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Home My WebLink About99-02678 . . . Harris Savings Bank -vs- Leroy H. Ruff and Paulette M. Ruff In the Court of Common Pleas of Cumberland County, Pennsylvania No.99-2678 Civil R. Thomas Kline, Sheriff, who being duly sworn according to law, says this writ is returned STAYED, Sheriff's Cosls: Docketing Poundage Posting Bills Advertising Law Library County Mileage Certified Mail Levy Postpone Sale Surcharge Share of Bills Law Journal Patriot News Sworn and subscribed to before me This (".~ day of '11\,,...<<,0 30.00 J2.39 15.00 15.00 .50 1.00 6.20 1.50 15.00 40.00 24.00 23.63 203.75 244.88 $ 632.85 Pd By Ally 02-07-00 So answ;;;;./ ~. r~--~-r-=-,J R. Thomas Kline. Sheriff 1999, A.D... j, 1/' (: ))ldi,... ..J}aq I J'J'r thonotary BY~~_, .J/d.-n:- Real Estate Deputy ., \ '"J'~ . , ,-/-1' lh... ..' f"I . 'J'").I:; .J., ~...{." . THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Ret No.587. RDDroued Mau 16. 1929 Comrnonwealth of Pennaylvanla, County of Dauphin} aa Michael Morrow being duly sworn according to law, deposes and says: That he is the Assistant Conlroller of THE PATRIOT.NEWS CO., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS newspapers of general circulation, printed and published at 812 to 818 Market Street, In the City, County and State aforesaid; that THE PATRIOT.NEWS and THE SUNDAY PATRIOT.NEWS were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed nollce or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday and Metro editions/issues which appeared on the 26th day of October and the 2nd and 9th day(s) of November 1999. That neither he nor said Company is interested In the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and Is duly authorized and empowered to verily this statement on behall of The Patriot.News Co. aforesaid by virtue BQd pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said C nty Dau hin in Miscellaneous Book "M", , Volums 14, Page 317. PUBLICATION COpy SALE #28 S om 0 an ,~11,~(., before me this 18~th;l~Nove TcrryL nll~>SO ,N( al"iPublrC ~~ j:L Haltl'tllJtg Dr) In County ./ .~ MYC'Jlml;~:>SiO~ ExiJircS .Iune 6. 2002 OTA Y PUBLIC b '[ IJpnnsylv.1nia A~sori.:l!lOn 01 Nolanes Mem c, ' ' My commission expires June 6, 2002 CUMBERLAND COUN1Y SHERIFFS OFRCE COURTHJUSE CARLISLE, PA. 17013 Statement of Advertislno Costs To THE PATRIOT.NEWS CO., Dr. For publishing the notice or publication attached hereto on the above stated dates $ Probating same Notary Fee(s) $ Total $ 243.38 1.50 244.88 Publisher's Receipt for Advertising Cost THE PATRIOT.NEWS CO., publisher of THE PATRIOT-NEWS and THE SUNDAY PATRIOT.NEWS, newsp:lpors of general circuiation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have been duly paid. THE PATRIOT..Ni:WS CO, By..".......,........,....",.. ',..."......"....................., :;,:':-,;;,:7: ,;':,'::, i;.' ':><:h.;::;~l;-,~i~~~ ','" ': -:.,." . ,','::":' ",:~ ':"~"'" :"; .,'..' '. ',::,,-' ,.:~~~r;:~.>;\::>;:",:,:,~,:;':".'::'- :,,,',::'\ \,,~, ~::,:,::::.: :.',,: ,:',::'. : CORRECTION j , , .;.... .,/"'-.,-.11........' II ....-- .. ...'. --_. - -..... - . ..,--... III,. IIrIlWIJI-. I. ...',., -. p- .. ... - ..' '... .. .. . , .....- III .'. ...... ,1IIlIIII __ ..' .II. ,.r"., -.... .' 11III .... ."'11. 11".,...11: III ... .' -.'. - I! ---.. I. _ II' II! III". III ...' ... ";.', ..' ... 1IIlII.". ...- ..' .... .'11,.' II .. - -'I .. II _I. III'.' -II ,- , , .. -.' II . .. 11IIII-.. ...'.' ... . .. I II.. I ....... ... 11II -, .... II'''' . ..--- ..... . --.. ....... I .. --' .. - .. .' riJIj. ...,.,.,,'nll. ... .- ......- ... "'11I1, I I . .. .,1. .,11,.,,;,.- :-,:,.g .. -...- . .... ',< . , ,." " Previous Image Refilmed to Correct Possible Error , '>- (1: c: !:.-. ; " , (': , ,- I , I " , ; , , , " i Cl ! : ~ I , .., lj ( " '. , , .._- j'" " . j '.. I j c: ) ( . ,',; ,'" ' , .,: :-." '''<:, :1: "C.... ":: , ('~.;,..:"~,:.,:",:. ~':.;,~2:,';',;.i';:'.~~=L";-:.;,:":,:;' ';':",", ',': .'..... ,:,', ". '. ,.":. , ' .. '.1 ' 'I.' ._(.,,,,'. '. ,'"~, 'I" ,', ~, '. .. . '. . .. '" J ". ,. .., '" ,,' ,,11/. " "', " ',) ''''", '. ~-.. ~ ~::':=; Z 193 721 lit], Receipt for Certified Mail No Insurance Coverage Providod 00 not usa for Intornotional Moil (See Revorsal '" '" '" - ,/ .c !! f] o C> co ... ~ & CJ) c. Cltrlr"ed fcc "I" " ..... Special O(>h~~'V, r '~' IrL. Re~I"':tlfd Duh"'tl'i-~. ".' AfI'UmRtll:c,plSho~g .,. '0 Whom & Dale Doliyor'elf _ A'lum Receipt SI"lO~wlg '0 WhOm, n..,,,. Illld AdaJltS!;lIC', Addres$ TOT,4.ll'osllIge & FM'5 PoS!mar, or D;;ltl ...... $--5: ..... --"-~'-----. '" SENDER: ~ . Cornp~Ple IlolllS l/lrl{j/or 210r ;lodit/O'l<t! t;{~I\iICI'~ " .C('''';pll'll'jlfll!)S3. 4<l,W1C'4t, G.l . Prul1 vout narr\t' and U(jCII(>SS c'11111(lIt~Vf'I,,1' 01 tillS fwm ~o III.:!l W(! 1:,,;'1 rd,J/n Ihrs f! CiHl.iIO}'Ou : . Allar;h Ihos lorm 10 "11:1 Iron! 1,)' 1111' '"il11r>'11CO, 01 on lhu back If ::'par~l' lk>t.!, n,,1 l>> /1{'IfllIl ... . Wnll,\> "Hlltum Roc/llpr fi"'Jow:;r,M"lllll'H) milili",'r" hr'lrJw 1/'0 ;1'11("),: rhlllll'.'r 1!. ... Thfo HHhlm lineurpr will slw..... 10 wtlorn [rll' II'IH::.~ W(,; d(fhv('rl'r; itrlJ ~IIO} ,h!l~ - r1("I!I'I'r('(] '70/3 [);::)I"(~~~i M;111 fif'IW'1Rc'(:PliJI!(,1 1Jj('tGha'I':.i'\f' I <1150 wish 10 receive the tOtlCWing servIces (for an exlra lee): 1. fDoo'(ddrcs5ce'S Addrl'ss 2 ,GtJ'AeSlticted Delivery Consult postmaster lor fe-r AMleln Number - b ~ a: c :; a; a: '" c COO og -~ S '7.2/ /7/ C Q " ~ a; Q. E o u 3 Alllcle Addre5sed to' J.eRCy N ~ // .,g 6- o/d ,Ok1)le/'ou.5 e. 0e;;;Ie:, 7-d 4i~ d( z ---LY..1J.. 4b, S("Nlce T:t'P(~ o R(lQJ$lered o o ;, D(}Ol De"vc'h-l _. -~ 6, Addm~I;f'SAddress (Only sf rr'CJI.H~:;~(la i.1!1('if{~(; ISP/i!O') t!h::enilied o 1'15W('(j o 5 H8(:et'Vuu' fjy; (PI,(Jf ii:;;;;:t-_. , " ... '" c ~ .c. ... :; o ... ~ ll);"<,,,o.;j"/l Domcst,c Return Receipt > (U n~ -. (.-.. , I.".. Il , <: h: , (J . , i --. L_: L" - " .. ~ i~ 0 \.:.. L, (..".: tL C!" .\ Cl (; .~ ,.) ;~ ,,.~s '>- (/) ~ 2 .tJj a.. ~'T) ',' ~ c" '."" '\:;:':', : " "\~'~'~~~lt:~"~:~~-~:'-"~'~":':'l::_'~;.2~',~~:'~;,,:.~~ ..,,:'}, ~'. ~ :~.'.> ; ,,' ,,:,\~:. ;" .':. .,':~, "I " /', ,,: ;,,' ~,:" ',' , '..; . ..~- -' - HARRIS SAVINGS BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYJ"VANIA v. NO. 99 - 2678 CIVIL TERM LEROY H. RUFF and PAULETTE M. RUFF, Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE NOTICE OF SHERIFF'S SALE OF REAL PROPERTY PURSUANT TO PA R.C.P. 53129 TAKE NOTICE: That the Sheriff s Sale of Real Property (Real Estate) will be held: DATE: December 8, 1999, Wednesday TIME: 10:00 a.m. LOCATION: Commissioner's Hearing Room, 2nd Floor, Cumberland County Courthouse, One Courthouse Square, Carlisle, PA 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 ATTACHED) THE LOCA nON of your property to be sold is: 35 Old Stonehouse Road, Silver Spring Tovmship, Carlisle, Cumberland County, Pennsylvania. THE JUDGMENT under or pursuant to which your property is being sold is docketed to: No. 99-2678. in Cumberland County. Pennsylvania ,. ", ,'., , ,'" \ ":,' \: ~",' ":;~,\",,':.:.:i,:;~":, :,.,f:,:~,~~~~\~,~~::',,\_\::,'.:,:~.,'~~;~I,\.'.,+.:,\J.~",:>>,:~,,';-"~>,~:,,:' :"I'_""'~),o', ,,::":, .'" . .:" :','l ,,~ """ , . "', '! - IS: THE NAME(S) OF THE OWNER(S) OR REPUTED OWNER(S) OF THIS PROPERTY LEROY H. RUFF and PAULETTE M. RUFF A SCHEDULE OF DISTRIBUTION, being a list of the persons, and or governmental or corporate entities or agencies being entitled to receive part of the proceeds of the sale received and to be disbursed by the Sheriff (for example to the bank(s) that hold mortgages and municipalities that are owed taxes) will be filed by the Sheriff within thirty (30) days after the sale and distribution of the proceeds of sale in accordance with this schedule will, in fact, be made unless someone objects by filing exceptions to it within ten (J 0) days of the date it is filed. Information about the Schedule of Distribution may be obtained from the Sheriff of the Court of Common Pleas of Cumberland County, Cumberland County Courthouse, Carlisle, Pennsylvania 17013. THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF YOUR PROPERTY. [T HAS BEEN ISSUED BECAUSE THERE IS A JUDGMENT TAKEN AGAINST YOU. .IT MAY CAUSE YOUR PROPERTY TO BE HELD TO BE SOLD OR TAKEN TO PAY THE JUDGMENT. You may have legal rights to prevent your property from being taken. A lawyer can advise you more specifically of these rights. If you wish to exercise your rights, YOU MUST ACT PROMPTLY. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET FREE LEGAL ADVICE: COURT ADMINISTRATOR COURT ADMINISTRATOR'S OFFICE CUMBERLAND COUNTY COURTHOUSE ONE COURTHOUSE SQUARE CARLISLE, PENNSYLVANIA [70[3 (717) 249-1133 ..... ~. ~- ....., -. ... THE LEGAL RIGHTS YOU MA Y 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 meritorious defense against the person or eompany that has entered judgment against you. You may also file a petition wilh the same Court if you are aware of a legal de feet in the obligation or the procedure used against you. 2, After the Sheriffs Sale you may file a petition with the Court of Common Pleas of Cumberland County to set aside the sale for a grossly inadequate price or for other property cause. 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 be presented to the Court of Common Pleas of Cumberland County at one of the Court's regularly scheduled Business Court sessions, The petition must be served on the attorney 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 Administralor'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 " : '.~~ .' :, ,,'~d~ ,'.: '" -<',', ',';: ':', : " "".: '_';: "''':'~1r :~~"\:;>~~':.,,;~,;.:\,,b',~~.' :. 'I,~/'I ..~::;~..>t '~>~,,~': ~: ><',' ~~ .~: -: .'-:, ~: '" '::<':::i '.~,:I"::~ : :.~ ", ~ "" ';~~i:~" ~, / > ',:, ..,_..;_.~' ~ HARRIS SAVINGS BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 99. 2678 CIVIL TERM LEROY H. RUFF and PAULETTE M. RUFF, Defendants CIVIL ACTION . LAW IN MORTGAGE FORECLOSURE AFFIDAVIT PURSUANT TO PA RCP RULE 3129 HARRIS SAVINGS BANK, formerly Harris Savings Association, Plaintiff in the above action, set forth as of the date of the Praecipe for the Writ of Execution has filed the following information concerning the real property located at 35 Old Stonehouse Road, Carlisle, Cumberland County, ShiremanstoWll, Pennsylvania: I. Name and address of OWller(s) or Reputed OWller(s): Name: Address: Leroy H. Ruff 35 Old Stonehouse Road Carlisle, PA 17013 Paulette M. Ruff 35 Old Stonehouse Road Carlisle, P A 17013, 2. Name and address of Defendants in the Judgment: Name: Address: Leroy H. Ruff 35 Old Stonehouse Road Carlisle, PA 17013 Paulette M. Ruff 35 Old Stonehouse Road Carlisle, PA 17013 3. Name and last knoWll address of additional judgment creditors whose judgments are a record lien on the real property to be sold: Name: Address: Harris Savings Bank 1',0. Box 1711 Harrisburg, I' A 17 I 05 ~\ .... ... .. IN THE COURT OF COMMON PLEAS OF CUMnEI~LAND COUNTY. PENNSYLVANIA CIVI,L DIVISION PRAECIPE FOR WRIT OF EXECUTION ( ) Confessed Judgment (X) Other HARRIS SAVINGS BANK, Plaintiff v. File No, Amount Due Interest 1/7/00 Late Charges 1/7/00 Search Costs Appraisal costs Homeowner's Ins. Escrow Taxes Atty's Comm Costs TO THE PROTHONOTARY OF THE SAID COURT: LEROY H. and PAULE'ITE M. RUFF, Defendants 99 - 2678 civ\i/Ter~ $50,415.84 5,022.45 167,12 100,00 150,00 374,00 281.12 761.34 2,631.00 ~-r. qo'L f7 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 Defendant(s) 3S Old Stonehouse Road, Carlisle, Cwnberland County, Pennsylvania 17013 (See Legal Description attached hereto and incorporated herein as Exhibit A,) PRAECIPE FOR ATTACHMENT 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 of lengthy personalty list) 3S Old Stonehouse Road, Carlisle, Cumberland County, Pennsylvania 17013 and all other properly of the Defendant(s) in the possession, custody or control of the said garnishee(s). - (Indicate) Index this \\Tit against the garnishee(s) as a lis pendens against real estate of the Defendant(s) described in the attached exhibit. RespWfully submittcp, t} _/ By ~~"~ Richard C. Ruben, General Counsel Harris Savings Bank Second and Pine Streets Harrisburg, PA 17101 (717) 909.2916 I.D. #27767 Date: p /0/' '1 I I ::~.< ' . 1 ';- ; ',:~' '-"~'-"'" .:, ','\,;;,,' ,~.. ':;:'--:" : ,',:':., '>~1;('::.i~~~y'":,:~~S;::'D~ ;:('~:~~~~';':1:": ~,::~II~II:'\~~'~'," :.': ;:: "~:\,~ '.~" >::,:~,~: ,'~~' , ".'''',: .\: '. ;" .. : 'i ';' ,.., \ ~~',' ,':1 <' ,.. '" . .. RICHARD C, RUBEN, ESQUIRE WRIT NO. 99-2678 ALL that ccrtain tract of land situate in Silver Spring Township, Cumberland County, Pennsylvania, bounded and described as follows: BEING Lot No.5 on the Plan of Section. "B" of Trindle Acres as recorded in the Office of the Recorder of Deeds for Cumberland County in Plan Book 21, Page 16, containing 120.00 feet along the Old Stone House Road, having a depth along Lot No.6 of 175.00 feet, a width in the rear of 120.00 feet and a depth along Lot No.4 of 175.00 feel. SUBJECT, nevertheless, to the Building and Use Restrictions as recorded In the Cumberland County Recorder of Deeds Office in Miscellaneous Book 184, Page 536. BEING the same premises which Thomas E. Mock and Patricia L. Mock, httsband and wife, by deed dated June 30, 1988, and recorded on August 15, 1988, in the Recorder of Deeds Office in and for the County of Cumberland in Deed Book 33 M, Page 1125, granted and conveyed unto Leroy H. Ruff and Paulette M. Ruff, husband and wife. TAX PARCEL NO, 38-23-0581-005 qq ';)41?~ Seized and Sold as the property of Leroy H. Ruff and Paulette M. Ruff under Writ No. '1'-59:54 ,'-'..l'f\.," 4 " i I I, ; I , i HARRIS SAVINGS BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 99 - 2678 CIVIL TERM v. LEROY H, RUFF and PAULETTE M. RUFF, Defendants CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE PRAECIPE FOR ENTRY OF .Jl.IDGMENT TO THE PROTHONOTARY Cumberland County Courthouse One Courthouse Square Carlisle, PA ]70]3 Please enter judgment in favor of Plaintiff, HARRIS SAVINGS BANK and against Defendants, LEROY H. RUFF and I'AULETTE M. RUFF in the amount of $59,902.87. Defendants were served wilh a ]0 Day Notice dated and served June 18, 1999, as evidenced by the attached copy of said Notice and Certificate of Service attached herelo and incorporated hcrein as Exhibit A. a. b, c. d. e. f. g. h. i. Principal Interest thru Distribution (117100) Late charges (]17I00) Homeowner's Ins. Escrow Taxes Property Search A ppraisal costs Attorney's fecs $50,415.84 .,/ / 5,022.45 ,,/ 167.]2 :/ 374.00 v' 281.12 v 761.34 V ]00.00 \ ] 50.00 :1 _ 2.631.00 .; TOTAL AMOUNT: $ 59.902,87 Plus additional interest at 7,875%. costs and expenses of suit and aclual expenditurcs to preserve security until date of distribulion, Datc: 'l,/"0/'1'l Respectfully submitted, ,~/////.2 -- By /~..,-" - Richard C. Ruben. General Counsel lIarris Savings Bank Second and Pine Streels lIarrisburg. P A 17101 (717) 909.2916 LD. #27767 ". If , (..: iT -" n~ .' " , l'-' C~ e-: ~~~ " , '-' ,~ " .. , :__.J (;~' ;. " C\ , , :'1 , c.... d " - .. '.- :~: I L C,.\ (5 (:J c., - ~ 1<) ........;::. J ,,'- ~ \ - '- ~ J ..:, "-' 1 \" - .. n, ~I@ ~ \~ ~ ~~~@ J;,. c.:-:: ~ ~ '\ ''""1:;;::. RICHARD C. RUBEN GI,~I-_~!\I.C()l''\',lt ~ j \!' If' ,,,- F- -i- '~ 3 j ~ ll) -......-. -:::s Q., ~ M~~~A~~' 234 ~m111 Serond Street. Harrisburg. 1',\ 17101 (717) 231"7~l3S. (");1. ~916. FAX (717) 2:n.6H;;(. .. , ... HARRIS SAVINGS BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 99 - ,;z (, '1/' CIVIL TERM LEROY H. RUFF and PAULETTE M. RUFF, CIVIL ACTION - LAW Defendants IN MORTGAGE FORECLOSURE NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in ,witing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requesled by the Plaintiff. You may losc moncy or propcrty 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 (7 I 7) 240-6200 . I . I " ~ .... , .J - .., TIllS IS AN ADJUSTABLE RATE MORTGAGE ALLOIHNG FOR CHANGES IN TilE INTEREST RATE AND THEREFORE CILlINGES IN THE MONTJUX PAYHENTS (Spice Above This line for Recordin, O.1la) MORTGAGE 9 88 THIS MORTGA~E ('~~~~itYJ~Slki~~lt~~~ ~~:~f~tt'/~~'~~~'f~~"'iiIs"wHe'''''''''''''''''''''''''''''''''''''''''' 1 .,..,...., Tlte mortgagor IS ...",..." ...., ,1."."....""".,.,..",.."",.."