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08-3400
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW i Adams County National Bank, Plaintiff, VS. Jeffrey C. Taylor and Valerie C. Taylor, husband and wife, Defendants. No. 08- 3 Y06 Civil Term Action in Mortgage Foreclosure To: Jeffrey C. Taylor and Valerie C. Taylor, Defendants: NOTICE You have been sued in court. If you wish to defend against the claims set forth in the j following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO f NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 Telephone Number: 717-249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW Adams County National Bank, Plaintiff, vs. Jeffrey C. Taylor and Valerie C. Taylor, husband and wife, Defendants. To: AVISO USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar accion como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAS QUE CALIFICAN. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 Telephone Number: 717-249-3166 No. 08- Civil Term Action in Mortgage Foreclosure Jeffrey C. Taylor and Valerie C. Taylor, Defendants: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW Adams County National Bank, No. 08- 3 q O6 Civil Term Plaintiff, : vs. Action in Mortgage Foreclosure Jeffrey C. Taylor and Valerie C. Taylor, husband and wife, Defendants, COMPLAINT IN MORTGAGE FORECLOSURE AND NOW, this day of Mqy , 2008, comes Plaintiff, Adams County National Bank, by its attorneys, Puhl, Eastman & Thrasher, who brings this action in mortgage foreclosure against Jeffrey C. Taylor and Valerie C. Taylor, Defendants, whereof the following is a statement: 1. Plaintiff, Adams County National Bank, is a national banking corporation organized and existing under the laws of Congress relating to national banks, with its main office at 16 Lincoln Square, Borough of Gettysburg, Adams County, Pennsylvania 17325. 2. Defendant, Jeffrey C. Taylor, is an adult individual whose last known address is 110 Pennsylvania Avenue, Camp Hill, Cumberland County, Pennsylvania 17011. 3. Defendant, Valerie C. Taylor, is an adult individual whose last known address is 334 East Meadow Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055. 4. On March 14, 2003, Defendants made, executed, and delivered a mortgage upon real estate hereinafter described to Plaintiff as Mortgagee, which mortgage is recorded in the Office of the Recorder of Deeds of Adams County, Pennsylvania in Record Book 1801 at page 3460. A copy of said mortgage is attached hereto and marked as Exhibit "A." Said mortgage is incorporated herein by reference. 5. The mortgage secures a note executed by Defendants' corporation dated March 14, 2003, in the amount of $123,750.00, payable to Plaintiff in monthly installments with interest adjusted as per terms of the note, a copy of which is attached hereto as Exhibit "B" and incorporated herein by reference. 6. There has been no assignment of said mortgage. 7. The real estate subject to the mortgage is described as follows: ALL THAT CERTAIN tract of land situate in Upper Allen Township, County of Cumberland and Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at an iron pin at the point of intersection of the westerly right-of-way line of Reynolds Street (50' wide) and the southerly right-of-way line of Cumberland Parkway (relocated) (60' wide); thence along said right-of-way line of Reynolds Street, South 09 degrees 29 minutes 38 seconds East, a distance of 166.65 feet to an iron pin at line of lands now or formerly of George Von Nieda; thence along said lands now or formerly of George Von Nieda, South 84 degrees 42 minutes 22 seconds West, a distance of 110.35 feet to a point; thence continuing along same, South 83 degrees 32 minutes 19 seconds West, a distance of 141.44 feet to a point; thence South 83 degrees 28 minutes 42 seconds West, a distance of 219.30 feet to a point of intersection with the southern line of a 60' wide right-of-way for Relocated Cumberland Parkway and Lot No. 3; then along same by a curve to the left having a radius of 430.00 feet, an arc length of 253.72 feet to a point; thence continuing along the southern right-of-way line of Cumberland Parkway (relocated), North 49 degrees 40 minutes 14 seconds East, a distance of 22.21 feet to a point; thence continuing along same by a curve to the right having a radius of 470.00 feet, an arc distance of 252.94 feet to an iron pin, the place of BEGINNING. BEING Lot 3 on Preliminary/Final Subdivision Plan for AMP Incorporated, dated November 16, 1993, recorded March 10, 1995 in Cumberland County Plan Book 69, Page 115. CONTAINING 0.924 acres, more or less. UNDER AND SUBJECT to Declaration of Protective Covenants for AMP Incorporated Property dated September 22, 1993, recorded October 28, 1993 in the Cumberland County Recorder of Deeds Office and all other rights, reservations, restrictions and encumbrances of record. 8. The present owners of the real estate subject to the mortgage are Defendants. 9. Said mortgage matured on March 14, 2008, when the whole of the said mortgage debt and interest became immediately due and payable. 10. The following amounts are due in accordance with the terms of the mortgage: I (a) Balance of unpaid principal $39,881.38 (b) Interest from 05/22/08 to 0528/08 $ 76.48 (Plus $10.93 per diem thereafter) (c) Late charges to 05/28/08 $ 5,048.38 (d) Other fees $ 348.30 (e) Attorney's commissions 3,401.59 TOTAL $48,756.13 11. The attorney's commissions set forth above are in conformity with the mortgage documents and Pennsylvania law and will be collected in the event of a third party purchaser at Sheriff's Sale. I' 12. The aforesaid mortgage is not a residential mortgage and does not come within the provisions of Act 91 of 1983 and Act 6 of 1974, as amended. WHEREFORE, Plaintiff demands IN REM judgment in mortgage foreclosure for the sum of $48,756.13, plus interest from May 29, 2008, at a per diem of $10.93, additional late charges, costs of suit, and other charges collectible under the terms of the mortgage; for the j foreclosure and sale of the mortgaged property; and for other relief as the Court deems appropriate. Respectfully submitted: PURL, EASTMAN & THRASHER By: Edward G. Puhl, Esquire Attorney ID# 55709 Attorney for Plaintiff 220 Baltimore Street Gettysburg, PA 17325 .(717) 334-2159 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW Adams County National Bank, No. 08- Civil Term Plaintiff, vs. i'. Jeffrey C. Taylor and Valerie C. Taylor, husband and wife, Action in Mortgage Foreclosure Defendants. VERIFICATION TO COMPLAINT IN MORTGAGE FORECLOSURE I, Susan M. Saylor, do hereby state that I am Assistant Vice President, Collections, of Adams County National Bank, that I am authorized to make this verification, and that the facts set forth in the foregoing Complaint in Mortgage Foreclosure are true and correct to the best of my knowledge, information and belief. I understand that this statement is being made subject to the penalties of 18 Pa.C.S. §4904, relating to unworn falsification to authorities. Xh Susan M. Saylor Assistant Vice President, Collections Adams County National Bank "ban • - • u, .. ° ;-y-;,ter,, ,.,. - MOR: Tbh . ...'J. :!?i aJ.?.-?...zi~!•CA?''? ;?9"!'?dW .•+.iLaG T!?^1??'rr• ? ??l:: j•?ti:'•!' ~l' 1. DATE AN] ?ART1E. die s•. goof parties; add?r.es app S ) is ......:.:. 1 . i..: 2003- ?c,identif ?, a CP if MO TCAGOR:' . : ; k0, ... ?..,' r?ggired, as €oIlo VAUMM C. TAY,j,Qg : s 334 13 T MR&IM DRIVE MRCM3 MCSBURG :PA'. 17055' ' +Y•^-Ii I''AYv: • i,? •L+S ?r .?• '?•/??l?•?• •. ' • 1 }. `4?T?!'t: •?t! !'; ^11f :fj :•°itti_`rr+Yi,'1T PMER .A?ANS Men corn 8$URQ':PA'.17325' ?i?, :??i 1. r?"•'1't•? " '' in.:' ?'' •.a:'.•.+• '.. • ` :' '?.:? ' ' /7 ?O7 7 /?•f ?l?ti•..'?ji'1Y. .X.? F''• ?[ ii {.?,'y ti ": '` _ 2.. l ?• p?y-AN(wk. 1 "?aL1JIIU11 ?'t r°:.i:: i.. +" t':.••' y . to oYh•w e ? ??r171' .. . ` •M • • qtr YI, r".. . L Smig:__i-+1 eTTy i ?.++?+w?•aWY ?? LIB OQ77TFY1 ?'j'T/yfYr!???? t. ? W II ''??1V?V /f?C aL.?L '? .' ?_?j]i? ='LTITV7 -•? ,,,'_ !!..,..."'"""'°^tM•"..,,..••.? .,?.• . a'.,yt" •+ YYY;T .;t• -*?r? ;1r: ? y: r J, • • . }1?STT'-n-- •. f'•?t .v' aY tj? p u?Ll? = 4G36dj(1G?1 i , 'i, ..:1 .. ti is :4 ? , f. $f •:? :w ` +ar:.. i' °'e. ', : • , fD] L {'1 .. . % the'S oovn§hip otouk qM Able or?: _per the Mortgagor0), taCbrded'n ' the-o?ce;o iaiffni rl des?n-bed is t ie Heed s) tq.;',, 561. (insert additionak de.or :bookOrclei:of said County' hi Dsed:cso7t'19. at page; : • . •••• ,. . _ .. :,. :,i, •n .. ?:?