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Home My WebLink About03-2255 EXPRESS FINANCIAL SERVICES, INC., : IN THE COURT OF COMMON PLEAS 1415 Route 70, Suite 106, Cherry Hill, CUMBERLAND COUNTY, PENNSYL VANIA New Jersey 08034, Plaintiff v. ~ ~ A : NO. 1?3 - ;;J.j,5'5 ~ PREMIER ABSTRACTS UNLIMITED, me., 6161 Blue Valley Avenue, Harrisburg, Pennsylvania 17112, Defendant CIVIL ACTION - LAW 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 obj ections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 (717) 249-3166 800-990-9108 NOTICIA USTED HA SIDO DEMANDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mas ade1ante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente 0 por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se Ie advierte de que si usted fall a de tomar accion como se describe anteriormente, e1 caso puede proceder , , sin usted y un fallo por cualquier suma de dinero reclamada en la demanda 0 cualquier otra reclamacion 0 remedio solicitado par el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u otros derechos importantes para usted. USTED DEBELLEV ARESTEDOCUMENTO A SU ABOGADO INMEDIA TAMENTE. SI USTED NO TIENE UN ABOGADO 0 NO PUEDE P AGARLE A UNO, LLAME 0 VA Y A A LA SIGUIENTE OFICINAP ARA A VERIGUARDONDEPUEDEENCONTRARASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle,PA 17013 (717) 249-3166 800-990-9108 SHUMAKER WILLIAMS, P.c. Dated: 6\ (.I-\i}3 By ~t-\ CA. j ~(;Vv~ Laurence W. Dague, lD. #19715 Anthony 1. Foschi, lD. #55896 Melissa A. Swauger, lD. #82382 P.O. Box 88 Harrisburg, PA 17108 (717) 763-1121 Attorneys for Plaintiff " EXPRESS FINANCIAL SERVICES, INe., : IN THE COURT OF COMMON PLEAS 1415 Route 70, Suite 106, Cherry Hill, CUMBERLAND COUNTY, PENNSYLVANIA New Jersey 08034, Plaintiff v. NO. PREMIER ABSTRACTS UNLIMITED, INC., 6161 Blue Valley Avenue, Harrisburg, Pennsylvania 17112, Defendant CIVIL ACTION - LAW COMPLAINT AND NOW COMES the Plaintiff, Express Financial Services, Inc., by and through its counsel, Shumaker Williams, P.C., and states the following: 1. Plaintiff, Express Financial Services, Inc., is a corporation with its headquarters located at ACACIA Building, Suite 206, 875 Greentree Road, Pittsburgh, Allegheny County, Pennsylvania 15220. 2. Defendant, Premier Abstracts Unlimited, Inc., is a Pennsylvania corporation with a registered office located at 6161 Blue Valley Avenue, Dauphin County, Harrisburg, Pennsylvania 17112. 3. All the acts alleged to have been done or not to have been done by Defendant were done or not done by said Defendant or its agents, servants, and/or employees, acting in the course and scope of their employment with or on behalf of said Defendant. 4. Plaintiff entered into contracts with Defendant whereby Plaintiffwould request a title search and Defendant would complete the search and provide a title report to Plaintiff prior to the closing. .' " 5. In addition, Defendant would complete a bringdown title search and provide a title report to Plaintiff after the closing and prior to the recording of a deed and/or mortgage. 6. On August 24, 1998, Green Tree Consumer Discount Company ("Green Tree") contacted Plaintiff about issuing a mortgage title insurance policy. 7. Green Tree provided Plaintiff with the information necessary to complete its title search order form. A true and correct copy of this order form is attached hereto as Exhibit "A" 8. On August 24, 1998, Plaintiff requested that Defendant complete a title search of Steven A. Failor and Cynthia L. Failor (the "Failors") at the property address of 525 Mount Rock Road, Newville, Pennsylvania (hereinafter the "property") by faxing its title search order form to Defendant. See Exhibit "A" 9. Plaintiff did not supply Defendant with a Deed book and Page number for the property . 1 O. Plaintiff hired and/or contracted Defendant to prepare a title search for the Failors at the property so that it could issue a mortgage title insurance policy to Green Tree. 11. In issuing a mortgage title insurance policy, Plaintiff must report the following information on the schedules attached to the commitment: the interest in the land which is encumbered by the insured mortgage, to whom title to the estate or interest is vested in, description of the insured mortgage, description of the land, and any encumbrances upon the property. 2 " '. 12. Defendant provided a title report to Plaintiff on or about August 28, 1998, which indicated that Defendant completed a title search of the property through August 18, 1998. A true and correct copy of the title report is attached hereto as Exhibit "B." 13. Defendant provided another title report to Plaintiff on or about November 30, 1998, which indicated that Defendant completed a bringdown title search of the Failors for the property through November 23, 1998. A true and correct copy of the title report is attached hereto as Exhibit "C." 14. When Defendant completed the bringdown search, it should have searched all out sale deeds to see whether the F ailors sold the property they intended to encumber with the mortgage and reported such information to Plaintiff on the title report. 15. On November 27, 1998, the Failors refinanced their mortgage through Green Tree. 16. A loan in the amount of $200,000 was given to the Failors by Green Tree (now Conseco Finance Consumer Discount Company), which was secured by the property and disbursed on December 21, 1998. A true and correct copy of the mortgage is attached hereto as Exhibit "D." 17. Green Tree Mortgage Services was the settlement agent for the Failors' settlement. 18. The mortgage dated November 27, 1998, was recorded on December 2, 1998 in Book 1502, Page 822. See Exhibit "D." 19. Plaintiff issued a mortgage title insurance policy in the amount of $200,000, Policy Number 826859, to Green Tree insuring the mortgage as a third lien mortgage on the property. A 3 " true and correct copy of the Schedules to the mortgage title insurance policy are attached hereto as Exhibit "E." 20. First American Title Insurance Company ("First American") was the underwriter of the aforementioned policy. 21. In preparing and issuing the aforementioned policy, Plaintiff relied upon Defendant's title reports. 22. In order for Plaintiff to prepare Schedules A, B, and B-II to the policy, Plaintiff had to rely upon the information contained in Defendant's title reports, which is based upon Defendant's title search of the Failors. See Exhibit "E." 23. The property identified in the mortgage and the mortgage title insurance policy, Schedule A, was the property located at 525 Mount Rock Road, Newville, Pennsylvania, based upon the information from Defendant. 24. The Failors defaulted on their mortgage through Green Tree. 25. When Green Tree attempted to foreclose on the property, it learned that the Failors did not own the property. 26. On or about August 31, 1998, the Failors sold the property to Daniel Mains for a purchase price of $30,000. 27. The deed from the Failors to Daniel Mains was recorded on August 31, 1998 in Deed Book 184, Page 501. 28. Therefore, Green Tree could not foreclose on the property and submitted a claim to First American under the mortgage title insurance policy. 4 , . 29. In searching the title ofthe Failors, Defendant should have and may have known that the Failors sold the property on August 31, 1998. 30. On its title reports, Defendant should have reported to Plaintiff that the Failors sold the property on August 31, 1998, but it did not. See Exhibits "B" and "C." 31. First American submitted a claim under the mortgage title insurance policy alleging that the land securing the mortgage was conveyed by the Failors to a third party, prior to the Failors entering into the mortgage. 32. In order to resolve Green Tree's claim under the mortgage title insurance policy, Plaintiff had to pay First American $135,000. 33. Plaintiff paid Defendant for preparing the title search with regard to the Failors. 34. Upon its best information, Plaintiff does not believe that the Failors executed a buyers' affidavit stating that they owned the property securing the mortgage. 35. Plaintiff has notified Defendant that it intended to hold it responsible for the losses it incurred under the mortgage title insurance policy due to Defendant's failure to report to it that the Failors sold the property referenced in the mortgage title insurance policy prior to the refinance, but Defendant has refused to compensate Plaintiff for such losses. 36. In fact when Plaintiff notified Defendant about its claim, Defendant provided Plaintiff with a copy of the title report dated August 25, 1998 which includes a handwritten note from Defendant's employee that only mortgages were checked on the property from August 18, 1998 through November 20, 1998. A true and correct copy of the title report is attached hereto as Exhibit "F. " 5 . . .1 37. Defendant did not notify Plaintiff that it only searched mortgages on the property from August 18, 1998 through November 20, 1998 prior to the closing on November 27, 1998. 38. In addition, Defendant did not notify Plaintiff that it only searched mortgages on the property from August 18, 1998 through November 20, 1998 prior to Plaintiff issuing the mortgage title insurance policy. 39. Defendant also did not notify Plaintiff that it missed the deed recorded on August 31, 1998 in which the Failors sold the property described in the mortgage and mortgage title insurance policy. 40. In addition, an employee of Defendant admitted to Plaintiff that Defendant missed the out sale deed when it completed its title search for Plaintiff. 41. It is common practice to search outsale deeds when completing a bringdown search. 42. Defendant failed to complete a proper bringdown search. 43. Accordingly, due to Defendant's error in completing the title search of the Failors' property for Plaintiff, Plaintiff had to pay a claim under the mortgage title insurance policy to First American. Count I Breach of Contract 44. Paragraphs 1 through 43 above are incorporated herein by reference. 45. On or about August 24, 1998, Plaintiff entered into a contract with Defendant to complete a title search of the Failors at the property address of 525 Mount Rock Road, Newville, Pennsylvania. 6 46. Defendant understood and knew that a material term of the contract was to complete a title search which would show whether or not the Failors owned the property securing the mortgage. 47. In fact, the contract provided that Defendant give Plaintiff grantor information for the Failors at the property address of 525 Mount Rock Road, Newville, Pennsylvania. 48. Defendant materially breached the contract by missing the deed wherein the Failors sold the property referenced in the mortgage and mortgage title insurance policy to a third party prior to refinancing their mortgage on November 27, 1998. 49. Defendant materially breached the contract by failing to report to Plaintiff that the Failors sold the property securing the mortgage. 50. Defendants also materially breached the contract by failing to give Plaintiff an accurate legal description of the property to include in the mortgage title insurance policy. 51. Defendant's aforesaid actions with regard to the contract constitute breaches of contract even if such actions are not deemed to be material. 52. Defendant's aforesaid breaches of contract have caused and continue to cause damages to Plaintiff. 53. Plaintiff had to pay First American $135,000 under the mortgage title insurance policy. 54. In addition, Plaintiff has incurred attorneys' fees due to Defendant's breach of contract. 7 WHEREFORE, Plaintiff respectfully requests this Honorable Court to enter judgment in its favor and against Defendant and award Plaintiff damages in excess of $35,000, plus interest, costs, and such other relief as the Court may deem necessary and/or appropriate. Count II Quantum Meruit 55. Paragraphs 1 through 54 above are incorporated herein by reference. 56. Plaintiff employed Defendant to complete an accurate title search and prepare an accurate title report for Steven A. Failor and Cynthia L. Failor of 525 Mount Rock Road, Newville, Pennsylvania. See Exhibit "A." 57. Defendant failed to perform said services as requested by Plaintiff. 58. Plaintiff accepted Defendant's work and paid Plaintiff for same. 59. Plaintiff conferred a benefit upon Defendant by paying it for services it failed to accurately complete. 60. Specifically, Plaintiff paid Defendant for completing a title search and preparing title reports, which Defendant failed to accurately do. 61. Defendant appreciated such benefit because it was paid. 62. Defendant's acceptance and retention of such benefit under these circumstances is inequitable. 63. In completing its title search, Defendant should have and may have learned that the Failors sold the property prior to November 27, 1998. 8 .' 64. Defendant should have reported to Plaintiff that the Failors did not own the property because it knew Plaintiff was issuing a mortgage title insurance policy insuring that the mortgage was a third lien on the property. 65. Defendant has been unjustly enriched because it was paid for a title search and title reports that it failed to accurately complete; consequently, Plaintiff had to pay First American $135,000 under the mortgage title insurance policy. WHEREFORE, Plaintiff respectfully requests this Honorable Court to enter judgment in its favor and against Defendant and award Plaintiff damages in excess of $35,000, plus interest, costs, and such other relief as the Court may deem necessary and/or appropriate. SHUMAKER WILLIAMS, P.e. /""\\J-\~) Dated: ~ By ~~ Cc JlNClN jJ-fL Laurence W. Dague, J.D. #19715 Anthony 1. Foschi, I.D. #55896 Melissa A. Swauger, I.D. #82382 P.O. Box 88 Harrisburg, PA 17108 (717) 763-1121 Attorneys for Plaintiff :143569 9 , . Exbi ibit A . - -.......-- ',. --v~,-__.". '.. ;-AUG,;;24-98 MON 03: 50 PM .' . ~"'1~Y98 21:30 .:'M" orn" 8,Il 717 9?S 0833 GRE_ "REE MTG, H8G, FAX NO, 71, d75 0833 P. 01 . NO ,.218 . 'r;i':':; BFS !i{Z)l- OMt:( (7m 97Z.I0J7 FGoC (7J 71 972-11430 Fu C7l1) 972."11 4720 Old Geltl'ibure Ro~tJ. Sl.lit/t 2Q9 M~thl."~S'/lI;j'1!. fA 170SS Express .'inandal Survlces TITLE SEARCH ORDER FORM tpPJm 01 ""1 pu,u$) OA1'l< "NO ."..~ <f;jiJ.}it FROM (CONTAcr NA~E);_C' e A noR.: JIT" (li~;:;_ I p}:aNE~. . . '... ".. _~AXtl (WE ~ A.: I. BROKER ,9] ~,LENDER) t..EN'PER: (;'("U./-..J 7J"":"l( LeNDER CONr^CT;~ Lt:N'DIlR PHONE_: If.NPEA F ._-~ / hA TE PROPF.R.'r( AC'QV7~tl '___. 'M P SENt MOlno $ '13 OR~OWER.S I'Ift\Mf: . 0 AM" _ I CO.RORAOW... "AMO:__~Jil !"'rc ~J/h, ~ ~S'l' ~. 'J ' j) M{il~1}1";' lllc..k rei t?tJ1(.':'1t. ;1;'-;72'11 -~ COl1NlV: -----..-_6 APDRfiSS:__ ,. III,neu! en-y, ST A Tl:: 2&: C {j,!l,c &-i !'4..~ C I TYPE OF SeA-RCH REQl!ESTED~: ,~Asrc: COMMrrM!.~ SE5DEO: 'YEs NO ff YES. DA.Te NEEDED BY: lOAN A.\-:O~T: J ") . -,~ O.ob IS nm ^ PlRST OP. SECONDMO&TOAGE: -- f . IS EXPWS DOING A TAX SEAI\CIf: tfii/ .NO ""t< l'\>OOIlItEPORT: c.._..4 l"..l ,)1\ X PURCH.~S~ MONEY, RetIN,\SCB: ~~..._ST^NOARD:...__ }( EXPRESS: OELUX!.: rf / LIfE or LOAN F1.00D: \If Jersey Are:! 415 Roul.: 70 Em. Su:(e 507 A Cherry Hill, NJ 080).1 PH (609) l$4.UU FAX: (609) 3$4-851! Exhibit B .' . . 1t~~D 'P-717 : P,l!Jl tlI(:1.-2B-90 1;3::!:9 C J8~. PREMIER ABSTRACTS UNLIMiTED, INC, . 6141lSIue VaIM)' AvenuI · Har,l.butS. Pi.. 17112 : ~ . Pall Nllmbu, (711) 23"'198 or (717) Sf~-4163 . .' J'h~l\. Nvlrllln (1m.~1560:. . Sp.~4I1zt~{tflut, ittrltlltf,U-laalW tl4nlllr11llhrl t/m'" . ~ ">>~lS...""" .......... .... :'. D ~t a- s./,.iotS f4,.~ ,~.I.,..... ..5d~ /l'I~ I.rr""'RoaK. r;< . I . f /;fuitlifrJ '1-01.' ~:s .nt;X.I/.lr~~~,).fg.,)V(u. 5 s lI.'IIA.n hi ~.'I,... ; 1'1~,(;q'A""'" .~,..,/C. "., 1'16c-lu6e sflth.s if (....6,l,$ S"Z.s 101'-: r;?Jr -- A"P """'..... ~/~. 7" · , /lG/~#0 t..j..~' f .' () .4 ~ . l./-P7 ~ (;,.a.cr ~" ~ilJ .$1 "'...". f -1-: I 1ft Z. . P..,AlQ (;. J....~,..! 11"''( ...).:J' j ( /J tJ..t/ ; 1"...)1)' / . '. I If - ?"f. .,. ....~' SO'.. GO"', , . .., D... I . '.11" ,. I. Ju~g ."'a~1J ond Fodo,aIT". l,.'lon.: . 0 ~ o-<t:'. " of-. .$'/"/77 ~ .;.~ "/It'$ ..r~I'I(, QMk ,,__--------~. /.. 0 -----. ..--------. 11-25-96 13:38 ~~Gr.rVEO ~ROHt71779G..4~ P oft? . '-, .. . " I;' ..0) '. -1 I ~ .... -. - - - . - -.. .. - - - . - - -.. . . -.... . . .1 .~ .'~ I I :1 . ! ; Cu..il".me PREMIER ABSTRACTS UNLIMIT~D, IN~C. 6161 BlueVaU.y;\venlle . Harrbb"tg,PA,I'1111 , ,', , I'&>l Num~ (711) 134.8198 or (711) 54'.6163 , Phone (717) 545-1560 ", , , Spec/tlU:lng In fut, AcQIr"~' 24-hQurluiHm"..a 11"..1 ' . , ~~O::n-~~D, ,rnce.tf ,) 'j .G--- \-+r~l2- , GYPtf~SS , Ii,."" ~.CI"..w (9 Fo~ route. /N,cDh#~'77'o.v: '.::, . e~: .5/./9'? !Dt'I1ltAlJ./f:mCKT. FbICc. ~-OIa~ aD!f"~-~~n:j t!5Ah~~ l3~.::$ d~-1-'~r..v: ~A- I/. S7EJI'e/ fro P"A/l..OIC A-A/~ t!.)lAI"'r#j4. L: P:"ILo~J ' 5,g~ ~ ~h>t)'1 )J~V~U-~f.It: ~ Se- anrv'7 .A l . '"RC7JLt4.eO '"7t:::I :;r~ ~1l1~.,... mD~. .&,L. 01<9,: ;Pd-. ,gY'V : --~ 0. ~ ~? . ~V. .,. ..,^A~'" ~,.,. ~ '\ ,...- \'r' V ~6. ~ . /O-j2-q,? f\ 'foG-- . Su M. "j7-J . i l i' r ;, \" -- I c.~ ~_.c.(7({{) 11-25."':""98 13:38 RECEIVED FROM:717T9&9145 P.B3 Exhibit C _/-~/ "'; '\ '--TCF~ .t: ) (\ i.-JJ t,-l \ PREMIER ABSTRACTS. UNLIMITED, INC. " (i-I-/ . 6161 Blue Valley Avenue · Harrlsburg, PA 17112 b Pax Numbers (717)'234-8198 or (717) 545-6163 / Phone (717) 545-1560 ~ .-/ Specialitlttg /n fast, ae~ufate, 24-hour turnaround timel "'63';" rncu. ' !-IT rr~c. '(i1!J, l ..,",,'" /1 f3;J 9 =:J J?;;~~:"~;~'~;:::; ~OrL- s'-r(;VE;N c:; ~YN'o-H1A FAILD~ I~ l trE~ED' 'tI,l /0 IS ~ - <(7L( ~ 1)~.:5u. 06rIr1ElJ,' : 0\1- '7, :5 q '3. 50 L '6 S 1M i TIt Fof.ID, I}.J~) p'tL '+- " ~!\\ ~ /\.f..Jf.k~ '>7 S I L ~/17DV I/E / & v.3 ,;;'n'Y..t3 F/l-/~ >t 585 vnCXI 1-.fT~-'c.. '"1?'D. j...lcL0 V(LLE: - Sc'"E ev,Al- ~ 'iiJ,trc7'.c.:O lo/5!g(98 ~C)? - ~8:s-yr-1 P JU. pd:". '~ 'wen, .52~ .09 fl R"-' [] i-IID~\ NATL. M 1fI( v~. sfEV EN A.. Fit I U3 ~ ~ (! Y A./Ytft It L. Fit ( LOft- ~ ' -See ~.Q:>0/ - ~ )) 0.1 'v-ro '1'ED ~ / D.? qfi! "-'1F-CJ 7- :; m ~ 'H f. :Yu l'Xt. ~ ~g 12;<t-::::,. S { F/l~~ T U }.lIoN XlAIL. MA1K- 1I~ 3'tEV_c/d .A-. FA-ILD,(. C+- Q y},/'H IA- L. FlJ-/LOrL . tf> - St:e &')fY - ...~ < E !-11t:c.1'..E:1J '. I Djd &'}"1 ~'B=- "77- ~:-nf' :::R< pC;- ':it lid 1':S?~ ,&J"7 FIt-SoT ~ux.IIDN XJA-TL &+tlIJL I/S s'yEl/t:7--f ;t-. FA IloK:.. ~ ~ Y Atrtf/A L. F~/L.OtL - St-c t!-Vfl( - Exhibit D -;I/75Y e.-' I CUWIDOG"culth Dr Pto.n.J)'IY~3 Sp3U Abo~e lllis Lwl' For Rr cordinf Data OPEN-END JlvIORTGAGE "ppllc.