HomeMy WebLinkAbout01-1728 FX
..'
,.
Spear & Hoffman, P,A,
BY: ROBERT W, CUSICK
AttorneyLD. No. 80193
1020 North Kings Highway, Suite 210
Cherry Hill, New Jersey 08034
(856) 755-1560, Attorney for Plaintiff, Loan No, : 9788704
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N,A"
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
P,O. BOX 840
BUFFALO, NY 14240-0840
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 01- /721>
~Ol.{'-r~
vs.
DOUGLAS S, GRAHAM AND MARGOT B.
GRAHAM
820 GOBIN ST.
CARLISLE, P A 17013
DEFENDANTS
COMPLAINT - CIVil.. ACTION
COMPLAINT 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 17103
(717) 249-3166
>, ,~-
. _ ',_ '~"_~"''". ""'O~_"~"_>e,m""~_~__=.,_,,, ~ . ~ " ,"_ ~_'
d.
'1;"
,
',,'
A VISa
Le han demandado a listed en la corte, Si usted quiere defenderse de estas demandas expuestas en las
paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion,
Hace falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma
escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona, Sea avisado que si usted no
se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0
notificacion. Ademas, la corte puede decidir a favor del demandato y requiere que usted cumpla con todas
las provisiones de esta demanda, U sted puede perder dinero 0 sus propiedades 0 otros dereches importantes
para usted,
LLEVE ESTADEMANDAA UN ABOGADO INMEDIATAMENTE, SINO TIENEABOGADO 0 SINO
TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR
TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA
A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL,
CUMBERLAND COUNTY BAR ASSOCIATION
2 LffiERTY AVENUE
CARLISLE, P A 171 03
(717) 249-3166
~ <, , '-h_,_,,_"" __.~ ". .,," ...,-"_"... c."".. "> ._"c, ~_''''<m" ''''''.' ~. -~~_, ,~.". __~... ~~'~~n." "~ " ,__~,. ,~
""; .'~
Spear & Hoffman, P,A,
BY: ROBERT W. CUSICK
Attorney LD. No. 80193
1020 North Kings Highway, Suite 210
Cherry Hill, New Jersey 08034
(856) 755-1560, Attorney for Plaintiff, Loan No, : 9788704
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
P.O, BOX 840
BUFFALO, NY 14240-0840
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO,
vs.
DOUGLAS S, GRAHAM AND MARGOT B.
GRAHAM
820 GOBIN ST,
CARLISLE, PA 17013
DEFENDANTS
COMPLAINT IN MORTGAGE FORECLOSURE
1. Plaintiff is MANUFACTURERS & TRADERS TRUST COMPANY, SUCCESSOR BY
MERGER WITH KEYSTONE FINANCIAL BANK, N,A" SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY, with its principal place of business located at P,O, BOX 840, BUFFALO, NY 14240-
0840.
2, The names and last !mown addresses of the Defendants are: DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM, 820 GOBIN ST., CARLISLE, PA 17013,
3. The interest of each individual Defendant is as mortgagor, real owner of the real property
subject to the mortgage described below, or both,
4, On or about DECEMBER 17, 1993, Mortgagors made, executed and delivered a Mortgage
upon the premises hereinafter described to FARMERS TRUST COMPANY, which Mortgage is recorded
as follows:
Office of the Recorder of Deeds in and for CUMBERLAND COUNTY
DATE OF MORTGAGE: DECEMBER 17, 1993
DATE RECORDED: DECEMBER 22, 1993
I
;.jr, __n,_' r~.~.""",.O.""''''~_'__,_ __ ,,~~.~~_~, <~.I Z".' , ~,_,,_,~,,",. ".__n.' ~ r~ __ .,
','
BOOK: 1187
PAGE: 467
The Mortgage is a matter of public record and is incorporated herein as provided by Pa, R.C,P, 1019(g), A
true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by
reference,
5, On or about DECEMBER 17,1993, in consideration of their indebtedness to FARMERS
TRUST COMPANY, DOUGLAS S, GRAHAM AND MARGOT B. GRAHAM made, executed and
delivered to FARMERS TRUST COMPANY their promis,sory Note in the original principal amount of
$102,000,00, The Note is referenced herein only insofar as the terms of the Note are incorporated into the
Mortgage,
6, Plaintiff is the legal holder ofthe Mortgage by virtue of being the legal successor in interest
to the original Mortgagee,
7, The Mortgage is secured by property located at 820 GOBIN ST" CARLISLE, PA 17013,
which is more particularly described in the legal description attached hereto as Exhibit "B" and incorporated
herein by reference,
8, The Mortgage is in default because the monthly installments of principal and interest and
other charges stated below, all as authorized by the Mortgage, due SEPTEMBER 22, 2000 and monthly
thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon
have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and
costs of collection including title search fees and reasonable attorney's fees,
9, The following amounts are due on the Mortgage:
Principal Balance
$90,771.03
8,98% interest from AUGUST 23, 2000 to
FEBRUARY 28, 2001 at $24,87 per day
$5,272.44
Accrued Late Charges
$42,26
Escrow Advances made by Plaintiff
$1,104,00
Estimated Attorney's Fees
$3.600,00
2
'1. Co, ~ >>__
""'-'"',,-,~,,<~ ,,-,..
'.
.:'
TOTAL AMOUNT DUE
$100.789,73
Interest continues to accrue at the per diem rate of$24,87 for every day after FEBRUARY 28,2001
that the debt remains unpaid,
10, The original principal balance of the Mortgage is in excess of $50,000,00 and therefore,
Notice of Intention to Foreclose Mortgage, pursuant to Act 6, 41 P,S, ~403 is not applicable,
II. Pursuant to the notice provisions of Act 91, 35 p.s, ~1680.403(c), notice was sent to
Defendants, dated DECEMBER 21,2000, Copies of the notices to the defendants are attached as Exhibit
"C". Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies
listed in the notice and/or have further failed to meet the time limitations specified in the notice and/or have
been denied assistance from the Pennsylvania Housing Finance Agency,
12, Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "D",
WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of
Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9,
together with interest, attorney's fees, and other expenses, costs and charges collectible under the Mortgage
and for the foreclosure and sale of the mortgaged premises,
DATE:~O\
SPEAR & HOFFMAN, PA
R~~
3
~~~, ,~, .
," ,'~"""",="_""~__~",,.,_.', .~, ,.o,,~,_
I.
.,
" ~-~, .
'.
VERIFICATION
The undersigned, ROBERT W, CUSICK, ESQUIRE, being duly sworn according to law,
deposes and says that he is the attorney for Plaintiff and that he is authorized to make this
Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint in
Mortgage Foreclosure are true and correct to the best of his knowledge, information and
belief.
THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE
MADE SUBJECT TO THE PENALTIES OF 18 PA.C,S. SECTION 4904 RELATING TO
UNSWORN FALSIFICATION TO AUTHORITIES,
DATE: 31\'2/(0 \
0f!b --
ROBERT W, CUSICK
Attorney for Plaintiff
" '- --~
, .~
';'5~j;'rv-:t~'t
~l
'.
]002~OJ--/O
R~CORDATION REQUESTED BY:
Fanners Trust Company
One West High Street
Carlisle, PA 17013
..' ~' :- .
:'-;- :-, .~i=:~.[~
........
., "C C., ~H ,-
fie :.Ji\!.iLJ, C.t [;EEOS
r 1,' \,.! ,r:" r= r I "\1 "< ('AU'
....,,'liJl... "_1"\11...- vI..: f'~TY-PA
WHEN RECORDED MAIL TO:
Farmers Trust Company
One West High Street
Carlisle, PA 17013
'930EC22 Pr1 2 1~
J
SEND TAX NOTICES TO:
Douglas S. Graham and Margot B, Graham
820 Gobin Drive
Carlisle, PA 17013
SPACE ABOVE THIS liNE IS FOR RECORDEA.HJ$E ONLY
'"
MORTGAGE
THIS MORTGAGE IS DATED DECEMBER 17, 1993, between Douglas S. Graham and Margot B. Graham, owner(i)
In fee simple, whose address is 820 Gobin Drive, Carlisle, PA 17013 (referred to below as "Grantor"); and
Farmers Trust Company, whose address is One West High Street, Carlisle, PA 17013 (referred to below IS
~~,
GRANT OF MORTGAGE, For valuable consideration, Grantor grants, bargains, selis, conveys, assigns, transfetS, releaSes, conftrms and
mortgages to lender all of Granto~s right, tllie, and Interest in and to the following described real property, togethar with all existing or subsequenUy
erec\ed or atiixed buildings, improvements and lIxlures; all streets, lanes, alleys, passages. and ways; all easements, rights of way, all liberties,
privlleges,tenements, hereditaments, and appurtenances thereunto belonging or anywise made appurtenant hereafter, and the reversions and
remainders with respect thereto; ail water, water rights, watercourses and ditch rights (Including slock In utilities with ditch or Irrigation rights); and all
other rights, royallles, and profits relating to the real property, Including wlthoulilmitation all minerats, oil, gas, geothermal and similar mallers,located
in Cumberland County, Commonwealth ofPennsyivania (the "Real Property"):
see Exhibit A township:
The Real Property or its address is commonly known as 820 Gobin Drive, Carlisle, PA 17013.
Grantor presently assigns to lende' all of Granto~s right, titie, and Interest In and to all leases of the Property and all Rents from the Property. In
addition, Grantor grants to lender a Un~orm Commercial Code security Interest In the Personal Property and Rents,
DEFINITIONS" The following words shall have the following meanings when used In this Mortgage, Terms not otherwise defined In thts Morlgage shaD
have the meanings aflrtbuted to such terms In the Uniform Commercial Code, All references to dollar amounts shall mean amounts In lawful money of
the Unlled States of America,
Granlor. The word "GrentO<" means Do\Iglas S. Graham and Mlll\lOI B. Graham, The Grentor is tha mortgagor under Ihis Mortgage,
Guarantor. The word "Guarantor" means and Includes without limitation, each and all of the guarantors, sureties, and accommodation parties In
connection with the Indebtedness,
Improvements, The word "Improvements" means and Includes without limitation all existing and MUle improvements, fixlures, buildings,
structures, mobile homes afflXBd on the Real Property, facilities, additions, replacements and other construction on the Real Property,
Indebtedness, The word "Indebtedness" means all principal and Interest payable under the Note and any amounts expended or advanced by
Lender to discharge obligations of Grantor or expenses Incurred by Lend", to enforce obligellons of Grantor under this Mortgage, together with
interest on such amounts as provided In this Mortgage.
lender. The word '1.ender" means Farmers Trust Company, Its successors and assigns, The Lender Is the mortgagee under this Mortgage,
Mortgage. The word "Mortgage" means Ihis Mortgage between Granlor and Lender, and includes withoullimltation all assignments and security
Interest provisions relating to the Personal Property and Rents,
Note. The word "Note" means the promissory note or credit agreement dated December 17, 1993, In the original principal amount of
$102,000.00 from Grantor to Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of, and
substitutions for the promissory note or agreement. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST RATE.
Personal Properly. The words "Personal Property" mean all equipment, lIxlures, and other articles of personal property now or hareafter owned
by Grantor, and now or hereafter alleched or affixed to the Real Property; together with all accessions; parts, and addlllons to, all replacements of,
and all subslilutlons for, any of such property; and together wllh all proceeds (including without limitation ali Insurance proceeds and refunds of
premiums) from any sale or other disposition of the Property,
Properly. The word "Property" means collectively the Real Property and the Personal Property,
Real Properly. The words "Real Property" mean the property, Interests and rights described above in the "Grant of Mortgage" section.
Related Documenta, The words "Related Documents" mean and include without limitation ail promissory notes, credit agreements, loan
agreements, guaranties, security agreements, mortgages, deeds of trust, and all other Instruments, agreements and documents, whether now or
hereafter existing, executed In connection with the Indebtedness,
Rents. The word "Rents" means all present and future rents, revenues, Income, issues, rO~I!les", profits, and other benefits derived from the
Property, trlt
THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND TIfis"'&u\&;INii:~ST ~k RENTS AND PERSONAL PROPERTY, IS
GIVEN TO SECURE (II PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS
MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS:
""-
........-.....",~
r I
"- .~,
MORTGAGE
(Continued)
Page 2
PAYMENT AND PERFORMANCE. Except as otherwise provided In this Mortgage, Grantor shall pay to Lender ell amounls secured by this Mortgage
as they become due, and shall strictiy perform ell of Granto~s Obligations under this Mortgage.
POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's possession and use of the Properly shall be governed by the
following prcvlslons:
Possession and Use, Until In default, Grantor may remain in possession and control of and oparate and manage the Properly and collee!the
Renls from the Property.
Duty to Malntaln. Grantor shall maIntain the Property in tenantable condllionand promptiy perform all repairs, repiacenlents, and maintenance
necessary to preserve lis value,
Hazardous Substances. The terms "hazardous waste," "hazardous substance," "disposal." "release," and 'hreatened release,. as used In this
Mortgage, shall have the same meanings as set forth In the Comprehensive Environmental Response, Compensation, and liability Act of 1980, as
amended, 42 U,S.C. Section 9801, et seq. ('CERCLA"), the Suparfund Amendmenls and ReauthoriZation Act of 1986, Pub, L No. 99-499
("SARA'), the Hazardous Materials Transportation Act, 49 U,S,C. Section 1801, at seq" the Resource Conservation and Recovery Act, 49 U.S,t:.
Section 6901, et seq., or other applicable state or Feclaral laws, rules, or regulations adopted pursuant to any of the foregoing. The terms
"hazardous waste" and "hazardous substance" shall e1so Include, wllhout limitation, petroleum and patroleum by-products or any fraction thereof
and asbestos, Grantor represenls and warranls to Lender that: (a) During the period of Granto~s ownership of the. Property, there has been no
use, generation, manufacture, storaga, treatment, disposal, release or threatened release of any hazardous waste or substance by any parson on,
under, or about the Properly; (b) Grantor has no knowledge of, or reason to believe that there has been, except as previously disclosed to and
acknowledged by Lender In writing, (I) any use, generation, manufaelure, storage, treatment, disposal, ralease, or threatened release of any
hazardous waste or substance by any prior owners or occupants of the Properly or Oil any actual or threatened litigation or claims of any kind by
any person relating to such matters; and (c) Except es previously disclosed to and acknOWledged by Lender In writing, (I) neither Grantor nor any
tenant, contractor, agent or other authorized user of the Property shall use, generate, manufacture, slore, treat, dispose of, or release any
hazardous waste or substance on, under, or about the Properly and (II) any such activity shall be conducted In compliance with all applicable
federal, stale, and locel laws, regulations and ordinances, Including without limitation those laws, regulations, end ordinances describad above,
Grantor authorizes Lender and ils agents to enter upon the Properly to make such Inspecllons and tests, at Granto~s expense, as Lender may
deem appropriate to determine compliance of the Property with this section of the Mortgage, Any Inspecllons or tests made by Lender shall be for
Lende~s purposes only and shall not be construed to create any responsibility or liability on the part of Lender to Grantor or to any other person,
The representations and warranties contained herein are based on Granto~s due diligence In invesllgatlng the Properly for hazardous waste,
Grantor hereby (a) releases and welves any future claims against Lender. for Indemnity or contribution In the event c;lrantor becomes liable for
cleanup or other costs under any such laws, and (b) agrees to Indemnify and hold harmless Lenclar against any and ell claims, losses, liabilities,
damages, penalties, and expenses which Lenclar may directly or Indireclly sustain or suffer resulting from a breach of this section of the Mortgage
or as a consequence of any use,generation, manufaelure, storage, disposal, release or threatened release occurring prior to Grantor's ownership
or interest In the Properly, whether or nottha same was or should heve been known to Granlor. The provisions of this section of the Mortgage,
Including the obligation to Indemnify, shall survive the payment of the Indebtedness and the satisfaction and raconveyance of the lien of this
Mortgage and shall not be affected by Lende~s acqUisition of any Interest in the Properly, whether by foreclosure or otharwlse.
Nuisance, Waste. Grentor shall not cause, conduct or permit any nuisance nor commit, permit, or suffer any stripping of or waste on or to the
Properly or any portion of the Properly, Wlthoutllmlling the generality of the foregoing, Grantor will not remove, or grant to any other perty the
right to remove, any timber, minerals (including 011 and gas), soli, gravel or rock products without the prior writlen consent of Lender.
Removal of Improvements. Grantor shall not demolish or remove any Improvements from the Real Properly wllhoutthe prior written consent of
Lender, As a condition to the removel of any Improvements, Lender may require Grantor to make arrangements satisfactory to Lender to replace
such Improvements with Improvements of at iel!St equal value,
Lender's Right to Enter, Lender and Its agents and representatives may enter upon the Real Properly at all reasonable times to ellend to
Lende~s interests and to Inspeclthe Properly for purposes of Granto~s compliance with the terms and conditions of Ihls Morigage.
Compliance with Governmental Requirements. Grantor shall promptly comply with all laws, ordinances, and regulations, now or hereafter in
effee!, of all governmental authorities applicable to the use or occupancy of the Properly, Grantor may conlest In goOd faith any such law,
ordinance, or regulation and withhold compliance during any proceeding, including appropriate appeals, so long as Grantor has notified Lender In
writing prior to doing SO and so long as, in Lende~s sole opinion, Lende~s Interests in the Property are not jeopardized, Lender may require
Grantor to post adequate security or a surety bond, reasonably satisfactory to Lender, to profact Lender's inlerest.
Duty 10 Protect, Grantor agrees neither to abandon nor leave unallended lhe Proparly, Grantor shall do all other acts, In addition to those acts
set forth above In this section, which from the character and use of the Properly are reasonably necessary to profact and preserva the Properly.
DUE ON SALE - CONSENT BY LENDER. Lender may, at Its opllon, declare immediately due and payable ell sums secured by this Mortgage upon tha
sale or transfer, without the Lende~s prior wrillen consent, of all or any pari of the Real Property, or any Interest in tha Reel PropSrty. A "sale or
transfer" means the conveyance of Real Properly or any right, title or Interest therein; whether legal, benellclal or equitable; whether voluntary or
inVOluntary; whether by outright sale, deed, installment sale contract, land contract, contract for deed, leasehold interest wllha term greater than lhrae
(3) years, lease-option contrael, or by sele, assignment, or transfer of any beneficial Interest in or to any land Irust holding, title to the Real Property, or
by any other melhod of conveyance of Real Properly interest, If any Grantor is a corporation, partnership or limited liability company, lranster also
includes any change In ownership of more than twenty-five percent (25%) of the voting slock, partnership interests or limited liability compeny Interesls,
as the case may be, of Granlor, However, this option shall not be exercised by Lender If such exercise is prohibited by feclarallaw or by Pennsylvania
law, . ..., ~ood187 PAGE 488
TAXES AND LIENS, The follOWing prOVISIOns relating to the taxes and liens on the Properly are a part of this Mortgage.
Payment. Gran,tor shali pay when du~ (and In ali events prior 10 delinquency) all taxes, payroll taxes, special taxes, assessments, water charges
and sewer seMce charges leVied against or on account of the Properly, and shall pay when due aU claims for work done on or for services
rendered or materiel furnished to the Properly, Grantor shall maintain the Properly free of all liens having priority over or equal to lhe Interest of
Lender under this Mortgage, except for the lien of taxes and assessments not due, and except as otherwise provided In the following paragraph,
Right To Contest, Grantor may withhold Payment of any tax, assessment, or claim In connection with a good faith dispute over the obligation to
pay, so long as Lende~s Interest In the Properly Is nol jeopardized. If a lien artses or Is filed as a result of nonpayment, Granlor shall wllhln filleen
(15) days after the lien arises or, if a lien Is filed, within fifteen (15) days after Grantor has notice of the filing, secure the discharge of \he lien or 1I
requested by Lender, deposit with Lender cash or a sufficient corporate surety bond or other security sallsfactory to Lender in an amount sufficient
to discharge the lien piUS any costs and allorneys' fees or other charges that could accrue as a result of a foreclosure or sale. under the lien, In
any contest, Grantor shall defend Uself and I./Jnder and shall satisfy any adverse judgment before enforcement against the Properly. Grantor shall
name Lender as an addllional obligee under any surety bond furnished in the conlest proceedings,
EVidence of Payment. Grantor shall upon demand furnish to Lenclar satisfactory evidence of payment of the taxes or assessments and shall
authorize the appropriate governmental official to deliver 10 Lender at any time a wrillen slatement of the taxes and assessments egalnst the
"-,."",
, ,
" ~-
"'... '~"'~1~' ~
,,.,,,.,.,,, , _0
,',
MORTGAGE
(Continued)
Page 3
~
Property,
Nollce 01 Construcllon. Grantor shall nolily lender alleasl fifteen (15) days betoJ'll any work Is commenced, any servlces are furnished, or a"i
malerlals are supplied 10 the Properly, ff any mechanic's lien, materialmen's lien, or other lien could be asserted on account oIlha work, services,
or materials and the cost exceeds $5,000.00, GJ'llnlor will upon J'llquest of Lender lumlsh to Lendar advance assurances sallsfaclory 10 lender
that Grantor can and wUl pay Ihe cost of such improvements,
PROPERTY DAMAGE INSURANCE. The foliowing provisions relating to insuring the Property aJ'll a part of this Mortgage.
I .
Malntelllmce 01 Insurance. Grantor shali procuJ'll and maintain policies of fire Insurance with standard extended coverage endorsements on a
J'llplacement basis for Ihe fuli insurable value covering all Improvements on Ihe Real Properly In an amount sufficient to avoid application of any
coinsurance clause, and with a standard mortgagee clause In favor of lender, Policies shall be written by such Insurance companies and In such
form as may be reasonably acceptable to Lender, Grantor shall deliver to Lendar certificates of coverege from each Insurer containing a
stipulation that coverage will not be cancelled or climlnished without a minimum of Ien (10) days' prior written notice 10 Lender and nol contalnlng
any disclaimer of Ihe Insurer's liabUlty for failure to give such noUce. Should Ihe Real Proparty at any Ume become localedln an area designated
by tha Director of the Fedaral Emergency Management Agency as a special ficod hazard area, Grantor agrees 10 obtain and maintain Fec!enll
Flood I~surance, to the extent such Insurance Is J'llqulJ'lld by Lender and Is or becomes avanable, for the lerm of the loan and for lhe lull unpaid
principel balance of the loan, or Ihe maximum limit of coverage that Is available, whichever is less.
Appllcsllon 01 Proceeds, Grantor shall promptiy notify Lender of any loss or damage to the Property If the esUmated cost 01 repair or
replecement exceeds $500.00. lender may make proof of loss if Grantor falls to do so w!thln fifteen (15) days 01 the casualty. W~har or nol
lender's security is Impaired, Lender may, at Its alecUon, apply the proceeds to Ihe reduction 01 the Indebtedness, payment 01 any IlSn affecting
the Property, or the restoration and repair of tha Property. If lender elects to apply tha proceeds to restoraUon and repair, Grantor shall repair or
replace the damaged or deslroyed Improvements In a manner sallsfactory 10 lender, Lencler shall, upon satisfactory proof 01 such axpendllura,
payor reimburse Granlor from the proceeds for tha reasonable cost of repair or restoraUon If Grantor Is not In dafault heJ'llunder. Any proceeds
which have not been disbursed wilhln 180 days after their receipt and which lender has not committed to the repair or restoraUon of Ihe Properly
shell be used first to pay any amount owing 10 Lender under this Mortgage, then to prepay accrued Interest, and. the J'llmalnder, ff any, shall be
appUed to the principal balance of the Indebtednass. It Lender holds any proceeds after payment In full of the Indebtedne.., such procaeds shall
be paid to Grantor,
Unexpired Insurance at Sale. Any unexpired Insurance shall inuJ'll to the benefit of, and pa.. 10,Ihe purchaser of the Properly covered by this
Mortgage at any trustee's sale or other sale held under the provisions ollhls Mortgage, or at eny foreclosure sale of such Property.
EXPENDITURES BY LENDER, If Grantor fails 10 comply with any provision of this Mortgage, or If any acUon or proceeding is commenced that would
materially allact Lender's tnterests in the Property, Lender on Granlor's behalf may, bul shan nol be required to, take any action that lendar cleems
appropriate, Any amount that lender expends In so doing wUl bear Interest at the rete Charged under Ihe Note from tha date Incurred or paid by
Lender to the dale of repayment by Grantor. All such expenses, at Lender's option, wUl (a) be payable on damand, (b) be added to ttlll balance of the
Note and be apportioned among and be payable with any Installment paymants to become due during either 0) tha term of any applicable insurance
policy or (ii) the remaining term of the Note, or (c) belreated as a balloon payment which will be due and payable et the Nole's maturity. This
Mortgage also will secure payment of these amounts. The rights provided for in this paragreph shall be in addition to any other rights or any remedies
to which Lender may be enUUed on account of the default. Any such action by Lender shall not be construed as curing the default so as to bar lender
from any remedy that II otherwise would have had, .
WARRANTY; DEFENSE OF TITLE, The following provisions reialing to o",nershlp of the Property are a part of this Mortgage,
Tille, Orantor werrants that: (e) Grantor holds good and marketabie title of record to the Property In fee simple, free and clear of all liens and
encumbrances other than those set forth in the Real Property description or In any tltie Insurance policy, UtIe report, or finaltllle opinion Issued In
favor of, and accepted bY,lender In connection with this Mortgage, and (b) Grantor has the full rlght,power, and authority to execute and denver
this Mortgage to lendar,
Delense 01 Title. SUbject to the exception In the paragraph above, Grantor warrants and will forever defend the tme to the Property against the
lawful claims of all persons, In the event any action or proceeding Is commenced that questions Grantor's UUe or the interest 01 Lendar under this
Mortgage, Grantor shall defend the action at Grantor's expense. Grantor may be the nominal party In such proceeding, but le~der shall be
entitled to participate in the proceeding and to be J'llpresented In the proceeding by counsel of lender's own chOlca, and Grantor will deliver, or
cause to be delivered, to Lender such Insfruments as Lender may request from time to time to permit such participation,
Compll,nce Wtlh Laws. Grantor warranls that tha Property and Grantor's use of tha Property complies with all existing applicable laws,
ordinanoes, and regulations of governmental authorities.
CONDEMNATION. The loll owing provisions relating to condemnation of the Property are a part of this Mortgage,
Application 01 Net Proceeds. If all or any part of tha Property Is condemned by eminent domain proceedings or by any proceeding or purchase
in lieu of condemnation, lender may at Its election require that all or any portion of the net proceeds of tha award be applied to tha Indebtedness
or the repair or restoration of the Properly, The net proceeds of the award shall mean the award after payment of all actual costs, expanses, and
allorney$' fees Incurred by Lender In connecllon wllh the condemnation.
