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Home My WebLink About01-03082 -'--- -~ ,~ ,", "',.,,,,;,::..,--,;,.~ ,;~--~-s_",_ ~,_ ,,-,,"- ';<_'~"_" ,,' ," . -"1'0 "", - ,-","",-',,-<' :..;;;;....:~,,;;,;,'''';h . i;{:3J'.b'l;,;.:,;,\o"_-c~:,~.;;-'.:' :', -;;":";"': ~.:d,;;;:{,,;,<i:. '~:,'~,~, .,., ~ _ ,~_' " "~'-,;.'_";, ~ Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney J.D. No. 79294 1020 North Kings Highway, Suite 2] 0 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 9786070 MANUFACTURERS AND TRADERS TRUST COMPANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY PO BOX 840 BUFFALO, NY 14240-0840 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 01 -JCPo\. Cui.CJ-~ vs. JOSEPH S. RUDA AND TERRI L. RUDA 429 PONDEROSA ROAD 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 .~: ---".".~"~." -"..,,~ "".'--~H', -""',~,,,,,"~;:-,~ _ -"; "I 'C""'l~ '_','I:_~: "<".,~""",,,,,,, :iL,':C~'" ~-- "'lJ;':k,~"-"";':-, :,,'_ -<m'l.:ri ";,,,-,)~ Ck..,,,,jj,,,,;.;;,,,,__ '-"'~-"'~~J,- A VISO Le han demandado a usted en ]a corte. Si usted quiere defenderse de estas dernandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y ]a 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 dernandadas en contra de su persona. Sea avisado que si usted no se defiende, ]a corte tomara medidas y puede continuar ]a 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 TIENE ABOGADO 0 SINO TIENE EL DINERO SUFICIENTEDE PAGAR TAL SERVICIO, V AYA EN PERSONA 0 LLAMEPOR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIAL LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 ~ ~ ." L'" '- - ...,;&",..., - <>' ,-",'0 ','ie,"-,- "~,,j -, -, e' --"'~'I';" ,- .;~~"",""-<,:,, ,';;';-, ,~",,'~, ,',- <' .,:,c"r'_ii1liLj..~;~".~i ~-, ';'.A,',~,,';, ~";;;F" J,&i;j~i:'~~~I;::;;- ;>;-:,;, "',' '"i.!;: Spear & Hoffinan, P.A. BY: BONNIE DAHL, ESQUIRE Attorney J.D. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 9786070 MANUFACTURERS AND TRADERS TRUST COMPANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY PO BOX 840 BUFFALO, NY 14240-0840 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. vs. JOSEPH S. RUDA AND TERRI L. RUDA 429 PONDEROSA ROAD CARLISLE, P A ] 70 13 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE ]. PlaintiffisMANUF ACTURERS AND TRADERS TRUSTCOMP ANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY, with its principal place of business located at PO BOX 840 BUFFALO, NY 14240-0840. 2. The names and last known addresses ofthe Defendants are: JOSEPH S. RUDAAND TERRI L. RUDA, PO BOX 866, 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 OCTOBER 30, 1996, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to FINANCIAL TRUST COMPANY, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: OCTOBER 30, 1996 DATE RECORDED: OCTOBER 30, 1996 BOOK: 1348 PAGE: ]069 I .-, ) .~, ,'- , ",- " .,-;" ""~ ."','" 'S"'A" k,.-',~- ",- .',-4, "-'- ""'0 -,,,. ,_,;; - -,;;'~;-'.i,,_'_-';,-:;-4;1 :I-IF,,-:;,.-' ,""I,' ': "-":",-'l')k~':';:~;J;,"hf.",::{~'\:>';~~:' , -- ",- '~i:ki 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 OCTOBER 30,1996, in consideration of their indebtedness to FINANCIAL TRUST COMPANY, JOSEPH S. RUDA AND TERRI L. RUDA made, executed and delivered to FINANCIAL TRUST COMPANY their promissory Note in the original principal amount of $43,000.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiffis the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR: N/A ASSIGNEE: N/A DATE OF ASSIGNMENT: RECORDING DATE: BOOK: N/A N/A N/A PAGE: N/A 7. The Mortgage is secured by property located at 429 PONDEROSA ROAD, CARLISLE, P A 17013, which is more particularly described in the legal description attached hereto as Exhibit "C" 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 JANUARY 30, 2001 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. 2 --.' ",,[ ',"'. -,I<. ,-, P'- "';"",~~i-.'\;'. ,,"'.' '~,;~';I'l.:Jd'--~'''-;\J;';'~';;.ill;'[",Ai;t..;;,;~,_>[_:,>,;-,>,:_T,"~,,(,'--",,;_, _~". '. "';"JL'~-r, 9. The following amounts are due on the Mortgage: Principal Ba]ance $36,222.33 10.570% interest from DECEMBER 31, 2000 to APRIL 18,2001 at $10049 per day $1,132.92 Accrued Late Charges $46.90 Escrow Advances made by Plaintiff $46.82 Miscellaneous Fees $28.50 Estimated Attorney's Fees $3.600.00 TOTAL AMOUNT DUE $41.315.20 Interest continues to accrue at the per diem rate of$I0049 for every day after APRIL ]8,2001 that the debt remains unpaid. 10. Pursuantto the notice provisions of Act 91, 35 P .S. ~ 16800403( c), and the notice provisions of Act 6, 41 P.S. ~403, as governed by 12 Pa. Code Section 31.20] et seq. as amended by Act 160 ofl998 effective February 19, 1999, Plaintiff sent the combined Notice of Intention to Foreclose Mortgage which is inclusive of the Act 91, Homeowners Emergency Mortgage Assistance Program and Act 6 notice to Defendants, dated MARCH 16, 2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to cure the default and 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 "E". 3 -.' Lq'"", "- ""~-"-'-"',,,,,,.,,- ,,->C'.. ~'" .,,,~' 1_'-'-""-',';-:;;0.._ I," ''"~;;',,;-,]/---,~~;,,':';'~-'d,,;-'- -~' """-,,~,,-j;;t',,1><f',~";,, ~_ :C,;;;.: ;,;.,'" i;~'"J~;~i:_';;'-,:~:.co-"i.:':;i;--<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. SPEAR & HOFFMAN, PA Dm~pl ~-~ tZutJ BONNIE DAHL, ESQUIRE 4 ~~ II.""", 1 "' I J - L 1: I '<- ~f IM_, . " . " __,11_ VERIFICATION The uudersignedhereby states that he/she is an authorized officer, representative or agent for Plaintiff in this action and that he/she is authorized to make this Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the uudersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of his/her knowledge, information and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. ~4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: Name: Dennis Gawron Company: Manufacturers & Traders Trust Company Title: Assistant Vice President Acct. #9786070 5 >.-- ~"-, ,--\' '--',,-'.---- -' Exhibit "A" ~ ~ " ...J " I 1,_1 "liMir/ ~"'''''''"~'''-''=='~~==~...............~ -~-~~_.._.. -'~---~~-~-'--'., -... ... ...~.__.,..._,,~,--,._-. ._---,--------~-~--,. J/<?3 J- ~-L-/ ;/f'SZ) RECORDATION REQUESTED BY: Flminclal Trust Company One West High Street Carlisle, PA 17013 RGSEKT-P. ZIEGLER ~,ECORDEH OF DEEDS r;U1,~GERLMlD COUNTY-PA WHEN RECORDED MAIL TO: Flnanclal Trust Company One West High Street CarliSle, PA 17013 '96 OCT 30 APlll n :"\} \ I...~ 1 ':\ \ SEND TAX NOTICES TO: JoSeph S. RUda and Terri L. Ruda 65 Derbyshire Drive CaJUste, PA 11013 SPACE ABQVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE THIS IS A PURCHASE MONEY MORTGAGE THIS MORTGAGE IS DATED OCTOBER 30, 1996, between Joseph S. Ruda and Terri L. Ruda, owner(s) in fee simple, whose address Is 65 Derbyshire Drive, Carlisle, PA 17013 (referred to below as "Grantor"); and Financial Trust Company, whose address is One West High Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuable conslderallon, Grantor granls, bargains, sells, conveys, assigns, transfers, releases, confirms and mortgages to Lender all of Grantor's right, title, and interest in and to the following described real properly, together wllh all existing or subsequently erected or affixed buildings, improvements and fixtures; all streets, lanes, alleys, passages, and ways; all easements. rights of way, aU liberties. privileges, tenements, hereditaments. and appurtenances thereunto belonging or anywise made appurtenant hereafter" and the reversions and remainders wllh respect thereto; all water. water rights. watercourses and ditch righls (Including stock In utDilies with ditch or Irrigation rights); and all otber rights, royaltles. and prolils relallng to the real property, Including without IImilallon all minerals. on, gas. geothermal and similar matlers, located in Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): see Exhibll A township: Lower Frankford Twp The Real Property or i_ address is commonly known as 429 Ponderosa Road, Carlisle, PA 17013. Granlor presenlly assigns 10 Lender all of Grantor's right, tille, and interest in and to all leases of the Property and all Rents from the Properly. In addition. Grantor grants 10 Lender a Uniform Commercial Coda security Inlerest in the Personal Properly and Renls. DEFINITIONS. The following words shall have the follOWing meanings when used in this Mortgage. Terms not otherwise defined in this Mortgage shall have Ihe meanings attributed to such terms In the Uniform CommercIal Code. All references 10 dollar amounts shall mean amounts in lawful money of the United Slates of America. Grantor. The word "Granlor" means Joseph S. RUda and Terri L. Ruda. The Grantor Is the mortgagor under this Mortgage. Guarantor. The word "Guarantor" means and includes without limilaUon each and all of the guarantors, surelles, and accommodation parties in conneclion with the Indebtedness. Improvements. The word "Improvements" means and Includes without limitation all existing and future Improvements. buildings, structures. mobile homes affixed on the Real Property, facilities. additions. replacements and olher construction on the Real Properly. tndebtedness. The word "Indebtedness" means all princIpal and interest payable under the Note and any amounts expended or advanced by Lender to discharge obligations of Granlor or expenses Incurred by Lender to enforce obligations of Grantor under this Mortgage. together with inlerest on such amounts as provided In this Mortgage. Lender. The word "Lender" means Ananclal Trust Company, lis successors and assigns. The Lender Is Ihe mortgagee under this Mortgage. Mortgage, The word ftMortgage" means this Purchase Money Mortgage between Grantor and Lender. and Includes without Iimilatlon all assignments and security Interest provisions relallng 10 the Personal Property and Rents. Purchase Money Mortgage. If any of the debt secured by this Security Instrumenlls lent to Borrower 10 acquire tllIe to the Real Property, this Security Instrument shall be a purchase money morlgage under 42 P.S. Section 8141. Nole. The word "Noteft means the promissory note or credit agreement dated October 30. 1996, In the original principal amount of $43,000.00 from Granlor to Lender, tcgether with all renewals of, extensions of, modIfications of, refinancIngs of, consolidations of, and subslilulions for the promissory nole or agreement. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST RATE. Personal Property. The words "Personal Property" mean all equipment. flxlures, and olher articles of personal properly now or hereafter owned by Grantor, and now or hereafter atlached or affixed to the Real Property; togelher with all accessions. parts. and additions 10, all replacements of, and all substitutions for, any of such properly; and together with all proceeds Oncluding wllhoulllmitation all insurance proceeds and refunds of premiums) from any sale or other disposition of the Property. Property. The word "Property" means collectively the Real properly and the Personal Properly. Real Property. The words "Real Property" mean the property, Interests and rights described above in the ftGrant of Mortgage" seclion. Related Documents. The words "Related Documents" mean and Include without lImllallon all promissory noles. credit agreements, loan agreements, environmenlal agreements, guaranties, security agreements, mortgages, deeds of trust, and all other Instruments, agreements and dccuments, whether now or hereafter existing, execuled in cannecllon with the Indebtedness. Rents. The word "Renls" means all present and fulure rents, revenues, Income, Issues, royallles, proms, and other benefits derived from Ihe Properly. ..".,,(1 it ') 40 ......_'"' {U':-(\ ",. " I'. ""~'i;{~ MORTGAGE (Conllnued) Page 2 THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF AU. OBUGATlONS OF -GRANTOR UNDER nus MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE. Except as olherwise provided In Ihis Mortgage, Grantor shall pay 10 Lender all amounts secured by this Mortgage as they become due, and shall slrictly perform all of Grantor's obligations under this Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's possession and use of the Property shall be governed by the following provisions: Possession and Use. Until In default, Grantor may remain In possession and control of and operate and manage the Properly and collect the Renls from the Property. Duty to Maintain. Grantor shall malnlaln the Property in tenanlable condition and promptly perform all repairs, replacements, and maintenance necessary 10 preserve lis value. Hazardous Subslances. The terms ~hazardous wasle," "hazardous subslance," "disposal," "release," and ''threatened 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. SecDon 9801, et seq.,("CERCLA"), Ihe Superfund Amendments and Reaulhorization Act of 1986, Pub. L. No. 99-499 ("SARA'1, Ihe Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, el seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 6901, et seq., or other applicable slale or Federal laws, rules, or regulations adopled pursuant to any of Ihe foregoing. The terms "hazardous waste" and ~hazardous substance" shilll also Include, wlthoullimilatlon. petroleum and pelroleum by-products or any fracllon thereof and asbestos. Grantor represenls and warrants to Lender that: (a) DUring the period of Granlor's ownership of the Property, lhere has been no use, generation, manufacture, slorage, treatment, dIsposal, release or threatened release of any hazardous waste or substance by any person on, under, aboul or from the Property: (b) Grantor has no knowledge of, or reason to believe Ihatlhere.has been, except as previously disclosed to and acknowledged by Lender in writing, (I) any use, generalion, manufacture, storage, trealment; disposal, release, or threalened release of any hazardous wasle or substance on, under, about or from the Property by any prior owners or occupants of the Property or (ii) any aclual or threatened liligat.lon or claims of any kind by any person relating to such mailers; and (c) Except as previously disclosed to and acknowledg~d by Lender In writing, (1) nellher Grantor nor any lenant, contraclor, agent or olher authorized user of Ihe Property shall use, generate, manUfaciure, store, treat, dispose of, or release any hazardous wasle or substance on, under, about or from the Property and (II) any such actMty shall be conducted in compliance wllh all applicable federal, stale, and local laws, regulations and ordinances, including without limitation those laws, regulations, and ordinances described above. Granlor authorizes lender and ils agents 10 enler upon the Property to make such Inspecilons and lests, al Grantor~s expense, as lender may deem appropriale 10 determine compliance of Ihe Property wllh this section of the Mortgage. Aily Inspections or tests made by lender shall be for lender's purposes only and shall not be construed to create any responslbfllty or liabfllty on the part of lender to Grantor or \0 any other person, The represemations and warranties conlained herein are based on Granlor's due cl]rlQence in Investigatfng the Property for hazardous wasle and hazardous substances. Grantor hereby (a) releases and waives any fulure claims agalnsl Lender for indemnity or contribution In Ihe event Grantor becomes liable for cleanup or olher costs under any such laws. and (b) agrees to indemnify and hold harmless Lender against any and all claims, losses, liabilllfes, damages, penallles, and expenses which lender may direcUy or indirectly suslain or suffer (esulllng from a breach of this section of the Mortgage or as a consequence of any use, generallon, manufacture, storage, disposal, releas", ~~,. threatened release occurring prior 10 Grantor's ownership or interest in the Properly, whether or nollhe same was or shOUld have been kno\'- ,J '0 Granlor. The prov]slons of this section of the Mortgage, including the obligation to fndemnify, shall survive the payment of the IndebteClness and the satisfaction and reconveyance of the Hen of Ihis Mortgage and shall not be affected by lender's acquisition of any Interesl in the Properly, whether by foreclosure or otherwise. Nuisance, Waste. Granlor shall not cause, conduct or permit any nuisance nOf commit, permit, or suffer any stripping of or waste on or to the Property or any portion of the Properly. Wlthoul limiting the generality of the foregoing, Grantor will not remove, or granlto any other party the righlto remove, any limber, minerals (Including on and gas), soil, gravel or rock producls wllhoutlhe prior wrillen consenl of lender. Removal of Improvements. Grantor shall not demolish or remove any Improvements from the Real Property without the prior wrlllen consenl of lender. As a condition 10 the removal of any Improvements, lender may reqUire Grantor to make arrangements satisfactory to lender to replace such Improvements with Improvem~nts of at least equal value. Lender's Righi to Enter. Lender and its agents and represenlatives may enter upon Ihe Real Properly al all reasonable limes 10 allend 10 Lender's inlerests and 10 inspect the Property for purposes of Granlor's compliance wllh Ihe terms and condlllons of this Mortgage. Compliance with Governmental Requtre!11ents. Granlor shail prompily comply with all laws, ordinances, and regulations, now or hereafter In effect, of all governmental authorities applicable 10 the use. or occupancy of the Property. Grantor may conlest In good faith any such law, ordinance, or regulation and withhold compliance during any proceeding, inclUding approprlale appeals, so long as Grantor has notlfied Lender In writing prior to doing so and so long as, in Lender's sole opinion, Lender's lnteresls In Ihe Property are not Jeopardized. lender may require Grantor 10 post adequate security or a surety bond, reasonably satisfaclory 10 Lender, to protecl Lender's interest. Duty to Protect. Granlor agrees neither to abandon nor leave unallended the Property. Granlor shall do all other acts,]n addillon to those acts set forth above In Ihis section, whIch from the character and use of the Property are reasonably necessary to prolect and preserve Ihe Property. DUE ON SALE - CONSENT BY LENDER. lender may, at lis option, declare immediately due and payable all sums secured by this Mortgage upon the sale or transfer, withoutlhe Lender's prior wrllfen consent, of all or any part of the Real Property, or any interest In the Real Property. A "sale or transfer" means the conveyance of Real Properly or any right, IIUe or interesl therein; whether legal, beneficIal or equitable; whether voluntary or involuntary; whelher by outrighl sale, deed, Installment sale contract, land contracl, contract for deed, leasehold Interest with a lerm greater than three (3) years, lease-option contract, or by sale, assignment, cr transfer of any beneficlallnlerest In or fo any land trust holding IiDe to the Real Property, or by any other method of conveyance of Real Property Interest. If any Grantor Is a corporation, partnership or Iimlled liability company, transfer also includes any change In ownership of more than twenty-five percent (25%) of the voting stock, partnership interests or Ilmlled liabillly company Interests. as the case may be, of Grantor. However, this option shari not be exercised by Lender If such exercise Is prohlblled by lederallaw or by Pennsylvania ~::ES AND LIENS. The following provisions relating to the taxes and liens on the Properly are a part of this Mortgage. BOOK 1348 PAGEi070 Payment. Grantor snail pay when due (and In all events prior 10 delinquency) all taxes, payroll taxes, special taxes, assessmenlS, waler charges and sewer service charges levied agalnsl or on account of Ihe Property, and shall pay when due all claims for work done on or for services rendered or malerial furnished to the Property. Grantor shall maintain the Property free 01 alt liens having priority over or equal to the Inlerest of Lender under lhis Mortgage, except for the lien of taxes and assessmenls nol due, and except as olhelWise provided in the following paragraph. Right To Conlest. Granlor may wflhhold paym~nl of any tax, assessme.nt, or clalm I~ c.onneclion wilh a good faith dlspule over the o~jjgalion 10 pay, so long as lender's interesl in Ihe Properly IS not Jeopardized. If a hen arises or IS Med as a result of nonpaymenl, Granlor shall wllhln fifteen (15) days after Ihe lien arises or. If a lien Is filed, wllhin fifteen (15) days after Granlor has nolice oflhe li~ln9, secure Ihe dls?harge of the lien, ?r If requested by Lender, deposit with Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender In an amount s~fflcient to discharge Ihe lien plus any costs and allorneys' fees or other charges that could accrue as a result of a foreclosure or sale under the lien, In -" .-, " o,,~ "~, ..~, '.0 ~:~ MORTGAGE (Conllnued) Page 3 any conlesl, Grantor shall defend Itself and Lender and shalf sallsfy any adverse jUdgment before enforcement against the Property. Grantor shall name Lender as an additional obligee under any surety bond furnished In Ihe contest proceedings. Evidence of payment. Grantor shall upon demand furnish to Lender salisfactory evidence of payment of the taxes or assessments and shall authorize the appropctate governmental official to ~'/6f to Leru.1er at any tIme a written statement of the taxes and assessments agaInst the Property. Notice of ConstrUcllon. Grantor shall nellty Lender alleest fifteen (15) days before any work Is commenced, any S9IVJCes are furnished, or any malerials are supplied to the Property, Jf any mechanic's, lien, materlalmen's lien, or other lien could be asserted on accounl of the work, services, or materials and the cost exceeds $5,000.00. Grantor will upon request of Lender furnish 10 Lender advance assurances saUsfactory 10 Lender that Gramor can and will pay the cosI of such Improvements. PROPERTY DAMAGE INSURANCE. The following provisions reJaUng to Insuring the Properly are a pari of this Mortgage. Maintenance of Insurance. Grantor shall procure and maintain policies 01 fire Insurance with standard extended coverage endorsements on a replacement basis for the full Insurable value covering all Improvements on the Real Properly In an amount sufficient to avoid applfcaUon of any coinsurance clause, and with a slandard mortgagee clause In tavor of lender. Policies shall be wrilten by such lnsurance companIes and In such form as may be reasonably acceptable to Lender. Grantor shall deliver to Lander certificates of coverage from each Insurer containing a sUpulation that coverage will not be cancelled or diminished wilhoul a minimum of len (10) days' prior written nollce to Lender and not containing any disclaimer of the Insurer's liability for failure to give such notice. Each Insurance poncy also shall include an endorsement providing that coverage in favl)( of Lender will not be Impaired in any way by any act, omission or default of Grantor or any other person. Should Ihe Real Property at any time become located In an area designated by the Director of the Federal Emergency Management Agency as a special fioed hazard area, Granlor agrees to obtain and malnlaln federal Flood Insurance for the full unpaid principal balance of the loan, up 10 the maximum policy limits set Uf'\der the National Flood Insurance Program, or as otherwise required by Lender, and to maintain such insurance for the term of the loan. Application of Proceeds. Grantor shall promptly notify Lender of any loss or damage to the Properly If the estimated cost of repair I)( replacemenl exceeds $500.00. lender may make proof of loss If Granlor falls to do so within fifteen (15) days of Ihe casualty. Whelher or nol Lender's security Is Impaired, Lender may, at iis eleclion, apply the proceeds to the reduction of the Indebtedness, payment of any lien affecUng the Property, or the restoration and repair of the Property. If Lender eJects to applY the proceeds 10 restorallon and repair, Granlor shall repair or replace Ihe damaged or destroyed Improvements In a manner sallsfllclory to Lender. Lender shall, upon satisfactory proof of such expenditure, payor reimburse Granlor from the proceeds for the reasonable cost of repair or restoration If Granlor Is 1'101 in default hereunder. Any proceeds which have not been disbursed wllhin 180 days after their receipl and which Lender has not committed 10 the repair or restoration of the Property shall be used flrsl to pay any amount owing to Lender under this Mortgage, Ihen 10 prepay accrued inlerest, and the remainder, if any, shall be applied to the principal balanCE! of the Indebtedness. If Lender holds any proceedS after payment in full of the Indebtedness, such proCeeds shall be paid to Granlor. Unexpired In$Ur8Rce at Sale. Any unexpired Insurance shan inure to the benefit of, and pass to, the pUl"chaser 01 the Pmperty cO'Je(ed by this Mortgage at any trustee's sale or other sale held under the proviSions of this Mortgage, or at any foreclosure sale of such Property. EXPENDITURES BY lENDEf\. If Grantor fails 10 comply with any provision of Ihis Mortgage, or if allY acllon or proceeding Is commenced that would materially affect lender's inte' .1-'. IS In Ihe Property, lender on Grantor's behalf may, but shall not be required to" take any action thai Lender deems appropriate. Any amount thlt.. ...ender expends in so doing will bear interest at the rate provided for In the Note from the dale incurred or paid by Lender 10 the dale of repayment by Gramor. An such expenses, allender's oplion, will (a) be payable on demand, (b) be added to the balance of the Note and be apportioned among and be payable with any Installment payments to become due during either (I) the term of any appl1cable Insurance policy or (ii) the remaining term of the Note, or (c) be Irealed as a balloon payment whIch will be due and payable al the Note's maturity. This Mortgage also wlll secure payment of Ihese amounts. The rights provided for In Ihis paragraph shall be in addillon 10 any other righls or any remacties to whIch Lender may be entitled on account of the default. Any such action by Lender shall nol be construed as curing Ihe default so as to bar Lender from any remedy fuet 1\ otherwise would have had. Grantor's obligation to lender tor all such expenses shall surv'lve the entry of any mortgage foreclosure judgment. WARRANTY; DEFENSE OF TITLE. The following provisions relallng to ownershIp of the Property are a part of this Mortgage. Title. Grantor warrants Ihat: (a) Grantor holds good and marketable tille of record 10 Ihe Properly In fee simple, free and clear of all liens and encumbrances other than those set. 10rth In the Real Properly descrlpUon OJ In any U1le insurance polley, tilla report, or final title opinion issued in favor of, and accepled by, Lender In connection with this Mortgage, and (b) Granior has Ihe iu11 right, power, and aulhority to execute and deliver this Mortgage to Lender. Defense of Tille. Subjeclto the exception in Ihe paragraph above, Granlor warrants and will forever defend the tille 10 the Properly agalnslthe lawful claims of all persons. In the event any acllon or proceeding Is commenced Ihel questions Granlor's tllle or the inlerest of lender under Ihis Mortgage, Granlor shall defend Ihe acllon al GrantOr'S expense. Grantor may be the nominal parly In such proceeding, bullender shall be entitled 10 participate In the proceeding and to be represented in the proceeding by counsel of Lender's own choice, and Grantor will deliver, or cause 10 be delivered, to Lender such Inslruments as Lender may request from lime to time to permit such particlpalion. Compliance With Laws. Granlor warrants thai the Property and Grantor's use of Ihe Property complies with all exisllng applicable laws, ordlnances, and regulations cI governmental authorities. CONDEMNATION. The following provisions relallng to condemnation of the Property are a part of Ihls Mortgage. Application of Net Proceeds. II all or any part of the Properly is condemned by eminent domain proceedings or by any proceeding or purChase In lieu of condemnation, Lender may allls eleclion require thai all or any porlion of the nel prooeeds of Ihe award be applied to the Indebtedness or the repair or restoration cf the Property. The neI. proceeds cf the award shall mean the award aRe!" payment 01 all ac\\.la\ cCSls, expenses, and attorneys' fees Incurred by Lender in connection wilh the cOndemnallon. proceedings. If any proceeding in condemnalion Is filed, Grantor shall promptly notity lender In wrlllng, and Grantor shall promptly take such sleps as may be necessary 10 defen~ the aclion and oblain the award. Granl~r may be the nominal parly i~ such proceeding~ but ~ender shall be enlltled 10 participate in the proceeding and to be represented In the proceedmg by counsel of lis own chOIce, and Grantor Will deliver or cause 10 be delivered 10 Lender such Instruments as may be requesled by it from lime to lime 10 permit such participation. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following provisions relating to governmenlallaxes, fees and charges are a part of Ihls Mortgage: Currenl Taxes, Fees and Charges. Upon requesl by Lender, Granlor shall execute such documents in addition 10 Ihis Mortgage and take whatever olher aclion Is requested by Lender 10 perfect and COnUnus Lender's lien on the Real Property. Grantor shall reimburse Lender for all taxes, as descrlbed below, logelher wllh all expenses incurred In recording, perfecting or conllnulng this Mortgage, includIng wllhoulllmllatlon all taxes, fees, documentary stamps, and other charges for recording or registering this Mortgage. 13 . 8 -, 1074 BOOK <,l P^G~, -'. .....,J. oj ~ ~, MORTGAGE (Continued) ~. .. ~~~ Page 4 Taxes. The following shall consUlule taxes 10 which this secUon applies: (a) a speclflc laX upon this type of Mortgage Of upon all or any part of the Indebledness secured by this Mortgage; (b) a specmc tax on Grantor which Granlor Is aulhorlad or required 10 deducl from payments on the lndebledness secured 'ay this type of Mortgage; (e) a tax on this \yps 01 Mortgage chargeable against lhe lendeT or lhe holder of the Nobr, and (d) a specific tax on all or any porlion of the Indebtedness or on payments of principal and Interest made by Granlor. SUbsequent Taxes. If any tax to which Ihis seelion applies is enacted SUbsequent to the dale of this Mortgage, this. event shall have the same effet;t as an Event of Default (as daDoed below), and Lender may exercise any or all of Its available remedies for an EVent of Default as provided below unless Grantor either (a) pays the tax before It becomes delinquent, or (b) conlests Ihe tax as prOvided above In tho Taxes and liens section and deposIts with. Lendef cash Of a sufficient corpOfate surety bond or other securtty sa.tlstactory to Lender. SECURItY AGREEMENTj FINANCING STATEMENTS. The following provisions re]aUng to this Mortgage as a security agreement are a part of this Mortgage. Security Agreement. This Instrument sha]1 consUlule a security agreement to the extent any of the Property constllules fIxIures or other personal property, and Lender shall have all of the rights of a secured party under Ihe Unllorm Commercial Code as amended from time 10 time. Sectlrlty Inlarest. Upon request by Lender, Grantor shall exeGute financing statements and take whatever other action is requested by Lender to perfect and continue Lender's se.cUrity Inlerest In the Renls and Personal Property. In addillon to recording thIs Mortgage In Ihe real property records, lender may, at any lime and wllhout further authorization from Grantor, file executed counterparts, copies or reproducllons of Ihis Mortgage as a financing statement. Granlor shall reimburse Lender for all expenses Incurred in perfecting or continuing this security interest. Upon default, Grantor shall assemble the Personal Property in Il manner and al a place reasonably convenient to Granlor and Lender and make it available to Lender within three (3) days e..tter receIpt of written demand from Lender. Addresses. The mailing addresses of Grantor (debIOr) and lender (secured party), from Which Infonnallon concerning the security Inlerest granted bV ihis Mortgage may be obtained (each as required by the Uniform Commercial Code), are as stated on the first page of this Mortgage. FURTHER ASSURANCES; ATTORNEY-IN-fACT. The followIng provIsions relallng 10 further assurances and attorney-in-fact are a part of this Mortgage. Further Assurances. At any time, and from time to Ume, upon request of Lender, Granlor wlll make, execute and deliver, or will cause to be made, executed or delivered. to Lender or to Lender's designee, and when requested by Lender, cause 10 be filed, recorded, reflled, or rerecorded, as the case may be, at such limes and in such offices and places as Lender may deem appropriate, any and a], such mortgages, deeds of trust, security deeds. security agreements, financIng statements. continuallon statements. Instruments of further assurance. certificates, and other documents as may, in the sole opinion of Lender, be necessary or desirable in order to effeCtuate. complete, perfect. continue, or preserve (8) the obligations of Granter \lnder the Note, this Mortgage, and the Related Ooc\lments; and (h) the I\erIs and- 'seclJrlty InteTssts created by this Mortgage as first and prior liens on the Property, whether now owned or her'Elafler acquired by Grantor. Unless,prohlblted by law or agreed to the contrary by Lender In wrinng, Grantor shall reimburse Lender for all costs and expenses incurred in connection with the matters referred to In this paragraph. Attorney-In-Fact. II Gr.1ntor fails to do any of the things referred to in the preceding paragraph, Lender may do so for a"d In the name of Granter and at Grantor's ~!:,{pense. For such purposes, Granter hereby IrrelJocably appoints Lender as Grantor's attorney-in-fa9t tor the purpose. of making, executing, d!'