....",....".."" ....",.."" ,'..".,..,......,.."..,.."""""'.. ........,...."",......, ....llAitll.'t'S..SAVlN'GS..Ail'l;'oc't'A't'1'oll............, ("Borrower"), This Security Instrument is gi~en to ......'..:..'......'....'..,...:.... ~."..,...""..... ..'...'" 'Coiiitiloi'iiJil '.n tl\" 'Iff' 'Pil'titi ~'Yl',ril'ti l'il'" ...." ....".."",....""""" ,..'", ':'.." '!l1~I&gIM"IiW1l'Jl\~kd ~~Stllil! t B , "/I~rrtPf ~'l,~srol ;...Ili\.......Ul'Ol........""'..'...'...."" ""...,.,......,....., and whose address IS '.."'.."...."""'..""'......';;.." ',..,..'::" ......,..,",...........,"',..,',..,',..,"":.,"',....,....,',..........,.'.."!ifl'i:"'..scv'iiii..''i'IiCiii'iiiiii'il'''s'i:x'..iiiiliCirc'Ci "Ii'iid"litlM8nder ), Borrower owes Lender the principal sum of .""....",.., ,..""r........"..,.....".,.,..,.",..."..""",...."......,......'",...,..........,....,'..".....',. ......,..,..............,..'..............'..........,..'....,.... Dollars (V,S, $,E,,~9,9..',9,9.............), Tltis debl is evidenced hy nnrrOlver's nnte dated the same date as litis Security. Instrul\lettt ('1 'Note"), which provides for montltly payments, with the fnll debt, ifnot 'd I' d d bl 5entember. 2018 Th' 'S ' ' I pal ear ler, ue an paya e on .........f...............................................................................""......... IS cctJnly IIstrunlcnt secures to Lender: (a) the repayment of tlte debt evidenced by tlte Note, with interest, and all renewals, extensions and modifications; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of this Security Instrument; gild (c) (he performance of Borrower's covenants and agreements under this Security Instrument and the Not~, For t'l!~gg'J'~i'ilJld'rrower does Itereby mortgage, grant and convey to Lender the following described proper,ty located In ."'......",....,.."",..,..""",....,....,.."""",....",.."..""..,, ..,..',....,.'""",..'"""",..""""""'.."..,..",, Cou n t y, Pellnsy Ivanm: MORE PARTICULARLY DESCRIBED ON EXHIBIT "/I" ATTACHED HERETO AND MADE PART HEREOF BY REFERENCE. '. "" = :.., 1'1 ,:ry (") ,~1 " ~;, ;;- "'" = L;', <.., :,"-. -" c) ~"'I ...., whiclt has the addrcss of ....},5...9.~~,..g~,':\~!),o,~~,."..,Il,o,"~,............,......,..,..,..,...., "C~,rJ.l.BJ~....,....,................,..,....,..," [Sttl'f'tj [City] Pennsylvania ,.."..,""'"..J!.(n~""..,',..,""""""" ("Property Address"); lllp COOP) TOGETHER WITH all the improvements now or hereafter erecled on the property. and all casements. righl~. appurtenances, rcnls, royalties, mineral, nil and gas rights and profits. water ri~hls and \tock and all fixtures now or hereaft::r a part of the property. All replacements and additions \h311 al~o be covered by lhi~ Securily Instrument. A II of the foregoing is referred to in this Security In\trumcnt as the "PropC'rty." BORROWER CO\TNAN1S that Borrower is lawfully 'Cj'Cd of the e,'ate h<rchy cOIJ\eled alld "" Ihe right 10 mortgage. grant and convey the Property and that the Property is ui1ellcull1h<.'n.'tL except for cncllmhranccl\ of record. Borrower warrants and Will deknd generally Ihe tltk 10 the Properly again't all cbi,,,, and d,'rnalllh, luhjee! tll any enclimbrances of record. TillS SITllRIlY INS1fUIMENl comhine", uniform rmen;l"l.... for ltat.Iollal lP.(' :\llLl tlllfHII1:fot!lJ co\'cn:lnt\ with limiled \'3rialiOll\ hy juri\dit'lillfl to ':of1\lilUle a uniform "("~'lIrity itl\tf'UnlCnt t'n\,('fin~ I ral propel I)". PENNSYlVAtllA-s'n~le ,.,n.I,- rNMAlrHlMC UN"ORM INS1RUM[Nl form 3039 12/83 bQO~ at3 mE f:j6~ PLAINTIFFS EXHIBIT -A UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows: , L Payment, of Principal and Int~rest; Prepayment and Late Charges. Borrower shall promptly pay when due the prine' pal of and nllerest on the deb I eVlllcnced by the Note and any prepayment and late charges due under the NOle, 2. Funds for TllJ(cs and Insumncc. Subject 10 <Ipplicablc law or to a written waiver by Lender, Borrower shall pay to Lender on Ihe day monlhly payments are due under the Note, nntiltlte Note is paid in full, a snm ("Funds") equal to ollc~lwclfth of: (a) yearly taXt.~s and assessments which may attain priority over this Security Inslrumcntj (b) yearly leasehold paynll.~nts or ground rents on the Properly, if any; (c) yearly hazard insurance premiums; and (d) yearly mOrlgagc in~urancc premium!!:. if any. These: items arc called "escrow items'" Lender may estimate the Funds due 011 the basis of current data und rcasOIwblc estimates offuturc CSCf{}W items. The Funds shali be held in all institution the deposits or accounts of which arc insured or guaranteed by a federal or state agency (including Lender if Lender is such an institution), Lender shall apply the Funds to pay the escrow items, Lender may nol charge for holding and applying Ihe Funds, analyzing tlte account or verifying the escrow items, unless Lender pays Borrower interest on the Funds and applicable law permits Lender to lIlake such a charge, Borrower and Lender may agree in writing thai interest shall he paid on the Funds, Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any interest or earnings ontlte Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showing credits and debits to the Funds and the purpose for whkh eaclt dehitto the Funds was made, The Funds arc pledged as additional secnrity for tlte sums secured by this Security Instrumcnt. If tlte amount of tlte Funds held by Lender, together with the future monthly payments of funds payable prior to the due dates urthc escrow items, shall exceed the amount required to pay the escrow items when duc, the excess shall be, at Borrower's option, either promptly repaid to Borrower or credited 10 Bnrrower on montltly payments of Funds, If Ihe amount of the Funds held by Lender is not sufficient to pay tlte escrow items when due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as rcquired by Lender. Upon payment in full of all sums secured by this Security Instrumenl, Lender shall promplly refund to Borrower any Funds held by Lender, If under paragraph 19 the Property is sold or acquired by Lender, Lender sltall apply, no later titan immediately prior to tlte sale of the I'roperty or its acquisition by Lender, any Funds held by Lender at tlte time of application as a credit against the sums secured by this Security Instrument. 3. Application of I'arments. Unless applicable law proY;des othelWise, all payments received by Lender under paragraplts I and 2 shall be applied: first, to laic charges due under the Note; second, to prepayment charges due under the Note; third, to amounts payable under paragraph 2; fourth, to interest due; and lasl, to principal due, 4, Charges; !.iens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to tlte Property which may attain priority over this Security Instrull1cnl, and leasehold payments or ground rentst if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if nol paid in that manner, Borrower shall pay them on time directly to the person owed payment, Borrower shall promptly furnish to Lender all notices of amounts to be paid under this paragraph, If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien whklt has priority over this Security Instrnment unless Borrower: (a) agrees in writing to the payment of the obligation secnred by the lien in a manner acceptable to Lender; (b) contests in good faith thc lien by, or defends against enforcement of Ihe lien in, legal proceedings which in the lender's opinion operule to prevenlthe enforcelllenl of Ihe Ikn or forfeiture of any part of the Property; or (e) secures from Ihe holder of the lien an agreement satisl"clllry 10 Lender subordinating the lien to Ihis Security Instrument. If Lender determines tltat any part of the Property is subjl'Cl 10 .1 liclI which IH<.IY actain priority over this Sccurity Instrument, Lender may give Borrower a notice identifying Ihe lien, Bornlwer ,hall satisfy Ihe lie' or take one or more oflhe actions sel forth above witltin 10 days of the giving of nOl iee, S. Hazard Insnrance. Borrower shall kcep the improvements now existing or Itereafter erecled on the Property insured against loss by lirc, hal.ards