Proceedings, If any proceeding in condemnation Is filed, Grantor shall promptly ~otity Lender in wrlUng, and Granlor shatl promptly lake such
steps as may ~~ necessary to defend the action and obtain the award. Grantor may be the nominal party In such proceeding, but Lender shall be
entitled to participate In the proceeding and to beJ'llpresented In the proceeding by counsel of its own choice, and Grantor will cIeIlver or cause to
be dellVtlred to Lender such Instruments es may be requested by II from time to time to permit such participation,
IMPOSITION Of TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following provisions relaUng to governmental taxes, fees
and charges are a part of this Mortgage:
Current Taxes, F~es and Charges. Upon request by lender, Grantor shall execute such documents In addition to this Mortgage and lake
whatever other act.on Is requested by Lender tc parfact and continue Lender's lien on the Real Property, Grantor shatlreJmburse lendar for all
taxes, as described below, together wilh all expanses Incurred In recording, perfecting or continuing this Mortgage, Including without limitation all
taxes, fees, documentary stamps, and other charges for recorcling or registering this Mortgage,
Taxes, The following shell constitute taxes to which this section applies: (a) a specific tax upon this type of Mcrtgage or upon all or any part of
the Indelltedne.. secured by this Mortgage; (b) a specific tax on Grantor which Grantor is authorized or required to deduct from payments on the
Indebtedness secured by this type of Mortgage; (c) a tax on this type 01 Mortgage chargeable against the Lender or the holder of the Note' and
(d) a specific tax on all or any portion of the Indebtedness or on peyments of principal and Interest made by Grantor. '
Subsequent Taxes. If any tax to which this section applies is enacled subsequent to the date of this Mortgage, this event shall have the same
ellect as an Event of Default (as defined below), and lender may exercise any or all of Its available J'llmedles for an Event of Default as provided
beiow u~iess Grantor either (a) pays tha tax before it becomes dalinquent, or (b) contests the tax as provided above in the Taxes and LIens
;....::-;..i~~ "'H'" ...c.~O
'-),"-"""," ,- ,"~'~--~'"
~, "I. i
r.-,.',
of" '"
""""""-r-r" I~
;'.
MORTGAGE
(Continued)
Page 4
-
section and deposits with Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender,
SECURITY AGREEMENT; FINANCING STATEMENTS. The following provisions relating to this Mortgage as a security agreement are a part of this
Mortgage,
Security Agreement. This Instrument shall constitute a security agreement to the extent any of the Property constitutes fiXtures or other, peraonal
property, and Lender shall have all of the rights of e secured perty under the Uniform Commercial Code as amended from time to time.
Security Interest. Upon request by Lender, Grantor shall execute financing statements and take whalever other action Is requested by Lender to
perfect and continue Lender's securlty Interest In the Rents and Personal Property, In addition 10 recording this Mortgage In Ihe real property
records, Lender may, at any time and without further authorization from Grentor, fila executed counterparts, coplasnor reproductions of this
Mortgage as a financing statement, Grantor shall reimburse Lender for all expenses Incurred in perfecting or continuing Ihis security interest,
Upon default, Grantor shall assemble Ihe Peraonal Property in a manner and at a place reasonably convenient 10 Grantor and Lender and make It
available to Lender within three (3) days after recelpt of writlen demand from Lender, .
Addresses. The mailing addresses of Grantor (debtor) and Lender (secured party), from which Information concerning the security interest
granted by this Mortgage may be obtained (each as reqUired by the Uniform Commercial Code), are as stated on the firal page of this Mortgage,
FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following provIsIOns relating to further assurances and a1torney-ln-facI are a part oflhls
Morigage,
Further ASSurances. At any lime, and from time to time, upon request of Lender, Grantor will make, execute and deliver, or will cause 10 be
made, executed or delivered, to Lender or to Lender's designee, and when requested by Lender, cause to be filed, ~orded, reliJed, or
rerecorded, as the case may be, at such times and in such offices and piaces as Lender may deem 'appropriate, any and aD such mortgages,
deeds of trust, security deeds, security agreements, financing statements, continuation statemenls, Inslruments of further assurance, certificates,
and other documents as may, In the sole opinion of Lender, be necessary or desirable in order to effectuate, complete, perfecl, continue, or
preserve (a) the obligations of Grantor under the Note, this Mortgage, and the Related Documents, and (b) the liens and securlty Interests
created by this Mortgage as firat and prior liens on the Property, whether now owned or hereafter acquired by Grantor, Unless prohibited by law
or agreed to the contrary by Lender In writing, Grantor shall reimburse Lender for all costs and expenses incurred in connection with the matters
referred to in this peragraph,
Allorney-In-Facl. If Grantor falls to do any of the things referred to In the preceding paragraph, Lender may do so for and In Ihe name of
Grantor and at Grantor's expense. For such purposes, Grantor hereby Irrevocably appoints Lender as Grantor's allomey-In-olacllor the purpose
of making, executing, delivering, fdlng, recording, and doing all other things as may be necessary or desirable, in Lender's sole opinion, to
accomplish the matiers referred to in the preceding paragraph,
FULL PERFORMANCE. If Grantor pays all the Indebtedness when due, and otherwise performs all the obligations Imposed upon Grantor under this
Morigage, Lender shall execute and deliver to Grantor a suitable satisfacticn of this Mortgage and suitable statements of termination of any financing
statement on file evidencing Lender's security Interest In the Renls and the Personal Property, Grantor will pay, If permitled by applicable law, any
reasonabie termination fee as determined by Lender from time to time,
DEFAUl. T, Each of the following, at the option of Lender, shaD constitute an event of default ("Event of Defaulr) under this Mortgage:
Default on Indebledness, Failure of Grantor to make any payment when due on the Indebtedness,
Default on Olher Paymenls. Failure of Grantor within the time required by thts Mortgage to make any paymant for taxes or Insurance, or any
other payment necessary to prevent tiling of or to effect discherge of any lien,
Compliance Defaull, Failure to comply with any other term, obligation, covenant or condition contained In this Mortgage, the Note or in any of the
Related Documents,
Breaches, Any warranty, representation or statement made or furnished to Lender by or on behalf of Grantor under this Mortgage, the Note or the
Related Documents Is, or at Ihe time made or furnished was, false In any material respect,
Insolvency. The insolvency of Grantor, appointment of a receiver for any part of Grantor's property, any assignment for the benefit of creditolS,
the commencement of any proceeding under any bankruptcy or insolvency lews by or against Grantor, or the, dissolution or termination of
Grantor's exlstenca as a going business (if Grantor Is a business), Except to the extent prohibited by federal law or PennSylvania law, Ihe death of
Grantor (If Grantor Is an indllfidual) also shall constltule an Event of Default under this Mortgage,
Foreclosure, Forfellure, elc. Commencement of forectosure or forfeiture proceedings, whether by jUdicial proceeding, self-halPi repossession or
any other method, by any creditor of Grantor or by any governmental agency against any of the Property, However, thissubsSlitiQn shall not apply
In the event of a good faith dispute by Grantor as to the validity or reasonableness Of the claim, which Is the besis of the foreclOsLre or forefeiture
proceeding, provided that Grantor gives Lender wrltlen nollce of such claim and furnishes reserves or a surety bond for the olalm satisfactory to
Lender,
Breach Of Olher Agreement. Any breach by Grantor under the terms of any other agreement between Grantor and Lender thaI is not remedied
within any grace period provided therein, Including without limitation any agreement concerning any indebtedness or other obligation of Grantor 10
Lender, whether existing now or later,
Events Affecting Guarantor. Any of the preceding events occura with respect to any Guarantor of any of the Indebtedness' or such Guarantor
dies or becomes incompetent.
RIGHTS AND REMEOIES ON DEFAUl. T. Upon the occurrence of any Event of Default and at any time thereafter, Lender, at Its option, may exercise
anyone or more of the following rights and remedies, In addition to any othe, rights or remedies provided by law:, ,
Accelerate Indebledness. Subject to applicable law, Lender shall have the right at its option without notica to Grantor to declare the entire
Indebtedness immediately due and payable,
UCC Remedies. With respect to all or any part of the Personal Property, Lender shall have all the rights ana ramedias of a secUred party' under
the Uniform Commercial Code,
eCollecf Rents. Lender shall have the right, without notice to Grantor, to take possession of the Property and collect the Renls Inqluding amounts
past due ~nd unpaid, and apply the net proceeds, over and above Lender's costs, against the Indebtedness. In turtheranoe~, t~i<or;ght, Lender
may require any tenant or other user of the Property to make payments of rent or use fees directly to Lender. If the Rents are ~18C~lbY Lender
then Grantor irrevocably designates Lender as Grantor's allorney-in-faclto endorse instrumants received In payment thereOf '!int!ie name 01
Gr~ntor and t~ nagotlate the same and collect the proceeds. Payments by tenants or other users to Lender in response 10 Lendeifs d~marid shall
satISfy the obilgations for whIch the paymenls are made, whelher or not any proper grounds for the demand existed. Lend9rl1jay ialcercise lis
rights under this subparagraph either In person, by agent, or through a receiver, BOOK 118'7 PAG! ,.. 470-
Appolnf Receiver. Lender shall have the right to have a receiver appointed to take possession of all or any part of Ihe Property, with the power to
"c,
_.~.- ~. . "~", "~,,,.,..."~, "".,-"."
"",n, " ,. f'!!'Im!~
_ _,...._.._IIIilII_.
~-,-"..
MORTGAGE
(Continued)
Page 5
~
protect and preserve lh. Property, to operate the Property preceding foreclosure or sale, and to colleclthe Rents from the Property and epply the
proceeds, over and above the cost of the receivership, against the Indebtedness, The receiver may serve withoul bond n permitted by law.
Lende~s right 10 the appointment of a receiver shall exist whether or nol the apparent value of the Property exceeds the Indebtedness by a
subslantial amount. Employment by Lender shall nol disqualify a pe(Son froin serving as a receiver.
Judicial Foreclosure. Lender may obtaln a judictal decree foreclosing Granto~s interest In all or any part of lhe Property.
Possession of the Properly, For the purpose Of procuring possession of the Property, Granlor hereby authorizes and empow9lll eny allorney of
any court of record in the Commonwealth of Pennsylvania or elsewhere, as ellorney for Lender end ell persons claiming under or through Lender,
10 sign an agreement forenlerlng In any competenl court an amicable aclion in ejectment for possession of the Property and to appear for and
oonfess Judgment against Grantor, and against all persons claiming under or through Grantor, for the recovery by Lender of possession of the
Property, withoul any slay of execution, for Which this Mortgage, or a copy of this Mortgage verified by affldevit, shall be a sufficient warrant and
thereupon a writ of possession may be Issued forthwith, without any prior writ or proceeding whatsoever,
Nonjudicial Sale. If permitted by applicable law, Lender may foreclose Granto~s interest in all or In any part of the Personal Property or the R6aI
Property by nonjudicial sale.
Deficiency Judgment. Lender inay oblain a judgment for any deficiency remaining In the Indebtedness due to Lender after application of all
amounts received from the exercise oflhe rlghlS provided In this sacIIon,
Tenancy alSufferance. If Grantor remains In possession of the Property after the Property Is sold as provided above or Lender otherwise
becomes entilied to possession of the Property upon default of Granlor, Grentor shall become a tenant at sufference of Lender or the purchaser of
the Property and shall, at Lende~s oplion, either (a) peya reasonable renlal for the use of the Property, or (b) vacate the Property Immediately
upon the demand of Lender,
Other Remedies. Lender shall have all olher rlghlS and remedies provided in this Morlgage or the Note or avaiiable at law or in eqUity.
Sale of the Properly. To the extent permitted by applicable law, Grantor hereby waives any and all right to have the property marshelled. In
exercising its rlghlS and remedies, Lender shall be free to sell all or any pert of the Property together or separately, in one sale or by separate
sales. Lender shall be entllied to bid at any public sale on all or any portion of the Property,
Notice of Sale. Lender shall give Grantor reasonable notice of the lime and place of any public sale of the Personal Property or of the tima alter
which any private sale or other intended disposlllon of the Personal Property is to be made. Unless otherwise required by applicable law,
reasonable notice shall mean nolice given at ieast ten (10) days before the lime of the sale or disposition,
WaIVer; Election of Remedies, A waiver by any party of a breach of a provision of this Mortgage shell not conslilutea waiver of or prejudice the
party's rlghlS otherwise to demand strict compliance with thet provision or any other provision, Election by Lender to pUr$ue any remedy shall not
exclude pursuit of any other remedy, and an elecllon to make expenditures or lake action 10 pertorm an obligation of Grantor Under this Mortgage
after failure of Grantor to pertorm shall not affacl Lender's rtghtto daclare a default and exercise lis remedieS under this Mortgage,
Atlomeys' Fees; Expenses, If Lender institutes any suit or aclion to enforce any of the terms of this Mortgage, Lender shalt be entitled to recover
such sum as the court may adjudge reasonable as allorneys' fees, at Irial and on any appeal, Whelher or not any <:qurt action is Involved, all.
reasonable expenses Incurred by Lender thet in Lende~s opinion are necessary at any time for the prolaclion of its interest or the enforcement of
its rlghlS shall become a part of the Indebtedness payable on demand and shall bear inlerest from the date.of expenditure until repaid at the Note
rate, Expenses covered by this peragraph Include, withoutllmilation, however subject to any timllS under appticable law, Lender's allorneys' fees
and Lender's legal expenses whether or not there Is a lawsull, Including allorneys' fees for bankruptcy proceedings (Including efforts to modify or
vacate any automatic slay or injunclion), appeals and any anticipated post-Judgment collection services, the cost of searching records, obtelning
tille reports (including foreclosure reports), surveyors' reports, and appraisal fees, and tllle Insurance, to the extent perrnllled by appticable law,
Grantor also will pay any court coslS, In addition to all other sums provided by law,
NOTI.CES TO GRANTOR AND OTHER PARTIES. Unless otherwise provided by appijcablelaw, any nmice under this Mortgage shall be in writing and
shall be effective when actually delivered, or when. deposited with a nationally recognized overnight courier, or, if mailed, shall be deemed effecllve
when deposited In the United Slates mail first class, raglslered mall, poslage prepaid, directed to the addresses shown near the beginning of lhls
MOrlgage, Any party may change lIS address for nollces under this Mortgage by giving formal written nollce to the other parties, specifying that the
purpose of the notice Is to change the party's address. All copies of notices of foreclosure from the holder of any lien which has priority over lhls
MOrlgage shall be sent to Lende~s address, as shown near the beginning of this Mortgage, For nolice purposes, GrantOr agrees to keep Lender
informed at all limes of Granlo~s current address,
MISCB.LANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Mortgage:
Amendments. ThIs Mortgage, together with any Related Documents, consUMes the entire underslanding and agreemenl 01 the pertieS as to the
matlers set forth In this Mortgage, No alteration of or amendment to this Mortgage shall be effeclive unless given In writing and signed by the
party or parties sought to be charged or bound by the alleration or amendment.
Applicable Law. This Mortgage has baen delivered 10 Lender and eccepted by Lender In the Commonwealth of Pennsylvania, ThIS
Mortgage shall be governed by end construed In accordance wllh Ihe laws of the Commonwealth of Pennsylvania. .
Caption Headings. Caption headings in this Mortgage are for convenience purposes only and are not to be used to Interprel or define the
prOvisions of this Mortgage,
Merger. There shall be no merger of lhe interes! or estale created by Ihis Mortgage with any other interest or estate In tha Properly at any time
held by or lor the benefil of Lender In any capacity, without the written consent of Lender,
Multiple Parties. All obligations of Grantor under this Mortgage shall be jolnl and several, and all referencas to Grantor shall mean each and
every Granlor. This means that each of the persons signing below Is responsible for all obligations In this Mortgage,
Severability. If a court of competent jurlsdlcllon finds any provision of this Mortgage to be invalid or unanforceab.1e as to any person or
clrcumslance, ~uch finding shall not render that provision Invalid or ~nenforceable as to any other persons or circumstances, If ~ble, any such
offendi~g prOVision shall be deemed to be modified to be wllhln the IImlls of enforceability or validity; however, If the offending provision cannot be
so modified, It shall be stricken and all other provisions of this Mortgage in all other respeclS shall remain valid and enforce!lble,
Successors and Assigns, Subjeclto thellmllallons slated In Ihis Mo~gage on Iransfer of G.ranlo~s Inlarest, this Mortgag~ shall be binding upon
and inure to the benefit of Ihe parties, thelr heirs, personal represenlallves, successors and asslgns, If ownership of the P~operty becomes vested
In a person other than Grantor, Lender, without notice to Granlor, may deal with Granlor's successors with reference to this Mortgage and the
Indebtedness by way of forbearanca or extension without releasing Grantor from the obligations of this Mortgage or liability under the
Indebtedness,
Time ts of the Essence. Time Is of the essence in the performance of this Mortgage,
BoiiK1187 PAGE 471.
':'J
" "
.
"
" .
MORTGAGE
(ConUnued)
P811e6
"
Waivers and Consenls. Lender shall not be deemed to have waived any rtghts under this Mortgage (or under the Related Documents) unless
such waiver Is in writing and signed by Lender, No delay or omission on the part of Lender in exercisIng any right shan operale as a waiver of
such rtght or any other rtght. A waiver by any party of a provisIon of thIs Mortgage shall not constitute a waiver of or prejudice the party's rlghl
ofherwlse to demand strict compliance with that provision or any other provision. No prior waiver by Lender, nor any course of dealing between
Lender and Grantor, shall conslitute a waiver of any of Lender's rlghts or any of Grantor's obligations as to any future transactions. Whenever
consent by Lender Is requIred In this Morl~age. the granting of such consent by Lender In any instance shalt not constitute continuing consent to
subsequent Instances where such consent Is required.
EXHIBIT A. An exhibit, titled "Exhibit A.' Is attaohed 10 this Mortgage and by this reference is mede a part of this Mortgage Juslas If all the provlslons,
lerms and conditions of the Exhibit had been fully set forth In lhls Mortgage.
EACH GRANTOR ACKNOWLEDGES HAVING READ ALl THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS
TERMS.
G~.~~mw.wm..
X..... ,. Z:. ....~(:..... ..:".:, ;:':~;...::i",".:,<1;r:W..ii,Tf:::'::::::::::':~:'.:':::;':::.......::.;.-;-.-,.:.. )~~~g*'jg't~~
as S. aham
~~
.J;lji~ ./.. ..mm"m
X ,,,':".~o.' .:..,'. }It.:.. ::j., .-li]}" ~}':,;;:'-: :-:' ,:;::';-:::: :..~:.:.......;;.:.,:.~:,~;'i.@i$".i~~t.t~~~il~fiit
ar. at raharn
x
x
CERTIFICATE OF RESIDENCE
J hereby certIfy, that the precise address of the mortgagee. Farmers Trust Company, herein Is as follows:
One West High street, Carlisle, PA 17013
INDIVIDUAL AC
ferMor ee
OWLEDGMENT
STATE OF
Pennsylvania,
COUNTY OF
Cumberland
-L.
)SS
I
On this day before me, the undersigned Notary Public. personally appeared Douglas S, Graham and Margol B, Graham. to me known to be the
Individuals described In and who executed Ihe Mortgage, and acknowledged lhet they sIgned the Mortgege as their free and voluntary act and deed,
for the uses and purposes therein mentioned.
:V~~"IVl.hl~
Notary Public In and for the Slate of
day Of
December
,19 93
ResIdIng at
~,,~~~..~.:...pat. & T.M. Off.. Ver. 3.Hld(c)tgg3CR
,,,," \'" "'''''''''''
. '-~, r. ~.. O. ~ ....,.,.
-.s. "'- \J ......."""!'*....~ ',( -. -:;.
:""'-~..~"n.~ "'.';'/-'8""
,.....f~,~. 'fed~."",. '" _
.o......./:1:.'T,:$~M'&~~y ~~~~'
."l:'.....~~'~.,..;;..
"_. ; .,.,~' "'I. ~,tZ;:" .
,..""~ .7.", ,..... '.. '-""
.,., "., .jf~ '~ii""~
...... ~~~'w '?i'.....-':4-""'.
" .0' .....~R\.<. ;...#?;~...;~.f,...'
'. '';}'" ~"":WC.; "'"".'if','
'" .".1.b...~ __"I>' .t; "'.',
~~,l"~:f"" ".
'-. ~~,~~~~;t~\\\'\'"
s
servifRTI'IICIAID\ll!llWl/lNl1l; \'l6~llC'AMO .LN R22.0VLI
Hampden Twp., Cumbeliand Counly. Pa.
My Commission expires August 25, 1997
roo~11~7 PAGE .172
.1 '.
,"
"
EXHIBIT A
Borrower: Douglas S. Graham
Margot B. Graham
820 Gobin Drive
Carlisle, PA 17013
Lender: Farmers Trust Company
MaIn Office
One West HIgh Street
Carlisle, PA 17013
thIs Exhlbll A Is allached to and by thIs reference Is made a part of each Deed or Trust or Mortgage, dated December 17, 1993, and exacuted
In connecllon wllh a loan or other flnanclal accomrnodallons between Fanners Trust Company and Douglas S, Graham and M...got B. Graham.
ALL that certain tract of land with the improvements thereon erected, situate
in the Fifth Ward of the Borough of Carlisle, Cumberland County, Pennsylvania, more
particularly bounded and described pursuant as follows:
BEGINNING at a point on the Northern lin,e.of 9cil:\',n Street, which point is
westwardly 315.79 f~e.1..frQD:+,~ ~~m,.boundary: !iT1~of1.an(;t9j H.,,~i1!0}1 Deyelopment;
thence along the Northern line of Gobin Street by a curve to the left, having a radius of
403.62 feet in the center line ofSa'id str~et, WestWiiH:lly 80fe'e(t&' a point tiri' lineofland
now or formerly of Reisinger Brothers, Inc,; thence by the latter land, North 20 degrees 47
minutes West, 122.65 (erroneously referred in Deed as 122.56) feet to a point on line of
land of Carlisle Fair Association; thence by the latter land, North 70 degrees 41 minutes
East, 87.43 feet to line of land now or formerly of Robert E. Wall and wife; thence by said
Wall land, South 17 degrees 16 minutes 14 seconds East, 127.43 feet to the Place of
BEGINNING.
BEING Lot No. 33 and part of Lot No. 34, Block ''F'', of the, Plan of Lots of
Hamilton Development, as recorded in the Office of the Recorder of Deeds in and for
Cumberland County, in Plan Book 12, Page 60 (Lot No. 32 of unrecorded Revised Block
"F" of March 4, 1964, E.R.P.)
BEING the same property which John A :Kafagiarn).isand Analia S.
Karagiannis, husband and wife, by their Deed dated December"7,,.l~$7, and recorded in the
Office aforesaid, in Deed Book "B", Volume 33, Page IMo,rgranted and conveyed unto
Douglas S. Graham and Margot B. Graham, husband an{h"if~:,b'1 _ ,
. to tI:>iti;.. h.. <I .
"--I",\ujo ..
"'-~____"'h ."~..
LENDER:
Farmersl~i /\
By: 1 ! / \ /"-.. BOOt'. 1 HO PACE :173
Autho Off) r v"'- _
LASER PRO, Reg. U.s. Pal. I. T.M. Off.. Ver. 3.1 ed (C) 1 &93 CFI ProServlcea.loc. AJlrlghta.ruerved. [PA-GI5O GRAHAMOS.LN A22.0VLI
- ,
1'l
~
~
6
~
"'"
o.
"6
." m
mill l-I {>.
dl ~ 1-1 j:J 0 QJ k m
..r:: 0 (l) 0 0'1-1 +J ;j'1:l
-!-lUlEOQ) IDO
J%l 0 m.-l>-<~
50 I"[j.r:l!::l PI 0
o 'Cl 01 11l.JJ 0 e (')
k ~./..l 0-.-1 0 .~
440kmZ.wo>,
E-illll:l III 0>-
~ ~_~_~_~ 1tI ffi ~
s:l . 0 oo..l:lrl tntn-rt
ro S QJ Q),J.I p,!:l!d:l..c:l
-\..l ltl E'd PI-..-l -l-l
Oll--lQ IJ.lrd4-lQJ
-.-I tnlIl Q) 0 J.I t1 l=l
00 0 ..r:: 0)-.-1 C-r!
[Q 1-1 'tl+J'tl I> E! 1I1..c:l
fliP< fl'l-l ~~.g.;:l.~
r-l1llG.lO tllr:..~
lU U.--l QJ III
-.-{!:lp,m.CllVs:ltn"tl
[) III e l=l JJ-rol-.-! I::l dI
d.j..l 0 0 0 -.-I.J<:
mll'Ju ./-lS::~Ul1-l
dO :s.~.~ mil m ~g,g m
)4-1 Dl -.-I'd rtI :I:+J
_tiij" !<l;11l):Q) +J Ul
~ l-I rl JJ tnm m 0
Cd It 0 Wori I:l 11.1 I=l-ri-..-l P,
l=I.li\i-l ~4-I~~~ m ~ l-I trJ
o .~~ F'8 tl OJ ~ lIS ~ o.~
c..~Pd"lltl 0 III J::r-l >.'tl.u
~.'t;.P..O ...-l-.-l;:lri to QJ Ql
o inl~&~g8'~s:;:l~
,., ~ 0 >,-rl P, Q) Q) 'I-l
'-" ~.w u mit: 0I-iJ >,J1.J Q}
a.>k.jJ~ ~slll;a1!Q)1:~
~.f'-..r::lJl-iJn:ltnQl.j.J..r:: 4-l
Otnl-l;:ll-lJ::lk .uE-i1
~.'.-IQlOb1'.-lO'd mo
~ 1-l E! Orl J:l 01:1+,)
111 IJ:1.-lHID14n:1+J:"f:1
III r-lP.tDlQ} III
O ~..r:: m-rl J:l e e t:1 1=1 0
-l-l ~ lJ.4 III ;:l ;:l nl 0 0 ftl
~l:; k UOOJH-ri-,-l'j.j
~ i:lQJQJ+Js:lUl:ltJl.j.JJJ
s>drnllS DOlllilll-l
~ 8.m ~ g ~ _~ 0 ~.~ _~ g
.. ~;:l ~ ;:l-~ll~QJ'ti.7t>'
~ 0 0 0 tQ 1-1 l=l..r:: PI p,'<-l
EI >,::r: >,0:1;' U O./J tIl nl 0
&l
w
~
~
o
o
:l'
0{)
~
~
=~
01
:;!;lI
e ·
05
~~
U~
:li
~.
..ctfO g
~F
o ~ ~
::s~"
~ 11
1]0
'"
,..,
6 0
" <-
" ,..,
" "
~A~
"
jIl-rlllJ
".-<
"om
O~'rl
'" .-<
"0"
"'" "
"'roU
"'
,'<~,
,""
0"'
0<
00<
"'"'
'"'
8",~
HO
0"'><
0<0<
,",,,fl
HH;<
<>:
''is;:'
PP::rtl .
OOf-lA
:>q:r.. ~ fil
HH
I%oE-<AZ
Hli:H:il1i:1
"'!!j0
or1J.Hr:r:l
><0 "
'"'0"'
E-lH~H
Qd:l:~ 0 H
:ErillI:H
0" SO
""'~"'
ZZQU
OH"'''
HO< <>:
0< 0<0<
,:Cp:::oooo
U~"H
HpHOO
1il0fiJ~
~ <>:"'
lllog
"O<"'~
'" "'"
O~UE-<
~OOP::
'"'''0
filHP-1:E
,",0
Hlid....p::
.. "0
0<"'''
0<0
~~~~
0"'0<
'" 0"
Qp,..:n)
><OUH
><gJlil
~2~
s
...
