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HomeMy WebLinkAbout07-1538h 7 " 1D Robert D. Kodak, Esquire Supreme Court I.D. 18041 KODAK & IMBLUM, P.C. Post Office Box 11848 407 North Front Street Harrisburg, PA 17108-1848 717-238-7151 Fax: 717-238-7158 email: robert.kodak@verizon.net Attorney for Pennsylvania State Bank PENNSYLVANIA STATE BANK IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 01 RICHARD D. ALBERTSON and ANNE CIVIL DIVISION -LAW M. ALBERTSON : Defendants IN MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claim 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 an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 • S PENNSYLVANIA STATE BANK Plaintiff V. RICHARD D. ALBERTSON and ANNE M.ALBERTSON IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. : CIVIL DIVISION -LAW Defendants : IN MORTGAGE FORECLOSURE COMPLAINT IN MORTGAGE FORECLOSURE The Plaintiff, Pennsylvania State Bank, by its attorneys, Kodak & Imblum, P.C., brings this action of Assumpsit against the Defendants, Richard D. Albertson and Anne M. Albertson, to recover the sum of One Hundred Sixty-Two Thousand, One Hundred Seventeen Dollars and Thirty- Seven Cents ($162,117.37) along with interest thereon at the rate of Seven and One-Half (7.50%) Percent per annum from February 21, 2007, upon a cause of action of which the following is a statement: 1. The Plaintiff, Pennsylvania State Bank, is a financial organization organized and existing under the laws of the Commonwealth of Pennsylvania, having its principal office and place of business at 2148 Market Street, Camp Hill, Cumberland County, Pennsylvania 17001-0487. ^l 2. The Defendant, Richard D. Albertson, is an adult individual residing at 132 Briar Patch Drive, Carlisle, Cumberland County, Pennsylvania 17013. 3. The Defendant, Anne M. Albertson, is an adult individual residing at 132 Briar Patch Drive, Carlisle, Cumberland County, Pennsylvania 17013. 4. On or about February 6, 2004, in order to secure a loan for a commercial investment property, Defendants did execute a Mortgage securing property as referenced in Deed Book 261, Page 3263, in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, to Plaintiff, in the amount of One Hundred Forty Thousand ($140,000.00) Dollars, with interest thereon. A true and correct copy of said Mortgage is attached hereto, marked as Exhibit "A" and made a part hereof. 5. In order to further secure said loan, on or about February 6, 2004, Defendants did additionally execute a Promissory Note in the amount of One Hundred Forty Thousand ($140,000.00) Dollars. A true and correct copy of said Promissory Note is attached hereto, marked as Exhibit "B" and made a part hereof. F:\USER\BONNIEJO\PSB\FORECLWIbertson\compl - main st.wpd:08Mar07 2 Y Y 6. Defendants did further enter into and execute a Business Loan Agreement. A true and correct copy of the Business Loan Agreement as executed by Defendants on or about February 6, 2004, is attached hereto, marked as Exhibit "C" and made a part hereof. 7. Defendants have defaulted on the payment terms of the aforesaid Mortgage and Note, and are indebted to Plaintiff in the amount of One Hundred Thirty-Five Thousand, Ninety-Seven Dollars and Thirty-Nine Cents ($135,097.39), as evidenced by Plaintiffs Statement of Account attached hereto, marked as Exhibit "D" and made a part hereof. Pursuant to the terms and conditions of the documentation attached hereto as Exhibits "A," "B" and "C," Defendants are further liable to Plaintiff for attorney's fees which have been added to said account in the amount of Twenty-Seven Thousand, Nineteen Dollars and Forty-Eight Cents ($27,019.98). 9. The balance due and owing by Defendants to Plaintiff is the sum of One Hundred Sixty-Two Thousand, One Hundred Seventeen Dollars and Thirty-Seven Cents ($162,117.37), plus interest at Seven and One-Half (7.50%) Percent per annum from February 21, 2007, said interest to continue to accrue until such time as the loan is paid in full. F:\USER\BONNIEJO\PSB\FORECL\Albertson\compl - main st.wpd:08Mar07 3 J N 10. As this is a commercial investment property and not Defendants' primary residence, Act 91 Notices are not required. 11. Plaintiff has frequently demanded payment from Defendants of said amount due and owing as aforesaid, but Defendants have refused and neglected and still refuse and neglect to pay said amount of any part thereof. WHEREFORE, Plaintiff brings this suit to recover from Defendant the sum of One Hundred Sixty-Two Thousand, One Hundred Seventeen Dollars and Thirty-Seven Cents ($162,117.37) along with interest thereon at the rate of Seven and One-Half (7.50%) Percent per annum from February 21, 2007. Respectfully submitted, KODAK & IMB , P.C. Robert D. Kodak 407 North Front Street Post Office Box #11848 Harrisburg, PA 17108-1848 (717) 238-7151 Attorney ID No. 18041 Attorney for Plaintiff F:\USER\BONNIEJO\PSB\FORECL\Albertson\compl - main st.wpd:08Mar07 RECORDATION REQUESTED BY: PEtINSYLVANIA STATE BANK Carlisl6'Financlal Center 1 North Hanover Street Carlisle, PA 17013 WHEN RECORDED MAIL TO: Pennsylvania State Bank 2148 Market Street. P. O. Box 487 Camp Hill, PA 17001-0487 lj r-?d 12 H(7 11_ In SEND TAX NOTICES TO: -?•?x"???? Richard D. Albertson (,,2J- p Z 132 Briar Patch Drive Carlisle PA 17013 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONLY MORTGAGE U THIS IS A PURCHASE MONEY MORTC?AGFM A& ne Albertson THIS MORTGAGE dated February 6, 2004, is mace and executed between Richard D. Albertson, whose address is 132 Briar Patch Drive, Carlisle, PA 17013 (referred to below as "Grantor") and PENNSYLVANIA STATE BANK, whose address is 1 North Hanover Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuable consideration, Grantor grants, bargains, sells, conveys, assigns, transfers, releases, confirms and mortgages to Lender all of Grantor's right, title, and interest In and to the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all streets, lanes, alleys, passages, and ways; all easements, rights of way, all liberties, privileges, tenements, hereditaments, and appurtenances thereunto belonging or anywise made appurtenant hereafter, and the reversions and remainders with respect thereto; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigation rights); and all other r!ghts, royalties, and profits relating to the real property, including without limitation all minerals, oil, gas, geothermal and similar matters, (the " eat Property") located in Cumberland County, Commonwealth of Pennsylvania: 1 East Main Street Silver Spring Township, Cumberland County Pennsylvania as further described in Exhibit "A" attached hereto and by this-reference made a part hereof. The Real Property or its address is commonly known as 1 East Main Street, New Kingstown, PA 17072. Grantor presently assigns to Lender all of Grantor's right, title, and interest in and to all present and future leases of the Property and all Rents from the Property. In addition, Grantor grants to Lender a Uniform Commercial Code security interest in the Personal Property and Rents. THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF ANY AND ALL OBLIGATIONS UNDER THE NOTE IN THE ORIGINAL PRINCIPAL AMOUNT OF $140,000.00, THE RELATED DOCUMENTS, AND THIS MORTGAGE. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: PURCHASE MONEY MORTGAGE: if any of the debt secured by this Mortgage is lent to Grantor to acquire title to the Real Property, this Mortgage shall be a purchase money mortgage under 42 P.S. Section 8141. PAYMENT AND PERFORMANCE. Except as otherwise provided in this Mortgage, Grantor shall pay to Lender all amounts secured by this Mortgage as they become due and shall strictly perform all of Grantor's obligations under this Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's possession and use of the Property shall be governed by the following provisions: Possession and Use. Until the occurrence of an Event of Default, Grantor may (1) remain in possession and control of the Property; (2) use, operate or manage the Property; and (3) collect the Rents from the Property. Duty to Maintain. Grantor shall maintain the Property in tenantable condition and promptly perform all repairs, replacements, and maintenance necessary to preserve its value. Compliance With Environmental Laws. Grantor represents and warrants to Lender that: (1), During the period of Grantor's ownership of the Property, there has been no use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance by any person on, under, about or from the Property; (2) Grantor has no knowledge of, or reason to believe that there has been, except as previously disclosed to and acknowledged by Lender in writing, (a) any breach or violation of any Environmental Laws, (b) any use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, under, about or from the Property by any prior owners or occupants of the Property, or (c) any actual or threatened litigation or claims of any kind by any person relating to such matters; and (3) Except as previously disclosed to and acknowledged by Lender in writing, (a) neither Grantor nor any tenant, contractor, agent or other authorized user of the Property shall use, generate, manufacture, store, treat, dispose of or release any Hazardous Substance on, under, about or from the Property; and (b) any such activity shall be conducted in compliance with all applicable federal, state, and local laws, regulations and ordinances, including without limitation all Environmental Laws. Grantor authorizes Lender and its agents to enter upon the Property to make such inspections and tests, at Grantor's expense, as Lender may deem appropriate to determine compliance of the Property with this section of the Mortgage. Any inspections or tests made by Lender shall be for Lender's purposes only and shall not be construed to create any responsibility or liability on the part of Lender to Grantor or to any other person. The representations and warranties contained herein are based on Grantor's due diligence in investigating the Property for Hazardous Substances. Grantor hereby (1) releases and waives any future claims against Lender for indemnity or contribution in the event Grantor becomes liable for cleanup or other costs under any such laws; and (2) agrees to indemnity and hold harmless Lender against any and all claims, losses, liabilities, damages, penalties, and expenses which Lender may directly or indirectly sustain or suffer resulting from a breach of this section of the Mortgage or as a consequence of any use, generation, manufacture, storage, disposal, release or threatened release occurring prior to Grantor's ownership or interest in the Property, whether or not the same was or should have been known to Grantor. The provisions of this section of the Mortgage, including the obligation to indemnify, shall survive the payment of the Indebtedness and the satisfaction and reconveyance of the lien of this Mortgage and shall not be affected by Lerder s acquisition of any interest in the Property, whether by foreclosure or otherwise. Nuisance, Waste. Grantor shall not cause, conduct or permit any nuisance nor commit, permit, or suffer any stripping of or waste on or to the Property or any portion of the Property. Without limiting the generality of the foregoing, Grantor will not remove, or grant to any other party the right to remove, any timber, minerals (including oil and gas), coat, clay, scoria, soil, gravel or rock products without Lender's prior written consent. Removal of Improvements. Grantor shall not demolish or remove any Improvements from the Real Property without Lender's prior written consent. As a condition to the removal of any Improvements, Lender may require Grantor to make arrangements satisfactory to Lender to replace such Improvements with Improvements of at least equal value. Lender's Right to Enter. Lender and Lender's agents and representatives may enter upon the Real Property at all reasonable times to attend to Lender's interests and to inspect the Real Property for purposes of Grantor's compliance with the terms and conditions of this Mortgage. Compliance with Governmental Requirements. Grantor shall promptly comply with all laws, ordinances, and regulations, now or hereafter in effect, of all governmental authorities applicable to the use or occupancy of the Property, including without limitation, the Americans With Disabilities Act. Grantor may contest in good faith any such law, ordinance, or regulation and withhold compliance during any proceeding, including appropriate appeals, so long as Grantor has notified Lender in writing prior to doing so and so long as, in Lender's sole opinion, Lender's interests in the Property are not jeopardized. Lender may require Grantor to post adequate security or a surety bond, reasonably satisfactory to Lender, to protect Lender's interest. Duty to Protect. Grantor agrees neither to abandon or leave una III other acts, in addition to those acts set forth above in this section, which from the character and use of th rotect and preserve the Property. DUE ON SALE - CONSENT BY LENDER. Lender may, at Lender's able all sums secured by this Mortgage upon the sale or transfer, without Lender's prior written consent, of all nterest in the Real Property. 