The URL can be used to link to this page

Home My WebLink About01-06897 , . "' , . Spear & Hoffman, PA BY: BONNIE DAHL, ESQUIRE Attorney LD. No, 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey ')8034 (856) 755-1560, Attomey for Plaintiff, Loan No. : 4801107212 BANK OF AMERICA, N.A. 475 CROSSPOINT P ARKW A Y P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 61 - ~P97 Go~l '-r~ vs. JOHN J. WELLS, JR. AND LINDA LEE WELLS 1004 NORTHFIELD DRIVE CARLISLE, PA 17013 DEFENDANTS COMPLAINT - CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in court, If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to -you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17103 (717) 249-3166 -'- ~, "' ,,<,,, -'" '~, . "/~i' ,. :"'~'''; '::":' '~',R'__""o,'..l""~'" ,',[r, C'\""~~"'"""",,.,~.", ," 'f"-'~:'.; ,. '.':~, '-",.":'" ,t. -- , :~,"""~""'.,: ."'. ., ~, "',, r'" . "< , A VISa Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted.tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Race falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, lacorte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVEESTADEMANDAA UN ABOGADOINMEDIATAMENTE, SINO TIENEABOGADO 0 SINO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LlliERTY AVENUE CARLISLE, P A 17103 (717) 249-3166 '.~'"""' ^- ''",'f0:',.;'~ :'''''''''__/;~''''"o/",<i'r;~<,''_:'! .'.""", :".,7--,1(:':--" "_"'T; ""'~' g .... , - , " -~ -"'" -"cq. '," ." ,~~,- ~", '>, ",- ~;, . " , , Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney I,D. No, 79294 . 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 4801107212 BANK OF AMERICA, N.A. 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 01 - t...P97 Cw~l <=-y- ~ vs. JOHN J. WELLS, JR, AND LINDA LEE WELLS 1004 NORTHFIELD DRIVE CARLISLE, PA 17013 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA, N.A., with its principal place of business located at 475 CROSSPOINT PARKWAY, P.O. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses of the Defendants are: JOHN J. WELLS, JR. AND LINDA LEE WELLS, 1004 NORTHFIELD DRIVE, CARLISLE, PA 17013. 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both, 4. On or abDut NOVEMBER 30, 1992, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to BANK OF AMERICA, N.A., which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: NOVEMBER 30, 1992 DATE RECORI)ED: DECEMBER 2, 1992 BOOK: 1105 PAGE: 540 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 1 '7J.'lf~iC.l ~';"<.~'";.-lj;r=.,':'C!';"1':,'_',."" " ,""~" ,; ~'" "I" ,---' -~'C';'~~!" "C",'"!",,,~,,,,,,._.,. '_.'~ ',~~ . -- -- -~"', ".'<' . ~_~' "e.,__' ~, "', ,'_ ~, ."._" . k- , , , 5. On or about NOVEMBER 30, 1992, in consideration of their indebtedness to BANK OF AMERICA, N.A., JOHN J. WELLS, JR. AND LINDA LEE WELLS made, executed and delivered to BANK OF AMERICA, N.A. their promissory Note in the original principal amount of$83,936.00, A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage, 6. Plaintiff is the legal holder ofthe Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: ASSIGNOR: BANK UNITED OF TEXAS FEDERAL SAVINGS BANK ASSIGNEE: h1ARGARETTEN & COMPANY, INC. DATE OF ASSIGNMENT: DECEMBER 10,1992 RECORDING DATE: AUGUST 5, 1993 BOOK: 450 PAGE: 920 ASSIGNOR: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY, INC. ASSIGNEE: BANK OF AMERICA, FSB DATE OF ASSIGNMENT: SEPTEMBER 1, 1994 RECORDING DATE: AUGUST 18, 1995 BOOK: 502 PAGE: 314 7. The Mortgage is secured by property located at 1004 NORTHFIELD DRIVE, CARLISLE, PA 17013, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference, 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, due 06/01/01 and monthly thereafter are due and have not been paid, \Vhereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage: Principal Balance $75,855.52 8.00% interest from 05/01/01 to OCTOBER 30, 2001 at $16.86 per day $3,034.20 Accrued Late Charges $217.83 I;~. . 2 - - c: __"', -'.~_~,_ ,'_"~;.""!,., l>'_:':I'~..'-' ::',~..-'_C_"'" ". .< ';_ ,,'3" 7"f;' ~'; , ~""_ 0'" ',"1"._~.";s:--,,, ",)'-.;' , '~,--~, -, ~~'~ c "~".",, ".--,-" .. Attorney's Fees $2.829.50 TOTAL AMOUNT DUE $81.937,05 Interest continues to accrue atthe per diem rate of$16.86 for every day after OCTOBER 30, 2001 that the debt remains unpaid. 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, etc. 11. Pursuantto the notice provisions of Act 91, 35 P .s. 9 1680A03( c), and the notice provisions of Act 6, 41 P.S. 9403, as governed by 12 Pa. Code Section 31.201 et seq. as amended by Act 160 of 1998 effective February 19, 1999, Plaintiff sent the combined Notice of Intention to Foreclose Mortgage and Act 91 notice to Defendants, dated AUGUST 1,2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to cure the default and Defendants have failed to meet with the plaintiff or any of the consumer CI edit counseling agencies listed in the notice and/or have further failed to meet the time limitations specified in the notice and/or have been denied assistance from the Pennsylvania Housing Finance Agency. 12. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest accruing after OCTOBER 30,2001 to the date of Judgment, plus 6% legal rate of interest from date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expended by the Plaintiff in payment of taxes, sewer and water rents, claims or charges for insurance or repairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuant to the rights and privileges granted under the terms ofthe subject mortgage, and for foreclosure and sale of the Mortgaged property. SPEAR & HOFFMAN, P.A. DATE 4/0 I /In yt/1.- flONNIE DAHL, ESQUIRE 3 iG';ft(, - ',. '~.,,,; {",,:,,:J,'~,,~c::-,'-."r::,~,,)'"_' ,0" ,,--"'-, '-.' "-r, ",c, ",~ o-',C', 'i~_ ,",'0'",,0 '_T~__.,_ ,,~"" ,,~-,,",--?,-o~'" ,., J C'-""< '-'"~__"___'_,'"~,, 'd"" ,. _ ~0062J95wpd Page 1 VERIFICATION The undersigned hereby states that he/she is an authorized officer, representative or agent for Plaintiff in this action and that he/she is authorized to make this Verification on behalf of Plaintiff, and that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of his/her knowledge, information and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. S4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. J' Date: . ~h. ~Jj-LNj;-, Name: Karen M. esetarits Company: BA Mortgage, LLC Title: Officer Vi\_-jWl<)..,,,_.,~ _"",, , '- ", ,. _. ~ ~~I!Il,_.,__ ." """'lII'l1=~ ,~.J1l" <~ '" ~ - '__,~."-~g.,,,->c'> ,';-f"~'<;"',-, -,.'".,~- p, Exhibit "A" . ,0 '"'''''f''_'"'O ~~,,,,__,,,, ~.~.~,_,'~~:'T,!",_, ", ,'", ,,' '.'" J" -.,<," ... ',~ ~ ,..,.-- P~EPA;S~ BY TINA FOULDS <C;'---\ !J 0--"\,,) ~ ! Vi\fonnU--4.'~(IIo""'IAIRn) R.,vi<<dlv<1l' 1'11';. u..op. lio".L~c!;""lgIO.Tille)8 u.s,c,'AceeplabloI" red"al Nil;,..l M'>rt~'ge ",,,,,,;..i01l RETU RN TO BANK UNITED OF TEXAS FSB DBA CUMMONWEALTH 'UNITEU MTG 3461 MARKET STRE~T CAMP HlLL"M.tjltWX(i]t PENNSYLVANIA THIS INDENTURE, made the 3 0 T H /x v nine hundred and NINETY TWO 'Ilt'""fLl!. W~LLS , MARRIED ([~. ere ){ BAN UNITED OF TEXAS FSB <". ~a &JrJ MdnXorganized and existing under-'the laws of UNITED STATES , and having its pri ipal office and post-office address-in 3200 SOUTHWEST FREEWAY. #2000 HOUSTON, -i.!!> . after called Mortgagee): TE XAS 77 0 2 7 day of NOVEMBER in the year of our Lord one thousand ,BETWEEN JOHN J. WELLS, JR. AND LINDA (hereinafter called Mortgagor) and WITNESSETH: That the Mortgagor to secure the payment of HUNDRED THIRTY SIX AND 00-100 EIGHTY THREE THOUSAND NINE ~ 'L r'_O) , .~'.j {) (; I., ~, .) Dollars ($ ':'*83,936.00), with interest from date, at the rate of EIGHT AND 00000 1lI100000 per centum ( 8.000 %) per annum on the unpaid balance until paid, as provided in a Note of even date herewith, from the Mortgagor to the Mortgagee, in monthly installments of SIX HUNDRED FIFTEEN AND 90-100 Dollars ($ *,'d*''<*61S .90 ), commencing on the first day of JA.NUARY ,19 93 ,and continuing thereafLer on the first day of each month until such debt is fully paid, except thal, if not sooner paid, the final payment thereof shall be due and payable on the first day of DEe E M B E R , 2 0 2 2 , and also to secure the performance of all covenants, agreements and conditions herein contained, does by these presents grant, bargain, sell, assign, release, convey and confirm to the Mortgagee, ALL the following described real property situated in the BOROUGH of CARLISl.E , , CUMBERLAND "WI County of and Commonwe~lth of pt;nns~I~~~lil~dP.,. ~\tr '~"~TIPI!T lU~ "TmS LOAN IS Nil! :\\I,lJ;'(i\OLr. y~IIUU nil: fI!'PRuVAL or !Hi. ....; ."itiUiS rjOMINI~R^lmN OR ITS fi!nl'lIHl!?r.n ^!'HI1."""<rfiQ, u. , ~,"",\J~LJ.., 'Ill ,./~Jti~h ~.\ '?€t,: _SEE ATTACHED LEGAL DESCRIPTION'" ~#v.), l ,.; ....., <1""- ...........oI<"'-~ ("0 C'J '" ;.';1,- <,) '..) c.> /.; f1 ~.;~ ! ir:: I Ii C, ,.~ ':) <.)r,.! c- !.u [0 n=: - E:: U- '" :', <.J OJ Lw Cl C'J 0", THE WITHIN MORTGAGE is A FIRST PURCHASE MONEY MORTGAGEl THE CONSIDERATION FOR WHICH CONSTITUTES A PART OF THE PURCHASE PRICE OF THE ABOVE DESCRIBED PROPERTY. BEING THE SAME PREMISES CONVEYED TO THE MORTGAGORS BY DEED FROM OF EVEN DATE, TO BE RECORDED SIMULTANEOUSLY HEREWITH. TOGETHER with all and singular the buildings, improvements, and fixtures on said premises, as well as all additions or improvements now or hereafter made to said premises, streets, alleys, passages, ways, waters, water courses, rights, liberties, privileges, hereditaments, and appurtenances whatsoever thereunto belonging, or in any wise appertaining, and the reversions and remainders, rents, issues, and profits threof, and in addition thereto the following described household appliances, which are, and shall be deemed to be, fixtures and a part of the realty, and are a portion of the security for the indebtedness herein mentioned, namely, provided, however, that the Mortgagor shall be entitled to collect and retain the said rents, issues, and profits until default hereunder: x To HAVE AND lD HOLD said property, hereby granted, with the appurtenances, uhto said Mortgagee to its own use forever: VMP A 00848345 ill':' j W( ;l'c540 "no 11\~O? I~ "'" r'!1'~".,~ ,~ .~ ~, " [ ,~ --".,.. ,~ . ~...,...",,,,i-"'~',=--mo;,, -'-"<j;, ,,:,~; _'" i,/,i~~'" . ',,\ 'v~hz" 00'84'P45 ,-,,;' ,f;);\"" This Indenture is made, however, subject to the following covenants, conditions, agreements and stipulations, and the Mortgagor covenants and agrees: I. That the Mortgagor will promptly pay the principal of and interest on the indebtedness evid7nced ~y the said Note, at the times and in the manner therein provided, with privilege reserved to prepay at any bme, without premium or fee, the entire indebtedness or any pan thereof not less than the amount of one installment, or one hundred dollars ($100.00), whichever is less. Prepayment in full shall be credited on the date received. Partial prepay- ment, other than on an installment due date, need not be credited until the next following installment due aale or thirty days after such prepayment, whichever is earlier, 2, To more fully protect the security of this Mortgage, the Mortgagor shall pay to the Mortgagee as trustee (under the tenns of this trust as hereinafter stated) in addition to and concurrently with, each monthly installment of principal and interest until said Note is fully, paid, the following sums: (a) A sum equal to the ground revts, If any, next due, plus the premiums that will next become due and payable on policies of fire and other liirzard insurance, plus taxes, assessments, and sewer. and water rents, next due on the premises covered by this Mortgage (all as estimated by the Mortgagee, and of which the Mortgagor is notified) less all sums already paid therefor divided by the number of months to elapse before one month . prior to the date when such ground rents, premiums, taxes, assessments. and sewer and water rents, will become due, such sums to be held by Mortgagee in trust to pay said ground rents. premiums, taxes. assessments, and sewer and water rents. (b) The nggre8ate of the amounts payable pursuant t? subparagraph (~) ar:-d tho~e payable on this debl shull be paid in a Single payment each month. to be applied to the followlIlg Hems III the order stated: (fJ g.round rents, taxes, aSSC3srncnrs. ~ewer and water rents. fire and other hazard insurance premiums: (IIl mtcrest on this debt; and OH) amortization of lhe principal of lhL~ deb!. Any deficiency in the amount of any such aggregate monthly payment shall constitute an event of ddault hereunder and under said Note. unless made good by Mortgagor prior to the due date ofthe next such payment. At Mortgage~'s option, Mortgagor will pay a "late charge.' -not exceeding four per centum (4%) of any II1stallmcnt when paid more than fifteen (15) days after the due date thereof to cover the extra expense involved in handling delinquent payments. but such "late charge" shall not be payable oui of the proceeds of any sale made 10 satisfy the mdebtedness secured hereby, unJess such proceeds of an)' sale made to satisfy the indebted~ess secured hereby. unless such proceeds are sufficient to discharge the entire indebtedness and all proper costs and expenses secured thereby. 3, ]f the total of the payments made by Mortgagor, under (a) of paragraph 2 preceding, shall exceed the amount of payments actually made by Mongagee as trustee for ground rents, taxes, assessments, sewer or water rents. or insurance premiums, as the case may be such excess shall be credited on subsequent payments to be made by Mortgagor for such items or, Mortgagee's option, as trustee, shall be refunded to Mortgagor. If, however, such monthly payments shall not be sufficient to pay such items when the same shall become due and payable, then Mortgagor shall pay to Mortgagee as trustee any amount necessary to make up the deficiency within thirty (30) days after written notice from Mortgagee stating tbe amount of the deficiency, which nOlice may be given by mail. If at any time Mortgagor shall tender to Mortgagee. in accordance with the provisions hereof, the full payment of the entire indebteaness represented hereby, Mortgagee, as trustee, shall in computing the amount of such indebtedness, credit to the account of Mortgagor any credit balance remaining under the prov1sions of (a) of para.graph 2, If there shall be a default under any of the provisions of the Note and this Mongage securing the same, which results in a public sale of the premIses covered thereby, or if title to the l'ropen.y is otherwise acquired by the Mortgagee after the default, the Mortgagee. as truslee,.shall apply, allhe Illne of the commencement of such proceedjngs or at the time the property IS otherwise acquired by the Mortgagee, the balance then remaining to the credit of Mortgagor under (a) of paragraph 2, as a credit on the interest accrued .md unpaid. and the bulance on the principallhen remaining unpaid on th.e Note. 4, Mortgagor shall pay to Mortgagee aU ground rents, taxes, assessments, sewer and water rents. and all other charges and claims assessed or levied at any time by any lawful authority upon the premises covered by this Mortgage which, by any present or future law or laws, shall have priority in lien or payment to the debt represented by Said Note and secured by this Mortgage, and provision for the payment of which is not otherwise made herein, such payment to be made by MOTlgagor within lhiny (30) days after demand by Mortgagee, stating the amount. 5. The principal indebtedness hereby evidenced and secured represents money actually used for the acquisi- tion of or for improvements to the ,premises sel:ured by said Mortgage. 6. Mortgagor,wi]] cont}nually ma~ntain hazard jnsurance, of such type?r types,,and amounts as the Mortgagee may from tllne to time reqUire" on the Improvements now or hereafter on said premises, and except when payment for all such.premiums has theretofore been made under (a) of para,graph 2 hereof, will pay promptly when due any premiums therefor. All insurance shall be carried in companies approved by Mortgagee and the policies and renewals thereof shall be held by Mortgagee and have attached therelo loss payable clauses in favor of and in form acceptable to Mortgagee: In event of loss, Mortgagor will give im~ediate notice by mail to Mortg~gee, and Mong~gee may ~ake proof ofl05s If not made promptly ~ Mortgagor. Each Insurance company concerned IS hereby authonzed and ~Irected to make payment for such loss directly to Mortgagee instead of to Mortgagor and Mortgagee jointly. ~ The m~urance proceeds, or any part !hereof, may be applied by Mortgagee at its option either to the reduction of the IOdebtedness or to the restoration or repair of the property damaged. In the sole and absolute discretion of Mort~age7' in event of foreclosure of the Mortgag~ or t~ansfer of title to the mortgage9 property in partial or tota,l ~xtmguls~ment of the Note hereby secured, all nght, utle, and interest of Mortgagor In and to any Insurance pohcles th~n 10 force shall pass to the purchaser or 8rantee or shall be canceled and the cancellation proceeds. If any, retawed by Mortgagee. FuJI power is hereby gIVen to Mortgagee to settle or compromise all claims under such policies and to demand, receive and receipt for all moneys becoming payable thereunder, 7. Mortgagor shall not execute or file of record any instrument which imposes a restriction upon the sale or occupancy of tbe property herein described on the basis of race, color or creed. \ 8. M?rtgagor will not suffer any lien superior to the lien created by this Mortgage to attach to or to be ell- fo,rced BgmflS! the premises t'Overe~ !'Y Ihis Mortgage, MOfigagor shall nol c-flmmil or permit waste; and shall main~ tUII: th~ properly In us good ~ondll1on us at present, reas(?nable wear and tear excepted. Upon any failurc~o.,to . mamtalO, Mortgagee, at ltS opoon. may cause reasonable lDt-llnlenance work to be performed at the cost of Mnrtgflgbrru, ' ,THE 110RTGAGOR COVENANTS AND. A~RP,-ES THAT SO tONG AS THIS MORTGAGB AN1?~l;r~//:, S^ID _ NOTE SECURED HEREBY ARE GUARANTEED UNUER THE PRay lSiONS OF nIE A~_~:..-<J;" c..,\ .'H~RVLGEMEN S REAI)JU~TMENT ACT OF' 19214,. HE WILL NOT EXECUTe ()({ l?lLf. 'aT[' J-f'~l RECI)RD ANY INSTRUMENT WRlCK IMPOSES A RESTRICTLl)N UPON THE SALE OR ~~ OCCUPANCY Of THE MORTGAGED PROPERTY ON THE BASIS OF RACE" CO)._ OR 'EU. UPOI'I, AN.Y VIOLATION OF THIS UNDERTAKING, THE MORTGAGEIl MA'f";"':'::A1":>?l*:5:;PPTID , Df-CLARE THE UNPAID BAl.ANCE OF THE DEBT SECURED H~REBY IMMEIJ-LA.'fEL'r:,,:DlIE AND to""' ~~ ~ - - c.." ;:; ", c.." """ ..... '-'''''"'';o;*~Ii''_ "~"~i!--,r: ~. ~ T' -1"!'1"'1"!r~ ,,~~~ ,,^" -. .. ! "~,J.~ " ,~.~ ' VMPJ t . il~"".f)iJI ~ TI.-rr~' TiTf"g SECRETARY OF VETE1Ud~S ,Al"PALRS SHAI';I. 13:~ SUBStITUTE\) -poy!'(r~,efer~ :o/AlJH1Nl. ~nRATOR OF VE.TERANS AFFA1RS EACH T iMB Tf-lAr IT APP~ARS iIN '\Wt!)I')' DOCUM'lNT PURSUANT TO THE PROV [5 f ONS OF SECTION 2. PUB. L. NO. 1 Of)\~;) HE DEPA.RTM[~NT OF VETERANS AFFAIRS ACT. "'..... ',~:JJL{ 9. Mortgagee ,shall have the right to pay allY ground rents, lax.es, assessments, sewer and wate rents, an all othcr charges and claims which Mortgagor has agreed to pay under the terms ~ereof, to advan.ce an)j...pay..an)i sums of money that in its judgment may be neccgsary to per.fect or preserve the lltle of the premIses covered by this Mortgage. or for insurance premiums o~ for any autfionzed ~amtenance- work. ^n~ amount, or amo~nt~ so paid or advanced shall be added to the prinCIpal debt, sha1l bear mterest at th~ rate provIded for In the pnnclpal mdebtedness from the date of payment or adv~nce, ~nd shall be secured ?v this _Mortgage ratably wil~ said p~m- cipal debt nod interest thereon. Mortgagee, at It..