HomeMy WebLinkAbout99-01922
SHERIFF'S RETURN - NOT FOUND
CASE NO: 1999-01922 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
HARRIS SAVINGS BANK
VS.
VANASDLEN LEE E ET AL
R. Thomas Kline , Sheriff, who
to law, says, that he made a diligent search
named defendant, to wit: VANASDLEN SARA E
but was unable to locate Her in his bailiwick.
being duly sworn according
and inquiry for the within
He therefore returns
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,
I
i
,.
i
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the NOTICE AND COMPLAINT IN
MORTGAGE FORECLOSURE
NOT FOUND ,as to the within named defendant
VANASDLEN SARA E
DEFT. NO LONGER RESIDES AT ADDRESS STATED, LEFT
NO FORWARDING WITH POST OFFICE, PAPER EXPIRED.
Sheriff's Costs:
Docketing
Service
Not Found Return
Surcharge
6.00
3.10
5.00
8.00
S~~
omas 1ne, 1
$~~.~u RICHARD C. RUBEN
05/04/1999
Sworn and subscribed to before me
this </ ~~ day of ~
19 9'9 A.D.
n Q, ~,~
~ ~rochonocary
HARRIS SAVINGS BANK,
Plaintiff
v.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99.
LEE E. V ANASDLEN and
SARA E. VANASDLEN,
Defendants
CIVIL ACTION . LAW
IN MORTGAGE FORECLOSURE
COMPLAINl:
AND NOW, comes Harris Savings Bank by and through its counsel, Richard C. Ruben,
Esquirc and states the following in support of its Complaint:
I. The Plaintiff is Harris Savings Bank, a Corporation organized and existing under the laws
of the Commonwealth of Pennsylvania and having its principal place of business at Sccond and
Pine Streets, Harrisburg, Pennsylvania 17101.
2. The Defendants are LEE E. V ANASDLEN and SARA E. V ANASDLEN, adult
individuals, whose last known address is R.D,#4, Box 257, Carlisle, West Pennsboro Township,
Cumberland County, Pennsylvania 171013.
3. Defendants on March 8, 1985, entered into a Mortgage loan indenture with Carlisle
Building and Loan Association, now Harris Savings Bank, in the principal amount of Twenty-
Three Thousand Nine Hundred Dollars ($23,900.00), the tcrms of which loan are more
specifically evidenced and sct forth in the Mortgage dated March 8, 1985, and recorded March
8, 1985, in the Cumberland County Recorder of Deeds Office in Mortgage Book 772, Page 60,
a copy of which is attached hereto and incorporated herein by reference as Exhibit "A" which
mortgage contains and is a lien upon the property situate at R.D. #4, Box 257, Carlisle, West
Pennsboro Township, Cumberland County, Pcnnsylvania 17013.
4. ^ copy of the Notc is attachcd hereto and incorporated hcrein as Exhibit "8"
S. Plaintiff, in consideration of thc said Mortgagc and Notc advanced to Lee E. Vanasdlen
and Sara E. Vanasdlen the sum ofTwenty-Thrce Thousand Nine Hundred Dollars ($23,900.00),
6. The prcmises subject to said mortgagc is more spccifically set forth in Exhibit "A".
7, Lee E. Vanasdlen and Sara E. Vanasdlen are the sole owners of the said premises securing
said mortgage,
8. Said Mortgage has not been assigncd in whole or in part by the Plaintiff herein.
9, That said Mortgage is in dcfault because Defcndants herein have failed to make the
following payments: payments of$307.S4 for the months of September through December, 1998;
and January, 1999 through March, 1999, late charges in the amount of $47.76.
10, The Plaintiff has given to the Defendants written notice of intention to foreclose on said
Mortgage as required by law under Act 6, dated January 6, 1999,
11. The Plaintiff has given writtcn notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated January 6, 1999.
12. That due to Defendants' default the entire principal amount of Twenty-Three Thousand
Nine Hundred Dollars ($23,900.00) has become due and payable, together with interest at the
current rate of 12.75% per annum, reasonable legal fees for collection of said sum in accordance
with the terms of said mortgage less such sums as have been paid on account of principal of the
said Mortgage and costs.
13. The Plaintiff believcs and thcrefore avers that reasonable attorney's fees for collection of
the debt is $1,000.00 and that it will incur such amounts.
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MORTGAGE
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TillS MORTGMiE ("Security In\lrulllelll" i. Kivell UII ...,.... .~&;-.qtJ. .6,..,..,.................. .
19. ..85. . The rnorlK"Kor i. .. LEE, E...VANI\SDLEN. and . SARA. E.. ,VAblASDLEN..................
,his .w.ifo,.......... ........,...,................... . ("lJllrrllWer"), Thi. Seeurily 11I.lrulII,nt is Kivelltll
CARLlSI.E nUll.lJING ANI> I.OAN ASSOt'lA.IION. whkh i, IIrgalli/ed and exisling under Ihe Inw. ur Ihe
Cllmmonwealth of I'enmylvnnia nnd whll.e address i. 17 We,l lIigh Slreet, enrli,le Pe1ln.ylvania 170IJJ"l.ellder''j.
nllrrower IIwes I.ender the rrinciral.om of .... 'j:',~~mty.. ~1;1~Q~, . 'J.',119,l!\l~I,l~ . f'I.1:-!1.q. .I!1,Inc;1~Q!l. , .. . . . , . .
.. . ....,.. . . . . . . . .. .... . . . .. . '. Ilollars /II.S. S. .23.,9.00.. O.Q, ., I, Thi. de"t is evidenced hy Horruwer', nllle
daled the same dUll: os (hill Securily Instrument ("Note"), which provides fur monthly paymcnu, wilh Ihe full dehl. irno(
paid earlier. duc und paYllhlc on ................................................. . This Security In!iitrumcnl
secures 10 I.ender: (n) the repayment of the debt evidenced hy Ihe Notc, with intercst, and nil rcnew..I~. cxtensiuns :lml
mndifiealinn.,: (h) Ihe payment "f all othersllms, wilh interest. adv'lIIced ullder rarugrarh 710 rruleetlhe security "fthi,
Securily In'trument: and (e) the rerformance of Borrower'. c"venant. and agreement. under this SeeurilY IIIIIrlllllenl
and Ihe NOle, For this rurpo.e, Borrower does hereby mortgage, grant and convey 10 Lender the following de.erihcd
rroperty loealed in ..., .cumberland......,......,......,...,................... Counly, Pelln.ylvania:
ALL THAT certain tract of land situated in Mt. Rock, TownShip of
West Pennsboro, County of Cumberland and State of Pennsylvania, bounded
and described as follows, to wit:
BEGINNING at a stone;thence by land formerly of Sara Danner, now of
Oren Kitzmiller, South 31 degrees East 7.1 perches to a post; thence
by land now or formerly of Floyd Bitner, South 85 degrees West 7.5
perches 1:0 an apple tree (blown down); thence by land formerly of
Levi Failor, now of Leib Myers, South 76 1/4 degrees West 20.3
perches to a post; thence by land formerly of John Seitz, now of Earl
Tritt, North 14 degrees West 8.7 perches to a post; thence by land
formerly of Levi Failor, now of Earl Tritt, North 82 3/4 degrees
East 25.5 perches to the place of beginning.
CONTAINING 1 acre and 70 perches, and having thereon erected a two
story brick house and outbuildings. LESS,HOWEVER, a piece of land
16 feet in width along west side of the above tract; containing 8.6
perches as the same is fully described in deed from Caroline McKeehan
to Abram Etl:er, dated June 13, 1916 and recorded in Deed Book L, Volume
8, page 447.
BEING the same property which Ira E. Mell and Mabel M.Mell" his wi~e,
granted and conveyed unto Lee E. Vanasdlen and Sara E.Vanasdlen, h~s
wife, by deed dated March 8,1985, and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book
which has the address of '..,'..., '..."....... ,R;:.r!:" ~!.. ~<;>~.. ?~?
ISlreel1
I'ennsylvania .1.7.013..".",."""..",. ("Prnperty Address");
IZlp Code I
",.".Cfl,J;';I..~~,J,~.
ICilYI
PLAINTIFF'S
EXHIBIT
A
TOGETHER WITH all the improvements now or hereafter erected on the propeny, and all easements, rights,
appurlenam.'es, rents, royalties, mineral, oil and gas righls and profits, water rights and slock and all fixlures now or
hercarrer a pari ofth. properly, All rerlaeements and addiliollsshall also be covered by Ihis Seeurily Inslrumellt. Alloflh.
foregoing is referred 10 in Ihis Securily Instrument as the "Property.u
BORROWER COVENANTS Ihal Borrower i. lawfully seised of Ihe eslale hereby cooveyed aod has the righl 10
morlgage, granl and convey lhe Property and that the Properly is unencumbered, except for encumbrances of record.
n"rrnwer warranls and will defend generally the tille to Ihe Prnrerly against all claims and demand., .ubject 10 any
encumbrances or record.
TillS SECURITY INSTRUMENT combines uniform covenants for national IJse and nUlHJI1iform covenanls with
Iimiled varialions by jurisdiction to constitute a uniform security inslrument covering real property.
PENNSYLVANIA-S;ng'e FamHy-FNMA/FHlMC UNIFORM .tNST,R~~ENT,'''n ;.
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,'. '...-:11 ".' If'lI . I, .., ^1~{"l.'Uln{"1
, ,,,.,,1 .; . ,", "'I I, t, I..." i".~ ".'
BUUK
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((,. PAGE
Form 3039 12/03
60
...
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UNllnKM ('nVI-NAN n Borrower and tender eovenanland a,rce a. rollow\:
I, Payment or Prlnflpal and Interest; Prtpayment and tate l'harKM, Bnrrower ,hall promplly ro)' whell dlle
Ihe priocirol or and inlernt nn Ihe debt evidenced hy Ihe Nole nnd ony prepaymenl and lale chor~.. due nnd<llhe N"le,
Z, .'undl ror Tlleland Insurlnee, Suhjeclln applicahle law", 10 a wrillen waiver hy '..nder, I~'rrnwer ,halll'a,'
10 trod.. on Ihe day monlhly poymenll ore due under Ihe Nole, unllllhe Nule il paid in rull, a .um ("Furlll,") <ll"all"
nn.'lweIFth or (a) yrorly I.... and a"e"men" which may allaill prinrily ""er Ihi, Srcu,") """lIInelll, (h) )'earl)
Ira.ehnldrayrnenl. nr I",und renl. on Ihe "",,,,,rIY, ir IIny; (c) yearly ha""d III'nran,'e IlIcllllunl\, a,"1 hI) 1"';IIly
mou,nlt IO\Ur01",,'(" rrC'mnHn"lrany. The,c itemli arc called "(,liernw Ilrlll":' I.l'rulcr may c'lllHalr the hUIII\ dllC' olllhc
N\!\ OrCllfIC'111 L1at.and ru\tmlhlr r'timRIC'\ orruturc C'Icruw item,
TIlt' Fund, ,hftll ~ held in an in~ljlution the dCfN)!\it!\ or an'lIunh or which lire ill\lu('d or ftuuranlccd hy It rl'tlC'T:1ll11
'111e Ilene)' (lIu:ludIflM Ltnder if Lender i, 5uch an in,titulinn). l.tndrr ,hall Dpply the Fulltl\ In pay Ihe:' c:,,,'WW lIelll\.
I.ender 1011)' nnl cJ,.rJC' (or holdintt and apr1ying Ihe Fund~, analYlillJ( the 8ccmml or verlryil1jC the '""'WW 1IC'1I1'. unlC'\\
I.cndrr ,"y' lIorrnwcr inltrC'\1 on Ihe FUlu.l!l and applicahle law rermih Lcnder 10 fIIltkt \Udl a ~h;arllc, lIorruwer :11111
!.,"der moy agrer in wrillng Ihal illleresl shall he paid (Ill Ihe Fnlld., UIlIt" '" agrWlltnl " llI.de or applkahlc law
rcquir.. inlere.ttn he paid, I..nder shall nol he required 10 pay Ilorruwer any illlere,r or wning. (In Ihe FUlld., !.ender
,hall give Inllorrower, w"houl charge, an annualaccounling orlhe I'und"hnwing credillalld debill wlhe Fund. alld the
pur"'l\e ror which cach d.hit to Ihe Funds was made, The Fund, arc pledged 1\ .ddilional ,ecllrily ror lhe ,um, seellrcd hy
Ihi. Securily In'lrumenl,
Ir Ihe an"""" or Ihe Funds he'd by Lender, logelher wilh Ihe rulure monlhly paym,nl' or Fund, payahle pri(lr III
the due d.les nrlhe escrow ilem", sh.llucecd Ihe .IlIUUlll re'luired III pay Ihe escrow ilem, whe" dlle.lhe exce" sll:11I he.
al Burrower's Orlinn. cilhcr promplly repaid 10 Borrower or creditcd 10 Burrower on monthly rOYRlenls nr Fund\. If lhe
amounl or Ihe Fund, held by Lender is nol 5ufficicnllo pay Ihe e'icrow ilen1!\ when duc, Uorrowcr lihllll Pl1Y In l.ender fill)'
amounl nrc~\ary 10 make up the denciency in one or more paymelllli a~ required hy LCllder.
Upon paymenl in full or all 'iUm!l secured by thi5 Securily JIIMrumenl. Lender shall promplly rdund In Borrnwer
allY Fund. held hy I,,"der, Ir under paragraph 191he I'roperly issold or acquired hy I.ellder. I,ende"hall apply. 1I1l laler
111311 immediately prim 10 Ihe sale of the Property or it5 acquisition by Lcnder, any FIIIII.b helll by Lender at the lime (If
applicalion asa credilagainsllhe sums secured hy this Securily Inslrumenl,
3, AppllCltlon or Payments. Uoless applicahle law provides olherwisc, an pay men " received hy I.end" under
paragraph, 1 and 2 shall be applied; fir", to lale charge,; due under the Nole; second. 10 prepaymenl charges dne onder Ihe
NOlc; third,lo.mnunls payahle under paragraph 2; rourlh,lo inleresl dlle; and lasl, 10 principal dllC,
4, Ch.rKes; Uens. norrower shall pay alllaxe5. 3!iSes'Cimcnlli, chnrg~. nne'i allll impositions nttrihlll:lhle In Ihe
I'ropcrty which may allain priorily over Ihis Security Instrument, and leasehold paynu:nl\ or ground rcnls, if allY.
Ilorrower shall pay Ihese ohligalion, in Ihe manner provided in paragraph 2, or irnol paid inlh.1 manner,llorrower shan
pay them on time direclly 10 the person owed paymenl. narrower shall promptly furnish 10 I.ender all notices nf3mount!\
10 be paid under Ihis paragraph. Ir Borrower makes Ihese pay men Is direclly. Borrower shall promptly ruroish 10 Lender
receipts evidencing Ihe payments.
norrower shall promptly discharge any licn which has priority over Ihis Security Instrumenl unless Borrower: (a)
agrees in writing 10 the paymenl of the obligation secured by the lien in a manner acceptable to lender; (b) conlests in good
railh the lien hy, or derends againsl enrorcement or Ihe lien in, legal proceedings which inlh, I.ender's opinion uperale 10
prevent Ihe enrorcemenl or Ihe lien or rorreiture or any part or Ihe Properly; or (c) secures rrom Ihe holder or Ihe lien an
agreement salisraclory 10 Lender suhordinating the lien to Ihi, Security Inslrument. IF L,"der del ermines Ihal any pari or
Ihe Property is subjecllo a lien which may allain priorily over Ihis Securily Inslrum,nl, Lender may give BIlrrower a
nolice identirying the lien, Borrower shall sali,ry the lien or I.ke one or more orthe aclions sel rorlh above wilhin 10 days
orlhe giving or notice,
5, HS7.ard Insurance. norrower shall keep the improvements now existing or hereafter erected on the Property
in!liiured againM loss by fire, hazards included within the lerm "extended coverage" and any olher halards for which lender
requires insurance. This insurance shall be maintained in the amounts and for the periods that lender requires. The
insurance carrier providing the insurance shall be chosen by Borrower subjecl 10 lender's approval which shall not be
unreasonahly wilhheld,
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.
Lender sh.1I have Ihe right 10 hold Ihe policies and renewals, Ir Leader reqnires, Borrower shall promplly give 10 Lender
all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance
carrier and Lcnder. Leader may make proor orJo" ir not made promptly by Ilorrower,
Unles!; Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied 10 restoralion or repair
or Ihe Pro""rly damaged, ir Ihe re'toralion or repair is economically reasible and Lender's sccnrity is not lessened, Ir Ihe
restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be
applied to the sums secured by this Security Instrument, whelher or not then due, wilh any excess paid to Borrower. If
Borrower abandons Ihe Property. or does not answer wilhin 30 days a notice from lender that Ihe insurance carrier has
offered to sell Ie a claim, then Lender may collect the insurance proceeds, Lender may use the proceeds tn repair or reslore
Ihe Property or 10 pay sums secured by Ihis Security Instrumenl. whelher or nollheo due, The 30,d'ay period will begin
when the notice is given.
Unless Lender and Borrower otherwise agree in writing. any application of proceeds loprincipal shallllot exlend or
postpone Ihe due date oflhe monthly paymenls referred to in paragraphs I and 2 or change theamount of the payments. If
under paragraph 19 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulli~lg
rrom damage 10 Ihe Properly prior to the aequisilion ,hall pass 10 Leader 10 Ihe eXlenl oflhe sums sectlred by Ihis SeclInly
Instrument immediately prior to the acquisition.
6. Preservation and Maintenance of Properly; Leaseholds. Borrowcr shallllot destroy, damage or substantially
change Ihe Property. allow Ihe Properly 10 deteriorale or eommil wasle, If Ihis Security Instrum,nl is on . leasehohl.
Borrower shall comply with the provisions of the Icase, and if nor rower acqtlire~ fee title to Ihe Properly, the leasehold and
fee title shall nol merge unless lender agrces to the merger in writing.
7, Protection of I.ender's RiRhts in the Property; Mort~a~e Insurance, If Horrower fails to perform lhe
covcnants and agreements containcd in Ihis Sccurily Instrument. or there is a legal procecding that may significantly affect
Lender's rights in Ihe Property (such as a proceeding in bankruptcy. probate, for condemnation or to enforcc );1\\IS or
regulalions), then l.ender may do and pay for whate~er is necessary to protect the. value ~rthe Jlrn~ert.Y and Lell~cr's rigl~ts
in the Property. Lender's actions may include paYlllg any sums secured by a lien wlllch has priority over thiS Sccurlly
Instrument. appearing in court, paying reasonable attorneys' fees and cntering on the Propcrty 10 make repairs. Although
Lender may take action under t his paragraph 7, Lender does not have to do so,
Any aO\(lunls di,bursed by Lender under Ihis p.ragraph 7 shall beeomc additional debl of Ilorrowe"eellred hy this
Securily Inslrument. Unless narrower and Lender agree to other terms of payment. these amounts shall bear interest from
the date of disbursement 31 the Note rate and shall be payable, with inlerest. upon notice rrom lender 10 Borrower
requesting paymen!.
800K
--? CE
II.. PA
61
If l.rn~<r rrquirrd IIlIlIlgage i,nurance .. . <,<>,"1111111I "r m.king Ihe I"an .ecured hy Ihi. Sccurily In",ull1elll.