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Any item above containing """"" has been omitted due to text length limitations. Borrower: Richard D. Albertson (SSN: 018-54-2766) Lender: PENNSYLVANIA STATE BANK 132 Briar Patch Drive Carlisle Financial Center Carlisle, PA 17013 1 North Hanover Street Carlisle, PA 17013 (717) 243-3189 Principal Amount: $140,000.00 Interest Rate: 7.500% Date of Note: February 6, 2004 PROMISE TO PAY. Richard D. Albertson ("Borrower") promises to pay to PENNSYLVANIA STATE BANK ("Lender"), or order, in lawful money of the United States of America, the principal amount of One Hundred Forty Thousand & 001100 Dollars ($140,000.00), together with Interest at the rate of 7.500% per annum on the unpaid principal balance from February 6, 2004 PAYMENT. Borrower will pay this loan in accordance with the following payment schedule: The prinicpal sum of $140,000.00, together with Interest as hereinafter provided on the principal balance outstanding at any time, calculated on the basis of a 360 day year, shall be payable In consecutive monthly Installments, commencing on March 10, 2004, and continuing on the 10th day of each month thereafter until February 10, 2024. Commencing from the date hereof and continuing until February 10, 2009, principal and Interest in arrears at the rate of seven and one-half percent (7.509/6) per annum on the outstanding prinicpal balance shall be payable In equal monthly installments of $1,137.95 on the 10th day of, each month, each such payment to be applied first to the payment of interest on the outstanding principal balance, based on an agreed twenty (20) year' amortization. Thereafter, the interest rate payable on the principal amount of the Loan then outstanding shall be a rate as offered by the Lender in its sole discretion, and the amount of the monthly installments of principal and interest shall be such as have been agreed between the Borrower and the Lender. Principal and Interest, at the rate above stated, shall be paid by Borrower to Lender in consecutive monthly Installments commencing on March 10, 2009, and continuing on the 10th day of each month thereafter until February 10, 2024. . Unless otherwise agreed or required by applicable law, payments will be applied first to any accrued unpaid Interest; then to principal; then to any unpaid collection costs; and then to any late charges. The annual Interest rate for this Note Is computed on a 3651360 basis; that is, by applying the ratio of the annual Interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. Borrower will pay Lender at Lender's address shown above or at such other place as Lender may designate In writing. PREPAYMENT PENALTY; MINIMUM INTEREST CHARGE. In any event, even upon full prepayment of this Note, Borrower understands that Lender is entitled to a minimum Interest charge of $7.50. Upon prepayment of this Note, Lender is entitled to the following prepayment penalty: If for any reason you should prepay the Loan a prepayment penalty shall be Invoked. Such prepayment fee shall be payable at the time of prepayment in an amount calculated by Lender equal to five percent (5%) of any amount prepaid during the first year of the Loan; four percent (4%) of any amount prepaid during the second year of the Loan; three percent (3%) of any amount during the third year of the Loan; two percent (2%) of any amount during the fourth year of the Loan and two percent (2%) of any amount during the fifth year of the Loan. Borrower may prepay this Loan without penalty from Internally generated funds, which shall include the sale of the collateral property. Other than Borrower's obligation to pay any minimum interest charge and prepayment penalty, Borrower may pay all or a portion of the amount owed earlier than it is due. Early payments will not, unless agreed to by Lender in writing, relieve Borrower of Borrower's obligation to continue to make payments under the payment schedule. Rather, early payments will reduce the principal balance due and may result in Borrower's making fewer payments. Borrower agrees not to send Lender payments'narked "paid In full", "without recourse", or similar language. If Borrower sends such a payment, Lender may accept it without losing any of Lender's rights under this Note, and Borrower will remain obligated to pay any further amount owed to Lender. All written communications concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes "payment in full" of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to: Pennsylvania State Bank, 2148 Market Street, P.O. Box 487 Camp Hill, PA 17001-0487. LATE CHARGE. If a payment is 15 days or more late, Borrower will be charged 10.000% of the regularly scheduled payment or $50.00, whichever is greater. INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final maturity, the total sum due under this Note will bear interest from the date of acceleration or maturity at the interest rate on this Note. The interest rate will not exceed the maximum rate permitted by applicable law. DEFAULT. Each of the following shall constitute an event of default ('Event of Default") under this Note: Payment Default. Borrower fails to make any payment when due under this Note. Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Note or In any of the related documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower. Environmental Default. Failure of any party to comply with or perform when due any term, obligation, convenant or condition contained in any environmental agreement executed in connection with any loan. False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Note or the related documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter. Death or Insolvency. The death of Borrower or the dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower. Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether. by judicial proceeding, self-help, repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the loan. This includes a garnishment of any of Borrower's accounts, Including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in its sole discretion, as being an adequate reserve or bond for the dispute. Events Affecting Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the indebtedness or any Guarantor dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any guaranty of the Indebtedness evidenced by this Note. In the event of a death, Lender, at Its option, may, but shall not be required to, permit the Guarantor's estate to assume unconditionally the obligations arising under the guaranty in a manner satisfactory to Lender, and, in doing so, cure any Event of Default. Adverse Change. A material adverse change occurs In Borrower's financial condition, &4- Insecurity. Lender in good faith believes itself insecure. Cure Provisions. It any default, other than a default In payment is curable and if Borrower has not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured (and no event of default will have occurred) if Borrower, after receiving written notice from Lender demanding cure of such default: (1) cures the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, Immediately initiates steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continues and completes all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. Upon default, Lender may, after giving such notices as required by applicable law, declare the entire unpaid principal balance on this Note and all accrued unpaid interest immediately due, and then Borrower will pay that amount. ATTORNEYS' FEES; EXPENSES. Lender may hire or pay if Borrower does not pay. Borrower will pay Lender that amount. This includes, subject to any limits under appl Lender's legal expenses, whether or not there Is a lawsuit, including attorneys' fees, expenses for bankruptcy mom, or vacate any automatic stay or Injunction), and appeals. If not prohibited by applicable law, Borrower also ther sums provided by law. GOVERNING LAW. This Note will be governed by, con h federal law and the laws of the Commonwealth of Pennsylvania. This Note has been accepted by Lend #7 DISHONORED ITEM FEE. Borrower will pay a fee to payment on Borrower's loan and the check or preauthorized charge with which Borrower pays is later His ti f' i' il. At_ PROMISSORY NOTE Loan No: 63000301 (Continued) Page 2 RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whether checking, savings, or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the indebtedness against any and all such accounts. COLLATERAL. Borrower acknowledges this Note is secured by , among other things, a Mortgage and Security Agreement from Borrower to Lender of even date herewith and Intended to be recorded forthwith, secured upon premises situate at 1 E. Main Street, New Kingstown, Pa. 17072 as described in said Mortgage. All of the agreements, conditions, covenants, provisions and stipulations contained in the mortgage which are to be kept and performed by Borrower, are hereby made apart of this Note to the same extent and with the same force and effect as if they were fully set forth herein, and Borrower covenants and agrees to keep and perform them, or cause them to be kept and performed, strictly in accordance with their terms. DEFAULT INTEREST RATE. In the event of default for which Lender does not accelerate the Loan, including the failure of Borrower to provide the financial statements as required hereunder or under the Loan Agreement, the applicable Interest rate on the Loan, for a period beginning three (3) days after written notice of such default and ending upon the curing of said noticed default, shall increase one quarter of one percent (.25%) for the first thirty (30) days of said default and increase an additional one quarter of one percent (.25%) during each thirty (30) day period thereafter during which the noticed default continues. Such default interest rate shall apply to the outstanding principal balance of the Loan. Upon the curing of the noticed default, the interest rate on the Loan shall revert to the initially agreed-upon Interest rate effective on the date on which default is cured. LOAN DOCUMENTS. This Note, the Mortgage and Security Agreement, the related collateral documents, Lender's commitment letter to Borrower dated January 29, 2004, are referred to herein collectively as the "Loan Documents', and the provisions thereof are incorporated herein by reference. SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and upon Borrower's heirs, petsonal.representatives, successors and assigns, and shall Inure to the benefit of Lender and its successors and assigns. NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Please notify us if We report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific lhaccuracy(ies) should be sent to us at the following address: PENNSYLVANIA STATE BANK 2148 Market Street, P.O. Box 487 Camp Hill, PA 17001-0487 GENERAL PROVISIONS. Lender may delay or forgo enforcing any of Its rights or remedies under this Note without losing them. Borrower and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated In writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of rime) this loan or release any party or guarantor or collateral; or impair, fail to realize upon or perfect Lender's security interest in the collateral; and take any other action deemed necessary by Lender without the consent of or notice to anyone. All such parties also agree that Lender may modify this loan without the consent of or notice to anyone other than the party with whom the modification is made. The obligations under this Note are joint and several. If any portion of this Note Is for any reason determined to be unenforceable, it will not affect the enforceability of any other provisions of this Note. CONFESSION OF JUDGMENT. BORROWER HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY ATTORNEY OR THE PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR BORROWER AFTER A DEFAULT UNDER THIS NOTE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT AGAINST BORROWER FOR THE ENTIRE PRINCIPAL BALANCE OF THIS NOTE AND ALL ACCRUED INTEREST, LATE CHARGES AND ANY AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER RELATING TO ANY COLLATERAL SECURING THIS NOTE, TOGETHER WITH COSTS OF SUIT, AND AN ATTORNEY'S COMMISSION OF TEN PERCENT (10%) OF THE UNPAID PRINCIPAL BALANCE AND ACCRUED INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS NOTE OR A COPY OF THIS NOTE VERIFIED BY AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS NOTE TO CONFESS JUDGMENT AGAINST BORROWER SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL PAYMENT IN FULL OF ALL AMOUNTS DUE UNDER THIS NOTE. BORROWER HEREBY WAIVES ANY RIGHT BORROWER MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH CONFESSION OF JUDGMENT AND STATES THAT EITHER A REPRESENTATIVE OF LENDER SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO BORROWER'S ATTENTION OR BORROWER HAS BEEN REPRESENTED BY INDEPENDENT LEGAL COUNSEL. PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. BORROWER AGREES TO THE TERMS OF THE NOTE. BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE. THIS NOTE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS NOTE IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW. BORROWER: X??.? ? ` (Seal) Richard D. Albertson LENDER: PENNSYLVANIA STATE BANK X Authorized Signer INER PAp l?,liq, W. S.fa.g.0? Cap. W WY INM? ttlMeR, FL 1Yn. loot. N NpM" WwN .IR MYNCRVIMFCiNPIWO.iC 1R ?1f3 YR.CannR! t ;f; t. l:. 