~o..:. '. '....;NNl.', This Mongasc s~curC's future .advances l. DATE AND P.\RTlES. The d.,e of ,his Mongage (Secur;.y '''''''''OIelll) is ....f)lo::~~.':l?':.~.. t!,. Pi'Ulks. Iheir adc..lfes!\.t:'$ and (;1:-0 iCJcnrificouion numhc::rs. if rl;:~illirctl. are <IS (olll)\y~: antI Ihe 1998 ~IORTGAGOR: Steven A Failor and Cynthia L Failor IlUSBlI.ND AND WIFE, AS TENANTS BY THE ENTIRETIES rJ If checked. refer 10 the arL1cl.Jc:tJ Addr:ndum incorporatt;d herein. for i1(hJhional Mons-Hcors, their sia:wufures a.n<.l 3clcnowledgrnel1lS. LENDER: . Green Tree Consumer Discount Company 3401 Hartzdale Drive Suite lIB Camp Hill. Pennsylvania 17011 2. CONVEYANCE. Fur good an.J valuable: consitJe~.;uion. the receipt and s?rfic.ie,w;y uf which is ..cknowl~~flecJ. .~nd 10 secure !.he Securell Oebt (defiM'd below) and Mortgagor s perrormaf1ce under Ihls Sccunty Inslrurncrn. l'-Iortla~ granlS. billtcains. conveys lOd Dlong.~es to Lender tile following described property: = :..:..:. . ,..., See Exhibit: 11. c;-) ._ .. , r.> ~ " '-" -u .. 3 ~ " c:: "" p' ~ -;: ;>~ ., -rIle propeny &5 local~cJ in _....._~~~.':t;>.~.~?:~~~................._.......h._......._...... ;al ............... ..................=................ rC':".v...."" ...... .... ..__. ..... ..... .......... ... .... .............. ........... .__.... ................... ..... ......... Pennsylvauia . ~.~.~.~.~. ....... ..... (AoJd.elt) (Cityl (ZIP COde) -rugelllu wich -.II riGhts:. taSemt:nls. appuncnanl;C'S. royalties. ",inelal fiSh.s. oil an() gilS righls, all \Viller and riparian righl:i, dilchc:s. .an" \AI,Jeer stock anti all c:~iStiDg and future: improvements. struced~$. fixfures. and replacemenls thai JU~y now, or IU "ny ,illlo iu,"o Illmro, be ran of th. 'ell e5111e described above (.11 referred 10 as 'Propeny.). J. MAXIMUM OBU2dJ~<(j6lr~Jlf' Thelotal principal.am.ou.nt ~ecured by lIlis Security r~uum.~1 al any 01U: lime sh~1I ROC ..c.ed $ ..................................................__ . TIlls IIm".UD" of amounl docs nol loclud. IDtereSI and other rees and chilr!,;t!5 validly made J'I\JrSU3IlC ro dus Security Ins.rnmenL Also. Ihis Itrllitation does nol apply 10 advances l'T1,ul~ under lhe 1t:1P\'li of this S~cur;IY Jnslrum~nc to prolce. lender's securhy and ro perrunn any or Ihe covenants coneillned .in IJlis 'sccurity IlUlllJI1I:::Ut. ~. SECI1I~ED DEUT ANO FUTURE ADV,\NCES. TIle 'enll .S.cured Doht" is ddined as fullow", A. [lebo intuned under '''e 'emtS of all prollli~sory OOle(.). contr3Cl(s). guarallly(~) or other c'Villence of lI~b' described below and all Iheir t!xtensiuns.. renewals. moditicadon.< or $ub::iliIUlions. (lWren rqe""f('j", tIre Jebd belq\'" it i's Jt.lfK,.H,.-I that you ;nclud~ ir~lJJ$ SIlch /t.e burr()U'trs' names. nO/~ aUla,,,,,,,. ;"t",11 fQtes. maluriry dOlt.c. ttc.) Not:~ dllt.ed Uoveno.ber 27. 1998. betwerln Graen Tret' COr\sunu!r Discount Compan.y and 5cQv~n A ~allor. Cynehta L Failo~. lor $~OO,OOO.OO, maeurino Deeenber a. 202). PtNUSYlVdllA . MOA10AU( mOT ~OA Fm.I.... JPllMC. nu. Olll VA USEI BOUK1502 ~ln'I!....~v.:!:,..,....I,.c_.I'.C........P.4" 1l.lcc>lt,.;r)411 '.''''' At A1l0 "'" 11/1'::" 'AGE" :822 tor.\. 10 :tlliU . C -D C (pog.' Df 61 ,;.>~ i:J..E....:. i ;';n~l' ,.' '.". ~~ ~ ! ' I ' 4.~~' ~, , : ~t~ ,,',. , ,< ;l . . . ~ . .th ,~y "~'2HJj' . f!I,. ,.", .~K ~~ .j'" B. All future advances frorn Lelld<r 10 r-.foftl;itgor or other furure ohlig;lIions of Mortgagor to Lender under .any promissury IWU:. comrilct. l:uaumcy. or other evidence of deb. executed by MOfl!:agor in favor of Le:ntler execuled afler this SecurilY IIl.trumen, whelller or no' lIli. Security Instrument is spocilie;llly r~reren<:ed. If mo.e than one penon signs this s.:eurity Instrument, each Mongagor agrees lh~r tJlis: SecUril)' 'nslNmenl will secure aU furure advances and (ulure obligalion$ thai .ue given 10 or inl:urred by anyone or nol0rc: MonSllgor. or anyone Ot m(lR ~fon,.,or And others. All f'urure: ;&IEvancc:i ,:md alher future ObJig.lliol's are secured by this Scculhy 'Iucrunleftt eyen lhuuch all or pin may no. yet be illlviflced. All (uUlre al1Yal1C'~S and Illher (urulc oblig;uions .re secured as if m;nlC' on the dale or this Security Insrtunlent. NOfhing in (his S~turilY InsulIn,ene sh1\1I t."OllSlicUIC R comndunen. 10 make i1cJ\JicioMJ or future loans or advances in OIuy olmOull(. ...\ny such commilment must be Jt&;rcc:d 10 in a scp:n;ue writing. C. All ubli};3Iiof1S Mongagor owes 10 Lender. \A;hieh may I;,ner ariJe, 10 the CUt", noC prohibited by law. includiog. but nor linlilc:d co, liabililies (or ovcnlrAfts relaring eo ~ny lJeposit ~CCOUflll a.:reenlenl he''-''le:C'n )'fon.:agor and Lc:ndcr. D. All ~uldicicnoll :sums atlvancc:tI :lnd ~~r(:n.sc::s incurred by Len<.ler for insurin;-, pl'"csC'rving or OthC~i5C prolcl;tingo Che Propcny ant) iB "'~Iue .and any olher SUIUS: adv...ncnl ..mJ C:"'pC:I\S~S incurred by Lender under the lem,s of thi~ Stcuricy InslrulUt'nl. 111is SC'c.ur.lC)' In~tnJmenr will )\0( secure any ocher deb. if Lend<r f;tils co give: .lny rC'qui red noeice or tile right of rescission. 5. P"\ '~IENTS, l'v!orlgagor agrtes: chal.all raymcnlS uncJe:r che Se(ur~d D~bl will be paid when Jue and in accordance with Ihe IcnJlS ot che Secured Debt and lhi:t SccurilY lll~trumc:nc. Ii. WAIlRANTY OF TITLE. Mortgagor \Vanan.. 'h'l Mongagor i. or will be lawfully seiz~1I of !he eSI.le eooveyed by this SC4.:lIIity lnstnmlcm olnd h3S &he righllo gnnt. barS-iliD, convey, sell. and mong.1ge the Propt'rty. Monsa.Qor also warnms lhac (he ProperlY is ur.t:llcumbered, excepr for el'tClJlllbral'k:tes of record. 7. PRIOR SECURrT'" INTERESTS. \Vilh retard 10 al\Y other monSI&a:c:. decd of nuSI. sec:ulhy Isrcemc:nl or olher tien uocurn.:llllh;u cTe:ued ;1 prior sC'Curhy interest or encumbrance on the Propeny, Mongagor agrees: A. To "Mkc )tll pl:Iytnt;ncs when Jue Hnd 10 perfonn or l;omply with .11 covenants. B. To proll1rdy deliVer 10 Lender any nolices Ibat Mortyagor receiv~s IrOD1lh~ ',older. C. Not 10 4l1l0w an)' n\ocJificacion or eucnsion of. nor h) reque-Slllny future itJvancc:.s under any Dole or acrcr:l'Ucnt secured by the li~n document wilhoul L.ender's prior wrill~n tOnstllt. 8. CLAIMS AGAINST TITLE. MonSlgor will pay .lIlOxe.. Assessmen... liens. cDalmbranccs. le..c payme..s. ,round reDl!. ulililie5. and oth~r charg~s relating to IIle P.openy ....hen due. Lender may require Mort!;.gor 10 provide to Len"'r copies of.1I nocic.:c:.s Ih31 .such amounls are dUll: ancJ me receiprs evidencing Monsasor'~ payment. Mottcacor win defend cille ro the Propcny a,ainsc any claims lha. would impair lhe lien ollhi:li Security JnsU\1JU~n.. MOIT,g:agor agrus 10 assigu 10 Lender. a$ rt'lucS'cd by lender. Iny riShts. claims or defenses Mongagor mAY hAve .Sainst partics ....ho supply labor or D'alCrills 10 maim""., ()r improve the Properly. 9. DUE ON SAl.E OR ENCUI\-ffiRANCE. l.eDller may. 31 ils option, de~lare Ihe elltire balance of lIle Secured Debl 10 be immediately due and p.y.ble upon the ele.tion oC, or contr.et rorthe creation of. Iny lien. encumbrance. transfer or sale DC the Property. This rishl is subjetl to the leSlritlions imposed by f~derallaw (12 C.F.R. 591). as applitable. This toveDa"t Sh,1I run with II" ProperlY .nd .",,11 remain in erreet unlillhe Secured Debl is paid in full and this Security Inslrumel\t is rele;se~. ]0. PROPERTY CONDITION. AL. TERA TIONS AND INSPECTION. Mong.gor willk...p the Property in gooll condition anll make al\ repairs II,.. are reAsonably nec~s~.ry. Mortgagor shall nut commit or allow any wOllle. impaiment. or deterioralie>n of the Propeny.. ~[ol'1gagor ""ill keep the Property ft~l: o( noxious W;.~d5 ant! orassC's. M<rrtsagor .srces chat lhe I1.lNre or chI! o4.:cuptm,y alll! use will not subsr;:mtially chan.:e withouc Lemler'$ prior wrju~n tOMer'll. Mong8l!;:or will noC penn.il any chanr~ ill ltll)' license, rc:sHit:dvc covenant or easemtnt \\IilhoUI Lend~r's prior \Vrill~n co~enl. ""orlgilgor will nOlify Lender of all t.l~nl~nus. pnll:ct'din1)s. claims anti acliuns against MOrllla;;or. anti of any loss: or I.Lullape to Ihc:" Properly. O!), '.J.a IIt"'h', ~.If.'''', ........ ~t. (:....... MN 11.'0",)'1.2;)' II r,.... "f."'; G."''' Il,t:)"... BOOK 1502 rAGE J323 5 IP~?f. ,2Ft, 6J -/1,1; .-- lender or Lcnder'~ :lJ;encs rll:lY. .U l~n<.Jer'$ oplitlU, cnler Ihe Proper~)' ill ..ny re..~onilbh: time for the purpose: of inspecting rhe P'llpeflY, Lender shalt hive Monl:agor nocicc: .u .he lime: Ctf or before 811 ins~c.ion specifying 21 reasonable pUrJlose (or Ih~ im.pct.::riun. Any inspection of the Property sJliIlI be: c:ntir~ly ror L~nuer's benefit and Mortg~lgor will in no w..y r~ly nn l.clld.er',S ilt:;peclion. t I, ,\UTIIORITY TO rERFORfvJ. If MOn&;lCOr (;I;ls to per(on" .,ny dUly or any of the COVeni6IH$ com..in~I' in lhi$ Security 11L:,IIUlIIt:llt, Lt:l1lkr may, without no(ice. perronu or C3ute Ihem '0 be perfonllccJ. M,'nSiiilsor ,Jlppoints Lender as Altorney in Ltet 10 sil:U MOfll:;ll:Or's (wne or p.ay ..ny amount necessary (or pc:rfommncc. Lender's ria:Jn to pet(oml ror Murl;at:or shaU nOf ~rc:.J.Ce an ohliCO\lion 10 perronn, 'and lender's failure: to pe:rrO"'" will ,.,01 preclude Lemler front exercising any or Lender's olher riehts untler Ule law or I1lis Security Jnstrumenl, If any C01\.'UNction on lhe: Property is discontinued or nol cuned on in a rC.lsOII.:thle manner, Lender may L:lke all StepS necessary to protect lender's security in.erest in the Property. inclmJing- l,;OlJlpkliufI ollhe cOII:.trUCI!OIl. 12. ASS/{;NMENT OF LEASE.5 AND RENTS. Mongagor irrevoc.bly grants. bargains. conveys "...) 1lI0ngages 10 Lender .. aJLlilioual secunlY alllhe right. ti.le and in.erest in aoo 10 any and.1I c:xislin1,': or fucurc: Ic:ase.s. subltase~. and any other wriUC-II ur velbd ;l1:rt:enh~"I~ for' the use. and occupancy of any ponion of the Property. inch.K.Iinr; any e",u:llsiou::&. rl:.ncwals. mOltihc~liOIlS or subslirulioM. or such :llrecnlCJl(S Call rcCenc:,j to as "'Leases'"' lint! rents, issues ~nd proFi.! (all reretre(j to.as "R~ms"). Mvngat:or will promptly p.ovide:: Lendc:r with true: Knt! C::OrTcc:t copiC's o( aU existing and furore. Leases. I.'ongaso( Itlity collecl, receive, enjoy and use the Rents so Ion!: as MontaGur is not in dcfauh uncJer- lite ternls or this Sec.urity InSlnuncnl. "'.It)rct:~sor aurees Ihott Ihis a~s:i=onlelU is immediacely effective tKlwccn the panic.! 10 this Securhy hUlnJm~m and eCCecrive as II,) ,hill. pUli~:s on lbe recoroing of lhis Security Instrumcnl. IIncJ Ihis M15siguTllcnl will fClllain c:fI"~live uncil the Oblig;uiol\S are S3Iisfic;d. Mongagor ~grC'c:s 1b.1 lender is eluilled to notify Mongagor or t..'longilgor's renar\C$ 10 nJake p..ymcnb or RculS UUC or 10 bc:-cocne due dire:cdy 10 L~nder after sucb recordiDi:. however Lender aa:rees not lO nOliry JIl,lotlcasor's LeO-ants until Morls"gor <lofaull. 011<1 Len<lof noli lies Mongagor of U.e der.ull a..d dem.nds Ihat Morlga~or and Monsasof'S lenarls INlY all RenlS due or 10 become due diroclly 10 Lendef. 0.. feceivin.: ..OIice or deraull. Morlsagor will emJor~ ond deliver 10 Lender any p3ym~nt of Renls in Mong8gor's pos.5tSsion i\ncJ wjJl receive ."'y R~nIS in rru:st for. Lender and will nol 'OIMlin~h: .he Rents ~'ilJl any olher fund5. Any amounts C'ollC:ClC'd will be 4&pplicd .S pfovilled in rJlis S~cu-:iry ]nsII'UlJ1Cal. MorlJ;'a,or warrallu Iholt no default exists unllc:r lhC' Leases or any applicable lanclJorLl/lenalU law. Mon~a;or also aSTees to Inain.ain and require any lenanllO cO"'I.ly wilh lhe lem.s or Ihe Le....es and applicable law. 13. LE.\SEIIOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mon,.gor agrees '0 comply willi Il'e provisitllls of any IC3SC if this St:L:urity rnscnnneot is OJ' a leasehold, If the Propeny includes a unic in a C'onrJominiurn Of a pLlnned un.i. utveloplHenr. htorr~acor will per (om, "II of MOrlgKsor's <.JUlies under the coveruuus. by.laws. or regulalions of Ihe t:'onuominium or plaMl:t! unit tJc-vcloplI\cnl. 101. llEFAUL T. Monsasor will be in ddault ir any pany obliga'e" on <he Secure" Debl (ails 10 make paymenl ....he. "ue. Mu"a:a!:ot will bd: in defauh ir a br~adl o.;curs under' U\tt tenus of thi, Scc;urhy Instrument or any other doc.UlUcDt executed lor the purpose of creatine. securing or J.~aranlyinJ: the Securer.! Dc:bt. A Soo~ raich belief by lc:ndc-I' thle lc:mJcr at uy lime is in.s<cure ,,'i.h respect 10 any person or .mily obligaled on Ihc Sewle<l Ot:bl Of d.ol Iho: pmspeel or ..ny paymenl or lbe volue of Ihe PfOpeny is illlpaired sh.lI .Iso eORSI;lul. an evenl of deraull. 13. IlEI\IED/l::S ON DEFAULT. In sonie il\sunces. rcd...1 and ''''Ie law will reqoire Lender 10 provide Morlgasor wilh nolice uf Ihe risht to cure- or other notices and may establish rin'~ schedules ror rortc.lo~ure acuons. Subject 10 tJlese Jimil4uions. ir 4lny. Lcmkr nI:lY a::celerale (hI: Secured Debt iUt\) fotedose this Stcurity JnslnJl\I~nl in a htiU'1ftc."r provided by hl\\I' if lYfongllsor is in default. AI tht' option of Lcndc:r, !oil Or' .l\ny pirt or Ihe ..gre~d r~t:'s and chafJ:cs:. a~crul!d jnlert~t and principal shall be::come lnunedi.dtly due: and 'Iayable, aher givin:,: nOtic.: if re4uirccJ by law. upun Lhe: I.)cc:urrCJ1C;C of a tleC.ult or anytime Lhcrc~Ctcr. In addirion, Lendt'r shitll bc: cnllclcll lO aU the remedies provid<d by t..w. cJ'c l~mlS or tJlC Selu(~d Dt-bc. dlis Sa:uriry [ltSlnuncnl and any relaled documenls. All re...edics .,e dislinct. euncul'live and nOI exclusive. an" rbe Lender is emitJed 10 all remedies pfovided 31 law or e'luil)', ..h<lhef or nol <xpressly sel fOfU'. TIle .ceer,ance hy Lenuer of any Slim in paYl1lenl or panial p.yu,en, on ,he Secured D<ln .fler rhe balanc. i, due or is acCelelftle" Of .fler foreclosore prOteedinss are life" ..ball /Il'1 conslitule 3 "aiver or L~uLlc!f'~ ri~h( 10 r~t.lui(e cOOlplelie cure or ilny cxistinc default. By nul 1::,\1;n.:isin~ ilny remedy on Morter_gor's tler.uh, L~I\JC'r c.lu~:; 11\\1 \Vllive Lc:IIt.kr's riShl It) liuer t:oruit.lc:r th\1 cvenr a dC:(ilUh if it c;on1inuc:s or happcms ~gitin, .s: j(' /lIlig. J of 61 \1"~""~"IS.nr"'I.,..,..~I.!;f".od'''r1I1.'oj).nJ.:'''1I '..,.,III(....ro,.,. 1'''71'.1 .8oux1502'AGE .824 ~ ~ . . . t!t:~h~ 'b19 /6. EXPENSES; ADVANCES ON COVENANTS; ATTORNEYS' FEES; COLLECTION COSTS. Exe<p. when prohibiled by law, ~'Ion~agor asrees 10 pay all or Lender.s t~pen.st::i if Morlglgor brcttehcs any ~OVCniJnl in this Securicy 'nstrument. Marr~~IJ:or \".iIt :also PilY on dtDl:and .any aAl(lUnl incurred by I-cnd~r for insuring. inspecting. preservt"8 or olhcrwi~c: prolce,in:: the Properly and Leooer's security interest. These u.penses will bear inlere$1 (rom lhe dare or ahe: p,ayment until paid in full 1\1 the hi~he$1 inle-reSt rale it' effect as provi.Jcd in .he l~mu: or I.he Secured DellI. MUr1g~8or ilgrees 10 pay i,JI eosts and ~x~n:\e'J: incurred by Lender in collecling. e.\fon.:ing Of proCec.1ins Ltnder's .iskrs and r4:f1Icdics undC'r Ihis Sc-euricy 1l1S&Nu~nc. This amounr m;lY include. btJl i:i nm limic~d 10. 3f1orneys. r~e~. courr eosrs. and olher le!..1 cxpeJl$c:$. This Security InSlnJlIltnt Sh;1U remain in effect until released. Mort'3cor agrees to PlY (or any recordation CDSrs l>f such reteue. 17. ENVIRONlVlENTAL LAWS AND IIAZARDOUS SUIlSTANCES. A. u.ed in II..,. .ce.ion. (I) Envi.onme...' Law Ill.a... withOUI limil.,ion. Ihe Comprchen:;ive Envirorvnenlal Response. Compensalion a"" U"bilhy Ac. (CERCLA. 42 U.S.C, 9<<>1 .:. sell.). and ~11 ol~1C:r fet.letitl. :U~rc:: >>nd Joe.... laws. n:S;ulillions. orcJinance$. coun orders. attorney reDel'I' opiniotls or inrerrC'cri"e lellers concerning [he puhlic health. silfelY. welfare. environn1enr or ~ huardous subscance; and (2) }fazarlJou:J Suhslancc meJns any .oxic. radioactive or h~rdouS' material. WUIU. pollulant or contarnirUtnl' which hu c:hUlC'lcrisdcl which r~n(h:r lhc substance dang~rou:i: or potentially tJanJ:erou5 10 Ihe public health. $tlreIY. welfan: or environment. The rem' incJudes. wilhom limha.lion, any subslanc;es (Jc:fincd 35 -hazardous malerial." .Ioxic substlrnccs." -hua.dous waSlc'" or ~h1Za((lous subs-ranee" unl.k:r any Euvironmental Law. Mtln.s~!:l,)( tc:pftSenls. W,iI.(t,ilnIS and 3!:fc:es Ihat: . A. Excepr ;as previously disclosC'd aDd iJc:knowJellgc:t.I in writing 10 LC'nder. lie> Ha.zanJoll5 Subslance is or will be loc.led. slored or released 00 or in the Propcny. This res.riclion docs nol Jpply to small qU:1ntiLics of Hazardous Substances thac arc sc:ncrally recognized co be apf1ropri..r~ for the nonntt.1 u$e ;mcJ maiUI~ftMnce of the Propen)'. B. Exc:c:pr liS previously disclused Vld ilcknowledset.l in wnliD!: 10 Lcnd~r. Mort,t.asor and every lenanl hilve been. are. and shall re01;,in in full c:orupliancc with any ~pplic.bte Environment:'" uw. c. MOr1!:Otgor :>hall in'm~di:,ncl)' notify Lendt:'1" if a re1ca:k: or threatened rele..~~ of a. Huudou$ Sub:naOC:B occurs Oll. uncJ.:r Ot about Ehe Propeny or rhere is a violadon or any EnvirorvuenlOlI Law conccrui,g lhe: Property. In such an event. Mongagor s1\oIl1 take JIf necessary renh:dial action in ilccordance wi[h:my Ellvironnlc!nlallaw~ D. Mongagor shall immedialely nodfy Lender in wriling as soon as MonJ;agor ha. reason 10 believe tht:re is any pending ot Ihre_lened invesligilion. claim. or proceeding relalinglo the rele..e or tltlealoned release of any Hazardous Subsunct Or tile viola lion of any EnvironmeRlallaw. 18. CONDEII-IN,\ T!ON. Mong_gor will llive Lender pr"nlpl notice of any pending or "'rea,eDed aClioD, by prlvale or public enlilies to puC'chase or ta.kc an)' or aU of the Propeny Ihroua:h condemnouion. enlincnl domain. or any other meaDS. Mon,aJor authorizes Lc""er 10 intervene in Mongago.'s name in any of Ihe above described ..elions or chums. Mongagor assig"" 10 lenlltr the proc::e~"'S' of any award Or claint (or diUJuseS t:onnerttd with a condt'llU\.UtOn or olher talOng 01 all or IDY par1 or the I'IOpellY. Such proceeds shall be co""ide..d paymenls an<l will be applied a. provitled in chis Securiry loslnamenr. This assillnme", of proce.ds is subjecl 10 the leOl'S of any prior mon);.ge. dce<l of IruSI. sceurily agr.enlenl or o.bor lien docunlenl. 