HomeMy WebLinkAbout04-2108
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N,A.
Plaintiff,
v.
JAMES A. CHALFIN,
an individual,
Defendant.
TO, DEFENDANT
YOU ARE HEREBY NOTIFIED TO FILE A
WRITTEN RESPONSE TO THE ENCLOSED
CQMPLAINT WITHIN TWENTY (20) DAYS FROM
SERVICE HEREOF OR A JUDGMENT MAY BE
ENTERED AGAINST YOU.
SHERRARD, GERMAN & KELLY, P.C.
~I
~NEYS FOR PLAINTIFF~
I HEREBY CERTIFY THE ADDRESS OF
PLAINTIFF IS,
1100 Wehrle Drive, 2nd Floor,
Williamsville, NY 142221
AND THE DEFENDANT IS,
1 Mountain Street C,
Mount Holly Springs, PA 17065
By:
SHERRARD, GERMAN & KELLY, P.C.
BY,
CERTIFICATION OF LOCATION:
I HEREBY CERTIFY THAT THE LOCATION OF
THE REAL ESTATE AFFECTED BY THIS LIEN
IS, TOWNSHIP OF SOUTH MIDDkETON
BY,
~N ~ ~CC,
RNEYS FOR PLAINT:FF
P.C.
NO. CL./ - O1.JcR
~\u\L~~~
TYPE OF PLEADING:
CIVIL ACTION COMPLAINT
IN MORTGAGE FORECLOSURE
FILED ON BEHALF OF PLAINTIFF:
MANUFACTURERS AND TRADERS
TRUST CO.
COUNSEL OF RECORD FOR THIS
PARTY:
PAUL DAVID BURKE, ESQUIRE
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm #006
28TH FLOOR, TWO PNC PLAZA
PITTSBURGH, PA 15222
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. D4 - ;)..10 P
(!'-u.L c,-""1
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by
attorney and filing in 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 TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
Telephone No.
(800) 990-9108
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff,
NO. DL.f - ~..I0J>
e'u~L~~
v.
JAMES A. CHALFIN,
an individual,
Defendant.
CIVIL ACTION - COMPLAINT IN MORTGAGR FORECLOSURE
And now, comes Plaintiff, MANUFACTURERS AND TRADERS TRUST CO.
d/b/a M & T BANK, by and through its attorneys, Sherrard, German &
Kelly, P.C., and files this Complaint in Mortgage Foreclosure as
follows:
1. The Plaintiff is MANUFACTURERS AND TRADERS TRUST CO.
d/b/a M & T BANK, successor in interest to FINANCIAL TRUST CO. and
KEYSTONE FINANCIAL BANK, N.A., which has its principal place of
business at 1100 Wehrle Drive, 2nd Floor, Williamsville, New York
142221.
2. The Defendant, JAMES A. CHALFIN, is an individual,
residing within the Commonwealth of Pennsylvania at 1 Mountain
Street C, Mount Holly Springs, Pennsylvania 17065.
3. On or about August 4, 1997, the Defendant, JAMES A,
CHALFIN, executed a Line of Credit Agreement ("Agreement") in favor
of FINANCIAL TRUST CO., in the original principal amount of
$80,000.00.
4. On or about August 4, 1997, as security for payment of
the aforesaid Agreement, The Defendant, JAMES A. CHALFIN, made,
executed and delivered to FINANCIAL TRUST CO. an Open End Mortgage
in the original principal amount of $80,000.00 on the premises
hereinafter described, said Mortgage being recorded in the Office
of the Recorder of Deeds of Cumberland County on August 19, 1997,
in Mortgage Book Volume 1400, page 133. A true and correct copy of
said Mortgage containing a description of the premises subject to
said Mortgage is marked Exhibit "A", attached hereto and made a
part hereof.
5. On or about August la, 1999 the Defendant, JAMES A.
CHALFIN, executed a Home Equity Line of Credit ("Note") in favor of
KEYSTONE FINANCIAL BANK, N.A., in the original principal amount of
$100,000.00. A true and correct copy of said Note is marked
Exhibit "B", attached hereto and made a part hereof.