•_:•• •• :, -' ' ' • The de 'R• ti • Poo- ?!,ns :inect,in such. deed(aa:se;b thy: reference' ' ?fi?pTp?ff• . ,. Jl?+a r'}•'.'?J.kr•+:• '!:7.•'< :a •': ^r'????rated .. ?a r• S+.?l•••Y. ?,? '':',;•,'1:'_•r ;'fir r.+'. ': d'.`: •1 a ?ocaw M " A.'J.41 'hY.;' 'YM 1+ ' r• 90' C[JMBffitLp,I?TD' (County): ?;t°'-- :,?.,f.•J;• ?...... .e......:... • ............ ?p ....::..:..::::?' .?'NICSSt7RG (AAdre l 17055 Together with.all .:.. .,: ;,. : .chi PeanSYl vani :... (2v r ri .0 .. ? . ' timber", jj ?oP$y.??„ pfs• gr' °: p 5 :,+ ?• p F?? • '? and; • gas'. Skits; :MIDPs?. P'oi c ,all- crop.. aui.l ' fiXtEIrM nP that np Ty, nw .above fall refeed'ro as"' °!'at':'' tie in'tJ?e :f' be P ofthC ' trallam , " ,i,., s?"%(: ?• 3 "' sr•.': tL 4 ?. rCal'BtC - 3.; ':.'? = >`••:•:. ... .•'.`.-,? described-.::,; _ • .ViM . • OBLIGATION LIIyIIT :Tiie total :.. Y OAedWe not. ed +? x'"123 t,750 00 ?.??.?,^, '' tuYty InstnltneDt• at . . :'j&'ii ?-ti-• ..:...:.: .:.: This Doti of 11 does' aptly to . Pursuant :tos "'pr ih'tenms: of "$eciai°'' boa' and`to Vim'`. ' P aay ofthe cQye is /?)'A*Pme?? ` ?l• .? Prat: Lenders ?j???y own PEN,1lSYLYAiIA- ,• . ,; °: .;:?`••_•,'?s, :?LS•::a;`*` ?y„ Y"RE HY1 ?fG01?AtIBE O tii4 8 ?y„?. ` 8 r 4mgg 1 of W'. • :S- UN,ftf*Aofeo.MIpPA;7/1Y/?ppp,:.,. `'8.;` .. Jet % :7:. t?:?}} eta .i-.1 - t - , i.`?, W_.? 4.+}fr? •'!'.!1%tat'..r';A:('1'?? 't"'a{'ITS?i •(.:.'? ... .. , - '???'[7'Y'tJ1?E`AfiYi4tiTCSS: •.•• ? .' '::.: ?• ? . A." Debt incurred Mader tlu tin."?: •. r. ;_' -my of debt de8?'bpd WOW'.8ad; i8 Or odlar " Offi• 7nowits (Who Lo" ' ' , ?f .?IQtl:S,: !!1C,) ' ' •,; ..,. ItQf?{' SuC?! , b01717N?C!'S' Na1JP.?', 1=Ok' . AMOUNT $ 123 ; 750.00 nrfMMST RATE: 7.500 xN&T[]RITY DATE: 03/14/2008 ' .. . B: L•?1 7?77.r4}fWwGS'?i „ ,^ .- . .. •? ?''':•? .. _• ..-:?:- ::L:. •1. - :5?+ uhder-?q y- to MOT gagpz or pdi? uita+e'or , . after this ? n6le-, -==am -or or PM=Y yvhe?et fit'' videsc to ° .. .. : . executed is lki Pftl" San ity lY re£eret?ed. If : Iastruw' 1 se ay one or mortr . obligation that this Seanrity 'other future ob .MortB$8 ? ' or any one or more Morigagoi MO , veh* to Or Mcurred MM sec t by this Secuity Otheea. futtu?e' advanoes and Pm M2h all not yet iY Inwram=,-N .this tgbh0ns are sect if or on ? date of 'r of hmine• loans or aclvaaces in MW a e a to to in a "rate, R'r?• . # must be agreed - Mich commitmM $? artgagai owels tq now tpdt?3', i'.;I ; btit nct.ymited to liab P. Or MAY lp&r awe' xo the MUM not f0 draft.reb &V to an nal A1111 it 1•' .l{. f 1rQj??Zj 7...\{f•' off'..; !i? Vg11rC"`a ..for...: •:y Or Labder A6 incurred b ..Tbia: tiadea the t?r?os. of this Seauity. °t S`.?g ' . esarvMg will ?? of r'esc i' ssion. not secta?e any oti?er debt if Lenda• fads to give as :. Y required notice of the . 5. PAI'NT'S: M ; •.;.. , . ir, :i:•:M ._ :. ;' Ort$ag0r'a'gt :r• ' :: :: •.. ':; :.. ;. i '..: . . acc0??dance with.the terms of the Seams Debt and this ?,7ined Deebt'WM be pawl y?, M- •. - •?7i Oi' '.: .?f'?•-':'111 <4, .. '?I .• fI -????./?Y,1.. .. .. TZT71.? M0n9vor m' '??aii ?t Into '' :.i>r is Q0e37 by this Security bstruu&eat.aad has-the ri 9=j' a8 or'ovill be lawf UY'seized of the estate PPrroTpeily. Mortgagor also warrants that th5e x0 ' WtgaM • c yveyp?s?e11?,grid ? is the • --??- /.•?ri i?lOR4 ???,,ii,,??..,,..??T????I'. ;Yf. J: ?. • ?.??.Y ?RJ?, Y 'J'i?FUW' .•.raaWA?... .. Ir??171i7. With regard t0 any or o lien domun= Other' rt that created a'.plior ,3' interest orb of this[, testy " agreement -A. ' To make...:. c.. - on the Property, re6d i . P$Y ?wheh due And tb . es or -Don To prm sIlomptly deliver t? LtndGr n ' ly with all cov; = C. 'N ot '. 0rt °w arty modification oreztensioh X0r vii from 16 holder. or agit wed bY'the.lieii document .without:Ia advances under any note 8. CLAI11'AG?g,INb'T :__..:;; Y• ;.? :,:. wri COsetct.:• :: ,„ "TI'LE. Mortgagor".:will, Pay all aaxds:' aw6simenti P$Y ,oground -reois', ittiIities;_ and other chatg p' ' brsnce... s - 1: ease r, So Provide tq Lender: copies .Of all rOP?Y when due. Under,zo ... n e<ndg . g$gor s payment:. Xe. and th.'e, p ?vonld:impr tie lien fs p?}Mii••iVV?Or,,?,,mxnll defend title, to t $Q rece Pi ?rs Winder 'Q' Sr. 1VIo ° '' + :?Y: claims' that :rights; ctaims t0 assign br dehzj? Mo 0ra80S .sees. o• ?I ,.as to .... or !e oP?3'.:t? ..x : ?;tSAg... gay `have. 291. parties ?i?hi?:supply hboi•'br?m rP+ae ` 0,894 eweva sY.miuu tiie ,` ??pw, irw Fp?p'gp/CO MTO Pn, 7narmao ' . i , 2 of 70) 9. ; DUE ON SALE OR ENCUMBRANCE:.L,ender may; at its` option;::declare the entire balance of the Secured Debt.to be.'' . y .* ,anti payable. ,upon;the creation of, or contract for, the creation of, any lien; encumbrance;, U 'sale of the.;Property::This-:right ?is subject, to the restrictions imposed by federal' law .(12 C.F:R SQ1)as :applicable. ,This. covenant shall run ?vitli the Property and shall remain in effect until the'Secured Debt is paid m full and ihis Seeurity,lnstru'ment is released. IO. TRANSFER; OFAN ' INTERESI' IN . H E MORTGAGOR. If Mortgagor .: is an entity -other -than a natural person (such as a . rporatio4ofuthe org-a.hization);: Lender may demand immediate payment if: . A benefipial interest in Mortgagoi is sold or transferred B. There isg:change in either•the i46h ity.or;number`o?niembers of apartnership of similar entity. C. T.hre.r'e is a change in: one?=o# lillll maiie'than: 2S`'pe?inC?f?tvatiifg'dc] "of a ooiporation or ySaz entity: •'i i:'•. :h ?Ho wever,`Lender,iriay'not demand payment iit'the above situations if prohibited by law as of the date of this 11 ENZZTY'WAiAly'rIF.S AND REP$EIVTATIONS. % If Mortgagor is an entity other than a natural person (such}as a oosporatiort or 6; 'ipj'aniz tion?,`Mortgagor'makes to Lender the following warranties and iepreseutafioAs'which shall contiii a as lung as the Secured'I7ebt.remains outstanding A. Mortgagor is, dry. organized.. and va4idly existing in,' Mof tgagor's': state of incorporation or organization., Morfgagor, ig in good standing: in alI' states in i±hich Mortgagor transacts business. Mortgagor. has the,poR+t, and : 'autibnty:Co? own;the Priiperty;and to.carry on its business as now IMeing 'conducted -and; as ,applicable, is ;qualified to do so in each . state in a?hich 'Mortgagor B; Theae4?itign,x deliveFy atd performance of t2iis Security Instrument by; Mortgagor .and, the obligations 'evidenced by " Secured Debt are, within. the pogier : of :Mortgagor, have bees duly authorized, :luaus: received all>nQCessary`goyernmental approval,' and will not violate any provision of law, or order of,court or?governiYieatal..agency C. Other.thaa previously disclose inwriting to Lender, Mortgagor has not'changed its name within the last 'ten gears anti . k not . bud 1 any : other'ra:tde or fi cti ions name: ? Without Lender's prior written consent;. gagor'dpes i)6f and'will iio`t `use any ° gther name and will preserve its existing name; ti`ade names'and franchises'until the'3ecured Debt is satisfied: 12 PROPERTY CONDITION, AL'TERATIO'NS AND INSPECTION. Mortgagor will: keep the Property m' good condition and snake all repairs' that are` re8sonably necessary: Mortgagor shall not commit or allow any waste,` iinpaumeiit or deterioration of the Property Mortgagor will keep the Property free of noxious'.. weeds andrassesiQo ?a othe .Y4- and use rvvill not `sutistantially,ch8nge;wi out et, a riot, written consent "l1orEgagor will not permit any change is any license, restrictive coveont or }easemclaimsentivinthput Lender's prior written consent Mortgagor will .notify Lender of all demands, prdceedmgs, , and actions against Mortgagor, and of any loss or damage to the Property: " No ,pomoa of the,Property will be reioved, demolished or materially altered without Lender's prior written consent except that Mortgagor lies .the right to 'remove' items`. of personal property comprising a part of the Property that become, worn or obsolete; provided that such personal property is replaced with #ipr per prop ty at least. equal in value#o the replaced personal -property, free from any title retention device, security agreement or ottieer enctiimbrarice Such replacement of personal property. will be deemed subject to the security interest created by this Sety.Instrument Mortgagor shall not partition or sub 4e the` Property without: Cider's p o t, wntten consent. Leader qt, Lerider s agents may, at I:ender s option, `'enter the::Properiy at any reasonable time for the purpose Qf'.'inspe?etin$ itHe; Ptoperty' T,endei`,shall gi?te.Mortgagor notice..