"
"
"
o
EO ~ fr
illS 0 0
.J:: n:l r-- U
"" ,..,
i-lrnl-l IV
Cl f..!Cl~ tn
" " "
"'" '"
1Il"r-l <1l o;;JI oW
m ..a......r I J..l
ctl.w 0 m,o 0
r-l 0 Cl..-l r--:E
mOl r-lOO
::l 1-10 HCOE-l
Olt!NllIt'-~
O::E;co U_O"l;E
~
.
~
"
.
"
.
~
o
~
:iJ
m
m
.
"
~
'"
"
"
.
00
o
"
"
, "
o .
,,"
,."
'6~
" .
,,'"
",
""
o .
",."
"
.
'"'
"
"
.
"
8
gJ
~~-,
.
o.
1=l..c: .jJ OJ
lll.w -.-I EO >.1-1
.w III 'M.rl ;:j
III !-I-M k .w 0
-rlOl!=:lIl<ll >.:>.
m'dltl.wl-lQ.l.-l.
~ 3~iJ ffii31J g
'" 0 .
OJ >,10 j:l,-l.;..l k J::
~ga.3~~:a-S
O'HDllIl1J1-I OJ.
.w tnOl-.-l 0 III "Ij-,-f
l-l r( U lI-l :> III tJ
o 11ll!} llI.rl Q}
6 Ql..cl''d o.G1l-l rQ
.s::lE-l c ..-l
>..w 1Il ;::1.w m
u ~ oo.w
1=1>0 '0lQ))"i=l..-l
1l.l..Q.w~ e
tn tlllh"lll-ll1lll-l
H'd,(S.jJ..-l..Qo
. .
S tlI QJ o.w ::l r-l >.
1llJ..<..c:l.wmOr-lU
::l.w ..c:;:"'.r-lc
l-I..Q m.w ::: III
o tI.l :>.;:... .w tn
4-h-(,.Q III mm::lr::C
'd 'OC!:lO
rn 't1 'rl..-l)il1l
'tl QJ OJ .-l-Iltl 0
3.Q.g~g fr . ~
ll-lrl.rl...... QJ Q
r-l r-l 'tl :>-.-1
~.~~~~~.2~
..Q .w..c:l 0 m -cd tn
llI;>'oo 'r-! f..l c
rlQ)w>..w::l,.q'rl
......s::l tllll 0I.w m
llH-lllHH) I-l::l
:> -.-I !V-rl Ql 0 0
o<C l-ltnr-l.Q4-lb::
"wr::CPl
r'tl.w 0l......r.iJ1lI
I Qj.rlQlctlr-lQJ..-l
.wi-ltl ..-IIllr::
Z-.-I U s:!1-! ~ nl
o E nI::1 Ill>.
H..-I >.r:: 0 Ill.ur-l I::
~r-I.u...; >.tnl=l >.0
u -.-I Ii. I:: W 00"';
~~~tn~:a~~~
~ w.a s:! > W I-! Ql U
() > -.-1-.-1..-1 lll-.-I 0..'-.-1
~ W-~~ ~ 8 g.Ql'~
r!! I-!r-I 0 Qll-! w.r::, p.,
r:i:nllIl::rlI-!P"I-!.ulll
~
g
"
..
U
~
'"
H
'"
'"
<>:
~
tl
!iJ
'"
!i
"'
"
"
S
~~
~~~'"
"''''
"'8
"u<>:
;jgJ"
HO",
U.."
1ij.,fiJ
",00<
H""
....0
'"
@5~1
"0
"''''
iiJ~
~gr:!
~~~
""'b
" 0
><~><
~D~
'"OJ
"'u",
OH
><~
'"
..
~
"'
i'i
'"
1--"
1St
",H",
00<.,
H~,",
0< 0
H [J
0<0
"'''0
""0<
H
~tZt::
f::fZiii
,,"'!;
"H<>:
H
'"'"'"
HU"
"H
gjg~
0< 0
"'''
><H"
""'''
0<0
o H
"'..'"
0<0"
U 0
,,<<U
1)~",
"""
Po
,,<<
><"0
,",H"
~~A
gJ~S
"00
"'..'"
U '"
"'
~iS~
"
o
"
.
'0
"
.
.-<
.
~
"
"
.
'"
"
'"
o
"
.
'"
"
.
~
"
o
'"
'"
,..,
00
il'
.-<
.-<
""
"
m
..
"
.
'0
o
"
g.
"
."
'"
"
""
"
e
<<
~
..
"'
o
'"
@
0<
"
if
8
'"
E
'0
.-<
.
"
'"
,..,
" 0
" <-
. ,..,
'0"
0"
" "
ii!"~ .
"",..,
E-iOm"
tZCl-.-IQ)
o ,.., m
:,E:OI-!::1
"'''''
QJooUU
" .
E-i" .a
"
." <<
. '"'
~'o ~
",3 ..
". "'
.. 0 0
"'0
0.-< "
H
"''''
"'''
0<"
.
"00
00
"
",00
~ ~
<>: 0 m
z>. ..-1
"
.
o
"
~
'"
o
"
~
"
"
.
,,~
'0.
.0
.-<"
..."
'""
m
t;)~ ~ Q)-.-I
~~g ~~
..'" .
HgJi3~ 6,~
""''' "'.
"<00 tn
fill!lo.. 'l-I.j.J
E-< tZP'!HI-!
o Z P :]::.~ 0
i2;Ho..f--l :E
~
g
"
o
'"
><
U "
"" '"
gj;l g ~
""' 0
",H "' ~ 0
:.:" 0 ~ "'
j:i!H ?-J 0.. :xl
.,"' '"
lJ.!lil ro ~ :::l
tZfil l1.l Ii:l ~
Ii ~ ~ ~
::;:: 00 Cl 00
@8 S ~ ~.
M?-J ~ ~ ~tl
~L.:: t; !i. g] ~
o H"
li.E-<?-J t;)<
ou ro E-i ()l
CJl~ 0 ~ g]tj
Z POI 0.. i3
~lll [!) 1] t::z
~t'.~6 ~ ~~
:> U H
O<'1ZZ 'j:i! roC!
tZooo::CP'! ..::I HZ
o..~~~ ~ f:1~
j:i! H zS..::!t;)
"'.."'~ 0:;'i!11I0
0<0'" ~. '"
::X:-8~ CJlP:;
E-iUP'!E-! ~~~
~"ii!~ .,,~O~
1J"~" >< :>
;:,,,tlfiigg!:ii!o!;1
~~!i!O!1fli",~rg
000 P:;O Cl Z
UH?-Jt;)Ut;)":cPI1I
O'.lUO OClOo..
"'~,,><,,><O<><
O....P'! b P:; j:i!
?-J Cl!i.Oli.O~1I:
P'!tZH?iH:EHE-i
..,,"'
H<::E:'" i< i<
,,"'
0<
""
00
"'..
.
.;...~.uCl
o nl-.-IZ
l'11-!'OH 0
'O---I-!WE-! E-!M
m nl~M G
.-< '" 0", ""
-iJ-iJ./-l ~P::~Cl
-.-I I-! m ~ 0 E-i
.u-.-I ::1 Q) O'Ht, ril P:;
Q.r::eeH ClO
Ql.u::1gg::~t!1:<:r>i
m~el=1 Od.-jO::Ej
1-10......0 P,O::P....
nl'l-l U '<OOQ
m 1Il :<:?-J
::l1llE:QJ08 0
o Ol'.-I.c::-.-IOtZrr:lE-!
>'~-iJ.u~Z813p,
~.u OJ'l-l Z O?iu P
.lJ ~-.-I 0 Q
oo.r:: OJ ClOr<l
~ E.u m-.-IPZf-iCl
Q.r::OH I<C
m1-ltno.u><p:;g:Cl
.c::::l s:! InOE-i
.lJ O-.-I.c::'l-l]i, III p:;
>.~ +J 0 HE---<" 0
H::l-.-l tf.l ~
~6QS:'8oi~~tZ
J:: tnQJ><..::I P
b QJ . s::1 ~P1l0
l-l V-n VQO >t
I;jU.lJ.c:: ?i
I Ul-.-I m.lJ~ Cl
O.um 0 ~MZ
~r-I06.lJl'1M()H
oZ l\l~UHP:;
.. "0<,,
mI-!OJw'dE-iF<:X:O
00-.-1 U m~E-<ZO
tl'l-l:5~~~~OlE-i
1i:1'l-1 1 -.-I OOH~
tZO'l-lOr-lli:1tQ:::r:O
o 0.lJ :::r:.:r:~ II:
11. >. 1 m f-i
nlmmlll Iill1.m
11..u.u U..-IZClO:Z;
OmmnlUH~ H
?i >,'o~ ~~~~~
a: H m tnHO::<Pi
E-inl.r::mrn~OPi~
ml-l.u :E j:il
~ 8.e'g g~~~ ~
r:; E H W-.-IUUt--iO:
p:lUO.ur-lU~ E-i
o.lJ'l-I ii: ~OCl . S
~ III ~'1j g &; P:; ~ ~
",o""o"'~,,,"
E-<.w'dIllU~I'iIQA
I'
f-e
III
"
""
.
o
.-<
.-<
o
'"
'"
o
00
"
"
"
~
::;
'"
'"
o
H
"
'"
'"
. wo
.J:l -.W 1110
"."
"" '"
"'0 "'
o " '"
,""0
m'"
"'''
!;;Oo::; "'""'"
"'. '
~ g~ ~..
< co tnOl
PiW l-llll
" " .
I'iIIll .J:lll-l
" .0
F1:tt1-ttr1ll I-!
t!l.u .wW41
f-is::1Il-lI\l-iJ.c::
n:. ~ O'd Ill.u
00 r-IO
~~.B~'d'd
?i r::>.<<lm
51 "'." ~"
E-!-~ ~'8 U ~
Z3:Ill.lJUU
00 p" F:( ~
"',.., "
':""l>otn
Ii:1 Or-l::1 ..
~1l-l.clOUl
"".
m 1=1.J:l'tn
.c::0.lJl-l
.f-i.lJ e III
o 0"
Z'd ~o'U
"".
r:arnr-lN~
;, . 5,';' .1!
::d.c::WO'l+J
.uo::oO
"'"
00
>< 6
.
o .
W-.-I 1=1 m
.c:.u 0 ill'tl U
.lJ 0 .-C:.J:l s:: rn
s::1 to p".lJ W'l-I
'l-I >.11l I
om lll.-l H <U 0
-.-I'd <<l o.c::.u
m.s:l .lJ1l-l.u I III
S::+J~ 1ll1=1
o o'tlOl.lJOO
.J:l~:?~-~ rn~j
.u U.J:l s:::
-,-po >.01 i=l.lJ III m
;;r;1=1.ullllll~l=1.u
WHOltnDDd
.u -.-IOlIll'H ...-l
III lU.r:l m III
m.c::.lJ J..l l:n.j.Jr-i l-l
S.lJ 't:lI:lQJ::l;j
I-!"d-.-I m"d 0
;j.u 0 Illr-l W>,
o 1Il'l-l W m.c::
>, ~ OJ l-l U'H
'O::lOll=1nlIllO
ll-lmOt1l;j
H.u >06 0'0 0 >-.
OJ rnUI1l.lJr-I
1-.-l.lJs:! .j.J lU
! r-I ~ 11l-~ ~ i7~
Ollll-.-I.c::'tl 0 Ill-.-I
Ii:1 w 1llE-< QJ'-! Ol'tl
H U tn J..l OJ Q)
U..-I III U III lU 6
Z s:l . -.-l U E
MmQtnJ..l m...-l
Cl Olo l=1 Ql >,Q
< It!..-I'.-I 6..j.J J..l
.lJ..j.J;j J..l >ow
CltnUlDtlJWr-I'O
Z s::1 nl W s:: PIs:! s::
H -.-I S 0,0 0 m
..::Ir-IW U}.J r-i
Ii:1 Q).!>:: OJ p" OJ
OOlllnl-.-I'tl -.-II-!
Z s::1.u.c: lO 1Il ;j
p;j .lJ._l'.d.u 0
00 f--l IlI./.lH >-.
U UQ'I-ll=1
Z 0 tn.c: m
E-<.lJ -.-I U . OJ
H-.-I >-.w m-.-Iw-.-I
~'g ~~~~-~~
0:: l-l 'd .lJ F:(
() U}.J 'l-I s:l 0
Will 0-.-1:<"<
tZl-!'d.c:: .
Ii:1 ~ m.lJ ~ ~_~ ~
~::1r-1 H 1Il-iJ.c:-.-I
'" . .""",,
Zs:!Q).wE::1 QJ
QO.J:l'l-l;jD'l-lW
UtJ.urn!=luoe
<-
o
m
<-
ro
'"
"'"
8
0<
~
"
0<
!J
o
:ii
~
o
0<
'"
"'
m
'"'
U
."
".0
r-Itn>,l-l
"" .
ltlP"IJ--l't:l
'" H"
ill III ill
'0" .-<
""-
s::1S: 'iLl
-.-Io.u.d
,..,,..,,,
oo.-< "
-.-10 rn.c:
'"'""
m m-.-I
tnill't:l:o:.
. .
tnmJ..lE:
.w~;jQ)
" 0.-<
Ow>..a
60 0
-.-I'l-.J ~
l-l.lJ0P.,
" 0
OZWIll
)-l i-l-.-I
.""
l-.-I.u.u
.""
,,".
"' >
Ul=1alr-l
"""" 0
., "00
0<" .
oo<<l.lJH
H""
00<<100
~r-I~.lJ
" .
1'iI.us:lr-l
Cl H D,,.q
< 0..-1 ltl
t!l1j..J.u1:l
0< ""
f3~~lU
~tlJOH
'""
"00"
o Q..-I't:l
..0 "
000"
Z rn-.-I
Om'l-l'd
H l-l..-IW
E-< 0-.-1
<l1lmH
u.c::o,.u
H"OO
'"' .
Pil-ll---l>
PiOOn:!
r::E;4-Ill-l.r::
~
U
~o
~~
;,;'1
o~
'^';,;
~"
z~
Oz
~.Q
~~
~"
~i
" x
~~
. ~
~ .
H
~~
d'
Ii .
. .~
oj!
H
o 0
e-u
o .
~~
m_
~~
~~
~"
.
"
h
~o
~o
~~
~'1
"~
i~
z~
-l;Jz
'5.2
C:,g
~c:
~:;
ro~
g~
.~
.
~~
H
~~
c
.g
c.
.Qa
18
" .
uo
. ~g
~E
t"
O~
"::1
'<;
"
~~~ .~ M".
~
"
~
o
o
;!'
'"
."
""
.u QI'H CD
PoOrl
.u 0 rn . k
rdJ...!WC1} +JO
..r:lPl.u JJ-'-!
.u II'lmS::mJJ
'd'd-.. ;::l ~ c:
'd OJ 4-l0 Q}
QI CllIP+-l e ;::l 8
.u lll.r:l-ri III 0 >-
rtltn.;..ll-l >.01
.~~el!..~kp.,
.u 0 0 CIl JJ. Q)'tj
III S k mm
Ql 'l-lQl ..S::l-I
III .c: m 0-"'"
.~:B~JJ ~r-i &
JJ4-l;:ldlQ)
.ull-ls:lOO.r::k
HOD tl.u
" . .
Jill J,Jl!-lQ)..Q
1 r-10 mO ill./-!
fllr-l'tl III
1i:100 QlJJ .
E-t >'r-l' k III k
=0 S(3~G1 ~~ gi~
~ ly-w.u lll..... s::
~. 1i:14-lIlSU m :>-,Ql
..:I'M E III .-l..-lr-l
~ H-.-\ 0),--0..1
I. ~WQl:<m..t:h-lOQ)
_.~ .c: o.r::.u:3: lll.c:
o ..0000 I-lJJ XU
c..~~ oj 8::4-l ~ ~ Q) tn
b-t'';;.1%l III 0 O;:l Q) s::
8 tH..Q 44I1lE-o-i
pH~ 2] ~JJ~tt
c::.::r: m .r! 'd n:I
(J)::'1;00 'd.u;::l >..u
'OlJ~ ~~g g g.~ g 8
.ct[ . liI.u :3: a: 0 -w
'PP!~m'd -IJ~IllZ
1: oo.ur-l'.j.J::l.u
O~Olll(jJWJ:lU;:lrl
r.. At 'd.r:: tl m 0,"",
~ 0 -r-! m 0 -.;
""" ~ E-<.u Q) +J .u't1:;::
00 m,.Q 0 ID s::
~ SI'il QI Z..Q'O-,...J i=l
H-.-;'t;l Q.lll-lO
~ ~.--lrl Olrl'tl -r-!
g H ;::l-rl r-I Q.l :>..w
< III 0 ..c:-rl Q) nl U
I) QlO.w;;t,U;:m
"
o
><
[:l
~
"
~
8
;!'
~
~~ Ii:1~O
..... S ::q-rl.u
E-<O E-<.r:l
s::~ t'J~~
-.-I Z 0 III
":i!i';H m
'~E-<~ ~..ci'"d
:;::0 Oms::
E-<C1} nlm
~ S~uQ)
;::l~O-lt:l >.r-l
~CJr-:~~~
"OZOQ'dlll
H .() III p.,
m>el1'lIi:lE
.c::~t"-f1l Q)
.w p., D,) lll'O
Ql><NO..Q~
Hill H+l
" ,"m"
OQl a:;::lltl
d S >..~.tfHll S'E
.~ ~ ~t:r1l~~ 0
~ l>:l QHe;;jJ::>'
fd ~50l:r::i:Q)~
f,;;j, .~:>;-.-IUU ~o
OS .c:H III S
~~: "~g;Po"
... " " 0
,., E-t 0 ~,.:t -
f'\~~Q)~~@~
""" <;::,.....u Q I-l Q)
OJ ~ t<! III Z P::..c
~h~'tH"1 ril U
.!'...... ......OOJ:!.
o Q) E-t ~
orij.c:I1lZ><Q)
~~i'J~i'J~~~
o ~'" OO<(~"
~ ~~ooE-lP4~ ~
~ ~U;;:f:H~~U
~ .8 2 Q Q ~ f:: ..i
!~O~~~~
o(OMo::t:OII:..c::
En 1I:~p..:.E:E-tU
m
,c-rJl]!f ,
1 "
"
o
o
rl
"'"
o 0
o.c:-.-I
-.-I.w 00
"c-m
_ w
"'0
0_0
P,t<l~M
l-Imp.,o
Orl N
Ulll.w'<!'
Orl
w 0 .
g>'~ ~~
"'" .
.u >:: p., ~
"" 0
00 M
:St<! "Ill
""
E-tm.u4-1
Qls:l.w::l
ZO~1Il
"
'"
iil
'"
..,
f;l
8
8
U
~
U
o
8
15
'"
"
o
'M
"
-
"
o
e-
O
u
o
.,
N
.,
rl
.0 M
tJl'<l':><fYl
1ll1Xl\2jUl
'" rl
.u X ~ r
1-1 0 O'<l'
OtQrlN
>: . c-
." ,
E-IOll-lO
Ql -::lo
';EllllIla:)
"m "
.m .
"'. -"
~-lJ ~
..,'" ~
<(
" .
o "
o
. "
" '"
.
Z
,~. "'
.
rl
.
00.wQ)~
"""
00 tJl.u III
- oM
ll-ll-lkm
4-1 Q.ltJlW
-.-I ~.u Q 6
Q)::!4-1-.-I-rl
..c: 0 m.c:.u
"' '" m
>.-.-1:>,
Ill'g t B ~
.umW::l
III p,ll-l.u
.c::>,o t1:I
.u.wkl-l
l-IP;::ll-l
III III 0 III
N P;lll:>'~
-.-IO.r:l s::
rlk.u~w
1llP; s:lrl
. ".
l-I'd-.-I W
. 0"
'd tn w o.u
rim:>:>.
::lm-.-I :>,
o.url W..Q
"" >
00000'0
6.usw
" ."
OW Wl-I ~
><..c::;:l rtl
.us:lo.u
r -.-I.w m
'"''
O>::.UW
fiI O-.-I..Q
:;i!_~u g '0
oo.c: ::l ~rl
m 0 rtl ;:l
00 1-1 >.r-I 0
_. 0
~ Q4-1l1S
~):H m
...... 0 ~ tn
" ."
rill-I -rl-.-I
lJ::::l.wllStn
u.J O.r! 00 s:l
'" 0
~ >.mr-l
o "d p,~ W
s:l;:l4-1,..Q
E-oWU4-1
U (j-.-Il-I
li:),.-J 0 1-1 W
I'1<rl W..G
1'1<-.-Io..c:: .u
r;il:;:.uooo
o
o
'M
"
o
.
0,
o
'M
, ..
o H
rl .
M"
O~
".
M
.
.dm
"'M
"
"'"
o
'M"
-"0
.
".
"
"'.
-"'"
" .
M"
""
.
""
. 0
'"
m
""
. .
""
"
o~
o
"'M
"~
.
><
.8
H"
OH
0,"
8
"
.0
O'M
"
""
O'M
1><,
.
" "
r-I ..ur-ll-l
::l ~.u Illm
rtllll.Q:>,.w'O
4-1'dWIlIO>::s:l
W s::'O P,.u W 0
'OQl r-I-.-I
r-I IV 0 W .u
W tn.w..c:WtJ
..qWrtl .w..Glll
./..I.r:ltnW .w
.u.wtJ4-1 .--I
aJ 1-1 s:: 0 ~ III
1-1 ~ 0 III 00 tn
;:lwS.r:l.wl>laJ
tJU Us:li<l:.--I
-.-IaJ aJ.Q
bbfl~~___t
S::Z .wIllOIll
aJ P,M.u-
o oo.w aJ ~Ol >.
'd-.-I m ror-l .w
.c: l-I 0 r-I >< 0 1-1
;::I.uaJr-I;:lE-l.ww
o rl 4-1 P:: P,
>.4-1 aJ:>' H ro 0
o U m4-1II: ><l-I
4-1 USHI;-IWQ.,
HWIll Q
.w :::I s:ll-l'O
r III 0 0 .-.-10 W
r'O.u>'lll.Q.wtn
.w.w.ulll
E-IlOlll'ds:l-r!nltJl
H.Q.wQOJ~ .u
3.u.c: fll S lIJ l-I
.... lJ'l r-I OJ.u 0
1'1<4-1-.-1 >.r-I"d-.-I e
M 0 ~rl III n1
.Q Q).wS.ul-l
oollJ.wm tJ;:l
M:>;.wflls:l.u::lO
~~..-I;a-.-I 8tJ >.
IllOJ>. OOQ
M......OOS.-lOOQO
11::0-.-1 e.c:-.-I-.-I Pi
OM tJ-.-I.u ;:l
u......1-I s:lQ)0
11l11l0::l.wa>
~~~.gS'Ooo~
ZP:: s:l.w'O lIJ
I-l 0'0-.-1 Ul s:l 0
OII:.j..l m nl l1lrl
QE-t I-I-Q) P,.u U
UllOO'I s:la>
b J:l'd"d 1llJ,J-.-I H
0-.-1 l=l-.-I O'IS:: 0
><.dOJm.u:::104-1
.w.ws:ll-lom
Ii.-.-I s:: 0 0 S rl 0
H ~-.-I U S Illlll.u
"
pow
.
~ 1O ~
00 .d-.-I
m ""
. _ m
m.u-ri
rl.wldJ,J
rlO .
...-1 OJ k 00
,~O .
.uOlllO~
o.c: p,.wro
" ,
"'H.
>,mQOtn
III Q)-.-I"ri III
SI-I'OHtn
ws::o..w
111-I III ~
t< m.w '00
t< Cl [Q-rl e
!Id.ulll
H::l Pll1l
H.u 0 ..c:
o ."
" . "
>.O.d fll'l-l
. " 0
"" m
Wrl.j..lm
1>..-IOJ.w
::llll 0 s::
-" O.
" "
Illfll'OOl
;::l .d s:: H
00.u m-.-I
>c.w"dm&
Q)QJWOJ
r S'O QJ 1-1
r 0-.-1 !$.I
,,> "
ril 0,1lI (ll
Cl 1-1 1-1 ~ .r:l
~::l p,>'.w
CiO wo
8 >< ~a
p:: .u~lO
o I-I..Q O.d
';EQ}Ol.w.w
""'''
Ii. OJ Ill.w
Os:110 III
III tJ1'O..Q
,J2i 1-1 III Q.u
o.u mill
H " '"
81-1kmQ
o,OOlOlll
>: "'"
Or-l kill
OOrlQ}lllr-l
UJW..Q.r:l1ll
~OJ.iJum
8
[3
H
"
'"
~~
"
~~
OH
"'8
",t::
,"H
88
"'
"Z
"H
a"
;;:,[:j
"'iil
0'"
8'"
.."
~~
"'g
;'1<(
<(>:
80
"'''
0"
0><
8'"
Z
><0
~~ .
"'~8
"'0"'
0"'"
"""
"'0
"'"'
'" H
'"A'"
888
H""
HO"
'" 0
Ul8
Ull><
0"'<(
8"Po
8
><
Z
o
"
Z
H
8
U
<(
><
~
'"
~
H
'"
8
~
I><
"'
"
'"
8
8
~
"
'"
"
"'
H
'"
8
~o:
iJJ~
0'"
8Ul
.
rl .
.-I ld r-I'O
.--I m tn Ol,..Q 0
-.-I ~ lO s:l..d 1II-.-I
~ "M fVrl.-l ~.w !5 ~
>. Q} d d\l-l r-I W 0 00 P;
.w..c:l -.-Il---!-.-I1ll .iJfll
k.u 1O III () H Q}?-t
Ql .G O'I./-J ~ >. III '0 1-1 ~
P,4-1.u Ill.w 1-I1ll'd W Q
o H III lO P,S::'O k
1-1 OlOl :> 1ll'dQ}......
P, k O'Iw W Or-l ltl.c: 0
'::l s:lr-l~.u .iJM
'O.iJ U-.-I,Q 0 rIJ 4.l O~
Q)..Q '01llP=:Ol.Q,.q
tJllO ;:l W ~ :>.u W><
Ill'tl 0 wall! rl'O E-< .
tn >. U m '..d >.r-l ::l P:: OJ
.u Ol 011I0 ..Q-..-l.-lH Ol
1-1 tn.u H Q} Or-l ~ U II: Q}
o III ::;! P, 1-1 . rl'tl s:l E-< 4-1
S rn.Q 0-.-1 W m-..-1
..u r-IQ}lJ1:;:J.--!Ol ,OlOO
Q}k ~m..c::(/.lo j..JmO.c:~
..d 0 III m.w ::l::lll-l m.u >.
