HomeMy WebLinkAbout01-04100
CITIFINANCIAL SERVICES, INC., IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
vs.
N0. Q~ w ^I~U~ ~lUc~ !~ l
GREGORY J. EMIGH,
Defendant CIVIL ACTION - LAW
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this Complaint and Notice are served, by
entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set
forth against you. You are warned that if you fail to do so the case
may proceed without you and a judgment may be entered against you by
the Court without further notice for any money claimed in the Complaint
or for any other claim or relief requested by the Plaintiff. You may
lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717)249-3166 OR (800)990-9108
N O T I C I A
Le han demandado a usted en la Corte. Si usted guiere
defenderse de estas demandas expuestas en las paginas siguientes, usted
tiene viente (20) dias de plazo al partir de la fecha de la demanda y
la notificacion. Usted debe presenter una apariencia escrita o en
persona o por abogado y archivar en la Corte en forma escrita sus
defenses o sus objeciones a las demandas en contra de su persona. Sea
avisado gue si usted no se defiende, la torte tomara medidas y puede
entrar una Orden contra usted sin previo aviso o notificacion y por
cualquier queja o alivio que es pedido en la petition de demanda.
Usted puede perder dinero o sus propiedades o otros derechos
importantes Para usted.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA
EN PERSONA O LLAME FOR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717)249-3166 OR (800)990-9108
citifinancial\emigh\complaint
CITIFINANCIAL SERVICES, INC.,
Plaintiff
vs.
GREGORY J. EMIGH,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COU~NTY,~ PENNSYLVANIA
CIVIL ACTION - LAW
1. Plaintiff is CitiFinancial Services, Inc. (CitiFinancial)
with a place of business at 11436 Cronhill Drive, Suite H, Owings
Mills, MD 21117.
2. Defendant is Gregory J. Emigh who resides at Lot 168, CME,
Newville, PA 17241.
3. On May 10, 1999 pursuant to the disclosure statement, note
and security agreement attached hereto as Exhibit ~~A", Commercial
Credit Plan Consumer Discount Company loaned to Gregory J. Emigh the
principal sum of $4,305.67.
4. On September 7, 1999, Commercial Credit Plan Consumer
Discount Company changed its name to CitiFinancial Services, Inc.
5. Gregory J. Emigh has failed to make payments pursuant to the
aforesaid note.
6. The balance owing on said note is $4,056.69.
7. CitiFinancial has demanded that Gregory J. Emigh pay the
aforesaid balance, however, Gregory J. Emigh refuses to do the same.
8. The aforesaid note and security agreement provide for the
recovery of attorney fees which in this case amount to $235.00.
WHEREFORE, CitiFinancial requests judgment against Gregory J.
Emigh in the amount of $4,291.59.
YOFFE & YOFFE, P.C.
By ~~a
F R N. E, ESQUIRE
Attorney for CitiFinancial
214 Senate Avenue, Suite 203
Camp Hill, PA 17011
(717) 975-1838
Attorney ID No. 52933
cit ifinancial\emigh\complaint
FILE No. 912 05108 'O1 1202 ID~YOFFE & YOFFE P:C. 717 975 1912 PRGE 4
CITIFINANCIAL SERVICES, INC., IN THE CO~TRT OF COMP10N PLEAS Ob'
Plaintiff (,uliiga~COUNTY, PENNSYLVANIA
vs.
N0.
GREGORY J. EM]:GH,
Defendant CIVIL ACTION - LAW
VERIFICATION
I hereby et.ate that I am an adult individual whcr ie authorized
to make thie `-eZ:.flCaLlon and that tkle facta aet farth irl the foregoing
Complaint are true to the beat of. my knowledge, information, and
belief. I understand that false etatemenL-s herein are made subject to
the penalties of 18 Pa. C.S. §4904 relating to uneworn fds].eificati.on to
auth.oritiee.
Dated:
c:i tll.Ifiadpcial\emigla\complaint
RECEIVED TIME MRY. S
CITIFINANCIAh,~IINC.
Hv
RICHARD E, WELCH
Legal Branch Manager
1:04PM
PRINT TIME MRY. S. 1~07PM
P. ii4
aR@aORr s BNIaN
LOT 260 0246
NSIIVILL@ PA 17241
C01846RCI~aL CR81)IT PLAN
CON80[48R DI6COUNp CO.
1752 LINCOLN p7,tY 6AST, BOITB 7
CNMm6RS8U00 P 17201
credit wSl
Pn Schende:
~o Amount of
Pavme~a Rvraenb
Whoa f4Xmanm
4B~ S 199.72 ~MONTfiLYB80INNINO' 06 10 1999'
s
a
6
dll have
made ell
05.fi7 ~S 7,186.56
SanuiN_ If eheoked, @onoaer k Si'~S a aeouriry
iiaotteetraaaatt m.
MomY Vehicle, ~ Mobge Home ~~, ~ „ ,. ~, i i, e„
^ peal l4operiy 0 Othar:NISC PHBB PROP
ter. to e: N. pepment k mm, 6ocww¢r.a'If b¢
¢~he~e~dueb~amoYmt rm~W m 1. s 96 par month on
paid b NIi. mlermum ¢tsep¢
S 1.00 .
9e¢ :he moaner domoumn Wr any sddinoanl m[oamaoq abort maprym¢nt, detnnlt, Pr¢wei,~ I(Bamwer pays ottaarty, ilonewer msy
say rogNrcd npaymem b toll 6eforo dro aha,ialed um, and prop.ymem nfmda ant a ¢ rwtaod otpsN ofthn Gen,eee ohnrp.
peealtke.
190.00 .
UW L~tmyawuaon Cherle:SN/A Oa^Ndod MAlmrae ChmgaJ
I[taareMS lrrramnre: aOIT0war is Rot required b purchase any typo of folmaaca b obfaio t:radh. og4ea Borrewee gaols 7.Nder a aenrelty
'- farces ra.~'mme:ao is tl:b d¢aamaat. to that. armi. [waraoee W protort Wa Lmder'r E¢tergf M fhe eolbts:al may Ea ra9~• 1.redrr's
deckba to Beal credit w10 gQt tie afforded- hY Botaowa'a dadeba b pwnduae or rdum opfhmal maursaiea pradu[1s, rn~ a: CrMB IJFe,
CradR BhatiJity. ImolaNary Ua4mphaymtaa inanramq Credo Propmty lnrmaaee or say alher op6otul ireirraoa¢ prodaeit~
huraeare oIIerad at I.eadar'a offim; veldt the ¢acaptlon at Noo-FWug Ltsunaee, wi4 mt be plvvid¢d unlace @orrower aigu acrd agrees m pay the
pteoilum mar. The unm of coverage nod me prenafum met of rorhin types oI fmmww punhand by Borrower aro ahowa baba. pdditloael imueenae
produem, H putoheaerl, refill crave a eepnnm app9¢aem apd u4ll ba dieclored b other lam aloeumeda. TLe initial amoum of mvenge fm Cru6t Life
mNm Credit Propmty inroramn m forth fn Borrowar'a 3murame rcrdgeam nay be equal m the Ton1 of Ayamm +mted nbpve, acrd msY araxed der
amount unwary m Pay o@ Borrowor's ban et any ~vca tlow, AnY aaoa+a mv¢Dg¢ emouat wID be'pnid m Oce Borwwrrr ox m der denlgmmd
beae8clery a m 6omwu's esm¢,.y sppikabb.
Borrower aahapwledgr4 Waf, U optbaal Coedit 7'm7aTt7 fasmanu Y purehaeed. BmrowMY property mvera6r rttMer othm potldm each a6
homtoweer't of renam"a hreuraax map ba adawsely eBeeeed.
H this man M /eeaKd by teat propmdY, mo611e/maao4ctured homer or a mahx vahkk OuhWiag a rsnr~Ceewl rWkb)r tlmu Bn, mdimded
message, mlmioa apolor mmprakeoefve earaaRy huuraam b regvir¢d, MrWtlg l.eeder m bee payee. untB the luau b Yvay paid, The amamt
of woh iunaame mmr by w18¢km m mSe% the uapeid bekme of Ste loss, a be equal m the value et Poe.mllnmml, ahbhswr k kn. Snob
iovuraaea umy b pwvSdod Ovmtgb nn eSSsd~ yo0ry of n policy olxafoed indoPead¢aaY nad P~aed by Bomwas. Borrower may ebtfin eueb
hurrreoce from say beans dut m msa¢ubly accepmbk b I.cud¢r. If Borrower obmine AolouwbBe Sbglo-lomtmr Imuraam et Isoder'a o19m,
9o[nwec nokmwledgea dam each laemaam: (1) may mat won dtaa fotummo ~ k gvsla6k fmm aaoWe[ )earner; Cz) wiB edy lao[eet lender t
interest la the maws vehicle acrd doer trot protect Horrower'alMerhn; sad (3) dote not pronet Bormwae from [daiml6y olhn pemm. H this foan u
seaund hY penorwl PtoP%nT. Noo-PWug iaaurame may be requhcd.
7smimtmn of Imoranrs: Borrower may ceoeel nay o[ the opttoanl innrreme prodmu ¢btelmd nt LeaderY office a[ auY thu. Additlomlly. if
required btnuepee 0aimlasna btoi¢ Iha rose k [epatl, Borower Promkn m ohmic amepmbk e¢bstlmm laamae¢e, N Borrewetw m defetdt, cad
Leader demavdn dut 6mwwer hamadfemlY repay tLo men b St0. Bormvt¢r aulhorlma tlm toeumr tot any tud/or e6 optloml laeunem pmdmn m
armiaam such po8riea or rmvangei ~ripon mquGl of Leader. If nay ioeunme punheaed at Trader's ofSoe k tenn(ma'.d Pot soy emeon. Boman
numorima aatd rtitmR the[ Oe hwurcr de0ver the pmmamt ntoM, tt say. b W¢ Lender which ouy u is optloa apply B m the ugmid balaom of Po¢
men err ntuw k m Bomwm. Aay an¢p applieatlon of premium mflmd m91 mt slfmt Ws saroum or due dom oP eubeagmm peymwm oa the lose, but
oay rsdtux mo uvmMr of ouch paym¢rrd.