~)orrowC'r \holll 1""1)' It.lt p(cnllum, rC~Ulrtd 10 IIIllntlll1 Ihe In\Uf.lnCt in ttreet until iuch time: as Ihe: rC'(IUlfC'lIlenl ror the
III\Uralll,:C lC'fIllIllOllc\ III alo.',:urdancc: wllh Durr()w(r'~ Inti "tilde,', ""riUerl agrC'c:mc:nl or apphcable law.
.8. InspC'fllon. , L~nd('r (~r if" agent ,m:!)' m;a~c h'ol'-'iit.hlr rntric:s upon and 1I1\(lC.'I,.'lil1l1\ orlhe Pwpen)'. I.cnd4.'r
.hall gIVe 1I,:rrnwrr IlUllce al,lhe Inne or ur Il~"" luan 1lI'(l(\'llon.peclrying re..onable caU'e rur Ihe in'pe"lion.
9. (ondrrnnollon. fhe proceeds 01 any award or daim r"r damages, dirccl or consequenlial. in conneclion wilh
an~ condelllnallon or ",her laklllg or any pari or Ihe l'roperlY, or ror conveyancr in lieu of condemnalion, arc hereby
a'Slgned and ,hall be paid In Lender,
In Ihe nelll"f a 10lallaking or Ihe P"'perlY, Ihe '!Iocerd, .hall be applied 10 Ihe 'um, ,ecured by Ihi, Securily
In\lrume'II, whelher or nol Ihen due, wilh any uce", paid 10 llorrower. In Ihe event of a parlialtaking of Ihe Property,
unless norrower and I.en~er olherwi,e agree in wriling, Ihe sum, secured by Ihi, Securily In'lrumenl shall he reduced hy
Ihe amounl of Ihe procecd. multiplied by Ihe r"IIowing fracliun: (a) Ihe 10lal amounl of Ihe sums 'ecure~ illlmedialely
before Ihelaklng, dIV,ded hy (h) Ihe ra" markel vnlue or Ihe I'roperly immedialely b,rore Ihe Inking, Any halance ,hall be
paid 10 1I0rrower.
If Ihe: I'wpcrry j~ abandoned by Borrower. or ir. Untf lIolicC' by Lender to Uarrower thallhe condemnor o(fcr!t 10
make an IIwanl Of sellle 11 claim fur damages. narruwer nuls in rC'S(lomJ 10 I.ender within JOdays aner the date: Ihe IIIJlice is
given, I.ender i, aUlhorized In collecl and apply Ihe proceeth, al ils oplion, eilher 10 re'loralion or repair orlhe 1'",,,,,rlY ur
IOlhe sums securrd by Ihis SecurilY In'lrulllenl, Whelher or nOllhen due.
Unless I.ender and Ilorrower olherwise agree in wriling, any appliealion of proceed, 10 principal ,hall nul eSlend "r
po'lpone Ihe due dale oflhe monlhly paymenls referrrd 10 in paragraphs 1 and 2 or change Ihe amou'lI "r,uch paymenls,
10. norrower Nol Released: Forbearance Oy tender Nol . Waiver, EXlension of the time for payment or
modification of amortization of 'he sums secured by this Security Instrument grunled by Lender 10 any SUcce~s()r in
inlerest of Borrower shall 110t opcralc 10 release the liability oflhe original Oorrower or narrower's SUcc(~sors in inlerellot.
Lcnder shall nul be: required to commence proceedings against any successor in interest or refuse to eXlem.l lime for
payment orolherwise modify amortization Oflhesums secured by this Security Inslrument by reason of any demand made
by the original Borrower or Ilorruwer's successors in inlerest. Any furbearance by l.ender in exercisins any risht or rcmedy
shallnol bea waiver or or precludelhe exercise ofnny right or remedy,
II, Successors and Assigns nound; Joinl and Severoll.lobllllY; Co.slgners. The covenanl, and agreemeol' of
Ihis SecurilY In5lrumenl shaU bind and benefillhesuccessorsand assigns of Lender and norrower, ,ubjcCllo Ihe provi,;ons
of paragraph J 7, norrower's covenanls and agreemenl' ,hall be joinl and several. Any Borrower who co"ign, Ihis Securily
Instrumenl bUI does nol execule the NOle: <a) is co"igoing Ihis Securily Inslrumenl only 10 mOrlgage, graol and convey
Ihal Borrower', inlere51 inlhe Property under Ihe lerms oflhis Securily Inslrumelll; (b) is nol personally obligaled 10 pay
Ihe sums secured by Ihi, Securily In'lrumenl; and (c) agrees Ihall.ender and aoy olher Borrower may agree 10 eXleod,
modify, forbear or make any accommodalions wilh regard 10 Ihe lerms of Ihis Securily In'lrumenl or Ihe NOle Wilhoul
that Borrower's consent.
12, Loan Charges, trlhe loan secured by Ihis SecurilY In'lrumenl i, subjecllo a law which sel, maximum loan
charges. and Ihal law is finally interpreled so that the interest or olher loan charges collecled or In be collected in
connectioll wilh the loan exceed Ihe permiucd limits, then: (a) any such loan charge shall be reduced by lhe amount
necessary 10 redut.'c the charge 10 the permitted IiOlil; and (b) any sums already collected from Borrower which eXL'ceded
permilled limils will be refunded 10 Borrower, Lender may choose 10 make Ihis refund by reducing Ihe principal owed
under Ihe Nole or by making a direcl paymenl to Borrower, Ifa rerund reduces principal, Ihe reduclion will belrealed a, a
parlial prepaymenl withoul any prepaymenl charge under Ihe Nole.
13. I.egislalion AIrecling Lender's Rights. If enactmenl or expiralion or applicable law, has Ihe effecl of
rendering any provision orlhe Nole or this Securily (nslrumenl unenforceable according 10 ils lerms, Lender, al ils oplion,
may require immediale paymenl in full of all sums secured by Ihis Securily In5lrumenl and may invoke any remedie,
permilled by paragraph 19, tr Lender exercises thi, option, Lender ,hall lake the steps specified in Ihe second paragraph of
paragraph 17,
14. Notices. Any no lice 10 Borrower provided for in this Security Instrument shall be given by deJivering il or by
ml1iling it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designales by notice to Lender. Any notice to Lender shall be given by
tirst cJass mail 10 Lender's address staled herein or any other address Lender designates by notice 10 Dorrower. Any nolice
provided for in this Security Instrument shall be deemed 10 have been given to Dorroweror Lender when given as provided
in Ihis paragraph,
15, Governing Law; Severability. Thi, Seeurily Inslrumenl shall be governed by rederal law and Ihe law of Ihe
jurisdiction in which the Property is localed. In the event thaI any provision or clause of Ihis Security Inslrument or the
NOle connie I' wilh applicable law, such conflicl shall nol alfeel olher provi,ions of Ihis Securily Instrumenl or Ih" Nole
which can be given elrecl wilhoullhe conflicting provision, To Ihi, end Ihe provisions oflhis SecurilY Instrumenl and Ihe
NOle are declared 10 be severable.
16. Borrower's Copy. Borrower shall he given olle coufornH:d copy of Ihe Note lInd of this Security Inslrumenl.
17. Transfer of Ihe Property or a Beneficial Interest in Harrower. If ;:111 or any part of the ProperlY ur allY
interest in it is sold or Iransferred (or if a beneficial inlerest in Borrower is sold or Iransferred and Borrower is 1101 a 1I11Iur,i11
person) without lender's prior written consent, lender may, lit ils option, require immediate paymcnt in full of all sums
sccured by this Securily Instrument. However, this upli(JIl .,haJj 1101 be C'xerdsed by Lender if exercise is prohibited by
federal law as of the dale of this Securily Inslrumenl.
If Lender exercises Ihis option, Lender shall give Borrower IHHice of i1ccc::!eraliOIl. The notice shall providc a period
ufnol less than .10 days from the dale the l1otk'c is delivered or mailed wilhin which Borrowcr mllsl pay all SlIlllS secun.:d hy
Ihis Sccurity Inslrument. If Borrower fails to pay these sums prior 10 the expiration of Ihis period, Lcnder may invoke any
rcmedies permillcd by this Securily Inslrument without further notice or uemand 011 Borrower.
18. Borrower's Right to Reinstate. If Borrower II1cels cerlain cOlldilioll~, Borrower ~hall hilve the righl 10 have
enforcemcnt of this Security Instrumenl disconlinued at any time prior 10 the earlier of: (a) 5 days (or such other period a~
applicolblc law nwy specify for reinstalement) bcfore salc of the Properly pursuanl 10 .IlIY power of sale cOllt;lined in Ihis
SecurilY In~lrumellt; or (b) cntry of a judgmcnt cnforcins this Sccurily Instrumcnt. Those conditiolls arc that lIornlwcr:
(iI) pay' l.emler all slims which thell would be due under this SecurilY Imlrurncnl lIud the NOle h.1(.Ino lu:ccJeratioll
oCl:urred; (h) cures any dcfault of any olher COVClllllltS or agreements; (c) pOlYS nil expcnses incurred ill cnfurcing this
Security Inslrument, including, bUI 1101 limiled 10, reasonable attorneys' fees; and (d) lakes such aClion as Lender fIlay
reasonably require 10 assure Ihat the lien of Ihis Securily Instrument, Lender's rights in the Properl}' and Borrower's
ol)ligalion III pay the ,ums secured by this Security Instrument shall continue unchanged. Upon reinslatelllelll by
Dorrowcr, Ihb Security Inslrumenl and the oblisations secured hereby shall ref1l;lill fully effeclive ilS if no acceleration had
occurred. lIowevcr, lhi, right 10 reinsfale shall not apply in the case ofacccleratiofl under pilnlgraph'i )] or 17.
I~'WIT.NESS WHEREOF, I hereunto set my hand and official seal. "'}
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" c,.' i cerli,fNIll<tthe precise plaee of bus inessofl he within named Mortgageds I~~' /1 Slreel, Carl'sle, PA
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NnH,UNII UIlM <:nV~H~NIS Ilorrower and I.ender fUrlhtr eovenant and agree a' lollo~,
19. A..elerallon; R.medl.., ".nd., .haUalve noli.. 10 Ilorro...r prlur 10 ....I.r.llon rullo..lna IInrroMer'.
brueh 01 .ny .onn.nl or .arum.nlln Ihl. Se.urlty Inslrum.nl (bul nol prlur lu ...e1.r.llon under p.raaraph. IJ .nd 17
unln. Ippll..bl. I... provldn olh.,..I..I, "lOnd.r .h.1I nollly Ilorro..er 01, .mong Olh., Ihlnas: lallh. d.rault; (bllh.
..1I0n r.qulred 10 .ur.lh. d.'lull; (c1..h.n the d.l.ull must be cured; .nd (dllh.1 I.llur.lo .ur. Ihe delaull .s .peellied
m.y ..sullln ....I...llon or Ih..UM.St.Ured by Ihll S.eurlty Inslrum.nl. loreclosure by judicial proeeedlnK and sal. 01
Ih.I',op.rIY, I..nder .hall rurlher Inlorm lIorro..er or Ihe rlahllll r.ln.tal. .It.r a.eder'lIl1n Ind Ihe rlKhlllla..erlln Ihe
roreclosur. pr....eodlnK Ih. non,ul'lenre or. d.r.ull or Iny ulher d.r.nse or UorrllM.r 10 lee.le..lll1n .nd IlIreelo.ur.. II
lh. d.r.ullls not .ur.d ...pedll.d, ".nd.r lilt. opllon may r.qulre Imm.dl.l. paymenlln rull or all oums ..eured h) Ihl,
S..urlty In'lrum.nt ..lthoul rurth.r d.mand .nd mlY lor.closelhl. S..urlty In.tr.m.nl by judlcl.1 prlleeedlna. I.end..
sh.U b. .nlltled to collect aU tlpenses Ineurrtd In put)olnalhe remediel provided In Ihls panKrlIph 19,IndudlnK, but nnl
IImlled lu, .Uorn.y.' lees and .osl. ollltl. ..Id.nc.lo Ihe nl.nl permUI.d by .ppllubl.I...,
20. I..nd.r In l'o'St..lon, Upon lecel.ralion ulld.r paragraph 19 or abandonm.nl 01 the I'mp<rly. I.end.r (111
person. by agenl or hy judicially appoinled reeeiv.r) .hall he entilled In enler upon, ,oke po''''"ion of and manage Ihe
l'rup<rlY and 10 collccllhe r.nl. 01 Ih.I'rop<rty including tho," pa.t due. Any r.nl. collected by lender or Ihe r.cei\'~r
.hall be applied nrsl 10 paym.nl 01 the CII>15 01 managemenl ollhe I'rop<rly and "nll~ct"'nof ren". inclnding, butnol
limilcd to, receiver's fees, premiums on receiver's bonds and reasonable allurnc)'~' fees, and Ihen 10 lhe surn~ \(cured by
Ihi. Securily In.trum.nl.
21, ReI...e, Upon p.ymenl nlallsum. secured by Ihis S,-euriIY In'lrumenl. I.ender .hall di,"harg~ Ihi, S~curlly
Ill5trumenl withoul charge In Dorrower, Dnrrower shall pay any r~eordation com.
U. R.lnllal.m.nll'erlod, lIormwer', lime 10 rein,lale provided in poragraph 18 ,hall e.l~nd In on~ hour prior 10
thecnmm.ncem.nl olbiddingala .herilr. sale or other sale pursuanllo Ihis Securily In'trumenl.
23.I'ureh... Mon.y Mortp8e,IIony ollhe debl secured by Ihis Securily Inslrum.nl is lenllU Borrower IU actloire
lille to Ihe l'rop<rly,lhis Securily Instrument shall be a purchase mnney morlgage.
24,lnt.rul Ral. AII.r Judam.nt,llorrower agrees Ih.llhe interesl rale payable after aJudgmenl i. enlered onlhe
Nnle or in an aclion olmorlgage loreclosuresholl be the rale payable from lime 10 lime under Ihe Note,
25, Riders to Ihls S..urlty Instrument, II one or more riders are e,eeuled by Ilorrower and recorded tngeth.r with
Ihis Security Instrumenl, Ihe covenanlS and agreements of each surh rider sholl be incorporated into and shall amend and
supplemelll Ihe covenanls and ogreemenls 01 this Securily Instrumenl as if Ihe rider(s) were a pari of this S.enrily
Instrument. [Check applicabl. bu.(es))
o Adjuslable Rale Rider
o Gradualed I'aymenl Rider
o Olher(s) [speeily!
o Condominium Rider
o Plann.d Unit Development
o 2-4 Family Rider
Rider
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Securily
Instrument and in any rlder(s) executed by Borrower .nd recorded with it.
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Lee E. Van~sdlen tJ -Bollowe,
,..Jctt..~..t.....()fI.:.ll.&k::{/;;"..:....,..........,(SeOI)
Sara E. Vanasdlen -lIonowoo
COMMONWEAl.TH OF I'ENNSYl.VANIA.
I"nmhexland
COlllllysS:
On Ihis. the 8 d.yof March ,19 85 ,before me,
till' undersigned officer. personally appeared LeG Ii: , Vanasdlen-<md-
Sara E. Vanasdlen ,h/W known 10 me (or satisflletorily
proven) to be the person s whose name -S--axe subscribed to the within instrument
ami acknowledged that _ they executed the same for the purposes herein conwincd.
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17013.
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R~CORDED in the Ornee for Recording of Deeds in and for
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rr,opC'll.,. Add"",
I, nORROWER'S PROI\IIS~; TO PAY
III Jeltnll fur n IlIilll Ihil' I have received, I pwml,c In I'a)' U.S. ~."2.3.,..900....0.Q..........,,. (lhi, 31t1C111111 is CiJllt'd
""rillelpa'''). "1,,, jn'm.', III ,lie ",der <If ,lie Le,nl,',. Th. IA'lhle, h CAllUSLE,lIlJlI.UING ANU UlAN ASSOCIATION,
I umJcnt:lluJ Ih:ll Ihe Lemler 11I01)' lIamrer Ihls Nute. The I.cmll'r or ;111)'1111(' whu lllkes IlIls Null" h)' IrilllSrtr 3ud wlln is en.
IiUed 10 ,<<<lve pay",.nls IInder IIIls Nllle is called IIIe "Nlllellnld"."
2, INTER~:'IT
Inlm't will be charged on unpaid principal unlillhe fullamounl of principal has been paid, I will pay inleresl ala I
yearly rale of ...12...7,5,..........%. ,
The inleresl role required by Ihis SeClion 2 is Ihe role I will pay both before and after allY defaull described in
Section 6(8) oflhis Nole,
J. PAVMENTS
(AI Time Ind Pllee of Paymenls
I will pay principal aod iolcrest by making paymenlsevery muolII, ,in accordance w/lcnding agree.
I will make my l11ullthly payments 011 Ihe nrsl day (If each munth hl'gl II III IIg 011 ...........".......".........,)c.~X.......
19.......... I willlllake thesc paymcnts every month until I have paid all of Ihe principal and jllterc~t and any olher charge~
described belnw ,hal I mal owe IInder thi. NOle, My mnnthly paymenls will be applied 10 illleml before prillcipal. If, on
yrs....fX9m...l!,<I.1;~...lI.L. 1?,t;..P.!i\Y.." I ,liII owe amounls under this NOle. I will pay Ihose amounls in full on thai dale,
which is called Ihe "malurity dale,"
I will make illY monlhly paymenls at 17 WcsllIlgh Sl'eel. Carlisle, Pellllsylvanla. 17013 or at a differenl place if re,
qulred by lire Nole "older.
(D) Amount ofMonlhly Plymenls
My monlhly payment will be in Ihe amounl ofU.S, $..,.....298.-4.8..,............,.......
4. BORROWER'S RIGHT TO PREPAY
I have Ihe right to make payments of principal at any time before Ihey are due. A payment of principal only is
known as a "prepaymenl," When I make a prepayment, I will tell the Nole Holder in wriling thai lam doing so,
I may make a full prepayment or partial prepayments wilhout paying any prepayment charge. The NOle Holder
will use all of my prepaymenls to reduce the amount of principal that I owe under Ihis NOle. If I make a partial
prepaymenl, Ihere will be no changes in the dlle date or in Ihe amount of my monthly payment unless the Nole Holder
agrees in writing 10 Ihose changes.
5. LOAN CHARGES
If a law, which applies to this loan and which sets maximum loan charges, is finally inlerpreled so Ihal the interesl
or other loan charges collecled or 10 be collecled in conneclion with this loan exceed lhe permilled Iimils, then: (i) any
such loan charge shall be reduced by Ihe amount necessary to reduce the charge to the pcrmilled limil; alld (ii) any sums
already collecled from me which exceeded permilled Jimils will be refunded to me, The Note Holder may choose 10 make
Ihis refund by reducing the principal I owe under this Note or by making a direct paymenl 10 me, If a refond reduces
principal,lhe reduclion will be treated as a partial prepaymenl.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(AI Late Charge for Overdue Plyments
If Ihe Note Holder has nol received the filII amollnl uf any monlhly payment by the end of fifteen (15) calendar
days after ,he date 11 is dne. I will pay alale cllarge 10 Ihe Nute lIolder, The amollnt oflhe cha'ge will be fOllr (4) % of my
overdue paymenl of principal and inlerest I will pay this 'atecharge promptly bul only once on each late payment
(0, Default
If I do not pay Ihe full amount of each monthly payment on the dale il is due, I will be in default,
(c) Notice of Deflult
IfI am in default. the Nnte Holder may send me a wrilleo nolice lelling me thai ifl do nol pay Ihe overdue amount
by a certain date. Ihe NOle Holder may require me 10 pay immedialcly Ihe fullamounl of principal which has nol been paid
and all the interest that [ owe on that amount. That date must be al least 30 days after the date 011 which the notice is
delivered or mailed to me.
lD' No WII.er By Note Holder
Even if. at a time when [am in default, the Note Holder does not require me to pay immediately in full as described
above,lhe NOle Holder will 51ill have the right 10 do so iflam in default 01 a later lillle.