E-< 6 >. woo tJ r-l lO
([)rl:>'.w >.~ III III J:l s::l
r Ol s:: III ..-1 ~ -.-I H
r .d l-I OJ P, P, ~ >. >..Q 0
.uOs::l ::l::l>,wm.u.w
~4-1t-~.B ~~~ ~ s-g~
Po< 'H III (ll 'Cl III O.Q
00 ..Q'O Q}.u::;l'.u u J,..J >.
m Ol ~ OJ.u .iJ-.-I.-I1Il
Q >..w 1-1 \.l k s:: U rn.c::::I p,
iYllll-rlW-.-I;:I-.-I1ll :::Ill
~P,org&g~IlI~..~B
r-:I O.w Q} OJ-rilll m~ 1-1'0
u.w r-Il-< lO QJ 'd
~'HmQ}lI)~~1I-I -]11~
04-l1l1..Q..Qr'-l.w mo w.u..-I
1'1< -ri u.u m 1-1 ~ Or-l ::l
1-1 r-l;::lns>.. OlD'
OOWkW.-\.u.uQJOQ}kW
H.r: ;:ll-l-,..j tl OJ s:ltO.c:::11-1
mOO.iJfll l-I-vr.iJU
M >.4-1 m W 0 III
CHJ QJ l!l f.I.w 'd Q.l ::;!..Q
~.doo.Qrll-llll.wlO:;;:O
('}.u i-I .---f W ro W 0 >,.iJ
E-< Ol >'-.-1 :;;: OJ U 0
0:: >.4-1 U ~ tJ1 W X ::l4-1 s::l
O..QOl!:l JJdr-lWOH
~ I-! OJ ;:l1ll-Ci,Q >. rl
'Cl g, 0;:: '0 m >. r-I
~'O ~ s:l >..u ~ 81li:: oi-~
f--I Ul '0 -.-I ~ m u OJ.u ::l.u
J:l.--l;:lOlOIll Om;:l
I'1<OlOlQ}OOJl-l104-1EOO
H..Qrl't:l >,ll-l Q.,H-.-I III U >.
gj
8
~
o
"'
:i!
~
b
\::
.
Oul
"Ji!
ObH
Z08
><
" '"
H _'"
,,"
ul"',"
<(>8
15~~
H,"
8~
H
~,.;iil
"'..,0
~>:
~"8
ulf'l~
"''''''
~~f'l
~"'!5
Q8~
'"
"'b~
00
81><
ul U
"'''
O::HO~
8'
'" - ~
~ &H;H~
g!5r::><
"u""
au <(
';EO~~
~~~5
n~~
"8
OJ:ilOZ
E-<QZH
.
'"
rl
rl
."
" .
0'"
.0
""
.
Po.
"
"'"
"
om
"'E
"
. .
~ "
.
O.d
m"
rlO
.
rl
"'rl
--
"
'0
""
..
'"
" .
. 0
rl ~
.rl
.d.
8-"
'rl
, .
Po
Ul'M
'" U
H"
"oM
"'"
>:Po
'"
"'"
'M
"..
"'Poo,
"0.
Z"'"
'" "
..,."
.dO
"',,"
'"
'"".
80"
0""
'"
~
"'''
!5i;;
",0
0>:
..,
Ugj
iil8
o
""
'"
~~
Z"
H'"
~~
~~
"ul
"'Z
"H
<(8
H
"b
0",
~
t'lH
1Jj"
~~
'"'a
'"
Zi';
~:<
gjgj
8
".
8ZUl
"'H8
"'''Z
"'''''''
~gB
0"0
8"'''
.
Ei
p
ul
o
Eo<
~
~
p
\::
~
tJ
8
I
"'
~
'"
"
'"
"
en
en
m
..,
U
~
H
..,
'"
m
p
\::
'"
ul
1Jj
..
'"
" '
"
"'"
gjiil
8'"
0'"
~~
8><
"ul
'"
UlZ
",0
<(H
8
au
8<(
gj
8
'"
'"
~
15
H
8
U
'"
8
g
'"
'"
'"
'"
ul
o
8
,;;
rl
.
"
.
u
"
'M
ul
.
.
. '" "
I-IW -.-I
;:l-r! OJ 4-l
l!l 1-1 0l'H./J..c-.-I
~ .s g ~;: -B ~ t: m
.r:: ,.q..-llVUdlE:OIll
.u lll;::lQJp,W4-l
:::!'d.c: 1Il.w't:l1-l OJ ~ s:l
o s::l tn s:: 0 0 -rl.u 0
>'nl-~o.u~'H~g,m~
4-1'0 0 W..Q W W -.-I
HOQ}.u..d.iJ.QlllHJ..im
-.-I,..q .u .u r-I Ol 0
: ~.w~tn~..dm~8P1
OtaJ J:lb'l.u .r:lllllO
fiI >W-..-1k-.-Im.uee
~~.m;:;~.m:;;:~OOlm
U,lQ .u P-,tl'lj'H >..cl
rl Q}-ris::l.uw
OO___r-I >'>'H.u ~ III .r:l
~~:G~..Q 1l ~1l b1_~.u
r::~IlI.w~g aU)_~.u.s
fa~gIllOl-lg.m~3Ol
:r: 0:: >. Q} 'd 0 .u 0 III OJ
OOH r-l OJ 4-1...... III
o~ dm ~Bt:fl ~~F
E-< ::s Sill 0-.-1.0.. ~
Q.l tnw r-I u): l-IO
!3fl.3fl g >'''d'dE6 s
H :>; Q s:: W >Ok
O::QQ}-JJ IlInl.w'O ;:I
lll-.-I :> d u s::l tn 0
.c III Ol . Ul m lO III d >.
~_t:.d ~~.:; ~ a I-I-~ Ol .
D:;;: m 1-1 III PIll-! 0 W ::l1-l'O
~ tnp.m u'O tJ 0 lO
1iI.u Q ~ III s:l .u.u
rilr-1 ,.-I '0 m Q) ~ OJ (ll [Q r-l
Q ;:l'tl Q ~ ::I >..wr-l "lD;j
IllQJlISlI-l'Owm WI-IIll
fi3~ ~.iJ~.u ~ 811 ~r-I~
E-I '00 r-I ~ m 0 .u tnr-l'tl
k ::;! W 1IS.u l>-l .iJ-..-l
fiI Ql o.lll.d p,.u W >.k:;;: k
f3:BQ}~CIlQlll:B.Q~Q}~
U ~'dQ}OlWOtn om
'd::l ..c:.r:lr-l s:: lO-.-I d
ow m W./J .w..Q'O-.-I.c.w
E----< k o.c: III s::.u.tJ 0 '0
;:l r-I.iJ Q}.u Q fll-.-I s:l III
~u~Ol~3gQ)~~tll..Q
t'J.u 1-1 HIl-l 0 Illr-l 'd..-I::l
HOO::llOSlLlfllQS::.c:O
0:: r:: 11-I u.o III 1-1 tll-.--! ~.w >.
'M
m
m
.
rl
<(
rl
rl.,
rl
.
m ..
mo
"0
"''''
~
~v
~"
~$
~~
o~
"'~
~~
z, ~
~z
'S6
~;jj
6dl'
h
~ ~
a.:~
-2
~ .
~"
U
".
c
.Q
5i!!
~8.
" "
~u
81>
. .
~~
~~
","
~
"
"
jgl
~
~
~~
!'-~
~~
,,~
~z
~o
m;jj
g~
~-.f
S"
~~
.2
~ .
~J!.!
o.
H
~~
. 0
c\il
0"
~e.
00
~u
83
. .
~g
g~
~~
","
~
"
~ 0
~ "'''' 0
0'" " 1)1:: "
"" "
[5 00 0" 0" ",H'" "
OS "'''' 0'" " " 0""' " 'O
:1 "" m "' ." .,< " "" H~", 0 0 0
tllm " " g",~ " . -.-1.Q::l " 0 0 "
Ql ~ H ~ QQl!4m Dl lo-l..-l H " 0 H U " .-< tll ~~
.c:OlllO .~.u ::1'0 HO -,...{ III Q 1Il Q) >< >- "0 tll 0 '"
.umsottl lPO 0"," m'tl 1l1.u H Q).--l "''"0 " " .,< 0 ~I
I'iI OUl,...-l>'...... "" ~S~~ffi:5t6 Po"," " W > ,-
EO 'lj-o-l Q PI 0 " H " 0 0 .
a'OooCll.uos C") ~~~ " 0 " r;:r:p::~ '" " {j .-< '" ,,~
l-! ~.u C-M 0 .~ Q):>.m ~.-l.u }..q:: .'il ~ "
Il-lOkllli2';.wU>' .. lJ'lOSOUQh-IQ ,"Ofji " 0 0 o~
,,~
1ll&<~am~ll1ga Poi5~ lIS Q -.-l-(\) e'1j-r-/ OPO 0 Jj '" ~ ~~
tnWWOOl-l III " '" 0
U ...-1-..-1.,-1 m l-l P!l::tij .. .u tJlA..,..( 0 Q) 'tl'.-l ~~~ " " " ,"0 z.
d .. 0 m.r:lr-l mOh-1 0080 j...j.:i: (lIl-l.:> Q) 0 " ,qu(\J ",0 ;iJ!'.
III E OJ Q).u D..s:l.(.c: ><1%.~ri1 o III Q) m.,-l W H .-< go E ""'"
.ultlS'tl 0.-'< " HH Ew..d'tlO.r:lll-l"d "'''';:j fr "w '" ~i
. " 0 lI-lm.uQl J:<.. E-q=n:"i .c: 8 Q -.-I HU "'O "'
-.-I tntIllll 0 .u u 1=1 Hl"illi:Hil >..u ltl ;:lJ,J m PoH " 'O o " co
~2'd:5'd~-g~:a "'~" 0 ~ oo.u ,"i)~ .,< .-< "'''0 J?m
1=:>0 '1IlQ):>'S::-.-l .-< " .'" 00 .
1ll0l21l-l g~~.~.~ 'OOH!:iI Ql..Q.u~ S "'"' .-< tll '" '" "'. ~;
"" '" trJ U Ill-.;'+-! ml!-l " " .,< 0 ... ""'''
Mill Q} 0 Ul ~:3: ~8~..:l l-l'tl t<:ll E .lJ-.-l..o 0 ><~~ " .,< " 0 "' ... "'""'" .~
III Url Q} l1J " " . " .0 " "', . " ~lI!
-.-lpp.,m..c::w>:ltn'tl ~&1@~ S m w O.jJ ::l r-l ;:.., ",",,,, e " ... ~O"' . 0
U m E tl.u..-{-.-! s:: OJ QJ H.c:.u lIS O.--l U "" 0 'O" i<l:S::~ " .. . ~
f;:l.uOO u 'n~ opo " ;:l.w .c: ;:"'-..-i d " H . ".. tllm '"
nllll U .u J:l ::l WI-! Po ~ I-I..Q m.jJ :;:; III '"'"'" 0 " '" Po Po " "" " ~ .
8 $ 1=::-'-1 ..d III QJ O::lld om;:"';:'" .u tn "0", ~ "0 " 0" ro ~~
-.-I m ltl./J tn:>. 0 E Z~O~ \l-l-.-i..Q m tJlm;:l,.:x: " 0 " ..x:-rllV Ji:1111 ..t:lI-l '"
14-1 m -r!'O ld 1Il.u OH";:j '0 'Os:1s:10 "''''' ~ ".0.-< " '0 0<
.... {l-loot:~S:~tJ't~II1~ H" m '0 -r!-r!>> III i):l1", '" ['-10m .. ,(mmw l-l H
" "" 'tlllllll___ l-l I\! U '" O::G-r! m 2JJ .ullllll
'f! i 0 1Il-r! s:1 m J::-r!-r! p, 1<C000tIltll s:1..Q.r:lo::l tn " "''''''' " " o .-<. ~4-III1JJ.r:l ~~
4-1 tJ't'l-t O-r!-r! m s:1 - ~~1:l~ " mwpl\! ' . '" 0 ~ol-l::l 0:: 0'tl11l.w IJ .
. I\! _r! rlrl m I\! l-l tn 4-lrl-r! ..... " 0 "" " '" "'.. 00 ~O "'"
o E :>..tJ't"'C1.u mid:> 0 s:1 ~t>~~ rl rl 'tl >-r! ~~~ go ~ lIloXlUU ~emm 0
.09
e~~~ ~ ~ m ~rl~'O-j 1Il'r!..Q m . III 0 Ii. '" " 1II.j.J.. 'tl't:l 0"
~gj~f1l r-lS:IIIII1s:1::1..o "" " E-t.. ..0 >< J:f>'11l1ll ~8.
~p,o -r!'r!::Irl-mllllll ..0 .u.r:lomllltn 1,10~ 'ii " Ii! Ii!~.'il ~ ~ ~
o ~fll~s,~g8.iE~~ III :>t m _r! l-l J:: '" ,. " B-8
~""'.. r-:l Q) III :>".u ::I.r:l-r! ~:l . ~ , ~ E-t _r! _ 0 Q Q "
U ~ 0 :>t..-lPtlLl 11l4-l "''' .r!.r:l U I\! o..u m 00 ..0--:, "'O Z s: 1I1-f-J Q u o .
~.u 0 moot: tn-f-J >'Il. Q} O:';::UE-l 1lIE-tIlls:1U H::I '""' 131: ~~ p..r:l~~ " u~
(l.)"b.u@ ~SIll:a1!QJ1:~ >>000:: :> 'r!Q}0r!Q)00 " '" 'O. ~ '" '" &g
"''''0 .<!: l-Itnr-l..o4-ltJ:: '" "u ... f'l .-<"tll ..
~O.r:ltn.ullltnQ}.u.r:l 4-l D:lHIl.:E .m.<!:Pt ~i5~ '-<0 ,"0 Ii:l Or-l::l " Po .0
tnl-l::lHJ::H JJE-tl ,",0 1'C1.u p,.r-I.ulll .,< . '" 0 ~4-l..cOfll W'"
. _r! W 0 tn..-l u'C1 tIl 0 HIi.}-IO:; I m-r! Q) I\!r-I m-M "''' ".-< "' W"" ~ "'~
tf~"" 0.-< 001l" '" ~o .u H 0 -.-I m J:: p~}-I . '" H mJ::.r:ltn >--'"
r:ar-ll-lm\o-llll.u I " '" Zo.-l U d l-l:;: III ".,< ~ "''' .r:l0.uJ..j ~
(jj rlo..Ollll 111 "0 os 1lI::1 m:>. 0"", > . "'~ " f-l.wS III ~ "
CI ~"'m.,< !i""000 UlZ~Z H'.-I:>ts:: OOl.urll::! ",,"' '00 u " " "' o 0'"
.j.h 4-l m ::II\! 0 0 III Ilo :::: E-tr-l.w-.-I :>ttns:1:>to PoO "''' " !!J Z'Ol-loU
~ l; H U 0 m l-l-.-I-.-I 'l-t U -.-Iii. s:1lLl Dl-rl '"" ' 0 '"'" o. ,
~ III 11I.u s:1 0 J:l tn.u.w ""',, .<!: ~~ tJ1~;a ~ g~ H~tIlE-t::lm " 00 0 ~lIIrlNH ~
:>J:lmm Oalllllll-! 8,,36 IiHQ 0 OJ " H 6,'" "
~ .'"""0"00" tj ~:S.~-~ ~.~~o~ tIlP=l>,llI ~ "'''' '" ~ tlJ '.r:: ...
Ix:: 0 e fJl-.-I p,.-.-I-r! 0 ><OUH .. 00 tn ~ " '" .QQ)O\.IJ 0 ~
Q) '.-I'd>' rlrl>. ,,"'"' ~ lLl-~~ ~'g g.11l~ r:a~1l. 4-I.j.J '" .uO:;OQ " '"
~ g 5 g ~ ~ 'd 1j 8: 8:4-1 "'Po E-t O:;NHI-! .. 5 " 0
~~~ t'J l-lr-l a I1ll-ll1l.c:l p, OZDIIl.....O m ~~ H
II >,::r::>..~ u O.u ru III 0 r::C llllD tJ:: l-I P,H.w III ZHP,E-t :E "''' .,< "
M
M "
~ .;
~ " tll
U ~ ___s:1.ut'J 0 " ."
"'''' o Itl-.-IZ ".,< 0 " .u ID a ~
0 "'"' ~ " MH'C1H 0 .r:1.u Om'Ou r-ltn:>tl-l
0 "H '" 'O......l-IlIlE-t E-tr:a .u a .Q.Q J:: rcl ". "
:1 "'''' ~ III rcll-l fi! t'J J::fJlj).,.uW4-I rclP,lI-l'tl
[1]8 ~ " .-<" 0 [1] ~.. 4-I:>"Q) I '" HO 0
gj .u.wJJ p:j t'J omllSrlHWO " tll " ~
"'H " Po -rll-l fJl}oj 0 E-t -,,'0 OJ o.r:l.u . 'dO .-< mi
tJ~ "' '" '" .u-ri::lIDOlIi.r:ar.r: lll.c: .u~.u I III .,<- ~~
~ "''" '" 0 H s:1.r:l8SH GO s:1JJ..- III s:1 s:1 ~ . lO
;:j "'''' " '"' 1Il.u::lffi~~c5:.Er>:l a O'Olll.uUO -M o.u.r:l
'" ~ lI-lMl=llllmm-rl .-<.-<w
,,"'''' ~: i '" ~~~6 ~~!3~ .Q 0..... m-rl 'l-t.u ..-< " ,,~
0 ~~t "' .u u.!j c:: -r! 0 Itl.!j o~
'" ;;j '" nl'H U o..coop -.-I '0 :>.. m l:l.u III W "'''''' r~
Po "''''''' o~ '" III III :1::>< :3:~+llLll1ll-ll=l+l " ".,< ~~
g ~S~ ~" ::IdlEWUE-J 0 lOl-lfJltnOOI=l tnlLl'O ~ z~
.. m \l m o Oh-l..c::-.-IOg5Ji18 .j.J -.-I m 1tl'H -.-I o.
.,< ~ "" ~ !;, W w.r:: III W tnmHE .Qz
" ~g:Po ",0 H ><:g,.u.u.gzogl ~'E.u.t3~~3~ .u.....;:llLl ;g .
. " " '" "''" ~.u m4-lZo><u~ " 0.-< ,.Q
" HO," '" '" '" ,,~ .u 1-Ior! 0 0 l-I'O-rl m'd 0 o III ><..0 m;g
0 '" "'"" '" - H [i!", U a.Q m t.'JO!:t1 ::I.u 0 1lIr--i lO>< So 0 i~.
'" " H h{lJ ,,- " Po 0<( e.u 1Il-.-IPZE-tCl o nl 'H W Ill..c:: -rllf-4l-1
S ... " '" 0 H" s:1.c:OH 0<( >< ~ tI1 H u 4-l l-I.u 0 j)., s!
. " 0 0 ~ "'0" '"" " "" Wl-!tno.u><~3:t'J 1H1lg~slllmo "0
"'0 " " H"'''' 0" '" " a .r:l;:lt:l J:QOE-i oZwm
.'" ... '"'"0 .. " "'''' -w 0 o.-l.r:l 4-l rr.. ::r: Il:: H.u ><8 O'tl 0 >< '" ".,< ~~
" . " " ~ '" " "'. " '" "''' >'1-I+lOH!'-<"O m ItlOlLl.url .""
Gkpo<( '" 0[1]", "' " Po ~~ l-I ;:l-r! tIJ:E 1 -rl.w I=l .u w I-.-I.u-W . ~
" Po . 0'" '" "' Wt:lQ~"d -~Q 1 r-l ~ Q)_;: ~ r;-~ ' '" 0
'" 0 0> '"!iHi H", " !il 'g 0 tn~ ~ ~!3 "0" .
8 :s j:Q-.-I- W ql.j.J l;l ~t'.~~ HH 11l tlJ-.-I.r:l'tl a nl-rl '" > ~~
~ fJl ..oM I 1-1 ~",!; Po "''" P~qj-~1ll~8~~ Ji:llLll1lE-imr-lm'C1 U>::lLlrl
. nl-IJ 0 m 0 a ~ :> " H HUtn H mm ::ii''<'" 0 a<
~ '" M 0(7-.-Ir-..:1:: "'".. O"'~"' '" "''' I ;:lU.u.r:l ><U U-..-l nl 0 tlJ III E ". . ~
~ tJltn r-IClJ HO "'m '" '"' H" I 1ll....;Q).j.J~ l:!:l i1i 0 ' .,< 0 s "" "
Cd ::Il-IOkcoE-J " "'"'" PlC\E-tr:a ~ t!lH O.uW 0 ~Ii'lZ w I=l tJI\..i m or! OlIDJJ1-I ~~
k! OnlNlllr-..~ I :J~~ r-IOlI1l QHtIl ~rlOe.uMr.ilUH t'J tn 0 t:l III :>..>:: H"" 8~
c:l:EcoUO\:E ~ H "';:j'"'P oZ nl......UHr.r: .<!: nl-.-I-..-l E.u l-I OlnlOa
Oot "'.. 1il00Ul 0 r:aO .. ~ "'" . .u.u;:ll-! >.W ~r-l~.u . 0
o 00 ~ OJ ~ ::r: UlJ..lfJll1l'tlE-i 0 t'J tn U III to. Wr-l '0 o .~
fr... . ." "'''''' ::r:E-tr::C ~~~r::C OO..-lUW><lE-iZO \2i l:l nll1ll=l Ars:1 t:l '" " o -
. . 0" ~ '" 0 O'l-tf3~tl~~tIlE-i H-rl SOOOW r:a.ut:lr-l ~o
0' " ",u ~6; E-<Ul'ilE-< r.r:~ H Hr-l W U H r-l t9 l-I 0..0 l!! ~
" .\j ..,< Hr::CClH E-t~ ga4-l I -.-I tIlHf;: r:a Ill~ 1Il Ptm r::C 0-.-1 I\l 00
C,)~ " t!~ 3:Pil(3~';.<!:~O> 0'" O'-<"'~i50 u.llllltl-,.j'lj -.-I\o-l l';"'''0 ~"
~ ~ '" ~><a~m~ ::r: !3t:l.u.r::WIll ::I . " " .
~~ u~
0" "' "'''' ><UE-tIi.Or:a~E-iH ::I .u.w.Q.uo "',," ~g
..'" ",,"' "'~"''''1i:>Po''''' 111 W lO III I'illidl.l o OE-t nl.uH >< OlOkl1l
0 '" . " ~ OH Po 0" ill [1]'" ~t:~~-~1:l~Q~ U U~t:~..c:: W ~mOl-l .0
0 S ... " " O~ "~ """ " '" ~ "'. g",
0 . 0 " . " O"'~O " '01Hs:1~GE-to<C E-t.u -.-I U - m "'.0 ~~
~~ '" " " " " 0" UH>< up.<!:pIi:1 '" i'; ". "::i"' H-rl >.m W-r! W-r! .0 I=l-.-I'tl
. ... ~ '" ,",'d ~ mUD OGOOl r::C lLl tnHIl:: P, A'tI m.u W.Q U l> '" 0 0 >--"
" " 0 0 "~"'''~'''''" E-t1ll.r:lltlnl~Oo..><l 5menl'tl~'''l'd . 0 . .
~! ... "".. 0 " " 0 D r:a 0:: ~ tIll-l.u ~ Ii1 tll-l'tl'l-ls:1gr::C Z llI-rl "
'" Po ~ Po '"' " >< ClIilOft.Of<.. ~&e"g~g;~.. omlH'tI
~ ~ ~ "' 0 NO::H><H~H r.r: l-l~l! a-.-IZ . H J..l-.-I W
.,< " 0 " '""'" ~ E l-Illl..-IutE-t= E-i 0-.-1
..0.-< "' 0 HI<C:E-I< . . mO.u.--lU\2i E-t ~llll:l.um><mtn 6"""
U .0. " "" .u4-l.wwOIi'l S e lLl 1-1 l-I-.-l J:: "''''''
r-It'J-..-l " " o nl m t'J. ::l rl l-l Q}.jJ .Q-r! H".
'" .-< " "'''' ~ nl ~'O 9 E; 0:: ~ ~ ~~Q}21~~.u~ "' "
"0 " " 00 Pll-ll-ll>
1J"'2l 0'" . g: >:.. "'o.oo~~..'" DO.r::IH::104-110 PlOOnl
"m" E-t.u'tlItlU fi'!QQ Uu.unll=luoe ~4-I4-I.r::
,.,.;1_,<-, -~'-"
"
.
,
I
~
'"
~
o
o
:l'
'"
."
"'"
./.Jlllll-lQl
,,"Orl
J.l 0 III . l-l
ml-llUtIJ .wO
...clP,J.l .u.r-l
+J IllUl>=llll+J
'd "d ~ ::! S:; I::l
'd III I!-lO Q)
w b1 W I!-l E ::l S
.w rn ..c::-,...j III 0 >-
llltn.uJ.-l :>'lll
e JJ III (IJ P.
-r-lJ....qL,q..c:lJ...l
J.lOOl1.l-\..lW'O
III S H tJ1 (1)
Q) 4-l W ~ Q I-l
Q) ..c: W 0-.-1
.~'5] J.l erl &
.j.J4-I::!WQ}
.iJ1!-l I=l 0 O.c: k
H 0 0 O.u
" 0 0
I W .jJIl-lQJ.c
Ir-lOIUQlIJJ.l
lIlT-I'd a:I
~CIl':>'r-l .~"lil ~
dO t:3~~qJ ~~ g~~
'>it l/.q..lJ.lnh-! $:I
.PI ~ril4-l111 0 III >,cv
4-!"'lH-r-lEIll r-l.-lr-l
... f'1l !-l-rl Qlr-IJJ
~ .Im ~ ~1!fl'i ~1!
o I:lOOOO l-lU :<.u
fr~~ 1118:li-If:.:l Q) tn
't-f1< III 0 O;:l W I::l
O ,..H..r:l lI-I m 6-.-1
~ P:; 0 III Q) Q) 4-I..-l.(.J
U~~g.Q_~..Q~.ug
,," ~t1.I 'd.u::l :>..u
'o!oo' to J_lr--j 0 0 Q) .G .c:
'OIlo""Ti! 1t!::I1::l:>'.c III 0
af H..c:O J.l U
~!.gj.u~~BlLl~W
t/} lV'd k..Q
OO-Wr-l..w::l.u
O ~ 0 ltl Q} III >::: U;::Ir-l
~ PI 'd...cl 0 III 0 rl
~ 0 -o-i m 0 -,-I
~ ~f-<+J W.IJ ./J'd:>:
S. CIl m.Q 0 W I::l
~ e~ Q) z.o'd.,-j c:
<I> ~;::~ tllrl~I!-l.~
~ P:; l-l ;:j-r-l,..., llJ :>'./-1
< r<:C nj o,.c:-.-I III III U
BJ [ijOlUJ.l$cI::lSltl
"
~
~
~
J
~
"
o
:l'
~
"'H~ H ..
S MillO
~o ~:2.lJ
I::l~ ~~~
"..-l Z U III
-E ~?; ~ ~ III
'rlf-<~D.r:l'd
~o QlllJ::l
f-<Ol mill
.=lr:qgfgU()J
~flP.Q E:d
'l-l .r:.J 'Ill
lllClr--:;;::w:>,
't:lZoQ'Unf
H 'U 111 P.
m><CI'\rilE
...clF:!:r--1Il ID
.wo.m Q)OU
NlJ:.orn
m:>< U E
J-U.I\ H+J
g Q) ~ ~ ~
~ $ >'.~.t1HIl E'E
Pi "lll: m.u riI m 0
i.....~IEO{lH'.tJ
&l;:.t!=:H~@~
~omp:dI:e!=:
;..;. _~>;-,., U U >.-0
~o~: :5 ~ ~ ~ ~
"" '" " 0
. Co 0 ,., ,
U ~S wgJS@-a
.., 3l~~!a~~~
'Oil l:o!il '0 Ii'l Ji:1 ()
Ctr~Q w...:!~Il.'t1
tf~.g}'fj~~~.~
E-i E-i::EQ'I-I
Il-l >-t .,-1
,... ~'" OO"~"
y l:o~ E-ill.o l--!