<; optlon, also ~hall be entitled to b~ subrogated to any hen, cfalffi, or demand paid by it, or discha~ with money tldvanced by It and secured by thiS ~ortgage. The p<l:yments and advances so made shall be payab1e in approximatdy'equal monthly payments extendmg over such penods as ~ay be agreed upon by the M(?rtgagor and Mortgagee, but no~ beyond the due dale of the final instalIm~nt of the pnn- cipal debt. In event of faIlure to agree on date of matunty, the whole of the sum or sums so paJd or advanced shall be due and payable thirty (30) days after demand by Mortgagee. , 10, The lien of this .Mortgagee shaWremain in full force ~nd ~ffect during postponement or extension of the time of payment of the mdebtedness, or any part thereof. which It securcs. II. Upon the request of Mortgagee, Mortgagor shall execu,te and deliv~r a. supple.mental Note or Nol'es for the sum or sums advanced or paid by Mortgagee for the alteratIOn, modernizatIOn or Improvement of the mort- gaged property made at Mortgagor's request; and for maintenance of said property; or ground rents, taxes, assessments, sewer and water rents and all other charges and claims assessed or levied against said property by any lawful authority, or for any other purPose elsewhere authorized hereunder. Said Note or Notes shall be secured by this Mortgage on a parity with and as fully as jf the amounts stated in such. Note or Notes were pa.rt of tha~ stated ~ t~e N<:>te hereby secured. Said supplemental Note or Notcs shall, bear mterest at the rate provided for In the pnnclpal 10- dcbtcdncss and shall be payable in approx.imatcly equal monthly payments fi)r such period as may be agreed upon by Mortgagor and Mortgagee. In event of failure to agree on date of maturity. the whole of the sum or sums so advanced or paid shall be due and payable thirty (30) days after demand by MQrtgagee; but in no event shall any such maturity or due datc extend beyond the due datc of the final installment. of the principal debt. J2. If the indebtedness secured hereby be guarantced or insured under Title 38, Unitcd States Code, such Title and Regulations issued thereunder and in effect on the date hereof shall govern the right,;, duties and liabilities of the parties hereto, and any provisions of this or other instruments ex.ecuted in connection with said indebtedness which are inconsistent with said Title or Regulations are hereby amended to conform thereto. J3. If, at any time, a Writ of Execution (Money Judgment) or other execution is properly issued upon a judg- ment obL-'1incd upon said Note, or jf an Action of Mortgage Foreclosure or any olher appropriate aetlOn or pm- cecdi~lf)E foreclose a mortgage is instituted upon or under this sM8,{%age, an attorncy's commission of ' per centum ( . %) of sajd principal debt shall he \Jayable, and recovered in addition to all principal and interest and all other recoverable slims then due, together wit I costs of suit. 14. If any defrcienq in the amount of any aggregate monthly payment mentioned in (b) of paragraph 2 shall Ilot he made good by Mortgagor prior to the due date of the next such payment, or if default be made at any time in any of the covenants and agreements herein, or in the Note secured, then and in every such case, the whole principal debt shall, at the option of Mortgagee, become due and payable immediately. Payment thereof and al1 mterest accrued thereon, with,an attorney's commission as hereinbefore mentioned, may be enforced and recovered at oncc, anything herein contained to the contrary notwithstanding. In the cvent of any breach of any wvenant, condition, or agreement of said Note, or of this Mortgage, it shall be lawful for Mortgagee to enter upon all and singular the land, buildings, and other right<;, corporeal and incor- poreal, gmnted by thlS Mortgage. and to take possession of the same, and of the fixtures and equipment therein, and to have, hold, manage, lease to any_person or persons, use and operate the same in sllch parcels and on such terms and for such periods of time as Mortgagee may deem proper in its sole discretion, Mortgagor agreeing that he shall and will, whenever requested by Mortgagee so to do, assign, transfer, and deliver unto Mortgagee any lease or sublease; and to collect and receive all rents, issues, and profits, of said mortgaged premises and every part thereof; for all of which said Note shall be a sufficient warrant whether or not such lease or suble.1se has been assigned; and to make from time to time all reasonable alterations, renovations, repairs, and replacements thereto. After deducting the cost of such alterations, renovations, repairs. replacement..,,>, and the expenses incident to taking and retaining possession of the mortgaged property, the management and operation thereof, and to keep- ing the same properly insured, to apply any residue of such rents, issues, and profits to the payment of (a) all ground rents, taxes, charges, claims, assessments, sewer and water rents, and any other liens that may be prior In lien or payment to the debt secured by this Mortgage, with interest thereon, (b) premiums for said insurance, with interest thereon, (c) the interest and principal due and secured by this Mortgage with all costs and attorney's fees; in such order or priority as Mortgagee may determine, any statute, law, custom, or use to the 'iontrary notwithstanding, The taking of possession of the mortgaged premises by Mortgagee, as herein provided, shall not relieve any default by Mortgagor, or prevent the enforcement of any of the remedies provided by said Note or this Mortgagc. The remedies provided by said Note and this Mortgage or any other indebtedness therein provided or secured by thiS Mortgage, and for the performance oflhe covenal!ts, conditions, and agreements of said Note or this Mortgage are cumulative and concurrent, and may be pursued smgly, or successively, or together at the sole discretion of Mortgagee, and may be exercised as often as occasion therefor shall oecu~, ' PROVIDED, that in case default shall be made in the payment of any installment of principal and inlcrcst. or any other payment hereinabove or in the conditions of said recited Note provided for, or in the keeping and perfor- mance by the Mortgagor of any covenant or agreement contained therein or in this Mortgage 10 be bY said Mortgagor kept and pcrforme~, m the, manner and at the time specified for the performance thereof, such default will entitle Mortgagee forthWIth to brmg and sue out an Action of Mortgage Foreclosure upon this Indenture of Mortgage or to Institute any other appropriate action or proceeding to foreclose a mortgage, and to proceed theJeon to Jqdg~ m~n,t ~~d. ~X~~U~I~I:, .f~r. ~~o~~~ .Of said principal debt or sums and all interest thereon and all ot.~~,~,~)~~s..,.&~\~r;y ,--11-1 ,c. , \jTHE HORTG^-GOR COVENANTS AND AGREES THAT SHOULD THIS MORTGAGE O';'-~;HfrJ~NO'~E sr~C;UrUiJJ Hr<:RI~BY NOT BI~ ELTG[BLE FOR GUARANTY OR l-NSURANCE UNUr\R'\THE j 31~RV1CEM~~N S READJlJ3TME;NT ACT WiTfIIN 90 DAYS FROM nu; DATE HI;REo.~.. (~'TI~N st~T~MEN'r I)P ANY OFFICER OR AUTHORIZED AGENT OF THE VETERANS - A,'MINISTRA'f[ON DECI~[NiNG TO GUARANTEE OR INSURE SAL[) N()T~ ANi)"IOR THiS MUllTGACF, Bl",LNG DEI~MEI) CONCLUSIVr:; PROOF OF SUCH INE,LIGIBLLI'L'l), TH.E PRl~SI~NT f!f.lI,I)P'K OF Tl{~ NOT[~ SI~CURED HE.RRnY OR ANY SUBSEQU6'-N'f-<~'f'i'~Le"iB'~""'(J1'H<,R~-oF UAY, AT J'n; fJl'r I ON, DECLA.RE ^-LL NOTES S[~CllREU flERF.,rn HH1.Ell LATF.L,Y I}Ur::~ AND PAYABLI'::.~' ,-,',t,. f/'I': " ~ ' I", "~ 'l "'1i",,,%:~ ."1'", " ~ '" "';-,j . ' ,i' , . ,:,-:-:.-.'~, ~:VMP 4" , ~lJS 3';1,) 9JH'fJi1g .' '/;:';'0084831,5 secured, together with an attorney's commission for collection, as aforesaid, and costs and expen'se.'s."."Of such pro- ceeding, and to pursue any and all other appropriate or equitable remedies in such cases provid~~,~.ithout further slay of execution or other process, any law, usage, or custom to the contrary notwithstanding. Md-tI'gagor expressly waives and relinquishes all benefit that may accrue by virtue of any and every law made or to be made exempting the mort.gaged premises or any other premises or {>roperty whatever, real or personal, from attachment, levy, or sale under execution, or any part of the proceeds ansing from any sale thereof, and all benefit of any stay of execu- tion, or any part of the proceeds arising from any sale thereof, and all benefit of any stay of execution or other process. Mortgagor hereby waives and relinquishes unto and in favor of the Mortgagee. all benefit under all laws now in effect or hereafter passed to relieve the Mortgagor in any manner from the obligations assumed in the Note for which this Indenture IS security. ' BUT PROVIDED ALWAYS, nevertheless, that if said Mortgagor shall payor cause to be 'paid unto the said Mortgagee, the afi>resaid debt secured by this Mortgage, when and in the manner hereinbefore mentioned and appqinted for payment of the same, together with interest and all other sums hereby secured, then and from thenceforth, this Indenture, and the estate hereby granted, as well as said recited Note, shall cease, determine, and become void, anything hereinbefore or in said Note contained to the contrary notwithstanding. If this Mortgage is executed by more than one person as Mortgagor, the liability of each shall be joint and several. The covenants, conditions, and provisions contained in s.aid Note. or in this Mortgage, shall bind. and the benefits and advantages thereof shall mure to, the respective heirs, executors, administrators, successors, vendees, and ilssigns of the parties hereto or thereto; and whenever used in said Note or in this Mortgage, the singular number shall include the plural. the plural the singular, the use of any gender shall be applicable to all genders, and the term "Mortgagee' shall include any payee orthe indebtedness represented by said Note, or secured by this Mortgage. or any tran!'lfcrcc thereof, whether by operation of law or otherwise. IN WITNESS WHEREOF. Mortgagor hereunto sets his hand and seal. Dated the d~y and year first hereinabove wrillen. SIGNED. SEALED AND DELlVERED [1'1 THE PRESENCE OF: ," ,():;r-"'" \ ' y;) '\') /).'1.'(' , .\. ~c-~~ttJI. Jt.Ji.."CJJ"" ,,(SEAL) \ J~~ }..WEL~S ~JR. 1 ~"7ft/(a:,, b'fu.., /c (ct, '" (SEAL) 1/ / J"" LINDA LEE WELLS , (SEAL) ...". (SEAL) CERTIFICATE OF RESIDENCE I, correc( addre,,1{jFtl1<,s~~fi\~JIr,hjj&j\Mor(gagee is \--'j('.' \ 1 , do her~by certify that the :~Ur., \ "(1\"J',\,,,,'-I- ~.~?~___~,..+ (1':-<""0 H--:\\ \y.\-.. ,,, IL(;' / ,-' r ' Witness my hand this 2)('\ Ll-. day of , 19 NOVEMBER 9' ,....,.r.').,Y>'".. ,r-~. ,'. ') 11 ! , . <<'.~' \- . IJ.~.I'),' /.,::\.........). AkMf" !l"rtll"~U COUNTY OF (~...01" ,10/.,--\ i'I',.'1 COMMONWEALTH OF PENNSYLVANIA ss , A.D., 19 , before me, ',' rt9,V1g.1fH~E.Jbove-named 9 2 ~1t',:;' ':~,~\, J JOHN J W~LkS, \~f~\;J\INO ~t'INDA r.fi'.J", tJ~I.L.s MA.RR fTIi.1.l ' ;0, ,'fi'1 ...... ;:;;~'- and",,';'rowltugcd tire wnn;n,noen(ure 01 Mortgage (0 be act and deed,;;!Jt\t,~iill.l\~lIY<\~Mit, to be recorded as such. THEf.R .t"\~iJ, ..~''" <1"."", 'I~, ~ ;~', ';";:'~ . '~~~_ WITNESS my hand and seal. the day and year aforesaid: ._-, ~' '2 I })t~)~~ ;1.~h~:,~ f~i:r~ J I I. t:,'l,....~' ~ 11-1\:* 'f!,\-- 1))11""\ , .{'"\~-\..:,tv-).~?p.\:~~i~;\*".,..,'~~h ~~, (",!', n '" <" I" .1, '-! ~]; ;~:".. '" ~ I' . '?~t,"i,c "l'l>'(,"'~~h T'.' \~')" ,'\i NotanalSeaI \-.. ~'~, r.I'~J'..':\'~ BonnlFlJo 8()alover, No Ptlblb ~ Hampden "\V..'P., Cumbe nd County c ~ ~ ~ , ... ' MyComrnlssloil~pIrf!s 25, 1993 ~' ; ~ ~ : ] Mnmbof, fIerlm.yt.ronla r-. atlonafNotaries ~ .'": ~ .s : ~ ~ '0> .S ~ N oct: ~~ 2:: 5 . <.J Ci" "= 'a ~ On this ~'?)C~\ y:). day of ::t: [~ <t: ;;.< ,.. --r: "" I>J ;:E ::::"''"' :<':0;>- o '" ~ Z ~ Z ~ w o a.. u "' '"' ~ ~ c.'J ~ o ~ ,,' en <OJ u "' :> -",,,,,,,,,~ -'-' '- <OJ '" z ~ '"' '" z <OJ <OJ ~, ~ ~ g~ ~ ~ ~ "2 ~ ~~ '" ~ ~ ... ~ ~ ..>;;;: ~\ :'>7< H~ "'''' 0-' ~ o ,~ ...:lZ C,J /, "-I ~t) '"~ '" [.., cnCr:.t.) ~oJ 0 ...:l mzrn ~ H :-t: -:T _1 (oj 0 r:.: r:.:~~ r"l" ...~ " o Z ." U. '"' o ~ ;J: '" s::;~ <CZu !;':'.fu. p";..JO Z'r>- Ovo, , -2':~ ';",,"Z ''"':1'''::0 O~O u U " o(tl olH ~'" '" ,." {fl~ -, ~_l ~ W "'en -' ty-.l ~~ c 5 ~ "tl o~ () . " o c .~ ~ :g ~,"1:;j " " o ~ ~. ~~ . . "'" ~ 'G"t . 0 .>--1, r~l _'" ",,- ~'-t'~ ~:'~:'l '1(;,-1 "' z "'''' ? I,~ !-,.1 "'.,,- ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Borough of Carlisle in the County of. cumberland and commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on the,northern right-of-way line of Northfield Drive at the dividing line between Lots Nos. 28 and 29 on the hereinafter mentioned subdivision plan; thence along said dividing line North 02, degreez 43 minutes 32 seconds East 110.65 feet to an iron pin;. thence along other lands of Albert E. Slusser and Joanne L. Slusser, his wife, and along the center line of a certain 20 foot wide storm sewer easement as shown on the hereinafter mentioned subdivision plan South 37 degrees 40 minutes 43 seconds East 37.98 feet to an iron pin; thence continuing along same North 89 degrees 28 minutes 37 seconds East l8e50 feet to an iron pin; thence along the dividing line between Lots Nos. 29 and 30 and through the center of a partition wall dividing the house situate on Lot No. 29 on said plan known and numbered as 1002 Northfield Drive and the house situate on Lot No. 29 on said plan known and numbered as 1004 Northfield Drive, and beyond, South 07 degrees 52 minutes 36 seconds West 85.49 feet to an iron pin on the northern right-of-way line of Northfield Drive; thence along said right-of-way line by a curve to the left with a radius of 761.86 feet 35.49 feet to a point, the place of BEGINNING. BEING Lot No. 29 of the final subdivision plan number 1 for Northfield prepared by Stephen G. Fisher, R.S. dated July 15, 1983, and recorded in Cumberland County plan Book 45, Page 16. \. 1.\'1 ,', ",', I. ss ",'d .J fng of r:Vj1.l-(~ __' ',; C:' ~or th'a rGCOfC I a , \"0" Gounw~.1: . __ ql .,r "'..... rJ ,',.--- P~Q& \1b---;: "!->\'-- ic.ot (, , ' :<~ .~~,.l'l\ o!._ 0<< .'-0) (;c. .,.~ r~J1- ;)"i.~~~L-~~- #",4'_"- ',J__. !r\x,n,':~i\r U!O' I J IJS f'M 511 o;--"'i'l'i~!7:r_ ;" , T .. r 0.'"," . .Iwo,. ~ ~~ , ~~~ VA /lSSUMPTION RIDER THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE 'VETERANS ADMINISTRATION OR ITS AUTHORIZED AGENT. 'TIllS RIDER to the Security Instrument is made this 30'tll. day of: NOVEMBER ' , 19 92 1 and is incorporated into and shall. be deerred to amend and supplemcli.t the Mortgage ~_. Deed of TJ'0lSt or Security Deed (the I'Security InSt.rum:::!nt") of the same date, given by the undersignecl (the "Borrcwer") ,to secure Borrcwer's Note to BANK UNITED OF TEXAS F5B (the "Lenderll) of the same date and covering the Property described in the Security Instrument to which this Rider is attached.. The Security Instrument. ---EO which this Rider is attached shall be amended by adding thereto the follcwrng described paragraphs: '''Ihis loa.ri is .irrmediately due and payable up:.n transfer of the property securing such loan to any transferee, unless the acceptability of the, assuriiption of the loan is established pursuant to section IB17A of Chapter 37, Title 38, .United States Code. A fee equal to one-half of 1 percent of the balance of this loan as of the date. of transfer of the property shall be payable at the tirre of_ transfer to the loan holder or. its authorized agent, as trustee for the Administrator of Veterans Affairs. If the assurrer fails to pay this fee. at the t:iJne of - transfer, the fee shall constitute an additional debt to that already ~-cured. by this instrurrent, shall bear interest at the rate herein provided, and, at the option of the payee of the indebtedness hereby secured or any tranfere:e t:het:.eof, shall be imnediately due and payable.. This fee is autcmatically waived if the assumer is exempt under the provisions of 38 U.S.C. IB29 (b) . Up:m application for approVal to allow assumption of this loan, a processing. fee may be charged by. the loan holder or'its authorized agent for detennining the creditworthiness of the assurrer and subsequently revistng the holder I s cwnership records when an approved transfer is catlpleted. The amount of this charge shall not exceed. the roaximtnn established by the Veterans AdrniniS.tration for a loan to which Section 181 fA of Chapter 37, Title 38, Uni tea States Cod.e applies.. If this' obligation is assmred, then the as5l..1l1'er hereby agrees to assurre all of the obligations of the veteran under the terns of the instruments creating and securing the 1oqI), inlcuding the obligatio!;'i__ of the veteran -to i...ndemnify the Veterans Administration to the extent of any claim k payment arising fran the guaranty or insurance of the indebtedness created by this mstr1..1rOC!.nt. II BY SIGNING BELCW, Borrower accepts and agrees to the tC'!::nns and provisions contained in this Rider_ to the Security Instrurrent. ( \~ {: i! L.}./ (. I )" Jon ',j HE1.LS, JR ./> , i../.) :(/,j,',':'C-}/./ 1.INT>A LEE '\~ELLS . i / I ! /~// ((:':; VII ASSUl-lprION TIIDER CMCA, Ij? 7B305 (3/88) i ~i:l-; j 10:, !,\I' " i' 'oj ,y :;~r'~- o--~~ ~ ~ _0 ' Exhibit "B" ~,~, , . i" ,.'~' '-'~""~"""; _2 j'~,,,"';Y' __':'I;;'..~,~r,__;..' ..0 "'f.' "",.q '" ...." ,,'" , ".".- ,~- , , -,--. ~ , '__C."^_ +-,-, '>.~ " " ~' ,- 0084t.1Jlf,) TIlE: '1J.TL':', SECRE'tARY VETERANS AFFAIRS SHALL L, "SUBSTITUTED FOR THAT OF 'Cfllti"IZl)~1r~rRArOR OJ;' VETERANS AFFAIRS EACH TIME THAT IT APPEARS IN THIS " J>~"CmH~NT PURSUANt TO THE PROVISIONS OF SECTiON 2. PUB. L. NO. 100 527, THE /DEPART~NT OF VEtERANS AFFAIRS ACT. 'J' / 'A~m:m 26 6:\..'6n (ll<"lm~ IJlan) , ~ d Mar~1978 u," Op 'r \a Scctlon 10, T,lle 38 SC ACC"F Ie 10 Fe<.l~ral Na l''''aIMor~ge^_''''''ialion. <':_';-4."-'" PENNSYLVANIA MORTGAGE NOTE CAMP HILL , Pennsylvania, $ ******83,936.00 NOVEMBER 30 W 92 JOHN J. WELLS, JR. AND LINDA LE& WELLS FOR V AWE RECEIVED, the undersigned, /: ' , , MARRIED 1r:![f uxl llsrre .,.,....'1lA UNITED OF TEXAS FSB ,', !~~ i.&*pc atron organized and existing under the laws of the UN I TED STATE S ~ ~rdc hereinafter designated as the Payee, the principal sum of EIGHTY THR~~ TaHOU9SA6NDo 11'\)jNINE HUNDRED THIRTY SIX AND 00,,)00 Dollars ($ *"..* 3, 3 .0 ) with lntere from date at the rate of EIGHT AND 00000 :100000 pyf centum 8 . 