(E> Payment of Note Holder's Costs and Expenses
If the Nole Holder has required me to pay immedialely in full as described above. Ihe NOle Holder will have the
righlto be paid back by llIe for all ofilscosl, and expenses in enforcing this Note 10 the exteot not prohibiled by applicable
law. Those expenses include, for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method I any notice that must be given 10 me under this Note will be given
by delivering i, or by mailing i, by first class mail 10 me allh. Properly Address above or al a dilTerenl address if I give Ihe(
Note Holder a notice of my different address.
Any notice Ihall1lu~1 he given to thc Notc Holder under lhis Note will he given by mailing il hy firsl class mail to th ~ E-
Nutc Holder III the llddrcss slaled in Section 3(A) above or at il different address if I am given a nolice uf lhat difTercn u.. _
address, ~ ~
:p~
MUL TISTATE FIXED RATE NOTE-Single Family-FNMA/FHLMC UNIFORM INSTRUMENT Form 3200 12/83 ..J t.l.l
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HARRIS SAVINGS BANK,
Plaintiff
v.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99 - }q~d. G..J ~rm
CIVIL ACTION. LAW
LEE E. V ANASDLEN and
SARA E. VANASDLEN,
Defendants
IN MORTGAGE FORECLOSURE
NOTICE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against thc claims set forth
in the following pages, you must takc action within twenty (20) days after this Complaint and
Notice are served, by entcring a written appcarancc 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 ajudgment may be entered against
you by the Court without further notice for any money claimed in the Complaint or for any other
claim or rclief 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 LAWYER REFERRAL SERVICE
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
TRUE ('...oPY FROM RECORD
In Tesilroor.y wl'ler<'lOt, I here unto Sit my htlnd
i:ll<j tflS 5/)..".l ol ~,ai'l C:::Ji1 a~~~J:~.Q
fhis /61- day ~f(~!7J: Q. 19_,
. \ t~(l ~/ ~
Prothonotary
Pennsboro Township, Cumberland County, Pennsylvania 17013.
4. A copy of the Note is allached hereto and incorporated herein as Exhibit "B"
5. Plaintiff, in consideration of the said Mortgage and Note advanced to Lee E. Vanusdlen
and Sara E. Vanusdlen the sum of Twenty-Three Thousand Nine Hundred Dollars ($23,900.00).
6. The premises subject to said mortgage is more specifically set forth in Exhibit "A".
7. Lee E. Vanasdlen and Sara E. Vanasdlen are the sole owners of the said premises securing
said mortgage.
8. Said Mortgage has not been assigned in whole or in part by the Plaintiff herein.
9. That said Mortgage is in default because Defendants herein have failed to make the
following payments: payments of$307.54 for the months of September through December, 1998;
and January, 1999 through March, 1999, late charges in the amount of $47.76.
10. The Plaintiff has given to the Defendants wrillen notice of intention to foreclose on said
Mortgage as required by law under Act 6, dated January 6, 1999.
11. The Plaintiff has given written notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated January 6, 1999.
12. That due to Defendants' default the entire principal amount of Twenty-Three Thousand
Nine Hundred Dollars ($23,900.00) has become due and payable, together with interest at the
current rate of 12.75% per annum, reasonable legal fees for collection of said sum in accordance
with the terms of said mortgage less such sums as have been paid on account of principal of the
said Mortgage and costs.
13. The Plaintiff believes and therefore avers that reasonable allomey's fees for collection of
the debt is $1,000.00 and that it will incur such amounts.
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MORTGAGE
TIllS MORTGAGE ("Security Iuslrumenl") i.' given nn ........ . Mar.C;l1. .(1......................... .
19.. .85. . The morlgagor is .. LEE. E.. .VANASDLEN. aDd. SARA. Eo. .VAblASDLEN.......... ........
. his . w.i fe ,.. . . .. . . . '" ..... ...... . . .... .... . . . . . ..... ("Ilnrrnwer"). Thi. SeenrilY Inslrumenl is ~ivenln
CAll LISLE IlUII.I>ING AND LOAN ASSOCIATION. which i, nrgnni,cd nnd exisling under Ihe Inw, of Ihe
Cnmmnnweallh of I'ennsylvanin and whose nddre.. is 17 Wesll/igh Slreel, Carlisle. I'ellnsylvanin 1701.1j"l.ende,").
Ilorrnwer owes Lender the principal sum of .... 'j:'.\O{~TltY. . :I:1:t"9P. .1'.I19.1.HIAI,lH . ~.;I1.Q. .f!\lTlc;l;r:9H ..... . .. .
.. ...... . ... . .... . ... . . . .. ..... Dollnrs (U.S. $..23.,9.00.. O.Q... ). This debl is evidenced by IInrrower', nnle
du~ed lh~ same dale as this Sccurily Instrument C'Nolc"), which provides for monthly payments, wilh Ihe full debl, jf nol
piud earher, due and paynblc on ...... ..... . .. . . " '" .... ., . , . .... . ... . . . . .. . . '" . This Security Inslrumcl1l
secures to Lender: (n) the repayment of the deht evidenced hy Ihe Note. wilh interest, ;lI1d ull rc"cwills, eXlensluns nnd
modificalion,; (b) Ihe paymenlnf all olher ,urn,. wilh inleresl, advanced ullder pamg"'ph 710 prolecllhe ,eeurilynflhi,
Securily Inslrumenl; and (c) Ihe perfllrmanee of 1I0rrllwer's ellvenants and agree men Is under Ihis Securily IlIslmmenl
and Ihe Nole. For Ihis purpose, 1I0rrower does hereby morlgage. granl and convey 10 Lender the following described
properly located in .... .cumberland.. ........ .. . ......... ..... ... . . . . .. . . . ..... Counly, I'enn'ylvania,
ALL THAT certain tract of land situated in Mt. Rock, TownShip of
West Pennsboro, County of Cumberland and State of Pennsylvania, bounded
and described as follows, to wit:
BEGINNING at a stone;thence by land formerly of Sara Danner, now of
Oren Kitzmiller, South 31 degrees East 7.1 perches to a post; thence
by land now or formerly of Floyd Bitner, South 85 degrees West 7.5
perches .to an apple tree (blown down); thence by land formerly of
Levi Failor, now of Leib Myers, South 76 1/4 degrees West 20.3
perches to a post; thence by land formerly of John Seitz, now of Earl
Tritt, North 14 degrees West 8.7 perches to a post; thence by land
formerly of Levi Failor, now of Earl Tritt, North 82 3/4 degrees
East 25.5 perches to the place of beginning.
CONTAINING 1 acre and 70 perches, and having thereon erected a two
story brick house and outbuildings. LESS,IIOWEVER, a piece of land
16 feet in width along west side of the above tract; containing 8.6
perches as the same is fully described in deed from Caroline McKeehan
to Abram Etter, dated June 13, 1916 and recorded in Deed Book L, Volume
8, page 447.
BEING the same property which Ira E. Mell and Mabel M.Mell., his wi~e,
granted and conveyed unto Lee E. Vanasdlen and Sara E.Vanasdlen, hIS
wife, by deed dated March 8,1985, and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book
which has Ihe address of .. . . . . . . .... . .. . . . . . . ..~.. P:. . ~!. . ~<;>~. . ?~?
(SlreSI)
I'enn'ylvania .1.7.013..................... ("Properly Address"),
IZip COde]
... ....<;:p.l;'l.;,!3),~.
ICityl
PLAINTIFF'S
EXHIBIT
II
TOGETHER WITH alt the improvemenls now or hereafter erected on lhe property, and all easemenls, rights,
appurlenances, renls, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or
herearter a pari oflhe properly. All replaeemenls alld addilions shnll al,o be covered by Ihi, SeeurilY Inslrumen!. All oflhe
foregoing is referred 10 in this Security Instrument as the "Properly, to
IlORROWER COVENANTS Ihal Borrower i. lawfully sei,ed of Ihe eslale hereby cooveyed and has Ihe righllo
mortgage, grant and convey the Property and that (he Properly is unencumbered, except for encumbrances of record,
Ilorrower warrants and will defelld generally Ihe lille 10 Ihe Properly against all claim' nnd demand" subjeel 10 auy
encumbrances of record,
TillS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenanls with
limited variations by jurisdiction to constitute a uniform securily instrument covering real properly,
PENNSYlVANIA_Singl. ramily-fNMA/fHLMC UNIFORM .INST.R~"'ENT,.o~ i'
. r.".
t', "<111 ".'t 11 ill , . t., ^1~rl.'l,!rn('..l
.1 ,.,.1'" 'i ,," U/I I. '. I...' ~ '. ,:', .
BUUK
--9
I I.. PAGE
form 3039 12/83
60
."
I._p_r
,..,.
UNII'IlHM COVENANIS. Borrower alld I.clldcrcuvenanlanLl agree.. follows:
I: Plyme'nl of Prine/pal and Intereol; I'repayment Ind Late ChlrRu. Borrower shall prnmplly pay when dll'
Ihe prineipul of and inleresl on Ihe dehl evidenCtd by Ihc Nole and any prepaymenl alld laic eharRes dncullder Ihe NOle.
2. Fundo (or Tuesand Insurance. Suhjccll"applicahle law or 10 a wrillen waiver by Lender.lIllrrnwer .hall "ay
10 tender on Ihe day monlhly paymenls arc duc undcr Ihe Nole, unlilthe Nole is paid in full. a """ ("Fund,") eqnal I"
one.lwelOh of: en) yearly la.es and ass...mellls which may allain prinrily over Ihi, Seeurily In,lruIIICUI; (b) yearly
Ira\chnld 1'.IYll1cl1l~ or ground r('nl~ 011 the l'flIJlt.'f1Y, if tiny; (l..') yearly hanmJ inr.tmHll'c prcmiulll'; llull (II) yc.'arly
mmlgage in\urancc premiulI1!li, if any. Thc\c item, I1rc l'lIl1cd "("scrow ilcrm.," I.ender ilia)' c\limlllc the FlInd, due 011 111(,'
ha\i!i nrCunenl dnla and ren\onahle e!ilimalc\ orrulurc(,\l"ruW ilem\.
The Funds shall be held in an institution IhedCf\(l'.il\ nr Del'nunh or".'hich :Ire ill\urcd or ~ullrOlllh:rd oy 11 federal liT
\lale "scnc)' (including lender if l.ender j, such 1111 il1\tlllltinn), l.ender ,hull apply the Fund, In PilY lht' ('\crnw itelll',
Lender runy IIn' char~c for hulding anti applying Ihc Fllml\, unnlY/jllg the accuul1l or verifying the e\(,:ruw ilcrJ1\, IIl1le\,
I.ender pays Uorrower inlcreM on Ihe Fund~ nnd applicahle law pcrmil~ Lender to make sllch a chargc. Borrower :uul
Lcndcr lIlay agree in wriling Ihal inleresl shall he paid "n Ihe FUlld,. Unle" an agreemenl i, made III applicahle laIV
requires inlere.llo be paid. tender shall nol be required III pay Borrower any inleresl or earning' on Ihe Fuml.. Lender
shall givelllllorrower, wilhoul charge, an annual aeenunlin8 oflhe Fund. sll<lwing crcdils lInd debi.. In Ihe Fund. and Ihe
purpose for which eaeh dehillo Ihe Funds was lIlade. The Fund., arc pledged as addilional seeurily for IhesunlS secured by
Ihi, SecurilY Inslrumenl.
If Ihe amounl of Ihe Funds held by tender, In~clher wilh Ihe fUlure monlhly paymenls of Fund, payahle prinr 10
Ihe due d:lles nf the e~crow itch1~, shall exceed the alllllllnt required to pay lhe escrow ilcIlIS when tlue, rhe CU'C'li lih:all ht."
at Borrower's oplinn, either promptly repaid to norrower or cretliled 10 Borrower on monthly pllymenl.\ of Funds. If .he
Dmuunl oflhe Funds held by Lender is not sufficient to P:IY Ihe escrow Hems when due, Borrower shall pay In Lender allY
amount necessary 10 make up the deflciel1cy in one or more payments as required by l.ender.
Upon payment in full of all sums secured by thi... Security Instrumcnt, Lender shall promptly refund to norrowcr
any Fund. held by lender. If under "aragraph 191he Pro"erlY is sold or lIcquired by Lender, Lender shan apply. 00 la'"
Ihan immedialely prior 10 'he sale of Ihe Properly or ils acquisilion hy leoder, any Funds held by l.ender allhe lime of
appliealion as a credil again.. 'he sums secured by IhisSceurilY In5lrumenl.
3. Application of Payment.. Unless applieahle law "rovide. olherwise, all paymenl. received hy I.endcr under
pnragraphs I and 2 .hall he applied: firsl, 10 laic charges due under lhe Nole; second. 10 prcpaymenl charges due nllder Ihc
Nole; Ihird.lo alllounls payable under paragraph 2; fourlh, 10 inleresl due; .nd 1'1.1,10 principal due.
4. Charges; l.iens. Horrower shall pay all taxCl;, asse~smcnls, charges, fines and impositions nllrihut:lhle In .he
ProperlY which may attain priority over this Security Instrument, and leasehold payments or ground rents, if ;IIIY.
Ilorrower ,hall pay Ihese obligation, in Ihe manner provided in paragraph 2, or if not paid in Ihal manner, Ilorrower shall
pay Ihem on lime direclly 10 Ihe person owed paymenl. Borrower .hall promplly furnish to tender allllOticcs of amoullts
10 be paid under this paragraph, If Borrower makes these payments directly, Borrower shall promptly furnish 10 lendcr
receipts evidencing the pay men Is.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless norrowcr: (a)
agrees in wriling to the payment ofche obligation sccured by the lien in a manner acceptable 10 lender; (b) contesls in good
failh Ihelien by, or defends againsl enforcement oflhe lien in. legal proceedings which in Ihe tender'. opinion operate 10
prevenllhe enforcemenl of Ihe lien or forfeiture of any pari of Ihe Properly; or (c) .eeure. from Ihe holder of Ihe lien an
agrcemenl salisfactory 10 lender .ubordinating Ihelien 10 thi, Security In,lrumeol. If tender delermincs Ihal any 1'311 of
Ihe Properly is subjecl to a lien which may allain priorily over Ihi. Securily Inslrumenl. tender may give Borrower a
noliee idenlifying the lien. Borrowershall satisfy the lien or lake one or more oflhe aclions sel (orlh .bove Wilhin 10 day.
oflhe giving o(nolice.
5, Hazard Insurance. Borrower shall kecJl the improvements now existing or hereafter erected olllhe Property
insured against loss by lire, hazards included within the term "extended coverage" and any other hazards for which Lender
requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The
insurance carrier providing the insurance shall be chosen by Borrower subject 10 Lender's approval which shall not be
unreasonably wilhheld.
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.
tender shall have Ihe right 10 hold Ihe policies and renewal,. If lender requires, Borrower shall promplly give 10 Lender
all reeeipl' ofpnid premium, and renewal nolic... In Ihe evenlof loss, Borrowershall give prompt nnliee 10 the in,urance
carrier and tender. lender may make proof orro," ir nol made promplly hy Borrower.
Unless Lender and Borrower otherwi~e agree in writing, insurance proceeds shall be applied to restoratiun or repair
of Ihe I'roperty damaged, if Ihe restoralion or repair i, economically fea,ihle and I.ender's ,ecurily i. nOII"sened. If Ihe
restoration or repair is nol economically feasible or Lender's security would be lessened, the insurance proceeds shall be
applied to the sums secured by this Security Instrument, whether or not Ihen due, with any excess paid to Borrower. If
norrower abandons the Property, or does not answer within 30 days a notice from Lender that the insurancc carrier has
offered to settle a claim, then Lender may collect lhe insurance proceeds. Lender may use the proceeds to repair or restore
the Property or to pay sums secured by this Securily Instrument, whether or nol then due. The 30.d'ay pcriod will begin
when the notice is given.
Unless Lender and Borrowerotherwise agree in writing, any applicalion of proceeds to principal shall not extcnd or
postpone the due date of the monthly payments referred to in paragraphs t and 2 or change the amount of the payments. If
under paragraph 19 the Property is acquired by Lender, Borrower's right to any insurance policies and proceed~ resulting
from damage to Ihe Properly prior to the acqui,ition shall pass 10 Lender 10 Ihe exrenl oflhe <11m' secured by Ihi, Seeurily
Instrument immediately prior to the acquisition.
6. Preservation and Maintenance o( I'roperty; Leaseholds. Borrower .hall not de.lroy. dnmage nr suhstanlially
change Ihe Properly. allow the Properly to delerimale or commit \Va.le. If Ihis Securily luslrumenl is on a leasehold,
nnrrower shall comply with lhe provisions of the lease, find if Borrower :1cquircs fee title to the Property,the lea~ehold :1!u!
fee lirle shall nut merge unless Lender agrees to lhe merger in writing.
7. Protection of Lender's RiRhts in the Property; MortR3Rc Insurance, If Bormwer fails to perform Ihe
coveJlilnls and agreements contained in this Securily InstrulIlent, or Ihere is a legal proceeding Ilmt may significantly affect
Lcnder's righls in the Properly (such as a proceeding ill bankruptcy, prohale, for condemnation or to enfurce laws or
regulalions), Ihen l.ender may do and pay for whalever is necessary to prolecr rhe value orlhc Properly ilnd Lcnder's rights
ill the Property. Lender's actions mllY include paying any sums secured by a lien which has priorily over this Securily
Inslrument, appearing in COUrI, paying reasonable allorncys' fees and cnlering on the Properly 10 make repairs. All hough
Lender may take action under this paragraph 7. Lender docs not have 10 do so.
Any alllOunl. disbursed by tender under Ihis parn~raph 7 shall become additional dehlor Borrower secured hy lhi.
Security Instrumcnt. Unless norrower and Lender agree to other lcrms or payment, Ihese ilmounls shall bear inlerest from
thc date of disbursemenl at the Nale rate and shall he payable, with interest, upon notice from Lender to nor rower
requesling payment.
~'J 61
BOOK 7 (.. PACE
Jr Lender required mortgage in,urance as a cClIlIJilion of making .he loan )ecured by Ihi, SCL'uriIY 11I\lrumenl,
~Iorrnwc:r ~hall pay ll,le prc:nHums requiredlu rnainlain Ihe insurance in effect until such time as Ihe rcquirelllcnl fur the
IlISlIrllllCe lerl1lllHlle~ III aL'L'UrtJoincc: wllh Ilurruwcr's and 1.endcr'!Ii, written agrccmClI1 ur appliL'ahle law.
,8, Inspccllon, 1.ender or ii' agl'nl may milke reasonable enlries upon and inSpCl.,'liuns of Ihe Property. I.cIHh:r
shall gIVe Ilorrower ,wlke cllhetime ofor prior 10 ao inspeclion specifying reasonable cause for Ihe inspeclion.
9, Condemnation. The proceeds nf any award nr claim fur damages, direct or consequential, in connccliol1 with
an~ condemnalion or OIher laking of any part of Ihe Property, or for conveyance in lieu of condemnalioo, are hereby
assigned and shall be paid 10 tender.
