HomeMy WebLinkAbout01-04627MELLON BANK, N.A.,
Plaintiff
v.
H. W. BARKBY, EXECUTOR OF THE
ESTATE OF KENNETH I. REPP,
Defendant
TO THE PROTHONOTARY:
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO.OI-4627 CIVIL TERM
CIVIL ACTION -LAW
MORTGAGE FORECLOSURE
PRAECIPE
Piease withdraw the Complaint filed in the above-captioned- matter on behalf of Mellon
Bank, N.A.
Respectfully
& LINDSAY
Date: July 14, 2003
By:
Matthew J. Es ehnan, Esquire
Supreme Co ID #72655
2109 Market Street
Camp Hill, PA 17011
(717) 737-3405
Attorney for Plaintiff
1
,~~ _
~+' s-'- )
C ~% -n
2l
~
1, '. _
~~1i f~ -
__, _
-
M1
Gz-. --~• `
-e. ,
t
C _r,
- v "_=i
rr -t
~y~
~ SHERIFF'S RETURN - OUT OF COUNTY
CA$~ NO: 2001-04627 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MELLON BANK N A
VS
BARKBY H W
R. Thomas Kline Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
BARKBY H W EXCT
but was unable to locate Him
to wit:
in his bailiwick. He therefore
deputized the sheriff of YORK County, Pennsylvania, to
serve the within COMPLAINT - MORT FORE
On August 15th 2001 this office was in receipt of the
attached return from YORK
Sheriff's Costs: So answer .
Docketing 18.00
Out of County 9.00
Surcharge 10.00 R. homas Kline
York County 28.63 Sheriff of Cumberland County
nn
V J V J
08/15/2001
SAIDIS SHUFF FLOWER & LINDSAY
Sworn and subscribed to before me
this 0 7 "~ day of
~L~ A.D.
~~ ~ ~ ~
Prothonot r
~ COUNTY OF YORK
OFFICE OF THE SHERIFF
26 EAST MARKET ST., YORK, PA 17401 - - -- -
SERVICE CALL
(717) 771-9601
SHERIFF SERVICE INSTRUCTIONS
PROCESS RECEIPT and AFFIDAVIT OF RETURN PLEASE TYPE ONLY LINE 1 THRU 12
DO NOT DETACH ANY COPIES
3 DEFENDANI/$/ NOtxce -& Ccmplaant
H.W. 13arlcby, executor o£ fine estatQ._o~ Ke»~h I, Repp. i_n JYIortgage Foreclosure.
SERVE ( 5. NAME OF INDIVIDUAL, COMPANY, 60RFsORATION, ETC. TO SERVE OR DESCRIPTION OF PROPERTY Td eE LEVIED, ATTACHED, OR SOLD..
J H.W. Barkby - -- --- - - _
1 6, ADDRESS (STREET OR RFO WITH BOX NUMBER APT. NO., CITY, 80R0, TWP., STATE AND ZIP CODE) -
AT 2015 Tall Fir_IIi::. _ I1c'lrer, PA 17315 - _- _
7. INDICRTE SERVICE: ^ PERSONAL D PERSON IN CHARGE ~~ DEPUTIZE - - D~FR~TdA ~ ^ 1ST CLASS MAIL ^ POSTED ^ OTHER
v2Z'~3Pka
NOW August 3. 2001 , 20_ I, SHERIFF OF `f9R4C COUt~LTY PA o hereby deputize, the sheriff of
York _CQtJNTY to execlatake re urn .according
to law. This deputization being made at the request and nsk of the plaintiff.
_ SHERIFFO OllNtt
6. SPECIALiNSTRUCTIONS OR OTHER INFORMATION THAT WILL ASSIST IN EXPEDLTING SERVICEI - -GtisnberlaRd --
ADVANCED FEE-PAID BY SHERIFF
OI1T OF COUNTY
CUMBERLAND
NOTE: ONLY APPLICABLE ON WRIT OF EXECUTION: N.B. WAIVER OF WATCHMAN -Any tleputy sheriff levying upon m attaching any property under within writ may leave same
without a watchman, In custotly of whomever is fountl in possession, after notirying person of levy or attachment, without liability on the part of such deputy or [he shenB to arty Plaintiff
herein for any loss, destruaion, or removal of any property before sherifTS sale thereof.
e. ttPE tJP.ME and ADDRESS of ATTORNEY! ORIGINATOR-and Sl_GFIATURE 10. TELEPHONE NUMBER 11. DATE FILED
SAIDIS, SHUFF; FLOWER & LINDSAY 26 W. aIGH ST. CARLISLE, PA 17013 2~}3-6222 8-2-D1
72. SEND NOSICE OF SERVICE COPY TO NAME AND ADDRESS BELOW: (This area must be completed if dotice is to tie mailed)
CUMBERLAND CO. SHERIFF -
13. 1 acknowletlge receipt of the writ _ _ 14. DATE RECEIVED 15. ExpimtionlHearin9 Date
or complaint as indicated above. R. AHREN$ _ $-6-D1 4-1-01
i6. HOW SERVED: PERSONAL (-) RESIDENCE - - POSTEDZ) POE ( ) SHERIFF'S OFFICE ( ) -OTHER ( ) SEE REMARKS.@ELOW
77. O I hereby certify and return a NOT FOUND because am able to locate the Individual. mmoanv. etc. named above. (See remarks below.!
Time I Miles I Int I Date I Time I Miles I Int. I Date I Time
22.
~~ 0.1rC
Int. Date Time
18.00
4i. AFFIRMED and subscribed to before me
4z. day of Ati(;Li.ST , 20 4]
8.63 I I 26_b3 I 12.00
39, Total Costs 140. Costs Due or
47.
iJOtaRal
ury r.r rv~ n, ... - 1006 .. ... , y _. _...' -
m aaton IPO~ Miff. 'i9, Cabnty SheriR /
60.I _ ERIFF'S RETURN SIGNP.TU_RE_ St. DATE RECEIVED _
OF AUTHORIZED ISSUfFIG AUTHORITY ANO TITLE - - - -- _. - -_ - _ -_
1. WHITE-Issuing Authority 2.PINK-Attorney-3. CANARY-5hedfts Otgce 4. BLUE-Sheriffs Office
.!-
ro
~;_ v
Gv
e' `--~
d~
~S Q. ~~
To- ~ N
~ p t5 G D
`~
W v ~ (7
~1~ S.
Q P-i
-' aaw~-. .€f:~w~'.`z-~:wa ^a~~a~:,w9u~~~; _ _..9ifiis4S~N '*' .... :._ -,~ ., i, ..:;.m ~c~a~ .ems" .....s:,-. ,. .n~-,e-
MELLON BANK, N. A
Plaintiff
v.
H. W. BARKBY, EXECUTOR of the
ESTATE OF KENNETH I. REPP
Defehdant(s)
NOTICE
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO.: O!- ~I6~7
l.j v~l, `~
CIVIL ACTION -Law
MORTGAGE FORECLOSURE
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 properly 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
800 - 990 - 9108
NOTICIA
SAIDIS
SIiUFF, FLOWER
& LINDSAY
26 W. High Sfreet
Carlisle, PA
Le han demandado a usted a la torte. Si usted quiere defenderse en contra estas demandas
expuestas en las paginas siguientes, usted lien veinte (20) dias de plazo al partir de la fecha de la demanda
y la notification. Usted debe presentar una apariencia escrita o en persona o por abogado y archivar en la
torte en forma escrita sus defensas o sus objeciones a las demandas en contra suya.
Se ha avisado que si usted no se defienda, la torte tomara medidas y puede entrar una Orden
contra usted sin previo aviso o notification y por cualquier queja o alivio que es pedido en la petition de
demanda. USTED PUEDE PERDER DINERO O PROPIEDADES O OTROS DERECHOS IMPORTANTES
PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE O
CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINR CUYA
DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle PA 17013
717-249-3166
800 - 990 - 9108
MELLON BANK, N. A.
Plaintiff
vi.
H. W. BARKBY, EXECUTOR of the
ESTATE OF KENNETH I. REPP
Defendant(s)
COMPLAINT
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -Law
MORTGAGE FORECLOSURE
AND NOW, comes the Plaintiff, Mellon Bank N. A., by and through its attorneys, SAIDIS, SHUFF,
SAIDIS
SHUFF, FLOWER
& LINDSAY
26 W. High Street
Carlisle, PA
FLOWER & LINDSAY, and files this Complaint, alleging in support thereof the following:
1. Plaintiff, Mellon Bank, N. A., is a national banking association organized and existing under the
banking laws of the United States of America with a principal regional office located at Two Mellon
Bank Center, Pittsburgh, Pennsylvania, 17259.
2. The defendant(s) are H. W. Barkby is/are an adult individual whose last known address is 2015 Tall
Fir Drive, Dover, PA 17315.
3. On or about September 8, 1998 the Defendants borrowed from and agreed to repay to Bank the sum
of forty-eight thousand and 00/100 dollars ($48,000.00) ("Loan"). As security for the Loan,
Defendants executed and delivered to Bank a mortgage ("Mortgage") on that tract of land together
with the buildings and improvements erected thereon situate in the Borough of Lemoyne, Cumberland
County, Commonwealth of Pennsylvania known and numbered as 711 Hummel Avenue, Lemoyne,
PA 17043. At all other times relevant hereto, Defendants remain the record and sole owners of the
property. A description of the property is attached hereto, made a part hereof and marked as Exhibit
..A,.
4. On or about September 13, 1996, the Mortgage was recorded in the Office of the Recorder of Deeds
of Cumberland County in Book 1341, Page 150. A copy of the Mortgage is attached hereto, made
part hereof and marked as Exhibit "B".
5. The mortgage was never assigned by Bank and is still held by it as a valid and subsisting obligation
of defendants.
2
6. Under the terms and condition of the Note ("Note"), defendants agreed to make monthly payments to
Bank in the amount of four hundred twenty-nine and OOI100 dollars ($429.00) beginning October 5`"
1996, and continuing each month thereafter.
7. Defendants have breached the terms and conditions of the Mortgage and Note and are in default
under such terms and conditions because they have failed to make payment required in accordance
with the terms thereof for July 2000 and subsequent months.
8. Defendants are presently indebted to Bank, as of July 17'", 2001 in the amount of thirty-nine thousand
and seven hundred and seventeen and 27/100 dollars ($39,717.27) itemized as follows:
Principal Balance $33,895.41
Interest to and including
07/17/2001 at $8.87 per diem $ 4,081.86
Late Charges $ 45.00
Attorney collection fees $ 1,695.00
Total Due $39,717.27
SAIDIS
SHUF$ FLOWER
& LINDSAY
ATfORNBYS~A7'~LAW
26 W. High Street
Carlisle, PA
9. Defendants also agreed under the terms of the Mortgage that in the event of default thereunder they
would pay, in addition to the charges listed in paragraph 8 above, cost incurred by Bank as a result of
the institution of theses legal proceedings.
10. The obligation owed by Defendants to Bank continues to accrue interest thereon at the rate of $8.87
per diem, through the date of payment, including on and after the entry of judgment on this
Complaint, and continues to accrue late charges, and attorneys fees.
11. In accordance with the Homeowners' Emergency Mortgage Assistance Act, Act of December 23,
1983, P. L. 385 No. 91, 35 P. S. Section 1680.401 c et seq., Act of January 30, 1974, P. L. 13, No. 6,
41 P. S. section 101 et seq. a Notice of Intent to Foreclose and of Defendant's rights under said Act
was forwarded to defendants on March 9~", 2001 by and through his attorney Gregory L. Lensbower,
ID #43899 of Stonesifer and Kelley, P.C. of 209 Broadway, Hanover, PA 17331 by United States
mail, first class, postage pre-paid, and certified mail, return receipt requested. A copy of said Notice
is attached hereto and marked as Exhibit "C".
3
1 ,
- . ,~~,~.
12. Copies of the mailing receipts, postal forms 3817, evidencing receipt of said Notices are attached
hereto and made a part hereof and marked Exhibit "D".
13. As set forth above, Bank has made demand upon Defendants herein to cure the default under the
aforesaid Mortgage and Note. However, Defendants have refused and failed and continues to refuse
and fail to cure this default
WHEREFORE, Plaintiff Mellon Bank, N. A, demands judgment against H. W. Barkby, Executor of
the Estate of Kenneth I. Repp defendant(s) in the amount of thirty-nine thousand and seven hundred and
seventeen and 27/100($39,717.27) dollars plus interest at the rate of $8.87 per diem through the date of
payment, including on and after the date of entry of judgment on this Complaint, and costs, and for
foreclosure and sale of the mortgaged property.
SAIDIS, SHUFF, FLOWER & LINDSAY
Dated: V~~~-y ~ 7, 2 00 /
0 By:
J a J. Kop cky, squire
I # 53147
26 West High Street
Carlisle, PA 17013
717 - 243 - 6222
Attorney for Plaintiff
SAIDIS
SH[JFF, FLOWER
& LINDSAY
ATI'OIUffiYS•AT•WW
26 W. High Street
Carlisle, PA
MELLON BANK, N. A.
Plaintiff
vii.
H. W. BARKBY, EXECUTOR of the
ESTATE OF KENNETH L REPP
Defendant(s)
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
NO.:
CIVIL ACTION -Law
MORTGAGE FORECLOSURE
VERIFICATION
I verify that statements made in this Complaint are true and correct. I understand that false statements
herein are made subject to the penalties of 18 Pa. C. S. §4904, relating to nnsworn falsification to authorities.
Mellon Bank, N. A.
By:
Laura orta
Dated: ~ `.17 0
SAIDIS
SHUFF, FLOWER
& LINDSAY
ATI'nR[~ffiYS•AT•LAW
26 W. High Sheet
Carlisle, PA
5
_•
~~~ ~ .,
• ~"'w ANNK BANK ABPP 8Y
'
. P
AgPP
fTOKNEY-IN-FAGS
~,
~
P
KENNETH
~ 1
' " MELLON BANK N. A. /
i
f
p t
3.:
e ~
y
x..nJer w.le
NEI.LON BANK N. A. i .
P.O. BOX 149
PITTSBURGH. PR 15230-0149
{
V/NNW3p16
- 0275 a1112b
Tax Parcel N:
i
f
~Yi lp4tomf4LE~QrcEtatlaAfaBauedie LaogyEpHmao68.68p6)yowauPLLat 69. SseBoa$PBm NO.l Alvmon.
