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Home My WebLink About04-1512 ORRSTOWN BANK, 77 EAST KING STREET SHIPPENSBURG, PA 17257, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA NO. 2004- I S I ~ CIVIL ACTION v. DENNIS G. DEITCH and SHARON L. DEITCH, husband and wife, 136 GREASON ROAD CARLISLE, PA 17013, Defendants. CIVIL ACTION-LAW 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 an attorney and filing in writing with the court, your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LA WYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE 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 32 South Bedford Street Carlisle, Pennsylvania 17013 (717) 249-3166 ORRSTOWN BANK, 77 EAST KING STREET SHIPPENSBURG, PA 17257, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA NO. 2004- IS'I ~ CIVIL ACTION v. DENNIS G. DEITCH and SHARON L. DEITCH, husband and wife, 136 GREASON ROAD CARLISLE, PA 17013, Defendants. CIVIL ACTION-LAW COMPLAINT NOW, comes Plaintiff, Orrstown Bank, by and through its attorneys, O'BRIEN, BARIC & SCHERER, and files the within Complaint and, in support thereof, sets forth the following: I. The Plaintiff and Mortgagee is Orrstown Bank, a Pennsylvania corporation with a place of business located at 77 East King Street, Shippensburg, Cumberland County, Pennsylvania. 2. The Defendants are Dennis G. Deitch and Sharon L. Deitch, husband and wife, adult individuals who reside at I36 Greason Road, Carlisle, Cumberland County, Pennsylvania. 3. By Deed acknowledged on September 26, 1972, Lester Gerald Thumma and Gayle Ruth Thumma, husband and wife, conveyed the premises described in Exhibit "A", attached hereto and made a part hereof, to Dennis G. Deitch and Sharon L. Deitch. This Deed was recorded in Cumberland County Deed Book "V", Volume 24, Page 253, et seq., all of which pages are incorporated herein by reference and made a part hereof. The premises are further described as being 136 Greason Road, Carlisle, Cumberland County, Pennsylvania. 4. On or about April 7,1995, Dennis G. Deitch and Sharon L. Deitch, as Mortgagors, made, executed and delivered a written Note secured by a Mortgage made, executed and delivered the same day to Plaintiff as Mortgagee on the premises described in Exhibit "A". This Mortgage was recorded in the Cumberland County Office of the Recorder of Deeds on April 12, 1995, at Cumberland County Record Book 1258 Page 462, et seq., all of which pages are incorporated herein by reference and made a part hereof. 5. A true and correct copy of the aforesaid Note is attached hereto and made a part hereof as Exhibit "B". A true and correct copy ofthe aforesaid recorded Mortgage is attached hereto and made a part hereof as Exhibit "C". 6. Defendants have defaulted under the terms and conditions of the Mortgage and Note by failing to make payments due December 12, 2003, January 12,2004, February 12,2004 and March 12, 2004. 7. Defendants are the present record owners ofthe premises described in Exhibit "A' and are the real owners of the premises. 8. Plaintiff served Notice of Plaintiffs Intention to Foreclose and Act 91 notice to the Defendants via certificate of mailing on or about February 13, 2004. 9. Attached hereto and marked Exhibit "D" are true and correct copies of the combined Notice ofIntention to Foreclose and Act 91 Notice mailed to Defendants. 10. Attached hereto and marked Exhibit "E" is a true and correct copy of the certificate of mailing for the combined notice. 11. The original principal amount ofthe Mortgage was $68,500.00. 12. Under the terms ofthe Mortgage and Note, if any monthly payment of principal and interest is not made when due or any other obligations of the Note or Mortgage is not met, then the entire indebtedness owing on the Mortgage and Note obligation shall become due and payable immediately at the declaration of the Mortgagee. 13. Plaintiff, as Mortgagee, has exercised its option and declared the entire unpaid balance of principal and interest as immediately due and owing. 14. The following amounts are presently due on the said Mortgage and Note calculated to March 16,2004: Principal $57,583.78 Interest to 3/16/04 (per diem $11.51) $ 1,488.27 Late Charge $ 845.56 Reasonable attorneys fees fixed by Plaintiff for purposes of this Complaint (5% of principal debt) $ 2,879.18 TOTAL: $62,796.79 WHEREFORE, Plaintiff demands judgment in Mortgage Foreclosure in the sum of $62,796.79, plus interest thereafter at the contract per diem rate from March 16, 2004, and costs and expenses against the Defendants, Mortgagors and real owners and seeks foreclosure and Sheriff's Sale of the mortgaged property in Exhibit "A". Respectfully submitted, O'BRIEN, B~RIC ~"Zl David A. Baric, Esquire J.D. 44853 19 West South Street Carlisle, Pennsylvania 170 I 3 (7 I 7) 249-6873 Attorney for Plaintiff, Orrstown Bank dab.dir/orrstownbankldeitch/foreclosnre.pld MAR-23-2004 rUE 11:36 AM LOAN/FINANCE 03/23/2004 11:24 7172495755 FAX NO. 7175324099 p, 09/09 PAGE 07 CBS VEllmCAnON The statemcDts in tIw foregoing Complaint _ bued upon intbrmation which has beet1 BSsemllled by m.y anomey in this IltiIlltiOD. The Ianauase ofthe stlIlements is not my own. 1 have read the statements; and to the extellt that they are based upoII information which I hive given to my cOIIDSCI. they are ll'IIe and correct to the beat of m.y knowledse. information and belief: J under8ta!ld that talse SlAtementll herein all'! made lSUbje<< to the pellalties of 18 Pa.C.S. ~ 49(14 relatiJlg 10 UllSworn fjUsi:lieatiolL'l to authorities. DATB: -.3. ';). 3 0 'f ~~. q.,~ Bet}y 1. Smith, Collector , r..;. ~.;:.~ .,~ ";--:. '. \ i I , t .- l.. ; i \ ~k/ .oI'I~T_lI'.__LF DoooC. ...... r- A..., 1.....-..".--' .........--..... ........, 11....'....1..-- r.. IUCOllO[;l.:"rcr ~ b """'.....' 'tnl~E"Ll ", tt ,Str &"1% tlCb i~ "P\ MADB THB ;l.. ~ <lA. OJ 01 Oftr lAnl emf tlOlUAd mllf hu1tJrld seventy-two September (1972) its tM vt BETWEEN LESTER GERALD THUMMA and GAYLE HUTH THUMMA, his wife, or R. o. ~t Carlisle. Cumbe~land County, Pennsylvania, hereinafter called. Gnuttcwf and DENNIS G. DEITCH and SHARON L. DEITCH, his wife, or R. D. 1, Shippensburg, Cumberland County, Pennsylvania,'hereinafter called Grrutle. s WITNESSETH, tAGt in ermIUltlratlora 01 Thirty-Nine Hundred And 00/100------- --------------------------------($3. 900, OO}--------___ -------~UGn in A4M pclid, Ua. t'fuipt wntrUl " ,.""6, ock~l1ed., a. l4id grantor S do bnbv #f'(Jft sad co.v" to tAl laid "rut..; their heirs and assigns, 8S tenants by th entireties. f ALL that certain tract of land situate 1n West Pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron p1n 1n the center line ot L.R. J21034 1ead1ng from Plainfield to Greason. which pin Is North 4 degrees ~8 minutes East 210 feet trom the center I1ne of Township Road IT-1I116; thence by other land or Lester Gerald Thumma and wife, North 85 degrees 12 minutes West 210 feet to a stakej thence by the same, North ~ degrees 48 minutes East. 195 feet to a stake; thence by the same. South 85 degrees 12 minutes East, 210 feet 'to a p1n in the center line of L.R. 12103~; thence by the center line'of said road, South 4 degrees ~8 minutes West, 195 feet to the Place of Beginning; Contatnl~g 1I0,950 square feet and being described according to a survey thereot by Noel B. Smith. R.S., dated Sepbember 8, 1972, a copy of which is attached hereto as a part of this deed. BEING subject to a building set back line which is 40 teet West or the proposed right or way line or L.R. '21034, which latter line 1s 25 teet West ot the ex1sting center l1ne of Bald road. eoo,;..i 2.4rl&! 253 E.XItIBI1 'Ii' BEING part or Tract No. 1 1n the .deed of Carl t. Shenk and Mary Lea Shenk to Lester Qerald and Cayle Ruth Thumma, dated AUgU3t 3l3t, 1967, and recorded 1n the Ott1ee ot the Recorder or Deed3 for Cumberland County 1n Deed BOOK "M", Vol. 22, page 281. t ~~ I I ~. ~~ I ~ l>^, ! ~ ~~ , \\) <:l ~ ~ ~~ ~- .~ ~ .~ ~~ ~ ~ 'I ~ ~ h~ ~ ' ~ t ,~~ ~ ~ ~~ ~ I ~ - /: ....-e~..u..... 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I i~. . i '~ 'i.J ,., \.' . ; r. ~ . ~ IN\: ,Xi I~ ',', ~ ~ ,,: . ~ I~ ~ I'\; ~ I . , , ; '-l .~ ~ ~ ~ ! i I i ~ \~ "; --:.:...-----:~-r AND Ua, Hid IJ'UIU07S I&cnbr """t7t4al ud Gg"" tAd they wiU IDGrn&nt generallY' th, 1"'OP'"1I IIercbr COIIvqed. "'.'l'~~';'~.. ~'.;."i"'"l".l... ~1~':.:"'.-'jq;lll( ~!F.::.'~:' :.'i.:.iii'..... ;'; ~ ,\I<..;..H !: ~"'n~; ."';,1' ; . ,'\." "4' .~: ,1...'~ ~ ~',~' ~' [.' . ',~~.~ f. ),':I.E- I.:'; I'(~ ;-;" ~.~" ,~;:I-I fi" :0-1 .' -\;/iJI.:'J1,.', '1\'0i11 " hl:j . '.#\ill1 IH{:,,'kI '. -~- ';; I::'~ ' " / ' j{/~.-I("..?,~".., ..:.;.:) --I Cf).-4.'-- ,._~..;,.I ..................... , '. '/ Cumb. Co.. P.. licltool 'Did. C~mb. C~.. P.. '" 1..1 hI." t..~.f.. t.. "I ,.)~ Itl.{]d '.. ..f/;...?....... ,...!...t:...... 'lhf.,J.;..a-, ",r _1o.C..I>>oI.c.t.,.wf.,.1c;;. --'4 h.. 1,10,. t....f.. T., ~ . "~'I-?"" J" S" ".f"...:.7y...... _t J.l.r-- ct<,.(......~/.P.d...,,~.7 C_...C..Olot.c.t....fr\... / IN WITNESS WHEREOF, Hid p~fltoJfJ have Alr,unto.t!t their hands end "au "" d411 autll'ccr jirlt above w,;tt~ (.PJL ~ .t1~.d..tr.ld'.II.;IlrUIlf' ~J~A".._.......__..~ 7f~ . ~ --.::4I^'ytf:'i{8~'f.~iJ~'i4~''''~':.'~'''M'-'~ .e - ~ Stat, 01 PENNSYLVANIA c...,. ./ CUMBERLAND C) If On thu. thll oL V fla1/ 01 }... September .1972 . belore me; tAc untler.ilMfl officer, pfr.oftClll1/lJppCA,"" Lester Ger.ald Thumma and Gayle . Ruth Thumma, his wife, knOWfl to mil (or MJtil'"torU1/ proven) to b. th, ",,.,ons Who'll namlS are fllb.erib.d to tA, ..within ~t"""ent. au tJelmtnuledged t4tzt they .zecuted .lIm,/ar th, purpotu tAerri" y,-","'.... '., :..":7"'Yo'! ,.....;; ...~\~ ...... I" " ,....o() -.;., '1N;'rl7'~~SS WHEREOF, 1 MMUlto .et and aM ojJicial .teIl. 't':r'. '~"~ ~ 'u ,.: .1\. ~ . :.;.::~~,~l' i __m_' ..-.... :.Y.I...._...... ..._.