In Ihe evel!1 of a 10lal laking of Ihe Property. Ihe proceeds shall be applied 10 Ihe sums secured by Ihi, Security
Inslrumenl, whelher or nOllhen due, wilh any excess paid to Borrower. In Ihe evenl of a parlial laking of Ihe Property.
unlcss Borrower and tender otherwise agree in wriling. Ihe sums secured by Ihis Seeurily InSlrumenl shall be reduced by
Ihe amount of Ihe pnx:C'ed!i muhiplied by .he following fraction: (u) the lotal amounl of Ihe sums secured immediulely
before Ihelaking, dividClI by (b) Ihe fair markel value of the Properly immedialely before the taking. Any balance shall be
paid 10 narrower,
If 1111: Ilwpeny is abandoned by IJurruwcr, or if, afler nOlice by Lender 10 norrower Ihal Ihe condemnor offers 10
make an award orsellle a claim for damages. 1I0rrower fails io respond 10 Lender wilhio JOdays afler Ihe dale Ihe nllliee is
given, Lender is aUlhorized 10 colfecland apply Ihe proceeds, al ils oplion, eilher 10 re..oralion or repair oflhe I'rupeny or
10 Ihe sums secured by Ihis SecurilY Inslrumenl, whether or nOllhen due.
Unless Lcnder and Ilorrower olherwise agree in wrilillg, allY appliealion of proceeds 10 principal shall,l<lIeXlelld or
pOSlpollelhe due dale oflhelllonthly paymenls referred 10 in paragraphs I and 2 or changelhe amounlofsueh paymenlS.
10, Borrower Not Released; Forbearanre Oy Lender Not a Waiver. Excension of Ihe lime for paymc:nl or
modification of amOrJjlD';oll of the sums secured by this Security Instrument granted by lender 10 any successor in
inlerest of Borrower shallnol operate 10 release the liability of the original narrower or Dorrower's successors in inlcreM,
Lender shall not be required to commenCe proceedings against any successor in interest or refuse 10 ex lend lime for
payment or otherwise modify amortization Oflhc SIlins secured by Ihis Securily Inslrumenl by reason of any demand made
by Ihe original Borrower or narrower's successors in inleresl. Any forbearance by Lender in exercising ilny riglll or remedy
shall 11111 bc a waiver of or precludelheexercise of allY righl or remedy.
It. Successors and Assigns Jlound; Joint and Several Liability; Co-signers. The covenanls alld agreemeols of
Ihis Seeurily Inslrument shall bind and benefillhe successors and assigns of Lender alld Borrower, subjecllo Ihe provisions
of paragraph 17. Borrower's coven an Is and agreemenls shall be joint and several. Any Borrower who eo.signs Ihis Securily
Inslrumenl bUI docs not execule the Note: <a) is co.sigoing Ihis Securily Inslrumeol only 10 mongage, granl alld cOllvey
Ihal Borrower" inleresl inlhe Propeny under Ihe lerllls oflhis Securily Inslrumenl; (b) is nol personally obligated IU pay
the sums secured by Ihis Security Instrument; and (c) agrees Ihat Lender and any other Borrower may agree 10 eXlend,
modify, forbear or make allY accommodations wilh regard 10 Ihe lerllls of Ihis Securily Inslrument or Ihe NOle wilhoul
that Borrower's consent,
12. I.oan Charges. If Ihe loan secured by this Seeurily InSlrumenl is subjecllo a law which sels maximum loan
charges. and thai law is finally inlerpreled so that Ihe interest or other loan charges co!Jecled or '0 be coll~cted in
connection with the loan exceed Ihe permillcd Iimils, Ihen: (a) any such loan charge shall be reduced by the amount
necessary to reduce the charge 10 the permilted limit; and (h) any sums already collected from norrower which exceeded
permilled limits will be refunded 10 Borrower. Lender may "'llIose 10 make Ihis refund by reducing Ihe principal owed
unde"he Nole or by making a direcl payment 10 Borrower. If a refund reduces prioeipal. the reduction will belreated as a
parlial prepaymenl Wilhoul any prepaymeol charge under Ihe Nole.
t3. LegislaUon Affecting Lender's Rights. If enaclmenl or expiralion of applicable laws has thc effecl of
rendering any provision of Ihe Nole or Ihis Seeurily Inslrumenl unenforceable according 10 ils terms. Lender, 'II ilS oplion,
may require immediate paymenl in full of all sums secured by this Security Inslrumenl alld may invoke any remedics
permilled by paragraph 19. If Lender exercises this oplion, Lender shall lake Ihe steps specified in Ihe secood paragraph of
paragraph 17.
14. Notices. Any notice to narrower provided for in this Security Instrumenl shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method, The notice shall be directed 10 Ihe
Properly Address or any olher address narrower designates by notice to Lender. Any notice to Lcnder shall be given by
first class mail 10 Lender's address staled herein or any olher address Lender designates by notice 10 Borrower, Any notice
provided for in Ihis Security Instrumenl shall be deemed to have been given 10 Borrower or Lender when given as provided
in Ihis paragraph.
15. Governing Law; Severability. This Securily InSIrUmenl shall be governed by federal law and the law of the
jurisdiclion in which Ihe Properly is located, In the event Ihal any provision or clause of this Seeurily Instrumenl or lhe
NOle conflicls with applicable law, such conflicl shallnol affecl olhcr provisions of Ihis Seeurily Inslrumellt or Ihe Nule
which can be given effecl wilhoutlhe conflicting provi.ion. To Ihis end the provisions oflhis Security loslrument and Ihe
NOle are declared 10 be severable.
16, Borrower's Copy. Borrower shall be given one conformed copy of Ihe Note and of Ihis Securily Instrumenl.
17. Transfer of the Property or a Beneficial Interest in Borrowcr. If all or any part of the Property or UIlY
inleresl in it is sold or transferred (or if a beneficial interesl in Borrower is sold or Iransferred and Borrower is uot a naluml
person) wilhout lender's prior written consenl, Lender may, at its option, require immediale p.lymelll ill full of all sums
,",ecured by Ihis Security Inslrument. Howcver, Ihis option Shilll 1101 hc cxcn:bed by Lcnder if exercise is prohihired hy
fcdcnlllaw as urlhe dale of this Securily fnslrumelll.
If l,clUlcr exercises Ihis oplion, Lender shall give Borrower 1101 ice ofaccclenllion. The noticc ~hall pnlVide <l period
OfllOl less lllan JOdays fromlhe dalc Ihe lIoticc is delivered or mailed within which Borrower musl pay all slims secured by
I hi... SecurilY InslrUlllenl. If Borrowcr fails 10 pay these sums prior 10 Ihe expiralion of this pcriod, Lcnder may invoke any
rcmedies permilted by Ihi!oo Security Instrument wilhout further nOlicc or demand 011 Borrower.
18. Borrower's Right to Reinshlte. If Borrowcr meels certain conditions, Borrower shall have Ihc righllO have
enforcemcllt of Ihis Security Instrument discolllinued at any time prior to Ihe earlier of: (a) 5 days (or such othcr period as
applicablc Inw may specify for rcinstatel11cnl) hcfore sale of the Property pursuant to allY power of sale cOlllained in Ihis
SecurilY Inslrumcnt; or (b) entry of a judgmenl cnforcing this Sccurity Instrumcnt. Those conditions lire that Burrower:
(a) pays l.cluh:r all sums which thell would be due under Ihis Security In~trument and the Note hlld 1111 accc!erafitlll
m:curred: (h) cures any default of lIny other covcnants or llgrecll1cnls; (e) puys all ~~pCllSCS incurred in enforcing Ihis
Sccurity Inslrument, including, bUl nol limited 10, reasonable atlorncys' fees; and (d) takes such i.lctioll as Lender may
reasonably require In assure I"al Ihe lien of this Security InSlrull1clIl, tendcr's rights in Ihe Properly and Bnrrower's
obligation to pay thc sums secured by this SecurilY Inslrument shall conlilluc unchanged. Upon reinslalemcnl by
BQrrower, thb Sccurily Inslrumenl and lhe obligalions secured hereby shall remain fully effective as if no ucceleraliol1 had
occurred, However, Ihis right 10 rcinslale shall nol apply In rhe case of accelcralion under panlgnlphs I.l or 17.
N()N.UNIU)RM C()V[NAN1S norrower and I.euder fUrl her covenant and agree l.I\ fnlhlw\:
19: AceeleraUon; Remedies. tender .hall gl.e noUee 10 lIurro..er prlur lu .ecelrraUon fullu..ing IInrrn"cr',
brcaeh u/.ny co.en.nl or .greemenl in Ihls Security Instrumenl Ibul nol priur 10 .eceleraUon under paragraph IJ and 17
unless .ppllcable I... pro.ldel olher..IStI. tender .h.1I nollly 1I0rru..er 0/, .mong olher Ihlng" lallhe d,/aull; (bllbe
aeUon r.qulr.d 10 cur. Ihe def.ult; lcl ..hen Ihe de/Mult mU'1 be eur.d; Mnd (dllhMI failure 10 eurelh. dcrault as sp.c1I1.d
m.y result In aec.leraUon 01 Ihe lums secu/ed by Ihls SeeurllY Inslrumenl, loreclosure by judicial proceeding and .ale 01
lhe l'roperly.l.ender shall lurlher In/orm lIorro..er oflhe rlghllo relnsl.le arcer .ccel.raUon .nd Ihe right Ina".rlln tbc
lureclosure proccedJnK the non.exlstence 01. ddaull or Iny other ddense of lJorrower to Icceleratlon and forcchl,ure. If
Ihe defoullls nol cured as speclfted,l.ender .Iltl opUnn may require Immediate payment In lull ofall.ums seeuf<d bl Ihls
Security Inslrumenl ..lthoul lurlher dem.nd snd may lureclose Ihls Security Inslrumenl by judicial p,uccedlng. Lender
.hall be enUUed 10 colleel.1I expense. Incurred In pursuing Ihe remedies pro.lded In Ihis p.ragraph t9,lncludlng, bUI nol
IImlled 10, .t1orneys' lee. .nd cosl. 01 UUe evidence 10 Ihe extenl permltled by .ppllcable I....
20. tender In Possession. Upon acceleration under paragraph 19 or abandonment of Ihe: Prnpcrly, I.ender (III
person, by agelll or by judicially .ppoinled receiver) shall be enlilled 10 enler upon, 'ake possession uf and maoage Ihe
I'rnperly and 10 colleclthe rems oflhe"ropcrlY including lho.e pasl due. Any rellls eolleeled by Lender ur Ihe receis'er
shall be applied firsllo paymenl of Ihe cosls of managemelll of Ibe ProperlY and <,nlleclinn of renlS. indlHling. hu, lIur
limited 10, receiver's fees, premiums on receiver's bonds and reasonable all()rney~' fees, and lhcnlo Ihe SUfI1\ \c,,'un:d h)'
Ihis Securily Instrumellt.
21. Rele.... Upnn paymelll or all sums secured by this SecurilY IlIslrUmelll, Leudcr shall discharge II", Securlly
IIISlrumenl withoUl charge 10 Borrower. Borrower shall pay allY rc:cordatiun costs.
22. Relnstatemenl Period. Borrower's lime 10 reinslale provided in paragraph 18 shall ex lend 10 olle hour prim 10
Iheeommencemenl of bidding .1. sherilrssaleorolher sale pursuanllo Ihis Securily InSlrumenl.
23. Pureh.se Money Morlg.ge.lf.ny oflhe debl secured by Ihis Securily IlIstrument is lenllo 1I0rrnl\'er 10 a<'1uire
lillelo Ihe Properly, this Security Inslrumenl shall be. purchase mOlley morlgage.
24. Interest R.te Afler Judgment. Borrower agrees Ihallhe inlerest rale payable after a judgmenl is cnlcr<d 011 I he
Nnle or in an aClion ofmorlgage foreclosure shall be the rale payable from lime 10 lime under Ihe NOle.
25. Riders 10 Ihls Security Instrument. If one or more riders arc execuled by Borrower and recorded logelher wilh
Ihis Securily Instrumenl. Ihe COvenanls .nd agreemenls of each such rider shall be incorporaled inlo and shall amend alld
supplemenl Ihe coveoanls .nd agreemenls of Ihis SecurilY Inslrumenl as if Ihe rider(s) were a pari of Ihis Seeurily
Inslrumenl. [Check applicable box(es})
o Adjust.ble Rale Rider
o Gradu.led Paymenl Rider
o Olher(s) [specify)
.
o Condominium Rider
o Planoed Unil Development
o 2-4 Family Rider
Rider
BY SIGNING BELOW, Borrower .ccepls and agrees 10 Ihe lerms and coveo.nts eonlained in Ihis Securily
Inslrumenl and in any rider(s) executed by Borrower and recorded wilh il.
W23'lness :
.' ' . (,
....7~= "~"l-m
.;/-:.~.~..t.. ....u'i?-Jf,).......................
...:/ ~ //
.,d.;......(.D..~~~,,,................................(Seal)
Lee E. Vanasdlen /J -BoUDWt:t
fJ .::- J //
...~t..~..6.....!l..fl:.7J..If.-.kr::t..t.r,;.,..:................(Seal)
Sara E. Vanasdlen -Ik>"ow",
COMMONWEALTH OF PENNSYLVANIA.
r'llmherland
Coullty ss:
On this, Ihe 8 day of March ,19 85 . bcfore lIle.
Ihp undersigned officer, personally appearcd Lee E. Vanasdlen-and-
Sara E. Vanasdlen ,h/w kllownlo me (or salisfaclOrily
proven) 10 he the person 'Sf whose ""ime S are subscribed to the within instrumelll
and acknowledged that thev executed the same fur the purposes herein cunwinctl.
.i":.' .1~~~~1.~)ESS WHEREOF, I hereunto set my hand and official seal. '._......... ('
'N ,. ..'r iJ 1; i\." ..f- . LA\..' 11.\ '--A'i...
:'1' " ~y.~o'mmissi"g':xpircs:. ,. ,'1 '-<. I .. .
~i.k :..'~.~~Mf14.~1(('ll)5 :.':....:~I.I.:.. Notary
P' - Title DIGl/lcer
Il\{ ....;..<:..~.~.I\:l:..,'.; . .. . . . .". L'iJ . .
(... I eert'J,I\I/l'at Ihe preCISe plaec 01 bUSlIlCSS of the w,lh,n oamed MorlgageCls I ~ff:'l Slreel. Carl sle, PA
. 'II \' \ ;) / I"~ ~
//<./~....... ( / (J~ ,;J.... J~
17013.
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RtCORDED inlhe Office for Recording of Deeds in and for
rr.. .', .....:.P........,/.........
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....~~,... in M'Orlga~;.Uonk
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No.
Page
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Recorder
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NOTE
March 8,
.......,.....................................................J
85
19..........
........~~!;'J.t~l~............., .............!?.lw.IJ!I..,.............
ICoIyI ISIII.,
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(P'~ly Addreul
I. BORROWER'S PROMISE TO PAY
In return fllr :I Inall Ihal I have JC'cclvl'll, IIHUIIII~C' lop:!y U.S. S...2.3,..9.an..O.Q.......".... (lhl~ :III1UUIIII! cilllrd
"prlnclp,I"). pin. IIIlcle.l, Inlhe lIId., of Ihe t.cIHI,'f. The Lcnderl,CAIU.lSI.E./IUfI.DING ANI> LOAN ASSOCIATION.
IUIHJenlilluJ Ihat the l..eml"r may lfilmfcr Ihls Nole. The Lemler (lr anyulle' whulilkes Ihls NUle hy Ir:msrer 3nc.1 whtll5 CII'
1I11ed In.eeelve p.l'menl. ullde, Ihl. Nule I. e.lled Ihe "Nulelllllder."
2. INn:R~~"T
Inleresl will be charged on unpaid principal unlil the fullamounl of principal has been paid. I will pay intereslal a
yearly rale of...l~...1.5...........0/0.
The inle'esl rale required by lhis Seelion 2 is Ihe role I will pay bolh before and after any defaull described in
Seclion 6(B) oflhis Nole.
3. PAYM~:NTS
(Al TIme and l'laee or Paymenta
I will pay principal and inleresl by making paymenlsevery 1II0nlh. in accordance w/lending agree.
I willll13ke my mUlIthly (layments un the nrsl day or each 1I1Ulllh h('~inl1ing on ....................".."......}(.~X.......
19.......... I will mnke these payments every month until I have paid nil of the principa1 and inlerest and any olher charges
descrihcd be/ow Ihall mar owe under Ihi. Nole. My monlhly payments will be applicd (0 inlerest bcfnre principal. If. on
15 yrl;\...1:,I;9m...Il.iI.1;~...9.j;... 1>.J:....P.!l.Y.." I slill owe amounls under Ihis Nole, I will pay those amounls in full on Ihal dale,
which is called Ihe "malurily dale."
I wllllllake lilY mllnlhly p.ymenls al 17 Wesll/igh Slreel, C.rlille.l'ennsylv.nia. 17013 or al . differenl place if rc.
quired by the Nlllel/olde..
(0) Amount of Monthly Payments
My 1II0nlhly paymenl will be in the amounl of U.S. $.......~9.a..4a.......................
4. BORROWER'S RIGHT TO PREPAY
I bave rhe righl 10 make paymenls of principal at any lime before they are due. A paymenl of priocipal only is
knowna.a "prepayment." When I makea prepaYlllenl, I will lelllheNole Holder in wriling Ihallam doing so.
1 may make a full prepaymenl or parlial prepaymeols wilhoul paying any prepaYlllenl charge. The Nole Holder
will use all of my prepaymenls to reduce Ihe amount of principal Ihal I owe under rhis Nole. If t make a partial
prepayment, lhere will be no changes in the due dale or in tbe amounl of my monlhly payment unlcss Ihe Nole Holder
agrees in writing to those changes.
S. LOAN CHARGES
If a law, which applies 10 this loan and which sel. maximum loon chargcs. is finally interpreted so Ihatlhe inleresl
or olher loan charges collecled or 10 be collecled in conneclion wilh Ihis loan e.ceed Ihe pcrmilled lilllils. Ihen: (I) any
such loon charge shall be reduced by Ihe amounl necessary 10 reduce Ihe charge 10 Ihe permilled limit, and (ii) any sums
alreadyeollccled from mc which exceeded permilled Iimils will be refunded to me. The NOle Holder may choose 10 make
tbis refund by reducing Ihe principal I owe under this Nole or by making. direcl payment 10 lIIe. If a refund reduces
principal, the reduclion will be Ire.led as a parlial prepayment.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(A) Lale Charge ror Overdue Payments
If Ihe Nute Huhler h.s nol received Ihe filII :nnuunl uf allY lIlunthly paYlllenl by the end uf nfteen (15) calend.r .
days after Ihc d.le it is dlle. I will p,y a laic eh.rge lu Ihe Nule lIulder. The 'lIIounl of Ihe charge will be fnur (4) % uf lilY
overdue payment of principal and inlcrest. I will pay Ihis late charge promplly but only once on each laic paymenl.
(8) Default
If I do nol pay Ihe full amount of each monlhly paymenl on thedale il is due, I will be in default.
(e) Notice of Default
If I am in defalllt.lhe Nole Holder may send me a wrillen notice lei ling me lhal if( do nol pay rhe overdue amounl
by a eerlain dale.rhc Norc Holder may require me 10 pay immedialcly Ihe full amount of principal which has nol been paid
and alllhe interest that I owe on that amount That date must be at least 30 days after the dale on which the notice is
delivered or mailed 10 me.