19. INSURANCE. Moncacot sholl keep.Propeny in.ur.d a~ainsllos. by fire. ()oo<I. Ihen .nd olltet hautd$ and risks reasonably associaced with me Propeny due 10 hs rype and Ioc;acion. This insurlUlc;c shan be: rnlincained i", rhe J,n\onnIS and for lb. periods II... Lellder requires, 1110 insurance eanier providing Ihe insularlCe shall be cbosen by Mongaso, subject 10 l.""er's approval, which shall 1I0l be ullIeasonably wilhh.ld. If Mongagor f.i1s /0 mainlain tho (Over"ge describe<l above. lemler may. al Lend.r'. oplion. oblain cove"ge 10 protecl lender's righls in lhe Propeoy according I~ Ute lenns of IlIi. SecurilY hlSlttlmcn.. All insurance pL'lidos amlronewals .h;,1I be aeeeplable to Lender and .hali include a Sl:tll<lanJ 'monsage cl.use- and. where aprlicilblt:, "loss paye~ clil.u:ie. '" MonCla;or sh311 illlmetli.nely nod(y Lender of c;ml.:elhlllUn or IcnnilUrion of Ih~ insurullcc. Lentler shall h:lve lhe ri~ln tl.) hohJ thct polici~5 ancJ renewab. If Lemler r~lJuires. Mon'gOl~or shall inusledialdy !live to lender all rcceiprs or p~id prenliunl$ anti renew:,l notices. Upon loss. Mortg~cor sh.dl give: if1\1llc:diatc notic:c: 10 th~ insurance cllmel and Lender. Lender may make proof of los. if nol made inlllledhllely by Mons.Sor. . <"11,*".. .."..,. :0......... I,,~.. :J.. c............II 11.~O~.31'.J'l"ll I..... ",C.A,'TC:;.PA 1111"'. S /f.,f' (p,g, 4 ~I 61 -:....:...:: .LLf..:. Bood502rACE .825 ,'T: f;' ~r Unless otherwise a,greed in wri1inc. all insuuncc: proc.:C'ccJs :th.n be .':Ipplicf.! fo lhe rc:s(oTJlion or repair of the ProperlY 01' 10 Ihe: Secured Oeht. whcllu::r (II" not Ihell due, .ill Lel1ller's artio'l. AI'Y applicOIliol1 or rU"oca:c:<.Is to principii. shall nol extend or pOSIJ'lllfl(: Ihe: due lhle of the .scheduled payment 1101' change the amount or any raymenl. Any exce:S$ \yilt be plthl 10 Ihe Mort~~&or. If the PlOrerty is ~cquiretJ by Leooer. Monc~.:or's righl to any insurance policies and procet!c1::; resuhiflg from tlal11&bC to Ihe Properly before the acquisicion sh..(( pass to Lender to Ihe eXlem of the Securec.J Debt i,"n\ecJialdy before lIu: dC1luisilioR. . . 20. ESCROW FOR 1.AXES AND INSURANCE. U"kss l'lh~rwisc provi,k~ In " scparalC aJ;rcc'n'enl. l-lorlJ;.gor will nOI b. r"luirc:cJ (0 pay II.) Lender funds for I~.,es 111cJ insur;ancc: in escruw. 21. FINANCIAL REPORTS AND ADDITIONAL DOCLlMENTS. MOrlll'j;Or will pravi"e to Lcnder upon rC'lU<SI. any fin.1nciOlI SI.lemcnc or in(omlation Lender may deem rc:asOI,-,bly nccC'sSilfy. )..lortgagor agrees co SiI:D. deliver.. and file allY auditional documcn!s or certifications tha' Lender may c:onsidt:t necessary 10 perfect. tonlinue, am! pregrvc Mongagor's oblig3lions umler d,is Seeurily Inslrumenl and Lemler.s licl1 S!<IlUS on 110. Properly. 22. JOL'll' AND INDIVIDUAL LIABILIT1', CO-SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All du.ics und.r Il,is Security Jnslrumcm ;are joint lUlcJ indivicJu.lh If Mortgagor signs chi:; Security InslrvrrKnt but docs no( sigll It" evidence or debt. Mortgagor docs so only to mOr1gagc MonsRsor's interest in the Properly to $tcurc: payment or the: Secured Debt aDd Mortgagor docs nOI Igree 10 be personalty Ji.ble on Ihl: Secured Debt. If this Stcurity Ins.rumc:nl secureS a guOllanty bel\.Vee-n lender and MortGagol', Monca Cor aa:rees 10 waive any riy:hts tha' nlay pre\l'e'nt: ~~.. (tOM bril1Gins Rny .ction or claint against Mo"sasot 01' any pi\ny indebted under Ole obligation. n.ese "ahts may include, but arc BOl limited 10, MY ."ti.dcficicncy or onc-ae.ion laws. Mons.sor asr..s thaIL."d.r and any pany 10 Ihis Seeurily I "slrument m.y "xtcn~. modify or make any change in the lemlS or th.is Securi.y lr\$cnJln~nc 0" an)' evidence of dl!bl without MonraBor.s COn:ienl:. Such a change will no' rdeasl; ~Iunsa8or from the tenus of this SeclJrity Jnstrunlent. The duti~s and hel1efit$ of this Security Ins'rum.nl sholl bind and bc"efir dl' successolS and assigns of Mortll.gor and .....nd.r. 2J. APPLICABLE LAW; SEVERABILITI'; INTERPRETATION. This Sceurily lr'Sltum.nt i. gov.med by the laws of Ibc jurisdiction in which lender is Jocal~d. eJtcept 10 the extent otherwise required by the laws of the jurisdiction _Ilere the Propeny is located. This Sccurily JnSIrVmCnl i$ complclc and fully intesrate-d. nlis Scc\lric7 Inslf"\lmcllt DUlY not be amended or mQJifietJ by or:" I~reclnelu. Any sectiOd in lhi~ Security Jnsrrunlenr. attaclunenl~. or any agreemeot relaled fO the SecUI'c:d Oe:hr rhac connicls wilh. applicable law will noe be: e((ecdve, Unl4:5S tllOlt law c:xprC5sly or io)plicdly pcm\ies the vu1l1ions by \V.imm a~rernl<nl. If any sc:ttion or this Sc:curily.lnstrument '...nOI be cnrorcw IIcconJi.., co its tem\s. Lilac seelion will be 5cvercll anll will nOI a((cct the: en(orc:ellbility or Ihe retnailklet or Ihis Security InsuulUenl. Whenever useu. die siuJ:Ul~' shan indude thc plurol and the plur..1 tit. singular. The captions ."d h..ding_ of d... seclions or 11';. Sccuril)' Instrum.nl are ror cOlwC'llience only ~nd are nol to be used 10 interpret Or defin.: the cc:nns of this Securit)' Instrun-acnt. Tin)e is oC Ole e$$cnce ill rhis Security' Instrument. 24. NOTICE. Unless tlLllerwis. r.quired by I.w, .ny nelke sh.1I be: ,iVCD by d.liverin~ il or by a,ailing il by first closs mwllo Ihe orppropri:uc: pillny's address on pa;:e I or lJli:; Security Instrument. or to any other adtJrC's5 dc:siJ:D.alcd in wfieinJl. Notice 10 one ruurtaaSOf" will hc!l tleemed '0 1M: norice 10 all nwn&:ilQors. 25~ \V,UVERS. E~,;cpl to rhe- c:uenC rrohibilc:d by t.w. MurtyuJ,;'ul' ""iliv~~ uny I"i~hl to arrrai}i~.nc=-nt re:huinJ: co Olte ProperlY. lie.." '~"h'. s.......... '''.:.. $.. C'."o. 1".1" Il.leC::.:UJ.l)UI J..... "C,"fTl:O'P~ tltl'It.l 8ood502,ACE .826 (p.g. 5 0/ 6} ~ 5.rE . .' . - I .'~'" .!.;; .'~', " r '~1i ' . '. . !,',.". (liJj1~ I' 26. OTIIER TERMS. Ir checked, lIle rollowing .re ~pplic.blc to Ihi. Security Instrument: o Line of Credit. The Secured Deb. includes a revolvit'lt: li~ o( credit provision. AhhouSh .he SCf;:ured Dcbr may be: r~duced to a u:ro b"oance. lhis Security Instrument will r~nt.i.iI. in effect untit [C'JcasetJ. o COtl.Uruction Lonn. nlis Security Ins.rumenr secures::m obligouion incurred (or the con.~trUClion or In improvcnn:nl on the I'roperry. o Fixtut"e FiJinc:.. trfong3sor gunts Iu lendc:r a sc:C'uriry interest in all goods that Moncagor owns now or in t.he future and lhat are or will become fixtures rel3tC'd to Ihe Properry. TIlis Security Ins.runlcnt suffices as a financir>>s Slilement "nd any c.rbon. photographic or ollocr reproduction m"y be filed of record for purposcs of Arlicl. 9 or dIe Unirorrn Commercial Code. D PUt'chR$e Money. This Sc:~urity 'nstrument secures .advances by Lender usr:d in whole or In J"o1n to acquire the: Propt:rlY. AccoIlJingl)'. this Security Jn~tru"H:nl. and the lien hereund~r~ i$ anLl sh..1I be: cunsuuetJ as a purchase '""nay morlg:L::c wilh :..-1 or t.he ri~llIs. pnotities and bc:udits thcrr:orunller .he la~ of lhe COlnlUonweahh of Pennsylvania. o NOTICE TC' BORROWER: THIS DOCUMENT CONTAINS PR()VISIONS FOR A VARIABLE INTEREST RATE. D Riders. TIle CovenantS and ae;reenlC'nls of C'.xh Dr the riders checked below .arc ;ncl,)fporatr:d into and supplemenr and "mend the lenns of U.is Stcuricy In$t"",.enc. (Check all applicable boxes' o Condollli.uum Rider 0 PI~nnc" Unic Developmenl Rider 0 Other ........ ........................................... o Additional Terms. SIGNA TURES: By signing below. Mongagor. imendinl: '0 be legally bound hereby, agrees .0 ,he lemlS and covenan.s contained in d.is Sccuricy Ins.rumcnt and in any allachmcn... Mongagor also acknowledges reccipl of . copy of this Security Insll''''lCnl On lhe~d on page I. / ./ .., ...........~...l/~................I(:.?-:.7.:.U' (S'C.".")jte"e:;. ;..;ai~ (I)".) ....A\{&~~.............. (WtIncu ACKNOWLEDGMENT: p nn yl an' a C w.~ COMIo./ONWEALTth OF .....~.....~....~.....~..........----i{ C?!I~TY OF .....~:~....!...............................} .s. ,........., ~~ ~h:~~r~:~~d .:;~:~;: ;;;~;.-.~~y.~~~;~~d. ::~~:~0.fF~~:~{~~::: ~~~~~:~: :~: !.;{~~~.~~.::~:::~ ~::::::::::::::::::::: .......................................................................................... known to me (or .alisraetorily provcn) to b. Ihe pcrson(s) wbose l'U.fl:ie($) is sub:icribed 10 the within instrument. and ac:knowletlced mar he/sbe executed the same for t.he purposes therein conwned_ In Wllm:ss whereof. J hen:umo set my hand .m<<.J official seal. IX \"'..~\\:'n~~:..,I;:.,. , tZ /- '''''''''f'j\ .u.. '.:..l:~; My to ':<~. ~ C r',.'" .'. '..";'1I\l'.....y-""~..~ (SuD VlO1<onIT~::~~~ry,."b.. ....... .... .............L:. ...Y.:...:.../,,~l3l~~~:"d:.f;,~~(jh eta.n r," B~~ 4fI,ghany COUnl.,. of .: f- : ~".il.:l.lt..1i ~ tl<:'~:.. MyCOUltnbSWln E-r-1f.. M~ to 2002 ''';'..~; ':5 t;Ci<llC.oov"'..... !;... ~.J MOI1\bor. PeMsyrvitnia i.".1wciat,on of NOI~rre$ ~.~ ';:. :......~~..._.+~$~i "Y.~i r" ....... ....... ..... ............. ........ .......~... .':~~..'.~.of,.rO.:.I;., ~I'~'C;' ~ TIOt' .tOenet1 . -..."t.:t:".................~ ...... r. is herchy ccniliculhat (he 'address or Ihe Lender widl;" n:tm(!d is: ...~~.~~.':.:-:~:::..~':'.~~~.":'~_ ~~...-::~.~':'.~.~~-:'.'::"~f{:~..,;~.t..{iJ:!~"~~\:. . )HH Uart:;d..lc;. D':lVa ~ulc.G 111. COlI"'? lhll. Pennaylv.3.ni.oa 17lJJl .....l'I. '~""II.nH" ........, .-.......................... .................................-.. .................................. ..............................'""....-...... .........................-..........................,........,.............. -. e......oI'. 1.4.. II-$O(',l.)'7',1)'-1f ,,,...IIII,'.na-~4 12JI~".a Boud.5a2 WE 8Z7 (P~9. 6 of 61 "'<- . EXlt:IBIT A Leqal DeScri~ J\LLo THAT CERTAIN fl>ROr&RTY.SITUATED 11'-1 '1'H8 TOI4NSHIP OF WBST PENNSBORO, eOUNTY OF CUMBERLAND M'D STATE OF PENNSY~VANIA, BEING MORE FU~~Y DESCRIBED IN PEED DATED '/l~/'i. RECORDED 10/10/96. APPEARING ~NC THE LAND RECOROS OF THE COUNTY AND STATB SET FORTH ABOVE IN OBBD BOOK 147, PACE to)~ Pa~cel ID: 46-09-0521-031 ~. '~;" ~'~. ~;.~~:~:..~:I:...~:.:~; i ~ t, ,.. ~,.. II;, ~ W~~_~~~h:": j'J' Iii;.": I~C('lrdin!l 'JI U....:-.: ~;.. .. r"~:~;~~~;~C"";~~li~\I~-i;1.().;;,: i i, . '. I~' ',_ 1I,,'hit~~~!iIJOfOfli" ; ,:':1,- ;~~)...~,:., ..._.J~.\ c..(I'.'4~.~;~;~, . d.y Q '.. ...:.';}~~i,~i~~~~~> , eeo,d., ,:..., ... .....!;ltll...:,.~!;.,' ....~ " '$'~..,;~:.~I~:f.,I,r},p: hi'.,:: Y~\~L~Wff/l"" ~.lrJZ'J' 'I"~~'" {'fi.'r<;:... t.- .!.,.... '~~'~f;,~f.~~t:.;t;r(. 'r)l'?,,/:;; .1...~Ii'.')'....., .:l}Jt1..:~;I':' .,.~.' ".~,,~~;'..,::'i/'" , '.... -0 . Boud502rAcE .828 ITJJatl,.:,tDilY--......;~.;...~M.~... . . .: Exhibit E " A LTA Loan. "lolicy SChedule ^ MORTGAGE TITLE INSURANCE POLICY SCHEDULE A Policy No. 825859 File No. PACU0880795 Amount of Insurance: $ 200.000.00 Date of Policy: December 2, 1998 at 08:00 AM 1. Name of Insured: Green Tree Consumer Discount Company, its successors and/or assigns , 2. The estate or interest in the land which is encumbered by the insured mortgage is: Fee Simple 3. Title to the estate or interest in the land is vested in: Steven A. Failor and Cynthia L. Failor. husband and wife, as tenants by the entireties (Deed Book 147, Page 403) " ,1. The insured mortgage and assignments thereof. if any, are described as follows: Mortgage dated November 27, 1998, given by Steven A. Failor and Cynthia L. Failor. husband and wife, as tenants by the entireties to Green Tree Consumer Discount Company and recorded on December 2. 1998 in Mortgage Book 1502 at page 822 of the office of the RECORDE:~ OF DEEDS, Cumberland County, Pennsylvania. given to secure a note in the amount of $200,000.00. 5. The land referred to in this policy is described as follows: FOR INFORMATIONAL PURPOSES ONLY: 525 Mount Rock Road, West Pennsboro Township, FA 17241 Newville , Cumberland County, Pennsylvania 46-09-0521-031 EXPRESS FINANCIAL SERVICES, INC. By: Lh. .., // . ".'1 .. ?;" ' a: ~~fr'y~.> Authorized S~gnatory This pelicy is invalid unless the insuring p~ovisions and Schedules A and B are attached First American Title Insurance Company -. , . . ~. # . ALTA Lo~~q Policy-Form 1 Sdlcdule B-Pan 1 MORTGAGE TITLE INSURANCE POLICY SCHEDULE B Policy No. 826859 File No. PACU0880796 EXCE~ONSFRO~fCOVERAGE This policy does not insure against loss or damage (and the Company ...;ill not pa:, costs, attorney's fees or expenses) which arise by reason of: 1- , Encroachments, overlaps. boundary line disputes and any other matters which would be disclosed by an accurate survey and inspection of the premises. ., Easements or claims of easements not shown by the public records. j. If <my improvements are erected upon the property during the current year. policy is i.ssued subject to any taxes for the current year, which may be heLeafter assessed or levied by virtue of new construction completed or or partially completed during the current year. not yet due and payable. 4. Coal and mining rights and all rights relating thereto. Policy insures against future surface operations on insured premises. NOTICE - THIS DOCUMENT MAY NOT/DOES NOT SELL, CONVEY, T~SFER, INCLUDE OR INSURE THE TITLE TO THE COAL AND RIGHT OF SUPPORT UNDERNEATH THE SURF~CE ~ID DESCRIBED OR REFERRED TO HEREIN, AND THE O~R OR O~~RS OF SUCH COAL M.1l,Y HAVE/HAVE THE COMPLETE LEGAL RIGHT TO REMOVE ALL OF SUCH COAL MID. IN THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE, BUILDING OR OTHER STRUCTURE ON OR IN SUCH LAND. THE INCLUSION OF THIS NOTICE DOES NOT ENLP~GE, RESTRICT OR MODIFY ANY LEGAL RIGHTS OR ESTATES OTHERWISE CREATED. TRANSFERRED, EXCEPTED OR RESERVED BY THIS INSTRUMENT. (This notice is set forth in the manner provided in Section 1 of the Act of July 17, 1957, P.L. 984, as amended, and is not intended as notice of unrecorded instruments, if any.) 5. Subject to rights of ways, easements, reservations or restrictions as contained in the prior chain of title or as shown on the recorded plan. 6. Mortgage to Meridian Bank, recorded 05/10/96, in the Office of the Recorder of Deeds for Cumberland County in Mortgage Book Volume 1319, page 344, in the amount of $31,700.00. This is a first lien mortgage. 7. Judgment at #98-4742, entered 08/17/98 in the amount of $7,593.50: LB Smith Ford, Inc., 12th.& Market Streets, Lemoyne v. Steve Failor, 525 Mount Rock Road, Ne"Nille, PA. 8. Subj ect to all current ReaJ. Estate Taxes: Paid through 19 97. 9. Subject to all current year's real estate taxes, not yet due and payable. This pelicy is inv~lid un:'ess the insuring provisions and Schedules A and E are at~ached First American Title Insurance Company ALl A Loan Policy Sdll:dule Il-Pan II MORTGAGE TITLE INSURANCE POLICY SCHEDULE B-ll Policy No. 826859 File No. PACU0880796 In addition to the matters set forth in Schedule (B), the title to the estate or interest in the land described or referred to in Schedule (A) is subject to the following matters, if any be shown, but the Company insures that these matters are 'jllbordinate to the lien or charge of the insured mortgage upon the estate or :Lnt.e.rcSI:.: "\ liONE This policy is invalid unl~ss the insuring provisions and Schedules A and 8 are accached First American Title Insurance Company Exhibit F ~:- - 1- .-. ~_~~:"'..,". . a \p> ~ D _ .{' 12. lD-717 E'.lH , . v ,- " ~ PREMIER ABSTRACTS UNLIMlttD, INC, . _ {r 6J6~ Blue Vin.y A''''\Ia · Harrlliuq. PX 1'\11 ~- q (f PIXNumbtn(717)~1tlor(71?)~l&3\.- ~tl.~t71ll~15SO ': SI.r:14lblitJ. fl!./~tr /itD'" 2(.1Jmr tzmr~iJII tir.ul ~J.,T~,;D~~ ;;~~QU i\T~~D.,N~UR.fE ~,.,il.lif~ eJ.' ~ "'CUMr~7?o./,fG..N;'- ~ ;.pi i ,.....alCiiill4 a.;Mr S7EV~ A.~ n. ,,~_' I 'N -.11.,.... 9-1&- f.tJ " . . ~ A_..... - Pt..'- ___ ,q, . qo "'_11'-"'0-. 8-f#U!./tI '-. MO"'tTC1l ,.ft1I/ , .- -, qv_Dq-o~ Q,- ag I ...--- ~ De:.--r ~IQ... L~O ~ . f.316S0 ~,o/i'7- '.1,091 Q7 T "700 " 'M ....,.... a.e. Pat- - f "'~Il: D ~ ~ ~ . shl,' :J"'" Jf. 7- iJ St4t'" S 'SP.t, , I +' /"f1l..fN6e I ~.'f' ,-,,,E,AS 5"15 0"41- I ~- s;r - A ,.,f) -/Aile. . _ ~i:.A f E.() [ .-1 . .3' 'II t,,,, ~75 - ~7. ~. ~-' , - . ! . " I . g."'': Ie. ~. , I ""St(}- l" 13 ; ," ~ , RECEIVED DEe 2 8 2aOt CAIYJB.RIDGE .- I ~- ' , . VERIFICATION The undersigned, James J. Pokusa, hereby verifies and states that: 1. He is counsel for Express Financial Services, Inc.; 2. He is authorized to make this Verification on its behalf; 3, The facts set forth in the foregoing Complaint are true and correct to the best of his knowledge, information and belief; and 4. He is aware that any false statements herein are made subject to the penalties of 18 Pa.C.S.A. ~4904, relating to unsworn falsification to aufhoritjes. \ \ \ , '..; Dated: Jame J. Pokusa, Esquire .~ .. .. - ~' ~ ~~ ~ ~ -..J \) ~ ~ ~ ~ ~ ~ \. ~~~; ;, ~' ~) ~~~= - ~ ./ 9 _~.. ::: i~ " ~ - '< "c ~. ( . r-_U --.f'" EXPRESS FINANCIAL SERVICES, INC" : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. ; NO. 03~ 2.