Borrwwar ehouN refer m the terms mnralmd m the applicable tMIF¢4m or poBoy ksoM for the rower dmmiptlon of heeeBtl and aa%hreioY.
Borrower b eaf4Raatd m iagttere elmot eorerage and refmrd pwakbw.
The sagahN mottWp man paymeo[wBhoat lnauraceet S 105.95
IIW¢ regain! th¢ followlog Immeaee:
GetlPrcmWm: laemnnra Trop: Imoraacc ToR(i,M woe.): „/~„
116,42 SINOL6 CRBDIT L1P6 40 ,a pep
4 284.58 SINOL6 t576DIT DSSAB 48
4 263.62 PROPERTY INS 48
283.15 SINOLB IDiVOL r1e0BlP 4a
Semad Bomwv'a Slgennrro
7Is7iM3: In tlda f@adamae Smmmsut, Non cad Security Agro¢m¢nt. the word "Bomwm" n:fere to th¢ pmom slgodng below y Bemwar. rahether one
or more. If more tlna ana Borrower algm, each veto lm nepoastble. iw6vldm1ly end mgwher, tot W pwml+m nude sod for npymg der tan m tug.
The woad "Leoeet" redaa m the Levder. whoa nuan acrd eddnra an shown above.
~OMISB TO PAY: Borrower promlaes m pay m tlk order of Lcdkr the Toml oP Payeman (whkh Imharld pracempuad'ma~reet chmgna awl Serves
171ntSpa) eboww aWve b aubtaotleliy r,gasl, mmacvtae momWy 3mmlbueN+ rfmwn above. aee¢pt tlm[ nay apptwpUde'atgWhae~ w1B b madam the
foot end Baal paymeaa. ttom tLe Dam Chergn+ B¢rya utm7 the Toni oP paymottb h tuOY paid. Bash paymeR reID lm rmpOW m a r,omhloed cowl of m.
Atmuot Igmmad eml ptenomputnd iamne[ ehmgm. If eaY Wn of the bahnoe aemsfm nppaW oa Sa 8aa1 WYmom date, I.enda, at iti optioq may
celka hpmeet !crow acrd after maaahy upon the Ihw uepad Amamt Finamad m ab mulmvm nm peaartred by the thep app0mbY yes or. H m
mezimam mm k preaedhed, then el the nm oPmtme+t prevnOng ruder mu Diwloeor0 Snkment. Note sad BeooNty Agrermrm
The smemt shown ere "9ervim CWrge° above hen been paid by Bertower err a prcpeid adntga sad k m addi9ua m tba prooa¢rpnmd !await m Ste Lren.
A~ Service Char6ea am earned prior m ittareet on 0s ben beleaea. Pmpid Seryim Charges ere ao! rod+miehk m Bomwer fa the event of early
ppyraam err termim0on of tla ersoum.
pntentib7taUy left blank)
Boraowor'e Itildels: G~ 7 pN t
PeartYlvvde 26431b 4ry1 Oriadnal tBrenc[:[ ~nn.,imrTn~t,l r•.,wwrn.a~......r 74ve1nrl
03/10/1999
oRSaofrl~;i ~nQer'.B,rl 11:02FiPl CITIFINFYVCIf~ CgRLI%E P.2i4
PREPAYMENT: Bertowe'r ma a 37167 OS/10/1999
hocmue of Borrotmr'e deBWL BoO~a ywm wiIl Gem np e, mood fojb6 Y moo. UBortower p°epaye io fu0 m if f.mder oeae]enty yin mp9{d bat•«..
refmd of bee thm 53.00 witl 6v ~ mtiDamefl porOm of rye Phwoee Chary, emuplwd by Ote Rob of 76'a. No
gMn. PardelPmpnyotem wW mrrwult ioammud elLmmse
SECURITY A Bur; „ ,
^ A. if tbV box ie eheolcad, tlde Iosn u tbaeourod.
® B• If role box u aheoiwd, m seems me psymem ayf perfmmsme hemot, Bormwwr glvu b Lender a sewr(ty mWwt tlndar me UnMttm
Cammmeial Codo m a~ ptopony br whbh a dnmipdon h oontpkEmd below and an and
and aqv protaeda of tlm properly, all o[which wBl be oa0ed °Proparry". Sw bbw fm edditlooai mtiwhb m rhi. aeae.llvmi,~ ..~~
. aee oimer coo Deed of Trost oe me Mortgage 6r mrwr appBeabb
b I.endnr's iomrwt in Berrowm'a and propeery (•property').
OwNERSH~ OP PROPERTY: Borrower repreacow met me Properly 6 owned by Borrowee tree end oleo of s0 Oew sm emmnbrettoos extapr dww
of which Borrower hat fntormed Leud6r m writing. Pdo[ b any de6nh, Borrower may keep end we ma ProP^rtY at Borrower's own ride. nub)eet m
me provlsbm of the Udform Cemmeroial Coda, If tba Sroperly imlvder a mebr vehleb or atobBe home. Beerorrer wBl, upon request, dahver me
msdfledm of Otle m the mama vehfob m mobile tutus m Iznder.
USB OP PROPERTY: Borrower wgl rot aell, Iwao, emumber, or ometwise diepo» of ma Properry wfmovt f.endecl prbr wriwa wvemm. Borrower
P.wTperry at Borrower a addmty (v shown on page t) unfeu Lender hot gmvtsd pumWien m wrldog dot dw Propmty n m footed
elaewhem. 'Iha Property wlO M grad evly u, me-rum b whbh Borrowpc gvaa unlwa the Property 4 n momr vehlole. b whicb wo B wiR b road
oonlh We slam offiy m the cvnrae at Bonowoe't mrmal urn of Om 77roperry. Borrower will mr we er pmmit me we pt Ow
~~ pmpoaec Pmpsrty der hke or mr
TA%PB AND PBE9: Borrower wllt pay W tutee, Mueamaon, and oiler fxs pyabb m coo Property. U Bermwer chile m PeY nth aomtmu. Lender
maY WY saW a>mnnw fm Borowm and the afnvonw paid by Lender wBf he sdMd m Ow vnPeld 6almm of du loan
INSURANCB: 1f Borrower puroWeee atry huumrge et l.evder'e office. Borrower mwmtande end eelmowledgee dwr (I) dm tnameore oo~mpmy rosy
>b • ' aed tdN Lender, (Y/ iw~er'a emploYee(e) maY be sn egem 6r rba iwmeme aomPeoY~ fy) molt emploYce(e) h rot aaOOg y taC egoN, broker
or fidvolery dot Bomowm on Otis form but rwy 6e me ngem of rlm iwumnm aompaoy, evil (6) Candor or me fnmreoep eompsny troy twOre Some
bewf6 from tho wle of Omt fwmsace. tf Borrowor fi0s b obnm m minmfv ray requtmd SYtmsnce m UOs b dedgwte en egert mrongL whom Om
Lwarance is m M Ob4hte0. l.andar msY purobase stub required hwamnx for Borrower Otroveir m agora o[ [.mrdm'r choice, and the ernaam paid by
I.aodar w0lhe added m Ora mpnW brhncc of the loop.
PUJANCBd6 gTATeMCN•ra; Borrower wiO dgn all fiwortog atarzmams, maOmtntim rwmmeow, rewMry hnsmrt BBog ewmmem, agd IImIYr
doonatmn wim mepem m rho Propoety att.enMr's rogrwre
~6t IN D CHBCB PPP: Lendu may oherge a fco not m sxemd 520.00, if r oheelc, mgodeblo order of wOhdnwal ar ahan tine it renrrned for
mwimae6 ttmde m havt9oleot orsd0.
LA7E CHARC:B: Uany iarmlEmeN B paid mom Poan 10 days after ilk eehoddedpsyvram dam. Borrower egrxs b peY a hm obeegs egwf m 1, 5%
par coo m pmt dm armnm ovOl B B Daid m NII, wim a mWmum lab eba[gp of 5 1.00. finder my, et m optlm, watvo a~ lab rbnege or
portion mmmlwtd,ow wdving m right b rorryiro • lam cherSe with mgard m em amer Ism payment.
DH'ERMPNYS: Bmroroer rlVeee to pay a deferment charge egwl m /Si% per momh ov tba emouK deferred for me period of ddormsn[ HLmder, b
W moon, agoras m albw normwu, upon Bot[ewK'6 rryamt. b dn4r peymeW. of spy manOdy IwlnOmem prier m or oil W due data wlmaw
lbrmwer beivg mwidered bt defavL. Any speh dotaemem~ wBl extend me Owl paymem dam by em movm fm eaoh defbrmom av~odred 6q Borrower
and l.eoiot. All Omar terms sad oondidoae of me Dbdosom Stemmenr, Note evil 9ewdg Agrmamem IwdiWog me erphvrba daW of mwesme
mvemgw, remain uwhanged 6Y sulhmimd defaemeWa.
DEFAULT: Botrowor wlO b fa deSutt U:
1. Berrowm dow mtmake avy sededded psytwM on tl~;
2. lbrmwu b (er my odwrpeewapaB Borropv) iuDagkroptcy, ttrolvemy or rexiverrh~;
3. A~ of Borrower's medieore erognpp by bgal proems b tike aril keep any Properly otBormwer. iorbtmag On Properly rooming 0dt ban;
d• Borrower 6a0s m [alfiB ay' Ptomlae made veder mie sgwement or
5. A detaWt omwe mtder any Rest Belem Monppge m Dwd o(Ttmt which swwae tlm bsv ar oaeer any o0tm rtwrtpp m dsed of tarot oa du
twlproperiy.