included within the ferm "extended coveragc" and any other hazards for which lender requires insurance, This insurance shall be maintained in the amounts and for Ihe periods that Lender requires, The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be nnreasonably withheld, All insurance policies and renewals shall bc acceptable to Lender and shall indude a 5!andard mortgage dause, Lender sltall have the right 10 hold the policies and renewals, If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the evcnt of loss, Borrower shall give prompt notice to the insurance carrier and l.ender. l.ender lIlay make pnlof of loss ifnol made pnlll1ptly by Borrower. Unlcs~ Lender and Bnrrowcr otherwise agree in writing, insurance prtX:ccds shall be applied 10 restoration or repair of tlte Properly damaged, if the rcsloration or repair is economically feasible and Lender's security is not lessened, If the rcslOration or repair is not economically fea,ible or Lender's security would be lessened, the insurance proceeds sltall be applied to ,he surns secured by this Security Instrume'h, wltelher or not then due, with any excess paid to Borrower, If Borrower ab.mdons Ihe PropCrly, or docs not answer within 30 days a notice from Lender that the insurance carrier has olTered 10 settle a claim, thcn Lendt:r may collect the :r:sural'.cc proceeds. Lender may use the proceeds 10 repair or re50tore Ihe Property or to pay snms secured by this Security Instrument, whether or not then due, The .lO-day period will begin whelllhe notice is given. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall nol extend or postpone the due date of the monlhly payments referred to in paragrOiphs 1 and 2 or chauge the amount of the payments. If under paragraph 19 the Property is acquired by Lender, Borrower's right to any in~uran(..'e policies and proceeds resulting from dOimage loth, Propelly prior 10 Ihe acquisition shall pa!-os h' I.ender to the extent "fthe SUflll!. secured by this Sc::t.:ucity Instrument imIT1cJiatdy prior to the acquisition. 6. Presenation and Maintenance (If Property; Leaseholds. Borrower ,hall not de;troy, damage or substanlially change the ProPl'TIY, al1tlw the PlOpl'rty 10 dl'lcriorate or l.ommit Wasil'. If Ihi~ SCl"Urily Instrument is on 3 leasehold, Ilorrowcr shall comply wilh the prm'isious of the kase. ~nd if Borrower acquires fee title It) the Property, lhe leasehold and fee title shall fwl merge ullkss I.endcr agrce~ 10 the merger in writing. 7. Proleetion (If l.l'ndn'. IliRht. in tbe Propert)'; l\!ortRaRe Insurance. If Borrower fails to perform ,he cov,'nanl~ and agn:l'IlH:IlIS \:nlll~lllcd inlhi", Sl'\:unty Inslrulllc:nt. or lhLTL' is a k~~i1 pWl.l'L'JllIg that ma)' sigllifiL~anlly affc(1 lendcc's rlghls in thl' !lropcny (~,ut.'h a~ a pnlL'l'cJing in nanLruplcy. prnhalt". for 4.~lltllkmn~tlOn \lr to cnfl)rc(' IotW) or rcguIJtilln~). th,"n ll"ll.kl 111;1)' do .tIId pay for ",hatcH'c i!l ru.'(.t.'!I~ary II) Proh.'L.t the \alue oft}", Propcct)' and lender's righh in the IlropcTI)', I ,onlin's .Il'thll1!o. IJI;IY indudc paYing any ~Unt'lt 'l'L"url'd by a !il'll "hh.'h has prhlrll)' o\crthi, S('(unly IIISlluIIH:1I1, .lpPC.JIIlIf,lll ,,"Hilt, pa)lII~ rC;I!\llll.lhlc ~thllllCYS' fn', .lIId (Illcml~ Oil lilt" PWI'c:rl)' (ill~lalt" r("p;lIr~ A!tlhWf.h i clIIJa Illa) lah' adh\[l undn till"I'Jra~raph i. i CUller doc~ 11111 ba\t. III J,I !'to. t\1I~ allhlUIll' dl...hul ,,,'d h~' 1\'11da under thi!'t pJIJgr;.iph 7 ltIhall bl'L'\)I11( ,hiJl1hlllJI ,khl t)f U,'rri.l\H'C !>c\:u!"('d hy Ihill SeL'unty 111\1 rultll."111 Link", 111111il"Cr and I.clh.kr ;1t;ft'C 10 illlll'r 1,'TI11S of paymrnt. theM: ;tnh'untltl !\hall hc:ar In1rrcs! from lhe I,tlle of Ji,bur...tlll"llt ;,t l!t\' ~ill" lall' 311\1 sh,ll1 h.' p.tY,lhh.', "lIh Inh.'rc'l, UPI)IJ 1I<llld." fh'm Lrndl.'r to Uorw\\('r requeslln~ P"IIl1CllI biiii-i 313 f/M fiG:) ... -' . "-"',~..Jc.t, .a.~_n I.... ; '. ~JJI'lr &'1 ~ . I .: '1" "';-'n',-, ~;t If Lender required m?rtgage in.surance as. a ~onditi?n of mak!ng the loa~ sec:;~Mftu:.ll tr enl, Borrower shall pay the premmms required 10 mamtam the msurance m effect until such ttme as the requirement or the irlsurance terminates in accordance with Borrower's and Lender's ~ritten agreement or applicable Jaw. ~ 8, Inspection. Lender or its agent may make reasonableentri.s upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection s~cifying reasonable cause for the inspection. 9. Condemnation, The proceeds of any award or claim f~r damages, direct or consequential, in connection with any condemnation or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the event of a total taking of Ihe Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, wilh any excesS paid 10 Borrower. In the event of a partial taking of the Property, unless Borrower and Lender otherwise agree in writing, the sums secured by this Securily Instrument shall be reduced by the amount of the proceeds multiplied by the following fraclion: (a) the total amollnt of the slims secllred immediately before the taking, divided by (b) the fair market value of the Property immediately before the taking_ Any balance shall be paid to Borrower. If the Property is abandoned by Borrower, or if, after notice by Lender 10 Borrower that Ihe condemnor offers to make an award or sellle a claim for damages, Borrower fails 10 respond to Lender wilhin 30 days after the dale the nOliee is given, Lender is authorized to colleel and apply the proceeds, al its option, either to restoration or repair of the Property or to the sums secured by this Secllrity Instrument, whether or nolthen due. Unless Lender and Borrower otherwise agree in writing, any applicatinn of proceeds tn principal shall not extend or postpone the due dale of the monthly payments referred to in paragmphs I and 2 or change the an1(~lInt of such payments. 10, Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the lime for payment or modification of amortization of the sums secured by this Security Instrllment granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Dorrower or Borrower's sllccessors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amorlization oftbe sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 11. Successors and Assigns Bound; Joint and Several L1ablllly; Co.slgners. The eovenonts and agreemenls of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower. subject to the provisions olparagraph 17. Borrower's eovenonts and agreements shall bejoint and several. Any Borrower whn co-signs this Securily Instrument bul does not execule the Nole: (a) is co-signing this Security Instrument only (0 morlg.'ge, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay Ihe sums secured by Ihis Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend, modify, forbear or make any oeeommodations with regard to the terms of this Security Instrument or the Note without thai Borrower's eonsenl. 12. Loan Charges, If the loan secured by this Secority Instrument is subject to a low which sets maximum Inan charges, ond that law is finally interpreted so Ihat the inte<<st or other loon charges collecled or to be collected in connection with the loan exceed the permitted limits, Ihen: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principol owed under the Note or by making a direct poyment to Borrower. Ifa refund reduces principal, the reduction will be Ireated as a parlial prepaymenl without any prepayment charge under the Note. 13. Legislation Affecting Lender's Rights, If enactment or expiration of applicahle laws h3S the effect of rendering any provision of the Note or this Security Instrument unenforceable according to ils terms, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument ond may invoke any remedies permitted by paragraph 19. If Lender exercises this option, Lender shall toke the steps specified in the second paragraph of paragraph 17. 