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HomeMy WebLinkAbout99-00798 '- LOAN II 99-026172 (0) Limib tin Intl:rC'1 Rail: Chlln~c The IllIl:n:SI talc I ;'1m required to pay ;11 the nest (111<:1<:51 Rale Ch:lOgC DUle willnol incrcilSc or tJccrcasl.: by Illorc IhJn 'J . 000\ rrollllhl.: 1IltllillllllCrcsl nile Thcrc:lrtcr.lU)' iUlcrest fale will ne\'er Ix: il1Cr'::1Scd orllccrcascu UII any sillU1c llllcrc~' Ituc Cl\;llll;": Oalc u~ lllon: than ONE: pl.:rCClll:ll;C pOllll(~1 ( 1,000\ l (rollllln.: r;IlC ..If Illli.:rc,tl h:l\C llCI.:II paYIl1!; flu [Iu.: lllcccdlllg 6 11IUllth(<il ~l~ 11Ilcro.:st rail.: \\111 1Il.:\'cr be gfc;llcr than SEVENTEEU AND ONE-HALf' pcrC":111 ( ..:alll.:;.I the "~ljl,'\llllUll\ R.lle," :-'ly LIIlerc')( rale \\'lllnc\'cr ue kss I hall TEN;WO ONE-Ill\LF ! to. 500' 1\\111..;11 l'i callct! till.': ",\ll1liI1lIlHllbIC '. 17.500' ) which IS pcr..:crll \1::1 IWCClhc Uatc ur Chan\:c, ~Ir lIe\\' Inlerest ralC mil bccollleetTecti\'e 011 each Illlcrest Hille Ch,llIgc Dale,l will P:ly Ihcil11l0UIU of my ncw lI10lllhly pa)'mClH beglllllillg olllhe firsl monthly paymellt dale after the IlllerCSI Rmc Change Datc unlillhc ,1I110unl o( my mOlllhly pil)'l1lenl changes a~ail\. (F') NUlh:c o( Ch;lnl:c The NOlc Holder \\'Ill d.:h\'cr or m;lillo me al1oticeofilll)' changc in my inlerest r:uc illld thc :nnOUllt of my mOl1thly p:l~mclIl bef,'rc the eni:clive date of any Chill1ge. Thc Ilollce wili incllluc informal ion required by law to be givclllllc .\lIU also thc.lillc iUld Iclephollc number of;\ person who will :llIs\\'cr all)' qucstlun I may 1mvc rcgarding Ille nOlice, ~, nOIlROWf:it'S RIGIIT 1'1) PREI',I \' I :~;1\C lIiC right 10 um!(c p~'llICllIS ufllrineipal al any liil:e tx:for': Ihe)' :Ift: due. ;\ paymclll oi principal ,luly Ii kllCmll:OS;1 "pr..:p:!> mCIII", WhClll make a prC~ijnllCllI, i will lclIlhe i\~\11o: H\Jkh:r .11 wtilll1g I am duinu so. . I m:IY lIlak..: a full p~epJyment rJr p;;:iial prepa)'lIleIlIS \\'illl\Jllt p:l)'ing an)' prepaymcnt charge. The NOI..: 'j(,hler .\ II! use: "r; fJf my ~r~?;}Yll1cll!S 10 ~cduce thealllollnl ofprincipallh,nl o\\'e undcr lhis :-.Iolc.lf! milkea p~rti:11 prcpnfll1cnt,lher.: will ~ lit; :hang!::s III tlIcJued:llesol'my montill! pil)'Olentsllult:s'ilhe Note Hohl~:'agrccs ill writingtolhosc!::hanges, Mypartial pn:paYOlcnt 111:1)' rt:du~e lhe il11l01lllt of :Ily Illl.ll1l:11>' payments after Ihe fir'il rnleresl Rate Change D:1Ic following my panial pr..:p;:ymclIl, lIo\\'c\'er, :Illy rl.:l.!u~:l(jll dUl.:!i.l 11l~' partii11 prepaymell: lUay be offsel ~)' an illlcrcst r:lle increase, THIS SECTION IS SUPERSEDED BY THE ADCENDUM ATTACHED HERETO AND HADE A PART llEREOF', fI, LOo\:-l CHARC ES Ii .1 law, \\'hu:h :pplies 10 Ihis 10:ln and whicll sels l1la:ooimum loa" ch:lrges, is finillly intcrpreted so illat Ihe interesl' or other loan ch,lrges cclleercrl tJr III ~ ::oIICClt:d !n connection with !his lonn exceed Ihe pCfmilled IlIllits, then: (i) any such loan elmr;;:: shall be r';uII~cl1 by the am\!l1111 access:1r)' to rcdllcc Ihe t'har~e 10 tIle flernulIt'd !illlit; ill:d (ii) any SlIlIlS .llrl.:ild}' cotlcc!cd frOlllllle tlmt e:ooc..:eued pl.:rI1LJ!I.:11111llits wllllle rcflllluctJ to rue, The Nole ~lohJcr nm}' :huose 10 tnJl<c Ihis refund by rcducing the Ilrim:ll.mll ..mc unLler lhis NUlo.: ,Ir by Il\il\...ill!j ~ direct p:lymClII 10 IIlC If a rciilnd rdl;ce~ principal, th~ rl.'ductioll will be Ircilled as a pani.11 p:cpa) men!. 7, UOIUUlWm'S ~'AILURE TO PA Y ,\5 Ilf:QUIIlEII (.-\0) Laic CharJ.:e~ for O\'erduc P:')'lIlcnl~ If Ihe ~OIC Iloldcr hilS nol reCel\'elllhc filII :llllOullI of ;Iny monthly pilynll:nl by the end of 15 cakm.lilrdaysafter Ihe date it is due. I \\ill Jay alrllc ch::rge to lhe ~~OIC Holder, TI:c "'nIOunl efllic elm.!::e will be 6.000\ or "I}' cvc:dilc paYlllcn!l1f prillci!,al and inlerCSI. I will pay thIS laic charge promplly but only oncc 011 cach I:lle pil)'nlCOI. (U) Udault If 1 do /101 pay the (ull :lInounl of eaclt moulhl)' payment oUlne dale it is duc. ( will be: in default. (C) NUlice of Defauh , . If I alii In default,lhc NOle Holder mil)' scnd me il written nolice tclling I1IC thill if I do nol pay the ovcrduc amount b>' acenain date. the l':C\IC Holdcr 111:1>' requirc lIIe to pay illlllleui:ucl)' thcrull amount efprincipal thaI hilS not been p:lid alllJ all the inlercsllhal I owc 011 that iI/lIOUn!, TIl.:!.1 d.lle lIIUSI be allcilst )0 d:l)'s an~r lhc dale on which Ihe Ilotke is dclivcretJ or 1Il:lilcd to IlIC. (0) No wain:r 8\' SOIC lIultJcr E\'cn If,:lt it limc ~\'hclIl am ill deC.11111, the Nole ~roldcr do~s not require me 10 pay immcdi:llely in full as described :1bo\'e, the NOle Holder \\ill still ha\'c the righllo do su iflulII in d..:f:lUtt al a I,llcr limc, (E) Pa}mcl1t o( Nule lIoh.lt:r's CuslS and E.!iIICnSCs (flhe NOlc Holdcr has rcquired me 10 pay illllncdi:llcly ill fIlII as dcstrilJCd above, Ihe NOIC Holder will hil\'ethe righllo be paid back lJr Ille f\lr all ofilS coslS illld e:oopcnscs illellfordllC this Nole 10 the CXlcntllotluohibilcd b)' ;I[lfllic::tble law. Thcisee~llcll!les in..:lude, fur e:..alllph:, fe;honalJlc .1Il0(llc)'s' fecs, N" GIVING OF NOTICES Unless ap'plie:lblc law requires:1 dHTt:rcnllllclhod. any nolice that must be given to IIlC under this Note willlJi: gi\'cll by delivering it or b)' mailing il by firSI class mail 10 IIlC :Illhc Prop:rty Addrcss 300'..e or OIl a differcllt address if I givc lhe NOh~ Hold..:r a notice of Ill)' dirrerenl :Iddress, Ulllessthe NOlc IloJder requiresadiITcrellt melhod, any noticelhallllUsl bl:givellto the Note Holder under this Notcwill begivell by mailing II b}' first Class mail 10 Ihc NOle Holder illlhe ilddress slated in Seclion J(A) ilbovc or ilt a differcnt address If I ;lIlI given :l nOlicc oflhal dilTercnt address. ,.1, . 9, OULlGATIONS OF PERSONS UNUER TillS NOTE If more than ouc person signs lhis NOle, cadi perSOIl is fully :1ud personally obligaled 10 keep illl oClhe promises made ill this NOle, iucluding Ihc proll1isc 10 pay the full amoulll owed. Any pc:son wllo is a guaranlor. suretyorendorscroflhis NOlc isalsoobligi1ICd 10 do Ihese tl!/Ilgs. Any per 5011 who lakcs o\'cr Illes..: oblig:llions, inCluding till.: obligaliolls ofa guaralltor, surelY ur endorscr of Ihls NOle, is also obllgatcd 10 kcepall of tile: pronuses madc in thiS ;Jole, The No.lIl.: Uoldcr may cllforl.:c ilS righlslllldcr Ihis NOle :lg:linSI c:lch ~rson Ulthvidually or :lgainst all of us logcther. This means lhal any OIlC of us lIlar be required 10 pay all oflhc ilmounts o\\'cl.l . under thiS NOle Illllle t:\'Clll allY IlrlJ\ISiol1 ortllis NOle I!llillall)' deh:rlllilll:d lu be illvaliu or Ul1cllt..m;c;llllc by a 1.'01111 UfCUllJllClclltJllflSdlClillll, such tJelclllllll;ll1011 shallllot alTecllhe \'alldily or enforce:lblli:y of any other provision. IU, W,\IVEICi J aud auyolher penoll who h;IS obligaliolls untJt:r this NOICn;}i\'e Ihe righls ofprcscllllllcnl aud nOliccofdi.shollor, .. PreScl\llIlclJl'~ Pa~c 2 of J P'4,HNU"l' LOAlI I. 96-026172 TOGETHER WITH all the improvements now or hereafter erected on the property. and all easemems, appurtenances. and Ih:ures now or here:!.iter a part oithe property. All replacements and Jddltions shall also be covcrd by this Securirj !n5!rument. All 0(:::" iorcgeln~ IS rcierred to in this Secunty [nstrument as the "Pro,er:,"." 