__..__.~ (' ,. .'; ..!)' IOCElIB.IIW 'or"RYPU8LIC .Z.... 1""'," .. CARLISlE 9Oll0tlGH.lltl".et1l~COO"1Y"'"-""""--""'-"'-'-""'-'" ".. .,~ lIlT COMMISSJm. UI'UIU OCT. 3. li12 Title of Officer. ~ I dlJ It.erebll tertiI)( ~44t the precue rc"idtnce and cll?f'tl. pod offiCI addre" 01 tA, .citAj" Mmed qramees u 1Vf) I ~ V/H September ~V 7(.1972 I .'.'!E:~~ Attonu]/' lor ..Gr.a.n.t.e.ea._...._.....____.__..... BOOKY 24rACE 255 PROMISSORY NOTE 1_ _;i~~.~_. \.~~~~-~.!~! O~~~~~~Oj_L~:~~ .l_~~J~~'~:~~ra'l_ Account _e~~1Initia'8 I References in the shaded area are for Lender's use only and do not limit the applicability of this documenl to an(Cu;;-p- . '-y-' - -,-1 Borrower: DENNIS G. DEITCH (SSN: 194-42-9752) Lender: ORRSTOWN BANK U SHARON L. DEITCH (SSN; 17~353) STONEHEDGE OFFICE 136 GREASON RD. 427 STONHEDGE DR. CARLISlE, PA 17013 CARLISLE.. PA 17013 Principal Amount: $68,500.00 Date of Note: April 7, 1995 PROMISE TO PAY. I promise 10 pay 10 ORRSTOWN BANK ("Lender"), or order,ln lawlul money ollhe United Slales 01 Amerlca,lhe prlnclpal amounl 01 Sixty Elghl Thousand Five Hundred & 001100 Dollars ($68,500.00), together with Inleresl on the unpaid principal balance from April 12,1995, until paid In lUll. The Inleresl rale will nollncrease above 13.500%. PAYMENT. SubJecllo any paymenl changes resulllng Irom changes In the Index,l will pay this loan In accordance with the Iollowlng paymenl schedule: /" 12 consecullve monlhly prlncipal and inleresl paymenls 01 $p06.21 each, beginning May 12, 1995, with Inleresl calculaled on Ihe unpaid prlnclpal balances al an Inleresl rale 01 7.500% per annum; and 288 consecullve monthly principal and Inleresl paymenls In Ihe Inlllal amounl 01 $579.52 each, beginning May 12, 1996, with Interest calculated on the unpaid prlnclpal balances al an Inleresl rale 01 2.750 percentage polnls over the Index descrlbed below. My final paymenl will be due on April 12, 2020 and, will be lor all principal and accrued Inleresl not yet paid, togelher with any olher unpaId amounls under Ihls Note. Interest on Ihis Note is compuled on a 301360 simpie Inlerest basis; thai is, with the exception of odd days In the first payment period, monthty interest is calculated by applying the ratio of the annual interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by a month of 30 days. Interest for the odd days is calcuialed on the basis of the actual days to the next fuli monlh and a 36O-<lay year. I will pay Lender at Lender's address shown above or at such other place as Lender may designate In writing. Unless otherwise agreed or required by applicable law, payments will be applied first to accrued unpaid interest, then to principal, and any remaining amount to any unpaid collection costs and late charges. VARIABLE INTEREST RATE. The Interest rate on this Note is subject to change from time to time based on changes In an independent index which Is the Weekly average yield on Ihe Uniled Slates Treasury Securities. (the "indax"). The Index is not necessarily the lowesl rate charged by Lender on Its loans. If the Index becomes unavailabie during the term of this loan, Lender may designate a subslitute index after notice to me. Lender will teil me the current Index rate upon my request. I understand that Lender may make loans based on other rales as well. The interest rate change will not occur more often than each Year. The Index currenlly Is 6.390% per annum. The Inlerest rale or rales 10 be applied to the unpaid principal balance 01 this Nole will be the rele or rales sel forth above In the "Payment" seclion. Notwlthslandlng any other provision "ollhls Note, the variable inleresl rale or rates provided lor In Ihls Nole will be subjecl 10 Ihe following minimum and maximum rales. NOTICE: Under no circumstances will the interest rate on this Note be less than 7.500% per annum or more than the lesser of 13.500% per annum or the maximum rate allowed by applicable law. Notwithstanding the above provisions, the maximum increase or decrease in the interest rate at anyone time on this loan will not exceed 2.000 percentaga points. Unless waived by Lender, any Increase In Ihe Inlerest rate will Increase the amounls 01 my payments. PREPAYMENT. I agree that ali loan fees and other prepaid finance charges are earned fully as of the date of tha loan and will not be sUbject to refund upon early payment (whether voluntary or as a result of default), except as olherwise required by law. Except for the foregoing, I may pay without penalty all or a portion of the amount owed earlier than It is due. Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule. Rather, they will reduce the principal balance due and may result in me making fewer payments. LATE CHARGE. If a payment is 16 deys or more lale, t will be charged 5.000% ollhe regulerly scheduled payment. DEFAlJ..T. I will be in default if any of the foliowing happens: (a) I fail 10 make any paymenl when due. (b) I break any promise I have made to Lender, or I fail to comply with or to perform when due any other term, obligation, covenant, or condition contained in this Note or any agreement related to this Note, or in any other agreement or loan I have with Lender. (c) Any representation or statement made or furnished to Lender by me or on my behalf is false or misleading in any material respect either now or at the time made or furnished. (d) I die or become Insolvent, a receiver Is appointed for any parl of my properly, I make an assignment for the benefit of creditors, or any proceeding is commenced either by me or against me under any bankruptcy or inSOlvency laws. (e) Any creditor tries 10 take any of my properly on or in w~ich Lender has a lien or security interest. This Includes a garnishment of any of my accounts with Lender. (I) Any of the events described In this default section occurs with respect to any guarantor of Ihis Note. If any default, other than a default in payment, is curable and if I have not been given a notice of a breach of the same provision of this Note within the preceding twelve (12) months, it may be cured (and no event of default will have occurred) if I, after receiving written notice from Lender demanding cure of such default: (a) cure the default within fifteen (15) days: or (b) if the cure requires more than fifteen (15) days, Immediately initiate steps which lender deems in Lender's sole discretion to be sufficient to cure the default and thereafter continue and complete all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. LENDER'S RIGHTS. Upon default, Lender may, after giving such notices as requirad by applicabie taw, declare the entire unpaid principal balance on this Note and ali accrued unpaid inlerest immedialely due, and then i will pay that amounl. Lender may hire or pay someone elsa to help collect this Note if I do not pay. I also will pay Lender that amount. This includes, subject to any limits under applicable law, Lender's a"orneys' fees and Lender's legal expenses whether or not there is a lawsuit, including atlorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modlfy ~ vacate any automatic stay or injunction), appeals, and any anticipated post-judgment collection services. If not prohibited by applicable law, I also Will pay any court costs, in addition to all other sums provided by law. If Judgment is entered In connection with this Note, interest will continue to accrue on this Note after judgment at the interest rate applicable to this Note at the time judgment is enlered. This Nole has been delivered 10 Lender and accepled by Lender In Ihe Commonwealth 01 Pennsylvania. If there Is a lawsuit, I egree upon Lender's request 10 submit 10 the jurlsdlcllon ot the courls 01 CUMBERLAND County, Ihe Commonwealth 01 Pennsylvania This Nole shall be governed by and conslrued In accordance wtlh Ihe laws of Ihe Commonwealth or Pennsylvania. RIGHT OF SETOFF. I grant to Lender a contractual possessory security interest in, and hereby assign, convey, deliver, pledge, and transfer to Lender all my right, title and interest in and to, my accounts with lender (whether checking, sa'vings, or some other account), including without limitation all accounts held jointly with someone else and all accounts I may open in the future, excluding however al/ IRA, Keogh, and trust accounts. I authorize lender, to the extent permitted by applicable law, to charge or setoff all sums owing on this Note against any and all such accounts. COLLATERAL. This Nole is secured by a Mortgage dated April 7, 1995, to Lender on real properly iocated in CUMBERLAND County, Commonwealth [)(fllBI7 . B' '14~7-1995 Loan No PROMISSORY NOTE (Continued). Page 2 of Pennsylvania, all the terms and conditions of which are hereby incorporated and made a part of this Note. GENERAL PROVISIONS. Lender may delay or forgo enforcing any of ils rights or remedies under this Note without losing them. I and any other person who signs, guarantees or endorses this Note, to the extent allowed by law, waive presentment, demand for payment, protest and nollce 01 dishonor. Upon any change in the terms of this Note, and unless otherwise expressly slated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that Lender may renew or extend (repeatedly and for any length of time) this loan, or release any party or guarantor or collateral; or impair, fail to realize upon or parleet Lender's securlty Interest In the collateral. All such parties also agree that Lender may modity this loan without the consent of or notice to anyone olher than the party with whom the modification Is made. The obligations under this Nole are joint and several. This means that the words '", "me", and "my" mean each and all of the persons signing below. PRtOR TO SIGNtNG THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD AU. THE PROVISIONS OF THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS AND THE NOTICE TO COSIGNER SET FORTH BELOW. I, AND EACH OF US, AGREE TO THE TERMS OF THE NOTE AND ACKNOWLEDGE RECEIPT OF A COMPLETED COPV OF THE NOTE. ~i;;~)1"'~J4i~_Ein,@M!li:WWf~I ~fl.