-At. the .time gf:;:.or. before an " 'on"secifying a reasoriablp-purpo for{;the inspection: Any inspection of the.Property`:shall be entirely for Leader's, benefit and Mortgagor wily in no way rely on Lender's inspec ' /page s of 101 ..: v4 77 0 1994 9ankwn Syauinarot3Sud MN Form Aft ICO MTCi PA ^ 7/10/2000 J 3 k. -14 13. ALPMORVY. TO peon34 "Motgag°lt3' 'A''I•?der'may° a '''''` 8a??` of the. s rtft. POOPS BpPAmts' radar ' 4aoti - " '`::':• •for• Pdrtrmance: 'ms's as ?in:fectap.t M or:'.car a <i ',to and s` .' ightsTcWfOEM Lender's AD Z_ "" ' °t E°r•11?aat9VW aor' pay pie ttbft?gn* ade 1,ead? fi, °b ion to T under the law or this Sam, ° ti if C=ried cm -ftmwt manner the interest n tbb pzv.er ," ader a;a;?= i :. y _ m' not.- ' • udxag•comP of• Protm. I4.A.SgG+.pFL f„•':r;;: *' :,.•,.•s? s;: ;r• s• "??. R?? 9ut11*.n i LLZ?r• '?aaaa?Z'?7_, _ W :.;•.•::.:.?.': •.t JOCIE! or. and . Ae711.OSwaww.. fw. yy? "ewwo? '. ?l? • .• pfts.w.?`•.•fy: ?N.^'{?'?.f?; i.:::.1:.?f:Y?...l ••,;: ; e• • ' .. •. i.' • .r ..ir U:a?'1 w„w__-._;'' 4' Afid 'Q'R.7?rMfrgwY' or yyy????'??':l or4? bsti fi ancy. _".',•. s. ,. B: Reins, issues ? p t$ (all 1cfemBa .? Wit,: Q 1, "'°S hot limod. m , pppQ, real eame ttnr rvN3,`. -, .?T a? chl'trm • .. ~' _'?DM!` .1? ??w f?.ia ti :` • :•: •r; :IBZA_Q.£ ?r' V . t t i:'Y?! • ' '' _ _ p . T`°??fYg'•.r+KWiIL, 7", it r _ot ? ti+y, *bgapM- '• ,,1 '' ItVCM3Ci _ r hgmd8ted ; •s' Io3?alties' ,r, ,. of i and M°ttg8g°:r. gear su .ihe a? ar° `wvoY°•or.ans' o ' • Ara!3' Of the item listaid ?? .;t{';' BCCOnnt Will also- 11e " "' til 4? '' jg' ' ?t"""?. t s: a•:. ::s,? :: j k... M0199 =e$aided as a be "Pt.?t A} inaF 1mri ., Pq Mor° w?1L O}?4?}??>: *vide" Lemde?r ' ' r , n?k,.r..• .R • .Y. n 1 d* f r collect;' sa$ ? 't?opfes of,all•Ba sting ease peri'6 M °y It 1LM •F]l Le88e8. conae?t• ° < ;wI11 not as I? 1in t % -ad ce ftce -pt UPS moult; Mortg' fimne ` % . e pnor tine Rears with aaY oihee fanda• eve: p: Re40 m"trust for;I.dn' .1 ] Ef s Amour dymemu on, the SecauedDebt as : theme' :oll' Underi1? will not ,' perty.aad to any pt rovu fo' coats of= s dit+con to Mortgagor agrees that this assignh3ft, e7?0Bes=?ncludu?g I, ?B' P10tD?B?,?d? prestrviag the, and Inm*h assighm= will effective as :to '.third' paitiesy' Pates in costs.. ", entitl ? is to. notify a effective uat l • the Obligati 0 °f ttus' entitled to on$ .are. , directly to Lender dtor suchr.or 1V?ortgagat's;tCnantB.'1p. Payer Of agrees tbat. i,? IS , M gagor.defaults nA Rears: dttQ1 And Leade?' ` :Moro ?' s ?ot• to. no?tifi"? Mortgago ' s, d or towbecog°me' ' Of. 4-4 *4 : snd. dt; o rtM anda ewt; Mort tb. ._Qn nonce of. ° de leer tq`E, de Y !,an receiving. the ti• Mort WRIUM also a no defamt, e+sts 'ender the Y:`, . t . Mortgagor maintain; ' d to regture th ,la 4 e .tom :r9 01 ? ?. R rea 0 - latv' Moifgfiance P1Omptly n°tYf3' I.Gnder of any , , ""m i0d. aoy aPg?ab with 'the terms of.. &C Lmeithen .1fMortgagar,neeedts•or r will -' obtain 'Ledd6e ?3'f'. nde¢'s fi?ses• to:6iforce,. ' s motion„ .6o opt' °?• e_afoit~e' P or ottiprwise ' :(ualeas the Leases: so ltt~r Leases aRt.the`.surtend oMO- subl b' ?? ?agi?ire);' or to " e the c ?°ts t° etnodifY W e . •.R • by Leases Leader acts meaa$ ,.protect and p p?ouuse or ocuhlbei the I,eam veved On; or'ot ' fDrits- hvlier.losss a ?'e-or liable ??Y f less o ; 'dam 'AMortgag°r'VM hold egl.epdw pw tQ' Lender's $mss negligence or . that 3';nCur as a cis of ije . Indemmf 'Ada for any'and'a11. . 15 ., >:_.: r.. ,- r ....? . ender fihis` LEA4SEHOLD '.CO ........ , .-?;?+:...c ,::,. arn;:?- ... • comply : with thep?ov?s10n8 of u any ulrl,, lease?uru???lSU` tiNIT{ DRVEI+? PMEM.• .. Sagan : agrees • •to .. :.F ,. r i ' Y, ,..... . as bR: a`'IUMbold: If tbe: Psopeny Flomt 8sibr? SMbf!a ' S pouq j ,Pone fPg90 4 of 10 Aorco nrra.rii des a twit" :Ml Yorrt' s' 't#ada€'°;.`?ir: a' ?.' r; ` ',;I .'t; 4 •?:?:; j. • :.; .?YGI?,?y•?} ••,w U.]gflflAf?t' !R;..•r`':TTT^.,,.`.f.k?"??"rT;=? uCYCI n4 °? ou r or 16.DEFAITL?. 7r' :? „ ,;? :..w, a;• , NO... VIM bein:de if : i%A ?9 ga,?t $ AiePaa= q°fgor ° ? ' Dot. o wing occar: .;:... ; Mort en dne;'y ... _ ?' . the sG ofd tiejm'or rive this Sect P wh C• :°. erg, off: of ?e3'a`'do' 4m bd)' that g, • ' ; f.: . ,:• for' is _Ns 'wattea :._ stumnmt .the anY::?mat4rial,, Mau- --by: or wananiq to Lteodei, M ,. ,•.... °t' tity;obligated on The adas?o Oon, nr,. 4 ? , 'o f.. ;d°'zlaw in'Mort ,'aPP4 MOW ".E:. A • g.anYor. 4WHcation ced. °f nay = ty$° bl by at any. dmi? t oh. a i ga.ted on tote. Ar • f _ cM : ;' o ?hca"`',wt ?.. dzat 1 gyros. ?< n or A : .' ? , ?. i . 4 •, ?• ..... Y:9 .?mPa? d.or trat?ev •aY???eat-?s value COX bmi. dit -1 rq)ay 4f tl?e pits ovn lrip, manages and; An -e Alde' CT:' Y 1I81ltr? n..:s'A..' "?,' iu kT•'"F' M. • r . ' 33J, ,, f: ` fr .4• _ . i,. ` Cty • ?? .. rvi& erodible f .a ?:/? Wyj::j..:' ..: ; •. ::. _., Y4 " •. I . . ii ?'?•LlaiW?? 1 e?cplaiaed iri 7 C.F 0u 'o t DE to. ?uye ; ?1t:sPartrt ig '•of ?gpt?? ?;?.., =:su°,8??1tur?t• Y;: +?+!?'ON '..• .r? .•••. .yr•.'?.?i`JVV ., -,,.. f. r !?t't y•; •.•'r?+-v ..L. •?p..,'f;". .?ia,..[•, .''$$ '. DEFAULT • :.:. ..., y_ y , ..,:. 17.. Rlaoitj tj Mort with notice' bf thp- riright ,deial to''ciae and st?te'w' ;acxoas. SSibject't4 this other:pot,,'I:endea? p .o?neclo@p thj fo Se?ritp ;, : I fir = e?,•maY.: b`edul .' •: c ;br the t" Debt' Sam- 4 gam: Ab°k? . 6..' a110? :aany art bf tie d defau lt ollr. th ?e pay K fir: tag? d. ,and?ch - :--.ay a ?#ce.if- , -ndpal shall''. . -id teams of the Secureli;D?;: a. ... ;to'"a?l to `' of a. . , not a Xclpsive t nand 7aelafed ? Pr v? O bY law: • the eve' az4d • r?? tq f . o *het hCa or Mt fQI 1," "' " ";tr -•a f CS, prO??7,I;C118tlI1Ct,:.. pd D* the S b atu?' ?a P3e, y .ap : Q ' aY Y • ! ? eq' : o? or ' ..( ? partial . t i aye: ?Vatyea IKo Leadrr.?:ir ?' : . • - ri 0 Wp are filed' renAedy On ztgaggr's -+ tQ nplcte' cure •of ?r- p?aat' x c1avlt.. if it contimres' ?Tf er= . notq.{???Laix r. ;`R. ..7?7•'•••Y. Jr-?...{i:..Qrab': .'#-•rr„•'f•;';rTe ytt•:?? •'' i,?g s'rlglit?LQ •` .. s?dor By ?..? ,. , :. ,• coa the k frr:,;t,.• 1. r `f''i .+;. i .. t•;: ;: ' ADWAN EX? when ?prQlu'iiitect by law.?'5; •"TMO. !113t. of "' any 'covenant in' tltis gaggr agre@s, to pd?r- .?,o f hser ON • CQS'I'S.. . L nder for ias}Tring ???` ? I?rtgago= vcnll=alsa p? ? '?MOrt?oi liiear?ies` Wectm P rig br•'.otherlvisecpro ° d d`?Y aioWit; mcui -ed by.: iBte PSt:.•Tbaiiexp interest rate is effect bear:inte t. ftrdthe:dlje:'of tite gY 0 y ' e?'S Se ty as Pmvidecl in.the terms of the. _? Ppayment';'Paid is ftdi .?. glen= by Land r* m i oll : #?ebt.'?Iort r P : '. Security Instrument. `?IIf ° Tcang °r Pdtg I?nd_er s ag'`Pa3' $11 costs and . ' This am-6int :. other legal : SecurimaY dude, but is not Iumted 'to sr CS under. this . •:1 • pay fig p.?y:, 1 casts; of'st h' :. - `'ms? I?nti1 des' co costs; and . ::. :.. W NMF1VTAV . A .. M. WOW RD '..::La a ?S'T CES..': As: + CO b"" thbut .Iuhjtation;,.: , t'sive use.°4 se ° • ?1 ;lbn qd comp t ) aft o ? ''' ,C CLA, 42 U-`Pc-''96A •et' ) .- Tuvir°°amental:. e8ponse r: and lo6al tt?e pubhc r ? court io attn ,.'all' othC^Yedoihesl :r. ?Y;BeralT :. ,F • : ?:w • th,'• safety; .w;elia' re, wv .oP?ons bt . .} r.:?. ; , IIpII?]??}t?lif'yO?•r?' a; ,? rC?Vt''?CttGCS'• g . ubs . 7M4, Bert gy?er„R ` •; ? 8 M?1;.gip lPAR, is f 101 '. '. - . s+ , •? t,L:.•. . F .rte . t ' welfare' of ?enviioant•: , ?; 3!i$erotue doe`?mbYic h?t?. safety, . "' rnarenal, . subsEaatxs, ¦ ;:.,Or • ?'h?dpng 'gubgtao'•r dd'7?ed •;a6 • ? • Law: under any d1? i't a,s `Mortg?gOl Ulm . ': '"' =;•'•ba!!r'o4••'!r.r•,ri:t•S•'a•:{.ti.::,"r,,;l n• ::: +w.w.?/? ?je{rjQj?V•f?{?n?e+eri`??..y.t,.?., •?'''C.?r ?S•....??t. ?.?,•.,,:, •,;?+.. :.. . has beam, ?or :. Pelson bn,4inaGC abt i'°a' • : t, rG per, or -b any durK. andled by ?Ti?•w ' .PY?a;;aaa#teiaary:oou of b>isiaesa '•. }:' .:B?.. ,?, . :I.at and in saict 7frv 'hti ',(y :S+•-' •'• ..; 'ye: ?'i,r?111: •,:.? ?' ..:• •,•••: MA&M Y?YJ?1(1 JYlVV -; iwe yy? y_ t.. _ • • t,,.,r ' : • , ,'uj' tTijwi l ,_ C• . WM • h Bdiai .+•Yl u1YiiGt4 -if L(4rlGilr(1C ?•`jY?y'l " the :' L ,°??•O,'sr .((ujmNl IIILPIY? tly-4 • .?' oIl .. Sta't1CCo$-Q,:.n }? fvly,•-6jVayry3.?