~ gtl~Ii'lIi'l:::'~
s -<(p~
~ ~~""(ii~..i
~ ....... E-i-E-i P:: U
lO~~~g5EElJl
<::r:......Il.:E:E-iU
II
.
-"1'_."
" ~
- _ 1'~,~
"
o
o
n
"''''
" "
O.t::-,.,
.,.,.tJm
,,~oo
" 0
"~O
o " 0
p-'Nl-ll"l
l--!rclll.a
Orl N
UIl..tJ<:jt
"rl
ill " 0
"'-rl" ,.
rcl ro >.Z
"''' "
.tJ s:: P, ~
H::I O.
00 rl
::E;r:.....rcl
0'"
E-!W./J1l-l
~S::.tJ::I
;EO-<(a:l
o
o
-rl
"
"
"
o
~
8
o
..
N
..
rl
00 M
"'''''M
roa::ll,:j1.D
'" M
{J:< ~ I
Hoa"""
.ga:l.-lC'\l
~ ,,~
-'" ,
I;-lOIl-lO
~ '::10
;ZIl.IIlCO
'"
'"
Il
'"
'"'
"'
11
"00
om
"'.
0"
0'"
'"''''
,,"
o
o
"
"
z
Co
~
15
u
o
Co
g
"
o
~
Z
.
o
.2
'"
o
rl
"
OO+JW'O
"'"'0
Oltfl.tJal
, -M
'1-1 H H m .
4-l lU b'lQl
.,., H./J !=: S
Ql::lll-l',-I..-l
.clOtll.cl.w
00 '" .
>..,-1>'-
ro't.l.tJt:s::
j:l H H ro
.\-llll<ll;:j
ro o.ll-l.tJ
.cl >.0 ro
.tJ.tJHN
H P,::I H
QlW OQl
N PoIlU >.'t.I
.,-I0.cl c:
.-I l-I.u '0 W
roP, S::.-I
o ""
H '0,,-1 W
o ""'
't1 tnw 0.tJ
.-I III >>.
::itn.,-I >.
0.tJ.-I1l),Q
"'" >
mOOO'O
S.wSlll
" 0"
o III Ql H \04
:>-I.cl::l ro
.us::o.u
I 'r-!.lJ m
''''''
OS::.lJ1l)
!iI O-r-!.Q
'"' "" 0 "
-<(-r-! m'O
oo.c1 ::I ~.-I
01 0 rcl::i
m k >..-1 0
o 0
"'"'" "
t:ll;3;H 01
H 0 ~ D1
'" ill"
Ji:1 H ..-1.,.,
lJ:l::t.lJ11l0l
m O-r-! U,l I:l
'" 0
r:... :>,Olr-l
o '0 P-.-~ Ql
s::::t'l-l.Q
E-iQlU'I-I
U u.,-I \04
Ii'l.-lOl-llll
r:r..rl lll.cl
r:r...,-I O.cl.w
Ji:1~.wmo
o
o
-rl
"
o
"
'"
"
-rl
, ..
0"
rlO
rl"
0"
"'ill
n
o
",00
"-rl
"'
"'"
"
-rl'"
-"0
"
"0
"
"'''
""'"
"0
rl",
""
"
"''''
00
'"
.
"'"
0"
"'''
"
o~
o
"'M
"-
"
,.
OCo
"'"
"H
0,"
oCo
""
O-rl
"'
""
O-rl
,. ,
ill
" "'
.-l '.lJ.-l H
::1\04+1 mOl
I1lQl.Q>..u'O
Il-l'OQltllOi=lS::
III s:: '0 p,.lJ III 0
'OQl rl.rl
rl III 0 III .u
III tfI.w.cl III U
.c::OJtll ./J.cltll
.w.cl b'lQl ./J
./J./JU'l-l .-l
<Il k i=l 0 ~!If
H ~ 0 III m tn
5~s"fl~~~
-,., OJ Wt:l
~i5:S11~__t
s::z -w tlla III
OJ P-.-I"l.u.
o Ol-W <Il ...... m:>.
'O-r-! III m rl ./J
.dkO.-l>-tOH
;:.t.u Ql rl ;:.t E-i./-l W
o .-.! Il-l P:: P,
>.-'1-1 Ql >.- Hmo
4-log~~n5~~
HWm s::
./-l ;:.t i=l H'tl
I moo .-,., 0 OJ
1'O.w >dn,.q./-l tn
.u.jJ.jJ1ll
E-i <Il 1Jl'd ):l-r-! m tn
...:!.cl.u):l Ill) .jJ
D.u,.qIllS OlH
-<( 01 .-I 1ll.jJ 0
j1,'I-I'r-! >'rl'd'r-! S
Ii'l 0 H.-I rcl III
Q OJ./-l E JJ k
mllJ./JDl u;:.t
~~.~-~.~g~g.
E-iQ '0 i=l.u
Ql<ll>. ms::
Ji:1....... m S.--l III s:: 0
p::;a'rl S';:::'rl-r-! p,
PM U-,.,./-l ;::I
U......H C;OJO
wOJa;:.t.uQl
8:>-1:<;:.t S'tl k
08W'O Ol;:.t
ZP::; C.w'tllll
H 0'1:1',-1 III I=l 0
Oll:l+lW IllQl.--l
Qf-l H ill Pi+-' U
OJ W tn >=l 'W
P C;'O'1:I Ill.u-rl k
0,,,, c.,., tnc 0
~,.qQlm-iJ:::104-l
.jJ-iJS::l-Iom
!'J.+-..-l COO E rl a
H 3'..-l u e mlll-iJ
I ~ -
.
" '"
" . 0
01 .c:-..-l
m "'"
" m
OJ ./-l'rl
.--l.ulll.w
rlO "
-,., OJ H OJ
, ~ 00
.uOIllOH
O,.q P,+l III
" ,
"'".
>'OJS::Ob'l
III OJ'..-l'..-l III
S l-I '0 H tn
QlS::P,./-l
N-l lIS H
R~tl~g
IIll-iJIIS
l-I;:.to,w
l-I.u 0 .d
o ."
"0 "
>'O.c:IIS'I-I
" " 0
"" m
OJrl.jJ m
l?--trllll.u
;:l ro 0 s::
"" 00
" .
!If m'1:l IV
;:l .c: C H
00.u IIS-,-I
}-I./-l'tleng,
OJQJQlOJ
I S'O QJ l-I
I O...-lll-l
"'> "
Ii'l omOJ
t!J H l-l ~ ,.q
-<(;::lP,?--t./-l
(!}O QlO
f-l >. ~ ~
0:: .jJ!-IQ)
~ ~.~ 3:5
""'''
r:r.. m Ill.u
O>:lOJ m
!If tJ'l'tl,..i:l
Z!-IIISC-W
O./-l mIlS
H " '"
E-iHl-lUl>:l
o..OOQl!lf
5.--l E ~w
oo.--rwrnr--l
00 W,.q,..i:l m
f<llOl.uOIll
Co
5
H
'"
'"
'"
Co
'"
"0
(iiCo
,",z
"'0
OH
",Co
"
gJ~
CoCo
'"
"'Z
",H
o
"
~~
""Il
0",
Co'"'
'"'"
U
"'0
z::!
H
""'
CoO
"''''
OPo
0"
Co~
~!i!
'" .
",",Co
""0'"
2::lf'j
"'0
"''''
elob:!
"CoCo
'"''''"'
'"'0",
'" 0
"'Co
",,.
0'""
Co,,'"
~
z
o
11
H
Co
U
"
,.
~
[;!
H
'"
Co
~
~
,.
'"
"
'"
~
u
Co
~
"'
'"
"
'"
H
'"
Co
o
00
:i!
~
g
'"
~.:
~~
0'"
'"''''
.
.
rl 0,
r--l m .--I'd
rl mOl OJ..Q 0
...-l ~ OJ ~.c:: Ill-..-l
s: ./-l;>t.--l Ql JJ):l 10.1
mlll .-l? OQl
?,OJ s:: ~'I-I.--I OJ 0 to P,
./-l.c:: ...-l 1-I'r! lIS .u III
H.+J <Illll 0 H Ql ~
Q) ,.q tn-w ~?--t OJ '0 l-I -<(
p.4-l' +llll./-l H ro'O W Q
o H III OJ o..S::'O l-l
!-I Q) m ;::. lP'O Ql.......
P, l-l O1Ql lP 0.-1 ro.c:o
.;:IS::.-1:3;-iJ -iJl"1
di;go;BfJ~w1!1l0~
tnlll;:.tWS:: >.u lll~
m'OQWQ m rl'OE-!'
rn >. u (Il ..c1 >.-rl :::l c:: III
.u waIlS 0 ..Q-..-l.--l H OJ
H tn./J H OJ 0.-1 ::: U lr: OJ
o ltI;:.t P,l-I ..-1'1:1 s:: E-!'I-I
S tn..Q o-,-IIV.m...-l
.w .-1(j)Lrl)l--!OJ Will
IllH ~oj..c:Ul- HQla..c:~
;:: 0 00 tn.w ::l::l4-l Ol./-l >.
E-IE>'w oou r--l w
OJ.-1 >.-.u >.S:: III III s:: s:l
I W s:l oj 'r! ~ '..-l l-l
I ..c: l-I w P, P, ~ >.- >,,.q 0
.u 0 p ;:.t;::l >.Ill III -W.-iJ
Z .u.r! 0 Or-! s:: E-..-l.u
~~~ ~.u.a>'-~~.c: ~ ro
PO ..Q'tI OJ +l::l.w U.lJ >.
m III \04 en +I.jJ.rl.--l m
Q >,.w k k H s:: U Ill.c: ::l p,
Ii'l lIS.,., lll-..-l ~-,., ro ~ ro
~P,o'gg,g~m5'~~B
...:! o.u III W-..-l rn OJ -<( k'O
tl +I rl k W Ql 'U
~4-l ~ OJ Ql~'"g4-l .]1l ~
O'l-lm.c::.Qrl./-lwam.u'rl
j1,...-l U -iJ lIS l-I ~ O.--l ::l
H .--l::l ro >.. Q) t1'
tf.lQJHV.--l./-l.ulVaWl-IW
H,d::l H'rl U m S::m,d;:l H
tf.lOQ./-lro H(/}o.lJO
P::l >.'I-IOJ Ql 0 W
C> (ll III Q}!-I.u'O Ql::1.Q
<.dm.q.--ll-lm.uOJ~O
C!.i +l H .--l Ql lit QJ 0 >..w
E-l Ql >...-/::: III () 0
c:: >.4-1 U:3: tn Ql >< ;:l'l-l >=I
0..0 Q} s:: .u~.--I OJ OH
:;e 1>-tQ};::1a1-rl,.Q >.. r-I
~~Hg.g.:51l~~.u .;;:1
~~~_~ ~m~g:5~.BS:
S::.-l::lQlOro om;::l
!'J.+QlWOJOOJHQl'l-lEOO
H..Q.--l'O >.4-.1 P,H'..-l m u >,
000
"~
O"H
zoCo
,.
Po '"
H,;ffi
:J!~11
'"
z"'~
00
H,"
Co-Co
H
'" ,'"
OCo'"
"',",0
1i'l~::E
~",Co
",f'j!'J
"
"''''Po
0l0l'"
CoCo"
~i::18
,,8,.
'"
"''''''
00'"
Co,""
'" U
~~O~
Co'
"', ~
~~"11
" ",.
Co H
'" "''''
ou "
::E:0~8
'"9'"@
~fIl~5
n~~
",Co
OIi'lOZ
E-<t:lZH
.
'"
rl
rl
. "
o .
g]
" "
.
""~
"'"
"
om
"'~
om
"
. "
.
0"'
OO"
rlO
"
rl
"'rl
. "
"",
" "
0"
'"
o .
00
rl.:ij
.rl
"'''
Co""
'rl
, "
""
OO-rl
"'0
HC
"-rl
'" "
"'Po
'"
"''''
-rl
"'''.
"'''''''
ffiSF
,",0"
",0
"',,"
'"
p ~~
0"'''
'"
~
i~
0",
'"'
~gJ
"'Co
o
"'"'
'"
~~
Z"
H'"
~~
"H
"Co
"''''
"'Z
"H
"Co
H
"'to
000
oj
z
"''''
bigJ
HCo
><0
h
'"'"
'"0
Co
".
COZOO
"'HE-<
IU
0"'0
Co,""
.
o
"
00
o
f<
'"
~
~
g
,.
~
H
'"'
'"
'"
~
'"
00
Z
'"
"'
'"
,,-
'"
"''''
gjll
Co'"
0'"'
~~
Co,.
"''''
'"
",z
000
"H
Co
OU
Co"
j
,.
u
Co
I
'"
~
'"
"
'"
Po
'"
'"
Co
'"
'"
~
"'
"'
m
'"'
u
13
H
Co
U
~
o
'"
'"
'"
'"
'"
00
o
Co
,;;
n
o
"
o
o
"
-rl
'"
.
.
0'" C
l-lQl .,-1
::I-,.,m 4-.1
Q) l-I Ill'l-l.u,..i:l-rl
> O::l 0-'" s:: +I
III +I Q ~r-I U W H m
.c: .cr-lQ}UIDEOlll
+l m;:.t <Il P,W4-l
::I'O..c: W -iJ'tl l-l m l--l >=l
Os:: tn t: 0 0 -rl.lJ a
?-.ro.,., o.w I:::'l-I Ol::l 11J-..-l
l-I Q) III tJ'm.u
'1-1'0 0 w..c: Ql OJ -..-l
Hom.u,.q.u.rlOJl-Il-IOl
-,-I.c:: .w +I.--l W 0
! H./-l 0. m 'm H!:: P,
,OJ ;:l tnOJ..c: l"Jl w.~
0.. W t: Cl./-l ..c: ltl QJ
M > OJ'..-l l-I...-l Ul.-iJ S E
~~.m.~~.m:::~ 0 OJ ffi
00 Q .jJ P,U'l:l1l-l >...c:
.--I OJ...-lS::.wOJ
m........--l>.>.l-I.ul-lllS ..c:
" 0-'" s::.a OJ U W !=l-iJ
>o.r<1.ulll .rlQl.dlJ1-..-l
e;......1ll .wg~ sU,l.~.wB
&l~5!1fOHgJ.l~3OJ
::xl c:: :>. OJ'O 0 +I 0 rn: OJ
OOH.--l Ul 4-.14-l ltl
lJ:l ~!If:>' QJ.u.o H QJ tn
OE-<S::Ulltl.wm+lW"C!./J
~OJ~Qls~g-~P,l-l~
~:5]:5 5 >'<d'tlS5 S
H :>-I s:: >=l Ql >.H
P::;S::OJ+l roltl.u'tl ;:.t
Ill...-l > s:: U s:l tn 0
.c:IllQl .mUlQlIllS:::>-'
8+l,.q;::.OJ::!OJC -M
S ~ m ~ ~ 'd.~ g ~ ~ ~ ~
i::!: lJ1p'U,l U'OU 0 Q)
r:r.. ./-l s:l ~ lQ >=l .w.w
Ii'l.--l-,-I'O m III ~ III QJ mr-l
p ;:.t'tl !:: ~ ;:.t >../-l.--l . Ql ::l
roOJm'l-l'OQlm Qll-lIIS
li'l'l-lOJ 'I-l !:: 0 Ql rn 'H
lr: W () .tJ'..-l.u I-! U,.q Ill.--l 11l
E-I'l:l O.--l H OJ 0 .u tnr-l '0
H:::llll III +ll-I .w-,.,
Ji:1 QJ o..ltl..c: p../J Ql >. H :3; H
g.c: 1l-l(1) ro.r::..a 0 OJ
..jJ OJ OJ d --iJ_ E QJ >
H'OWQlIllOlJ1 uw
'0::1 .c::..c:.-l pQl-..-lC;
o QJ m q),uJJ..Q'O.,..j,.qu
E-< H o..c: !If !=l.u.u 0 '0
;:l.-l./JQl-iJs:lIll-..-l S::ro
!:-<uu l-IS::O HH .r::
lr: OJ<IlO;::lOlOJ:3QlIll
Cl +I l-I l-l'l-l 0 Ill.--l 'd -,., ;:.t
HOO;::lOJSOJIllCS::.t::O
c:: s:: 4-.1 u..a III H m'rl ;:.t.jJ :>-,
-~
-rl
.
.
.
rl
"
rl
n"
rl
o
. "
m 0
" "
"''''
o
~I
~~
-t:~
o~
,,~
~:02
z.
.Q~
~.Q
"'.'!!
~&l
~ -
.;
o~
"'.
g~
. ~
.
" .
~~
o.
~~
8"
'-' .
. 5
~~
~ 0
""
~8
o.
u~
gg
~~
~~
~"
.
"
i~
~o
~$
,,~
o~
,,~
~:02
z ~
~=<:
,.Q
~.g
~"'-
~~
"'~
.
g~
. ~
.
" .
~~
H
~<i"
8 .
o
. .9
o~
0"
~e.
00
""
o .
,,~
"",
~r
g~
~~
"
"
... I.. ...
o
o
o
N
.Jl
. C
.g .-
lill
-"
.s .~
"
c.
.'-
...r1i
]~
'Il"
" .
.S .s
.2a"S
~ e
~LI
O,s .
=t;<ll
00"
Q{ij!
t:.g ~
~ ~ <ll
,s<S
c
],;;
-'"
8'-
." Ii
6'"
Ciioti
~]
o e
:;J<S
.~ E
.!a~
Fili
.~
N
~
~
'"
&1
"
~~
~;;3o~
~2~S
~ L" rT1 lZl
OZ-O
ZO~....:l.
~~@~
t)~~~
<~O~
<~
~
;;
1;;
"
<
es
"
~
...
.g
o
.0
~
f-o'
-'"
"u
gj~ .
Uzo
ti5~.ij
ZO:<
::>f-o
zt;:z
0",-
Uf-<5
~<o
'oU
E~.s
,. 3
f-o"'~
",0_
"''''Ii
z"a
~c5 jf
e ~ J::
s~~
.0: ~
-eEl
J!,.
.,,3
o u ~
"Zo
~i:1i..g
~Oo
"'<z
~o.~
'~~..s
0..J
.'"
0'"
f-05
o
u
."
=..s e
'E\il'1;;
~ 0 .5
.ilS '€
8 ::l'~
00_
c
.< [g ~
0"
.!31il Q
]~ .
!i !;;
8fil8
.1::l G)~
:e]2
;: oo~
o ,
s= ::
~ u :
8.g~
.~z]
. .
i!:a ~
o~ 0
d.g<~
~s8~
..e.s ! d:
'"'d......- 00
lii<ll~r-
"
.0"
~ 1;;.0_
.lJ",~r-
-g~:lj\il
.0
o ,-
. " . .
~8~ o~
r= e; ~r
o .
..'"
'';jj
,a"
",.p
5 u 5
1il,.e.'i
g.8 'S
~E 0
" o.~
.:0 .
..",
~ 0
",.011
:::t ~o
~ S -; .
~ ~~ t.
"Ii ,~
o c.o:g III
'jj < .-;;
E .~!i'g
.s'O ~tl:l
o 1J 0
.- =: Q
.- "
i.uo &;>,.e.
. ".
-.....I;;,l.e
~UE
Q~5:6
all)-allS
.- ~.
-oo"
.55 Q
:lu 0
a 1I).s
~~ ~
.2 <ll ~
'0"'0
:z.~ -a
.~ S. >.
'" 0 .
. E-< g e
e 6
2'>-
~ [:1. ~
0( 0::0
ilil ~~ ~~
d~~~~o~i
"!'1tJ~~ 0",
:l"::> 0 ~~
u8~>~::l..~
~0~>l6~.!30:
!2~<"'tl~~~
g./j~~8~2l
<!i~<:ie; !l':g]lil
::;u<?;:S~..J<A
;:'j~~u~"'i!J<
~i\1@l~~~~8
006<~0"'~
~I~~"'~~~
~ uEilgoo>-...:l
~ ~~~gj~2l
~~~~u~~~
z::><~g; ~u
"'i!:i.f-o..J;;;':5",::>
z,","'..Jl>.~ '"
96:~z"~~
UUQrau:l~~.<
<i<oz~e3[3:~ .
e;0~;SBo8",<i
~~~~~;Sl~!5
~~8~~~~~~
:-' '1
"P .
. <
~ "
0 ~ ~~
0 ~ .2
r ~~ t " "
~ " ~ 0'
~ :.j ~ ~ ,5 '" ~t:a -Q
00 .. '"
w o (fl I ." a " ~ '- --
~ ~ d; ~ ,.: yfll
~ ~
< w ~ ,,; '"
z !i' ~ o.
0 "- w " ~ ~ ~ ~
" ~ g z '" 0; I
iii ~ 0 .. I .!l
~ ~ ~ ~ '" '"
~ 00 " ~ ~
" 0 ~
'" u ~ >
~ S -
~ ~ 5 - t
~ " S
. is ~ ~ ~ ~ .
... " ~ ~,- ~ oS e-
o ~ !S ~ ;::: .;. ~ . ~
S ~ ~ (l ~~~ 0 'S '" ~
~ Ei ~
~ " ~ ~ . .!r ,5 ~ ,5
" .. !;! ~ ~ ili ~, , ~ ~ ~ ,!:; .5 ~
'" " ~ ~ ~ ~~~ ~ '" ~
... ~ ~ (5
--- -
~ 'll
" ~ ..
" 0
00 .;
" 0 .
, '" C
0
, J!
;S ,cl
f 00 . ~ '"
~ " ~ . '"
0 ~ "
r::> 0 0 0 .~
0 " ~ z 0" ~
0 < . go
I~ 0 > z ffi ~ ~~ '" ,
> ~ ffi 0 I
< 0 0 00 \i
r r 0 0
~ < 0 ~ " ~ ~
" N 5
0 0 0 " '~I ~
!~ w 0 0 0 ~ ! "'
z . 00 0 :;l LO! "
! ~ ~ d ~ d l
!~ ~ ~ l)! Bi "~i 8 !::
~ ~ g ~ ~ ~ g
!~ ii: N
" ~ ;(
! ::: g , . i
-- ~ 0 ~
: '" " I " ~ ~
~ ~ ~ . .
!"S is ~ .s.~ ~ '" ~ ~ '~ ... E ~
0 " ~ .. ,I ~ ~ '" . l tj
!'" <S " g " " ~ ij . ~ ~
,~ ~ ~ " t ~.g " ;: ~ . " il a 8 5 .. ~
,,- ~ " :!l ~ ~ ~ . ~ " e ,;; ~ eo '" H 5 ~ l
I~ - ~ ~ is ~ ::::5. tl ~ ~ .. ~ - ~ .. l;
. 8 ~ ~~ :: . !;! ill '" .:;
'" :.j "" j; " " '" ...
~"""I"<l!I1"""""='"""" "''''''~'-'' '.' ,~ I , . ....'
.~ ,..,
><
"
z
p
o
"
'"
p
o
><
"
Z
H
..
'"
..
..
~()~
" 0
~><:tJ
~Q~
t9~e
Zg:;:;s:
~.:c;2
g] u
z
p
o
"
"
H
"
..
'"
"
'"
..
"
p
..
Z
o
"
't _' . , ~,
~
~.~
~CZlO~
UO~
E=:E-;~
~~~3
0:: .E=: g ~
t)~~~
<~~~
. E-;
~.
o
o
o
'"
N
m
~
U
'"
Q
;;
..
Q
<
~
~
".
~
~
.~
o
u
Ii
~
.';!
l>
.~ ~
U ~
eUloiiO~
.~r:~!f :!
UJ'" Q\XI
9'5;:~i;'
i!~ 'M:i~
O-l1l~/.L.
l!
5
u
. ~
~n ;'!
.$ g ;J;
=UJ8~~
~!~~~
~o<~~
jj::J:o...'Il:
g~.g:i~
In-W':!......
~. -,~, -
.!l
d
~
,.,
L
=:'a_
~nn:!o
~<~::::
01"':1
r~i~ ~
~~IL:.::!.. z
.!l
~ ~
u ii !:!.
u~ ,
>.Ul 0 ~
IB:fJ~~
.~~:;;~;
~lUo.:lQ*
.aN.g:!~
~~l1J1el1,
t
..
~
o
B
.E
u =
.. ~
= !:'
~!~
mUJ",,:a
8-ee7
HP
a",.f"
~;:;i:tt
o
~
'"
'"
~
u
u
oS
"
.~
>
~.~
~~2
. U~~
~]' .;~
,.,..~
~o.Sr::
~~!E
.,
"
.
~
.
.c
~
~
=
'" ~
.2 e ~
~ r--oo....
~ -_t-
l;.q1..d~R
....SO'Mr::
~U),!!.;!i;;-
~~~!:~
>-gaC/.L.
!f
l
:ll
.~
.,;
f 2
" ~
~ - ~
. y <:cl:::l
Eh...c.a.....
U ~ f!l~i::
"''''jl::lH
g=~f"~
-e~ -<
::lZ en.;
.ll
~
f- '
-'"
~~ .
Uzo
"''''.
"'-
:10:<
"f-
~~~
o"'~
Uf-!i
~<o
~QU
Egj.)l
;OOf-,s
.. --
f-~o ~
"'1l
~S
~C5 5'
So
"~ 0
o~~
.0: ~
'Q)t:s
,~?> ..s
CIS >-._
o U ~
ec~8
:< ,-
t1J~~
E t:::l.~
-- ~;;
L.,
.'"
0'"
f-5
o
U
l>
.C
i
.. ~
.~...~ ~
:J::!!~ ....
".d!j<::\:!
~lac.~;::
UU a-lf"
j;~g[;
C\u_~
::::loCll.O
~
~
.
o
."
~
1iJ
3
~
o
~
U ;?; ~
~ r:: N
.,11- ::I
~~;:iQ~
nfa~
b. f"~
8~ E.::
.-=,8
.s"
. .
-]- S
~ . .
.g 0..:8
g].~
C"B 5::
".;
a:a "
. . .
>.""
~.P]
= r;. 0
~ S'il '
:::: ~E=i b
d ~ai ~
.~< ~";j
." '"
t:~ ~J3
<E g ;;.,. =
:a~.S~
COCJ i)'.,e.
.!a....sG:l
'i!'iitj-::
" . "-
t:CJ~G:l
O""'id;i3
o..G:l~CIS
,5 S a
~~d
,- 0 8
tluo
0.-
~~ ~
.15 III ~
o . 0
Z.~.a
.22fl ;:.,.
~ . .
. ~ ~ e
. .
",0
.~ >-
~
o
.u
IS
"'
..
"
..
"
j
!
.~
Is ~
~r:; -I
iQ ""::~~
.. ~f"
~ .;:/;::
o.J ..8~""
i~il!:~
~N:i!Cn.;
.!i
.~
lll..
l~~ :l'
e~~ ~
ilg~t;~
~II~~.
m;;J ..,.".
uo. (t:1:;t
~~ Ei::
~ ~. <!
0( Cl 8
.~til ~~ tilf;l
'<'" "';:; .'"