~"i x~~f~~ - SHARON L DEIl'cilq. .. m .. .. WMWf.~fj NOTICE TO COSIGNER You are being asked to guarantee this deb!. Think carefully before you do. If the borrower doesn' pay the debt, you will have to. Be sure you can afford to pay If you have to, and that you want to accept this responsibility. You may have to pay up to the full amounl of the debt If the borrower does nol pay. You may also have to pay lale fees or collection costs, which Increase this amount. The lender can collect this debt from you without first trying to collect from the borrower. The lender can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt Is ever In default, that fact may become a part of YOUR credit record. This nollce Is not the contract that makes you liable for the deb!. Variable Rate. Installment. LASER PRO, Reg, U.S. Pat. & T.M. Off., Ver. 3.20 (c) 1995 CFI ProServlces, loe. All rIghts reserved. [PA-D20 284.LN Rl.0VL] R~cL{"ON ~1Q:t:::: --1-11->- oR.STOWN aAN. J 4V STONHEDGI! OR. CARliSLe.. PA 17013 :;,-::'!:t:r". ZI~CLER R[CCRe~R OF DEEeS t!JMDUlL.'NJ COUrlTY-eA WHEN RECORDED MAIL TO: OARSTOWN BANK 427 STDNHEDGE DR. CARLISLE" PA 17013 '95 flPIf 12 RM! 17 C(Q)[PY SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ON.Y MORTGAGE THIS MORTGAGE IS DATED APRIL 7, 1995, between DENNIS G. DEITCH and SHARON L. DEITCH, who.. address is 136 GREASON RD., CARLISLE. PA 17013 (referred to below 88 "Grantor"); and ORRSTOWN BANK, whose address Is 427 STONHEDGE DR., CARLISLE" PA 17013 (referred to below ,a "Lender"). )~ GRANT OF MORTGAGE. For valuablf conakferalloll, Granlor grant., lHltg.!nI. Mila, convey.. ....P. Iran,ler., rei....., con"rm. It'd mOr1gag" 10 Lend... all of Granlor'. righi, title, and inler" in and 10 the follOWIng de$CfItIed real prQperfy, 10QfI1,* wilh all ..ling ()f $Ubwql>>nUy 8f&C1atl ()f aftbted bulk:llngs. Improvements and ftxIum; .1 ......ts. lal'l8S, alleys. passages, aod ways; d NMlMnts, r1Qhl' of way, aU /lbertIeI. privileges. lenements, heradltaments, and appurtenanc. th8nlunto b8Ionglrlg 01 anywlM 1h8d8 ,ppurl8Nnt h8r..n., and 1"- ra~ and remalndeB wllh respect lh4lralo; aM water, walW rights, watercourses and ditch rights (Including stOCk In ullUlIN with dllCh Of Irt\g.ltion rights); 'nd .. olher' rights, royaltia., and profits r....Ung to lhe rut properly, including without limltallon 11II m1nerall, Oil, gas, ~Ihermal and similar malters, located In CUMBERLAND County, Commonwealth of Pennsylvania (the -Real Property"): See attached The Real Property or Ita addre..la comll1Dnly known II 136 GREASON RD., CARLISLE, PA 17013. GranIer presel'lUy asslgl'lS 10 Lender 'U 01 Grantor't righi, tille, and Intereslln and 10 aN leases 0' the Propwty and an Aents from the Property. In addItion, Grantor grants to lendet a Uniform Commetelal Code security lnlatesl In the Personal ProF*1Y.net Rents. DEFINITIONS. The following words .1'1I.1 I'II.ve the fOllowing meanings wf\e,n UHd In Ihls Mortgage. Terms not olhwwlsa defined In this Mortgage shall ha~ Ih. meanings allribu'-d 10 such lerms In the Uniform Commarcial Coela. All referer1Cft 10 dollar amounlS shan mean amounls In rawlul money of the Unil&d Statas 0' America. Granlor. The word "Otantor" means DENNIS G. DEITCH and SHARON L. DEITCH. The Gr.nlor II the mortgagor under this Mortgage. GUM,nfO(. The word "Guaranlot' means and Includes wllhout UmllaUon each and an 0' the guarantors, surtlles, and accommoclaUon parties In conneclion wllh the Indebtedl'l8$s. Improvemenls. The word 'mprovemenlS~ means and IncludeS wlthoul Uml1allon all existing and fulure Improvements, lIxlures. buildings, structures, mobile hOtna$ affiXed on the AMI Property. f.c:ilities, additions. replaC41menls and other oonstrucllon on lhe Real Property. Indebledneu. The word 'ndabtedness- means all principal and Inlnsl payable under" lhe Not. and an)' .mounlS expended or advanced by Lender 10 dl3charge cbligaUons 01 Granlor or expenses Incurred by lend<< to en/()(C8 Obligations 01 Granlor under lhis Mottoage, together with Inler8$1 on such amounls as prO\llded in lhiI Mortgage. lender. Tf18 word "Lender- means ORRSTOWN BANK, lis successors and assigns. The lander is lhe rnotfgagef underthls Mortgage. Mortgage. The word "Mortgage- means this Mortgage belwMn Granlor and lender', and Includes wllhout IImflalfon alIlS61gnrnents and security Interesl provisions relaUng 10 the Personal Property and Aents. Nole. The word "Nola" means the promissory nota or credit agr..menl daled April 7, 1995, In the original principal amount of $68,500.00 from Grantor to lender, looe1her wilh .. rtnIwaIs 0', 8XIenslOM of, modifications 01, rellnanctng1 01, consolldallons of, and subsmutionslor the promissory nota or agreement. The malurlty date Of Ihls Mortgege Is April 12, 2020. NOTICE TO GRANTOR: THE NOTE CONT,4,INS A VARIABlE INTEREST RATE. Persortaf Property. The words "Pfnonat Property'" IT\8llIn d ,qulpmenl, flx1Ures, .nd 01Mr' Il1IcIes 01 p....onal property now 0( her..ttar owned by Grantor, and now or Mrearter allacl'Mtd or alflXad 10 Ih8 R8I1 Property; Iogalher with .1 acc8SSlons, parts, and additions 10. all replacements 01. and an substitutions 'or, any 01 such property; and log.tl'ler with aD procMdS (Including wllhovl Umilllton all Insurance pl'oc:eeds and relundS 01 premiums) from any $lie or other dispOSlllon 01 It'Ie Proparly. Property. The word "Property' means collec:Uvaly lhe Real Property and the P8f$Of\I.l Prop,rty. Real PrOperty. The words "Real Property" mean the proparty, Inllll'esls and nghls described above In lhe "Grant of Mortgage" section. Relaled Documents. The words "Rtlaled Documenls. roMn and Il1Clude wilhout Umilallon all promissory notes, credit IlQr..manls, lOIn agreemenls, environmental agreamanls. guaranlles, security .or..mants, mor1gages, deedS OlltUlt, and all olher lnslruments. agr..ments and documents, whelher flOW or hereafter axlsting, executad In connection with the lndablednass. Renls. The word "Rents" means all presel'll and future ranis, revtnues, Income, Issues, royalties, profits, and olher benafits dertved Itom lhe Property. THIS MORTGAGE,lNCl.lJOING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THI; RENTS AND PERSONAL PROPERTY,IS GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND 121 PERFORMANCE OF AU OBLIGATIONS OF GRANTOR UNDER THIS MORTGAGE AND THE RElATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE Fou.OWING TERMS: PAYMENT AND PERFORMANCE. Except as otherwl51 prollided In this Mortgage, Granlor shall pay 10 lander altamounts secured by this Mortgage as they become due, and shaM $lrtcny perform aN of Grantols obllgallons llOd8l' lhis Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Granlor agrees thaI Grllnter's possession and use of 1M Property shaft be governad by Ihe following provisions: Pos.seulon and Use. Until In default. Granlor may remain In posseSSion and control of and operale and manage Ih, Property and collaC:llhe Renls from tM Properly. Duty to M4InI4ln. Grantor shan malnlafn the Property In Ifnanlable condition and prompUy perform all repairs, replaumenls, and malnlenance r'leCassarylopresel'\leJlsvalue. HazardoUs Subslances. The lerms "hazardOUS wasle.~ "hazardoUl subslance," .dlsposal," "release," and 'hrealfned release,~ as used In Ihls Morigage, shllll have the same mNning. as sel torlh In the Comprehenstve Environmental Response, Compansellon, and llflb~11y Act of 1980, _s amended, 42 U.S.C. Section 9601, el Mq. ("CERCLA"I, the Superfund Amandmenls and Reauthorizalion Acl 01 1986, Pub. l. No. 99-499 ("SARA"), the HazardoUS Malerials Transportation Acl, 49 U.S.C. Seelion 1801. el Mq., the Resource Conservation and Aaco"*Y Act. 49 U.S.C. Seclion 6901. el .aQ., or othltr applJcable slala or Faderallaws, rulas, or regulallons adoplad pursuanllo any of Iha foragolng. The *"" "hazardoUS wasle~ and "haardous subsl.l.nce~ shall also Include, wllhOl.lI UmllaliOn, ~oIaum and petrOleum b)'-prOducls or any rracbon !herIOt and asbeslos. Grantor represents and warratlls to lender thai: (a) During the parlocl of Gr.ntor's ownership of the Property, lhere has bean no use, gaf\fralion. manufaclura, sloraga, Irealmanl, disposal, release or Itvealenact r...... 01 any hazardous w.s'a or subsla~ by any persQn Oil, under, about or /rom the Properly; (b) GranlOf" has no knowledge of, or raason 10 DaIlava lhallhere has been, ucepla$ pravious/y diSClosed 10 and acknowledged by Lender in writing, (I) any UH, generation, manulacture. slorage, IrNlmenl, disposaf, ,..... or 1,.,...le~ lelUsa 01 any hazardous wasle or subslance on. under, about Q( from tha Properly by any prior owners or occupants 01 lhe Property or (~} an.,. aCIlJ8! or Ihreahllled ~ligation or claims of any kind by any person relating 10 such mall8r$; and (c) Excapl _s pravlously disclosed 10 and acf<;nowledgad by lender in wriling, (l) rwtilhe( aranlor nor any lenant, conlraolor, agel'll or olher .ulllorized user of Ihe Properly shalt usa. generala, manufaclure. sler8. Ireil~., dispose"of. Of ~S8 anY'.ha,zar~ous WllSI~ ,or sub,s~nce ,on. Under, ~boUI Of '(o~ 1M Properly and (il~, any such .cllVlly shiM tHI EXII.IBI7 HeH 04-07-1995 L\.lan No MORTGAGE (Conllnu.d) Page 2 p'~ ftagulations, and ordinances descI1~ above. Grantor authorizes lendW and Its agents 10 anl<< upon the Property 10 make $lJCh i~Ot'I$ and Iests, 81 Grantor's ~nse. as Lender may deem appropril.1e 10 delatml..... complironce Of the Pr~ with Ihis seclion of the t.lOf1Qage. My Inspections or tests m.lcM by L.ander shall be lor ~s purposes only and snaP not b8 c:onslr..