~s' PREMIER ABSTRACTS UNLIMITED, INC, : CIVIL ACTION - LAW Defendant ACCEPTANCE OF SERVICE I accept service of the Complaint on behalf of Defendant Premier Abstracts Unlimited, mc, Dated .5' /t t( jJ.3 //~ and certify that I am authorized to do so, . Blo , Esquire L , DENNEHEY, WARNER, CO MAN & GOGGIN 1845 Walnut Street Philadelphia, PA 19103-4797 Attorney for Defendant :155285 (') ~; .,., ;~;~, lill ~:;-;~ c/:' ._('" r:;:',_ ;:-..... :::"':7" i~. --- /-~ o 0.) (') -n :J: :-:;:u -.,<: \.D [.':.) :.) (...) EXPRESS FINANCIAL SERVICES, INC., : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA Plaintiff, v, NO. 03-2255 PREMIER ABSTRACTS UNLIMITED, INC" CIVIL ACTION - LAW Defendant. REPLY OF EXPRESS FINANCIAL SERVICES. INC. TO NEW MATTER OF DEFENDANT PREMIER ABSTRACTS UNLIMITED. INe. AND NOW COMES the Plaintiff, Express Financial SelVices, Inc, ("Express"), by and through its counsel, Shumaker Williams, P,C" to state the following Reply to New Matter of Defendant Premier Abstracts Unlimited, Inc,: 66, Denied as a conclusion oflaw, The averments contained in paragraph 66 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 67, Denied as a conclusion oflaw, The averments contained in paragraph 67 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 68, Denied as a conclusion oflaw, The averments contained in paragraph 68 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, By way of further responsive, after reasonable investigation, Express is without information or knowledge sufficient to for a belief as to the truth of the averments set forth in paragraph 68 of the New Matter. : 69, Denied as a conclusion oflaw, The averments contained in paragraph 69 constitute conclusions of law to which no responsive pleading is requin:d, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 70, Denied as a conclusion of law, The averments contained in paragraph 70 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 71. Denied as a conclusion oflaw, The averments contained in paragraph 71 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 72, Denied as a conclusion oflaw, The averments contained in paragraph 72 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 73, Denied as a conclusion oflaw. The averments contained in paragraph 73 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 74, Denied as a conclusion oflaw. The averments contained in paragraph 74 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 2 75, Denied as a conclusion oflaw, The averments contained in paragraph 75 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 76, Denied as a conclusion of law. The averments contained in paragraph 76 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 77. Denied as a conclusion oflaw, The averments contained in paragraph 77 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, WHEREFORE, Plaintiff respectfully requests this Honorable Court to enter judgment in its favor and against Defendant and award Plaintiff damages in excess of $35,000, plus interest, costs, and such other relief as the Court may deem necessary and/or appropriate, SHUMAKER WILLIAMS, P,C. Dated: G I (6/ (J) By ~ O.5.,JwJ~ Laurence W, Dague, I.D, #19715 Anthony J. Foschi, I.D, #55896 Melissa A. Swauger, I,D. #82382 P,O, Box 88 Hanisburg,PA 17108 (717)763..1121 Attorneys for Plaintiff : 155830 3 CERTIFICATE OF SERVICE I, Melissa A. Swauger, Esquire, of the law firm of Shumaker Williams, P,C" hereby certify that I served a true and correct copy of the foregoing Reply of Express Financial Services, Inc, to New Matter of Defendant Premier Abstracts Unlimited, mc, in the possession of the United States mail, first-class, postage prepaid, addressed as follows: Timothy J, Bloh, Esquire MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN 1845 Walnut Street Philadelphia, PA 19103-4797 Attorney for Defendant SHUMAKER WILLIAMS, P,C, Dated: <..9 ( (() Ill) By ~l-1 (;. Jw~ Melissa A. Swauger ~ P.O, Box 88 Harrisburg, PA 17108 (717)763.1121 o ~ "TJf"f, mfl; 2::..1 :;:'f' (j) :~ -<- r~' , ~I.- ;,:;C C ;.::-' -( ., C) L.J t.:> -n <.-. 1;-' . "-;' :-, tv ~~~' OJ] -< MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN BY: Janesa Urbano, Esquire Attorney Identification No,: 77790 1845 Walnut Street, 17th Floor Philadelphia, PA 19103 (215) 575-2730 EXPRESS FINANCIAL SERVICES, INe. v, CUMBERLAND COUNTY COURT OF COMMON PLEAS CNIL ACTION - LAW PREMIER ABSTRACTS UNLIMITED, INC, NO, 03-2255 DEFENDANT'S MOTION FOR JUDGMENT ON THE PLEADINGS Defendant, Premier Abstracts Unlimited, Inc" by and through its attorneys, Marshall, Dennehey, Warner, Coleman & Goggin, hereby request that this Honorable Court grant their Motion for Judgment on the Pleadings pursuant to Pennsylvania Rule of Civil Procedure 1034,1, and in support thereof state the following: I. On May 12, 2003, Plaintiff, Express Financial S,:rvices, Inc" (hereinafter referred to as "Plaintiff' or "Express Financial") initiated the instant action by way of Complaint. Plaintiff alleges causes of action for breach of contract and quantum meruit against Defendant, Premier Abstracts Unlimited, Inc, (A true and correct copy of Plaintiffs Complaint is attached hereto as Exhibit "A"), 2, On or about May 22, 2003, Defendant, Premier Abstracts Unlimited, Inc, (hereinafter referred to as "Premier") filed its Answer to Plaintiffs Complaint with New Matter. (A true and correct copy of Defendant's Answer is attached hereto as Exhibit "B"). 3. In Paragraph 70 of Premier's New Matter, Premier avers that "Plaintiff's Complaint is barred by the applicable Statute of Limitations. (See Exhibit B, ~70), 2 4, On or about June 11,2003, Plaintiff filed its Reply to New Matter of Defendant Premier Abstracts Unlimited, Inc, (A true and correct copy of Plaintiffs Reply is attached hereto as Exhibit "C"), 5, In its Reply, Plaintiff averred that Defendant's assertion ofa statute oflimitations defense was a conclusion oflaw, and, therefore denied the contents of Paragraph 70, (See Exhibit C, ~70), 6, "The application of the statute of limitations to an alleged cause of action is a matter of law to be determined by the court," Packer Society Hill Travel Agency v, Presbyterian Univ, of Pa, Med. Ctr" 635 A.2d 649,651 (pa, Super, 1993), 7, Actions for breach of contract are subject to a four year statute of limitations, 42 Pa,C,S, ~5525(8); Packer Society Hill Travel Agency v, Presbyterian Univ, ofPa, Med. Ctr" 635 A.2d 649, 651 (Pa, Super. 1993), 8, "The statute oflimitations for a quantum meruit action is also four years," Cole v, Lawrence. 701 A.2d 987, 989 (pa, Super. 1997), 9, Plaintiff avers that Premier provided a title report to Plaintiff on or about August 28, 1998, which indicated that Premier completed a title search of the property through August 18, 1998, (See Exhibit "A", specifically ~12 of Plaintiffs Complaint ,md Exhibit "B" to Plaintiffs Complaint), 1 0, Plaintiff argues that Premier provided another title report to Plaintiff or about November 30, 1998 which indicated that Premier completed a bringdown search through November 23,1998, (See Exhibit "A", specifically ~13 of Plaintiffs Complaint and Exhibit "C" to Plaintiffs Complaint), 3 II, In its attempt to recover damages against Premier, Plaintiff alleges, through causes of action for breach of contract and quantum meruit, that Premier missed a deed for the subject property wherein the subject property was sold to a third party on November 27, 1998, (See Exhibit "A", specifically ~48 of Plaintiffs Complaint), 12, In this case, Plaintiff asserts that the last search was performed on November 30, 1998, (See Exhibit "A",) Therefore, Plaintiffs action must hav,e been filed no later that November 30, 1992, Plaintiffs Complaint was not filed until May 12, 2003, (See time-stamp on Exhibit "A",) 13, The running of the Statute of Limitations not only precludes a remedy for Plaintiffs claim, but it extinguishes its right to recover. See Overmiller v. D,E, Horn, 159 A2d 245,247 (Pa,Super. 1960), 14, Plaintiff cannot claim that the Statute of Limitations in this case was tolled by the discovery rule such that its lawsuit was timely when filed in 2003, IS, Prior to applying the exception provided by the discovery rule, the Court must address the ability ofthe injured party, exercising reasonable diligence, to know that he has been injured by the act of another. Pocono International Raceway. Inc,. v, Pocono Produce, Inc" 468 A2d 468,471 (Pa, 1983), 16, The "injury" alleged by Plaintiff in this case is that the property holders sold the property to a third party and that mortgage was not listed in the searches performed by Premier Abstract. (See Exhibit "A") 17, In this matter, Plaintiff admits that the intervening third-party mortgage was recorded on December 2, 1998, (~18 of Plaintiffs Complaint - Exhibit "A"), 4 18, Therefore, Plaintiff clearly has constructive notice of its alleged injury with the applicable statute of limitations period, Accordingly, the discovery rule does not toll the Statute of Limitations, 19, This action was not filed until May of 2003, nearly five years after the deed in question was recorded, and, consequently, Plaintiffs Complaint is untimely, WHEREFORE, Defendant, Premier Abstracts Unlimited, mc" respectfully requests that this Honorable Court grant its Motion for Judgment on the Pleadings and dismiss Plaintiffs Complaint with prejudice, MARSHALL,DEN EY, WARNER, COLEMAN OG IN Date: Z/s/o4 SA ANa, ESQUIRE Attorney for Defendant, Premier Abstracts Unlimited, mc, \0 1_17\LIAB\JXU\LLPG\507924\JXU\20671 \00273 5 MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN BY: Janesa Urbano, Esquire Attorney Identification No,: 77790 1845 Walnut Street, 17th Floor Philadelphia, PA 19103 (215) 575-2730 EXPRESS FINANCIAL SERVICES, INC, v, CUMBERLAND COUNTY COURT OF COMMON PLEAS CNIL ACTION - LAW PREMIER ABSTRACTS UNLIMITED, INe. NO, 03-2255 DEFENDANT PREMIER ABSTRACTS UNLIMITED, INC.'S MEMORANDUM OF LAW IN SUPPORT OF ITS MOTION FOR JUDGMENT ON THE PLEADINGS I. INTRODUCTION Based upon the pleadings in this case to date, it is respectfully submitted that this Honorable Court must grant Defendant, Premier Abstracts Unlimited, Inc.'s Motion for Judgment on the Pleadings and dismiss Plaintiffs Complaint with prejudice, As the pleadings indicate, this action involves a title search and bringdown that was completed between August 18,1998 and November 27,1998, Since Plaintiff did not file its Complaint averring breach of contract and quantum meruit until May 12, 2003, its action is time-barred, and this Honorable Court should so find, II. FACTS AND PROCEDURAL HISTORY On May 12, 2003, Plaintiff, Express Financial Services, Inc" (hereinafter referred to as "Plaintiff' or "Express Financial") initiated the instant action by way of Complaint. Plaintiff alleges causes of action for breach of contract and quantum memit against Defendant, Premier Abstracts Unlimited, Inc, (A true and correct copy of Plaintiffs Complaint is attached hereto as Exhibit "A"). On or about May 22, 2003, Defendant, Premier Abstracts Unlimited, Inc, (hereinafter referred to as "Premier ") filed its Answer to Plaintiff's Complaint with New Matter, (A true and correct copy of Defendant's Answer is attached hereto as Exhibit "B"), In Paragraph 70 of Premier's New Matter, Premier avers that "Plaintiff's Complaint is barred by the applicable Statute of Limitations, (See Exhibit B, ~70), On or about June 11,2003, Plaintiff filed its Reply to New Matter of Defendant Premier Abstracts Unlimited, Inc, (A true and correct copy ofPlaintifl's Reply is attached hereto as Exhibit "C"), In its Reply, Plaintiff averred that Defendant's assertion of a statute oflimitations defense was a conclusion oflaw, and, therefore denied the contents of Paragraph 70, (See Exhibit C, ~70), "The application of the statute of limitations to an alleged cause of action is a matter of law to be determined by the court," Packer Society Hill Travel Agency v. Presbyterian Univ. of Pa, Med. Ctr" 635 A.2d 649, 651 (pa, Super. 1993), Actions for breach of contract are subject to a four year statute oflimitations, 42 Pa,C,S, 95525(8); Packer Society Hill Travel Agency v, Presbyterian Univ, ofPa, Med, Ctr" 635 A.2d 649,651 (Pa, Super, 1993), "The statute oflimitations for a quantum meruit action is also four years," Cole v, Lawrence, 701 A.2d 987, 989 (pa, Super. 1997), Plaintiff avers that Premier provided a title report to Plaintiff on or about August 28, 1998, which indicated that Premier completed a title search of the property through August 18, 1998, (See Exhibit "A", specifically ~12 ofPlaintifl's Complaint and Exhibit "8" to Plaintiff's Complaint), Plaintiff argues that Premier provided another title report to Plaintiff or about November 30, 1998 which indicated that Premier completed a bringdown search through November 23, 1998, (See Exhibit "A", specifically ~13 ofPlaintifl's Complaint and Exhibit "C" to Plaintiff's Complaint), In its attempt to recover damages against Premier, Plaintifr alleges, through causes of action for breach of contract and quantum meruit, that Premier missed a deed for the subject property 2 wherein the subject property was sold to a third party on November 27,1998, (See Exhibit "A", specifically ~48 of Plaintiff's Complaint), In support of these arguments, Plaintiff avers that" [o]n or about August 24, 1998, Plaintiff entered into a contract with Defendant." (See Exhibit "A", specifically ~45 of Plaintiff's Complaint), Thereafter, as detailed above, Plaintiff avers that searches performed by Premier on August 18, 1998 and November 30, 1998 breached that contract and by failing to list the November 27, 1998 sale, Premier was unjustly enriched under a quantum meruit theory, (See Exhibit "A"), III. STANDARD OF REVIEW Judgment on the pleadings is appropriate "where the pleadings and any documents attached thereto create no material issues of fact and the case is so clear that a trial would clearly be a fruitless exercise," Roberts v, Estate of Pursley, 700 A.2d 475,481 (Pa,Super. 1997(emphasis added); see also, Pa, R.Civ,P, 1034, IV. ARGUMENT A. Plaintiff's Complaint is barred by the applicable statute of limitations Our courts have repeatedly emphasized that "it is the duty of a party asserting a cause of action to use all reasonable diligence to be properly informed ofthe facts and circumstances upon which a potential right of recovery is based and to institute: suit within the prescribed statutory period," Murphy v, Saavedra, 746 A.2d 92, 94 (Pa, 2000); see also, Hayward v, Medica(Center of Beaver County, 608 A.2d 1040, 1043 (Pa, 1992); Pocono International Raceway, Inc" v, Pocono Produce, Inc" 468 A,2d 468, 471 (Pa, 1983), Moreover, it is clear that lack of knowledge, mistake or misunderstanding do not toll the running of the Statute of Limitations, Pocono, 468 A.2d at 471, 3 Claims of breach of contract are subject to the four-year Statute of Limitations set forth in 42 Pa, C,S,A, g5525(8), See Packer Society Hill Travel Agency v, Presbyterian Univ, of Pa, Med. Ctr., 635 A.2d 649, 651(Pa,Super, 1993), In fact, the Packer Court removed any doubt as to the applicability ofthe four-year limitations period to a case such as the instant matter where the Superior Court emphatically stated that "the words of the statute are clear and free of ambiguity, The statute oflimitations for an action based on 'a contract, obligation or liability found upon a writing, , , under seal or otherwise' is four years," Id, (quoting 42 Pa, C.S,A. g5525(8)), Plaintiff, in its Complaint, specifically states that this action arises from a contract. (See Exhibit "A", ~45), Similarly, "[a]ctions founded upon a contract that is not in writing are subject to a four year statute oflimitations," Cole v, Lawrence, 701 A.2d 987, 989 (Pa, Super, 1997); 42 Pa, C,S,A. g5525(3), "The statute oflimitations for a quantum memit action is also four years," Id, As a result, the four-year statute of limitations period applies to the instant matter. In this case, Plaintiff asserts that the last search was performed on November 30, 1998, (See Exhibit "A"), Therefore, Plaintiffs action must have been filed no later that November 30, 1992, Plaintiffs Complaint was not filed until May 12, 2003, (See time-stamp on Exhibit "A"), The running of the Statute of Limitations not only precludes a remedy for Plaintiffs claim, but it extinguishes its right to recover. See Overmiller v, D,E, Horn, 159 A.2d 245, 247 (Pa,Super. 1960), Thus, this Court is constrained to dismiss Plaintiffs Complaint with prejudice where Plaintiff failed to file an action for breach of contract and quantum meruit within the four- year statute oflimitations period, 4 B, The discovery rule does not toll the statute of limitations Plaintiff cannot claim that the Statute of Limitations in this case was tolled by the discovery rule such that its lawsuit was timely when filed in 2003, The "discovery rule" is an exception to the general rule that once the statutory period has expired, the party is barred from bringing suit. This rule provides that where the existence of the injury is not known to the complaining party and such knowledge cannot reasonably be ascertained within the prescribed statutory period, the limitations period does not begin to run until discovery of the injury is reasonably possible, Hayward v, Med. Ctr, of Beaver Cty" 608 A.2d 1040, 1040 (Pa, 1992); Schaffer v, Larzelere, 189 A.2d 267,270 (Pa, 1963), Prior to applying the exception provided by the discovery rule, the Court must address the ability of the injured party, exercising reasonable diligence, to know that he has been injured by the act of another. Pocono, 468 A.2d at 471, The "injury" alleged by Plaintiff in this case is that the property holders sold the property to a third party and that mortgage was not listed in the searches performed by Premier. (See Exhibit "A"), A number of factors indicate clearly that Plaintiff knew or should have known of this injury, at the latest, on December 2, 1998, A similar instance to the one at hand arose before the Superior Court of Pennsylvania in Weik v. Estate of Brown, 794 A.2d 907 (Pa, Super. 