IF Bormwm Mfealts. I,aodar may mquiro 9omtam m xepay Ore onOro urgwW PrlnHpal balenoe mId any acmmd bmmd at onm. Lepdet`r 60ma b
exemiee m debt' of axeroWpg mY of its rigbe wbm denall axon does rot oinvtimta a weivn of moan m any o0tm rlgtitrs miler 0th sgteemeM.
Borrower may also be roqulred b WY rwomble amrwy'a feet, court mall, apd me sehel end mamaahb expewu of reporuaahtg, emrhy, e»d
telling me Property which reourw me lean.
(Intentionally left blank)
Btrlrower's tmtiris: ~tl /0'R
PermayfYSVfa 25d31d 0/97 OrdBinal fHraneh) Copy iexttaeh) CopylCuetwm®r) Page2ofl
<• ~mor rropeny: See 8xhihit A ateached hereto and made a part hereof
C. fPdds box is ehordred, Borrowar'a bon ie emoted by a Deed afTrud or Mortgage o! even deb on real ProPW7 wh'sa coquina I<adm'a wtlms
mwem m a Bab or Immfm of tlm eoe®bemd mnf propeetp fooymd pt
GRBGGR'IUt~ ~aivr~' 11:93RM CITIFINiBVCIfiL CPo2LI5LE P.3i4
x 37}567 ~ O9llOJ1999
EPPBCIS OP OBFAULT• I[ Bo[mwer deGda, Botmwsr wBl deBvaf tLe Propmry m l.endar or, upon Laoder'r dtmand, asambk 16o Property t¢d
make a aveBabk m at a tmmmbly mtaeokm pkm. 4oder may, wlthont p[vakm entree or demand snd whboW htgil paaaa, pemefuH7
emu anq phm wbwp tla PmPm[Y h bound and take peuaskn of if. Leodor meq dLpva e(the Rvpstry to soy way h vriahea, abJam m apphabk
trace hw. ,
?he Prope[ty m•Y be told vdm mtius ae a pdvak ar pubgo [ale at a katlon ohoem by Lendvr. A[ snob a role, Lendder may pmohaa the
pmceadt of the sets m oPoar tdepotlllon, mwm the expeaeoe of eddng, removLy, holding ropaie:og and rallm8 the ~ rwombb
~tmmey'r Ga, end mime the mn otpyhtg ofl and removing arty Isom m vkhm oa the Ptoputy, wID be mrdiad m tLe vttyaW Waaoe of Bnrrooer'a
U tlm pmmWe of tlm eak Are mt eufgtdcm m pay off dte etttito bshme plm mau, Botmwex egrco m pal da xmahapg amomr
Borrows has loft other pmpetty is Oa rePOaeaaed Pmpatty, J-w+dvr trey bold sash °Po¢ demwd. if
WbOlry for the propetry. P1OP^nY temporetRy fu 1lmrowm wNteut etry rarpttaibBlry or
NoBx n{Ore 6me snd pLtmdapnbgn gale or entice of he tlme e(mr wLkh ap[ivak rek or giber ofdta
mailed m db Borrowei • addrcre at kept Avo ds 6atox tba tale or,d dGQDeiGm ProRnY wW oveer h [veeombk U
. LendvrL lem[da. - ~• ~[ hPveido¢ Thu mace may Lv waged. m 0te Bo[m[em'e hn eddrma Woven ea . ~ ~ ~. .
LAW AT APP • Fbamyirana kw and fademl law, a appliably. 8ovem tLit Dhclmwe Sntemen4 Non end Saeoriry Asteemavt. It any Pan n
nmefoma k, tbk m[ mete any amer pan umnforcabk. In m avem wW Borrower bo re9dnd m WY hnerm[ or obarga 1¢ exam of dmm
pertdtad by hw. -
OTIIER RIOH7'S: leader may accept paytmnn slnr mad¢iry or alter s dahdt widmm wivJog ba t(gbn with mtJkot m anq aubaagttmit dehuB b
gymem Bonewu agrees tlua [.envier may sand time for psYmem a8m maoaBY whbam mtloe. The menu of this vgteemsm van be vcafved m
ebaaged ody in a wtitlng slgmd by Lender.
Whero da mnkxt regnire9. singuhr words may be mad in tlto plural and plvni words M the atugolar, aced svfetanea m dte --u.. gmdsr may be
mad m apply m ma femioiae gatler.
OTHBH YHRMS: Faeh Botmwer agrcvn But l.e~ss an oheage Bm xpaymvm corm[ and xWaa rnS Pmperry assuring me tau or add partlee m or
xkex psttfes from tWe egrameot withom mtlce m any odnr Bvtmwsr aid wilhvm xbaaiag say othu Boemwu from 1W aepomtbllitlw. Lender
dos mt Lave m mtlfy Horroaer beforo imdmting euk i[ tla mn iw mt laid, sad Is[100[ ea¢ rm say or aB Bormwen upon >ba defedt by soy
Boexwm.
Bcemwu, ammaas, eurctles am gunxmox, m tlu evem pemdmd by kw, eaemBY waNe tbeb right m mgmm Lender m t1®md paymem of
amonme thu, m give entice Of emoim4 But Lave m[ boon paid, ro rev¢ive mtioe of any ammmm of then m pay tvhiey Lander aBowa m tiny Bomowm
sad m regehe Lvadar m [how particular tlfOgatua m braging tdt agaWt anyom xapnmlbk for trryaymed of refs kaa. aodaddltloml(y, waive beneffi
of homeateed sad exemption kwa sow in foie or kta amoad, imkdbtg euY of axecotioa and mndemmtioa, o¢ aaY A'oWn7 «mring Bde km end
waivs dv ttem& otvelmtim sod sppralrement.
Thin D¢olmom 6mremmL Nvk aced SaeuNry Agxemed dull be the.toin and ecvanl obggttion of all makarr, mmtw, gut¢sdom a¢d attdorren and
thtilt be bhtdi¢gtWonBam, then baux, euRasrom, kgel reprmvn46va and anigm.
If sW pert of the bhckame 9lemment, Note and Smuriry Agroomed sod, If applkabk, thv Mor~age m Deed of Trvet std avmnPnJ'°g InmWtlon
of Amount Plnanmd h veed'oxmbk, mie vdp mt make any atlar pert unenbixsebk.
RBFTNANCR30: Borrower bu been advnW bq l.eodvt that tba ovexll cos of rc8mndng an exietiag loco bah?ee may W gtmtrt Bun M mat oI
me retie ken god obnmkg a second loan fa soy sddltlvml feuds Hom[wa egthw m Irormw.
READ THR FOLLOWING ARBITRATION PROVIBION CARRYULLY. 4T LIbHTB CSRTAfN OF
YOUR RIOH73t /NCLWING YOUR RIGHT TOOBTAIN RBDRB66 THROUGH COURT AC710N,
[a mmidernBea of laude: matfiog the exmaato¢ of crada damnbed Wove sffi edtn good a~ vahMbk comWmstlem, Bm receipt tend eoBl6lm[.7 of
wNCL ie ac)rmwkdged by W W pertloe, i[ h further agreed ae follows:
DelinBdom for MGBratloe PfoYleb¢. A[ used hlWt ArbWatlon Provleioa ("pmvlnkn"), the [v8owutg dofidtlom wH apply:
-You" or "Yom" mmm my oe aLL otimrrower(a) who txamm tl,lr Provgioa, gad ihdr hdrr, nuvh'on. melgne, end repmeeota¢vm.
-WO of "Us" IDE9m Leer. tm9 maigpa, mgathm vABt Bmh mepaellva mrptxm pmm~w, anhatdiufoa, effi1kw, promoaame, aaignsa, auaeunrn,
omPkyea, agem, dinecmn, and otBCaa (aho0or setlog m tlalr mrpma or hdlvWual eapaciry).
"Ctedtt'ltanaotion" taeam soy ore ar mox poet, pxwat, or Laura aatamion, appSoaOo¢, or roguery o[ eredi[ or fio[beuWm of paymam rmh a a
msq tmai(madit egrmmeat, or olhetwko Born gray of Us m Ym.
'Claim' mare say mm, mtmrwenY, dGpna, mn, dhtgfmaud. hwmn, or aleim ma or honafar ntntlng between Yon sad Ue. A Clelm lmmder,
witbm¢limihtkn, anything that mmerm:
• Thk PmWskn;
• A~ pmt, preteen, er 6nura C[edit'hamecem;
• A¢Y pa5 paced, m Nutm i0atnanve, eervla, or ptodum the[ h ottnrod h mntmetlox wBh a Credit Trcauatlon;
• Any dommank a imamuok But rewire L[[0[mn6on shore soy Credh Txatenlo4 Inamana, retvme, or prodnnC m
• Aqy aU or etdvakn by any of Us xganBng soy ChLn.