14. Notices. Any notice 10 Borrower provided for;n Ihis Securily Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The nolice sholl be directed 10 the Property Address or any other address Borrower designales by nolice to Lender. Any notice to Lender shall be given hy firsl class mail to Lender's address stoted herein or any other oddress Lender designates by notice to Borrower. Any notice providC'd for in this Security lns~rumcnt shall be deemed to have bern given to norrower or Lender when given as provided in this paragraph. 15. Governing Law; Severability. This Security Instrument shall he governed by lederallaw and the tow 01 Ihe jurisdiction in which the Property is located. In the event Ihat any provision or clause of this Security Instrument or the Note conflicts with applicahle taw, such conOict shall not affect other provisions of this Security Instrument or the Nole which can be given effect without Ihe conflicting provision. To this end the provisions of this Srcurity Instrument and the Note arc declared (0 he severable. 16. Borrower's COP)'. Borrower sholl be given olle conformed copy of the Note and of this Security Instrument. 17. Transfer of lhe Property or a Iteneficial Intere.1 in Itorrower. If "II or ony part of the Property or any interest in it is sold or Irat;s,ferred (or if a beneficial interc~f in narrower is sold or transferred and Borrower is not a natural pcr:;on) without Lender's prior wrinen consent, Lender may, at its option, require immcdialc payment in fun of all sums secured hy this Security In~trumcn1. However, this option shall not be exercised by Lender if cxerci~c lS prohibited by federal law as of the dale (lfthis Security Instrument. If lender eXCrcl!-iCS this option. Lender shall ghc normwer notice of acceleration. The notil'c !'<ihall provide a period ofnolltss than 30 days from the dale the notice is deh"cr('d or mail cd within which Borrower mu~t pay all ,ums s("cured by this Security Instrumcnl. UHmrowe.-1" l"aib 10 pay these sums prior tn Ihe expiration o( Ihil.; period, Lender may invoke any remrdics permitted hy 1his St-'curity Inslrumcnt wilhoul (urlher notice or dC'm:md on Borrowcr. t8. Bornl'nr"!Ii Rl~ht Co Rf."in~tal('. If nmrower meets <..'crtain (.'ondilion.., Bonnw('r ,h:til have thf ri!!,hl to h3\e enl<m;.'emC'nl ()flhi~ Sc(urity In~lflJl1lcnt l\isl.'onlinued 3t any time prinr {l) the carlit'r of: (3) ~ day~ (or sllch olher period as appHcahle law may ~pc(lfy ft)r u"ino.,1atC'mC'nl) hdore ...ale (If lhe.- Prnperly pursu;tnt 10 any pnwC'r of ,alc (()lIlaincd in Ihi\ S('curity Instrumen(; or (h) t"nlry ",( 3. jUllF"mcnl (,Il((',dng 1hi(" Srcurily In...lrumrnt. l.ho'.c nmdiliml' an: 111:\1 Bonn",er: (a) pays Lendt'r 311 'um'" "hidl lhen wl'lJld he due under 1hi, Security Im.trtll1lcnt anti the Nntr h;td 110 :K'rrleratinn occuncd; (h) curr\ :ll1Y dd:lUlt of any nther ~:oH.n:1II1\ or 3~rc(,OIelll...; (r) pay... all ('~I){"Il"'{" IIIrulI'cd ill ('n(N<..'in~ Ihi... SC'('"urity Im,trumC'nt. illdudin~, hut Iwl 111111t("d In, IC'a...otl3ble ath1rney.... (t'r,; and (d) takl'''' ...urh :H"lion a... Lenon In"Y feal,onahly fequil'(' In a...'urr th31 lhe lien nf thi, Se(.'unty ImlTlln1l"nl, Lt.lllkr.... nghl'" in thl" P,npt'rty ?lh1 Bnrf<lw<'r.... obli~ation to pay thC' l,um... ..~(u,("d hy thi\ SCl"urily 1n..lrunlrnt ,hall nHllmue undlanf.:C'd t'plln r(.'i~l't:ttrm('nl hy Dorrmn.f. thl\ St'rul"lty In'trume-nl 3n(1 thC' "hlip-3t ion.. f,~(ufrd hrrr'hy ,h."lI fe-main fully dTC'ctiH a,f, If on 3c(C'Ir-fatinn had (V.:'(I,lfrt"d J In""f'\TI. thl'" ri~ht In rein...lalc ,hall nnt :lpr1y 111 the ("a'(' of accr!t"ralHlfl umk, l'ilfilJ.'.Iarh... 1.' nr 1 '7. lUD~~ :)13 mf {)fj t \,..., NON.UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 19. Acceleration; Remedies. I.coder shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraphs 13 and 17 unless appHeabie law provides otherwise). Lender shall notify Borrower of, among other Ihings: (al the default; (b) the aelion required to cure the default; (c) when Ihe default must be cored: and (d) that failurc to Cure the dcfalllt as specified may result in acceleration of the sums secured by this Sccuril)' Instrument, foreclosure by judicial proceeding and sule of the Property. Lender shall further inform Borrower of the right 10 reinslate after acceleration and the righllo asserl in Ihe foreclosure proceeding the non"cxistl~ncc of a default or any uther defense of Horrower to acceleration and foreclosure. If tbe default is nol cured as specified, Lender al ils option may require immediate payment in full of all sums secured by this Security Instrument ",ithoul further demalid and may foreclose Ihis Security Inslrument by judicial proceeding. Lender shall be entitled 10 collect all expenses incurred in pursuing Ihe remedies provided in this paragraph 19, including. but not limited to. allorneys' fees and costs of title e.idenee 10 Ihe e'tent permilled by applicable law. 20. Lender in Possession. UpOIl acccleralioll under paragraph 19 or abandonment of Ihe Property, Lender (in person, by agenl or by judicially appointed rCL'civr.:r) ~Iwll he entitled to cnlcr upon, take possession of and m.HHigc the Properly and 10 COIlCL'llhc rcnts of the Property inclUding those past due. Any rellls collected by Lender or the rct.':dvcr shall be applied fir~1 to payment of the costs of management of the Properly and collection of rents, indudillg, but 1I0t limited 10, receiver's fees, premiums on rccclvt.:f's honds and reasonable attorneys' fees, and thell 10 the slims secured by this Security Instrument. . 21. Release. Upon payment of all SlIIllS sc\..'urcd by this Security Instrument, Lemler shall discharge this Security Instrument withollt charge 10 Borrower. Borrower shall pay <illY rcconJalioll costs. 22. Reinstatement Period. Borrower's timc (0 reinstate provided in par~lgraflh 18 shall extcnd to one hour prior to Ihe commencement of bidding at a sherilf's ~illc or othcr sale pursuant 10 this Sccurity Instrumcnt. 23. Purchase Money Mortgage. If any of the debt secured by this Security Instroment is leot to Borrower to acquire title to the Property, Ihis Security Instrumelll shall be a purchase money mortgage. 24.lntereSI Rate After Judgment. Borrower agrees that the interest rale payable after ajodgmenl is enlered on Ihe Note or in an action ofmtlrrgagc foredllsur~ shall he the rate payahle from tjmc Jo Jjmc under the Nok. . 25. Riders 10 this Security Instrumenl, If olle or more riders ~'re executed by Borrower and recorded together with this Security Instrument, the covenants and agrcements of each such rider shall be incorporated into and shall amend and supplement the covenants and agreements of this Security Instrument as if the rider(s) were a part of this Security Instrum',nL [Check applicable box(es)] [ill Adjustable Rate Rider o Gradualed Payment Rider o Other(s) [specify] o Condominium Rider o Planned Unit Development o 2-4 Family Rider ,~ '.'" .::,...- Rider BY SIGNING BEl.OW, Borrower accepts and agrees 10 Ihe terms and covenants contained in this Security [nslrument and in any rider(s) executed by Borrower and recorded with il. Witnesses: ........................(~~~~.............. d ~. A~~/ .:.... ".~...?'.../. . ......~:z1f/........... ....... ... ........ ..(Seal) I.ero~~-.. Ruff -Borro,^er ...O~&............... Paulette M. Ruff .... ......................... (Seal) -Borrower .................................................................................. I Sp~{e Below Thli lme r or Admcwled,menl I COMMONWEALTH OF PENNSYLVANIA, York . . . . . . . . . . . . . . . . . . . County SS: .. ................ On thi,. Ihe. .Uth...... .day of.. .1\.U&4Qt. .. .......... ..., 19.&1l.. before me, .P,.. tlp.ta.r:y. .~'1l>.l.i.c.. . . . . . . . . . . . . . . . . . . . . . .the undersigned l)fficc:r, ill:rsonally appc:.m:d. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ............. J.~,oy."... R4{{ .i4{ld. P/l..\l.(Htc.~I,. Rl\ft............... .known to me (or sati,faetorily proven) 10 be the person. .6. . whost~ name. fi. . .the.y . . . suh\cribt'J lu thl.: within instrumcnt and aCKnowkdged that . .t.h~y . . . . . . . cxc.cuh:d the same (or the purpnsl's herdn contained. ...;~~, fj/i.!.,>:i..r.",- IN WITNLSS WULRWf, I hereunlo set lilY hand and official seal. ,,' ..... '''.: .1'\ My Commi"ion expires:{ LJ -9 2- \...~-tftM/GAf/m&.I{-1; ~:':>::.:~.:,.,: :.