` -t rdew o'fhn 166 Pr°Paty;bi-) ttieae"Ya"-,tibaY!wvaL.WF'or.w• `. -_'•QZ ".?wNNlp Oam D;: ems. IMortgagor wd1 e.all. ftPaty. In Ma in ictift M- ;:$xpt`'as previobsty'•.disdc"' ' l Law. :. , khdwledge'Of or'IBWI,to.batuve' '' n0 ' .? wnt<ng fto Leod?,';Mortgagor has no rocwi# (I.'y'•Peailuig."Ar' 9b d ..F. y kind im?ea8anon, claim, dr • i . `.P11 p*ezty ' o o7 on ' bstace,Iocatod on, wader 01 abrnrt te' l ?mediatel ' • '''' , ortgggor . o 4Y ' ort rnotif Leader iz>?,g•'"? nimsl,Lsw. M gagor such Pending or' mves 001 g..rl4iai;'or 'g i+eaeom 'ta believe` there any "•?.= ?!;i.°c: ?ight,.but;bQt?tbiq Pt Ce ?B• ln`snch as event, 1, has j: .40;PaMid4i pe.?n,an ,i rr.?,??'4.,,, p'1 -.t bPies a any. ' $'tv such "Y"±i?- ?I -?+F iluding the' rI& to I?Ve the ghn _ EX -Pt f PIYt rliselosodtaiid .,o ,, 4ed are -'F. °" xcePt tfal and shall i?tvarr<? with av$ applicableM gor and every 4:: o y diaclo?od-arid 1 Law. : .,;...,,.,_ writin ? g to Iieader? are . ,dus• b F locab?ori mo-w 4an :t.. , b, bg'addetiwoless! i or^ er' #r-.PZOPMtY-'mad zm.sddh tank, M9 ?i?ill • : s coasents'M writing,,:; itgagor`' PP3'?;,:.?mgaitor 'the 'Prt9peity, ' aad• ' i?nfiaa';'that'sp,'?,? ?,?y,?. aChvities ° aa8 op?ons on-'. the VP_8re O I'OI IOV81s :hired 1.a y applicable gagst btarne aad,F bbitli:.:? "^, ?Vltfrt will., s • Patput, 0, the :Property l b"mad"review•? ,. t0•t,idrr or I,eudes•a' ate' to': ocatioii' and At ?dY„omable ature of at' : ' zardo Mme a : 13?e'wastenca, ` ? and snagaitude of any.Hawdo?r Stan • h s been rel ?) , ,whether: nt eased wader or I. •:U}? pj{]?.,y?Yii°nns ta yi: aw??}7? Ipyi t y Q Y , x? . spm..wlt r,. r.'?fajS V4 +.ir^'??'-_LS?'''?1i?T„f '•+k•N`'y''dr• Y?J lS+7X..1.'} •;R: Kr•'.µ,, t•. l.ll Inn Lemder•st andtat?anY= rt n ::' .;. r'.:....::' ...:• MQ gagor agrees;' at Mort, ::QuaIified..eavii?anmeatal Mgm?' to':lirepam im enviro gagor s : e,:,to- engage a :the results of such audit- tO,Ix&t~r: =-The choice of the ? audit of the Property aad to. submit J such audit is sub,?ect to Leuder'•s ;approval," :t:: t , :;G:, :. vironmernal ?$n who will perform Leodetrhas the ,t but not bgaYi ,. :.. :.: ... on,' •^to ' ,^`section at,Mo tgago s expeose {;?' !• li °M, of Mortgagor, s obligations under this of t ti'w JD IaDylfm?i (1) Mortgagor will n; airanty indemnify and hold ' and -- or promise iiaatie in this section, atad against all losses, chirps, deaaarids liabilities 'dainages of asgigns -harmless from costs, •petial "incl. ??)P? response. and rkmediati on expebses '` x ration :aI Cl' :fees, •w)iich I+eWer`aad Undar,'s'su S. cce?sozs'oghofit r'si i' of on attomays der?;maY release ?aza;';+aad.(2) Iat Leader ;•r;,';:;'collatezal; of .at:l t:.and Y rtgagg ,r?, •pIUVl[le' s drscretzon, east IMo with d4s Prejudice,to any of Leod?'s rights miler this by' g°':?entd?vithout . C ?! ems Svua?r c liic , Ci' chid, wr Foy &age 6 of 101 A GIA 7/1Bl20pp>::. Yy Notwiths?8'ea3;:ofshe :• ' .;:::.:.:'; :ti.:l, s.of, z ess` of of off- af` tbe' propeity. LOA 9r, Ly e tt - tq r? } ..the I`r$'54.:! `t'is +r• Uf':'i •,a: "} .: J , 11VgbC •OT' bfi ac C8 , pt 1C1-0 ? fir; 1=1.: h or anq"othr"?'i aw. o? •B.09f ft or tteat? acts abcrft ; ti'bed .nerxed ?lanms?irtg, mu ` of probpeds;f s s f3 • S? D /tYa.'='r?._ .sY,Y•; .? aR: r R' ;?frYi t`. h?f do& ask- .°, 7{ n:iE. L:.?.' ^'7 r s ?°c y %ft a •.ri "ui'?: ??}}?? I? ?• /'771 ?. •I+:t •• 7';7• .'? f' .kr i^,? •? ?, •.S':. Y•f 4•:::: y ,?"?t!c ?.'-^.':.. . Zl. ?F?'.r,Ol' ? . i7 +" .S?" •:?i ?,?t?..„' ...v• .,t"(,? ?:I:C•; {l? . .. :lie • •' :•. •. . ..;.s 'f:'.;•?5f :••. ..s. ?, ?•?•• In?1?? 'ling".'? ,$• ?•? OdIWA4PA ad' : . pT']ag}yot?ph9eo..j, ' • fm. `; j?Qypu',? • be art.. y ¢.:.? ?L :. • +M+??rWi{{S• 'L . }?n?:'/' `"t 'M CJr.. TT^v?ry; R? N°1:6`•" w a :..`+aNa! . t(1'` 'Lead rg of dad' when "1`"0`" a °"•'`'{p' :. f±shadl`'aadu liatiQn of ?, . Pe3^ Mortgagor shall `,? ; staff dsrd.. OPfliGies;jd.iiey??;`.od `'-li;bave:: y n°tif3+ P'Ptiums?? ?I+Ioit€$?1 r?8' :hold- the• • . - ? msuraawe cani %nd •? '?°? ? ?? •.Ort' is . . kbm nhzi_ l °rtBaSm ' :?.,?€`.. .T .•'' • •f•Y:`malee' ?taa?otiex`e.:. medei. of. the, othera?se agreed M*itmg all inmrajii- . =w?;~: :- r?K`:•t;•:: ?a ;:.,?C; , y , '.:° PrOPerty. or p 0 proQft6,t6 to the Sired .fit, I R'herp no,, be appH a ?to oix z or* nor t-.ha?,n.gs the 4hav mdlor' J' der's. •? an PA Ymm :. •' ".'y.u .+y _ a tMortgago?Trs ?lghtp ?q• a • .. :Zed t0?the MD?g$8pr a DePiFthe Iefote.?: psttzag B. 1Vlort? 'Im agor agree to re oa." Y+ of..the'''?ecctred'•=:' CORwebemi acci in as amrnu?t.ale to tY msuraace`aaming cLhnde?:'=as deut-jDr *ocr? m in oikon the: ': g amt', claims' aw. ?8 from f least coveia a of'. , au „nsuraace;: ?s ..b. deposi agrbedid?]m .."a, in tyiitm ?? .?. _ . w ESCRO r ?,.' :'' i4c;'=.',•'?r':a0`9Polic3' acc?tabl euo •:'•. Lamdce -TAMAND Mortgagora/il1'notbe _•' IJAlegs P. a .r,. .. • -•;t;, :to pay th . Tor: •;1xoviOed : in a ?Pute• a ?+3.iy???ii\v1tlL r :: s?+F? ies? r?t,yy;, y. :•:: '?"' r p x.in:escipw.: RPOB'S ADD AD equest- any. IQI?;9,L - d finaiacial ' or infortnati4n: artgagor`wilI-PMV- 1de .to Lender ., and•file aay,addmonal;8,prc r ably? Mortga gor - mie .a p}y?m o agrees 'Moo m to-Aba on ?the'progeny,- ,ort8 o' ._oblig at r--ity- 51 : t?nde?:ih}s;Sao= , meat -ess and., s ,lid .117y1?Irr•, ... " ...... :•- :.. .:Ki •pp-i:p: :,1,: •. yBtI;L''y;;sC STGSz , SUC eat, ? ? = L;are,.'0 *(,. Q ?'?r p ?Ot7ND, -x.•''Yx±-:1'.,i 114 e,. .w••pp+/4??F', fMM?L''vl'V C `yip..v,rtLlLl ?7p/? ' • ,`.. '•• T'.' }.• Y,•!•. +w V: YL151.' ?' ` wVj ?S tILRIr s . - - - pa W84 kds 61?pnn, y?.; 8L MM , `' r i r ; ?' Oigst 7 of 70J +RRrt ?Yy.E ?311t',•• ,t•:rkry ?•r?4e. y4;?• :i,? t .. ,?: -f Zse,ltprrT.•:#G'r+T4•..: ...Y ? ..'u R.. }wa .,h.'s :> . .. ;ter t •T?'.. ^t:.- '?'•' - ? .. - ??['I ? ? 1.w ?}w to Y tf ? ..M. f .i: • ,f.: •.. .. '1iuble'onthlil5ecdred?,y ? a ?fdiNioYt g it?idobB; to. PPr - e ., :•;?4.i. ?4f?!a :. •Wt "' 1 ??•?.'• ?4.w.••? ?ifaLil and . - , cWhi mited or-e?r ! ,.._:.iz d t 6r the yob that. ;li ... ! Action ormW 'or not aaron lai%?s. Mottgagpr . mmd' but are hot " l.natrfilmal nY°dify?? ipake"i , s ?3' to this IVA - 3 WWObt. rel ?of;?this::J•:Ins?t:??. ?ease,Mo?gagor from•tbe •. • =Q, the. ucxxssors,ai#d>as8as'o ;'Qf Y In.shall bind and . ^rr: ?A?? T i??Iao?tsagar?nd?=eddex:: ,:...:;.,:.: - ? •Lw?. 17.ii?f?a??' ft.? :sj,.;', •'17' '..'1+.`.:"-; r'; ;'.,t •F `, .t't.: .,{... , iri Of. .;04m the z {: W-S U_ r• an.4 kabje'Ct to thb pmvisioms of ?Q Pa:C; .?4.: Secti? S 1 at 6eq. mis6. DeI'cedd?le ngb ,,,,t6f :of Imo. Lender. "by ?.,?•.da thC' s' does so fmdoz `? ?? r? ?SJ?. . Y?In?sdt Instrva?at be nOt 'emkmtd-Or UMWWO& .or lik s 'la* I ng' D? 1 ? a Iieabla a'm:?Rot "bt t festive, Itlnt can= ADODI ;. ?oYgi?eet:.if ag4:ction of this ing to its • 1149-95h be- severed 'amid ;o 3`f s' of°this. Y' I?rum:' lar ahaIl usm PI}ifal the,. +'' And tellilb InsGrumem' are for oam Y of the.sectibm.of.d a Sanity "' • • to be or 3_ tbia Sectmty `Iristrtnaent ' i§''of inJthis'Secunty Ins r?t?::? k= p_a' ddhe the tem?s'of ' .^?:'1?V 11 .t .• Y`:lc. -?',' .r .. •„ :.:.;:f%?lt:C-,??.:: ?•._ha? r?:;,4. .?'. ?a ?'r.'r?u? •r',a" CE. Utsequued luwy ;. Lrid Vei-b ; ' c18se'mail tb'the *9MP?te 'a -gr no on :X10 ;'... ' • ; dt li rizig it, or,by Yung it by . ?'.• addressS m wi?tmg= Nohce.to -One -W ID any other ' ... • ... ., .,..::......•.:. , . . mgrtgagor- wiIl'be.dee?d•to be hottoe m all 27. 'WAIVM t -.:• ... :. mortgagors. -ID ;D • m the eft p?ftd by raw, Mortgagor waives " right raises relating ZS - WAIV R-OF'.ifURY '."?'oaa J iAit?J.ir'10 aeatenvt t Prot d _ ... and in.' •:wai the y '? Mo 8 fight;. Which the,pirtyanay. ? a ?'.lmowiagly on Deft y.. ,f1tOm aheaeed,r?? o ti3m'Y •wHhpect to any # Evideace' and this Mo ' ggr??t° It.ed in-Con with the r on of en41LO: @ read' either been broteglt to' the afi +iowle thaf .this section has oPPo t9 ito do so. • :.? part -s 1 :..or hat 'each :Party had the U.C.C. PROVISIONS.' If' clieclced, .ttte',following ,applicable do toy aot ,lWt',•' . ft Security C1::7 4, COnrsf .actiuri 7+177111: ..`:• :'S of an i Securltq'dnstrcnmeat:secures:.an'ob gamA incurred . ':. ,, ... improvement oa Propy : .. for'•the`. nstruction pin Ivtdrtgagoz' • rto I.e st3' interest fur 'all buds' that Mortgagor owns 9ta. Is now or in the •fnture "and that are br' will bec(iiv?e fv?tiires'retafed' theopJ; "C Ps; ' ;': DIf°ereLs? ?i ts; -'' es; :: and' Jhvill s M ' rt9ag0rglace . to Leader'-a" iaterest iri an fits ' Of themes' •tzmberl*Wals -J06k d,on:.the- o.Pmperty as 'well as" all rents; issues?' and p in- End -?THQ zncluding, but'; • not : united to, j all ::Conservation :.Reserve }?ro8 ( and P yam' ,similar governmental -pro in the term g ' (all of which. shall 'also : be included "Properly"), "'?e!