31-: 3 lr 4 :USINESS LOAN AGREEME r PY140pal tnoa'n 04tt3' (Maturity L606 NO Call / Coll Account 0"re?r jMIMS $440060.00'; 02-06.2004 02-10.2024-- ti30QQ301 63000301 DWI. References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular loan or item. Any item above containing """"" has been omitted due to text length limitations. Borrower: Richard D. Albertson (SSN: 018-54-2766) Lender: PENNSYLVANIA STATE BANK 132 Briar Patch Drive Carlisle Financial Center Carlisle, PA 17013 1 North Hanover Street Carlisle, PA 17013 (717) 243-3189 THIS BUSINESS LOAN AGREEMENT dated February 6, 2004, Is made and executed between Richard D. Albertson ("Borrower") and PENNSYLVANIA STATE BANK ("Lender") on the following terms and conditions. Borrower has received prior commercial loans from Lender or has applied to Lender for a commercial loan or loans or other financial accommodations, Including those which may be described on any exhibit or schedule attached to this Agreement ("Loan"). Borrower understands and agrees that: (A) in granting, renewing, or extending any Loan, Lender is relying upon Borrower's representations, warranties, and agreements as set forth In this Agreement; (B) the granting, renewing, or extending of any Loan by Lender at all times shall be subject to Lender's sole judgment and discretion; and (C) all such Loans shall be and remain subject to the terms and conditions of this Agreement. TERM. This Agreement shall be effective as of February 6, 2004, and shall continue in full force and effect until such time as-all of Borrower's Loans in favor of Lender have been paid in full, including principal, interest, costs, expenses, attorneys' fees, and other fees and charges, or until February 10, 2024. CONDITIONS PRECEDENT TO EACH ADVANCE. Lender's obligation to make the initial Advance and each subsequent Advance under this Agreement shall be subject to the fulfillment to Lender's satisfaction of all of the conditions set forth in this Agreement and in the Related Documents. Loan Documents. Borrower shall provide to Lender the following documents for the Loan: (1) the Note; (2) Security Agreements granting to Lender security interests in the Collateral; (3) financing statements and all other documents perfecting Lender's Security Interests; (4) evidence of insurance as required below; (5) guaranties; (6) together with all such Related Documents as Lender may require for the Loan; all in form and substance satisfactory to Lender and Lender's counsel. Payment of Fees and Expenses. Borrower shall have paid to Lender all fees, charges, and other expenses which are then due and payable as specified in this Agreement or any Related Document. Representations and Warranties. The representations and warranties set forth in this Agreement, in the Related Documents, and in any document or certificate delivered to Lender under this Agreement are true and correct. No Event of Default. There shall not exist at the time of any Advance a condition which would constitute an Event of Default under this Agreement or under any Related Document. REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to Lender, as of the date of this Agreement, as of the date of each disbursement of loan proceeds, as of the date of any renewal, extension or modification of any Loan, and at all times any Indebtedness exists: Organization. Borrower maintains an office at 132 Briar Patch Drive, Carlisle, PA 17013. Unless Borrower has designated otherwise in writing, the principal office is the office at which Borrower keeps its books and records including its records concerning the Collateral. Borrower will notify Lender prior to any change in the location of Borrower's principal office address or any-change in Borrower's name. Borrower shall do all things necessary to comply with all regulations, rules, ordinances, statutes, orders and decrees of any governmental or quasi-governmental authority or court applicable to Borrower and Borrower's business activities. Assumed Business Names. Borrower has filed or recorded all documents or filings required by law relating to all assumed business names used by Borrower. Excluding the name of Borrower, the following is a complete list of all assumed business names under which Borrower does business: None. Authorization. Borrower's execution, delivery, and performance of this Agreement and all the Related Documents have been duly authorized by all necessary action by Borrower and do not conflict with, result in a violation of, or constitute a default under (1) any provision of any agreement or other instrument binding upon Borrower or (2) any law, governmental regulation, court decree, or order applicable to Borrower or to Borrower's properties. Financial Information. Each of Borrower's financial statements supplied to Lender truly and completely disclosed Borrower's financial condition as of the date of the statement, and there has been no material adverse change in Borrower's financial condition subsequent to the date of the most recent financial statement supplied to Lender. Borrower has no material contingent obligations except as disclosed in such financial statements. Legal Effect. This Agreement constitutes, and any instrument or agreement Borrower is required to give under this Agreement when delivered will constitute legal, valid, and binding obligations of Borrower enforceable against Borrower in accordance with their respective terms. Properties. Except as contemplated by this Agreement or as previously disclosed in Borrower's financial statements or in writing to Lender and as accepted by Lender, and except for property tax liens for taxes not presently due and payable, Borrower owns and has good tore to all of Borrower's properties free and clear of all Security Interests, and has riot executed any security documents or financing statements relating to such properties. All of Borrower's properties are titled in Borrower's legal name, and Borrower has not used or filed a financing statement under any other name for at least the last five (5) years. Hazardous Substances. Except as disclosed to and acknowledged by Lender in writing, Borrower represents and warrants that: (1) During the period of Borrower's ownership of Borrower's Collateral, there has been no use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance by any person on, under, about or from any of the Collateral. (2) Borrower has no knowledge of, or reason to believe that there has been (a) any breach or violation of any Environmental taws; (b) any use, generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance on, under, about or from the Collateral by any prior owners or occupants of any of the Collateral; or (c) any actual or threatened litigation or claims of any kind by any person relating to such matters. (3) Neither Borrower nor any tenant, contractor, agent or other authorized user of any of the Collateral shall use, generate, manufacture, store, treat, dispose of or release any Hazardous Substance on, under, about or from any of the Collateral; and any such activity shall be conducted in compliance with all applicable federal, state, and local laws, regulations, and ordinances, including without limitation all Environmental Laws. Borrower authorizes Lender and its agents to enter upon the Collateral to make such inspections and tests as Lender may deem appropriate to determine compliance of the Collateral with this section of the Agreement. Any inspections or tests made by Lender shall be at Borrower's expense and for Lender's purposes only and shall not be construed to create any responsibility or liability on the part of Lender to Borrower or to any other person. The representations and warranties contained herein are based on Borrower's due diligence in investigating the Collateral for hazardous waste and Hazardous Substances. Borrower hereby (1) releases and waives any future claims against Lender for indemnity or contribution in the event Borrower becomes liable for cleanup or other casts under any such laws, and (2) agrees to indemnify and hold harmless Lender against any and all claims, losses, liabilities, damages, penalties, and expenses which Lender may directly or indirectly sustain or suffer resulting from a breach of this section of the Agreement or as a consequence of any use, generation, manufacture, storage, disposal, release or threatened release of a hazardous waste or substance on the Collateral. The provisions of this section of the Agreement, including the obligation to indemnity, shall survive the payment of the Indebtedness and the termination, expiration or satisfaction of this Agreement and shall not be affected by Lender's acquisition of any interest in any of the Collateral, whether by foreclosure or otherwise. Litigation and Claims. No litigation, claim, investigation, administrative proceeding or similar action (including those for unpaid taxes) against Borrower is pending or threatened, and no other event has occurred which may materially adversely affect Borrower's financial condition or properties, other than litigation, claims, or other events, it any, that have been disclosed to and acknowledged by Lender in writing. Taxes. To the best of Borrower's knowledge, all of Borrower's tax returns and reports that are or were required to be filed, have been tiled, and all taxes, assessments and other governmental charges have been paid in full, except those presently being or to be contested by Borrower in good faith in the ordinary course of business and for which adequate reserves have been provided. Lien Priority. Unless otherw' riling, Borrower has not entered into or granted any Security Agreements, or permitted the filing or attach ffecting any of the Collateral directly or indirectly securing repayment of Borrower's Loan and Note, t way be superior to Lender's Security Interests and rights in and to such Collateral. Binding Effect. This Agree (if any), and all Related Documents are binding upon the signers thereof, as well as upon their successors ally enforceable in accordance with their respective terms. AFFIRMATIVE COVENANTS. Bo r that, so long as this Agreement remains in effect, Borrower will: ' BUSINESS LOAN AGREEMENT Loan No: 63000301 (Continued) Page 2 Notices of Claims and Litigation. Promptly Inform Lender in writing of (1) all material adverse changes in Borrower's financial condition, and (2) all existing and all threatened litigation, claims, investigations, administrative proceedings or similar actions affecting Borrower or any Guarantor which could materially affect the financial condition of Borrower or the financial condition of any Guarantor. Financial Records. Maintain its books and records in accordance with GAAP, applied on a consistent basis, and permit Lender to examine and audit Borrower's books and records at all reasonable times. Financial Statements. Furnish Lender with the following: Annual Statements. As soon as available, but in no event later than one-hundred-twenty (120) days after the end of each fiscal year, Borrower's balance sheet and income statement for the year ended, compiled by a certified public accountant satisfactory to Lender. All financial reports required to be provided under this Agreement shall be prepared in accordance with GAAP, applied on a consistent basis, and certified by Borrower as being true and correct. Additional Information. Furnish such additional information and statements, as Lender may request from time to time. Insurance. Maintain fire and other risk insurance, public liability insurance, and such other insurance as Lender may require with respect to Borrower's properties and operations, in form, amounts, coverages and with insurance companies acceptable to Lender. Borrower, upon request of Lender, will deliver to Lender from time to time the policies or certificates of insurance in form satisfactory to Lender, including stipulations that coverages will not be cancelled or diminished without at least ten (10) days prior written notice to Lender. Each insurance policy also shall include an endorsement providing that coverage In favor of Lender will not be impaired in any way by any act, omission or default of Borrower