- •~Hac~dih~'Q'HboAJd Piga4U•4a0~b4ing~mmL AIBYdaawlOCM1N DseE BootL•36 Page 343 rEC4/dM on03/lHl9; aamg ~ i I
NiaBteQratal(9raF4'mmfrgypbp(~y per.,
tt' i
~~' I
a. 090696 11:49 .~;
~.
IL~ZMa xw.l?rYll (.('?NI LU IaM ~'F
Ss- PagoSofS
sa... ~a,~m"..'~i.'~;!`er"4.. ~Prt •s~. ~~ ,.0011Kt'iY31~kA~,'w~."e'Igt~,~E~„„~:t EX3k+r .aµv. ;-- ... ',,. i
~t;r j
.,. .~{:~~'~i, i_I
t,,,;~?j•~1t-End Mortgage (Secures Future Advances) ~4-V,ollon„~n'~ft, „
•~PCtrnsYlvwtiu•RealaMn[iul l•nxixaxY AmnantS dg,904.44 nnu kn awm+t.a wxrtdr uM •'
'TithtMUngngc umadc ihi y,(Z_ dar ni SESTF+j1DER
4Y$¢_ Ixaw~n
tIR('18 gNNp 1rEPP 17Y
AHRNFTN Rr;PP•ATTQRNZSK-IN-FACT
&@NN6Tr{ I. R6PP
(ttcrcinaRcr ea[Icd "Maagagor'):md _
Mallon Bank, N.A.
SO Saath Market Square; Harriabura, Pa. 17301
(hrreinaltrr rolled 'Mortgagee )..b a.+cJ herein, the term
Matrigagar' rclco indi. Wuafh and cullwKivcly w al!
Mott$agnrs, and :.n snch puiscmi sh:d( M: jointly and x'crall}
Mmndd by [hc term. helxul.
Mterruv, KENNETH Z REPP
(hcrcinaHuc indnidu:Jk and >bl{ntivify ealkd 'fioinwcr'1
Ihnsi Ihavc) a:+tah}r+ha'J a line nl credit wnh Mortgagee.
csidcnccJ by an Agrcrmcm datW
SEPTEttBER 46 _ 19 ~~
(which agracnu_nt and any ;md ;dl axn•nshms or mncwa[x
thnsnf in wG++le nr in pun i. hcruncr callN the AcrccmunP);
Nang thmrl rrr. tax irtdaac Mortgagee w mak.: hwm and
advancu~ 10 or nn M•hall of fhnnwur pnrsunnt m We
Agreement, to sernrr Iltr parmrnt of Uu• prin'yral of and
imcrcct nn such Lmn+ end .advaneu. charga:• lnr hrrc payment
speciftul in the ALICerIICeI. and all other sums Juc ur which
miry haavme due under Ne agreement {'sll of which is
huminafmr callau tha•'phl}union'), and ar vcurc pa:rfnrmamv
of nfl nnlig:rtions mtdrr tirt agrtsmcm :uul thiv MnNgakx:,
Mangugar he th<K prc.a•na, imc•nJing r<+ I+c legally Mwnd.
Uous gmm, harg:nn, sa•Ih and convey unm Mong.>gce and irs
suecasem nnJ ao~pnn all char wnaln prvpcrly>ilaatIXf in
S 8£A
County, Prnnnylv:mia, :md more particularly Ja:+a'riM:d in
Fxhihit'A', nnachW hcreW and rwdu a part Itcrauf.
7rtgerhrr \Vith All nc~ hndJm~^. anJ +mpfnva•mcnG- mrw nr
herraller erect W thcmuaa, m< pnaalages :md appurmmmv
thureunto Gvttmctng, anJ tM• n ersaons and ramaimtetb, rents,
ifsues, mtd profits menu.( pdi o(whirh n flerem:Jier called the
"Mortgaged Pn+lronc );
'In f(rrve And'1'n lfutd the stmt mm~ M1irxtga}gx and hs
saacauors :md ;rssigns, Fnrcver.
PmNdavl finwtvav. that if the prinripgqi amount M (he fyhtigati+m
• t `.~k ~ 1:•.
iw'fiich t+ thr nm>tandmg principal traiancc of h+am anJ adrartcet
made pucvuant hr the agrcemem and any amiwna trhra•L
Mung:rgec has <luad rte pay umMr Paragraphs Fifrt, k•vrnth,
and 6rghth hcreuQ +hafi at any urns cuxW tM: nmar...t shrrw•o
shows;, mu amuum to a:xa'cu rhwatf shag mn he secured Py tho'
Mangagc: sad pran'idcd tunhtt that upon payment in [u0 of an'
atnewnis xcurut hc[ch.. then, upim wnt[ca notim to Mortgaget
im Mangagnr and rcwrdariun IB' Morrgagrc of satisGction o
x4angagc, the cvaate {tcrchg gfan[W malt he dirchargcd.
M1tortpy[,xm rcprexnrs.warrants, rrrveaanfx.and agrees rho[: _ `
F'ir>h This Mnngagc and the litm erratW hcrr:hy anal{ sours rkn ~
. nl}• eri>ring inJchmdnua<, rem aWr fu[urc advances nude
ppnr>rrdm to rtu: tgrcumena {nc~ [erats of which are itaarrpuntod
Iwrem M rclirenec), including Nnsc whicH Mnngagee has a
commctti:d ohligariun nr make un me term. and wttJithrtts vea
hnth in this Mortgage and in fhc Agraxmcnt, arW shalt continue
in tali fares and clfcet mnwitinunding tfiat from tirrR R) Gard nA
ur afmr the dare hereof, nu ioalebtedmss may he dmsunding
under the Agrccmun[; cad nc~ xSnrtgagc sort said }lea shall be
JivhargW amly upon the ++u;urrcnce of the uMWiliant4 xtaec6
alone.
~eavnd: Maxtgagor wilt keep and pcthxm alt the urvenan[s and
hEilCihcnls aatneuinrJ hc•rcin.
7'htM: W'itM+ut prior written consent of Mortgagee. Mongagysr
snail not ou+u rx pa:rmit IcE. i or a:yuitae{e title ro aU ar poll of
doe MongagW Prnpeny to r4,tarme uusicd in am ether purvw rrr
cn[ily by ale, by arps:ratlon of law, br in any otRer manner, 1
whctficr w+lunurily of imolunrarily. I~
t'nurtL: Mortgagor uarmnts tha[ Mortgagor nwnt [be tee simple I
title hr Ute MongagW Pmpcny free and clear ut d11 liem, ciaitw, 1111
and enrumfiranres euxpt thama: us which Mortgg~' gee has
con.+cnrcd in writing. Mortgagor mvcnanrs mar the Mnngaged
Pnrpeny shall cuntinuu to he hold frea: and clear nt all licm,
claims, and cncumhmnct~ czcupt m cxpsass[y pmmi[rcu W
Mnrtga~rcc in wnttng.
Srinlu Murtg:rgor Witt pay when dttc a4 taxas, aasc55mam[s, itvirs
and bthar < argcv un ur agairot mt Mtmg:rgW Pmpcrev whitlr
m:rv :main priority over the Ilcn of this Mortgage. It MtMgsgof
fain W do sa., Muncdgcc at i[s sole option may ctett w pay >uaYt
UIXa3. acerssmunu~icies. ar other eharget Ar Munraerrs
rcqual. Martgagdr shall Jclis<r wrrnen avidrnar of a I lttcb
peymcnts ar Mortg~aga:. - ,
l'iath: Mnnga~xlr slwli t:acp thu Mor[}!x~cd Pntpcm in good
repair, caupnng ooh rmsirnahie wqr and tor. Mortgsgor wrL
(1rremit Mon ¢ee's authotirral repr¢vtnutivca w settee span [hC
h•7nngngetl P~r4`p:ny at anv rrrsonaWe rime far the ppurpnsaof
inspccnng rhrwndition u([hc Mang. lSW Propcr[y, Wf[hont ~rlit
wMtcrt axmxcnr of Mangagce. Mongagav will not permit removal
nr demolition of imprawcments now 4r hcrcaFlCr errgW un the
Page 1 ot5
eaoxf341eace 1S(3
j ExN1B~t ~
! .-, r,. ...,
.. .~ ,...., s_. .. .
:.- , , ~ - ika~. ~ _ ...
;4lungageJ 1'nqu•n), nur uJi Mungmur pannil +\::+w' of Ihr
Mortgaged Pnyxm ur :Jrnndu+n nj impn+canrnl+ mwv ur
hrrcahcr Cnrmd on the Munga%rJ Pmlxny which w\wIJ
adversely affect Ih nuu Act \alnr :a+.lelrrminttl by Mortgagee.
Seventh: The 0.•rm 'haruNnm suMg:mccs in<ludsa nnv
suMrmas, ntagrri:JS, or wnsns Ihai arc ur httunw rcgul:nrJ
by any grncrmncNal aWhurily herauw of toxic, Ilamgnuhk.
Cxpltwi\ri. arffU5lvr. rfllCtl\Y. f.Id10.nC1il'0. rrr OlhCr prnperilati
that may be hamrclnus lu human heuhh or the rnvin>nmrnr. as
well as any muteria4s or suhsruntts Ihar arc IisleJ in the Uninnl
Smtaa Dqurnngcm of Transixrrmlion H:vaNum MatcriaLa
Table. us nmrnJrJ fmm rime h+lime.
~'Inr1~:Iaa+r u:nr;um Ihar Ihr Mungacanl Prvlkny d\ns nrn
mnlaln am haiaalru+ euh+ran.,s anJ Ihar na ph).ieal
conditions h;vrNum to human hc:drh ur s:Jciy arc pra'scni on
nc~ Mnngagtvl Property, eserpt as previously JachiseJ na
Mortgagee in writing. Mortgagor will ncuhrr came nur pcrmil
Ihr dcivxig. cnarian. ur prazmcc of :my harrrdous suhsmnca's
or the crcmion or cwslcnm of anv ph\air.J amnJilinn
hararduus hr human health or +aklY on the MurltulgcJ
Pmpeny'. Munga~mr will tomppiv :n Mr>ny'tgur's expense with
all taus, rcgulariuns. talcs, orJinnnca. anU orJcra of mans or
wcrnmcgtal ngcm:ias rcg:nding nc~ \tnngayn:d Pnrprrry. mw+
or hercahrr in cxisrcncc, including hm nnl limited rn ihr*r
relining hg bars Wuus sttMl:InerS. II Mongngpr I:rils lU Ja H+.
Mnngagrr may, at iVS option. gakr anv aanm it ducros in its
sole discretion in ha: nttccsary to c(Irrl ume such cnmpliancc.
MungaAn:c shell hoer no uh)ig:niun nr linhniry al any rimy wim
reguN In hxzurilous suhxranaxs or any othcf phvsiaal
mnJigiuns which may exist on nc~ MnrrgageJ Property al any
rime. Mnrggagrx will inJCmnify arts JcfcnJ Morteagcc against
any nnJ all liahilirics nr losxcs of any type whaisrtevcr which
Mmrepgcc tmrv incur by n:aon of env ha~xdous sulrsmnccs nr
other phvsicgl arnJigions which miry exist nn nc~ MungagN
Properly al any rime: pnrviJeJ. howuvrr. that if Mnngggm
shall ncyuirc sale pussc¢iam of the Mun¢agad Pmpesty.
Mortgagor .hull h:rvr nu uhhgalion unJcr this paragraph on
acmunl N anv amdigion which may Ihenancr some into
rci<tence anJ which w'as rem rnu.rJ Uv a prc.•iuusiv existing
condition. Mortgagor's nMigariuns under this paragraph shall
survive mr tamin:niun nnJ smi+I'ncriun of ghis Mungxge.
Murlgnfmr.+hali keep nc~ Moncuga•,r Proparry insunJ
loss by fire. nll other hamNx aongemplmcd by the ram
nl coverage' and sorb ngher risks and Imrrrds as
,ce shall require, in such amounts ns Mungagcr shall
Mongatmr will purchase Ilrxxl ittaarmce ax and Id the
cyuireJ iw Mongager. "Rlr insurer yr insurers will M:
hY 4lurrcagur, suhln9 ro appnwal Oy Mortgagee: and
t shall nut he gtire:ar+nahly witlthclJ. All ntsuraiwc
shuU amr:tin lusz ppuvahlr dausrs in fawn of
;ec and shat br cnnml:gbir by nc~ inmgrer only after
~ihen mxice by nc~ insurer to NlMtgagcr. Mitttgagrx
sliver wrioun es'idcnm of atl such insurance to
If >hxlrneor Lnls h. nmam :mJ keep m faro our reyuifcJ
m+urma' or r:ul+ m pm the premiums un wch msur:rncc.
Monpagcc al n> Bole opton m:n elmt In Jts sn. In the avenr uT
hw+. Mlx lg:rgur shall givr prompt nniier lu the insures •rnd
hlaugaew. Mung:recr at nr opgiun may Glen w make proof of
hnn II J4nrgavor Juts not Ju eu praimptly, anJ lu mkc am
dellnU II Ja'enl] Iltteltif(C IU prCSCfVC Mllrlgai~.'Ul5 Ur
Mungagcr'+ nehu mlJrr an\ Inwrantr polity. h'Irrnylgrrr
hrrehy ap~xrinrs Mungagrc ailJ its auu:rsson :md assigns ~-
hlorgeaeurs :rhonuy-in•hnl w endorse Munul_rork name t
any ~ra~l or check which may be pa)uhk ru Murrgayx in order
w nglccl any in.,ur:mcr pnuccJs.
ulnfir. hlongagus hrrcl» agnty in repay w Monytgce tin ~~
JemanJ all songs which ~Mungagrc h:n clutird w pay unrkr ;
Paragra rhs Pillh :mJ liighlh anJ any ants which Mongagrx: has
ugaune~ in inking aniuuls) pa:rmiucJ by Paragraph Scventb, i
and all such sums. as well x+ any amnunte for which Mortgagor
hat agrccJ hr iJrmnih' Mnngagrr under Para6'ra{gh Scvtnlh. i
sh:dl. unlit pniJ nJ Mung:gg~ ••. ha: a parr of the OMligarion anJ
hear .men<r ar Ihr highcel role prrmined by Ines (hut not i
rzccrding thr amtrmwal colt or colas ul inruasr applicghh: to '
the OI•iig:ui,m In nc~ Icrm+af Ihr .AGrccmcnl).
'1'entlr. Subject n+Ihr rights ui Ifir hulJrr of am prior mlxigage.
Murtgncr.r hcrrhv :coigns hr Moneagcc, as fuithcr security for '
thr Ohlig:n ion, alt pnwcrJs of um' awarJ in amncdion witA any >
ronJcmn:d inn nr ngha•r taking ni ihr Mangagcl Pnrprnv or oily ~,
pan ul:rcaL ul p:n nxm girt amvayancc in (icu oP
cundemnnr reg.