000 %) per annum on the unpaid balance until paid, The said principal and interest shall be payable at the office of BANK UNITED OF TEXAS FSB , hereinafter called the Maker, promises to pay to ~ HOUSTON, TEXAS 77027 d 3200 SOUTHWEST FREEWAY, #2000 or such place as the holder may designate in writing in monthly installments of SIX HUNDRED FIFTEEN AND 9001100 Dollars ($ ** ,hHd * 615.90), commencing on the first day of J AN U ARY ,19 93 ,and 011 the first day of each month lhereaftel. until the principal and interest are fully paid, except that the final payment of the entire indebtedness evidenced hereby, if not sooner paid, shall be due and payable on the first day of DECEMBER, 2022 . Privilege is reserved to prepay at any time, without premium or fee, the entire indebtedness or any part thereof not less than the amount of one installment, or One Hundred Dollars ($100.00), whichever is less, Prepayment in full shall be credited on the date received. Partial prepayment, other than on an installment due date, need not be credited until the next following installment due date or thirty days after such prepayment, whichever is earlier. Simultaneously with the execution of this Note the Maker has executed and delivercd to the Payee a Mortgage secured upon ccrtain premises situated in the County of CUMBERLAND ,Commonwealth of Pennsylvania, more particularly described in the Mortgage, All of the terms, covenants, provisions, conditions, stipulations and agreem~nts contained in said MOItgage to be kept and pcrformed by the Maker are hereby made a part of this Note to the same extent and with the same force and effect as if they were fully set forth herein, <lnd the Maker covenants and agrees to perform the same, or cause the saow to be kept and performed, strictly in accordance with the terms and provisions thereof. The whole of the 'Principal sum or any part thereof, and of any other-sums of money secured by the Mortgage given to secure this Note, shall, forthwith, at the option of the Payee or any subsequent holder thercof, become due and payable immediately, without notice or demand, if default be made in any payment under this Note, and jf the dcf,lUll is not made good prior to the due date or the next such installment; or upon the happening of any default which, by the lCI.ms of the Mortgage givcn to, secure this Note, shall entitle the Payee, or any subsequent holder hereof, to declare the same, or any part thereof, to be due and payable. The Maker does hereby empower any attorney of any court of record within the United States or elsewhere to appear for Maker, with or without a declaration filed, and confess judgment or judgments against said Maker in favor of the p.-J.yee or any subsequent holder hereof, as of any term, for the entire unpaid principal of this Note, and all other sums paid by the holder hereof to or on behalf of the Maker pursuant to the terms of this Note or said Mortgage, and all arrearages of interest thereon, together with costs of suit, attorney's comm,ission of 5.. 0000 % for collection, and a release of all errors, on which judgment execution or executions may issue forthwith, The Maker hereby waives the right of inquisition on all property levied upon to collect the indebtedness evidenced hereby and does voluntarily condemn the same and authorizes the Prothonotary to enter such condemna- tion, and waives and releases all laws, now in Force or hereafter enacted, relating to exemption, appraisement or stay of execution, The agreements herein contained shall bind, and the benefits and advantages shall inure to, the respective suc- cessors and assigns of the parties hereto, Wherever used, the singular numher shall include the plural, the plural the singular, and the USe of any gender shall be applicable to all genders, IN WITNESS WHERE;oF, the Maker has caused thesc presenl.. to be executed under seal the day and year first above written. ~ ~}~~\ \ ~'t\ 'h; \"Ht'.'- "d; \\'V~~\ \,,,~ ," '\",'."l ).5 l-\~:.,\ ,/>,;sr~~\ U....1\:i-\"~l.~~" I ..,,1,,\ \_ > ',":' \:\\'" ,:;' ,.- Signed, Sealed and Delivered ,.,....\~1\\i~ ,\\\~ in the Presence of: ~)~~ \h"t\tn\;J1,1. ,>"..:.~\\. ",O"~'\\"" ~ ,",,' I''''? ;:I., f'~,~ ~,\;.\1\ \) p" <'I."'f,trJ'I.~t~\.,l \oJ~ I! . 'lX'.""'-" .'...'."""".'.'.." , . ,"',' "~' ) "."" "'i,"""',,>"" "'" ',' j I 1 Ii \~\~\"~l.,, ,"".....-.~---.. -. ~-~"',t./lo:CJ-/ "" A fd/.M ",,:'c}'(\. "I"t. Jl)J~ (:::;);:NDA LEE, ELLS '\"\~ i)' "!~ ~:-~ I,. ( J" ; r / ...,..v,;\,('''',, Of : -" "J I ,<.:'1..~,~ .,-L-.1- '~""-"/ ,,~!i: '( '';;OJ,,>,,'' '.......r.._~ (SEAL) (SEAL) (SEAL) (SEAL) TllIS Is To CERTln' th' on real estate situatc in ihprl in ~l~d secured by Mortgage of even date. herewith securcd C U ~~n~~~~:.t~atyPlJblic , County, Commoii."wealth of PennsyJvania, J;~::;~'E%~~~~~~ ~Cf.-I_t\~_-,,~t.__ ,:)_,._.~l(.~_, __._~~~ ;;~'"il~," -~, , ! "~ " , ~, WiThOuT RECOURse p MARGAR "YTOTHeORDER()>: 8Y' f1i OF~~ANY. INC. ASST. 'fleE PRES/O 8ARSAFIA IlOeERTS O[C 10 19ai WITHOUT R~COURSE PAY TO THE ORDER OF: , ( PAY WITHOUT RECOURSE TO THE \JRDER OF /' J ,/ -~~'~-'-""'-"-""-""''"'-----f \ / / ' 'B~~~I-aY~t0&2~"-_.~>-'-- '-::...l ..",~ ~-" . - . t ~ '-,' ,,,, "f II 'C!" .~ . " -~~~~-". :' '.:~".... _T ~ =- ~ ~ 1- ,'VO_ Exhibit "C" -"'~ .1' c",~-;_"~~,_,, , ,,," '~'" ,.- '<,\', v,-c " , _'-.e. -"-'t'[:,-;'7' ,', ,-,.<;-.~",,-' '0" " c< , , " <" fe,' , " , .. , , ,~, '- .;1;' Ih(:i;.'i'::;" ';(~~ " ";'--'. I, AUL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Borough of Carlisle in the County of Cumberland and con~onwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on ~e ,northern right-Of-way line of Northfield Drive at the dividing line between Lots Nos. 28 and 29 on ,the hereinafter mentioned subdivisinn plan; ~hence along said dividing line North 02 degrees 43 minutes 32 seconds East 110.65 feet to an iron pin; thence along other lands of Albert E. Slusser and Joanne L. slusser, his wife, and along the center line of a certain 20 foot wide storm sewer easement as shown on the hereinafter mentioned subdivision plan south 37 degrees 40 minutes 43 seconds East 37.98 feet to an iron pin; thence continuing along same North 89 degrees 28 minutes 37 seconds East 18.50 feet to an iron pin; thence along the dividing line between Lots Nos. 29 and 30 and through the center of a partitio. wall dividing the house' situate on Lot No. 29 on said plan known ~nd numbered as 1002 Northfield Drive and the house situate on Lot No. 29 on said plan known and numbered as 1004 Northfield Drive, and beyond, South 07 degrees 52 minutes 36 seconds West 85.49 feet to an iron pin on the northern right-of-way line of Northfield Drive; thence along said right-of-way line by a curve to the left with a radius of 761.86 feet 35.49 feet to a point, the place of BEGINNING. BEING Lot No. 29 of the final subdivision plan number 1 for Northfield prepared by Stephen G. Fisher, R.S. dated July 15, 1983, and recorded in Cumberland County Plan Book 45, Page 16. eOOK 450 r~I;E H22 l.I . . ',., af Pr"fliUVlvrmia } . PH.! of CumbGrlalld 5S . .,:.n:"',~1 ,~n lh~ offic.",:, fm tm rflcording of DeMts \/\1, '^' tL:~!(>,.c)";r:~r"~ County,A",^, I '~ .. ,,,.~..,I~L.vot_Paoe:ti::iO . .-' <,' lily tll;:'>l'.j Ilnd $",,11 O!i ofnce " .,..,,", ... ',' .1;"",,1,\ ttJi1l "l dar 1993 "fi""'~JOI:.", ",~,>.~.-J(!"\i!I ~.~ . -~~ ".0".1', "'J _ " Exhibit "D" '-~'l\lO' "_"""'{o, ""'1 '"' '''ce' !.,,'.",-"<':~;"":"'"I' <-'!, ~'" --, , ~"" ","'"'<c " , :k'" , " - '. .' ~~.~">" .. , ~.s . - = ~ Q ";l ~ ~,5 cg'; ~ -; ~ a~'s< ~ 8 ~ ...;.s ;>.9!: .;::; ...Q fj.~ = = t:l ~ O".a~ ~~i! = . - . ^ = ~l~ - . g,S.<;j =.!! ~ -:.g : t S 1:] ~ ..g ~]..= e e 0 .$ c-Z .s ~ ~ - ~ ~< =i ~ ,55 ; i ; ~ = 0 o . ~ .. 0 0 51 u.- ';;;--= ~ .S 1 E su.s S "" ~ . . . . e = . .- ~... c.< ~s~ . u 0 :all"" H- ;; o N --' H '" ::0 Cl :;: "h",'W'J"c'''1". ~ ~~ ~(/)O~ UO~~ ~ ~::J E-d-"" ~ (/) OZ~O ZOO,....4 ~~~U ~U~~ U~::JO ~~O~ ~>-< ~ 00 ~~ ~~ ~~ Oo~" ;;!<~~~~g ~8~..~~~~ u~ t..'V1<~ t:..!<"i;l.... <~~G~t..'~ r:l~h~~o;1 i:i;l1::"'0:1!<~ <~~8:~s ~~~~~~~ E-;ZZ<....i;Il~ .o:::....o~ot..' "<, OV1Uu~~..:l e...;U~o;1":S ~~~~[;1~;1i ::Eu~""lZlifl< ~~E-;t..'V1~U V11Zl<~~~~ ~~:Z;!7.lS~1Zl ~o~5]:l,0~ r:l~~I<I':~::; gr.3~;:$;lo" Z:>HZ"I<I'" E;i>"~'" :s co"o~"oS . ~~~~g~Oo~ liOl=SUZ<<..:l~ ZH~i:~"'~15 oz"c~"'ue. ~8~~~~~~ u<oz~~~~ ~5~~~~~~ zi;l..";;:Oooco -<~~~O~~r=l ~.Q~~Z~~O::: N N '" o <3 00 .,. iJ ~ E Z a o -' '" >- " ",OM -'0- -,-,0 I"",C; ;3:~< ",::r:Oo ~~~ ...Jo~ -<z- 0.,. oj ~o-< ...J3u ~ o .. o U " . . o . ~ . . '" = ~ = ;:; . > '0 co'" ~~ _0 .'" ~< t:~ o . z"" "ot1: o . =:u I '" ~ ~ o ~ o = '" '" i;l co ~ ~ o 11: f',~ :: N '" = o "' ~ (; Z '"' U U -< ~ o '" . . . H ~ o ~ ~ '= ::0 ~ o " . . '" ~ ~ .. '" '" g ~ o . ,~ ," . ~ . ~ ~ ~ . ,::! iJ 5 " ~ o " . " '" ~ U ~ ;> [;1 ~ .. ~ I u .s ~ ~ = . ~'E .. .. ;~ "'- . . .!!~ .- " = "S:; ;~ ='~ .,;'" ~,!!l ." .. . .:!l',! . . 5'" o . .... >~ . 0 o . > a~ . 0 ..Ji -- >- o . 5] . . ..s ; ~~ <5 e . " il,s o 0 . .. :i!3 IP 0", . . . . .15 ! .. :a ~ HoS :'! ;Z " g .. .. U Z -< H '" ~ '" '" -< '" " -< " H " ~ >- U Z '" " " '" :'! '" '" ~ '" Z ~ o '" :'! o = oS . :0 . . ~ . ,; 5t o .. . " 5 :;! " Ii! - E :;! . o:1il " . 00 ,,-:; '" = tj:E ~ ~ H B "'.. ii.li ~ ,. r.1~ " " oJ " e ~j 0> :;! 5 '" . ~ 1; ~S o. .... :;! o 1<1 . .. H '-'- "'- .. :;! 0", =!< g;~ 0", "'" .... ,<.. "," ~~ u!< ~~ ~~ "H ~~ "eJ ~< [jl:;! ,,~ 3~ P ~~ :~ ~~ ~rs "", :lu ..i;l ~~ ~~ ~:: o '" "," u~ z.. "", "$ [;1" :;!:l .r::"lf;;:1 "'.. "" ..'" ~~ o~ ~o 0': =r filE-' ~~ ::;~ ~ t-r.:l O"'U ~"'z "'~" >f:E-; 00'" C=::E-;tll "'u'" el"" ".... =u~ ....~" ;~~ >cii.lO "'''':;! e,"", ;;:..u o~z u,," ~~~ 0"r.3 "'0;;: f:'~f:<1 " = ~ 0 ",.. ~i Z . ::J,S:i 0.. Uz t,.[!l coil ~~ UH ~r-:l~ ~8~ "H" ~o= oz:= uV1:': <5:5 =Ho H"'" ~oo ;t:liOl-S HH" ~~l ~elii iP e t5 (5 is 00 1: '" ~ ...- 'ii~lt "0 .'" a ~H ~~ ~~ ... -" ~" '" .. u Z ;; '" :;! ::0 U ei u '" .. r:l '" ::0 " '" ~ 6$J' ~~ HO "'u i~ co'" g;~ o~ "'.. ,[:I.. > . o .. ,5 ell ,; >.. ~;:: e ;-a :s 'g =.~ .5. . . -< 0 ~ .s ...~ 18. C~t- :; ~ ~ u '" - ~ :acl'l'l ~ =.;, u ~~ :.. I:<l ' ...~ e =<< ;; 0 ell 8:=~ u .= 'c;~,S ~ ~ c e.~ 01 ;;;<0'1 ~'c;~~ ,g i ,5 d: "l:l~~~ ; ~.!3 ~ i':!lt-- ';$lil=; l:a.S! ~ t: ~ I:<l 51 I:<l.:; c.< ~ = ~.~ 01 :I t:l C!l -= 0 Ql :u E-<UQ.;.c: o H .. oj " " ~ ii .. o H U .. '" '" o 11: .. ~ Z o '" " i;l " s 0; ~ o >- [:I ~:: ",,0 " "" , c -0'" 0 .~ .~ ;5 ,,-... " o ". 0..... " .2 ~--" -~:;; B 0 ;:9 . "" ." ~ ;, ~ ~ II " . 00 c . . . ~ < li)'Cil..c i '0 '0 '" .. 'I::i lifb ~OE-< c -" ""'< .9 ~ 0 :13 g """ ~ '" . 2 ,~ ~:E ",-.. 1\ , > 00 O~v:l - 0 "" .~ . -" '0 ::I. "'C ~!;.,< ~ "" . z . '" . . . "' 't:l <!.l~ . ~~6 0 '0 '" ~ "" ..c'~ u " ~:= g:a ""'''' e- e " tZUI=l -" .. ca~<!.lg. fjj;::S . "" " .. S .-" E.' " " "' ""- " E-<~~~ " -" -8.9 ~ (5 e < - . c .. ." " ~v:l8~ '" -" > .. g "., " '" .g';:: C'" " "' . . 0 0 ~="'''' ~ UJO;::; """, ~g>- c <l '" . - "" _""co~ ~ C"o 0 ~ 0. ~ 0 '" -~ 0'" ~ .~ E-<!;.,E-< " <,~ ..... 0 '-"<!.l;> uOO ~ " Cl1l< :;; ~ '" ;>,,!::!' 0 l.) . < ,.:; 0 .'8 8 ~.g !:J~ZE-< ~'gc.. " ~ " ,. . 0 :;; O?-<.J:l VI O":J~ i;; OZ~ 5J ~ ?, ~ < rJ~~C: c .; ~~;:;J~ . ::E3~ "" " , .;;;; .J:l<8<8o =--~O~ 0 0 . 0 ~ ~ z S .. ~ () 0 'il ~ ,.~=O 0 :1: -"_u , 0 " ~ 0 . ~ ~ O? ~ oJ;~v:lU S '" "" . :;; a iJ ~ ~ J~ & 120", u " . "' . ;, < s ".. ~"" ~ "" -" "" 0 ~ ,,< . 0 "" '" c 6 8'.0 e IJ) ,. ~ 0 ~ ""' n '" a ~.~ ~ 0'" c '" ~ ,.:; '" u"'i2 .li c !:. +:l ;:l d ~ ",,'" . ~ gfg~ "'~o 'll '" 02 " '" "' "' J'! ~.;:: . "" '" '" iE U '" '" Z.Jj N .S 8 E ,5 .. .", . 0 S!jj N ","00 > ~ "'" 0 ~ gl 'p gl ouo ~ ... :(iJ 0 m o . II) 0 >...~ 0 ~ """ ,. '" . ~;: :I:soS;:t:: 0 '" . ""' 0: . ,.:; <1: e=~" ~ 0 :o-g "".+=1.... <<l oj! 00 ~ . ""0 .~,~ 8'~ ..~.. = ~2 :0 00 ~ " o~ ~]: ~ 2: "' 0 ,. S ~ 0 ""' "';;;; ..." 0 ffi ~ ~~ ~ 0" '" ;, a B ;:l Q "co <g- oo . 00. ",;: ~ .. "".. '" " .. cr; ... " ~ '" .. .. '" '" ~ i;; o :;; '" " o '" '" ;; ''0~;;' .~ ., .' .,'~', -, ," '" f:I ~ '" ::; ~ '" ~~ "'u "'z; ".. .~\J "" ~e g~ "'I' "'''' >", "'z; ::;- _'" co" -0 9:r: 0;:;5 "'~ ~~ 0'" '" ..." "''' ~:: "fi:! ~... ",," _co " '"' E ~:O ~ o ~ ~ =:t g.'E v uj < 20i:i~ ~~ ~ . gB>-23o -8.~ @u~o~ ]~l.)oUJE-< E",~f-;2~Cl m:s.;::;r:g~wb2 <!.l<+-<o~,.o::;C?O ~ ~ ~ UJ ;:l.... 0 c;l ~ 0 . o~..sZOE-iZUJ ;>" <!.l'-- ~ ~:;Jf-< tf..oa::~>-oo< <( ';i ~riI...:l:8>-<Q <!.l a'E:;;~~~O .s:1:l~oo~::J t !1~8;:E-[2u;:J ] .g ;<lJ ~ Oz " 0 '" =:l.-,c.l '--'(-;0 1~~8oz~< ~'-".8'-PQ~OCl =e8 @;:J~:r:~ 0';:< ~ '" 0 "" ~ r/:i':;:l::--'::l>-<r:t.lo o .... ~"t:l ;:J UJ::E ,..:j<8~"OE:=::g~~ ~ ~~i~5~5 ~ ~"" ....>< >- ot::"oll...... Wo J;i;;ea....elUJuz J;i;; ~out=:~ o!3~"df'f1Z0~ ~~a*~~:z;Q:lo <~~:=:>e:r:t.lI;f.lE- '" 0 . "" ",!Ii Vi ~ gj'~;z; lZl f-< ~ i><rn6t:l~< 0 r:$..9., ~=~o:r: ~ ~ 0 gfE-o' -< f-< tZl 0<2 g",~c~2; =-- <+-< 0 <lJ f-< C4 <I:; ~ o.~ ~E-o'~UJ....1 r=lE~g~o::r:~ E-o'",..so?-~t-o' _. m ii1r;:; " " 9'8 . "" . c " . o .-< 0 '1) t) .......!:l v Q ~.g (.l.g $ ;;:g]'5~ o <l.l-o:E 0 g ~ 1a ~ ~ ~ f-< ",.S ] .-=: Oz ~.......!:l ::. O? ~ Q .. <l.l;:1 '" ~ ~:g 8.9 S S <<j, -. ~ ~ ~-B ~ ~ ~ s c8 ~ . :=J -;; ~ '" ~ i3 t-=~'~;'.g ~ 8~ [;] B u'-g,s '.::';: ~ ~ ti.S '-' 6 ~:s~~g>-. ~'ti] ~~'til ".;a-ozG3 "..,....<+-<...."'.... _ 0 E "'" '" " ..- OM....3~t u:=:~~-B-g t:: ~ '" '-"' ~.2 el 5 E?13 € !:i ~~"O 1ii 0 ~ 0: ~ '" u :?f~.- rtS ~ =::=:'-'(1) ",.;;: f;lil ~ e't:l ~ "'C ;:;E s..... '"S <ll <C ~ 0 -fi '" '1:! . 17.:1 Q ... t.$ gf z..... <8~ ~..o O~6~..9~ t: >, Q.:!! E ~ '~I , . 1i:;:~ I'Ilc't:l <lJ "0 Oll .~ g] = 'll 5 t:: c: (;l a .....d-<O<ll <lJc.l~ B :::: ~ ~ ~...."'::: fu":a.o ... ;;! +:l ;>" <!.l"O a. '" '3 o,,.J:: 0 ~ <lJ ~ <;;l 8- .s ~."'::: m 0 tJ:.a..2 ... <lJd~OllQ.l1i:)a)<!.lO ~.28t~S~Q,] .= (ii ~ 8 ::r: ;:l 0 8;:a .~ g -g ~ -0 jg ~ 8 <lJ &.0 a~... ..2 8:a <<l ,D 0::] O? ~ ll) -0'" !:Il)E- otJ. '-~-a..2t:i:l1;f.l "'g ~ -= 0 8 ~ i:i::g:::J S'o ~ ~ 8.::.0 ~ 8 s 3&oS<tl~~..g:5 0'" gj::c: ~ -0 c: O?'.o >-< c8 ~ ~ ~ -5 13.S.~ \ "'.... -="'21 '"" ;>,,:3-a l'iol 61~ a "" 0"2 ;;. p.. U <<l~ o!:; alO...,. '-'l Z a. c <I::.:P i:l .,~ 3 en <( :=.o::l 8 "'"~ 8 ~ O.S E-o' ,;:: ~ i:l ~ .-;:'.;:l_ >-< ti ra~ so~o:::::>.a;J oo_].::2=!::Z ~ l.) S tT.J.~ oj ZIt<:: 0.':2 ;>" as al <( <!.l'V <IS t;'~ -51l Oll g ~ II).~ ca ;:l 0 <+-<.... < <>;< ~~.;:l'5 E:a~;a (!.l S <a;Jil)5::la.....1il~.u ~.~~s~-<~j::l;:lg E-o' 0..0 1.;::< ~ Fl <lJ Cil.::! ~ ~ z ;:l 8: 0 ca .s !ih~ S o.~ ~ <,:;, ~ !ih 1ii e gp 0 ~ -= ~.::;."'C e "'C o..;;]..c d c.o~~~;:lO ~.- -:., g.E- <!.l '" ';:l 0 "l O"''=: o:=: l-o:r: ;>" ~ ~ ~ s ~ ~ ~ ,s .~ .g Z:;;~~bh.~.g t:! ~s t:: .!:: 0 '" il) 0 > r<'1 E:,s g il)&:;< ~.~~'>: <( t) ;>,,05 <!.l S Oll.~ E t:: ~ ~'5 ~ ~ 5]p.v:j3 s:g~~.~t~:~:E ~@~g,.<~8~S.~ ,,!I~:""~.:-c' " o '" " '" " - 0 '" '" o Ii~ o..~ ~~'" "'.." ooJ;~ E-<~~ :3r::S~ :;I'~~ 51=~::I ;><O:::~r-1 e=:;::.co 'E-<o.., ;;"r-1:t::= 8v:l~~ 5:"v:lO -"otJ 39;;"z ~~~~ ~~~~ ;::=-~::1 <E-<QJ';il uO:::f;;;10 ::gf;O!f;;;1< "1=u" ~o~i;; o:~..o 51=,":1: '""~~ "'o~'" ~~ Z "'''"' 0 !;j1~~S it;d~ ;:;JZ~oJ; ooo=-- ,."",:t . -.:it: B' '6 i ::::<( ~~ > ~ B-" ." 8.g C._ 3:0 ,~ -s . " m . ~ .~ """ ." Oil._ " ~ o " S ," s:s ';::'bb . ,- ""- " . " . s-" 0- " ~ ,.9] -2;:. ~ g . . - "" {i.. ~.s > .." ,-" '" z ~ 05 !=i-lii u:.a < . ,..~ U~ ~ ,,~ <F: ~, _.,~,~"~","~~...,~~~ -~rdf~~^ -> . '~'~1fW4. } ""''7' ,," .~ . ~ ~ cd_ :::: - -=:e,.1l] 3: " . .. ~ ~I-.... ::: . ~ 1d ....:;::: ~ 0 . "0 '" ~ gj.U e . . ti1:>Vl!;lcd ." ~~~~ti :; " .-= t;:jS",::1;l .. . ~.;< &:t:::: Q) =~ ] 0..... 3: S .a:<:: ::: :;']'3 f;> . . .B ;-cn~: ." " "Oll]~e - . = . ~'tj':::].g. 0.';: ...."";:1 0... Q) ......~ C .... ~ V .... "'. .il ~:g ~ ~ ., . "- ., 'C . ~"'O 0; ., = e .2:l-vg S 1il . '" U . =;:~g]~ '" ~ . " ~ .; . ~~]1l~ ~ ., " -= - ~ .- ~;:l"'CO . " .. t:B -< giJ = ~ ;; ~ - . . . ~ .... 8 g ~ . 0. '" . 8 '" " ~ " '" t:." lie .C ]~ ~ .s! ~ ~ 0 ".;:t . N ., Ol ~ [~,s ~ e a:gz N ., '5 _ . OJ N ~ o e '" ~ ~ <lS N N ~ ] "'." . g1il '" - . -= ~ on &. ~ 1j Q . "" 0.- " '" . . ~ 1ifl;;,.... z .. U"li ~ ~ e . .; ~ 1j ~ ~z ~ ~ '" . on 0 " . " '" !;Il-<~ ., ~ ~ .g ~ .... ~ S:2 0 t8 . ~ IZl V - .;>..... " r-il.e'g~m~ '"' " ~<+-< v '" e ~ '"' . " ;; ." . . E9O~~~- U . ., " f 00~"CI-S~~ '" . e . ., . OOlZlJ t:l .~ ~ " = e 0. - II z t: 0"'.... <2.";;: 5 0 . . = ~ &:l a.v <II..... . Z . ~'C 0..0 :s: S U e . " . - \I;l v "" ~ ~ c 0 . ~ .. . . r-il"d....OO '"' Z 0. .. U 1-100",,;>.;:.-.0 ~<d..do""o '" -....v.... g g = ~~ 0 r-il",e~.9.o :I: '0 ~_ ~ ~ ij ~ s~ o C-!.1 <d g S'~ ~ 0.. ~ C-~...lci~ "'0,,0. '"' z- e:.E-o-<ffi~ ::r.::~r/.lCl.,-g E-q.... [-< >< S .5 Q Z <c .... .cE-oC-!.1Q.g ::::oo~,.-., .... 3: < >- 00 .:;:::;Il-<<C-d) d E-o Cl., >-- c =ZC-!.1E-<o ..g::-~o::e ] S <:CoS: 15 .....~ f-;~ ~ < ~!:!:l ~ 5~o~-5 ~;:~o] EO ><zS ;:1E-<z:;2t: ~riI<C5B ,=C~Q.-'t: ~E-o..J~g ,..;(r;.:l0..~i5 ~Z-"Cl", < >. t; p:.]~.... ji;;,<o~.2 \';::;lQ..~o.c Q~-u~ .......,.U1O _r;;~o:1..o E-<.~::r:: 5 ~ ",ou~:; = . =:I: '. ....., "';..&.( d) ~.=.... " u", .",11 o'o=C-!.1S E-o<!.lr-ilOd) >;;Qc<" ....""Oz<.... Ovr-'l::C~.. =c.s...H) e.81 ., ., ., 'i' " ~ . ~ ~ ., <dQ., "'<t "- ~.!: <:::> >- := &.g z ~~o.:-2 o l.. a:;:: ..><:Uco> a~o~ CC1"'<to..O ~.~ c" - .~- 'j' " .. >-<;]:::;~ E- = d) <Ii "<;;I 'tj e::t:9B~;.l ~_"'d)""'_ E-~6S:g': .9 ;: ~ ~ ~ ~ :E$~'@~5! 3::i:-:::.;;:'-<t ::i-=:S:;gCl <E.i:~ :::8 .g~~~c ~ ~:s.s i:: e'2 iJ ~g; 0 g~8;t5'E .... Q,l c: ...C':" g.s ~ ~.~:E o ~.o d;:E 8 ; ~ ~-= ::: !:: ~~:as~.g "--<.- ;j o.;:! g ..... 1-<.... 0 e;_ I .g -s ~ '0 ~ &-<=oo~o ...:l..2:: ~ @.~ ~ ~ Q,l._,.c v <';:I <:5~~.gu; ~v~v;S't;3 ~.g.e~a~ ~i~.si:i6 ~.~",~5g "' '" ~ s . . .t=:: f.+.< G) ;;5 @: '" ~~=~'N':: U1d:E""OSg E-o'"c:l~80L1-b ~'LI'?;-~'8 <<Oi~~.s OlZl"O:.a~rn ~><<llV8~! ~< ell S....2 ~~t:.f3 [.s ~ e::. C> 0 ~:::; g e ....C-5""O~<d , < '~r'" ~",".' r " :; 9.S o " " " > " 'tj.......I:: ~ ~ a ~~~ j.5 : ~ g.s en 0"" '" ;:1.~ !'-.o !:l i::~,z ~~ a: 1Zl.";;: 0 ",," Oij 0.-0 -B g g u _ o 0 ~ ~.s~. @:= ~ 8 Oil 0._ :g.t:: is ~ [5 S e 8 .g ~s Oij [5 -g.3 [l ><o:l~-g I€..S!~ Iilil G) <:d <!.l :;j 8' J,s \I;l o.~E OO]rn'tj ~ @P~ d) .. "".. 1ii ~t::kSt; ~ 0'= Q) l:C.ecn..o \I;l~Jl:g ~ ~ , ~<<O[l8 E-o.9<~ ~ ..c:: >>.9 ~~tgp t ~ 8'~ l.';:;;'l 0 o..c E~ i'j~o "00d) ~O"" ..... ;;.-..c 0'.1 0 "0 ~'Ei5~~~~ ~.D_ ",.-:.;:g ~:c.!:: - .. '-' '" !:l., ~ = = ~:::: c; a 0 0 Q,l .~ ~ 3: ~ 0'.1 :::: ~ :.. >,~[5~e~e1S 11 ~ ;>,.8:::::: !:l [l '0 0..eJ ;f g. <d < -B = 8,....0~1;'.0= 0..8':-] o.g~.- ""0 d) '" l.. 0 d ;;l ~ ~[@.~~~>.nQ::I <';:I"O!I~>""'cQ ~3 ~.~1!].g-::l ~~gf~:=3~""i.~ <!.li5:a.a:::d)>>v ,.c <I) <!.l " ;::l .... o:l E-<~8<';:1o:B8>: : ~ 8 ~ ~;:"fi < Z .g ~ ~ 15.c:.E Cl o -!:l 0::;... .... ~ 3: = ~~~.$'@i)kS~M Cl.s ~ "-l'o3 [j""O >: Iioil "-< .::l ~ :?f"'O 5 E-< 00.... ~"'" 5"'" ~ o .,J.D."']-:g.... ~i3'" i)'t:~"P:Z:: u"o.gcs....v[-o Iilil d) c: is "';>'::: Il,I c:::: ~2:t: e..o 0 i: O Cil v o:l <';:I'1:l ::l = ,_ t::.c d) <f.l l!;l ;?,._ - 0....::0 en 3....:5 :!as~g~gs.i ~ v <,::; 0 G.l._ 0 ~.s~ ~ 8bm"3 <!:I::l .... e 8 -a d) ~ '" ,~ 0 g <ll 0. ;:1.0 V Il,I -.., ;>'<!.l-:S-a t)-.,:l'O~ E-oo:l~ enmov", ~ o.g1d'.2 ~~-.9~ 0-8:.:::: Q......, ~ v Q,l v :;s 11:: ~.9';} ",::g S E ~.5 <ll -0 d) ~>, o:l r.l -B =..c:-:sei):gv:l<< E-oOO ~.9 3: g~,o r::.s8~:i!~.~:== ,,,.-,''''' " [ ~ " " ~ d ~] ~ 1:i;0:5 .... <'lOij ~Oij~ ]-.90 ~.,,- o ~ tl c:g ..... ....5.~ . "" ~In g,$ " . . ;.,~g-ci "" " 5~@'ti 1-5 ~.i "~ " E " ~ =' ~ ~[)' G.l ;;:[@s! ! silt: ~ :s: <II e ~-8]<!.l '" ~ ":;, fool ~ ~iJ ~.... ill '" o~.c~ ;;~~E ~.l:l~e 0.... <!.l.s z~sO"' o V ~ l!;l .... ~o..... fooI..o 0!I,s ~ m.S 0 ~O"O1l.l ~~$.s ~g~~ <.co; " 'ii iJ' " " ,s " <8 .?;- ~ ~ " ~ = o " ~ ~ o ~ $!t:: . 0 ~e 8~ "- " " ." " 5] - " ~ ~ '"''' . '" " ~ ~ S [l "':; ;; 0 ';J " ~ ~ ~ 8 z ~ ::9] =. U fool .S Oil. ." ~ 51.5 [j-o cJ ;;'.I d).fi 8..0 g g.8 ~ ~-g v en <!.l 0 '" d ~1l~~~~ ~ v:l_:l"d _ > 0 "-l'" o<ll~d.sl1 >,..!:: G.l d 0 :::: ~ a :g ~-B , ..5 0-<;:< '''0.... d).o ~8~~~~ < 0 v"O-=.n 00 P..,g '@.~.