Agrmetmt to ArbBraN CWm. Upon written [squat by eitlwi Pt[tJ' that n mbmiaed acopdivg m the epplloabk mks for a[bltratlo4 eq Clahn.
eecept Oma epedged below ht tlth Pxvhlv4 shall W xeolved 6q bL[dlog a[bltntloa m acmrdeae wHt (U Poe Pedmel A[bWatloa Arx, (g) dm
gtrcamBood AeblMtton ltnles sad Proadara of J•A•bt•glEodnpetn, toe. ('AdmWnnmr"): and (B)i Otis Pmvkio4 ttdar we Lore agree is m+itbrg m
forgo erbitredo¢. Tho arms o(tlW Pmvhkn xWB ma¢ol aaY faomhteay Leevnxn the mlq of We Admmntnarr sad Bde Ptovhlo¢. You nbY obnin
a copy of Poe atbiaaion silo[ by vaWug (800) 4a&1660. A¢Y Patty m thL [hevkan may. being on action, taatudtag a atenmety or aPsdBad
ptomaBgg, m mmpd aMitretien of any Chico. and/or b ray the Otlgatkn of any Clahm peeling a[Ntxriao, m say mot[ hsvlog jmiadiotio¢ SYW
motioumay m beoaght many dma• even U a Geim it pen o[a kwdt, op uteyl eha ^^trY of a treat fud®nem
Exempla of Ckimn tlnt am goveeoed by tlile Agteemem i¢cludo Ihoa tnvahmg:
.The Tnnh fn S.mding Amend RegdstlonZ:
• The Eqml Credit Opponnm'ry Am sad Ropuhdo¢ B; i
Sna iusatame, mart', rod Latdmg hen: Gaud or ffi[teprcumatW4 hmlvdmg ckLm for faBinB m rBralo[e ms[etnl tow;
• Any otlem kdoeal or trace mmtmer pxaetlan emm~ or xgnhrton; _ _ _
• A¢y pmryl aesmk¢otthh Proviriep ead/or wHhepwsa a bs 6omid bq iu mrmt a¢d providon; or
• prat dieppte about vlmb[8, atvlekg, mBeotleg, er eafomio®a Credh Txoxotlon.
JtMgmmR Indptmmvpos any atN¢s0oaawstdmay bs eamxd h[agy matt baviogjututdm0oe.
Clabne Hsduded from ArhWetioa. The tollowhtg types o(mamm odB cot b mNtrated. Thu etttrone Chet tteltlem ore of m tnn reepdx tla oWa m
aebltrak:
• Any aetlon m e$m a faraJoaue m hamfar tide m Ore property being fotalonad; or
- A¢y mnhor Yrhero sB paNa seek mooeWy tlamsga l¢ the aggxgam of 3)5.000.00 a hen Sn blel daeagn (meQeMWry a~ paddvs), mW,
Ind ftCe.
However, tknnld either petty idtiaa arblhaflvn, the other putt'. n in opda4 may eak lujuuodva and mooenrY rcget ht tubWalbn Paetldpadng m a
hwadt m saelda8 enforcemeen of Bela eeedna by a mum ahaB cot waive the dgb[ m arbltram aaY otbu CIeW.
Admmhtratlm of AtNnado4 prbltratio¢ ehaB ba admhm[axd bl the Adttid9exmr. ben H B ([ tmabls or uttwlWog a admipleter Bm aWIMUon.
dare th¢ Amaia¢ ptbltratlo¢ AeamnrknwW admimear eaY erbltretkn raqul[od oodar this Nnveien pmsmld m In l'.o®e[eld AtHtmrinn ReBee
add BBDedikd Prooedutea, except for a¢Y appeal. which wW 6e govermd by Rtek z3 of tla Cpmpmhoaelve ArNtratioa Rata~ sayd'P-fotiedera sltla
Admime¢ator. BODOwec'B lNdatxt ~ G !-~l(J-•fj g
penmykmlf ggd9li N7 Osiginal(esaneh) Copy lHSa¢oh) CoPY(Cue¢omes) Pgge3 old
~~ ly A H
t;aE00R~ ?~~ _ ilt 04fU1 CITLFIfWNCIfY_ CPRI.ISLE P,4i4
~71567a 05/10(1999
P1am of ArUgaUon, The arbkriaoa ebullbe mvdmted in Uw ooumY of Your tceldame, aoleu sB pagba agrca b emmq igaaon.
Timiee of Heetioe. 7bs etbfaatlon hearipg aMB mmmeax tvuhib ninc[y (90) days of the damead for eeblhatioa made m lbe Athnmletramr io
aaeordagao vollh W soya.
Aomel. Eimer You or We saey appeal the arbUumr'e award m a tlmie•addtemr pawl, sahioh ehatl rxotmider ~poyp, any aepmt of me hdtlel
award ragonne by the appeaBog party eubjant n Ruts D of tka Cotnpaahanafve AthftnUm RtdN sad Ptottdutra et 0a AdoOdetremr.
No Class Aotloaa/No leiadm of Pardee, Ym ages the[ aay arbiuntlon proceeding wt ody comider Yom Claimv. Chime by m eabohelf of other
twmowore wtll m[ arbiha many prouediog ms[ it mmmedng Yam Cbivq. Sima7uly. You maY mt jour vrUh odter boemwen m 6riag
Clw~e b ms Bean arbllntloa pmooedtag, anyee W of the 6oemwnm em parties m the ume CnditTtaenedon.
t.~jw !nine oa AmiOve Daob~ee. If spplicable hw permib the award of punitlve damages sad the arb7mamr namarlrn eveh m award, my poaltlvs
damages awattbd m You m tfa tiny mt extxed the pate of 5250,00D.00 or mreo delis Iba emoom of aobml eompemamrY dsmagm awarded by
Iha arblgebr.
pamatlUOm. Agar a demand for arbUnUOn is nude, You end Wn meY maduet a Umimd mmher of depoefuaa by moon! egermuet. Any
die6gesemeaq ovm deposition wOS be resolved by Uw aebitnmr.
C The coat o[aap atblhatloa p[omedipg eheU 6e dirlded se fegewa:
• Tha petty msYiag demand upon the Admbdatmmr kr ubltsadoa a1Wl Wy 5125.00 m the Admyygemr when the damped q mWp.
• We wt py m Poe Adaehdatremr aB omar maq far the ubiueUoapmaeeding np m a anaaimom of en day (eight boon) othwinga.
' All maq of the erbimatiortpmooadiagmet axemd eae daY of hearings wtll hn paid by me
• W me case of as appeal the appealing parry wW a omq of imda' as a roa•Preva~B~rh~
%9 eY mtg ppral- The mo-prevsiUeg Arty ehsU psy all ooaq, tine, sod
axpmaea of me sppeal ptvmadiag aatd, I[ eppgcable, shall re®bntae ma pmve3(ug petty fm me' urn of fUtag m appal,
• P.ach party ebeB Ps! hy/ber own anormY. aapert, sad vdmme feu sad cxpemtt, unhan odnraiae tegehed by yes.
Right o[ Resdesba. Ym any reeoiml any CrodLL 71saeamma utithb three bmmcas days a0er omeivg by ron°t°g ap proweda Iu any) m (fe wbh a
vadnn mdrgeUon of Yom tarolaama. If Yoa reeciad a Credit Tnmulloa wlmm throe bushteae days agar doehy. Yau may ayo mmmd mle Ptovybo
es $ npplye m urn Credit Tnmaefloa mat Ym xcsdaded. Tby dgpt m mnei the Crettit TunaWOn y Sn addabn m my omm [fight m eemal a Credit
TnneeoUoa You any have artder Federal or Sqm yes, m u any have been oomnaaiaakd b Ym b wtUmg by Os m mry bap etdbWaon,
advctdemlenl er othm mutotleg nywd daoumem.
Goverabg Gaw. This Pmvybn is {woad by hdeml yes and by tin ywa of me nab wham dm dory{ of tea CrndhTruuaotlon mok pym, but ody
m me e:teat mst suck sub ywr are coeubbn[ or oompedbb wah federal yes.
Savrsnbtty. If the eebitmmr m any court devarolme that our er non bens of mlr Pmvieiaa or the srWtredon aloe era naenformshb, such
determtndonsbag mtlmpk os aBmt me mnfotoeabUity Of tin otbm prwiefon of Un Agnemcot ar tlu atblaatbn robs.
!hie ProvlSba that (0 a court svd/or tan vat
ma mare gmiye
award ere nary
7'ho fo0owhsg aptlm appWe only if dUe ms fie ohukod. []
NOTICE
ANY HOLDER OF THIS CONSl7MPdl CRTp17' CONT'iIACT 76 6UBdECI' TO ALL CLAD1dS AND DEFEN&ES WHICH
THE DEBTO& COULD ASSERT AGApIBF THE 6Eid.ER OF GOODS~OR SEEVICEB 08fA1[~D WITH 7'HE PROCEED6
HEREOF. SECOVERY lII:REIiNDER HY THE DEBTOR SHALL NOT' ERCEED AMOi1N'IS PAID BY THE DEBTOR
HERSIIPIDEB.
By sfgoing 6ebw, Bortoaer agreoa m the btmf mammod hareia nohmwypgae rmafpt of a espy of mb DLrcmeme Smgrae0r, Nom std Sooaeiry
Agaeoneffi end, V appgoeble, a Mo ge- Due of 71aet end of tlm amompaayyg Itemlaadon of Amour[ INmaced, apd aamothaa me
dhbanesmm ei ~d mu
WITNEA4 / ffi
, (Sut1
BPII -Betmwer~t)
9PxURlTY INTBRBST OF NONOBWGOR= Borrower ody y permdsUy tRbk for Poyma°t of me
terms, aeadiUoae, aivemnm~ agremneu mnmieed m Udt Dgclonare am~em, Nob sod Secmi~
sad power of Lender m tupoeeeas and acB the property aeoarinp tffia bur, tame wain o<delaukby &
Sigmatre
<~)
Dnn
fie gable cod bowel by aU od[er
udiag but mt llmibd m me dgbt
Signaave
(Sal)
Dab
panpty6roh O:vDb64l9'l Ozigitlel (8zane~8'p)~i ~q~CAopy (RezaaTh) CupylCUatgmtrz) PaBo0af1
/~1 S~V' l F4 ~1® d
~~~1Y 4~kYU609d l.un~~5 ~. ~~
w
~ ~
G
oc
SHERIFF'S RETURN - NOT FOUND
'CASE NO: 2001-04100 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
CITIFINANCIAL SERVICES INC
VS
GREGORY J
R. Thomas Kline ,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
EMIGH GREGORY J but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE ,
NOT FOUND as to
the within named DEFENDANT EMIGH GREGORY J
DEFENDANT MOVED OVER ONE YEAR AGO. POST OFFICE
TION.