P:Icrenih: U nc~ Mungagad Pngxnv or any portion nc~rmf
umsiws of a unit in a amdomiriium or a plannanl unit
da'vch.pm..nt Mortgagor shall purfurm all of Morr~ugoPs
ohligalions under nc~ declaraliun or txavenanis creaung or -
ganrrtin~ nc~ auuhmtinium ar plannatl unit skvrhrpma:nt. ttlc
hy-I:nv}, nJax.:mJ rcgulnlinns of rho cnnJOminium ur plannN
unit Jc\clnpmrng. nnJ n•Ia1rJ dorumrnls. 11' a arndnminium nr .
planncJ ungl Javrlnlnncnt riJrr is cxtaVta1 M• Mortgagor and'
fecnNeti wi"I this Muneayr, tlrc ruwnanls and agreements of
such rlJrr sL.ill hr ina!rrymncJ herein :a if the rifer wnrca pan
hcrcul.
TwclMg: in r..drr In furl her secure Mo[tga[<n:c in nc~ event of
drfauh in the paymrm of the Ohligariun or m nc~ performance .;
by :41Urlgagnr u1 an\ of Ihr cuvennmC. Cnndlllnn%. or agrGCnICULS'i
annninN herein. Mortgagor hereby assigns and Iransfcrs fo
Mortgagee and its wa'aosun :ngJ assigns nny and all Iwsca on
ghr Morgli:gCJ Pnq+crty or nor pan Ihc(mf. now existing qr :,:
which nine lirrrdtrr he m:w4c ai any tirnr, tugetl+cr with any and.F
all rents, csuas, nnJ profits arising from the MnngageJ Propem ai
unJcr sail Irlscs or nlhrrnisc. I\1orrgageC shall hove no fi,
ad.ligation rn perti+rm tin Jisrhargc arrv tlmv or liability unrkv
such Mascs. hm shalt h;n'r full amhurirarioli ur aollccr all rcnia'•.t
under the kasrs or nnc~nvisc, mW nr rake any ;region. including.;;
Icgni action, it dams natiassarv to preserve Mortgagor's or:;~
Mortgagees riyhgs unJu such Icgs\•a, Mortgagor shall nuia;~
adlra am'rcnl m advanm of the dare it is due. .,,
,f=49 BuJlII.3~iPkgc 151
~a {`~Y fG. ctAtr l_G+t4)LA 6w
773r1eenth: in [hc cvrnr tlnn Fuy any Wxnnacr has rngrgrS in
trauJ ar ntatctiat mi rcpnx•nra[hm in a+nmxtirm with nc~ litre
ut cTCJir aviJa•nar3 M' nc~ Agracmrm; fl+j Ihttnnarr(o) fait to
max:[ atrv of tM: npaymcm terms of the A~~•racmenf: (c) netiun
n[ inaclu+n art xnv Franr.+ucr aSvcrn9v u(ftt1< the Murtg:rgW
Prt)peny, any other property xxvring nc~ Agreement, or
Morigagrvi rich[. in the Mringa~gaJ Pmprny nt mafi nihcr
pmpcny; (S) ;nn Eh+rrmscr sc{ls or mherwisc rnmfccs
uavncxshrp of the A7nrrF;rga•J Pnq,<nt• ur urmaxnlc whir is m3 a
MArtgagrfr. (cl am' FjtnnnraT Sias, and the Death wilt rattnlt in
traruffcr of anvm whip a+t fhr Mnn(,~agaxl Prnprny m srnncnnc
wtw {s aot a Marrtgagart: {n a[! &+rn+urrx hoes Srad; w (g) a
&rmnvcr N an nuruficr an+ccr, ;tv J:linaJ in Fixrctal Ra•4rvc
&t.•t13 Reguhrunn O, r[ Mautpapa, and a a++n3ithtn ScaiiRW
fn a :t(51mr1' [a)an a4lY'[('ra1µM :tgreank'at a'K•l'lrla'd b4' filar
Bnrnnvcr ha.+kavrrcJ: thrn, m aJ.LUnn to ctcre6ing arty'
rights which Mhrrtgrgat may hrve umltt the lcmis o[ the
Agreement nr any agreement securing rcpa}•mcnt nf, nr roaring
to, any pnninn n! the fYnlilatiurt ur ugfn'h am nthcm`nc
fpmnYddcrl nv law, Mongagce may hmchM upon the hhxr),ngnl
Pmpcny E+v apprt+pmuc haul pneoalintss and x11 nc~
Mnngfged fsmpcr[y (nr me •vtlcrn:m of the Ontlgatimr, msu
M sm[, and nn :+Itomac'k commie i<.n cyual to rh< IC~scr of la)
211 T. of nc~ anrnml duo ar $3pttat, uvinc~ccr ix grratar. or {hS
the maximum mm~unt parmitrN by imv. Mnngagnr waitxa sit
acmplions fn+m fa+y on amt n:3c n{ [hc lArrte:+~•d Pn>ixrty nr
arty part [henarf.
Fawtteenthr '}'he rights and rcmcSin of \gnnga¢ce prrn iSaxt
hcrcirt, in the Agrcctncnt. or in am ulitcr agnx:mcm xcuring
repayment nL nr rclarfng m, an) Ixvih+n of the tlniii:rrinn, or
' ulherui+e proriJeS trv Inw, i~tl >u avmubtisv oral may be
punucS smglq.eomvrtertih, itt sutt'ciaivciy m Mongagaa;+sok
diuia:4an, and rwy he cn:nYsat as ohen :tz necnury; and the ~ +
failure w axerci+u any such righnrr rcmeJ} shall in,^nn even[ he
ar+mtrneJ aaaw her ur nlwu of the vme ~~
i7nremh: Morrl:agee• w[hnut nntias ru Monwgrq may deal
with the UMigahun unJ aty avtlatrral sttvriry Nacfor fti aucb
manner as tv[a+t[g:alne may Jam aJvivhtc and may
pputial jra}vua[ G+r ar sale, ttteav:. or azrmpromtxe the
OMigrrhrn. [nay xuMtiturC nr rclcasc anq mitateral sawfty.
and may rciase and J(sctratnt fmm fiahtitty arty Hormracr, aB
wirhnn( rmpniring nc~ ctimtc gmnras! hcrchg w ibc nlrttprbac
nt Mantfagax hrnunder. - 1
Fivernlh: The cnatnanrs, amJitinm, and agrmmcnts
amminaf hcnin shalt hind tht hon. personal reprrsen7ativr~l
and wccaavT of Mortgagor, and nc~ righ[x and privilc €$
txmtaine3 hcrcirt shall inure [a the suaaaswrs sad assigru o~
Mnri}.+psY.
ticvenhenlh: 'Thin ttong.rl.'r shalt Dc grT•emeA in all tupttxs by
the Taws M Pennsyhania. !f arty pprtnt+iort hcrerffahatf 9x aa7
n:;txm he hoS ina;rlW nr unentnraahle, [w other p~vatision-
nhall he alfccrN lhctctrv. anJ this Mort~agc shaft 6c mr>1z6truel
ax if the invaiW or uncnfnrctahte pxraisron had neaer evert pact
UI il.
m
~~
~
.~ .~y.,._:. .
~
m ~ ~
:r
m ~ n+
a m H
o ~ v
Q
~
. Mrr.•
~• =t+
S
•MMr .~...
P
__ iSrge3M$
AJUg~c3~_PAGE` „~vri~
`~
I~
''~
s:~q ~ ~ r
6 TY:..
F,
I.
~~
"'"" ANNA: OANN RRPP NY
q~'. KENNETH AEPP.ATTOANEY-IN-PACT
yE~,7 KENNE'CH I. RSPP
(y.'
E;: Ir k
MBLLON BANK VN. A.
C~,
4F$~_ 1'~
{. R.rnJer ma.lb
MELLON OANA N.A.
4. e.o. aox lag
PITTSBUAGHr PA 15230-0149
t
VNdM3016
0295 08126
TeK Pucal N:
i
4
AiY~NIe&fil6ePaa2otl>Ad•dlnlcedla LemPyae HOmotbbefn6lmwnuRLo169. Secd4NEP1eA NO.tRtvmml. i
-Haa<ded$rSRi'd~HU4AF~4 Fiys/O•eed~befnH~mae A3tYdeswtUeO~bt Deo68ook436Page 34Srtmdedm03!lB193 sew (~:
We1NV6nlQd~:BFQtltlbbifed6bg53Y.ef~. ~ _~
Id
ri.
A
090696 11:49
e.
IL:Nn W+.IYN(11.(:!M(1.!)IRM _ YAgeSOIS _ sii ~.
kit}' r t ~ r, d ~;
>~, f'__:~ .. _ .uvnnv'U!IY.i~.°"bT7rL+~ ~-Jw~~t^V~'~°~A 3 lf'lrY~. ..L~~ -_ ~ ..-3.i
, r ~-~dtwFr,$•z a - .-.••-4-~--
w ~~"":. >~ ":sue` """
_ _
.._ _. .sr., _. ~. __.. .. ... ,. r_.,, ..,_.
i ;aj~itr»:~:•V*c+w°~~ ?aison~st Csav'i: B.in3Akl ~greomant °~J" i~9~l;on SEaarak
.L \1 i\Ix h A. :I ;'U Ilo IS•upl ('t•n.11)l+r.
".. ,
-
1 '~ 1 IA'1KEP 5y'IANE ,
4:.:a~:~' ~1v~~ a
`
~
:
'
114N 1..~r P.°.11,1'...,\'L'\ irlCl _
.
_
1 i.
I
:rtiC as 1 ~.mu. vnl.'R a. i u xl'nr ~IV . n11 .1y1 ,.In a,\,m ar Ina.., al "ya ur'nn:n lnrl nNnu
...... ., ...
r -
-
+ ~ A 1 eI On LS /Ob I n., h mw nu io II : m : J 1 , M 91 I t nU i'crmnJl (rcUn
u` _
t\ IJa I"al h In IImJ r'ruU Mxw); Ix hyn
't, .'In Tif :nr I' llll.~~\nC r (la' I T 'x ) ~ 11
;A.y .r Ir ^dar a n. I I h.r.v r Ind r u n y va I. r n.., . 111 I n ac rqa 1 6 vc0 1 nam'c of r xhl to
x
'
t n I In 'll: I r n tr .W 1. ul I' 1 1) n n I v Lrhh ul,Iutlunlb lu Jr'ICnnlnC InJI nn
u
I I t 1'n, Y tux nrcr.
- .:In .illtl Y.I r\Ir a1\.I. vlrcJ .r vU,v i .Inux.ul Ix'Jr wn.n lalclxm inmk,t,
L t- -
n.vY..4 .nr.. ... n. ,rn.o ran l'L..\~R111<nulll ll nu¢.
t .\(" Y.x`IV kCJ. ^ 1 v I M f I '.ol \ Inr n 1 I t'1 tool Ilnlv'UI: Iry 11 r II I hJYI' I%LI1
„ ~ -
u•n a.nau I n a, ua ~ I u, Inn: .n a,P r1 a ul) a n:.a n. d r n, v nnDlc olgxrtmmly h, Uncrmme
. r.ainf C'1 0 ~,:.l.a' a I
~M ,v ca exC~.vcJ VV'Jm wa. lul; - (
F'inaner i'hur ec.Vl nlru rc.mph uxa«arnCa. the annul lx rural l;C rn¢ItvluJVa nl)•nl,naaWnuluhi'nlnin. -
.\r~N:cio-r R a•mnN Clhc Ixrx+N. rod annwtl I<rccmagc tame Ixl1w me tau nah'al, haJ Ix, curtcm rnca al Inc Unu• of axnlJClxxt of Ihu x.
AprcCmCCI.
.~ Tc A.N\l \I It%lF\IA(td.\I't 11 'h nxcitxn lnm unr nr hwJ Un.n xiaa\uhµ,i to the lrmnuhunx evphnluxl hekrw nnU -
- qj:., t: \.rca, n'hl mint ANNI \I IYkCt \1'A6t k\IF ull h'dalcrn n'.1 In Janl rag uvmgnt iu the lnJCi. the
I L J
I V+
I
'
1
I
I
e'
b
\N pAI
i0
a
I'hli( 4'N~ItV:t:
Jl M
TN r
.
~..;, ~ .
n
. , avv. a
:n
1 rv:ua a
y A
x
0 Ixm
a
.
.
w
. gc Ix
kA
1 I \\n Ih
a lh
mu
Un
•hul*
na
I~-
r
l
Rm
'I
nh
J
n
l
J
n
l '
n
u
e a
bv
a
r
V
. p(
a t(av
xn
F m
lu l
u w
u
1
1
c
u
llna<
m ~ - u JI mal 1 ,i (
I In Ih
'
xr rwl. rum ul tINA (F CI L\N6F \
1 ~
"F
<r J
'Ih -
f
.
_
.
t
(
:ry
n
i
' .aura lux.... ,.m \xti1l,U. 1't k('4.N1Al.t kAi
l
al A.754i N, 1]"'ll)a.nr~f~i+~ ig ~ -
~
~
j (inl:l Inr' lr1J tt1 nix ~, nnr.l hlllll niC I I~•Illlnr a1\Ir union Ix'yllra n InC )trll•JIC fJIC Ir(
F
1 t
'-I
J
Im
J
~S$TC{rP1 f
4 - '
. rILUq.t.
x
xr
nv
o vanrcyuxl
a
aS,W(
.kcr:S IA64aln1H nr
" nil
ear. W ~+r Jxaal Ik (Innm
vn Inc iuw a
:r
ul In
lulhnvm
hrlhn
le
In
r
y
.
y
v
g
g yu
,
r
4
I~.CFL`iT.TF'[C4:\IAPTAIIT--rnanSa In m uma to I nlt• hwtl.w un nxlcx Il Lnaavar I1 v ulll\e \nnwn:Axwc p xan«J In . -
..
F.;unadn.w.x IAIJMA« nul rl nM rcywrcJ nx nlhry (sn nNnl h'rwnav ill d,v pnl Jue mC:unn ul Ix rCUtldge I Ic w N Iw• Iwx•J un the
~
Ir`a'ti\ Y'~r"m\a•n •I:C 1'(11. 1\ r I InC Ilnl h Itf aallC In:ll Iti}In\Iln lx Illl'r Ih.ll J:IIC I \nh4'al Iar InC r`11 111. Ila l'\J 1111 a'al lx'IIM'ilnll l)n
- ~
- ~ -
;; l..