-d 10 crM'- any rnpQnliblllty Of liability on the pan of L.arll:t.. to Grantor or 10 any olher pvson. lbe ret)rllHnlaUons an" warranlles contained '-lIIn ate bUftd on Granlor's d... cHIgenct In Investigating the Property tor hUlrdous wasla and haZardous substances. Gtanlor hereby (a) rileues and wlaives any full... a.llIIf aQalnsl Landllr 101 Indemnity or conlribullon in lr.. ..,.nl Grantor beComftS liable 'Of ClMnup or other cotts U"cHI' any such IoIws, Ind (b).wees 10 IndemniPy and hOld harmlesS under agaln$lany and all claims, loSses. IirobWilles. damages, J)eNlIlin, and 8Xperus which Lender tNIy ditec:1I)' or lndlfeclly sustain or suffer resulting from I brMCh 01 lhIs section 01 the MorIgage or '$ . conuquence ot any 1.1", generation. IhI.nul.cll.... storage, disposal. r-.as. Of Ihr..lened r"'N occ:utrlng prior 10 Gtanlor's ownetshlp or Inlef8l1ln !he Property. whel,*, or not theI "/TIll WU or should haw been known 10 Gr.nlor. The provisions of lhis secllon Of Ihf Morlgage. Including In. obligation 10 Indtmnlfy. wi sUl"'llvli IhIt paYlnfnt Of In. Indebled..s .nd the sattslaction and reconveyance of the '''n or this MOf1g.g. anet shaft nol b. affected by l.ender's acquisition 01 any Inl.,_t In lhe Property, whelher by foreclosure or olherWiSe. Nul.nc., Waste. Granlor shll not cause, conduct or permit .ny nUisance nor c:ommil, permll, or sutler any slrlpplng 01 or wasl. on Of 10 the Property or any por1lon Of lhe Property. Wllhout .mIlIng lhe 08'ntrakly ollhlt foregoing, Granlor '11'11 nol remove, or granllo Iny olher party the rlghllo remove, any Umber, minerals (Including oland gas), soil, grevel or rock produc:ts wllhoullhl' pr\ofwrtl\eln conHnl 01 Lender. R.mo..... Or Impto....ment.. Granlor .haIIl'lOl demoHsh or r.move any Improvements from the ReI.l Property wllhoullhf prlor wrltt.n consent 01 Lender. As a condlllon 10 1M removal 01 any Improve/Tlllnts, L.nder may requite Granlor 10 make arranoements salisfaclory 10 Lender 10 raplacti such Improvements with Improvements of It least aqual value. Lender's Righi to Enler. Lender and lis ';tnls and reprBMntallves may .nllN' upon lhe Rital Property al all reasonable limes 10 aU.nd 10 Lender's in"""1s Ind to Inspect lht Property lor purposes of Gr.ntor's compliance with tl'Ht terms and condillons ollhls MOI1gage. Compllanc. wllh Governm.n'-l Requlr.lMnl.. Grantor shaN p(omplly comply wllh all laws. ordlnanc.s, and regulations. now Of hereatler In ./lecl, of all governmenlal aulhor1lies applIcAble 10 th. use or oecup.ncy 01 lhe Property. Granlor may conlnl In good Iallh .ny sueh law, ordinanc.. or regl,Jlalion and wilhhold compllanc. during any prClCMdlng, InclLKllng approprlallappeals, fO long as GranlOf has noti"-d L~ In writing prior Ie doing SO .nd so lOng $I, In L.nder's sol. opInion, L.nder's Inl.esls In lhe Property ar. nol jeopardized. L.nder may fequire Grantor 10 p05ladlqual. SlilCurity or a surely bond, reasonably sall5laclQIY 10 lAnder, 10 protecl L.nd....s Inter"'!' Duly 10 PrOIKI. Granlor agrMS nallh., to abandon nor leave utl4lllendld lhe Proper1y. Granlor shall do aN olher acls. In addllton to Ihose acts set form above In lhis sacUon, whICh from lilt character end U$8 of lhe Property are rlilSOnably necessary 10 protecl.nd P(escarve the Property. DUE ON SALE - CONSENT BY LENDER. L.nder may, II lis opllQlt, declare Immediately dl,la and payabla aD sums secur.d by Ihls Mortgage upon 1111 sale or transfer, wilhoul lhe Lander's prior wrill.n consent, 01 aU or any part of In. Real Property, Of .ny tnteresl In tn. Real Property. A "5I.1e or lranSIe(' means In. con....y.nce 01 RHI Property or any righi, 1111. or InlertlSl therelnj whether legal, b.nelk:lal or equil.ablf; whell'lw volunlaty or Involunlaryj wh.lher by oulrlghl sale, deed, 100laIImenl sale conltacl, land contract, conlracllor deed, leasehold ml.n.1 wllh . lerm grNt., than Ihr" (3) years, Iea>>-oplion contracl, Of' by sale, assigntl'l8llt, or Iransfer Of any benefICial Inttr.slln or to any land !rusl tw)ldlng 111I. 10 IhI Real Properly. or by any olher' melhOd 01 conVlt)'lflC* of ANI Property inlerest If any Grantor II a carperallon, parttleflhlp or Umllld llab~jty company, transfer alto lncludas any chllnge In ownenhlp Of more than Iwfnly-flve pereenl (25%) ollhe vollng slOCk, pll1nershlp Inl"nll or NmlWd UabWty company Inllrests. I5lh. case may be, 01 Grlnlor. Howllver, Ihls oplion Shan nol be txarc:ised by Lender if such exercts.1s prohlblted by lederallaw 01 by Pennsylvenla Ow. TAXES AND LIENS. The fonowlng prO'A$ions relating 10 !he laX8$ and Ilens on the Property are a part oIltlis Mortgage. Payment. Granlor shall pay wh4in dUll (and In all .....nls prlor 10 d.unquency) all taxes. payrOll taxtl, $pedal taxes. l$$9Ssm.nls. wal. charges and sew... service charges "vied againsl or on account oIl118 Proplf1y, and shaM pay when d~ all claIms lor work done on or lor sarviceS rerldered or malerl4l furnished 10 lhe Property. Grantor shan maintain lhl Property free 01 allllens having priorlty over or .quatlo lhe Internl of Lender und.,. lhis Mortgage, except for !he lien olraxes and auass",.nts not due, and excepl 8$ olhefwlse provided In lha Iclowing paragraph. Righi To Conle". Granlor may wilhhold payment 01 any lax, .nessmenl, or claim In cotlneclion Wllh a good fallh dlspul, QVI( lhe obligation 10 pay, so long as LettdIr'sln!lresl In lhe Properly Is not jeopardIZed. If a lien WIllS or Is IIlfd as. r.oIl Of nonpaymenl. Grentor Shan within fltleen (15) days Iller the lien arises or, II. lien is flied, wilhln Ii_n (15) days IfI8r Granlor has nollce of lhellllng, secur'lhe d15Charg. 01 lhll lien, or Jf rllqullsted by Lend<<, dllposll wilh Under cash or a sulflcktnl c.orpl)(ate surety bond or olher security salls'.clory 10 L.nder In ,In 'moonl suftlcj'l'Il to discharge lhe lien plus any CQsls and attorn8)'S' I18s Or' olhlr ch"g_ thai could ICCrU' IS . rhull of , lorectosur. or .... uncllt lhe 11In. In .ny contasl, Grantor shall deillnd IIMIf and LllrKllI' and shall sallsfy any actveru Judgmenl belor. .n'orctrnenlagalnsllhe Property. GrenlOl shan nal'fl' L.nder ,IS an additiOflai obligee under any sur.ly bond furnlshtKlln lhe contest procaecllngs. Evldenc. or Payment. Granlot shall upon dtmand furnish 10 Lender salisfaClory evldenc. or paymenl of Ihf taxu or asllUl'rllnls .nd sha. .uthorlze lhe 'ppropriata governmenlaJ official 10 d'Uver 10 Lend... .1 al'lY lime a wrltl.n s!alemenl of Ih. Ialles and aS$8SSlTlenls agalns! IhI Property. Nollce 01 Conatl'l.lCtIon. Granlor shall notify Lend... al !usllin"n (15) days b.'ore Iny worlt Is commenced, any S8I'VIcn are lurnlshed, Of any mal.rials are suppliecllo the PrOperty, lI.ny rnIC/lanlc',li8n, materialmen's lien, or olhlr U.n could bfl5sert.d on accounl Of In. work, Sll'Aces, or malerlals. Grenlor wlH upotl requesl of Lander furnish 10 Lender edvance assurances "llslactory 10 Lend.,. lhal GraniC)( can .nd wlM pay lhe cost 01 $lJCh Improvemenls. PROPERTY DAMAGE INSURANCE. The following prOVlslOfl$ relating 10 Insuring Ihe Property lie a 1'11I ollhls Motlgage. Malnlenenc. or InfUrence. GranlOf snal procure and maintain policies 01 fh'. Insuranc. wilh :!Ilandlrd .xtended covereg. endorsements on a replacemenl baSIs fOf lhe full insurable value covering aU Improvements on lhe Real Properly In an .mounl sufficienllo avoid applica;tiotl of .ny coinsuranc. clause, and with a standard l1'\Ol1gageI Clause In lavor of Lend.,. Policies shaU be written by such Insura(\C8 companies end in such lorm as may be reasonably acceplable to Lender. Granlor shan deliver 10 L.nder c8l'lltlcalas of coverage from each insur... conlalnlng a slipulaliol'llhal co....ge win nol be cancelled 01 diminished wilhoula minimum 01 Ian (10) days' prior wrlll.n nollce to Lender Ind not conlalnlng any discl.imer of lhe Insurer's ltabllily for laoure Ig give such notice. Each Insurance pOlicy also sha~ InClud. an .ndorsemenl providing Ihll coverage In favor of lend... wiA nol be Impairfd In .ny way by any ad, omission or d.fault 01 Grantor or any olh., penon. ShOuld lhe Real Property at any lime becomelocaled In an area designated by lhe Oireclor ollhe F.dwal Emerg.ncy Manag.menl Agency IS a SplCialllood haurd .rea, Granlor agrees 10 obtain and maintaIn Fed....1 ~OOd Insurance, 10 Ih. exl.nl SUC~ Insurance Is required by L.nder .nd is Of becomes available. for the term Of lhe loan and for Ihe lull unpaid principal balanc. of lhe loan, or the maximum limll of cOller.g. lhalls available, whichever is lesS. Appllcallon of PrQC.l8d.. Granlor shaR promptly notify L.nd.r of any loss or damage 10 Ih. Property. L.nder may maka proot 01 IOU it Grantor fails 10 cIo so wilhln fillMn (15) Oays 0' lhe casualty. Wh.ltler or noll..nder's securIty Is imp.ired, L..nder may. .1 Us elecllon, .pply In. proceeds 10 ,he redUC:lion of m. Indebl.dness, payment ofllfly I18n tlrtecUng Itl. Property. Of Ihe reslorallon and repair of Ih. Property. II L.nder lIleCb 10 apply !h. prOClilo.:t:; 10 ra!otoraUOl'l and repair, GrilnlOo s/li.U r.p.ur or replace lhe dam.ged or d.slroyed Imp(ovements in a manner Slllslactory 10 L.lnder". L.l'ld., shalt, upon satislactory prool of such .xpenditur., pay Of r.lmburse Granlor Irom the proceeds lor Ihe r..sonabll Cost 01 repalr or r.sloralion il Grantor is not In defaull htlr.under. Any proceeds which ha~ nol been disbursed wilhln 180 days after IlWJIt rec:elpl and which Lender has nol commilled 10 lhe repair or mlorallon ollhtl Proplllrty shall b. used ftrstlo pay any amounl owing 10 Lander und8l' IhIs Mortgage. then 10 pr.pay .ccrved ml...al, and !he remaJf\dIr, If any. Shall be appli.d 10 lhe principal b.lance ollhe Indebledn.ss. If Lendw holcfs al'lY proceeds aller paY/Tlllnlln fuN 04 lhe Indebl.dness, such proceeds shell be paid 10 Granlor. Unexpired Inauranellll Sale. Any Un8lCpired Insuranc. shan Inure 10 Ihe b.nefil of, .nd pass to. the purctlaser 01 lhe Property (:oveted by Ihls MOf1gage alany !rustee's sale or olher sale held una.,.lhe provisiOns ollhls Mortgage, or alany foreclosure sale of such Property. EXPENDITURES BY LENDER. If Granlor falls 10 coll'lply wllh any prOVision or Ihit Marlgage. or II any aclion or proceeding Is cornmencld lhal would materially allecl L.nder's In!lrlS" In lhe Proparty. L.nd.,. on Granlor', behalf may, bul shaU nol be required to, lak. any .cllon lhat L.ncllr' deems appropriale. Any .mounl !hat L.nder upends In so doing wiD bear Inl..."1 al Ih. rate charged unoer IhI Nol. Irom In. date Incurr.d or paid by L.nCler 10 Ihe dale of repaymenl by Grantor. All such expenses. al Lender's option, will (a) be payable on demand, (b) be added 10 lhe balaoc:e of lhe Note and be apportioned among and be payable wiltt any JnslaJlmenl pa)'fl'l8nll to become due during "Ih", (I) lhe IIrm of 'ny appllc:lblelnslK'r'ICI policy Of (u) th. remaining I.,.m 01 the Note, or (c) be trealed " . baUoon pAymenl wnic:h will be Clue and payable allhe Nol.'s maturity. This Mortgage also wiM secure payment of lhese amounts. The rlghls provided lor In lhls peragr.ph shall be In aadllion 10 .ny 01"... righls or any remedies \0 Which Lender may be entilled on accounl of the ClalaU11. Any such .clion by Lender ,hall nol be construed as curJ"" IfIa: dllJu.tt so as 10 bf/ ~~ from any r.medy thalli olhltWlse would hlIve h.d. &00/1: 1:~:>~ ftGf 40:) WARRANTY; DEFENSe OF TiTlE. Tht followIng provisiom r.ling 10 ownership ollh. Property are a pari 0111111 Mortglge. Tille. GranlOr' warrants Itllt: (.) Grantor holds good and rnarlt.labill lill. of record 10 lhe Property In lee simple. fr.. .nd elMr of II IiMs ,nd 8ncumbreflClS other than IhOM sel forth In IhI Real Property dHcrlplion or In any UU. Insurance policy, title ,eport, or JlnalliUlil opinion INUlKlln laVO( oI,.nd ac::c:epled by, L.ndfr In connec:Uon wilh this Mortg&.g&, and (b) Grantor his Ih. full righi, power, and aulhotlty 10 PlCulland dalMIr this Mortgage 10 Lender. -:--..'7"\ n............ ,,' Till" <:''''''"-,,,'''' ..., ~v'~_';"'''';''' '"'' ~~,,,,,,~...... ............. ,...'"~.__ ".~..~~.~ ~~" ...il! j",,...,,, "~'"..... '''^ """ I... ,~"... ~..... ~...~;".., '~n ;fi' DV ,04-07-199S Loan No MORTGAGE (ConUnu.d) Pogo 3 lawful claim, of all ptInOrIS. In I,,", Iwnl."y action or prOCMdlng Is comlNincecllhal qLllMllons Grantor's tille Of the Interal of Lander undM IhIs Mortgage, GraniC( shaM defflnd the .cllon a' ~ntor's explnM. Grantor may btI lI'IIi nomInaJ party In such ptoc..alng. but LMn~ shall be ,ntilled 10 JWticIpale In the prOCMdlng and 10 be repraenled In IN pflX*dlng by COUOHl of Lend<<'s own chob. and Granier will deII'.w, or cause 10 be deIIwred, 10 Lender such Instruments AI under rNIy request from llrnIIlO time 10 permit such Pllticlpatil)(l. Compliance Wllh lMW.. Granlor warrants Ihl:l lhe Property and Grantor's use 01 the PtOpflfy complies wllh " IIJdsling app!ictb" IIWS. or(lir'lancft, and regulations 01 gowrnrnentalaulhOflties. CONOEMNATION. The following provl$Jons tal,lIng 10 condlilmnaUon of the Properly lll'a. part of thls Morlgag8. AppllCIIllon 0' Nat Ptoc..da, II.a Of any part Of the Proptrty Is condeml\ltd by Iminei'll domaln proceedings or by 8"'Y prOC8otdlng Of purchaw in lleu of conclemnalion, llndlJr may lilts llIec:llon tlIqulrl lNlllIII 0( InV portion of IhII net proceeds ollh8 .w~d 1:)1 applied 10 lhe l~leclt'116S Of the repair or restor.lIon Of the Property. The nel proceeds 01 the award shaa meln In. aW8fd aner payment of .11 actual cosb, expeMeS. and !llIotneys'lees Incurred by Lender In connecllOll witn thit condemnallon. Proceedings. II any proceedlng in condemfll,llon Is IUed. Grantor shan promplly notify Lender In writing, and Granier snaU promptly lake such sleps as may be necessary to defend the action and oblaln the .ward. Granlor may be the nominal party In such proceeding, bLllLenCSer shall bf enhlf,d to par1lcJpale In thlt proceeding and 10 be rept8Mn!lKf In lhe proceeding by counsel of Ib own chOICe. and Granlor wdl claliver er caU54t 10 be deljvered to Lender such Instrumtnts as may be requested by Illrom time to lime 10 permit such participation. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAl.. AUTHORITIES. The following provisions rflallng 10 gowrnmentallalles, lees and ch.rges .(a a part of Ihls t.Aortgaga: Currenl Taxea, Feea and Ch.ergea. Upon requesl by Lender, Gtlnter shall execule such documents In addiUon 10 lhis MorlQlge and lake whatever other action Is r~U8$1ad by Lender to perfect and conllnue Lender's lien on lhe Real Properly. GranlOl" shan reimburse L.ender lor all !alles, IS descrlbed below. I~the( WIth all hpenses Incurrooln (eeordl/lg. perfecllng or continuing lhis MorlQllge, Including wilhout ~mitaUon all !alles. lees. documenltry slamps. end other chafges for reeOl"dlng 01" reglslering this Mortgage. Taxes. The fOllowing shall constllute laXfllo which IhIs sacllon applies: (a) a 'peclllc tax up(ln IhIs typa 01 Mortgage or upon an or any part 01 the Indebledness secured by lhis Mortgage; (b) a spac:illc IaJl: on Granlor whiCh Grantor IS authorlHd or required 10 deduct from payrnenlS on lhe Indebtedness secured by this type 01 Mortgage; (c) a tax on this Iype of Morlgag. chargeable agalnstlhe Lend., or tho tloIder 01 lho NOle; and (dl a $pecllIc Ialf on all or any portlon ollhe Indeblednes. Of on paym.nts 01 princlpaland Inl.resl INlH by GranlOf, Subsequent Taxe.. II any Ialc 10 which this section applies IS afllCtlKlsubsequenlto lhe date of Ihls MOI"lgage. this ev.nt shall have lhe S6lme eHeet as an Event of DelalM! (as defined below), and Lender may exerclul any or aa of lis available remedIeS lor an Event of Oelaull as provided below unltss Grantor lIiln. (a) pays Ihe tax bflorelt becomes deIIoqlJfnt, or (bl con,"ls the tax as p(Ovidtd above In lhe Taxes and liens secllon and depOSIts wilh l.nder cash OIa sufllc/ent corpOl"alt StX8ty bond 0( olher security satisfaclory to a..nder. SECURITY AGREEMENT; FINANCING STATEMENTS. The foRewing prMlons relating 10 Ihls Mortgage as a security aOfHlTM!lnt are a part of lhis Mortgage. Security AgrNmenl. This Instrument shaa conslilute a secutlty agreement 10 the axIen! any of the Property conslilules ftXlures or olher personal property. and lander shall have aD of the rights of a secured party und8r the Utlllorm Commercial Code as amended from Um.lo lime. SecurIty Inler.at. Upon r.cjuasl by lender. Granlor shall execute _nclng ,"lamenlS and lak. whal.ver other action Is requested by Lender 10 perfecl and conllnua L..nder's sacurity Inleresl In lhe R.nts and PenOl'lf;I PrOPlltIy. In addition 10 tocClfdlng Ihls Mortgage In Ine real prop<<1y records. ~nd&r may. al any time and wi!houl futthet aulhotlzallon from ar.nlot. ftle ~td counlerparts. copies or rep(QdUCflons otlhls MorIgage as a ftnaflClng statement. Grantor shall reimburse Landet lor all up.nSH Incl$Ted In p.-1ecllng or conllnulng Ihis ,ecurity Inletesl. Upon dalult. Grantor shall assemble !he Per!lonal Property In a manner and ala plac. reasonably convenlerltlo GrenlOl" and Lander .nd make n avaIlable to lender wilhln Ihree (3) de}'laner recelpl 01 wrlllan demand !rom Lendll(. Add"..... Tn. mailing addresses 01 Granlor (debIOl") and lender (secured party). from wl1ich Informallon concetnlng the $OCurlty Inlet.sl Cfl'anled by this Mortgage. may be ob~nad (e.ach as raQuIr.d by the Uniform Commerclal Code). are as staled on the flrsl page 01 tnls Mortgage. FURTHER ASSURANCES; "TTORNEY~N-FAcr. The IoIlowIng provisions relallng 10 IUl1her assuratlC8S and atlotne)"-jn-facl ar. a part ollnls Mor1ga~8. Furthet AUUtallc". AI any lime. and ftom II,", to lime. upon r.qUitSl of Lender. Granlor wW make. execute and delivll(, 01" will caU$8 10 be made. executed or delivered. 10 lender Of 10 Lend""s designee. and when requested by lAnder, cause to be filed. (ecorded. r.filed. 01' rerecorded. as the case may be. al such limes and Ir1 such offices and places as Lend... may dINm appropriate. any and all such ITlOI'Igages. deeds cltrusl. security deeds. security agreemenls. financing stalemenls. conllnualion slatemenls. Inslrumenls ollurtne... assurance, certilicales. end other documenls as may. in lhe sol6o opiniOn of Lender. be f18CftS8fY or desirable In order 10 effecluale. camp"I.. p<<lect. conUnue. or preserve (a) lha obligations 01 Gtanlor Imd... the Note. IhIs Mor1ga:gll. and the RelakKl Documents, and (b) Ihe Iiena and sacurlly Inleresls created by Inis Mortgage as !lrslsnd prior liens on the Property. whelher new own.d 01' hereafter acquired by GtsnlOf. UnI8ss prohibiiad l:)y law or agreed 10 the contrary by Lendet in wt1l1ng. Granlor shan reimburse Lender fat aU COIls and expanses Incurr.d In connection with II'MI mallaB relerred to In lhis paragraph. Atlorney-tn--Fiel. If G(.nlor laUI to do any 01 In. thlrlg$ l'8let'red 10 In !he preceding paragraph, Lend" may do so for and In lhe name 01 G(anlOl" and al Granlor's expense, FOl' such purposes. Granter hereby Irrevocably .ppOlnts L.ender al Grantor's allernt)"-jn-Iacl lor lha purpose 01 making, execullng. delivering. filing. recording, and doing aU olher thIngs as may be necessary Of desifabl.. In lel'lder's sole oPinion. 