~:k~'l I).a '>'. \,_..'. ....., .,...~' .\"'. NOTARY PUHLIC ~\ ...'i'....~-. c.'.'. . . . . . . . . . . . . . . . . . . . . . . . . . . . ,- ':. \J. . " . . :-',,": " 1,lht of Of1.c"r . .' . ' '. I HEREBY CERTIFY that tho prociso plaCl.l 01 businu~s 01 tho me,: ieaguo r.nd ptlrSr,h entitled to interost C.m I!.is mor1aauu IS , .. '__.1..'_...... 1")... ..711"\1 2nd & Fin.;, ctiti;;jl. tlt\lIl:'UUIU, (a. 't "" , ,'.. 'II' lite r'r~r, \ ~:~-..:~~:~.;7 0". .~~ I 1 Ih' CoI1,~'~,:~on t.r~rell ""'!II i, IIIP. I aIM.1EIrL MIll ~D.~~Ot. r........... to.- t- '~1 _- .f /(. c _---;l--....." ;1- ,-,., Allam'i' . . . CONVERTIBLE ARM RIDER No Payment Cap, THIS CONVERTIBLE ARM RIDER is made Ihi,!, 1 th dayof AUGUST , 19l1.!L. and is incorporated inlo and shan be deemed 10 amend and supplement Ihe Mortgage. Deed nfTmsl or Security Deed (the "Security Instrument") nflhc same dutc given by the undcrsJ~.ncd Hhc "Borrower") 10 secure Borrower's Convertible ARM NOh: (the "Notc", 10 HARRIS SAVINGS ASSOCIATION of the '~U1. d~l. and cov~ring the ['ropol1Y d",crlb.d in the S~curllli: IqsO\lment and localed al: J) Old Stonehouse Road. CarlISle, PA 1-'013 - . . IIhe "lender", If"wp:n) ^'Jdr""1 TilE NOTE CONTAINS PROVISIONS ALLOWING FOR CIIANGES IN TilE INTEREST RATE AND TIlE MONTIII.Y PAYMENT. IF TilE INTEREST RATE INCREASES, BORROWER'S MONTIfLY PAYMENTS WilL DE IIIGIIER. It' TIfE INTEREST RATE DECREASES, BORROWER'S MONTIII.Y PA \'MENTS WILL liE lOWEIl. ON TilE CIIANGE DATE(S, SPECIFIED BELOW, BORROWER MAY CONVERT TilE ADJUSTABLE RATE LOAN INTO A FIXED RATE, LEVEL PA\'MENT, t'ULL\' AMORTIZING LOAN. ADDITIONAL COVENANTS. In addition 10 the covenants tlnd u(!rCCmCnls made in Ihe SeCUr!l)' Ini-lrUmcnl. Borrower and Lender (unhcr covenant and Af:rce as follows: A. INTEREST RATE AND MONTHLY PAYMENT CHANGES 7.500 lff. The NOle pro\'ides forchanpcs in the interest rille and Ihc monthly The Note provides for an initial inleresl ralC of payments. as follows: 4. INTEREST RATE AND MONTHLY PAYMENT CIIANGES (Al Change Dates . September 89 12 The inleresl ratc r will pay may chanpc on the first day of , f'J_. ami on lhal day ever)' Ih monlh thereafler. Each dale on .....hich my interest rale could change is called a "Ch:.lOgc Dale." (8) The Index Beginning with lhe first Change Dale. my interesl ralc will be hascd on an lode,,-. The "Index" is the wcekly a\'erage yield on Uniled Stales Tre3sury securilies adjusled hl acons!ant 111:IlUrily of one ye;IPi.;I<; made a\';lilahlc by lhe Fctkral Heser\'e Board, The most recent Index rigure available itS of the dale ~5 Jays before each Chanl~e Dat(' is calkd lhe "CurunIIOl..lc,,-." Ifthc Index is no longer available. lhe Note Holder will ch()o~c:1 new index \\ hich i~ h;lsl'd UPOll comparahle inftlTln:Hion, The NOle Holder will give me notice of this choice. (C) Calculation of Changes UefOl~ each Change Dale, the NOle Holder will calculale my new inlereSI ralc by adding Two and 50/100 percentage points ( 2.50 ~) to the Currcnllndex. The Note Holder willlhen round the rC~\J1t of this addition to thc nearest one-eighlh of one percenlage point (O.1251J). This round.:J amounl will be my ncw iI1lCr('~1 r;.!l~ unlillhc nexl Changc O:.iIC. The NOle Holder will then dctcmlinc lhe amounl of Ihe O10111hly payment that \\'ould he ~urfil'icnllo repay Ihe principal I am u.pccled toowe at the Change Date in full on the maluritydalC: al my new intC'rc~t ralc in ~uh\lantially equal paymcnts. The result of this calculation will be the new amount of my mnnthly payment. * (D) ElTecllve Date of Changes My new interest rale will become effective on cnch ChJngc [)Jtc. I will pay lhe amount ofm)' ncw mnllthly paymenl hel!inning on the fir~t monthly payment dale aflcr the Chan!;!c Dalc unlillhc ;,ullounl of' my monthly paymcnt dlall[!eS again. . (E) Nolice of Changes The NOle Holder will deliver or mail to me a notice of any changes in my inlercr.;l rale and Ihe amounl of my monthly payment before the effeclive dale of any changc. Th~ nolice will include infonn;{lion required hy law III he pivcn me and abo Ihe title .and tc~ephone number of a per.-oon who will answer an)' qucsli{m I may have rCI:!Oirdinl:! the nlllie-c, If Imay conven my 10;10 as pnwidl'd in Seclion 5 of this NOle, thc nolice: will also include lhe following informal ion: (il lhe fixed inlerest rale I will pay if I chnosc 10 cOllvCt1 my loan inlo a fixl.'d inlCrc"il r;lll' loan: (ii) (he amounl of my nc\\.' munlhly paymcnt allhc fixed r.ilC of inler('M: and (iii) II dale, not mor~ {han 15 days from Ihe d;Jlc Ihe notice i\ gin:n, hy which ImusI execule and deliver 10 Lender a document in the (nnn Ih3t Lender may require evidcncinl! the modifir:llinn of Ihe NOle 10 provide for a fixed inlcre"il rate. B. CONVERSION TO FIXED INTEREST RATE The N,lIe al!-o providC'lI the Borrower Itn oplion to convert the ;Idju<.lahlc rale loan inln a fixed inl('le\1 rail' loan as f01l0\\0;. S. CONVERSION TO FIXED INTEREST RATE (Al M)' Oplion 10 Comrrl On the' firs t and subsequent Chanfc Dalc(\), Imay conven Ihe JdjU<'!;lhkl"iJle Inan c\'idcnccd hy Ihl\ N()IC' into . fiu~d inte;rq ral~ loan to he fully rcpaiJ in ~ub!Olnnlially equal mlmlhly payO\cnl!o of rrincipJI and inlef'C'''i1 ovcr the remaining term (l( the loan lBl My Find Rate of Inleresl and Monthl). "a)m.nr, IfI chnm,e (0('00\'('11 to a fl),C'd intC'rl'q rJlr.thr NNC HnldC'r will !o.('t Ihr fl,,('d rJl(' of Ifllt'l('~t thai I will pay al,l ratC' C'4uallo the ,"urn nr (i) the Ft'dcral HonlC' LO!dn Mm1J!:.lfC' C(lrpnr~llit1n \ Rcqtllrt'd Net Yield ft\r N:j.d;Jy dclm.'ry 01 ~O ycar, fl),l~J {;..Ill,': mnnr<lb'C\ >>\"adOlhk ~~ day\ pri\)f 10 the Chat'tft'" Dale 011 ~tll('h I ne'n-l'.e my llptlon 10 C:OI1\Cn. plu~ tti)lhlcC'.cifhth.. {If one PCflC"I\l"l-'C rl~lIlt t ~7~fll If nn \uth Rl'4ulIcd Nel Y It.'ld i<; OJ\';llla~I~. lhr Nllll'lfnhkt" 1l1l.ktcnr\llW thC' IlxcJ IIltcrl'\l ralt't'y mlnp a nlmp;ILlhh' 'lfUll' Tht' new flu'd !01e'H'''1 ul~' ~dl hl':'olllc dfl'dl\'t' on Ihe Ch;lnrt' Dalc nn \l,lllth I (<2".\6\)10 ;t (uied IIlll'IL"1 rJl~ * Th~ 1nt~rest rate will not be c~~np,crl by more than ........perc~ntap,c point~~any change d,~te.. TIll' nl'W intt'rl'sl rate sh,~ll not tif.C'{oase to a ra' l'qfrl'atl'r than ......... abovl' thl' initJ1.1 Intere:;.t rate, 1.e. a cellIng of ~""e'Tr.l'f'anll"~lsc lanv mn~'emcnt of.'he Index WUl'tIS'l..n CuNV[ATlnl[ An"" ~Iotn- I~O ....y,.,,.1'\ ap ", 'tI.: ;"''', TR[\I. ",10 m "'.Iflit't~ I . ~~ bDOK :J13 m[ fjG7 ,j .., '" :~. (, '. ',1 .', " ':, . "). . ,;-" >.':'? ,:. ',:,'" .: :f'~'~~~~;;~'P'x~t;;_~:~~4';:t:~I"-~" '~,~~;'~.., ,,;", ,I: ) .....1 ;: .:~:~. , '~'.., ,; , "':1':' I'"" ~,.' ~,~I' \"': ~" . \ \,,1, r ," : ALL THAT Cf.RTAIN tract of land situate in Silver spring 'l'ownship, Cumberland County, Pennsylvania, bounded and described as follows: BEING Lot No. 5 on the Plan of Section "n" of Trindle Acres as recorded in the Office of th~ Recorder of Deeds for CumberlClnd County in Plan Book 21, Page 16, containing 120.00 feet along the Old Slone \louse Road, having a depth along Lot No.6 of 175.00 feet, a width in the roar of 120.00 feet and a depth along Lot No.4 of 175.00 feet. SUBJECT, nevertheless, to the ouilding and Use Restrictions a~ r~corded in the Cumberland County Recorder of Deeds Office in Miscellaneous Book 184, Page 536. BEING the same premises which Thomas E. Mock and Patricia L. Mock, husband and wife, by deed dated and to be recorded herewith, granted and conveyed unto the Mortgagors herein. UNDER AND SUBJECT, NEVERTHELESS, to restrictions, conditions and easements of prior record pertaining to said premises. THE MORTGAGORS represent and warrant that neither of the parties hereto has heretofore instituted divorce proceedings against the other and it is further agreed that the lien, operation and effect of this mortgage should not be changed in any manner as a result. of or part or dony property settl€:7i€;;t or equitabl.e distribution by the court in any divorce proceedings now or hereafter instituted by either of the mcrt9agors hereto against the other. l;:iT. ~ SXH I B J T .. i;" - BDOK fJ13 fAGE fifjfi , " > CONVERTIBLE ARM NOTE -No Payment Capl TillS NOTE CONTAINS PROVISIONS ALl.OWING FOR CHANGES IN ~lY Ii'iTEREST RATE AND MY ~IONTHLY PAY~IE:>iT. IF MY I:>iTEREST RATJ.: I:>iCREASES, MY MONTHLY PAYMENTS WILl. BE IlIGIlER.IFm' Ii'iTEREST RATE DECRJ.:ASES, MY MONTHLY I'AYMENTS WILL BE LOWER. ON TIlE CIlA:-;GE DATEISi SPECIFIED BELOW. I MAY CONVERT TIlE ADJUSTABLE RATE LOAN I:>iTO A FIXED R,\TE, LEVEL PAYMENT. FULl.Y A~10RTIZING LOAN. AUGUST 11 . 