1 \ r t^C U, he \\\( \1. 1'FkIt NI'A(4 k\4@ ull hC JclUnunad ix ~ II ru ~ u mLnna•InJan IhC nmryyln wJlM
i
'
L
'
:
' - '
1,: p 1 va m war. al N,
rv uu
J. 1
t In ,oar al
+r J
,. the INNI \L I tltl t.\ I U
Y k,11 F udl It l/1fi51h hlght•r ~. -~
r1n :i'nn..('nv ,. ,v. l4>an 1ha r ur aRm}ra. IPC now rut anll ~I~Iq Iu wMrqucnl boom ngvuW Ia InC uhlrlC IntlumC nI MxnminyA - ,
-
' :....:J::J:n~al lhu mnc. .
-
If :bc .mini n« rn YIN:\NC4: LILkkcF wsrc hucJ un Inr Imlcx, % wrw41 ne - 4 Ixr tlry. "Ihn pcrNVlc mlc
-
uma+pmvh ln.ln \NN41L 1•I kt t:N fAGt: liAlt: ul R(
~Lt j¢:nul V+r JJ)~1.
- t! Nwr nJhS 4Snm aR,v< R xxatN m PrnnNNJnu M IkIJwuC, a(ul Cnhrr 11( Inc (alNnamg until ni m It'CUre I}) hx Inc )cumJ ume m mly - - _ -
lnC Y^u •IDVN, reyw«J mnnlnly (4nmcnn ax1 mY I'CI annum hvlxM }(11Lpx (kta Juc, ur 1 I) m) rcyunN mlglnN (xwmrni nfnMICS (A J:ryl y
;nlu ~ee,:mn,a•n the urn amyl nhc(nl biting nrlC hglmm~g on onWCr lO.naLne+nJ wnµu lu:nc lun lBbnm expnlincilhrNnvnnJ lm lrnge7af -
tn .ry'fcC ttv Iha' nnrln 'ry!I C.,MC to 1M 'Nngnl m ycan of NS J.m x111 mae'rar M1y 3 (Yncmage Itlnnu pn ))xan of Vd rL~4~, the
>N\LA: Y3\1'118.k1 x111 he h'1Atlh hrgner lh:m m,c,Inal VrS d:n'al Ihn nuraarU m: rgln x111 rcmammClrttY Unul lne etNl n(my -
-
_.,.'+I:: lv cn+l ClJsa.C.•.al OpC)CAIJkff InCLV1):IlC and unl\n.myllpnJUnllm<J UnJrr inn Al;rrcmfm uaa t0,u mluC Ua)A I\nl Jue. -
' t( %IC O(f.Y Yn(INn Ih11r 1i d\:Ill'J Ip PfnnNnTn41 tx IkLlunrC, IOJ I( n1Y 5N(NdlHilnF• RM1nnY' OI munCY hNrnaaCll l'xvYClla my CrCJIt Ilmll (m InC
- ~
' - v w 'I , h ll l \ n', Inr mura n apnln.ihlr lU my :xmum n ycan ur ht U.m~ otll he i ry rn'maKC jwnnn nlgner JUnng lne (nlNm'Ing ryclr lira
'
-
wr. ~:'i+ ey,la A\NLV i'!k('4A
FAGH kAIF: utliR i."Ndnt Myna GLlnmyeart ul tld ltmi. -
'
--t
'f ( C slY lmm nl MClh!J pI JtJ lln.ln\l', ur YawftyunC nt[In'nnngC to l'JYmC01 A1rlnlnl Y2, NtT,lm lnC (Ini AUY U(Inr i6l hlllnRR
'c\ n Uhr lRn Jmgrxam me lxa
Ln ai lnc line rvlL,
•nuh
i
n ln
I
-
- - -
~ •
.
g x
a
e
a
iK nnAe one alwu<I am lne mJCS,if
' a<r, n...Jb v:: lu IBC r.lt LIIIUna a'\IN'r 11t'J I+Pxw .111(1 un MAC t Jl In a nClCtlllClll
mf 'r 1
ll rrlC lu rai
m
'
t 14S ~
-
,
t
n nuuu
:. Vt
a!f ra
vx u II m•cJ.e +y . ]5 pv nenlnuc Ixnnl 1 n ,e'rn of Nx. J.IV.
Ina .x\YU,tI I Pk< 1 ~ 1 \G4: kAi (: a.m M I/k
5
n h
n -
,
r
1
lg
er
*,anm~can a; VA J:n'a 1. -
C7 'i Ti :mn'J:11 IY(CCn:J4l'rinr N:I allxlrnmlJ r:IIC 1\lx'J \M :1 µlfil(illl•:Irrl'a'mfnl ul:l l'h I IYI\C Cnla'rCl 111111 Nllh \11V. If I IIIV'(mIm11C inill -
rel: ]IC a r.cn: ur ,vu U\xnnunur n Ita:mu I nu longo- mom Inc napnrcnn'nn of Inai :nsccmcm m clfi'd a ul Inc Jnm o(Inin
^.
n I ronunuc m m:ne pnmenla un:ICr I'uymem Methxl p I. Inrn, nn Inc rata J:I\' ul Om lua htlhng rync Ixgrmm~g on ru
`
'
- :
!um, x un Inc unt 6ry u1 Inc 11n1 nllhng grit In xhmh Inr :mnual penemage rau• n hivnl un the mJcx. J to«q and vln)em m
~ -
..,a l^.JJ::cm cy+InlnCJ boon ;mal uO lxnc 1 ul Ihu ngrLChn'JI. InC margin apPNa'ahlc In my :n't'uunl ai Y[ara uI 16t (lap u~III InerCaaC ray
'
.
S ar m {c'uum tiunat'yuamiv il 1 'h'Inrc .u ,vu requva my I R nAa nr I' nnenl \Icl h, ni p2. IhC m rtgrn nppha.lhlc m my
~ -
~1.,'I m .\t
aysudl mucrxM .SO pcmma}a pnu-17n w.uf V+. Ja,v, inc ANNUAL I'fIS('I:N FAO(: kA'fF: - _ - - - .
xlhh l.wnn'tgncr lhamm~'Jn ui W.t J;ya.l - -
nnl sm di me A\NOAI. 1'I'kCF'Nl'AGt: %ATF: Cxunl ]100 "(__gl,_Q~Rluuuan(llb .Invs6CxcCpl lhm when the
r 'r - non I my rcurum hm hen ncre
veJ l'q'21xru'ma•e
wu. IV
nn WCdd ii r
~7rn
m
NN
'
'
^
p
p
r
.
e A
IALI
I•Nr.1:N
IAGF.ILATE w'lll nrn
to Ord ( 7 m rc m u(7!•M1 v~rn), :mU when Inc Itrrrgln h n Ixcn nc«-ncJ M J irtmrrnla, a (nunlx nn mwiJCU
x \\'I V i PSiC°'iT{T!'A Cft II nol cxrscll 25.00 R 1 45.0] R In ,C In Or vMr J. )4 ). nPhlirnhle d
- - -
'
j, I rt 1 Ih en 1 t m} n nil \ nclc Tnl nCgrm m ~IF~ Iwnrd r tale -II n I exu'eJ Inc current rnlC.
'
'
w i im
It
ivnv n a.II J n hCnnt\IYahIJ ur C: e-xc .Im , m nyv rvJ moralltly p amt n IxC r n'i 'll day< (xRl Jue
Ihn - -
,
- :.nrn.^a;xplxla n:v nlli a:laC lu:rl`(11y 1tMnNngon lne oral Joy ul lnc llnl hlllinG Q'clC ix';rnnrnF nn of anCr lhal JalC.
'
'U
, 1
the •1 rrsrteJ
I h: YC ;x al Inr uVl Ix'I, JI IOC bore I e ur nu nl _ \x tll :r IIN \NCiC C'tIAItCF of S 5.00
(nr
- -
,
-L
pm_ran:anlutalthe lNxvl hJUN•LNUa uIIR'pmparlygne, nxaurl lr t)I(I raw um - - _
.:: p,rvm(m((>Plinm: Iahrxoa•mmJkc pnn nl. J:ahcnc<I nai1rw. - _
~;Pgmcnl Melhaxl pl'Lmlhnnrt aw pr laxc pnn'mcnn aw of CHF:CRIAG nCCO@Ir 894-005-9427
-
tl:c ~5
Jan of cxn m.wm (I un.ICnLrnJ IhJI uhcn In a JJa ur Ine J, y ix'lurc n n nut-r ha amttx Ua) v r uill lake the
vmv i n
C~• n
T
'
u
.
s
inrwncv J.
n uhcr the Ja\In.nr vhrx•n:lJ inn unet nv lhcr lnc J., in:rce vhrucnn mlhe Jn•Rfurc
l as husincu
Y,) -: 1 k In k rtlrnl rrn Inr' K t1nJ FY\ Ilca<al.ry Illl( IhC J
1\ I n:lvr 1111Mn1 I
I k
'
' -
.
u
Ca
Y .I trlt: Cn1 a}n na(,t ta
C n In6f :lLClwn1 IO
. .e,. ,ml ortnwnra otihc rcyuvcJ lxnmr tin.
1 :mem Mciha<I p_' Ynu u\II pn'(cvc mx' hil nn Inc aLT of each munlh I u'tli ma I or Ucln<r the 0nlOwn hnICJ nn IMI
[
I -
y
w
`-
..:.rmacvm.ncnMnihc lvlhJm.hCrlhc MlhngaJa'IUrl cnCxlhmmrva Jn~.Jlna lom J:~.nol. husmCb JUy).
-' I aae cnrxen )'ayment Mcttnxt p h yvu mnv rcynlre mC nr \h.mgc m Ihrmcm I\Imhlxl p2 n I Lul JI :my lime ul havC a Inrbc Cm+uff,,•h tnnlana N
hC,<+minmmm vxwnutnwr lUnrvcr the fun anumnl o(ar:lvmrnl rnryGcd unU(rmxAg«omnt. ur Rlhc Jcplsn amount uc((xced. -'
- - '
1 u,a mrtc numrnn• (rm'mems u! mnnry hrtnxaa•J anJ Fn:mre vhar ¢• nU a JII m Lame aharGcx I! upplicShlc) CllculalcJ in the mnnncr
ccrrx.J lm l'ayc 7 nl lna,\erccmcm I It vw ~ I lumc I•.ywn ~ I I Imo n'n I'CI aauu U. ~- ~ -
_
' n i x111 nt:kc numhia' pnm<ma ul hnanu vharva• I:mJ crCVJ n>ur. oar ch r}c. -( lppl urhlc) IR'll none
-'
cc ua v ua I
I -
.
A
c prcoc mg . r mg nVU (I hvs• rywmcma wtll nrn n'xNCr Ire owa.mJ rag Nllame of the rat ma)) h rr eJd Allcr Ihal
I i •v Ii m:vc momhN rynmrnla of •\le mono' hrrnwut mJ Gn I xa
h
r
J
J
'
'
a
a
gc U n
C«
I mat rJnu
chugc\ l(appl
ICahlc) (aICUI:ncU In me
nlrpcnk'~r'xJ un lrJyc luflNa,\g«cmcn 6rtulh me fqu ly: uvanl.
- -~ - -
- -CREDITOR DOPY . - -' - tbxro (rata ~ ~ _
~f~. hTJ.; ~'_
ai=
.#
¢?
Ps
u - _
y,
fr
,~
'
i-,s
i Y i~~~~ ~- ~ ~ ..
~.
rt n
:z
... .4
F `. ~ yr{ A~'~£.~(.3"ih~x"'~jY
~
~ ~
S
~
nn E
x ~ M
~
r~\
f ~~
i
„
s '.x.P
\}
'V
a,
x-l
~Y
5
r
F
r
nb,$. J~i'
.M 'M ~._
_. .._ , .,. n e
- .Y
' .
itr -
er, ." ~. .:
-
'
_ _
.
mrmwwmml
r s
~
~
- - 3
--.
f:
`_ t
(
f
l
i
1
-:,
l In 1 r r<~y IIIU rJ IJ'I J.1^ _ V trWrw uy ur lru hn Aan :g ul h<Iwuxl unhunwal (..rce vnge -
r u r (at hunrg r :xr J mJ I ry wql r J M cruur i'< mma ue un he m c s(th rgc frr in. rlrte In elhq - '
n 1 I n [ r r tr. 1t h ~cr .,usual Iqn< Ilay< raa' m m wnu n rn t hlr pry t una n.iy rat la wl 1. ~ I V Iv,y . II the fnatxt - -
.~. r} I 'i n'u #1mvJ cuuug Ih pnccJrny rylnny qtL. n Ihu teas m3 'mm run x t nJnl xpl m 1 nJua the uulnlanJinA Igrlrrlc{ - - -
cn.u,cy lurtwN,arul lh~vnpnu Lo, nu trVr~~Y Inaua try cyu l) nnlynwx. -
f 1 I nyutx trial w a(•gh d nununum anrr:um .N $ unca wlcublrnb my mural hl} lerymrm ~.d money
:wrrwnlanJ hrsm.<thu,c.
43u 'JnstS h"in:ii 1 r y cu rr u w <m r: Rx tm rag Mnwgn dy I'(I acaw ll Iry uW r raj rncv~ M[Ibn ii'u:k Jcpinll naOVNs
'+wn ry ..cuum ArIJ'r mWrrYS m.m tnra tnvJan .acv ur p 1'(1 #u um x II n4 umr lab unJ e01 rgcw iolpn<J in
.. tI .xur wdi: my tklrea ,.arum •ux u II 'r . Y.r nn 1'(t Fxq m u I I lure <Mxn m Ivoc my 1'('I. ryrymrnl mkat (nmt an
#<l' 1l YnY'anyYllwW'WUr<R:rall gne(dOf `(A~rJr Wr uwtragc ru)hY%etaM1J4t unld ln.u\In IWVrKbllay nflCf lnf JJ1<
. mx A(,rn (mm. IYs J.Inmt nwi a rumJ AbiY win tti evanwJ tM Iccr Ju.LaJ Lr Ian u'n YC u1 the ('uaawNf A:n YCs
Yax c:ia<VU C, YMh nwr .h:mye vom wx Y. link
:VMrt Bm.VY'r Ln....J «ncn W.Moww .