30??.oWER COVE>:A>'IS that 8,xro'.l"er is Iowfullv sdscd oiLlecStatc hcreb" conve'.cd Jnd has the right to mer:"J"e ar'nt . ;;. .:' .:1 ,.:) u J~~ = ~n\~:-- ~~c ?:operty and :'131 the ?:Cf:eioy i3 uncncumben:d, except :'ur;;n~umbrJnc:::s ofrccoid. 8or:0\~;:r '....o'rian1.3 and ''''ill dc:fend ~-.=~.::::!t1y th~ ttt!.: to the Pr.:p:rty against :lIt claims and dem:.tnds. subject to Jny ~ncumbrJnc:::s of re:Qrd. THI5 S"CI.,RlTY [>:STRLf},,[El'T combines unifonn covenants ior national use and non-uniform covenants with limited variations b~' jurisdiction to constitute a unifonn security instrument covering real property. L "1'<'lFORM COVENA~IS. Borrower and Lender covenant and agree as follows: I. Pal'ment or Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the principal of ana interest on the debt evidenced by the 1'0te and any prepayment and lale charges due under the No~e, ~. Funds for TUles and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay te Lender on the day monthly pa~'ments are due under the Note. until the 1{ole is paid in full. a sum ("Funds") for; (a) yearly lales and Jssessments ....'nl=h may attain pnorityo\'er this Security InslrUment3s3licn on the P;opert)'~ lbl YC:Jrl;r ICJsehoid pa:.mcms or ground rents on the Pro::ert"i. ifany; (C) yearly hczard or property insurance prel1'jums; (d) yearly flood insurance premiums, lian)': Ce) yearly mortgage insurance premiwr.s. ifany; and (f) any slims payable by Borrower 10 Lender. inaccor<bnce \lith the provisions of paragraph S. t~ !icu cfthe ~ayrr.cnt of mortgage in:;urance premiums. These itc:ms 0:;: c3a~d :.Escro\.... Items." Lender may, at ar:y time. collect and ~old Funds :n an amoum not to exceed the maximum amoun: a lender for a federally related mortgage loan may require for Borrower' s escr~w account under the federal Real Estate Settlement Procedures Act of 197~ as amended from time to time. 12 U.S.C. Se"tion 160 I el seq. ("RESPA"). unless another law that applies to the Funds sets a lesser amount. Ifso. Lender may, at any time, colloct and hold runds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of "urrent dal.1 and reasonable estimates of expenditures of future Escrow [terns or othel'\\ise in accordance with applicable law. The Funds shall be held in an institution whose deposits are inS1md by a federal agency, instrumentality, or er.tit)' (including Lender. iiLen~er is sllch an institution) or in an)' Federal H'~me Lean Bank, Lender sha:! apply the Funds to pcy t.'.. Escrow Items. L~nC:e:ma:" nctcharge BO:To\\-'er for holding and Jpp!ying me Fun~s, il.'1nuJ.lIynnalyzing t..'1e c:;~rcw account, or\'eri~::ng ~hc Escrow Items. unless lender pays Borrower interest on the FundsandapplkabJe lawpennits Lender to ma.~esuch n charg.. Eowever, Lender mal' require Borrower to pay a or,e-time charge for an independent rell e~tate ta.~ reporting s~:-\'iceuscd by Lender:n :onnecticn \\ith this toan. unless Jpplicable .aw provides otherwise. Unless an agreemenl is made or applic~ble law requires in!er~stlo be paid. Lender sr.all r.ot be required to pay Borro\\'er any interest or enrnings on the Funds. Borrower and L~ndcr may agree in wd:ing. however, Lh41t interest shail be paid on the Funds. Lenaer shall give to Borrower. without charge. an 3.nnunl accounting of the F:.ma5. showing credits and debils :0 the Funds and the purpose for which each debit :0 the runds was made, The Funds are pledged as additional security for all sums secured by this Security Instrument. [f the Funds held by Lender exceed the amounts permitted to be held by applicable law, lender shall account :0 Borrower for the excess Funds in accordance with the requirements of applicab.e law. lithe amount of the Funds held by Lender at any time is net sufficiem to ,;lay the Escrow [terns when due, Lender mJY so not~~. Borrower in \vriting, and, in such case Bor~:mcr shall paj' ~a Le:-.c::r the a:nount necessary to make up the deficiency. gorrow~~ shall make up the deficiency in no morc than :o....el\'e monthly pJyrr.~nt.;. at Lend~r'.; sole discretion. . L'pon pa~'ment in full of all sums secured by this Security Instrument, Lender shaH promptly refund to Borrower any Funds held by Lender. If. under paragraph 21, Lender shall acquire or sell the Property. Lender. prior to the acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as acredit against the sums secured by this Security Instrument. 3. Application or Pa~'menlS. Unless applicable law provides otherwise, all payments received by Lender under paragraphs I and 1 shall be applied: first. to any prepayment charges due under the >lote; second. to amounts payable under paragraph 2; third, t.J interest due; fourth, to principal due; and last, to any late charges due under the Note. ' 4. Charges; Liens. Borrower shall pay alll.1.~es. assessments. charges, fines and impositions attributable to the 2roper.y which may attain priority over this Security Instrument. and leasehold payments or ground rents. ifany. Borrower shaH pay these obligations . in the manner pro,'ided in paragraph 2, or ifnot paid in that manner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly. Borrower shall promptly furnish to Lender receipts evidencing the payments. BOITowershatl promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the palment of the obligation secured by the lien in a manner acceptable to Lender; (b) contests in good raJth the lien by. or defends a,pinst enforcement oi the lien in. legal proceedings which in the Lender's opinion operate to prevent Lie enforcement Qi the lien; or (:) secures from the holder of lhe lien an agreement satisfactory to Lender subordinating the lien to .this Security Instrument. [f Lender delermines that any par: of the Property is subject to a lien which may attain priority over this Security instru:nent. Lender mJY give Bcrro'.\cr 3 noac.: identifying th~ (i~n. Borrower 5hall SJtis~. the lien ortJke oneor more oftr.c :lctions set forth aeave \I,"itrun lIJ CJ: s of tht: giving of ncuce. PF.SSSYL\'.\Sl\. Sll'~': Flmil~' .FS~I.".FHL~IC t'SIFOR.\t I~STRt'.\IEST ....'tP.6n(p.\.1 ~9-l1~) Furm JOJ? <)..?o .\tr1'ended 5.191 Page Z of 6 Initials: >>pr! ~/ ?-U.OEEO LOAl/ .: 98-02617; . S. Hazard or Property Insuran~e. Borrow7r shall k~ep Ihe improvements nO\,:,.e.isllng or her~mer erected on the Propert:. Insured agJlnst ',"ss by fire. hazards Included Y<lLhm (h.: term "r:.'(t~nded co....erage Jnd an:. oth~r nJlJrds, Including needs 0 flooding. for \.. hlc~ Lender requires insurance. This insurance shall ~ maimained in the Jrnount:i Jnd for the periods thal Lend~ require:). The ir.s:'::'Jn.:c ::arncr prJ\'iding the insurJnc~ shall be chos..:~ by Borro\\'er subJc:t to L~nd~r's approval '^"hkh iha.l! no.: b~ unrcascnJbi: ',\ ::;':-.