Sheriff's Costs: So answe $: !~'`
Docketing 18.00 /j~' `'~
Service 7.15 "~/
Not Found Return 5.00 R. Thomas Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
40.15 YOFFE & YOFFE
07/24/2001
Sworn and subscribed to before me
this te~i day of ~„~,,, J,~-
~m-c~ ~ A . Dn. `~"`
( ~A.w_pp
Pr t ohotary '
~c~r,itied As A True Copy ~~
Uff Uriyina! t3ocument Filed
CITIFINANCIAL SERVICES, INC., IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
vs. . 1'
GREGORY J. EMIGH,
Defendant CIVIL ACTION - LAW
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
Claims set forth in the following pages, you must take action within
twenty (20) days after this Complaint and Notice are served, by
entering a written appearance personally or by attorney and filing in
writing with the Court your defenses or objections to the claims set
forth against you. You are warned that if you fail to do so the case
may proceed without you and a judgment may be entered against you by
the Court without further notice for any money claimed in the Complaint
or for any other claim or relief requested by the Plaintiff. You may
lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717)249-3166 OR (800)990-9108
N O T I C I A
Le han demandado a usted en la Corte. Si usted guiere
defenderse de estas demandas expuestas en las paginas siguientes, usted
tiene viente (20) dias de plazo al partir de la fecha de la demanda y
la notification. Usted debe presenter una apariencia escrita o en
persona o por abogado y archivar en la Corte en forma escrita sus
defenses o sus objeciones a las demandas en contra de su persona. Sea
avisado gue si usted no se defiende, la torte tomara medidas y puede
entrar una Orden contra usted sin previo aviso o notification y por
cualquier queja o alivio que ea pedido en la petition de demanda.
Usted puede perder dinero o sus propiedades o otros derechos
importantes para usted.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA
EN PERSONA 0 LLAME FOR TELEFONO A LA OFICINA CUYA DIRECCION SE
ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717)249-3166 OR (800)990-9108
citifinancial\emigh\complaint ~ ~~ ~ ~ ~`~~~.~--tyd!'7 ~b
ki ~ ~ ° "JS~6f~Y, ( e';'3, ~"~Ai ~s t$P~t s!(I
MI6 fe6 { e " try" a,~~9, i~il.
Th! ~ ..~.t9ay ,(~
.. ~.j
CITIFINANCIAL SERVICES, INC., IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO.
GREGORY J. EMIGH,
Defendant CIVIL ACTION - LAW
COMPLAINT
1. Plaintiff is CitiFinancial Services, Inc. (CitiFinancial)
with a place of business at 11436 Cronhill Drive, Suite H, Owings
Mills, MD 21117.
2. Defendant is Gregory J. Emigh who resides at Lot 168, CME,
Newville, PA 17241.
3. On May 10, 1999 pursuant to the disclosure statement, note
and security agreement attached hereto as Exhibit ~'A", Commercial
Credit Plan Consumer Discount Company loaned to Gregory J. Emigh the
principal sum of $4,305.67.
4. On September 7, 1999, Commercial Credit Plan Consumer
Discount Company changed its name to CitiFinancial Services, Inc.
5. Gregory J. Emigh has failed to make payments pursuant to the
aforesaid note.
6. The balance owing on said note is $4,056.69.
7. CitiFinancial has demanded that Gregory J. Emigh pay the
aforesaid balance, however, Gregory J. Emigh refuses to do the same.
8. The aforesaid note and security agreement provide for the
recovery of attorney fees which in this case amount to $235.00.
WHEREFORE, CitiFinancial requests judgment against Gregory J.
Emigh in the amount of $4,291.59.
YOFFE & YOFFE, ~.
gy 4~ °' 1
E R N. Y F E, ESQUIRE
Attorney for CitiFinancial
214 Senate Avenue, Suite 203
Camp Hill, PA 17011
(717) 975-1838
Attorney ID No. 52933
citifinancial\emigh\complaint
FILE No. 912 05108 'O1 1202 ID~YOFFE & YOFFE P.C.
CITIFINANCIAL SERVICES, INC.,
Plaintiff
vs.
GREGORY J. EMIGH,
Defendant
717 975 1912
IN THE CO{IRT OF COMMON PLEAS OF
(;u!'VSL~ZI.p,U~GOUNTY, PENNSYLVANIA
NO.
CIVIL ACTION - LAW
VERIFICATION
I hereby state that I am an adult individual wha ie authorized
to make this verific_cion and chat the facts aft forth in the foregoing
Complaint are true co the beet of. my knowledge, information, and
belief. I understand that false statement's herein are made subject to
the penalties of 18 Pa. C_S. y4904 relating to unsworn fal.sificat9.on to
authorities.
Dated:
cit t. financial\emigh\ccmplaint
C7TIFINA~NC~I`A~L~Q I~N~C~
By ~"(/tN'~C.aC/ 1
RICHARD E, WELCH
Legal Branch Manager
PRGE 4
RECEIVED TIME MRY. 8. 1:04PM PRIMT TIME MRY. 8. 1:07PM
P.1~4
OBBI~RY J ~~ CObMeRCI)lt, CRSGIT PLAN 371567
LOT 168 CNS CORSVMBR DISCOfBTp Lb.
NBNVILf,H 8A 172!1 1752 LINL"OLN i$tY BAS'p, SVITH 7 Dam efL.oae
CtWt1BRRSBUgO PA 17201 03/10/1999
~~
amount Um otadit wW ~ The ummt of
WYmome ar mheAlmd.
)5.67 ~ 7,186.56
5~' .'.'. ltnhsokad, Boaoaan a SndN ^ aeomdty
m.
Motor Vehjcle, Q,MOblk Home ,. ~ ~~ ,. .. :. i;, e:.
^ RulPropmty Q OWer.NISC PHRS PROP
Lam ~ ~: If s paymeal b bm, Hormwor wip be
~am'Hm a~kk~ ~ m 1.5 % per mootlt oa
Paid m too. eoinbtum ohsrge
S 1.00 .
9a the anintm decumaaw Wr W sddieoul luformetum abut mapsympm, daBW4 fie e~fm'1e~` llBormwer psya olfeady Bertewor ouy
~ttq'a[ed repeymmr m fug bekm Wo Baheduled dam, sad pmpayotem tafmhde and m s mRred eipsN of Wa forme shares.
S,u, YCXaIW- faro GMamamN
2,730.89 a 15D•00 03/10/1999 Putt PeytmotDa / (htehWedb Plume
Dak ffikmbn t:hvge: SN A Lyrae,)
b
mder'e bhergt ht IOe mlbtad teuy he regobe
a refuge optbaal Dtrtrraaoe pawdach, soah ep
e oe eoa otAar optbtml htewaoaa prodaeh,
Iaumape offered et leodoe'e of6a, wiW Iha stpapDon of Non-Filing tmursoea, w7t apt bo PmvGled nNaee Bortower rigm and agrees m paY Ma
premhw dose 1'he Wm of covemga and the ptembbncoet of swum type of loamsme pumAaaed by Borrower are rhoan hebw. Additloml hamaaee
prodada, ff purohesed, will have a eepamk epplh:tion end ui8 b0 dlaelaed m other bad dopumam. 7be ioitid amoum at average Pot Crag[ lAfi
todfot Ctedh Property Ivmenu am toM is Botrower`a imunao emtlBam rosy ba egad m We Tom! of AymmN mud above, and omy seas/ Wo
amemt uw.ecary m pny off Boaower a ban a[ any gives tltu, Aoy sues mvemgd amount wOt bo paid m rho Borrower or m Ae deelgoamd
bmfbmry or m Bonowa'e nmm, u aPplkabls.
BervowQ ae~owledgm drat, H opDOdal [SedR ProPMty losarame b Pntrhaetd, Horrov[[s't propmty mvsaBa tmdeg othae paBrfe torte m
homeowuer'a or remer't beonre rosy ba edettely aReeted.
I[ Wb ban b eaored by real pmpaq, toobBe/mautthetured hoots, a a metro vchb)e Onehtdbg a nrreatloael •ehbbl, rbw Itre, mReoded
mmrage, toDfrfoa aotUor mropuehmehe aenpBy iitauraace brequlrpd, tmmbg Leader u log payee. oatB ®e bto b ttrBy pelt!, The amoaot
of euo6 tmumnu mat 1# emf&kat m utlaf]' the tmlmid bebme a( Wa bm, a 6e equal m Wo vaiae oP i6s mWrerol, wWel~ar b bro. Snob
htsomas may 6e provided through as eabdog pdgey ar a peltay obmitwd udcpeadao0y sad porohaeu by Betrower..Berrower eta? obwio smh
hemnpoo from soy bmear Wet b rououbly eddepmbm b Lmader,' If Borrower obodu Aotdmo6lb Smgle•lmeres Immense u I.mderY etBen,
Borrower eakmwU:dtyse [her such iaureuu: (l) tap;.doa IDeR due hmtmrao that la-evagnblo Ram aaather Womr. ('~ rr81 only proPtt Lpndor r
imenrt In Ws memr vehiala end dose not prokot Borroaver'e tomreaF sad Cd) tbu sot Protso[ Borrower Rom de~e by eWsr pstroa. <<Wis teas b
seduced by pemoWl property, Noo-PiBag inememe may he raryhtd.