...3-009-P4]J FYNFT4 r
I YWCriIYLW Illlt C:ICb #RIWn LLxN aphe YJI px CM1IIrICJ M i nYbn1V rn YrrYh1M Uf j1UrI Ca(n tlVy tM Yhllh IIXre arC l.nC IX rINNp
WCCYJ(LL un WY °RVU'°' 1'Yr' uhlrnuntl rfyY lulu^g nYloey uYl u! iM-~e aa~wn4 ly Yny' nXIMW nay recall in nn nw:rJrnR
h.r.aingW tR:L YIYVYM ~m.I}KIl'LMC, ray LY~mll~tnn Aa`/e(rMl!r,IY®rF)VlyllxgyWrW~rurll lhr/wmminpuPn.onq
bn%ui Y raj tha ux of Yxy cYrd w WeuURsvlwn xuMler alih wh ch Yny Prrwn e:rn make
aitbdruwY{Y Ovvw axy of the deprrsit rrnanuls IMexl a1Xne.
(!S.rna,ul4 ty :5. arc <Y a cart m x:Ynnl!+u:Yn uu.ntvcr may, <vt armai, nr IcmlxXrut, urus:rJahk.)
P'ref: [wl:l (.My lRC icn ~.iunare uux-v::J nkrY_
~mu:.d fw - -
i-ce iY nt'wJiny mcnyyye W J<t'u u/ uuv M'rycYY revxxLLs (mr(yagc 1 J.'N W nuu S 0.00
pu #tvmy uuYra mrcal ptgXnyl j 24.50
fie'lY rele.YC ur rranr~tb, cx v:CJ u! rwr n ptunY raxrtb (cxXM1a(<'J RacJ .»
CYIMM rulCS)
i+Y,ag L::xtx S 12.00
A(yYJYaI(S (w 'KkremrK lnC xvlYC Uf pnyifR ATM tK(~rY)I j 214.94
1'J Y: wrn (w I$KrrxuY Vwuuwlpry IXS~fry y.(ni KlWx)1
T_':Y wvumnec S_ 49.90
Fr- hx vmrLi<vtYS1 u(r1aL ItutmJ uarw Id prt~rry nm~aY Ycuru7 S -
wukmM.XCkwng(ri S l4 n0
'-+r(Iy Uf ba'Y uitJECr L4\VrIYM I(tiY lvyrl j
firo furstuppMSiNrretat Mrpecxx:hrck f 0.00
daercnuYlttT.u ~ s o. no
s
°~' s
lsf :':k arugL'+I lee aw aq Oa <larjolue ulm rvqule. -
9.atX l~arytf If 1 tb Mx quka a myXV tiM n hb aYwt IS t6rja s0er q n Jae, l a1a 4 WrgeJ S 15.00 rX S"L of Ou
dfiYi45 Vl li4OiIXJY4t1 payxlxM, an~bc'YCr n tM
!tY,CCttty /71NSfj plfClrNgfp[ YI:u :Y anytxfc Y)y14Y16yYt{ ytgrf ngnn vntkv IM AgrKlnfM (Yal'awyrl(C) Yill hllvC L:n'Nflly ln(CfCI ln;
W ,'bf ~Y>~tRy
'' j »plaxst hzxwuh puts an nYxgnxe - ,
E:: Ccncd.~l taletca ulfY.l trrot
7+.a ca'xm roar yw ur an asNgmc wYl rsc IfY, nyX w rain xub
,;vrturxn aiW Ih rermeN rnY ngrermcru, Pn'i'efty u mnry w pay a9 tY pan of my rkM If b b nM paW N
^nrp:rrrahgn tavrnaArkxm wan auu Yn MSrpx+: rtery
> elru sttr(rc my IK:L anawnt.
\U'[;: S•ageg J nod d d W4 ngnXmmf mnuht tntdYlxml Ienn~ awl diKhrurca, -
r :.c <ecd w,•,tupnltt lnn ucM [hmk etrefYry tr[ <y.w br xx if the MVnnvtkpnl Rry (he JCM,yvu uill nave In ~,:o: ti
1- ,Vr.~Cw nnfltttn rV puy(ytU W1C1), urF11tL1 ytV Y'rnl lrr%iy(n lnn rCt(it4WMlnr.. .
Ynu rrtir have rV pcry Yp rV the full arMwm tY the JCM q the Rrrtntt Qtn Mq
u:.rt; vb~h u3ctarc tnu amwm, ~ Irrs. Ytw mnY alvr sate w pay Nk 2ea IX mllMlml
.'1v CraNar eon mlk<n ltw JeM fnxn pw wrMwt nr.t rating ra calks (nYn raw Mrnwer. "fhe GcJinX mn Vsc Inn some
c:",:cL:M mclr[nh agaimr ,<w rnal nn nC u¢tl agnuwr Inc MXrrwtrr, wen M win
ct::.a J:La141na1 fst ~' Ocuant a pun of yuue nNir mtXLL A ytw, 6•'rnMing paur wages, nc. l( This Jcnt b ' .
7:tsmxna h not Uro mntnut thm mnkespu lode fur Inc rkd..
I dveme ~rlap (IIYS IArecrne^i~nppnprulury cum lcl ~ .....
.._.Lt22tl 2 ~9?sffi p
cs~l>
(fly.. -
I(appheahlc, this line opnCrlil acnwm 4xfesplMrb lV pnctngc JCmaml dcpYil acct'~nt 889-004-8427 -
Package service lndiatar 02 - _.. - - ..
^aYkagcxrvicc pcrXfL' .. ".
^ nnnuni fee wniLcr ~ '~
' ~ annual (cc wJitcrana Al'R dixuunt ~ ~ ~ ~ ~ - ~~
' 04069fi 11x49 10/01/1995/ 0274 00000 ~'
j ., / / ~ Pnge2d4.,. .
;*'L:
~'v
,~. ~`t
x ~~y „,,yy~~~???
z' _`7
:: 1
A
`,?
xx!
-E
`a.
-~
5-e
>, ~Y
l
"aj
t
i
{
i
i
j
•!ilantt ..T.h:, L'\rm,Xa~ tTary.e F l'ulNUlalea}, 1Se finnve <!+..rNC rUt 1+a an.•r[eJ .+n .ntt nvnn..•.c txrxn ,ne Ur,a t,+u Icn.t tTe m, 7
.F'L a n a:a+i 1 acne to Rx :ne f,n.m.< wry<, u+ rvkuLrl<J m mI. Ap L<m<nl, un lee nm luno n( al:) anm ryJg'ncm nkv'ml me Gx +ry
dart am[`.rUnl\:u 5'•w uLLl a.WUlur lY lm.:M<<Rvb•<h mulnpklnV lnr jt'rxxe<nnv to lne "umr.:yr J:xly h,l::nri n(Ixx«nxnfam my
i--t •~ _ _ ::hc r^pIX:nE .,mnvm M ihr numhe of J:qt In IM P.NnS a: k- to jat I!IC -:n<c:[c daM'tulalue: )nv o41he ApnY.ing
v+\: -m'I ~~+. any ll`{ NI':'IY a+I^.<. +.:J.Inr n<u h+fr: Nlnl}, aMl wMfn.l .lm vam<m,,:«Jn4 unpoJ lin:tna<a11.IKCa,:mn un(KIIJ Inau[:1nT
pxv<y I`.a ~: wm<J:un Rndn,r tn<nt+w..Jd aP.m lna J.nh nn.xxeX lo•tl'untlel:g qJr sod Jnr4'mc heal ly lne numrtt of Wrysmltle
mm{ovY. I"s roux as m['mcmlc anq n,omar' ---_ __ _
:4:[ Ctin~[a: I*c .:nu< of the mJ<s um le Jrtcrmmalia the h:v a:r of clih mlmm„uW uel h nc~ :ucn:jc JI4Nwm ma Im 3~mlxUh UmteU
4eca In::nun IL:4 vl m IM mnl recem Ncrkh aunum hcW prmr or Ilie s:n Juv of foal mrmh, a, pvhlnneJ Iy me IkmN ul Garvermxa n! Inc
hT'r: g-.rnc Ncem +n Ine I iVrr.ll Rranc Itu'la'Ln. «wndcJ W Inc nrxrml .I':. ,bn .n:nyc of Iha .Im;nal pavrcning<~alc ual lake eflcrt rm
YC .:ry +: 19C pAnj tCte :hul h'Pm In Inc L 4hulpg mrIN9 In (NI fatl11 PIII InC dnnutl (•a'r:'eplp4C mIC :n .lny kllllnj'pclC CX:YRI InC nIt,I1eU
••~•:;t^rn•<a,po:nf:roc JunntlR:: M1llm6nde by,,)yhennlr anuvtxfctlefa141a PmludlnC+Lllule,. nJea, dn.i r<Xnlalluml. _
[f, .n IUC :.care :I:r mN~a n m, kmXCr n:6n•k, pro •a [ ux nm Intt nalea m u pbnv, m.l, 1 rner.v ry.:xpvl Inc number of (Krmnmj< (I:Nmi
•. r', •i n..: "+1 •.t i^F `i1Cf11rt t1l'trlnlnl< nh .nr +x f+Ym'[ vnni Kc. M'T1JCJ 1N.n 1M nLw .nvl<+ m311t:•r,Ctn «`W VI ,11 I lot[ au1%tLnlNlly +1mIt.H to
'4 4K •n .::'r,l .:r :1\ nmv' 1'.IC +xanvll mdca h..IInC ,. n.r.Jd.ltn<:nW In.n IhC I4+LUt n.u:1l ul rlVn Cnla'nl+::l IIIC na'W InJC\ naa 14Cn iuhtnlnlutN
tH. l:.p t.y ~nrl •CC,u:InJ n6!CV __--
.N mcr_x3emlx.mnu.tl lxrcmlxpc ra«nep LAC mclann of nrgher(Nlynrntam:won ur aJdnuwal pa)numa
R<germenf: 11 nxxc In.m .uw {•arv:n 1++Igningthl. ,\jrrrmvm. )au Ju mn hoc LI ,anJ more IRm nnc v:ncmcnq nix Ju )Nw Ri+c w XCILl ally
alal ClCC Ihm hx «y, « J M nN I xan (era. n vgnmp thlX Ajrcamam n akng uJ m n'pn .dl .:ntnunn Hued mtJCr Inn Ap<cmcnl, xhelher m
nrX :t rae.Iflmlxe. rnnx•nI((.rnof lne nm,wml,xa[nwunJ V•u.xc.pr.a~rn from}h[XJva[nulN as 1x11 l[I)ment,INall
n:J.+e lea « [ ..f I'IC na Xln I +IxwIJ Roe ItIW I mq Ixn' xh.rt Arq [\Iri I I Ina txnednJulj R Iuncr I I m +c) h rn+ucU R4xc n as doe, u3tMwl
yIY I~'M1I01'-
?amt ul;l k :IpIxIrJ m the fnlhn.Ing :4Jar I)nanoc rnarty In:n Rla .m'mcJ mnnlgfi the enJ el Ina' pnya'Jmg hlenj cycle, rrNil msmnMe
:ICK{.balttrt n.nc xerugl •laWVYt IRe cnJ u( tn[ pracdmg FIILnI; ~'de~ pnnmp'xt ntcnunk lcapl:unecl lwelw), unnu:J Irr_ ImJ LWte GnrtgeX.
't•rmaml m'rrv~l<c' lax ,,xwm td Inc Iwrv.',oJmg Nl:inm of Inam<y WrmaacU.'I nl+;um+um n JcrcrminrJ vl tlm umc Ihr m:InIn1Y p~lym<nt of
nvnry hn.X.[J. 1'llxlf/:c <Rlrkc. •u1J :redo In ranm chvµ~a n DIIkJ au r k<n from X Jry.nn oranunq anJ a Inc Ylkrcnre nen+ecn Ih< kxal
xv:.+.rA o1 ID< Imymrnl xrtal me cam u( pmina~c aml cretin meumnra chxrg<.a Inal nave acnlN Ihnnljn the end of Inc prcttding hllling cyck.
P4•mems mcawaral.m tiAhuJa)a, tiunJ,l)., •X Rdd:na ulil ne <rcJncJ:n I(m:WC nn lnc h IILINmg klnme++Jay.
L':hn Acr:cment CnxJCS (nr momnle p:ipmcnn of munry• hxnrvcJ nntl fnnnrc charge al :III nmca uhcn mwlty a txatW unJ<r Ihia Ajreemenl,
IS%,Sii1`w:r{+U(1RY (ily'nltnli (:nC4UJlnj: rtCJ,l1nWL.lM'C v'{l1fy,<41( ll)+)tnC:tnk)NIII tK l:nrul:na'vl :\l (nC CLK t)( hUNneN f m n1C (Itat hl13iM:3th1y 11131
n:u Mal :5 Sn+a6er Itle J:y u( I:fe moron [ fiuw eMKn tut arm In prcp:ve my fiat nr take nfy {m)'nta'm (rum r J«Xml mx3wnl. If Ihia Ajrttmrnl
pro,X Lx nnmcrla ttmawmg unl)' of linxn.[ cnxrRC lank Crttlll In umncc cnagca, d upphcaMC) (ur a p:'rn Nl of hnID, the nmawnls of my
w.'K4'ac.^.[ vrcm:nk Itn'mrnls of ntnnn' Mlrnmaa1:mJ fnonae eRlrFc• (;Intl r«da msur;mec cn:rtma. J nppl:a-I le) aa'lII ne cllaul:rtN m the da¢ u(
nu w.c.X.m Ix J:ue rnn ry:nul <nLL, onJ then al Inc ekeae of tw4ncu on Inc fm huwnru J:Ir Ihati al kcal IS da)s alter the U:ry aline fn(xllh 1
::r4G dYa'n'oc)ou ll)rrcf'+u<nt)'blll ur lakC m)'(Cn ntrnl Rn111 i1}lr(Nr41 :Nt3wnl. '
Rica Not o6vb¢ a nox p:rmene :mmum d lhc« ~~ h<cn a Arcrarwmg on nrv P(9. amnm ur I( the prrnNLC cane h;lz chanjN.'!'o cafcutm[ the
(:])tnC•^: JTnwm. Nw Nln Ift4lhrn m< a(`(+ll:mr (f,\'m<R Cla'llx (nlm IIIr KTCtIW a' M1CLtla` try' Ine IftlplJnam4' T;Ihnl'< 11( nµrnCy INNRTMCQ et IhC
.kx m hu4l:ca+un Inc tnnent cllculae•In J.ne 1411uutng Inc mint recent Rxn Xamg. Inn c:JCUl:nom x111 M1a• mm~JCJ lu Inc nax[ Nghc[ Jnll:R.