~;. -erlng, filing. recording, and doIng all other things as may be necessary or desirable, In Lender's sole opinion, to accomplish the mailers r, ,rr red to In the preceding paragraph. FUlL PERFORMANCE. If Granlor pays all the Indebtedness when dUB, and otherwise performs a]1 the obligations imposed upon Grantor under Ihis Mortgage. Lender shall execute and deliver to Grantor a suitable satisfaction of this Mortgage and'suitable statements of termination of any financing statement on me eVidencing Lender's security interest In the Rents and the Persona] Property. Grantor will pay, if permitted by applicable law, any reasonable termination fee as determined by Lender from time to Ume. DEFAULT. Each elf the following, at the option of Lender, shall constitule an event of default ("Event of Default") Under this MClrlgage: Default on Indebtedness. Failure of Granlor to make any paymenl when due on the Indebtedness. Defatllt on Other Payments. Failure of Grantor wilhln the Ume required by this Mortgage to make any payment for taxes or Insurance, or any other payment necessary to prevent filing of or to effecl discharge 01 any lien. Compliance Default. Failure of Grantor to comply wlth any other term. obligation, covenant or condilion contained in this Mortgage, Ihe Note or in any of the Related Documents. False Stalemenls. Any warranty, representation or slatemenl made or furnished to Lender by or on behalf of Grantor under this Mortgage, the Nole or the Ralaled Oocuments Is false or misleading In any material respect. elther now or at the: time made or furnished. Defective CoJlaterallzatlon. This Mortgage or any of the Related Documents ceases 10 be in full force and effect (Including failure of any collateral documents 10 create a valid and perfected security interesl or lien) at any time and for any reason. Death or Insolvency. The death of Grantor, the Insolvency of Grantor, Ihe appointment of a receiver for any part of Grantor's property, any assignment for the benefit of credllors. any type of creditor workoul, or the commencement of any proceedIng under any bankruptcy or Insolvency laws by or against Granior. Foreclosure, FOrfeiture, etc. Commencement 01 foreclosure or forfeiture proceedings, whether by JUdicial proceeding, se]f-help. repossession or any ether method, by any cred\tor of Grantor or by any governmental agency agalnstany C1ftlle Property. However, this subsecUon she.U not apply in Ihe event of a good failh dispute by Grantor as to the validity or reasonableness of Ihe claim which is the basis of the foreclosure or forefeilure proceeding, provided Ihat Grantor gives Lender written notice of such claIm and furnishes reserves or a surety bond for the claim satisfactory 10 lender. Breach of other Agreement. Any breach by Grantor under fhe ferms of any other agreement between Grantor and Lender that is not remedIed withIn any grace. period provided therein, includIng without Iimlfalion any agreement concerning any indebtedness or olher obligation of GranloT to Lender, whether existing now or later. Events Affecting Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the Indebtedness or any Guarantor dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any Guaranty of the Indebtedness. InsecUrity. Lender In good failh deems ilself insecure. RIGHTS AND REMEDIES ON DEFAULT. Upon the occurrence 01 any Event ot Default and at any time thereafter, Lender, al ils oplion, may exercise anyone or more of the following rights and remedies, In addition to any other rights or remedIes provid&cl by law: Accelerate Indebtedness. Subject 10 applicable law. Lender shall have the right stlts opllon without notice to Grantor to declare the enlire Indebtedness ImmedIately due and payable. Mt\\!il ') ~Q ,,-;;v.~ (\r"'J1\ ~ ,- I -'J to ~ "",' 'li&lilll_WJ: '"''''"''''~._~...c-'''''''~';<''''''''''~~~''';_'_~='~4". MORTGAGE (Continued) Page 5 UCC Remedies. With respect to all or any part of the Personal Property, Lender shan have all the rights and remedies of a secured party under the Uniform Commercial Code. Collect Rents. lender shall have Ihe right, wilhout notice 10 Grantor, 10 take possession of Ihe Property and collect the Ronts, including amounts past due and unpaid, and apply the net proceeds, over and above lender's costs, agalnsl the Indebtedness. In furtherance of this tight, lendec may require any lenant or other user of the Property to make payments of rent or use fees directly to lender. It the Rents are collected by Lender, then Grantor Irrevocably designates Lender as Grantor's allorney-In-facl to endorse Instruments received in payment thereof In the name of Granlor and to negallale the same and collect the proceeds. Payments by tenants or other users 10 lender In response to lenders demand shall salJsfy the obllgalJons for which the payments are made, whether or not arty proper grounds for the demand existed. lender may exercise its rights under this subparagraph eilher In person, by agent, or through. a receiver. Appolnl Receiver. lender shan have the right 10 have a receiver appointed to take possession of all or any pari of the Property, with the power to protect and preserve the Property, to operate the Property preceding foreclosure or sale, and to collect Ihe Renls from the Property and apply the proceeds. over and above the cost of Ihe receivership, against the Indebtedness. The receiver may serve without bond If permitted by law. lender's right to the appointment of a receiver shall exist whel.tler or not the appaml"lt value of the Property exceeds the Indebtedness by a substanUal amount. Employment by lender shan nol disqualify a person from serving as a receiver. Judicial Foreclosure. Lender may obtain a Judicial decree foreclosing Granlor's Interest In all or any part 01 the Property. NonjUdicIal Sale. If permilled by applicable law, Lender may foreclose Grantor's Interest In all or In any part of the Personal Property or the Real Properly by nonjudicial sale. Deficiency JUdgment. lender may obtain a judgmenl for any deficiency remaining In the Indebledness due 10 lender after application of all amounts received from the exercise of the rights provided In this section. Tenancy al Sufferance. If Grantor remains In possession of the Property after the Property Is sold as provided abow or lender otherwise becomes enlllled to possession of Ihe Property upon default of Granlor, Grantor shall become a tenant at sunerance of Lender or the purchaser of the Property and shall, at Lender's opllon, either (a) pay a reasonable rental for the use of the Properly, or (b) vacate Ihe Property immediately upon Ihe demand of lender. Other Remedies. Lender shall have all olher rights and remedies provided In Ihis Mortgage or Ihe Note or available at law or in equity. Sale of the Property. To Ihe exlent permitted by applicable law, Grantor hereby waIveS any and all right 10 have the property marshalled. In exercising its righls and remedies, lender shall be free 10 sell all or any part of Ihe Property logether or separately, In one sale or by separate sales. Lender shall be entitled 10 bid at any public sale on an or any portion of the Properly. Notice of Sale. lender shall give Granlor reasonable notice of the lime and place of any public sale of the Personal Property or of the time after which any prlvate sale or other Intended disposition of the Personal Property Is to be made. Unless otherwise required by applicable law, reasonable notice shall fr..]8n notice given at least ten (10) days before Ihe time of the sale or disposition. Walver; Bection of Reri~i;~~les. A waiver by any party 01 a breach of a provision of this Mortgage shall not constitute a waIVer of or prejudice Ihe party's rights othelWlse tf, ,. lmand slrict compliance with thai provision or any other provision. Election by lender to pursue any remedy shalf 1'101 exclude pursuit of any olner remedy, and an elecllon to make expendJlures or lake action to perform an obligation of Grantor under this Mortgage after failure of Granlor to perform shall not affect Lender's right to declare a default and exercise Its remedies under this Mortgage. Attorneys' Fees; Expenses. If lender Inslltules any suit or action 10 enforce any of the terms of this Mortgage, Lender shall be enlftled to recover such sum as the court may adJudga reasonable as atlorneys' fees al tria! and on any appeal. Whether or not any court actIon is Involved, all reasonable expenses Incurred by lender thai in Lender's opinion are necessary at any time for the protection of Its interest or the enforcemenl of its rights shall become a part of the Indebtedness payable on demand and shall bear Intecest from Ihe date of a>cpenditure until repaid at the rate provided for in the Note. Expenses covered by thls paragraph include, without Iimllallon, however subject to any limits under applicable law, lender's a(forneys' fees and Lender's legal expenses whether or not there Is a lawsuit, Including attorneys' fees for bankruptcy proceedings (Including efforts to modify or vecate any automatic Slay or injunction), appeals and any anticipated post-judgmenl collection services. the cost of searching records, obtaining tllla reports (Including foreclosure reports), surveyors' reports, and appraisal fees, and tille Insurance, to the extent permitted by applicable law. Grantor also will pay any court costs, In addition to aU other sums provided by law. NOTICES TO GRANTOR AND OTHER PARTIES. Unless otherwise provided by applicabte law, any notice under this Mortgage shall be in writing, may be be sent by lelefacslrnilfe, and shall be effective when actually delivered, or when deposited with a nalionally recognized overnight courier, or, II mailed, shall be deemed effecllve when deposlled in Ihe United Slates mail first class, certified or registered mall, postage prepaid, directed to the addresses shown near Ihe beginning of this Mortgage. Any party may change its address for notices under this Mortgage by giving formal written notice 10 Ihe other parties, specifying Ihat the purpose of the notice Is 10 change the party's address. All ~opies of notices of foreclosure from the holder of any lien which has prlority over this Mortgage shalf be senllo Lender's address, as shown near the beginning of this Mortgage. For notice purposes, Grantor agrees to keep lender Informed al all times of Granlor's currenl address. MISCElLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Mortgage: Amendments. This Mortgage, together 'with any Related Documents, consututes the entire understanding and agreement of the parties as to the mailers set forth in this Mortgage. No a1leration of or amendment to Ihls Mortgage shall be effectlve unless given In writing and signed by the party or parties sought to be charged or bound by the alteration or amendment. Applicable Law. Thts Mortgage has been delivered \0 lender and accepted by lender In the Commoowealth of Pennsylvania. This Mortgage shall be governed by and construed In accordance with the laws of the Commonweallh of Pennsylvania. Caption Headings. Caption headings in this Mortgage are for convenience purposes only and afe 1'101 to be used to interpret or define the provisions of this Mortgage. Merger. There shall be no merger of the Interest or eslate crealed by this Mortgage wllh any olher Interest or estate in the Property al jI!1~Ume held by or for the benefit of Lender In any capacity, without Ihe wrllten consent of lender, BOOK1348 PAGE1U-'3 Multiple Parties. All obllgallons of Granlor under this Mortgage shall be joint and several, and all references \0 Granlor shall mean each and every Grantor. This means tttat each of the perSOns signing below ts responslble for au obllgatlons In thts Mortgage. Severability. If a court of competent Jurisdiction finds any provision of this Mortgage to be invalid or unenforceable as 10 any person or circumslance, such finding shall 1'101 render Ihat provision invalid or unenforceable as 10 any olher persons or circumstances. If feasible, any such offending provision shall be deemed to be modified to be within the limits of enforceabIlity or validity; h!lWever, if the Offending provision cannol be so modified, it sha" be stricken aM all other provisionS- of this Mortgage In atl other respects shalt re~m valld and enforceable. Successors and Assigns. Subject to the limitations slated In this Mortgage on transfer of Grantor's Interest, this Mortgage shall be binding upon -~ ~ , ~ ,;, '. '>.""l~!iij;, MORTGAGE (Continued) Page 6 and Inure to the benefit of the partIes, their heirs, personal representatives, SUCC9SS0rs and assigns. If ownership of Ihe Property becomes-vested in a person other than Granlor, Lender, wllhout noUce 10 Grantor, may deal with Grantor's successors with referenoe 10 Ihis Mortgage and the Indeb;t&dness by way of forbearance or extension without releasing Granklr tom the obligations of this Morlgage or liability under the Indebtedness. TIme ,Is of the Essence. Time Is of the essence In the performance of this Mortgage. Waivers and Consents. Lender shall not be deemed to have waived any rights under this Mortgage (or under the Related Oocumenls) unless such walvar is In writing and signed by Lender. No delay or omission on the part of Lender in exercising any right shall operate as a waiver of such right or any other right. A waiver by any party of a provlslon of this Mortgage shan not consmule a waiver of or preJudlce the party's right otherwIse 10 demand slrict compliance with that provisIon or any olher provision. No prior waiver by Lender, nor any course of dealing between Lender and Granlor, shall constllute a waiver of any of lender's rights or any of Grantor's obligations as to any future transactions. Whenever consent by lender Is required 1n thls Mortgage, the granllng of such consent by Lender In any lnslance shall nol conslllute conlinulng consent to subsequent Instances where such consenl is required. EXHIBIT A. An exhibit, trued "Exhibit A,~ is attached to this Mortgage and by this reference is made a part of this Mortgage Just as if all the provisions, terms and conditions of the exhibit had been fully sel forth In thIs Mortgage. EACH GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS TEAMS. GRANTOR: x\~~~~- . ~~,m0 ",., . .:.~~~?*~tl~i '.'-., xFf~!If!/!!!iJ#:ii;;f'.:if~'~"'{f!;::"'Ji'~;-_. x Ihe presence of: 111 ~'ll lIb <11Q x Witness CERTIFICATE OF RESIDENCE I hereby certify, that the precise address 01 the mortgagee, FInancIal Trusl Company, herein Is as follows: One Wesl HIgh Street, carlisle, PA 17013 AUorney Qr Agel:ll 10< Mortgagee' INDIVIDUAL ACKNOWLEDGMENT ....:::'111.:;,...,. SrAfEOF f ~9u.~~_ COUNTYOFC~~ ."" ......,< " I ...'.'.o~ -\ ,ef -: c;:) ,.) .... )$ ~I O. I S "f~~'{1 :,' On this, 'he 3011;\ day 01 Qr-k .19'1(. . before me &fOR.Ge: r. OOll.&tA},"':~':;>:;he undersIgned NotaTY PUblic, personally appeare JoSeph S. RUlla and Terri L. Ruda. known '0 me (or sa\istao\or1Iy proven) \6'b&.~,pers6h whose names are \Subscribed to the within Instrumenl, and acknowledged thai they executed the same for Ihe purposes therein contained. In wttness whereof,. here GEORGE F. DOUGLAS, m NOfARYPIlBUC CARUSLE SORa.. CUMBEIIl.ANO COUNlV MY COMMISSION EXPIRES JUNE 26, t999 ~r::~~ Notary Public In and for the Stale of Po.- ~ LASER.PF\O, Reg. U.$. Pat. &. T.M. Off., \ler, '3.il2olc}1996CFlf'roS1mI!cn, Int:. k\\rlg\'l\&renNed. \P"'~603R\J\)"JOS.\.tlR2.S.0\lL\ Bood348 PAGE1074 , - .-, ,.",--- < ,-'" --"_'_',01_; <<1- '.'