6. On or about June 24, 1999, as security for payment of the
aforesaid Note, the Defendant, JAMES A. CHALFIN, made, executed and
delivered to KEYSTONE FINANCIAL BANK, N.A. an Open End Mortgage in
the original principal amount of $100,000.00 on the premises
hereinafter described, said Mortgage being recorded in the Office
of the Recorder of Deeds of Cumberland County on August 24, 1999,
in Mortgage Book Volume 1566, page 95. A true and correct copy of
said Mortgage containing a description of the premises subject to
said Mortgage is marked Exhibit "C", attached hereto and made a
part hereof.
7. The Defendant, JAMES A. CHALFIN, is the record and real
owner of the aforesaid mortgaged premises.
8. The Defendant is in default under the terms of the
aforesaid Note, Agreement and Mortgages for, inter alia, failure to
pay the monthly installments of principal and interest on said Note
and Agreement when due.
9. Plaintiff is the successor in the interest to both
Financial Trust Co, And Keystone Financial Bank, N.A.
10. Demand for payment has been made upon the Defendant by
Plaintiff, but the Defendant has failed or refused to pay.
11. On or about March 22, 2004, the Defendant was mailed
Notice of Homeowner's Emergency Mortgage Assistance Act of 1983, in
compliance with the Homeowner's Emergency Mortgage Assistance Act,
Act 91 of 1983. A true and correct copy of said Notice is marked
Exhibit "D", attached hereto and made a part hereof.
12. On or about March 22, 2004, the Defendant was mailed
Notice of Intention to Foreclose Mortgage in compliance with Act 6
of 1974, 41 P.S. 101, et seq.
A true and correct copy of said
Notice is marked Exhibit "E", attached hereto and made a part
hereof.
13. The amount due and owing Plaintiff by the Defendant is as
follows:
Principal
Interest thru 4/30/04
Late Charges thru 4/30/04
TOTAL
$79,886.48
$ 3,107.79
S 478.90
$83,473.17
Principal
Interest thru 4/30/04
Late Charges thru 4/30/04
TOTAL
TOTAL
$ 99,925.28
$ 2,644.79
S 100.00
$102,670.07
$186,143.24
WHEREFORE, Plaintiff demands judgment in mortgage foreclosure
for the amount due of $186,143.24 with interest on the aggregate
principal amount thereof ($179,811.76) at the rate of $22.92 per
diem from April 30, 2004, plus costs (including increases in escrow
deficiency) additional late charges, legal fees and for foreclosure
and sale of the mortgaged premises.
SHERRARD, GERMAN & KELLY, P.C.
1 David Burke, Esquire
a. I.D. #34960
Attorneys for Plaintiff
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
Exhibit I1AII
.t ';l.)- ')-Il<{
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RECORDATION REQUESTED BY:
FlnenciId' 'Tru.. cOmpany
,:One w. High Slr..t
,CarlI*, PA -17013' - .
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WHEN RECORDED MAil. TO:
Fln.ncta. Tru" ,COmpany
'. '-. ..n._"'__CJlJ""~&=="__~'
_____~_. ~rfir4~7u~~ - ,....." ,., .
'"
AI'18
'f9
. - -,
. Jo~s A~ Chelft,n .
" 2 ~~_i1y 'COurt'
,~rll~..PA:, -17013
i",)t:.~~r:~;~':
_..-- ~;i..'c:
, ,-' -'-:' ,,' '-, ' ,-
'" ~PACE. ABOY~.!t:'IS LINE IS FOR-RECORDER'S USE ONLY
. . OPEN - END MORTGAGE .
THIS MORTGAGE SECURES FUTURE ADVANCES
. '-, - , -' ',. - "- ,," -. - ,..- -', ','-, :--' -- .. -' ,': ,-" - " '- '".; "- "':, 0 ." ' , . - , , ~ , .
THiS MORTGAGE IS DAlEO AUGUST 4, 1997, between Jlmes A. Chslfin, owner(l) In fee simple, whose Iddress
'is 2 UbertY Court, Csrllsle, PA 17013 (referred to' below' IS "Grsnlor"); and Finsnclll Trust Compsny,. whose
. address is One Wesl.Hlgh Slreel, Clrllsle, PA 17013 (referred to. below IS "lender").
" , - ,. ,- -, - .
' "-": '- -"- -.:- .,-'-;-... -" -:-"." . -', .