`80>ial pi'OpETI?. ?VjOItgagoI grants a gCC1i1 IIItete , OII OI•COted wltll the•FiOPCItq;.":gjl•fm" In all persOnal'ProPerts, localted doannents,: ms?; 'chattel Ipapei`; : eneral ' P , imrentory; equipment; = acxoinpts, ....., ... ...:. .....:... g b1es; mnd. all -other. items of easorial'PI'oPertl' 4"Ve it of. lOj • a.sl 1884 Banbia .. ..: r.:'.gr.:' `:..... gYSwhc'' Inc" 6L'B"""'u• MW Fam''AalC0.A?1'CrTA • 7J78/ZOGD ' ' ' -, !'# ?'?`. Std f '!.'?'•? ?.? ? ' Tq) 5•. `,,,: :.,; ::Ta+',• d,o,,wt' 44:.J .;•rY, ?,.: ?'?'e'4_•.PJ' .. r\ ?.,{., :?- ? l .. ?'' :?`' f ._ { :} tii f/.•' '? try '• ?, ''j' . '• r.l : Fr •.c.?' ••' •• i fit' •?t.• .:• •i' ' •:i .,'1:. qr, o?gO OwnS' now,ori.m.tb gemem. o•. used tet33Pi '? OTF r , , . -of 1e: trilCtiOIIi "rr mmpftanm P op?ty )• e: p •. ' . go rr•, 11 1. Wbidi be..utcluded f ; "household 'ods maid *wn aPpkcab?e fed' ° of elwdes ,the# ' . •O' '?: ?_ .. Q'Q ,r ?, 1• • pp?v t c :.?;. c`es 'those.: terms ,? a .:y ?r• ??'tlau.. I .fr.• ? ???Cl? rt •?,•' ?Ir. ?. . g'? .' jg]??p Yi •4^ rt ,a:r...r?a .t: r, It praL't1?S.' !_, "' v,i aqsre also S*tem SL1ff1CC3•aS V 1C(I ?. :. :dr'iYAi r•i;i: 1. m ?? for of t ?y on 1 s Secxm'ty of ra ord a t *? 4/1•:?>ariL?Tk1. yj• •E1`,}ryy??? a •!r•;+Wfibf•Or•Ot{i?v •, ,r? I?r,.?' - i s•R'+s!Y , %': i w++aV?Cip /?•'?++,,,,???? -t .-1i4.? :r^t'e}?? .t.l'' :3*r,`;°'f+e_bD•t.$}?'?,,?.,,,`??, rry,yf•..`,`:. f41 a;`?'a .: •?•-r LIIIE Of'`''a cY{?• ??•,•.T?..air .'(_','',•[^„? t?is•:r: ;i -i r. •:•,'t ;!.'"'•.°rs A+++ARi, T;•; ?., a;r •n :••a. •.., ,`?•• _ 5eaured Debt Y«,iflcludes' e I t.' ".; + ,;?ar,Yw?? _. k ,?•7:..,• -:s, ti?,:..: may be ? adtuxd tFi,p `s'?n8, • . of credit: pmy YJ _ :'...' TeleeL ,-•`i `.••i tOw :F. t •r' .r • . p e k; VYI ?<'•Y`i?f.,Y?it:s•.?.;;k, r;f` '!" Y' 7" Y'1 =•?1+1?". t'` ' '.`li W fOr? lYl Or.hv 'rill y ttia. ?__T? ?,Llle'' 4f••?A)` ' TS allowed x : $Q}?rJl?fww.1 .to O*n v--•..YW i4 'rn..,.!?_? 1'IIli1F?Ttp • ,? ? i,}` -_,mdividnat t ,• land As ied ?8agor. is Im ?.. i'urc6ase Money: are- ftlpm arty ; "..j!•.AjDi* WIP '., this, y ' J , ?I.edeL used in-whole or is Part to and wader the laws of the AMY, BeSe.'.,1th; s11? shall be ?i '",?,?aefits.;tl?eneof;:;. [], :.:1 ' .'.?::.;.I}F:°°°?'lo•`: A-Z • - '; f ? q •rtr,. J .• - . t': J • y?<i'.r.'.,•+I`:.i. -: V. :: :+ tr ?'• '•tv::; :.r•.. 1: 'n i,. _::+„ '?, K• ?...: 1'*t•e?r:Tf`•:f?.i=°',yY r^ r: ^r y',r.!•',•(r'`^r ' • .. YZ 1: .t . y , ' i 7-. f; w •r•' \'?'.. T.T,},"rr 1'1',,x_!: ..3 t • '.i'•:' 'r"%y:• ••iT•'t. ('.; :'i F?i•: >. i:.,..J:'r. ,,?..ti ,t? :A ?;• .>' ?.. -.{',. ... uJ:' n `? 1°'1 ?.Y.' ,•i. \('?•^ •N '9?' •'?ir?'••a•r•J+• Yr-•• ,. T .. '•i }- :.t;:;. ;'?.1: ..`: tiw?,S'?T.F+,Y^i,,yy '''`i•:. •;Y .ii:w?:•' ` .. - - ? '. T'... 'r •.trl•„••t•;';a}ri?•' t\r, l• "• ''?'. f?a•?? '•: •} .,,l Y.:. tif.,. 1. n1 ,mot'' •'I fJ\:"• 71- TURES. By 519"4 below Mori ,' and covenp of a ints cOntRibbid,in-this r 5 ? 8 be 1ega ly: r' - rec?pt CqP9:of this Security inY:°rMo .to the tej " nt og the date•stated on rt8agor also ac?wled .•y: ,r x.11111 .. .. ..• ., - +ti^ - •,• ?' _ " .' - ? •. ry Nsmec .: : ti.. ' .. •??: ; fig' w• ....... 1412003 r.? ?k TA q :? '' 0' 3 , `' -- :,I.?:N;1„. ..J.-r: ?. AY,I1C)R•.. (D .. .r% ai.? .? /. 'ant`"?'T.,i trw•t: ?' .:•r, ?' .'r'... :><, S ;,r Ex9ig+et o768s'BsYuraB 1 i` "PIRO of 7aj *Woe .9 ::°J' .:>^•^:1` :T?r,"' .?R; •PP?4•'.j•j y..';? „'s?j' r-'Lt'4?..? I?yJar M;_::hi. , 1r . i?. `• Fr a t N '..??.' _•ti.t , 1; t ,'p:'y?r.. r. •:?: RJl.aw j:C7•pY: t+ , ?f : .: 4.` r . .,//1•?by? aA ?'sr, '.%, . _ /??1Y11Y1o1t??T1'LSLnLyLp,111'•• a: r?.i 1• VL`11ri- VF•y •.::: •f?z •.. .?, .. ' - :jL? ???p j??? 1 ?t•?i . ..?r.,.7 ?a!.M..::.1 ?•YG'???.J1D ?+?a?,.•$ •wtartt •'t ... •.•.'..•..f )earad '.i i-. ?' LLLG W7YGL.?1 ?Y11/T.iL,•.Ywi?LLy?s lr .•ISt•; i?;Gi'.?,.'??CSi `,'W' •.••... •• ..:.:........:..s..; r 'to hie (cd: y pmvm) to be ?thG ?pdrebn(s) 'whose nsmaes) :is' subM'ted''fb the :: ?dowledged that he/she hereunto s?t?my. hatd,aad:'offiael: seal. . r. • • ... • .').?h `nom `rr,? .,:s •.. .y,'t' : ,E - r r >,^? ,,.? y?:.,.i.: ';rte •?. ?• ,?' : M ,n. :.., : ' : .. . ' '' .r• iii:, ?l: :},'r; • !.: ' Li; '• .... .i:..` :::.......:? s °:•. •._+.- "", •ip ::_ • }: +1 : L ?'t?• iF, Jt'''•'7 i?::j.,?lT•S+??d; tiw '•WMMolI S'Yr•' ,?l it •Y:>:•..: i?:•?1:.•r.+•.:.: •\:{•/' Y}'NTI' OF. :: :::::::::. } SL .: ':• the . . the .. a: da oik-i"4fs.?....:.:....e :a. C I??+:•:..• ..::.:....:::..:.....:...... VY Ithiiii IZIdErSIgI•o1C2.C .. I •• ' '••.• t..•••i•.,<. W11\/ AdkpowleW hYi?Gll/11er8GLL W be t1m .........::.':: •of ..:......... .. ...... .......... ........:...:....:.::.and.t g he/she as sorb :. ......... :.... ................................ ......... ,.......... ,.... befog authorized to do i6., executed the. foregoing instrument for the purposes therein contained by' S g the n ine of the . ...... .. by .............................. :............. as ........ ..• 'In witness w1.hereof,, Ihereainto'sst+aryband aad'official seal.. M .. . Y r... - ,Y:. .. ,. . - IIlII11s$lon r + . CD Cxpirk ":? ` ". + ?, i'"'i s i • : r .. ' -Xy`t:+iyJ•'w•lY'+?.;,j: _i?'?.i .+.....:::....t....... .• .............. .. nue of ofrl*. 7: r IG ?.,?.y' ?. i7?: 4?I.?, ',.`1'.v .?,:l: ?: ",?ei ,1'• iC•:i;,. fit. 't ? :^r. r .. ::. It is harsh.' certified tliaf theddiesslof tie I.?neawi{inned'.is:: . ADAMS COUNTY ATIONABAK80X; 31 9 QR? j:"BURG. .PA 17325. •?.'!?•: ..•...• • •............................... • i• ?+ tom. "A..1 e#.. li re •?.?'?:.,•. ? cor'ed uraerlai'i; . . Cotln P:` .. .. . VA Z .0 D T9 •. . BMYofb SyIVOY.. Bi.CJatd,+ '' . . Y7e:•, f?Jid:'pormr'AG/Cp.yRp?r /T .: ??.''??. pe 10 Of 7q ` ecorer••of Dee - ds. tt7LiCMA1L t;Rit' WASH , ? _ ADAMj; COIINTY NATIONAL BANA-!! ?; Loan Number 60D1 4 334, EAST MEADOW DRIVE .. D•ete. MARCH ?4 nna MECHANTCSBiJRG PA 170.55" PO BOX 3129 Mgtiirity Date. 'MAlt 141008 GERTYS$UR(3 PA 17325 LoAdAmouM 8 123:750.00. e BORROWER'S NAME AND ADDRESS Renewal Of e1' includes each borrower above jointly LENDER'S NAME AND ADDRESS ntly and severe IN You means the lender, lta succeegors end esatgge For value received, I promise to pay to'you, or your order,'at your address Ileted above the PRINCIPAL sum of am Rtamm Teriarri-Titim Taxmm 4aVa Haim m'vmr Ann oo/loo Dollars 0 123,790.00 Ri Single Advance: I will receive all of this principal sum on 03 /14/2003 No additional advances are contemplated under this note. ? Multiple Advance: The principal sum shown above is the maximum amountof principal 1 can borrow under this note On N/A will receive the emourK of g Conditions: The conditions for future advances are and future principal advances' are contemplated,' Open End Credit; You and I agree that 1 may borrow up to the. maximum amount of principal more than one time. -This feature: is subject. to all other conditions and expires on N/A. ? Closed End Credit You and I agree that 1 may borrow up to Nte'maximum only one time (and subject to all other condkions). INTEREST: I agree to pay interest on the outatanding.princlpal balance from ` OZ /14 /200 at the rate of_ . 7 : 500 % per year until MARCH 14 nna " + • . ? Variable Rate This rate may then change as stated below. ? Index Rate: The future rate will be the following.index rate: _ N)A ? No Index: The future rate will not be subject -to any Internal or external Index. I; wilt be e_ nttrely Jn your control ? Frequency and Timing: The rate on this note may change. as often as N/A A change in the interest rate will take effect ?- ? Limitations: During the term of this loan the applicable annual. interest rate will not be more then: N/A N/A % or less than %. The rate may not change more then % each Effect of Variable Rate: A change tnthe interest rate will hove the following* effect on the:.paymeMS. ? Th e amount of each scheduled payment will change ? The amount of Ue,flnal ? payment will change: ACCRUAL METHOD: Interest will be calculated on a SIMP R 'rstn+pnvem a? nwmtFlt.:, basis: POST MATURITY RATE: I agree to pay Interest on the unpaid balance of thle note owing?-aaftteer 1mlitur?ity and until paid In -full, as stated below: ? on the same fixed or variable rate basis in effect before maturity (es indicated ebove? `'': mat a rate a ual to 2 000 ?the;tughest a PrIM&h to p6lisW h the Win Street Jounw,s'lishug of money rates ®CLATE CHARGE: If a payment is made more than 0I days after It le due,.I agree TO pay alate charge of 3,000 4 OF THE nn-nn RETURNED: CHECK CHARGE I agree to pay a fee of ! 