~ ~~dd-gd [;;,..9::-B~~ ; 0 <II.... !::,~ ~~~ffi8] tI:<;:<",o",~ oo""O<llS....'" Oa.s~8~ f-"t;l1S$.,,<ll C:::.9 ~ .9 d <iI O~V<!.ldu:J _ O'..."d '" '" ,,;><-.... ,~~ Q., -".~ ... -.,.. f.ol....... a'=.'" ill ~Cl....tl:l ..c: ~8"S goo <C-'t.o.8.B ~>-""OOd.c -f-<v'" .... ~ ~.s 0 2l.~ ~EC:~"O~"O ~E;;5S~g r-l.e B ::l ~ >=. ~ ....0... ;;:..S.d >- d) 8 U:3'1:: ~.g.eJ o:::.s'@5~ E-< ~ v ~;9 ~ ~~ 1d~~,s ~""O ::.iJ ~ 0 Q;!.s~t3"fi~ """"."-'" -" "...,..,"'" '"~,w "~ r''''~M~'',,!!I!!' ;-'-~''1i' "'. ,,"" ~, ~-~ ,> . ~ ~ ~ " = 1 ~ z = . ::I", - :E = .!!l'" . [;oil;:: = 'E = . . '" ~ .. ~ z . - . .0 ,= Ill.; ~ . . P.::! ~ ",,, ~~ o- S ~ e N . . uz <- :> -;.s . !:: .= i1i;S " ~ ~ 0 ~ .; .5 "" .~ eIl.~ ~ <C a"Cl f i;ij III S :a .. .-:l U,: <: . = ~ r./) 0 ~ :l .~ . ~ .~ . ~ ~ . :;: . . . -" ~"'. ~ raQ.; E U 0 ~ Jl ;l,s U. . . ~E::< fl.~ ~ 0 "'-- z ,......; ~ ~ ." " . ::ltJe:-. O' zOo ..~ Ii ~ ~ .- . u=f'iI .!It!! ,,-;: Oz:= . ~ r./) . . '" = u~a ;:: ~ -' 0 5 .'" ~ .a ];2 0 j.s <~= ~ "u- ~ ~,8 u.Q Z .~ Z ~ .~ . . . ....:l . . <: . ~o. . '" ~ . . '"' . i<i:l,s = = . 0 . f!I" ....... ,......; U = = "'z '"' '" ;: . . ~ .. ~<;:: =~ .!; 0\ ~ . = ~.!l ~"~ .~ ~ . . ~~ u, :s U .0 tl~e ~ . -- o~ ~ ~ .- " <C . = <: . = '" = j~ . 5] " 5 50. . U 0 . . '"' . 5.!l . ~ = -Sa ".0 o tf.l ~ ='" <:. <C ~ o' :;'" =- .~ '" 0 ~ ~:.= :;: i!i ~'8 .~ ~ . as=lt .~ ;0- t ~ .'" .~ ;;: '" . "'Q '" = Sd> >- ~ i; =~ .. OM :g.; '" . "'~ '" . 5~ <- 0- <C .-- ~.9 =,s = -'I" :is . -. .~ !:: . . ~<- 0 ",,,,- ~ iP 0"" !.. ==; 0 ..Jti:<t ~ ~.o ",i< .;.!!l N u3::r:~ .'" 11::- '" .. . . ..: i32;'J . ~ .- . . = B . . ~~ . = 5 '"' . . '" """'~S ~ .s a . ~~ 5 . .. ::> U .. 'li ~ . . . tJ 5J..:;j . '" . ~<: . . ~ .5 :;: '"'01 . = og<c " '" . . . __u 0 ,",u "'''' .~;,,;'iS _ --'~"'~'''"''. , .:; 0: " Ql '" "" e: '" > ~ o '" -' <: :- <: :;:: ::> o :- ",0 " oE- ....... <z 0 89 > o::::E- Z o~ 0 ~t:: CJ (.!.1if.l Z ::r:z b f--- U c.;...d <( ;::~ >- ;::~ ~ <a.l -< o.-, o. o~ Q f--", 6 ;>-;r: ::r: !l.lt-' f- zO >- OZ Z ;>< < z:?: >- ~~ o:l f--,- 0 "'> '" Ow p::: oz ::> f--O U >;> f-- ~~ .5 !l.lOf-<<C b~ffi~ P::::OClQ c..COoo(/) "'0-0: ~f-~f- O::~!l.l . :jo~:::;~~ !l.lf-oO...... (/)o:l>o:J: ~[j~~Cl:l . 5!l.l 0>'" Z " ....~:r:: _wb ",>z <"'< z"'''' 00f-- -II:", f--_" en '0 os~ ~~f-- :;::<-' <~~ u:lQ~ !l.l!l.l0.J 11:11:0 f-'f--< P::: all!;:) f--"O 0::>> gj~i2 008'"":' t;;>ur;;! ","'0", P::: -~f-:>< !l.lClf--p:::: tJ~O:< < tJo tJ Olz ~UV'lW oUo:::i ;>Ol--< i9~:t~ ",1-<11:'7 >,.Jf-~ <:;:0'" II:",Z~ ou:tO...... f-<ClOf-t 2 ::> '" 0", -'II: frlf-- "''' 0'" ""!i! >::> ~o z'" _f-- f-<;:J '-'f-< :0- <~ ~~ Of-< <'3 ,-'" 0i3 "'< u'-' z'" "'''' E-<::r: ~ "'f-<'" Rof-- "'>~ 15~::> Z"U "'00 !:oCl f-<Z[!.l ,,-tJ ",0< ","'tJ ","'f-< <~p:::: 0,,0 f--o.:;:: I~ !!'lIe ,,", o :0 '" o f-- '" :t '" > < :;:: ::> o > '" > '" ::l '" '" ::> o >- '" '" a1 '- '" 0' ,,!il "'0 "'z <-", 0.., >-1;1 ~1': f-<>- "'" "'z i:lo <e:: OU f-<< :i < '-' > U <- o. ;:J E2 z < C!l '-' ~ '" o '" "" '" ~ " '" o is 5 e: U I': g '" '" '" '" '" i:: ;; 1-< Z Cl o U " ;:> o :- " z ;: " '" '" '" '" u z '" " <: " z ::i '" '" z ;:> o U 1-< ~ ~ '" 0: U " '" ~ '" Z o U - ~~.... ,'.'_< ,~.~~= .0 ~ " Z '" v'i E-< Z " :E " ;; " " '" " E-< '" o :E " " ~ " '" .. Q '" '" '" :s '" ~ '" "'>' "'u E-<z Z" ~~ "'" elu :oZ 0'''' "'15 "'.. "" t:z -'~ ~'" ",:0 ~o r:;", d:$ "z ~;;: E-<-' o~ E-<Z "'Z "'" :E" "" 0'" "E-< .." ~'" ,,- h ~ CjJ:a ....:I o l=l <!) ;:J o..g i3 . < E ;::J l-I U-l ~ <!) Cl ~ ~ t-< pJ ;a;~:;;'>-<~Cl 0<.) '" u U '-l,., .......::l' gu Z 0..... ]~~O~t-<~ '"E "'.a~~~" 5:.9':~~~~ <!)~~~:::E"o tall)l=l~u:!<:::E ~:g~~t56r:1~ <!).. ~ l.o....... -'''' tfs ~~>-oo< <.... gp~....:I:::E:><q ~ 5'~:;~O::g::: -"'o",!;;::o ""8", 0 "- .g;;-, ;:l:jr<.....u;:J d {l ~<!) E- 0"'" 0 OJ ::J..-..g ZO~O ~c],g8~~~ Q:::j ~'o CO; 0 ~ i=l:E8:5f-~~ r:t.l ....#l';:l >-ooQO o l-< ~ ':;:::l ;::::l OJ:E ~..;p8~'B~:::S~es:: u ~l=l"O .:;::J....:I::;:l ~gb~5~o<O ot::~~-<>-~:>< "~a~"'"'80 ~....~c<;I=UE-<:Z; O::l blj'Uf")Zoiil >~~t; <zCO; <c~:.:::~t:.;(f}O ....o.."'_-f-< oo~~.~zgJ~~ "~"'S51iil<~O ..9::l CjJ=~O= g:;c<;I~"f-<(f} o.s 1l)'.SZ~ ~ ~~.g~=~~~ ril ~d ~n::o~>< f-<t;-S8~:Ef-<", iiti ~.~ . '" 0 " . " 8 d.,g <!) 8 ],g <!)-5tS .:::: g].e ~ o ~'U:.a 0 ~.....a~-5 ~ 8 ~.s] .<: Z ~ 1::!-fl' > . 0 . ~ 's-a 0.8 S S ~ ~ ;>, ;;.1 ~ ~ s ~ .~ 5 .s 8 ' "7 -;; ~.~ ~ @ I -B.a g 2;>'.;j ~ 2i{-< <!) g 5 tl..g ~ ro,~.5 Z:;;.~.9=5 ~.. <!).. .0 ~...c::ElO)<!);>' -<.:: '" @.3<<O '-'';;;S8~1 c '+-<.... II> 2 ~ ~ 0'. ';;;l i:d -' 0 0" ",.~ ril-Bta5'+-<] r:t.l....."O l-< 0 El Z i:d Il) 11.l"O S "'"" -S " ~.~ o ~ ... 3 I1.l t U~~~-S] t= r;- '" 8 til ~ >=t 5 ~~ -5 ~ ~ tll)"tj til l-< 0 = c<;I..-..l:l<2 >. U gf~,.~ M ~'i';:~ ~~ ~~.E",~.( po -:S ~"E oil 00 (,) ... 11.l.... = z.....<2.J:J g,.::! o:g::lB..9gs u~~=.;QS ,0 :vgp "-lC"O ~ ] El ,~,gJ.a ~ II) <!) ... = B ~ b -5 '";:; ~ ~'" ~:.:: S <;:<......0 ii,t:; c<;I P.t; '3];; t'~] ~~& ..s c<;I'<;:: 5 0 0:3. 2 ... Il)C6:blll1.l~Il)G)O "OOS~SRS-a"tj c'.P<!)~o3""8...2 ';;; ~:o U3::r: ~ 8 0 t;:; .~ e; 2:~II>] 8'<;::~] 1'Jl<;:; P.k) ~"O] bllE-< b(l,S,!:3 ~-aG)!J Crn t:: tfJ..s ~ S 1ii l-< '::3 ~ ~ ,. Il) <!) 0 51 ~ '8 ~ !::l ~.z g ~'~ ~.g g o '" ~ ':C' ~"l::l C "'-.P >-< ,tl ... G) ~ ~ 8 .5 ~ l:;.8-S;;l~.=-g:a F1 ~~ s a 0 i::l ;:.., Q.. """ ",.D 0 = G) 0.... c;l Z P.:g ~ .~.: ,,~ a bO < bll;:j I1.l '" 0 G) ~ 0 :::: ~.g Il) g -d';E'.g..::: >-.~ 00 ::> [;;l.s 0 3 ~:-= . I1.l iZl..9].~::::: d~ ~ r;-S 00 '0 (ll '" t;::::; O.~ ;;., C <l) <<;:;"0 ~ t:i'~-5~ ~g ~ ~.~-a ::IE.2'+-<0....<'7' ~ II> b'o .. '0 G) 0 -< ~ G) ~ ::I 8:] a 0 b ~.g~c:;..<ll)p8g fool o..J:l t;: ~ R] a ,s 4-< ~ Z g.8 g ~ :: ~~ ~ O'~;:.., obllc<;ll-<CO ~ -S '+-<.Q"O g"l::l P.'uo >. c-P.o~.s~:::I<<O ~ .;::: :2 ~t- ~ ~ ~ ~ ~ ~~,~.8~B~<B.;S.g z" ~.:d a 11>'0'" l::l..-- O'..o~CjJ~'1il':cs:o t: ,...'t:: 0 '" ~.5a-C E=<Bg<!)P::<<<l~~;:'" -< ~ ;:..,-5 <!) 1;' 00.2 ;:l t:: u "'15 ~ ~ 5:30.0;5 ....:l @ G) i:d ~ 00 G) g.t:l., d =--o......c::.~t;gvl1.l.. ~~B::I~e::l..o:So:S < e 2 :;,< t1J 8 ~.8'~ 6 >< " '" :0 ~ 0' '" >< ~~~ "';::., gt;;~ 0-''' f-<en'" ,,=;S . ~~U g~~:s ;:"~r=:lr=:l eo 0;;;'" "0-' >'t:i"'" .J:oo~~ tlZli:Jl';;;l ;;;"Ou oS;>z ",,,E-<'" ~Ii;i1<1.l!-o z~~~ S:e1"oo !-o~......( <!-O.....1Oil ~~e~ ;::~tl" ~~~to ~~~~ 0....,,, "~:EO ~~~~ ~IS;~~ ~b08 ",zi>i;:: 000", >~J.l;.-< o -ci~ ~ .6 t '-=.( "0 t-:S > " 0.0 ~1l ~~ a:.::: _ .0 .!2 S . . la ~ 0.- "'" " Il "',~ t; ts ~.€ ;;-,:;:: 0.0 ~] " 0 " 0 8.0 0- a~ ~ 3 " " '" g o 0 -'" {i.( ~ ~ >'" ~E '"" z g 0' " ~ " f-<{i u~ .( 0 ,.:; u'" z ~ "'t' '-'.0 .(f-< ';;.s 00 ~ 9~ "'" !l- = z OU 0", .s ;] 1;;;;1< ~Z-( :E =:~ ,." ~~~~~~o z d ~ ,.. ~~ u~ -= ~-; i3 . - 0 <8~oo<(ijO 0,. z" ~ d .., f-< Of-<17.l " ,.", ..-, 0 - >>^ U.J:!:IJen<~ "'" en Q.== ~ .... E-< f:: 8 ~ 1i:i=1Z~~r.;1i=1 >", "'~ .. ~~ u ::l ""s.s -(i=1~<~IJCi 0- "',-, z ooCl Uz<,.;j '" "'", '" '" 8;:" ... f:;::lz<z;:lIJf=;l u z" ..", E-< '" := .:E :oi2E-<:;;~E-<" Z "'E-< "'''' '" " gj:t:: = u", "", ;;; 00. ..~S - "'., ., i!:i O",...c ~ ... 0 ~ .... =0 ",,. ;, ~'-a.. ~ ~o~~~~S z'" u " :!i ~~ ;;::E " '" ;: ~ 8 ZU i=1>oil>-C:: . '" "'" g::- U .. ~=5 <o>-<IJ~U>oil ~ '" ~" 0 ~zZ<S~Q.; . " .( ~~ :EO " E-< ~~~ " ~ =:_Or=:lIJ~< . " - .. u" 0'", '" u 5 .s.u oootiU>oil~,..l ," . 0 " f,l .. E-< ~~ ",f'" .2~ ~ ~~g~d~~ Ci.., ~ :E .( .. .' 0 " " ..E-< '" '" ~ ~ " ~- E-<", "u ;, 0 . 0 _ - :;<~:5~l';;;l~ .:; -= ~ " i;; f!J", f-<~ " " . .~ Il ." '" 8 ~ ~ >> ~u r-:oo;(.l-o( ~; '. . ~:E .... u .. . ~ ::: = 0' " ~ ~<a.:! ;:l;:l~IJoo~u t:~ N " .;: :E "''' 0", z S == 5 a; "''''", 15 "!z! " o . ~ ~ '; ~o ~ er.:j .. ~ t'~ r-lZzooQ en ..; Z"' ;: 0 ,. ~..j '" ""P"~;;:~ e ~= " " u ~'" o~u ",0 z 00- = - = 0 0 u:s ~~z ... ~ E-< <I.lO<O~O '2 = . ~ . . Z <I.l=::< "'~ 0 -~ "-lQc;l= ~> ., _u . '" '" '" ~~ S:"'E-< '" 5)< = O~~;S"; ~ " =z '" ~ !:,ll ~ ~~ 00'" ~8 i2 ~>"'~r'" ~ " ~E-<;: ....= = '" ~ 1 ; >-<= ;t:~ "'u'" '" >0> ~ Q U :E "'" "",'" ",,,, _ 0 0 Q~ .J:<O>oil @ ~ '" ~'" =f;;;li=1 ",,, '" o 0 >> ,,0 > ~ 00 <<z>oii:J< '" ::l~ f-<u" Q" ~ e u.- Z S:~ ~U ~ 1.: =Z~ .- .... .... "~<Jz~ -'.. en '" ,,~ ..... <:\l ~ ~ S~ ....( o ~ = ZE-<",,,z:l"'f-< ~ '" ~ ;~~ "'0 " ... ~ "" .. ,,-, ~ " - 0 o z ~ cSL~ 8 ~ '" :lU ~,. ~u" '" ii ~ ;>;~o ~ ... = t:lO~;SU~-, ~ " ~ 0' ..i>i -'''';;; .." eo " . = oil " z ::l ~",,. ~'" . e " '" ,.; .. '" fi:1~ ~~~ u<oz~<::::- z " -' ::: "'u r;oz~ ~~oo ;;: to U -' E-< 0' ~;;; o'-'z os... E-<ti~~~8~~ U '" u<~ ~U ~ 0 '" 15 z == :Eo ","" Ol';;;ltf:l<~~r,; ~ lj " ~.9 oJ ~ ~ ::a "g: ot2c:: Zp::f;OIf-i c.,OQ 0 ><0'" "'.. "'''' "-'''i>i 0 ~ 0 " 0 ..;;;;;; ...:.lClQ~ZJi;;il~ '" -' 0 U ,. ~ '" '-;"1fl "'"", -,~",) .~ r ,f'" , ~ ~ 'uY'-:;- --,,'. ,-~"' "'-, - "1"'~W:,:;~: KS::: .~ :::l . 0 o >-. ~~-:S ....~E ~ ~~ <'\I-;j U " . " .S g:5 .~ ~ c! ~ p."8..8 ~~:gS 1l:::::5i, <'\I ~ - i;> ~ 5 5 ~8>- .- " ~.' 0; "-' 'Oil '-' <tl ;> 'u p ~E <I) ,~ ~ (<l"O ~] -5.~ <'\1"'04-- --=<8'"""0 ~ g ~ ~ ~ . '" iU ~E"5-< 'IJ'';:: 5' C) g ~.=: ~ ~ ':i:l ;:l ;3! fi: gjl[ti: gp'~ <1) gjl .~ Cl.~'~ :i5g.s:i5 11>1..0.... d .~ .~ E'~ ~8:~~ ~ 215 ~ 0:: :::l :::l !:: <tl 0 0 <I.l 0.. ;>.,;>,0.. " "' ~ -I" >-0 5 iU <r: E~ Q Wd8 S~f-<o.. Q;, ~~jd~ ~O~9d e::~<r::ffi'IJ '"!:l","'1l ~=!Z~~ :,a~~Q~ .-:::oo;:E.......... ~ -<;>< 00 .:!::~<C~<1) ,8 ~ 0..;>< S ~;:J~~S 1':;:<0:6 -.:;l~Of-<...><: ~<~wg B.~o::I:..c ;>,<~f-<-;j 8b>-~S g ~ ~;: '5 >-_......~o ~~g~~ ..;l~0..;:J~ ;:JZ"';O '" -<;: t"-; ~~... r.. -<a~.~ ~Q..~O~ <=<~-u. ~=:wo ~ 01)'--< I!l..o ~.~::r:::I:u ~ ",-u a = g E2 E2.... ;:J.~;::: ;::: ~ u.tJ ~rn '-g Ob=~E E-;<1)[;;O)O<tl ~~~~~ o <l)f;:::l::I:;:l.. ';I: -:S..J uS SI i!;ZO zS~ 0"'" -~:;: !:: ~ " " "'0" "'''< <2020 ,,-< O@\fJ D~< 20",,,, :3-~ ....r-1c:: ~u~ f:01E=:Q ~~~E-< ><0001:::1 =~u", Q r-1Q f:01 Cl:ir-1 E-<!::fo-d.:: U'-'oE-< [;;;;lE-ZE-< "" U 0" -<:s r=l ,,-.. =--D"'~ "i!;00 ~~t.lu 200" "'..::! ~5> B"" ~Z ::l,,~ < ~~ ~,.'" ouo ,."i';l ~~~ "'~ "z 0< z= o o o >- q- . ;g ~ 0 ." ~ .~ :::0;:: E 8.gz -<t: gJo. <If 'b e ~:= ..:.::uttl~ a~Oal CO'<l"c..O ~ = ~ '. '" . ~ = ~ ~ ~ = " i "' " .8 ~ if ~ = o ~ ~ ~ ~ ; ~ 'll " . > = ~ o o ~ r . ,"" >-:-g;:::s f-<=~lIi-;j'O ~t:g"Eg~ :I;:_;Il 01)...... I:':l L-< ~ C ~ <1) < ~ 0 $:;;.c +- cI:.lO:::;....... '... !l# <1) m .0 ;SB:::'@~e ~ "':-;::.....( 1.0 ~:E;:::~p:s ~"C.g c::8;: ~:e~SC= $ ~:S.S ~ ~ e'2~g.~~ 8 ~ Ol) atTl u ....~gt::~t o 0 <'\I 0 ~ ,9- c....~s;S~ o ~ ~ <1l........ ~ = gf-5 ~ = o!.... ;>--, '1.I.g ~.E]~]g ;--< 1.0 .... 0 c.... I <1ls........<l:l ''0 ;:l '1.1 0 Oll f-t = 0 0 C '1.1 ~~~1a.~~ ;::. <1l....~ 11)19 <of!'E:o.gt:ll ~ J ~ -S.... S ~.g-:s 1A 8.~ ~~]..9~E :I: t:Il..... ;>,;:l 0 .... ,_ . . 0" ~,s.8"' ~..... 0lJ::l ca t:Il soao~'-<;:: u ~ .~ ~:B "0 f-t"OF=lij<1lE 0'1.1 .s;ll Z a ~I-""" .8 .......Q'1.Ion OO~"Ei......;::i '" "'.- " " ~ >- ~ --g lJ"O . 5<.~~11!. 0........ 0..5 ~S;~_OCl r::~E.iO~~ - 6 o >- i o " E ~ o = o " " " = -" ~ o "' = '" . ." "" .... .. ~ < " '" " ~ w < " .... ~ o :;: ~ ~ o > '" ~ ~ U o .... ~ o :r:I . -S >- "' '" " "" - . "' , ~;5M t:3:9g c3~:; i:2~1:4 OZ~ ::s~:.::: . 0 ~ F:-U ~ ~ < " '" <=< ~;j ...." "I< o ~ r;a;, ~" .... . <@' Z~ IT ..2:::l ~ ~ :> :s! ~] <20"" ~~~ <1)~rtJ~~ Ol)..o'~ .:0 ~::o.!: ..0 ~ Ode (ll :l =.~;;~t::..g .;:~~~gg~t ......::l~~(ll<1l~ t'g~S"::;>'::::: '1.1 <'\I n" -;:; ~ !:l Cl 0. ;Il ::l ::t' ,~ -<t:.... = 8.-;:: 0 -' i;> ."0 S o.g ~i 0..8 <1).:.- "0 <tl ~ ... 00 -g ... ~~'aB~~-5;; Sh:, 1f c ~ 'O'S 'Eg~'~:=~g'g S ;>--, c =a::: ~ ca 'C <1l~:a.a~<1li:;'<1l t:'t~~g~8 I ... g 9-l >--B.c ~ I...... Ii)::f..... u..... Z '1.1 0. ~ ........ Cl ala.... ~5io 5~~.8'@~~if'"l Q.s t:Il rtJ'a 6) '0;>4 ~;:::.~~ gf-g]E-;~ "'0 ";~n<ll~~ 0lJ ..0... >-"\:: <1l.J3 ...:l '1.1 <1)!l) <<l.c <1lf-t u"O-;jc...,....".. ~ <I) ::: ti t:Il ;>,,,. ~ ~ :;:f~ t:: ~..o 0 i3 OtlllOlJdd"g5= ~ t:.s~~!:l >-:a Oll)..o~-,......... "'8".'-U!l.~ ~ <1l<S g"8.5 0 C oS] ~ 81:;> I=l il ...dl::l >- e 8ca &l = . i3ooOlJo.E.,g~~ E-o ;>--, 50B ca Q ~ 't:I ~ ~ ag.i;>if:S~ '" o S:E o.;::~--g -:: <1l ~!+--< II) 0.... '0 1.0 ~ ~ ~ '0.... ...;'~rIl '0 :l 1.0 ~ ... <1)"0 0lJ ;>., d ~ S ~.s~~eLl<tl=.... rn Ol)'S E: S ~ 0 = ~ Il) l;I cr' 0 g:::: ell ~.s u ~:r: ell ~:=: ~ iil u . "' .... .. ~ t:l o ~ ~ "" '" ::0 o i'2 '" '" ~ "" .~ .9 ;S . ,s " 2 '" !-< Z "' :;; ,. < '" '" o ~ Cj.g ...." @S11 :;; ~ ,. . .. e to! ~ zE 0' ~ ~ '" 0 ogf H f-<=' 02 z.Jj "'" > ii ~ " ::o,s 06 ~ 8 ',,'C._ o o N ..: " , "" .i! " . o o o N >- ~ o o N ..: . ] " '. il' o . a " 2 .Q " !l ~ . ~ o o >- . ' ~ ~ o . .El~ . 0 ~E: ~.s ~ ~ ]] ~ . ~.g , . ~ ~ '" " S~ ~ 0 r;a'iil " ~ a <=< 8 ~], ..2 ~" ~'ir. .... ,5 0l5. '" ~ " 5 ~oB~] '0 ,.l" ~ -0 Il) ~ c ;;l tS :-. -< s::: <1l till dJ 0 ?ll d ;> tU.P <tl dJ" ~~S]!l;I.s ;> 0 t:Il d 5<;;j.cd..9~ ;>,-0 dJ tl:j 0 <1l == ~ g ~ s.s IS:::O - <0;;; ':.a.... .v,O :J. ~ =' ~ <'5 d -< g dJ"O.s..o Cll ... S .....;:.c 00 ~'''::: ~ ;.>- ~ ~... "0 '"" ~~a~~:; ~-3d::~~ [;oil tU <1) g d.... ~.s~58~ 1;/.)'U<u1=l2r1l O&-B~8~ E-;-g'i::~'O~ ~.t:: ~.... 1a ~ o Q) III 01) ~ p....-s a'j '" !:%i;:... d)~ ~..... '0 d <;:;...... E-o ...... ~.... ~<J) :u ..;l 9...:!:: ell 0 t3 g ~~ 8.,g ...... '-' <1)..0 O-.:;l ~><"Oo~.s ~ OJ) t:Il 01)'::::' ~ p::>S..g;iS :so ~E2 eLl d'O ';I:t--<Bal~~ E-t Il) S III <1) 'f;:IiI~.8::jtU= ~......... 0 ... c :;;;).S.d >- <1) 8 u-S..... ;:i <Il 'r;:: ... v'O to; o::>.,g -a c 0 E-;.=:~oo,.g~ ::I 01) '" -.:J Il) H"a >.0.. ."" :I:1!l ....01).... ~"O;'5 iil 0 c:2 JJ'<a c;3 -5 a " . i'!' " '5 " OJ < " o ~ :! ~ . . . "- .... z ~ o :;! < " . "" 6 ~ 15 " :; ~ N N ;;;; . . . "- I< . ..J ~;: ....0 of" ....;;;; t"""-~ .. ,~~ ~ - . a ~ . , e ~ .." 'fl~ .= = ~ . ~q ~ . . ." . - = o = 0-::: >,.;; ". .s; ; e U il <li :! ~; ,:,,s 23 '" 8 ~ 1=l1F '" - o e - o . " . - ,~",-.",~- . 5'" 0: ;;; ",0 '" U f-< of-< ::0 O>-~ ~ ::0 Z -<:z 0 "' ;ol 00 ,. z ":C 0 0 ~~ Z ~~f-- "' f-;z: 3iiJ '" ~ '" ;1t: 0 -<:~~ ;> " uf-< -<: "" 0 UJ~ ~ SOf-- ~'" '" ,. ,. O:Z f-< -:c", 0'" ,. ~ '" f-<- U ~'-"CZ:: ~~ ~ ",0 -<: "' '0 "' z "'z ,. o::J::E ::0 ~ 0- ~ "';olf-< ::> f:i ,:.; ,.'" "'-<:"" -<:", ~ "' '" -<:fii -<: ;1",::> ~~ ;z: "' ::i "''''' '" -<:"'-<: f-<t2 '" -<: "' 0", ~ IZlCl~ l;; "' eJ '" iiJ"'''' ""- f--(.!.l ~~ "" U "' ,.", 0: ",,,, ::l ;;i z :c ",f-< f-< f--f--p::: 63~ '" "' f-< ZO ,. O~::> "' '" '" o~ f-< 0 "'f-< ::> '" "' ~ -<::3 '" -<: > ;1;1 ",::>,. 0 '" '" -<: ~U~ ",", ,. iiJ = "'0 ,. 0;' '" z "'''' "' 08~0 ",-<: "' f-< ::l 0 f-<", '" f--><u~ U"" fii iil "' "' "',. '" "' -<: ~~ "' "" 0", '" ~"'.[3r;: g; ~ -<: ::> '" ~S "''''f-<~ f-<:r: . '" ' s " U "'f-<"' 0 ~ o~:r: ;;<of-< ",'" >;1 ~ -<: 0", "'>~ ",'" Z 1--;. ::> O~CZz :r:'" 0 f-< " '" .-<: f-<i:l ~ "'Of-< gu~~ 5~::o ,::: ~ 0 Cir:1ffiG; oU;:r:< Z",U 0"" U "' " ;10f-< "'0'" -<:f-< :;J '" iiJo:a~ "'-<:>;0 f--zw f-<,. "' f-<:C-<:-<: g....o "'"' '" :E f-<f-<f-< "''''''''", t:l >-1O::~~~ >"""" UJfil~ "';0 " "'", ~o "' >-10~<>-l <~o:oo lZlug '" -<:,::: "' z ~!;;>-:I:~ "''''Z~ -<:00 OU 0 0 ow<oUJ 0"'0,::: ~~;s ,..,-<: ,.., U f--ClP-.blXl f-<"'''' d :-;::; ..9~] ~ ~ " "1- - - O;j.... ~ <\) 8 "0 <Il is ~'o ti P <\) ~ ~ ~;~gS a E OIl:: E v,~ ~:;:: <1.l _~ 0.-' i5: E :;:llo.......... ;>-. O;j ~~~ ~ ..:::~ <;---0 ;.2~ .$J,g *-o1)~ 5. sgv~~ .~ ;l::.rg 3 1=l ~:9 - ~ ~ ..... Ill::!""" 'l:::I .......:::.i::"...::: '"7 III g <l.l 3: ~~~].g E-<"5O::i::g <8~~~ Cl ;>--, 0 0 QJ ~ t::..;:: ~ 8 ~ v 0 = '_ -< 0. .- ,~ ..... rJl g.;;:~ 2 - - 0 ;(-l '0 <Ii J....., ~ j!;l ~ OIl o;:l ~ ,,"- ,,- Cl3.... -'::l 00 0 0 0 ~8:;;';:"';2 ::t:: s:a 0 tE . 00 OU....1i >.i:) ~';:;'e:ca~-g ..;I <;-- <V '" - QJ = 0.... <V ::l_ ""'4 <I.l ~..::: 0 <\) ~~<I.le><';:; o fIl;<8.~ ~ ~!E 52 i5:'-e ~]~6g~ e! lZl "" >. >. a ~Cl3..s-8i:)~ ..::: =..... 00..0 u 0 s:: Q QJ ~;;;8~..9..o . -5 '" '" '" 't ~ ~ '" " - 0 0'. 0<1),", ",. '0:.:::<5 000 ~~~ i.s ~ -a g.S ",0.0 '" g.~ ~ ;>--''-< ~,,-<<2 .a~3 1Zl:::: 0 . " " ... 0.-0 -S 8 ~ ~ a 0 :a: -8 >. U <1,)..... (1).- .... Th ~.5 ::g.;:: 8 ;:., g 3 ~ a ..::: 0 0 fIl ..........3 :;:\'0.-= .... ad;::: (I) >< Cl3 ~-g '>'0;1<0 ~'E--;;;-; ~ 0. ,.0 o "- - - " 00 o.Cl3..o 00'g~'U . 00 " ~ Cl38:1 i ~ e.IJ';:j... C2t:: III '" ~ 0.0 " e"' .0 "" 00.5-5-; ~"-<i:)8 o 0 ~ '" L. 0.0:;1 b!I l:""'- r::: U~ -&'5h ~ !::l<o ~ '" " 0. 0 ~ 3: 8--0 j;;;J 0 0...0 . " . E' ~ :E . . '0 . e '" ~ o " = o '" " " ~ :: '" ;:; .5 0 ~ :s.~:z: ~ I:!\ J E ~ == u~~ Il'lO~ ~~~ '" '" ~ N on '" ~ ~ ~ " = il " .. . ~ o . - . >: N N N N ~ " ~ Q '" ~ ~ ~ Z '" "" ~ f-< f-< '-' ~ o U o f-< ~ o = " . ." 5 "" ~ o " e . z " " .0 e o Z . o o .. '" " . .0 e o Z ~ '" ;; o . - . 0. ~ o . ;; o U jl 'T ", - -~. .. " o " ~ '-< ~ ~ ;; .........,.::::- ....- ..... a ca 'itt ::;;;: ~ 23 ~ -= 0 ,,- '0 ~ a C.:::-<,c: "'0. ::8--0 = 0.-._ I'" [ :>< ~ ~ . . 00- " . . ~,2?8-ci ~ 23 -g ~ c S (;l '" I" . 'co .0 " . - " . "~ . ~ .'" ~ = -' >. ~ = ~ 1:1 : >- 0;1 '-< 0.0 1:=::-8t:: ~.~ ~ ~ " 0 ~ .... -<..oai1=l IJ' is: ",-;:I E-< ~ ~t; =-....ia '" o'*'fS5 ~ a "," E ~~1:i~ 0.... QJ.... z ~ ~g. o <I.l o;l'" _ so.... E-l..o 00G) ~ o;l.S~ :E B -g " ;;,J'l.ls.,s 00 S '" ... ~.8g:5 " o . " " - ~" c:- '-",""- . q..N " , " rl,<;::' 0- ~ '::~~ 0 ~~ N ~ 0,> !3~ ri> 0- Om ..~ 0, ~m mH 0 0, ou 0 ,"Z "" m '" U> ri>O !3 ~13 ri~ > 00 '" m ~~'" '- s 0 '" mo '""' OH~r:LI NO ,W E-<;:I:UP::: ,-U " 0," ,"H 0 '" "'" "Q:r:~ ri~ Z 00 ~~U ~ ",0. ~ U,- 0.0. ri ~ ",N '"> "''" 0 m H "U " o~ " O~ 0.'" OHO Z ~~ 0 ~"" 0 13": '"" "'m H >" 0 ~ . om ::;~ !; >:m ri ",,,,m UOl ,","0 " ~'" '" >:0' 0 8~~ ~ ,"om 0. "'" '" 0 Z ~~H Ho, " H ri 0 ~ 0 t.9,:;t;~[ilg n " ~ Z m ri '" Zo.Z;:J' H ri H H Oom 0 '" "' O,"H 0 ,"ri "Z..:l E-< '"~ Q.a:WCf.lH coo >0 ~ .0. HQ rl\D ri "'~ :> ..::lQ&NMO ,,," .~, ~~ ,...;NM E ;;;jre ua::~ ~ 0, o,H , E-<>< 0 r-1 0 >H ~ N ~ 0. om ~ ~~ U' ~Hri '" ,,1'3 ri ri ~ U '" [:.d~ rlrLJ 0 Co o..OOt:t!r:tl '- ri .1, '" >riO 0. . ~m . "'~'" m ri " "'"'''' , "'00 '0: ri ,"",0 , ~~ '"~ "'" , ~" "Z '" V "0 , 0 "'00 E Co ~ , >: om>: . CoCo," , 0 IS", ~ Zi H , ,"ri "I '" 0. , mo UO ,"0 ,rl ~~ t~ , ,"0 ,"m ~ ~ i , o,ri~ "" > V NZZrr: , "H 00'" "'''''' ri E ~ 0:0 , ~~ 0.0.0 0,'"0 '" 0 , 0 Oz , ~ 0 ,,~ 0, '- U ri Co ~Z ~Z ~...cuQ) 0 0 ri riH~ ,"N ' '" 0 0 ,"OH 0, " m E-<ril..:irlril '- ~,...;~~~ ~ "''''''' "'"' "' 0 ri zoo Ho, Cf.lO>::Ul ri oz ' OUH m HUOHM N 0, , H f(J~~ ..:I ~H""; V ;;;j~~g , t:~~ ~~O~~ v m , "00 " . E-<ME-<P.. , "'~~ 0,",", UE-<o.Url . 0, 0 m '" ri Z H '" '" ~ 0 13 ri " 0 ~ '- '" N ~ '- "' 0 H N cO ri " ~ cO ~ ~ "' 8 '" "' m 0' ;;; m "" " '" Z H 0 0 H ~ ~ N N '" 0 e' is , , 0 roo ",,0 0. O~ O~ Z 0 0 H i(i ~ , N~ N~ Z ~ H~ ,.<~ '" ri ~ ':tl H ro ri "' ~H ~ ' E 0 ri~ ,.<m , ~ 0 '" riO ,.<ri N 0 '" '" H , ~ U e, ;;; H ,.<~ ~ .' 0 " ~ > 0, 0 0 0 ..' ~ ~ ri rd, ~ H ~ " U ri ,,' U ri c, '" V .' '" ~ " '" 0 0 ~ E . N" > ~ "' V Z' riCo ..' ~ ~ 6 , Nm 13 0 H 'rl ,,: ~"' 0 0 ~ " ' o~ 0 U '" v, H," U '" U ~ 0. ri E! ri" '" '" 0 0 ", o "'~ '- u! co t-:I .M 0 '" '" H 0 0 ~Co> '" riO "<0 0 ~ 0, '" '" OH OH '- rlrLJrilE-< '" 0 ri "~o,,,, 0, ~~ :::~ ~ ri '" >~ " ~ZE-<CI) ~ ~~ M~ v' V m' " . . 0, 0 --'~~"'_:l!.rT"" ~~ ;r "" .. f'1";.o.' ' ~ " > .. -~,' '- . ~ j '___~;:t ~~' l~""'-Y "_,""_'~",J,_''''',_,-___" ~_~__ -'-":r" _,-of Exhibit "E" ".: -"" ,c ". ,,'~,'~ ' ". "C~ ... I -' -~". -}['. NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 U.S.C. SECTION 1601 AS AMENDED 1. This law fIrm may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount ofthe debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be' assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. Ifthe debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. Ifthe creditor named as Plaintiff in the Complaint is not the original creditor, and ifthe debtor makes a written request to the creditor's law fIrm within the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. --q'"~:" '1,"':'-<"'~C..:'_:--," --~.."v~" ,.