~'-l---~o-_ -'"_~ M.I_'c 2"_~--~-_ ;.;~-'c~tL-~ I~"_'~' Exhibit "B" ,- ~, ;.;' _',,~" i..""^-,,. - _,',' :: ',C," '; '; -- -~- ,', ,~,,;:;;! " G 1_ -",,' ~,' '--'il.i;.hj;~ PROMISSORY NOTE SOIf'ower: ~S.Ruda Terri L. Ruda 65 Derbyshire Drive Carlisle, PA 17013 Lender: Flmmctal Trust Company Main Office One West High Street Cilrllsle, PA 11013 Principal Amount: $43,000.00 Date of Note: October 30, 1996 PROMISE TO PAY. I promise to pay to Financial Trust Company ("Lender"), or order, In lawful money or the United Stales of America, the principal amount of Forty Three Thousand & 00/100 Dollars ($43,000.00), together with Interest on the unpaid principal balance from October 30, 1996, unUI paid In fUll. The Interest rale will not Increase above 12.000%. PAYMENT. Subjeclto any payment changes resulllng from changes In the Index, I will pay this loan In accordance with the follOWing payment schedule: 12 consecullve monthly principal and Interest payments of $436.14 each, beginning November 30, 1998, wllh Interest calculated on the unpaid principal balances al an Interesl rate of 9.000% per annumj and 168 cOn~_cullve monthly_principal and Interest payments In the lnltlal amount of $455.55 each, be~g November 30, 1997, wUh Inl~,~d'on the unpaid principal balances at an Interest rate of 4.500 percentage POints over the Index descrlbed:below. My final payment of $455.55 will be due on October 30, 2011. This esllmated nnal,payment Is based on the assumpUon that a1l'payments Will be made exactly as scheduled and that the Index does not change; the actual final payment will be for all principal and act:rued Interest not yet paid, together with any other unpaid 8J11ounls under'thls Nole. I WIll pay lender al Lender's address shown above Dr at such other place as lender may designate in wrlIlng. Unless olherwise agreed or requlred by applicable law, payments will be applied first to aoorued unpaid interest, then 10 principal, and any remaining amount 10 any unpaid collecllon costs and late charges. VARIABLE INTEREST RATE. The interest rate on this Note Is SUbject to change from tlnlElto lime based on changes In an independent Index which is the Monthly average of weekly average auction rates on United States Treasury Bills with a maturity of six months; (the ~Index"). The Index Is not necessarily the lowest rale charged by Lender on lis loans; If the Index becomes unavailable during the lerm of this loan, Lender may designate a substllute index after notice to me. Lender will tell me the current Index rale upon my request. I understand thai: Lender may make loans based on olher rates as well. The Inlerest rate change wlll nol occur more often_than each year. The Index curre~Uy 1_8 5:.290% per Slnnum. The Inte,.sl ~Ie or rates 10 _ be applied 10 the unpaid principal balance of this Note will be lhe rate or ....es $81 fOrth above In ,the__ "Payment" secUon. NotwithstandIng any other provisIon of this Note, the variable Interest rate or rates provided for In this--Note WlII- be -subject to the folloWJng maxfmum rate. NOTICE: Under no circumslances will the interest rale on this Note be more than the lesser of 121lO0% per annum or file maximum rate allowed by applicable law. ~I!otwlthstanding the above provisions, the maximum increase or decrease in the Interest rate at any one lime on this loan wiD not exceed 2.000 pI Ir- ntage points. Unless waived by Lender, any Increese In the Interest rate will Increase the amounls of my payments. PREPAYMENT. I agree that all loan fees and olher prepaid lInance charges are earned fully as of the date of the loan and will not be subject to refund upon early paymeQt (whether voluntary or as a result of default), except as otherwise required by law. Excepl for the foregoing, I may pay without penally all or a portion of Ihe amount owed earlier Ihan il is due. Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule. Rather, they will reduce Ihe principal balance due and may result-In me making fewer payments. LATE CHARGE. If a payinenl.1s 15 days or more late, I wID be charged 5.000% of the regularly schedUled payment. DEFAlR..T. I will be In default if any of the follOWing happens: (a) I fall to make any payment when dUe. (b) I break any promise I have made to lender, or I fall to comply wilh or 10 perform when due any other term, obligation, covenant, or condition contained in Ihls Note or any agreement related to this Note, or In any other agreement or loan I Ilave wllh Lender. (c) Any representation or statement made or flJmlsllecl fo Lender by me or on my behalf Is false or misleading In any material respect either now or at the time made or furnIshed. (d) I die ar become Insolvent, a receiver is appointed for any part of my properly, 1 make an assignment for Ihe benefit of creditors, or any proceedIng Is commenced either by me or agalnsl me under any bankruptcy or insolvency laWs. (e) Any creditor tries to take any of my property on or In which Lender has a lien or security interest. This Includes a garnishment of any of my accounts with Lender. (f) Any of the events described In Ihls default section occurs with respect 10 any Quarantor of this Note. (g) Lender In good faith deems IIself insecure. lENDER'S RlGHTS. Upon delault, Lender may, after giving sut:h notices as required by applicable law, daclare the entire unpaid principal balance on this Nole and all accrued unpaid Interest Immediately due, and then I will pay that amoun!. Lender may hire or pay someone else 10 help collect this Note If I do nol pay. I also will pay Lender that amount. This includes, subject to any limits under appncable law, lender's atlomeys' fees-and Lender's legal expenses whelher or not there Is a lawsuit, Including atlornsyS' fees and legal expenses for bankruptcy proceedings (including efforts_to modiFy-or vacate any automatic stay or InJunction), appeals, and any antlcipaled post-judgmenl collection services. If. not prohlblted:bY'appDcable law, t 4Iso will pay any court costs,in addition to all olher sums provided by law. If judgment Is entered in connection with_this Note. interesl wUl c.orjtinue to accrue on this Nole after jUdgment at the interest rale applicable to Ihls Note at the time jUdgment Is entered. this Nole has be~n ct.ellvered to J,;e,pder and accepted by Lender In the Commonwealth of Pennsylvania. If there Is a lawsuit, I agree upon Lender's request_to submit to the )urlsdlc:tlon of the courts Of CUmberland County, the Commonwealth of Pennsylvania. This Note shttll be governed by and conslrued In accordance with the taws of the Commonwealth of Pennsylvania. RIGHT OF SETOFF. \ gram 10 lender a contractual posses'Sory 'Security Interest in, and hereby m;slgn, convey, de\lver, pledge, and transfer to lender all my right, titre and Interest in and 10, my accounts with Lender (whether checking, savings, or some other accounl), Incfudlng without limitation all accounts held jointly witn someone else and all accounts I may open In the future, excluding however all IRA and Keogh _~ocounts, and all trust accounts for which the grant of a security inleresl would be prohiblled by law. I authorize Lender, 10 the extent permitted by aPl'licable law, to charge or setoff all sums owing on thls Note against any and all such accounts. COLLATERAL. This Nole Is secured by a Morlgage dated October 30, 1996, 10 Lender on real properly located in Cumberland County, Commonwealth of Pennsylvania, all the terms and condltlons of which are hereby incorporaled and made a part of this Note. '~~ - ,I, " " "M' Nii,,'i ,Of --".:::;(, PROMISSORY NOTE (Conllnued) Page 2 GENERAL PROVISIONS. Lender may delay or forgo enforcing any of lis rlghls or remedies under this Note without losing them. I and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, protest and noUes of dishonor. Upon any change In the terms of this Nole, and unless otherwise expressly stated In wrIting, no party who sIgns this Note, whether as maker, guaranlor, accommodation maker or endorser, shall be released from Rabllity. AD such Parties agree that Lender may renew or extend. (repeatEidly and - tor any length of time) this loan, or release any party or guarantor or collateral; or Impair, fall to realize upon or perfect Lender's security Inlerestln the collateral; and take any other action deemed necessary by Lender wlthout the consent of or noUce to anyone. All such parties also agree that Lender may modify this loan withoulthe consent of or nolice to anyone other than the party with whom the modlDcalfon Is made. The obligations under this Nole are joint and several. ThIs means that the words ,~. ~me~, and "my" mean each and all of the persons signIng below. PRIOR TO SIGNING THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE, INCLUDING THE VARiABlE INTEREST RATE PROVISIONS. I, AND EACH OF US, AGREE TO THE TERMS OF THE NOTE .AND ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THE NOTE. 130RROWER: .:" ''''''~~~~~llfii] VarlableRale.lrregtllar. LASER PRO, Reg. U.S. Pal. & T.M. orr., V&r. 3.22b{e)1996 CFI ProSllfVlces,lne. Allrlghtsres8I"Ved.IPA_020 F3.22a RUDAJ05.LN R25.DVL] ;,",.-',',' ,~' . ,,;~, ".,,'-', -, '., 1 >",' ~ Exhibit "e" 1':"-1 " ",",~- ~, 'l:liIl!i.k> EXHIBIT A '- Borrower: Joseph S. Ruda Terri L. Ruda 6& Derbyshire Drive Carlisle, PA 17013 Lender: Rnanclll Trust Company MaIn Offlce 0118 West High Street Carlisle. PA 17013 This Exhlbll A Is allached to and by this reference Is made a part of each Deed of Trusl or Mortgage, dated October 30, 1996, and executed In connecllon wllh a loan or olher financial accommodations between Financial Trusl Company and Joseph $. Ruda and Tent L; RUda. ALL that certain tract ofl8l1li wllb Ibe improvemeota tbareon situate In Lower Frankford Township, Cumberland County, PenllSJlvaola, bllUJllled 8l1li describod accordlns 10 a plan prepared by Larry V. NeidHngoc, P.B., RoS., datod November 5, 1987, 8l1li reoorded in tho Office oftbe Recorder oCOeods for Cumberland County In Plan Book 55, Page 95, as !bOows: UEGINNlNG II a point In T458 (gravel toad) II tba cenIllrIin8 ofa private gmeI road; tbence along Ibe pri\-ate gmeI road tba !bUowlug five _ aod dlslallce8: 1.) North 30 degrees OS minutes 36 seconds East, a dlstanee of26.57 feet; 2.) North 47 dfgrees 12 minutes 14 seconds Eas~ a distance of 28.73 !eel; 3.) North 49 degrees 22 minutes 51 secomIs East. a distance or30.i6Jr""; 4.L1:,orth 59 degrees 40 minutes 59 seconds Eas~ a distance of 110.22 feet; 8l1li S.) Non 0' '1 aegr... 5211lbnueo II __...... . _ of383.14 ~ to an Iron pin; tbence oIoog lands of 0IC1111 Young, Soulb 38 degrees 07 llIinutes 49 seconds East, a' disl8IICO of 234.17 ~ 10 an !roll pin; tbence along \be same, South 63 degrees 22 minut.. 33 seconds W..~ a distance of 609.94 foot 10 a .pike; tbence aIollll T-458 (anmI toad), North 27 degrees 15 mlnut.. 00 seconds Wes~ a di&tancll of 116.07 float to a pcillll, tbe Place of BEGINNING. CONTAINING 2.381 ami and being designaled II Lot No.5 on tba Plan ofOlenn L. Young. BEING the same premises conveyed by Ricky L. Young & Theresa M. Young, his wife, and Dennis S. Showaker & Kimberly S. Showaker, his wife, by deed of even date and intended to be recorded simultaneously herewith in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, unto Joseph S. R~da and Terri L. Ruda, his wife. the Mortgagors herein. THIS EXHIBIT A IS EXECUTED ON OCTOBER 30, 1998. n (\ . ;...o:.."'.;,iWf:~~h~~~/~i~l;:~ x_~4,'*~F~ ,~"ii!!!Jf~" ~~~"'F' T rrl L. Ruda ,.. . ._m .. LENDER: F1nanclaLTmst Company d ' /) /1 ' By: U.r)Lr){. '-/.J ~ ....G..QR/Y'"../t2..4C/ Authorized Officer BooK1348 PAGEI075 , ~""=Q PIOn Q.." " ~ P~' A. T M Off,. Var. S.22blcj 19S5 CFI ProSarvice~. Inc. AUflHl"ls rese;vl!d.1PA~G60 F3.22 RUOAJOS.LN R25.0VLj , ~, ".n,__ .,. ,_. _,,-,"'_ - ~ '<-' ~~--I-"-",,-' "" ",I, " . - -j ~,..",t)", . '.."O,..ci,', ). ,',_'-C. .,',",hJ -.1;-; ;,-"""..-,'~': .,. ';.'~, ,;;-~~i" .,. ",..<~i,;' ",i_~;~"f:t',;'~-_~- Exhibit "D" ..~~ ~-~'':'~''"'i I . ~~ , '....."" ~- - i_ ""';~~i.l ro .~ 8'" ~ " " . . .. ~ ~ gj '" '"' S -0 ~2 ObH d " 8 .... 0 . " .. 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CertiliedFee ~A~~'::: RestrlctedDel\~ryFee (EnIIo_tRequil'od) $ Total PI:Istage & Fees '~w~S~ch- ....----:---.., n ,0A." ~ ~ ~1 5 ~!. in ! ji '" I ~ I . oCl' ~l col 1& b~ all 0g:. ]I ~i~1l1.d & ~~ ~~ : 3 iHI f ~ ~rf f" 1- i ~j 11- i J~~ II i J 9DSD I "",,- Ho. - b.. .'.- :rliI\'i,;. ~ . .' c<) <:) ,- '[62'[ SLSh 9D'[L , ,~ , =~,.~= .""~. ~M'~ 0,,, ",' __~"_~jo,,__ ,_,,~, _I.. ~',~_ Exhibit "E" 'I" " " ,',,-__c -,- .<'I.;',Jb-c/i--", ,.P';"<_~\, :':'-;;;";_'~;;~,~,;~;" ;',,,;--;:i;c.,>. 'H.'o( - - "_ ":'1. I . .~ ~,~ - - ~' - io! NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 D.S.C. SECTION 1601 AS AMENDED 1. This law fiID1 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 creditor's law firm i)lwriting within thirty (30) days of the receipt of this notice that the debt or an~'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 requestto the 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, NJ08034. f~~j1ffi:~,I~l,fI"'~~'WfKl'il;-t\i}~~'i~~."\ili.j".w~;k.k}'J_.,,,,,,.,,,,~_~I~ '_J,,~,<J "",,__-<,~'~(diH'ji;~iiUj.jiSlllJiill~~~Wl>~ "" ,~ - "~.~ ~~IIL -'I ~ 0 C") n t '.,J 6q. c: ' , 'i ~ ~~ 8 Lih: 1''' , " -.-->( -".- 8 ~ ~ ?:_~i i "c,:,'" ,,~ ~-=1 U' ........ 0 g , -;.") ~ 8 r::: - ..... <- r"":) .., -. Jv .J.'> ,...--., :~.:: ~ )~~ ~!l }.) 0,0 -- .---1 of: :::> ;> -...0 6' ~ ::2 ::g ~ fv ~ ~ ;}(~"~,,."',MI~JIJ!ljflUJ~U'I~JIJJ~jJ!\:~IL''Z\''_~'''''.mJ1U~(.n~,,~,.~I~t~\'l',,"'j".~~';,>,,- FN'Hft.,.,-" -,~~,~, ,'. ", '" .j> ,", ~_,_,~.-., ,,-e, q., ."~'."r,_~" ~, __ ~"d ,~"~. ~4 " - ~-" ~ ,-.~ -.,. ,'",,- _,~_~ -'h ,- ,~~,,"-, I -" ~ j" '~~."" ',' _'I.. < ~",;;' ,'.'0 -jo;.:t:'-;;~I"q,_'A'~'"'"""~" =- ;;C;..k~,: .'M-' ,'-;.-;;~,;.; '-~_ _ ~,__ ,~;, _~_i~,";! Spe"r & Hoffman, P .A. BY: BONNIE 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 AND TRADERS TRUST COMPANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY PLAINTIFF, vs. JOSEPH S. RUDA AND TERRI L. RUDA DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 01-3082 PRAECIPE TO REINSTATE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly reinstate the Complaint in Mortgage Foreclosure on the above-captioned matter. SPEAR AND HOFFMAN, PA /In f~ 'BONNIE DAHL, ESQUIRE ~~~.~-tili_i1"1L-,~.J.. :-.~"';Jjjril.\~;~b~~~~ ~' ,'c ,_.,~,~_o.~". 2:5 tJf :,n,~,-+~LJ:l,L]lKQJ,mlftl,I!~".__"'c",__Jt:J!lI~_,;,~~,<)'".!J!:-)IL:;.,"',~,: ,J%~-J",'{J'''';'~':_,,_',,_~-J_'<;;'_7' ,rC7_'h !c,,, ',--, - '-"~,,~ ,"^~., "," _,"~"" ",,_~__o., ,.~._ .~~~~ f- , ,; ~~,; -:: --D~~- ~!) ~-~ >'-<' ~2 ,,~-, c.:.: ~~f~i _v~ =< ,,- .,", -I i I II u ~ ~ i \...."J ----:J , ~."- :..') 'CJ ~2 ~j""""" " ,I', . l-I ... ,- ~ .~ SHERIFF'S RETURN - NOT FOUND c > CASE NO: 2001-03082 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND MANUFACTURERS AND TRADERS TRUS VS RUDA JOSEPH S ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT RUDA JOSEPH S but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE REINSTATED W/NOTICE , NOT FOUND , as to the within named DEFENDANT , RUDA JOSEPH S DEFENDANT NO LONGER RESIDES AT MORTGAGE PROPERTY, 65 DERBYSHIRE ROAD, CARLISLE, IS VACANT, MORTGAGED. PREMISES ARE ALSO VACANT Sheriff's Costs: Docketing Service Not Found Return Surcharge 6.00 3.25 5.00 10.00 .00 24.25 so,~~ R. homas Kline Sheriff of Cumberland County SPEAR & HOFFMAN 07/18/2001 Sworn and subscribed to before me this ;tift:: day OfY4 -ZC'O( A.D. Q; () - -- L _~ P ~honotary ) ~ - .. ii",," ..c...., . CASE NO: 2001-03082 P SHERIFF'S RETURN - REGULAR COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MANUFACTURERS AND TRADERS TRUS VS RUDA JOSEPH S ET AL DAWN KELL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE RUDA TERRI L was served upon the , 2001 DEFENDANT , at 0014:41 HOURS, on the 4th day of June at 945 DOUBLING GAP ROAD NEWVILLE, PA 17241 TERRI L. RUDA by handing to a true and attested copy of COMPLAINT - MORT FORE NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.45 .00 10.00 .00 36.45 Sworn and Subscribed to before me this Jq ~ day of q~~ .2i!m / A.D. Qr-' . Q M__Ph.), ~ P othonotary so;;~_~~ R. Thomas Kline 07/18/2001 SPEAR & HOFFMAN By: 0ClWn ~ M Deputy Sheriff ,~ ~-~ ~ I_~" ""< _. L I ~-. j"- ;"';-"'--';'" Spear & Hoffinan, P.A. BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No.: 9786070 COpy MANUFACTURERS AND TRADERS TRUST COMP ANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY PO BOX 840 BUFFALO, NY 14240-0840 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 61-.301;).... Cw~Lt~ vs. C"J JOSEPH S. RUDA AND TERRI L. RUDA 429 PONDEROSA ROAD CARLISLE, PA 170]3 DEFENDANTS 1.',.,- 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 TillS 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 LlBERTY AVENUE CARLISLE,PA 17103 (717) 249-3166 .. T~~ cm..y Fll0M RECORD ",TSli)(I5!i',;.;.j1""'(""'" , ' _ . . - ,-, ~'~.'