35 00' for etch check,` negotiable order ot'withdrewal or draft? Issue In connection with this loan that le retumed.beceuse.iYhas been'0ishonore tl ` ? ADDITIONAL CHARGES In addition to interest I agree to pay. the following charges which ? are ? arenot Included in the principal amount above PAYMENTS: I agree to pay thle note' as follows: E] Interest: l agree to pay accrued interest El Principal: I agree to pay the principal ®Clnstegmenta: I agree to pay this note in 60 payments.The first* payment will be in the emount.of: 4 7 and will be duo APRIL ` 14 2nni e 1 7 itfONTHI'•y s+ • A payment pf B 1 g 96 : 1 A ' 'will be due unpaid balance of principal and interest will be due thereafter: The final payment of tha entire MARCH Y4 2nhg below Borrrrow r IOrrew bl su?th di es Oche prroSthono ary, c ark Pornanvf eiiti ddf:o?neto all other remedies and Aghte' pveflable to you,. by elantna .m „o, Q81 „v ue c8, fees eesea a einat me for arty unpaid principal, eocrued 1rlterest er1d, accrued charges du on this note ape and understand and reasonaattorneY f up to 15 percent. of the judgment, The. exercise of the ppoower to confess Judgmennt will-not exhaust this warrant of authority to confess Jud merit end may be done ea often as you elect. I. further understand that my property me be seized without prior notice to uatlsfy tie debt owed. ISknowi tntentlo nnallyd1 the and valuhterlly,w consequences eive this any end all constitutional rights Property to pre deprlgation :notice and hearing 1 of waiver --------------- AD RMS: IN INCORPORATED IN THIS. NOTE IS A COMMITMENT LETTER DATED FEBRIIARY 142003 WHICH CONTAINS-ADDITIONAL;'TERMS 'AND`-CONDITIONS. PURPOSE: The purpose of this loan is ClinRg. TOII R ato wnaunan FOR RA SIGNATURES V AGREE TO THE TERMS OF THIS NOTE (INCLUDING )® SECURITY: This note is separately secured by (describe separate THOSE ON. PAGE 2): l hove received a copy on today's date. document by type end. date) MERMAID CAR. WASH , MORTGAGE & SECM:ETY'AGREF.MEtdT, DA 3/14/.63 (This section Is for.YOUr Mural use. Fe9uro to est e - - . sonemsm ww not sewn thb m.j seperne -curry document does not mean ale :,. Jg .. T YI+OR.r ,PROPRIETOR _ Signature for Lender SCOTT A MILLER FORM a UNIVERSAL NOTE 01994, 7991 eenkere Systems, Inc., St. Ckud, MN Form UN-PA 3!7/2002 qy tl?? ?' c trl !Page r of 21 DEFINITIONS: As used on. page. 1, "®" mean t terms .that apply .to this loan. "I,' 'me' or "my' means each Bono, .,r.,who signs this.note and h'vth If my right to recallrE. ley from you is also owned by someone who .. has not agreed to pay v..a note, your right of set-off will ap l to eac er portion or legal entity (including guarantors, endorsers, and suretles) who agrees to.pay this note (to ether refer ed t " " p y my - Interest' In the obligation and to any. other amounts I could withdraw on ` g r o as us ). DU'. or 'your" means the Lender and its successors and assigns.. APPLICABLE LAW: The law of the state of Pennsylvania will gover thi my, sole request or endorsement. Your right of setoff does not apply to an account : or other obligation . where my rights are only as a e i e . n s note. Any term of this note which is contrary to applicable law will not be effective, unless the saw permlts you and me to a ree t h i r presentat v : It also does of apply to any individual Retirement .' Account br: other tax-deferred retirement account: , g o suc a var ation. If any provision of this agreement cannot be enforced according to its terms, this fact will not affect the enforceabilit of the ram lride of' h You will not be liable for the dishonor of any check when the dishonor . `occurs because you sat off this debt against any of my accounts. 1 agree h y a r t ie agreement. No modification of this agreement.may be made without-your express written consent. Time is of the essence in this agreement Any i : to., old-you harmless from any, such: claims arising as a result of your ::. exercise If your.right of set-off; '.: REAL.ESTATTEE OR RESIDENCE SECURITY: It this note is s d b prov sion that appoints you as an agent Is not subject:to the provisions of ction 5601 at seq. (Chapter 68; Decedents; Estates and 20 Fid i i C. ecure y real estate -or a residerioe that Is personal. property, the existence of a default ' and your remadles.for such a default. will be determined b a li bl uc ar el es By exercising any of your rights under this note, you do so for your sole benefit y pp ca e .`law, by the terms of any separate Instrument creating the security . COMMISSIONS OR OTHER REMUNERATION:.I understand and agree that an Insurance premiums paid to Insuranc i Interest and, to. the extent not prohibited by law and not contrary to the . terms of the separate security instrument, by the 'Default' and " 'R e compan es as part of this note will Involve money retained by you or paid beck to you as commissions or other remuneration emedies " par sphs herein, DEFAULT: I wil In default if any one or more of the following occur: . In addition, I understand and agree that some other payments to third parties as part of this note may also involv 0).I fall to make a payment on time or in the amount due; (2) 1 fail to keep the property insured, :1f required; (3) 1 fail to pay, or keep any i e money retained by you or paid beck to you as commissions or other remuneration. prom se, on any debt or agreement I have with you; (4) any other creditor of mine Attempts to collect any debt 1 owe him th h PAYMENTS: Each payment I make on this note will first reduce the amount I owe you for charges which are neither Interest nor principal. Th roug court pro- . ceedings; 15) 1 die, am:declered Incompetent,. make an assignment for the ... benefit of creditors, or become Insolvent (either because m li bili i e remainder of each payment will then reduce accrued. unpaid interest, and then unpaid principal. If you and I agree to a'different application of y a t es ex- need my assets or I am unable to pay my debts as they become due); (6) I make.any written statement or provide a financi l I f i payments, we will describe our agreement on this note. I may prepay a part of, or the. entire balance of this ban without penalty unless we ny a n ormat on that Is ` untrue or inaccurate. at the time It was provided; (7) 1 do or fail to do .8dmetidng. which causes you to bes)av . th t , pacify to the contrary on this riots. Any partial prepayment will 'not' excuse or reduce any later scheduled payment until this note is paid In full : e a you will have, difficulty '.collecting the amliunt.l owe. you; (8) any collateral securing this note Is used in.e manner or fora purpose which threatens fi i runless, when I make the prepayment, you and I agree In writing to.the' contrary) con scat on by a legal 'authority; (9) 1 change my name or assume an additional name without . INTEREST: Interest accrues on the principal. remaining unpaid, from time to time, until paid In full. If I receive the principal in more than one first notifying you before making such a change; (10) 1 fall to plant, culti- vats and harvest crops in due season; (111 any loan proceeds are used for a purpose that.wlll contribute to excessive erosion of hi hl r dibl advance, each advance will start to earn Interest only when 1 receive the advence. The interest rate in effect on this note at any given time will apply to the entire principal advanced at h t N i g y e o e I? or ur Vie explai ersion of ed 17 wetlands to produce an agricultural commod-Ity, RE as further explained C.F.R. Part 1 Subpart G, Exhibit REMEDIES If I i d t a me. t otwithstanding anything to the contrary, 1 do. not agree to pay and you do not Intend to l you : am n. afaut on this note you have, but ere of limit to, limited the following remedies: charge any rate of Interest that Is higher. then the maximum rate of interest you could charge under applicable law for the extension of credit .. (1) You may demand Immediate payment of all I owe you under this note (principal, accrued unpaid interest and other accrued h that Is agreed to here (either before or after maturity). If any notice of Interest accrual is sent and is in error, we mutually agree to correct it, and if you actually collect more interest th ll e c arges). (2) You, may.. sit off this debt against any right I have to *the payment >,_.