Ycw u„1 vM;nyc the ry)mcnl elmwm ,Ivry rt It;c::avu:xnun realm m x cnungc w mare Insil S9.
!(nmemrn<Y4 Acanmw llnm<Fiplilr Aenrnn[N
<'umnl AV b't'N- 1'X)nom t'nrrnn,t3S1'.\I. Pnyinml
l'Y.XC'}.TT.Ua. M.\T F: FXVIm Tf!M1t(T:\T 1uN N.>(i }; Fxtur - '
lxrtwlk rXle X b3) IMrI•.Ik me a Je.l
1X,•143(1 111'MI .1X1-11141 .0110
In9t-ILMS 11,1X: III.{I.ILIxI ,11130
ttMeli'n Ball ILnI .IJ. <n .n1111
IA.'1 .1b33 _xl f.l a1 .ICINI .Illin '
IL.56.liln .^SJII ISlll .lb. [n .IIIN
IX.JI .'JI.US Iht1 .IX.IW .Illbl
]M1r%.. ]I]3 n]41 LY,III .I4_Vr .UR3
' ]LlY anA vlxwr ,n]<I 14.31.$1 INr .61q
SLIII nM iMVe .IIt91
Ra_3rJla~t L: mr CominNm dcKnheJ aMx'<, Inc rcynxed p;nmlent N'III mN he ku than Slnn ur :m)' nlghef minimum I halve «gLLCACd n Ihu
Acwncrl. (:AMacr. the nrymcm x111 no'er he mn« Ihan the Total xmlwN I cxaz).
L;nnginp, ur C:ocEngmy l'Li, ACCnllnl:'lilja aerccmrnl permiu )xw u+ mxYC mnain chan jn nr the mrma ni my 1'Cl. acmum m sjlmOrd
IaS.<s cr cprn me lecmr<nee u(+peellrcJ Lvenu. I1nJCr'![epxyment OplXmi un page 1 of Ihn Ajrcemenl, )xlu cln reymrr me m chin&e from
:rcl:zm !.icm.N7 a t IU !'avmcm A(cmlNl x2 ulHtcr rcnam amJnums.'[nn Agrccmcnl nwy adl pnnnlc, un p+(;c I nnUtt'Finantt GTnr;'v~; tna[
:rv annum (ircCmsgr r'dIC wnl mcrenac I(1 fnany'. W yeu r<yulrc me tD eninsc (rOm I'x)mcm \1C.hINI n! IU P:I]flicnl Mc111[NI NYaX if aH(L'Itme
,.rc:mcm pnxiding f<x a dvaaxwn«U rv< n JlnaummurJ unJCr ccrtmn nmdnlon3. '
'l~:v NIG n.x m< n.h[ m c41X[ my P(:I.:ICaunv :rod rcymre me In pay )vu immpLalelY, In nnc pavmevq nll nmlwnts Ihxl f ewe under Ibis
.•., jCGA'::1 Cprlx:t4LL you hmC cUmplLL'J uan ]n) Idw ra'ywhng )OU In yb'C me nnfmc unJ an u(rp,rrtunil) to R'InCJ)' 1hC prbnlcnl).I(.
' <^n 31«U m &auU Ix m'llcr L misrcplccnmlinn in cnnnccham w[h my P(a, xvwunl:
!.11 il: nYCt .`..N lIf ihC «(1:TV[n[nl ICrnl of Iota ,\4rCCrncnl: '
,m ucr.r3 or maaum xJwnc:y alkcu am pruperry XCCVnnG my l•Cf.aanunl lK )Xwr nghum•uen nroneny:. -
•mLx nmerurec van.fer my rmna+mp a! Ina rc:Il pmpcity a<swnnG my 1'(7, aacnnn[ m vmaune uilo I. nrn :14gner of Ine nxxtjage, IkeU n(
InI+I,.K.ancr s•:cvmy Innrumcnr, --
c..md my Jc:np.ulll recall m rt:ulaf<•r of mr mvncrsnlp o(lhc rcai jxupa•rty .aeunag Im' p("I, aeruunl m vrmcune whrl n na a Xipner of IM
11`-lil~.l:'r, Jf<d trl IfLLaf, llr IIIII['r a<l'llrlla' Inal(UITiI'nl,
e,<r}.'.^: xh.e alencJ lNa:u;rttnmm h:n Jn'tl, nr ~ -
41ma+x:o NmI 4;n2J. Ihn .\r/crnum I arz rXCF01 n'i' Lffeep as Jcfinttl in RUerll ;tcx'nc Iksrtll Ilcgulanun f 1, of the ((rcJn<x, alxl the
nmJnem JLa'bneJ m the I n'm Acuaa r:num Aprrrmam amvu«J to Ihel prrvw tw.. x~rurrcJ
Yuv u:.l :: a :h.' ngm nl pn:h•Mt adJmnnni Run m~lny Ifin+ugn InY i'('1. na..nnn or «Jupe Inc c«Wn 6mll of my 1'('I. amunl fix nny penaM
.:uw:3 ul:un - - - -
•ansaxew;nlnG role AF•«emenl rcyucaa )vu el Ja w;
~mc anrco: (fie Juelllnp mcurin;, m4 )'(I Unl dedmea xgntOcanlh'h9,r.vul:IpPnn..'tl a:rtuc f.Ir hurLr.c+nllR: ar<nunC
' )au P~~'OnJ01y YkI:6C 1 Nlll Mx tK unlc wameCl Ine reryn'menl «yullC:ncnl, al Ihn Agrt enfcm Rv.:u¢ (n :I ma«n:J <PxnSe m nfy fxf (K4l
•IGk~.A:x am Maccdm MnkmpLl'. - - - - - - -
Knaam:nt ucu:m n mken wnKn vn x:lU pro eel )xw lnxn Impnmj me a:nual pa'nrnia:c rnr plrmJnl Ine In Inn nFrebrxnl, Ix Imp31n )awe
tamv uvecev m me «al prupeny mcunng my I'(7, xmwnv k, the rnmm m.n me vwuc ul uvn 4':unly Inlerol :a Iaai tnxn IL'O'L of the uemt
::AUr.
a rc(eLhry .Ig<nay O:u mxltlcU )am IRrt n uonlJ .umuruve an un4a rc .mJ unwund praal<c w nlnbnur II%pCrmll hxnmxnja Innw6h rtry P(7.
lhclv0l, - - - -
lnc mxv:mum nnnml prnsm:rja mic IX rr:Kha•J:Ix -. _. - - -
•famin•kLIWNlfa mnk'ru31 un11ganun vnJar lNa Ajreamcm. Thefnl6.nn; nNlgnMm,:u<«madattlvnR m:nnlul:11NI(mxvn; _
x Iv ryq ml Am.ans uhnn I am nMlgan•J nl pxry m }3w n vttrxJamc uuh ux mrma •t lma A jmrn+cm tN Ilm . xhrr n;r«m<m:
iLLN'gLAly:NtV+n,YmMfI1NINnIrn WPUW:Nb['aCN TIft<I JOytlraperry'eavnn6 myl'f'L.xalwm.xpwr nymamm<h {xnf'rrll:
il., \ecP Pv U1hxmN JI dll lllna'.Id mV I'urfenl .xklrev:
C~ECITCA COPY - Pe~]uti
-:.
F..•. ~__. ._.
E ,
C.
(
.
~.
F:. -
k
t.:
-
. -. - .al?--? d9t• ~ as
' ~ ~ r urr yu I,W uu sly n I I lal 'ur'ns rcwrr t'I r'g 'ISh ndcs.Il. th nutl+,nd ah ,It en~h yeer xuh.n ll ~ -
. .. ,:-.),.:I4rllat o, anti wupa.acat nnvt a',y uh,rm.I,nxNChl g.ncp umuNVav nwth n)',ppltar, n; -
: ,rvC yi u I 1Vnl) nhrtal nl I Ihcr rcdl pfulk rlv v h•nl cr15 1 n v lac In )vs r 4t urll) unu[x1 er IOC real pnyxny IMI onr,'Innny
rtd ma ,\seemem n he nc a n: t m)nnc s to rat IO s Aua'r,xnl nr Inc runty gc JerJ nl truFl ,x omcr w.cvr ry -,nlv, znl
ay 4i :IU1 you xniity ur rcle:m the munp.Igq Ju•U of vox, ar other wnully insvmnrnt, ,x nurnpu In Inuit the unuwm ul - -
:Ia CJacu thn will b: wwmd W Iht• mtny qc, JaJ u! rust, unnhcr uwr q non-,nxnq '
-- to caml*'anh NC prmsxuns of me mmtgnge JttJ uIVml, ar abet srcunly ln+frumcm xh¢h
,..if a p.u,v,^.n lrw okra Wh[rtmm(tt a(9nc real pngeny sccunng me ttctwm; _ '-
as pnnt•MUnu aeahun of,nlercnu in NC pr~(cnywMen wvulJ oJVCrury'affrn your 5[eunry mmrta;
i I...,c m hM pmmm un:ucs and wncr tnargn uyvnx me pr.,pcn)'; - -
- '~ ~ as rc:utmatha phyradt'a^dlilcn of the prtryerly; - -
- - - a• rc1.Ilc lwmumntt tm tM: pngxny.
9~ r.:'JiC lal lrrratillLLl'Y.Flall \Y IIn InC pnlpfrl)'.IM
..:- _-. _ a o n'la n w fha:J.nmwm w scrmmalwn ul a muknwmum prnjn'I w pknncd aril dtrv<4tlmwm ar m manngemem of the pro)ed a - '
~:: P. m rt.
i YWt r. 1 ro IuVMhit Mxnnvingf W rNU[C Illc LTOJII lirnn will wnlin4e omit I rcquru rcimlulcmcnl n(Ihc piglnnl M1IIOw!Og prh?k8C! mltl
.v Oat .den:duttl, tx n:rd a nnwnank o(quutunity lu Jctermine, IMII Ire mnJwtmf dtarnhnl nMwr nn kmger exiar. 7•un twt Mgwrc Wl ~ '
n'v a.i u u !tu avvvtdttnwnl M In wrung; d }.w pnmmnrd Mxnn+inp' w rcdurcd me redo hmir nl the rryuc5l of ummmc dgwng lhia
t scuxal,+rh c, ualwre tnc rcyudt (su mnyurtm[w nr he [ignN by n[n,ure uMlgnmJ under Ihu Agrcc:ncnl.
... ,ttu'ssuy iar yxw fo unuu an appraual nr n aNil report m order ni dercmuac whemcr n reyuesl w rcinuam Mxrr»ing prleikgd b - '
'rii[t1,IxtJ lcmrwrvc yw l.x lne attlttw[n+crvkca l4unJVU wIYIty ,mmnA,ns lm(YS,cai Inw),
•a *YL 1' Y
. ,GC IIC .Kl w tl ,I
a r nmIMI wWnkuwl Mu , ,
ntwir w
P p, ri mny u, p .nN,wmg me lu harrow marry Ihraugh Ire nncrwnl ImmNlately.
i-"+mCq Ytw rwrV Nn:ioue to al4N Mxnnvingtlnnwgn lne nCwuel tx upln lodU)w.
- raw cal uvmyrc ihu \;rtcmem m the uwcm and m the manrwr penniual ray applirrMe kdeml owl mme low. If emitted n bk .. -
rrw:h:nan"e nuv +m uml ahcnw ~ ~ pp!t~ ~• -
- eU«'tIt 'r a
ra stile, Ia IIIV wMNC lmklne0n
N 1Mxrowm twWandin uI
. _ ~ PP ga gI ram hole. - _
ui h li iW V • 111t• l I
.. .. kiL rnl Y tCrY , t n r
} ttrn f ,lot ram Iu wlh¢I Imm 1 owe tx ht nnca
Y Y vur ri Mx J
ry un er lhi~A rc<mcnt 'I -
P > g S , I m i w m.+mruble
i v ,_ InY'1, :m rxnmllN M krw. and Ina urNa of n Ir nl txeedin w In hln kml I Y - '
nY g pr S ( rY ,the auurnn 5 teen well IMI uttcd "a
5, u(
1 uw e
repo 1
n
i
„uw.if4rc walYLtnC hCf'dlir Vfall l11d1Vr18 YWV:11M a ~-
M n wla al5ement laws
pM
- -axeritr lnreresu: RcgaN!ev nl tnc Irmo iy any Wner dlxvmcm, rm I'CL Iwwm wtll nn ne 5etvred ray nny tle nit other Than ihate
h•ttf i naYe uWivvJuwl• to fa1nl ly mIn riw w win nn mat ll V lam whim wr(mrcr )swr ngMa under Inn Agreement, mx arry alter pnYperly,
n nu ids' phly
e!1]II:fY Llrl•Mt m 5Vt'n uC nll Uf (Noel I
r rt nnv tae n< ,
~" h P rpc Y g t rtumem rerrrnnp spculwnity m my 1 [:I. ~tcomn ar anWMr ~ -
n ::earn td astir. NI Inc pnwtutmY VI any r, ixsgahe, decd al von, w once xwnry ngreemcm wnxh 1 hme nlgncJ io newts my PC:1. mm~5nt -
' '~rd Sasurauce al RrN i'mpMy: 'the real pnprrny rcwriny my f't1. ixawm b required by the Icrma of me malgage, deed n(InrM,
• u t y uixuwrm nr [k ,muted ugmmt fvs, I n and olMr MvarW p) tnc eslrnl pw reyuirc. l may Wrmin nu<h mwancc fmm nny
. - --. v' nt.LyIiTMCd md06,4un[Ylm lne uniemnmer JunhnnXmmwMch llro pntpCrty is HtCIIn:, pfrlvWtV11h01 it ytwrn(IICC SMMntm
. ._ .::.lit r\ .rmcnl;f lttcat vll
& t n 1'rnrsykanw, ikbwarc, a Vx mw me Imurnnrc a , m 15
6 m n mltbe arc In
•uu: i y rat Ln nacplnmc mpw. ]tihr
- .... T. MC if I91 [wKILL Cil tIr nLVn4li -
rKdtYlnO mIV
mt BIC Mx Y
td m
w ou
Prc p• ,d 'MNlvc nhtnin lnsrxnnt >
•Ys hY e n
a,ia:urta. 7: ww I r Y r L71hc ~prrccmwnu
vk f u. I wul :amhurne yroo ImmNwlety (u ml twr wnnh },w incur. r\t me ums ysw Incur wtm arw rx rat arty Ialer 4me, -
~.~u::;:};:.„rTsi vrn::JD.+_rnru df ntcse awamanarw:ng lhnwga my l'Cl. nrawnt. - ..