GRANT :OF ,_MORTG-';GE;, For valuable consl,dera1l0n',~' Granlor' grants,' bargains, Jells; 'conveys,: assigns, transfers, releases, confirms and
' mortgages 10 Lender all ,o~ Grantor's right,,1itle; i!nd in1e;rest-in a~d ,to the fOllow,lng desC!:ibed (_eal property,'logether WIth all el(istlng or subsequently
sreeted 'pr' affixed" buildings. improveme!'lts: an_d; fixture~:- aU, streets; ,lane$,' al1eys,_ passages, and-ways; all easements. rlghls of_"way" all liberties,
:Prt\fiteges.:'-_lenements,..: he~ei:ljtame"ts;:-: and _ apPLlrtena!'1:ce_s ',thereunto belonging or, an~rse ~ade appurtenant hereafter, :and the reverslOJ1S and,
',.' remainde,i W.il~ 'respeellherlltlo; all -water "waler ,rightS.;' :walercClurses ''Bnd 'ditCh.rig/;lts '(including stock ,in utilities wilh dilch or _lingalion rights): and all'
'oiher nghls,__f()yalties._a~c:t,prOfi,ts relat,"g 10-]~El'reat'~,roper:ty,,i~CI~di-"g Viil,hout?lrnilation all m_inerals,,'oiI1 gas, geolh8l:mal.and:SlmiJar maners. located
'In Cumberlill;d County; Commonwealth ,of Pennsylvlnls(lhe "Re.(Properly"):' .
":' . ';".'i: ".~-,-_;;<-,: -.. -, ::',_, _',-:" _,__",:.:.,' "::-:-:: ,>,_',,', .:- '--" ,-, ,,', ", "'''_': - ' ,,",,'-, '-,',_"
....DeedBook:'46 Page: Bo9""','. ..... ......... .' ':..' ,TownShlp:SoulhMiddletonTwp
'TheReIIPro'perty or Its addresS IS'ec,mmonly'known 1.2 LibertYCoui1, Clrllsle; PA 17013.
Grantor pre~~tly --.iSigns: t~'-l~nde~ '~ll: of' G.rari_i_~r's 'r~h,I,-"liile, and inle~es'l in -a~d" t~ :.rr'lease:s 'of the 'Property and 'all RenlS from'the Property. In
,_add_!liof'l, Granlor gr~n_ts 10, Lender a U~~I,O~~ C9!'1merclal,:C?de '~ecUrity interest in_l~e ~onal_ pr~pe_rty and Rents__ _ . _, _ '
DEFINIT!ONS"ThO,following words shall tlav~ lh'e tOllowj~g meani~s when used m.lhis Mortgage. Terms nol otherwise gefrned in this Mortgage shan
have ItJe .meanings attributed 10 such terms in the Uniform CommercIal Code. ,AU ref~~,ne_es 10,dollar amqunts _Shall mean' amounts In laWful money of
IheU~i'ed~laleH~I,ArrienC!l', '_ ',,::..' '_'_ '." _"', '__ ,,_'..,:_ ',,,_ ,_,,'
. Credit Agreement The wordS'~redJt AgireemEtnl\mean the .revolVing line of credit agreement _dated August 4, ._1997. between Lender and
'Grantor wlth..8_ credit limit of $~O,OOC),OO'iIOgether with an renewals, of, extensions 01, modlficallons ot,_refinancings of, consoHdallons of.
andsubs!itu!lo,ns lor Ihe Credil AQreement..:::, '" _"" c', ,,_ ",' _, ,,'
Granlor.':T~e \N~rd-~Grarltor"' ~~_~n_s ,James,A_:"~h~~,f1n." Th~ ,_Gtanl~r ,is,lhe 'morl,gagor u~,d~,r I~is Morlgage.
,'G~a.raJ:ltor'..,;The' 'lItor.d _"'Guaranld~ _mea_ns 8!"P i,:!cludes, '~Jith9_utl.!.mltalion -eac~ an~ a_n, ~, the ,guarantOr5;, sureties, and accommodation, parties in
'C~lln~iO~~,\t~:t:h~,ln~eble~ness."" ;,:;',__,.',-,:,_>" ....,_,.., : ",':. ,: :,"_ .,..'__,':_'_ '_"_~_ ' .