~_I' . - " -' '1.'--~'" _.-- ',",.~, , '''<'' , , 'L,"_'",..,'."'" I' CI "~":'?_ ',' 'C'., '.' ,~_ ]'!')'; Y;'f;P,.,'l"."",,"J'\",,'~-.i'" ",;,:;,,' "; ,.::I'e. ,. ,<:'_I@"::"7c.> ". <, "'~""_',"",""'i"" ,- ~ - ~"~",,,,,' c,,"~__',,,,~,,~,:-,,",,__, '7':';:,> 'I ~"nL:f;'Fi"~~?fiili """~h"ri(r[iIIJnrr, " \ .. c. (0 p ~ re ~ ~ ~ ~ 0 C~ (") ?1 -~\'j ~. f; n --.) 8 tI) " :q & "1'J(T' f" n-l[T' C'-) ....... Cy 2::J I ........ ~ I I~ C~ .() n,) -c::- -..J ~ ~ -~' . ...:J :',,) r -';>" ::-) L J =< en ;mf1'!=flliF!)l!'i".l~I__ ,...l~,~ "";""_ _. _.._ ",""!'ilJ!;" SHERIFF'S RETURN - REGULAR , ..... CASE NO: 2001-06897 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BANK OF AMERICA NA VS WELLS JOHN J JR ET AL DAWN KELL , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon WELLS LINDA LEE the DEFENDANT , at 1835:00 HOURS, on the 13th day of December, 2001 at 1004 NORTHFIELD DRIVE CARLISLE, PA 17013 by handing to LINDA LEE WELLS a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 ,r~ S'<t: ~JC> R. Thomas Kline 12/14/2001 SPEAR & HOFFMAN Sworn and Subscribed to before "- me this Ji- By: ~~3. ~ Deputy Sheriff day of ~ ~fxJJ A.D. ~{2~~. r thonotary ':-"""tr^l;!W!i''''lli;h''''laVl"",,',,",7''...,~:..r.'''i!!i,. ",~"M '1 ,'~- '!I ~ ~" ."~ .....~T~~ SHERIFF'S RETURN - NOT FOUND -- CASE NO: 2001-06897 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND BANK OF AMERICA NA VS WELLS JOHN J JR ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT WELLS JOHN J JR but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE , NOT FOUND , as to the within named DEFENDANT , WELLS JOHN J JR MOVED 5 YEARS AGO. BELIEVED TO BE IN NY. Sheriff's Costs: Docketing Service not Found Surcharge 18.00 3.25 5.00 10.00 .00 36.25 So answers: /--< _ ----' ~~--~ /, ~~ R. homas Kline Sheriff of Cumberland County SPEAR & HOFFMAN 12/14/2001 Sworn and subscribed to before me this I:V /8 v day of ~ J.C>12/ A.D. ~E~a~ ,~ ""BfI~1W~_o,~. ~, _ o. ~"" I ,"- - I - ~ ".,.~ ~'-~"'.~-1""c .<oiI..., . .. ...,~. ...,.., .. Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney LD. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey ;)8034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 4801107212 copy. BANK OF AMERICA, N.A. 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. Dl -ls,pct7 Cu~l '-r~ vs, JOHN J. WELLS, JR. AND LINDA LEE WELLS 1004 NORTHFIELD DRIVE CARLISLE,PA 17013 DEFENDANTS COMPLAINT - CIVIL ACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE,PA 17103 (717) 249-3166 CERTIFIED TRUE AND .. CORRECT Y ~.... BONNIE DAHL ATTORNEY AT lAW STATE Of PA TRUE COPY FROM RECO~O In Testimony whereof. I hera uoto ~et my ""..nil ~the;:t O~~d ~r,' rt at carIiSle.~ '.:,;",~l<;,~~_,~._ , " ,e,H ' ~:rr ' -" rr , ,~~ A VISa Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted.tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Race falta asentar una comparencia escrita 0 en persona 0 con un abogado y entregar a la corte en forma escrita sus defensas 0 sus objeciones alas demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso 0 notificacion. Ademas, la corte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de estademanda. Usted puede perder dinero 0 sus propiedades 0 otros dereches importantes para usted. LLEVEESTADEMANDAA UN ABOGADO INMEDIATAMENTE, SINOTIENEABOGADO 0 SINO TIENE EL DINERO SUPICIENTE DE P AGAR TAL SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17103 (717) 249-3166 '!-KmJ ~! .._ ), ." "__'0 '''' . ,,~, - - ~ . 'l, - "-j, "-" ." ," t-' '-'''~- ".' , Spear & Hoffinan, P .A. BY: BONNIE DAHL, ESQUIRE Attorney J.D. No. 79294 . 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No. : 4801107212 BANK OF AMERICA, N.A. 475 CROSSPOINT PARKWAY P.O. BOX 9000 GETZVILLE, NY 14068-9000 PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. vs. JOHN J. WELLS, JR. AND LINDA LEE' WELLS 1004 NORTHFIELD DRIVE CARLISLE, PA 17013 DEFENDANTS COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is BANK OF AMERICA, N.A., with its principal place of business located at 475 CROSSPOINT PARKWAY, P.O. BOX 9000, GETZVILLE, NY 14068-9000. 2. The names and last known addresses of the Defendants are: JOHN J. WELLS, JR. AND LINDA LEE WELLS, 1004 NORTHFIELD DRIVE, CARLISLE, PA 17013. 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both. 4. On or about NOVEMBER 30, 1992, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to BANK OF AMERICA, N.A., which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: NOVEMBER 30, 1992 DATE RECORDED: DECEMBER 2, 1992 BOOK: 1105 PAGE: 540 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 10 19(9). A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 1 -~~,,~- ,,:_,"::1__'~1 10< "" "'-)'-, ~ ~ 1 5. On or about NOVEMBER 30, 1992, in consideration of their indebtedness to BANK OF AMERICA, N.A., JOHN J. WELLS, JR. AND LINDA LEE WELLS made, executed and delivered to BANK OF AMERICA, N.A. their promissory Note in the original principal amount of$83,936.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assiguments: ASSIGNOR: BANK UNITED OF TEXAS FEDERAL SAVINGS BANK ASSIGNEE: MARGARETTEN & COMPANY, INC. DATE OF ASSIGNMENT: DECEMBER 10, 1992 RECORDING DATE: AUGUST 5, 1993 BOOK: 450 PAGE: 920 ASSIGNOR: CHEMICAL RESIDENTIAL MORTGAGE CORPORATION, A NEW JERSEY CORPORATION, FORMERLY KNOWN AS MARGARETTEN & COMPANY, INC. ASSIGNEE: BANK OF AMERICA, FSB DATE OF ASSIGNMENT: SEPTEMBER I, 1994 RECORDING DATE: AUGUST 18, 1995 BOOK: 502 PAGE: 314 7. The Mortgage is secured by property located at 1004 NORTHFIELD DRIVE, CARLISLE, P A 17013, which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, due 06/0110 I and monthly thereafter are due and have not been paid, ,vhereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. 9. The following amounts are due on the Mortgage: Principal Balance $75,855.52 8.00% interest from 05/01/01 to OCTOBER 30,2001 at $16.86 per day $3,034.20 Accrued Late Charges $217.83 2 .-!.1(~,_ ~., " '" ,', --~ ,~ -'of . '" " ,--,~! 1 j- f" I;'~ "...,.,- Attorney's Fees $2.829.50 TOTAL AMOUNT DUE $81.937.05 Interest continues to accrue at the per diem rate of$16.86 for every day after OCTOBER 30, 2001 that the debt remains unpaid. 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, etc. 11. Pursuantto the notice provisions of Act 91, 35 P .S. ~ 1680A03( c), and the notice provisions of Act 6, 41 P.S. ~403, as governed by 12 Pa. Code Section 31.201 et seq. as amended by Act 160 of 1998 effective February 19, 1999, Plaintiff sent the combined Notice ofIntention to Foreclose Mortgage and Act 91 notice to Defendants, dated AUGUST 1,2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to cure the default and Defendants have failed to meet with the plaintiff or any of the consumer Cl edit counseling agencies listed in the notice andlor have further failed to meet the time limitations specified in the notice andlor have been denied assistance from the Pennsylvania Housing Finance Agency. 12. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest accruing after OCTOBER 30,2001 to the date of Judgment, plus 6% legal rate of interest from date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expended by the Plaintiff in payment of taxes, sewer and water rents, claims or charges for insurance or repairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuant to the rights and privileges granted under the terms of the subject mortgage, and for foreclosure and sale of the Mortgaged property. SPEAR & HOFFMAN, P.A. DAlli~1 /In Y0- flONNIE DAHL, ESQUIRE 3 'l'''''-~. "' ' ~ -0062395.wpd _J",,'-, ." ,",-,,' <C_ '"""_"-"",,,",_^.=,,,,.'h"^~_''''"'''''':'''''.''~"',^,\''',,".'~'',.&s:'..1."'""",,,.,"""_,,,",,",,. __ .,.:,",'.~~,,.' "'-"'.-:",".1;;'_'0,,","'''','''" ,_'."'.""""'_'_"","'''-''.'"":,,,:.._:;' _'."".-::",,,,_c',,,,",',"','_'_',i--""""'"'~''-''' . VERIFICATION The undersigned hereby states that he/she is an authorized officer, representative or agent for Plaintiff in this action and that he/she is authorized to make this Verification on behalf of Plaintiff. and that the facts set forth in the foregoing Complaint are taken from records maintained by persons supervised by the undersigned who maintain the business records of the Mortgage held by Plaintiff in the ordinary course of business and that those facts are true and correct to the best of hislher knowledge, information and belief. THE UNDERSIGNED UNDERSTANDS THAT FALSE STATEMENTS HEREIN ARE MADE SUBJECT TO THE PENALTIES OF 18 PA.C.S. S4904 RELATING TO UNSWORN FALSIFICATION TO AUTHORITIES. Date: .~h, k~'ULrN~~ Name: Karen M. esetarits Company: BA Mortgage, LLC Title: Officer '('f--:~)?-!,. ,_. >,,_' - ..,.~ , ~_: k~ . ' --I ,~ " I - Page 1 .- " ,1~;;rR "~,, '- ." ~,," Exhibit "A" ,r' 'I' , - ~~" " .~~ P~EPA~R~ BY" TINA FOULDS t:\..-\ 60........;.-> --> VA FOrm !6-1i)~6mBln.I."'.nl ~..j..d luno 1m. U<o Cp. 1;~".1. <;o.,ltln 1110. Till. ~8 U$.C.Ac.:.ptab"'l"r",le~1 Ntli"...1 M""~g<'A"noi"i"n. RE'.TURN TO. BANK UNITEU OF TEXAS FSB DBA CQMMONWEALTK 'UNITED MTG 3461 MARKET STREET CAMP HILL ":M.\jIt1tiA,GE PENNSYLVANIA THIS INDENTURE, made the 3 0 T H T . "!fine hundred and NINETY TWO "tit'Q[LI!er~ELLS , MARRIED day of NOV EMB ER in the year of our Lord one thousand . BETWEEN JOHN J. WELLS, JR. AND LINDA (hereinafter called Mortgagor) and UNITED STATES , and having FREEWAY, #2000 HOUSTON, WITNESSETH: That the Mortgagor to secure the payment of HUNDRED THIRTY SIX AND 00<100 EIGHTY THREE THOUSAND NINE Dollars ($ *','d83, 936.00 ), with interest from date, at the rate of EIGHT AND 00000 IIJi 1 000 DOper centum ( 8 . 00 0 %) per annum on the unpaid balance until paid, as provided in a Note of even date herewith, from the Mortgagor to the Mortgagee, in monthly installments of SIX HUNDRED FIFTEEN AND 90~lOO Dollars ($ *1t*,~*11615 .90 ), commencing on the first day of JANUARY ,19 93 ,and continuing thereafter on the first day of each month until such debt is fully paid, except that, if not sooner paid, the final payment thereof shall be due and payable on the first day of DE C E M B E R , 2 0 2 2 . and also to secure the performance of all covenants, agreements and conditions herein contained, does by these presents grant, bargain, sell, assign, release, convey and confinn to the Mortgagee, ALL the following described real property situated in the BOROUGH of CARLlSLE , CUMBERLAND .. ~ County of ~~THrnoAfn{!\rfin(l~~!1!ilt\~lt. WITHOUT THt flPPRGVAlOr flit '., jf~'i~) f,[lMiNISTHMIUN Illl ITS ^IT.;I\O'1rn ~Ilnll ,,4,'7('; , m\ , 1tL\'ll\IL_b I\tlm~. :':!f Ii, /; .gx ((2;. _SEE ATTACHED LEGAL DESCRIPTION.., \#1,<.) /) ~",,<,!,,",,"<- ~ 0': C";> ''"' r- U) 1 l,i n ;,_ ..111.11-- ., LJj "_ I '_' :~.l ~::; i --; ~~; L~ C;,J. E: Q. _ .,; r) ,.1-,.1 :;..; 1:--(.) --,; I".) (::.1 ( J C") I.'.: r:~ (.) I 'J L~- I.U (IJ - 0:: :.. C;,J CO "'-0 q ''.J en " (,) THE WITHIN MORTGAGE IS A FIRST PURCHASE MONEY MORTGAGE, THE CONSIDERATION FOR WHICH CONSTITUTES A PART OF THE PDRCHASE PRICE OF THE ABOVE DESCRIBED PROPERTY. BEING THE SAME PREMISES CONVEYED TO THE MORTGAGORS BY DEED FROM OF EVEN DATE, TO BE RECORDED SIMULTANEOUSLY HEREWITH. TOGETHER with all and singular the buildings, improvements, and fixtures on said premises, as well as all additions or improvements now or hereafter made to said premises, streets, alleys, passages, ways, waters, water courses, rights, liberties, privileges, hereditaments, and appurtenances whatsoever thereunto belonging, or in any wise appertaining, and the reversions and remainders, rents, issues, and profits threof, and in addition thereto the following described household appliances, which are, and shall be deemed to be, fixtures and a part of the realty, and are a portion of the security for the indebtedness herein mentioned, namely, provided, however, that the Mortgagor shall be entitled 10 collect and retain the said rents, issues, and proCits until defaul1 hereunder: TO HAVE AND TO HOLD said property. hereby granted, with the appurtenances, uht~ said Mortgagee to its own use forever: V-MP A 00848345 , y ,'! \. , . "no 71\0,0,< {~o." i<,;(,'d W( iI', 540 "*Y~'f-~""""", - ~ f- - O~~. T --~ " ',I'-<' ,\ _~:">(V'}fP,2/:'" ;'J,'jii),t:,t "OD8~$}4 5 ~ This Indenture is made, however, subject to the following covenants, conditions, agreements and stipulations, and the Mortgagor covenants and agrees: -' J. That the Mortgagor will promptly pay the principal of and iOlerest on the indebtedness evidenced ~y the said Note, at the times and in the manner therein provided, with privilege reserved to prepay at any time, WJthout premium or fee, the entire indebtedness or any part thereof not less than the amount of one installment, or one hundred dollars ($]00.00), whichever is less. Prepaymem in full shall be credited on the date received. Partial prepay- ment, other than on an installment due date, need not be credited until the next following installment due date or thirty days after such prepayment, whichever is earlier. 2. To more fully protect the security of this Mortgage, the Mortgagor shall pa~ to the Mortgagee as trustee (under the terms of this trust as hereinafter stated) in addition to and concurrently with, each monthly inswlJrnenl of principal and interest until said Note is fully. paid, the following sums: (a) A sum equal to the ground rems, If any, next due, pAus tbe premiums that will next become due and payable on policies of fire and other 1{aillrd insurance, plus taxes, assessments. and sewer and water rents. ne>:! due on the premises covered by this Mortgage (all as estimated by the Mortgagee, and of which the Mortgagor is notified) less all sums aJready!aid therefor' divided by the number of months to elapse before one month . prior to the date when such graun rents premiums, taxes. assessments. and sewer and water rents. will become due, such sums to be held by Mortgage~ in trust to pay said ground rents. premiums, taxes, assessments, and sewe'r and water rents. (b) The aggre~ale of the amounts payable pursuant tf? subparagraph (~) a~d tho~e payable on this debt shall be paid in a smgle payment each month, to be applied to the followmg Items In the order stated: (\) ground rents. taxes, assessments, ~eWer and water rents. fire and other hazard insurance premiums: (II) Interest on this debt; and mf) amortization of the principal of this debt. Any deficiency in the amount of any such aggregate monthly payment shall constitute an event of default hercunder and under said Note. unless made good by Mongagor prior to the due date of the next sllch payment. At Mortgagee's option, _Mortgagor will pay a "late charge"' -noC exceeding four pef centum (4 %) of any Iflswllmenl when paid more than fifteen (5) days after the due date thereof to- cover the extra expense involved in handling delinquent payments. but such "'late charge" shall not be payable oUf of the proceeds of any sale made 10 satisfy the mdebtedness secured hereby, unless such proceeds of any sale made to satisfy the indebied~ess secured hereby, unless such proceeds are sufficient 10 djscharge the enlJre jndebtedness and all proper costs and expenses secured thereby. 3. If the lotal of the payments made by Mortgagor, under (a) of paragraph 2 preceding, shall exceed the amount of payments actually made by Mortgagee as trustee for ground rents, taxes. assessments, sewer or water rents, or insurance premiums, as the case may be such excess shall be credited on subsequent payments to be made by Mortgagor for such items or, Mortgagee's option, as trustee, shall be refunded to Mongagor, If, however, such monthly payments shall not be sufficient to pay such items when the same shall become due and payable, then Mortgagor shall pay 10 Mortgagee as trustee any amount necessary to make up the deticiency within thirty (30) days after written notke from Mortgagee stating lhe amount of the deficiency, which notice may be given by mail. If at any time Mortgagor shaJl tender to Mortgagee, in accordance with the provisions _hereof, the full payment of the entire indebtedness represented hereby, Mortgagee, as trustee, shall in computing the amount of such indebtedness, credit to the account ofMongagor any credit balance remaining under the prOVIsions of (a) of paragraph 2. If there shall be a default undcr any of the provisions of the Note and this Mortgage securing the same, which results in a public sale of the premlses covered thereby, or if title to the rroperty is otherwise acquired by the Mortgagee after the default, the Mortgagee. as trustee, shaH apply, at the tllne of the commencement of such proceedings or at the time the propcrty IS otherwise acquired by the Mortgagee, the balance then remaining to the credit of Mortgagor under <ill or paragraph 2, a5 a credit on the interest accrued [Iod unpaid. Bnd the balance on the principallhen remaining unpaId on lh,e Note. 4. Mortgagor shall pay to Mortgagee all ground rents, taxes, assessmenl"i, sewer and waler rents, and all otber charges and claims assessed or levied al any time by any lawful authorily upon the premises covered bv this MOl1gage whiCh, by any present or future law or laws, shall have priority in lien or {laymen! {O the debt represented by Stud Note and secured by this Mortgage, and provision for the payment of which is not otherwise made herein, such payment 10 be made by Mortgagor wilhin thirty (JO) days after demand by Mortgagee, staling the amount. S, The principal indebtedness hereby evidenced and secured represents money actually used for the acquisi~ tion of or for improvements to the _premises secured by said Mortgage, 6, Mortgagor will continually maintain hazard insurance, of such type or types and amounts as the Mortgagee may from time to time require, on the improvements now or hereafter on said premises, and except when payment for all such.premiums has theretofore been made under (a) of para,graph 2 hereof, will pay promptly when due allY premiums therefor. All insurance shall be carried in companies approved by Mortgagee and the policies and renewals thereof shall be held by Mortgagee and have attached thereto loss payable clauses in favor of and in form acceptable to Mortgagee: In event of Joss, Mortgagor will give imn"!cdiale notice by mail (0 Mortg~gce, and Mortg~gec may ~ake proof of loss If not made promptly ~ Mortgagor- Each Insurance company concerned IS hereby authonzed and ~Irected to make payment for such Joss dIrectly to Mortgagee instead of 10 Mortgagor and Morlgagee jointly. The m~urd.rlce proceeds, or any part thereof, may be applied by MOI1gagee at its optlon either to the reduction of Ihe mdebtedpess or !o the restoration Of repair of die property damaged. In the sole and absoju!e discretion of Mortgagee, 10 event of foreclosure of the Mortgage or transfer of title to the mortgaged property in parlial or to~l ~xtmguis,hment of the Note hereby secured, all dght, title, and interest of Mortgagor in and to any msurance pol1cles tht;n 10 force shall pass to the purchaser or grantee or shall be canceled and the cancellation proceeds, If any, retamed by Mortgagee. Full power is hereby given to Mortgagee to settle or compromise all claims under such policies and to demand, receive and receipt for all moneys becoming payable thereunder. 