or any other person. In connection with all policies covering assets in which Lender holds or is offered a security interest for the Loans, Borrower will provide Lender with such lender's loss payable or other endorsements as Lender may require. Insurance Reports. Furnish to Lender, upon request of Lender, reports on each existing insurance policy showing such information as Lender may reasonably request, including without limitation the following: (1) the name of the insurer; (2) the risks insured; (3) the amount of the policy; (4) the properties insured; (5) the then current property values on the basis of which insurance has been obtained, and the manner of determining those values; and (6) the expiration date of the policy. In addition, upon request of Lender (however not more often than annually), Borrower will have an independent appraiser satisfactory to Lender determine, as applicable, the actual cash value or replacement cost of any Collateral. The cost of such appraisal shall be paid by Borrower. Guaranties. Prior to disbursement of any Loan proceeds, furnish executed guaranties of the Loans in favor of Lender, executed by the guarantor named below, on Lender's forms, and in the amount and under the conditions set forth in those guaranties. Name of Guarantor Amount Anne M. Albertson "$140,000.00 Other Agreements. Comply with all terms and conditions of all other agreements, whether now or hereafter existing, between Borrower and any other party and notify Lender immediately in writing of any default in connection with any other such agreements. Loan Proceeds. Use all Loan proceeds solely for Borrower's business operations, unless specifically consented to the contrary by Lender in writing. Taxes, Charges and Liens. Pay and discharge when due all of its indebtedness and obligations, including without limitation all assessments, taxes, governmental charges, levies and liens, of every kind and nature, imposed upon Borrower or its properties, income, or profits, prior to the date on which penalties would attach, and all lawful claims that, if unpaid, might become a lien or charge upon any of Borrower's properties, income, or profits. Performance. Perform and comply, in a timely manner, with all terms, conditions, and provisions set forth in this Agreement, in the Related Documents, and in all other instruments and agreements between Borrower and Lender. Borrower shall notify Lender immediately in writing of any default in connection with any agreement. Operations. Maintain executive and management personnel with substantially the same qualifications and experience as the present executive and management personnel; provide written notice to Lender of any change in executive and management personnel; conduct its business affairs In a reasonable and prudent manner. Environmental Studies. Promptly conduct and complete, at Borrower's expense, all such investigations, studies, samplings and testings as may be requested by Lender or any governmental authority relative to any substance, or any waste or by-product of any substance defined as toxic or a hazardous substance under applicable federal, state, or local law, rule, regulation, order or directive, at or affecting any property or any facility owned, leased or used by Borrower. Compliance with Governmental Requirements. Comply with all laws, ordinances, and regulations, now or hereafter in effect, of all governmental authorities applicable to the conduct of Borrower's properties, businesses and operations, and to the use or occupancy of the Collateral, including without limitation, the Americans With Disabilities Act. Borrower may contest in good faith any such law, ordinance, or regulation and withhold compliance during any proceeding, including appropriate appeals, so long as Borrower has notified Lender in writing prior to doing so and so long as, in Lender's sole opinion, Lender's interests in the Collateral are not jeopardized. Lender may require Borrower to post adequate security or a surety bond, reasonably satisfactory to Lender, to protect Lender's interest. Inspection. Permit employees or agents of Lender at any reasonable time to inspect any and all Collateral for the Loan or Loans and Borrower's other properties and to examine or audit Borrower's books, accounts, and records and to make copies and memoranda of Borrower's books, accounts, and records. If Borrower now or at any time hereafter maintains any records (including without limitation computer generated records and computer software programs for the generation of such records) in the possession of a third party, Borrower, upon request of Lender, shall notify such party to permit Lender free access to such records at all reasonable times and to provide Lender with copies of any records it may request, all at Borrower's expense. Compliance Certificates. Unless waived in writing by Lender, provide Lender at least annually, with a certificate executed by Borrower's chief financial officer, or other officer or person acceptable to Lender, certifying that the representations and warranties set forth in this Agreement are true and correct as of the dale of the certificate and further certifying that, as of the date of the certificate, no Event of Default exists under this Agreement. - Environmental Compliance and Reports. Borrower shall comply in all respects with any and all Environmental Laws; not cause or permit to exist, as a result of an intentional or unintentional action or omission on Borrower's part or on the part of any third party, on property owned and/or occupied by Borrower, any environmental activity where damage may result to the environment, unless such environmental activity is pursuant to and in compliance with the conditions of a permit issued by the appropriate federal, state or local governmental authorities; shall furnish to Lender promptly and in any event within thirty (30) days after receipt thereof a copy of any notice, summons, lien, citation, directive, letter or other communication from any governmental agency or instrumentality concerning any intentional or unintentional action or omission on Borrower's part in connection with any environmental activity whether or not there is damage to the environment and/or other natural resources. - r Wk- m l Printer such oromissorv notes, mortgages, deeds of trust, security agreements, • r '. BUSINESS LOAN AGREEMEN, Loan No: 63000301 (Continued) Page 3 out of the ordinary course of business. Loans, Acquisitions and Guaranties. (1) Loan, invest In or advance money or assets to any other person, enterprise or entity, (2) purchase, create or acquire any interest in any other enterprise or entity, or (3) incur any obligation as surety or guarantor other than in the ordinary course of business. Agreements. Borrower will not enter into any agreement containing any provisions which would be violated or breached by the performance of Borrower's obligations under this Agreement or in connection herewith. CESSATION OF ADVANCES. If Lender has made any commitment to make any Loan to Borrower, whether under this Agreement or under any other agreement, Lender shall have no obligation to make Loan Advances or to disburse Loan proceeds if: (A) Borrower or any Guarantor is in default under the terms of this Agreement or any of the Related Documents or any other agreement that Borrower or any Guarantor has with Lender; (B) Borrower or any Guarantor dies, becomes incompetent or becomes insolvent, files a petition in bankruptcy or similar proceedings, or is adjudged a bankrupt; (C) there occurs a material adverse change in Borrower's financial condition, in the financial condition of any Guarantor, or in the value of any Collateral securing any Loan; or (D) any Guarantor seeks, claims or otherwise attempts to limit, modify or revoke such Guarantor's guaranty of the Loan or any other loan with Lender; or (E) Lender in good faith deems itself insecure, even though no Event of Default shall have occurred. RIGHT OF SETOFF, To the extent permitted by applicable law, Lender reserves a right of setoff in all Borrower's accounts with Lender (whether checking, savings, or some other account). This includes all accounts Borrower holds jointly with someone else and all accounts Borrower may open in the future. However, this does not include any IRA or Keogh accounts, or any trust accounts for which setoff would be prohibited by law. Borrower authorizes Lender, to the extent permitted by applicable law, to charge or setoff all sums owing on the Indebtedness against any and all such accounts. DEFAULT. Each of the following shall constitute an Event of Default under this Agreement: Payment Default Borrower fails to make any payment when due under the Loan. Other Defaults. Borrower fails to comply with or to perform any other term, obligation, covenant or condition contained in this Agreement or in any of the Related Documents or to comply with or to perform any term, obligation, covenant or condition contained in any other agreement between Lender and Borrower. Environmental Default. Failure of any party to comply with or perform when due any term, obligation, convenant or condition contained in any environmental agreement executed in connection with any Loan. False Statements. Any warranty, representation or statement made or furnished to Lender by Borrower or on Borrower's behalf under this Agreement or the Related Documents is false or misleading in any material respect, either now or at the time made or furnished or becomes false or misleading at any time thereafter. Death or Insolvency. The death of Borrower or the dissolution or termination of Borrower's existence as a going business, the insolvency of Borrower, the appointment of a receiver for any part of Borrower's property, any assignment for the benefit of creditors, any type of creditor workout, or the commencement of any proceeding under any bankruptcy or insolvency laws by or against Borrower. Defective Collaterallzation. This Agreement or any of the Related Documents ceases to be in full force and effect (including failure of any collateral document to create a valid and perfected security interest or lien) at any time and for any reason. Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture proceedings, whether by judicial proceeding, self-help, repossession or any other method, by any creditor of Borrower or by any governmental agency against any collateral securing the Loan. This includes a garnishment of any of.Borrower's accounts, including deposit accounts, with Lender. However, this Event of Default shall not apply if there is a good faith dispute by Borrower as to the validity or reasonableness of the claim which is the basis of the creditor or forfeiture proceeding and if Borrower gives Lender written notice of the creditor or forfeiture proceeding and deposits with Lender monies or a surety bond for the creditor or forfeiture proceeding, in an amount determined by Lender, in Its We discretion, as being an adequate reserve or bond for the dispute. Events Affecting Guarantor. Any of the preceding events occurs with respect to any Guarantor of any of the Indebtedness or any Guarantor dies or becomes incompetent, or revokes or disputes the validity of, or liability under, any Guaranty of the Indebtedness. In the event of a death, Lender, at its option, may, but shall not be required to, permit the Guarantor's estate to assume unconditionally the obligations arising under the guaranty in a manner satisfactory to Lender, and, in doing so, cure any Event of Default. Adverse Change. A material adverse change occurs in Borrower's financial condition, er Insecurity. Lender in good faith believes itself insecure. Right to Cure. It any default, other than a default on Indebtedness, is curable and if Borrower or Grantor, as the case may be, has not been given a notice of a similar default within the preceding twelve (12) months, it may be cured (and no Event of Default will have occurred) it Borrower or Grantor, as the case may be, after receiving written notice from Lender demanding cure of such default: (1) cure the default within fifteen (15) days; or (2) if the cure requires more than fifteen (15) days, immediately initiate steps which Lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continue a complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. V EFFECT OF AN EVENT OF DEFAULT If any EEvent of Default shall occur, except where otherwise provided in this Agreement or the Related Documents, all commitments and obl1 ions of L?1rder under this Agreement or the Related Documents or any other agreement Immediately will terminate (including any obligation to aka further Loan Advances or disbursements), and, at Lender's option, all Indebtedness immediately will become due and payable, all wftho* notice eFai41 1 ind to Borrower, except that in the case of an Event of Default of the type described in the "Insolvency" subsection above, such acceleration