(0) No Waiver By Note Holder
Even if, 'II a lime when I am in default, Ihe NOle Holder docs nol require me to pay immedialely in full", described
above, Ihe Nole IloJdcr will still have the right 10 do so if I am in dcraull at a later time.
IE) Payment of Note Holder's Costs and Expenses
If thc NOle lIolder has required lIIe 10 pay immediately in full os described above. Ihe Note Holder will have Ihe
righllo hc paid back hy me for all of its costs and expenses in enforcing Ihis Nole to Ihe cxlenlnol prohibited by applicable
law. Those expenses include, for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless aprlicahle hlw requires a different method, any nOlice that must be given to me under this Note will be given
by delivering il or by mailing il by firsl cia.. mail 10 me allhe Properly Address above or 01 a differenl address if I give Ihe,
Note Ilolder a nOlice of my differenl address.
AllY nolice tl1l11ll1Usl he given to the Note Ilolder under Ihis Nole will he given hy mailing it by fir.o;1 dass mail 10 Ih ~ f-o.
Nute Holder al lhe llddress staleu in Seclion J(A) above or al a different address if I am given a notice of Ihal difTeren LL. _
~~ ~~
MULTISTATE FIXED RATE NOTE-Single Family-FNMA/FHLMC UNIFORM INSTRUMENT Form 3200 12/83 3 t'i
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Pennsboro Township, Cumberland County, Pl:nnsylvania 17013.
4. A copy of the Note is attachcd hercto and incorporated hcrein as Exhibit "B"
5. Plaintiff, in consideration of the said Mortgage and Note advanced to Lee E. Vanasdlen
and Sara E. Vanasdlen the sum of Twcnty-Three Thousand Nine Hundred Dollars ($23,900.00).
6. The premises subjcct to said mortgage is more specifically sct forth in Exhibit "A".
7. Lee E. Vanasdlen and Sara E. Vanasdlen are the sole owners of the said premises securing
said mortgage.
8. Said Mortgage has not been assigncd in whole or in part by the Plaintiff herein.
9. That said Mortgage is in default bccause Defcndants herein have failed to make the
following payments: payments of $307.54 for the months of September through December, 1998;
and January, 1999 through March, 1999, late charges in the amount of $47.76.
10. The Plaintiff has given to the Defendants written notice of intcntion to foreclose on said
Mortgage as required by Jaw under Act 6, dated January 6, 1999.
11. The Plaintiff has given writtcn notice of default as required by the Homeowner's
Emergency Assistance Act of 1983, dated January 6, 1999.
12. That due to Defendants' default the entire principal amount of Twenty-Three Thousand
Nine Hundred Dollars ($23,900.00) has become due and payable, together with interest at the
current rate of 12.75% per annum, reasonable legal fees for collection of said sum in accordance
with the terms of said mortgage less such sums as have been paid on account of principal of the
said Mortgage and costs.
13. The Plaintiff believes and thercfore avers that reasonable attorney's fees for collection of
the debt is $1,000.00 and that it will incur such amounts.
14. The Defendants are liable 10 the Pluintiff filr illlercMtlltlhc currcnl rute of 12.75% per
annum, late charges, property tllxeM IImll'~pcnMcM 11M providcd In the MorlllllllC documents thai will
accrue until distribution by thc Shcriff of Cumhcrlllnd County, I'ennsylvania, to be computed al
the time of judgment in these proceedings, in IIddilion 10 thc current halancc.
15. The Defendants are Iiahle 10 Ihe Plllillliff for thc lhllowing on said Mortgagc loan:
a.
b.
c.
d.
e.
f.
g.
Principal
Interest to 3/17/99
Late charges 10 3117/99
Escrow due
Search fees
Appraisal fces
Allomey's fees
$7,606.34
605.80
47.76
36.30
100,00
150.00
1.000.00
TOTAL AMOUNT:
~ 9.546.20
16. The Plaintiff believes and thcrclhrc avcrs that the Dcfcndants are not members of the
armed forces nor are they in the military scrvicc of the Unitcd States of America.
WHEREFORE, Plaintiff, Harris Savings Bunk demunds Judgment in its favor and against
Defendants Lce E. Vanusdlen und Suru E. Vunusdlcn in the umount of $9,546.20 plus interest at
the current rate of 12.75% from Murch 17. 1999, until puid, additionallatc charges and costs of
preserving the collateral and costs of suit.
Date:
3/(? Al
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Rcspcctfully submiltcd,
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Richurd C. Ruben, Genera -Gounsel
Hurris Suvings Bank
Sccond and Pine Streets
Harrisburg, PA 17101
(7 I 7) 236-404 I
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TillS MORTGAGE ("Security InslrUmCnl") is given un ........ .l{iln::l1..(I......................... .
19. ..8 S. . The mnrlgagor is .. LEE. E o. .VANASDLEN . aDd, SARA. Eo. .VAblASDLEN. . .. . . .. .. . .. .. .. .
. his .wife,....,....,.............,..............,.... ("/lnrrnwer'). Thi. Sccurity Inslrumenl i. given In
CARLISLE /lUII.DING ANI> LOAN ASSOCIATION, which is nrgani,ed and exi'ling under Ihe laws of Ihc
Commonwealth of Pennsylvania and whosc addrc.. is 17 Westlfigh Slreel. Carlisle;, I'eqnsylvania J70I.lJ"Lendcr').
Borrower ow.. Lender Ihe principal sum of .... 'j:'.\O{~TltY. . :I:J:l,,~~.. 'J.'.I19).!llAt;lH. ~.;!1,~. .I!\lA<;l;r:~P;.........
. . . .. . ... .... '" . . ....... . ... ., Dollars (U.S. $. .23.,9.00,.0,0... ), This debl is evidenced by /lorrower'. nole
da!ed th~ same dale as this Seeu,ilY Instrumenl ("Nnle"). wbich providcsfnrmonlhlypayment., wilh the full debt, ifnol
paid earlier, due and paYllblc on ................,...... . . .. . , .. ...... .... . ... . . ., . This Security Instrument
secures 10 Lender: (a) the repaymenl of the debl evidenced by Ihe Nole. with inleresl. and all rcnewals. ex lens ions and
modifications; (b) Ihe paymenl of all olhersums, wilh inlere.t. advanced under paragraph 710 protecllhe security ofthis
Securily Instrumenl; and (el Ihe performance 01 /lorrower'. eovenanls and agreement. under Ihis Securily Inslrument
and the Nole, For this purpose, Borrower does hereby mortgage. grant and convey 10 Lender Ihe following de.cribed
property loealed in .... .cwuberland............................................ County, Pennsylvania;
ALL THAT certain tract of land situated in Mt. Rock, Township of
West Pennsboro, County of Cumberland and State of Pennsylvania, bounded
and described as follows, to wit:
BEGINNING at a stone;thence by land formerly of Sara Danner, now of
Oren Kitzmiller, South 31 degrees East 7.1 perches to a post; thence
by land now or formerly of Floyd Bitner, South 85 degrees West 7.5
perches to an apple tree (blown down); thence by land formerly of
Levi Failor, now of Leib Myers, South 76 1/4 degrees West 20.3
perches to a post; thence by land formerly of John Seitz, now of Earl
Tritt, North 14 degrees West 8.7 perches to a post; thence by land
formerly of Levi Failor, now of Earl Tritt, North 82 3/4 degrees
East 25.5 perches to the place of beginning.
CONTAINING 1 acre and 70 perches, and having thereon erected a two
story brick house and outbuildings. LESS,HOWEVER, a piece of land
16 feet in width along west side of the above tract; containing 8.6
perches as the same is fully described in deed from Caroline McKeehan
to Abram Et'cer, dated June 13, 1916 and recorded in Deed Book L, Volume
8, page 447.
BEING the same property which Ira E. Mell and Mabel M.Mell., his wi~e,
granted and conveyed unto Lee E. Vanasdlen and Sara E.Vanasdlen, h1s
wife, by deed dated March 8,1985, and recorded in the Cumberland County
Recorder of Deeds Office in Deed Book
which has the address of . .. . . .. . . . .. .. . .. . . .. . .~: P : .. ~!, . ~.'?~. . ?~?
(Street)
Pennsylvania .1.7.013..".,.........,.,... ("Properly Address");
fZlp Code}
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements. rights,
appurtenances, rents, royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or
hereafter a pari oflhe property. All replacemenls and additions shall also be covered by Ihis Securily Instrument. All of the
foregoing is referred 10 in this Security Instrumcut as the "Property."
BORROWER COVENANTS thai Borrower is lawfully seised of Ihe eslale hereby conveyed and has Ihe right 10
mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the liUe to the Properly again.t all claim. and demands, subjeel 10 any
encumbrances of record.
...". .G",J)!3),r;l.
ICily)
PLAINTIFFS
EXHIBIT
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TfIIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiclion to conslitute a uniform security instrument covering real properly.
PENNSYLVANIA-Single famlly-fNMA/fHLMC UNifORM .INST.RI!"'ENT,'r:~ J'
f'n',C:j,."rlitn t .1 '. "I j\llrl:t!tn(l'd
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Form 3039 12183
BUUK
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UNrroRM COVJ:NANI! Ilorro...r ond l.cnderenven.nlond oar.... full",.."
I. Poymtnl or Prlnclpol and Inl.,n.; Pr.poymrnl .nd I..,. Ollar.. 1I0rrower shall prompl/y pay when due
Ih. principal uf and in.e...' on Ihe d.hl.videnced by 'he Nnlc .nd ony rr'paYnlen' and laic char~.. due undrr Ihe NOle.
2. f'und. ror Tn.. and Inluran... Subjrclln .ppliClhle la.. nr In a ..rillen waiver by lender. 1I0rrower ,hall pay
'n I.ender on rh. day mun.hly poymenl\ arc due nndrr Ihe Nllle. unlit ,he Nllle i. paid in full, a sum ("Fund,") equal 10
nne.rwelfrh nf: (a) yearly I.... and O""\lnen'. which may 'lIain primily mer Ihi, Sreurily In'lrumenl; (b) yearly
lea\chuM 1',1)'11I('111\ or ~rolll1d rCII', on .hr PmpC'r1)', if any, h;) )C'arly fuuard in\IUallt.'c I'fI,'1l11Um\; .lIul hI) )'c:lrly
mnrlgap;C' il1\lInllll..'c premlUlII'. Ir all)', lhe\(' 11('111\ 11I(' {'/lfled "C"\(.'ww .Irlll\ ,. It"udr, may c\lllIIalc the rum" due nil Ihe
ha\i\ or euncllt dnlo /lud fCa\lIl1nhlr (','urllIlC\ nrrulurC' (,\l'rn" IlrU1\
The r:lInd, \hall he hrld in nn in\llIutUll1lhr dr(lf'''lh or ftft,'Htmh "("'!m"h arc lmurcd or Il ua 1'01 III <<d hy II fC'l!rrnJ or
\lalc ASt'flC)' (lOchuhlllt I.endrr If I.ffult'r 1\ ,u!,..h nllln\lllulllJlI~ I.rthl.., \11111111"1'1)' Ih(' FUlu" In pay Ihe ('\crow 11('11I\,
I.t'ndrr l1Iay filii (:hiURC fllr htllillllll Iml tlppl)'lfIj( Iht "'Ulltl\. ,,"nIYIIIIIC tllr nn:llunl or \itrlr)'IIIR Iht C'\".ro..... ilt'nl\, 1I111l."\'
tender ray\ IJorrower illl('rc"1 nn Ihr Fund\ Rnd .prlll'ahlt' law prmUl\ I,rlldrr In mille ~lIdl n c:harlte. Uurrnwrr and
..rnclN may :tltrcc in wrilinR fhal III1('rr,1 \hnllllt paul 1111 lhr FlIIltl, (l1I1('\\.m ltllrrcmrnf i\ nllldc or al'pliC:;lhlc hlw
requirt'\ inlerC'\llo he palll, I.elul('r \hallltnl he r('quirt'd III Pil)' Itnrw\\'rr :11I)' IIIIt'rC''\t or ('arning' nn Iht Flllul\. trnder
"hall give In Hnrrowrr, wilhnlll duug(', an allUUl11 nf."'IIUlIlllllt Clrlllt' "'1111(1\ \ho\\'1II1I "r(,f.lIl' IInd dchih In Ihe FUfUI" and the
rurrn\e ror which each dehit 10 the FUIIII\ WIt\ hili de. Th(' l"uIIlI\ arc r,lrdgcd B\IUfdlliCllHII c,t(.'lIrily ror Ihe MllWi \cl'urrd hy
Ihi\ S<<urily Imlrunlenl,
If Ihe nlllnunlnf Ihe FundI held by I.ender. In~r1"c' wilh Ihe fnrurr lIIunlhly paYlllenh nf 1'11I111, paYllhle prillr III
Ihe: due dalcCj or Ihe c\crnw itclII', ,hl1l1 eu'('(',J Ihl" 8111011111 r(,llllllc'tlln pay Ilu.' (,,'row ilelll\ whell due. Ihe eXl'e\\ \hllll hl',
nl nnrruwer', oplinn, ellher promplly r('rAid tn Unrrnwcr (l( clClJurd 10 IJmr"wcf tin ff1tlnlhly pnymcnl' of Fundli. If Ihe
amollnl of Ihe Fund" held by l.ender j, nut ,"mcienllo pay Ihe e",'ww ilel1l\ when due. IJorruwer shall PllY 10 lender nny
amounl nece""ary 10 make up Ihe denciency in one or more paYIIlCIII"D' requiret) hy I.t'nder.
Upon paymenl in full of all .umllCCurrd by Ihi. Securily In'lrumenl. I.ender shall prnlllpfly rrfund 10 1I0rtllwer
any Funds held by lender. If under r.,aaraph 19 thel'rnpcrly i. sold 'If nequi,ed by I.ender, Lender shall apply. no laler
Ihan immedialcly prior to Ihe sale of Ihe ProperlY or it. aequi.ilion hy Lcndcr. any Funds held by Lender nllhe lime of
applicnlion asn credit ngainsllhe sum'lCCured by ,hil Srcurily 'astrulllent.
3. Application or Paymen'.. Unl... nprlieahle Inw provides olherwisc. all pnymelll.' received by lender under
paragrnphs I nnd 2 ~hall b. applied: finl. 10 'ale charges dae uador Ihe Nole; second. 10 prepaymenl ehnrge. due under Ihe
Nole; Ihird, loamouuls payable under parngrnph 2; fourlh,lo ialcre.' due; aad 1..'1, In rriocipal due.
4. Charges; Uens. 1I0rrower shall pay all la.es, a..elllllenls. charges. fine. and imposilions allribulnble 10 Ihe
Properly which mny allain priority ovrr Ihi. Securily In\lrumenl, nnd leasehold payments or ground rrnl.. if nny,
1I0rrowershall pay Ihesr obligalion' in Ih. manner provided in paragrarh 2, or if nol raid in Ihal manner. Borrower .hall
pay Ihem on lime directly 10 Ihe person owed payment. Borrower shall promplly furni.h 10 Lender all noticcs of amounts
to be paid under Ihis paragraph. If Borrower makes these paymenls directly, Borrower shall promptly furnish to Lender
receipts evidencing Ihe paymentli.
Borrower shall promptly dilicharge any lien which ha" priority over thili Security Inslrumenl unless Borrower: (a)
agrecs in writing 10 Ihe pay men I oflhe oblignlion secured by Ihe lien in a manner aec.rtable 10 Lender; (b) conlesls in good
fnilh Ihe lien by, or defends againsl enforcemenl of Ih. lien in, I'gnl proceedings which in Ihe l.nder's opinion opernle 10
prev.n'lhe enforcemenl of Ihe lien or forfeilure or any pari oflhe I'roperly; or (el secures from Ihe holder of Ih. lien an
ngreemenl salisfaelory 10 lender sUbordinaling Ih.lien 10 this Security InSlrulllent. If I.ender delermines Ihal nny pnrl of
Ih. Prorerly is subjecllo a lien which may allain priorily over Ihis SecurilY Inslrum.nl, lender mny give Borrower a
nOlie. identifying Ih. lien, Borrower shall salisfy .he lien or lake one or more of Ihe actions sri forlh nbove within 10 dnys
oflhe giving of no.ice.
5. Hazard Insurance. Borrower shnll keel' Ihe improv'lIlenls now e.i"ing or hereafter erecled on Ihe Properly
insured againlit loss by fire, hazards included wilhin Ihe term "exlended coverage" and any other hazards for which lender
requires insurance. This insurance shall be maintained in the amounts and for the periods that lender requires. The
insurance carrier providing the insurance shall be chosen by Dorrower subject to Lender's approval which shall not be
unrrasonably wilhheld.
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.
lender shall have Ihe righlto hold the polieie. and rrnewals. If Lender requires,llorrower ,hall promptly give 10 lender
all receipts of paid premiums and renewal nOlices. In the event of loss, Borrower shall give prompt notice 10 Ihe insurance
carrier nnd lender, lender may make proof of/os< if nol made promplly by Borrower.
Unless lender and Borrower olherwise agree in writing, insurance proceeds shall be applied 10 restoration or repair
of Ihe Properly damaged, if the restoration or rerair is economically feasible and lender's security is not lessened. If the
restoralion or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be
applied 10 the sums secured by this Security Instrument, whether or nol then due, with any excess paid to Borrower. If
Borrower abandons Ihe Property, or does noC answer within 30 days a notice from Lender that the insurance carrier has
offered to seule a claim, then lender may collect the insurance proceeds, Lender may use the proceeds to repair or restore
the Proprrly or.o pny sums sreured by Ihis Securily InstrulII,nt, whether or notlhen due. The 30-d'ay period will begin
when the notice is given.
Unless lender and Borrower otherwise agree in writing, allY application of proceeds 10 principal shall not extend or
postpone Ihe due dale of the 1II0nlhly paymenls referred 10 in paragraphs I and 2 orcbange the amount oflhe payments. If
under paragraph 19 the Property is acquired by lender, Borrower's right to any insurance policies and proceeds resulting
from damage 10 Ihe Properly prior 10 Ihe acquisition .hall pass 10 I.ender 10 Ihe extenlllflhc sums secured by Ihis Security
Instrument immediately prior 10 the acquisition.
6. Prcservnlion and Mnintenance of Properly; I.easeholds. BorrnlVer shallnnl deslrny, dnmage or substantially
change the Property, allow the Property to deteriorate or commit waste, If thili Security Instrument is on a leasehold,
Borrowershall comply wilh Ihe provi.ions oflhe len,e. and if Borrower acquires fce lille Illlhe Property. Ihe leasehold and
fee title shall not merge unless lender agrees 10 the merger ill writing.
7, Protection or tender's RiRhls in Ihe Properly; Mort~agc Insurance, If norrower fails to perform the
cO\lenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly arrect
lender's rights ill the Property (such as a proceeding in bankruptcy, probate, for condemnation or to enforce laws or
regulations), then Lender may doand pay for whalever is necessary to protect the valuc of the Properly and lender's rights
in the Properly. lender's actions may include paying any sums secured by a liell which has priority over this Security
Instrument, appearing in court. paying reasonablc attorneys' fees and entering on the Property to make repairs. Although
lender may lake action under this paragraph 7. lender does not have to do so.
Any amount, disbursed by lender under Ihis paragraph 7 shall becnme additional debt ofllorrower secured by Ihis
Security Instrument. Unless Borrower and lender agree to other lerms of pay men I, these amounts shall bear interest from
the date of disbursement at the Note rate and shall be payable, with interest. upon notice from Lender to Borrower
requesting payment.