S:t+uranm !(t Rnrc E:gnN n rtquew nu reedit Imuraa@, me pnrnvk,m of Inhr (arm nnJ m< Cenifldlc of ImumlxC me n rt a(
. - -. ~ h;rccaxw. -
Im
s&L•sr:nenL• You am ImmM )our npirw oral obllpe4,ma uMer mb Agrcemem to nrpsme raw chant, hw<vcr, my nghu under Ihb
~^.rnq.:a)mx be lrum(cttcJ wart}ulw.
sr~:<.ittu and Remedksr - .. -
.. if. m arty pnniwbr axa+km ur Yx a rNtJ u i
-' .A [u rw under mn ps f I mc, riw Wt Ma awrge me n sale nr amount aTIM I ram _a
7 Agrcemsnl, trc cMrge me a knee m¢ a amwnl, rx do mn enhrrte a right sx remedy which you hme nmler Ihb
- un;, cr enfwxanxMtx renw ywukuer extent than permiucd ly mu Aprcunenl,}~w wi115ullhmelhc niM lncharge me (u0 mltm
_ - o: cnG.ne mat nghr tx remedy m na fulkar n¢m al nrry aunwyarnr ume. 1 undemm~d that my ohLMmknx Io }vu under thb -
• t :c:n will wet be ni(cactl ray mty dlwrne prureeding wx ray airy tuda of awn Issued in wen n pnntttling.
t:urrrn:n, law: -
x
Fzce I I
p t , It:e er¢m Ihur 1'cdeml law appikn, me kwn of rh< slme m wMM )swr nffa 5hnwm an~. ge 1 of IHit Aprccmrnl Is -
' .•,,,¢aw;l ~pp,YY to lMnr\grecmrnl.(In ltrcta+e rat hluni;uxl,Ihn Agrecman iv nuh)ca In tiuMnle 9af'l isle l2 of lltC (:ommerci'rl low Mick -
_ 7_dnm:m:nl ('WC of hlaadrd.) -
~i~ - elf 1u hiy I(c:lar LsmwlJ nmYUll a ma adYwu tea rd rap the d d ~ n 11 f d h gcs tar raw PC[, reptant. ~ '
- ` a.:u:amts. !n mu liiuinq Rigllrv Nwtte, the wsm(t }sw' awl )swr' mean nrgsme signing ton AgreemcnL'Ihc •seras'1is; •VS' ram! •wr' '
n:an t.`w CV,(tx Camed anae. _- '
IJrs~'(1 t. Xe<75 [his NuUtt rnr }'aloes Usr. Thu nUllw• nmminY Imptrcam informninn alwa pwr rignlr Doti wr rep-;mibililicr
' u' uc ..r Gcdit lhiling Aa. ,
iio;;(Y Ufi in Casentprtmrs wQltestlons Ahou(Yatr tilntrmenl. It)sw think }swr ualnmenr is wren ar if ~ -
- •:ur u tr:r u Irccd more info
- saawnrn our umc c ya mwtkm ,
' mm
wllle u5 [
} mare
. IC Mtt n a
parr t I ms : Jdrar IntN nn wr va gg
n~=e-~ ,, ri temenl. Wore to uv m, n - -
..u t, • corm t axshe. W
r Lnl W aV Liter Iran GO l..t e
_ _ _ _ - ,Y p alter we sent nu Ire Holt Nntement t w '
. .. 1 m Mca IM cent nr h
.... ;~.w'a,u rfi. c.ucnc )roar nnmy pro km nppcnrtd. Toudn 1ckpMmC ut :
- - ~ _ 'n+cur!Cdet, one mnc~ fWl[wing informnthm: ~ -
"m,: ran:c:md zazwnt numlxr.
- "`x Cn:dr an:ounl ri the vmtxaed error. _ '
_ ° !%~' =r:cc;pp rrw a::d rsplin, a )sw ran, why }au bdini (hers b an ertor. If yvu need more informwbn, desalhc the item n - '
aa:VL ym, m[KK LIC _
It;rou have nulMxirctl ua Io mks svur piymem wlomntidlly (tom your deax it acmunl, pw con atop Inc Iamryymmem sm ram nmaum y tthkt b
. - nr. ly Ta 5[up the pamlmt your letter max rcacn ut Inrce Ouancss oa)i bctorc Inc amumane p;rymem 4 xhNUkd m uctvr. -
- Ymtreslghf}nnd Our Resprmeihilille•I pRer lYe Receive Yonr Writlen Notlat. We mural ncknrnxkrlge mar lame within 30 dnya,;lrilea
us aarutrr:cacd NC sera; by then. Within 9a day5, we marl either wrttxx lne crtor nr explain whywc bebcvc the natcnwW xm axrca '
' Aticr we reteiae }mnr letter, we dnmx Iry m wllca arty amswm yvu portion, nr rcpm )sw m delinquent. We do axrlinue ro bill Y'a't Cx :he
:+%mum }vu quctiun, induGinG pnan¢ charge;, and ue rnr nnpN any unryiid amwnt ngninsl )swr anti( IimiL Y,w do urn Mm to pry atry
_-:~ g4CL1011lyiamWpl wNlC wC arC l~t'CFilglltag,bVl)iW aMnlll Ubhf'AICd In I%I1'IAC anIaVmS ap )9Vf nalCTCnt lnalnm rat In gVClkr1,
- Sas fmd mat ne madea mnmke nn your nnrcmen[. yltu will not nave to pry nny hnnnta chnrgea rcktal.ta ulry quminnN nmrwne if we dldnt ~~
r::2 a mjsWkC, jnu may hose la (5rY pnnnce cnargca, anJ pw nip nID2 In make up nny mi<setl paymenn Un Ire queSlioned'amounL 1a allKr
rYx, we wnl RnG you aslatemcnt n(Ihc antaum }ou owe and lne Jafc tool it is due -
- t mY :ail id pry me mm~unl Ihnl we mink )ou axC, ue miy ¢prm you m dclinqutnl. Ilateveq i(aur Qplanaliaa doe( ntx 411n(y you nrA }W
a o u;: ullMn ten da)s telling ua mm }ou roll rcrosc Io pry, tvs must ¢II nnvvnc we report p>u ra mat )roV have n quenion about }lwr - -
..'6:.,:et. Md, as must wll }raw the name of nrryune ws repmctl ysw In. W'c must mil nnyanc we report you to thnl me maacr hay bcrn neatd
Jcsam w;wncn isfnaLy it
' - ,i Ifwe dsmR fWtow lode rind, ue qn't wlitttthe fin155h of the qudtbned amount, artnifyour nammenl was wrrcct.
' ~ '~( - 1 ar}mw(sdge that this I,G page J and 4 of the Mellon Secured Persanpl Cr tilt IJne A reemenl '
' si„cud nn pugs 3 R (Vnrlub.e Rnte) whlN i bore - '
s I rlruvar - -
F , eq zspp [YnIt44 d1t er (s)
.::..ounce wi
-_ Inn44 rlMrmwrr (r) -
940646 31:59 Poge4d4'
-P4F' T. % ~. .
r' y~ Y,
t
q v t~,e,~~ " ~~ €,) -
~ ~~ b"v .....ray, . .<s, . P x.
ACT 91 / 6 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date: November 15, 2000
To: Kenneth I. Repp
711 Hummel Avenue
Lemoyne, PA 17043
Anna Bann Repp by
Kenneth I. Repp,
AttorneyinFact
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT
TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY
- INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE iS NOT AND
SHOULD NOT BE CONSTRUED TO BEAN ATTEMPT 70 COLLECT A DEBT, BUT ONLY
ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This is an official notice that the mortgage on vour home is in default and the lender intends to foreclose.
Specific information about the nature of the default is provided in the attached pages.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO GOMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA.
STATEMENTS OF POLICY
Homeowner's Name(s): Kenneth I. Repp
Property address: 711 Hummel Avenue, Lemoyne, PA 17043
Loan /Account number: 0275.040707-292
Original Lender.. Mellon Bank, N. A.
~~p . .
Current Lender / Servicer: Mellon Bank, N. A.
_ . _ SIT ~, .
~,~
«x~
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) MAY BE ABLE TO HELP TO
SAVE YOUR HOME. This Notice explains how the program works
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
IF YOU COMPLY WITH THE PROVISIONS OF 7HE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE.
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must
arrange and attend aface-to-face meeting with one of the consumer credit counseling agencies listed at
- the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT THIRTY f301DAYS. IF YOU
end of this Notice, It is oniy necessary to schedule one face-to-face meeting. Advise your lender
immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in a default for the reason set forth
later in this Notice (see following pages for specific information about the nature of your default.) If you
have tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL 8E DENIED.
AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: 1F YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,
THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE ONLY AND SHOULD
NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date)
NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located
at: Insert Property Address IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due: Start/End: July 06, 2000 thru November 6, 2000 at $429.00 per
month.
Monthly Payments Plus Late Charges Accrued $ 2,220.00
NSF: $ n/a
Inspections: $ nla
Other $ n/a
(Suspense) n/a
Total amount to cure default $ 2,220.00
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Dg not use if not applicable): N/A
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,220.00 ,PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY
(30) DAY PERIOD. Payments must be made either by cash. cashiers check. certified check or money
order made payable and sent to: Laura Cortazzo, Mellon Bank, N. A., Two Mellon Bank Center
Room 152-A650, Pittsburgh PA 15259-0001.
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this
letter.
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgaqe debt. This means
the entire outstanding balance of this debt will be considered due immediately and you may lose the
chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to
foreclose upon your mortgaqe property.
IF THE MORTGAGE IS FORECLOSED UPON -The Mortgage property will be sold by the Sheriff to pay
off the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before
the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's
fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you
will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00.
Any attorney's fees will be added to the amount owed to the lender, which may also include other
reasonable costs. If you cure the default within the THIRTY (30) DAY period you will not be required to
pay attorney's fees.
OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time up to one hour before the Sheriffs Sale You may do so by paving
the total amount then past due plus any late or other charges then due reasonable attorney's fees and
costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as
specified in writing by the lender and by performing any other requirements under the mortgaqe Curing
your default in the manner set forth in this notice will restore your mortgage to the same position as if you
had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sherifrs
Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of
this notice. A notice of the actual date of the Sherifrs Sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER: Laura Cortazzo, Mellon Bank, N. A., Two Mellon Bank Center
Room 152-AB50, Pittsburgh PA 15259-0001; Telephone 412-234-6637; Fax 412-234-7226.
EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time.
ASSUMPTION OF MORTGAGE -You X_ may or may not (check one) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charges and attorney's fees and cost are paid prior to or at the sale and that the other
requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YQU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED
Very truly yours,
SAIDIS, SHUFF, i SAY
Jahnn J opec, ~, Esquire
cc: Laura Cortazzo Loan no. 0275.040707-292
Mailed by 1"Class mail f Certificate of Mailing and Certified Maii No.: 7099 3400 0018 5000 7720
PENNSYLVANINA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800)342 -2397
CUMBERLAND COUNTY
Consumer Credit Counseling Service of Western PennsyWania, tnc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Financial Services Unlimited
117 West 3j° Street
Waynesboro, PA 17268
(717) 762-3285
Urban League of Metropolitan Harrisburg
25 N. Front Street
Harrisburg, PA 1'7101
(717) 234-5925
FAX (717) 232-4985
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717)243-3818
FAX (717) 243-3948
ACT 91 / 6 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date: November 15, 2000
To: Kenneth I. Repp
711 Hummel Avenue
Lemoyne, PA 17043
Anna Bann Repp by
Kenneth I. Repp,
Attorney inFact
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT
TO YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY, THIS CORRESPONDENCE IS NOT AND
SHOULD NOT BE CONSTRUED TO BEAN ATTEMPT TO COLLECT A DEBT, BUT ONLY
ENFORCEMENT OF A LIEN AGAINST PROPERTY.
counseling agency.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECNO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFiCAC(ON OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCiA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA.
STATEMENTS OF POLICY
Homeowner's Name(s):
Property address:
Loan /Account number:
Original Lender:
Current Lender/ Servicer:
Kenneth I. Repp
711 Hummel Avenue,
0275.040707-292
Mellon Bank, N. A.
Mellon Bank, N. A.
Lemoyne, PA 17043
This Notice contains important legal information. if you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY 8E ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE.
• IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must
arrange and attend aface-to-face meeting with one of the consumer credit counseling agencies listed at
_ the end of this Notice. THIS MEETING MUST OCCUR WITHIN _THE NEXT THIRTY1301 DAYS. IF YOU
end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your
immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in a default for the reason set forth
later in this Notice (see following pages for specific information about the nature of your default.) If you
have tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and fife a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO N07
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL SE DENIED.
AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE F1L1NG OF A PETITION IN BANKRUPTCY,
THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE ONLY AND SHOULD
NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance)
NOW TO CURE YOUR MORTGAGE DEFAULT (Bring it uo to datel
NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located
at: Insert Property Address IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following-months and the
following amounts are now past due: StarUEnd: July 06, 2000 thru November 6, 2000 at $429.00 per
month
Monthly Payments Plus Late Charges Accrued $ 2,220.00
NSF: $ n/a
Inspections: $ n/a
Other $ n/a
(Suspense) $ n/a
Total amount to cure default $ 2,220.00
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): N/A
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH 1S $2,220.00 ,PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY
(30) DAY PERIOD. Payments must be made either by cash. cashier's check. certified check or money
order made payable and sent to: Laura Cortaao, Mellon Bank, N. A., Two Mellon Bank Center
Room 152-AB50, Pittsburgh PA 15259-0001.
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this
letter.
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortaaae debt. This means
the entire outstanding balance of this debt will be considered due immediately and you may lose the.
chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to
foreclose upon your mortaaae property.
IF THE MORTGAGE iS FORECLOSED UPON -The Mortgage property will be sold by the Sheriff to pay
ofF the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before
the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's
fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you
will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed 350.00.
Any attorney's fees will be added to the amount owed to the lender, which may also include other
reasonable costs. if you cure the default within the THIRTY (301 DAY period you will not be required to
pay attorney's fees.
OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance
and ail other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR 70 SHERIFF'S SALE - If you have not cured the default within
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the
default and prevent the sale at any time uo to one hour before the Sherifrs Saie You may do so by paving
the total amount then past due alus any late or other charges then due reasonable attorney's tees and
costs connected with the foreclosure sale and any other costs connected with the Sheriffs Sale as
specified in writing by the lender and by performing any other requirements under the mortgage Curing
your default in the manner set forth in this notice will restore your mortgage to the same position as if you
had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs
Safe of the mortgage property could be held would be approximately S1X (6) MONTHS from the date of
this notice. A notice of the actual date of the Sheriffs Sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting, the lender.