shall be automatic and not optional. In addition, Lender shall have all the rights and remedies provided In the Related Documents or available at law, in equity, or otherwise. Except as may be prohibited by applicable law, all of Lender's rights and remedies shall be cumulative and may be exercised singularly or concurrently. Electron by Lender to pursue any remedy shall not exclude pursuit of any other remedy, and an election to make expenditures or to take action to perform an obitgation of Borrower or of any Grantor shall not affect Lender's right to declare a default and to exercise its rights and remedies. DEFAULT INTEREST RATE. In the event of default for which Lender does not accelerate the Loan, including the failure of Borrower to provide the financial statements as required hereunder or under the Loan Agreement, the applicable interest rate on the Loan, for a period beginning three (3) days after written notice of such default and ending upon the curing of said noticed default, shall increase one quarter of one percent (.25%) for the first thirty (30) days of said default and increase an additional one quarter of one percent (.25%) during each thirty (30) day period thereafter during which the noticed default continues. Such default interest rate shall apply to the outstanding principal balance of the Loan. Upon the curing of the noticed default, the interest rate on the Loan shall revert to the initially agreed-upon interest rate effective on the date on which default is cured. LOAN DOCUMENTS. This Note, the Mortgage and Security Agreement, the related collateral documents, Lender's commitment letter to Borrower dated January 29, 2004, are referred to herein collectively as the "Loan Documents", and the provisions thereof are incorporated herein by reference. MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of this Agreement: Amendments. This Agreement, together with any Related Documents, constitutes the entire understanding and agreement of the parties as to the matters set forth in this Agreement. No alteration of of amendment to this Agreement stall be effective unless given in writing and signed by the party or parties sought to be charged or bound by the alteration or amendment. Attorneys' Fees; Expenses. Borrower agrees to pay upon demand all of Lender's costs and expenses, including Lender's attorneys' fees and Lender's legal expenses, incurred in connection with the enforcement of this Agreement. Lender may hire or pay someone else to help enforce this Agreement, and Borrower shall pay the costs and expenses of such enforcement. Costs and expenses include Lender's attorneys' fees and legal expenses whether or not there is a lawsuit, including attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. Borrower also shall pay all court costs and such additional fees as may be directed by the court. Caption Headings. Caption headings in this Agreement are for convenience purposes only and are not to be used to interpret or define the provisions of this Agreement. Consent to Loan Participation. Borrower agrees and consents to Lender's sale or transfer, whether now or later, of one or more participation interests in the Loan to one or more purchasers, whether related or unrelated to Lender. Lender may provide, without any limitation whatsoever, to any one or more purchasers, or potential purchasers, any information or knowledge Lender may have about Borrower or about any other matter relating to the Loan, and Borrower hereby waives any rights to privacy Borrower may have with respect to such matters. Borrower additionally waives any and all notices of sale of participation interests, as well as all notices of any repurchase of such participation interests. Borrower also agrees that the purchasers of any such participation Interests will be considered as the absolute owners of such interests in the Loan and will have all the rights granted under the participation agreement or agreements governing the sale of such participation interests. Borrower further waives all rights of offset or counterclaim that it may have now or later against Lender or against any purchaser of such a participation interest and unconditionally agrees that either Lender or such purchaser may enforce Borrower's obligation under the Loan irrespective of the failure or insolvency of any holder of any interest in the Loan. Borrower further agrees that the purchaser of any such participation interests may enforce its BUSINESS LOAN AGREEMENT Loan No: 63000301 (Continued) Page 4 interests irrespective of any personal claims or defenses that Borrower may have against Lender. Governing Law. This Agreement will be governed by, construed and enforced In accordance with federal law.and the laws of the Commonwealth of Pennsylvania. This Agreement has been accepted by Lender in the Commonwealth of Pennsylvania. No Waiver by Lender. Lender shall not be deemed to have waived any rights under this Agreement unless such waiver is given in writing and signed by Lender. No delay or omission on the part of Lender in exercising any right shall operate as a waiver of such right or any other right. A waiver by Lender of a provision of this Agreement shall not prejudice or constitute a waiver of Lender's right otherwise to demand strict compliance with that provision or any other provision of this Agreement. No prior waiver by Lender, nor any course of dealing between Lender and Borrower, or between Lender and any Grantor, shall constitute a waiver of any of Lender's rights or of any of Borrower's or any Grantor's obligations as to any future transactions. Whenever the consent of Lender is required under this Agreement, the granting of such consent by Lender in any Instance shall not constitute continuing consent to subsequent instances where such consent is required and in all cases such consent may be granted or withheld in the sole discretion of Lender. Notices. Unless otherwise provided by applicable law, any notice required to be given under this Agreement shall be given in writing, and shall be effective when actually delivered, when actually received by telefacsimile (unless otherwise required by law), when deposited with a nationally recognized overnight courier, or, if mailed, when deposited in the United States mail, as first class, certified or registered mail postage prepaid, directed to the addresses shown near the beginning of this Agreement. Any party may change its address for notices under this Agreement by giving formal written notice to the other parties, specifying that the purpose of the notice is to change the party's address. For notice purposes, Borrower agrees to keep Lender Informed at all times of Borrower's current address. Unless otherwise provided by applicable law, If there is more than one Borrower, any notice given by Lender to any Borrower is deemed to be notice given to all Borrowers. Severabllity. If a court of competent jurisdiction finds any provision of this Agreement to be illegal, invalid, or unenforceable as to any circumstance, that finding shall not make the offending provision illegal, invalid, or unenforceable as to any other circumstance. If feasible, the offending provision shall be considered modified so that it becomes legal, valid and enforceable. If the offending provision cannot be so modified, it shall be considered deleted from this Agreement. Unless otherwise required by law, the illegality, invalidity, or unenforceability of any provision of this Agreement shall not affect the legality, validity or enforceability of any other provision of this Agreement. Successors and Assigns. All covenants and agreements by or on behalf of Borrower contained in this Agreement or any Related Documents shall bind Borrower's successors and assigns and shall inure to the benefit of Lender and its successors and assigns. Borrower shall not, however, have the right to assign Borrower's rights under this Agreement or any interest therein, without the prior written consent of Lender. Survival of Representations and Warranties. Borrower understands and agrees that in making the Loan, Lender is relying on all representations, warranties, and covenants made by Borrower in this Agreement or in any certificate or other instrument delivered by Borrower to Lender under this Agreement or the Related Documents. Borrower further agrees that regardless of any investigation made by Lender, all such representations, warranties and covenants will survive the making of the Loan and delivery to Lender of the Related Documents, shall be continuing in nature, and shalt'remain in full force and effect until such time as Borrower's Indebtedness shall be paid in full, or until this Agreement shall be terminated in the manner provided above, whichever is the last to occur. Time Is of the Essence. Time is of the essence in the performance of this Agreement. DEFINITIONS. The following capitalized words and terms shall have the following meanings when used in this Agreement. Unless specifically stated to the contrary, all references to dollar amounts shall mean amounts In lawful money of the United States of America. Words and terms used in the singular shall include the plural, and the plural shall include the singular, as the context may require. Words and terms not otherwise defined in this Agreement shall have the meanings attributed to such terms in the Uniform Commercial Code. Accounting words and terms not otherwise defined in this Agreement shall have the meanings assigned to them in accordance with generally accepted accounting principles as in effect on the date of this Agreement: Advance. The word "Advance" means a disbursement of Loan funds made, or to be made, to Borrower or on Borrower's behalf on a line of credit or multiple advance basis under the terms and conditions of this Agreement. Agreement. The word "Agreement" means this Business Loan Agreement, as this Business Loan Agreement may be amended or modified from time to time, together with all exhibits and schedules attached to this Business Loan Agreement from time to time. Borrower. The word "Borrower" means Richard D. Albertson and includes all co-signers and co-makers signing the Note. Collateral. The word "Collateral" means all property and assets granted as collateral security for a Loan, whether real or personal property, whether granted directly or indirectly, whether granted now or in the future, and whether granted in the form of a security interest, mortgage, collateral mortgage, deed of trust, assignment, pledge, crop pledge, chattel mortgage, collateral chattel mortgage, chattel trust, factor's lien, equipment trust, conditional sale, trust receipt, lien, charge, lien or title retention contract, lease or consignment intended as a security device, or any other security or lien interest whatsoever, whether created by law, contract, or otherwise. Environmental Laws. The words "Environmental Laws" mean any and all state, federal and local statutes, regulations and ordinances relating to the protection of human health or the environment, including without limitation the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the Superfund Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA"), the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, at seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 6901, at seq., or other applicable state or federal laws, rules, or regulations adopted pursuant thereto. Event of Default. The words "Event of Default' mean any of the events of default set forth in this Agreement in the default section of this Agreement. GAAP. The word 'GAAP" means generally accepted accounting principles. Grantor. The word "Grantor" means each and all of the persons or entities granting a Security Interest in any Collateral for the Loan, including without limitation all Borrowers granting such a Security Interest. Guarantor. The word "Guarantor" means any guarantor, surety, or accommodation party of any or all of the Loan. Guaranty. The word "Guaranty" means the guaranty from Guarantor to Lender, including without limitation a guaranty of all or part of the Note. Hazardous Substances. The words "Hazardous Substances" mean materials that, because of their quantity, concentration or physical, chemical or infectious characteristics, may cause or pose a present or potential hazard to human health or the environment when improperly used, treated, stored, disposed of, generated, manufactured, transported or otherwise handled. The words "Hazardous Substances" are used in their very broadest sense and include without limitation any and all hazardous or toxic substances, materials or waste as defined by or listed under the Environmental Laws. The term "Hazardous Substances" also includes, without limitation, petroleum and petroleum by-products or any fraction thereof and asbestos. Indebtedness. The word "Indebtedness" means a Note from Richard D. Albertson dated February 6, 2004.. Lender. The word "Lender" means