~td, CfBor;"ower fa:!s to mnintain-..:overag:: d~s..:;,:b:d Jbo\'c. Lender n:J:.. ,Jt L';~:!.'::':i option, OQwln :o\'er,J'} to prolecl Lende,s "ghts in the Propert:' in accordance with paragraph 7, ' All insuran:e ~Iicies Jnd rcnewals shall be acceptable to Lender Jnd shall include a standard mortgage clause. L"der shal. have the righc to hold che policies and renewals. [f Lender requires. Borrower shall promptly give to Lender all receiplS of paic prcmiums and rene\\a) notices. In Ihcevent of loss, Borrower shaH give prompt notice 10 Ihe insurance carrier and Lender. lende: may make proof of loss if not made prompcly by Borrower, . " Unless Lender and Borrower otherwise agree in wriling. insumnce proceeds shall be applied to restoration or repair of the Propert:. damaged. iflhe reslOmion or repair is economically feasible and Lender's securily is nOllessened. Ifche restoration or repair is nOI economically feaSible or Lender's security would be lessened, Ihe insurance proceeds shall be applied to the sums secured b~' chi, Sc:urity Inslmmt:nt. \\ hcthcror not then due, \\o'itho.uj'cxcess paid to 8orrowci. IfBorruwcriJbandonsthe Propcrr:-', ordlXs nctans\',e: within 30 days a :,otice from lender that the insurance carrier has otTered to settle a claim. then Lender ma~' collect the insurane, proceeds. Lencer rr.a]' use the proceeds to repair or restore the Property or to pay sums secured by this Seeuricy Instrurr.ellt. whether or noc chen due. The 30-day peried \\ill begin when Ihe nalice is given. Unless Lender and Borrower otherwise agree .in writing, any application of prceeeds ,0 principal shall not e:([cnd or POStpone the due dace of cjle monthly paymencs referred to in paragraphs I and 2 or change che amount of the payments. If under paragraph 21 the Property is acquired b~'lender, Borrower's right to any insurance policies and proceeds resulung from dantage to the !'ropert', prior to the acquisition shall pass co lenderto theextencofthesums securod by this Security Instrument immediately prior to the acquisition. 6. Oeeupanc~', Prese.....ation. ;'Ilaintenance and Protection of the Property'; Borrower's loan ....pplication; leJ.Sebolds. 80rrower shall cc:upy. establish, and use the Property as Borrower's principal residence within sixty days mer the execution ofthi, Se:::uriry Instrume:l: and shall continue to occupy the Property 35 Borrc'.ver's prindpal rcsidc:nce for at !C3St one ;'ear ~1cr L~e date of c\:cupanc)'. unless L:nd-::r other,vise agre~s in writing. which cons~nt shill! not be unreasonably withJ:e!d, or unr-:ss ::~ter.uating circumstances eXli: which are beyond Borrawer's control. Borrower shall noc destroy, damage or impair the Property. al!o\\' the Prepcrty to detetic,at", or commic waste on the Property. Borrower shall be in defaull ifany forfeiture action or proceeding, whether d'.'il or criminal. is :egun that intender's good faith judgment could result in forfeiture orche Property o. other.vise materi~lly impair Ll)e Hen created:y :h.is Security Instrument or Lender's securit)' interest. BOITo\'icr may cure such adefal.!l: and reinstate, as pro~idec ir, parograph 18. by causing the oction or proceeding (0 b~dismissed \\iL" J ruling that. in lender'sgcod failh determination. precludes forfeiture of Ihe adrrowe:'s interes, in the Property or other malerial impairment of the lien created by this Security InstPJment 0' Lender's securi~' interest. Borrower shall also be in defaull if Borrower, during the loan application process. gave materially false or inaccurate ini'ar::!Jtion or statements to Lender (or failed to provide Lender with any material information) in connection ',\ith the loan e\'idenced by the ~oce, including, buc notlimiced to. representations concerning Barrower's occupanc)' of Lie Property as J principal resider:..:e ffthis Security fnstrument isona lc:!sehold. Borro',\'e: sha!1comply wilhal! the pro\'isionsofthe (C3se, IfBorro\\:e: 3CCiutrcs fee tit!~ :.:J ~hc Property. the k:asehold and the fee title sh~!! not merge unless Lender agre~s to the merger in ','. riting. ;. Proteccion of lender's Rights in the Propert~.. lfBorrower fails to perform che CO,"MntS and agreements comainecl in this Securi~.' Instrument. or there is a legal proceeding that may significantly a.E!'ectlender's rig:m in the Property (such as a proceeding , in bankruptc)', procate, for condemnation or forfeicure or to enforce taws or regu!Jcions), then lender may do and pay for whatever I.... is necessary co protect che value ofthe Property and lender's righls in the Property. lender's actions may include paying any sums secured by a lien which has priority over this Security Instrument, appearing in court. pa~;ng reasonable attorneys' fees and emering ,. on the Property to make repairs. Although lender may take action under chis paragraph 7, lender does noc have to do so. ' Any amounts disbursed by lender un.der this paragraph 7 shall become addicional d~bt of Borrower secured by ,his Securit)' Instrumem. unless Borrower and Lender agree to olher lenns of payment, these amounts shall bear imerest frem the dace of disbursemem ac ihe Noce rate and shall be payable, with interest, upon notice from Lender to Borrower requesting paymenl. 8. Mnrtgage Insurance. [f Lender required mortgage insuranse as a condition of making the loan secured by this Security Instrument. Borrower shall pay the premiums required to maintain the mortgage insurance in effecl. If. for any reason. che mortgage insurance coverage required by: lender tapses or ceases to be in effect. Borrower shall pay the premiums required to oblain coverage substamially equivalenc to che mortgage insurance previously in effec:, al a cost substantially equivalem co the cosC te Borrower of the mortgage insurance previously in effect, from an alternate mortgage insurer approved by lender. [f substantially equivalem Ii..... mortgage insurance covcrage is noc available, Borrower shall pay co Lender each month a sum equal to one,twelfth ef the yearl~' ~ mQrtgJge insur3:::~ premium being paid byBorrower I,l,"hen the insurance coverage lapsedor:eJscd to be in eff~ct. Lend:::: will Jccept. use and retain .these paymems as a loss reserve in lieu ef mortgage insurance. Loss r~serve payments may no longer ce required, at theopcion of Lender. if mortgage insurance coverage (In the amoum a.~d for the period that L~nder requires) prc\ided by' an insurer appro\cd by Lender a,pin becomes available and is obtained. 80rrc'.\~r shall pay che pr~mlums required to maimatn mJj,ortgage . .. """'IN1 '141/ PE~;o.;SYt"".\~l-\. S~::~l..: ~.tmil:-' .f-.:O"..\IA.,FflL~ICt'~.lfOR.\1 t:-tSTRC;\IE:'<i~' I n~ tlals: , 1I ~ '.1'1" '. \-:-.rp.6R{p.\J ~')~:ljiF'lnn JOJ'.> "/90 .