7. Mortgagor shall not execute or file of record any instrument which imposes a res!riclion upon the selle or occupancy of the property herein described on the basis of race, co.lor or creed, \ 8. M?rtgagor will not suffer any Hen superior to the lien created by this Mortgage to attach to or to be en~ forced agamst the premises covere~ ~ this Mortgage, Mortgagor shall not ctlllll11it or permit waste; and shall main. 111l1! fh~ property III us good ~OndI(IOn as a1 prcscnr, reas(!nablc wear nnd [Car excepred. Upon any failure SOJq mamtalll, Mortgagee, at JlS optJon, Inay cause rca:)onablc malOtenance work to be performed <It the cost OfMorr~fj!rJ.,' ,'tHE f10RTGAGOR COVENANTS MID. AGRF;ES' TH.AT SO LONG AS THlS MORTGAGE ANVV;:W~?j\,.. SAIU NOTE: SECURED H.EREJH' ARE .GlJARAN. TEED' UfllOER TI-!E PROV1SI..ONS Of .THe~,:.~.._}J!- C..'\ " sr~RVlCEMEN S REAI~JU~TMENT ACT OF 19l14, HE WiLL NOT I1X~~CUTE OR l."IL~ 'OR JJv ! RECORU ANY INSTRUMeNT WH[CH [MPOSgs A ,REStRICTlON UPON THE SALE OR ~1~ I 'OCCUPANCY OF THE MORTGAGED PROPERTY ON THE IlAS1S UF RACE" CO.h'8"R.; OR Ii.EUu'. /' UPON AN.Y VIOLATION OF THIS UNDERTAKING. THE MORTGAGEI, MA"'("":",^''i'',..;r!tsc.oPTl~ Dfi:Cl,ARE THE UNPAID BAl.ANCE. OF THE DEBT SECURED Il~REBY IMMED'1A.j.EL1:.::'f~'~E. AND ::;.~ ,->. ~ ~ c.n ~~ c,,-, A- i-'- ,~"',11,-q"f~'li'i~~I1!r~ ',0 -~?"~.- r .-r~ ~"':"1 ["-:",-' ~Y'r> < ~ ~r ~~ ~..,.,,~ ~,,"~T .W!lI!l"..,~ __ ,,4 T .. VMP] . '()O~4~"~ i1)Ji" t r.... TIIll TITl.E S.CR.rARY OF VEfERANS A1FAIRS SHALl, BE SUBSTITUTED '.0,' .ll_~ (n ;fIADMJ lH':lTRATOR OF VETERANS AFFAiRS E:ACH TiME THAT IT APPEARS ~N ,W'{"d11',". nOCUHf.Nf PURSUANT TO THE PROViSiONS OF SECTION 2, PUB. L. NO. 1 'O'\l,e:!)~HE DEPARTMENT OF VETERANS AFFAIRS ACT. ~ /~~~ 9. Mortgagee shall have the right to pay al'lY ground rents, laKes, assessments, sewer and wate rents, an all other charges and claims which Mortgagor Im.~ ag-reed to pay under the terms ~ereof, to advan7e an'tl-paya sums of money that ]0 its judgment may be necessary to perfect or preserve the title of the premises covered by this Mortgage, or for Insurance premiums o~ for aoy authonzed ~namtenance work. AnJ: amount. or amo~nt~ so paid or advanced shall be added to the prinCIpal debt, shall bear mterest at jh~ rate prov.1ded for In the prmcII;lal mdebtedness from the date of payment or advance, ~nd shall be secured ~ this .Mortgage ratably with. said p~m- cipaI debt and interest thereon. Mortgagee, at its option, also shall be entitled to b~ suorogated to any lien, claim, or demand paid by it, or discharged with money advanced by it and secured by thiS Mortgage. The pa)'ments and advances so made shall be payable in approximately. equal monthly payments extending ov~r such penods as IT!ay be agreed upon by the Mortgagor and Mortgagee, but no~ beyond the due dale of the final msta.llm~nt of the prm- cipal debt. In event of failure t.o agree on date of rnatunty, the whole of the slim or sums so paId or advanced shall be due and payable thirty (30) days after demand by Mortgagee. . 10. The lien of this. Mortgagee shall "remain In full force ~nd ~ffect during postponement or extension of the lime of payment of the lndebtedness, or any pan thereof, which It secures. II. Upon the request of Mo~tgagee, Mortgagor shall execu!e and deliv<:r a. supplr;lTIenlal Notc or Notes for the sum or sums advanced or paid by Mortgagee for the alt.eratlOn, mooermzatlOn or improvement of the mort- gaged property made at Mortgagor's request; and fur maintenance of said property; or ground rents, taxes, assessment<;, sewer and water rents, and all other charges and claims assessed or levied against said property by any lawful authority, or for any otl~er purpose elsewh~re authorized hereun~er. Said Note or Notcs shalll:ie secured by thi~ Mortgage on a parity With and- as fully as If the amounts stated In such. Note or Notes were pa.rt of tha~ stated ~ t~e Nl?te hereby secured. Said supplemental Note or Notes shall bear mterest at the rate provided for m the pnnclpal ]0- dcbtedncss and shall be payable in approximately 'equal monthly payments fi)r such period as may be agreed upon by Mortgagor and Mortgagee. In event of failure to agree on date of maturity, the whole of the sum or sums so mlvanced or paid shall be due and paYJble thirty (30) days after demand by MQrtgagee; but. in no event shall any sHch maturily or due date extend beyond the due date of the final imtallment.of Ihe principal debt. J2. If the indebtedness secured hereby be. guaranteed or insured under Tille 38, United States Code, such Title and Regulations issued thereunder and in effect on the date hereof shallJovern the rights, duties and liabilities of the parties hereto. and any provisions of this or other instruments eKecute in connection with said indebtedness which are inconsistent with said Title or Regulations are hereby amended to conform t.hereto. 13. If, at any time, a Writ of Execution (Money Judgment) or other execution is properly issued upon a judg- ment obtained upon said Note, or if an Action of Mortgage Foredosure or any other appropriate acllon or pro- cccdi~~ viE foreclose a mortgage is instituled upon or under this sMw~age, an attorney's commission of ' per centum ( . %) of saiu principal debt shall he payable, and recovered in addition to all principal and interest and all other recoverable sums then due, together with costs of suit. 14. J f any deficiency in the amount of any aggregale monthly payment mentioned in (b) of paragraph 2 shall not be mmle good by Mortgagor prior to the due date of the llext such payment, or if default be made at any time in any of the covenants and agreements herein, or in the Note secured, then and in every such case, the whole principal debt shall, at the option of Mortgagee, become due and payable immediately. Payment thereof and all mlcrefit accrued thereon, witll-an attorney's commission as hereinbefore mentioned. may be enforced and recovered at OIlCC-, anything herein contained to the contrary notwithstanding. In the evenl of any breach of any covenant, condition, or agreeme,nt of said Note, or of this Mortgage, it shall bc lawful for Mortgagee to enter upon all and singular the land, buildings, and other rights, corporeal and incor- poreal, grt\\1tcd by thlS Mortgage, and to take possession of the same, and of the fix.tures and equipment therein, and to have, hold, manage, lease to any.person or persons, use and operate the same in such parcels and on such lerrm and for such periods of time as Mortgagec may deem proper in it:; sole discrction, Mortgagor agreeing that he shall and will, whenever requested by Mortfagee so to do, assign, translCr, and deliver unto Mortgagee any Icase or sublease; and to collect and receive al rents, issues, and profits of said mortgaged premises and every part. thereof; for aU of which said Note shall be a sufficient warrant whether or not such lease or sublease has been assigned; and to make from time to time all reasonable alterations, renovations, repairs, and replacements thereto. After deducting the cost of such alterations, renovations, repairs, replacements, and the expenses incident to taking and retaining possession oft.hc mortgaged property, the management and operation lhereof, and to keep- ing the same properly insured, to apply any residue of such rents, issues, and profits to the payment of (a) all ground rents, taxes, charges, claims, assessments, sewer and water rents, and any other liens that may be prior In lien or payment to the debt secured by this Mortgage, with interest thereon, (b) premiums for said insurance, wiili interest thereon, (c). th7 interest and principal due and secured by this Mortgage with all costs and attorney's fees; in such order or pnonty as Mortgagee may determine, any statute, law, custom, or use to the 1-ontrary notwilhst1mding. The taking of possession of the mortgaged premises by Mortgag~, as h~rein proviJied, shall no.t. relieve an. y default by Mortgagor, or prevent the enforcement of any of t.he remedies prOVided by Said Note or thiS Mortgage. The remedies provided by said Note and this Morlgage or any other indebtedness therein provided or secured by thIS Mort~age, and for the performance of the covenants, conditions, and agreements of said Note or this Mortgage are cumulatIve and concurrent, and may be pursued singly, or successively, or together at the sole discretion of Mortgagee, and may be exercised a<; otien as occasion therefor shall occur. ' PROVIDED, that in .case defaul.t shall be l)l~dc in th~ pay~ent of any in~talhncnl of prindpal and interest, or any other payment hereinabove or 10 the condltlOns of smd recited Note proVIded for, or in the keeping and perfor- mance by the Mortgagor of any covenant or agreement contained therein or in this Mortgag.e to be by said Mortgagor kept and performe.d, III the. manner and at the time specified for the performance thereof, sHch default will entitle Martgage:c forthWIth to brmg and sue out an Action of Mortgage Foreclosure upon this Indenture of Mortgage or to InstItute any other appropriate action or proceeding to foreclose a mortgage, and to proceed th~Jeon to-J4dg~ ment and execution, for recovery of said principal debt or sums and all interest thereon and all ot.h..~SffiUlr~Si~"rel:}Y . . . . . . . . . . . . . . . . . . . . t::"-'-1}-.'j~': "J\ \lTIlE MORTGAGOR COVl!:NANTS AND AGREES THAT SI.iOULD THIS HORTGI\GP.. '0.~"""'-TH~;NO'~E sr~C1JRI~I.1 llr:;IU~BI{ NOT Bl~ ELT.GIBLE FUR CtJ.!\.RANTY OR [NSURANCE UN[)r<;R~\THE , S~~RV1Cr;:MgN S READJU3TMeNT ACT WITfllN 90 DAYS FROH THE. DATE: HI~REb;i.... (~ArEN ST^TEMENT UF ANY OFFICER OR AUTHORIZED AGENT OF THE VETERANS - AIJMINlS'rRA'fLON OECI.INING TU GUARANTEE OR iNSURE SALI) N{)T& ANi)',OR 'THIS Ml)RTGA(~K H~[NG DEEME!) CONCLUSIVE ~ROOF OF SUCH INELiGl8ILITY), T~E PRESI~NT 11uLDEl{ UF THE NOTr~ SI~CURED HEREBY OR ANY S\1BSEOUE-N-'f';"'l'i'~-;-:>jJI3'''H''l.l,"".!jH''.tflOOOF MAY I AT ]'[S ()!"rlON, DECLARI~ AI.L NOTES S!~CURED HEREBY 1I1H.ElJlATF:L,y llU.F;',;' ^1~O PAYABLl~.~' 'e'it..! Hi'; ",", ',~.', '\~~""",...,,,.-"""""'- ~'~r '~'!~. ~,,~~.'"' ,,' ",VMP 4' I::ts ~~W,J SHll'ijl1q '. .,.:',:;"'00848345 secured, wgcthcr with an aHo~ley'S commission for collection, as aforesaid. and costs and expeA~~'of such pro- ceeding. and to pursue any and all other appropriate or equitable remedies i.n suc.h cases ,provid~4A.o/lthout further stay of execution or other process, any law, usage, or custom to toe contrary notwlthslandlOg. Mortgagor expressly wa,jyes and relinquishes aU benefit that may accrue by virtue of any and every law made or to be made exempting Ihe mortgaged premises or any other premises or 1?roperty whatever, real or personal, from attachment, levy, or .sale under execution, or any part of (he proceeds n.fls~ng from arty sale thereof, and a.ll benefit of any slay of execu- tion, or any part of the proceeds arising from any sale thereof. and aU benefit of any stay of execution or other process. Mortgagor hereby waives and relinquishes unto and in favor of the Mortgagee, all benefit under all laws noW in effecl or hereafter passed to relieve the Mortgagor in any mallner from the obligations assumed in the Note for Which this Indenture IS security. . . BUT PROVIDED ALWAYS, nevertheless, that if said Mortgagor shaH payor cause to be paid unto the said Mortgagee, tbe aforesaid debt secured by this M011gage, when and in the manner hereinbefore mentioned and ap~inted for payment of the same, together With interest and all other sums hereby secured, then and from thenceforth, this lndcnture. and the esUlte hereby granted, as well as said recited Note, shall cease, determine. and become void, anytbing hereinbefore or in said Note <.:ontained to the contrary notwithstanding. If this Mortgage is executed by more than one person as Mortgagor, the liability of each shall be joint and SeVCf'dJ. The covena.nts, conditions, and provisionfl contained in said Note, or in Ihis Mortgage, shall bind, and the benefits and advantages thereof shalllnurc to, the respective heirs, executors, administrators. successors, vendees, and assigns of the parties hereto or thereto; and whenever used in said Note or in this Mortgage, the singular number shall include the plural, the plural tbe singular, the use of any gender shall be applicable to all genders, and the term "Mortgagee' sball include any payee ofthe indebtedness represented by said Note, or secured by this Mortgage. or any irllnslcrec thereof, whether by operalion of law or otherwise. IN WITNESS WHEREOF, Mongagor hereullto sets his hand and seal. Dated the d~y and year first hereinabove wrrUcn. SinNED. SEALED AN}) DEl.lVERED IN THE PRESENCE OF: c' " /T"f'( c.\/.. . (Pi''"' \t.> '\ '\J ~c-~~/~LJ- . (J e tel)" (\,~~/ ....WE~JLif~fJR.-)"& .. (SEAL) .. fo"').'.tJYd'dl r .. .iL, /r. ,((,."":.. (SEAL) 1".,,/' ,/ LLNDA LF.:J<; WELLS . (SEAL) .... (SEAL) CERTIFICATE OF RESiDENCE I, correcl "ddre,s'I'Jtl\he'i,\lRl;1fi~'h&r!\~tI'Mortg"gce is \'Ic'!! , do hereby certi fy that the :?,t_\Ir-, \ il'\',",-I'.\,-,"i- ~,:>>..(-,....t"+ ("_':;v,p \"\-..:1\ \'!\-- _. u.. ,/ ", , Witness my hnnd this ?)f~:,l;.~'.l-. . 19 . NOVE.MBER 9 ;\~PT1''''. . ,,' lei. ./),.ooL;"'.J.. . .. A~Mr n ~ "rr!l"!I'~e dnyof COUNTY or C'"di,,...iJ....-\;.ry i. COMMONWEALTH OF FENNSYLVANIA , A.D., 19 , before me,:- lig~S:'l\~EJ&ove-named 92 ,I!;,~; ::~\~l~' '1_" ,_ JOHN J WEL...".S.'. :'."".,~~\;~\<1.l).iJ;~.N"A Lf".Ji, U~ I.LB MA_R R j~Rlil 1- ':'#V4[J' ,'1:' \ .-...... '''''''W"' and acKnoWloogcd toe wltrr;n ~n enlure of Mortgage to be act and deed(:$~.' .'?~. ~p,~el~iW;f(' ta be recorded as such. Tt-lE LR {l~-"jl' ,"~~/,'~-~"Yf'~~;'0~""~""",(. WITNESS my hand and seal, the day and year aforesaid: ,'i~\;,~;'~J 0'~~~~;~~:~'i~i~,~;_, ,-~ '/I. .\f.J:. ':~":r')li'<I..\..,":!.:,., 1,-' ~. /J J. 1~,."'~)",~\, ,,'(,i~,* j'~t~f",~,~..t'~::: ....\~>n\r~ ~~ --("'C'-ll.1~""'" ,.' ~i.,.i;""'l."",'!l:.~, . ./. "'" . -... "'~~:,('I~,JI:.-,'~'~' F1.>j.'1-'.(~i" '.:,.~ My ~""'.n;<O'''~ ~ f ,-' ~!1:,,"il'j"~i-1J'l...,..: \~,Y'~','\'l NolarialS€'.a\ ...... '_J:'~'" "I ,"-';re,,~.- ".,,\,;,:~ Bo1inIFlJoSC!:Ilover,t Public ~ ~ 'U . .~ .. . ..' Hampden1\\'P.,C\.lInbe f'(1Coonty <.) -t:: !;lO '- . ... My Commlsslon&f'b'l'!s 25,1993 ;:>., .... ~ S; : ~ ii.S t:: "" <) Mtlmbor. PGnnsYMlrlla ation ol Notaries . ~ . -S : ~ '" On this >!)OH::i- ::t:: ~ ~ "" Z i>J ,.c ~""::; ZO;'- o '" ~ "Z C:; ~ '" {>J o ~ u OJ '" ~ :.E c.? ~ o ;,E '" co ." u '" :> "-0i:>7,'l"f,~i~_j. . ~-~ day of ., " Z H '" " z ., co . (<l "'H 1-JiY. cd -., co", .' ", . '" "co '" .",. ..., ", " z OJ", ':Jr,) ~ ., f ss ,n <C " o rT~ !-o E-< '" " <. I ~ '" '" '" ~ ~ " ~ '- "" Nb~ "'~ ~ 6 c:;U ..". ~'8 ~ ~-.: ~'" c l:,: IS, ~cd?' "" 1,.1.'"'> '"E cQ"'- 8 ~.~-",. -~ . ~~"~~':I.~' b-:;(..~ 7..t:Y.D::I ., ", H '" '" E-< H Z "' " z <OJ '" l>Z I-l~ ~~ 0'" ~ o .~ ....:l 'z t.:J7: __Ib.l '"~ "' r-' 'l.l ,:I~ r.J 0..1 O...J [f) ...~ tiC) H H :E:.,1.,....1 1.:1 0 ~ t:'6 ~:> ~ l"t, r'~ 'J ~ :s " z <C u.. ~ o r.r--1 X '" ~~; -<ZU t.tl:<(~ ":30 z,;:....>- OVll- ':::;7-'z ,'~Z::3 OWo u"-u I; ~~ ~.., -=-<" . ,~"", '0> c~ , '- ~ ~ ~ ~ ~ ti..g, "" . " '- ~ ~ .J:.: ~\ f'] - ~ ~ ;:.., ]-a . - ~.;~1.~:~.:.. ".ts, . . 0 ]. ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Borough of Carlisle in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: IlEGINNING at a point on the.,northern right-of-way line of Northfield Drive at the dividing line between Lots Nos. 28 and 29 on the hereinafter mentioned subdivision plan; thence along said dividing line North 02. degreez 43 minutes 32 seconds East 1.10.65 feet to an iron pin;, thence along other lands of Albert E. Slusser and Joanne L. Slusser, his wife, and along the center line of a certain 20 foot wide storm Sewer easement as shown on the hereinafter mentioned subdivision plan South 37 degrees 40 minutes 43 seconds East 37.98 feet to an iron pin; thence continuing along same North 89 degrees 28 minutes 37 seconds East 18e50 feet to an iron pin; thence along the dividing line between Lots Nos. 29 and 30 and through the center of a partition wall dividing the house situate on Lot No. 29 on said plan known and numbered as 1002 Northfield Drive and the house situate on Lot No. 29 on said plan known and numbered as 1004 Northfield Drive, and beyond, South 07 degrees 52 minutes 36 seconds West 85.49 feet to an iron pin on the northern right-of-way line of Northfield Drive; thence along said ~ight-of-way line by a curve to the left with a radius of 761.86 feet 35.49 feet to a point, the place of BEGINNING. aEING Lot No. 29 of the final subdivision plan number 1 for Northfield prepared by Stephen G. Fisher, R.S. dated July 15, 1983, and recorded in Cumberland County Plan Book 45, Page 16. \". \,i'l - .!\~.,. ,1\\") S5 d 5 d' \n 01 Dry",l. ""cor IT "ill ',:,,-,.',,:\nrth<ar,,, a . ,.,1 ;,r\.tmd Gounw~./J ,,.--- f"d\Q"~ \l\)~ \(-,\.-- J-ficflQt [-'."1 , ~I6oM-R1\i,)tVI\"-~,~-"J...>-- " '?f;;;'~i;2' '--_:..'.-- u![)'" 1. _'/},'J- f '.~t [ 5,11 ;:~~W~!!_ ._J ". ~ " ,c,~,: J .. ,~- -,' ,~ - ~~ - ~~~~ H~ "'~> VA ASSUMPTION RIDER THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE 'VETERANS ADMINISTRATION OR ITS AUTHORIZED AGENT. ~'HIS RIDER to the Securitv Instrument is made this 30TH day of NOVEMBER ' ~ 19 92 , and is incotpJrated into and shall be deerred to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of' the same date, given by the undersigned (the "Borrc:Mer").to secure Borrower's Note to BANK UNITED OF TEXAS FSB (the IjLender") of the same date and. covering the Property described in the Security Instrument to which this Rider is attached. The Security Instrument to which this Rider is attached shall be arrended by adding thereto the follCMing described paragraphs: llThis loan is inrnediately due and payable upon transfer of the property securing such loan to any transferee, unless the acceptability of the, assuroption of the loan is established pursuant to section 1817A of Chapter 37, Title 38, 'United States ('me. A fee equal to one-half of 1 percent of the balance of this loan as of the date of transfer of the property shall be payable at the time. of transfer to the loan holder or, its authorized t1gent, as trustee for the Administrator of Veterans Affairs. If the assurrer fails to pay this fee at the time of transfer, the fee shall constitute an additional debt to that already secured by this instn:rrrent, shall bear interest at the rate herelll provided, and., at the option of the payee of the indebtedness hereby secured or any tranferee thereof, shall be inmediately due and payable,. This fee is autanatically waived if the assume:r is ,>xempt under the provisions of 38 U.S.C. 1829 (b) . Upon application for approval to allOW' assumption of this :Loan, a processing fee may be charged. by the loan holder or its authorized agent for determining the creditworthiness of the aSSUf'lEr arid Subsequently revising the holder's ownership records when an approved transfer is canplete:1. The amount of this charge shall not exceed the maximum established by the Veterans Administration for a loan to which Section l817A of Chapter 37, ~itle 38, United States Code applies. If this' obligation is asstm\ed, then the asst.nner hereby 8grees to assume all of the obligations of the veteran under the terns of the instruments creating, and securing the loan, inlcuding the obligation of the veteran to i.ndemnify the Veterans 1Idninistration to the extent of any claim" payment arising fran the guaranty or insurance of the indebtedness created by this inst.nment. " BY SIGNING BED::H1, Borrower accepts and agrees to the tel""TIlS and provi$ions contained in this Rider to the Security Instrument. ( i \10 ,JOHN 1..1 1/ I ( 1(, j. Hi~LLS I J R , .,.J , I/~./ if /1./'" :CJ// LINDA LEE'WEUS I .II /1..