PENNSYLVANIA STATE BANK, its successors and assigns. Loan. The word "Loan" means any and all loans and financial accommodations from Lender to Borrower whether now or hereafter existing, and however evidenced, including without limitation those loans and financial accommodations described herein or described on any exhibit or schedule attached to this Agreement from time to time. Note. The word "Note" means the Note executed by Richard D. Albertson in the principal amount of $140,000.00 dated February 6, 2004, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of, and substitutions for the note or credit agreement. Permitted Liens. The words "Permitted Liens" mean (1) liens and security interests securing Indebtedness owed by Borrower to Lender; (2) liens for taxes, assessments, or similar charges either not yet due or being contested in good faith; (3) liens of materialmen, mechanics, warehousemen, or carriers, or other like liens arising in the ordinary course of business and securing obligations which are not yet delinquent; (4) purchase money liens or purchase money security interests upon or in any property acquired or held by Borrower in the ordinary course of business to secure indebtedness outstanding on the date of this Agreement or permitted to be incurred under the paragraph of this Agreement titled "Indebtedness and Liens"; (5) liens and security interests which, as of the date of this Agreement, have been disclosed to and approved by the Lender in writing; and (6) those liens and security interests which in the aggregate constitute an immaterial and insignificant monetary amount with respect to the net value of Borrower's assets. Related Documents. The words "Related Documents" mean all promissory notes, credit agreements, loan agreements, environmental agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other instruments, agreements and documents, whether now or hereafter existing, executed in connection with the Loan. Security Agreement. The words "Security Agreement" mean and include without limitation any agreements, promises, covenants, arrangements, understandings or other agreements, wF^•her created by law, contract, or otherwise, evidencing governing, representing, or creating a Security Interest. Security Interest. The words "Security Interest" mean, without limitation, any and all types of collateral security, present and future, whether in the 1 A BUSINESS LOAN AGREEMEN'. Loan No: 63000301 (Continued) Page 5 form of a lien, charge, encumbrance, mortgage, deed of trust, security deed, assignment, pledge, crop pledge, chattel mortgage, collateral chattel mortgage, chattel trust, factor's lien, equipment trust, conditional sale, trust receipt, lien or title retention contract, lease or consignment intended as a security device, or any other security or lien interest whatsoever whether created by law, contract, or otherwise. BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN AGREEMENT AND BORROWER AGREES TO ITS TERMS. THIS BUSINESS LOAN AGREEMENT IS DATED FEBRUARY 6, 2004. THIS AGREEMENT IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS AGREEMENT IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW. BORROWER: X n T -Ij 29 (Seal) Richard D. Albertson LENDER: PENNSYLVANIA STATE BANK By:? (Seal) Authorized Signer IKEP Pf1O l,Miq.Vr6-U.A.poY Cap. WIM Pwr+W edJb,,, b.,wi. IOW. MMM,Rrrrl .P?M:uNEmWNLFWI?Ca.R TMT!]PRLarRE -7 osoFt ., Sterling Financial ... Sterling Rnanai i :.. Sterling'Fiiandal CEmployee Search „. I( Comprehensive... « 10:28 AM MqR-20-2077 79:32 DOCUMENTPTION VERIFICATION 717 735 4864 P.02i03 I, DAVID W. PREVOST, Vice-Presided(Specist Assets OfScer, of PENNSYLVANIA STATE HANK, verify that the statements made in theaforegoing Complaint in Foreclosure are trim and cornea. I understand that false statements hotin.am made subject to the penalties of t8 Pa. C. S. §4904, relating to unsaora falsification to a dhoorities. MNSYLVAMA. ATE BANK f off P. -LF IV 1. - . Ulf David W. Prevost Vice-President/Special Assets Officer Dated: 3 ' 4 3070051NK F:1USERaONNIFao\rsB?FMCL\AHwn oe \mno - mete stwpd_-oaM"7 TOTAL P-14 r 70 T 0(-) J6 PENNSYLVANIA STATE BANK Plaintiff V. RICHARD D. ALBERTSON and ANNE M.ALBERTSON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-1538 CIVIL TERM CIVIL DIVISION - LAW : IN MORTGAGE FORECLOSURE TO: PROTHONOTARY, COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PRAECIPE FOR DEFAULT JUDGMENT Enter judgment in favor of Plaintiff and against Defendant(s), RICHARD D. ALBERTSON and ANNE M. ALBERTSON, named for failure to file within the required time an Answer to the Complaint in Mortgage Foreclosure in the above-captioned case and assess the Plaintiffs damages as follows: Amount claimed in Plaintiffs Complaint $162,117.37 Interest at the rate of 7.50% per annum from February 21, 2007 $2,279.76 Total $164,397.13 It is hereby certified that a written notice of intention to file this Praecipe was mailed to the Defendant(s) and his/her attorney of record, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. See Exhibits A & B attached. KODAK & , P.C. B ?` bq Robert D. Kodak, Attorney for Plaintiff DATED: ?? Judgment entered and damages assessed as above. Pro onotary LAW OFFICES OF KODAK & IMBLUM, P.C. Robert D. Kodak CAMERON MANSION Gary J. Imblum 407 NORTH FRONT STREET POST OFFICE BOX 11848 HARRISBURG, PA 17108-1848 kki.law@verizon.net April 17, 2007 RICHARD D ALBERTSON 132 BRIAR PATCH DRIVE CARLISLE PA 17013 FIB Y ?e l ChQY 717.238.7159 Facsimile 717.238.7158 RE: Pennsylvania State Bank VS: Richard D. and Anne M. Albertson No. 07-1538 Civil, Court of Common Pleas Cumberland County, Pennsylvania (In Mortgage Foreclosure) Property Address: One East Main Street, New Kingstown, PA Our File No. 3-07-0051 Dear Mr. Albertson: In accordance with Pennsylvania Rules of Civil Procedure 237.1(a)(2), we are enclosing herewith a Notice of a Praecipe to Enter Judgment by Default. According to the records as they are found in the Office of the Prothonotary of Cumberland County, you have not filed responsive pleadings to the Complaint in Mortgage Foreclosure filed against you to the above term and number, nor has any attorney entered an appearance on your behalf. Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do not take action as set forth in this Notice, we, at the expiration of time indicated therein, will request the Office of the Prothonotary of Cumberland County, to enter Judgment against you in the amount as set forth in said Complaint. Very truly yours, KODAK & IMBLUM, P.C. Robert D. Kodak THIS LETTER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE RDK/kqb enclosure cc: BRETT A BERTOLI ASST VP SPECIAL ASSETS OFFICER STERLING FINANCIAL CORP POST OFFICE BOX 38 EAST PETERSBURG PA 17520-0038 A FILE COPY PENNSYLVANIA STATE BANK IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. : NO. 07-1538 CIVIL TERM RICHARD D. ALBERTSON and ANNE CIVIL DIVISION - LAW M. ALBERTSON Defendants : IN MORTGAGE FORECLOSURE E%IPORTANT NOTICE TO: RICHARD D. ALBERTSON, Defendant(s) DATE OF NOTICE: APRIL 17, 2007 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 LAW OFFICES OF KODAK & IMBLUM, P.C. Robert D. Kodak CAMERON MANSION Gary J. bnblum 407 NORTH FRONT STREET POST OFFICE BOX 11848 HARRISBURG, PA 17108-1848 kki.law®verizon.net April 17, 2007 ANNE M ALBERTSON 132 BRIAR PATCH DRIVE CARLISLE PA 17013 RE: Pennsylvania State Bank VS: Richard D. and Anne M. Albertson FILE e $.F 5 Facsimile 717.238.7158 No. 07-1538 Civil, Court of Common Pleas Cumberland County, Pennsylvania (In Mortgage Foreclosure) Property Address: One East Main Street, New Kingstown, PA Our File No. 3-07-0051 Dear Ms. Albertson: In accordance with Pennsylvania Rules of Civil Procedure 237.1(a)(2), we are enclosing herewith a Notice of a Praecipe to Enter Judgment by Default. According to the records as they are found in the Office of the Prothonotary of Cumberland County, you have not filed responsive pleadings to the Complaint in Mortgage Foreclosure filed against you to the above term and number, nor has any attorney entered an appearance on your behalf. Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do not take action as set forth in this Notice, we, at the expiration of time indicated therein, will request the Office of the Prothonotary of Cumberland County, to enter Judgment against you in the amount as set forth in said Complaint. Very truly yours, KODAK & IMBLUM, P.C. Robert D. Kodak THIS LETTER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE RDK/kqb enclosure cc: BRETT A BERTOLI ASST VP SPECIAL ASSETS OFFICER STERLING FINANCIAL CORP ?¦ POST OFFICE BOX 38 EAST PETERSBURG PA 17520-003 FILE Copy PENNSYLVANIA STATE BANK IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. : NO. 07-153 8 CIVIL TERM RICHARD D. ALBERTSON and ANNE CIVIL DIVISION - LAW M. ALBERTSON Defendants : IN MORTGAGE FORECLOSURE IMPORTANT NOTICE TO: ANNE M. ALBERTSON, Defendant(s) DATE OF NOTICE: APRIL 17, X2007 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOURDEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP: CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 © iV/ jj PENNSYLVANIA STATE BANK Plaintiff v. RICHARD D. ALBERTSON and ANNE M.ALBERTSON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 07-1538 CIVIL TERM CIVIL DIVISION - LAW IN MORTGAGE FORECLOSURE TO: RICHARD D. ALBERTSON, Defendant(s) You are hereby notified that on 1 _ • L !qv .2- , 2067the following (judgment) has been entered against you in the above-captioned case. Tudgment entered in the amount of $164,397.13. DATE: Pr thonota I hereby certify that the name and address of the proper person(s) to receive this notice is: RICHARD D ALBERTSON 132 BRIAR PATCH DRIVE CARLISLE PA 17013 PENNSYLVANIA STATE BANK Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA V. RICHARD D. ALBERTSON and ANNE M.ALBERTSON Defendants NO. 07-1538 CIVIL TERM CIVIL DIVISION - LAW IN MORTGAGE FORECLOSURE TO: ANNE M. ALBERTSON, Defendant(s) You are hereby notified that on MCC, V g- , 2Wthe following (Judgment) has been entered against you in the above-captioned case. Tudgment entered in the amount of $164,397.13. DATE: S&L 16 2 othonota I hereby certify that the name and address of the proper person(s) to receive this notice is: ANNE M. ALBERTSON 132 BRIAR PATCH DRIVE CARLISLE PA 17013 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PRAECIPE FOR WRIT OF EXECUTION Caption: PENNSYLVANIA STATE BANK Plaintiff VS. RICHARD D. ALBERTSON and ANNE M. ALBERTSON Defendants El Confessed Judgment ® Other: IN MORTGAGE FORECLOSURE File No. 07-1538 CIVIL Amount Due $ 164,397.13 Interest (from date of Judgment na 7.500%) Atty's Comm $ Costs $ TO THE PROTHONOTARY OF THE SAID COURT: The undersigned hereby certifies that the below does not arise out of a retail installment sale, or account based on a confession of judgment but if it does, it is based on the appropriate original proceeding filed pursuant to Act 7of 1966 as amended and for real property pursuant to Act 6 of 1974 as amended. Issue writ of execution in the above matter to the Sheriff of Cumberland County for debt; interest and costs upon the following described property of the defendant(s) Real property situate and known as One East Main Street (Village of New Kingstown) Township of Silver Spring, County of Cumberland, Tax Map No. 38-19-1621-082 PRAECIPE FOR ATTACHMENT EXECUTION Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above, directing attachment against the above-named garnishee(s) for the following property (if real estate, supply six copies of the description; supply four copies of lengthy personalty list) And all other property of the defendant(s) in the possession, custody or control of the said garnishee(s). 0 (Indicate) Index this writ against the garnishee(s) as a lis pendens against real estate of the defendant(s) described in the attached exhihit Date: Signature: Robert D. Kodak 407 North Front Street Post Office Box 11848 Harrisburg, PA 17108-1848 Attorney for Plaintiff 717.238.7152 Fax: 717.238.7158 email: robert.kodak@verizon.net Supreme Court I.D. No. 18041 ACC4. -4 TO 7 c o ?"r C o C C? d w < m WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 07-1538 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PENNSYLVANIA STATE BANK, Plaintiff (s) From RICHARD D. ALBERTSON AND ANNE M. ALBERSTON (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $164,397.13 L.L. $.50 Interest FROM DATE OF JUDGMENT @ 7.500% Atty's Comm % Due Prothy $2.00 Atty Paid $169.15 Other Costs Plaintiff Paid Date: MAY 30, 2007 (Seal) Curds R. Long, Prothonotary 4V O ° Milli Deputy REQUESTING PARTY: Name ROBERT D. KODAK, ESQUIRE Address: 407 NORTH FRONT STREET POST OFFICE BOX 11848 HARRISBURG, PA 17108-1848 Attorney for: PLAINTIFF Telephone: 717-238-7152 Supreme Court ID No. 18041 i so PENNSYLVANIA STATE BANK Plaintiff vs. RICHARD D. ALBERTSON and ANNE M. ALBERTSON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW IN MORTGAGE FORECLOSURE NO. 07-1538 CIVIL AFFIDAVIT PURSUANT TO RULE 3129.1 Cornerstone Federal Credit Union, Plaintiff in the above action, sets forth as of the date the issued Writ of Execution was filed, the following information concerning the real property located in the Village of New Kingston, Township of Silver Spring, Cumberland County, Pennsylvania, the same being more particularly described in Exhibit "A" attached. 