\mcntJed 5.91 Page 3 of 6 .?:u.DEE,D LO~~ ,: 98-02617 Insurance in etTecl. or 10 pro,'ide a loss rese"'e. until the requiremenl for mortgage insurance ends in accordance with any wtittc agreement b.:t"een 80rrower and Lender or applicable law. 9. Inspection. Lenderor its agent may make reasonable enlrks upon and inspections of the Property. Lender shall give 80rro'.I' nct:.:.,: Jt the t[~~ o( or prior co .:1:1 l:1spc:tion spc::if,ing ren5C'nJbl~ cause for the inspc::00rt. 1.1. CQndemn:ltion. The prcceeds of an:.. award or claim ;'" damag'~s. direct or consequenual. in conneci'~n with ill: conde",na"on cr ot~er taking oCJ")' parr at" the Preperty, or for cenveyance in heu of condemnation. arc hereby assigned and sha. be ~Jid co Lender. In the evene ofa total taki ng of the Property. the proceeds shall be apphed to the sums secured b}' chis Security rnstrument. whethe or not then due. with any excess paid to Borrower. In the evenl of a partial taking of the Property in which the fair market value c I the Property immediatel)' before the laking is equal to or grcater than the amount of the sums secured by this Secl!rit;. [nstrumer, I immediately b.:fore the taking. unless Borrower and Lender othemiseagrec inwriting. the sums sccured by this Securit;. [nstrumer. . . shail b.: reduced by the amount of the proceeds multiplied by the fOiloVoing fraction: (a) the total amount of the sums seCUrer I.' immediately before the taking. divided by (b) the fair market value of the Property immediately before the taking. Any balance sh:!! . b.: paid to Borrower. In the evcnt ofa partial taking of the Property in which the fair market "alue of the Property immediatel)' befor . the taking IS less L,an the amount of the sums secured immediately b.:fore the taking. unless Borrower J.Ild ~ender othe:wise agre . in '.v-:iting or unless applicable law othem'ise provides. the proceeds shall be applied to the sums secured by L'lis SecuritylnslrUmec. wheL,er or not the sums are ther. due. . [[the Property is abandoned by Borrower. or if. after notice by Lender to Borrower that the condemnor offers to m3.~e an aware or settle a claim for damages. Borrower fails to respond to Lenderwithin 30 days after the date the notice is given, Lender is authorize! to collect and apply the proceeds. at its option. either to restoration or repair of the Property or to the sums secured by L'lis Securi~ rnstrurne:u. whether or not then due. Unless Lender and Borrower othe",ise agree in woting. any application of proceeds to principal shall not e.xtenc or postpon, the cue date of the mOntl-Jy pa)ments referred to in paragraphs I and 2 or change the amount of such payments. II. Borrower :\'ot Released; Forbearance By Lender Not a Waiver. E.xtension of the time for payment orr.:e,:iJication~: arr.or:ization of the sums secured by this Security Instrument granted by Lender to any successor in interest cf3orrc'.ver shall naY; operate to rc!ease the liabIlity of the original Borrower or Borrewer' s Successors in interest. Lender shall not be required t., commenc, ! f proce~dings against:lIlY suc::e5S0r in interest or refuse to extend time for pa}mentor otheC\\ols: modiI)" amortization of the sumssccuce:: j i by this Securir/ Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. An:. . forbeara!:ce by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. r l~. Successors and ....ssigns Bound.: Joint and Several Liability; CO-signers. The covenants and agreements of this Securir:' !. Instrumen: sha!1 bind and benefit the successors and assigns of Lender and Borrower. subject to tho provisions of paragraph!:. Borrewer's covenants J.Ild agreements shall be joint and several. Any Borrower who co-signs this Security Instrument out does not execute the >;OIe: (a) is co-signing this Security Instrument only to mongage. grant and convey that Borrower's interest in t~e Propen: under the terms of this Security Instrument; (0) is not personally obligated to pay the sums secured by this Seeuri~..lnSL""::tent; a.~c. :, '1 (C) agrees L1at Lender and any other Borrowe!' may agree to extend. modiiY. forbear or make any accommcdations \\::'1 regard tc the terms of this Security Instrument or the >;ote without that Borrower's consent. 'I 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges. and L,at !nw is tbally interpreted so that the interest or other loan charges collected or to be collected in connection with the !ean exceed Ihe permitted limits. then: (a) any such loan charge shall be reduced by the 'amount necessary to reduce the charge to the permitted limit: and (b) J.Ily sums already collected from Borrower which e.<ceeded permined limits will be refunded to Borrower. Lender may choose to make this refund by reducing the prinCipal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal. the reduction "ill be !reaied as a partial prepa)ment "ithou! any prepayment charge under the Note. 14. Notices. Any nctice to Borrower provided for in this Security Instrument shall b.: given by delivering it or by mailing it by ! lirst:!ass mail unless applicable law requires use of another method. The notice shall b.:directed to the Property Addressor any other i address Borrower designates by notice to Lender. Any nOlice to Lender shall be given by lirst class mail to Lender's addem stated I heroin or any other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall b.: . deemed to have b.:en given to Borrower or Lender when given as provided in this paragraph. I IS. Go"erning Law; Se"erability. This Securiry Instrument shall be governed by federalla\\' and the law of the jurisdiction in I which the Property is located. In the event that any provision or clause of this Security Instrument or the. Note conflicts with applicable ~ : ' law. such contlict shall not affect other pro"isions of this Security InSlrUment or the Note which can b.: given efrect '.Iithout the ~. conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be sev':rabk Iii. BQrro\\er's COP)'. Borrowe!' shall be given one conformed copy of the Note and of this Securi~,'lnstrument. 17. Transfer of the Pro pert). or a Beneficial (nteresl in Borrower. rfall or any part of the Property or any int'~res[:n it is sold or transt~rred (or If J beneliciallOlerest in Borrower is sold or transferred and Sorrower is not a natural person) ....itneut Lender's pncr wr:tten Co!:sent. Lender may. at its option. require immediate payment in full of all sums secured oy this Security lnstrument. PE~:"SYLv.,:,,[,\. SlOg!, ,'und~' .F~.\[.~FIfI.\[C r;,~[FOR.\tl~STROIE~T Initials: Iivr1 [1f,/ \':\l?&R(P.\j (9-l ;1).. FQnn Jl)J'J 1)11)1) .\m~ndcd 5191 Page.J or 6 ?ALDEED ! , :: , lOM ,: 98-02617; However. this option shall not b~e.~ereised by Lender ife.~ercise is prohibited by federal law as ofthedateofthis S~curity Instrument [f Lend~r ex~rcises this option, Lender shall give Borrower notice of accel~ratlon. The notice shall pro,'id~ a pene~ ~r"not les.' than 30da~ s from th~ date the notice is deli....ered or mailed within which Borrower must pay all sums secured by tc,s S~CUn~, bstn,",cn:. If Sorrower fails to pay these sums pr:or to the e.'plralion of this period, Lender may' in....okc an~' remedies ;~;;nllted i::. thts S~=Uti~.- [nsrrumcnt \\iilhout furth~r not:..:::: or d~mand on BomJ\\;;:r . l~, Borro"er's Right to R~instate, [f Barro..-Ier m~ets eemin :onditions. Borrower shail have the right to have ':-.;'or;:emen' of this S~curity [nslrumentdis;:Ontinued atany time priorto the~arli~rof: (a) 5 days (or such other p~riodasapplieable law may Speeir\ for reinsL1tement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) .nll)' of; judgment enforcing this Securi!)' InsU1Jment Those conditions arc that Borrower: (a) pays Lender all sums which then would be due under this Securi!)' Instrument and the Note as if no acceleration had occurred; (b) cures any default of any oth.er ;:o....enants 0' agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonabie attomevs' fees: and (d) takes such action as Lender may reasonably require to aSSure that the lien of this Security Instrument, Lendcr's righl': in the Property and Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upor. reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully efTecli\c as if nc acceleration had cx:curred. However, this right to reinstate shall not apply in the case of acceleration under paragraph!