19 88 New Cumberland Pennsylvania fIl tl..t: ~~~ -l&'J p. ICII~1 I\'~ld 3c; Old gtnnehOllSP RO:Jd. CArli!'=;lp-, PA 17013 IPr"I'lI:n~ '<.1""<:"1 I. BORROWER'S PROMISE TO PAY In return for a loan that I have received. I promi~c to pay U.S. S 57 ,600.00 lthls 1.J00\lunt i~ ~allcd "prim:ipal"). plus inlerc't. to the order of the Lender. The Lender is HARRIS SAVINGS ASSOCIATION I understand that the Lender may tram,fcr thi.. Note. The Lcndcror ;Jnyonc whn lah:cs thi.. NI>1c by Iran"fcr and who i\ cnt;llcd (O receive payments under this Notc is called the "Nole Holder," 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal ha.. been paid, I will p;.l)' intcrc"t;.lt a YC;.Irly rate or 7.500 9C, The intcrc~t r:He I will pay will (hangc in :J(cord,mcc with S~(ti()n ..;. of this NOle, The interest rate rCljuired by this Section 2 and Section 4 of this Note i~ the rale I will p;.t)' btllh hdore and aftcr any default described in Section 8(8) of this Note. 3. PA YME:'>ITS eA) Time and Place of Payments I will pay Pl'incipal and interc~t by making. p;.iymcllls every month, [ will make my monthly payments on the !ir...t day of each month beginning ~.)n Jlc..t.o.J>er 1 . 19..B...8..-, I will make the!>c paymcnt!!. every month until I have paid all ()f the princIpal ;.Ind intcrest and any nther ch;.irges de~cnbcd below that I may' owe under Ihis Note. My monthly payml:nts will he ;.ipphed tn intep:sl before principal. If. un September 1 ,2018 ,( ~till owe amounts under this Note, I will pay those amounts in full on thai d:HC. which IS I.'alled the "malUrilY datc," I will make my monthly payments;.H Second and Pine Streets Harrisbur2. PA 17101 or at a dIfferent pIa.:" if requIred by the Note Holder, IBi Amount of ~h (nitial ~Ionthlv Pa\ments Each of my initial ~onthly paymcnt~ \\Ii'l be in the JOlllUnl of U.S. S 402.76 . This amount may changc. eC) ~Ionlhly Payment Changes Changes in my monthly pi.!)'ment will rellcet ~'h:.tnges in the the interest rate that I fl1U~t pay. The SOle Holder will determme ~y new interest r~ite and the .::hangcd amount of my monthly payment in accordance \4llh Se.:tlOn .. of this ~otl', ~. l:-OTEREST RATE AND ~IO:-;TIILY PA Y\IE:-OT CHANGES i A I Change Dates The IOtere<;[ rate I will pay may change lm the first day of ~p.rt'~mh/C>,.. 1 . I G89-., and on thai day every L2-rh mOOlh thereafter. Each date on which my interest rate (l,)uld chang:c is (ailed a "Change Date .. IB I The Index Begmnmg "'lth the fmt Change Datc, my Interest raIl" will he basl.'d on an Index. The "Index" is the wcc:kly J\cr:.t~c yield 1'!1 Coiled Slates TrC';lsut")' ~ccuritlcs adjusted 10 a comtant m:uurity of one yc~f'" as m:.ldc J\;.IdJhle by the Feder::!1 Rc~er\lc Board. The mo...t recent bdc\ figure available ;.IS l)f the ..l;.ttc J5 days hcfllrc C'J.:h Chan~c D.al~ l~ c.illd the "Currcnt Index" lfthc lndex ~~ no hm~C'r J\a:l.ablc, the Sote H()ldcr "Ill choo"c a nc\A, mdc" '"A" hlCill" ha"cJ up-un ((\mpJrablc informatIOn The Sole Hulder "111 ~I\'C me notice: \If lhn~ chn!Ce, (C) Calculation of ChanJ;:('S Before c,J(h Ch:Jn!=C' D:.sle. the ~n:e Hnldcr will (JklllalC my ~C'w lnlen.'" I ~';jtc h~ :lddtnt! 't}lo .~nd tJO / 1 00 ~rt'Cl'lIJj.':C' I'KHnt!'. IL.20-rrl w the Curren! ln~{'\ The :--;(11C' Holde:" ",dllher~ r~l~nd the rt"ult III lhl" Jddl(11l1I to lhl.': ncarc~t ImC-l'I~hlh Ilf ,1ne IX'rc('nta~e f't)lnll(),I~~"";l i-!1I'o rounJeJ Jtnoun!\Ao111 rx- m~ -,{'W lnlert"'" rall" dotl! (he" nc\l ChJnf'c Date Thl' ~,)lC Hnljer ",111 then ..klL'rnllllC ~he ..In1,lunt ,)llne 1l1,)n!h!~ ~J~!1lCnl :~.Jt \Al<lt.,;ld be \utli~'l~'nl:n repay the rnn(lp:.sIIJm n.f":clt'd In i\v.~~ ;(t th('Char,rc lhlt' 10 l'Jllnn t!w ~~l;j:...r:ly dJlr::.it :ny I1l'l.'- Inlt'rC'l ~Jtt' !n 'ut,'lJnlIJlh ,'qu.tl rJ\mrfll" The (('wIt \lIThl\. ~.lkul;.itlon v. Iii ~I{" tht" or.... ;lm(~ur.1 ,'I my :T1\)n!ht~ ;nyrnenl .'. MUL.TlSTAT[ CONV[RT:Bl[ "'~M NQtE-:J Of 5 v.., Tr..,ury InClU1No, P.ym.nl C.tlf- ' "~.,, ~'"'' h'll"C Unll/:tfWlI....l.........-.I ;'1\. ([), Err<<(in' Dall' or ChanJ,:l"s My new inll'rc!<ot raIL' will tx'comL' cl'fL'CI1VL' on cach Chan~c Da[l,.'. I will p;.ty IhL' ;mlOunt of my nL'w momhly paymenl begmning nil the fir!'it monlhly paymL'lll dall' after the Changl' Dilll' unlrlllll' amounr of my mOlllhly p...yml.'nl l'han~L'!<o apaln, ([I Nulicl' of ChanJ.:l'o; The NOll' Holder will deliver or mail 10 me;J nOllcr o( Jny changes in my interesl raIl' Jnd lhl' amount of m~' nmnrhly paymcnt before lhe cffcclIve J.:..ll..' of .1ll~ 1.:h.ll1gc. The nOllcr will Include tnfOnnallon required by law III he given me and also Ih:: title and IclcphonL' numher of a Jll:rson who will amw~r any queslion I mil)' have rc~arding the notlCc. If I mJY conven my loan as provided in S~clion :. of thIS NOIC, Ihe nOflce will abo include the followlnp Informallnn: (I) the fi),cd inl~resl rJte I will pay if I chome 10 l'om'en my loan In\(l a fixed intcr~s[ rJte loan; (il) Ihe amount of my new mumhly payment at the fi>..ed rate of interest; .md liill adate. not more than 15 days from the dale the nOli..:e j~glvcn, by which I mustc),ccule Jnd dcli\'er [0 Lender a document in the form Ih;1I Lender may r(:~uirc cvidell..:ing the nHldific~Hion of the 1\olC to provide for <J fixed interest rate. 5. COIWERSIO!'; TO FIXED INTEREST RATE (AI M)' Option 10 COIl\'ert On the fi rs t and subseQuent Change Datclsl.l may COn\.'ert lhe adjustable rate 10Jn evidenced by this Note into jJ fixed intereSI ralc loan In be fully repJid in SUbSlJntially CqUOlJ monthl)' p<J}'mcnt.~ of princ;p.lI <Jnd tnCcrcs( over (he remain 109 ferm of the loan. (B I M)' Fixed Rate or Interest and Monthl)' Payments If I chome to com'en 10 OJ fixed interest rOJte, (he NOle Holder will set the fixed rate of interestthJl1 will pay at ~ rate equal 10 Ihe sum of (i) the Federal Home Loan Mortgage Corpor&Jtjoll's Required Net Yield for 60-day delivery of 30 year, fixed rate mangagc!\ i1\'aiIJbk':5 day~ pnor 10 the Change D<Jtc on \I,chich I cXerci~c my oplion to convert. plus (ii} three.elghths of one percentagc point (,~7Sr;;.). If no such Requircd Net Yield is available. thc NOll: Hlllderwil/ dClermine Ihe fix~d interest r:l1c by using. a comparable figure, The new fixrd intcrest rate will become cffecli\"c on Ihe Change Dale on which I convcn 10 <:i fixed intere~:t rate, M~ monthly p<Jyments ilt the new fixed interest r;,lle 'will begin as of Ihe first monthly paymcnt aft~r the Change Dale on which I l'l,"\'~rt. The m()l1[hl~ pJym~nt "ill be the amount that i~ ncccsllary 10 repay in fulllhc principJl1 Jill expected 10 owe at that Change Dale in subslantiJlly equal pJyml'nl!> on the maturity date JI my fi\cd interesl rate. <C I How 10 Co",ert If J choose In com'en. I will be required 10 sign and deln'er 10 the Notl' Holder the document evidencing Ihe modification of the Note withm the period :.ct in Ihe Note Holdcr's notice a~ provided 1Il Section -l( EJ abovc, If I do not do Ihls Wl1hin the specified period. I will not ha\'c an option h) con\'CJ1 unless I can cxercise another option on other Chan~e Date~.all indIcated in Section 5(Al.ln that case. Ihe inlcrc~l ratc Ihat I "Ill pay will conllnuc to i.idjust In i.iccordancc with S~clllln 4. 6. BORROWER'S RIGHT TO PREPAY I h<..!\'c the n~ht [0 maKe payments of prinCIpal <Jt any lime before the) ;ire due. A payment cf principal only is ~nown as .a "prCpi.iymenl." When I ma~e a prepayment. I willlcll the "l)IC Holder III v,'riling that I am doing so. I mJY m<JJ.;e a full prepayment or pani&.ll prcpJymcnls \/I IlhOUI payinf any prepJymenl charpe, Thr: NOIc Holder will use all of my prepayments ~o rcduc..: the <.l.mOUnl of principal that I o",'c under thill NOIe, If I make a panial prepJymcnt, there will be no changes in the due d:.HC~ ~l!' n'lY n.u;;:hly piJYjj'l~nh unh.:!'I!'Ilhe i'0I1: Noider ~~ree~ In wnlln~ [(lth()~e (.'hangl:~. My pilnial prepJ)'ment will reducc the ;.Jmounl of my monthly paYlllenl~ afler the first Ch...nge D;Jtl' f(}ll~lwin~ my p<:iI1IJI prepJymcnl. HllV,C\Cr. any reduction due to my pani<il prcpJymenl m<t~ be llffsc! hy an Intcn:~!'It ral~ incn':a~e, 7. LOA' CHARGES If.J i;..tv,. '" hirh i..iprIIC' 1\) thi, lOJn ~nd whIch ~l'h llla),unum loan charte\. io; flOJ.lIy il11l'rprl'lcd ~o thaI thL' IntcreslOr othcr loan chaq.:c!