//,(({:1' VIA ASSUMPTION RIDER CMCA, r~ 78305 13/88) i",;iHlfJ;; 1,\11 " ~r ,l'hl ;)"!(~>r~ ,. ,~"~ ..,. ~. 11'"' - -~ , ~, O~.~~~" "'""~ ",' ;~k-!- ,~ "" , - ~, ~ - -'..-' Exhibit "B" ,-., ,-~ ' ~~ .~ ~ -"7 '. / , . ~H1\ ;rJ-TL~; ",SECRETll.RY',j VETERll.NS !l.FF!l.IRS SH!l.LL 1.'. ' 'h;I'I..mM!r:."n'ITR!l.TOR OF VETERll.NS AFFAIRS Ell.CH TIME THAI . . ~~~NT PURSUANT TO THE PROVISIONS OF SECTION 2, ~~OEPART~ENT OF VETERll.NS ll.FFll.IRS ll.CT. 'tJ1 V^~~rm 16-6)l6u (Home IJ\llnl ~~~ '<I March horn u~ Of' lr \<~l" Secu<ln iRIO TItle 38 Ilsc Acceptable j(J Federal Na- <'::::~''^'''''''''''" MORTGAGE NOTE 0084HJ4,) SUBSTITUTED FOR THAT OF IT ll.PPEARS IN THIS PUB. L. NO. 100 527, THE PENNSYLVANIA CAMP HILL , Pennsy~vania. $ ******83,936.00 NOVEMBER 30 19 92 JOHN J. WELLS, JR. AND LINDll. LE~ WELLS FOR VALUE ReCEIVED. the undersigned, 1i' _ , , MARRIED UUR:u:r,} H,SirP .,.,R'"1>!\.'N UNITED OF TEXll.S FSB ,"' ~. )~&rr atron organized and existing under the Jaws of the UN I TED STATES '" '-Elrde hereinafter designated as the Payee, the principal sum of EIGHTY THREE THOUSA6ND 1'\ NINE HUNDRED THIRTY SIX AND 00'.100 Dollars ($ ****B3,93 .00 ) with intere from date at the rate of EIGHT AND 00000 :100000 p~r centum B . 000 %) per annum on the unpaid balance until paid, The said principal and interest shall be payable at tne office of BANK UNITED OF TEXAS FSB , hereinafter caned the Maker, promises to pay to in HOUSTON. TEXAS 77027 at 3200 SOUTHWEST FREEWll.Y, 112000 or such place as the holder may designate in writ.ing in monthly installments of SIX IlUNlJREU FIFTEEN AND 90.,100 Dollars ($ **'~~~**~~615.90),commencingonthefirstdayof JANUARY ,19 93 ,andonthefrrstday of ench month thereafter until the principal and interest are fully paid, except that t.he final payment of the en!ire indebtedness evidenced hereby, if not sOOl1er paid, shaH be due and payable on the first day of DECEMBE R, 2022. Privilege is reserved to prepay at any time, without premium or fee, the entire indebtedness or any part thereof Iltlt less titan lhe amount of one installment, or One Hundred Dollars ($100.00), whichever is less, Prepayment in full shall be credited on the date received. Partial prepayment, other than on an installment due date, need not be credited until the next following installment due date or thirty days after such prepayment, whichever is earlier. Simultaneously with the execution of this Note the Maker has executed and delivered to the Payee a Mortgage secured upon certain premises situated in the County of CUMBE RLAND , Commonwealth of Pennsylvania, more particularly described in the Mortgage. All of the terms, covenants, provisions, conditions, stipulations <Inti agreements contained in said MOltgage to be kept and performed by the Maker are hereby made a part of this Note to the same extent and wHh the same force and effect as if they were fully set forth berein, 1111d the Maker covenants and agrees to perform the same, or calise the sanw to be kept and performed, strictly if I accordance with the terms and provisions thereof. The whole of the principal sum or any pal1 thereof, and of any other sums of money secured by the Mortgage given to secure this Note, shall, forthwith, at the option of the Payee or any subsequent holder thercof, become due and payable immediately, without notice or demand, if default be made in any payment under this Note, and if the dcf[lul1 is not made good prior t.o the due date or the next such installmentj or upon the happening of any default. which, by the terms of the Mortgage given 19_ secure this Note, shall entitle the Payee, or any subsequent holder hereof, to declare the same, or any part thereof, to be due and payable. The Maker does hereby empower any attorney of any court of record within the United States or elsewhere t(~ appear for Maker, with or without a declaration filed, and confess judgment or judgments against said Maker ill favor oftbe Payee or any subsequent holder hereof. as of any term, for the entire, unpaid principal of this Note, and <111 other sums paid by the holder hereof to or on bebalf of the Maker pursuant to the terms of this Note or said Mortgnge, and all arrearages of interest' thereon, together with costs of suit, attorney's commjssiOll of S. 0000 % for collection, and a release of all errors, on which judgment execution or executions may if;sue forthwith, The Maker hereby waives the right of inquisition on all property levi_cd upon to collect the indebtedness evidenced hereby and does voluntarily condemn the same and authorizes the Prothonotary to enter such condemna- tion, and waives and releases all laws, now in force or hereafter enacted, relating to exemption, appraisement or Stay of execution. The agreements herein contained shall bind, and tne benefits and advantages shall inure to, the respective suc- Cessors and assigns of the parties hereto. Wherever used, the singular number shall include the plural, the plural thc singular, and the use of any gender shall be applicable to all genders. IN WITNESS WHEREOF, the Maker has caused these presents to be executed under seal the day and year first above written. ~igned, Sealed and Delivered ,,~"""n\\\~' \'i~ In the Presence of: ." ,,~i, \. ~;~l\ \\;J~, ','r";;~~"\ (SEAL) .r\"\\\~\'" t 1~~ "\', ,\\ ~, .~ ~ ''C'' '<'" :',\,'!\t'\v .," ~<"l~!t1~; ~~,\ I:: ~ ~"t\\ \\,\\,',,}~'. t":"~"~1\',~10'~ ;."t" ,'c' : ~ ~" \~ ~',r!..\ "," ,~,'j\'" (\\'/~\Y'.!i,,' .'.....r..... ;,,';,:',;'.',~, \.;\hi,\:0, '+,} :~:.~\;,,'i, "(icJ L". I))., (SEAL) , ' \\', " , "tv ,i..\:,:>,' ',\I,' oj. , 'J..{j''''',' J\jL\..<tT"'. ".!..'J:f,'''(Z",/; _1.. J (SEAL) I;. 1;' ~),'~'; r:~i \\\,,\ t,ly;~,1'r "~,_.:/ .i \",":" ,.,' '"",,,,,,.# (SEAL) THIS Is To CERTIFY lh' On real estale situate in !J'N.' CSCJ.:ihprl in !l~d secured by Mortgage of even date herewith secured C BERLM~ISe" C t C -] h f P'~ "I ' BonnreJo Sealove;. Notarypubl"lO oun y, ommonwea t 0 .ennsy vama. _.~~~~r;~'E~~~~nr~~._.~.. ,~l~:t:ll)_~_~)~_.~'::~~r.:',f:~;~_ ...\.._. 'T'!!I~~~-, ." ,T,} "I I ! ,~ " -r-' "~~ " . -~~~=~ r ""~"~ "" ~~- WIIHOur RECOURse~ MARGAR _ 14YTo THE ORDER Cl": Sy. lTa>OF~~~ANY. INC. ASST. VIce PRESIO BAR8ARA ROBERTS T DEe I D 199a ..r;. WITHOUT ~ECOURSE PAY TO THE ORDER OF: PAY WITHOUT RECOURSE TO THE t)RDER OF ,,/ -?j ,/;' \// ----------rO:';--.-----:-L "___ ".tl!il1i<~~,cii:-F~~ti'--''"'--<L-''- <e;,:_' -~:::lf._,~_!_~l,: _. _ 0.l_4_, __,_~_ .."_,,, '-1'-. . ... -.to' i ,~ , " --. ,...._. .' "t~{'rti:~ )~_4A", 'T _ ,. "II "'~!1!~~,,~'JI!II'lI; . . -, - ," "--'1' 1-'. Exhibit "c" - 1"-'- , , ,~- , ~!~="". ,"' c- !il p"", , -.\ _'J I" }. ....... \ . <:W:"" ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Borough of Carlisle in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEGINNING at a point on ~p~,northern right-of-way line of Northfield Drive at the dividing line between Lots Nos. 28 and 29 on the hereinafter mentioned subdivisinn plani thence along said dividing line North 02 degrees 43 minutes 32 seconds East 110,65 feet to an iron pin; thence along other lands of Albert E. Slusser and Joanne L. Slusser, his wife, and along the center line of a certain 20 foot wide storm sewer easement as shown on the hereinafter mentioned subdivision plan South 37 degrees 40 minutes 43 seconds East 37.98 feet to an iron pin; thence continuing along same North 89 degrees 28 minutes 37 seconds East 18.50 feet to an iron pin; thence along the dividing line between Lots Nos. 29 and 30 and through the center of a par~itiom wall dividing the house- situate on Lot No. 29 on said plan known and numbered as 1002 Northfield Drive and the house situate on Lot No. 29 on said plan known and numbered as 1004 Northfield Drive, and beyond, South 07 degrees 52 minutes 36 seconds West 85.49 feet to an iron pin on the northern right-of-way line of Northfield Drive; thence along said right-of-way line by a curve to the left with a radius of 761.86 feet 35.49 feet to a point, the place of BEGINNING. BEING Lot No. 29 of the final subdivision plan number 1 for Northfield prepared by Stephen G. Fisher, R.S. dated July 15, 1983, and recorded in Cumberland County Plan Book 45, Page 16. BOOK 450 PACE 922 1io< 'f';1~;5) .. < ',", 01 P.~n;....f'ylvoni8 } "'11:/ of Cwnborland SS ~, \:, -IIi) tl1~ affic..... for t~ r~cordjng of Deftl.is II1. ^;;, .-J !",,c).!fJ::t"',..:j. Counly.~l!" I i~~l ~....k'=L.'2...LA.tct _ Page:t'ci.O '.I"Yt~""oJ""\d:!"II~~ic. "'''~, '''if''''''~;",,~ 199.3 ocor r ';',~~~ ,'"' ." '."'C" ." W)'} ,~ ~ r-- ''iiW~nH;IL_" , ~- --- ,p ,.,,- Exhibit "D" -'.-'1 "'~ . ~ "_~O 1 ~' 00 .. ~3 =-=- ,:t;"'l :;: ~ ~ . ~~ OU ~~ .:: ; "g &i:. ,0..2;-< ~ Z ;.0: ~~~ t;;~3~~~g ~ ~~ ug "'\; ~ =' Z:J . - . < ~~<ti.Ju " " 0 E~~ t;U "''''~ '"< ~e3 '" ","~"'<ill 0 .... " ,.. Q,~- ~"!1 ill.." c:=: >-" "" U " e a ~ .. <1)" :1:::1 Z .l d. "~v""" '" < '" . 0 ~ "'" < s;>o,!! ~~<~~~;;j U ~" ,.. :!'r-1 '" " <:: ..c p~~rncab=- Z u~ "", :;: a:; 11).-= 0:: ~ . = . ~=--S;;;- 0< =0 ";' ~ .. I;l".= ~ <:1:~V<:1:9 '" u:;: z< '" ~i5 . ~ 0 ~oz~~~t: '" ~E-g = = '" ,.. 55 ~-..= E-oZo"lC'Sr-1< . . if' '" 0': '" U --= =)000 ~~r" > . ~ " " " ~ .9'~ O!7.lur;jf=l~~ 'i: ,.. '"" .. '- ~...u~;;j..~ ,,~ . < ~~ ..'" '" '" ~. . . = " =u 0 .-. ""- ~ ~~. ~ {l)s:c~2l< -~ ] .= g f.;~ < " = . <<;It....''' " .~ . '- == 1II = ~; . ~:;: ~~ u ~ ~I.) v.H/:l.c( ~ '. e ~ '" ,g~~ ~ pPfoo!~OO~U . 1:'- :::: ~ < <~ is ~ -=",~..s rn"'< r:.:l(;;;1p :l M . . :jo "',.. . ~~ ~ z-.. .. . a e 1:1 "iS~rgil~'" :; . . (; ",.l - - . .. .. ~;. o~u z . ~. "" 'II!'= ~ u~ -"'~ ",0 E5~ " "" = ~ . ~ = . z "'~ Ol~ ' 0 \l)o<~=--,o< :3 '" = '" = = h ~~ '" -'" ..~" .~;; ~u ~ '" '" '" >..,.. < ~~~ o z::$< " OO:;!il !lo :;a "'~~~19g<1) ;; c:=: 0:" 0:,..", :;.5 ; '" ,,~ ~u~ ~u < ; 1 ; ~>-"'>~' ~ " :;: :;~ u ~~ ~:r:.:l .. 1: = . "'e10,,<oS I ;: '" ..0 ~ . . ~ -< Z,.ooco~ < '" ~u~ ,,;. 0.' . " ~ '" e u.- z~S~'" '-u .;; .. "'''' i::~" ~~ ._~ ~ ~ ~...~<~~ ~ ;; ~ '" 190 ~td2 " . "" - z "... 00 0 .= l:: ~ z"'u~o:J~o z .. '.. ~ ::su >~o '"'" '" .eu~ 8~~ u u~ '" " g ~ " 0 ..ill ..:l~~ f:l~ i:I 6 .. = :;:u~~z~;;j ~ '" z . . . < .. :J '" "0 ~..t:; . a = u<Ol';~;l'~ z '" '" .l :E "'.. . = - ~OZli;s'i ;is!'/) U .l ;. O"z -..='" I,l ~ !2 !1 0 u<~ . = = ~=:<"~gOl~ :;: < zOc ~ = ~cc . u . OU~"'l'J~~~ ~ .. Z ~ ot;~ .- III 0,1 z:;a..", "0" g c ~.. ~~ < " ;'0" ,..~ <r-1:r-1:rn ~~f=l 0 0 0 e::;:~ ...:!QQf<:lZf=l:l.,lX: =: .. .l 0 U '" N N ~ o ~ >~ ~;;3o~ UO~~ ,....., ~~ ~~~CZl OZ~O ZOO~ O::~~U ~U~~ U<C~O <Ct20~ <C>< ~ o '" ~ il ~ a Z ;; o -' :; o N '" >- 02 "'o~ -'0- -,-,0 "'f'lC: "~< '" .. ",,,'" ...:10;;3 <z::1 O~" 20., ::l3u ~ B 00 8 " . . o -" ,.. '" 5 ::> ., "t;~f",>!;;l'lffl~_,J '.,- .-.,11' ""', - -~ ,', ""]f- o .; ~ . .a ~ = ~-g .- ~ ~ ~ ..= . . J!j .~ " . '0:; ;;~ .....;: := ~ ~.~ -~ .= :; .~ .s: . . ~:; .=:.:: -. = _0 ~ -~ s~ . = ~~ ~~ .~ . . eg . = 0;9 ; j~ ~ a B . ~.; = .- :ss . . s. ~ .'" o . = . .lQ.s . . := ~ ....g oS . :is . . ~ ~ ~ .'" . .. . ~ ~ ~ ~ ~~ i3 . ~~ '- ~ tj] ~ ~ ,.. B 00<:: ~ . ~z < .~ r-1:~ C < " c. ~] o . :;: s '" . = 1; " . ~B 0" ~~ g . ~ ,.. c = :s . ...~ ~.~ Z. ::J.S:\ 0'0 Uz E::'! "" .. . ,," u';: " . . "l". ;;; u . ;;:;l~< ~o-= oz:= u"" ....=~ .....E-ig l:I:l~u E:::OOl ~lOil; ,.."'~ ~<;:: ~Cl~ :;:.. . t;~a :: ~ - .0' = '" . .;. . <~ ,," ~~ e~ ~,.. :;(~ ~~ ",t:; tiS .c ~-< ~-, . . . .. . . .'= 'E = lII;:: E ;'5 ;S .~ :::'is III e ~ -< . . . " . . ~g~ ==._ t--. =i<:7\ 8=8 ;:: !',jl 'O-=~ 2:== n." ~>'" ~ = ' Ill.=:.... e :::-= ; 0 l:: = ~ . .~~ u .= 'Q~$ " 0 ~z . E.!!l 01 ;;<<:7\ ~";~i,g 0"0 C'\l o-l ,.I:l :: :: ~ -':llll~~ .~ C'l .... = r-- '" -c;J ';; ~ . "" . I:OI~_ :gj 0:: 5 : e'~ ~ e O'#.e; <l 2 = jg.S! 01 ::I -= ; ,.I:l 0 1II 01 E-iU~-= ~ ,,~ ~ ~~ ", " -~ ,. Y~:if, "'.", ~~ .4S is 0" " !:t:;-5 .- Q >-. ....@ .D ~ ~~ ~ 11 g o ;j ,::: '", ~.", Q 'g a 11.9 ~.E~8 OU...... 0..... ",'20" S ~ 15 g: "'- , 13 ,5 ~ g "'''0 .... iU'gsgc ~ e>- 0 ;E 0. a3 S '-' ou >:~ >-. ~' 0 (!) .'E rg.g"O "'-..d~ ~~'i::;:; .a..,s..so fi g il G' 5 ~ '" ij <"s5~ ~(:: ~ B & E,~ ~ .... ... ;:! 5 ~ gf@:u.. ~'g jB ~ .~ 0'3'~ ~g.s~ <:<:l'P - (\l .~.@ E'm 2; -a ou.=: >, g. ~ >, @ a -; g (!) 0 0 IU 0... ;;-,.....0. '" Z ." cO E-< Z " '" '" ." '" " ~ C E-< " 0' '" " P 0' '" '" ;; ," ZZC -cE-< Z-t 9!;;;~ ="'" E-<"E-< r-lOh '"..." "'Zz ..-." 0''' c~~ Zoo'" ;;3~~ [;l;,Ut;;:l "'-8 =E-< E-<~~~ >-_~O= ~....u~ ~t:I:l"'-l~ "E-<=", E-<[;l;,<-.Q:l UOOh ~i;iZt; o<9f;;;:l ~i:l.iS..;;! ~e,:lo...:l ;>lz=o ...:I....l'I)U E-<:<", zcz f:ol~< EliS", 8:12 f;;;:l:=O "E-<OO ." .'" p"'OO cuc "'t~ ..p" - 01''" ~::< E-<Z 0'''' Z" 1 = = ~ :< l\ = r . " ~ . 1.' . = ,;; - e ~ c. ~ . " = ~ = . ~ ~ ~ 5 .. = ~ ~ is . > . ~ = . t: c '" ~ 00 ::l " ~ 00 ""I;""': "'u E-<z Z" ~c s~ pz "'." '''is ".. "'c t:z ..,- -'" =p -0' CtO ::l ~;S "Z ,,'" ;::~ c1;i E-<Z "Z r=lt;;:1 "''" p'" 0'= ",E-< ..>- -" c -,::: ~ !S eJ)"O .....:1 o .0 ou :::> g..50 w <( ~Cli:)~ f-<~ <:<:l~gB;>-~o B.g ~uuo~ ""ooO~f-<o ~Z~hOf;l..~ -~.~ -B r:J'1 ex:;:J (-< ,ihS 4-; ~ Ul ~..!.lc:~ <u,,-,o2;~OO ~~gCl~<:E g1U~z~~~uj .....~:eE=:J.l..~~f- ...;-....~f;:l::><oo< ~~ ~~...:!:E;>-o ].E -~ ~ ~ E3 ~ ~ -;::......~r.I.I....... ::J.o.. IU ~ = s= f-< 0 U::J -g.gl ~lI) h 0 ~ 0 ~ :J.._._c.J ZO[-O :~'7S0z~< l';z:;l '-"13 ',c o iilo 0 ~ e ~ 8::J j:Q::r:: E-< ~.;;< c.J ",or-": 0:: oo-=<E!';:I:><Y.lOO 0' ,'''' ::> ",;;: ..J...E; Cl'<oe::~-..."l" u v].", ':::J~=- ~ ~~ ~~o230 o'i:: al 1U<><p.j::>< ~ S]~QUl80~ f;l;.t..... "'cUE-< O;:J ~"Or"lZO oi.!:} < JJ:l -< ~~~kt;CIlo ~~~.~~rn~~ >-~j ~ 5~~a~ (.} 0 ~~Of:-<Y.l l!::....CLI <0:::'7- 0<.2 il.l.s 15 0 <;:::I =--'c:.s1J= f:-< o..j '" -0E-<0I",0. ~ ~1U ;:5~o:r::>:: h~-:s8"'~r..q.!~ '" ",_~'r . r ~, ~ . " .s 0. o , , o >. o o " " o " " > o ~ . " E >. ~ '" 0; "" " o '" e ~ ;:> '" .. " Q " (.') <: (.') !;; 0' ;;: ~ c ;>< '" " ::> u C E-< " 0' := " ~ > .g8r<) t3"Oo -ot]S:: Cl:S'" ~ (5 =-- oz"* ;;:,,'" lUg :a ...!:l-U E-< E-< S '" '" '" Q ~ii f-o", ~~ c" roi]-S ~e E-<15- o zl; [)t:j ~.~ " " " ::: "" ~ 8 is.8 il.l ~-,c 1U..s ;:a'B-5= o ~ "O:a 0 g'fia~.g ~ E-< ~ _5 ~ ~ 0", .... '3 z ~ ~"R 11 ~:g g 13 E ;: "" ] f? g ~ ~:: ~ ".. ~ t:l <8 8 :::: - ~ '" Q) ~ , ~ ;D.~ c: 0 I '='...!::; (.} ""',c ~ ~~ 5] ~ ~'.:;l bll "'::: ~g.g....~'; l'z;l '" OJ.= 0 ~:.sE18~ 6~~ 8~:1 ~ 5'<o.-,:::.!2 ~ .J. il.l 1U1I-B.... [;:;l,=~i3'-:-g rJ.l... '"d , 0 E Z t;: II) Q) "0 ::: ;:> '" E 8 ",0 o ~ t ~ ~ i1 u ,- '" 0 E '" ~;.~8't;l5 () '" ",- ~ ~ ~1I t1 ~ ~~:::. m.;z ~ u gf~..... 'al g ~:.= '-" &j "";> ~ ~.e"O 2"0 :E S.... '<0 t;:-ot ';:I 0 -:S ","E . r.I.Ic.JI-<i:)-gf! Z.-:.8-.o ~'.o o ] (;:5 S ..9 3 Uc.J~g.~S . ro~'" ~ ~ " " ~ ~ ~ iil p "" ;>< .1 '" :J 0' '" '" 00 ~ " o '~ .s :8 " E , .s '" E-< Z '" ~ '" '" ~ ~ 0'" E-<'" t5~ ;;: ~ ;>< . oj ~ ~ " z~ Co ;;: 8 '" . p " f~ b~ ZJ:! "'- ~] 0: " ~.g Co >- 8 g o ~ 0; '" N - " o " , '" '" & 0; '" N >. ;; ~ 0; '" N -' . " ij) 1?f ~ t: '"g ~ -g.gf .u g ~ ... il.l (!) = Cd d ......!:l...... 0 0') <U (.} S <8 :;;;;]~~~--= ~:at:i .... ... ... .... .... '"d eJ) Q., 0 ~],= g ~ 2 = ro ~ 't ~.~ ~ 2 ~ ~ * ~ -;:lo~1UES~o."" =-.::::l is.... 0 ;:l j:; ....._ - 0 QJ - ~ (.}.... u :~B-S"g~.....g~ f;:l ~::E a td 0'6 ".. g. Uz R E .g ,~~ ..12 3 . OlI;:!il.l",Oil.l1';ioi! ~.;:: 9) ~...r-B.g (;j >-.~ ~ ~ ~ ~ ~ '[: zO::3 ;:.:. il.l8 1Zl::::l ~._;::::; I:: s: (.} r.I.ItS.td~t+::O'~>-'5~ -< '0 ~ t:j.~-:S ~ eJ) i;l r;;;'l ~.~ -a ;:l.!:!. ~ :;:: < *fi e" .e. ,c.o So..'"' ~ ~ B <~il.li5;:!o..-ga~b CI.g~sg,<IU~ag Eo-< 0 - t;:; ~ IU ~.9 'R ~:Z::l~ga-5Oh>L,~ o.~ g,~o Shtil 8 ao~ ~-B~_"" 8'0 A.'o:l4-1 =: a. 0 =-- 2 O!) ;:l 0 ~.- ..--. ~F-< ~ '" -:5 0 '" O"''=; 0:= l-<::C: ..... ~ ~ ~ .s E ~ ra..E:.d ~ -"'-e-'- " ~ "~-E1on'~ ~ ~ ~s .-l~~'~e.(~..g>.n h~o]~ ro~"'b -< v....... (!) fi eJ).~ a ..... u "''<0 ~ ~ =~o.v:S .-l ~ ~ '" _ ~ v g.~ =: ~~B-;'~8~~=:g ~l!::~~-ot~8jg.8~ " :b :. .. " ~ o o ~ '" ~ " " " ~ ~ i5 ~ = . ~ N N ~ !l ~ ~ j " 0' '" " .. p ~ 0' " '" oli.o. c"':ii ~t::>- Q~...l o...:l,-,! E-<00E-< ..,:;ls, -!=:.o:A ~f:l~~ 5~~~ >~~~ f:l~~= "":E-<S", "-1::.:1""'= ~l'I)~~ - "''' :1",ct: cS>-z ,,~~< ="l::.:Il1.l~f-o z~ ea 0'" 00 ;::~~~ <~.o.f=1 8~f:<10 .:~"'c; =..r-.uf-; <o~~ ~el'"c 0';::>-'" >-:<~~ ~c",.. ..,"z (:ro.,,;H~O &;I~~e ~~d8 ;:;tz[;;l,..;J: oo~fJ.. ",,,,..':1 f-o '" '" 0. f-o Z ::> C ;;: '" .1- "'cc f-oo 0'''' E-<.. " -de ~. 's'd :=<r; c~ .'" > >. e~ .'" B~ .::,~ .8:0 " . .;;; ~ ~ QJ <1).9 '" . " .&J'E , 0 o >. 8 ," >.~ """ 5:~ ,,- , " " . 8.. .- , " <8-0 .;j '3 ,Sg " " - '" {J'" :::: il.l ~E '" >. ,~ '''' z ~ 03 ~~ f-o " u:.a: '" " ;><:: ~~ "i? ':1F: o"1"'!illr =,~" ~ ;J ~ . " . t':!_ =-= " " '" " -5::e-]~ 3: -B 0 a . >- . " " "1- ~ . ~ .5 " .2 . . (d'" ~ v 0 o . " ~ . . ~ '" "" [;J'.g 5 ;;.,.::; ~ . . . . tj.e-vet':! "'-., ~~.s .", -~ ~ ~ g ~ .00 'll . ~~-o !-.OU'ttl ... 1aS",:: " =-= ::I a o~ .- . v'~!b = v ~.a '" =:.,sl$ ~ 0 .M 0...... ~ 8 ~ 0 ->- ...... 1.0 ~.:=: ~ ~ 8.S .s~ ~"'~ ~ S::t5 s 0. en 0.. o " " . . ';;l c:l V ~ '0 "" ::I.~ c:g .9 '" . ] II fl "'.~ &: 0 . ~~~ " . 'i:~oB . 0 1d::2<<e~ ~ a E.~ 0:;: .-, >..~ .gg~e~ ~.~ g ><I~" ~ "0 <> ,5 Q, "" is:~::I.s <> . ,," . . v ~ _ r,) ., ~ go] " 5 .~ 13 B B d . "I 0 0 ... @Oil u 0 "7~g]~ " 00 o " ~.2!l8-d . 0 ~ ,~ 00 ,u ~ ~~]]B E' <> c:lO~~ .; . " ::; Cd ~ ~ Ii 5 8 ~.!:3 ~5':;~ 0 " e~ ~.~ t:::'s :;; ~ . I" ." ~~ .~u~s~ 0 . :g'~ E ;. -5::: '" . .. >; . '" . ~ e.g ~ 8 . 0 '0 :5 e ~ 0 'C ]o~ '" Ii . ~ " " ~~.9 It! ::l ~>. v ="1:: ~ v 0 Ill'- . N <> . sc::v...... 5 g,8Z N <> .. g -o.~ .... ~ ~ ~ gf " 0 rn a<l:-5 ~ Oi N '" . .g 5 < :iC7'l4f N N :; ?-< a g ~ ~CJJ:!l ;(.1-0 a3 qJ..... '" ~ 0"- -0 ,,; I =-=1a 0 . . 0 lo~5 " = ~ v r,) '" 0;1 Q 1.00= ~ ~ . '" ~ e a gf;!j'" Z " u",~ 00 '" . "-- BO . 0 ::! " I;Iil v c<;l v ~,g]v .>- tlljoo::l '" "'0. 0 ~ Q, "05 " . t:::Z~~ ... . ;;~c <> ,. o. ~ is: ",fl. ~.s '" 00 .... l"/.l!5.<a >. ~ 8:aO~ . '" Eo-; ll.l ~<<e 3 ~ 00 v..... . >. l-< is {/,l]~~ 0: ~ ~ . " 1;I;l.s'S~S.g c ;; ~ ~~ ~ 01-5'5 "" . c ~ ~'5 '* :;; ". ...;!4-Iv", Q} '" . 0 :9 0..... V:::l- U 5 .. c ~ ~.t:{!~ 01) Ill...c 0 v < 5 . O..d v rn-a"O->-;s . ~e"'", o l-< 01)'- !;; ... . .. .. zOEg. rnCI:I~e ~ ~I z e ~ rn~.B~ ~ ~ ;9 <t .~ .9 0 0 = 0 o ~ ~ e . . z = ~;::;...o F:.E ~ ~ Eo-;'- E!.D is: '0 U e .a . .. o o~ ~ 00 ~ E::I ::d9 0 " ~ d.S ~ 0 . '" .. . 0 Eo-; o.Cl:l ~ r-l..d....OOs::: Z < .. 0; u 1-IrJ:l"'....>.B "" u~o.s 0'" " ..Jl:\loS.s~;;.., ~ 1'Iil...... 0.0 ~ ';.3-= ~...c =..... 1:lIl.o 0 ~ ~ ~ 6 rns.;g... r-l~e~]] ~ ~ 8 v co 0 ::l ;S :I: r:r:r 0 0...0 <..eO';:1 ;j~~lf fi~mIT .0' ~ ~, '0 ,_ >: 5 $ < 15'; o L!.1 c;:! a s~~a.. ~ C-~..Jci~ ~oClB~ ""' "'''' ::;E--<<~v :r:r:r:rl'/)CL'g ,,",;o,,!-< >- S .5 z< '-' ..cE-<IJ..lO.:g :':::oo;;S.............. $<>-00 -=Q.,<o.v 1ii f-1 Q.;;>< ~ ~ Z ~.LH""" 0 ~::;.oo::El ~ SO<5:l EI 'r:':.o:::: t-<":& ~<~~ ~ :.;,..J015u ~~2;O-g E:O>--z!E 5Eo-;Z~'5 >-l";l<:::;JO ,t:l:::30..l<: ~1-....:llJ..lg ,..JOA,.;::,-a ;o~-,Q. <>;""3" ~ < 0 ~ .2 ~Q.,f'20..e Q~-u~ ~6EAL1JO :I:~E::3a:1..o Eo-;.9 ::r::::X:: is ,"oUU-B " ~ Eil ~." ~.....::> v U05'" -g ~ ~ ~~~ ~ > ""''''"' ?"t:lz<r:.... Oo~::r:~.. ::e -5..J US.81 o o o 'i' ~E ~ 't.S c>- E g,gz -< "'0- . '0 E i:i~ ">!Uco> g~o~ CC"<tp-O . '" >--"Z1l==:... f:-d~ui.g-o 0:: 1.0 '0.... c: ~ S~'@5J2~ t-<YoE~..... .8 ~ ~ ~ ~ ;; ~.e~ '@~ e ::: '" -.