-. 19. Sale of Notet Change of Loan Ser..ieer. The Note or a partial interest in the Note (togethe",iththis Security !nS""1.lment; may be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as tll. "Loar. Ser;icer' ') that collects monthly payments due under the Note and this Security Instrument There also may be one or mor~ change! of the Loan Servicer unrelated to a sale ofthe Note. [fthere is a change of the Loan Servicer, Borrower \lill be given wrin~n notice ofth. chang~ in accordance .....ith paragraph 1 ~ above and applicable law. The notice lIill state the name and address of the o~1V Loan Ser;'icer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances, Borrower shall not cause or permit the presence, use, disposal, storage, or release of any P..1Zardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything affecting the Property that is in \iolation of any EmironmentaJ Law. The preceding two sentences shall not apply to the presence, use, or storage on the Proper:y of small quantities oi Hazardous Substances that are generally recognized to be appropriate to normal residential use, and to maiorenanc: of the Property. Borrower shall promptly give Lender wcinen notice of any investigation. claim. demand, lawsuit or other ac~"n by any governmental or regulatOr)' agency or private party involving the Property and any Hazardous Substance or Environ:ne;::.l1 Lawoi I' which Borrower has actual knowledge. !fBorrower learns, or is notifi..d by any governmental or regulatOr)' au:horit::, tllata;::: removal or other remediation of any Hazardous Substance arTecting the Property is necessary. Borrower shall promptly take all n~cessar:: remedial actions in accordance with Environmental Law. ::. As used in this paragraph 20, "Hazardous Substances" are those subsL1nccs defined as toxic or hazarcous suc:s:3nces by I' Environmental Law and the following substances: gasoline, kerosene, other flammable or to.,ic petroleum products. to.,;: ;-:sticices ! and herbicides. ,'olatile solvents, materials containing asbestos or formaldehyde, ar.d radioactive materials. As usod in ttus ;3:agraph 20. "Enviror.mental Law" means federal laws and laws of the jurisdiction where the Proper::.' is located that relate to he3:~1. saf~ty i or environmental protection. r, !'o:ON-L"lFORM COVENA.'iTS. Borrower and Lender further covenant and agree as follows: ii 21. Acceleration; Remedies. Lender shall gi,'e notice to Borrower ,rior to acceleration following Borrower's breach of i. any co,'enant or agreement in this Secul"ity Instrument (but not prior to acceleration under paragraph 17 unless applicable law pro"ide. othenvise). Lendersball notify Borrower of. among other things: (a) the default; (b) the action required to cure i the default; (c) when the default must be cured; and (d) that failure to cure the default as specified may result in acceleration 'I'" of the sums secured by this Securit). Instrument, foreclosure b)' judicial proceeding and sale of the Pro pert)., lender shall fur-her infonn Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the I non-existence of a default or am' other defense of Borrower to acceleration and foreclosure, If the default is nor cured as I specified, Lender, at its option, ~ay require immediate payment in full ofall sums secured b)' this Security Instrument without r further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all I expenses incurred in pursuing the remedies provided in this paragraph 21, including, but not limited to, attorneys' fees and I.- costs of title e,'idence to the extent permitted by applicable law, I. i. 22. Release. Upon payment of all sums secured by this Security Instrument. this Security Instrument and the estate :on"eyed . shall ten;ninate and becom~ "oid. After stich occurrence, Lendcr shall discharge and satisfy this Secumy [nltnlment \l1thc", :harge ':. to Borrower. Borrower shall pay any recordation COS!s. I ! 23, Wai..ers. Borrower, to the e.'!ent permitted by applicable law. wai..es and releases an~' error or cefec!s In prc::':tng~ to I I.' enro"e thiS Secumy Instrument. and hereb~ \\ai\'es the benefitofan~ prcscnt or future la"s p(onding for sla:"of.~.'ecutlon. ':,~cnSlon I: ofllmc, excmptlon from auachment. by and sale, and homestead exemption.. '. I' . E """l" . "ti'l'l":' i:!M I, .{ p ~.,~ I ...\.'il.\. Smgh: F.llTllly .f:'li~r.\.. FIU..\[C r~IFOR~r (~STRI..'\IF.~T Initials: JI c:r;rll '''DEEO I, ....~IP.6R(P." (9411)) Form JOJ9 9'90 ."",od,d ;,91 P.ge 5 of 6 ..~ r t- LOAN .. 9S-02617: 24. Reinstatemenl Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one hour prior to th commencement of bidding at a sheriff's sale or other sale pursuant to this Security Instrumen!. 25. Purchase :'olone)' ~Iortgage. [fany of the debt secured by this Security Instrument is lent to Borrowcrto acquireutle to lh Property, this Security Instrument shall be a purchase money mortgage, I, 26. Interest Rate After Judgmenl. Borrower agrees that the interest rate papble after a judgment is entered on the ~jo!e or i: (, an acuon of mortgage foreclosure shall be the rate payable from time to time under the Note, !', 27. Riders to this Securily Instrument. [fone or more riders are executed by Borrower and recorded logetherwith this Securir t [nstrument, the covenants and agreements oreach such rider shall be incorporated into and shall amend and supplement the Covenant: ( and agreements of this Security Instrument as if the rider(s) were a pan of this Securit)' Instrument, I' [Check applicable box(es)] " I CXJ Adjustable ~te Rider c::::J Condominium Rider , c:::J 1-1 Family Rider ,. C:=J Graduated Payment Rider c::::J Planned Unit Development Rider c:::J Biweekly Payment Rider , C:=J Ballcon Rider c::::J Rate Improvement Rider c:::J Second Home Rider i C:=J V."". Rider CJO Other(s) [specify] PREPAY RIDER; ADDENDUM TO ARM RIDER I ""ON"G "LOW, Bo=." ~P" ,.. ,,=oo ... ,,~'"" ro'~" ro."',"" i. ,hi> S,,""" [",~m.", '"'" ' an)' rider(s) executed b)' Borrower and recorded with it. Witnesses: Y-- (]~\Ul~ C)')''\~''A\ DANIEL D. NEWCOMER .-" I /7 ; -/ flt<~C.i/.r>'L-Y HLEEN A. NEWCOMER . _ 0 ~ -..;7 - 1'( Certificate of Residence I. of th~ \\i!hin..nJ:i:~d ~rongagee is 23046 AVENIOA CARLOTA 3FL, LAG~ HILLS, Wit.~ess my hand this s)'{:', day of :';.-;",:" _..(. - 'J do hereby certifY that the correct address CA 92653,. . ,', j '~i:"(_<: , ....... . .ir. " '~""I' ~'. \......( ,/ ''/'- - /' I, V AgO::::l 'Jt~lor:g3gee COM~IONWEAL THOF PENNSYL V ANL.\., ~n this: t~e S-J...i-- day of ~~ J.:O-~ O. )~\.,c...C"I"u.- , j)C~~ Count)' ss: 1'1'18 before me. the undersigned officer. personall~' appeared ,7- "\ ( " d-d'\~'- q. I0.Q..U.,C,u1.....;" ft,!"