"'@~g\iJ~o~~
~gjtl<!< 08
:I'~"'Zo.o~'"
u8~~~.o"'<
~o~t-Jz~eJ@
~~<t;8~~u
O'5ffii?iol;;~
~<<a.~Os.l~
,;;~oo g:"'til
:Jlu<!i:S~.o~Q
S::J~U!"'o<
"'''''''m "'<8
2Jm~~ a:~9
.gjOi8;:S';;!~~~
o <ool7);5~<
~ C)~o..:>c...::l
~ ~o~~ffi2J
Q"'O~<l~O;;l
<<z ~"o::<
~~~.o~~~~
882J~ffi~;.;.~
~~!o~~@~~<
go s~~1il~~
ZSOl< :<80
:l~8~~~~~~
.
o
."
~
1iJ
3
4!
'll
:1
8 S't"-
8--!:: ~
t!~~~
.15~~!:
c.il:::l\?
~-Bf""
u:a:!E~
'"'
'"
11
..
~
~
g
~
..
m
~
l
.ll
~
~.
..
<
.1
..
I
'"
.~
I
.
00
t!
01: " ."
><
E-<
Z
P
o
U
...
H
"
'"
'"
U
'"
'"
'"
p
'"
Z
o
U
~
.~
o
U
o
fl
<:
e.
~! ~
gU)...._~
U ODO~
o;e~~ ~
.J:~.2'1:!
':\l~~~
~~.g:!~
O!:!I1l~li.
li
"
u
o ~
9! ;!:
~ --;.
'0 ~
~j~~~
I-'O<:;l:e
"'::C.l1o~*
Jlo .-"
g~.!::!:<
ttl!:::ltl~li.
oS
~
3
-'
L
"il_
~,....
>-0
<:~-
-~
>a<'?
h:;;~
.-~'"
~gli.':!.
o
.s
li
3H
.t;.u:lo ~
.:l-"~
a~:2:f:;
~gj~:e
ti:I1lD.oDO'IIo
.- .~"
csN.O::!:<
....~I.u~1:..
"
~
..
'"
,-~
i:
z
p
o
u
"
t
'"
~
.! ~
'" ~
~!~~
~u:lc..DO
6'l!f;l
1l'ii.~
~ i" ~.!,:
Ii:;::;;:n:.
'"
..
:<
'p
u
"
.s
.~
~."O
0....
~a!s
Sf!:;
"5<:~
rat;;.l101!!
i"-!l. ...,
'S.51j;
",-,~~
uo. j::'
UO _
u? t::.
~
~
~
~ ~ !
~ !::~:::!
t.J'U<DOE:'
'Cl!i""~;::
muoof'......
;:;o'"~;:;
~g~t.~
!f
J
.~
8.
! E i
. ~ <;q::J
~!~iliE
.Jm.6~t
5;IHiE:<
5:id!t~
"
".
'C
o.
~
f ~
. ...
-I:! ~
:!!.... '~
e.,!!::!!:~
Btj .,.,'"1
ljuff:j:13
M.c'"l-
g~g~
~!:lotr:.;
5
'S;
.:/
il
'5-
.
u
.l!
'a
~
o ..
U " ~
Ii E a
~I~~~
.e. .."" '"
~~i!::l'"
m:dES
8~d!tll,;
i:
z
p
o
I
i
;
1 _ .~.
~ 0 ~
~JO!~~!
~I.q",
:z: ~;;
~~,. [~
<5
'"
..
p
<:
"
.!i
"
.~
}"
~~s ~
G~~I;;!
~I~!;::.
~gi~~
i;j~!tu.
5
l
]j
.:i
.l!
~
.
:1
o ..
U O"t---
= ~ N
U~~~
.~rf~ ~
at> ~'"
a" "'~
0- -
u~ tr:.;
"'
'"
~
"I
...
..
~
s
~
"
~
~
:J!
j!
.
~
~
B'
~
8
.~
...
"
.
.~
'"
.~
1
.
...
t!
i " J.
NOTICE REQUIRED BY THE FAIR DEBT COLLECTION
PRACTICES ACT, (the Act) 15 U.S.C, SECTION 1601 AS AMENDED
1. This law firm may be deemed a "debt collector" under the Fair Debt Collection
Practices Act, Any and all information obtained during the prosecution of this lawsuit may be
used for the purpose of collecting the debt.
2, The amount of the debt is stated in paragraph 9 of the Complaint.
3, The Plaintiff as named in the Complaint is the creditor to whom the debt is
owed, or is servicing agent for the creditor to whom the debt is owed, The undersigned
attorney represents the interests of the Plaintiff.
4. The debt described in the Complaint, evidenced by the copy of the mortgage
note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor,
within thirty (30) days after the receipt of this notice, disputes in writing the validity of the
debt or some portion thereof,
5, If the debtor notifies the c;reditor's law firm in writing within thirty (30) days of
the receipt of this nqtice that the debt or any portion thereof is disputed, the creditor's law firm
will obtain a verification of the debt and a copy of the verification will be mailed to the debtor
by the creditor's law firm.
6, If the creditor named as Plaintiff in the Complaint is not the original creditor,
and if the debtor makes a written request to th~ creditor's law firm within the thirty (30) days
from the receipt of this notice, the name and address of the original creditor will be mailed to
the debtor by the creditor's law firm,
7. Written requests should be addressed to Spear & Hoffman, P,A., 1020 North
Kings Highway, Suite 210, Cherry Hill, NJ 08034.
~ " ~
. - -..
..,-, 'e- A.'_"
-'-.''''~- ,"'"
,-
~_~,' !lill'!l'Ulf~llIIIW~"al'lil!!l~"
"'- < - ',- ~ -
'-.'''"__': ,',,";" h""<,,,":;" -~ -".d'
~ .. ---""- '"-' -1i"-"""r-~-
.1. "' 't
() 0 C)
C -n
7l:
""() ':'_-,1 "',:"
lTi ;:'::7
;:- ;--'.:' " ,
Z , ~-] B
(Ii " G\';"
~' (-_~J
~~ ,,~ i
J> t;.:? ~,
Z 1'1
5> , ~~)
c--:
'7
::~~ :",,)
<~ G)
~ ~ ~ ~~
() ~ ~ D ~
~.o , 0 D
10 ~ .
~"' r ~
~j
:g
~i~
1l!'ii\1!:j\WUI';>;l$!1l"_<V:"l:"l"~1f'P"FM~1,';~it~",li'~X!~'!f,."...~''':,-ti':!'l!<w.;\~~''-'F~?,"i%~''''W''''!'i''ll'l~':'!'H$"~~IN''~-i.'~~fil(''~
<
# -,
SPEAR & HOFFMAN, P.A,
BY: BONNIE DAHL, ESQUIRE
ATTORNEY LD, NO. 79294
1020N, KINGS IDGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAlNTIFF
LOAN# 9788704
.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
P,O, BOX 840
BUFFALO, NY 14240-0840
PLAINTIFF,
vs,
DOUGLAS S, GRAHAM AND
MARGOT B. GRAHAM
820 GOBIN ST,
CARLISLE, PA 17013
DEFENDANTS
PRAECIPE FOR JUDGMENT FOR FAILURE
TO ANSWER AND ASSESSMENT OF DAMAGES
DOCKET 01-1728 CIVIL TERM
TO THE PROTHONOTARY:
Enter Judgment IN REM in the amount of$102,679,85 in favor of the Plaintiff and against the
defendant(s), jointly and severally, for failure to file an answer to Plaintiffs Complaint in Mortgage
Foreclosure within 20 days from service thereof and assess Plaintiffs damages as follows and calculated
as stated in the Complaint:
Principal of mortgage debt due and unpaid
futerest at 8.98% from AUGUST 23,2000
to JUNE 7, 2001
(288 days @ $24,87 per diem)
Accrued Late charges
Escrow Advances made by Plaintiff
Attorneys Fees (As stated in Complaint)
TOTAL AMOUNT DUE
A(YtJv(
BONNIE DAHL, ESQUIRE
Attorney for Plaintiff
$90,771.03
$7,162.56
$42.26
$1,104.00
$3,600.00
$102,679,85
AND NOW, judgment is entered in favor of the Plaintiff and against the Defendant(s) and
damages are assessed as above in the sum of $102,679,85
,~ "
."_. '0'",'>"'- o' - - .~_OJ ',' _., "_" .,_,,_ ~~<,-.,__~~,,,._~, 'W
- ,,,,,<-"-~, - ~~" > ,. ,.' ,~-
il'l
!~-~
"" ~
-.,
-'-t..
.",
"no
".,.,
-,- ~ ~-'
"-"-"0:,
l,',;h-_ n: "''''h',o",,,,,,,",,, ~~1'ltlijM'ntC:~1"rfirilil1t-'j-:'
"':-'V~""--'O
" ,~Iil!Ii\!II!l!!!-__~~_",""!'-_~
o
C
:;;::
~;b=-;
rnn-::
:-z:::q
z:r.;;
(J1 ",.,_,.
.::.(.~,
1:2~
:E;C)
~O
::>--c
7'
:<
".),nIU"!!IIlk
o
e
_'c'"
~
, >
.
.
~
-"
-'-,=-
't~l
- ~'J ~,:j
{~~!\ f~;i,
"~,9
':::t
""
:5l
'2
(,W
_, ~ _r~"'~'_~ .
, --,,"-~
, .
.
'.
SPEAR AND HOFFMAN, P.A,
'BY: BONNIE DAHL, ESQUIRE
ATTORNEY LD, NO, 79294
1020 NORTH KINGS HIGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
FAX (856) 755-1570
ATTORNEY FOR PLAINTIFF, LOAN NO. : 9788704
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER
WITH KEYSTONE FINANCIAL BANK, N ,A"
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.OI-1728
VS,
DOUGLAS S, GRAHAM AND MARGOT B.
GRAHAM
DEFENDANT(S)
NOTICE
To: DOUGLAS S, GRAHAM
820 GOBiN ST,
CARLISLE, PA 17013
0.. of NoUre +~
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS
NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OrnER IMPORTANT RIGHTS, YOU SHOULD TAKE THIS
NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD
ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET
HELP:
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, P A 171 03
(717) 249-3166
Ajl~
4(ONNIE DAHL, ESQUIRE
Attorney for Plaintiff
TillS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAIR DEBT
COLLECTION PRACTICES ACT. MY AND ALL INFORMATION OBTAINED DURING THE
PROSECUTION OF THIS LAWSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING
THE DEBT.
.-
"
I.' 'I _4_ --, - -I_I I.
~ "
~
. . " , ,~-
""
"";~~ "";',"o;.~"
,-,~,
~,_~~~~~.~<" ~~~~';!j~_I%/lIRii~~~~".......~~,.,..J;I!!i'~fI""I'/"1;f'=""~
'-';0;d"';~~i'l'[nS\l!1i(:lrllrr:j\'Tn~-1tlin"rr~rw'-~r"~r" ''It'', '~li~n
(")
c:.
-ofS_
mr'-~
z:r-!
zC
,!},,:;;:~
r;C-,'
4-
'7:Ci
?'C'
~~
...~
:2.
c
~
c::.
--.~
4~
..
C)
-on
.-
/:$
~':'_;~I:?,
1_, ,'n
;:~~,r(l
L)
--\
)'",
:2.
--
~7;~
.~~...
?
{,~
"-f"'-J',~,:;,''-Y:'' l""(~;"~~0';;r""i='i""i-"1,J}>;<'m"";-;~"J,~",IK'F,"':,j-("li\"r<'!"'1'!;'1nll%"rn<;i_~"l;j~[!';~';
'.SPEAR AND HOFFMAN, P,A,
. BY: BONNIE DAHL, ESQUIRE
ATTORNEY I,D, NO, 79294
1020 NORTH KINGS HIGHWAY
SUITE 210
CHERRY IDLL, NEW JERSEY 08034
(856) 755-1560
FAX (856) 755-1570
ATTORNEY FOR PLAINTIFF, LOAN NO, : 9788704
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER
WITH KEYSTONE FINANCIAL BANK, N ,A"
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO,OH728
vs,
DOUGLAS S. GRAHAM AND MARGOT B.
GRAHAM
DEFENDANT(S)
NOTICE
To: MARGOT B, GRAHAM
820 GOBIN ST.
CARLISLE, PA 17013
Date of Notice:
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN DAYS 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 TIDS
NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD
ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET
HELP:
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17103
(717) 249-3166
A,f~
BONNIE DAHL, ESQUIRE
Attorney for Plaintiff
TIDS LAW FIRM MAY BE DEEMED A "DEBT COLLECTOR" UNDER THE FAIR DEBT
COLLECTION PRACTICES ACT. ANY AND ALL INFORMATION OBTAINED DURING THE
PROSECUTION OF THIS LAWSUIT MAY BE USED FOR THE PURPOSE OF COLLECTING
THE DEBT.
,-'" '.
-~ ~, .'
'-I~= "1
1\,'"
-,'~' "~"~'~'; ;,-
:f\lQI
.' '.",.,",.,,', ,,' 'm'~I i1.Tju~"~'11Ililml'lnIIT T' ~ilI"tiu'h'
o
c:
-~
~"
-or):.;
~'f',"
. "
~'i"[,'
""1'.,.
~,,:,,,
::,:::L,-,
~C!
~(;
",,0
""C
-z
~
o
<.;;:
(>
::e:
,
-
, -'
.....-
;,p::~
';i(?,
';1.<.")
-,<~ f"n
~d
$;0
:;.,;:
:r"'"
::;r:
9
("J
Ili!I!iIi!
[;fIT ,~~"~~~~~~~,:~1!ill'W'4~~~_!';>ro)P''''',",f'!"'''''{,-J',c",;".,-,'';V':"'''1i'~~;i=C''''''f''-';''''~'Wr>fl,,",H!>1~~,l'ifI'j,,!r~r.'l'mR'&.'W'''il'''Wf''''F:''-lf'1~!f''''
.'!-;i~g4-t
.
. SPEAR & HOFFMAN, P,A,
, BY: BONNIE DAHL, ESQUIRE
ATTORNEY I.D, NO. 79294
1020 NORTH KINGS HIGHWAY
SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
FAX (856) 755-1570
ATTORNEY FOR PLAINTIFF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER
WITH KEYSTONE FINANCIAL BANK, N,A"
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 01-1728
vs,
DOUGLAS S, GRAHAM AND MARGOT B.
GRAHAM
DEFENDANTS
CERTKFICATION OF
MAILING NOTICE PURSUANT
TO RULE 237,1
The undersigned hereby certifies that a Written Notice of Intention to file a Praecipe for the Entry
of Default Judgment was mailed to Defendant(s) and to his, her or their attorney of record, if any, after
the default occurred and at least ten (10) days prior to the date of the filing of the Praecipe for the Entry
of Judgment. A true and correct copy of each Notice is attached hereto, sent as stated,
D,,", # I
BY:
SPEAR & HOFFMAN, P.A,
~jJ~
B6'NNIE DAHL, ESQUIRE
Attorney for Plaintiff
~"'-"~--'''--'~ .~-~ ---....~~,~._'". ~~~-,-,~,,---<"~,~~ -.<< ~~.,-
". ~~
- -~."
113
"'
'I,
.' "~ ^ ,-",-
-'--",'.'-,
'0' "
-,'
.,.~ "', ,-
.~~
" -, .." -"_''''''r..~-,'' c,'" "
\_"~.-
--pp,~--
~"d,<;[!II"'" [']
. .l1rr'li~1fi'UN
''''--':'d-;{;l~
0 0 ()
C ..n
:g: '- .~--
'oce c
p~[',::, :;'? -
r--
Z"L ;:.l
Z-C ;'(~j~,
'2. :~~
~ c
/ :r.~
~Q --:;;'"
~
-
jiU 9
.c ,A
~7 - ;?
::z (,;> a
,'W.1.,
.m1!l"\~~..",.,..~""
N_9~'";
SPEAR & HOFFMAN, P.A.
13Y: BONNIE DAHL, ESQUIRE
ATTORNEY!.D, NO. 79294
1020 N, KINGS IDGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLATINTffF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N,A"
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTffF,
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
NO. 01-1728 CIVIL TERM
vs,
DOUGLAS S, GRAHAM AND
MARGOT B. GRAHAM
DEFENDANT(S)
CERTIFICA'fION OF ADDRESS
I hereby certify that the correct address of the judgment creditor (plaintiff) is:
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR
IN TINTEREST TO FARMERS TRUST COMPANY
P,O, BOX 840
BUFFALO, NY 14240-0840
and that the last known addressees) of the judgment debtor (Defendant (s)) is (are):
DOUGLAS S, GRAHAM AND MARGOT B. GRAHAM
820 GOBIN ST,
CARLISLE, PA 17013
BY:
, .>>, ,,,",,,,,=,,->_')"_"'_,",_,,,_,_,~;'PY"'<:,?,,,,~.,,o,,,o,_~,,"'''_Io''Jp,_ _'_~'~_""__ _,. __ ""0"',' ,.._ _',,,,_ __,.-_ __~_ _ .,__ "<_
lit!
:~-,
-" ",
""",,",'" ,"",-,,,,,' "'nlilJilIJlIll ".
'~",',
, -~,'
~i~_""",~>~~'!l<]~
n j""ITJlT''''''r
0 CJ ~
C
~~ L- --~
-0 (0 S
IT) q-; ,~. ,-
z~ -~:_:~
~~:~: ()
~ 0 ,y "Il
:0
""0 ::1: () C)
Z ,I -;7
0 S' ..,.....rl1
5i" ,
'C '::~
Z ~~
~ (,;I ';:<
~'!(l__,
c,!1'!'!'~1!I!"~__.
J.. 4m,~~"'~ ;,;lUft,~.
SPEAR & HOFFMAN, P,A,
BY: BONNlE DAHL, ESQUIRE
ATTORNEY J.D, NO, 79294
1020 N, KINGS HIGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTIFF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CIVIL DMSION
CUMBERLAND COUNTY
NO, 01-1728 CIVIL TERM
vs.
DOUGLAS S, GRAHAM AND
MARGOT B. GRAHAM
DEFENDANT(S)
CERTIFICATE OF SERVICE
We, Spear and Hoffman, P ,A" Attorney for the Plaintiff, hereby certify that we have served by
first class mail, postage prepaid, true and correct copies of the attached papers upon the following
person(s) or their attorney of record:
DOUGLAS S, GRAHAM AND MARGOT B. GRAHAM
820 GOBIN ST,
CARLISLE, PA 17013
Date mailed: ~ 'D bl
SPEAR & HOFFMAN, P,A.
Bti;ili~/;}t
BY:
. ,",", ,__\?_,,",,o_~ _",_""~_~,, .'?c-"~""\'>'~ ,'''/''>_c~_,'''"'''I'''''('_~'' ."#- ',,,~,,__, ,""'> ~;_ _ ,,_',',1 _I
po, __"". ., - ,-''''I"."
~" ~- - ,",~ " -,~ - " -. ~ ,
,,.
M
I..,
,-"
,~ ,<
- ~_""'."_,"ru<",,' """
~-,
-." -< ,--~-~
- ~~-~~
~_. 11...
11'"
(") C) 0
C -n
~ , ..,
-OCG (:: "\ ;.::.:~
rnfl- ~~""
""'~
:2::::1:; - st
Th~;: -
1;;;:0 ?~ '"
)>:CJ ~ r}J;~
~-;-,t. J
Z,-') ~ .;<rT\
J:>C ':;l,
~ - 55
{oW ::<:
,n, ~_~
~"~~
__.,,~M~
,,"~~1!JI1pr~-~1'
,_ ,,' _' ll!~l.
"c"<_t
"
SPEAR & HOFFMAN, P.A.
'BY: BONNIE DAHL, ESQUIRE
ATTORNEY I,D, NO, 79294
1020N, KINGS HIGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTIFF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAlNTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO, 01-1728 CIVIL TERM
vs,
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANT(S)
AFFIDAVIT OF NON-MILITARY SERVICE
BONNIE DAHL, ESQUIRE, being duly sworn according to law, deposes and says that he is
attorney for Plaintiff in the above-captioned matter, that he makes this Affidavit on Plaintiffs behalf, and
that the statements in this Mfidavit are true to the best of his knowledge, information and belief,
Defendant, DOUGLAS S, GRAHAM AND MARGOT B. GRAHAM, is over 21 years of age.
His last employment is unknown,
Defendant is not in the military service of the United States as contemplated by the Soldiers' and
Sailors' Civil Relief Act, as amended.
This Affidavit is made in connection with the judgment upon a note and mortgage secured upon
""_"'" ]00'.'" 820 GOBlN ST., CARI1SLE, PAB:013.//r, ,/~
SWORN TO AND STlIl,sCRIBED
BEFORE ME THIS 7'
DAYOFJJne ,20U1,
BONNIE DAHL, ESQUIRE
June 7, 2001
-, e . "._ ~,Y'-r-'_"E!:F,- ,,., .,...," ";_~_<""._ " __~',"'I_"",. _ ,."".",,,,,,, ",,__ _.,~ .~_ _'_ _ '__" ,;_',..t
,.~,~.~,~,-~
.,
l'i4
iW'31
,-
.- "~
^1
-
-
-'-,- ",.
, -, -~,,"-~. --' -
'__'","_"~-'<"'-U.""
""',,,,;..~ .x'~, "i"-"
,_~'_~I
~~
-""ruilillillili'.'liTt
i _ r~rt'rlrri"'i::"IT'il
'.
,
0 ~" C~
~.'
c::
s* <-
-0 OJ c:
D1 r;\ :.~ -:r.:;
:z .",' .,,"
';2C \..:;
'!1.i - -:' ))
,
~t.; "
:l:'-""' ___~---r,
.-tV
:B'G , ':::,~
",- , ,- C)
J;g C2 <:'5 ;--'1
-"
-z 5S
=< w -<
~'""""
_ ~t!!!,~T":'_-" I!II!l!!I
_",d~~
. , - ,'-'-'" ,~.
.,....,.,.""JJ;!
.'
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
LAWRENCE E. WELKER
Prothonotary
TO: DOUGLAS S, GRAHAM
820 GOBIN ST.
CARLISLE, P A 17013
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO, 01-1728 CIVIL TERM
vs,
DOUGLAS S, GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
Judgment has been entered against you in the above proceeding as indicated below:
~ Judgment by Default
D Money Judgment
D Judgment for Possession
D Judgment on Award of Arbitration
D Judgment on Verdict
D Judgment on Court Findings
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY BONNIE DAHL. ESOUIRE at this telephone number: (856) 755-1560
"-. "-~",, "->;"fr\""''''>~''','J'''''''"_~'" ,;>,"c,:~"",,_ -, "'c'.",,' .,;-,,, .'~JI',_,~ ,~_","{;" ,-,,__ c,"',_". '.' ,_~'" =1"_
'.1'""'-,- ,-">
, "on ';-.,,'
> ,,~",~,~, e, .., ,_~ .,
-
~
,~^
''',
.
,."..,--
-,-.
.
"" ~,-'~ _" -' ,_" .,~ -""'~_,O'~ __""_ ".,"
'"illiillf"rrT'm'rtiIl'WSliIilCll i 11I~",iU' .'. ~"'lliJ"r
'.
0 c~ ()
c: .",1
~;: C- .--1
-oU) ,.--
:-=;;;
n-1P\ ~-
Z:J:.' ~J .-,
zr--
~~~E < l _"'~'
'<.:G :t'" ~~;:~ \f;
~O ::A: :t~:;,?~\
--0 s:?
;PC --I
~ ~:;
(,j ::t
. - '-" ~" ,
,_ _"....t,~J,~ ~~~~_".__'''__.~~
"-~
.'.
.
OFflCEOFTHEPROTHONOTARY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
LAWRENCE E. WELKER
Prothonotary
TO: MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE,PA 17013
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N,A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 01-1728 CIVIL TERM
vs.
DOUGLAS S, GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
NOTICE
Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a
Judgment has been entered against you in the above proceeding as indicated below:
X Judgment by Default
D Money Judgment
D Judgment for Possession
D Judgment on Award of Arbitration
D Judgment on Verdict
D Judgment on Court Findings
IF YOU HAVE ANY QUESTIONS CONCERNING TillS NOTICE, PLEASE CALL:
ATTORNEY BONNIE DAHL. ESOUIRE at this telephone number: (856) 755-1560
'~'?"'f,",r", ,-_,P"~-, .-",",.,,' " . '-1"""7'':'''=-,_'__''''1/, _ ^~~~~_" ..Ii'-"-' "",:,1.. ,,;,~ _~__ ,"_'0' _,,",_"_",_"~'~.'_'.""',;,"''''_,~' _ _,,_-"r'~._'''_
, "
')!l/
;.
C,__,_",_,
"
~, -
~" '-~-,
;; " ,.; ;he. ';'- "; '''''';''Trn;~;'''M
'IIIUr'lr''',''!'
t ?O (:J ~
Ii:- ~ -0 0 Cl
,- e
:~ "
"
F 8 -0' 5:=
mg; :-:.~
-,f_'_, :;i:': - -:~
z-:.J_J
r"-
-...... ~ cr;::r;- i-'~ 1
-<-;.' ?::':~~
...... r::;Sc-;
~ lU -V ;<~ ""
;roo
..J --:r r ZC) ~. ~,?;~
;pO
~ ;{) c S?
~ -(: Z
~ J :<: ?ii;
,,.,) -<
(l
if1J!
, ..
'. , ~"-
"',ce,
'-~'7f""'-'
~,_,,,}~h
",I.
'1""r>~1!lo"""--~' ~ r,
'~~"~
,,)llIJl,
~ .. ~ .,
.
SHERIFF'S RETURN - REGULAR
~'.,
"_
CASE NO: 2001-01728 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MANUFACTURERS & TRADERS TRUST
VS
GRAHAM DOUGLAS S ET AL
CPL. MICHAEL BARRICK
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
GRAHAM DOUGLAS S
the
DEFENDANT
, at 0008:53 HOURS, on the 5th day of April
, 2001
at 820 GOBIN STREET
CARLISLE, PA 17013
by handing to
MARGOT B. GRAHM
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
3.10
.00
10.00
.00
31.10
~~~~t:~t
R. Thomas Kline
Sworn and Subscribed to before
It.--
me this /1 - day of
D.r;1I :JArr; fA. D .
~O~~
P ~thonotary ,
04/06/2001
SPEAR & HOFFMAN
By'~~L2
eputy S rlff
"I, ' ,
SHERIFF'S RETURN - REGULAR
"
CASE NO: 2001-01728 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MANUFACTURERS & TRADERS TRUST
VS
GRAHAM DOUGLAS S ET AL
CPL. MICHAEL BARRICK
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
GRAHAM MARGOT B
the
DEFENDANT
, at 0008:53 HOURS, on the 5th day of April
, 2001
at 820 GOBIN STREET
CARLISLE, PA 17013
by handing to
MARGOT B. GRAHAM
a true and attested copy of COMPLAINT - MORT FORE
together with
NOTICE
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
So Ans~
~ . :~~~
R. Thomas Kline
me this
IJII?
day of
04/06/2001
SPEAR & HOFFMAN
BY~
Depu eriff
Sworn and Subscribed to before
D,..-i J..oo I A. D .
QJt' 0 Ju_PP__-, ~
honotary , 11
--!;~} ~-- ,.' "
"'I'
f j 11
. ,
.
~ ""'
I.
1
STATE OF PENNSYLVANIA,
COUNTY OF CUMBERLAND
} 55.
RobertP Ziegler
I, ______________________________________________________________________________llecoTdeTof
Deeds in and for said County and State do 'hereby certify that the Sherifrs Deed in which _____n_____n__
Manufacturers & Traders Trust Co .