2002), In Weik, defendant gave plaintiff an option to buy her property in July of 1994, Plaintiff paid for the option and subsequently, in March of 1995, defendant sold the property to a third person and the deed was recorded the same day, Plaintiff admitted that the action was subject to a five-year statute of limitations but nonetheless did not filed the suit until April of2000, ld, at 908, The Court held that the recorded of the deed was constructive notice to plaintiff and, therefore, plaintiff should have filed suit no later than March of2000, ld, at 909, Specifically, the Court held that the recording 5 statute [21 P,S, S351] serves to give notice to the public and thus, plaintiff had constructive notice of the deed be virtue of it being filed, Id, at 911. "No reasonable mind would disagree that [plaintiff] failed to exercise due diligence in discovering his injury," Id, In this matter, Plaintiff admits that the intervening third-party mortgage was recorded on December 2, 1998, (~18 of Plaintiffs Complaint - Exhibit "A"), Therefore, Plaintiff clearly has constructive notice of its alleged injury with the applicable statute of limitations period, Accordingly, the discovery rule does not toll the Statute of Limitations, Hayward, supra; Schaffer, supra, Nonetheless, this action was not filed until May of 2003, nearly five years after the deed in question was recorded, Consequently, Plaintiffs Complaint is untimely and this Court is constrained to dismiss Plaintiffs Complaint with prejudice, V. CONCLUSION For the reasons set forth above, Defendant, Premier Abstracts Unlimited, Inc" respectfully requests that this Honorable Court grant its Motion for Judgment on the Pleadings and dismiss Plaintiffs Complaint with prejudice, Respectfully submitted, SA 0, ESQUIRE Attorney for Defendant, Premier Abstracts Unlimited, mc, 10 1_17ILlAB\JXUILLPG\507924\JXU\20671 \00273 6 VERIFICATION Janesa Urbano, Esquire, Attorney for Defendant, Premier Abstracts Unlimited, mc" verifies that the facts set forth in the Motion for Judgment on th,~ Pleadings are true to the best of his knowledge, information and belief, If the above statements are not true, the deponent is subject to the penalties of 18 Pa,C,S, g4904 relating to unsworn falsification to authorities, Dated: v/10tf \0 I_I 7\LIAB\JXU\LLPG\507924\JXU\20671 \00273 MARSHALL,DENNEHEY,WARNE~ COLEMAN & GOGGIN BY: Janesa Urbano, Esquire Attorney Identification No,: 77790 1845 Walnut Street, 17th Floor Philadelphia, PA 19103 (215) 575-2730 v, CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL ACTION - LAW EXPRESS FINANCIAL SERVICES, INC, PREMIER ABSTRACTS UNLIMITED, INC, NO, 03-2255 CERTIFICATION OF SERVICE I hereby certify that I have served upon all persons listed below a true and correct copy of Defendant's Motion for Judgment on the Pleadings in the above-captioned matter this date by regular mail. Melissa A. Swauger, Esquire Shumaker Williams, P,C, P,O, Box 88 Harrisburg, PA 17108 Dated: v/5/u ct , W ARNE~ EXPRESS FINANCIAL SERVICES, INC., : IN THE COURT OF COMMON PLEAS 1415 Route 70, Suite 106, Cherry Hill, CUMBERLAND COUNTY, PENNSYL VANIA New Jersey 08034, Plaintiff v. NO, 03' ;;1~..5 ~ PREMIER ABSTRACTS UNLIMITED, INC" 6161 Blue Valley Avenue, Harrisburg, Pennsylvania 17112, Defendant CIVIL ACTION - LAW ,_., ~ C. " 1-, NOTICE ._, YOU HAVE BEEN SUED' IN COURT. If you wish to defend against the Claims'1;et faith 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 obj ections to the claims set forth against you, You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff, You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 (717) 249-3166 800-990-9108 NOTICIA USTED HA smo DEMANDADO/A EN CORTE, Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personal mente 0 por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya, Se Ie advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda 0 cualquier otra reclamacion 0 remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u otros derechos importantes para usted, USTED DEBELLEV ARESTEDOCUMENTO ASU ABOGADO INMEDIA TAMENTE. SI USTED NO TIENE UN ABOGADO 0 NO PUEDE P AGARLE A UNO, LLAME 0 VA Y A A LA SIGUIENTE OFICINA PARA A VERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL, Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717)249-3166 800-990-9108 SHUMAKER WILLIAMS, P,c. Dated: 6\ (;'\i}3 By ~(i' 6" j ,^,(Jvv~1L- Laurence W. Dague, J.D. #19715 Anthony J Foschi, LD, #55896 Melissa A. Swauger, LD, #82382 P,O. Box 88 Harrisburg, PA 17108 (717) 763-1121 Attorneys for Plaintiff EXPRESS FINANCIAL SERVICES, INC., : IN THE COURT OF COMMON PLEAS 1415 Route 70, Suite 106, Cheny Hill, CUMBERLAND COUNTY, PENNSYLVANIA New Jersey 08034, Plaintiff v. NO, PREMIER ABSTRACTS UNLIMITED, INC" 6161 Blue Valley Avenue, Harrisburg, Pennsylvania 17112, Defendant CIVIL ACTION - LAW COMPLAINT AND NOW COMES the Plaintiff, Express Financial Services, Inc" by and through its counsel, Shumaker Williams, P.c., and states the following: 1, Plaintiff, Express Financial Services, Inc" is a corporation with its headquarters located at ACACIA Building, Suite 206, 875 Greentree Road, Pittsburgh, Allegheny County, Pennsylvania 15220, 2, Defendant, Premier Abstracts Unlimited, Inc" is a Pennsylvania corporation with a registered office located at 6161 Blue Valley Avenue, Dauphin County, Harrisburg, Pennsylvania 17112, 3. All the acts alleged to have been done or not to have been done by Defendant were done or not done by said Defendant or its agents, servants, and/or employees, acting in the course and scope of their employment with or on behalf of said Defendant. 4. Plaintiff entered into contracts with Defendant whereby Plaintiff would request a title search and Defendant would complete the search and provide a title report to Plaintiff prior to the closing. 5, In addition, Defendant would complete a bringdown title search and provide a title report to Plaintiff after the closing and prior to the recording of a deed and/or mortgage, 6, On August 24, 1998, Green Tree Consumer Discount Company ("Green Tree") contacted Plaintiff about issuing a mortgage title insurance policy. 7, Green Tree provided Plaintiff with the information necessary to complete its title search order form, A true and correct copy of this order form is attached hereto as Exhibit "A" 8, On August 24, 1998, Plaintiff requested that Defendant complete a title search of Steven A Failor and Cynthia L. Failor (the "Failors") at the property address of 525 Mount Rock Road, Newville, Pennsylvania (hereinafter the "property") by faxing its title search order form to Defendant. See Exhibit "A" 9. Plaintiff did not supply Defendant with a Deed book and Page number for the property . 10, Plaintiff hired and/or contracted Defendant to prepare a title search for the Failors at the property so that it could issue a mortgage title insurance policy to Green Tree. II. In issuing a mortgage title insurance policy, Plaintiff must report the following information on the schedules attached to the commitment: the interest in the land which is encumbered by the insured mortgage, to whom title to the estate or interest is vested in, description of the insured mortgage, description of the land, and any encumbrances upon the property. 2 12, Defendant provided a title report to Plaintiff on or about August 28, 1998, which indicated that Defendant completed a title search of the propeI1y through August 18, 1998, A true and correct copy of the title report is attached hereto as Exhibit "B," 13, Defendant provided another title report to Plaintiff on or about November 30, 1998, which indicated that Defendant completed a bringdown title s(~arch of the Failors for the property through November 23, 1998. A true and correct copy of the title report is attached hereto as Exhibit "C." 14. When Defendant completed the bringdown search, it should have searched all out sale deeds to see whether the Failors sold the property they intended to encumber with the mortgage and reported such information to Plaintiff on the title report, 15, On November 27, 1998, the Failors refinanced their mortgage through Green Tree, 16. A loan in the amount of $200,000 was given to the Failors by Green Tree (now Conseco Finance Consumer Discount Company), which was secured by the property and disbursed on December 21, 1998, A true and correct copy of the mortgage is attached hereto as Exhibit "D," 17. Green Tree Mortgage Services was the settlement agent for the Failors' settlement. 18. The mortgage dated November 27, 1998, was recorded on December 2, 1998 in Book 1502, Page 822. See Exhibit "D," 19, Plaintiff issued a mortgage title insurance policy in the amount of $200,000, Policy Number 826859, to Green Tree insuring the mortgage as a third lien mortgage on the property, A 3 .' true and correct copy of the Schedules to the mortgage title insurance policy are attached hereto as Exhibit "E," 20, First American Title Insurance Company ("First American") was the undeIWriter of the aforementioned policy, 21, In preparing and issuing the aforementioned policy, Plaintiff relied upon Defendant's title reports. 22, In order for Plaintiff to prepare Schedules A, B, and B-II to the policy, Plaintiff had to rely upon the information contained in Defendant's title reports, which is based upon Defendant's title search of the Failors, See Exhibit "E," 23. The property identified in the mortgage and the mortgage title insurance policy, Schedule A, was the property located at 525 Mount Rock Road, Newville, Pennsylvania, based upon the information from Defendant. 24. The Failors defaulted on their mortgage through Green Tree, 25, When Green Tree attempted to foreclose on the property, it learned that the Failors did not own the property. 26. On or about August 31, 1998, the Failors sold the property to Daniel Mains for a purchase price of $30,000, 27. The deed from the Failorsto Daniel Mains was recorded on August 31,1998 in Deed Book 184, Page 501. 28. Therefore, Green Tree could not foreclose on the property and submitted a claim to First American under the mortgage title insurance policy, 4 . 29. In searching the title of the Failors, Defendant should have and may have known that the Failors sold the property on August 31, 1998, 30, On its title reports, Defendant should have reported to Plaintiff that the Failors sold the property on August 31, 1998, but it did not. See Exhibits "B" and "C," 31, First American submitted a claim under the mortgage title insurance policy alleging that the land securing the mortgage was conveyed by the Failors to a third party, prior to the Failors entering into the mortgage, 32, In order to resolve Green Tree's claim under the mortgage title insurance policy, Plaintiff had to pay First American $135,000, 33. Plaintiff paid Defendant for preparing the title search with regard to the Failors, 34, Upon its best information, Plaintiff does not believe that the Failors executed a buyers' affidavit stating that they owned the property securing the mortgage, 35, Plaintiff has notified Defendant that it intended to hold it responsible for the losses it incurred under the mortgage title insurance policy due to Defendant's failure to report to it that the Failors sold the property referenced in the mortgage title insurance policy prior to the refinance, but Defendant has refused to compensate Plaintiff for such losses. 36. In fact when Plaintiff notified Defendant about its claim, Defendant provided Plaintiff with a copy of the title report dated August 25, 1998 which includes a handwritten note from Defendant's employee that only mortgages were checked on tb.e property from August 18, 1998 through November 20, 1998. A true and correct copy of the title report is attached hereto as Exhibit "F." 5 .' 37, Defendant did not notify Plaintiff that it only searched mortgages on the property from August 18, 1998 through November 20, 1998 prior to thf: closing on November 27, 1998, 38, In addition, Defendant did not notify Plaintiff that it only searched mortgages on the property from August 18, 1998 through November 20, 1998 prior to Plaintiff issuing the mortgage title insurance policy, 39, Defendant also did not notify Plaintiff that it missed the deed recorded on August31, 1998 in which the Failors sold the property described in the mortgage and mortgage title insurance policy. 40, In addition, an employee of Defendant admitted to Plaintiff that Defendant missed the out sale deed when it completed its title search for Plaintiff. 41. It is common practice to search outsale deeds when completing a bringdown search, 42, Defendant failed to complete a proper bringdown search, 43, Accordingly, due to Defendant's error in completing the title search of the Failors' property for Plaintiff, Plaintiff had to pay a claim under the mortgage title insurance policy to First American, Count I Breach of Contract 44, Paragraphs I through 43 above are incorporated herein by reference. 45, On or about August 24, 1998, Plaintiff entered into a contract with Defendant to complete a title search of the Failors at the property address of 525 Mount Rock Road, Newville, Pennsylvania. 6 46, Defendant understood and knew that a material term of the contract was to complete a title search which would show whether or not the Failon: owned the property securing the mortgage, 47. In fact, the contract provided that Defendant give Plaintiff grantor information for the Failors at the property address of 525 Mount Rock Road, Newville, Pennsylvania. 48, Defendant materially breached the contract by missing the deed wherein the Failors sold the property referenced in the mortgage and mortgage title insurance policy to a third party prior to refinancing their mo~gage on November 27, 1998, 49. Defendant materially breached the contract by failing to report to Plaintiff that the Failors sold the property securing the mortgage, 50, Defendants also materially breached the contract by failing to give Plaintiff an accurate legal description of the property to include in the mort:gage title insurance policy, 51. Defendant's aforesaid actions with regard to the contract constitute breaches of contract even if such actions are not deemed to be material. 52, Defendant's aforesaid breaches of contract have caused and continue to cause damages to Plaintiff. 53, Plaintiff had to pay First American $135,000 under the mortgage title insurance policy, 54. In addition, Plaintiff has incurred attorneys' fees due to Defendant's breach of contract 7 WHEREFORE, Plaintiff respectfully requests this Honorable Court to enter judgment in its favor and against Defendant and award Plaintiff damages in excess of $35,000, plus interest, costs, and such other relief as the Court may deem necessary and/or appropriate. Count II Quantum Meruit 55, Paragraphs 1 through 54 above are incorporated herein by reference, 56, Plaintiff employed Defendant to complete an accurate title search and prepare an accurate title report for Steven A. Failor and Cynthia L. Failor of 525 Mount Rock Road, Newville, Pennsylvania, See Exhibit "A." 57. Defendant failed to perform said services as requested by Plaintiff. 58. Plaintiff accepted Defendant's work and paid Plaintifffor same, 59. Plaintiff conferred a benefit upon Defendant by paying it for services it failed to accurately complete, 60, Specifically, Plaintiff paid Defendant for completing a title search and preparing title reports, which Defendant failed to accurately do, 61, Defendant appreciated such benefit because it was paid, 62, Defendant's acceptance and retention of such benefit under these circumstances is inequitable, 63, In completing its title search, Defendant should have and may have learned that the Failors sold the property prior to November 27, 1998, 8 64, Defendant should have reported to Plaintiff that the Failors did not own the property because it knew Plaintiff was issuing a mortgage title insuran,:e policy insuring that the mortgage was a third lien on the property, 65, Defendant has been unjustly enriched because it was paid for a title search and title reports that it failed to accurately complete; consequently, Plaintiff had to pay First American $135,000 under the mortgage title insurance policy, WHEREFORE, Plaintiff respectfully requests this Honorable Court to enter judgment in its favor and against Defendant and award Plaintiff damages in excess of$35,000, plus interest, costs, and such other relief as the Court may deem necessary and/or appropriate. SHUMAKER WILLIAMS, p,c. /\\J-\~3 Dated: ~ By ~e... Q,JVVCt-\i~ Laurence W, Dague, I.D, #19715 Anthony J Foschi, I.D, #55896 Melissa A. Swauger, I.D, #82382 1',0, Box 88 Harrisburg,PA 17108 (717)763-1121 : 143569 Attorneys for Plaintiff 9 ?l 7 975 <l833 ;-AUG.q4-98 MON 03: 50 PM GRb.., REE MTG, HBCo ~1'.i/I~Y98 21: 3e I'IU.O',:: lr"o:_11 FAX NO, 71 0 d75 0833 po, 01 .~ JIJl l .'~"b ocr... 1-..J,1 4120 Ol~ Ge~Yibu'll Ro.d, S",[. 209 M....p..,~,'i, rJ\ POll NO,218 1Ie,''< BPS !ttc)f- elM" (111) 91Z,IOn F... (711) 91H~lO F", (717) 97H~1S ExpreJS f'inandal Ser\'i'e& TITLE SEARCH ORDER FORM lP~ 01 TY>B '~I""'.Il OA1'l:: A.NO '11M!::: F~OM (CONTACl' "AME);_r a AllDR: " r.: y.~_ I P}'ONU. , . ,1"~XU (WE AJC:. A: I. Bll.OKEIl. $?.g ~,LENPE1I) (/ 1;( ~El>'PER: Mr'<.lj..) 7;-:~( U;NOBR CONTM;T: 1.I!ND!lR PHONEN: Lf.NPEll. F ....... --.--...--. n.. TE PllOPF.Rrr A.C'QlJ!JU;Il'_._... P !Ufr MORTO .$ e;;lUOWEIU r-r",/o,ll!: I /) fCQ;IlO!lJl,OWERS N^ME:__,_:_E4~ !,'r/i,))k ~ M014''';' '-(()c-k Pc! e tJ 1~/."'1t. 11;"--/7Z c; / CITY, STAT!: ZlI': Nll'\tl!! ,A.~Pllo.llss:_., COUl-flY: ClUJ. b.z.~ 4"... tol " 1;-Yl'E OF sn"'RCH I\EQUE$TEl)~: ,~"'SIC:__.._ST^ND"'lUl: , . COMMlTM~N! SE$DED YES NO IF YES, D....re NEEDED BY, 1..0M' ,\;\-:O~T I ") . -: Dub IS nm A l'lRST OR S'ECOND MORTGAGE .. , IS !Xl'll.!SS OO~O A T....X SfAkCH: ~ ,N~~OOb IllPO~T: , c R-it."\(,(.,,c~\,' X I'URCH....S.. MONEY, .;<'1' ., " )( EXPRESS, OELtJX!: l'ii: l.lfE 01' LOAN fLOOD: '" Jers.y Ar., 41:> Rou~ 10 Em, SU:le $07,\ C~crr)' tIt:!, 1\') OSO~ PH (609) )$4.8588 FAX: (609) J54-8511 .' (,jH.-28.-ga \.C> "" .', ,~ "80 Ip"'111 : P.llt 1;:1:39 C ~~. e!I,..\I..... , f'~f(!eS.S IIlJu$6 PREMIER ABSTRACTS UNLU...iITED, INC, . ~1,'11IueV.llt)'AvtnlM' Htr.IGuts. pA 17112. : ~ ' p", N.""'.... (111) 2340119. or (717) 'f~l63 . . Phil'" W\tIn6~T (11n.~lS60:. . $p,~.llzlx,./~/~.~ Aeeur.tc,.t4-holW ~n!"rollhd tln111 . ..,.,."., AS.h!Js...c:,.... .,....." ,.... :' ~ rhO Neu::v. iT s./i,/" '/<0'1 '....4.. .5~'" mcu,IT "o;!K. K ., f Avit/l,,v '1..1;, !>t/.$ A(;"""r~'1?D.,,i/t;t:JVIl.,.l 5: ..,.. '!..,/Il....~~I..O~~.. S tI. ')I '.4. p; /(..c! D11.'......" IhLfl;l.,.f 1- ",u.oI"'_ .&oaf'J/C. ,,41/,5 5lS - A~P t.,93'OJsD' . 13u50 f ..,00" Chi,; shlt~ . 5/';/P~ . /C.' If.A :!fr Y ELfA/<fxL j'. I ('797- ",S,O<t1 .&7 ~Iho~ I 4u_O'1"-05I:>f-03' . hltolol"'" : 1'1t.1t;~'R"""" >/- /1"#.0<< ,'/ (f1ft..l..$ ,.f".~ v..,. JI7 ;ivY' h\"~1 ~i..7". ",; ". 14M /iJ 0,,/0-0 o 4"'- ..' lo/-P7 - .1 (~r ~, ........".1 . j> J!" . I 't ~. p.~.'Q G. J........! ~At ~ ',),. j' f"'" t/H# ,11-)" n -?IJf. .,. ""'~ISft" c:;;'~., /ul.~f0 t.+,-L- y/l1j9F f 575 tld.' . ....Iu.... I'.go' J\ldgllt~'r'ltl'f\d F8dtratTIUfl,.llf\,:- 0 tiSl Q-'i:. --- ~, I.w< f<I'f ftt-"'~ !J~k ~ ._----------- /W~90- . f',.. ' -I. .$'/~/7? ..------~ *------ 11-25-9B 13;38 '~O~IVEO rAOM:Y!~Y~GRI45 P,87 ?J "") -1 I .,.: -._.. -.____h___..n__ _,,_.... _U ---....____U_..n.n. .1 "! j :,., "' ,9--- \--1f~E. . PREMIER ABSTRACTS UNLIMITIlD, INC, 6161BlueVaU.yAvl!l\\lt. HarrbbUr"p^.17111. ~'., Pu: Numb.n (711) 134-81118 ar(7) 54!1-6163 Phone(711) 545-lS6Q .'. , . Sp~d.lfzl"g irs lut. 4cc~mltt', 24-h"Uf tuTHm.md t1m:-' . . S;~';:,,..~""D, f(l~tf 'J :" , Cl..,;tll._ GitMo!'S.S, ft._II,d..n , , JIId,,_I,*.~O~I'h.Ualo' lh- ~. ~.3;3 ,o-:Jff-=q E'~:i/Q,/,?"I (!.bI'l{>lAl,,, . -P}fIVffJEl . l'.Dt(",3"A--res, 1YI.<tK.j MA, 1:1'15, e~kUT ST.) , V:o, s'rEVCN (t. FA/wI: !tAI{J i!.'1H77/1/l LF/l-Iu:>~,5~"S r=R.= I<'. '"-RJ). I New VII.LE, fI4 - ~ 7ft:'1JUt!E(J TO :3l.L""" " l. ".!5C,CCO, NO~ Ptl-"l"FO q-'s-q -S 77SIV - rv x .~ . '~'1>..JA. ;'1~fZ.cc>' .jaJd'1"1 l'.o",PlAIJrr -"1")- 33'1 : ' ...., .:---ti v-" CbI!-es'rA""'~ l3II"'io<.,,uA 13~:s ur S'7:, fflJ(.,4-0.'rlTl ~ V~ e.TEVtO!i It, >'AII,O,} /1"0 'J;!,fJ.'r-I'/JI1- (" Hf/~, s.as, " "RDaJl. "RD.) J.lEM:>VILW:,-, Prt - ~~<l'D'7.0.-:S.'-<~~, '1~' /'fDiYl' s.~ 01'-' Non, OIl-:n'O '_ -"Is~;;e-.,.,.." i::~: t/6JI/"I7 t!c>AlP~ 0.'= ;n,lU, $. ~~/. ,,' 'C,ri-eeSTAn.:!. (!;,/I,l/K., Alt\, 1~'I:s e,tt-eSTWUt", 5:7: 'HII...AIJEl/'If tJ~~ . \IS s'rFVe>l A. PAILO.