10 accompUsh Ihe mailers relerred 10 In the preceding paragraph. FlLL PERFORMANCE. If Granlor pays an lhe Ind6bledness when due. and otherwIse ptrforms all the obllgallons Imposed upon Grenter under this Mor1Q8.Qe, Lender Shallex8CU!e and deliver 10 Granlor a sullablct satisfaction 01 tnis Mortqage and sullable stalemenls olletmlNUon 01 any lInanclng 51alilmenl on fila evld.fIClng Lender's securlly Inlerest In t!'lf Rents .nd lhe Personal Property. Oranlot wW pay. II pefmlUed by applicable law. any reasonable termination lee IS de'-mined by Lander from time to time. DEFALLT. Each 01 1M following, atlhe opllon 01 lend.... shl.N conslliule an event 01 clelaun ("Event of DelaLIII") under Ihls Mortgage: Default on Indebledne... Fdure 01 Grantor to make any payment when due on Ihe IndaDledl18S$. Delaull on Olher Paymanla. Failure of GranlO( within the Urn. required by Ihls Mortgage 10 make any payment lor taxes Of Insurance. or any Olhet paym.nt necessary to pf1lventliUng 01 Of 10 ell8cl discl'larga 01 !lny ~en. Compllatlce Delaull. Failure to comply wllh any other Ietm. obllgalion, covenanl or condlllon contained In Ihls Mor1gage. lhe Nole or in any ollhe F1elaled Documents. II such a lallure is curable and II GrantOl" has nol been glv.n a nollct cl a breach 01 IhtII same proviSIon 0' IhIs MortQIlOl.' ...ilhinlhe preceding twelve (12) monlh', It may be cured (and no Evenl of O"aull will have OCCtJrr.d) If GrantOl". all<< Lender sanas wrlll.n nollce demandlr'lg ClKe 01 suen lailur.: (a) cures the lailu'" wilhin Im...n (t5) days; or (b) II tho curo reQL:lr8S mora than fill"n (15) days.lmmedllllely Inibales sleps sutlicl8nt 10 cure the lallure and thereafter continues an" comp"les aU reasonable and nec.ssary slt!lps surnc:.nl 10 produce compliance as soon as reasonably praclical. Falsa Stalemenls. Any warranty, reprS$enlation 0( stalement mede or lurnlshed 10 LenaIN' by 01" on behalf 0' Grantor undlN' Ihls Mor1Q8Qe, IIle Nole or Ihe Relaled Oocumenb Is false or misleadIng In any malerial respecl. ellhll( now or al the Ume made or lurnlshed. Death 01 InlOlveocy. The dealh of Granlor. Ihe Insolvency of Grantor, the appolnlment of . receiver fOf any pMl 01 Granlor's property. any assignmenl 'ot lhe benefil of cr.ditors. any type 01 creditor WOl'kout, 0( lhe commencemenl 01 any proceedlng under any banllruplcy or Insolv.ncy laws by 01" agalnslGrantOl". Fo(eclosure, ForNllura. .Ic. CommencelNtnl 01 foreclosure or lorfeIture prOCHdlngs, whelher by JudICial prOCHdIr'lg, S81J....h81p. r&possesSlon or any oltlel' melhod, bV any creditor 01 Gtantor 01" by any g(lV8fl'lmenlal ,gency agalnslaflY 01 the Property. How.ver. tNs subucUon shea nolapp/y In lhe 'Yllnl 01 a good laith dispute by Grentor as to lhe valIdity or (aasOflllbfanass of Ihe claIm whICh Is the basis of lhe loreclosure or lorefeilure proceeding, provided lhal Granlor gives Lender wriller'l nolle. of $uc/'l claim and lurnlshes reserves Of . sutely bond 101' lhe claim saUslactary 10 Lender. BrellCh 0' Olher AQI'"eemttnt. My tlraach by Granlor und... the I.rms 01 any olher agreement between Grenlor and L.end... lnalls nol remedi8CI wi/hin any grace period ptovlded therein. Including wJlhoul Umltallon any agreement concerning any Indebtedness or olh81 obllgalion 01 Granlot 10 lendEN". whether exlsllng now or laler. Evenl, Affecting Gu.,.."lo(. Any 01 Ihe preceding events occurs wllh respect to .flY Guarantor 01 any ollhe Indebledness or any GUlIr.nlor dUls or beeomes Incompetent. or raVOkes or disputes the validity 01, or IIablUly under, any Guaranty of the Indebtedness. Lenaer. allts opllon. Ny. but shilh nol b. requlrltd 10. p8lmlllhe Guaranlor's eslala to assume uncondillona~y Ihe obllgallons arlslng und8f lhe ouar.nly in a Ill.Inner salls.laclory 10 lender. and,ln dolng so, cure the evenl 01 o.Iaull RIGHTS AND ReMEDIES ON DEFALl.T. Upon lhe cccu"ence 01 any Evenl 01 Defaulland afany lime lhereaft8t. lender, allls oplion. lNyexerclse anv one or more 01 the following rig illS and remedies. In addUlon to eny other rlghls or remedies provided by le~ 1 ')', J;i r, rr L1 f;4 04-C7-1995 Lf)an No MORTGAGE (Continued) Page 4 Aceelerale Indeblecln..... SubJilct 10 appliclble law, Ltni:W shall hive the right II its option without neb 10 Gllr'llor 10 0Klar. the .nar. Indebtedl'leS$ Imrnedlalely due and payable. OCC ~.medl... With r.sptICt 10 .. Of any p&tt oIlh8 Personal Propll1y, lender shall have alIlhe tights and temedles 01 . seclHd party ulldelr lhe UfIllCfm Commercial Code. Collecl Renla. L.nd.- shall have the righi, without nolle_lo Granler,lo tlk. posMllion olin. Property and COlleCt ,,,. R.nls, Including IlTIOl.lnls past due ~nd unpaid, and apply In. "., prOCMds, Ovet .nd ebow lllndW'1 COIls, ag.lnst U'1t' Indebled'*-S. In h.wtnerlne. ollhi$ rlgh!, Lander may reqUIre any tenenl Of aU,., user of lhe Pf~ 10 make plymentt 01 r.nl 0( USII '"' dlrltCtty to Lender. Illhe FWnls", coll<<:led by Lander, then Grantor Irrevocably dMlgnl.Ies Lender as Granlor's altorMy-ln-lact 10 IndOI'M Instrul'nenls reotived 111 P41yment IMt~ In I". namrt 01 GranlOl' and to negollala !he MMe and collect'''' proc.-ds. Payn'l4lnls by leiVIn'ts 0( other ~ to Lender in t-.pOI'lM 10 L.ncIK. cs.m.nd "*' salisly tt\e obllQl.UOtl$ lor which the paYfMnl$ .,. maa., .....helhlt 0( not any proper groundf lot 1M demand existed. Letlclet mly p.,ClM Its rig:hls undW Ihi, subpngr.ph ellher In person, by .~nl, or tlYough. rac:elWll'. Appolnl Receiver, Lendllr shall have the righllo hive. receiver .ppOlnled 10 take pO$Sesslon of.n or .ny part ollhe Property, wlthlhe power 10 protecl and preH1'V8 the Propetty, 10 opel'.1e lhe Properly preceding-fOreclosure or sale, and 10 colllCl lhe RenlS flom In. Property .nd 'Pply Itle proceeds, over and above II1e cosl 01 Ihf rece/VeI1hlp, .galnsl the Indfbttdness. The reclliver may swv. wll/'Ioul bond II permitted by law Lender's rignl 10 Il'II .ppOlnlmenl of a receiVer ,hall exist wlVltMtr or nollhe lPparenl vall.l8 01 lhe Property axcMds Ihe Indebledness by . substanUalamounl. Employment by lender shill nol dlS'luallfy. parson Itom seMng as a receiver. Judicial ForaclOau". Lender INIy obtain. judlclal decreefo.-ecloslng Granlor's Inlerest In.n or .ny part of In. ProPflrtY. Nonlud/c'aJ s.I.. If permilled by applicable I.w, Lender may lOfecJou Gr.nlor's Inler8$lln an or In .ny pari 01 lhe P8fS(H1Il Property or 1M ANI Properly by nonjudicial sale. Dellcl.ne)' Judgment, Lender may obl.ln . Judgmenl fof .ny dellclency rem.lnlng In the Indebladness due 10 lender .l1er .pplication 01 a. 'mounls (ecelved from lhe elCIfcl$e ollne rights provided In this secUon. Tenancy a' SUHerltlCe, If Gr.ntor remains In possession 01 !he Property .l1er Ihe Property Is SOld as provided .bove or lender ol/'IefWlM becomes enlllled 10 possess!Otl olin. Property upon def.ull 01 Gr.nlor, Grentor Shall bec:ome .tenanl.1 sutl....nee Of lAnder or lhe purchaw at lhe Property end shan, ellender's oplior., .rl"... la) pay a reasonabl. tenlallor the use Of lhe Property, or Ib) vllC8te Ins Propflrty Immedlalely upOn lhe d.mand oll.nder, Olh.r Remedle.. l.nder shall t1ave .11 olher riQhts .nd /l!Im.dles provided In Ihls Morlg.ge or Ih. No'- OIa",llablt .1 law or In aqulry. Sela or IIle Property, To lhe extent permitted by appllcablt taw, GranlCII her.by w.l~ .ny and all fighllo !\a", the property marshalled. In exercising ils rights .nd remedies, t..nd<< ,!\aN be free 10 sell aN 01 arty plrI 01 Ih. ProPerty logett'lel Of saperlltly, In one salt or by aep.r.te sales. Lender shall be entllled 10 bId .I.ny public MIe on all or any portion 01 Ihe Property. Nolle. or 5.lla. lender shl;U gtv. Gr.nlor ....sonable notJc:. 01 ItIt time .nd place of .ny publiC nit of lhe Persontl Property or 01 11'18 lime all., which .ny privtle sala or at,*, !l1Iend.d dl:sposlllon 01 the P.rsonal Property 1$ 10 be made. Un,." olharwlse raquired by .ppllcable law, reasonlibta nollca S"-II mean nOIica given .1....sll.n (10) days beloraltle lime 01 lhe sala or disposillen. Waiver; Elacllon or Ramedfee. A waiver by any party Of. breach 01. provision of Ihis Mortg.ge shalf not conslilula a walWll' 01 or prajudlce lhe party's rights otherwi$llo dfm.nd Slnct compliance with Ih.1 provision or any olher provlJlon. Elacflon by Lender 10 PUf1U8 .ny remecly shall nol exclUde pursuit of .ny olher remedy, end an eleCtion 10 ma.II.& expenditures or lllke scUon 10 perfOfm an oblig.lllon Of Grantor under this Mortgage atl&( failura 01 Granlor 10 perform s/1al1 nolatl&ct Lender's righllo d&clare a delaull.nd exerCIse Its remedies under Ihis Mortgagf. Allorney.' Feo'j Expen.... II Landar IMlfIuln any sull ot .cUonlo .nlorCf any ollhe terms Of this Mort;ag., lender shaJt be enllUed to recover such sum IS Ihe court m.y 'djudge reatonable 8$ .lIomays' leas .1 trial .nd on any appeal. Whitner or not .ny court acllen Is Involv.d, a" reasonable expen$eS Incurred by Lend<< lhalln lender's oplnlon are neoessery .1 any lime for the ptotecllon 01 lis Inleresl or 1/'18 anlorcemenl 01 its ~hts shall beCome a part ollhe Indebtedness J)AyaDle on dell18nd and shall bear Jnl8l'esllrom the date of expendllure unlll repaid. II fhe reItJ prOVIded for In I"" Note. Expensea covered by this plireQftph Include, withoul UmllaUon, hOW8Vfl( subifclto any ~1Tl/1S undM .ppllcablt law, lender's .t1orl'\8YS' lees and lender's leogaIexpenses whelher or nol lhere II . Jewsull, Including .norneys' fats lor b.nkruplcy pr~ngs (including eflorts 10 mOdify Of vacallt any aulotf\8l1c Slay 0( Injuncllon), .ppea!s and .ny anllclpalfd posl-judgment colleclion MNiCft, Ihe cost 01 searching r9C0tds, obtaining !Ilia reports (InclUding foreclOSure reports), surveyors' repOrtf, and .ppralSal tees, and tille Intur.nc:e, 10 lhe 1tJC!8nt permilled by applicabllllaW. Grenlor also will p.y .ny court coslS,ln .ddition 10 Illl olher sums provided by law. NOTICES TO GRANTOR AND OTHER PARnES. Unless otherwise prollfded bY' applicable law, .ny nollctJ under th/$ Mortg.ge shal be In ","!lng, may b. bt 58nt I:IY' lalthlcsimilie, and shall be .fleclive wlMln actueny delivered, or when depOSiltd w1lh a nationlllly recognized overnlghl courier", or, il mailed, shaa be deelTMld eflectlve wilen deposf1ed In the United Sletes mall IIr$I Clw. registered man, poslage prepaid, ditac'-d 10 lhe .ddreues shown ONr lhe beginnlog Of IhIs Mortgage. Any party may chang. Its .ddress for nollees under this Mortg.g. by gIVIng formal wrilltn neb 10 the oth.r p.rties, specifying IhalltMl purpose of the neb Is 10 change the party'1 