--______________________~___________________________________________________________ ~ thegr.ontee
the same having been sold to said gr.ontee on the ________________n__________?}_J:___n__n______ day of
_____~~.P_t:.':~~.:!..__n_____________n___n A. D.,; 20_~~__, under and by virtue of a wriL___n__n___
Execution .
__n____~___n______n_n _ _______ __on _n _____ _ _ wuoo on the _ __JJ..t.!L____ ___ _________n________n
June
day of __________________________ A. D.,
Civil
--------------------- ------- --... n___ __________n ____ n__n__ ____ _nn_____ __ _____ Term, :
2001 .
__no' out of the Court of Cornman Pleas of said County as of
20_Q.L_
. 1728 .
Number ______n______, at the SUIt of .Mannfact.liX.er.ll_..s'i<_I..-'l.ci.!:!".ll__'!:rll.!'-L99...__~!!F_<:.~~~2E_!?.Y_!!:!:!iter wi th
Keystone Financial BAnk N A Successor in Interest to Farmers Trust Co
--------------7"------ ---- --- --- ---- againsL!?E>_u..&!~ ~__~_~_ !!~~.Ko_t;._~ __~:.~~~_~___ ____ ________ ___ is
duly recorded in Sherifrs Deed Book No. __l_':~__nn, Page __':~?L_____.
IN TESTIMONY WHEREOF, I have hereunto
set my hand and seal of said office this ___?:?:-____ day
of ---______he~____n_ A. D., ~ o.9-L
-~---@-~-~~~
-- of Deeds, Cumbertallll~. CIrIisfe, PA
My CUmIllil8iaft EIjlirea lilt Filii Mondi, 01 JIlI._
.
Manufacturers & Traders Trust Company
Successor by merger with Keystone
Financial Bank, N.A., Successor in
Interest to Fanners Trust Company
VS
Douglas S. Graham and
Margot B. Graham
In The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2001-1728 Civil Term
Bryan Ward, Deputy Sheriff, who being duly sworn according to law, states on
July 12,2001 at 6:14 o'clock P.M., EDST, he served a true copy of the within Real Estate
Writ, Notice, Poster and Description, in the above entitled action, upon one of the within
named defendants, to wit: Douglas S. Graham, by making known unto Margot B.
Graham, wife of defendant, at 820 Gobin Street, Carlisle, Cumberland County,
Pennsylvania 17013 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 du1y sworn according to law, states on
July 12,2001 at 6:14 o'clock P.M., EDST, he served a true copy of the within Real Estate
Writ, Notice, Poster and Description, in the above entitled action, upon one of the within
named defendants, to wit: Margot B. Graham, by making known unto Margot B. Graham,
at 820 Gobin Street, Carlisle, Cumberland County, Pennsylvania 17013 its contents, and
at the same time handing to her personally the said true and attested copy of the same.
Brian Barrick, Deputy Sheriff, who being du1y sworn according to law, states on
Ju1y 09, 2001 at 12:38 o'clock P.M., EDST, he posted a true copy of the within Real
Estate Writ, Notice, Poster and Description, in the above entitled action upon the property
of Douglas S. Graham and Margot B. Graham located at 820 Gobin Street, Carlisle,
Cumberland County, Pennsylvania, according to law.
R. Thomas Kline, Sheriff, who being du1y sworn according to law, states that he
served the ~bove Real Estate Writ, Notice, Poster and Description in the following
manner: The Sheriff mailed a pendency of the action to one of the within named
defendants, to wit: Douglas S. Graham, by regu1ar mail to his last known address of 820
Gobin Street, Carlisle, PA 17013. This letter was mailed under the date of July 13,2001
and never returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he
served the above Real Estate Writ, Notice, Poster and Description in the following
manner: The Sheriff mailed a pendency of the action to one of the within named
defendants, to wit: Margot B. Graham, by regu1ar mail to her last known address of 820
Gobin Street, Carlisle, PA 17013. This letter was mailed under the date ofJuly 13,2001
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 $80,000.00 to Attorney Jane Adams (for Attorney Bonnie Dahl) for
Manufacturers and Traders Trust. It being highest bid and best price received for the
same, Manufacturers and Traders Trust of One Fountain Plaza, 6th Floor, Buffalo, NY
;~'~
1'-- - "
, ,
- ~ ., ~~.. ~~ . ~.,.,-."..-"
14230, being the buyer in this execution, paid SheriffR. Thomas Kline the sum of
$2,584.88.
Sheriff's Costs:
Docketing $
Poundage
Posting Handbills
Advertising
Acknowledging Deed
Auctioneer
Law Library
Prothonotary
Mileage
Certified Mail
Levy
Surcharge
Law Journal
Patriot News
Share of Bills
Distribution of Proceeds
Sheriff's Deed
Sworn and subscribed to before me
30.00
1600.00
15.00
15.00
30.00
10.00
.50
1.00
3.25
1.75
15.00
30.00
302.60
253.62
25.66
25.00
~
$2,384.88 paid by attorney
10-05-01
So Answ~~ / ~
~~~~~.t(.?t?" 4
This 3/.,J day of ~ea........
2001, A.D. 2&; (2 ~~-
Proth n tary
".-..,.,~ ..,.,~,-, -""~ '. ','
, .
R. Thomas Kline, Sheriff
BY Q~~
Real Esta e Deputy
oJ:~
1'> r- - -
"J\)' VI
\ ~ 'J,\,\\'t
,1'
V
~_.,_ <. &"O~
",~'"
.
WRIT OF EXECUTION and/or ATTACHMENT
1
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO. 01-1728 CIVIL -mx TERM
CIVIL ACTION - LAW
TO THE SHERIFF OF Cumberland COUNTY:
To satisfy the debt. interest and costs due' Manufacturers & Traders Trust Canpany, Successor by
Merger with Keystone Financial Bank, N.A. SUccessor in Interest
LoFillM~rs T:mst CemaJ'llYl' PLAINTIFF(S)
from Douglas S. Graham and Margot B. Graham, 820 Gobin St., Carlisle, PA 17013
DEFENDANT(S)
(1) You are directed to levy upon the property 01 the defendant(s) and to sell See Leqa1 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 notny the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is/are enjoined from paying any
debt to or for the account of the defendant(s) and from delivering any property of the defendant(s) or otherwise disposing
thereof;
. (3) .... . If property oflhe delendant(s) nollevied upon an subjecllo attachment is lound in the posseSSion 01 anyone other
thali'll.named garnishee, you are directed to nomy him/herthat he/she has been added as a garnishee and is enjoined as above
stated.
%
LL
Due Prothy
Other Costs
$.50
Amount Due
Interest
Any's Comm
Atty Paid
Plaintiff Paid
$102,679.85
S1.00
S119.10
Date. June 11, 2001
Curtis R. Long
Prothonotary, Civil Division
a~o - 2.7?;/)/7-<'~~
Deputy
by;...
REQUESTING PARTY:
Name Bonnie Dahl, Esq.
Address: 1020 N. Kings Highway,' Suite 210
Cherry Hill, N.J. 08034
Attorney for.: Plaintiff
Telephone: 856-755-1560
Supreme Court 10 No, 79294
'-'f'"'l, ,_ _or '"
,.
-" i'
,.",...,.
~
- ~'''-
,
'"', -, ,:".'''~ ""''''''-~' '~:-"("'("~~f'_:;"-'i ~;' tf:'tl",-,. "':- ~-~"'~TI"~'Jl1'f"'_'~-':: ,,~'~~t;."'r ,-"'. '~",' ,w1l't;'it~
REAL ESTATE SALE No,5J
(....~
c;:;:a
~
l?
c;;. ,I
On j U-IU- I fl ;) DO 1 the snentt levied u~on the Oelenu.:wL
interest in the real property situated in {J~ lj'tJl(J44/~
()
Cumberland County, Pa., known and numbered as: f020 --!J(rt~Jiud
a~ and more fully described on Exhibit "A" filed with
this writ and by this reference incorporated herein.
/
Date: Iu-IU /~, 2DO( By:~ C/~~
() D-rpdfrt 4~
-, \ (,~lN]d
\""" '.iJ.'.'
\! r~ \ r \ ~, "l! ('I
-1 ~-; { , , ',"
\ U. lId LE t t.\ lI\1f
, , ,,"t.Hif\,O
Ut<il(;~3;~l1(; 3;)\;;lO
,!l1\!3H.
'.
""""""''''''''''''''''''~-
"""""~"~l_~'!'~~~~!$;;,,!<:",-f"""'I,,,-,1t"'!"~;";,>\,',q.,,.,-',
';-""-'"\'__;\~~~\i';ii'il!!;IW'~;"ff'",n",,~,w:"Hv,,wn"W:"f,1,f""~~i"'19""W!'~r~\,'
r'
SCHEDULE OF DISTRIBUTION
SALE NO. 51
Writ No. 2001-1728 Civil Term
Manufacturers & Traders Trust Co., Successor
By merger with Keystone Financial Bank, N.A.,
Successor in Interest to Farmers Trust Co.
VS
Douglas S. Graham and Margot B. Graham
Filed October 5, 2001
Date of Sale:
Buyer:
Bid Price:
September 05, 2001
Manufacturers and Traders Trust
$80,000.00
Real Debt
Interest
Attorney writ costs
$102,679.85
119.10
Total
$102,798.95
Distribution
Amount Collected
Legal Search
Sheriff's Costs
$2,584.88
200.00
2,384.88
So Answers:
~~.~~~~~
R. Thomas Kline, Sheriff
.''''f'j.~="-.,,
,-c. ,
-! I
,=-
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. 51
Held Wednesday, September 5, 2001
Date: September 5, 2001
TAXES: Receipts for all taxes for the year 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: BEING the same premises which John A. Karagiannis and Analia S. Karagiannis by
deed dated December 7, 1987 and recorded December 7, 1987 in the Office of the Recorder of
Deeds in and for Cumberland County at Carlisle, Pennsylvania in Deed Book "B," Volume 33,
Page 1006 granted and conveyed to Douglas S. Graham and Margot B. Graham, his wife.
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 of 60 feet wide Gobin Drive.
6. Conditions, easements and restrictions shown on or set forth on the Plan of Hamilton
Development recorded in Cumberland County Plan Book 12, Page 60.
7. Building and use conditions and restrictions as set forth in deed of Charles W. Anderson
and Edna B. Anderson recorded in Cumberland County Deed Book "0," Volume 13,
Page 466 as amended by agreement recorded in Miscellaneous Record Book 136, Page
373.
':ml
~, 'C." "f', e~_ '_,.,,,,",
I" ,--
, .
,
~ """'-
i
8. Mortgage in the amount of $102,000.00 given by Douglas S. Graham and Margot B.
Graham to Farmer's Trust Company dated December 17, 1993 recorded December 22,
1993 in Mortgage Book 1181. Page 467.
Complaint in Mortgage Foreclosure filed by Manufacturers and Traders Trust Company
as Plaintiff against Douglas S. Graham and Margot B. Graham as Defendants in the
Office of the Prothonatary of Cumberland County to file number 2001-1728. Default
judgment in the amount of $102,679.85 entered June 11,2001.
9. Complaint in ejectment filed by Manufacturers and Traders Trust Company as Plaintiff
against Douglas S. Graham and Margot B. Graham as Defendants in the Office of the
Prothonatary of Cumberland County on September 17,2001, to fIle number 2001-5422.
10. 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.
11. 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 environmentallieus in Federal District Court.
Robert G. Frey, Agent
Note: This Title Report shall not be valid or bi
until countersigned by an authorized signatory.
.~ . <:. '- -~ .,
I','
"".
- ~ "
,-.
1"
REAL ESTATE SALE NO. 51
Writ No. 2001-1728 Civil
Manufacturers & Traders
Trust Company, Successor
By Merger With Keystone
FJnanciai Bank. N.A.,
Successor In Interest
To Farmers TIust Company
vs.
Douglas S. Graham and
Margot B. Graham
Atty.: Bonnie Dahl
ALL that certain tract ofland with
the improvements thereon erected,
situate In the Fifth Ward of the Bor-
ough of Carlisle. Cumberland Coun-
ty, Pennsylvania. more particularly
bounded and descrtbed pursuant as
follows:
BEGINNING at a point on the
Northem Line of Gobin Street, which
point is westwardly 315.79 feet from
the Eastern boundary line of land
Hamilton Development: thence along
the Northern line of Gobin Street
by a curve to the left, having a ra-
dius of 403.62 feet in the center
line of saId street, Westwardly 80
feet to a point on line of land now or
fonnerly of Reisinger Brothers, Inc.;
thence by the latter land. North 20
degrees 47 minutes West, 122.65
(erroneously referred in Deed as
122.56) feet to a poInt on line of
land of Carlisle Fair Association;
thence by the latter land. North 70
degrees 41 minutes East, 87.43 feet
to line of land now or fonnerly of
Robert E. Wail and wife: thence by
said Wall land. South 17 degrees
16 minutes 14 seconds East,
127.43 feet to the Place of BEGiN-
NING.
BEING THE SAME PREMISES
which John A Karagiannis and Ana-
lia S. Karagiannis. husband and wife
by Deed dated December 7. 1987
and recorded December 7, 1987 in
the Recorder's Office in and for
Cumberland County, Pennsylvania
in Deed Book Volume B33, Page
1006, granted and conveyed unto
Douglas S. Graham and Margot B.
Graham, husband and wife, the
mortgagors herein.
5
'(
'''-'
_.
1<
, '
, ,
SPEAR & HOFFMAN, PA
BY: BONNIE DAHL, ESQUIRE
ATTORNEY LD. NO. 79294
1020 N. KINGS HIGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FORPLAINTWF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, NA,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTWF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 01-1728 CNIL TERM
vs.
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
AFFIDAVIT PURSUANT TO RULE 3129.1
MANUFACTURERS & TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, NA, SUCCESSOR IN INTEREST TO FARMERS TRUST
COMPANY, Plaintiff in the above action, by its attorney, BONNIE DAHL, ESQUIRE sets forth, as of
the date the Praecipe for the Writ of Execution was filed, the following information concerning the real
property located at 820 GOBIN ST., CARLISLE, PA 17013:
I. Name and address ofOwner(s) or Reputed Owner(s):
DOUGLAS S. GRAHAM AND MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE, PAl 70 13
2. Name and address of Defendant(s) in the judgment:
DOUGLAS S. GRAHAM AND MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE, P A 17013
3. Name and last known address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
MARGOT GRAHAM
820 GOBIN STREET
CARLISLE, PA 17013
4. Name and address of the last recorded holder of every mortgage of record:
MANUFACTURERS & TRADERS TRUST COMPANY,
SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL
BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY
P.O. BOX 840
BUFFALO, NY 14240-0840
{:i, " ~,' ~,~ ~
r"~
p, "
~-, ~..
_, 'T~
. '
. .
5. '. Name and address of every other person who ,has any record lien on the property:
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:
DARLENE L MOYER
CARLISLE BOROUGH TAX COLLECTOR
PO BOX 128
CARLISLE, PA 17013
DOMESTIC RELATIONS
P.O. BOX 320
13 N. HANOVER ST.
CARLISLE, P A 17013
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE - LIEN
BUREAU OF COMPLIANCE
DEPT. 280946
HARRISBURG, PA 17128-0946
ATTENTION: SUE BLOUGH
CUMBERLAND COUNTY
TAX CLAIM BUREAU
I COURTHOUSE SQUARE
CARLISLE, PA 17013
CAROLYN MCQUILLEN
TAX COLLECTOR
1044 PINE ROAD
CARLISLE,PA 17013
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:
TENANT(S)/OCCUP ANT(S)
820 GOBIN ST.
CARLISLE, PA 17013
I verity that the statements made in this affidavit are true and correct to the best of my personal
knowledge, information and belief. I understand that false statements herein are made subject to the
penalties of 18 Pa.C.S. 94904 relating to unsworn falsification to authorities.
SPEAR & HOFFMAN, P.A.
A~
rfONNIE DAHL, ESQUIRE
Attorney for Plaintiff
_,___~_..___c
. - -~ ,- ~ - ~
-- --, -"
- - ~,-- -,---
-- - ~ ---+ -
._--~--
" ~- .-" -, ...
.. - ~ - -
';'tTIf: J
p
,
!, . 1
=-,~,
F~ ~
SPEAR & HOFFMAN, P.A.
BY:'BONNIE DAHL, ESQUIRE
ATTORNEY ID. NO. 79294
1020 N. KINGS illGHW A Y, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTIFF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSORBY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.01-1728 CIVIL TERM
vs.
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
NOTICE OF SHERlFF'S SALE OF REAL PROPERTY
TO: MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE, PA 17013
Your house (real estate) at:
820 GOBIN ST., CARLISLE, PA 17013
is scheduled to be sold at Sheriff's Sale on SEPTEMBER 5, 200lat:
CUMBERLAND COUNTY COURTHOUSE
2ND FLOOR, COMMISSIONERS HEARING ROOM
1 COURTHOUSE SQUARE
CARLISLE, PA 17013-3387
at 10:00 a.m. to enforce the court judgment of $1 02,679 .850btained by MANUFACTURERS &
TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL
BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY against you.
NOTICE OF OWNER'S RlGHTS
YOU MAY BE ABLE TO PREVENT TillS SHERIFF'S SALE
To prevent this Sheriff's Sale you must tal(e immediate action:
1. The sale will be canceled if you pay to MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY the amount of the judgment plus
costs or the back payments, late charges, costs and reasonable attorney's fees due. To find out how much
you must pay, you may call: (856) 755-1560.
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.
'o\~_ ~ ,
" ~- -, " -
'"'.' , -" ,--~ - ,-
,
J ~ ,_,-
..
~ ~
3. You may be able to stop the sale through other legal proceedings.
,
You may need an attorney to assert yo~ right~. 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.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTIlER RIGHTS
EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
I. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (717)240-6390.
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 ifthis has happened, you may call (717)240-6390.
4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5 . You have a 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 no later thanOCTOBER 5,
2001. This schedule will state who will be receiving the 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 Sheriff within ten (10) days after the date of filing of said schedule.
7. You may also have other rights and defenses, or ways of getting your house back, if you
act immediately after the sale.
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE TIlE OFFICE LISTED
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY COURTHOUSE
I COURTHOUSE SQUARE
CARLISLE, PA 17103
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT TIDS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
--1i~' < ~ _._, ",,"_ ,_ _, ...
l' .-
_, T I'
n. ~ __
.
.-
.
ALL that certain tract of land with the improvements thereon erected, situate in the Fifth Ward of the
Borough of Carlisle, Cumberland County, Pennsylvania, more particularly bounded and described pursuant
as follows:
BEGINNING at a point on the Northern Line of Gobin Street, which point is westwardly 315.79 feet from
the Eastern boundary line ofland Hamilton Development; thence along the Northern line of Gobin Stree by
a curve to the left, having a radius of 403 .62 feet in the center line of said street, Westwardly 80 feet to a
point on line ofland now or formerly of Reisinger Brothers, Inc.; thence by the latter land, North 20 degrees
47 minutes West, 122.65 (erroneously referred in Deed as 122.56) feetto a point on line ofland of Carlisle
Fair Association; thence by the latterland, North 70 degrees 41 minutes East, 87.43 feetto line ofland now
or formerly of Robert E. Wall and wife; thence by said Wall land, South 17 degrees 16 minutes 14 seconds
East, 127.43 feet to the Place ofBEGJNNING.
BEING THE SAME PREMISES which John A. Karagiannis and Analia S. Karagiannis, husband and wife
by Deed dated December 7, 1987 and recorded December 7, 1987 in the Recorder's Office in and for
Cumberland County, Pennsylvania in Deed Book Volume B33, Page 1006, granted and conveyed unto
Douglas S. Graham and Margot B. Graham, husband and wife, the mortgagors herein.
'", 01 r- ,w_ ., _ '" _ _c' ", ~ ,." }, ~
,1--
-'r
r I ,
,-.
'REAL ESTATE SALE No. 51
Writ No. 2001-1728
CivilTerrn
. Mailufacturers & Traders
TruS:t Company, Successor
.. By Merger With
K-eys1;O!'}e Financial
e,.nk,.N.A.,.
'Su;cess:or In Interest To
farmers Trust" Company .
. '" V$
Dougle;s S. Grat,alll and
Margot B. Graham
Atty: 'a9"nie, Qahl '
DESCRIPTION
:ALL that c'cnain tract' 0( land with the
i1)lpro\'ement~' thereon c'r"C(::ted. sitU3te In the
Filth WJr f of the Borough of Carllf>lc,
Cumflo.:rll1 ~. C9!JnIY. Pe.tinsyl"ania, mon:
tiarticularr.r'15OO~dcd -and dl.'~riboo u.~
roJ.1.cw.,~~
BEGl.NNING ole ~. pOint' on'the ,Norrhern
Line of Oohin .$tree!. which point b
, weawardly 315.79 Ieet from thl' E,,!srem
houndary iillC, of ,ls(uf Haml.lfll!l
-:'''nevClopnl~nt; thence along ~tJe Northern
flut' of Gobin Street bv a curve to Ih~ Ie-ft.
, 'b,drfog 'a r:.zdju,~ of,M)J:6'2 feel in the center
)me I)f :-;<11; s.l.n:ct,:'Westw.ardly 80 fc~t to a
, point on line. of laod now' or fonnerly of
Rd:<;lngcf Brothl:'r~, Inc.; ~nce by the. Jallcr
f land, NQrth 10 'degrees 47 minutes: We~t,
1,~2.65 (er-~cou~ly referred in D<<d as
, J~56) fed 10 :.i point Dn linc of lund of
" Carlisle Fair A.,>-spdauoIl: thence by the
, lattc.r, [and, North 70 dcgrces '41 minut~s
~~ 87 A3 fed io line of land now or .
. foml'erly of Ro~n E. Wall and wife; thence
by i'4id 'NaB 'land, South 17 degrt>e... 16
minur~s 14 seconds Ea.<:.t, J17.43 feet to lhe
I Place of BEGINNING.
BEING Tf'E SAME PREM[Sr;S v.hich
J~1hn A. Karauiannis aile! Analia s..
, Kara'!;iannrs~osbil;nd and wife', by ~cd
: da(ed Decem0cr 7, 19!:{7 and recorded
O&:cmbcr 1', 1981 \n tht< RC(:ordcrs. Oftkc
'in, . and for O!mbl:':rland County,
Pcnnwlva:nia hi iXe4 Book \blumc 83),
P':Jge '1006. .granted 3nd cun~.\tyed unto
D<iugla." S.. GrJ,ham and Margot R Ol'ah:.ull.
hushan~ and wik.thc mdi1g<ig<m> 1k:rdn.
_'J
,
J.... "'...
.
.
.
THE PATRIOT NEWS
tHE SUNDAY PATRIOT NEWS
,
Proof of Publication
Under_Act No. 587, Approved May 16.1929
CommonweaKh 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 612 to 618
Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of I!lg
Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 616
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 31st 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 M7ellaneous Book "M",
Volume 14, Page 317. ~
PUBLICATION ................................... ..I.....
COpy e . ~.
S ALE #51
,
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA. 17013
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 $
252.12
1.50
253.62
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 acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have
been duly paid.
By....................................................................
-"''''-1
~, ,~
" ~I
=~
, .
I -,
~, , ,
-
.... .NIl'B saLE NQ. 51
Writ No. .i/001-1728 Civil
Manufacturers & Traders
Trust Company, successor
By Merger With Keystone
Financial Bank. N.A.,
Successor In Interest
To Farmers Trust Company
vs_
Douglas S_ Graham and
Margot B. Graham
At1;y.: Bonnie Dahl
ALL that certain tract of land. with
the improvements thereon erec~,
situate in the Fifth Ward of the ij0r-
ough of Carlisie, Cwnberland Coun-
1;y. Pennsylvarna. more particularly
bounded and described pursuant as
follows:
BEGINNING at a point on the
Northern Line of Gobin Street. wljlich
point is westwardly 315.79 feel from
the Eastern boundary line of land
Hamilton Development; thence along
the Northern line of Gobin Street
by a curve to the left, having a ra-
dius of 403.62 feet--rn the cehter
line of said street, WestwardlY 80
feet to a point on line of land no)\" or
formerly of Reisinger Brothers. Inc.;
thence by the latter land; North 20
degrees 47 minutes West, 122.65
(erroneously referred in Deed as
122.56) feet to a point on line of
land of Carlisle Fair Association;
thence by the latter land. North 70
degrees 41 minutes East, 87.43 feet
to line of land now or formerly of
Robert E. Wall and wife; thence by
said Wall land, South 17 degre,es
16 minutes 14 seconds East,
127.43 feet to the PlaGC of BEGIN-
NING.
BEING THE SAME PREMiSES
which John A. Karagiannis and Ana-
lia S_ Karaglannls, husband and wife
by Deed dated December 7. : 1987
and recorded December 7, 1~87 in
the Recorder's Office in add for
Cumberland County. Pennsylvahia
ih Deed Book Volume B33. ~ P~e
1006. granted and conveyed Iillto
Douglas S. Graham _d Maog~t B.
Graham. husband and wife.; the
mortgagors herein.
1-
'I ,,~!,,!,,!!"'I'rr~l1l'" ~r~1
"
--4 --!
.. -
.
'.
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 Cwnberland Law Journal, of the County
and State aforesaid, being dilly sworn, according to law, deposes and says that the Cwnberland
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 Cwnberland Law
Journal on the following dates,
VIZ:
JULY 20, 27, AUGUST 3, 2001
Affiant further deposes that he is authorized to verifY this statement by the Cwnberland
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.
SWORN TO AND SUBSCRIBED before me this
3 day of AUGUST. 2001
LOIS E. SNYDER, NoIaIy PublIc
CertlalellorQ, Cumbel1811d County
My COIlIMis8Iun ExpiIes Match 5, 2005
" -~,-~,...
1
'I
,.
~ ~. ,
-
, ....
...
- SPEAR & HOFFMAN, P.A.
BY: BONNIE DAHL, ESQUIRE
ATTORNEY !.D. NO. 79294
1020 N. KINGS illGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTIFF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.01-1728 CNIL TERM
vs.
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE, P A 17013
Your house (real estate) at:
820 GOBIN ST., CARLISLE, PA 17013
is scheduled to be sold at Sheriffs Sale on SEPTEMBER 5, 200 1 at:
CUMBERLAND COUNTY COURTHOUSE
2ND FLOOR, COMMISSIONERS HEARING ROOM
1 COURTHOUSE SQUARE
CARLISLE, PA 17013-3387
at 10:00 a.m. to enforce the court judgment of $1 02,679 .850btained by MANUFACTURERS &
TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL
BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY 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:
I. The sale will be canceled if you pay to MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY the amount of the judgment plus
costs or the back payments, late charges, costs and reasonable attorney's fees due. To find out how much
you must pay, you may call: (856) 755-1560.
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.
;-'-,""'''r- - ~> ~'c'- ',_~-, -,',-', ,.. '-, ,,_>_,,-" -. '-,.0-_";' '>~J'''<~k~ .."~"__IL~____ ~0_ ,_ ;~_
." I
- - ~~,~---
-, .",
- ,~
..
3.
You may 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.)
YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS
EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE.
1. If the Sheriff's Sale is not stopped, your property will be sold to the highest bidder. You
may find out the price bid by calling (717)240-6390.