<o {'uIJcClcd or 10 t'tl' colkcll'd 10 Connl,.'C[lon wllh thi~ lU;J11 L'h'l'l'd the pCrmJlh:J linllb. thvn: ll) ;JIlY such l(lJI1 charge shall be rl.:Jul'cJ h~ the amount Jl~rl.'o;~i.Jry to rcdul'e the char~l.' 10 :hl' pcrmilleJ limn. and lill ;Jny ~um" i.Jlrl':ldy cl)lk'::ICd frnlll me v..hil.'h c)'(l.'l.'dl.'J r~nlll!lcJ 110111" v, II! hr rcfufldl,~d III me TIll' t\llll' HlIld..'! may chno"c to rn;J~": thl" I;':! unJ h~ n.'duclOj.: the pnncipall owe under Ihi" !\'OIC or hy makm); a dlrccl rayml..'nt to ml' If i.J refund rL'du..:e\ rnnc1pJI. lhe rl'Jurli11n \\'II! he tr....J1L.J.1' i.J ranlill prCr;Jym::nl. ~~c.:.... ..... c,' !-'l.~ · f" ~ H. IlORROWER'S FAILl'RE TO I'A Y AS RF.Ql'IREIl (A.I tale Char~l'!'I fQr (hl'rdut' I)a~'mt'nls If lile ~ole Holder ha~ nnt n:CCI\L'J Ihl' full ~trl1llunl \11 any mllnlhl~ pJ~ lllent t-.y the I:nJ of l':JlendJf d;J\\ .J~tcr [hl' dOlI.- Ill' Juc, I \/1'111 rJ~ J lJ,tl' d1;..crJ.!~' 1llltH' SOle Hllldcr The i.JOlllUm \11 lhl,' lh..HJ.!l' v. ill h~' 5 .00 (~ of my O\'l~rJUI' pOJ.\ mer.! of rnnupJl Jnd lnlcrc~l. I will pJ\ Ihl\ IJ1C lha~J.!e prompll:- hul onj~ l"lthl' IlO l'~Ii.h i.llL' pJymclll Hi; l>trow:1 If J Jll n()l p~~ Ihl' lull i.Jlllollntllf c~rh !1lonlhl: rJ~IlI~'111 {It] [h.' J./le 11 I" UUl'. I ",ill h.' 111 Jd;..cull IC I 'Of in' of ()tfault III ,J'11111 Jdi.Jull.thl' ~(lll' Hllkkr m.l\ \..'oJ me.1 \,l,lIl!i,'lIl\olli.~' [dlll1~ l1lcl!l,J[ III JIl nIl! ;'.1\ Ill; ll\crJU~' .llthlUm h~ .I l'l'n.Jln J..t!l', lh( ~,\:.' HulJL'r m,J~ n'l..jLJlf(' 1m' In r~j:- l~m'L'JI,JI~'I: th,: IlJil.Jllh\Uf"I[ nl P;l!klp..d \\, tmll hJ' nln h.....rl {'.Jld .ill.! ,.11111-.' 1llIl'I\"llhal I (l\lot:' on IliJ1 Oifllnunl Th.lllbll' mu\l he J,1 Ic.l"l .1,(1 ~OJ\" .Jll;r lh~' J,lll' nn \,l,!lI..h 1I1l' HdIIC\.' I" d..:III,r..'d IH IH.JJIL'J 10 l1Il' I [) I "0 WMi\('r b~' 'ott' Boldl" E\'en If. ~l;,t lln1r \,l, hen I am m drf.Jult, thl.' SOl;;' H\lldL'r Jl~" !HI! Il'~UlrC' me hi pi.J~ Imnh.'JI.JI.l_\ In lull ii' J:..'\(ntx'J Jfol1VC. the ole H,\IJrr '" III "till h~l\{, lhr llfhl hI dp \0 If I alll In Jdaull JI .I IJI~'1 IlIlll' 15 l:: '* 11)(> i.nt('n'!~t rate \..":'1 r,-'. he ch:.m['f'd by m01-p than . ?~.oo ~rcenta!~,l' points on a'1Y .....h..nn.--> ,..."..-.. '1"1~~ -.... .....,. "--'lt/~ c"11"]--' 110t. .'. .....,. ~ I 0.00 --.-.(",.... ................. ~.....- j'",-"" ~"""...-l.'., ~',.J,.l . jnCll...~.l~(' j \-, ~(' 1~r('ater tlan ....... alx)\:~~ t.he initial il1t'l":0.':it rate. j .f". OJ C'eiJinr, of .1.3.0.5 ".f>g3rdJf>,Ss of [mV mOVement of the lnae.>.:. \. '..... ~. .~ J' " lEI Payment of Note Holder's Costs and Expenses Iflhc Note Hulder has required me [0 PllY immcdi,Jlcly In full a' t.1c\l;nhcd ahIJ\'l:, the ~hl[c Htlldcr will h<!vc [he ri.!.!nl tu be paid back by me for all of ih l..'OS'", and expenses 10 Ihe eXlcnt ntH prohlbncd hy JppliciJbh:: law. Tho,,, c'pl:n...cs include. lor cX:Jmplc. rCi.l!llln;lhlc attorneys. fees. 9. GIVING OF' NOTICES Unlc..... applic;Jblc law require, J dilfl.:rcnl method. In)' notice fhat mu..t be given 10 me unJcr rhi... Note will be gi\"cn by dclh'cring it or by malljn~ II by fusl class mall 10 me at the Prop~r1)' Addre...... ;Jbo\'c IIf at a tJifh:rcnl JJdn.:..., If I givc the ~OIC Holder a nmice of my tJjffcrcnt addrc~s. Any notice thallllusl be given 10 the NOle Htlldcr under Ihls Ntllc will he given hy mailing it by fir\l cl;j" l11JillO Ihe ~otc Holder a( the addre" ,t<.lred in SCl'lilln JtAl <.Ibovc or at J dilf~rcnl ;iddrc" If I am givcn J IhHil"c IIf thai difl'cn:m Judre\\. 10. OBLIGA nONS OF' PERSO~S UNDER THIS N()TE If more th<.ln one person \ign, Ihl' NOle, CJl'h pcr\on i\ fuPy JnJ pcNmJlly ohligah:d to ~c~p JlI nf the proml"e, made in rhis Note. including the promise to pay lhe full JnlOLlnl owed. AllY per"lln who i, iJ gUiJrantor, "urely or cnum"er of Ihl" ;'\!tlle i, i.tbo obligated 10 do the~e Ihings. Any P'=r\on \.'-ho ta~e\ tl\"erlhe"l.: t,hli:;;Hitm", including thl.: IlbligJtilln" Ill' a guar;Jntm, "urcly \lrenuor\crof Ihis Note. b alsuublig;Hcd 10 keep all of the promi,c" mad~ in thi, Note. The Nolc Hlllder may c"fon.:e ils rq.:.hl~ uniJc:'" thi" NUle JgJinsl .each penon indi\'jdu<llly (lr ;Jg;J;ns( JII of us rl1ge[hl~r. This meJns IhJI :my one of u, TnJ)' be required to pay ;J1l ill the ;tmnUn(, owed under lhis NOle, 11. WAIVERS I and any other person who has obligalions unJer thi!; ~llte waive the rights of prescntmenl and n\1I1CC of dishorwr. "Prescntment" means the rig.hllo require the No[c Holder 10 demand payment of alllOUiH~ due. "~olice or dishonor" mc~m.... (h... right (0 require the Note Holder to give nOlice 10 olher p<.:r\ons thai aml>unl\ due have not been paid, 12. VNIFORM SECURED ~OTE This Note is a uniform instrument with limited variation.... in ,orne jurisdictions. In addilion to the pnJtccliom given 10 the Note Holder under this NOle. a Mong.agc, Deed of Trust or Security Deed (the "Security Instrumen!"). daled rhe SJnlC datc a~ this NOlc. protects Ihe NOlC Holder from possible los~es which might result if I do not kcep Ihc promises 'Which! make in this ;..Jole, The Security Instrument describes how and under what conditions I may be required 10 make immediate payment in full of all amounts 1 owe under this NOle, Some of those condilions arc described as follow~; Transfer orthe Properly or a Benefid.allntucsl in Borrowt'r.lfall or Jny pan oflhe Propeny \Jr any in!ere~lln II is sold or transferred (or if a beneficial inlerc,1 10 Borrower I!> 'olel or lransfl'rrrd Jnd Borrower i.... nOI a nJtural pcr~onl "-lfhout Lender's prior wrincn consent. Lc:ndcr may, al lis option, rCljulre immediate paymenl ill full of JJl ':.ums secured by lhill Security Instrument. However, Ihis option ~hall not be exercised by Li:nder if ...xerCI~e i~ pmhibircd by fcderallJ.w a~ of the: doue of thi~ SecurilY Inslrumen!. Lender JJ<.o "hall nOI ell.ercbc lhl~ optIon III connection with any !-oale or namfcr oc::umng prior 10 a conversion to J fixed [nlerClll rate if: (al Borrower rJu~es to be llubmllled fo Lender informallon reqUIred by Lcnd~r (0 evaluate the intended tran!lferce as if J new loan were: being m~de 10 lhe tran!-fcrcc: Jnd (b) Lcnder rea~onably determines lhat Lcndcr\ security will nl:!: be Impaired by the lo.m a.ll~UmptlOn and that the fl!o.k ~)f a bn:.u:h of JOY covenant or aj.!rcemcnllO this SecurilY Inslrument i~ accept<Jble 10 Lender. To the cxtent perrmued by applicable law. under may charge: a rcasonJble fee as a conditIon 10 Lender'!> con!lcnllQ the 10;Jn J,\umptjon. Lender may :tl':.o require the Iramferee to ....ign:.in assumptIon agreement thai is acceptable to Lender and that obligates the tram.(erce to keep &l.1I the promillcs and agre~mcn.ls lnJde in the NOle ;Jnd In !hi, SecunlY InslrUmenl. Borrow~r will continue 10 be obltf:l!cd under the Note and {hI':. Secunty ln~t:-umenl unlcsll Lender rele;J~cs Borrower In wflllOg. IfLcndercKcrcl....es the opIum 10 (('quIre Immediate paymcnr In full. Ll'nder shall g.lVC Bon"0wcr nl)IICe uf acrelc:ratlon. The notICe llhall proVIde a penod of not lc'lllhan 30dJY~ from the date lh~ nnflC~ IS deliv~redor malkd wahm whIch Borrower mUllt p<tY:J1l ~ums 'ecufcd by Ih" SCl'unlY Imlrumenl.lf Borrov.cr lalh 10 pay Ihc~e sums pnoflo the cxplrallan ofrhlll penod. Lenda may Invoke Jny remedies pcrmmed by lhi~ SC"'UflIY Inmumenl WIthout fun her nOllce or demand un Borrower. WIT\;lSS litE Hi\!'\.'OtSI 1\1,0 SEAUSl or THE U'D[RSIG~[D. WITNESS: ,j. ~-,,-/- ...--/ , v':; .~,/:;{ / , (Scal) Gorrcwer " ,. ., ~ ,,, .......~r:. t- _". v ~"y H. RuJ+-,' . r ' / \ '""! I C-.=_.",,"\m, \"" l.;:-~,Lf P.lulette H. Ruff ) ( ~S('al) Gonower ISt"..dl borrO....f'1 ISil"~ Ortc:m~J! On/\!