(..AoliP t!yAI'rtiIA, l.. (:''+1(01<, ss.Sl'"r-. C"'l: l! l/tL~/11'J- sea: ~- ' :1 /;cAi..,-o?.etJ: '/ [;JJj9? <'a<< ~ IOAI ~ ~Af. _ JIl o.7._S,"",,' ., ,. '. t!.olt"e!!"7/f'rr;:J ~-'/"" ~A-;/.ff;5 .......e:,-)-%J4r- SJ': ,P~, I-JD e. VS _'-n-YDI/I. P--I-IU>-<' #.014> aY.<''rWtf k, ~..I".L>~ S5/';S,nr. t,l;tl< i 'Hex! ~ ~ t)" A/&=W/A'U-<!!/l/4 - :!!a: e<:>ry- . fl<</" , I ,~i;IIL ,ftSLt.Af€ or J.P6...".v-i- (.'!-. "'t, c4,.t~te;J' "".I-'. s""~'" J., e-s&. f) Foil You,? IkPD.e.t?~'r701V' '.': . ~ e~ :' .5/,/9'7 '-Dt1Ji:tAIl.Ir-ADo: ~ :;?-OIe1i'.::I tJD,('ES7;?'ni.3 ~A/'" M. ):J~", ,j A'drAo>"r- .37: ""'I<- 1/ :Y7-eVDlI/-, j:A/~' JAlCJ ('.yAt-NrU- c.:. PA.II.LJ~) . :5.B S Mr. ~J?L1'I. >>CWVn,4c,f#: _ S€lr <!Arv- ".ftID'"- m . , ' i . ,,~<!.CO '10 :.'t..;__.,'l;;\Jr- ' mD,eJ', &,<:., 0/'7 /"0<-, ,gv;Y , ~ c.~,~?' ~ t'V. 06~. \\,,,,,- l ~o. ~ . /O-:J2-1f<j7_J';' f... \t-o.. 5u Ocr' , "tx--<O(((). \ _J J I -~S.-9i1 13: '38 R~CEIVED YRO~:71719~814S P .f~3 i ~ ! , '"-~- ,,,'/' ~, '\ AI\ --' ) ,---p (' .r- " l\ ; ,,)H t~l\ PREMIER ABSTRACTS UNLIMITED, INC , ~.I,/ . ". 6161 Blue Valley Avenue " Harrisburg, PA 17112 ~,. / .' Pax Numbers (717)<i34-619.S or (717) 545-6163 __... / Phone (717) 545-1560 ~ ,_ ,_/ Speciali~lflg in fast, lle~ufate, 24-hour turnaround timel r';'I;;' ",m. s.",'5" A!:t:,.. ""'. ,..-y', 1/-( ~A Ie 7i):?, ~ L~_~/WES-<; v/ ,,,LA--< 1Ic..~' e~::~-' . t ~ . c."r 00" .. /1?3 -? 9 : 0,(.1/..10. OO-DH r--D~ s'tt?/e:N '4- t2.y IlritlA F,41L.D!) f : ~e'D', '6.1/1/08: ~g_<<7L{~ D~. ::S.A.O{rlr7EJ...Cr .' t I\:::;G) '3,.:50 L if!> s V\'\ li/i FofVD, I J.J<!...) p't:L 'f- ~ ~^~ A-t!t..l::-:I '',is, L E'IYlDV'uE1&- 1/.3 ..!>~c f-::JI-IL..O((.. , 1\' 585 <(flDLHfT'krY:! {(, 'l?D. 1JEf.-,0 VILl..c - 513l.: evIY- V f?;,(.tTc-e.c-o loj5JS/,98 (i=c'l?- .Y08:S ~I\P 3U 06;-. \2J 'fec-7, S2'd. .09 Ftf?S" D tVIOt-.\ NAIL. M 111( vS. S'TfYCN 11. PAILuiL "'t- eYN'TIfI/T L FftILDf{.. 6) , -See t!.D0/ - ,.r- i) (';{(\c7Ep ~ ID~~r(ffg"-'1F-CJI-3.i3)'::>'Hf. :Tv (Y:5-" .11 .::>'1) 8';':=',5 1 FI^,~ I U }.lIoN XV1IL. MAlK- vs. s'r-EVcAlA- FA/LOre 0t- () y...<.t'rH 1ft l, Ffl-ILOt'C ~ - 3t:'""E ~')rl - ~ Ef.-iiEU1Y ID/;;>t.;jcrVCf7-3~:11l0 :::Rtcd-, ~ II d l.:s'7~ ' Co 'f F \ L SoT c; III ON Xi I!-IL r'Yhll JL !/ S s'rEV L7.1 It r:-A II..O~ "'t ~ y;(ITH- IA L {::;t-/1.LJfZ. - Sc-c e.vPj - Y/7SY C-/ , c.."....o....<...."orrtonll)-I.aal~_ S""",l.bo..tlT';JLiocf"..rRr(,rd;"el);)t~ OPEN-END lVIORTGAGE ~pph<,..~o..~,', 'No'WNl"l This MongaSC: securcs future ~d"~"ces I. 0),,"1'[:: AND P,\Rl"IES. The dale (I( d.is I>lorlgace (Se..:ur;ty Insuulw:nl) is. Novembe~.. t!, 1998 ...... 'If,..! the p~nks. their atl,J'6'cS IIn<l (:I'" iiJcndl'katiollllulIlhc;rs. i[ fC'lUlled. are ~s fulluw~: MORTGAGOR: Steven A Failor and Cynt.hia L E'ai lor HUSBl\ND AND WIFE, AS TENANTS BY THE ENTIRETIES o If l:heclced, rder 10 lI.e .llll.llcl.Jcd Ad<.kndum inc:o'i'Orah~:d herein, for adtlhio"..l MonS'~cors. their SiJ:JI.lIlurCS amI <IcknowlctlC1tlC111S. LENDER: . Green Tree ConsumeL. Discount. Company 3401 Hart~dale Drive Suit.e 118 Camp Hill. pennsylvani" liOl1 2. CONVEYANCE. Fur good llnJ valuable c:onshle,.lIion. the rccclpl amI suffici<!Oncy uf which is ackllO""I~~~<!OtI. "Tl<.l 10 $<!Ocure the Secufctl Debt (t1din...d lxlow) IUlt! Monga,or'$ performa,lce unde, this Security Inslnll1lCnt. lwl{lrlga~ I:laDts. bugains. con...eySUd DlOn!:~!:es 10 Lender the following described prop<!Otty: c::; >;, .:' . t..., ,.. See exhibit A C":) OJ -0 ~ '" c ill':: pwpcny i~ foclled in cumberland ~ cr> '.', .... ........... r(';",,_'.' ..................;11 (...~oI,...' .........("C;;11 .... Pennsylva.lia .~?~.~.~..... lZIP('<><lel TlIl!edlct wi<h ;oJ1 ,i!;hts. easemenls. appunCl1lmces. roy.lIlle$. miu...ral fiSlllS. oil ~1l<.J SOlS nghls. all waler and ripilriJ.ll riglllS. dicch...s. and .....,ler slock <1nd all Cll.i51iDI; and futurc improvemems. suuclures. fixlurcs. <lnd Icplacemeols lhat llIay IIOW. Ot III MI)' lime ill die funl((. be p:m of ule rCII (Slale: dc:scribcd above (all referrc:d 10 as 'Propeny~). J. ~lAXIMU.\1 OBLlf'dJ~9>"l>b'[]\Jl( The tOlal principal.MlI.DU."-t ~ccored by lhis S<<urity l~uwne~1 'II anyone time shllll nol "~("nl Si ............................:....................... . TIus ItmllilUO.. of amount docs nOI Inc:lude Interest and OUlcr fces :and (ha(~~. validly m~Je pursuJ'" 10 dtis Securily Ins/rumen&. AJso. ,his lin,ilation dOCJ not apply 10 IdllilncCS ITJllde: um.ler lIle l~nlo> of il.l'; $(curi,y InslnJmo::nl to ploleel under's ~ecutilY 41011 fO p<'tfunll any of Ihe eovewots conuined in Ihis Security llC.'lIl1l1(Ul. J. SEClmED Dun A:-..IfJ fUTURE ADVANCES. TIIl~ lenOl 'Sc~ureJ Dd,,' is IIdintd as f"lIow~; A Debc incuned undH cr.e temlS of 311 prollli~>o<)' nOlCes}. cOlllracl(s). l'UilUtlly(S) 01 other evidence of di::bt dcscrilxd below 3nd al! ll.cir ~;::lensil,lll5. reoewlIls. modi(ic.uion~ or substilutions. (11-'7/011\ rqolr",<';n8 ,J,~ debd be/I).J it (r SI.J.sge,'(ed IIulI yuu includl! i!tlll.! sl,ch /u bO"Ol\'erJ' nOIl/t!J. nOle 01110/'''(1, ill/ertsr rOleS. maturity rft1It.~. etc.) tlote do!lted t1oven'ber 27. 1998. botwe.;!n Gr~en Tree COflsum<!r Dis<;:,ount COmpll.fly and 5U>vo!n A Failor. Cyn<:hla L F..ilQt'. lac: ~:;:OQ.OOO.oo. nuu::,H.t,.,g O...;:embor J. 202J HNIlHLV..J1......0F\TO...Ul <UOTFO"''''.I.....,MG.f...O''......,su ::.n.e..,,,..!.,,,.., '''' Re'.......M.' (I.ICo-lfl'l)<l/ '.'...~lMTl1H '111'."')t fen. ID =tll1'~ "u<1502"G( ;/322 <;::/1-1" /P"jf I <JIB) .D.L ..,:,_/T'.....,. .1" ., . . I '; . . . . ;)': ''''.' --1.; ;,.fl//J): . ,v ~. ',' .....1 B. ^lIl1.nur~ :uJv"oces from LeOllu 10 "llJfl!>~J;'or or olher (Ulule ohlilf;llions of MOrll:agor 10 lender under .111)' promissory Met, COntrae!. CUlIlllnCy. or olhet evidence or debl Uet;uled by Mon!:asor in r..vor of Lender cxeCUfcd .1f1er this SeCUrilY Inslnuncnl whether or nOI thb Security InslnJt111~nl is: specifically rdcrenccrJ. II mote than one peuon sitns this Security Instrument, nch MOfcgagor agrees th,U tllis S~urily '''S!fumen! will SeCUf(l all "l!UIC .dvances and (Ulurc: oblil:Blion$ thin Me given 10 or hu;urretl by "flY one or l'oIor", M(lrts:~sor. or anyone or ffll;lR: Mongl.or Jlnd olhers. All furore: i,lva"c~" .:In<.l orh".. future oblillalio"~ are ''''Cul'('d b,. Ihis Security hl$lrulllCnt cv.m thuugh .ill or pin mDY 1>01 rei be ~(Ivallced. All (UIlII'e ItlV4InCC$ Illd nther (...Iule obli!:;lcions arc $ccuual as irm~lI.., on (he: dale of Ihis Secur/IY InSfrU'\lenl. t1arhing in this S~cucilY IllSUumenl shllll constilute: /I COllll1liUI1Cl,1 10 nuke ~dlli(iollill Of hllu,e loaro; or adl/illltes if' ~lIY amOunt. Any sudl CanUllltlllCm muSI be IIgrced 10 ill a Kp.,rJIC WTiling. C. All vlIliJ.:ations M'Orlgagor owes 10 Lender. 1.I.'hich may bier arise, 10 die euem noe prohlbiled by 1;lw. IncludlQI. bUll'lOl limile<.J IV, I/abililih for l.>verdrllfll rdlllini: 10 4iny Oeposil accoulII alolreell1elll hel....ec:n Monl:ilgor uoiJ Lender. D. All ~,ldjl;o",,1 sunlS advlnce" and Cll;rcn~cs incurred by Lendcr for iMurin~. pre~",ing or Othcrv.;le pro'ecfing lhe Prop~ny anti ils \'~luc :tnd any olher SUlns adv~nced ~nd e,lpenses ineuned by Lendu under u.e lernlS of !his SeeurilY [''>Irumenl. 11\is Sccurlll' [nstrum:m wit] "IOC secure any orher debl if Lender f;li/s 10 give Jny re-quired nodce OrtJle rll1h(of rescinion. 5. PA \lolr:NT$. /o.!orls:t$or atlrees Ihat .lilt p4iyments under Ihe Secured Debr will be paid when due and in accordance wilh Ihe ICllllsallh-;scct:!CU Dd.t and chis Security Il1slrumenl. (, \\'AltR.I...'I'fY OF TIT I.E. MOfli:lI!:or wauams 1/1.11 Murtl:OIgor is or will be lawfully seired of Ihe eStue eooycyed by this Sc~u,ily InS'tl\lnlcnI and h3S Ihc righllo gunl. bu,a;o. convey, sell. and mongalle Ihe Prop~f1y. Mongag,)r aho warrants Ihar die Properl;';~ ur.~ncumberetl. euepl fllr e,\cull\bra"..:~s ofrecor<.J. 7. I'IUOR SECURITY tNTERESTS. \Vilh ro:gard to any oll,,,r UlO"S'lIgc. deed of (I'IISI. seevllcy asree'menl or olher lien I.lO"llIlCll( Ihal ere.,ted.1 prior ~<<uri1y Inlcre5t Of cncumbrance on me Property. Monragor agrees; A. To nl;lkc JIll paym<:ms .....hen due Jlnd 10 perfonn or tomply with .Ill covenants. B. To pr0l11plly ddiv~r 10 LentJer lilY nOlites Ihat Mortya!l'or receives {rOOllhe holder. C. NOI ((l 11lIow an)' nlodification or cllerlSion of, nor fl,) requeslllny future advll1lce:s undcr any nOle or acn:C:-lIIcht se-cured by Ih.. lien dOCUlOet'l1 wilhoulltnder's prior wnllcn COIUCI1t. ,If. CLAIMS AGArNST TITLE. MortGagor will pay.lI tiles. Assessments. licns. ctll;;umbl.1l1cu. luse paym:Dls. ground relllS. llIilities, anLl allt<:rchargcs relaling 10 (he Pro~rty ......hen due. letldet mol)' requite MOrtSllgor 10 provide 10 Lenllcr copies or all IlQtices lhal such a.mOU1llS arc duOil I.l1d lit: receipts evillencinll Monsasor'~ p~Yfllenc. Mortsagor will defend tille 10 the Propeny ...~~iJUI ...ny claims lh"l would impair me lien of this SeeurilY Insf1WU~nl. MOllgagor agrees 10 assigo 10 l.ender, a~ rt'luc~lcd Py Lendn. any ril;hts. claims or lle{etl.Scs MOllgagor mllY hllvc acainsr panies who supply I~bor or Dlalerials 10 l1l:tilll;l;nll! improve tlte Properly. 9. D(JE ON SAl.E OR ENCUJl-mRANCE. Lcodcr m:ty, II its opdon. de..:l;ue lhe enli te b41lance of the Secured Deb! 10 be inuTl~dial,ly lIuc and payable upon the efcarlon or, or conlract for file cre4ifion or, al\Y lien, enculJlbu.oce. lram{er or $ale oC the Prt:>p:rty. This fisht i~ subjecI 10 thc tcsllietions imposed by feder;al law (12 C.F.R. 591), as applicable. ihis covcun( Shall run wil/lllle f>lllpcrly and ~IMIl rCl11l1in in efrecl untillhc Sc_urcd Debl is paid in full and this seeunly In:urunlclll is Icle~sell. 10. PROPERTY CONDITION. ALTERATIONS AND lNSPECTTON. ~[on',!:tyof will keep the Property in good condilion and I1Mk::: all rep..irs lhdl ale rea~tlrl4bly n..cessuy. MOflsasor shall nOl conUBiI or allow arty wa~le. impailTIle:nt. 1)[ dereriotalioll of tllc I'ropeuy.. ~{on;:agor v.-ill keep the Propeny free of nOll;iou~ weeds kJld gT.~seS. M<lr1!i'.,gor Isrecs Chal the 1l.1IUrl!: of Ihe ('>ccuplIlley anll use will nor subslamiafly change WithOUI Lenllcr'~ "riOT wriuen cOrlSellC. Mong.sor will not pCITll.h any ch~nl1e ill any liccn,c. reslricdvc covellillll or ea~em<:fU \vilhour Lenller's prior wrillell con:;ent. MOrls~sor willnolify Lender or:tll d~m;'J1l.h, rfl.l1,;c;:,u;n;;s. claillls Jnd aniun.. JgJin:;1 1\.I0llga;:or. anLl of ally loss or 1I000001tjC' 10 Ih.... PIOptl1y. O:>,"....,....~.".m..'"<.".c.._....., 1','OO.n'."", '.''''.,....'r,... ''''9". 'oo<1502/ACE 1823 <:: IP~9f.:F/" ,-,1h ,- l~nd~r 01 Lend~I'S ~I;enlli II111Y, Ill~nl.le"li (IPliUlI, emer Ihe PrC>f'~rIY:.l1 :.Iny rC:.Ilio".blc: time for Ihe purpose of inspeedni: Ihe P('lpeny. Lender sl,.1I hive MonGagor nolin' .\1 the time: M M ~fore Mil inspeclion spc:cifyill!: If reasonable pUlllose for Ihe i"~l"'cclion. Any il1sp.::ecioll of tlte Properly sh.,JI be cntircly for Lenuer's bellef!1 ~ll(J Morl!:;lgor will in no way rely IllI tclldu'J;i'~l'eCliun. I'. ,\l}TIIORITY TO f'ERFOAAI. If MonJ::t&:or fails 10 perfofltl ~IlY uuty or any of Ihe CUVenA,lft cOIII:!;ned ill Ihill Sec.;urity I'C,IIO'"C"'. Lcndcl ",,,y. ",iU't1Ul nc>tice, I'erfonu or Cluse ,hem 10 be petfonnc<l. M\lClSISor Ilppoints Lendn as IIlorney In L,cc Iv "\:'\ MOrlC:.lI;or's 1I.l..llle or PilY any amount nel:essary for pc:rfom.;.nce, lender's rich. to perfonll for Morl!:III:Or shllll jl(11 .::rc..e ..n ohlh:aliol1 10 perro"", 'aml Lender's f.UuTc to perfon" ...ill nOl pre..lude Lender froOl curdsin&: any of Lender's uther Iiehli under Ihe Ia,W Of this SeeurilY Instrumcnl, If any COI\~U\lclion on lhe Propef1y ili t1isconlilluw or nol urrie::d on in a re~sol\~hte Illanner, l.cnder may bke all sleps oec:e~sary 10 proteet lender's sec\lcity interesf in the Propcny, includinJ; l:lIl11l,leliull (lIthe cOtl~lru<:liou. 12, ASSIGNMENT OF J~EASES AND RENTS, Mongillor irrevocably grants, barsains, conve~ IInd 1Il0nr:i1r:es Ie. Lender as addili,)u;!1 St'<:urity all the riJ:IU, lille and inlereSI in and 10 any Ind ,II C:llislini,: DC Nruee !.:ases, sublease~" and any Olher wriuen or vell,.1 ~i:'e~r"~"'~ ror Ihe USI:. and occupancy of any ponion or the Property, inClUding any e;oo;teusiom., renewals, nl.....tif;{ICioru; or subslirotlons. or such ar:rcenle:~s (aU refene<J to as "Leues" ~lld renls, Issues lInd pronl~ (aU tefc:rrc:t1 to II "ltenrC). t.hlllcacor wilt pfomprly provide Lemler with lrue IIn<.l correel copies of 1111 nisling and furore Leases. Mongagor Illay eollecl, receive, enjoy and use Ihe Rents so [onb a, MonSllljor is nut in default under llle temlS ot this Sc:c.urily IUSrnl1llcllt. "'lufCl:~l:or acrees 1I'''llhis a~sjenl\lelll is immedialely effective bel ween lhe- panics 10 this Se-curily III.n....."le"l and !;fretti"e liS IU d,;r.! paTli~5 olllue recOfuing of dlis SecurilY hutrumelll. anu Ihili IIn;I:""'lel1t will relll~in cfh:..:rive undllhe Oblical;ol\S are sa'lsfi..d. Monl:allOr iJ;re:e:s th'l Lender is c:nlidc:d 10 noliry Mongallor or Mon~~cor's ren.a."s 10 'l1al<e p..yments of Renls due or 10 I.>ecoflle due: dire'lly 10 Lendc:r dler sucb recordinl:. however Lender ailfees nOI 10 notify Mor1llaSOr's te:l1llnlS ulllil MOltgasor defaults and lcnder nolifies l\.h')r"f!:.,or olllle defaull and demands Ilia I Morlj;J!:or alld Mongitgor"s lC'lUIrlS pity all RenlS due or 10 become duo:: dire1:t1y 10 Lender, On receiving notice or defaull, MOflS'.1g0f will c:ndorse: ilnd deliver 10 Lender any p.Ylllcnt of Rents in Mortgllgor's possession anti will le,ei~'e Illy Rc:nIS ill IfUSI fiJr Lender and will nOI e:ollulIinl:1c the ReOlS with any olher funds. Any .1mounu colleeled will be applied u provided illdlis Sc:cul;iIY Inslrumenl. Morll."agor warullU .hat no def~ult existll undcr we Leases or Iny applicable lal1ultlfllflertam lilW. Morl;:a;or also agrees to Illainll<in 0II'1t1 require allY ten~nc 10 coml,ly with the cenns of the Le.l.~es ami applicable 131.1'. U. LEASEUOLDS; CONtJOMlNrtJMS: PLANNED UNIT DEVELorl\-LENTS, Mons:!gor IIgrees 10 comply willi thl! JllovisivllS of any Ic~sc if tl,is Se\;urlty Inst......nenr is on a leuehold, If d,e Propc:ny inclodes a unit in il eundominium or a Jlt~nnetlu,lir dev/:lop"lenl. MOrfli'agor will pertoml all ot MOfll>~gor'5 dulies under the COVenantS, by.laws, or tc:gl,la,ioll.$ ot the tondoruiruul1l Of pt~nncd unit development. l-l. DEFAULT. Monsasor will ~ in ..rer"ult if allY pany oblil:alc..r on tho= S<=cured Debt rails 10 make paymenl ",..hcn due. MOrlil.aJ:.)r will bl! in ddaoh ir a brea,h O\:eurs under t.he tenns or thb SecurilY Ins!rumenl or any OIlier doeUllle::OI exceuleu for Ihe purpose or crealin!:. securing or ..:uaranlyin): the Seeured D~bl. A 800<.1 f~id. belief by Lender U'II LemJe::r at &.IIY lillle:: is i'\Secure wilh respecf 10 any person or enlity oblillaleu olllhe Secured Debt Of thilt the prulipeCl of ,my pa)'ment Or till: value or the Profltny is il\'paired shall ~Iso COllSlilUle an evenl of default, 13. 1lE:~IEDIE:5 ON DEFAULT. In sonie ittslal1Ces, f~deul and Slate law willle'luire I.A:nd~r to prDvidc Mortgagor wilh llotiCe Qr lhe fishl 10 cure or oUll::r notices .nd nlay esu.blish linl~ schedule-ll ror rortclO~Ufe actions. Subjecr to lhese lill.li'"tion:s. it any. Lemler l1l:ty a~celc:r:lIe che Secured Debl arid fored,lSc this Steurity hmnJllltl1r in a 111"r\r\er pr(lvided hy la~" if MonSIIJ;l;I( is in dc:fa..11 AI the llption of Lender, .!oIl or Iny ".!on or thtllll:re<:t.l rtes and chuIles, accrued jnlerc~l anu prjnt:ipal sh'lll becorue Imuledi..ttly due all<lll:tyahle. afla givin;; nollee ir required by IIIW, upon the IXcurren<.;e of a derault or <lnfti",e tIlr:reaflet, In ;tddilion, Lendel shall ve enli,!<;tI 10 all the fumdie~ provid.:d by law, tile: temlS "f !.lIC Securcd Dc'bt, !.l,is Stl:lInty InStnullenl and allY related UO<:Ul1leilCs. All rell1<::rJic5 lilt rJiSlillel, CUIllUIAtive and not uclusive, andlhe Lender is entit.led 10 all remedies ptovideu "I IJw or ellllil)', whecher or noc eJCpressly set fortll, Tllc accel'l;tl1Ce hy Ltnder of any Slim in payment or p:mial pll~'lI1enl on lltc S~'l.Ifcd Ddu after lhe bal:mce ii due or b acccler~ted ot i1fter forcdvsllre pnxec:dillSs are filed shalllll'f l:onstifulc a wltivu of lelltlc'f's ri:,<hc i{I rc:quire complcte CUfe of any cllisdnc dc:rilull. By !lilt e~trci)io!: any rcmcuy on MOf!C'lIgor's Iid_ult, Lc'"Jc' tlu"~ IMr \\I;dve LenJa's riShl to l;1t~r cu~;..r(r th.: "vent u default if it tonciuue~ or happellS ~!:~in. C 1"~ll.J..f&J -,-A.f: ~ ~ '''' ."'<" s,,,...,. ,.,.. 0,. c'..... "" ",'oO-""~"" ..,...~(....."h '1".,.. BOOK1502PA" .824 . . . ;1 \lill'.' ' 3~ c~'l :I' ll' 16. E;\'PENSES; .6..DVANCES ON COVENANTS; ATTORNEYS' Fl:ES; COLLECTION COSTS. E~cepl wilen prohibiled by I~w. MOfll::~;:or i1grces ItJ p~y ,tll of Lemler's upcnscs if Morlgl"or brCllehes lilY eovenlnl in this Sccurily /ru;ltufllent. Morc:';;I:;,or will ;!.ho pay on dtnl:!nu "-IlY ""I{IUm ilK"Urre1.l by !-.enuer (or insuring. inspecting. pre~l'Ying or olhtrwise prolectin:: Ihe Propeuy ami Lender's ~tculilY imereu. Thc~e upellSeS will bear Intete):l rtonl the d~le of die p~ynleltl until paid in full ;1.1 lhc h;~he~1 in!etc~'1 ure ill efreCllI'ii provilled in the lemu; of tlle S<<urcll 01:1'>1. MurtS"-80r ;l8cees 10 p~y..11 cosu ..nd erpenses inC\J(fcll by Lemkc in Colleclins. cnfl,"ll't;ing or prOlec",..: Lenller's lighll ;lml temedies under Ihis Se(lIrity InslnmtelM. Tt.i. alUOUnt 1I\:IY include. bUI i,. nOI Ihllileu 10. auortteYJi' feu. coun C.:lSIS. and olher leSl1 e"pensel. This SecurilY InSllumelll shall rcmitin in effe~l until r;le;I~;d. MOrl,l;<lcor lIglee~ 10 PilY (or an)" ,ccon.l.uion eous uf such ,dellSe. 11. EN....IRON1v.l'l::NTAL LAWS AND IIAZAROOUS SUIISTANCES. A~ used in lhi,;: ~e~l;o". (I) Envirl>nmenl..1 Law llltM". wiLhoutlimi!;lliof1. the Compr;heru;ive En...irorUII~nlil Resporu;;. Compensiuion ind l-iability ACI (CERCLA. 42 U.S.C. 9601 <I SC"l.), .and all ol:ler fede"l. Stilte 111'''.1 l~itl I.w$. l'O:(lul;lIions. ordil\llnces. <oun Dlders. AUorncy ,ener.al opinions or irllcrpreli...c Icllcr~ cancer<li<lS the public he<lllh. ufelY. welfare. environment or .a hazardous substance; and (2) Haunlou" Sul)Slan~e DleaM any 10xic, radloaelive'or h;JZ:I((,1ous; maled"l. waslit. pollulant or eonumirUlnt which hu chuacteriuic, which rel1du l.Ile substance dangerous or potcrui~lIy dangerous 10 the public health. $;1(C:ly. welfuc or enVironmerlC. The leml includcs. wilho~1 Jintilarion. any SUb~laTlCeS defined as .hazlllduu~ mlll<::rilll. - "I()Aic $ubStllnce5.. "huardous wasle' or -h:u.:w.lous subSlance' unller any Environlllenlal Liw. ~".)