- <I: '"" .=: :E'~~D g " -~ ~'C -8 = 0' c: .g~~~Co ~ ~.;:: d>- ::I ~.t: ;:.~ ~ ~ ~ ~ ~ a?5:; ~ r,) ~ 0 2PE- :i ~.E JJ g.S ~ .g~E;;:€2 ~ ~ ~<5 3; g ~ 1:;:o~.g'i5 ~.;: ~ P., E ~ I ~ z: B .... oj I ":l :::l V 0 ~ ~ ~ 0 <.) c: ~ ...:t-oa"".... ;:;. ~'15..e';;; B -(-=po;::l"" r., -~ v :!:l "0 0 t;;l 01) 0.............. "'-' Q;.9 -S ";; ~ >. '0.... Ul 0. 01) t;;;;IZ~,.QE~ = '" '+:i >'::l e fool..... "" ~ 0..... ,"-BaS." 4-1 v ::I a '" i::J~S~E'= U 1d .23"0 B g Oz""] ~i;~'~ 4-I,Ql!)Oo OO~1U...... f/:l"O:..=ld<ll = >< 0 ~ 1U;;l . 8 ~ ~ .~ ~.~ I. >,-."t:v_oo t::;., 00 _ - '" 1.0 ""'I 0. E.o<E-a ,....., \..".,., E::l ~.t[ 0 :g ~1$ ~ 0.... g S =: <I.l.'" ~ 1l v,D'.;::J .:c~:c.:: ::;",~~g~8~::I :::: ~.~ 0 g s g ~ 3:E::l~~d~~ b.8 0 0 l-< >......Q R~ ::;~~~]] e.,;::o:::lR2'O; 0.2 ~'E P.,g.g';" "2 v ~ 1;.9 0..2 .... ;0 B .~ () ~ ~ g E EP .... (;:I.S G;J "t:l..... !:ig~~~g~-g S >. :::: @.~ x 0;I'i: ]E~tS:::l~S~ to< <t tl <:l 0 ~ e;;.- : ;-- p ~ ~:= -5 < z.g~~ g~:E~ 951,t~::-8~Q S-;;~~~i:;~5f't} c:t -5 ~ [j.~~]'" ~~'~~<:l5~g O......D."" "2 - ~""'l ...;!'t li1 ~'g]';:1::t: U"O"O 0....."'" <llEo-; I;:il 01) c: ... <II >. ~ III c:::: I:lIl Q) B <ll.D 0-= o~~~a;'Eg"';; ~~-E:Z~~t:s ~S~~~gs.i ~<ll<..::;,ov._Q ~=.E:ag.QE!.; < l:l:l >. e 80u <:l.:.! ..; ~o~vQ..8.B~Q) Eo-; iU' g-E til g "0 ~ ~ Q. C' >. ~ ~.s ~..."" .s.S ~;:: v 1l- III ~!E:g.9.~~:g~S I;:il ... 111 "0 ou >. III u.s ::t:" ~..s <ll > IU <ll =- Eo-; CI:I 111'3 ~ ~:: 0 III r=.B8[~1a~::::= , ~. - ." '@ is' , " -B :8 "" ~ ~ " 0. '" ~ ~-5]~ u Q.l -' @ ..0 o d'" 0 V "'0 d ::; <8 .... ttJ t:: ou I:lIl O!:I 0 '" (';! ~]~~2~ ....!:l v ;:J _ ::l "0 5~.8~.s~ >-.- <ll I:\l U <ll ~ ~ 6 gj ~ oS J:B.9-<~..o ~8;:l~~d < 0 G) "0 ';:1',p ~&.E~.~.~ ;(1 <ll'" "'d..... ~ ~ c: ;1 E.::: r.. 0 <:l ,.... r,)"'O i:a U ~ -= ~,~ ~~i~8~ en~ <ll ffi -tl;:; o ;;j -:5 -< 8 (;l !-]i::~"'O~ e:;...... ;J;:..... d d o i1 Q.l O!:I C':l(/.j ~ 0..'-'= a1~ =-<><;;ld~~ Eo-; <I: a.-.'" ~ ~Q.....<'l -- ~ 6''3 g ~ <o't.oP.::: ~>-"Oo~..d Ci ~ 01) "" 01)'-::: I;:ilg;~.g:g~ :=::Cg dIU Eo-;~uS~2 j;;ij..e S::l (\) c: ~.......... 0 .... c: ~.S..d:>-< 01) 8 U::@';::,u.aEl O~.s-a1S~ Eo-;~v~-S;:: ~ <S ~lb ~.B fI.. ~ ..d';:: ... Q '-" ::::l01)<;l t:a.s.tJ $'8 a a " . ' ~ ~ o ~ .$-;:: . 0 "" . - 8 ~ " '" " .'" . " - 0 " . >=-E , . en 8 ~ ~ is ~ ~..d :;;0 ~~ '" ~ @ Q 8 z a ,"- ...15 0:.. ~.~ Eo-; .S 06. ,1IIIl .~~1l ... _.1 . .~., ~C_ ~ '-,~ ~ o " ~ . s .;: 0 . - 0 :E 0 'E'i 0 0 '0 .. ii . . ~ .:! Cil'; Si ~ ~2 ~ ~ S N ] 0 ~ -! ; '5 e " .'" ~ ;; 0 .~ m'~ <5 "0:; '" 41 e ~ '" o . 0 0'0 ... 0 0 - ~ r/J ~ .= .~ o e " o _ o . ~ U ~ ~ : :;lgc.. E 0 0 '0 .- ;;J-.e~ 20 H I:J;., ~ 0", ~ ~ ~ ~ E-< E-< ._ 0 .~ .s u . 0 ~ r/J .~ ,t:: ~ -' 0 ~ e . e;~ ~ 0 j; u.o Z -~ >'" _ 0 . ~ . 0 41.=.... o . E = 11 0 - ,......; H U oS ;; a 41 o . o ~ ~ 0\ E-< ~ 0 o~~ ~ o . U .= U ~ ~ . 0 E-< t::: o .- ~ o 0 ; 0 . <C e,g "" 0 U 0 . 0 8.r!l . = .~ 0"" ... . <C ~ 0_ .~ '" 0 ~ 0_ .~ .~ "" 0 . 0 ;~ > - e 0'0 Pl . - .. 5 .5= O~ ~ .!:!.s '0 . ",'" o = ~ =~ 0- = ,- 0:: .S~ -'~ ]S . . ~~ <5 "'!!I- E-< is ~ ~... 0 '" -'1;;< " ==a N -'-" . 'Ot; E 0", 'i~ " . ..: ~E-'" 0 .~ ; E- 0;-, !l o " e :; "' ,0", 0 .~J '" . ~ ~z- u :a f "- ...9 " lji",oj - o 0 0 ...~ . 0 a ; ~ o8<r: . "" 0 . . ~_u 0 ...u "'.. 1~~""'~r;- -." ",,"",~ ^ '^ .:", ,:.; = ;:: 0; ",0 "... <z "0 i:2~ ~~ ~I= iiI"' 1=1:; l>..d (.z..Z ;~ <w p-..... 00; l---"'UJ >-'" Ull:-' 1= Zo >- OZ Z ::E< < z::E >- ~~ a:l f-<,,-< 0 "'>- '" Ow c:: 020 ~ "'0 u >-::E E- 1;;;;< :3 P-lO~<r: b~ffi~ ~OClCl P-..cQlZl;2 WO:::::::C: ~f-<~f- .....lc.:::L!.,I-I:l~ ....100~~ "'E- _ ct:loo><. ~~~~~ '" = ... '" > < = o 00 -' <( >- <( ::! ~ o >- '. -", 0; ~ o >- 20 o " 20 i:: U < >- i;; < " ~ ~w of2gz ;'; ~~~ ::::::: u:p-'" oo>z i~;3 001- t:::C:Ul l:;'-'e:::: ~:-;9 ,,-''' w:;Jf- ~~S <w< CI:IOCl.; P-lWW ::C::r::Cl E-I-o; OW~ 1-"'0 O~>- gzU", O~o;- 0::> ' ~>-U~ u.l"-<OUJ e:::: .....~ f- ;>-.- wOf-a:: "gz=< <e:::OO ~~Pl~ e:::UrJ'j~ OU'"< :;,0 1= U !!I$"'>- ,..:.,.....:>:z ...~<< wf-::C:25 :;::3500 =;;:2O~ OCJ.lO..... f-OOf- gz ~ "' 3UJ u= U-lf- 0;0; ow ""0 >-z 2O~ <0 20"' -... E-::> -'... ~t:; <'" ""20 "'- Oe: <~ ,,"en 0;;< w< U-' 200; "'''' f- 'T' ~ f/J~lZl -0E- @;>-.-ffi 5z:;, z<~ UJ~g =00 ~~w 0;-" Ul~< "'"," "'uE- <00; 00;0 E-":;' '. ~. _, "_n :<: u ~ 00 o E- '" >- < :<: >- <( :;, ::> o >- "' > w ::l w '" ::> o >- "' "' aJ "" w 0, ~~ :<:~ "'", 0-, ~gj <E- E->- 0;'" "'z gjo <e:: ou E-< ;i < -' >- U E- o.. ::> :'j Z < '" -' ~ '" o '" '" '" "" p 0; '" o ~ 5 e:: u !'3 o 0; " .. '" '" "' o E- >.: E- 20 ~ o u 0; ~ o >- " z ;: 0; '" "' "' '" o z '" " < " z :l '" "' Z ~ o u ,.. ~ '" '" 0; U 0; '" ::! ~ 00 Z o U - ~ '!'I.' '"I . -~~ "*'~J~""" ""'"''"~~ ~.~ " z '" '" '" z " ~ '" .. " ~ '" ~ '" '" o ~ '" " o ,.. ,.. '" .. " ~ '" :l " '" '" '" ~:;.:. "'u "'z ~~ l"='Iroil "'U SZ 0'''' "1S "'", ,..~ t!:; -'", "''' -0 ~o; ~;:; ",z iJ;' ",-' 01;: ",z "'z "'" ~.. ,,~ 0", "',.. ;::" >, f-, ~ 00..0 ~ o c: e :J s~~ (.lj< _!H~~" [-<~ CI;I . ;::1:::;'>-<<""\ 03 <IlUu"-"p.J -,,"UZO as 0 8 j:Lj t-< Cl -=Z I!.lEo""I.Jp.,<r: ".;::l">"C' Cr::='o i1:S~~\.Liu;j~ I!.l....o~~oo ~~~e,,~<:::E 5.rg~~g;~~~ ~ 1!.l;:::E-<~~:J~ u":;~r::::l>-oo..... <C E ao~ -l:::E >< Cl. I!.l o..;::::;t,a.. ~o -:S~~1ZI~ ;:;1-< ~~E r-. u~ "8.@ ~I!.l f-o 0 >- 0 tl.l :JSal .ZO~"'O :<"'1"720 ~<r: ~~B'''O 00 o.u;:l:JCCI::c:f-< .;:! g ;;; 0 r- ~ ~ lZI-=~:a:><CIlCl~ 0-. ~ ;:> ",,, toJ<8~'O~~-l~ ~ ~5'gu:i;:l~5 ~~::::<O~ou>- ot::~<O<:><u:l '" Os c: -:S ~ tl.l U Cl .- UHA o ~ ~i-!"'lZbE2 ;;.~ati~~Z~o < = ...:.::: tn CIl Eo-;O~<l)~--f-< oo~~.~Zgs~:s: ><Sls5~<[.I..O ~.a;::l ~::rqgo::c: ~~~oo~<(f-<~ Oil",g!3o~;;: ~~.~ ~~~~~ [H~ h~~~ ij ti 2 S.5 <0 ~ ~;bQ)9:.8 ::: 0;0 c: - 8 t::..2 I!.l g ,!:l~<l)6~ ;: iil"B"5 g o <0 "O:.a 0 g '$ ~ ~~. ~, f-t rt.l.!3as ~O I!.l ... .~ Z I!.l ~-g. "g ~:g 8.8 El t:: ~ <l) >. ::J ij "'..:; rn 0"0 <0 -... ;n :>. p l=l 0 I!.l ....2a~8ui "7 :!:! ~.~ t:: 2 ,-=... r.l :>"';::: 1ZI IISP.u-a" c: r::::l r.l ." 0 B u.~.so Cd.;.: z t::"'!3-;;! f;;l;"l,:E~1)v~ ~...s~r.l"" ~Hd~l: ..Jvve"'''O r-1.s 1ii r.ld OU ~1ii~t-o~ ~ "0;5 I=l 5..... O~t~4.lt .- d::" .....a '0 ~~~gij ~ 5 ~"E.s!3' " ""''' - 0 C!:i C!;l..-.. d 08 .... u ,,0 _ 0 C!:i ] c:~ g.:::= r;;"l <0:>'-0 I!.l.f; ~ ~,.", ~< ~ g-:S;n] cD Cl.l r.l "'" [l1;l c: z.-::: <E.D U'.::l 0-0 ;:l R 0 OU U~~S~8 . " I!.l ..g ~ ~ g 1i ~ =.... .0.';::: ~ ~ I!.l OU '-< = 13 ~ ....s ~ .g~<Il ~:.:::: e <9 ~ ~,G ~.<;;: ~ o.t; -ao:::~~]~g.& ~~~5oo:.S'B~ 4.l~",i;ll)1!.l:UQ)4.l0 ~.gs:U~R~S<iS .=~2elI:ao!::~ .!:2E-gw-o~o84.l ~,Bs,{~B8;f;id.c ~ ... '" Q) Q) -0 Q) cot-< t:l).:::.- = -a.s 11.::: "-l 'g ~.s 6 s ~ t;.;:::J ,....- V .u 0 eo p E ~ ~ & -a g ~.~ g .g g ;::I '" '" .,.. <0 -0 i:: "'.- ~ Cl ~ -;; ~ ~ 8 .9 ~ ,~.8;5"O.... ....:;;l=--= r-l ~.E:1 8 ~'o?:: ~ €t U~~OdI!.lOU;~ : ~3~.~g lO'm g ~ ~ g? Q) u..soS.~ gJ;:.....a ~.~!a~g.~3:=>.ts Ci:l.E '"O.!2:=: := ~ ::: r.l E ooog"'t+=lO.~;>.,dOU <t;;;-o~-'..::l.s~~~ ~ ~.~Cd ~ B......'=<(~ \.:I~.b'o S::g,o-g 'V.8 ~.g~~~.("]~~~ Eo-; o~l.l: ~R] ca._"""' ~ Z g ~ g e:: ~~!5 o .~;>., 0 00 ~ "'" d 0 :?J +:ll.l,.,,?:>"O 8'"0 a...... >-, S..... 8: 0 ~.!l ~ fg "0 ~. ...-:., O!l!-< Q) .:::='::1 0 '" o""'':=: U - ...:I: ..., ~ ~ a .8 !=i a ~..9 .dS ~ Z - ""';S ~ t;.o lI.l ---: ~~ bIlbO.;::l = C:!l:l 0 g~ !:l'~ 8< ~..8-t.~' Eo-; ~ 5 ou Po. ~!l:l '" >.. < Q) :>,-B <Ll ~ b!)~ a.t; ~~'e~~5:Eg;~s ....:t C Q) (';I..... CiD <Ll Cd = ~ g ;:; -:.:2 iJ: ~ 4.l,.g.;:; ~l:\l"''''::.:JP::!;>''''';:l <( ~ ~ ~< ~ g 11.8'~ D o ,. cO i:l [5 '" ,.. o -" ~~~ OEo-';;" ""'-' O...;j~ ","'''' =3=;:; . ","''''5 "1S"'~" ~~ ~ 0", '" >~r=l.1Olo1 ;::i2~" >=tlia ~oo~~ Q.,~5[;;;l ~O,..U 00i"'~ ~r=l.tf.lt-- z~~~ 8~~~ <Eo-'<f>;il 8",f:l~ ~~~~ ~t:~:' ~~~o "tI:i,..~ OE-<<~ "',.~o liIilO:::l~ g~s~ i;;1~~S ~bd8 "zli!~ ~8i2~ " -ci~ .'J .8 'd c=< c~ "" > " "", ~'" " " 0"' - . ca:.= :~E . . ~ ~ ~.E ~.~ - " 8.q >,:=- ""' a.5'o ~~ s~ "- ..8 .g .@s " >, <.E ~ " " - " 1H :;::: Q) ~-5 <" ,"' '''' Z" o~ H", '" . u:a < " "' iJ=.J z ~ "" ~ " <I" ~.s 00 ~ "" "'''' ~ <: :0: ....z OU 0", > -.. ~~ ..~'" :;; =~ '" ~ ~.s D"':i"'O",o ~~ "0 -g~,; ooZ <:goo.... ~ u'" . - 0 <o~oo<Ciltl ~,.. z'" ~;,~ f-<U~OE--<IZl~ ~ "'-, 0 u~ 0~-<~ 0 ".. ~!l ~ '" e~~ '" ~~~~Pl:jI:1~ '" >", ",co u '" ';;5.8 <~~<~(.!lCi "" "'" ;;;~ z -' "''''~ui3'''-' '" ~~ '" '" ;;:...,S:! ~fS-<~ 0~ U "'''' '" '" :c .,c Z "'''' '" " gj'<:::: I:Il ::l""~U':l~~Ci u~ ",,,, '" .e..o:;'-<'-' -<t '" os ;..~ .z .;",~~",8s i;; 0;0 "',.. D 8~ '~~ U '" >,- >, "'0 z~.GQ. " [; ~ s uuz~~;:"Q:; ;;; :!l!;;;l i:i '" ~O-0~U~ . '" ,.'" 0" U 0 ~ i'.~ ~ " < ~o E--<zz-<E9~o.. ~ ~ 1':01~ ,.. '" -=-=c; Q:;_O~0~< . " t: '" 0>: '" U -;: . uii: 5 .s.., OIZlUU~~,.J '" " " tl:ir " '" '" 'u~-' - '" ~~ ~ '" '" ~'" '" .. =-3 ~ ~;<~ t:l~A 0 " ~ ",'" '" ~ - "'v ~~ " ~ g]j ....lZlozc=:: -( ., ",,0 .. .::! t;; "'- . <<.:s"'t:l~1Zl " .~ .~ " iri'" '" >, :;;u ~VHn-< ~:;; "'~ "'1;1 u .. . ." ~ = = 0 '" ~ ~~.s oOf:;CI;f.l~U "' t::~ N " ~ '" "''' 0_ z -' oolZl-(15:W""';:;l = . ~ ~ ~~ ~ t.r.;i '" '" 8 ;..-; "",zzlZle:z<oo ..; z:; :: 0 0 ,. ES.J '" ~~o~o~c=:: ;; ~- "" u o~u ",0 ~ "= ~-= oog<io..O< o - 0 " " Z U_Q.; ~~~ ._ III 1- '0 =() " " ~~ "'I: - ~ ""zl.:i ,li;;l';> ., ~ " '" '" t>~f-< ~ ~< ci 0",2;;:;~"'~ ~ tl:iz '" ~ 00'" :;0 Ea :: _5 ~ ~>"~ 0", Oi '" '" ~E-<VJ " "U - 0 - >!;;>~1'i[:l " '" "'z "u'" ",,,, " .s !:2 ;; ~c=::o...;j Oroil U 0'" ",,,,'" ",:> '" a S ;>-" i2 > " ",,,, l:l:l[;:ij1'o1 ",0 > ,,0 " <<z;:"o~;;J< '" '" :J~ "'u~ ",. '" :: ~-[ z;:.9~!:l~~u '" ~ =z~ ~~Uz'< ..J~ '" ,;; '" !l~ "'''' 0; ~ ~ '" " t=<f-< DZ " Zf-<<r;;;1~:3~E-I '" '" z Ii! Z cod ~!i.;~ ~~ 0 " - 0 oZ~~"""'..Ju~ '" "' <:Ut: '" '" 0 ~ ~ :lEa >ttijO ,.. 3 ~ : ~o"':Su~ ~ 0 '" -''''~ ",,,, ;:: uu~ ~ "' '" z ~'" o E " -( E-<u f;;1 '" '" .... '" '" ~ '"'0 ~"''' . = ~ u-<oz:a<;; i:l ~ ,.. -' -' ".. o~~ 0,::.. <.J soz~ =:goo U -' '" ,..~ = = s "'~"'"o~~~ :. ~ '" 0 u<1'o1 ~8 :; 0 z ~ "'0 out;<~o - ~ " ~ 1S ~ ~g: ,,~~ .= ~ u z;:a"';:i ~g- .. ~ ot:~ ~':: <liIilr;;;1oo ..J.~e 0 g 0 " " 0 "'o~ ..JQ.Q.f=1Zlilil~~ tI:i '" -' 0 u ,.. ~~(:;;J .~ ,.~ , ~- - f!f ;"f,,*~~ Ifll."""",, KJ~ .;: ;::; " 0 U '" " ~~-5 :::: = ;>, .B'~~ -.- o:l "'0 U !:l <l) 'l) .~ ~ i3 .~ g, ~ '~." ~]~O 'l)::::: S:..::;: ~.~ 'Q; g; S ",,..0 o:l ~~ .... ;~ ~ ~ ~ ~ g 5 ~8>- o 0.. . 5 :::=., OJ ~.::2 .0 ~.8 1;5 ~ el t';I-O :] -5.~ .2.0,2 'b ;:..,""'..... >. ~ ~ ~ ;:! ~;j~ ~ < 8 i:i < 'l)'';:: 5 OJ g ~.!:: g .9 ~ &.5 ~ ::: ~ ~ OLI';:: 'l) O!I C ::; ,... ::: .~ O'3'@ ~g.B~ oo..):l..... 00 ';::l ~ ~'o i.ij .... "" (;I ~l~~ a ~.B ~ t:: ;:I ;:I = 'l) 0 0 <!) C4 ;:"';>-,C4 < ~ "'I" >< iD Q.J < E'; Cl "'. ~ S'~,<Q.,<!) C-~...Jd~ ~o~~ro =~-<Ltl.g ::cf;l;lCl)p.,Cll f-<of-<><s i:1C:Z< 1-0 i3E--<LtlOV .-=:rn'.:E,,""","E ~ -( >- 00 ;;="'<C~<l) a E-< p., >- = 4-<ZLtlE-O ..gooe:::E l:lS$~a ....o:::'""l-~ ~<~~g B~o::C-5 ;>'<~!-<"d ~t; >-z~:E ::I!-- .- ~ 0,_, -" ~ 'l) :::-_......:JI;) ~~g~~ H~p.,~-8 ;:lZ-:C1O'l -<;;:: r--; gj ~I-o ~<o':2;.;g ~~E81l l";;il>~LtlI;) =~~~..o Eo-;.::: t:C at ",15u_'" Cl:. d EE t:C.'5 ~.~ ~ lS: d.l u.s dn"g o'c;~LtlS Eo-;Q)f;l;lOd.l >d,Q~..o ?"'OZ<Ct;; o Q) [;:;Jt:C;:I.. ::c: -5 H US-81 !52:0 2:Si~f- Of- t:'" I::~i:l "Of- "'""'''' ~~Z; ~ '" O~(I) C!lr=.< 20",,, 8~~ ~U"," [;;;;l:~.Q: :Z::oiZi r-Z;'Z"'; >rnO?Q CO:=U~ O....'-'lQ [;;;;l:E-<Q:l[;;il r-~~= UOOE-' t;:lf-ZE-< E-<:::::QU 0<...:1"'" cr::~OH Q.;~O~ ""!5:=0 ~~r.f.lU 200" ~::l~ ,,0,," t,;1:....:I S~~ f-'" ."' ,,""'" OUO ""t~ ~"S ..~"'" f-2: 0'" 20" ~! o o o '" '1' . :;: ~ 0 .~ ~ '>l' as.E 0>- E 8,gz ;::: [:lp O\.sf o _ ~::::; ....:Uttl~ g ~O 'l) CO'>l'o..O ~ c i :< . 11' '" ~ ~ " " o c '" " ~ ,. . ~ c c ~ ~ is. E ~ c . ~ , " . > . ~ = = ~ ~ 'I" . "" :::-~~=~ ~f~ti""8i ...... ~..... = Q) ::C1j~d.l-;;= t:::~8.E.st: .= d d) oa ~ Q -:SQ.o~~5 .~ : a.... -<: lo< 3:E;:E'OE OO'l"".o<;;::"'"' '"'i ... d) SO = ~~~5~~ ]~:S.=~: ~'2 'B ~~ ;g ;:I~d)d~"ti t.I I>< I;) ifl~ ~ '0 ~ a 0 Q,~ c ~ ro El:E.... ..g..;.o <1).,:::-8 ;:j = ~-= ~ d g, ~:B ~.g.g ~ ';: 2 0.. e g , Q,ltiB....."'@" , "::l "5 d) 0 OLI ~ = 0 I;) r:: 'l) ...:! ~ d.l a .~t: ;::. 41.!:l...l:l 01)19 -<;5~.g0'l ~ J 01)-=.....-8 ~.,g-s 2i.l [~ r-l~~.s~E ~ '" 'f:j >.::1 0 _ :s ~ ~ ~ ~ ~..... Ol);:j J9 :; S 0 "';:l..;: ~ D'l ....~ I;) U rd''''' '0 .s:.5 ~~t:1a]'" ~~:;.i~.~ Io':l>-Q,ld.l~] O<OSi',1JI"e' 001::.5 a.... >sog::::5l l=ce'"O~~ " ;; '" .;: 0. . i5 '" . o " -0 " -" ~ o ~ " ~ " o '0 a f- -' o < .. "' " "' " < " ~ o ;;! 0:: o o >< "' 0:: o u o f-< ii< o := '" ~ -0 OJ -" ~ ~ ..s,:'c "q ~ !:E'"Oo '-'"i)l"- ~I.S"'" ~=< cr:dQ., oz~ ~;:!;:::: 01)0 :a ..!::-u f-< f-< -' o 0; "' '" "' :=. f-<-o ~~ 00 ~.f1 oj? f-< " <15< ZO:; -;- I' $::1 ~ ~ 0 :9 ~] ~ 0 .... g ':i:::: Q) ~Ul ~"2 .8..r: <aci3 ~~.; ~=~g~gQ,l .~ ~ ~ so; gj ~ ~ lo< ....;j;;O,; l!.I rd d) 41 €g~.8'::~~~ &;~8-~<c~g O.:...O.....~.O~ 15.. 0 ;>'1l~ 0.0 Ol);;;o ,o~ti...oci'g~ ~rJ'~B~~u; ~;>:d~,o.S 1:: S."" ';:'...!:: ~ 0 ":I ~ ~ ~=a:= ~ ~ .S d.l i::;.a-.s ~ d.l >. ~ ...!:: <l.l 'lJ I;) ;:l ;>-, rd f-<'t8rdo,,:gS>,- J ::: E ::l ':;:::-E-< z ~ p., ~ 5';:E C: 0:=7.1.... >. 'lJ ~o s~~.s~;;~M C:.;; ~ ",'[;:j t;:"O ~ ~;!:l'6b~ :'g]~ rn 'l) -cI Q) 0oOI o :5 ~ "~ f:! ~ .s = {j-8.@1:ls':d.lf-l ~ d.l C1 6 '" ;>, ~ 41 bll'l):t: d.l..c O..cl ~-;; (Ij:a"d;:l- o....o:Sv<ng~.s ~ d :0 on!3.....:- j!lS,~~:@!:lS'~ ~'lJ'to~'-o.... ~ o:S..c l{j I;)b~ "S <~....e8"d =..; Cl 0 g v 0..8" S:l ~ ,41 Eo-; ;>, v-E<a ~ '+=l 'tl ~ ~ g, g.;>, ~ O'l.s ~ ~Ul 0.8] [;::: as]:'" ~ :g ~ v 0.... t.:=. "0 t c:! <+-i",o.... ..;Ul'O:l1;; ~'5 Q.J]: ~ ~~ 00 u ~ ~..cl 0;9 .... < .J "' ~ o '" '" '" i:2 " . '~ .f1 ;S .s - 2 '" f-< Z '" :1' "" '" 0. '" ~ 0 O-E "'"" 515- :1' ~ >< " .J ~ '" . ","J<J (5 3 :E ~ '" . q~ < '~ ::E 0 f-= 02 Z ~ '"'" >11 ~ ~ ~" o g "" S ",- '" o N ...:; " , "' ~ '" . . '" o N '" ;:: o o N -^ " 3 ~ '" '. g- " " - 2 '" " o ~ " 0. " o '" g ~ " "' . g~ "0 ~E 81 - - . - '" " .-0 . " - , ~ " F'.e H S Ii) ~.g ~~ =: g ~ 8 ~..ffi -,2 0::. 5j:r Eo-; '6 00. '" ~ , u II e ~ "' ~ "" o f-< "' < "'" o ~ '" ~ " . . "^ f- 2: ;0 o :E < 11 o 1! is '" . = ~ :::i ;;; " . .t ~ ~;:: f-<O 010 f-<;;; - "~~. ..,""'!~ i-O"P'iJif:;?J:"+''NI!t.W" --- ~~,"._,. ~,....- ,:; '" ;:: '" >.!JO ~ of-' 0 -<;zo 0 89 '" ",f-' :z: 00 0 :;;f-' 0 ",t;; '" r;'" ti ~o -< a~ >- >-@ g ~Ul <C "-"" "- 0", 0 I-<r.ll ~ >-~ 52 "'0 f-' :Z:Z '" ~-< ~ ;zo:E '" <0 r!:I I-<g:: CI "'", '" O>.!J P:::; 9z ~ r-'o u :>-21 ~ t,;" 0 Ulor--:< !5~ffifi5 ~OClCl: p..o:lrn~ I;l -tt: e:~I::f-' ~o:;...~~ ...:lOb<~ ~~,>-::c:~ ~~~~~ '" '" f-< '" >- -< := o '" ~ ~ ::> o >< ~ . . 5 ~ ;; ... E ~ ." .. " -.. .= = _ 0 " ,.., -~ J:! .- . " " " . . ; .,g >";; ~~ .: ;- a :: U ~ ,u ~ ~; , Q ~- o 0 E ~ ~.!O " - t 5 " @ ; . 0 ,,"" . . S ;; ~t; .. 0 " - ~- :-;:: .s~~]~ " "I..... ..... ~ ~ ';;j~ v.,g >, ~ ~ 0 "@ 2 ~ ~ <ll :..::: = rn c b @' S <I)::: ~ v .~ fp:::; ~ ~ 0.;:: ;s: d +=l '"' v.... ...... 'iil ~~] 8- :5=~t'8 ] 1S~ ~'5 ;s:E 0 -5 0- 'E~~~~ ~ ...."'0 o-E ,~~"$.9 'iil ;:::..=.g]~ I 15 ~"2 >-. ~:g-5~g <8'O'E~ 0; >-.13 5 GJ ~ 'E ':g ~.9 -< g. s::; I) ;. ~ a.. <( -5~ ffi &."2~~'ii r.. 01).. :; .... ; ~~ 8 g [;;;ilo ......;;: ::c E.r: 0 a rJ;l v::l .;>,..... r...l-5'"O-@s~ S'o.2:~~~ "'"lv=;sov ~~;~;><;S 0",'5<2.'::: gp ~ S e 15 ~''8 t:j 53 e ::I ~ .s f::S6.1~ ~ ~ a H .c 0 .... u ~<Ii""""'I);>' -( 'fi :; ~ gf~ ~f;le~..2.,n "'", OOUl z"'-'" ,":ill:: "'>3i <t:Ula= ;zo~f-' 8tt:'" f-'_", Uj '0 0;:;:;; "-Of-' "'-<"" :;;"'0 -<"'~ rnD.~ ",,,,,,, tt:tt:0 I-<I-~ Ou:t~ 1-<:::::::0 00'" uoUtt:I "'0"'_ 000 ' t;"'u~ tI.p...ou:t e:::';,r->- ",Of-'", o"'tt:-< -<"'00 05"'Z f-urnUl o::u-~ Oott:-< :;; f-'U i;l~g:'" "'tt:-<~ f-'f-'tt: ~~f-<6 <::Jor/.! ;:c<ZUl 0[10:::S f-'Ooe: "'"I ~ ::> '" 3", utt: gj~ 0'" ~~ -<0 z'" ;::~ ""- Of-' -<'" "'z "'- Of-' <:5 ",,,, 0" ",-< u"" ;zo", "'''' f-'tt: 0 "'f-'''' >oof-' "'''';(; ;zoz;; 0-<0 z"'u "'00 tt:OO E-<ZU-l f-'_o ~Cl~ ","'0 rn~b -<0- 0",0 f-'''-:;; i'. " f!' 0; ;;: ~ @ '" .., ~ f-' f- "'clj ~~~ II tt: u o '" ~ W ~ '" -< :E o o '" w >- '" :l w '" ::> o '" '" 00 ffi '" '" 0, ",'" ",'" tt:0 f-'ffi 0"" "'''' ~I:: f-'" "'''' "'z gJo -<e: ou f-<: '" '" '" '" ..0 ... ~ o '" ~ " . '" e = z . = o '" ... '" j '" U f-< ... ~ :z: <: '" "" ;;i '" o '" '" !iJ f-< '" '" o S z o e: u '" f-< o '" "- ". '" '" '" o f- '" '" '" '" .,; "' '" ,; ~ ~ " . '" e i " . .. , ~ ;;: f-' Z o o U 0: ;> C '" " Z ~ '" '" OJ " ~ u z '" " -< " Z ~ "" '" '" S o U f-' is [;l u '" '" ~ OJ Z C U . ;: .. .. o ~ .s " . o !O '-< ,., > " "'0:.=';;; Q 0 0 ~;;] '~.9 ~ ~ '@.5' '" "~ '" ::I.~ b ~ e ';::"-<<.2 0- .;:: . 5 en.<;:: 0 . ,., ~ ~ g.~ -5 S ~ GJ 0 .=: ~.9;;:'. 1J ';:; ~ ~ .0 ~ 8'S g ~ ~ 2 {l~.s ~ ::1"'0'''::: :-. ~ a ~ ~ lb~.E;l roil 8.. ~ ~ ~ 0 .;'" rJ:i l5..m}; ~]~-g ~ ~s ~ ~t:5)t> r=l~r3315 == Q) 01)"'0 iI.!.a;S"3 ~'::~8 Co _ ~ o..1Q ~ U~ o.:l ~ ~ t ~ .. = 0. 0 ~ 6 ~] . . - " :.: ;; o ~ . ... . . ;; . u ~ '" o c ,., . - . ~ ~ ;::lll.l '" ~~~ c: (d ~ ~~o ~ ~ 0 -"'- ~~ .3 ~ ~ P., ::::...."0 = ~.a ><I~ ~ " " w- e: ~ 2 . ....;::.::"2 ~o;:::t::; el~ ~.~ "~ 0 S n'" e :; ~ t' ~ ><~e~ I:=.g~ I;:z:;l ~ <j t:l ~ 0 a 0 <jo:l.;:; r;, 0) rG..... Eo< Q) tllI 0 ~""@!!l O~"=i:: ~ ~ ~ S .. " " ~ o 15 ~'S z - . '" C Q) ~i:: ~c..l.., f::,n t>JlJ; ~ <Ii.5 0 ~81\l Q 1I.l.....-5 00 a "'... ~Lg 8-5 ~ - ~ ll\\d~h . ~fm'''' ,~ Exhibit "E" 'M~.r-;,.~;p__ ," '" ,- - , NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT. (the Act) 15 D.S.C. SECTION 1601 AS AMENDED I. This law firm may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law firm in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 6. Ifthe creditor named as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a vvritten request to the creditor's law firm within the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law firm. 7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. '.,;"'JII~~^~_", -~-- '" , ~ - , '" /~-"" -""'r' - .ilJt~~~~~*~j,ffl,,,,,"1~:h'i'i;;\~,~~~IJ,.jf("mTW'~i:1ii"& iJlki1:f_~ ,'- "'IIiIlIl '( liilfll~!IJ~ iF:''''W~W$Wlii!.;:;''~ OFFiCE Of THE SHERIFF CIJ"Wr'I;' 'c :;')UNTY DEe 6 8 Oij M\ '0\ Ci~,i-~ L. t:.) L.\:. PENNSYLVANIA !-.._~ .~... ,':V;,::[) !l~~]; C"_,~fJi "'?r!J' ,:,;z= ".....,,"', /-,~;:_:;-I ,.,1/ lo'J::,_.,~ "_~'~ _ ~. =~'w~,~" ~ ~ . ~, _~ ,~_ _~,_,,,., _"_~,. _ '" ,.1 "__~~'_ "" 'i~' ',~ "-" --"-- ~ (,:~::" /-,;:'<z) /11.6, 1.>,'-1 <0.6'> r- ,~ ~'<J/ Ci;j)' , . .ill SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY J.D. NO. 79294 1020 KINGS HIGHWAY, SUITE 210 CHERRY HILL, NJ 08034 (856) 755-1560 ATTORNEYS FOR PLAINTIFF BANK OF AMERICA, N.A. PLAINTIFF, COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. NO. 01-6897 CIVIL TERM JOHN J. WELLS, JR. AND LINDA LEE WELLS DEFENDANT PRAECIPE TO SETTLE. DISCONTINUE AND END WITHOUT PREJUDICE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly settle, discontinue and end without prejudice the above captioned complaint in mortgage foreclosure. SPEAR AND HOFFMAN, P.A. ~~ BONNIE DAHL, ESQUIRE Attorneys for Plaintiff --,.----{'r" '" - .. H . ""-'~_,,,"~,-,,. "'_1, ,'r We -, ,""'-'_'- ~_",','~w.,,,,_,,_,'_e_ '." ~' "'rTiT." (") 0 0 € r..:> -q "'" :.:;:.1 '""O'CD -0 ~':.i~ mrn ::u -:7'--, ~..J....,- I ~gCJ Zr;:: Cf>""C <Ji ,...5)..) -<"'.::' -.,"i\.~. r;:c -0 ....-.1 3> :x ;~_:o 20 ;;:7(") n ~ ern >c '" ~ N ~ '0 IT B,f " ..... . r "c",'JI~l!!II~.,.."", ,,,'''3P'',,,,,,","m'''',"i'''N,,,,,',,,,!\III!III~' """"-"""".""",,'" "'-"~"---"',"""'~".." "",y..'," "", ,