'ddrMS, All copies 01 nollc:es of tortclosure from I'" holder 01 .ny Ilen which has priority o......,hls Mortgage shiN be senllo Lender's addrnll, as shOWn nesr lhe beginning Of lhis Mortgage. For nolle. purposes, Granlor .gr&83 10 keep Lender Informed alal/lImas 0' Gt8nfor's curranl.ddress. MISCEllANEOUS PROVISIONS. TtMllollowlng ml5cellaneO\.Js provisions ..... part ollhls Mor1Qaga: Amendmenle, ThiS Mortgage. logelher wtlh any R8I8ltd Documents. conslfMn lhe .nllr. understanding .nd eOtH.".nl, of lhe partin as 10 lhe m.tlers sel forth In Ihls Mortgage, No .1Ier.llon 01 or .mendmenl fo IhIs MOr1g.ge shall t)e liIflecllva unlesS gIven In wnling and slgnlKl by the party Of partias soughllo be charged or bound by the allarallon Of emetldmanl. AppUC4ble Law. Thl. MOf1veQIII: hat been delivered 10 Lend.r and (lCeepled by Lendet In the Commonwoalth 01 Pennaylv.nle. TIll. Mor1gage *"atl be governed by .nd conalrued In ~cord4nce wllhlne Jaw. or Ihe Commonweelth or Penn.ylven... _ Capllon Heading.. c.pUon headings In Ihls Mortgege are lor convenience purposes only and arlil nol 10 be Used 10 Interpral or dalitl8 Iha prO\lisions ollhis Morlgllg.. . Merger. There st1an be no merg., of the Inlerest or ntala cr88llld by lhis Mcr1gage with eny other inleresl or eslala In the Propet1y .1 any tlme held by or for lhe benefil of Lender In any capacity, wllhoullhe wrilten consenl 01 L.ender. Mulllple Pattie., All obligations of Granlor under Ihf:S Mortg.ge sllaJl be JoInl and several, and all rerererICH 10 Granlor shall mean each and every Grantor. This means lhaleaeh oIlt1e paBon$ signing below Is responslbl. lor all obltgallons In IhlS W1ortgaoe. S'\ler&ll:lllll)'. II. court 01 comp.lenl juri5cllclion nnds .ny provisIon 01 this Morlgage 10 b. Inv.lld or unenlo((:ublt as 10 .ny person or CIrcumstance, SUCh IIndlng shall nol rend<< thai provl$lon Invlillld or unenforceal:lle as 10 an'r' other persons or clrcumslallC8l. " "'Sible, any sueh offending pro\llslon shal be deemed to be modilied 10 be wilhin lhe limits ol'nfotceabi~ly or vaHOlly; however, Illne olrendlng prOvlSlC(l conr.ol be 50 modified, it stull be stricken and all oltler provisions Of Ihls Mortgag. In aft olher respects shall remain valid and .nlorceal;)le. Successors and All$Igns. Subjec:llo lhe IIm1lalions slaled In Ihls Mortgage on Iransler of Gt8nlor', Inleresl, Ihls Mortgege ShaU ~ binding upon and inure 10 ttlt benefit oIlhe parties. thalr Mirs, p...sonall'8presenl.a/J~. suceessors .nd assigns, II ownershlp of !he Property becom.l ves\e(l In a p8l'S0n Q(her than Granlor, Lender, w1ll1oul notice to Gr.nlot, may deal wilh Gr.nlor's successors with Teter.nce 10 tNs M~ and I.... Indebledness by way of lotbeat.nctI or extenSIOn wlthoul releeslng Grantor IrOnl ItIe obllgallons 01 Ihls Marlgag. or liability under lhe Indebledness. TIme Is or Ih. ElIMoce. TIme Is ollhe essence In Ihe perlorml~ of Ihls Mortgage. Waiver. end Consent.. lef)(lar shan r'IOl bf CSMmect 10 haW. waived .ny fighls under Il'IIs Mortg.g. (or under the ReI.led Documenls' uolM. SUCh waiwr Is In writing and signed by leoct.r. No def.y or omissIOn on lhe perl 01 l.ndet In .xerclslng any right sn.M oper,le as . waYw,lt 01 SUCh righl or any olher right. A wtlvet by any party 01 . pro...ulon of Ihls Mortgage s/'l8l1 nol consUlul. a walv.... 01 Of ",.jUdIct 11'18 ~s rlgh' olherwise 10 demand slric:t compliance wilhltlal provision or .ny othalt provision. No prior" watver by lendM, nor .ny course ot 0eaIlng batwMn lender and Granlor, .hall constilute . w81ver of .ny 01 l.nder', rlghls or any 01 Gr.nlor's obllgaUons IS 10 any tL1lUf.lrallsac!iOfll. WMlnavllt consent by L.tldet Is required In lhis MorlQage. the granting 0' SUCh consent by lander In any Inslal1C8 shl.l nol consUM' conUnulng conwtllllo subsaquenlinslances wtwlr. such eonsenlls requlred. zf&. N EACH GRANTOR ACKNOWLEDGES HAVING READ All THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS ~MS. 12~8 4~J~ roo<< .OJ fACE fJu :7Aill.~;iJa~;s. r;($'~( x~_?ffi;Q~. ~'._(seAL) 04-07-1995 Loan No MORTGAGE (ConUnUed) :PjlfiT :"n:::-r'~;;V1i7." WlIne CERTIFICATE OF RESIDENCE J hereby certify, lhallhe precise .ddr~ oIlhe morlgag", ORRSTOWN HANK, herein Is IS follOws: 427 STONHEDGE DR., CARLISLE.. PA 17013 ,,~u.1tr INDIVIDUAL ACKNOWLEDGMENT STATE OF ~~I--V*,^1l COUNTY OF ~...........,s..c=.tt-L~]) I Ie, I On lhis, the lTl1 dliy 01 MAIL.. , 19 1~, belote m. ~ 1(: '-tl"'9t.. ~ I.J..+"'-,er undetSlg~ Notary PublIC, persondy appeared DENNIS G. DEITCH and SHARON L. DEITCH. known to me (or SllIsfaclorily prover person whose nama art subscribed to the within Insln.lmenl. and IclmowledQed thillhey' executed IhI same lOt tht purposes lhlweln cont 'n w'In...Wh...... I her.un,...'my"'4 ,"".11I,,,,"". .~I;,!/J Nolary Public: In and for th. StAlIe 01 k......""" lASERP'AO,RI'" V.s. Pal.' T.M. 011.. v... So2a IC)lHI CFI Pros...lcn.,nc:. Allrlghl.r..lIIVtO.IPA-G031....LN Al.0Vt.! ,,\.:...n'lI,'~"";. .", l,: ... J_.... ...~':' t',i.v ...-__~,(' "\ ~~'1t.'" _,_,. ~-=- " },""tj/:\.~,,,;.E"4..\~\,,. if~i'" .....~\-I" . .sr.~Do'''~'I'~> ;:"\~i?!INi'~~ ~::-,.. o~~',",,~~1 !!. \""'{~S";''4''''- ~i '>i.j,~.:/~_.-- li45o~~f?Y~~\) \.i ..~~n1I" NolJrialSellll Mlchillel J. H~n;n::rlg~ty M~r:.: Ellpire,AprlI'3. 1998 Ai;eoci8IIondf\lQla/\eS -, ,~ Iili~ ).I...~'.. ;,.\l>:'~~ "~" . . l~t.~fI: , \;":iI!..'" 11-.. ~I:;;li~ '..~ "':i:/''':'H,itt } 55 .' }'..t. . ",,,'i';(I'j : <i; :-~! I..'; tha recordlna of O~e-I ~ r4~ '~~::~~::~~~;N~ D .., I """'I""cJL..,,1 of Offi~ 9s , "'. h".this ltQ.} deyot ~ l1J- o/~.'. rc~ ALL that certain tract of land situate in West pennsboro Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at an iron pin in the center line of L.R. #21034 leading from Plainfield to Greason, which pin is North 4 degrees 48 minutes East 210 feet from the center line of Township Road #T-446; thence by other land of Lester Gerald Thumma and wife, North 85 degrees 12 minutes West 210 feet to a stake; thence by the same, North 4 degrees 48 minutes East, 195 feet to a stake; thence by the same, South 85 degrees 12 minutes East, 210 feet to a pin in the center line of L.R. #21034; thence by the center line of said road, South 4 degrees 48 minutes West, 195 feet to the Place of Beginning; Containing 40,950 square feet and being described according to a survey thereof by Noel B. Smith, R.S., dated September 8, 1972, a copy of which is attached hereto as a part of this deed. BEING subject to a building set back line which is 40 feet West of the proposed right of way line of L.R. #21034, which latter line is 25 feet West of the existing center line of said road. BEING the same premises which Lester Gerald Thumma and Gayle Ruth Thumma, husband and wife, by their Deed dated September 26, 1972, in the Cumberland county Recorder of Deeds Office in Deed Book "V", Volume 24, page 253, granted and conveyed unto Dennis G. Deitch and Sharon L. Deitch, husband and wife, Grantors herein. ,~ Bood258 PlGE 467 O~~N BANK /000 ;S'JO ClOO.3 S""'1rJl '-16:1..) February 13, 2004 CC(Q)~1f SHARON L. DEITCH DENNIS G. DEITCH 136 GREASON ROAD CARLISLE, PA. 17013-9469 Via Certified Mail Return Receipt Requested and Regular U. S. Mail ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortqa~e on your home is in default. and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paqes. The HOMEOWNER'S EMERGENCY MORTAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the pro~ram works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselin~ A~ency. The name, address and phone number of Consumer Credit Counselinq Aqencies servinq your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housinq Finance A~ency toll free at 1-800-342-2397. (Persons with impaired hearin~ can call (717) 780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. EXHIBIT "D" LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): DENNIS G. DEITCH & SHARON L. DEITCH PROPERTY ADDRESS: 136 GREASON ROAD CARLISLE. PA. 17013-9469 LOAN ACCl. NO.: 1060002475 ORIGINAL LENDER: ORRSTOWN BANK CURRENT LENDERlSERVICER: ORRSTOWN BANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT") , YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT". EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desianated consumer credit counselina aaencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can s~i11 apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brinq it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 136 GREASON ROAD, CARLISLE, PA. 17013-9469 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: DEC. 12TH__ $509.08, JAN. 12TH__$50908 AND FEB. 12TH__$509.08 Other charges (explainlitemize): LATE CHARGES--$821 0.. TOTAL AMOUNT PAST DUE: $ 2,347.35 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this $ 2,347.35.. ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: ORRSTOWN BANK ATTN: BETSY SMITH P.O. BOX 250 77 EAST KING STREET SHIPPENSBURG, PA 17257 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its ri~hts to accelerate the mortqaqe debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mortqa~e property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If YOU cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the riqht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by payinq the total amount then past due, plus any late or other charqes then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performinq any other requirements under the mortqaqe. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 5 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Phone Number: Fax Number: Contact Person: Orrstown Bank P.O. Box 250. 