(lS"SlJrrepresC'nts. w..rrallCSilndaSretS lh..t: .' . A. Except as previoudy di5c1osed aad 3;lmawlcdgcd in writin,!: 10 L~ndrr, 110 Hazardous Sub~laoce is or will be. lucl'ed. storetJ or rele3Sed 00 or in the Propeny. This reslriction does nOI apply 10 small quanlities oC H.u.an..lollS Substances 1I1al ne ,l"l;n;ully re~Ol1nilro to be ~f'prcr,;,ue (or the ol\m...,1 use "nd m"iUlell.llnCe of tJ,e Propert)'. B. E:<c~pt Irs previou)!y o.I;)dus<::d <U1d "d:nowlcds~d in wril;oS 10 Lender. M<lntagol' and every lenatlt b~ve bcen. are. and ~h:rll ren';,;n in ~lJ corupliln~e Wilh any applklble EnvirunnlCnt:il UW. c. MonS",!:or shall inLmed;"lcly noli(y Lellder ir a rele:a:k: or dlre:arcned releJse or a Huudou5 Sub,na.nce occurs 00. under or aboul Ihe Propeny or Ihere is .a viuladon of any EnvirolUllenlal Law t:otICemii;l~ the PropCrly. In such an eV;nl, Monga!lor sli;lll rake all nccessary remedial :aclion ill aceOftl3nce with any Ellvifonmenlal Law. D. MonS:.I!jor sh~lI imnledialely notify Lender in wrilillC as soon as MorlJ;'agor hilS reason to bt-lieve dlere is any pending Ot l.hlealencd invcsligf.lion. clilim. or prO(eed;ng I't:laliflg 10 the release or thleatened rClei5C o(any H;u.udo~ Substance or t.he violalion o( Vly Environmenlal Law. 18. CONDEMN,\ TION. MonSIIJ;(l' will give ~nder prl'ln\pr nOlice or ~ny pendil1J: or threaleued action, by privale or public emilie1 ro purchase or we ~n)' or all of the Propeny Ihrou!:h condcmnation. elllinent domain. or Iny Olher m~O$. Man,a.or lIuthorizes Lender to inlCl'venc in MOnl:ICOr'5 name in any or the Ibove d~IHibed .CtiON or cl-.ims. MOI'1sagor ani;ru 10 Lender thc proce~ds of an)' aWII.Td or clllim for dlllluses C01\nefled witll a eondemfU.lion or other taJdng o[ all or laY part of lhe PlOperry. Such proceetJs shall be considered p.3yments an\.! will be ~pplicd as ploviuN in this So:curilY Inslnuucnt. This assignmenr of pro~eeds is suhjeu If) the lenns of any prior mon!;'agc. de;d uflruSI. security al!reemelll or olber lien docuntenl. 19. INSURANCE. /l,for1gaso( sh.1I keep.Pmpeny inJiured al1ainsllo~.. by fire, flood. Ihcn 1.111 oiller hautos and lisks reasoNbly auocialcd wilh the Propeny tJuc 10 ili Iype and locadon. This insurlUlc; sh.lI be Ill~jntained in dlc amounrs anll for lba perlolls Itl;!.r Lel1ll~1 lequires. 11lC insurance ("ani;r providing Ihl: in:;ulance ~h.1I be cbosen by M<)nlla~or subjcCllo l.ender's approval. which shltll nOI be unreHolUbly wilhhelll. .If Mont:ago( fails 10 ffiltilllain lhe coverNSe describcd above. Lender may. iH Lcnder.s opliun, ohlain ~oveu!:e 10 proleCl Lender"s rigllls in .he Propeny 3cCOHlinij 1.0 !.he lcrms of Ihis Se(urilY Ins!lumtnl. . All insurance pt'licles and renewals Sh:lll be ac~eplable 10 Lender and Sh311 includ; a sr;mda.nl "mon!ilse ,;Iallsea and. wher,=, applicable:. 'lus~ payee cl;luse." Monlla1:or .hall illlnlelli':llcly noliry Lender of eancelhllion or tenl1inalioll of the il!Surltll.:e" Lender shall have I1le riJ:hr IU hold Ihe policies and rencw;!.ls. If Lender rClluires. Mon:l.":il."or shltll inu\ledialel)' .!live 10 LelK.lc( all receipls of paid prenliul1l~ and tenew:II notices. Upon IIl$$, Morlgacor shall give illU1lediltl<:: nolice 10 Ihc inSur.:tno;e CllriCt 011\11 Lender. Lcnda may m3ke proof of loss if nOlmadc inlll1cdi;ucly by ,,"'/ortS:.i!jor. ,>,... ..".... ,.".-. '..,..... '''_..~'' u_."....,_"... '..-", ...~..A """.. BOod502 "GE .825 r' 4 "'-'''.9' 4,,11;1 2:::5 -LLf..:. Unless olherwis~ aj,:leed ill wrilint:. .n in~\lun<;:e I'for.:ecals ~h.1I be apr1lc:u 10 the rt::sloralioll or Hpair of Ihe PIOptfty or 10 Ihe 5o:r.:\I'~'" {le!:>l. whether or nOf <hen <loe, ;&1 Lenller's option. Any applic:Ofjon of procec<.ls fO pfinciral ~hall "''' ulclld m pO,>I!,,,'''''' tl,,= UIIC dale of Ihe scheduled (laymen! 1I0r change the amount of ;lAY ('IaY'I,,::nl. A"y e.ces~ will bt paill 10 the MOflll~llor. If tI,e Proreny is -acquired by Leot.ler, Moni:agor's riS:hl 10 any insuunce policies ;t.nd (lrocecd~ res...hin~ from dama!,;e 10 ttu: Propcily bdor<: tile acquisition sh..ll P;&SS 10 lender to the el(lelll of Ihe Sel."Urcl.l Debl jllullclliately before the OIe'luisilioll_ 20. ESCROW FOR "AXES AND iNSURANCE. U"lo:ss l'lherwi~e (If\>vil.l<'d In ;1 Sl:rara/1: .j;r<<:nlem, "IOtll;;I!:or will not he {etllliredlO I);IY to Lel'llkr funds fOf la,us ;ulcl insurance ill C$t;rt\w, 21, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mong~J:or will rnlVidt- to' Lender upon requesl. IllY rin.:tncial Slalemenl or infoffilation under mllY decm rcason.lbly neeessiU'Y. MOfl1;lI11Ot acree5 10 sijln. deliver. ...nd file allY additional d~ument3 Of eertificalions thaI Lendcr lIlay consider neC~SSllry 10 perfect. eonliu\.IC. ;\nU preserve Monca.\:or's obligations under this SeeurilY hutrumcht and l.en<Jcr's liell SUNS on tho: Prup(:flY, 22. JOINT AND lNDIVIDUAL LIABILlTYj CO.SIGNERSj SUCCESSORS AND ASSIGNS BOUND. All ducie:. under tJ1is Security InUOl"le"1 aro:joint ll.JJd i"divitlu.,I. If Mongalor SilinS Ihis S<<urity INlrvm<:nl bUI tloc.s not sigll an eviueF'\Ce of debt, MOftgli:Or does so only to monSlse MonS.Cor's interest j.. lhe Pro(lcny 10 S(:eure paymenl of dIe Secured Debt ud Monillor docs nOI 19fee (0 be: personally li.ble on Ihe Seeuted Debl. If this Security Insnumcnl S"Ufe~ 11 guaJ"3/l1Y between lender .-nd MOrle.-gor. MortSacor _lIlrees 10 waive ."y "SillS lI,al may p,eve"l ~n<le" fro", brirtginll' any al:lion or e1aim '-Sain.:ol Mongagor or lny pltrt)' indebted under Ille Obligation, TIlese riShlS nllY include. but If 0: 1'101 limiled to, lU1y lllli.deficiency or ollC-lIctiun laws, MongAgor ISrco:s dlat Lender allllllny pany 10 lhis Security I (\Strument miY elttcnu, modify ur make any change in the to:mls of this SecurifY IOSlf\lmenl or any evidence of debl widloul MonS-asor's cONicnt. Such II change will not n:h:;ue Mun!:agor from Ihe tenllS or this Secur!IY Inslrumetlt. TIle dulies 3nd henefilS of this Security Instrument shall bind Ind benefil dIe successors ind issi!:ns of Morle~c:or and Lender. 1J. APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Secu"ly InSnVlllent is governed by the 1.11I5 of lite jurisdiclion in whir.:h lender is loealed. el(cept 10 the Ulellt olherwise required by lh<:: laws of we jurisdiction where tbe Propeny is 10c~led. This Seeurily InSlr\lmenl is complete alld fully inlesrMled. This Seeurh7 Inslrumenl flllty nol be lilllendcd or n,wiri",tl toy 0.",1 Ml,:"''''ll1ell!. AllY sCCljOIl in tbis Securily Insuunienl, 1l1l:r.clullenls. 01 any .agreement related [I,) lhe St:Cured Dehl Ihil COllfliclS wilh applicable law will nOI be effeedve, unle~s tll~1 htw e~p(euly or iUlplkuly peffilils the varia/ions by wfilum 31'feellloluI. If ;lny ,e<:lioll of Ihis Set;urily lruln""cnl can..ot be enfOrced .ecordiug tI,) ilS lemlS, dial $Ct;liofl will be sevcu:d Jnu will nm ~ffec( the enforce-lIbility of lhe rell\;linder of this SeeulilY I"Strllmenl. Wb~ne\lllr usell. IlIe sillllul",r shall indude the plunl and the pluu.l d,c sin!:ul"r. TIle CJpl;OI\S and headin!:s of dll! scelions of lhis SecurilY ltunUUll:m are for ClJt","enle!1ce only and ire nOI to be Ilseu to inlcrprtt Or udinc lJle lemlS of dlis Security Inslmlll-enl. Time is of the essence in IhisSecurilylnsmlllu:nt. 24, NOTICE, Unlcss Udlerw;Se required by law. :my nOlicc shall be: .iveo by deliverin:: it or by Dlailing it by first clitSS Olllil \0 the ippropri~le pilrty's .t.hltess on pa;:e I of d,is Security InmullIenl, or 10 any other address dc;si!:Dateu in wricinv. NOlice tu "ne III(lrlll~llor will h.! deemed 10 be noelelllo all nwrlJ:allou. 2;;. WAIVERS. E~l;~pIIU lh~ e;Henll'tohib;IC<.! by litw. MUrI\l''':;-ot w..jv1!S any t;l.'lLlto "rl'lrai~olll'1!lll r..t..tillJ: lU lhc Prop.etly. l'... a_... .,...."O..A_... '..C"~.."''' ,'_loe.n'.I}", ..,...,.,,'....~ 'JIlI/I' ,ood502 PACE .$26 (t1"g.S"t6/ ~ 5,rE . e' . , . 26. OTIIER TERMS. If checked, dl': (ollowln.: are applicable (0 thIs Security In~lru",c:nl; o UriC: (If Credit. The: Secured Debl includes 11 rcvalvlnl: line of l;fCdh provision. AhhoUllh 't.e :kc:orc:l.l neb, nliY be: r.:ducctJ to,1, XCl'Q b.'a.ncc:. this SCl:urily InnrumclIl will rem.dn in effect unlil released. o C0l111ruc!ion Lonn. TIlis SetUnlY InslruTnc.n1 secureS" ,Ill obligillion ilKul'lcd (or the: COI\.\U\lClIOn elf an impravc::mc:nl on thcrro~n:)'. o Fixture: FtlirlC. Mongasor Cranls 10 Lendc:r a sccurhy inlerest In all roods th.u Monlflgor owns now or in I1Ie Nhltc: alld chu :m~ or will bC:C(lMC filtlUrCS rcl:ucd to Ihe Propc:rfy. TI,;s Securiry hUIn.um:nl suffices u a financillg Slllc:nlcnt :100 any cJrbon. phofOsr"pll;..; or olh<,r reproduction 111;1)' b" filed of reCOrd for purposes of Arlit:l!! 9 of dIe uniron'l Commc:n;ial Code:. D P""chl\$c Mon~,.. This Sccurily Inslrumcnl ucure5 advolt'ICt's t>y Lc"nder uscd in Whole or In pall 10 aC'llli,e d,c f'roptlny. Acco(din,I,.. d,;s SeCut;ly "IIII<<InlCOI. .nd the lien hClcunder. is Illd ~hllll be CUftSU\lcd as a purch.lU U1U""Y morlg,,:::e wilh all or tI'e ri,hU, prinrilies and be:llelil:i" Ihel"1:0f untlcr the: laws of Ole COlnl'llonwcahh of I>ennsylvani.. o NOTICE TO nORROWER: THIS DOCUMENT CONTAINS PROVISIONS FOR A. VARIABLE INTEREST RATE. o Riden. TIle covenanlS and 19'reeftlC'0Is of c.Jch of the riders checked ~Iow .arc incorpor,ucd iOlo .ntI supplement and amend lhe renus of this SecunlY l/\SlnulIen!. ICheck..lI applicable bousl o Condominiu", Rider 0 PI~nno:d Unit Devc:lopmenc Rider 0 Other .................................................. o Addillonal Terms. . SIGNA TURES: By siJ;nins below. MOr/sagor. imendint: 10 be letillly bound hereby, ague,. fO Ihe lemlS ,1Ild C;OvtMnlS eonl4iined in (jlls SecurilY ll15ll\lhlent Il1d in any alla<:lcmeOlS. MongaSor also .acknowledges receipt of ~ coPY of this Secllnly hUlnmlcnl On ""Jt:.:"..;c~.,j(:y,y ~b~r.\'....JI'~J,,98, (s'~n...~..l!teven ^ Fail (0"", hiu r.. Failor ID.',,) ..A\(iliidd/=:"'n'..',.. ' ?E.2.........., (\'<1;11\<.. ACKNOWLEDGMENT: Pl' a C w.-I ,-~, ~::.~:~~?tr~;~,:;;,~f.~~~;LZ.~:;~~~:Ji;,~~t!,:;~~,j:.ri~'.~:..::0":<?::'i:;:~~:'~:::: ... --.-................... ................................. ............ known 10 me (or ulis(aC:lorily proven) to be tl,,, p<:rscn(s) "'base IUlUC(s} is subscdbed 10 Ihe within ill5llUmcnl. 'IlK! ::I<:knowledged thai he/she ClCl:Uled the s>>oe for tlLe purposes Ihereinconwned. In "'llnns v.hcreof I her<:unlo set my h:md and offici:.!l scal d ...',/;i'..!.Jf.......r. !2..{: :~<'~":..,~~;..:~'ft... MYlO :s-~ r _L-.-( . (".~ ,"~'l^li;:.. .L~~.\ N~rilna'S'~1 t.--7T' I. .......... ./II~ S '.1"'(,'\'.~A.'" \...~1 u..1) Vll\(onlT PInI(l,Nal."""l>bIIc: .. ...... ~..... '.;r.ffC.'..,:~..~"';~~i.~!?- G'u"r'Ullo"" A&.\It1MyCou....~ ;::: f-::-: *f.f("'t't~:~""'::"J- llyCotn.....1l..",E"",.....'Y',2001 ::..:.=.:~_~..~"(.o.' ~.:( i..' MonltH),. P.nn1yill..n'~ ;.Jc.i;iatrOl1 DI NOlaUfS ',~,.. .";' ..~...~~ ''''~~i ' Il ;, hcrd,y "nilicd 111;11 lllead<lress of Ihe Lender willl;n n;llneiJ is; .~.~.;...:.~.;.:.,.:T.',:,~,',','.',e,'~,.,",',,~, ',~.~,. ,~~,.' ',~',:.:" '~.:,~,",:, :,:, ',:, '.~.'.';,:,~,.~,:,-;,L.:,:i,.~,::,~,;,:;;.',~,t:a,.'.,::::,~,:,:.?,~,~,~,:,.,'<i' . HUI I!H~~~;,l<: Dnv~ .:::"l~.~..l.~.a:..~~.~I:'..~~.~~:...~~~~.~~:'~nu. 17011 ~ _ ".""', ""'I ::,:;.'J,j'. ''l.!Wi'' ..c_...... "..00.>.'.,..,. ',,~"l..~ru.. .,,,.,.> eODl1502 fACE 827 (p~g~5<>f 61 .. EXHIBrT A I.eaal oescri~ ALl. TIIAT ..ERTAUI "ROrERTY SI'1'1JATEU HI THE TOWNSHIP OF WEST' PENNS80ltO, COUNTY OF CUMtsERLANU AND STATE OF PENNSYLVANIA, BEING MORS FULLY DESCRIBED UI DEED DA.TED '/12/96, RECORDED 10/10/96. APpeAAING AMONG THE LAND RECORDS OF THE CO~TY AND STATS SET FORTH ABOVE IN OEsn 800K 147, ~ACE 40l. P~r~el In: 46.09-0521-031 ;, ,":':,~;~~:~;~~;l~':~;.;:~;; ~a ~ ..I:~''': d.".: .'~, II.... '~C('lrdlOg III u~~....,. t, .,., . l.:.rlr'UCo.m.,~,._.-.~ r . r.lI Vo,~_paltl~~'i'\{~;>:'): "1, I, '" h~~nd:..r""O'olll.., '.\ ;,.. :(;:<j&:;~'.' . 'l~,\ C.(I'~"',I'A.~!: _f\c. dilVQ .. '_'i~Tb~~~:.tlV;..j.:'.;. .-;1;-('.1 '. '. .... .:. '!:r1S~)1i!\;ii~~~i:. , acord 0" ''-'''0' "'J;".{~~"':'/~:"'" ~.::.:r' :' 'it.:. ':~:~I~'~l:),.I,n:,.to."':;' ';;"J= .:rJ' p,.: ;.~~~ ("~lj!.V': if/II.:;, ), \,"~'ll' $,!;r;j:~;;V.':.;.''i,':. '.<~ '.' ...;{.:;...t1.~l~...~'e~; ", ";'~t#*~jj;~]~re}" BOu<:l502",[ .828 :jJa.tij~tm''''4Lo'''' '....~'~ '. .""'1 Wt . . .' AI.TA I."~<l. "I)lic~ ScbcdulcA MORTGAGE TITLE INSURANCE POLICY SCHEDULE A policy No_ 826859 File No. PACU0880796 Amount of Insurance: $ 200,000.00 Date of Policy: De~ember 2, 1998 at 08:00 AM 1. Name of Insured: Green Tree Consumer Discount Company, its successors and/or assigns , 2. The estate or interest in the land which is encumbered by the insur.ed mortgage is: Fee Simple 3. Title to the estate or interest in the land is vested in: Stt::ven A. Failor and cynthia L. Failor, husband and wife, as tenam:s by the entireties (Deed Book 147, Page 403) " '1. The insured mortgage and assignments thereof, if any, are described as follows: Mortgage dated November 27, 1998, given by Steven A_ Failor and Cynthia L. Failor, husband and wife, as tenants by the entireties to Green Tre:e Consumer Discount Company and recorded on December 2, 1998 in Mortgage Book 1502 at page 822 of the office of the RECORDK~ OF DEEDS, Cumberland County, pennsylvania, given to secure a note in the amount of $200,000.00. S. The land referred to in this policy is described as follows: FOR INFORMATIONAL PURPOSES ONLY: 525 Mount Rock Road, West Pennsboro Township, PA 17241 Newville , Cumberland County, Pennsylvania 46-09-0521-031 EXPRESS FINANCIAL SERVICES, INC. ;/ ,d/7' <~Mif/~> Authorized Si.gnatory By: ,hlS pol~cy is inv~lid unless ~he insurlng p=ovlsions ~nd Schedules A ~nd a are attached First American Title Insurance Company ALIA Lo;_,<tPoJicy-Form] Sdu:JuJeB-Pan I MORTGAGE TITLE INSURANCE POLICY SCHEDULE B Policy No. 826859 File No. PACU0880796 EXCE~ONSFRO~fCOVERAGE This policy does not insure against. loss or damage (and the Company .,.;ill noc pa:,. costs, attorney's fees or expenses) which arise by reason of; 1- , Encroachments, overlaps, boundary line disput.es and any ather matters which ~ould be disclosed by an accurate survey and inspection of the premises, Edsements or claims of easements not shown by the public records_ If .:<l1Y improvements are erected upon the property during the current year, policy is i_ssued subject to any taxes for the current year, which may be hereafter assessed or levied by virtue of new construction completed or or partially completed during the current year, not yet due and payable. 4.. Coal and mining rights and all rights relating thereto. Policy insures against future surface operations on insured premises. NOTICE _ THIS DOCUMENT MAY NOT/DOES NOT SELL, CONVEY, TRANSFER, INCLUDE OR INSURE THE TITLE TO THE COAL AND RIGHT OF SUPPORT UNDERNEATH THE SURFACE ~ID DESCRIBED OR REFERRED TO HEREIN, AND THE OWNER OR O'~ffiRS OF SUCH COAL MAY HAVE/HAVE THE COMPLETE LEGAL RIGHT TO REMOVE ALL OF SUCH COAL MID, IN THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE, BUILDING OR OTHER STRUCTURE ON OR IN SUC~ LAND, THE INCLUSION OF THIS NOTICE DOES NOT EN~~GE, RESTRICT OR MODIFY ANY LEGAL RIGHTS OR ESTATES OTHERWISE CREATED, TRANSFERRED, EXCEPTED OR RESERVED BY THIS INSTRUMENT. [This not.ice is set forth in the manner provided in Section 1 of the Act of July 17, 1957, P.L. 984, as amended, and is not intended as notice of unrecorded instruments, if any.} 5. Subject to rights of ways, easements, reservations or restrictions as contained in the prior chain of title or as shown on the recorded plan. 6. Mortgage to Meridian Bank, recorded 05/10/96, in the Office of the Recorder of Deeds for Cumberland County in Mortgage Book Volume 1319, page 344, in the amount of $31,700.00_ This is a first lien mortgage. 7. Judgment at #98-4742, entered 08/17/98 in the amount of $7,593.50: L8 Smit.h Ford, Inc., 12th & Market Streets, Lemoyne v. Steve Failor, 525 Mount Rock Road, Ne~Fille, PA. 8. Subject to all current Rea~ Estate Taxes; Paid through 1997. 9. Subject to all current year's real estate taxes, not yet due and payable. '!'his poli<.:y is invalid un.ess che insuring pro.,isions and Schedules A and S are a!:Lacnec First American Title Insurance Company .' Al.l,\Lo.nPolicy Sd,~dule n.p,rt II MORTGAGE TITLE INSURANCE POLICY SCHEDULE B.I1 policy No. 826859 File No. PACU0880796 In addition to the matters set forth in Schedule (8). the title to the estate or interest in the land described or referred to in Schedule (A) is subject to the J:ollowing watters, if any be shown, but the Company insures that these matters are :jl:bordi nate to the lien or charge of the insured mortgage upon the estate or J nt",~-cs!:: , tiON:8 This policy is i~vaLid unl~55 the insuring pravlsions and Schedules A and B are attached First American Title Insurance Company -"l .. . 1~ ". u_ ~V)~ .!!--20-9' '3.39 C 'B D ,.-717 , ~ PRBMIBR ABSTRAcrS UNLIMI'I'ED, INC. n.~. ..,...__...-..~, ~.. .. " d PIX N\IIlIbtn (717) 2H-819hr (717) 545-61&3,\ - ~~.~l1\1l~15SO , SjlaJ;/dll:lfitr. /JI.JUt.IiaIlr4~ 21-11011I' lllnlCl'yl'ilIl tir.ul ....._ I -r>tI': ";,,c.-- ......-., ..,..", N~U/l4.E E~fp.c~S ,~"" t'o'l 1_01. -t ,,5dS l'\0L'j.(T"~ I'<~, I II'JI~ f/iI'IiLtif,J t,J, r '5i!lS .nOA__,,.~'T?D.,~; 00""'- ~ GO!" i ,.......__ ::l VC/I 'If: n /t..ftf' 'k -.11 0.... " '1-la- f.p ..tal...... . ,....,.- ,q, . q~ ..._..--0-. B-1:f!JYY l-, mo1TC1l .:;. .~:~.' - / P.&l RECEIVEI DEe 2 8 21101 CAMBRIDG t.,~ '~. "n:t&lt t:/(J_O~OS /a/- as I ,. D6--'A./~ ;ffl7- l.J,o</l.~7 , "'...-.... L :.sc>:5o . l.3u50 T "100 - sh/7r.. ~fr'I' r. . ... . . 2..1-67 - (""'. ,.,. L -;;. .' ~ +-' '; 'Z p.",,(()::' -' '""'-, Y-^1 II "~ ";'-1' t .., ().<<J ~ IFf-3fY! A. - '1:~Jt} - 3/, 7- · I".......... - 3rt :wr I iltt...:D...., t!Iv-"- . -r /"!".-lufif! Sl-tk..s I ,.,. ,-,,,t><S .~zs ".../,1 ~ _ s-sr -- A"'P '4n. . ~eME.O t.-I.. 3. , ~ !) "IV . 