1 2 3 4. Name and Address of Owners or Reputed Owners: Name Richard D. Albertson Anne M. Albertson Name and Address of Defendants in the judgment: Name Richard D. Albertson Anne M. Albertson Address 132 Briar Patch Road Carlisle, PA 17013 132 Briar Patch Road Carlisle, PA 17013 Address 132 Briar Patch Road Carlisle, PA 17013 132 Briar Patch Road Carlisle, PA 17013 Name and Address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Pennsylvania State Bank Address 2148 Market Street Camp Hill, PA 17011 Name and Address of the last recorded holder of every mortgage of record: Name Pennsylvania State Bank Address 2148 Market Street Camp Hill, PA 17011 Name and Address of every other person who has any record lien on their property: 5. Name Tax Claim Bureau Cumberland County Address Courthouse One Courthouse Square Carlisle, PA 17013 Name and Address of every other person who has any record interest in the property and whose interest may be affected by the sale: 6. Name Address Name and Address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: 7 Name Debra B. Wiest, Tax Collector Silver Spring Township Paul Conrad, et al. Krista Wetterhall, et al. Josh Baney, et al. Les Malseed, et al. Derek Steckline, et al. Wendy Lafontaine, et al. Address 269 Woods Drive Mechanicsburg, PA 17055 1 East Main Street #2 New Kingston, PA 17072 1 East Main Street #3 New Kingston, PA 17072 1 East Main Street #4 New Kingstown, PA 17072 1 East Main Street New Kingston, PA 17072 1 East Main Street New Kingston, PA 17072 1 East Main Street New Kingston, PA 17072 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge, information or belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to uns fals' cation to authorities. Dated: L Robert D. Kodak Kodak & Imblum, P.C. 407 North Front Street Post Office Box 11848 Harrisburg, PA 17108-1848 (717) 238-7152 Attorney I.D. No. 18041 Attorney for Plaintiff l x ' .+ co PENNSYLVANIA STATE BANK Plaintiff VS. RICHARD D. ALBERTSON and ANNE M.ALBERTSON Defendants F TAKE NOTICE: REAL ESTATE That the Sheriffs Sale of Real Property (real estate) will be held: DATE: Wednesday, September 5, 2007 TIME: 10:00 a, m., prevailing time LOCATION: Cumberland County Courthouse One Courthouse Square, Carlisle, PA 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mailing consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements on the land. (SEE DESCRIPTION ATTACHED) THE LOCAL of the property to be sold is: One East Main Street (New Kingstown), Township of Silver Spring, County of Cumberland THE JUDGMENT under or pursuant to which the property is being sold is docketed in the within Commonwealth and County to: No. 07-1538 Civil Term Court of Common Pleas, Cumberland County, PA IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -LAW IN MORTGAGE FORECLOSURE NO. 07-1538 CIVIL KODAK & IMBL by: Robert D. Kodak Attorney for Plaintiff G r-4 10 co LEGAL DESCRIPTION PREMISES KNOWN AS ONE EAST MAIN STREET (NEW KINGSTOWN), TOWNSHIP OF SILVER SPRING ALL THAT CERTAIN ALL THAT CERTAIN property in the Village of New Kingston, Silver Spring Township, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described in accordance with the survey made by Charles W. Junkins, Registered Surveyor, dated March 31, 1987, to wit: BEGINNING at a point in the East Bound Lane of Carlisle Pike, U.S. Route No. 11, which said point is 58.50 feet eastwardly from a point at the intersection of Carlisle Pike and Locust Point Road as shown on a "Map of Properties of Sara Snyder; Stanley Dye" attached hereto and made a part hereof, thence along lands now or formerly of Sara S. Snyder North 10 degrees35 minutes 10 seconds West, 89.14 feet to an iron pin; thence by same North 16 degrees 32 minutes 15 seconds West, 168.00 feet to an iron pin at a 14 feet wide alley; thence by said alley South 66 degrees 30 minutes West, 95.50 feet to a P.K. nail set on the Eastern line of Locust Point Road; thence along same South 23 degrees 03 minutes 50 seconds East, 240.68 feet to a point in the Carlisle Pike, U.S. Route No. 11; thence through said Carlisle Pike in an eastwardly direction by a curve to the left having a Radius of 1909.86 feet an arc distance of 58.50 feet to the point and Place of BEGINNING. HAVING THEREON erected a 21/2 story frame building known as 1 East Main Street, New Kingstown, Pennsylvania 17072, and identified as Tax Map No. 38-19-1621-082. TOGETHER with the right of the Grantees herein, their heirs and assigns, to the use of the said 14 feet wide alley in common with the owners of all the other real estate contiguous to said 14 feet wide alley for the purpose of ingress and egress. TOGETHER with the right and privilege of a sewer line as granted to Lloyd A. Bender and Alice H. Bender, his wife, by agreement with Nellie E. Hetrick, dated October 25, 1940, and recorded in Miscellaneous Book 73, Page 503. TOGETHER ALSO with the right and privilege of entering upon the lands of the owners of the land to the East hereof for maintenance and repair of the said sewer line. The expense of the maintenance of the portion of the sewer line used by both parties shall be divided equally between the parties. BEING THE SAME premises which Stanley N. Dye and Susan E. Dye, husband and wife, by their Deed dated February 5, 2004, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book No. 261 at Page 3263, granted and conveyed unto Richard D. Albertson and Anne M. Albertson. SHERIFF'S RETURN - REGULAR CAGE NO: 2007-01538 P t COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE BANK VS ALBERTSON RICHARD D ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ALBERTSON RICHARD D the DEFENDANT , at 2056:00 HOURS, on the 27th day of March , 2007 at 132 BRIAR PATCH ROAD CARLISLE, PA 17013 by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 5.76 Postage .39 Surcharge 10.00 .00 yJntijUl? 34.15 Sworn and Subscibed to before me this of day So Answers: R. Thomas Kline 03/29/2007 KODAK & IMBLUM By. epu We r A. D. SHERIFF'S RETURN - REGULAR CA:+3E NO: 2007-01538 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PENNSYLVANIA STATE BANK VS ALBERTSON RICHARD D ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon ALBERTSON ANNE M the DEFENDANT , at 2056:00 HOURS, on the 27th day of March , 2007 at 132 BRIAR PATCH ROAD CARLISLE, PA 17013 by handing to RICHARD ALBERTSON, HUSBAND a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 .00 yl?y?e'7 ?, ? 16.00 So Answers: R. Thomas Kline 03/29/2007 KODAK & IMBLUM Sworn and Subscibed to By: /J-? y before me this day ep ty Sh i f of A.D. Robert D. Kodak, Esquire Supreme Court I.D. 18041 KODAK & IMBLUM, P.C. Post Office Box 11848 407 North Front Street Harrisburg, PA 17108-1848 717-238-7152 Fax: 717-238-7158 email: robert.kodak@verizon.net Attnmey fnr Plaintiff PENNSYLVANIA STATE BANK IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. RICHARD D. ALBERTSON and ANNE M.ALBERTSON CIVIL ACTION -LAW IN MORTGAGE FORECLOSURE Defendants : NO. 07-1538 CIVIL CERTIFICATE OF SERVICE PURSUANT TO Pa. R.C.P. 3129.2(c)(2) AND NOW, this 22°a day of June, 2007, comes ROBERT D. KODAK, ESQUIRE, KODAK & IMBLUM, P.C., attorneys for the Plaintiff in the captioned matter, and hereby certifies that service on the Defendants of the Notice of Sheriffs Sale was made on June 21, 2007, by: ( ) Personal service by the Sheriffs Office/competent adult (copy of return attached). ( ) Certified mail by Robert D. Kodak, Esquire to Defendant(s) (original green postal return receipt attached). ( ) Certified mail by Sheriffs Office. ( ) Ordinary mail by Robert D. Kodak, Esquire to Attorney for Defendant(s) (PS 3817 attached). (?) Ordinary mail by Robert D. Kodak, Esquire to Defendant(s) and all other requisite parties (PS 3817 ongmal receipts attached). ( ) Acknowledgment of Sheriffs Sale by Attorney for Defendant(s) (proof of acknowledgment attached). ( ) Ordinary mail by Sheriffs Office to Attorney for Defendant(s) of record. IF SERVICE WAS ACCOMPLISHED BY COURT ORDER: ( ) Premises was posted by Sheriffs Office/competent adult (copy of return attached). ( ) Certified Mail and ordinary mail by Sheriffs Office (copy of return attached). ( ) Certified Mail and ordinary mail by Robert D. Kodak, Esquire (original green postal return receipt attached). ( ) Pursuant to the Affidavit under Rule 3129, service on all lienholders (if any) has been made by ordinary mail by Robert D. Kodak, Esquire (copies of Postal Service Forms 3817 attached). The undersigned understands that the statements herein are subject to the penalties provided by 18 P.S. §4904. Respectfully submitted, KODAK & IM]I,VI. P.C. Robert D. Kodak 407 North Front Street Post Office Box #11848 Harrisburg, PA 17108-1848 (717) 238-7152 Attorney I.D. No. 18041 Attorney for Plaintiff r U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER Received From: KIWIIPPTK OAK P.O. BOX 11848 HARMSwFiG, A 17108-1848 One piece pf ordinary mail addressed to: - r RICHARD D ALBERI?N 132 BRIAR PATCH R6 CARLISLE PA 17013 PS Form 3817, January 2001 U.S. POSTAL SERVICE CERTIFICATE OF MARJNG MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER o ?It S S ° ?:' uwT??s Qt? j ,..k y N aY C) C O=Z ? r1 W 7 Received From: KNUPP, KODAK & IMSLUM, P.C. RE). B9)(4 4 848 HARRISBURG, PA 17108-1848 One niece of ordinary mail addro¦¦ad fn- tW ANNE M ALBERTSON`' 132 BRIAR PATCH ROAD CARLISLE PA 17013 PS Form 3817, January 2001 U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT PROVIDE FOR INSURANCE-POSTMASTER Received From: KNUPP, KODAK & IMBLUM, P.C. P.O. BUX 11846 HARRISSWA , Ibis 17if'A-1848 One piece of ordinary mail addressed to: TAX CLAIM BUREAU m CUMBERLAND COUNTY COURTH ONE COURTHOUSE SQUARE CARLISLE PA 17013 PS Form 3817, January 2001 o c, UNIT,, 4 n:, `s Q 4 'v y ?rwi, e m z v+v ? o v <j o _a ¦ Ip 0 O O ?N¦ N J 0 Y ?a a 0 z ?U _ Z LL - WO LL U)LL ?w m? rn >O rc ?Ir 01?s PC. STAG lot Q ' Mm- -vnww? Z ' ?f 'f -vw .:: 9c PI". NIA ao%AM ?' tf o3 l .050 02424`0 }JU ,2' 2007 ' MAILED. 'M DDE1 71 r` 1 \°. ?-? a p" o do W?ArAi? a M"I r?^/d ? V1 o ? A 'zz' oa?Od m O E A>3V o W???Wr Q V2 N IiI oD It r x/'? 0co 0 8 M r M LL co "0i POS,-. Q F® z v PITNCY R[tWF.? 7 01.05c r, fI .2,42 4102 J u?,1 21 200 D F Zf CODE s. o Ln z y 0 Lo w a Cx) t a co z x ? WW m 0 r t- ? W W o LL 4 C3 LL D W N to 3 2 I O Z ? a zo V) co)z xl w ? ?ZW AOz ..a 'a O s N m 'C m a: M€ LL D_ A ., '% 1 U.S. POSTAL SERVICE CERTIFICATE OF MAILING MAY B USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT ...,... n•?c cr.o uiei .DOMESTIC _0-TrJeeTCD Received From: KIWI 1PP, KODAK & IMB LIM, P S F ,U. BOX 1 . C3 One ni- of nrdinarv mail addressed to: OCCUPANT/TENANT X ONE EAST MAIN STREET NEW KINGSTON PA 17072 i,o c, UNI7e OS, 7 ,??1 t"us a g dy Y rn N R m -? j N rj N p O !¦f ? PS Form 3817, January 2001 R"UPP KODAK & IMBLUM, P.C. P.O. BOX 11848 - 1% r.??r na ?r81848 c , uwr?o Ste, t> TO One piece of ordinary mail addressed to: A 17, 8 O -- - 44 C- 4 PAUL CONRAD ET AL ,k t y N S d V) NE EAST MAIN STREE?'# S O 0 N .L NEW KINGSTON PA 17072 m N g 'D v t? PS Form 3817, January 2001 KNUPP, KODAK & IMBLUM, P.C. ?" m •v. vv.. r r VTV - -f HARRISBURG, PH 17108-1848 On KRISTA WETTERIIALL ET E ONE EAST MAIN STREET #3 NEW KINGSTON PA 17.072 PS Form 3817, January 2001 Received From: P.O. BOX 1184 HAMISBURG, PA 1710€3-1848 p o 'fl , . -- •c,0 C=1 ? SJ. r A N rn d 7r . ?o n a CIO Y+?' „rsv C o=tz 0r N 'J "r..-........... k,o <, ulvrrf4 p' P n,? S r•'N ?.k r N ??Y L b 00 ? q1' Z Carl ? One 0 WENDY LAFONTAINE d? ?' ONE EAST MAIN STREE NEW KINGSTON PA 17072 P?o PQS;, ' Z J ate`" • ', P/ityl y Bowl 5 ' % F 01.050 J,,UN 21, 2! 0' ILEDF ODE1 71 ,1? I OD ti N N L W ww rJ ? ? • VO WU NU 2 N 6:3 E LL? Q 0a: t+- ?° m o. cep It aD T X O m I. 8 N 3 i (D ti M u- N a r rr^^ ^? wzz q?C W F'" a?z wzw woz 9 1 1 1 .. 