HOW TO CONTACT THE LENDER: Laura Cortazzo, Mellon Bank, N. A., Two Mellon Bank Center
Room 152-A650, Pittsburgh PA 15259-0001; Telephone 412-234-6637; Fax 412-234-7226.
EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale wiil end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs
Safe, a lawsuit to remove you and your furnishings and other belongings could be started by the (ender at
any time.
ASSUMPTION OF MORTGAGE -You _X_ may or may not (check one) sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding
payments, charges and attorney's fees and cost are paid prior to or at the sale and that the other
requirements of the mortgage are satisfied.
YOU MAY ALSO NAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBTOR TO
BORROW MONEY FROM ANOTHER LENDING INST1TUTlON TO PRY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS R1GHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED.
Very truly yours,
SAI~IS, SHUFF, 1 SAY
Johnn ~ opec ~, Esquire
cc: Laura Cortazzo Loan no. 0275.040707-292
Mailed by 1" Class mail /Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5000 7720
PENNSYLVANINA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
THE. PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE ATi (800) 342-2397
CUMBERLAND COUNTY
Consumer Credit Counseling Service of Western Pennsylvania, Ino.
2000 Lingfestown Road
Hartisburg, PA 17102
(717) 541-1757
Financial Services Unlimited -
117 West 3f° Street
Waynesboro, PA 17268
(717) 762-3285
_ Urban League of Metropolitan Harrisburg
25 N. Front Street
Harrisburg, PA 17101
(717) 2345925
FAX (717} 232985
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 2a3-3818
FAX (71 i} 243-3948
ACT 91 / 6 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
Date: November 15, 2000
To: Kenneth I. Repp
711 Hummel Avenue
Lemoyne, PA 17043
THIS FIRM IS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT
70 YOU IN AN ATTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN AND ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. IF YOU HAVE
PREVIOUSLY R~CEi`JED A DISCHARGE 1N BANKRUPTCY, THIS CORRESPONDENCE 1S NOT AND
SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY
ENFORCEMENT OF A LIEN AGAINST PROPERTY.
This Notice contains important legal information. If you have any questions, representatives at the
Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an
attorney in your area. The local bar association may be able to help you find a lawyer.
Anna Bann Repp by
Kenneth I. Repp,
Attorney inFact
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A
CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA
NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA.
PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS
EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA
FERDIDA DEL DERECHO A REDIMAR SU HIPOTECA.
STATEMENTS OF POLICY
Homeowner's Name(s):
property address:
Loan /Account number:
Original Lender:
Current Lender / Servicer:
Kenneth I. Repp
711 Hummel Avenue,
0275.040707-292
Mellon Bank, N. A.
Mellon Bank, N. A.
Lemoyne, PA 17043
The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAPI MAY BE ABLE TO HELP TO
SAVE YOUR HOME. This Notice explains how the prooram works.
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE
ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE
ASSISTANCE.
IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL,
• IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE
PAYMENTS, AND
• IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA
HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE -Under the Act, you are entitled to a temporary stay of
foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must
arrange and attend aface-to-face meeting with one of the consumer credit counseling agencies listed at
the end of this Notice. THIS MEETING MUST OCCUR_WITHIN THE_NEXT THIRTY130) DAYS. IF YOL
ce. It is only necessary to schedule one face-to-face meeting. Advise your lender
your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE -Your mortgage is in a default for the reason set forth
later in this Notice (see following pages for specific information about the nature of your default.) If you
have tried and are unable to resolve this problem with the lender, you have the right to apply for financial
assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out,
sign and file a completed Homeowner's Emergency Assistance Program Application with one of the
designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit
counseling agencies have applications for the program and they will assist you in submitting a complete
application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked
within thirty (30) days of your face-to-face meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT
FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY
PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE
ASSISTANCE WILL BE DENIED.
AGENCY ACTION -Available funds for emergency mortgage assistance are very limited. They will be
disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing
Finance Agency has sixty (60) days to make a decision after it receives your application. During that time,
no foreclosure proceedings will be pursued against you if you have met the time requirements set forth
above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your
application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY,
THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSE ONLY AND SHOULD
NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it ug to date)
NATURE OF THE DEFAULT -The MORTGAGE debt held by the above lender on your property located
at: Insert Property Address IS SERIOUSLY IN DEFAULT because:
A. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the
following amounts are now past due: Start/End: July 06, 2000 thru November 6, 2000 at $429.00 per
month
Monthly Payments Plus Late Charges Accrued $ 2,220.00
NSF: $ n/a
Inspections: $ n/a
Other $ n/a
(Suspense) n/a
Total amount to cure default $ 2,220.00
B. YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not applicable): N/A
HOW TO CURE THE DEFAULT -You may cure the default within THIRTY (30) DAYS of the date of this
notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $2,220.00 ,PLUS
ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY
(30) DAY PERIOD. Pavments must be made either by cash, cashier's check. certified check or mone
order made oavable and sent to: Laura Cortazzo, Mellon Bank, N. A., Two Mellon Bank Center
Room 152-A650, Pittsburgh PA 15259-0001.
You can cure any other default by taking the following action within THIRTY (30) DAYS of the date of this
letter.
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the
date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt. This means
the entire outstanding balance of this debt will be considered due immediately and you may lose the
chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not
made within THIRTY (30) DAYS, the lender also intends to instruct its attorney to start legal action to
foreclose upon vour mortgage orooerty.
tF THE MORTGAGE IS FORECLOSED UPON -The Mortgage property will be sold by the Sheriff to pay
off the mortgage debt. If the lender refers your case to its attorney, but you cure the delinquency before
the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's
fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you
will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00.
Any attorney's fees will be added to the amount owed to the lender, which may also include other
reasonable costs. If you cure the default within the THIRTY (30) DAY period. you will not be required to
oav attornev's fees.
OTHER LENDER REMEDIES -The lender may also sue you personally for the unpaid principal balance
and all other sums due under the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within
THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the
your default in the manner set forth in this notice will restore your mortgage to the same position as if you
had never defaulted.
EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriffs
Sale of the mortgage property could be held would be approximately SIX (6) MONTHS from the date of
this notice. A notice of the actual date of the Sheriff s Sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time
exactly what the required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER: Laura Cortazzo, Mellon Bank, N. A., Two Mellon Bank Center
Room 752-AB50, Pittsburgh PA 15259-0001; Telephone 412-234-6637; Fax 412-234-7226.
EFFECT OF SHERIFF'S SALE -You should realize that a Sheriffs Sale will end your ownership of the
mortgaged property and your right to occupy it. If you continue to live in the properly after the Sheriffs
Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at
any time.
ASSUNiPTfON OF MORTGAGE -You _ :_ mayor .- may not (check onel. sell or transfer your
home to a buyer or transferee who will assume the mortgage debt, provided that ali the outstanding
payments, charges and attorney's fees and cost are paid prior to or at the sale and that the other
requirements of the mortgage are satisfied.
YOU MAY ALSO HAVE THE RIGHT:
• TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO
BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT.
• TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF.
• TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD
OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO
CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
• TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR
ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS.
• TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE
LENDER.
• TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY IS ATTACHED.
Very truly yours,
SAIDIS, SNUFF I SAY
Johnn J opec ,Esquire
cc: Laura Cortazzo Loan no. 0275.040707-292
Mailed by 1" Ciass mail /Certificate of Mailing and Certified Mail No.: 7099 3400 0018 5000 7331
4
PENNSYLVANINA HOUSING FINANCE AGENCY
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
CONSUMER CREDIT COUNSELING AGENCIES
THE PENNSYLVANIA HOUSING FINANCE AGENCY CAN BE REACHED TOLL FREE AT 1 (800) 342 - 2397
CUMBERLAND COUNTY
Consumer Credit Counseling Service of Western Pennsylvania, Inc
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Financial Services Unlimited
117 West 3f° Street
Waynesboro, PA 17268
(717)762-3285
Urban League o9 Metropolitan Harrisburg
25 N. Front Street
Harrisburg, PA 17101
(717)234-5925
FAX (717) 232-4985
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX (717) 243-3948
JAMES D. FLOWER
JOHN E. SLID
ROBERT C. SAIDIS
GEOFFREY S. SNUFF
JAMES D. FLOWER, JR.
CAROL J. LINDSAY
' " 70HNNA j. KOPECKY
-KARL M. LEDEBOHM
JOSEPH L. HITCHINGS
THOMAS E. FLOWER
LAW OFFICES
SAIDIS, SNUFF, FLOWER & LINDSAY
A PROFESSIONAL CORPORATION
26 WEST HIGH STREET
CARLISLE, PENNSYLVANIA 17013
TELEPHONE: (717) 243-6222 -FACSIMILE: (717) 243-6456
EMAIL: attorney®ssfl-law.com
www.ssfl-law.com
March 9, 2001
Gregory L. Lensbower, Esquire
209 Broadway
Hanover, PA 17331
Re: Estate of Kenneth Repp
Dear Mr. Lensbower:
WEST SHORE OFFICE:
2109 MARKET STREET
CAMP HILL, PA 17011
TELEPHONES (T17)7373405
FACSA~IILE: X7'17)7373407
REPLY TO CARLISLE
Please be advised that I represent Mellon Bank who holds
a second mortgage on the property owned by the above-
captioned estate at 711 Hummel-.Avenue in Lemoyne, Cumberland
County. We note that Mr. Repp is deceased and that you have
taken out Letters of Administration for H. W. Barkby.
I am sending you a copy of the Act Notices that were
sent out in this matter.
In the interim, could you kindly advise at your earliest
convenience as to what your client's intentions are regarding
this real estate.
Perhaps we would be able to come up with an amicable
resolution. since it appears the property is now vacant.
Thank you for your attention to this matter.
Sincerely,
SAIDIS, SNUFF, FLOWER & LINDSAY
Johnna J. Kopecky
JJK:tdm
Cc: Laura Cortazzo, Mellon Bank
N
_•y
•!
f
i~'
~~~ ~
~~ G~o ~
~~ ~ ~ ~
~1 "~ W
D ~
N ~
00
# a
~ ~ ~~'~~
~ ~~
~'
~ ~^
~~
~ _
0
~ N
u ~'
~_ ~
N N (/)
m ~_
m ~ S ~
(=/1 ^ ~~
~ =?'i O
m~ ~-~'
>>'rm
m('nCN
~ ~ GG
;~ m
w ~
N r
c~ii Z
m O
t9
D
o ~~-
-~ ~~
~~
w
r
0
O
r ~~
m
u-i ~~
O
~ ~~
O
.a ~.~.~~
ti
0
,..
,;-;;
i -_ ..:_3
,f
~__
0
•°~' ~~
~~
Y
~~
r~ ~
~~
r~
~~
~~
f,~Ir81T
c
N N N
~rny
m ~ C m
~ ~ ~ ~
D2~0
~~0~
o~~~
W '~ N
N ~ ~
~ ;°. r
°~' a
m
~~
~~
~~
w
0
a
o
O
r ~~
m
u,
0
O
O ~~0
-J ~~~
w
w
t.
,~.._
~~ ~ ~'i
~~ ~;~
D = ~' -
{
N O m O D in
O ° m ~mv
3 v c
n mmp
mCmi
W
to °
o c y ~ rD,
v
o
3 _
zmm
x<
m N
7
v ~ s
Z
m
O
D
O ~
ry (n N ° d '^ N
m v m m a °•
n y 8
m>n
D=~
~-n~ m m rte-
=may Sam
9
V~ Zl
j ~
~ m
a.
o N 3 r
N~ C N a_
m '~
m~ ~l
'
O
..,.~ _ ~ to ~ o °z m
~
O3~ W ~O
~
(J
i ~ ~~
~
` F
,~,A Q N -- ~ ^ C m r
~ ~ j~~ i~ d Z Z
s,~,,;.- -~ k
0
N
M1
M1
O Postage $ .SS
0
O Certifietl Fee ~. A 0
u't "T
Retum Receipt Fee ~ r 25
~II (Entlorsemem Require[!) ~cr
a
~ (Endo ee m ReGuirFed) 2.?~
~ Total Postage 8 Fees g 5.9 5
0
? Raciplent§~"
m
~, ss~,-~c~ Anna Bann Repp
p Ciry Stare, Zi 2815 Tall Fir Drive
'~ Dover PA 17315-2287
i
9V O y
G43^~x
» b Xm
br_
n e~~ °
c m
'm
a
m
-.,:
m
' M1 ~ t:/
~ Postage '$. ° 1'' , ,: f ~• C
~ Certified Fee '
A(a
,
`
W ~
`
~ Retum RerRip(Fee
(Endorsement Requsetli ~f
~
~ c 7 ,,
~
[
tl
`
p Restricted Delivery Fee ry
p
(Endorsement Required)
y ~ J
5
O Total Postage & Fees $ 5, 5
O
m ReeiPH
°-' S"~`' Kenneth I Repp
o c;ry s. 711 Hummel Avenue
``
~ Lemoyne PA 17043
- -
---
'.; A , '~.
PgsR(~lark \4
Lire 1
S
1 ~
~~'I~/
!.i5~ l
1
T p
~ m OD N
3 q
~
I I I pm
m mm
` O
y
W
m
r ~ ~ ° C
6
m Om
D
V ~ ~ ~
3 --~ ~ 0 ° ap
3 Z r r
N
m ~ C~ m a m p
~ 3 ~
~ ~ Dp
p A
m
m Z
N 't m
tY m
~ D ~ ~ -. ~
Q
W uCL a C'1 y yO C~
a
we vrny io y
~ m =r Hz 1
q, ~ N ~' ~ mm
m' '11
z
D
TO C)
=
y
` D
3- f ~ °z
o
(D m
W ~ ~ W ~
-
.. _' Q Qe ;
N N y T
. ~m r ~ ~
m 9 o D
5r a
a ~. ~ N z
y . na,.~., va-o y-
~i,t ,j..•Rq yU9~ 3 ax
'°°
n ~. 6 r9n
~, ~ V
~ ~ ~
~
~'. ':a .
_~
~3 ~ _.~
~ i 1
O ! _
G~ ~ IV
r n
C
7
C .
!
i_I
~~- LJ l ~ '~
~,
f. -- ?t
, J
l~ =t
.qR. h6Y~sia'h?:.^":•g ~,:.x.> :snx *s~ca^~ta~.xR~-?*v~r~b.`~rape,Ya!q'zkw!