BOOK
--? CE
I I.. PA
61
If I.tlulC'r Jf\tUlfrd rnurlgasc in\urall\'C' 1\ I ,,'unthlltUl n( md.Ulllh(' h\4n l('l,:urt'd h)' Ih" Scl'urll)' Iru.trumenl,
Uorru\llo'er ,h.1I ~) Ihe rrenllum\ re4Ulftd hllHtllOl"lII Ihe Imuram:c lit d'fC'cl unlll ,ul'h time A\ Ihe re4ulfefl1enl fnr Ihe
III\Urant:c IClllllnoll('" 1fI..~'~:nrt'.tll\'(, with lJurfU\H'I\;md l,(n'Jcr'~ ~rilh:i1 ".'C"C'ml'n1 nr .prhclblr lAw.
08. In,pC'rUun. Il'uller ur ll!'t tl8"lllllld)' fIIdil.r JrOl\ullablr rnHIt'" "1"111 Ind 1I1\1'I('\'IHIII\ ur 1I1e' I'wpcn)'. I.ender
,hall 81\e Uorru'AC'r IlOlu:e "llhe IlUle of ur ptlor 10 alllll\pa:liol1 'fl<<lf)'lI1l re'\(lJIlble cau~ for the' m\pecHan.
9. ('ondrmnIUnn. '( hC' pwc('(,lb of All)' av.'.ard or dairn for dalllitle,. dlr<<'1 or c:onwo.quC'nltal. in conncclion wilh
an)' cOIuJr:mllltum or ulher tilklllB of all)' pilll ur Ihe I'rupen)'. ur for L'ull\'C')'ln"C' lfI heu uf ,'onl.1emnalion, are hereby
."isned and ,hili I>< p.,d I.. tender
In Ihe ('\enl or.. Inl..1 ,..klllg 41f the- I'WI'('fl)'. Ih(' proceed\ \hall he appllN hllhe ,urn" Ioa:urrd b)' Ihis Securily
In\trumelll, whcthcr or Ill.' then due, with 1111)' t"~'e\\ paid to Uorrower, In Ihe ('\,enl or II parllallakHlg of Ihe Property,
unlc\\ Uorruwrr ~uHI Lendrr olhrrwi",e aarer 111 Wflllllg,lhc "UOIS sC\.'ure-d h)' Iht" Sec.'unl)' In\trumrnllhall be re-duced by
the anwUlIl u( IhC' (llOl,:n',I\ II1Ullirllcd h)' IlIr flllluwlIIll fruclion: (a) the lul.1 .muulIl o( Ihe 'UIIU ,('cured immedialrly
I><fnre Ihe I.k,n., ,1i,"lc,1 h~ Ih) Ihe fair llIu,kCI ",Iue uf Ih< "wperly "nmedlulely b<fllre Ihe lukin~. Au~ balauce ,hul/ be
pold 10 1/1Irruwer.
If the I'wperly I!II ahundullcl.1 by lJurruwer. ur If. afler nolic.-c hy I.ellder In Uurruwcr Ihal the condemnor offers to
make un awu,d lit .."Ie I d."" fnrd.llIage., I/urru....r fill. iu respond 10 I.eud.r wllhln .10 day. ancr Ih. dale Ihe nuliee is
silcn. l.ender i. .ulhori/Ctlln wI/eel und apply Ih. proceed., Ul ils opliun. eilher Itl reMoralion or repair oflhe Properly or
to Ihe sUIll55ccurcd by ,hi. SccurilY InslrullIelll, whether or nOllhen due.
Unless I.ender alld lIortllwer olherwis< "sree in wrilins. any appliellion orptllcecd.lo principal shall nol eAlend or
poslpone Ihe due dale oflhemonlhly paymclIl' referred 10 III paragruphs I and 2 or ehangelhe amounl ohueh paymenls.
10. Dorrower No. RrJt"and: "'orbt.r.nC'c lIy tender Not. W.'nr. f~xlC'n\iun or Ihe time ror pa)'menl or
modificllliun or unmrlilDliOIl of Ihe sums ~cured by this Securily Inslrumenl grunted by Lender 10 uny successor in
inlertst o( Borrower shall 1101 operale 10 releu)e Ihe liubilily oflhe original Borrowcr or Borrower's sUCCC)Sors in inleresl,
Lender ~hall not be required 10 commence proceedings uguinsl any successor in inleresl or refuse 10 exlend lime for
paymenl orolherwise modify amortizalion of the !.ums ~ured by this Sccurily Im,trumenl by reason of any demand made
by Ihe original Borrower or Borrower's sUCCC)SOh ill inlcrest. Any forhearance by l.ender in exercising any right or remedy
.hall nol be a waiver of or preclude Ih. exercise of any righlor r.medy.
tt. Sueees:lors and Assigns Bound: Joint and Several LIability; Co.slgners. The cOlenanls and agrC<lnents of
this S<curilY Instrum.nt.hall bind and benefillh. successors and assigns of Lender and Borrower. subjeello Ihe provisions
of paragraph 17. Borrower's cov.nants and agreemenls shall be joinl und several. Any Borrower who co.signs Ihis Seeurlly
Instrumenl bUI d"", nol cxeeule Ihe NOI<: (u) is eo.sisnins Ihis Seeurily Instrumenl only 10 marl gage, grant and convey
Ihal Borrower's Inler<s1 inlhe Properly under Ihe lerms of this S<eurilY Inslrumenl; (b) is nol personally obJigaled 10 puy
Ihe sums secured by Ihi. Securlly Inslrumenl; and (c) agr"'" Ihat Lender and any olher Borrower may agrec 10 ex lend,
modify, forbear or make any accommodations with regard 10 the lerms of Ihis Security Instrumenl or the Note withoUI
Ihat Borrower.s consenl.
12. Loan Charges. If the loan secured by Ihis Security Instrumenl is subject to a law which sets maximum loan
charges, and Ihat law is finally 10lerpreled so Ihal Ihe inleresl or olher loan charges collecl<d or 10 be eolleeled in
connection wilh the loan exceed the permitted Iimils. Ihen: (0) any such loan charge shall be reduced by Ihe amounl
ncc<ssary 10 reduce Ihe charge 10 Ihe permilled limll; and (b) any sum. alr<ady coll.cled from Dorrower which exeeed<d
p.rmilled Iimils will be refunded 10 Dorrower. Lend.r may choose 10 make Ihis refund by reducing Ihe principal owed
under the Nole or by making a direcl payment 10 Borrower. If a refund reduces principal. the reduction will be Irealed as a
parllal prepayment WilhoUl any prepaymenl charge under Ihe NOle.
13. Legislation Affecling Lender's Righls. If .naelmenl or explralion of applicable laws has lh. effecl of
rendering any provision of Ihe Nole or Ihis Seeurily Instrumenl unenforceable according 10 its lerms, Lender. al ii' oplion,
may require immediate payment in full of all sums secured by this Securily Instrumenl and may invoke any remedies
permllled by paragraph 19. If Lender exercise, Ihi, oplion, Lender shall lake Ihe sl<pS specified In Ihe second paragraph of
paragraph 17.
14. Notices. Any nOlice 10 Barrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by firsl class mail unless applicahle law requires use of anolher melhod, The notice shall be directed 10 the
Properly Address or any other address norrower designates by notice 10 lender. Any nOliee 10 Lemler shall be given by
first class mail to Lender.s address stated herein or any other address lender designates by notice to Darrower. Any notice
provided for in this Security Instrument shall be deemed to have been given to Borrower or lender when given as provided
in Ihis paragraph.
15. Governing La...; Severability. This Securily Inslrumenl shall be governed by federal law and Ihe law oflhe
jurisdiction in which the Property is located, In the event that any provision or clause of this Security Instrument or lhe
Nole connicls wilh applicable law, such eonniel shall nol affecl other provisions of lhis Securily Inslrumenl or Ihe NOle
which can be given effecl wilhoutlhe eonnicling provision. To Ihis end lhe provisinns of lhis Security Inslrumenl and Ihe
NOle are declared 10 be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of Ihe Note and of this Sccurity Instrumenl.
17. Transfer of the Properly or a Dcneficiallnteresl in Dorrower. If all or any part of the ProperlY or any
inlerest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural
person) without Lender's prior written conSCnI, Lender may. at its option, require immediate payment in full of all sums
secured by this Security Instrumenl, However, this oplion shallnol he exercised by Lemler if cxercise is prohihiled by
federal law as oflhe dale Oflhis SecurilY Inslrumenl.
If I.ender exen:iscs tllis option, I.ender shall give Borrower Ilolil.'e of il\xeleration. The notice shall provide a period
of 110t les!. Ihan .10 days from the date the lI(ltke is delivered or mailed within which Borrower must pay all sums !.ecured by
this Security Instrument. If Borrower fails 10 pay these sums prior 10 the expiratioJl of thi!. period, Lender may invoke any
remedies permitted by this Security InslrUment without further notice or demand on Borrower,
18. Harrower's Right to Reinstate. If Borrower JIleels certain conditions. Borrower !lhall havc Ihe right to h.lVe
ellforceJ11elll of this Security Instrument disconlinued at any time prior to the carlier of: (a) 5 days (or such other period as
applicablc law may specify for reinstatement) before sale or the Property pursuant to any power of sale cunt"ined in this
Security Il1slrumelll; or (h) entry of a judgment enforcing Ihis Securily Illslrument. Those conditions arc that Borrower:
(<I) PilYs l.cnder all sums which then wouid be due under this Security III~trull1ent and Ihe Note had 110 accelcration
occurred; (h) curcs any default of any other covcnmlls or agrecments; (e) (lays all expenses incurred in enforcing this
Security IU!ltrulllent, including, but not limited 10, reasollable attorneys' fees; <lnd (d) takes sut:h <lction as Lender may
reasonably require to assure that the lien or Ihis Security Instrument, l.ender's rights in Ihe Property and Borrower's
of>ligation to pay the sums secured by Ihis Securily Instrument shall continue unchanged, Upon reinstatement by
[l()rrower. Ihis Sccurily Inslrument and the ohligations secured herehy shall remain fully effective as jf 110 llcccleration had
occurred, lIowc\'er, thi!o. righllo reinstale shalllltll apply IlIlhe case ofac(;'c1crationllllder pafilgraph!o. I J or 17.
. .
NUN.UNIfURM CmlNANIS lIorrm.er and I...nder further covenanl and aar"".. (0/1..."
t9. MeelerlUon; Remedies. !.ender oba/l .he nolle. 10 lIorru...r prlur lu IrcrleraUun lullu..lna lIorru...r'o
br.leb olany .o..nanl on.rum.nlln Ihl. Security Inolrum.nl Cbut nol prlortolre.l.raUon und.r plfaarlph. IJ Ind 17
unl... Ippllelbl. II" pro,ldes olb.r..I..). l.end.r ohlll notify lIurru...r of, amun. olh.r Ihlna.: (1IIh. d.fIUII; tbllh.
aeUon roqulrod 10 cur. tb. d.llult; tel ..h.n tb. d.l.uU muot be eurod: .nd tdllhl' I./lur. 10 cur. Ih. d.f.ult .. oprrllled
m.y rnult In .eederlUon of Ih. .um. ..eufed by thlo S.eurlty Inolrum.nl, fur.elu.ur. by Jodlel.1 proe..dlna ..d ..I. of
Ib./'roperly.I.e.der oh.1I lurth., 1.lorm lIorro...r ollh. rlablln relnol.te .fl.r orerln'llon and th. ,Iabl lo...,r1ln lh.
foreclosure proC'tedlna the nun.ull.fnn or. ddlull or In)' ulhu ddcnu of Uorrmtrt to .('etln.llon and fllrl'('lo,ure. If
Ihe default I. nol ..rod.. .perllled,l.end.r II iI'lIp,lon may r.qulre Immedl'le p.)mrnltn rull of.1I 10m. ..ruro4 hI Ihl.
Security In.lromenl ..lthoul furlb.r d.m.nd I.d m.y fur.eto.. Ihls Sreurlly In.lrumrnl by Jndlel.1 prnreedl.a. Irndor
Ihlll be .nUlled 10 eulleela/leapen... Incurr.d In puftulnllh. remedl.. pro,ldtd In Ihl. paraar.ph 19, Inrludlna, bul nol
limited lu, allornoy.' fe.. Ind CO'II 01 UII. ..Id.nc.lo Ihe ..I.nl permlllrd by .ppllelblrl....
20. l.endtr In l'o""lIlon. Urxm I"..dtr.tiun unllt'r paragrllph 19 ur arn.ruJunruC'1I1 (If Iht l'wpC'rI)'. lender (III
persOll, by agcnt or by judi<<:lally appointed rtf.:('I\'cr) ~hall ~ (ntitled In cnltr uptln, :...(' 1")'\('\\11)11 or and nUlII1ltC' ,h~
/'rupcrly .nd 10 eoll<Cllhe ren.. nf Ihe I'ruperty lIIc/udlllg Ihu,e pa,1 due. Any renl\ ....lIecl.d by I.eoder III Ihe rccClle'
!lhall be applied tint In paymenl of the co\I" u( rnanagrlnC'1I1 of Ihe .'rnpcrly anll ,"oll('l,.'lIol1 of rellh, lIlcludllllC, hUI 1I0t
limited 10. receiver's fees, (lre",ium~ un rcccivcr\ h4.lOd\ and rca~ollablc: allurney,' fet'\, am! thcII tn the 'UIII' \cl,'urcd hy
Ihi, Sccurily Imlrumelll.
2t, Releue, Upun paymenl uf.1I "1111\ ,ecured by Ihi. S<'CuriIY In,lrulllenl. I.cmler ,hall d,wha,ge Iln, Sccurlly
Instrument without charge 10 Uorrower, IJurruwer shall pay uny recordation C()~t!t,
22. Relnltalemenl Period. lIorrower'slime 10 rein\lale provided in paragroph 18 ,hall e'lend lu nne huur prior tu
Ihe eommeneemenl ofbidding.ta sheri D's sale or olher ..Ie pursuanllu this Seeurily In,lrulllenl.
23. Pu<<hue Money Morllllge.lfany oflhedebl>ccured by Ihis S<curilY In>trumenl "lenllU Uorrower 10 acquire
lille lu Ihe Property, Ihis Security InSlrumenl ,hall be. purchase money murlgage.
24./nterClI nile After Judgmenl. Burruwer .grees Ihallhe inleresl rale payable after ajudgmenl is enlered onlhe
NOle or in an aclion ofmortg8ge roreclosure shall be the rare: payuble from lime to lime under the: Note.
25. Riders 10 Ihls SeeurUy /nslrumenl.lf one or more riders arc ..eculed by Uorruwer and recorded It.gelher wilh
Ihis Security Inslrumenl, Ihe covenanls and .greemenls of each such rider shall be ineorpor.led inlo and shall amend and
supplemenl Ihe coven.nls .nd .greemenls or Ihis Securily Inslrumenl .s if Ihe rider(s) were a part of Ihis Seeurily
Instrumenl. [Check applic.ble 1>0'(05)]
o Adju,l.ble Ra'e Rider
o Gr.du.led Paymenl Rider
o Olher(s) [specify)
o Condominium Rider
o Planned Unil Devclopmenl
o 2-4 Family Rider
Rider
BY SIGNING BELOW, Borrower .ccepls .nd .grees 10 Ihe terms and covenanlS conlained in Ihis Seeurily
InSlrumenl .nd in any rider(s) ..eculed by lIorrower .nd recorded Wilh ii,
WA'ln05~i ,'.
(,k," (
.... ....;i~ft....... ",' \:Y;..,!L.................
.r:.:.~,~..TL....~I~7j.?,).......................
..d~~a:"'...,.r.I~"................................(Se.l)
Lee E. Vanasdlen -80"ow"
...JI.t...~..t:...t/rt../J..I..-~{{{,..:................(Seal)
Sara E. Vanasdlen -80".."
COMMONWEAI.TH OF PENNSYLVANIA,
('nmbE'rland
County ss:
On this. lhe 8 day uf March ,19 85 ,before IIIC.
Ihl' undersigned uffiecr, personally appeured LllO Ii: , "anil$dlen and
Sara E. Vanasdlen, h/w known tu me (or satisfactorily
proven) to be the person '? whose name -S-are subscribed to the within instrument
and acknowledged that they executed the same for the purposes herein contained,
/', I~'WII.NESS WHEREOF, I hereunlo 'etlllY hand and offici a! seal. ".
\ol ,..;i:~.t;i\..:: :~/- . ['I' . II \ l , AX.
d~ " iVly,~o'lIlmissiOlJ':xpires: . ' vI \..( '-- ( . .
"",i :,jullJf14,'19'b!i ... , Notary
(\'J' *. ! W 0..(' ,ll. { , ,
Q..J'~ :.....<<:.,. ..:: '.'.' J TllleOIOlhcer
- '\ ',. ',', ,~, r ,{\'\' ", . ... C'\
' C" i ccrti.l),,~liillhc precise place 01 businessoflhe wnlunnal11ed Morlgagee is I~ig)l Slrecl, Carl'slc, PA 17013.
. 'II\' \ ,oj /- (1"-_ I
..../o....:....!.....' ( t. -' 0 S-..,'
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RECORDED in the Office for Recording of Deeds in aod for
/
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."1 _/ in Mortga~1J ,Bonk
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No,
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Recorder
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.
4
NOTE
.....................~~,!:,~,~..,~..~.................., 19....~.~.
........!;; ~.~~J .s.l g... ........." .......... ..J',\l.lllI!?...............
(Crt,) 'S'"')
R.D. 4, Box 257, Carlisle Pat 17013
..................,............................,..............................!...................................
Ir'i'lpf"I'l,MchuJ
................."....,..................................
I. BORROWER'S PROMISE TO I'AY
In refum fur a lUJII Illal IIIiIH' ''''\'('''\'I."d, IllIHIlli\t" III pit}' II,S. S.. 23#.9.00...0.0............. (thb 11l1luunt 15 calltd
","lncip,I").I""' In'C1C\'. 'H th. HId., H',h. ....,"lr'. Thc ....ndrr it CAllUS!.!: IIU/I.IJING AND !.OAN ASSOCIATION.
'ul1dentillld Iha. lhe '..(Onder '113Y "..",ft, filii Null'. '111C~ LClltll" (lJ ;lIIY"II(' whlllaJ..:rs Ihls Nule by Ir:lInrcr anc.1 wlln is en.
IiIIC'd In recrlve payme'II" 1II1ller fhh Null' is 1'0I1led fhr "Null' Jlllldl'r."
2. I Nn:R .:'IT
Inlercsl will be charged on unpaid principal unlillhe full amounl of principal ha. been paid. I will pay interesl al a
yearly raleof..l~...:7-l;...........%,
The inlcre'l 'ate required by this Seclion 2 i. Ihe rale I will pay bolh befure and after any defaull described in
Scclion 6(h)oflhi. Nole.
3. PAYI\n;NTS
(AI Time and Plaee of Paymentl
I will pay principal and inleresl by making paymenl. every monlh. in accordance w/lendin9 agree.
I wlllll1ake my nWllIhly payments on the fir51 day of each month heginning un ................................:k~.X.......
19.......... I will make Ihese paymenl. every monlh unlill have paid all oflhe principal and inlere.t and any olher charges
described below lhall mal owe under Ihis Nole. My monlhly paymenls will be applied to inlereSl before principal. If, on
15 yr&..JXQffi..,9.iI:t;li\...R.t:... 1il.!;..P.ily'.., I SliII oweamounls under Ihis Nnle.l will pay those amounls in full on Ihat dale,
which is called Ihe "malurily dale."