77 East KinA Street Shippensburq, PA 17257 (717)530-2661 (717) 532-4099 Betsy J. Smith Name of Lender: Address: EFFECT OF SHERIFF'S SALE - You should realize that a Sheriffs Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriffs Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You MAY NOT sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied: YOU MAY ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THOE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER DEFENCE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, ~!~~_"Lft BETSY J. SMITH, COLLECTION DEPT. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY.O CCCS of Western Pennsylvania, Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Urban League of Metropolitan Harrisburg North 6th Street Harrisburg, PA 17101 (717) 234-5925 Fax (717) 234-9459 Community Action Comm. of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 Fax (717) 234-2227 Bedford-Fulton Housing Services RD #1, Box 384 Everett, PA 15537 (814) 623-9129 Fax (814) 623-7187 Financial Services Unlimited 31 West 3'd Street Waynesboro, PA 17268 (717) 762-3285 Financial Counseling Services of Franklin 31 West 3'd Street Waynesboro, PA 17268 (717) 762-3285 Adams County Housing Authority 139-143 Carlisle Street Gettysburg, PA 17325 (717) 334-1518 Fax (717) 334-8326 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 Fax (717) 731-9589 American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 Fax (717) 637-3294 OMN BANK )000 IS-YU Doo3 .J'!d! '-IoIY February 13, 2004 t~~)( DENNIS G. DEITCH SHARON L. DEITCH 136 GREASON ROAD CARLISLE, PA. 17013-9469 Via Certified Mail Return Receipt Requested and Regular U. S. Mail ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortj:laqe on your home is in default, and the lender intends to foreclose. Specific information about the nature of the default is provided in the attached paj:les. The HOMEOWNER'S EMERGENCY MORTAGE ASSISTANCE PROGRAM (HEMAP) may be able to help to save your home. This Notice explains how the prOj:lram works. To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with you when you meet with the Counselinq Aqency. The name, address and phone number of Consumer Credit Counselinq Aqencies servinq your County are listed at the end of this Notice. If you have any questions, you may call the Pennsylvania Housinq Finance Aqency toll free at 1-800-342-2397. (Persons with impaired hearinj:l can call (717)780-1869). This Notice contains important legal information. If you have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIEN DO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA ,(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CAS A DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. HOMEOWNER'S NAME(S): DENNIS G. DEITCH & SHARON L. DEITCH PROPERTY ADDRESS: 136 GREASON ROAD CARLISLE, PA. 17013-9469 LOAN ACCl. NO.: 1060002475 ORIGINAL LENDER: ORRSTOWN BANK CURRENT LENDERISERVICER: ORRSTOWN BANK HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE: . IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL. . IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS, AND . IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE - Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days from the date of this Notice. During that time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE. YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES - If you meet with one of the consumer credit counseling agencies listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names, addresses and telephone numbers of desionated consumer credit counselinQ aoencies for the county in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediatelv of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION - Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Brino it up to date). NATURE OF THE DEFAULT - The MORTGAGE debt held by the above lender on your property located at: 136 GREASON ROAD, CARLISLE, PA. 17013-9469 IS SERIOUSLY IN DEFAULT because YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: DEC. 12TH__ $509.08, JAN. 12TH__$50908 AND FEB. 12TH__$509.08 Other charges (explainlitemize): LATE CHARGES--$8210.. TOTAL AMOUNT PAST DUE: $ 2,347.35 HOW TO CURE THE DEFAULT - You may cure the default within THIRTY (30) DAYS of the date of this $ 2,347.35.. ANY MORTGAGE PAYMENTS AND LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made either by cash, cashier's check, certified check or money order made payable and sent to: ORRSTOWN BANK ATTN: BETSY SMITH P.O. BOX 250 77 EAST KING STREET SHIPPENSBURG, PA 17257 IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its riqhts to accelerate the mortqa~e debt. This means that the entire outstanding balance of this debt will be considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclose upon your mort~a~e property. IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES - The lender may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have not cured the~default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the rioht to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by payino the total amount then past due, plus any late or other charoes then due, reasonable attorney's fees and costs connected with the foreclosure sale and any other costs connected with the Sheriff's Sale as specified in writinq by the lender and by performino any other requirements under the mortoaoe. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. EARLIEST POSSIBLE SHERIFF'S SALE DATE - It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 5 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be by contacting the lender. HOW TO CONTACT THE LENDER: Phone Number: Fax Number: Contact Person: Orrstown Bank P.O. Box 250, 77 East Kinq Street Shippensburg, PA 17257 (717) 530-2661 (717) 532-4099 Betsy J. Smith Name of Lender: Address: EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - You MAY NOT sell or transfer your home to a buyer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied: YOU MAY ALSO HAVE THE RIGHT: . TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. . TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. . TO HAVE THOE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) . TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. . TO ASSERT ANY OTHER DEFENCE YOU BELIEVE YOU MAY HAVE TO SUCH ACTION BY THE LENDER. . TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, ~ 9-..Jl~ BETSY J. SMITH, COLLECTION DEPT. CONSUMER CREDIT COUNSELING AGENCIES SERVING YOUR COUNTY.O CCCS of Western Pennsylvania. Inc. 2000 Linglestown Road Harrisburg, PA 17102 (717) 541-1757 Urban League of Metropolitan Harrisburg North 6th Street Harrisburg, PA 17101 (717) 234-5925 Fax (717) 234-9459 Community Action Comm. of the Capital Region 1514 Derry Street Harrisburg, PA 17104 (717) 232-9757 Fax (717) 234-2227 Bedford-Fulton Housing Services RD #1, Box 384 Everett, PA 15537 (814) 623-9129 Fax (814) 623-7187 Financial Services Unlimited 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Financial Counseling Services of Franklin 31 West 3rd Street Waynesboro, PA 17268 (717) 762-3285 Adams County Housing Authority 139-143 Carlisle Street Gettysburg, PA 17325 (717) 334-1518 Fax (717) 334-8326 YWCA of Carlisle 301 G Street Carlisle, PA 17013 (717) 243-3818 Fax (717) 731-9589 American Red Cross - Hanover Chapter 529 Carlisle Street Hanover, PA 17331 (717) 637-3768 Fax (717) 637-3294 ~ V"'iH;as;;~;:s POSTAtS QOOO C) z :J b i ~ u.. 0 o ~ I!! ~ ~ ~ ti: Q - ... ~ ~ W ffiffi u ~~ :1':'; ,,0 Bi~ ~ Wu ~ ~~ w 0", ~ ~~ ~ ~ @25 ~ ~ ~~ ~ ll. ~~ tl o >-0 ~ ~fE 1,'[01, A~jJ S POSTAGE u. 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SHERIFF'S RETURN - REGULAR CASE NO; 2004-01512 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ORRSTOWN BANK VS DEITCH DENNIS G ET AL SHANNON SHERTZER , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon DEITCH DENNIS G the at 1644:00 HOURS, on the 21st day of April , 2004 DEFENDANT at 136 GREASON ROAD CARLISLE, PA 17013 DENNIS DEITCH by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 4.14 .00 10.00 .00 32.14 Sworn and Subscribed to before me this .;(a't day of ~.~ .;LlJO'/ A.D. ~ .;1 ~ (l /v-W..Q'-<..-' A Mr:... IProthonotary .-r-' So Answers: r~~ R. Thomas Kline 04/22/2004 OBRIEN BARIC SCHERER By: ~ Deputy She SHERIFF'S RETURN - REGULAR CASE NO; 2004-01512 P COMMONWEALTH OF PENNSYLVANIA; COUNTY OF CUMBERLAND ORRSTOWN BANK VS DEITCH DENNIS G ET AL SHANNON SHERTZER , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE DEITCH SHARON L was served upon the DEFENDANT at 1644;00 HOURS, on the 21st day of April 2004 at 136 GREASON ROAD CARLISLE, PA 17013 DENNIS DEITCH, HUSBAND by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 6.00 .00 .00 10.00 .00 16.00 Sworn and Subscribed to before me this ;{ g ~ day of ~ . ;).1J7J'f A.D. l__)' ~ Q n...~ ,,~. 1~~thonotary , -, . I So Answers; ~~~~<:?~ R. Thomas Kline 04/22/2004 OBRIEN BARIC SCHERER By; ~l Deputy Sheri II ORRSTOWN BANK, 77 EAST KING STREET SHIPPENSBURG, PA 17257, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 2004- 1512 CIVIL ACTION CIV1L ACTION-LAW DENNIS G. DEITCH and SHARON L. DEITCH, husband and wife, 136 GREASON ROAD CARLISLE, PA 17013, Defendants. PRAECIPE TO DISCONTINUE TO THE PROTHONOTARY: Kindly mark the above-captioned action as having been settled and discontinued without prejudice. Respectfully submitted, i II dab.dir/orrstown bankldeitcb/2004/discontin ue2. pra David A. Baric, Esquire I.D.44853 19 West South Street Carlisle, Pennsylvania 17013 (717) 249-6873 Attorney for Plaintiff, Orrstown Bank CERTIFICATE OF SERVICE I hereby certifY that on November 1,2005, I, David A. Baric, Esquire of O'Brien, Baric & Scherer, did serve a copy ofthe Praecipe To Discontinue, by first class U.S. mail, postage prepaid, to the party listed below, as follows: Ii I I, I' 'I II 'I I II II I' 1\ I, I i I David A. Baric, Esquire Q ~ -'()c;,:, r"'\"HT '-/-,; ~?i~' U~", ~\ P.C~ ~ .", ,..., g oJ' ;;r: ~ I . ( "'" -.. -~ S; o a> ~ .-\ :l::-n en? -o.m '1'C[ (2,,) '''T:~H t:~~C) ~rn ~~? ?i