...' known to me (or ;atisfactorily proven) to be the person6 instrument and acknowledged that -\::'u..,...y . eN WITNESS WHEREOF, [hereunto set m)\hand and official seal, My Commission Expires: whose name..s. c:.............. subscribed to rhe wit.'1in executed the same for the purposes h~rcin cotlta.itled, !QoL / Titl~of Nor ~RIAL SEAL . . K ,;:,'.',:";R. Notary PubliC tf:c"Millersburg, Da'Jphin oun y. 2000 My commission Expues Feb. 12, ?..\LDEED PE....:-IS\.LV,\:-IIA. Sin!!, i',mily .F:-I~l.VFIIL~IC t::-IIFOR.\( ti'lSTRU~tE:-IT V~IP.6R(P,\; (9';:0) h<m JOn 9190 ""'.nd,d sm Page 6 of 6 ..... (",I [I": .'J ..'_. ,. I..: 1.1 .I ~:~ I 8~~~ Cj)~ c:.:\' .-.. U.1L. cell' C .1 L', 1-' L:.. lJ. ('~. '.0 <.n ~ ~ ~ '5 (J o '<i ~ '::I- '"r ill ~ [ ~ e ~I ~ <t! I ; .l'J ~ ~ I . '" " 0 ~ ~ i ~ ~ ~ ~ .I~ . ru _ . 0 ... 1-;:: i I ~~~~ ~ ~~ I 00 :> ~ ~~. ~ ...l ~ 7. ~ Jii~ )n ! il I - - ~ ~.~~:2 ~ , . HMIl'llll.AO-S;S;ILg.'OCS;fLg'JO'tS;ILQ ON r.110J.'O:lnldnS '''031 ]1"1$"''1'' '. ''> ~ 'R I' -.I ~ " ~J :r- '-....J u ~ ---!j , ~ - ~ fr; to to ~ :::?- C'": t or.!. /: t-.... CJ-. ,..,.. r.:: ,;~"'..:.' 0 C)~: :c- -- UJ::.,: ~ ~ ~2("} .r- \:.S~~. rr- :to 0: 2 t.)~:l eP ';'?'i.D 1 ~ -g C\tj; .::1:;0: UJLl. - (.....;.. 0.:. ~lU ~- lDCO ~ LL- _.- :::.> G?O- "'r- c:..J (: -, u. 0" ::J 0 0" (J @ (\; . "\...'....;..... >- \..C) ~ C'-.. I::: u.\Q c"": ~2ti \:t :1: ci: ~r~~ In wc:;.~ du' u-;-;::. S t-. --'} ll_ CJ' o Ci\ ~ ;~,~ ^:Si~ itjr3~J (:f. c.. =) U -1'--- { ~~ ?!f:. --0 . : :: :::; '" ..J :: c5 j .....J :: ~ ~ :e : .- 1L = :r 0 0 0 0 0 0 Ij) 3 9~ l.n :j' 0 0 . - s . . co fJ" . if If) rfI -j"" \~ ~ :r r<J <J) . . ~ jj (5 '\:.'- .. 1"- ~ f'.... 0- ::z: -- ~ ~~ o 0J.. >- <!) ">. ~ M [-- " e- ::).,- LU~~ M ~3~~ C)C~ ::...:: G:.~._' "- ..'> ~~ ~21~ (. 1.1"1 r~'. .~)% t ..~. 11,'-1., ~:c.: ~~!:; :5 :.uto ('7JQ... 1-' -, .,:;E 1-'- 0) ':':J 0 0) <.) i" .'*\1'._' , .. A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (lO) days of the date it is filed, Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST yOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD. TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away, A lawyer can advise you more. specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania l70l3 Phone (7l7) 249-3166 THE LEGAL RIGHTS YOU MAY HAVE ARE: , 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has ent,ered jUdgment against you, You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. >- Ul G O. (""l <( .< ,.. <'-: :~i~ UJ(;' QC") ..,... I:t:r:: <:t "')~J ~~:; In :~~ {1j "'u' l.LJ. Ct: ;;;-.: -:-1(1 ",,;~ ;~.lUj CL.':; ;::, ~ .T.l CI... r.. _. -, :,,~ u. cr, -..) 0 en 0 .... ~-" . 04 '-v. ,. . A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more speCifically of these rights. If you. wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania l70l3 Phone (717) 249-3166 THE LEGAL RIGHTS YOU MAy HAVE ARE: l. You may file a petition. with the Court of Common Pleas of the within County to open the jUdgment if you have a meritorious ' defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Com~on.Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. \1),- , ~' ....... . ' . , >- If) f;: ~ C";' [.-':: eN 5 !oJ..!? C>:::; ~~~~:::; -- D:::t ::l.. C~~ ~E ,.~". )- -..;j" .-- (I) :5z , ;:-cz IT: ~.~::.. Cl:: LULU F=: =.; aJn. :C :J:: lJ.. ::;) 0 0 U ~...- , - ,- .;;:\- ,~ ..:} I ' , - ~---) '0 rO....::J- ~,~ ~ '- N 1 ~ C:i.... ~ .~~ ~ ".....':l r-- ~ '- ~ $: '~ ...,., - '<:l - -, "'" -" I I I I (:), I .~ i ~i0 <J G" ~I,~'\ .... ) ....-.... (; >- U') ?: 0:; , c.-, ...:t. -7 >e- N 5<( n w...1:;;'-. ;;-'7": (;1,\ :r:: ...) ::[~ 7_~': ';1 ~~ C'_ ,"'.:):::J ();..::-, ::2;fj) R:~};' .;l' ';~)~ \:c:~~ fi:~~: n-; uJU..I ~:, COn.. ,:..: -;;:; :;.~ u. :;:) () c:> U ,.... '... ;, governmental or corporate entities or agencies being entitled to recei ve part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance wi th this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, PennsYlvania 17013 Phone (717) 249-3166 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered jUdgment, against you. You may also file an petition with the same Court if you are aware of, a legal defect in the obligation or the procedure used against you. ' 2. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. This petition !1UST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. 3. A petition or petitions raising the legal issues or rights , ~ If) r- C; 1"V:. "'-- ;.0"': ,-- N :;:)",- n r~~;l C):::~ :1:: 0'<" :~- ,,- r.~~ 1. ~~_ i . ~ - ':~i: f,;; L_J.'.- _..J:'?:: I.ql_.. n:: r~z . i~~: ~<.: 1111.1J ~.!.: (I) 0.. j--:": -' ~- ~...:. lL ::;) 0 c U NOVASTAR MORTGAGE, INC. Plaintiff vs. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 99-798 CIVIL TERM DANIEL D. NEWCOMER AND KATHLEEN A. NEWCOMER Defendants CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE RELIEF FROM STAY governmental or corporate entities or agencies being entitled to recei ve part of the proceeds of the sale received and to be disbu:::-sed by the Sheriff (for example, to banks that hold mortgages and Inunicipalitiesthat are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 Phone (717) 249-3166 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious def~nse against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale for a grossly inadequate price or for other proper cause. "This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. 3. A petition or petitions raising the legal issues or rights LEGAL DESCRIPTION ALL TIlI\T CERl'lIlN lot or tract of land. known and. designated as Lot No. e, Block "B", Plan No. 4 of Indian creek, Hampden 'l'oWnShi~ C\Jnberland. COunty, Pennsylvania, as preparei' by D. P. Raffenspe>:qer, Registered SUXVeyor, date;d Septenl:er ,10, 1969 and filed in the Recorder of Deeds Office of C\Inberland COunty on Decembel' 3, 1971, in Plan Book 22, Page 139. BEXlINNING at a point on the ~stem line of Beaver Drive at the dividing line between Lots No.8 and 9, said point being 681.62 feet northwest of the ' southwest comer of Indian Creek and Beaver Drive; thence by Lot NO.9, South 61 degrees 30 minutes West a distance of 150.0 feet to a point at lands nt:M or fOlrrerly of the Realty Ca11pany of pennsylvania; thence by s~ North 28 degrees 30 minutes ~1est a distance of 85.0 feet to a point at Lot No.7; thence by sarre North 61 degrees 30 minutes East a distance of 150.0 feet to a point at the weotern line 6'f Beaver Drive; thence by sane South 28 degrees 30 minutes EaSt a distance of 85.0 feet to the place of BEXlOOING. HAVING THEREON ERECTED A DWELLING KNOWN AS 217 Beaver Drive, Mechanicsburg, Pennsylvania BEING THE SAME PREMISES which Pennsylvania-Delaware District Council of Assemblies of God f/k/a Eastern District Council of the Assemblies of God, by its Deed dated March 4, 1988 and recorded in Cumberland County Deed BookF33, Page 518, granted and conveyed unto Daniel D. Newcomer and Kathlee'n A. Newcomer. TO BE, SOLD AS THE PROPERTY OF DANIEL D. NEWCm~ER AND KATHLEEN A., NEWCOMER UNDER JUDGMENT NO. 1999-798 CIVIL TERM PARCEL NO. 10-20-1846-,005 '>"': ..;l' ?;; a; C,I .a. 5/ '0 9 w.J --," . t5?; ~2n ::lC H- 5: ..::: 0:3 .,."", r-)!'." ::-;&3 '1. () If) , Ir.:; '.:12- tu',- I CC7 ;:! t 1,1 _. ullD "'-' I".!-'M\. ::::> rJJ:l- r.:: .,., :':~ IL. ::J '.5 0 0 . ~.., ,..