-~:j ),ifF:.~~" ~ ;;~if:~; t4f~1;" ;~t ;pti n"':rwi1 --..,<, " -..". """'''' "-~~~ ~.~~ 1111il!1Y " - Ii ,J I__J "',I ,Ll~- .-",., .'" ' '-''''"'n~j , ' A VISa Le han demandado a usted en la corte. Si usted qui ere 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 entre gar 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. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVE ESTA DEMANDAA UN ABOGADO INMEDIATAMENTE, SINO TIENEABOGADO 0 SINO TIENE EL DlNERO SUFICIENTEDE PAGAR TAL SERVICIO, VAYAENPERSONAOLLAMEPOR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUlR ASISTENCIAL LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PAin 03 (717) 249-3166 ~" , , \".1 ~, ;- .. ,,,' ,', l.~@o-~ Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney ID. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 9786070 MANUFACTURERS AND TRADERS TRUST COMPANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY PO BOX 840 BUFFALO, NY 14240-0840 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. vs. JOSEPH S. RUDA AND TERRI L. RUDA 429 PONDEROSA ROAD CARLISLE, PA 17013 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE I. Plaintiffis MANUFACTURERS AND TRADERS TRUSTCOMP ANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY, with its principal place of business located at PO BOX 840 BUFFALO, NY 14240-0840. 2. The names and last known addresses of the Defendants are: JOSEPH S. RUDAAND TERRI L. RUDA,PO BOX 866, CARLISLE,PA 17013. 3. The interest of each individual Defendant is as mortgagor, real owner of the rea] property subject to the mortgage described below, or both. 4. On or about OCTOBER 30, 1996, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to FINANCIAL TRUST COMPANY, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: OCTOBER 30, 1996 DATE RECORDED: OCTOBER 30, 1996 BOOK: 1348 PAGE: 1069 1 J_, ' . L- 4. L . r-LiI'iii&1.oa,- The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. ]019(g). A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 5. On or about OCTOBER 30, 1996, in consideration of their indebtedness to FINANCIAL TRUST COMPANY, JOSEPH S. RUDA AND TERRI L. RUDA made, executed and delivered to FINANCIAL TRUST COMPANY their promissory Note in the original principal amount of $43,000.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR: N/ A ASSIGNEE: N/A DATE OF ASSIGNMENT: RECORDING DATE: BOOK: N/A N/A N/A PAGE: N/A 7. The Mortgage is secured by property located at 429 PONDEROSA ROAD, CARLISLE, P A 17013, which is more particularly described in the legal description attached hereto as Exhibit "C" 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 JANUARY 30, 2001 and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become i~ediately 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. 2 -- ,.\ .'~ 'J. ' 1-___ 1,1 9. The following amounts are due on the Mortgage: Principal Balance $36,222.33 10.570% interest from DECEMBER 31,2000 to APRIL 18,2001 at $10.49 per day $1,132.92 Accrued Late Charges $46.90 Escrow Advances made by Plaintiff $46.82 Miscellaneous Fees $28.50 Estimated Attorney's Fees $3.600.00 TOTAL AMOUNT DUE $41.3]5.20 Interest continues to accrue at the per diem rate of$]0,49 for every day after APRIL 18,2001 that the debt remains unpaid. 10. Pursuant to the notice provisions of Act 9 I, 35 P .S. ~ 1680.403( c), and the notice provisions of Act 6, 41 P.S. ~403, as governed by 12 Pa. Code Section 31.201 et seq. as amended by Act 160 of ]998 effective February 19, 1999, Plaintiff sent the combined Notice ofIntention to Foreclose Mortgage which is inclusive of the Act 91, Homeowners Emergency Mortgage Assistance Program and Act 6 notice to Defendants, dated MARCH 16,2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to cure the default and 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 "E". 3 '-,';",j "~'f~i' ,""'~H. . , "J --' ,.j I,~ ", ~. 'j.'-f-' 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. SPEAR & HOFFMAN, P.A. DATE~pl /In-~ tZrv B6NNIE DAHL, ESQUIRE 4 "'""""'-~ - . ,~ I" . ~l , -- 'J '~I I, - .~ {:-'" . ""," '~;~, VERIF]CATION The lUldersignedhereby states that he/she is an authOl~zed officer, representative or agent for Plaintiff in this action and that he/she is authorized to make this Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the Ulldersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true 8l1d correct to the best of his/her knowledge, information and belief THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. ~4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: Name: Dennis Gawron Company: Manufacturers & Traders Trust Company Title: Assist811t Vice President Acct. #9786070 5 .-'j . I i -,i. I, L Exhibit "A" ~' " - v_, ,- _ ,_ " ,~, .' """"'r' -',i~ " jJ' -ljj .'~'-,--- - ~<'''''''"''"'=,"-=''<<''':''''"",",''''''''''o-=',,"-'--,,"'''''''''''''_ ._._~__'-~... --.--~.~.._- ....-..-.--.....-" > ---_._------~--_._-. Jlci3 7- .~~ RECORDATION REQUESTED BY: Financial Trust Company One West High Street Carlisle, PA 17013 ;;?fiS() ~CEERT'P. Z!EGLER R::CORDER OF DEEDS (;U~,I,BEf1LA!-ID COUNTY-PA WHEN RECORDED MAil TO: Financial Trust Company One West High Streel Carlisle, PA 17013 Af'll1.4~ '96 OCT 30 ',l 1 \> .1 \\ \ i~ SEND TAX NOTICES TO: Joseph S. RUda and Terri L. RUda 65 Derbyshire Drive Carlisle, PA 17013 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONL V MORTGAGE THIS IS A PURCHASE MONEY MORTGAGE THIS MORTGAGE 15 DATED OCTOBER 30, 1996, between Joseph 5. Rude and Terri L. Rude, owner(s) in fee simple, whose address is 65 Derbyshire Drive, Carlisle, PA 17D13 (referred to below as "Grantor"); and "inanclal Trust Company, whose address is One West High Street, Carlisle, PA 17013 (referred to below as ",l...ender"). GRANT OF MORTGAGE. For valuable conslderatlon, Grantor grants, bargains, sells, conveys, assigns, transfers, releases, confirms and mortgages 10 lender aU 01 Granlor's right, title, and interest in and to Ihe following described real property, togelher with all exlsllng or subsequenlly erected or affixed buildings, Improvements and fIXtures; all slreels, lanes, alleys, passages, and ways; all easements, rights of way, atl liberties, privileges, tenements, haredltamenls, and appurtenances Ihereunto belongIng or anywise made appurtenant hereafter,_ and the reversions and remainders wilh respecl thereto; all water, water rights, watercourses and ditch rights (Including. stock in utilities wllh ditch or irrigation rights): and all olher rlghls, royalUes, and profits relatrng 10 Ihe real property. Including withoul IImitatron all minerals, 011, gas, geothermal and similar matters. located h1 Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): see Exhibit A township: lower Frankford Twp The Real Property or i~ address is commonly known as 429 Ponderosa Road, Carlisle, PA 17D13. Grantor presenlly assigns to Lender all of Grantor's right, litle, and Interest in and to an leases of the Properly and all Rents from Ihe Property. In ac:ldllion, Grantor grants 10 Lender a Uniform Commercial Code security Inlerestln the Personal Property and Rents. DEFINITIONS. The following words shall have Ihe following meanings when used in this Mortgage. Terms not otherwise defined in this Mortgage shall ha.ve the meanings altrtbuted to such terms in Ihe Uniform Commercial Code. All references 10 dollar amounts shall mean amounts In lawful money of the United States of America. Grantor. The word ~Granlor" means Joseph S. RUde and Terrt L. Ruda. The Grantor is the mortgagor under this Mortgage. Guaranlor, The word "Guarantor" means and includes withoullimilallon each and all 01 the guarantors, surelles. and aocommodation parties in connection with the Indebtedness. . Improvements. The word "Improvements~ means and Includes without timitallon all exisling and future improvements, buildings, structures, mobile homes alflxed on the Real Properly, facllllles, addllions, replacemenls and olher conslruclion on the Real Properly. Indebtedness. The word ftlndebtedness~ means aU principal and Inleresl payable under the Note and any amounts expended or advanced by Lender 10 discharge obllgallons of Grantor or expenses Incurred by Lender to enrorce obligation.'.; of Granlor under Ihls Mortgage, together with Interest on such amounts as provided In this Mortgage. Lender. The word "Lender" means Financial Trust Company, lis successors and assIgns. The Lender Is the mortgagee under lhis Mortgage. MOr1gage. The word "Mortgageft means fhls Purchase Money Mortgage between Grantor and Lender, and Includes without limitalion all assignments and security Inlerest provisions relalfng to the Personal Property and Renls. Purchase Money Mor1gage, If any of the debt secured by this Security Instrument Js lenllo Borrower to acquire tille 10 the Real Property, this Securlly Instrument shall be II purchase money mortgage under 42 P.S. Section B141. Nole. The word "Note~ means the promissory note or credit agreement daled October 30, 1996, in the original principal amount of $43,000.00 from Granlor to Lender, together with all renewals 01, extensions of, modificajlons of, refinancings of, cons06dalions of, and substitutions for the promisscry nole or agreement. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST RATE. Personal property. The words "Personal Properly" mean all equipment, fixtUres, and cther art1dles of personal property !now or hereafter owned by Granlor, and now or hereafler attaChed or affixed 10 the Real Properly; together with all accessions, parts, and addilions to. all replacements of, and all subslilulions for, any of such property; and together with all proceeds (Including wlthoulllmltalion an insurance proceeds and refunds of premiums) from any sale or other disposition of the Property. Property. The word "?roperly~ means collectively the Real Property and the Personal Property, Real Property. The words "Real Property" mean the property, Interests and rights descrIbed above tn the "Granl of Mortgage~ section. Related Documenls. The words "Related Documenls" mean and Include wilhout Ilmllallon all promissory notes. credit agreements, loan. agreements, environmental agreements, guaranlles, security agreemenls, mortgages, deeds of trust, and all other Inslrumenls, agreements and documents, whether now or hereafter existing, executed in cannecllon with the Indebtedness. Renls. The word "Aents" msans all presenl and future rents, revenues, Income, Issues, royalties, prolils, and other benefits derived tram the t'ropartl" M",,-<<'}AQ.......-<ltlC'n ;11 "'","..., .-H- ~ . ~~~.j,~".;; ""<"~'-'--~""-""''-'~,".~~ MORTGAGE (Continued) Page 2 THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE ell PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF AlL OBLIGATIONS OF -G.RANTOR UNDER THIS MORTGAGE AND THE RELATED DOCUMENTS, THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE. Except as otherwise provided fn Ihis Mortgage, Granlor shall pay 10 Lender alf amounls secured by lhls Mortgage as Ihey become due, and shall slriclly perform all of Grantor's obllgations under thIs Mortgage. POSSESSION ANO MAINTENANCE OF THE PROPERTY. Granlor agrees that Grantor's possession and use of the Property shall be governed by Ihe following provisions: Possession and Use. Unlil In defaull, Granlor may remain In possession and control of and operale and manage Ihe Property and collecllhe Renls from the Property. Duty to Maintain. Grantor shall maintaIn the Property In tenanlabJe condition and prompl1y perform all repairs, repJacements, and maintenance necessary to preserve its value. Hazardous Substances. The terms "hazardous waste," "hazardous sUbslance," "disposal," "release," and "threatened release," as used in lhis Mortgage, shall have Ihe same meanIngs as set forlh In the Comprehensive Environmental Response, Compansation, and LIability Acl of 1980, as amended, 42 U.S.C. Section 9aOl, et seq. rCERCLA"), the Superfund Amendmenls and Reauthorization Acl of 1986, Pub. L. No. 99-499 ("SARA"), Ihe Hazardous Malerlals Transportatlon Acl, 49 U.S.C. Section t801, el seq" Ihe Resource Conservation and Recovery Act, 42 U.S.C. SecUon 6901, at seq., or othar applicable slale or Faderal laws, rules, or regulatJons adopted pursuanl to any of the foragoing_ The terms "hazardous waste" and "hazardous substance" shall also Include, without llmflation, pelroleum and pelroleum by-products or any fraction thereof and asbestos. Grantor represenls and warrants 10 Lender Ihal: (a) During the period of Granlor's ownership of the Property, thare has been no use, generallon, manufaclure, storage, trealmenl, disposal, release or threatened release of any hazardous wasle or substance by a.ny person on, under, about or from 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, manufacture, storage, Ireatment, disposal, release, or threatened release of any hazardous waste or substance on, under, about or from Ihe Property by any prior owners or occupants of the Properly or (ii) any aclual or threatened litigation or claims of any kind by any person ralallng 10 such mailers; and (c) Except as previously disclosed to and acknowiedged by Lender In writlng, (I) neilher Grenlor nor any tenanl, contractor, agent or other authorized user of the Properly shall use, generale, manufacture, store, treat, dispose of, or release any hazardous wasle or subslance on, under, about or from Ihe Property and (II) any such activily shall be conducted In compTlance with all appDcable federal, slale, and local laws, regulations and ordinances, Including without IJmltation those laws, regulallons, and ordil'1ances descrJbed above. Grantor authorizes Lender and lis agents to enter upon Ihe Property to make such Inspectlons and tests, at Granlor's expense, as Lender may deem appropriate to determine compliance of the Properly wilh this section of the Mortgage. Any Inspections or tesls made by Lender shall be for Lender's purposes only and shall nol be construed 10 creale sny responsibility or liablllly on the pari of Lender to Grantor or 10 any olher person. Tha represenlallons and warranties contained herein are based on Grantor's due dJllgence in Invesllgalfng the Property for hazardous wasle and hazardous subslances. Grantor hereby (a) releases and waives any future claims agalnsl Lender for indemnity or conlribution In Ihe evenl Granlor becomes liable for cleanup or oll1er cosls under'any such Jaws, end (b) agrees 10 Indemnify and hold harmless Lender againsl any and all claims, losses, liabilities, damages, penallles, and expenses which Lender may directly or IndIreclly sustain or sutfer l'esulling from a breach of this sectlon of the Mortgage or as a consequence of any use, generation, manufaclure, slorage, disposal, re]6as~; ':" threalened release occurring prior io Granlor's ownership or Interest In the Properly, whelher or not the same was or should have bean kno.... ,J '0 Grantor. The provisions of Ihls section of the Mortgage, Including the obligation 10 Indemnify, shall survive the payment of the Indebtedness and the satisfaction and reconvayance of Ihe lien of Ihls Mortgage and shall not be affecled by Lender's acqulslllon of any lnlerest in Ihe Property, whether by foreclosure or othelWise. Nuisance, Waste. Granlor shall not cause, conduct or permit any nuisance nor commll, permit, or suffer any stripping of or wasle on or 10 the Properly or any portion of Ihe Property. Without limiting the generality of Ihe foregoing, Granlor will not remove, or granite any other party the right 10 remove, any timber, mInerals Oncluding on and gas), soli, gravel or rock products wllhoullhe prior wrlllen consenl of Lender. Removal of Improvements, Grantor shall nol demolish or remove any Improvements from the Aeal Property wlthoulthe prior wriUen co.nsenl of Lender. As a condition 10 the removal of any Improvemenls, Lender may requIre Granlor to make arrangemenls satisfactory 10 Lender 10 replace such Improvements wlth Improvem~nts of at leasl equal value, Lender's Right 10 Enter. Lender and its agents and representatives may enler upon Ihe Aeal Property Bt all reasonable times 10 allend 10 Lender's Inleresls and 10 inspecllhe Properly ror purposes of Granlor's