` .r .. of money from, you, subject to the terms of the "Set-Off' ara raph h i an a ow d by law and this agreement, you agree to refund It tome. INDEX RATE: The Index will serve only as a device f i g p , ere n. (3) You may demand security, additional security, or additional parties to be obli ated to hi or sett ng the rate on this note. You do not guarantee by, selecting this index, or the margin g . pay t s note as a condition for not using any other remedy.. , that the rate on this note will be the same rate you charge on any other loans or class of loans to me or other borrowers, (4) You may refuse to make advances to me or allow purchases on credit by me. ACCRUAL METHOD: The amount of interest that I will pay on this loan 15) You may use any remedy you have under state or federal law will be calculated using the Interest rate and accrual method stated on page 1 of this note. For the purpose of interest calculation, the accrual . >BV selecting any one or more of these remedies you do not give up Your right to later use any other remedy. By waiving your right to declare method will determine the number of days in a 'year." If no accrual method is stated, then you may use any reasonable accrual method for calculatiInterest an event to be a default, you do not waive your right to later consider the event.as d default If It continues or happens again. COLLECTION COSTS AND ATTORNE . POST' MATURITY RATE: For purposes of deciding when the 'Post " . Y S. FEES: I agree to pay all costs of collection, replevin or any other or similar type 'of cost if I am in default Maturity Rate (shown on page 1) applies, the term 'maturity' means the earliest of the following: la) the date of the last scheduled m t i ca ` . . In addition; If you hire an attorney to collect this note, I also agree to pay any fee you Incur with such attorney plus court costs (except where 'rohibited by law) To h t pay en ndi ted on page 1 of this note ., t e ex ent permitted by the United States Bank Co ; (b) the date you accelerate payment on the noteor (c) after the entry of judgment on this note by confession or otherwise and applies to amounts d d ruptcy de, l also agree to ay the reasonable attorney's fees and coati you incur, to collect this debt as awarded by any court exercising i{uriIVER: Iunder file Bankruptcy Cede; . hts (t ri th ""'Arv?' give up m owe un er this note on any such ?udgment until paid in full. SINGL ADVANCE LOANS: If this Is a single advance l o a d y g o e extent permitted by law) to require you to do certain.things. I will not require you to: (1) demand payment of amounts due (presentment) , oan, y u n I expect that you will make only one advance of principal. However you ; (2). obtain ot ciel certification of nonpayment t); or (protes , may add other amounts to the principal If you make any payments described in the 'PAYMENTS BY LENDER' paragraph below. i (3) give notice that amounts due have not been paid (notice of not been ". .. 'dishonor). MULTIPLE ADVANCE LOANS: If this Is a multiple advance loan; you and I expect that you will make more than one adv f i I weave any defenses I have based on suretyship or impairment of reL . ance o pr ncipal. If this is closed and credit, repaying a part of the principal will not entitle' me to 013LIG OBLIGATIONS INDEPENDENT: I understand that I must pay this note additional credit. ADVANCE PROCEDURE AND MEANS: You will advance the loan even if someone 'else has also agreed to pay It (by, for example, signing this form or a separate guarantee or endorsement). You may sue me proceeds by way of check, cash, wire transfer, credit to an account or any combination as You and I agree. The advance(s) will occur upon alone, or enyo collect else who is obligated on this note, or any number of us ether, to o do so an that it o 1 th e consummation of the loan and as You and I agree, except that no advance(s) will occur until after three business days from the date of has riot been paid (notice of 1 ho or Y ou may without notice release any. party to. this agreement without releasing any other party. If you give consummation if the loan is rescindable pursuant to. Regulation Z (12 C.F.R. 3 226). up any of. your rights, with or without notice, It will not affect my duty to pay this note: Any extension of new credit to any of us or renewal of PAYMENTS BY .LENDER: It you are authorized to pay, on my behalf, charges I am obligated to pay (such as propert insura i , this note by all or less. than all of us will not release me from my duty to pay (t. (Of course',. you are entitled to only one payment in tu11 ) 1 a ree y nce prem ums), then you may treat those payments :made by you as advances and add them to the unpaid princi al und thi . g that you may at your option extend this note or the debt represented by this. note, or any pordon of the note or debt from tim t ti i h p er. s note; or you may demand. immediate payment of the charges. SET-OFF: I agree that you may set off an amo d e n a , , e o me w t out iimit:or notice and for any term without affecting my liability for payment of the note. I will not assign my obligation under this a reement with y unt u a d p yable under this note against any right I have to receive money from you. Right to receive money from you' mea g out your prior written approval. FINANCIAL INFORMATION: I agree to provide you upon re uest ns: 11) any deposit account balance I have with you; (2) any money owed to me on an hem presented t r , q , any financial statement or Information you may deem necessary. I warrant that the financial statements and Information I provide to you are or will o you o In your possession for collection or exchange; and (3) any repurchase agreement or other nondepoaft obligation. be accurate, correct and complete. NOTICE: Unless otherwise reqquired by law, any notice to me shall be given b d li i Any amount due and payable under this note' means the total amount of which you are entitled to demand payment under the ter f : y e ver ng ft or by me ling it by first class mail addressed to me at my last known address. My current address Is on page 1. 1 agree to i f ms o this note at the time you set off. This total includes any balance the due date for which you properly accelerate under this t n orm you in writing of any change in my address. I will give any notice to you by mailing it first class to your address stated on page 1 of this no e. agreement, or to any other address that you have desicnated. DATE OF TRANSACTION PRINCIPAL ADVANCE BORROWER'S -INITIALS (not requir d PRINCIPAL PAYMENTS PRINCIPAL e,4CE -INTEREST ?? INTEREST PAYMENTS INTEREST PAID THROUGH: S S 8 $ $ % S $ S $ % S $ $ $ % $ 8 $ $ % 8 8 $ S % 6 S S $ % $ 8 $ $ % S S S $ % S S $ S % $ S $ $ % S $ %1 $ E7 2I" ' 0 1984. 1991 Bankers Syasms, I--, St. Cloud, MN Form UN-PA 3/7/2002 089e 2 of 2/ sue. y. c'v Q n v ? . 1% SHERIFF'S RETURN - REGULAR CASE NO: 2008-03400 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ADAMS COUNTY NATIONAL BANK VS TAYLOR JEFFREY C ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon TAYLOR JEFFREY C the DEFENDANT at 1623:00 HOURS, on the 6th day of June 2008 at 110 PENNSYLVANIA AVENUE CAMP HILL, PA 17011 JEFFREY TAYLOR by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Postage Surcharge 611,F16 F ?-- 18.00 15.00 .59 10.00 .00 43.59 So Answers: r. y. a R. Thomas Kline 06/16/2008 ADAMS COUNTY NATIONAL 9NNK Sworn and Subscibed to By: before me this day of A.D. 1% SHERIFF'S RETURN - REGULAR CASE NO: 2008-03400 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ADAMS COUNTY NATIONAL BANK VS TAYLOR JEFFREY C ET AL SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon TAYLOR VALERIE C the DEFENDANT , at 1209:00 HOURS, on the 14th day of June 2008 at 334 EAST MEADOW DRIVE MECHANICSBURG, PA 17055 VALERIE TAYLOR by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge c.// P16 y ?- Answers: So 6.00 10.00 .00 10.00 R. Thomas Kline .00 26.00 06/16/2008 BANK ADAMS COUNTY m I0 r 4 Sworn and Subscibed to before me this of By: day Deu Sher A.D. l/ 0 Barbara Sumple-Sullivan, Esquire Supreme Court #32317 549 Bridge Street New Cumberland, PA 17070 (717) 774-1445 ADAMS COUNTY NATIONAL BANK, Plaintiff V. JEFFREY C. TAYLOR and VALERIE, C. TAYLOR, Husband and Wife Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-3400 ACTION IN MORTGAGE FORECLOSURE ANSWER OF DEFENDANT. JEFFREY C. TAYLOR. TO THE COMPLAINT IN MORTGAGE FORECLOSURE AND NEW MATTER 1. Admitted. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted in Part, denied in part. It is admitted that the mortgage secured a note executed on March 14, 2008 in the amount of $123,750.00 payable in monthly installments with interest adjusted as per terms of the note. It is admitted that a copy of the note is attached as Exhibit B. It is denied that the note is executed by Defendants' corporation. 1 6. Admitted. 7. Admitted. 8. Admitted. 9. Admitted with the clarification that the loan was timely paid on a monthly basis through the maturity date for the balloon balance. It is further noted that no notice of the maturity date was provided to Defendant, Jeffrey C. Taylor, by Plaintiff. 10. Denied. It is denied that the following amounts are due and owing pursuant to the terms of the mortgage: a. Admitted b. Admitted in part. Denied in part. It is admitted that interest is allowed to be collected pursuant to the Note and Mortgage. It is denied that interest is due and owing in the amount of $76.48 plus $10.93 per diem thereafter. Defendant, Jeffrey C. Taylor is without sufficient knowledge to form a belief as to the truth of the averment. Proof is demanded. It is averred that the interest should not be greater than $7.75 per diem. 2 c. Admitted in part. Denied in part. It is admitted that late charges are allowed to be collected pursuant to the Note and Mortgage. It is denied that late charges are due and owing in the amount of $5,048.39. Defendant, Jeffrey C. Taylor, is without sufficient knowledge to form a belief as to the truth of the averment. Proof is demanded. It is averred that the late charges should not be greater than $1,196.44. d. Denied. It is denied that other fees are due and owing in the amount of $348.30. Defendant, Jeffrey C. Taylor, is without sufficient knowledge to form a belief as to the truth of this averment. Proof is demanded. e. Admitted in part. Denied in part. It is admitted that attorney's commission are allowed to be collected pursuant to the Mortgage but no formula is included herewith. It is denied that the attorney's commissions in the amount of $3,401.59 are due or that said sum is reasonable. Defendant, Jeffrey C. Taylor, is without sufficient knowledge to form a belief as to the truth of Plaintiff's averment on fees. Proof is demanded. 11. Denied. Paragraph 10 is denied as a conclusion of law to which no responsive pleading is due. 3 12. Denied. Paragraph 12 is denied as a conclusion of law to which no responsive pleading is due. WHEREFORE, Defendant, Jeffrey C. Taylor, requests this Honorable Court enter judgment in his favor. Respectfully submitted, Dated: June 26, 2008 (717) 774-1445 Supreme Court I.D. 32317 Attorney for Defendant, Jeffrey C. Taylor 4 Joy tsnage arreet New Cumberland, PA 17070 Barbara Sumple-Sullivan, Esquire Supreme Court #32317 549 Bridge Street New Cumberland, PA 17070 (717) 774-1445 ADAMS COUNTY NATIONAL BANK, Plaintiff v. JEFFREY C. TAYLOR and VALERIE, C. TAYLOR, Husband and Wife Defendants : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 08-3400 : ACTION IN MORTGAGE FORECLOSURE VERIFICATION I, Jeffrey C. Taylor, hereby certify that the facts set forth in the foregoing Answer are true and correct to the best of my knowledge, information and belief. I understand that any false statements made herein are subject to penalties of 18 Pa. C.S.A. §4904 relating to unworn falsification to authorities. Date: Y TAYLOR Barbara Sumple-Sullivan, Esquire Supreme Court #32317 549 Bridge Street New Cumberland, PA 17070 (717) 774-1445 ADAMS COUNTY NATIONAL BANK, Plaintiff V. JEFFREY C. TAYLOR and VALERIE, C. TAYLOR, Husband and Wife Defendants IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 08-3400 : ACTION IN MORTGAGE FORECLOSURE CERTIFICATE OF SERVICE I, BARBARA SUMPLE-SULLIVAN, ESQUIRE, do hereby certify that on this date, I served a true and correct copy of Defendant's Reply to Complaint in Mortgage Foreclosure, in the above-captioned matter upon the following individual by hand delivery at a hearing held this date, addressed as follows: Edward G. Puhl, Esquire 220 Baltimore Street Gettysburg, PA 17325 Ms. Valerie C. Taylor c/oMax J. Smith, Jr., Esquire James Smit tetterick & Connelly, LLP 134 Sipe. u 7036 DATED: June 26, 2008 Barbara Sumple-Sullivan, Esquire 549 Bridge Street New Cumberland, PA 17070 Supreme Court I.D. No. 32317 (717) 774-1445 Attorney for Defendant, Jeffrey C. Taylor 5 CD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ADAMS COUNTY NATIONAL BANK, No. 08-3400-Civil Term Plaintiff, ; V. JEFFREY C. TAYLOR and VALERIE C. TAYLOR, husband and wife, : Defendants. CERTIFICATE OF SERVICE AND NOW, this 8`h day of January, 2009, I, Edward G. Puhl, Esquire, of Puhl, Eastman & Thrasher, attorneys at law, attorney for Plaintiff, hereby certify that I have this date served Plaintiff's Praecipe for Listing Case for Trial by sending true copies first class mail, postage prepaid, as follows: Barbara Sumple-Sullivan, Esquire Valerie C. Taylor Attorney for Jeffrey C. Taylor 334 East Meadow Drive 549 Bridge Street Mechanicsburg, PA 17055 New Cumberland, PA 17070 Respectfully submitted: PUHL, EASTMAN & THRASHER By Edward G. Puhl, Esquire Attorney for Plaintiff I.D. #55709 220 Baltimore Street Gettysburg, PA 17325 Phone: (717) 334-2159 Fax: (717) 334-0336 Email: edward.puhl@comcast.net cc: Max J. Smith, Jr., Esquire ?v C .?.? cn e ^ ,ter 1 PRAECIPE FOR LISTING CASE FOR TRIAL (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY Please list the following case: ? for JURY trial at the next term of civil court. ?X for trial without a jury. --------------------------------- CAPTION OF CASE --------------_------ (entire caption must be stated in full) (check one) ADAMS COUNTY NATIONAL BANK, (Plaintiff) VS. JEFFREY C. TAYLOR and VALERIE C. TAYLOR, husband and wife, vs. (Defendant) (2 Civil Action - Law Appeal from arbitration (other) The trial list will be called on and Trials commence on Pretrials will be held on (Briefs are due S days before prerWals No. 08-3400 Civil Term 11 Indicate the attorney who will try case for the party who files this praecipe: Edward G. Puhl, Esquire. Attorne ID No. 55709 Indicate trial counsel for other parties if known: Barbara Sumple-Sullivan, Esquire, Attorney ID No. 32317, Att ne for Jeffrey C. This case is ready for trial. Taylor Signed: Print Name: Edward G. Puhl Date: January 8, 2009 Attorney for: Adams County National Bank 4 °c C c.? ?' ; aC ;.ten a N' 4doo, ADAMS COUNTY NATIONAL BANK IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. JEFFREY C. TAYLOR AND 2008 - 3400 CIVIL TERM VALERIE C. TAYLOR, Husband and wife CIVIL ACTION - LAW ORDER OF COURT AND NOW, this 27TH day of JANUARY, 2009, a pretrial conference in the above captioned matter is SCHEDULED for jQ?`i7/r} in Chambers of the A)4 A vo ?e. 117, undersigned judge, Cumberland County Courthouse, Carlisle, Pennsylvania. Pretrial memorandum shall be submitted by counsel in accordance with C.C.R.P. 212-4, at least five (5) days prior to the pretrial conference. EDWARD G. PUHL, ESQUIRE 220 BALTIMORE STREET GETTYSBURG, PA 17325-2314 BARBARA SUMPLE-SULLIVAN, ESQUIRE 549 BRIDGE STREET NEW CUMBERLAND, PA 17070-1931 COURT ADMINISTRATOR B the uf`t , + n ? Edward E. Guido J. h k 4WM COPY FROM RECORD in Tema ww ' ! t" woo SK my hww go SOW SW ©nd * ow". ft. ADAMS COUNTY NATIONAL BANK, Plaintiff V. JEFFREY C. TAYLOR and VALERIE C. TAYLOR, husband and wife, Defendants IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2008-3400 CIVIL TERM CIVIL ACTION - LAW ORDER OF COURT AND NOW, this 13th day of February, 2009, trial in this matter is scheduled for Monday, March 30, 2009, at 9:30 a.m., in Courtroom No. 3 of the Cumberland County Courthouse, Carlisle, Pennsylvania, 17013. ward G. Puhl, Esquire For the Plaintiff By the Court, Edward E. Guido, J. rbara Sumple-Sullivan, Esquire For Defendant Jeffrey C. Taylor /oalerie C. Taylor - Pro se 334 East Meadow Drive Mechanicsburg, PA 17055 Court Administrator - srs V 111"S F C --£ l4d £ 1 813d 60OZ D-IH !I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA j CIVIL ACTION - LAW ADAMS COUNTY NATIONAL BANK, No. 2008-3400 CIVIL TERM Plaintiff, V. JEFFREY C. TAYLOR and VALERIE C. TAYLOR, husband and wife, Defendants. PRAECIPE TO SATISFY TO THE PROTHONOTARY: Please mark the above-captioned matter discontinued, satisfied and forever ended. PUHL, EASTMAN & THRASHER Dated: March 9, 2009 By:_.?t/ v Edward G. Puhl Attorney ID No. 55709 Attorney for Plaintiff 220 Baltimore Street Gettysburg, PA 17325 (717) 334-2159 n _ ??? ? 1't7 ?