I will make my mllnlhly paymenls a' 17 WC51High Slrrel. Carli.le. Pennsylvania. 170 '3 or al a different place ifre.
qui red by Ihe Nllle Huldrr.
(8) Amount of Monthly Payment.
My monthly paymenl will be in Ihe amount of U.S. S........29S..4a.......................
4. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of principal at any time before they are due. A payment of principal only is
known as a "prepayment." When I make a prepayment, I will lell the Nole Holder in writing Ihall am doing so.
I may make a full prepaymenl or partial prepayments wilhout paying any prepayment charge. The Nole Holder
will u.e all of my prepayments 10 reduce the amouot of priocipal Ihal I owe under Ihis Nole. If I make a parlial
prepaymenl, Ihere will be no changes in Ihe due dale or in the amount of my monlhly paymenl unless Ihe Note Holder
agrees in wriling 10 Ihose changes.
S. LOAN CHARGF..s
If a law, which applies 10 Ihis loan and which sets maximum loan charges, is finally intcrpreled so Ihalthe inleresl
or olher loan charge. eollecled or to be collecled in conneclion with Ihis loan exceed Ihe permilled limils, Ihen: (i) any
such loan charge .hall be reduced by Ihe amounl nccessary to reduce Ihe charge 10 the pcrmilled Iimil; and (ii) any sums
already colleeled from me which exceeded pcrmilled limils will be refunded to me. The Note Holder may choose 10 make
this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces
principal, Ihe reduction will be Irealed as a partial prepaymenl.
6. BORROWER'S FAILURE TO PAY AS REQUIRED
(M Lale Charge for Overdue Payments
If Ihe Nole Hulder has nllt received Ihe full amoonl uf any munthly payment by Ihe end uf nfteen (15) calendar
days aner the dale iI is due, I will pay a lale charge 10 Ihe Nllle I1lllder, The amHunl uf the charge will be fonr (4) % Ilf lilY
overdue paymenl of principal and inlerest. I will pay Ihis lale charge prompl/y bul only once on each laic paymenl.
(8) Default
If I do nul pay Ihe full amount of each monlhly paymenl on Ihe dale il is due. I will be in default.
(C) Nol/ce of Defaufl
If I am in default.lhe Nole Holder may send me a wrillen notice telling me Ihal if I do nor pay the overdue amounl
by a certain dale,lhc NOle Holder may require me to pay immedialely Ihe full amount of principal which has nol been paid
and all the inleresl Ihat I owe on Ihal amount. Thai dale musl be a' least 30 days after the dale on which Ihe notice is
delivered or mailed 10 me.
lD) No Waiver By Nole Holder
Even if, al a lime when I am in default, the Note Holder docs nol require me 10 pay immediately in full as described
above, Ihe NOle Holder will slill have Ihe right to do so in am in default al a later lime.
em Paymcnt of Notc Holder's Costs and Expenses
If Ihe Nole I10lder has required me 10 pay immedialely in full as described above, Ihe Nole Holder will have Ihe
righllo be paid back by me for all ofils cosl. and expenses in enforcing Ihis Nole 10 Ihe exlentnol prohibiled by applicable
law. Those expenses include, for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless llPplicable law requires a different method, any notice thai must be given to me under this Note will be given
by delivering it or by mailing it by first class mail to me at the Property Address above or al a different address if I give the
Note Holder a notice of my different address.
Any nolice Ihal must be given to the Note Holder under this Note will be given by mailing it by first c1a~~ mail (0 Ihll'J) !::
Note Holder at the addres~ !;tated in Section 3(A) above or at a different address if J am given a notice of that differen 23
address. :%:
MULTISTATE FIXED RATE NOTE-slngl. fanllly-fNMA/fHLMC UNifORM INSTRUMENT form 3200 12183 Q., &1
, r"l1Rf.r',,:li"ll (
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C7\
RICHARD C. RUBEN
GENERAL COUNSEL
IDHARRIS'
U SAVINGS BANK
234 North Second Street. Harrisburg, PA 17101
(717) 231-7535, exl. 2916' FAX (717) 231.6186
AW lO.NOHlO~d ....................
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3. Name and last known address of additional judgment creditor~ whose judgments are a
record lien on the real property to be sold:
Name:
Address:
f
r
Harris Savings Bank
P.O. Box 1711
Harrisburg, P A 17105
Fanners Trust Co.
One West High Street
Carlisle, Pa 17013
Raymond E. Diehl &
Genevieve Diehl
c/o Michael J. ft, Esq.
10 East High Street
Carlisle, PA 17013
Elizabeth Baker
c/o William A. Addams, Esq.
28 South Pitt Street
Carlisle, PA 17013
4. Name and Address of the last recorded holder of evtry mortgage of record:
Harris Savings Bank
P.O. Box 1711
Harrisburg, PA 17105
Fanners Trust Co.
One West High Street
Carlisle, Pa 17013
5. Name and address of every other person who has any recorded lien on the property:
None
6, Name and address of every other person who has or may have any recorded interest in
or recorded lien on the property and whose interest may be affected by the sale:
Domestic Relations Section
13 North Hanover Street
Carlisle, P A 17013
First Union National Bank
1100 Corp, Center Drive
Raleigh, NC 27607-5066
First Union National Bank
645 Hamilton Street
Allentown, PA 18101
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3. Name and last known address of additional judgment creditors whose judgments are a
record lien on the real property to be sold:
Name:
Address:
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Harris Savings Bank
P.O. Box 1711
Harrisburg, P A 171 05
Farmers Trust Co.
One West High Street
Carlisle, Pa 17013
Raymond E. Diehl &
Genevieve Diehl
'/. Michael J. n, Esq.
10 East High Strcet
Carlisle, PA 17013
Elizabeth Baker
'/. William A. Addams, Esq.
28 South Pill Street
Carlisle, PA 17013
4. Name and Address of the last recorded holder of every mortgage of record:
Harris Savings Bank
P.O. Box 1711
Harrisburg, P A 17105
Farmers Trust Co.
One West High Street
Carlisle, Pa 17013
5. Name and address of every other person who has any recorded lien on the property:
None
6. Name and address of every other person who has or may have any recorded interest in
or recorded lien on the property and whose interest may be affected by the sale:
Domestic Relations Section
13 North Hanover Street
Carlisle, P A 17013
7. Name and address of every other person whom the Plaintiff has knowledge who has any
interest in the property which may be affected by the sale:
None
1 verify that the statements made in this Affidavit are true and correct to thc bcst of my
knowlcdge, information and belief. I undcrstand that false statements made hcrein are subject
to the penalties of 18 Pa,C,S. ~4909 rclating to unsworn falsification to authorities.
Date:
x;k-/9r
Respectfully submiUed,
BY#~
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
(717) 909-2916
\.D. #27767
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HARRIS SAVINGS BANK,
Plalntl"
v.
LEE E. V ANASDLEN and
SARA E. V ANASDLEN,
Defendants
-'----- .
IN TilE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99. J9Z2
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
AFFlDA VIT OF SERVICE BY MAIL
PURSUANT TO PA R.C.P. SJ920.4Ial(J)(li)
COMMONWEALTII OF PENNSYLVANIA
COUNTY OF DAVPIIIN
ss
I, Richard C. Ruben, Esquire, being duly sworn according to 'aw, depose and say that a true and correct copy of
the Notice of Sheriff's Sale of Real Property was served on:
HAND DELIVERED 9 1/~199
Harris Savings Bank
P.O. Box 17/1
Harrisburg, PA 17105
Sara E. Vanasdlen
11 Hill Road
Carlisle, PA 17013
Mr. & Mrs. Raymond E. Diehl
'I. Michael J. Hanft, Esq.
10 East High SI.
Carlisle, PA 17013
Lee E, Vanasdlen
II Hill Road
Carlisle, PA 17013
Domestic Relations Section
13 North Hanover Street
Carlisle, PA 17013
Fanners Trust Co,
One West High SI.
Carlisle, P A 17013
First Union Nat'1 Bank
I 100 Corp. Center Dr.
Raleigh, NC 27606-5066
First Union Nat'l Bank
645 Hamilton SI.
Allentown, PA 18101
Elizabeth Baker
'I. William A. Addams, Esq.
28 South Pitt Street
Carlisle, PA 17013
by mailing same to Defendants Lee E, Vanasdlen and Sara E. Vanasdlen pursuant to PA R,C.P. 403 by U.S, First
Class Mail, Certificated, Restricted Delivery, Return Receipt Requested on SeDtember 16. 1999, and upon each other
person named in the Affidavit 3129,1 by U,S. First Class Mail, Certificate of Mailing on SeDtember 16.1999. That both
Defendants' Notices were return "Unclaimed". See Exhibit "A" attached. That on October 4, 1999, the Sheriff of
Cumberland County posted the property at II Hill Road, Carlisle, P A with at Real Estate Writ Notice and on October I,
1999, personally served copies of same Upon Defendant Lee Vanasdlen on behalf of himself and Defendant Sara
Vanasdlen. See Exhibit "B" attached.
Respectfull: SUb~~ /7
By ~~~~
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
1 ) 909-2916
NOlar/al Seal
Sjaron R. Kyle NOlary _. bl' I.D #27767
narr/sbur~' r"U Ie
My CommlSSIOR' EX Ph,n CoulIly
res Jan. 22 2000
Date: /IIY/I?
Sworn and subscribed to before me
this gQ day of flmJ",.,.,,6,p1999.
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Notary Public
Z 11\7 540 155
Receipt for
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1m SAVINGS BANK A
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235 North Second Street O. '..J- --:7'l~/J.=,i
Harrisburg, Pennsylvania 17101 /<'-"4W~, ~(/VI
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DELIVERY
S~E. Vanasdlen
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Harris Savings Bank
-vs-
Lee E. Vanasdlen and Sara E.
Vanasdlen
In the Court of Common Pleas of
Cumberland County, Pennsylvania
No, 99-1922 Civil Term
Richard E, Smith, Deputy Sheriff, who being duly sworn according to law, says on
October 4, 1999 at 1 0:07 o'clock A.M. EDST, he posted a copy of Real Estate Writ
Notice Poster and Description on the property of Lee E. Vanasdlen and Sara E,
Vanasd1en located at 11 Hill Road, Carlisle, Cumberland County, Pennsylvania,
according to law. .
Shawn Harrison Deputy Sheriff, who being duly sworn according to law, says on October
1,1999 at 2:10 o'clock P.M. EDST, he served a true copy of Real Estate Writ Notice
Poster and Description in the above entitled action upon one of the within named
defendants to wit: Lee Vanasdlen by making known unto Lee Vanasdlen at 16 Hill Road,
Carlisle, Cumberland County, Pennsylvania, its contents and at the same time handing to
him personally the said true and attested copies of the same,
Shawn Harrison, Deputy Sheriff who being duly sworn according to law, says on October
I, 1999 at2:10 o'clock P>M. EDST, he served a true copy of Real Estate Writ Notice
Poster and Description in the above entitled action upon one of the within named
defendant to wit: Sara E. Vanasdlen by making known unto Lee Vanasdlen, Husband at
16 Hill Road, Carlisle, Cumberland County, Pennsylvania, its contents and at the same
time handing to him 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 it: Lee E. Vanasdlen by first class mail to his last known address 16 Hill
Road, Carlisle, Pennsylvania. This letter was mailed under the date of October 2, 1999
and never returned to the Sherifr s Office.
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: Sara E. Vanasdlen by first class mail to her last known address 16 Hill
Road, Carlisle, Pennsylvania. This leller was mailed under the date of October 2,1999
and never returned to the Sherifr s office.
PLAlNTlFPS
EXHIBIT
8
So answers: ~
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R. Thomas Kline, Sheriff
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
HARRIS SAVINGS BANK,
Plalntlrr(s)
v.
( ) Confessed Judgment
( ) Other
File No. 99.1922 CIVIL TERM
LEE E. V ANASDLEN and
SARA E. V ANASDLEN,
Defendants
Amount Due
Interest (In12000)
Late eharges (11712000)
Eserow due
Seareh eosts
Appraisal eosts
Atty's fees
Costs
57,606.34
1,388.47
155.22
36,30
100,00
150.00
1,000.00
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retail installment sale, contract,
or account based on a confession of judgment, but if it does, it is based on the appropriate original proceeding
filed pursuant to Act 7 of 1966 as amended; and for real property pursuant to Act 6 or 1974 as amended.
Issue writ of execution in the above matter to the Sheriff of Cumberland County, for debt, interest and
costs upon the following described property of the Defendants R.D,#4, Box 257, Carlisle, West Pennsboro
Township, Cumberland County, Pennsylvania (Legal Description attached hereto and incorporated herein as
Exhibit A.)
PRAECIPE FOR AITACHMENT EXECUTION
Issue writ of attachment to the Sheriff of Cumberland County, for debt, interest and costs, as above,
directing attachment against the above-named gamishee(s) for the follOwing property (if real estate, supply six
copies of the description; supply four copies oflengthy personalty list) and all other property of the Defendant(s)
in the possession, custody or control of the said gamishee(s).
- (Indicate) Index this writ against the gamishee(s) as a lis pendens against real estate of the
Defendant(s) described in the attached exhibit.
Date:
~ 1.25/99
I ,
Respectfully ~ed,
By ~~
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, P A 1710 1
(717) 909-2916
1.0. #27767
Richard C. Ruben, Esq.
No. 99-1922
Harris Savings Bank v.
Lee E. Vanasdlen, et al.
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ALL THAT CERTAIN tract of land situated in Mt. Rock, Township of West Pennsboro,
County of Cumberland, Commonwealth of Pennsylvania, bounded and described as follows, to
wjt:
BEGINNING at a stone; thence by land formerly of Sara Danner, now of Oren
Kitzmiller, South 31 degrees East 7.1 perches to a post; thence by land now or formerly of Floyd
Bitner, South 85 degrees West 7.5 perches to an apple tree (blown down); thence by land
formerly of Levi Failor, now of Leib Myers, South 76 Y. degrees West 20.3 perches to a post;
thence by land formerly of John Seitz, now of Earl Tritt, North 14 degrees West 8,7 perches to
a post; thence by land formerly of Levi Failor, now of Earl Tritt, North 82 0/. degrees East 25.5
perches to the place of BEGINNING.
CONTAINING 1 acre and 70 perches, and having thereon erected a two story brick
house and outbuildings. LESS, HOWEVER, a piece of land 16 feet in width along west side
of the above tract; containing 8.6 perches as the same is fully described in deed from Caroline
McKeehan to Abram Etter, dated June 13, 1916, and recorded in Deed Book L, Volume 8, Page
447.
BEING the same property which Ira E. Mell and Mabel M. Mell, his wife, granted and
conveyed unto Lee E. Vanasdlen and Sara E. Vanasdlen, his wife, by deed dated March 8, 1985,
and recorded in the Cumberland County Recorder of Deeds Office in Deed Book D 31, Page 436.
SEIZED AND SOLD as the property of Lee E. Vanasdlen and Sara E. Vanasd1en
pursuant to Writ No. 99-1992.
TAX PARCEL NO. 46-09-0521-017
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THE LEGAL RIGHTS YOU MA Y HAVE ARE:
1. You may filc a petition with thc Court of Common Pleas of Cumberland County to open
thc judgment if you have a meritorious defensc against thc pcrson or compJJlY that has
cntercd judgmcnt against you. You may also filc a pctition with thc samc Court if you
are aware of a legal defect in the obligation or thc proccdurc used against you.
2. Aftcr the Sheriff's Sale you may file a petition with the Court of Common Pleas of
Cumberland County to set aside the sale for a grossly inadcquate price or for other
propcrty cause. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED
IS DELIVERED.
3. A petition or petitions raising the legal issues or rights mcntioned in the preceding
paragraphs must be presented to the Court of Common Pleas of Cumberland County at
one of the Court's regularly scheduled Business Court scssions. The petition must be
servcd on the attorney for the creditor or on the creditor atlcast two (2) business days
before presentation to the Court and a proposed Ordcr or Rulc must be attached to the
pctition. If a spccific return date is desired, such date must be obtained from the Court
Administrator's Office, Cumberland County Courthouse, One Courthouse Square, Carlisle,
PA 17013, before presentation of the petition to the Court.
A copy of the Writ of Execution is attachcd hcreto.
Shcriff
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Harris Savings Bank
-vs-
Lee E. Vanasdlen and Sara E. Vannsdlcn
In thc Court of Common Pleas of
Cumberland County, Pennsylvania
No, 99-1922 Civil Term
R. Thomas Kline, Sheri IT, who being duly sworn according to law, says this writ is
returned STAYED.
SheriIT's Costs:
Docketing
Poundage
Posting Bills
Advertising
Law Library
County
Mileage
Certified Mail
Levy
Postpone sale
Surcharge
Share of Bills
Law Journal
Patriot News
30.00
152.13
15.00
15.00
.50
1.00
8.68
3.34
15.00
20.00
24.00
23.63
248.75
300.19
$ 857.22 pd by ally
11-23-99
7~~~
Sworn and Subscribed To Before Me R. Thomas Kline, Sheriff
This ~tf-' Day of ~......f-.; By. t/i;:q .Jt~
-fb "- c. - 1f;t Estate Deputy
1999, A.D. _~ c.. I~,~r
Pro 0 otary
I, &'0 Ck. ~(,')/,t
tv.
HARRIS SAVINGS BANK,
Plaintiff
v.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99 - 1922
LEE E. V ANASDLEN and
SARA E. V ANASDLEN,
Defendants
CIVIL ACTION . LAW
IN MORTGAGE FORECLOSURE
NOTICE OF SHERIFF'S SALE OF REAL PROPERTY
PURSUANT TO PA R.C.P. 63129
TAKE NOTICE:
That the Sheriffs Sale of Real Property (Real Estate) will be held:
DATE:
December 8, 1999, Wednesday
TIME:
LOCATION:
10:00 a.m.
Commissioner's Hearing Room, 2nd Floor,
Cumberland County Courthouse, One
Courthouse Square, Carlisle, P A 17013
The property to be sold is delineated in detail in a legal description mainly consisting of
a statement of the measured boundaries of the property, together with a brief mention of the
buildings and any other major improvements erected on the land.
(SEE DESCRIPTION A IT ACHED)
THE LOCATION of your property to be sold is:
11 Hill Road, West Pennsboro Township, Carlisle, Cumberland County, Pennsylvania
17013.
THE JUDGMENT under or pursuant to which your property is being sold is docked to:
No. 99-1922, in Cumberland County, Pennsylvania
THE LEGAL RIGHTS YOU MAY HAVE ARE:
1. You may file a petition with the Court of Common Pleas of Cumberland County to open
the judgment if you have a mcritorious dcfcnsc against the person or company that has
entered judgment against you. You may also file a petition with the same Court if you
are awarc of a legal dcfcct in the obligation or thc procedure uscd against you.
2. After thc Sheriffs Sale you may filc a petition with the Court of Common Pleas of
Cumberland County to set aside the sale for a grossly inadequate pricc or for othcr
property causc. This petition MUST BE FILED BEFORE THE SHERIFF'S DEED
IS DELIVERED.
3. A petition or petitions raising the legal issues or rights mentioned in the preceding
paragraphs must bc prescntcd to thc Court of Common Pleas of Cumberland County at
one of the Court's regularly schedulcd Busincss Court sessions. The pctition must be
scrved on the attomcy for the creditor or on the creditor at least two (2) business days
before presentation to the Court and a proposed Order or Rule must be attached to the
petition. If a specific return date is desired, such date must be obtained from the Court
Administrator's Office, Cumberland County Courthouse, One Courthouse Square, Carlisle,
PA 17013, before presentation of the petition to the Court.