compliance wllh the terms and conditions of this Mortgage. Compliance with Governmental Requlremenls, Grantor shall prompily comply w1i.h a\llaws, ordinances, and regulaiions, now or hereafler in effecl, of all governmental aulhorilJes applicable 10 Ihe use or occupancy of Ihe Property, Grantor may contesl in good faith any such law, ordinance, or regulation end wllhhold compliance during any .proceeding, including appropriate appeals, so long as Grantor has notified Lender In wrillng prior to doIng so and so long as, In Lender's sole opinion, Lender's interesls In the Property are not jeopardized. Lender may require Grantor to posl adequate security or a surety bond, reasonably satisfactory 10 Lender, 10 protect Lender's Inlerest. Duty to Protect. Granlor agrees nellher to abandon nor leave unallended the Property. Granlor shall do all other acls, In addition to those acls set 10rth above in \his section, which Irom the cnarac\rar and use of the Properly are reasonably necessary \0 preted and preserve lhe Property. DUE. ON SALE - CONSENT BY LENDER, Lender may, at lis opllon, declare immediately due and payable all sums secured by this Mortgage upon the sale or transfer, withoullhB Lender's prior wrlllen consenl, 01 all or any part of the Real ProperlY, or any Inferestln Ihe Real Properly. A "sale or transler" means the conveyance of Real Property or any righi, IltIe_ or Interest therein; whether legal, beneficial or equitable; whether voluntary or Involuntary; whelher by oulrighl sale, deed, installment sale contract, land contract, conlracl for deed, leasehold interest with a lerm greater fhan three (3) years, lease-option contracl, or by sale, assignment, or transfer of any beneficial inlerestln or to any land frust holding title 10 the Aeal Property, or by any olher method 01 conveyance of Real Properly inlerest. If any Grantor Is a corporation, partnership or limited lIabimy company, Iransfer also Includes any change in ownership of more than twenty-live percenl (25%) 01 Ihe voting slock, parlnership inlerests or Iimlled liability company interests, as the case may be, of Grantor. However, Ihis option shall nol be exercised by Lender if such exercise is prohIbited by federal law or by Pennsylvania law. 1 An-i070 TAXES AND LIENS, The following provisions relating fo the faxes and liens on lhe Properly are a pari or lhis Mortgage, BOOK 3'i:D PAGE Payment, Grantor shall pay when due (and in all evenis prior 10 delinquency) all taxes, payrolllaxes, spec.ial laxes, assessments, water cha~ges and sewer service oharges levied against or on account of lhe PlOper1y, and shall pay when due all claims fer work done on or lor services rendered ef ma.lerial furnished \0 1he Property. Granlor shell maintain the Properly froo cl al\ 1iens having priority over or equa.l to the interest of Lender under lhis Mortgage, except ror lhe l1en of laxes and assessmenls nol due, and except as otherwise provided in the following paragraph. Right To Contest. Grantor may withhold paymenl of any tax, assessment, or claim In conneclion with a good faith dispule over Ine o?li~ali.on 10 pay, so long as Lender's interest in the Properly is not jeopardized. If a lien arises or is llled as a resull of nonpayment, Grantor shoJI wllhm lIf1ee~ (15) days efter the lien arises or, If a lien Is filed, wilhin fifteen (15) deys atler Granlor has nolice o'-Ihe filing, secure Ihe discharge of the l1e~: or If requested by Lender, deposil wlih Lender cash or a sufllclenl corporale surely bond or olher security sallsfactory to Lender In an amount sumClent 10 dIscharge fhe lien plus any QP$,!~ ~flt1 ~IlClrneys' ls?s or Qlh(lr (l!1arge$ that could accrlJe as ~ result of a foreclosure or 5aia under the Jlen. If) " , , " 1'. ~.. ~ -". ,mNi,- MORTGAGE (Continued) Page 3 any contest, Granlor shall defend Itself and Lender and shall salisfy any adverse judgment before enforcement againslthe Property. Granlor shall name Lender as an additional obligee under any surety bond furnished In the conlest proceedings. EVidence of Payment. Granlor shall upon demand furnish to Lender satisfactory evidence of paymenl of the taxes or assessments and shall authorize the appropriate governmental official to deliver 10 LElnder al any lime a wrlllan statement of Ihe taxes and assessmenls agalnsllhe Property. Notice of Conslruel/on. Granlor shall notify Lender at leasl fmean (15) days before any work Is commenced, any services are fUrnished, or any malerials era supplied to the Property, JI any mechanic's lien, materIalmen's lien, or olher Den could be asserled on account of the work, sElrvk:es, or materlals and the cost exceeds $5,000.00. Grantor will upon request of lender furnish to Lender advance aS$urances satisfactory 10 Lender thai Granlor can and will pay the cosl of such improvements. PROPERTY DAMAGE INSURANCE. The lonowlng provisions relaling to Insuring Ihe Property are a part of Ihis Mortgage. Maintenance of Insurance. Granlor shall procure and maintain poncles of fire Insurance w1lh standard extended coverage endorsemenls on a replacemenl basis for Ihe full insurable value coverIng all Improvements on the Real Property In an amount sufficlenl to avoid application of any coinsurance clause, and wilh a slandard mortgagee clause in favor 01 Lender. Policies shall be wri!len-by such Insurance companies and In such form as may be reasonably acceptable 10 Lender. Granter shall deliver 10 Lender cerUficales of coverage from eaeh InsurElf' containing a stipulation Ihat coverage will not be cancelled or diminished without a minimum of len (10) days' prior wrJllen notice 10 Lender and not containing any disclaimer of Ihe Insurer's lIabll1ty for failure to give such nolice. Each Insurance policy also shall Include an endorsement providing that coverage In favor of Lender will not be impaired in any way by any acl, omission or delaull of Granlor or any other person. Should the Real Property at any Ume become located In an area designaled by Ihe Director of the Federal Emergency Management Agency as a special lIood hazard area, Granlor agrees 10 obtain and malnlaln Federal Aood Insurance for the full unpaId principal balance of the loan, Up 10 the maximum polley limits set under the Nallonal Flood Insurance Program, or as otherwise required by Lender, and 10 maintain such insurance for the term of lhelean. Application of Proceeds. Granlor shall prompUy noUty lender of any Joss or damage 10 the Property If the esllmamd cas! of repalr or replacemenl exceeds $500.00. lender may make proof of loss If Granlor fa~s to do so wllhln fifteen (15) days of the casualty. Whelher or nol Lender's security Is Impaired, lender may, allls eleclion, apply the proceeds 10 the reduction of the Indebtedness, paymenl of any lien affecllng the Property, or Ihe reslorslion and repaIr of Ihe Property. If Lender elects to apply Ihe proceeds 10 resloralion and repair, Granlor shall repair or replace Ihe damaged or daslroyed Improvements In a manner satisfactory to Lender. Lender shall, upon satlsfactory proof of such expendllure, payor reimburse Grantor from Ihe proceeds for Ihe reasonable cost of repair or restoration If Grantor Is nolln default hereunder. Any proceeds which have not been disbursed wllhln 180 days after their receipt and which Lender has nol committed 10 the repair or restoration of Ihe Property shall be used tirsllo pay any amounl oWing 10 Lender under this Mortgage, Ihen to prepay accrued Inleres~ and Ihe remainder, il any, shell be applled to the principal balance of the Indebledness. If Lender holds any proceeds alter paymenl in full of Ihe Indebtedness, such proceeds shall be paid to Grenlor. Unexptred Insurance al Sate. Any unexpired Insurance shatllnure to the benefit of, and pass to, the purchaser of Ihe Properly covered by this Mortgage at any trustee's sale or other sale held under the provisions of Ihls Mortgage, or at_any foreclosure sale of such Property. EXPENDITURES BY LENDEH. If Granlor fatls to comply with any provision of Ihis Mortgage, or if any aollon or proceeding is commenced that would malerially affect Lender's Inle'.J-..'s in tha Property, Lender on Granlor's behalf may, bul shall not be required to, lake any action thai Lander deems appropriate. Any amounllh&.. ..ender expendS In so doing will bear Interest althe rale provided for In the Note from Ihe date Incurred or paid by Lender 10 Ihe dale of repaymenl by Granlor. All such expenses, al Lender's optlon, wlll (a) be payable on demand, (b) be added to the balance 01 the Nole and be apporUoned among and be payable with any inslaUmenl paymenls to become due during either (I} the term of any appticable Insurance policy or (ii) the remaining lerm of Ihe Note, or (c) be lrealed as a balloon payment which will be due and payable at the Note's maturity. This Mortgage also will secure payment of these amounls. The rights provided for In Ihis paragraph shall be in addlUon 10 any other rights or any remedies to which Lender may be enUlled on account of Ihe default. Any such action by Lender shall not be construed as curlng the default so as 10 bar Lender from any remedy that II otherwise would have had. Granlor's obligation 10 Lender for all such expenses shall survive Ihe entry of any mortgage foreclosure judgment. WARRANTY; DEFENSE OF TI1LE. The following provisions relal1ng to ownership of Ihe Property are a part of this Mortgage. Title. Granlor warranls thai: (a) Grantor holds good and markelable tllle of record 10 the Property In fee simple, free and clear of all liens and encumbrances other Ihan those sellorth In the Real Property descripllon or In any tlUe insurance policy, IIl1e report, or lina! Inle opinion issued in lavor of, and accepted by, Lender In connection wilh this Mortgage, and (b) Granior has the fuil right, power, and authority to execu\e and deUver this Mortgage 10 Lender. Defense of Title. SubJect to the excepUon in lhe paragraph above, Granlor warrants and willlorever defend Ihe !ille 10 Ihe Property against Ihe lawful claims of all persons. In Ihe event any aellon or proceeding is commenced thai questions Granlor's Iitle or the interest of Lender under this Mortgage, Grantor shall defend Ihe acllon al Grantor's expense. Granlor may be Ihe nominal party in such proceeding, but Lender shall be entitled to participate in Ihe proceeding and 10 be represenled In the proceeding by counsel of Lendetr's own choice, and Granlor will deliVer, or cause 10 be delivered, 10 Lender such instruments as Lender ~ay requS$1 from lime 10 time 10 permit suoh partiCipation. Compliance With Laws, Granlor warrants Ihal Ihe Property and Granlor's use of the Properly complies with all exlsllng applicable laws, ordinances, and regulalions of governmental aulhorities. CONDEMNATION. The following provisions rehlllng 10 condemnaUon 01 the Properly are a part of this Mortgage. Appllcation of Net Proceeds. If all or any part of Ihe Properly is condemned by eminenl domain proceedings or by any proceeding or purchase In Ijeu of condemnallon, lender may al its eleclion reqUire that all or any porlion 01 Ihe nel proceeds of Ihe award be applIed 10 the Indebledness or the repaIr or resloration allhe Properly. The nef proceeds 01 the award shall mean Ihe award after paymenl of all aclual cosls, expenses, and allorneys' lees incurred by Lender In connec\ion wilh the condemnallon. Proceedings. If any proceeding In condemnalion Is lIIed, Granlor shall promptly notify Lender In wrlting, and Grantor shall promptly lake such steps as may be necessary 10 defend Ihe action and oblain Ihe award. Granlor may be Ihe nominal party in suoh proceeding, but Lender shall be enlilled 10 participate in the proceeding and 10 be represented In Ihe proceeding by counsel of its own choice, and Grantor will deliver or cause 10 be de\\\lereo \0 lenoer such instr\.lffien\s as may be leqUBSleo by II 110m time to time \0 permi\ such parliclpatioo. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following provisions relal1ng 10 governmenlal laxe$, fees and charges are a part ollhis Mortgage: Currenl Taxes, Fees and Charges. Upon request by Lender, Grantor shall execute such documents in addilion to this Mortgage and take whalever other action is requesled by Lender 10 perteol and conlinue Lender's lien on lhe Aeal Property. Granlor shall reimburse Lender lor all laxes, as descrlbed below, logelher wilh ell expenses Incurred in recording, perfecling or conllnulng this Mortgage, Including wllhoul Jimliatlon all taxes, fees, dooumenlary slamps, and other charges for recordlno;l or registering this Mortgage. i "jA8 - l' rl71' BOOK _' '. rAGE. \. . - I, ~ . I I~ I ~ ~ ".", --~-' """'_>&'r'_~ MORTGAGE (Continued) Page 4 Taxes. The followIng shall consUtule taxes 10 which this seeUon applies: (a) a speclllc tax upon this type of Mortgage or Upon aU or any part of the Indebtedness secured by this Mortgage; (b) a specllic lax on Granlor which Granlor Is authorized or required to deduct from payments on the Indebtedness secured by this type of Mortgage; (c) a lax on this type of Mortgage chargeable against the Lender or Ihe holder of the Note; and (d) a specllic lax on aU Of any portion of the Indebtedness oron paymenls of principal and Interest made by Granlor. SUbsequent Taxes. If any lax 10 whlch lhis seelion apPYles is enacted subsequent to lhe date of Ihls Morlgage, this. evenl shall have the same eHect as an Event of Default (as defined below), and Lender may exercise any or all ollis available remedies for an Event of Default as provided below unless Grantor either (a) paYS the tax before It becomes aellnquent, or (b) contesls the tax as provided above In Ihe Taxes and Uens section and deposits with Lender cash or a sufficient corporale surely bond or other securlly satisfactory 10 lender. SECURITY AGREEMENT; FINANCING STATEMENTS. The following provislollS relating 10 Ihis Mortgage as a securlly agreement are a pari of this Mortgage. SecUrity Agreement. This Instrument shall constltule a security agreement 10 the extent any of Ihe Properly conslllutes lIx1ures or other personal property, and Lender shall have all of the rights of a secured party under the Uniform Commercial Code as amended from lime 10 time. Security Interest. Upon request by Lender, Grantor shall execule financing statements and take whatever olher aelion is requested by lender to perlect and corilinue Lender's security Int&8st In lhe Rents and Personal Property. In addition to recordIng thIs Mortgage In Ihe real property records, lender may, at any lime and without further authorIzation from Grantor, file execuled counterparts, copies or reprOdUCtions of lhis Morlgage as a financing statement. Grantor shall reimburse lender lor aR expenses Inourred in perfecling or continuing this securlly interes!. Upon default, Grantor shall assemble the Personal Property In a manner and at a place reasonably convenient to Granlor and Lender and make It available to Lender within Ihree (3) days after receipt of written demand from Lender. Addresses. The ma\ijng addresses 01 Grantor (debtor) and \.ender (seCUTed parly), from which lntormalion concerning the securlty in\erest granted by this Mortgage may be obtained (eaoh as required by the Uniform Commercial Code), Bre as slated on the first page of lhis Mortgage. FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following provisions relaling 10 further assurances Bnd ellomey-In-facl BrB a part of Ihis Mortgage. Further Assurances. At any limB, and from time to Ume, upon request 01 Lender, Grantor will make, execute and deliver, Of will cause to be made, executed or delivered, to lender or to lender's designee, and when requesled by lender, cause to be filed, recorded, rellled, or rerecorded, as the case may be, al such limes and in such oHices and places as Lender may deem appropriate, any and an suoh mortgages, deeds of frust, security deeds, security agreements, financing stalemenls, conlinuaUon statements. inslruments of lurther assurance, certificates, Bnd other documents as may, In the sole opinion of Lender, be necessary or desirable In order 10 effecluale, complete, perfect, continue, or preserve (a) Ihe obligations of Grantor under Ihe Note, this Mortgage, and the Rel~ted Documents; and (b) the liens and security Inlerests crealed by this Mortgage as first and prior rlSns on Ihe Properly, whelher now owned or hereafter acquired by Granlor. Unless prohibited by law or agreed to Ihe contrary by Lender In writing, Granlor shall reimburse lender for an costs and