2 2 f W W ti N . CL. J Y Q 0 0 0 Q.. e Z $ Y o?P?? POSl? fi Z PITNEY BOWS 7 VL tr $0'x•05'' 02NFP UN 21 20.77 `RAILECODE1710 1 n rl I-. z W z zCz E M W i$ Q z w NFf 0 I O LL n PS Form 3$17, January 2001 Q Y r „fi :? COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ISS: I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that the Sheriff s Deed in which Pennsylvania State Bank is the grantee the same having been sold to said grantee on the 5f day of Sept A.D., 2007, under and by virtue of a writ Execution issued on the 30th day of May, A.D., 2007, out of the Court of Common Pleas of said County as of Civil Term, 2007 Number 1538, at the suit of Pennsylvania State Bank against Richard D Albertson & Anne M is duly recorded as Instrument Number 200737254. IN TESTIMONY WHEREOF, I have hereunto set my hand and seal of said office this a 6 day of A.D. ?LQ D ecord of Deeds Rown* oft ow* cumbefWW county t . PA MYCo *"m E*M the FkV Mw4ey of Jn.2010 Pennsylvania State Bank In the Court of Common Pleas of VS Cumberland County, Pennsylvania Richard D. Albertson and Anne M. Albertson Writ No. 2007-1538 Civil Term William Cline, Deputy Sheriff, who being duly sworn according to law, states that on June 19, 2007 at 2000 hours, he served a true copy of the within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendants, to wit: Richard D. Albertson and Anne M. Albertson, by making known unto Richard D. Albertson personally and husband to Anne M. Albertson, at 132 Briar Patch Drive, Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to him personally the said true and correct copy of the same. Cpl. Timothy Reitz, Deputy Sheriff, who being duly sworn according to law, states that on July 6, 2007 at 1152 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Richard D. Albertson and Anne M. Albertson located at One East Main Street, New Kingston, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendants, to wit: Richard D. Albertson and Anne M. Albertson, by regular mail to their last known address of 132 Briar Patch Road, Carlisle, PA 17013. These letters were mailed under the date of July 3, 2007 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland County, Pennsylvania on September 5, 2007 at 10:00 o'clock A.M. He sold the same for the sum of $1.00 to Attorney Robert D. Kodak on behalf of Pennsylvania State Bank. It being the highest bid and best price received for the same, Pennsylvania State Bank, of c/o Sterling Financial, PO Box 38, East Petersburg, PA 17520, being the buyer in this execution, paid to Sheriff R. Thomas Kline the sum of $1,296.40. Sheriffs Costs: Docketing $30.00 Poundage 25.42 Posting Bills 15.00 Advertising 15.00 Acknowledging Deed 48.00 Auctioneer 10.00 Law Library .50 Prothonotary 2.00 Mileage 14.40 Levy 15.00 Surcharge 30.00 Law Journal 539.00 Patriot News 471.89 Share of Bills 15.69 Distribution of Proceeds 25.00 Sheriffs Deed 39.50 $ 1,296.40 So Answers: R. Thomas Kline, Sheriff BY Real Estate ergeant -71P 1 2-? Gays' ? I?ig? Ub • w PENNSYLVANIA STATE BANK Plaintiff VS. RICHARD D. ALBERTSON and ANNE M. ALBERTSON IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW : IN MORTGAGE FORECLOSURE Defendants : NO. 07-1538 CIVIL AFFIDAVIT PURSUANT TO RULE 3129.1 Pennsylvania State Bank, Plaintiff in the above action, sets forth as of the date the issued Writ of Execution was filed, the following information concerning the real property located in the Village of New Kingston, Township of Silver Spring, Cumberland County, Pennsylvania, the same being more particularly described in Exhibit "A" attached. 1. Name and Address of Owners or Reputed Owners: Name Address Richard D. Albertson 132 Briar Patch Road Carlisle, PA 17013 Anne M. Albertson 132 Briar Patch Road Carlisle, PA 17013 2. Name and Address of Defendants in the judgment: Name Address Richard D. Albertson 132 Briar Patch Road Carlisle, PA 17013 Anne M. Albertson 132 Briar Patch Road Carlisle, PA 17013 3. Name and Address of every judgment creditor whose judgment is a record lien on the real property to be sold: Name Address Pennsylvania State Bank 2148 Market Street Camp Hill, PA 17011 4. Name and Address of the last recorded holder of every mortgage of record: Name Address Pennsylvania State Bank 2148 Market Street Camp Hill, PA 17011 5 6. 7. Name and Address of every other person who has any record lien on their property: Name Tax Claim Bureau Cumberland County Address Courthouse One Courthouse Square Carlisle, PA 17013 Name and Address of every other person who has any record interest in the property and whose interest may be affected by the sale: Name Address I Name and Address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: Name Debra B. Wiest, Tax Collector Silver Spring Township Paul Conrad, et al. Krista Wetterhall, et al. Josh Baney, et al. Les Malseed, et al. Derek Steckline, et al. Wendy Lafontaine, et al. Address 269 Woods Drive Mechanicsburg, PA 17055 1 East Main Street #2 New Kingston, PA 17072 1 East Main Street #3 New Kingston, PA 17072 1 East Main Street #4 New Kingstown, PA 17072 1 East Main Street New Kingston, PA 17072 1 East Main Street New Kingston, PA 17072 1 East Main Street New Kingston, PA 17072 I verify that the statements made in this affidavit are true and correct to the best of my personal knowledge, information or belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to uns falsification to authorities. Dated: -? L Robert D. Kodak Kodak & Imblum, P.C. 407 North Front Street Post Office Box 11848 Harrisburg, PA 17108-1848 (717) 238-7152 Attorney I.D. No. 18041 Attorney for Plaintiff J ? PENNSYLVANIA STATE BANK Plaintiff vs. RICHARD D. ALBERTSON and ANNE M. ALBERTSON Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE NO. 07-1538 CIVIL PR TAKE NOTICE: That the Sheriffs Sale of Rea Property (real estate) will be held: DATE: Wednesday, September 5, 2007 TIME: 10:00 a, m., prevailing time LOCATION: Cumberland County Courthouse One Courthouse Square, Carlisle, PA 17013 THE PROPERTY TO BE SOLD is delineated in detail in a legal description mailing consisting of a statement of the measured boundaries of the property, together with a brief mention of the buildings and any other major improvements on the land. (SEE DESCRIPTION ATTACHED) THE LOCAL of the property to be sold is: One East Main Street (New Kingstown), Township of Silver Spring, County of Cumberland THE JUDGMENT under or pursuant to which the property is being sold is docketed in the within Commonwealth and County to: No. 07-1538 Civil Term Court of Common Pleas, Cumberland County, PA KODAK & IMBL by Robert D. Kodak Attorney for Plaintiff LEGAL DESCRIPTION PREMISES KNOWN AS ONE EAST MAIN STREET (NEW KINGSTOWN), TOWNSHIP OF SILVER SPRING ALL THAT CERTAIN ALL THAT CERTAIN property in the Village of New Kingston, Silver Spring Township, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described in accordance with the survey made by Charles W. Junkins, Registered Surveyor, dated March 31, 1987, to wit: BEGINNING at a point in the East Bound Lane of Carlisle Pike, U.S. Route No. 11, which said point is 58.50 feet eastwardly from a point at the intersection of Carlisle Pike and Locust Point Road as shown on a "Map of Properties of Sara Snyder; Stanley Dye" attached hereto and made a part hereof; thence along lands now or formerly of Sara S. Snyder North 10 degrees35 minutes 10 seconds West, 89.14 feet to an iron pin; thence by same North 16 degrees 32 minutes 15 seconds West, 168.00 feet to an iron pin at a 14 feet wide alley; thence by said alley South 66 degrees 30 minutes West, 95.50 feet to a P.K. nail set on the Eastern line of Locust Point Road; thence along same South 23 degrees 03 minutes 50 seconds East, 240.68 feet to a point in the Carlisle Pike, U.S. Route No. 11; thence through said Carlisle Pike in an eastwardly direction by a curve to the left having a Radius of 1909.86 feet an arc distance of 58.50 feet to the point and Place of BEGINNING. HAVING THEREON erected a 2%2 story frame building known as 1 East Main Street, New Kingstown, Pennsylvania 17072, and identified as Tax Map No. 38-19-1621-082. TOGETHER with the right of the Grantees herein, their heirs and assigns, to the use of the said 14 feet wide alley in common with the owners of all the other real estate contiguous to said 14 feet wide alley for the purpose of ingress and egress. TOGETHER with the right and privilege of a sewer line as granted to Lloyd A. Bender and Alice H. Bender, his wife, by agreement with Nellie E. Hetrick, dated October 25, 1940, and recorded in Miscellaneous Book 73, Page 503. TOGETHER ALSO with the right and privilege of entering upon the lands of the owners of the land to the East hereof for maintenance and repair of the said sewer line. The expense of the maintenance of the portion of the sewer line used by both parties shall be divided equally between the parties. BEING THE SAME premises which Stanley N. Dye and Susan E, Dye, husband and wife, by their Deed dated February 5, 2004, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book No. 261 at Page 3263, granted and conveyed unto Richard D. Albertson and Anne M. Albertson. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 07-1538 Civil COUNTY OF CUMBERLAND) CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due PENNSYLVANIA STATE BANK, Plaintiff (s) From RICHARD D. ALBERTSON AND ANNE M. ALBERSTON (1) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION. (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $164,397.13 L.L. $.50 Interest FROM DATE OF JUDGMENT @ 7.500% Atty's Comm % Atty Paid $169.15 Plaintiff Paid Date: MAY 30, 2007 (Seal) Due Prothy $2.00 Other Costs Deputy REQUESTING PARTY: Name ROBERT D. KODAK, ESQUIRE Address: 407 NORTH FRONT STREET POST OFFICE BOX 11848 HARRISBURG, PA 17108-1848 Attorney for: PLAINTIFF Telephone: 717-238-7152 Supreme Court ID No. 18041 111' j f Real Estate Sale # 62 On June 14, 2007 the Sheriff levied upon the defendant's interest in the real property situated in Silver Spring Township, Cumberland County, PA Known and numbered as One East Main Street, New Kingston, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: June 14, 2007 By: Real Esta a Sergeant q0 c1 I- .j; r ?? THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin) ss Shannon D. Billhime, being duly sworn according to law, deposes and says: That she is a Staff Accountant with The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 18th and 25th day(s) of July and the 1st day(s) of August 2007. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY SALE #62 rib F YLV 20 Sworn to and subsc s s 7 A.D. T L RM0' Notoy _ PW* Eow J me6. 2DI0 V1a So r, P 104r s A"0CM001 Of MUMS :::?& N ARY PUBLIC CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 4 R PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ss. Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, viz: July 20, July 27, and August 3, 2007 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. is arie Coyne, Ed SWORN TO AND SUBSCRIBED before me this ___3 __day of August, 2007 C? zz'.4? - J. Notary NOTARIAL SEAL OEBORM A COLLINS Notcuy PtAft CARLISLE BORO, CL44BERLAND COVNTy My COmpn Expket Apt 28, 2010 »i, i' A" Oh" 90. tZ Writ No. 2007-1538 Civil Pennsylvania State Bank vs. Richard D. Albertson and Anne M. Albertson Atty.: Robert D. Kodak DESCRIPTION PREMISES KNOWN AS One East Main Street (New Kingstown), Town- ship Of Silver Spring. ALL THAT CERTAIN ALL THAT CERTAIN property in the Village of New Kingston, Silver Spring Town- ship, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described in accordance with the survey made by Charles W. Junkins, Registered Surveyor, dated March 31, 1987, to wit: BEGINNING at a point in the East Bound Lane of Carlisle Pike, U.S. Route No. 11, which said point is 58.50 feet eastwardly from a point at the intersection of Carlisle Pike and Locust Point Road as shown on a `Map of Properties of Sara Snyder; Stanley Dye attached hereto and made a part hereof, thence along lands now or formerly of Sara 3. Sny- der North 10 degrees 35 minutes 10 seconds West, 89.14 feet to an iron pin; thence by same North 16 degrees 32 minutes 15 seconds West, 168.00 feet to an iron pin at a 14 feet wide alley; thence by said alley South 66 degrees 30 minutes West, 95.50 feet to a P.K. nail set on the Eastern line of Locust Point Road; thence along same South 23 degrees 03 minutes 50 seconds East, 240.68 feet to a point in the Carlisle Pike, U.S. Route No. 11; thence through said Carlisle Pike in an eastwardly direction by a curve to the left having a Radius of 1909.86 feet an arc distance of 58.50 feet to the point and Place of BEGINNING. HAVING THEREON erected a 21/2 story frame building lmown as 1 East Main Street, New Kingstown, Pennsylvania 17072, and identified as Tax Map No. 38-19-1621-082. TOGETHER with the right of the Grantees herein, their heirs and as- signs, to the use of the said 14 feet wide alley in common with the own- ers of all the other real estate contigu- ous to said 14 feet wide alley for the purpose of ingress and egress. TOGETHER with the right and privilege of a sewer line as granted to Lloyd A. Bender and Alice H. Bender, his wife, by agreement with Nellie E. Hetrick, dated October 25, 1940, and recorded in Miscellaneous Book 73, Page 503. TOGETHER ALSO with the right and privilege of entering upon the lands of the owners of the land to the East hereof for maintenance and repair of the said sewer line. The expense of the maintenance of the portion of the sewer line used by both parties shall be divided equally between the parties. BEING THE SAME premises which Stanley N. Dye and Susan E. Dye, husband and wife, by their Deed dated February 5, 2004, and recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Book No. 261 at Page 3263, granted and con- veyed unto Richard D. Albertson and Anne M. Albertson. ,,OEM IN