-....... NOVASTAR MORTGAGE, INC. Plaintiff XN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 99-798 CIVIL TERM DANIEL D. NEWCOMER AND KATHLEEN A. NEWCOMER Defendants CIVIL ACTION - LAW - IN MORTGAGE FORECLOSURE RETURN OF SERVICE I hereby certify ~hat I ha(pe d~osited in the u.S. Mails at Harrisburg, pennsyl van~a on ;/7 - '( 1 ,a true and correct copy of the Notice of Sale of Real Estate pursuant to PA R.C.P. 3129.1 to the Defendants herein and all lienholders of record by regular first class mail (Certificate of Mailing form in compliance with U. S. Postal Form 3817 i.s attached hereto, as evidence), and also to the Defendants by Certified Mail, which mailing receipts are attached. Service addresses are as follows: Daniel D. Newcomer 217 Beaver Drive Mechanicsburg, PA 17055 Kathleen A. Newcomer 217 Beaver Drive Mechanicsburg, PA 17055 Ford Consumer Discount Company 11311 Cornell Park Drive Suite 300 Cincinnati, OH 45242 Jill E. Jachera, Esquire 100 Overlook Center Princton, NJ 08540 Pennsylvania Housing Finance Agency 2101 North Front Street harrisburg, PA 17105 DOMESTIC RELATIONS OFFICE 13 North Hanover Street Carlisle, PA 17013 By PURC L, KRUG & HALLER Att neys for plaintiff 1719 North Front Street Harrisburg, PA 17102 (717) 234 -4178 A SCHEDULE OF DISTRIBUTION, being a list of the persons and/or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and' municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained' from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifi.cally of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 Phone (717) 249-3166 THE LEGAL RIGHTS YOU MAY HAVE ARE: I I 1 1. You may file a petition with the Court of Common Pleas of the within County to open the judgment if you have a meritorious defense against the person or company that has entered judgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of ,the withi.n County to set aside the sale for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED IS DELIVERED. >- , a:l '>- ~ C,l f_ -, 1-:::- "') lUQ ~ 0$ 0<, {:tSJ ~".,. :_121: ' -'". c.. (J.::.:i S'jt.;~ C';l ,(g~ c),_.~ Ii.l":, C"; ~!~!:; ~S it.i;1j COC.l. /"-. q.:~ ~ I.J.~ C". ::.> C) 0", (.) . , Novasart Mortgage Inc. VS Daniel D. Newcomer and Kathleen A. Newcomer In the Court of Con un on Pleas of Cumberland County, Pennsylvania No. I 999-798 Civil Michael Barrick, Deputy Sheriff, who being duly sworn according to law, says on April II, 2001 at 10:12 o'clock A.M. EDST he posted a copy of Real Estate Writ Notice Poster and Description on the property of Daniel D. Newcomer and Kathleen A. Newcomer located at 217 Beaver Dr., Mechanicsburg, Cumberland County, Pennsylvania according to law. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, says on April I I, 2001 at 10:12 o'clock A.M. EDST, he served atrue copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one of the within named defendants to wit: Daniel Newcomer, by making known unto Kathleen A., Newcomer, wife at 2 I 7 Beaver Dr., Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same. Michael Barrick, Deputy Sheriff, who being duly sworn according to law, says on April 11,2001 at 10:12 o'clock A.M. EDST he served a true copy of Real Estate Writ Notice Poster and Description in the above entitled action upon one of the named defendants to wit: Kathleen A. Newcomer, by making known unto Kathleen A. Newcomer at 217 Beaver Dr., Mechanicsburg, Cumberland County, Pennsylvania, its contents and at the same time handing to her personally the said true and attested copies of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law says he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Daniel D. Newcomer by regular mail to his last known address, 217 Beaver Dr., Mechanicsburg, P A. This letter was mailed under the date of April 12, 200 I and never returned to the Sheriff's Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the above Real Estate Writ Notice Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to one of the within named defendants to wit: Kathleen A. Newcomer by regular mail to her last known address, 217 Beaver Dr., Mechanicsburg, P A. This letter was mailed under the date of April 12, 2001. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that after due and legal notice had been given according to law, he exposed the within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Pennsylvania on June 6, 2001 at'1 0:00 o'clock A.M., EDST. He sold the same for the sum of $95,000.00 to Attorney Sharon Dunn for Novastar Mortgage, Inc. it being the highest bid and best price received for the same, Novastar Mortgage, Inc. of 1900 West 47th Place, Suite 205, Westwood, Kansas 66205, being the buyer in this execution, paid SheriffR. Thomas Kline the sum 01'$2915.90, it being sheriff's costs. TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 43 Held Wednesday, June 6, 2001 Date: June 6, 2001 TAXES: Receipts for all taxes for the years 1998 to 2000 inclusive. Taxes for the current 'year 2001. WATER RENT: SEWER RENT Company assumes no liability for private supply of water or sewer. Receipts to be produced if services are lienable. MECHANICS' AND Possible unfiIed Mechanics Liens and Municipal Claims. MUNICIPAL CLAIMS MORTGAGES: Listed Under Other Exceptions Below. JUDGMENTS: Listed Under Other Exceptions Below. INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to dated , 2001, and recorded ,2001,in Cumberland County Deed Book ,Page RECITAL: BEING the same premises which the Pennsylvania-Delaware'District Council of Assemblies of God by Deed dated March 4, 1988 and recorded March 8, 1988 in the Office of the Recorder of Deeds in and for Cumberland County in Carlisle, Pennsylvania in deed Book "F", Volume 33, Page 518 granted and conveyed to Daniel D. Newcomer and Kathleen A. Newcomer, his wife. OTHER EXCEPTIONS: The identity and legal competency of parties at the closing of this title should be , established to the satisfaction of the closing attorney acting for this Company. Rights or claims of parties in possession, if any, other than the owner. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area and encroachments which an accurate and complete survey would disclose. ,I Payment of State and local Real Estate Transfer Taxes, if required. Public and private rights in the roadbed of Beaver Drive. Conditions, easements and restrictions shown on or set forth on Plan No.4 of Indian Creek recorded in Cumberland County Plan Book 22, Page 139. Building and use conditions and restrictions as set forth in instrument recorded in Miscellaneous Record Book 200, Page 718. Mortgage in the amount of $114,732.70 given by Daniel D. Newcomer and Kathleen A. ' " ~ TITLE REPORT THE PREMISES ENDORSED HEREON ARE SUBJECT TO THE FOLLOWING ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACTORY EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED. SHERIFF SALE NO. 43 Held Wednesday, June 6, 2001 Dale: June 6, 2001 TAXES: Receipts for all taxes for the years 1998 to 2000 inclusive, Taxes for the current year 2001. WATER RENT: SEWER RENT Company assumes no liability for private supply of water or sewer. Receipts to be produced if services are lienable. MECHANICS' AND Possible un filed Mechanics Liens and Municipal Claims. ' MUNICIPAL CLAIMS MORTGAGES: Listed Under Other Exceptions Below. ' JUDGMENTS: Listed Under Other Exceptions Below. INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to dated , 200 I, and recorded , 200 I, in Cumberland County Deed Book , Page RECITAL: BEING the same premises which the Pennsylyania-Delaware District Council of Assemblies of God by Deed dated March 4, 1988 and recorded March 8, 1988 in the Office of the Recorder of Deeds in and for Cumberland County in Carlisle, Pennsylvania indeed Book "F", Volume 33, Page 518 granted and conveyed to Daniel D. Newcomer and Kathleen A. Newcomer, his wife. OTHER EXCEPTIONS: 1. 