expenses incurred in conneclion wllh Ihe mailers referred to In thIs paragraph. Attorney...ln-Facl. If Gr.1ntor lails to do any of the lhings referred to in Ihe precedIng paragraph, Lender ma.y do so for and In the name of Granlor and al Grantor's elfpense. For such purposes, Granlor hereby irrevocably appoinls Lender as Granlor's attorney-in-facl for the purpose of making, executing, d"~:''€ring, filing, recording, and doing all olher Ihings as may be necessary or desirable, In lender's sole opinion, 10 accomplish the mailers r.,'~ red to in Ihe preceding paragraph. FUll PERFOFtMANCE. If Grantor pays all the Indebtedness when dUe, and otherwise performs alllhe' obligaUons imposed Upon Grantor under this Mortgage. Lender shall execule and deliver to Granlor a suilable sallsfaction of Ihis Mortgage and suitable slatemants of lermlnellon of any financing statement on file evidencing Lender's security intereslln the Rents and Ihe Personal Property. Granlor will pay, If permllled by applicable law, any reasonable lermlnatlon fee as delermlned by Lender from lime 10 time. DEFAULT. Each of tha following, at the option 01 Lender, shall consUMe an evenl 01 defaull ("Event 01 Default") under this Mortgage; Default on Indebtedness. Failure of Granlor to make any paymenl when due on the Indebledness. Default on Other Payments. Failure of Grantor wllhin the tlfl'\6 required by this Mortgage to make any payment lor taxes or lnsutance, or any olher paymenl necess!l.ry 10 prevent filing of or to effect discharga of any lien. Compliance Default. Failure of Granlor 10 comply with any olher lerm, obligation, covenant or condllion contained In this Mortgage, Ihe Nole or In any of Ihe Aelaled Documents. . False Statements. Any warranly, represental10n or slatement made or furnished 10 Lender by or on behalf of Granlor under this Mortgage, the Nole or the Related Documents is false or misleading In any matarial respect, ellher now or al the time made or furnished. Defective Collaleralizatlon. This Mortgage or any of Ihe Related Documents caases to be in lun force and effect (including fallure of any oollaleral documents to create a valid and perfecled security Inlerest or lien) at any lime and lor any reason. Death or Insolvency. The death of Granlor, the insolvency of Granlor, Ihe appointment of a receiver for any pari of Granlor's property, any assignment lor the benefit 01 credllors, any type of credlior workoul, or lhe commencement 01 any proceeding under any bankruptcy or insolvency laws by or against Granier. Foreclosure, ForfeJlure, elc. Commencement of foreclosure or forfeiture proceedings, whether by JudIcial proceeding, self-help, repossession or any other method, by any crednor of Grantor or by any governmenlal agency agalnsl.any ollhe Property. However, this subsection shall nol apply In. the evenl of a good lailh dispule by Granlor as to Ihe validlly or reasonableness ollhe claim which is Ihe basis of Ihe foreclosure or forefellure proceeding, provided Iha! Granlor gives lender wrtllen notice 01 such claim end turnishes reserves or a surely bond lor Ihe claim salisfactory to lender. Breach of Other Agreement. Any breach by Grantor under Ihe lerms of any other agreement belween Grantor and Lender Iha! is nol remedied within any grace period provided therein, Including withoullimllalion any agreement concerning any indebtedness or other obligation of Granlor 10 Lender, whether existing now or later. Events Affecllng Guarantor. Any of Ihe preceding events occurs wlth respect to any Guaranlor of any of the Indeb!edness or any Guarantor dies or becomes incompelenl, or revokes or disputes the validity ot, or llabilily under, any Guaranty of the Indebledness. Insecurity. lender In good lallh deems itself Insecure, R.IGHTS AND REME01ES ON DEFAULT, Upon the occurrence 01 any Ellant 01 Delault and at any time thereafter, Lender, al ils oplion, may exercise anyone or more 01 the toll owing rIghts and remedIes, in addition to any olher rights or remedies prollided by law: Accelerate Indebtedl1ess. SUbject 10 applicable law, Lender shall have the right at its oplion wilhout nolice to Granter 10 decrare the enure Indebtedness immediately due and paYEible. . - -- .~-- lUll , " " " ",'. ~ ~-ij~'$) .."..~.,~,,-...- '---'-."'''''' ~~~'-""~~~""""""""'~~.'-~~~-'-'~-. MORTGAGE (Continued) Page 5 ucc Remedies, With respect 10 all or sny part of the Personal Property, Lender shall have alllhe rights and remedies of a secured party under the Uniform Commercial Code. Collect Rents. Lendar shall have the righI, without nollce to Grantor, to take possession of the Property and collect the Renls Including amounts past due and unpaid, and apply the nat proceeds, over and above Lender's costs,_agalnst the Indebtedness. In furtherance ~f this right,- Lender may require anyfenanl or olher user of the Properly 10 make payments of rent or use lees directly to Lender. If the Rents are coUected by Lender, then Granlor Irrevocably designates Lender as Grantor's attorney-In-facl 10 endorse Instruments received In payment Ihereof In the name of Granlor and 10 negollale Ihe same and coUecl1he proceeds. Payments by tenants or other users to Lender In respGf\SQ to Lentler's demand sha\\ sallsly Ihe obligations lor which Ihe payments are made, whether or nol any proper groundS for the demand exlsled. Lender may exercise Its rights under this SUbparagraph either In person, by agenl, or through a receiver. Appoint Receiver. Lender shall have the right to have a receiver appointed 10 take possession of ell or any part ollhe Property, with the power to prolecl and preserve the Property, 10 operate the Property preceding foreclosure or sale, and to collect the Rents from the Property and apply the proceeds, over and above lhe cost ollhe receIvership, againstlhe Indebtedness. The receiver may serve wllhout bond If permitted by law. Lender's right to the appointment of a receiver shall exist whether or not the apparenl value of Ihe Property exceeds Ihe Indebtedness by a substanlial amounl. Employment by Lender shall nol dlsquallrya person from serving as a recaiver. Judlc.rat Foreclosure. lender may oblaln a jUdIcial decree foreclosing Granlor's inlerestln all or any part of the Property. Nonjudicial Sale. If permllled by applicable law, Lender may foreclose Grantor's interest in all or In Bny part of the Personal Property or the Real Property by nonjudicial sale. Deflcl,ency Judgment. Lender may obtain a Judgmenl for any deficiency remaining In the Indebtedness due to lender after applical/on of aU amounts received from Ihe exerc1se ollhe righls provided in this section. Tenancy at Sufferance. If Granlor remains In possession of the Properly arter the Properly Is sold as provided above or Lender otherwise becomes enlilted 10 possession of the Property upon default of Granlor, Granlor shall become a lenant at sufferance of Lender or the purchaser of the Properly and shall, at L8Ilder's oplion, either (a) pay a reasonable renlal for the use of the Property, or (b) vacale the Property Immediately upon the demand of Lender. other Remedies, Lender shall have all olher rlghls and remedies provided In Ihis Mortgage or the Nole or available at law or in equity. Salt of the Property. To the exlent perm/lied by applicable taw, Granlor hereby waives any and air right to have the property marshalled. In exercising lis rights and remedies, lender shan be free 10 sell all or any part of the Properly together or separately, In one sale or by separate sales. lender snail be en\itled to bid at an,! pUblic sale on a\l 0\" any porikm of the Properl'J. Notice of Sale. Lender shall give Grantor reasonable nolice of the lime and place of any public sale of the Personal Property or of the tima after which any private sale or other Inlended disposiIJon of Ihe Personal Property Is 10 be made. Unless otherWise required by applicable law, reasonable notice shall IT.28n nolice given at leaslten (10) days before the lime of-Ihe sale or disposition. Wa\ltefi BecUon of Rer\'i/'~les. A waIver by any party 01 a breach 01 a provision of thIs Mortgage shall not constitu\e a waIver of or "P-!'ejudice lhe perly's rights otherwise I., ,. !mand slrlct compliance wllh Ihal provision or any olher provision. 'Elecllon by:;Lender to pursue any remedy shall nol exclude pursull of any olner remedy, and an elecllon to make expenditures or lake aclion 10 perfonn an ob,lIgaUdn of Granlor under this Mortgage after failure of Grantor 10 perform shall not affect Lender's righl to declare a default and exercise ils mmedjes und~r this Mortgage. Attorneys' Fees; Expenses. If Lender Instllules any sull or scllon 10 enforce any of Ihe lerms of Ihis Mortg,gge, Uender shalt be enlllled to recover such sum as Ihe court may adjudge reasonable as attorneys' fees at trial and on any appeal. Whelher or no~ any court action Is involved, ail reasonable expenses Incurred by lender lhat In Lender's opinion are necessary at any lime for the protecl~on of! lis Inlerest or the entorcemenl of lis rlghls shall become a part of the Indebtedness payable on demand and shall bear Interest from the date of eXpendilure unlit repaid at the rale provided for in the Note. Expenses covered by Ihis paragraph Include, wllhotJtllmllalion, however sUbJ~clto any llmlts under applicable law, Lender's attorneys' fees and Lender's legal expenses whether or not there Is a lawsuit, Including allomeys' fees tor bankruptcy proceedings (Including efforts to modify or vacale any auto malic stay or Injunction), appeals and any anticipaled post-judgment collection services, the cost of searching records, obtaining U1le reports (Including foreclosure reports), surveyors' reports, and appraisal fees, and tille Insurance, to the extenl permitled by applicable law. Grantor also will pay any court costs, In addition to all other sums provided by law. NOTICES TO GRANTOR AND OTHER PARTIES. Unless olherwise provided by applicable law, any nollce under this Mortgage shall be in wrlllng, may be be sent by telefacs\milie, and shall be alteclive when aclua"y de\\\Iered, or when deposited with a nalionally recognIzed o....ernight courIer, or, 11 mailed, shall be deemed effective when deposlled in the United Stales mall flrsl class, certified or registered mail, postage prepaid, diracled 10 the addresses shown near the beginning of this Mortgage. Any party may change Its address for nollces under this Mortgage by giving formal wrillen nollce to the other parties, specifying lhatlhe pUrpose 01 the notice is 10 change Ihe party's address. All copies tif nolices 01 foreclo~ure from the holder of any lien which has priority over this Mortgage shall be senllo Lender's address. as shown near the beginning of this Mortgage. For nollce purposes, Grantor agrees to keep lender Informed al all times 01 Gran\o~s current address. MISCELLANEOUS PROVISIONS. The following mIscellaneous provl,sionll EIre a part of Ihis Mortgage: Amendments. This Mortgage, logelher wllh any Related Dccumenls, conslllutes Ihe enlire understandIng and agreement of the parties as to the mailers sel forth In thIs Morlgage. No alteration of or amendmenllo Ihls Mortgage sball be effecllve unless given in wriltng and signed by Ihe party 'or parlies sough\ \0 be oharged or bound by the allera\\on or amendment Applicable law, This Morlgage has been delivered to Lender and accepted by Lender In the Commonwealth of Pennsylvania. This Mortgage shall be governed by and construed In accordance with the laws of the Commonwealth of Pennsylvania. Caplton Headings. Capllon headings in this Mortgage are for convenience purposes only and are nol to be used 10 Interprel or define tne provIs10ns ot this Mortgage. Merger. There shall be no merger of the Interest or eSlale created by Ih!s Morlgage wilh any olher inleresl or estate In the Property at an~lIme held by or for Ihe benefit of Lender In any capacily, without lhewrJllen conseni of Lender. BOOK1348 PAGE10-'3 Multiple Parties, All obligallons of Grantor under this Mortgage shall be joint and several, and all references to Granlor shall mean each arld every Granlor. this means that each of the persons signing below IS responsTble lor alt obngalions 1n this Mortgage. Severability. If a court of competent jurisdiction finds any provision of this Morlgage 10 be Invalid or unenforceable as to any person or circumstance such finding shall not render lhat provision Invand or unenforceable as 10 any olher persons or clrcumslances. Jf feasible, any such offendIng pro~ISlon shall be deemed 10 be modified to be within the limns of enforceabiJily or valldlly; however, if the offending provision cannol be so modll1ed, 1\ shall be s\rlcken and all olhar provisions m this Mortgage In all other respecls shall remain veRtI and enjorceable. Successors and Assigns. S,~pl@9t!~ !h~ Ilrnilallo~ ~tl1t~R l~ tbl~ Mortgage on transfer 01 Granlor's inierest, this Mongage shall be bihding upon 'I, .,>< " I 'tlll"f.-j, MORTGAGE (Continued) Page 6 and inure 10 Ihe benefil of Ihe parties. Inerr heirs, personal,represernat!ves, successors and asstgf\S. If ownership of the Properly becomes ~ed In a person other than Granlor, lender, wilhout notice 10 Granlor, may'deal wilh Granlor's successors with reference 10 Ihls Mortgage and Ihe Indebledness by way of forbearance or -extension wllhoul releasing Grantor from Ihe obllgallons of this Mortgage or lIabDlly Under Ihe Indebtedness. Time Is of the Essence. 11me Is of Ihe essence in the performance of this Mortgage. Waivers and Consents. Lender shall not ~e deemed \0 have waiVed any rlgh1s under lhis Mongage (or under the Related Documents) unless such waIver is In wrlllng lI:nd signeq by lender. No delay or omIssion, on Ihe part of Lender In exercising any right shall operate as a walVilr of such rIght or any olher rlghl. A waIver by ~my pany of a provIsion of thIs Mortgage shaD nol conslilule a waIVer of or prejudice the party's righl otherwise 10 demand strict complla~ce wllh!thal provision or any other prOvisIon. No prIor waiver by lender, nor any course of dealing belWeen lender and Grantor, shall'consutut~ a waiver of any of lender's rights or any of Granlor's oblfgallons as 10 any future IransacUons. Whenever consenl by Lender Is requIred In this Mortgage, Ihe granllng of such consenl by ll1nder In any Instance shall not conslllule continuing consent 10 subsequent Instances where such consent Is required. EXHIBIT A. An eXhlbll, tilled ''Exhibit A,~ Is atlached to this Mortgage and by Ihls reference Is made a part of this Mortgage just as If all the provisions, terms and condllions of Ihe ExhIbit had been fullr set forth in Ihls Mortgage. EACH GRANTOR ACKNOWLEDGES HAVING, READ ALL THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS TERMS. GRANTOR: ~.~. '.. .!_,-~...~.4......- ,0 ~. ",/ !...I.... ,,,. x~"",----'--.-O~~~.... Ie L. RUda .,~ ':-:"~~~l x Slg d, acknowledged and (2. Al <;"1) the presence of: ~ Witness x Ob<Tl<:f Witness CERTIFICATE OF RESIDENCE I hereby carUly, thallhe precise address ef lhe mOr)gagee, Ananclal Trust Company, herein Is as follows: One West High Street, Cartlsle, PA 17013 A\tor~'Joirl\\lent\orM~~1l INDIVIDUAL ACKNOWLEDGMENT ....:::""... .... STATE OF f~9..\ll'-'^:"_ COUNTYOF~~ .,.,. ......:., .,' .', ) ~~.,- ~~.. ,"~ ,.) .....,~-~ )SS 2.;; . C, \:1, ~.: .:'.~. ~,: " " I \,,' ;{~t' .1_:/ . ", ~ 11;.t - "' u- \">:';':'::~:,i~..':- -'....(>' On lhls, Iha 30 day 01 Qrx' ,19'1(, ,balora m.&€:OR.G'(. r. OCU.&<Al, ....:. ...., Iha undersigned Nolary PUblic, personally appeare Joseph S. RUda and Terl1 L. RUda, known to me (or salisfaclor~y _proven) Io"be.,~,p'erson whose names are subscribed to the wllhin Instrument, and acknowledged Ihat Il:1ey execuled .the same for Ihe purposes Iherein contained. In witness whereot,l here I GEORGE F. DOUGlAS, m NOTARY PUBLIC CARLISLE BORD. CUMBERLAND COUNl'I MY COMMISSION EXPIRES JUNE 26, 1999 ,~r-.~~. Notary Public In and for the Slale of Po- . LASER PRO, Reg. U.S. pat. & T.M. Of I.. Ver. 3.22D (e)' 996CFl proServlees.lnc. All rIghts reservlld..IPA.G03 RUOAJOS.t.N R2S.0VLI Bood348 PAGEi074 , 'I ~,.j ~ , L'I ,&t-l;.:_ Exhibit "B" -. .., --I . , '-"-":~!