Iermlaedon of Imroaom: Boerotror ropy Dauer my of ma optldml insomme prodwq obtdoed nt Leader! ot6re a[ any thm. Additloadty. D
required htemsaa krmlmW befero We ban L ropaid, Borrower promise b obteia amdapmhm wbefWb loeuraoee. If Bo[rowar ie b deWnB, sod
lender demands dat Bonower homedbtolY repay the rose m [04 Borrower aulhodmr tlm htmrer for emr and)or sU dp0oal hvunam pmdaem m
krmmak mete pmlbiae a tmveiager upoA roiaGl of IROdar. It say lusumme pushes/ al Iwadw's ofBoe ie eamimkd for my rump, Borrower
natlmrims and dimpm War. We hntaet deliver the premima refund. u am(. m Wm LmWer whfeh may a[ iW mpliaa nPPIY it m We n~ieid 6eboee of We
loon or arum h m Botmawr. Any each appRatloa of prsmhm rahuW wiU rot adm[ Wo evwnat er doe dam o! mbesgam paymmlr en the Joao, bu
mtY tMOa Om Dumber of ruoh pymenB.
Boremmr ehoaN rater m the frame uataloed b fhe aPPBeahb etnMBtmm or poBny bade/ fur the earart dmalptloo M bmdhe and arebebts.
Borrower b eoeooraiged t4 bgaM abom aerage and retuod prpvkboe.
The teHa4t mtRWa hteo PgYmeot erffhost faettraote: S 1D5.85 -
IIWe mgaat Poe bibwlag Inwuoa:
Coet/Pcemlt®: Iaatavice 7voe: launnoo Tetm (ia mne.l: /~~ .
; 116,42 SINOLB CREDIT LIPS 48 ~
S 281.58 SINOLB CRSDTT UIShb 48 r. Igna Dab
263.62 PROPHR'1'Y INS 48
;NC9IH ... Eroded Borrower i 8igutoro Dab
; 283.15 SINOLIf INVOL tBt@S 48
~HRM9; Ta thb Dlaeloms SremmOm, Nom sad Smudry Agroemma[. rho woM'Borrowm" rotate m the pmoa rlgdog babes u Bertowar. wWWer om
or mom. If mare than one 8ormwar aigm, eae8 wgl tx reeyoarbm, iallvidaQy sad mgedwr, for W Promba msdm sod far repylog the lad b fall.
The wmd'[endet' relate m WO Lender. whits Home sod addrue as Wownabovo.
PROM68 TO PAY: Borrower pmmba m pny m Wn order of Lender We Toml o(Payntam (whbh imbdsa prxompaka ineveet ohergs sad Setvlu
~*I~wm ~sBa%nnaadthe foWemtfi~ymeWa4GrnYp~Pioh pay~Pteat~wapl~bd m~a aam~hbboa meek
Amomt Ploaonad sod pi•mmpueed :erase[ ebmga. If any P+tt of We balms remaioc unpeW oo me Bml pryrum dab, leodv, at id option, may
mlle¢ anreu from std after ttultvBy apse dm item nnpeid Amaum Fhnoud sf Wa matlmttm ram peimfaed by the Wee appgabb law a. 1f m
mezhntmo nm b pmren'hed, Wan al WO nk of ltam•n provegmg under role Dieobeme SbbtmeaL Nok sad Semriry Agteemem..
The emeuat thrown se '9ervke Charge" above has bas pod by bprroww u a prepsW ahetgs sad L m addt0oa m the pnramputed tmeresl w the bro.
Aay Servbe Charger am timed prior m imereet oa Ws men 6eletae. Propel/ Service Chetgu ste ml roflmdrbb m Borrower is the swam of ady
paYmeW or mamintlm of the eecomr.
(CIttDRtiDnally left plank)
BorlDwor'e IBItltlt: vy ~ 7
Ptmm71•aah 75/316 /197 rpriwtnal /Braaehl ~~Cppn..lnvannhl r....w ln..~r.warl Pavel Md
z,~a ~~
ORHtlOB'~~{i 3TUw'9' 11:02fiM CITIFII'IYVCItL CFtRLISLE P.2/4
bxameowm'tode maYprepay Welwn~ eroPoad fa~Ry Deno. HBorroww prepays fa Cdl mlHSLedaevm[aroW lbe mgdd lbamme
romed of Lae flan 51.00 wW 6e6e pose Pedal [o '~6t°ed Pmdoa of dx+ Plmace GyarRe, compdwd try Iho Rde of 76'a. No
D payumm w1B mr ruult m e [edmd othdmwL
SECURfpY AGRF.~d£NT: x
^ A. 1f [61a box ie eheohed, Ode Innnk uommwed.
® B. If tlde hex u rhalad, m aroma the payumor ey1 parbamame hereof Hobownr given m twdar a
Ctn~ereiel Cods In W all otw5ioh wIB be~alkda ~Pr°~lotod beivw wad sB paten x~ °9WP~ma m ~' 4bt added m Me UN°P°M
W' Proeeada of Wa perry". Soe below for eddSmml torten eppheahk m thi. aemdb
Sea evher the Daed of 7LOal m be Mettgaga tat mrma appibabm
m Candor's mmroet iaBarrowerY reel property ("Property').
OWNERSH@ lH[ PROPERTY: Bomawor tepeevevb that Cm Pmputy b crewed by ]toxmwer free sod okm of aU asav and emmnbraxm mtwp[ Cmro
of which Borrowm hea~6[farmed leador b vnmvg. Pdor b my debut[, Horecwm may laeep ad me tlm property al Borrovmr'a own rbl[, eobJset m
[ba prmkmm et me Udform Gmnmmbl Coda. If the Property IRCludee s ammr vahkb ar mvbilo home, Borrower vdB, upon rwpvs6 daltvm dm
wditesm of tlde m Wo nmmr vehbk or mobile burro m Lender.
U OF PROPERTY: Borrower wt7l mr self, kue, eneumM,r. or athetwise 6tepom of the Propeny whhuntisaW'a ptbr vaamv apasam. Borrower
dm Y'rcPertY at Barrowee a edd[er1 fee shown aR page 1) vnleaa Leodm~ hrv Bmotsd IwnvWlvu za wridng 8n bo Property m m bested
ehmwhme. The Property wIA bo need ody b the mm m wbbh Barrowcr tlvea udau W PmP¢dy b a moms vehiek, m whivh wee k wIB he woad
ouWde rho area only m Ae aourro of Bvrrowar'e mmeal uao of tlra I7gwty. Bormwer will nm we or paring ~ Rae of the
Wegd paepoew. Propwy der biro m for
TAXBS AND PBES: Bormw2r wln pay ad [exec, Be9e9erneop,. sod odtar fcee pyabk on Cm Property. U Borrower bile m Pay aorA amomb, Lodv
may fay~a emomn fm Hormwm xnd 1ba amomb peidby ieodpr wH16a added m [he uvop„sld 6ekvee of dr ban.
INSURANCIi: U Bobowm pnrcharae an7r bnuteaoa et L<dex'a ofAce. Burrower vden[arda asd esbaowledgw Cent (lj Poe hwmante owapeoy may
ben ' and alb Ledm, (2) Isnkr'a empbY~e) rolY be an egem for die ioeerame mm9may, (3) each employw(r) k rot aotiag u tlm agent, broker
or Advokry let Boeroww oa dde ban, but Rmy 6e me egem of rho maanoce mmpaeY, ad (4J Leader et dm 9e+auame company may roa0re rome
bem[a from Cm Wa o[ dot WmeRrs. if Borrower bile b abmm ar memmin any required mnlnace m bile b daeigmm m agmtbreogh whom dm
tmmmea ie m M obbimd, Lander may parohase emh roquhed insernnce mr Hormwrs through as agent of Isder'e ehoko, and dm ameanb peal by
Lauder wtll6e added m tlm u^P'aid beknw of d,e L>m
F~IANCA'Itl STATHgdBNTS; Borrower will e9ga aft fwnmag sb[emame, mm{wation aammenb, smurity imetest flliog staemerm, W e{dka
domtmmb aidl roepeet m dro Prapor[y at LauMrY rogm¢
RB'fURNBD C}iHCH Pffi: 1<nder may charge a loo rot, m eacaod 120, 00, ii a chv&, wgodsbk odm of vdmdrawl or ehero daft to ronwmd for
imu eor iunt~ekn[o[atlt. -
LATE CAAR(gf: If •aY iavbl6e[eal k pnM mom Wan 10 days after bpe eehoduled peyuraot dam, lbrrowm agrem m pY a km charge egret m 1.596
par moo an a pest dm amoum m01 B k Pod In A[5, wllh a minimum km charge of S 1.00. Iwodm mny. at W optlon, wive auy lab eberp or
pordon Oemoi whhom waivhrg Be right m regeae a km ehargs thb [vend m say other km psymaoc
DHPERMBIP[S: Boaower effime b PdY a dmfermanteherge equal m 1'h S6 per mondr oa the eRmum dafined for d[e perbd of deferment fPlender, m
ib wale x~rt n, sgw m eltow Honvwer, opoo Horrower'e regwst, m deter psymeot of any ~mhiy immBmem petor m m oR im dm dam vr0hont
Borrower be9og mva9derd b debWt. Any each dafmmm[ veB m[ed dm Anal PYmmt dam by am mmrh for Mah daBrmmt eutlioriud by Bnwower
ad I"aadm. An admr tmme wed aedidow mf We Dieoloeuro Smtsmenr, Nomad Seeeriry Ag[a®am InoWmg the espo,edon daeee of Lrmmma
waweagw" [emeid temheoged by sathodxwl dek[mmb.