2. 3. 4. 5. 6. J , . 7. 1 i j I 8. I I , r ( The identity and legal competency of parties at the closing of this title should be established to the satisfaction of the closing attorney acting for this Company. Rights or claims of parties in possession, if any, other than the owner. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in area and encroachments which an accurate and complete survey would disclose. Payment of State and local Real Estate Transfer Taxes, if required. Pu::>lic and private rights in the roadbed of Beaver Drive. Conditions, easements and restrictions shown on or set forth on Plan No.4 of Indian Creek recorded in Cumberland County Plan Book 22, Page 139. Building and use conditions and restrictions as set forth in instrument recorded in Miscellaneous Record Book 200, Page 718. Mortgage in the amount of $114,732.70 given by Daniel D. Newcomer and Kathleen A. ;,~-:-:-,...~" : ., governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example, to banks that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff of this County thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (10) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of the within County at the Courthouse address specified herein. THIS PAPER ISA NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. IT HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT AGAINST YOU. IT MAY CAUSE YOUR PROPERTY TO BE HELD, TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken away. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: Cumberland County Bar Association 2 Liberty Avenue carlisle, Pennsylvania 17013 Phone (717) 249-3166 THE LEGAL RIGHTS YOU MAY HAVE ARE: 1. You may file a petition with the Court of Common Pleas,of the within County to open the judgment if you have, a' meritorious defense against the person or company that has entered jUdgment against you. You may also file an petition with the same Court if you are aware of a legal defect in the obligation or the procedure used against you. 2. After the Sheriff's Sale you may file a petition with the Court of Common Pleas of the within County to set aside the sale 'for a grossly inadequate price or for other proper cause. This petition MUST BE FILED BEFORE, THE SHERIFF'S DEED IS DELIVERED. " 3. A petition or petitions raising the legal issues or rights -. : Pennsylvania Housing Finance Agency 2101 North Front Street harrisburg, PA 17105 5. Name and address of every other person who has any record lien on the property: UNKNOWN 6. Name and address of every other person who has any record interest in the property and whose interest may be affected by the sale: UNKNOWN 7. Name and, address of every other person of whom the Plaintiff has knowledge who has any interest in the property which may be affected by the sale: TENANTS IF ANY ... DOMESTIC RELATIONS OFFICE' 13 North Hanover Street Carlisle, PA 17013 Henry W. Van Eck, Esquire 2320 North Second Street P. O. Box 60457 Harrisburg, PA 17106-0457 (In the preceding information, where addresses could not be reasonably ascertained, the same is indicated.) I verify that the statements made in this Affidavit are true and correct to the best of my personal knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 PA C.S. Section 4904~ r,e,lt'i!ng to unsworn falsification to authorities. .// , :4': //.;:?/' , ----- . ,. Leon P. Haller PA I.D. #15700 Purcell, Krug & Haller 1719 North Front Street Harrisburg, PA 17102 (717) 234-4178 DATE: March 12, 2001 .., t. THE PA TRIor NEWS THE SUNDAY PATRIOT NEWS Proof of Publication UnderAct No. 587, Approved May 16,1929 Commonwealth of Pennsylvania, County of Dauphlnj ss James L. Clark being duly sworn according to law, deposes and says: That he Is the Acounts Receivable Manager of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with Its principal office and place of business at 812 to 818 Market Street, In the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of Iha Patriot-News and The Sundav Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, Counly and State aforesaid; that The Patriot-News and The Sunday Patrlol-News were established March 4th, 1854, and September 18th, 1949, respecllvely, and all have been conllnuously published ever since; That the printed notice or publication which Is securely attached hereto Is exactiy as printed and published In their regular dally and/or Sunday/ Metro editions which appeared on the 24th day(s) of April and the 1st and 8th day{s) of May 2001. That neither he nor said Company is interested in the subject matier of said printed notice or advertising, and that alt of the aile gallons of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequentiy duly recorded In ' the office for the Recording of Deeds In and for said County of Dauphin In 7c'allaneous Book "M", V;~:L11~:~;:~7. .......................;.........~.......r.................................................. . COpy Sworn to and subscribed before me this 21st day ay 1 A.D. .".."..".!l_ ALE #43 Notarial Sa.1 >.:.;.\ii,RE,4lESTATESAii,i~43"'" .,,:. T~~';;,~~:'~~~~~~~:,'I,"~~ :"":-~,t:;I:,"ak~WtltNo.:lftM'Mlt,',;,:;-l',~,'''(',';,:;.i. C I I E I J 62002 NO ARY PUBLIC ;~,i:;t~~}~~~,;~:J;(li);ClvfjT;;'rri"t~r:;:~':.:t~~~ti,.~}..\';,1 MV omm S5 on xp res une I ,~1~?iff~~ii~f~~~~,:%~i~t~.tJ:~.i~ Memblt, PennsYNanla Assocml~ 01 NOlaria.My commission expires June 6, 2002 ;/i~~~::~:":;!filh~~~n;e;.fJ!~';\';'I,}:?5J CUMBERLAND COUNlY SHERIFFS OFFICE '1,;,\,,' "'X(!,y,~t1y:!:eOn P. Hal!ep,V,\,;q:I:,e;a CUMBERLAND COUNlY COURTHOUSE -;;!;.'~: ...,;,.,~~t:.:'(~.:yDESCRIPTlON ~'-i -" ~,)'t ~~.,j t :;":' :;~;::' jJ 'i~;!~\f!~~:S~;~l~~~'~ Statem::tRLI:~E' ~A~e;;i:1i:9 Costs ,Cunlberland, ~o~n~~i14nsYh'rij(is pi,,~ I! .~~.p.,' ~afj, ';1~1p""rg";R<81'!,er~, d.SU,',IV~,", .r;.~",d To THE PATRIOT-NEWS CO., Dr. ,o;eJ.m,O' 'J969}nd)i1""~lh'R"9ril,(0(:' For publishing the notice or publication attached ~,h.."'."(fir,t,o(,'~Umberl'"di,COUn":.on j . !um:m""/ol971.I,np!.n,(l.o()k21,p'8Wi.!,';",.'f hereto on the above stated dales ;.BEgJN.MNf:'I;"pol~l~nlh,.,I\"'I'rii"lm"'-( i Probating same Notary Fee(s) ;~!~''JW,f,'II~,', dllid,"8Iine.beh'~to~; Total ,.Of~ir.:P ,~ld~lrilb'ln81!81.~fY!lri;rlhll'esli ,t.' RP~i~r'l~~\:~rr~'~~reT~r;~l,~~~97~~~h~~ri $ $ $ 261.45 1.50 262.95 Publisher's Receipt for Advertising Cost The Patriot News Co., publisher of The Patriot-News and The Sundav Patrlot.News, newspapers of general ,circulation, hereby acknowledge receipt of the aforesaid notice and publication cosls and certifies that the same have been duly paid. By....................................................................