0" -D y/l,j9Y >75 . ! . , i , . . ,,-..,n 5 .... <'-'1 ,f4'f fVr<l, I I ('t1~St()- --" - 9."" Ie -I. : l..a , l~ I I ." VERIFICATION The undersigned, James J, Pokusa, hereby verifies and states that: I. He is counsel for Express Financial Services, rnc,; 2, He is authorized to make this Verification on its behalf; 3, The facts set forth in the foregoing Complaint are true and correct to the best of his knowledge, information and belief; and 4, He is aware that any false statements herein are made subject to the penalties of 18 Pa,C.S,A. 94904, relating to unsworn falsification to auroritts, ~ Dated: Jame J. Pokusa, Esquire .' MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN BY: Timothy J, Bloh, Esquire Janesa Urbano, Esquire Attorney Identification Nos,: 56162/77790 1845 Walnut Street, 17th Floor Philadelphia, P A 19 I 03 (215) 575-2797 /' , EXPRESS FINANCIAL SERVICES, INe. v, CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL ACTION - LAW PREMIER ABSTRACTS UNLIMITED, INe. NO, 03-2255 ANSWER OF DEFENDANT PREMIER ABSTRACTS UNLIMITED, INC. WITH NEW MATTER TO PLAINTIFF'S COMPLAINT AND NOW, comes Defendant, Premier Abstracts Unlimited, Inc" by and through its attorneys, Marshall, Dennehey, Warner, Coleman & Goggin and hereby files this Answer to Plaintiffs Complaint with New Matter, and answers as follows: I, Admitted upon information and belief. 2. Admitted. 3, Denied, This paragraph contains conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 4. Denied. Any alleged contracts entered into between plaintiff and defendant are writings which speak for themselves. As a result, any mischaracterization by plaintiffregarding these alleged contracts are denied as conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response. 5. Denied, Any alleged contracts entered into between plaintiff and defendant are writings which speak for themselves, As a result, any mischaraclerization by plaintiffregarding these alleged contracts are denied as conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 6, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied. 7. Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, By way of further answer, Exhibit "A" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied, 8. Admitted in part; denied in part, It is admitted that on August 24, 1998 plaintiff requested that the defendant complete the title search of Steven A, Failor and Cynthia L. Failor (the "Failors") at the property address of525 Mount Rock Road, Newville, Pennsylvania (hereinafter the "property"). However, the remaining averments to this paragraph are strictly denied as Exhibit "A" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied, 9, Admitted. 10, Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, By way of further answer, it is not possible for defendant to ascertain the reasons for which plaintiff engaged defendant's services. II, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, .' 12. Admitted in part; denied in part, It is admitted that answering defendant provided search results to plaintiff on or about August 28, 1998 with a cover date of August 18, 1998, However, the remaining averments of this paragraph are denied, In that, Exhibit "B" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied, 13, Admitted in part; denied in part. It is admitted that answering defendant provided bring down title search results to plaintiff on or about November 30, 1998 with a cover date of November 23, 1998, However, the remaining averments of this paragraph are denied. In that, Exhibit "C" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied, Furthermore, the document which is attached to Plaintiff Complaint as Exhibit "C" is not a completed bring down. 14, Denied, This paragraph contains conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, Furthermore, the document which is attached to Plaintiff Complaint as Exhibit "C" is not a completed bring down. ] 5. Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 16. Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, By way of further answer, Exhibit "D" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied. 17, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 18. Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, By way of further response, Exhibit "D" to Plaintiffs Complaint is writing which speaks for itself and any mischaracterizations thereof are strictly denied, 19. Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied. By way of further answer, Exhibit "E" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied, 20, Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 21, Denied. This paragraph contains conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response. By way of further response, Plaintiff relies on many documents in issuing a policy of insurance and thus cannot claim reliance on one particular document as being the basis upon which they relied. 22, Denied. This paragraph contains conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, By way of further answer Exhibit "E" to Plaintiffs Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied, .' 23, Denied, This paragraph contains averments with respect to the mortgage and mortgage title insurance policy which are attached as Exhibits "D" and "E," respectfully, to Plaintiffs Complaint. Exhibits "D" and "E" to Plaintiffs Complaint are writings which speak for themselves and as a result any mischaracterizations thereof are :;trictly denied, 24. Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 25, Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 26, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 27. Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied. 28, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied. 29, Denied, This paragraph contains conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, By way of further answer, answering defendant had no knowledge of any sale of property by the Failors in August, 1998, 30. Denied, This paragraph contains conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, By way of further answer, Exhibits "B" and "C" to Plaintiff's Complaint are writings which speak for themselves and any mischaracterizations thereof are strictly denied. 31, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 32. Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, By way of further answer, it is strictly denied that plaintiff was obliged to pay First American any amount. 33, Admitted. 34, Denied, After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied, 35, Admitted in part; denied in part, It is admitted that plaintiff has notified answering defendant that it intended to hold answering defendant responsible for the losses plaintiff incurred under the mortgage title and policy, However, the remaining averments of this paragraph are denied and that any "failure" alleged by plaintiff are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 36, Denied. This paragraph contains averments with respect to Exhibit "F" attached to Plaintiff's Complaint. Exhibit "F" to Plaintiff's Complaint is a writing which speaks for itself and any mischaracterizations thereof are strictly denied as conclusions of law, By way of further .' answer, the handwriting on the document is that of an employee ofPlaintiffrequesting that only mortgages be checked, 37, Denied, By way of further answer, Plaintiffs employee specifically requested that only mortgages be searched and thus was on notice of the limited nature of the search being performed. 38. Denied, See above response, 39, Denied. 40, Denied, 41. Denied, This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 42, Denied. This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response. 43. Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response. COUNT I - BREACH OF CONTRACT 44. Defendant, Premier Abstracts Unlimited, lnc" hereby incorporate their previous answers to Plaintiffs Complaint as though the same were set forth herein at length, 45, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response. By way of further response, the only document from Plaintiff was the faxed search request. 46, Denied. This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response. 47, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 48, Denied. This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 49. Denied, This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 50, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 5 I. Denied, This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 52, Denied, This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 53. Denied. After reasonable investigation, answering defendant is without sufficient knowledge or information to aver to the truth or falsity of this paragraph, and as a result said paragraph is denied. By way of further answer, it is strictly denied that plaintiff was obliged to pay First American any amount. 54, Denied. This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, WHEREFORE, Defendant, Premier Abstracts Unlimited, Inc., respectfully demands judgment in its favor and against the plaintiff, together with costs. COUNT 11- OUANTUM MERUIT 55, Defendant, Premier Abstracts Unlimited, Inc., h.,reby incorporate their previous answers to Plaintiffs Complaint as though the same were set fOlih herein at length, 56. Denied. This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, By way of further answer Exhibit "A" to Plaintiffs Complaint is a writing which speaks fi)r itself and any mischaracterizations thereof are strictly denied, 57. Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 58, Admitted, 59, Denied, This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response. 60, Denied, This paragraph contains averments which are conclusions of law to which the Pennsylvania Rules of Civil Procedure require no response, 61, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 62, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 63, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 64, Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, 65. Denied, This paragraph contains averments which are conclusions oflaw to which the Pennsylvania Rules of Civil Procedure require no response, WHEREFORE, Defendant, Premier Abstracts Unlimited, Inc" respectfully demands judgment in its favor and against the plaintiff, together with costs, .' NEW MATTER 66. If plaintiff suffered damages as alleged, the same being fully denied, said damages were caused by persons or entities who are not presently parties to this litigation, 67, The facts as alleged in Plaintiff's Complaint, even when construed most favorably to the plaintiff, do not support any finding ofliability against defendant, Premier Abstracts Unlimited, Inc, 68. Plaintiffs alleged damages were caused, in whole or in part, by third parties over whom answering defendant had no controL 69, Plaintiff fails to state a claim upon which relief may be granted, 70, Plaintiffs Complaint is barred by of the applicable Statute of Limitations, 71. Plaintiffs Complaint is barred and/or limited by the Doctrines of Res Judicata and Collateral EstoppeL 72, If answering defendant is found liable, the negligence of others, including plaintiff, act or bar or proportionately reduce any liability of answering defendant under the Pennsylvania Comparative Negligence Act, 42 Pa, CS ~7102. 73. Plaintiffs claims are barred in whole or in part by the doctrine of assumption of the risk, 74, Plaintiffs claims are barred in whole or in part by the doctrine of waiver and/or EstoppeL 75, Plaintiff has failed to mitigate their damages, 76, Plaintiffs claims are barred in whole or in part by the doctrine of accord and/or satisfaction, 77. The direct and proximate cause of the injuries and damages sought by plaintiff was the negligence of others failing to exercise that degree of care that a reasonable, prudent person would exercise under the same or similar circumstances. WHEREFORE, answering defendant, Premier Abstracts Unlimited, Inc, demands judgment in its favor and against plaintiff, -" BY: MY],1;3L H, ESQUIRE ] ESAlJRB~NO, ESQUIRE Attorney f<ir'De1endant, ~, Premier Abstracts Unlimited, Inc, .. VERIFICATION The undersigned, Chris Peters, having read the Answer to Plaintiffs Complaint, hereby verifies that the within Answer to Plaintiffs Complaint is based on infonnation furnished to counsel in the course of this lawsuit. The language ofthe pleading is that of counsel and not of signer. Signer verifies that he has read the within Answer and that it is true and correct to the best of signer's knowledge, infonnation and belief. To the extent that the contents of the Answer to the Complaint are that of counsel, verifier has relied upon counsel in taking this Verification. This Verification is made subject to the penalties of 18 P A. C.S, 4904 relating to unsworn falsification of authorities, nl lJ lfl '5 I')' u 3 Dated: \O]_~17\LlAB\PRD\ PL 02568\T AL\2067\ \00273 CERTIFICATE OF SERVICE I, Janesa Urbano, Esquire, hereby certifies that on the following date, a true and correct copy of the foregoing Answer to Plaintiffs Complaint was forwarded by U.S, Mail, First Class to: Melissa A. Swauger, Esquire Shumaker Williams PC P.O, Box 88 Harrisburg, P A 17108 DATED: 5/;"1/03 MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN ~. THY J. BLOH, ESQUIRE JANESA URBANO, ESQUIRE Attorney for Defendant, Premier Abstracts Unlimited, [nc, 101 _171L1ABIPRD\OPL T15025681TAL\20671100273 EXPRESS FINANCIAL SERVICES, INC., : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA Plaintiff, v. NO, 03-2255 PREMIER ABSTRACTS UNLIMI1ED, INC., CIVIL ACTION - LAW Defendant. REPLY OF EXPRESS FINANCIAL SERVICES. INC. TO NEW MATTER OF DEFENDANT PREMIER ABSTRACTS UNLIMITED. INC. AND NOW COMES the Plaintiff, Express Financial Services, Inc. ("Express"), by and through its counsel, Shumaker Williams, P,C" to state the following Reply to New Matter of Defendant Premier Abstracts Unlimited, Inc,: 66. Denied as a conclusion of law, The averments contained in paragraph 66 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied. 67. Denied as a conclusion oflaw, The averments contained in paragraph 67 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 68. Denied as a conclusion of law. The averments contained in paragraph 68 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied, By way of further responsive, after reasonable investigation, Express is without information or knowledge sufficient to for a belief as to the truth of the averments set forth in paragraph 68 of the New Matter. 69. Denied as a conclusion ofIaw, The averments contained in paragraph 69 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 70, Denied as a conclusion of law. The averments contained in paragraph 70 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied. 71, Denied as a conclusion ofIaw. The averments contained in paragraph 71 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 72, Denied as a conclusion ofIaw. The averments contained in paragraph 72 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied. 73. Denied as a conclusion oflaw. The averments contained in paragraph 73 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 74. Denied as a conclusion of law. The averments contained in paragraph 74 constitute conclusions of law to which no responsive pleading is required, In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 2 75, Denied as a conclusion oflaw, The averments contained in paragraph 75 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied. 76, Denied as a conclusion of law. The averments contained in paragraph 76 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied, 77. Denied as a conclusion oflaw. The averments contained in paragraph 77 constitute conclusions of law to which no responsive pleading is required. In the event that a responsive pleading is deemed to be required, said averments are specifically denied, WHEREFORE, Plaintiff respectfully requests this Honorable Court to enter judgment in its favor and against Defendant and award Plaintiff damages in excess of $35,000, plus interest, costs, and such other relief as the Court may deem necessary and/or appropriate, SHUMAKER WILLIAMS, P,C, Dated (y I (6/ G) By i~J~\ {(.. ) ""(\."'7"-~ Laurence W, Dague, 1.0. #19715 Anthony .r. Foschi, J.D. #55896 Melissa A. Swauger, I,D. #82382 PO, Box 88 Harrisburg, PA 17108 (717) 763..1121 155830 Attorneys for Plaintiff 3 CERTIFICATE OF SERVICE I, Melissa A. Swauger, Esquire, of the law firm of Shumaker Williams, P,C" hereby certify that I served a true and correct copy of the foregoing Reply of Express Financial Services, Inc, to New Matter of Defendant Premier Abstracts Unlimited, Inc, in the possession of the United States mail, first-class, postage prepaid, addressed as follows: Timothy 1. B1oh, Esquire MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN 1845 Walnut Street Philadelphia, PA 19103-4797 Attorney for Defendant SHUMAKER WILLIAMS, P.C. Dated: (S; ( I G /03 By ~;'I 0. J..~iA/",ft',(' Melissa A. Swauger v '. P,O. Box 88 Harrisburg, PA 17108 (717) 763..1121 ;r (/; ~ <.- i::,--- ~;:t; ~ () C <:: ...... C~ = .r- ..." fT1 c:o I Cl"I o 'Tl :r'Tl nl-.- -ClF,; -,-CJ c..~(l :t~ 0-" 70 0,(1 ~ ~ ~ r:Y .::- Ul EXPRESS FINANCIAL SERVICES, INC" PLAINTIFF V, PREMIER ABSTRACTS UNLIMITED, INC" DEFENDANT : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : 03-2255 CIVIL TERM ORDER OF COURT AND NOW, this 29th day of April, 2004, the motion of defendant for judgment on the pleadings, IS DENIED. v!ielissa A. Swauger, Esquire P,O, Box 88 Harrisburg, PA 17108 For Plaintiff ./.fanesa Urbano, Esquire 1845 Walnut Street, 1 th Floor Philadelphia, PA 19103 For Defendant :sal BCS:;Z7J~~ Edgar B, Bayley, J, > ~,l ~) Oy-~q-Ot../ \I1NVtn\S:\!N3d AJ.NnO:) C.i(~U;38V'1n:) 88 ; J Wd 62 ~dV ~ODZ Ai:fI110NOHlOl:kJ ;lI;U. :lO 301:ld0-031f!' IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA EXPRESS FINANCIAL SERVICES, INC., : Plaintiff : No. 03-2255 v. PREMIER ABSTRACTS UNLIMITED, INC., : CIVIL ACTION - LAW Defendant PRAECIPE TO DISCONTINUE. SETTLE AND END To: Prothonotary Please mark the above-captioned case as discontinued, settled and ended. SHUMAKER WILLIAMS, P.C. Dated: \ 2.(14 [2ocG BY~ Anthony J. Foschi,l. . #55895 Evan C. Pappas, I.D. #200103 P.O. Box 88 Harrisburg, P A 17108 (717) 763-1121 Attorneys for Plaintiff : 194542 , . CERTIFICATE OF SERVICE I, Evan C. Pappas, Esquire, ofthe law firm of Shumaker Williams, P.C., hereby certify that I served a true and correct copy of the foregoing Praecipe to Discontinue, Settle and End on this date by depositing a copy of the same in the possession of the United States mail, first-class, postage prepaid, addressed as follows: Douglas E. Herman, Esquire MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN 1845 Walnut Street, 17th Floor Philadelphia, PA 19103-4797 Dated: I ~ II L( ft0::6 S~S'P'C' By , E~an C. Pappas P,O, Box 88 Harrisburg, PAl 71 08 (717) 763-1121 o f:; ~;:::.. r--.:l = c:=> c;r-o CI r'1 CJ o -n --i I-n rn, -am JJY c:~}~ :-rn 8 ~ =< -0 ~ :",,) N