A copy of the Writ of Execution is attached hereto.
Sheriff
Richard C. Ruben, Esq.
No. 99-1922
Harris Savings Bank v.
Lee E. VlII1lISdlen, et at.
ALL THAT CERTAIN tract ofland situated in Ml. Rock, Township of West Pennsboro,
County of Cumberland, Commonwealth of Pennsylvania, bounded and described as follows, to
wit:
BEGINNING at a stone; thence by land formerly of Sara Danncr, now of Oren
Kitzmiller, South 31 degrees East 7.1 pcrches to a post; thence by land now or formerly of Floyd
Bitner, South 85 degrees West 7.5 perchcs to an apple tree (blown down); thcnce by land
formerly of Levi Failor, now of Leib Mycrs, South 76 V. degrees West 20.3 pcrches to a post;
thence by land formerly of John Seitz, now of Earl Tritt, North 14 degrees West 8.7 perches to
a post; thence by land formerly of Levi Failor, now of Earl Tritt, North 82 Y. degrees East 25.5
perches to the place of BEGINNING.
CONTAINING 1 acre and 70 perches, and having thereon erected a two story brick
house and outbuildings. LESS, HOWEVER, a piece of land 16 feet in width along west side
of the above tract; containing 8.6 perches as the same is fully described in deed from Caroline
McKeehan to Abram Etter, dated June 13, 1916, and recorded in Deed Book L, Volume 8, Page
447.
BEING the same property which Ira E. Mell and Mabel M. Mell, his wife, granted and
conveyed unto Lee E. Vanasdlen and Sara E. Vanasdlen, his wife, by deed dated March 8, 1985,
and recorded in the Cumberland County Recorder of Deeds Office in Deed Book D 3 I, Page 436.
SEIZED AND SOLD as the propcrty of Lee E. Vanasdlcn and Sara E. Vanasdlen
pursuant to Writ No. 99-1992.
TAX PARCEL NO. 46-09-0521-017
.
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEAlTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF __CUrberland COUNTY
To satisfy the debt, .nterest and costs due Harris Savinqs Bank
NO. 99-1922 CIVIU~Ter:m
CIVIL ACTION. LAW
PLAINTIFF(S)
from Lee E. Vanasdlen and Sara E. Vllnasdlen
DEFENDANT(S)
(1) You are directed to levy upon the prope~y 01 the delendant(s) and to sell see legal description
(2) You are also direcled to anach the property ollhe detendanl(s) not levied upon In the possession 01 _
GARNISHEE(S) as follows:
and to not~y the garnishee(s) thaI: (a) an allachment has been issued; (b) the garnishee(s) is/are enjoined from paying any
debt to or for the account 01 the defendanl(s) and from delivering any property 01 the delendant(s) or otherwise disposing
thereof;
(3) II propertyolthe delendanl(s) not levied upon an subject to attachment is found in the possession of anyone other
Ihana named garnishee, you are directed to notify him/herthal he/she has been added as agarnishee and Is enjoined as above
stated.
Amount Due $7 , 606.34
Inlerest 1/712000 51.388.47
Ally'sComm % $1.000.00
Ally Paid $131. 30
Plaint~1 Paid
L.L. $.50
Due Prothy $1. 00
OlherCosls Late charqes (1/712000) $155.22,
Escrow Due $36.30, Search costs $100.00,
Appraisal costs $150.00
Date:
August 27th, 1999
curtis R. Long
Prothonotary, Civil Division
by: \, ; l> D- \\J\QM.(\J\OJV\,..D4
Deputy
REQUESTING PARTY:
Name Richard C. Ruben, Esq.
Address: Han:is Savinqs Bank, Second & pine St.,
Han:isburg, PA 17101
AIlorney for: Plaintiff
Telephone: 717-909-2916
Supreme Court ID No. 27767
PROO'" OF PUBLICATION OF NOTICE
IN CUMB.:RLAND LAW JOURNAL
(Under Act No. 587, approved May 16,1929), P. L.1784
STATE OF PENNSYLVANIA:
55.
COUNTY OF CUMBERLAND :
Roger M. Morgenthal, Esquire, Editor of the Cumberland Law Journal, of the County
and Slale aforesaid, being duly SIVorn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Carlisle in the County and State
aforesaid, was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication allached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
vil:
OCTOBER 22, 29, NOVEMBER 5. 1999
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested ill the subject
maUer of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
REIIL ESTATE SALE NO. 37
Wrlt No. 99-1922 Clvll
Harrts Savtngs Bank
vs.
Lee E. VanasdJen and
Sara E. Vanasdlen
I Atty.: R1chard C. Ruben
i ALL THAT CERTAIN truct of land
i situated In Mt. Rock, Townsh,p of
J West Pennsboro. County of Cumber-
jland. Conunonwealth of Pennsylva-
I rua, bounded and descnbed as fol-
lows. to wit:
I BEGINNING at a slone: thence by
land formerly of Sara Danner. now of
i Orr.n Kitzmiller. South 31 degrees
; East 7.1 perches to a post: thence by
I lanel now or formerly of Floyd BHner.
I South 85 degrees West 7.5 perches
to an apple tree (blown down); thence
I by land formerly of levI Failor. now
of l.elb Myers, South 76 1/4 degrees
West 20.3 perches to a post: lhence
by land formerly of John Seltz. now
of Earl1i1u, North 14 degrees West
8.7 perches to a post: thence by land
.:~.::: I.cvt Fallor. now of Earl
, ~"t4~F",,;t25,5
perches to the place of BEGINNING.
CONTAINING
perches an I acre and 70
a two st~ bd havtng tl1ereon ereclcd
Jngs. LE~S rick house and olllbulld-
land J 6 Ii ,HOWEvER a pIece of
of the a~et In W/dth along wesl slrle
perches aove tract: contaJnlng 8.6
SCl1bed J 5 the S;:IIJ1e Is fully c1e-
hnn to A~ deed from Carolllle Mc1(cc.
J9J6, a razn Ettt'r. dated June /3.
VOlume ~d recorded In DeccllJook L,
,Page 447.
BEING lh
Ira E M e same properly whIch
WIfe ~ ell and M.11JcJ M. Mel/. Ills
E, \1;' granted and conveycclllllto l,('c
his ~~~dJenand 5ilr;J E. ViI/laSt/kll.
l08') . ' hy dCI'd cl;lll~r/ MardI H.
, ',.I/lc/ J',,~_. . .., II". ('"",I""
SWORN TO AND SUBSCRIBED before me this
-Ldayof NOVEMBER. 1999
HotlEY..L S~Al
L0I5 f. SNYDER, ""torr Pubhc
Cartide Bora, Cumb.,icmd County, PA
My Commiuioo hpir.t March 5. 2001
W"l No. !l9.1D22 C'V11
BalTls Savings flank
vs.
Ltc: E. Van.1.sdJen nile!
S.1rn E. Vanasdlen
Ally,: RIchard C. Ruben
ALL TIIAT CERTAIN tract of land
situated In Mt. Rock. TownshJI) of
West Pennsboro. County of Cumber-
land, ConmlonweaJth of Pennsylva.
nJa. bounded and descnl>ed as (oJ-
:' Jows, to Wit:
; BEGINNING at a stone: Ulence by
; land formerly of Sara Danner. now of
~. Ort!n KJlzmJller. South 31 de~rees
; East 7. I perches to a post: thence by
! land now or formerly of Floyd Dltner.
Soulh 85 degrees West 7.5 perches
to an apple tree (blown down); thence
by land formerly of Levi FaJlor. now
of LclbMyers, South 76 1/4 degrees
West 20.3 perches to a post: thence
by land [onnerly of John Sellz. now
of Earl Tritt. North 14 degrees West
B.7 perches to a post: thence by land
formerly of LeVi FaJJor. now of Earl
Trm. NuruI 82 :1/4 degn-l'"1't F:ORt 25.5
perches to lhe place of BEGINNING.
pe~b~~~INING J acre and 70
a two Sl~ d havtng thereon erected
Jngs LE~ brick house and outbulld.
land' 16! ,HOIVEVER, a piece of
of th eet In WIdth along west side
perCh~sa~~ve tract: contaIning 8.6
SCl1bed In d the same Is fully de-
han to Ab eed from CarolJne McKee.
1916 andl"aIn Etter. dated June 13.
VoJu~ . 8 preeorded In Deed BOOk L.
e . age 447.
BEING Ih
rra E M 1/ e same property Which
Wife ~.....: and Mabel M. MelJ. hIs
E ~. b"<Ud1ted and conveyed Unto Lee
. anas len" dS E"
his Wife ..n am . vanasdlen.
1985 . by deed elated March 8.
Jand C and reCOrded In the Cumber.
In D dOUnty Recorder of Deeds oroce
ee BOOk D 31. Page 436.
SEIZED AND SOL
erty of Lc 0 as the prop.
VanasdJ e E. VanasdJeJl and Sara E.
I J 992. en pursuant to Wl1l No. 99.
: OIJAX. PARCEL NO. 46.09'0521_
STATE OF PENNSYI.vANIA
55.
COUNTY OF CUMBERLAND :
Roger M. Morgenlha1, Esquire, Editor of the Cumberland Law Journal. of the County
and Statc aforesaid, being duly sworn, according to law, deposes and says that the Cumberland
Law Journal, a legal periodical published in the Borough of Cllrlisle in thc County and State
aforcsaid, was cstablished January 2, 1952, and dcsignated by the local courts as thc official legal
periodicRI for thc publication of alllcgal notices, and has, sincc January 2, 1952, been regularly
issucd wcekly in thc said County, and thatlhc printcd noticc or publication allached hercto is
exactly the samc as was printed in thc regular cditions and issues of the said Cumberland Luw
Journal onlhe following dalcs,
viz:
OCTOBER 22. 29, NOVEMBER 5,1999
Affianl furthcr deposes that hc is authorizcd to vcrify this statcmcnt by thc Cumbcrland
Law Journal, a Icgal pcriodical of gcncral circulation, and that hc is not intcrcstcd in thc subjcct
matter ofthc aforcsaid noticc or advcrtiscmcnt, and that all allegations in thc foregoing
statcments as to timc, plncc nnd chnractcr of publication urc truc,
IIL\L !STAn: MLE NO. 37
Rogcr
SWORN TO AND SUBSCRIBED bcforc me this
~day of NOVEMBER. 1999
)Iotuy., SE^'
LOts E. SNYDER, Notary Publ><
CoMle ...., CumborlonoJ County, PA
My Commiuion EJlpir.. Mot1:h 5. 2001
\
!
'~
,
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
UndorRct N.,587. AD.muod M.y 16.1919
Commonw..Uh 01 Penn.ylvlnll, County 01 Oluphlnl II
Michael Morrow being duly sworn occording to low, deposes and says:
That ha Is the Assistant Controller of THE PATRIOT.NEWS CO.. a corporation orgsnlzed and existing under the laws
ollha Commonweallh of Pennsylvania, with its principal ollice and place of business al 812 10 818 Market Street, In
the City 01 Harrisburg, County 01 Dauphin. State 01 Pennsylvania. owner and publisher of THE PATRIOT.NEWS and
THE SUNDAY PATRIOT.NEWS newspapers 01 general circulation. printed and published al 812 to 818 Market Street,
In the City, County and Slate aforesaid: that THE PATRIOT.NEWS and THE SUNDAY PATRIOT-NEWS Were established
March 4th, 1854, and September 181h. 1949. respeclively, and all have bean continuously published ever since;
ThaI the printed notice or publication which Is securely attached hereto is exactty as printed and published In
their regular dally and/or Sunday and Melro editions/issues which appeared on Ihe 261h day 01 October and the 2nd
and 91h day(s) of November 1999, That neither he nor said Company Is Inleresled In the subject matter of said
printed notice or advertisln9. and thai all of the allegations of Ihis Slalemenl as to Ihe time. place and characler of
publication are true: and
ThaI he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verify this
stalemenl on behalf of The Patriol.News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and
adopted severally by the stockholders and board of directors 01 the said Company and subsequently duly recorded In
the office for the Recording 01 Deeds In and for said Cou ty 01 Daup~in In Miscellaneous Book "M".
I
Volume 14. Page 317,
PUBLICATION
COPY
S ALE 1137
S
his18mj~~ftb
NOTA PUBLIC
Nol3(i]lSe..1
TcrryL. flusscil, NO,IJ
HJrri5burg, DauphIn C . 1'1
My Comrr.,s"iol\ Et(lims June G. 2002
:;i1WilrAtE SALE No. 37
",W~No,'''1822
I :./.,Clvlltwm k
I . l!"I~}I,':!,!-lIlIn.
I ".IM,!;~I.ftlncI
. SarlI Eo Ylnucllen" .
...'.... ..~:C=~~O~uben..
, 'AU),THATCERTAIN tracl 01 land Statement of Advertisina Costs
1illI818d.lnMl.Rock;',Townshlp 01. Weal To THE PATRIOT-NEWS CO., Dr.
1'ennIllcHa,;.. County /tol... CUmberland,
Comtnoll\viallh.. or:. Pannaylvlinla. For publishin9 the notice or publication aUached
bounded Ind cleacrtIlia. lllo1loW8 to wit: . h t h b t d d I
"BEGINNINGal a stone; _ by land ere 0 on I e a ove sta e a as
Iorm.rtvol.SIra,'IlBlI1er,.now oIOran Probating same Nolary Fee(s)
K/lzmlllilr, South .31'7,dog..... East,7.1 Total
perch.. to a pelOt; 1II.nce by land now or
rormo!lY> 01 F~' 8I1nor. ScliJ!h 85
~~"!Jiw"t''1I:::; = sher' s Receipt for Advertising Cost
t~.1e~Ifi~tll:to~~IbJll!~~'; Ie, of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS, newspapers of general
~~%\W,t~:;::"l'lYd~~~~ ~ceipt of the aforesaid nollce and publication costs and certifies thai the same have
W..t'8.7 porcttoato'a post; thence by THE PATRIOT-NEWS CO.
land fonnorly 01 LavI Failor. now of EM
~ro~~~~~~~~~7~~~:: By.............................................,......................
and havlno thereon .rocted a two-slory
brick house and 'oU1bulldlngs. LESS,
HOWEVEA .. piece of land 18 t.el In
width along' wo.l elde. of tho ebove Imel;
OOlllalnlng 8.8 POrc!1Os as th.. same Is
lullv doacrtbod In iIlod from Caroline
McKoohan to Abram Etter, daled June 13,
I 1918, and recorded \ In Dead Book L,
I Volume 8. Peg. 447. ol.__ E
I . BEING the sam. p""",rty whlcl1lm .
. M.II and Mebol M. Moll, his wile, r.'anled
I and conveyed unto Lee. E. Vanasd en and
Sam E. Vsnesdlan. his wtte. by dead
dated March 8.1985. end rocordoa In tho .
Cumberland County Aecorde~ 01 Deada
0fflc0 In oBOd Book D31,Peg. 438,
.:oaEIZEo AND SOLD a. th. p,oportvleOI
.LIe E. Vanosdlen and Sara E, Vailasdl n
PUojuonllo Wrll No, 99.1992.
'. :.TAX PARCEL NO. 48-09-0521-017..
Memoer fJe"r'.'; ....1';1' ~".~rI.~Mn 01 ~1rlcbmmission expires June 6, 2002
CUMBERLAND COUNTY SHERIFFS OFFICE
COlJfffiOJSE
CARLISLE, PA. 17013
$
$
$
298.69
1.50
300.19
NEWS
PATRIOT NEWS
Publication
Und!r Arl NO, 581. Aoorou!d MaV 16. 1919
eellh 01 Pennlylvanla, Counly 01 Dluphln) II
worn according to law, deposes and says:
-iE PATRIOT-NEWS CO,. a eorporallon organlzld and existing undar Iha lawI
with Its principal olllee and place 01 business 01 812 10 818 Markel Slreel, In
hln. Slale 01 Pennsylvania, owner and publisher 01 THE PATRIOT-NEWS and
!pers of general clrculallon. printed and published at 812 10 818 Market Slreet,
thaI THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established
, 1949, respeclively, and all have been continuously publiShed ever since;
'ON ~ llI!L IIcallon which Is securely altached herelo Is exsclly as prlnled and published In
'IMlOO Melro edilionslissues which app.ar.d on Ihe 261h day of Oclober and Ihe 2nd
..."", ~ hat neith.r he nor sold Company Is Inl.resl.d In Ih. subJ.cl molter ot sold
DH~~ I all of Ihe all.gations of this stal.m.nl as to Ihe lime, place and eharacl.r of
DNIN~PlI8r
'., lfOO& llIfd edge of the facls afor.said and Is duly authorlz.d and .mpowered 10 v.rify this
~ .ews Co. aforesaid by virtu. and pursuanl 10 a resolulion unanimously pass.d and
I4Id It4lIOIIOfIIo IS and board of direclors 01 the sold Company and subsequ.nlly duly recorded In
. p,.,~';: s In and lor said Cou Iy of Daup~in In Misc.llan.ous Book 'M",
.llIrd ~S
JO'J ONI38 f'
f)3S 10 808Jd.."
JO AIOu IlU8J Ul/Or 10 ~
Z 01 ,.., (1:8~ UO IUlumUOW
, "~~:::: """ IlUtl<j ""'1/1
'"1n... '(:.. 0a"8 lU 6:' erouv..,p 8
I):'.' . ''';c:~':':~!'' "UIDt~':
Thai
ollh
the I
THE
In t~
M
NoI3tl:!tSeill
Terry L. flussc:l, Not)"
Harrisburg, Dauphm C Iy
My (:omrr,'s~ O~ E ':Jims Jl:nC 6. 2')02
his 18m~~D.
;- Y?.#/~
NOTA PUBLIC
S
Memt'EI Pe"~<'; ..1' ,I f ~',r,(T,"'llon 01 'AAyl'8ommission expires June 6, 2002
CUMBERlAND COUNTY SHERIFFS OFRCE
OOUATKlUSE
CARLISLE. PA. 17013
,
Statement of Adverlisina Costs
To THE PATRIOT-NEWS CO., Dr,
For publishing the notice or publication altach.d
h.r.lo on the above stat.d dates $
Probating sam. NOlary Fe.(s) $
Total $
298,69
1.50
300.19
.
Publisher's Receipt for Advertising Cost
THE PATRIOT-NEWS CO.. publish.r of THE PATRIOT-NEWS and THE SUNDAY PATRIOT-NEWS. n.wspapers of general
circulation, hereby acknowledge receipt of the aforesaid notice and publication cosls and cerlifies thai the same have
been duly paid. THE PATRIOT-NEWS co.
By....................................................................
"
HARRIS SAVINGS BANK,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 99. 1922
LEE E. V ANASDLEN and
SARA E. V ANASDLEN,
Defendants
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
PRAECIPE TO SATISFY THE ,JUDGMENT AND CANCEL SHERIFF'S SALE
TO: PROTHONOTARY and SHERIFF
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
SIR:
Please satisfy the Judgment docketed to the above term and number and cancel the
Sheriffs Sale scheduled for December 8, 1999. Defendants have paid their mortgage in full.
Date:
/ :J/' /99
, ,
:p~
Richard C. Ruben, General Counsel
Harris Savings Bank
Second and Pine Streets
Harrisburg, PA 17101
(717) 236-4041
!.D. #27767
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