\,~ PROMISSORY NOTE BOI rower: Joseph 5. Ruda Terr' L. Ruda 65 Derbyshire DrIve Carlisle, PA 17013 Lender: Ananclal Trust Company Main Office One Wesr High Slr.eet Carlisle, PA 17013 Principal Amount: $43,000.00 Date 01 Note: October 30, 1996 PROMISE TO PAY. I promise to pay to FinancIal Trust Company ("Lender"), or order,ln lawful money of the Untied States Of Amerfca, the prlnctpal amount of Forty Three Thousand & 00/100 Ooltars ($43,000.00), together with Interest on fhe unpaid principal balance from Oclober 3D, 1996, unUI paid In full. The Interest rale will nollncrease above 12.000%. PAYMENT. Subject to any paymenl chan~es resulllng from changes In the Index, I will pay this loan In accordance with the following payment schedule: 12 consecutive monthly prtnclpal and Interest payments of $436.14 each, beginning November 3D, 1996, with Inlerest calculated on the unpaid prIncIpal ~.alances at an Interest rate of 9.000% per annum; and 168 consecutive monthJy principal and Interest payments In the Inlllal amount of $455.55 each, begJnnlng November 30, 1997. with Interest calculated on the unpaid princIpal balances at an Interest rate of 4.500 perce.nlage points over the Index ,descrtbed below. My flnal payment 0'-$455.55 will be due on October 30, 2011. This estImated nnal payment ts based on the assumption that all payments will be made exactly as scheduled and Ihatlhe Index does not change; the actual Dnal payment will be for all principal and accrued Interest not yet paid. together wllh any other unpaid amounts under this Note. I wlll pay Lender at lenders address shown above or at such other place as Lender may designate in wrlUng. Unless otheMise agreed or required by applicable law, paymenls wID be applied "rsllo accrued unpaid Interest, then to principal, and any remaining amount to any unpaid collecllon cosls and late charges. VARIABLE INTEREST RATE. The Interest rate on this Note Is subject 10 change from lime to Ume based on changes In an Independent Index which is the Monlhly average of weekly average auclion rales on _ Unlled Slates Treasury SOls wllh a maturity of six months. (the "Index"). The Index Is nol necessarily the lowest rale charged by Lender on Its loans. If the. Index becomes unavaUable. during Ihe term 01 this lOan, lender may designate. a substltute index- after notice 10 me. Lender will tell me the current Index rate upon my request. I understand that lender may make loans based on other rates as well. The Inleresl rate change will 1'101 occur more often than each year. The Index currenuy ls 5.2.90% per annum. The Interest tate or rates to be applied to the unpaId principal balance of this Note wm be the rale or rates set forth above In the .Payment" secUon. NotWithstandIng any other provision of thts Note, the variable Inlerest rate or rates proVided for In this Note will be sliblect 10 the following maximum rale. NOTICE: Under no clrcumslanoes wllllhe Inlerest rale on this- Note be more than Ihe lesser of 12.000% per annum or the maximum rale allowed by applicable law. ~otwfthslanding Ihe above provisions, the maxImum IncreEise or decrease In the Inlerest rale at anyone lime on this loan will not exceed 2.000 pI It nlage points. Unless waived by Lender, any Increase In the Interest rate will Increase the amounts of my payments. PREPAYMENT. I agree Ihal allloao fees and olher prepaid finance charges are earned fully as of Ihe dale of the loan and will not be SUbJect 10 refund upon early paymenl (whether Voluntary or as a result of default), except as otherwise required by law. Excepl for the foregoing, I may pay wllhouf penalty all or a portion of Ihe amount owed earlfer than Ills due. Early paymenls wID nol, unless agreed to by lender In writing, relieve me 01 my obligation to continue to make payments under the paymenl schedule. Rather, they wDi reduce the prinCipal balance due and may result.ln me making fewer payments. lATE CHARGE. I' a payment is 15 days or more late,1 will be charged 5.000% of the regUlarly scheduled payment. DEFAULT. I will be In default If any of Ihe followIng happens: (a) I fall to malte any payment when due. (b) I break any promise I have made to Lender, or I fail to comply with or 10 perform when due any olher lerm, obligation, covenant, or condition conlained in thls Note or any agreement related 10 this Note, or In any olher agreement or loan] have with Lender. (c) Any representation or stalement,made or furnished 10 Lender by me or on my behalf Is false or misleading In any malarial r8specl either now or at the time made or furnished. (d)' die or become InsolVent, a receiver Is appoInted for any pari 01 my property, I maka an assignment for the benefit of credllors, or eny proceeding Is commenced ellher by me or against me under any bankruptcy or Insolvency laws. (e) Any credilor tries to take any of my property on or 10 whIch lender has a Uen or securlly Interest. ThIs Includes a garnishment of any of my accounls with lender. (I) Any oflhe events descrIbed In this default saclfon occurs with respect to any guarantor of Ihls Nole. (9) Lender tn good lallh deems Itself Insecure. LENDER'S RIGHTS. Upon default, Lender may, after glving such noUces as required by applicable law, declare the entire unpaid principal balance on this Nole and aU aqcrued unpaid.lnterest Immedialely due, and then I will pay Ihat amount. Lender may hire or pay someone else to help co1Jecllhls Nola if I do no! pay. 1 also wl1l pay lender Ihat amount. This includes, sUbJeclto any IImlls under applicable law, lender's allorneys' fees and lander's legal expenses whelher or nolthere is a lawsuit, Including attorneys' fees and legal expenses for bankruplcy proceedings (Including efforts 10 modIfy or vacate any automatic slay or injunction), appeals, and any anticipated post-judgment collection services. If nol prohibited by applicable law, I also will pay any court costs, In addition to all other sums provided by law, If JUdgment is entered In connection with this Note, Inlarest wl1l conlinueJo accrue on this Note after Judgment at the Interest rate applicable to Ihls Nole althe tlma judgment Is enlered. This Note has been delivered to Lender and accepted by Lender In the Commonwealth of Pennsylvania. If there Is a lawsUit, I agree upon Lender's request to submit to the ,JurisdIction of the courts 01 CUmberland Counly,lhe Commonwealth of Pennsylvania. This Note shall be governed by and construed In accordante with the laws of the Commonwealth of Pennsylvania. RIGHT OF SETOFF. I grant 10 l!JndClr ~ cQntractual possessory sec;urily Inlerest in, and hereby assign, convey, deliver, pledge, and transfer to Lender all my righi, title and interest in and to, my accounts wllh Lender (whether checkIng, savIngs, or some other account), Including wlthoulllmllation all accounls held jolnUy with someone else and all accounts I may open In the tulure, excluding however all IRA and Keogh accounls, and an Irust accounts for which the granl of a security Interest would ba prohibUed by laW. I aulhorize Lender, 10 the exlenl permitted by applicable law, to charge or seloff all sums OWing on Ihls Nole against any and all such accounts. COLLATERAL. This Nole Is secured by a MorlgaQe dated October 30, 199B, 10 lender on real property located in Cumberland County, Commonwealth of PennsylvanIa, alllhe terms and condlllons of which are hereby Incorporated and made a pari of Ihls Nole. 'J , ~ ~ , .'~ " '""'"~' :', PROMISSORY NOTE (Continued) ,t~~ Page 2 r. GENERAL PROV1SIONS. Lender may delay or forgo enforcing any 01115 rlgh1S or remetlles under this No\e without losing \ham. I and any o\her person who signs, gU8ranlees or endorses this Nole, to the extent allowed by law, waive presentment, demand for payment, prolest and nolles of dishonor. Upon any change jn Ihe lerms of this Note, and unlass otherwise expressly slated in wrlUng, no party who signs IhlS Note, whelher as maker, guarantor, accommodallon maker or endorser, shall be released from UablfJty. All such parUes agree thai lender may renew or extend,(repeatedly and for any length of time) this loan, or release any party or guarantor or collateral; Of Impair, fall to realiza upon or perfect Lender's security Inlerestln Ihe collaleral; and take any other acllon deemed necessary by lender without the consent 01 or notice to anyone. All such parties also agree lhal Lender may modify Jhis Joan wllhoullhe consenl of or notice to anyone other Ihan the party with whom Ihe modlDcation Is made. The obligations under this Note are Joinl and several. This means that Ihe words ~J", "me", and "my" mean each and all of Ihe parsons signing below. PRIOR TO SIGNtNG THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD ALL THE PROVISIONS OF, THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. I, AND EACH OF' US, AGREE TO THE TERMS OF THE NOTE AND ACKNOWlEDGE RECEIPT OF A COMPLETED COPY OF THE NOTE. BORROWER: x~~IW.~~*f.~fif@~~~~~."M4\iff;*&.i;'"'t$.fi@t Variable Rale. Irregular. LASER PRO; Reg. U.S. Pat.llo T.M. 011.. Ver. 3.22b (cll0SS eFI ProServleea, Illc. Allrlghla res8l"ved. IPA-D20 Fa22a AUOAJOS.LN R25.0VLj 1,'1 Exhibit "C" , " I'~I , .", "j - .- ,- ~' - -, " -~'ttii~'b- ~'~ ~ _I' 1 j ;,,< '" I..",~ EXHIBIT A Borrower: Joseph S. Ruda Terri L. Rudu 65 Derbyshire Drive Carlisle, PA 17013 Lender: FinancIal Trust Company MalnOfflce One West HIgh Slreet CarliSle, PA 17013 This Exhlbll A Is attached to and by this reference Is made a part of each Deed of Trust or Mortgage, dated October 30, 1996, and executed In connecUon wlth a loan or other financIal accommodations between FlnancJaI Trust Company and Joseph S. Ruda and Terri L. Ruds. ALL that certain tract ofland with the improvements tbereoa a1lUa1llln Low... Frankford Township. Cumberllllld County. PeanlIylvenla, bouaded IIIId dOlCribed accotdlng to a plan prepar.d by Larry V. N.idling.... P.E.. R.S.. dated Novemb... 5, 1987, and reconlod in the om"" oflhe Recorder of Deeds for Cumberland County In PllIII Book 55, Page 95, sa follows: BEGINNING at a point in T-458 (gravel road) at the centerline ora private gravel road; thence along the private srave1 road the IbUowIng live coursea and distances: I.) North 30 degrees 05 minutes 36 socondsEat, a distance oC26.57 feet; 2.) North 47 dfgrees 12 minutes 14 ,..ond, East, a distance of 28.73 feet; 3,) North 49 degrees 22 minutes 51 second, East, a distllllc. or3fJ.16.rli~; 4.L1~orth 59 degrees 40 minutes 59 seconda East, a dI,stance of 110.22 feet: and S.) Nort,,' II d.gr... 52mim1lCIIll _...... _........,.oC383.14I1:clto an lraa pin: thonco along lands of Glenn Youag, South 39 degreea 07 minWOl 49 aeconds East, a' distance of 234.17 feet to 11II Iran pin; tbonee aloag the ....a, South 63 degrees 22 minutes 33 seconda West, a dlslllll"" of 609.94 feet to a spike; tIumou sloag T-458 (gravel road). North 27 degrees IS minutes 00 seconds West, a distance of 116.07 1Io.t to a poin~ the Pla.e of BEGINNING. CONTAINING 2.381 a..... and belng designaled 81 Lot No.5 on the Plan of Glenn L. Young. BEING the same premises conveyed by Ricky L. Young & Theresa M. Young, his wife, and Dennis S. Showaker & Kimberly S. Showaker, his wife, by deed of even date and intended to be recorded simultaneously herewith in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, unto Joseph S. R~da and Terri L. Ruda, his wife, the Mortgagors herein. THtS EXHIBIT A IS ~ECurEO ON OCTOBER 30, 1996. x~~~Jj~~~;r'-:~~'~'~^,'''~~.~J! LENDER: FlnanCI~!1rust com~, ny de ' By: (j/lv.t. "fJ .,,/' ",,(_aNr~.--G Aulhorlzed Officer Bo0Ki348 PAGE1075 I AQ"''''' " ~"n II!" I"~l ... 't Jut 0 . vllr,: .l!a Illl 9 'c >""";tn/icas, 1M,' ~I r.lQr.llI;teurveri. r>^~G6GF3.2j!AUDAJOS.LN A25.0VLj "c Exhibit "D" , ~ " of~1 ,,'^ " ,-"-< .'iwliil.rr~ M M '" 0'" ~ . '" O!!J ~ " ~ . ! ~ '" 8 rl 3 '" "0 ODH " ." ~ . o 0 "" zo" "'g p :2 "" rJ),l.l1ll'\:l . " ." " '" '" .lJlIlll-fCll ""0 . "'" "" " '" 15", o.Orl Vltn.ulll . . "'0 5 H _'" "'0 g 0 " 0 . ." . .ri Vl.;.l-... OH ~~~ 0:;: ~ lI1\.1C1lO') .lJO <t-I~l-Illl '-/.lJctlv "''' "' h .r:l,a..lJ ~-.-I lH mrnm rlO . 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" "'::;; ~ta >c" ~ '" ~- & l ~ W' ~ I ~ I ~~i "c"-U I ~ I ~ ~O ,J, ~ r- o. w~ d :;g (2 f~;o ~" ~f ~~ ~(E'g,~ cr J~li i!ii ~i .~, c-1\'1---!g I~ ~I ~l ~j - -C:: '-+- ". "~ I' ~I Je.--F ~ ~ i ~~ i' Jj ~! ~~ c5l < ~ e Ii~ h 'z '. ~'g il ~, ~l ~- 9LLL 9050 ~62~ ~L5h ~D1L 1 i~LL I ~OSO rb2~ SLSh 90rL ~r() w ~~~p f&~c$ ~ vl J,:i 1~ f1 postage Cel1ifledfBB Return ReceIpt Fe~ !~.~ Aesttictad Oenvery Fee [Endo"""".nlP.<llI""(l) $ Totlll posta!Je & fees : --..J~~ s4<h.cU- ]. W i . ~h~1 - E\~'I ~l ~ I ~J: ~ I \i I "c:> I ~I col . r- i !o-- ~l ~l Ii ~"1 . ~'~I ~ p:~ OJ ~n. ~ I ~ .. . o . ~ d I ~ ~cf" ~ ':t-;) ..J &';;;' J~~ o . ~ <5 ~ E & . . 9DSO t62~ SLSh 901~ ,3 - HerB __l '. c<1 <l \" ~ , -- ~ " . ~ I~ d~"'''' ~ "'-j ~j'M; - 0' , J"...k' .' " Exhibit "E" " . -~ ,,~.c> f_o' . - . H'~, ""l'"illll ~ ~ c, I. ~..-- ._f I ; ";_,,,,,-'_"^'''-''_I''_~,; _.'~..-. , . . NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 V.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 wliting the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verificatioD 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 the creditor's law firm within the t.hi1ty (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. . "'. " ~"" 1""""'---' ~".~ '."h~..~" 'j""rrill''''1nff'''':'< 'e--"~-.-J,;<';" ~'''''4",,;J> '~:"_'o_'" -""'''''1 ,.~ '1f I 'F"'''''''~''''''-''"'~>'''''''' '" ....... .,~-" , ,_.. ~o 'w ~1- \ .~ , ~ E . :r: tW i 5 ~Of\i", ~ ~'-t! Q. ~ - : ~. 1S .. '''.Y "',,~~IFF """J(;E '" _ "" VH ,- "':'IITY cv~~ I JUl 9 3 17 Pii '01 L PI -j .j".,-'I[ ,)A;:~J/\ t I~'i; 1 ,---' I M.1 f'""'\, ~ffMd]~$ ~fli&~~ CI-:f '~ . . H:%W!II! . ;"'l:'i7~!"'f>_'$:Wii'''P,:'~I",' -c;;'ill1!'W!i:ffi'M!IWI!!l'~ ~~,'f",ilf-'"f@_.__ ~~~I~IH'i'~\1~~ ~M,d:J!mJ nllifl'~~ ,.0,"'1<'''-',''0 ~_..,~~~" ~.~'~~ ~ ~ > I -~-_ItOOl~';illI<Ji~ SHERIFF'S RETURN - REGULAR CASE NO: 2001-03082 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MANUFACTURERS AND TRADERS TRUS VS RUDA JOSEPH S ET AL DOUGLAS DONS EN , Sheriff or Deputy Sheriff of Cumberland County,pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon RUDA JOSEPH S the DEFENDANT , at 2028:00 HOURS, on the 31st day of July , 2001 at 945 DOUBLING GAP RD NEWVILLE, PA 17241 by handing to TERRI RUDA, WIFE a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.45 .00 10.00 .00 36.45 So Answers: ?"~~ R. Thomas Kline 08/01/2001 SPEAR & HOFFMAN Sworn and Subscribed to before By: a~~ Deputy Sheriff me this I, ~~~ day of (Jut'../' 02A-v1 A.D. ~,u~Q.~~ othonotary . . , ~ k ,~ . I, I '. _f - I ," ~- " - - ~ -,,"~;,. - ""'>i' , , ~. ,. f INRE: Manufacturers and Traders Trust Company Successor by Merger with Keystone Financial Bank, N.A., Successor in Interest to Financial Trust Company IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Docket No.: 01-3082 Civil Term Vs. Joseph S. Ruda and Terri L. Ruda ANSWER TO A COMPLAINT AND NOW come the Defendants, Joseph S. Ruda and Terri L. Ruda, by their Attomey JAMES M. BACH and files the within Answer to a Complaint to determine dischargeability of a debt: 1. ADMITTED. 2. ADMITTED. 3. 3-12. DENIED. After reasonable investigation, the Defendant is without knowledge and information sufficient to form a belief as to the truth of these averments. WHEREFORE, The Defendant herein, prays that this honorable court dismiss this Complaint. RESPECTFULLY SUBMITTED: DATE: September 4, 2001 ~ S M. BACH, ESQUIRE orney I.D. No. 18727 352 S. Sporting Hill Road Mechanicsburg, P A 17055 (717) 737-2033 ~~i"il".l<l~~~i'"I~#i!lwiJ;t;.~ili,~\O!Oj:.:..q:tt;:d.6t'_l\!:i-"-'lib"H'.,,,,,,,.,,,,Jili''<l~W_-~>f,;,i,;",M))fib'~'~~ g , i1rmm_:,~,_.~, '_, ~~ ,~,~.,=~" " "" ,,_ ~. =~~~,.""',"'~"..,,....,,_. '_"~" >_, ~_"-".' - ._""~"!"_" '_ '" '--",~. ,,0 ~ ,. .'" "_, ldi1\lo-~-''!Oiilr~~IiIJlHi] >~~-Ji o ," ,,::,C; ])P: Ul(: -..:::.';- ~.[ ....:;;-; :2:(;- S~C;' -~ ~- -~ -< b'l . C:} c/) rT, -'0 , C~~ c..J :~) :r;..' ~~ - L ' . , , L-I . h _~ 'C:~. SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY LD. NO. 79294 1020 KINGS HIGHWAY, SUITE 210 CHERRY HILL, NJ 08034 (856) 755-1560 ATTORNEYS FORPLAINTITF MANUFACTURERS AND TRADERS TRUST COMPANY SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FINANCIAL TRUST COMPANY PLAINTITF, COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. CiviITerm 01-3082 vs. JOSEPH S. RUDA AND TERRI L. RUDA DEFENDANT PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly settle, discontinue and end without prejudice the above captioned complaint in mortgage foreclosure. SPEAR AND HOFFMAN, P.A. AJ/~ BONNIE DAHL, ESQUIRE Attorneys for Plaintiff .Jj""""'JM:ilifu.:3.'-ii'<'~~;"~;",,~,~,Y';~~~('ii::,~t~~~t'll1i.l~:-'~1i<l'{-M1"''''-n"'-",','f,o"j';o ~""',h-J'~~>i"fu;;,,M,_,,,,,,,*,@i~hlllll!~~iJmlmm~~~lIll'~:tbjoa. 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