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 fmd out if this has happened, you may call (717)240-6390.
4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have a 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 no later thanOCTOBER 5,
2001. This schedule will state who will be receiving the 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 Sheriff within ten (10) days after the date of filing of said schedule.
7. You may also have other rights and defenses, or ways of getting your house 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 COURTHOUSE
1 COURTHOUSE SQUARE
CARLISLE, PA 17103
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT TIDS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
;' - ~-' ~ ,', ,., ^. ;; -,' ,'-. ,~. _1. '" '_;' ;0"
"- 'I, f ""-",;<I=_'"~_ .,. . ,_.c>. I'
'., ,-<>0, ,_, ~. _ , ~,_"
.- ,
.~
ALL that certain tract of land with the improvements thereon erected, situate in the Fifth Ward of the
Borough of Carlisle, Cumberland County, Pennsylvania, more particularly bounded and described pursuant
as follows:
BEGINNING at a point on the Northern Line of Gobin Street, which point is westwardly 315.79 feet from
the Eastern boundary line ofland Hamilton Development; thence along the Northern line of Gobin Stree by
a curve to the left, having a radius of 403.62 feet in the center line of said street, Westwardly 80 feet to a
point on line ofland now or formerly of Reisinger Brothers, me.; thence by the latterland, North 20 degrees
47 minutes West, 122.65 (erroneously referred in Deed as 122.56) feet to a point on line of land of Carlisle
Fair Association; thence by the latter land, North 70 degrees 41 minutes East, 87.43 feet to line ofland now
or formerly of Robert E. Wall and wife; thence by said Wall land, South 17 degrees 16 minutes 14 seconds
East, 127.43 feet to the Place of BEGINNING.
BEING THE SAME PREMISES which John A. Karagiannis and Analia S. Karagiannis, husband and wife
by Deed dated December 7, 1987 and recorded December 7, 1987 in the Recorder's Office in and for
Cumberland County, Pennsylvania in Deed Book Volume B33, Page 1006, granted and conveyed unto
Douglas S. Graham and Margot B. Graham, husband and wife, the mortgagors herein.
^.~, -,.,~., ~~;-"< .'."". .-._' ,-" -"--""~" -^~._, ,_"_~,-I-,.~",~ _~ ~__ .. ,,",',Or, _ 't
_""~ ,"",,~ '~"n.
:i;~
GS"'
811
'-" ..
.,~~
"~
,_0
-,-,,'.~~ ~",-~-
"",,,,", , '''' "'101111I00 rin 1'[lI1fT Tin
"'-'~"- ~'*-.' .. ._.... . I Ul
._~ ,.'k
",""~~"",,,~-,.- - -~, ~._'
o
C;;
s:
-ute
rnCi'-j
Z;:x.:o_1
z'):
~z
~c
P(")
zC\
>c::
Z
::<
"' ~~", ,,",r-,-!I!!1IIIiIl!\~~
c~.
o
C)
~n
c_
c:::
~~,~
-"--',r
joT',
:1="'.
::G
SO
1,~~~ (~:;-
~,~ ~T\
~.,~(~)
S~iT:
,>
;~
~
-
"'ry'"~_ ~"l\I!II_.rIl~lIl,mi
...
-.
SPEAR & HOFFMAN, P.A.
BY: BONNIE DAHL, ESQUIRE
ATTORNEY I.D. NO. 79294
1020 N. KINGS HIGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTIFF
MANUF ACTIJRERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 01-1728 CIVIL TERM
vs.
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
CERTIFICATION
BONNIE DAHL, ESQUIRE, hereby verifies that she is the attorney for the Plaintiff in the above
captioned matter, and that the premises are not subject to the provisions of Act 91 because it is:
() an FHA mortgage
() non-owner occupied
() vacant
( X ) Act 91 procedures have been fulfilled
This certification is made subject to the penalties of 18 Pa.C.S. section 4904 relating to unsworn
falsification to authorities.
v,~
BONNIE DAHL, ESQUIRE
Attorney for Plaintiff
'-'",. ".1"=
"'-\"';"-'-"""-_"__i~'_"_ ."- -i~-'--- -'~", -~ .-.0'_"- ,,__ r'_"",_,~1 _"....,~_ "."
1'-1--
_. ~" ~. _ d _ ,_
~
~
0<" ,.~~" H '0'
~"-.. ..< _",-"-"_,_""",,w~, .~"'~ "'.~~-e'"
',' ..~',^". _'h'~'''_''''. ,_
1.1 Jj.
"rr''Iii~~
.~
.
() Q 0
C -r!
s: <- '"-"
'""Ocr~; <= .. 'Y;
mrn Z ;:::::-
z~'. ..
zc ~~1
OJ~..:
-<~-,
~ ~c; ;00
. :>" ::&:
z.- a
>8 ~
z -,.~
::<. .c- 'I1
"""
~~
i'I!I.,~,
..
---",. -"", ~,,, . ,-'
^" .o","~,~,,,,,,,o,_,q,,.,,.,..,--,, ..
_",~~~~.~.,.,,,....,~t~"''r'''.!,,,_'l:'l'',,,,,.,__
,..,~..
~~!
.'-
-- ~
I:
I',
i:
,.
!:
Spear & Hoffman, P.A.
BONNIE L. DAHL, ESQUIRE
Attorney LD. No. 79294
1020 N. Kings Highway, Suite 210
Cherry Hill, NJ. 08034
(856) 755-1560
Attorney for Plaintiff
MAN(JF ACTURERS & TRADERS TRUST COMPANY,
SUCCESSOR BY MERGER WITH KEYSTONE
FINANCIAL BANK, NA, SUCCESSOR IN INTEREST
TO FARMERS TRUST COMPANY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs.
DOCKET NO. 01-1728 CIVIL TERM
DOUGLAS S. GRAHAM AND MARGOT B. GRAHAM
Defendant
CERTIFICATION OF NOTICE TO LIENHOLDERS
PURSUANT TO PAR.C.P. 3129.2 (C) (2)
I, BONNIE L. DAHL, ESQUIRE, Attorney for Plaintiff, hereby certify that Notice of Sale was
served on all persons appearing on Plaintiff's Affidavit pursuant to PA R.C.P. 3129.1, by United States
mail, first class, postage prepaid, with Certificates of Mailing, the originals of which are attached as
Exhibit "A".
The undersigned understands that the statements herein are subject to the penalties provided by
18 P.S. Section 4904.
Respectfully submitted,
SPEAR & HOFFMAN, P.A.
BY:
/7nY~
BONNIE L. DAHL, ESQUIRE
. '-I --^ ': ,-, >'-':">'- '" '; ,- ~-,"-, . . f ,"-0 . "1-, . F.', ,-'-" , . ,'- . . -"I -'~
.. .. ,'-' --~, . .' .. T
'.,. "'.,..,..,.... ""..,..,. oil ~
~nf~l. ~
III r- ~ ~ 0
~1111 ~ ,,I ~
~\~~I.~<!: ::;
kt ~~~
~)".. .
:~"~. ,1*'"
~~~~~ am
~~ ~ wil-
e'"
~J~MJ ~i
~'O 8 t ~
E Qllij ] 0
I'll'lii '" QI 0
'Ul..g.g.s CIl u
~'E'6 \I) ~p::
~~~&a
~ ~
.... ~ ii
.E E>
1; 3
o . ~
:a g~~-;;
.;..~~~'~
's,1iE! ci~
o::E Ii 8 <l('::::'
ls."OtjCl.
o..oS
~S~2.5~
~ .~~ i :g ~
tlCI:OO :11"
" .
.~~~.~ ~
OC" l'll
OI~ a::i
~ e g:: QI
z~~~ $'
11l" - x l3
cr..$.Ew 0-
..0 DO
E
'0"
..
g:.W"CI "
';.; ~o~
iG g~o;
~a:e::oo :g
c ~
~
:1
.
o
"
o
S
"-
o ~
~ .
N "iii
(]) ~
:!::: lii
::::> oi
en Z
~ ~
~.J
c ..c C'Y
ctl Old!
E'- cxi1
ll=IO'
OUl~
I 01,,-
c _
-g~~
ctl .
...Z ~
ctlo ...
(])NI~
0.0 f;;
en~f,.J
...
".;
c.."
... c
.. ~..
e:!!cn
-;:-.,.~ ,
, ~ ,
~~
Wo
'0
'0
,"0
~~
/~., "~lQ
r~ iDSZ' ~
~1 7'n:;" ~
\'?, , ~.;;V
", ~:~.!../
'"
Do
~ ~~
iij ~ <(
.... ~ [L
<: h>
o
pl .~
- ;::
ctl ctl
::2: ()
c
E
..c I-
~ o/S
t9 :2:
....
.8
()
~
8
x
ctl
....1- ~
IDF- '--
>.0> ~
~e~::
.~O~ :;'-
--' x....
ID 0-
C~Ill!l?
ID VJ VJ
L:::fEoi:
t'lpa:~
u)
....
(])
>
o
e
ro
I
cZ'"
.Q LO;;
roT"""r--,.
-o~
IDC\J<(
0::",
,2 x [L
1?~(])
ID VJ
E ,=
o () ffi
Cl[L()
..:
::::>
III
E
'(\j
U
x
ro
ij~
~~~
~ ~ [L
ID ID
~c~
::::> <.: ro
()~()
....
o
t5
ID
o
()
x
ro
l-
e '"
,~, ~
::::> I""-
Oc ~
~gii:
dcD
e~ ~
8~8
'"
~
c 0
ro I""-
0. ~
=! c~ <(
8 [L
o. cD
- (")
ale .!!1
c' -
(])e ffi
I-c ()
~.!!l'iiinlC~
'r::: 9!.:::i~O It
E 1:: ''5,0 ttI
Jll ~ ; 0 -g UI
.~ ~ D..-5 I'll ~
E.=.ri'~-g.!
~g 1::::JO
.-l/ li. ~ m
~~.9l~~'~~
~ 8l~ ~]
Q) D..-a ~riii
. "'" ~@ (D'o
III 1: 'c!! i!:. dl
ECll~16~Q.
~ E.lj'2'o~
~il.5~~.
1/)"0 E~ 0 E
"i=m ;:Io'E~
L".~8.E.9
~ · E "'="
,0 ~ Gl &I,s E
~ ,nF" ~~
Jh .:1iSlo
CQl81d(J)O
"o~" .
~!5 ~ llfii ~
a:In:J~t')"Qj
'~~~'cm~lIi
~~~~"'.'O"
o o~.e
"D - t::~
'iilJ!!~~~_j'fii'
\5~UUi
!If'O E'i,l!
., 0 .~ il
ug'ft:$'iihl
~ ._ c~o
.l!lO;g~~tJi
II) 5SlO ~ "0 ~
~.- $a"=li"
~~.g'<:l!g ~
'OB'im1!-.5
co. iii.!!" 0
o 1ti Cll i1::i!! Q.
,,"g.oi~"_
~~'a..E ~ Iii III
TI-".~ "lD
dl~8:!9::;-~ k
"CI~ '0 III 8:..... 0
:;;~~~~li~ ..:
1! it'" ~ .. ~.5
l- Q.~ E is.. 0':
S
.~
~
...
,..
...
...
~
~
~
E
-\'
./
g
>.
.!l
~
<J.~
~:!i
<r--~
l) a:
\ ~
00 ~
~i
>
(])
0::
~~'::::~
ID .
Cl",~~
<(Q~~
~.~ ~
..c~"U ...
rn~;:)u "
~ P ~~5 d
cPV)~il -
g ~ ~ ii ~~ "
~ ~ ~ill \~
t) -. Qj ,'\
o.
1-0: '"
\J l
"
"
.ll
If
r:
...
..
C'l
E
of
.
~
.
0::...
'0-3 "'"
"0
..
n",
~.5"'
z1j
"-
- -. ~ - .n
.j,I,'~; ,.,0:'.' I ,,",,,,( ';'-,"'" , " '~('-' -"'~ ;".'",,- T
,1...7, I - ~.
~
FS
81/
f.~_r_'-"i'<-;o.~~ " - ~^ ~ -;. -7,
"-"
-,""
c,._
-~,~ .
~, =, .
'.c"_,"c'
-'. -'1_~_"_'_~,.;; c. :"
,,- ~
_ _.~~"C__N
,_ ~_ "-,-~_"'""~"__','Ad'''''''~~'> -
-,-"~ ""~< . I....
C)
~9 ~,
1f-<l> ,.-
TD vJ
-
f' ~. ~
--
(\ ~.)
it.
-0
0
--C
C]
L
iI IJ J
".r1Tf'f'
,
.
--
:.')
1:-'
~':':"~-'~,-"",-
_.~""_~ffl!!l*1~
-".-"T~....
~",,-
~,Qi~"q - "" ,
, , -~, - ,~
. .
~. ,~
~ II!Iiii.. ~~PEAR&HOFFMAN,P.A.
- n BY: BONNIE DAHL, ESQUIRE
ATTORNEYLD. NO. 79294
1020N. KINGS IDGHWAY, SillTE210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTIFF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTIFF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO. 01-1728 CIVIL TERM
vs.
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
AFFIDAVIT PURSUANT TO RULE 3129.1
MANUFACTURERS & TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST
COMPANY, Plaintiff in the above action, by its attorney, BONNIE DAHL, ESQUIRE sets forth, as of
the date the Praecipe for the Writ of Execution was filed, the following information concerning the real
property located at 820 GOBIN ST., CARLISLE, PA 17013:
'I
I
:1
;]
1.
Name and address ofOwner(s) or Reputed Owner(s):
-j
j
DOUGLAS S. GRAHAM AND MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE, PA 17013
2.
Name and address of Defendant(s) in the judgment:
DOUGLAS S. GRAHAM AND MARGOT B. GRAHAM
820 GOBIN ST.
CARLISLE, PA 17013
~
3. Name and last known address of every judgment creditor whose judgment is a record lien on the
real property to be sold:
MARGOT GRAHAM
820 GOBIN STREET
CARLISLE, PA 17013
4. Name and address of the last recorded holder of every mortgage of record:
MANUFACTURERS & TRADERS TRUST COMPANY,
SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL
BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY
P.O. BOX 840
BUFFALO, NY 14240-0840
-, .',)<" ."." "" - -~
, .<=<--,'->.-. "-"',""-, -"'1'_^"~"', ~,--- ",,,",,, "w,>,,,,,,, .,..,_." I"',.".,_,_~,~,," ",,-,,_",~. ,."" r:.".V """,, I'". __, . 0> '_' hi
..-"
~ '_h_ ~,_ "
-,. -
H"a 04 .."
5.
~...'-- .
Name and address of every other person who has any record lien on the property:
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:
DARLENE L. MOYER
CARLISLE BOROUGH TAX COLLECTOR
PO BOX 128
CARLISLE, PA 17013
DOMESTIC RELATIONS
P.O. BOX 320
13 N. HANOVER ST.
CARLISLE, PA 17013
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE - LIEN
BUREAU OF COMPLIANCE
DEPT. 280946
HARRISBURG, P A 17128-0946
ATTENTION: SUE BLOUGH
CUMBERLAND COUNTY
TAX CLAIM BUREAU
1 COURTHOUSE SQUARE
CARLISLE, PA 17013
CAROLYN MCQUILLEN
TAX COLLECTOR
1044 PINE ROAD
CARLISLE, P A 17013
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:
TENANT(S)/OCCUP ANT(S)
820 GOBIN ST.
CARLISLE, PA 17013
;;
>
I verify that the statements made in this affidavit are true and correct to the best of my personal
knowledge, information and belief. I understand that false statements herein are made subject to the
penalties of 18 Pa.C.S. g4904 relating to unsworn falsification to authorities,
SPEAR & HOFFMAN, PA
A fZdrL
lfONNlE DAHL, ESQUIRE
Attorney for Plaintiff
", " ,c;,.~.,," ;"~<'~,",>",,,~'___" -,< ~ __ ,~ "
'- -"1__ ~"V".--_'__"I_...,<,"._ '.,"R7,~.'. -,."....", . --'1--" r---,
,'--'--'-"~,~~-,=",,_.",-,,,," ."',"'-- ". . "-',' ;,.. ,
~,--'--.', -,
" ",
fil
._M"_
,'C,_'
~,,-' "
p
"-
0-',- ,_"
.,
"' <__ 'H'~ ". -,,-, "" __~_""",~. _ _
,'. :-_~A!l!l~L.~i~I:T Jr.I,':':'"
o
c
s::
-00:'
rTIrn
Z::::r:
m~;
-<--~"
\<C
"'C
Z(<
Pc:
2~
-;I
-,
,__,,,,,,,''''T~.,J)
m
. .
. ..,
...,~'."...
C)
~f~
c.
c:
::.t::
):1'"
::z;:
C>
'0',,:' ::1~;
~~~ f:~~:
()
s!
..0
=<
6
..
.:=-
~
eft
~. ,
".]l!IJ~.ll!I:~j
_~,1+i~~;:~t; }j~')j'-
~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
MANUFACTURERS & TRADERS
TRUST COMPANY, SUCCESSOR
BY MERGER WITH KEYSTONE
FINANCIAL BANK, N.A., SUCCESSOR
IN INTEREST TO FARMERS TRUST COMPANY
Confessed Judgment
( )
( )
Other
vs.
File No. 01-1728 CIVIL TERM
Amount Due $102.679.85
Interest
Atty's Conun
Costs
DOUGLAS S. GRAHAM AND MARGOT B. GRAHAM
TO THE PROTHONOTARY OF THE SAID COURT
The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract, or
account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding filed
pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 of 1974 as amended.
Issue writ of execution in the above matter to the Sheriff of CUMBERLAND County, for debt,
interest and costs upon the following described property of the defendant(s)
820 GOBIN ST.. CARLISLE. PA 17013
PRAECIPE FOR ATIACHMENT EXECUTION
Issue writ of attachment to the Sheriff of CUMBERLAND County, for debt, interest and costs, as
above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply
six copies of the description; supply four copies of lengthy personalty list)
and all other property of the defendant( s) in the possession, custody or control of the said garnishee( s).
(Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the
defendant( s) described in the attached exhibit. y?--. / /l / Il
DATE: June 7. 2001 Signature: L.:.......J:=, 6li~
Print Name: BONNIE DAHL. ESOUIRE
Address: 1020 N. Kings Highwav. Suite 210
Cherry Hill. N.r. 08034
Attorney for:
MANUFACTURERS & TRADERS
TRUST COMPANY. SUCCESSOR BY
MERGER WITH KEYSTONE
FINANCIAL BANK. N.A.. SUCCESSOR
IN INTEREST TO FARMERS TRUST
COMPANY
- '.- c''- ."=" ,"'.~""'''"_" c_" '<""",, ._~._ . .,~~ _",~_.. ,~"=,"_I.. '" _" _ ~. , "1; ,
L ,~ _ ~
-,..
!0:"9;;{;~::~f'j;~eiJ,~:~~
-
b:I
~i
t:I ~
tl1>
0 Z;o(1
q ~~~ (1
"" ~ ~ 0 ~z
0 0 ~
- ~ ,- s:- tl1~
0 ~ '< '" ~~'"
N "d '"
0 (1 ,.. ., "'><:Ro fS(1 ~
(1Z", ~. ~
~~ 0 Ro p. ~~ """'"" ~~
:I:~"d '" '" """"~ <:>
"" 00 -
tl1Ztl1 ~ ,
::I." ~~tl1 (1"" -
~~O~ ~ -.J
""0 ~~ N
f::':><:",Ro ~t:I ~ !,j "'Ij;o 00
~~~:I: (1 " l"'1 ~ < tl1~~ (1
-.J 00 0'5; D 0 ~~ ;n ~
;!;. ;0 ~ ~~
V>r~"'Ij " r '"
Y'~ ~ "d' " (1 ~ ~(1",
u::z>~ .,tl1 a.q ~~~ ~~ ~
gj:-<><: =,. '" ~ .,
0-.'8 "" "" "" = ....
0' , ::ll ... 0 "'b:l0 "'t'l
00"'"d ~z 0 ~~~
oS' "" ;$tl1
~""t'> b:I ~~
tl1 ~~~
N i ~
-
0 ~>'
. '"
, q
"'(1
q(1
(1tl1
(1",
tl1",
"'0
"';0
~
.
,
'~i
~" ,-~' ,-..,,~'P""" "-= ,_ -_~-,__~~"""~~,,, ",.,1__'" I"'__"i', '~_" ,__ ,~L..~ .'" __. '_~._,,'''''' .~ ,. ., - -,..,
~ -- ~-'- ,"
r' "
"
I
i
'--,..
- -" ~- ~-
0___'
, _n_~,
- ,.-,,"", ~,", -, "-" -"" > "" =-"~~ -. ","", -,',' 1"",.;;;u,;;':lej'~'\'}!i5~lfii::<K~-::?'%
< -.-,-''''"~ -'"-,,-,--~, "',,-, ',_..."'.....u
..
~ '- '-
\- ~ c '-
J '- ,
0 {)
>- ..:I' i::: J ~
a:; " (/l
is Z -E '- ~ ,
~.JC:J '2 is:'!; , r!J~ C....
:~t? ~~~, O~ ~~ [' ''6
- &
."" c).::> "
<5 r=~ '_;,.1 I ~ ......
.,' .-- I I r;)
flrc~ --';"'(j) I I
~~Z () , ~ ~ ;() () 1 I'll
i::i: ~~:' ~. ccz 8 \)
""- L1.JLU ()
-'-" .rJ) 0.. 0 .... ., ~
- -, :2' 0 i~ Ct
.... ~ 0- U
c', ::::> ~ 0-... ~
a () .... ....9 .....
" fY) ...... ~
"t:>j-
-
,
~~-~,~.~~~. >
_h_"_'""'~ _~-,-
" ~. _ _ ,r,_ ,,.,' -
",
rs
64
$",= .,..,...Y_":",.",:~~ ,
,'If'';_~,_
~
,1I\I!l~~J!l!I""!""""'~_,,,_
~-""'"
.
('"0 ....
SPEAR & HOFFMAN, P.A.
BY: BONNIE DAHL, ESQUIRE
ATTORNEY I.D. NO. 79294
1020N. KINGS HIGHWAY, SUITE 210
CHERRY HILL, NEW JERSEY 08034
(856) 755-1560
ATTORNEY FOR PLAINTWF
MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH
KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS
TRUST COMPANY
PLAINTWF,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
DOCKET NO.01-1728 CIVIL TERM
vs.
DOUGLAS S. GRAHAM AND
MARGOT B. GRAHAM
DEFENDANTS
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
TO: DOUGLAS S. GRAHAM
820 GOBIN ST.
CARLISLE, P A 17013
Your house (real estate) at:
820 GOBIN ST., CARLISLE, PA 17013
is scheduled to be sold at Sheriffs Sale on SEPTEMBER 5,2001 at:
CUMBERLAND COUNTY COURTHOUSE
2ND FLOOR, COMMISSIONERS HEARING ROOM
1 COURTHOUSE SQUARE
CARLISLE, PA 17013-3387
at 10:00 a.m. to enforce the court judgment of $102,679.85 obtained by MANUFACTURERS &
TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL
BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY against you.
NOT~EOFOWNE~SroGHTS
YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE
To prevent this Sheriffs Sale you must take immediate action:
1. The sale will be canceled if you pay to MANUFACTURERS & TRADERS TRUST
COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A.,
SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY the amount of the judgment plus
costs or the back payments, late charges, costs and reasonable attorney's fees due. To fmd out how much
you must pay, you may call: (856) 755-1560.
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.
i._~, _, .,
. - "'-,,">c ~~c-. ~y,-, _ " _,_,~,~._,C'''''' ,,~_ . _ I,u." _'''''''_~'''''''.-<''''_ ~,'___,,,"'_-'>-_" '
, ,
~- - __ ,'~~~.~ c_,_~~" ~,_ _0 ~_.,_
"..
~-""',
(... ,..
3.
You may 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.)
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 calling (717)240-6390.
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 Sheriffthe full amount due in the
sale. To [md out if this has happened, you may call (717)240-6390.
4. If the amount due from the buyer is not paid to the Sheriff, you will remain the owner of
the property as if the sale never happened.
5. You have a 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 Sheriffno later thanOCTOBER 5,
2001 This schedule will state who will be receiving the 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 Sheriff within ten (10) days after the date of filing of said schedule.
7 . You may also have other rights and defenses, or ways of getting your house 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 COURTHOUSE
1 COURTHOUSE SQUARE
CARLISLE,PA 17103
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED
THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
~::, ~.",.. , -,
,..^, ',_.'C'(_,""'" ~_',,"_' '_', __<_ ,~, '_'__"__,___~, ,'_,,~ _"~ ..~.I.
~'", ~,,,. '.,
~~ ~~~
...
."-'/1 "'~
.
ALL that certain tract ofland with the improvements thereon erected, situate in the Fifth Ward of the
Borough of Carlisle, Cumberland County, Pennsylvania, more particularly bounded and described pursuant
as follows:
BEGINNING at a point on the Northern Line of Gobin Street, which point is westwardly 315.79 feet from
the Eastern boundary line ofland Hamilton Development; thence along the Northern line of Gobin Stree by
a curve to the left, having a radius of 403 .62 feet in the center line of said street, Westwardly 80 feet to a
point on line ofland now or formerly of Reisinger Brothers, me.; thence by the latter land, North 20 degrees
47 minutes West, 122.65 (erroneously referred inDeed as 122.56) feet to a point on line ofland of Carlisle
Fair Association; thence by the latter land, North 70 degrees 41 minutes East, 87.43 feetto line ofland now
or formerly of Robert E. Wall and wife; thence by said Wall land, South 17 degrees 16 minutes 14 seconds
East, 127.43 feet to the Place of BEGINNING.
BElNG THE SAME PREMISES which John A. Karagiannis and Analia S. Karagiannis, husband and wife
by Deed dated December 7, 1987 and recorded December 7, 1987 in the Recorder's Office in and for
Cumberland County, Pennsylvania in Deed Book Volume B33, Page 1006, granted and conveyed unto
Douglas S. Graham and Margot B. Graham, husband and wife, the mortgagors herein.
'\:o:~-
~-,- "~_:"'T"i'"'l""", ~" .".. ,,~_, '"!fe, 4 -_~ ,-"-"-4'''':',<'' _;' "n~~_'-,',"'I"o_."'~'c,
-","'e' ."","."_'"1''',-_'',
-'~' ~~~- -, _c. ~~" _~
~
r~
.. ~~ ...~,. ~.,~ ~'"~-
..
~,
_'~,,"^ 0 ,~ "'_
.=~, ~- .Q..
_"~ ~ ~.,..,~ ,_=. ~. . .~.<~ ~"_O, ".~~.."
~.,,,,,,,,,,.,,,,!lll'!ii'l"l.~,,,,
(")
c:
~
-OeD
(llf'1i
Z::C;
ZC'
(j))>
-< 2.~
r::C
)> .--,
Z''-''
-L-,
>c:
Z
~
-'=-
C)
S::
c_
~~
G:{H
r
UTI
.,-f r-.
,
t-:)
-'q
=::"J'
!":-;
-~-' \_,~;
__'~ ~fii
~.~< ~"i~
::;:::~
:;~
-,
s:?
~
.~
. .'~_ _.~~.~O"""""f""!!" ,'~
_.~,.,./