DEFAULT: Boerower vdn bs m debuk if:
1. Ber[eymrdmanmmai'a say tehadukd paymantoR tlme:
2. Borrower k (m say odor pmwn pub Borrower) 9n banlatWtoY, Iwolvemy ar rew9vert6~;
3. Aay of BorrowmY medbmae abwa5pm by legal protect m taho aadkeep aaY preDOriY of Borrowm, ioeh[dtog inn Propmty aewCng Oda Mae:
4• Berrowar [eW m (dflB any Promke made under mw sgroemmt or
5. A debwk ewose uadm any Real Famk Mortp~ m Deed of TYPet which aromas thh ban or arWm any ache mongiga m deed of ttaR oa du
reel property:
lF Borrowm dabdb. I.ondar may roquiro Bmmaer m repay tl10 codro m~sid Prmoipal baleme aad arty acerwd fmimen m rmm. Laden'/ faAme m
weroiee m dekp m extroieing soy of Da righm afian defmit amum does m[ mmdmm a weber of thoro m any othm rYgl[b avder thle egaceywut.
Borcowm amy abo Uc ra9dred m DaY rummbk eROmaY~s fas, mart Deem. swl dw aehmt wad msmeable expedaw of [epoaaefitog, atsdng, ad
selling Poo Propeity whkh eeouroa the lean. '
(IilkntiDnaUy left blank)
Pemeykawh 25411b dN7 Origdaallerabeh)
BOROWCr'S Idda16:
CopyfBrtwohl Copy(Cuatowar)
~~" ~o-~
Page 2 of 1
x. Omer 1"fepefty: See Exhibit A attached hereto and wmda a pare hereof
C. If dde box k chxhvd, Borrower's Iron i9 eeoured by a Deed of Tenet or Mar[gags of noon date on ral property which rmgWrea LedmY artlmta
aommt m e aide m vaoabr of Oo emimbeeW roal Propeety lowtod at
GRROOR>?~Ii ?~iB~ SS:B3f7M CITIFIfMNCIf~ CRRLISLE P.3i4
37).$67 r 05f30f1999
DP D.BFAULT~ It Botrowa defsW4, Borrower wW deHvat the property m Lembr or. upon Leoder'r dameod. uwmble Ipo ptopaetY and
B svagabb to eider at a eCaromb(y comeaiaffi pbm. 4ndar may, wltboo( ptev)om mtiee or demand std wlgtov( Iegal piomgr. pggngryIlY
°°~ enY P~^ where the Properly 4 kwted sod 4kq powwbn o[ tt Leodor m
enb hw. Y d4poea of dm Properly ie arty wy 4 wiahee, sobjeot m applbe64
76e Property may Im ea{d wh6 mike s[ s privab or pubgo cab at a ]outlay chosen br Loader, At sueb s sale, Lender may Pntahue the
worm 'sateen, and mlme rho ao~i~ °aMon, mimtt the upemu of mWag. removing, DoWieg rcp.b;ng. end reBieg tDa top(oynmyb
Ima. r PaYht6 off am removtog any gem m olerma on the Property. wW be uedlmd m thn uepaid hahocebahme o[ Bexrover'a
U Poe proceeds of ma sale aR rot wrffidsnt m pY off rho egCro belame plm corn, Bo[mvem agtu m)uy me mmrisdpg areouot upon dsrmad. It
~°bnuory bu~kB~~~ PmPattY in Ae teposswsed PmPa+tY, Leader rosy hoW eua6 Pt'oPettY ~W°rW' fm Borrvwor wlPoout ens' reRonelbll9y or
Nodoe of the thm aad pboe of a public cab w marx of the tlme efmr whkh a p~ivat~+ab or omsr d4poeipon of the parperry wiLL arour 4 mawmbh U
malted m tla HanowuY address et best Ava ds~e bemro rW eats .°S~dbPodpen. The mtlce may bo mamdm tlb Bmresru`e Mn eddreae shown en' ,
Leader's leeeNc. ~ ' ~ , ,
LA_R'~t!17' A_Ppt.fP9: Peontytvaoie law and fedeot Isw. ae gpp5esbk, govom ddr Dleelaaum Statement, Nob sod Suavity Agrewena tf wY pelt 4
mm~forom b, m4 w~l rot mgtn any Omer part amafomubk. In m avem wBl Borrower ba myuired m pY lnteraet or ahaegee Io awn of rhow
permlBed by bw.
DT71BR RIGHTS: lender rosy uoept paymmu sgu memdry or elsar a dePoWt withom wnvlag iw righn wDa reepoel m any wbserpmnt dniwB m
payment Hmmwer sgmee mat Lender may eawnd nme fox pyymem .9ex aularSy wahma mtlm. Tba tmmr of the agteemom om 6e wdved w
ehaaged only is a wdtfog algmd by Lender.
Whero mo mabal requires, eieguhr words rmy b mad io mo PhW and phaU wards w the sbrguhr, avd rofommu b dm mauaSm gerWm may be
read m apps' b the gmiaim geadw.
QTHFR TPRMS: Each Borroxer agrus mat Lender ma chmga me repaymom remv sad values eaY Property eaouring the tun. or add partlb b ar
rolum paNm from role a8aemem wimom mtlu b nay odm[ Harrower am wimoot mlasing any other Barrovmx from hie mspomlDB{ekx. Lmdex
does m[ have m mdi(j~ Borrower hefarc imtimeog eWt U me rote 4 ml paid, sad I.eMCr sea sm aey or aB Bortowero upon ma dePou0 by saq
Borrower.
Borroww, oadotsus, turedes and guoraWOm. m the exmat permilosd by bw, savarW:y waive me4 right m tegahe Leader b demand paymem of
smaunw dm, b give mdm o[amouau mathave rot bean paid, m xecnive mike of any esvmaiem ottlme m pay avhieh iwnder a0owe m aaY Bwrowu
.ad m requhe Lender m show psrdcaler dNgomo m br4giag sdt against anyom recpondbM fiK rePaymem of tWa tom, am •ddhbaalir. waive hepeHl
of Imnmmud and exemptlon hws now in fame or titer ememd, iaabdiag ebY at eseauuan and mmhmoetmn, op aaY Property semslpg tlde ban sad
wWs ma 6em& otvelmtlon sod eppmiumeot.
This D4Wmure 8momtem. Nob and Security Agroemem shall be the join and aovarrd abligatloa of m maWm, wetlee, arwaWOra avd aadorsw sod
shW 6e 6lodiog tgrou them, theirheine, soueeson, bgal repmtematlvoe sod uaigw.
If any pert of me Dhwbepre SblemeN, Nam sod Security Ag[cemeat sad, it spplimDb. rho 3forRege or bead of Tmet std aaompanyiog Item4atloa
of Amoum Plneoud 4 vaeaPomubk, t64 wW ml mete uy emu putt uneofomssbh.
RHF7NANCINf3: Homwu hu been advised by I.codar roar rho overall coat o[ rofimndng so ea4dpg taro 6s4me ma7 ~ gree[a than dµ sod of
tlu e% bdn rod obnlnDrg s second ban far any sddWaml Brads Benrowrr Wehw m borrow.
RHAD T'A4 FOW.OWINO ARBITRATION PROV791ON CARRPULLY, IT LIgOTti CSRTAIN OP
YOUR RIGN7Sr 1Ntl.UDING YOUR RICNT TO OBTAIN A&DRHS6 79ROUGH COURT ACTTON.
b mmWentlon of I.andm msldng dm eatemma o[ erodit deaodbed above a~ emu good sad velmbb mnrWeretlow, me meeip[ sad sa(fiWomY of
which ie aUmowbdgrd by hero perms, it 4 gather agreed sr foWwa:
DefloRiom [m AeblbraBon Provhbe, As uaad b dw Mbhretlon Prov4ioa ("Prov4ba"), the toBowing deHdtlom will sppd:
•YOU" or "Yew" maw saJ or ell of Borrower(s) who eaxwm m4 Ptovuioo. and molr haM, nrrvNon, uBgw. sod reporealntiwy.
"We' ar "US" mdn6 Condo, any uslgvce, mgemer rim m04 raspeelh'e mrponm parser. eubaidindes, a~gamr, predeoeeeon, erslgates, somwon,
employam, agar, dhmmn, sad oflkue (whemer mtlng b meh mrpomm or Indlvldml upaeey).
"Crodh TPmsatba" megne ury om or more put, pruenl, or Brous samwma, applioeyon, er iagatry of arodit or forWmanu of psymam anoh u a
tom, raWl eredg ap{ewoar, or omerw4e from pity of Va m Ym.
°C4im' meow aqy um. caanovenl. dialnwe, ton, lira@ceau;m. 4wruu, or cWm mw oc heruflsr ex4tmg beareea You sad Ur. A CWm bender.
wlmomgmihdoa, anYmmg mss macerm:
Any Ws4 E'>n~, or fasv+a CmdilTmwaeaon;
' Any Pe4 pmmm, or firma ioestranra, aervke, or prodnm mat h offered b eameetloa rim a CmditTnmaetloa
• Any dommeffi winstr®eba 1bn coehininfo'tmefim ahem nay Cre8ltTraometlon hrrwanre, wsvioe, u pmdmK w
• Any sot or om4donby my of Us mgardiag say C4im.
Agreatrnt b MhHrata Cbhor. Upon wiilmn requan DY Wdmr poly that 4 mhmimd socetding m me applioebb robs fat arbgmlbn, any C4im.
except them speWBed below b tlti9 Provhdon, shag he mrobed by 64ding arbimmn b acmtdeaee rim P) ibe Pedant AtbWallon Aar, (g) tlm
ShesmBned Arbthatloa Rube sad IYaeedacb of 7•A•M•S1Bodlapaw, Lm. ('Admideasmr"): sod PS) ibis Pmv4loa, unbse rve froth agree b wdtlag m
Potgo erbimtloa. The yams of ibis Prov4ma shell wnerol my imom4mmy 6atwcep me alb o[ me Admm4mmr nd m4 Hovblon. Ym may ohmic
a copy of om addaeban rhea by bgiog (g00) Mg•1Ggp. AoY Wttr m Oda Provlela6 may Dripg m +otloW im5odlog a smnmety m a%pe8uad
rrreceaditrg. m mmpW sib4mma oP any claim, emtar b soy me Stlgntlan of aDY Cla®e psndiog srbitntioa, b aaY mart hsvhog lwirdbtloa Suo6
nmtlon may babroogM al my tlmo, evenU a Chka a parto(a 4aweWS, up adtl dw emry of a fmllmlgmam.
E%emPles of CWmr mat en goveema Dr role Agroemeol looludo mom {wolvbg:
. 7'he Toth in l.md'wg Am sod Bagubtlaa Z;
• 7hs HgtW Credlt OppartumYy Am sad Rego4doa B;
• lbb imumam, wry, sad)eodbg-Lava: ham or m4roprbaptetlon. ioelodmg eh)nu for pOSng m d4oloen mmm'nl fsoh;
• A~ emu Rdenl w Ipb mm®w proteGba etenrm ar rognhdon: _ ..
.. An) prty4 easaatlonatOm PeevitueomNor wggnpwsa b b bo®dby'vs tenma sdprorldoes: w
' Ay dispnoe ab,meebshrg, urvlomg, m0eomg, w eefarWOg s CrcWr 7kaaeeotlon.
JWgmmt, Iadgmem apm nay ublaedon awem shy he eamwd b eqy rotttt Wdoglttrirdiouoe.
~Clahw Rnrladod how MD(katlsg. The mUowlag types of marten w10 rot be etbhreted Th4 meow dot m9hw om of w rya mgWm me omm b
• Avy actlm m elfeot a firroWoeam m tuaePor tine b the property beio8 foreWasd: or
Aay mamr wham ell Pard^e reek mam4ry damagss b the aggregem of flf,OpD.OD or kaa b blel dsmegu (mmpennmry and pnWWs), ceep,
end feu.
However, ehonld eithu party imliam ubitletlon, db omer pury, at lw opdoq may reek Io1mc[Ive and mnoanry relief b arbthatba Petdolpstlag m a
bwml/ w aeWdog ed'oroemeat of this eeotloa 6y a ceurt shall rot waive the right m mbioaw soy omsr Claim.
AddBbaai Team.
Admimsaatlaa of Arhitretlon Arbihatlon eha9 b edmWrmmd 6y the Adorialsaebr. bW ff B h amble or ttnargimg m adaga4Wt ebe arbihatloa,
men Poo Amedwm A[bl4etlon Aewchtion vvSl adonmetu at0' bbitrntlon raqulmd osdb m4 ProvieioalmrsnW m I4 Cemmuo4l ArdlmSOa Aoka
srd $gptdilod prooedume, a%eepl (or any appall, wWeh will bB govermd 6y Ride 2q of me Comprohmdve ArNhe4oa RoW sad Pmoedwm OPlbe
Admiaiea+sa.
Bovuw'ar'g INrLIa:
pemsylrmb 25431E 1/97 Original (Branch) Copy lBranohl CopyfCariamar) Page3 o[d
08800RiUt~ 87~'uQ~ 11:94Po1 CITIFIfgTVCIfL. CARLISLE P.4/4
~71567r 05/10/1999
PliCe at Atbihadoa. The asbfttidon ehaUbe wnducted in Om eotmay of Your rceideaoe, tmbu aB pertks epee b smtLer bastion
oI H . TM etbiMtlon heating ahs0 commence wt1hW aimlY (~) days of the demaorl [or athk[adon math m We Admldstrdot Sn
aooormnx Im ndea.
Aomaf. Either You a We may appeal tlw atbltnmr's avand b v dueoarhitrsmr panel, vhblt shag nwmfdar Q4gyq say napes[ of tlm ideal
award r'egoeamd by the appealhg parry aubJwt b Rds 73 of ma Compadiraaae AtM¢etlon Ruler and Proeaawxa of M AAMidstrame.
No Class AetloavlNo fetadp of Pardoe. Yon apes tba[ anY ethimedpnprooeedlpg wID odY wntidef Yomr Clsims. Claims by of an behaUef o0tcr
bonowon w01 mt arblaabd le eoY Proeeedhtg Ihrt u wmideeing Your Chhm. SimOarly, You maY mt jol¢ wiW odwr botmwea m 6riag
Claiom io dm seine atbltntlon prowediag udees all of the 6omowvn an parties m the asm0 Credit 7nmactloa
Limtlatlon oo PunfOve Dama~ee. H appseabb law pe[m0a the award ofpaddve damages sod the srbltnmt aatlromzee such an award. nay poufdve
damages awarded m Yw or Ue may m[ exceed the gtatar of f230,000.00 or d,ree tiMea lbe eammd ofacroW wmPmsamrY damages avasMcd by
i MeatfdCabr.
D~gsieoee_ Attar a demand for atbftratlo¢ ie .made, Yoo sad We maY wnduM a gmimd mmhee of deposidom by mutual agreement. Aq
i di9agreomeam over daporitiom avi0 be xeaolvad 6y rho addtnror.
Cwm,T'ho wAOfany nebi4afb¢protxeding eheH he dividedu lollowa:
• The party making demand upon tlm Admiolatrator fat pbinenoa ahUl psY 9175.00 b the Adtddstnror whoa the demand is made.
' We wiB'.pay m tlm Adminhtretor a9 ofror web for the nrbiwdoapmeeedbg uP m a rnanimm of om day (eight boon) of beatfop.
• AO wain a(dm arNmauoayraoeedmg OU4 oxcaed otn daY a[heariaga wf0 hn paid by the muPrevafRr~partY.
• Ia Ow ease of an appeal the appeding party wW pay any oasw of idda,ag eo appeal. The oosprevdling parry shell pY all wafa, fees, and
expenp o[ the eppealpmuading ord. H applicable, shag tdmbwao ibe ptevalliog Pony for Ore ws[ of IOln6 ed appeal.
' HerL W*ty staff pay hn/bgr own almrmy, eapary sad wftmaa frn and oxpemes, adna odmrwise regairod by 4w.
~, RIgM of Beseiyeba. Yw may rescind coy Cred"a Tnmaotlon withlo theta twimas days aRor closing by robwmg aB Psoeeeda Qf any) b Us wltL a
wraan net{Bution of Your rerciedoa. {f Yon resemd a Credit TnosaCdon within dace b¢vraeaa days sou dodog, Vw may also msobd Ibis Provision
es h eppSea m d,o Coedit 7laneaotlo¢ that Yw teacloded. 7'hie fight b mrcel fits Credit T[anawtlw b b addidm m ady admr rlghl m csacei • Credit
Tntwarioa You may have uvder Fedvmt or Smm bw, m as may have been wmmnaicakd b You b wddog 6y Ue b svy lean wlkWdw,
adve[deamam or other ea[kedag nlebd document.
Gnvetnivg Law. Tbia Provision a gwumd 6y federal iaw sad by the laws o7 fife amm whore the cbafvg of ate Credit Trwaedon bok Ames, 6ul only
m the axbua that eooh amb Lwa aro oomfemot or aompadbm with federal mw,
Sa<era6g4y. TI dw atbitnmr or anY wort deteanfws Out om or more Lums of ddr Provision or du ethiuaao¢ [oba nn uvenfotcanhb, such
dabtmmation maH not ~pefr or aRmt ILO ¢afomeebiSty of Iha other proviaiotw of tide kgrremcM or fie arbiaenen reins.
Spina) Aclumwledgmaols.
Yon andmftmd- en0 arheowiladg'e lry 9lgobg Yoar Dame to ebb Provldoa Omc (0 a woes anoda/eotrClrmo y v+D ggLhpr a[ tlecNe Claim
m¢a~Wate~lefenbk-e~am~met0ee.~rghtat~We fm~g of me~o'tled~5rinter ,1r~sb~'on~Act. 9frU.S.C, yfl~npc~IQPod~ver7 Mom acbtkWo~o
appeal m earhihdMa awaadre het' Red~and (r4 t~ N~ of ~tpsr ~karNad'ei maT tut ba eaaeR9 matoat m a0 reap~eem~, (v) Hytu m
RIiAD THE ABOVH ARB17'RATION PROVISION CAREFULLY. IT LIMITS CERTAIN OF
VOUH RIGHTS, INCLUDING XOUR RICHT' TO OHTAI)f RBDRRSS fi)HQUGH~OURT ACTION.
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The fogowieg notice applies ody If mis box ie cLeckod.
NOTICE
ANY HOLUE& OF THIS CON3ULLER CREDIT CONTRACT IS 6I1gJECT TO ALL CLAIMS AND DEF'ENSBS 'W>~CH
THE DEBTOR COULD ASSERT 'AOA71'16t' THE SEEI.IBR OF GOOIy8 OR SERVICES OR'RAIIiF,b VYITH TTRi FROG
HEREOF. 1gECOVERX HEREUNDER SY THE DEBTOR SHALL NOT ERCE® AMOUNTS PAID' 1gY THE DEBTOR
HEREUNDER.
BY dSai°8 blew, Hotrowet agreos b the tmma wdsimd heni4 aakmwbdgep tooetpt of a copy of dds Dlsemane &tatemee6 Nom sod Seomity
Apeemeat sod, U apptimbb, a Mot Deed of Ttnat end of me eocompeuyieg Ilamtudoe oT Amom[ Pfoeored, red atathoAaa the
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SECURITY INTHRBST UP NONOB).{GOR: Borrower only m petmaaEy iar payment of Ore loo Dinh 53fgor ie Hebb and 6omd by ell odtar
msres, oowHtlons, mveiiaom, a~¢ eg[aemmn mwiuad b tltm Diulonne 9m ,Nob and 9eourfry ot, maktdinS mtt not pmimd m t>b rlgttt
nod power of Leader m xpoeaeae std eeE the Property aecutlag tlde bin, m We evert ofdemvlt by R is p.ymed of dJ. Joao.
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