. im_pro-vements:._ :.The word "lml'roven;eni5~ :rne",ns 'a'n_d includes wilhout iimitaiion' all existing and luIung improvements, bui_ldlngs, struclures
:moblle h~~e~ affrxed on_the Real P~opei1y" f,crtihi!s" ,a,~,~.Uons. rep~aceme,~ts, ~rid..other construction on the Real ProPer'1Y. , '
Indebtedness." The wo'rd ~lndebted'ness~ means':.1l 'prtncipJ,-1 .up to ~sci,ooo.oo outslan~jng 'under lhe Note al any time and interest payable under
the CredIt 'Agree~_enl and any amounts expended or_ advanced by Lender, 10 diseharge obligalions 01 Granlor or expenses'incurred by Lender to
enforce obligations of Grantor under Ihis Mortgage, logether with Inlerest on such ilmounls as prOVided in Ihis Mortgage. SpeCifically, without
limitation, Ihls Mortgage secures,] (eVOlving line Of_credlt,-Whlch obligates Lender to make Ildvances 10 GrantOf unless Granlor lalls to
comply with ~llhe terms 01 the Cre!:il' Agreemenl., -Su,ch',ad,vancu,may be mlld~, repaid, and remade from 1lme: 10 lime, subiectto .he
Umltatlon 1hat the total outstandll)g ~ance: ,ow_lng at any one,.tlme,'notlncludlng finance charges on such bt:lance" a fixed or variable
rate or Sum as provided In the Credll Agreement,'_any lemporarY overages,,-other'charges, and any amounls expended or advanced as
provided In this paragraph, shall not_exCeed the_Cr.ec:llt Urnll ~-provl,ded iillhe Credit Agreement-, Ills the Intention of Gra,nto;- and
len~er_ that t~iI; Mp'1pge)eeures'the ,balance outstandln",.under the Credit ""reement from, lime 10' 1_lme from zero up to the Credit Urnll
as prOVI~ed above_ and- any Intermediate. baI~nce, plus tnte,r,est., The liens' end security Interests createel_pursuant to this Mortgage
c_ove~ng ,the, Inde~tedness: ~hlch ~ay be ~r~!ed In ~,he ~!ure ah~.1I r.elele bade to the ~ale of Ihls Mortgage. '.
Lender. ,The ~ord "'lender'" meanS Financial Tru~_t Co~pany. lis SlJcceSSO_r5 and assigns: The Lender is lhe mortgagee under this Mortg~ge_
~ortgoge. ,The werd ~MorIgagEt means Ihis Mortgage between Granlor and lender, and inclUdes without limitation all assignments and security
mterest prOVISions relaling to lhe Personal Property and Renls. , .
Personal Property_, 'The words "PersotlOl Pro'perty"" mean all equipment. 'l.ldureS, and other articles of personal proper1y now or hereafter owned
by Graolor, and now 0'- her~afle' allached or affIxed 10 the Real Property: together with all accession:., parts, and addilions to, all replacements 01,
and a.1I swbstllul!ons lor, any ot sL,,::h property: aod logether wllh all proceeds (inctvding wilhoullimilalion all insurance proceeds and refunds Of
tllemll,Jms) 1rom any sale or olner diSpOSItIon of Ihe Properly.
Property. The word "Proper1y"' means coUecllvely the Real Property and the Personal Property. BOOK 1400 ,jGE 133
,. Real Prgperiy. The wora~ "'Real Property" mean !he property, Inleresls and nghls described above in the "Uran\ of Mortgage~ section.
, Rel.led Documents. fhe wO'ds "'Related Oocuments~ mean and include without linltlation atl promissory noles, credit agreemenls, loan
MORTGAGE
(ConUnued)
Pege 2
agreements,: ~,!"ntal.gre8ments:. QUI,tanties;:siteurity,tgre,ments, mortgl9U. d8edS. (f. tni,t, and a" 01"-' inslrumElnls,' agreements and
doculTl&n~: ~ther' now or h8r.."er,8XisliryQ':4tX8Cut~ in ~nnec1lonwlth 1he indebtedness;
Renls. Tl:le WOrd '1"lents" means .n 'present Ind future rents. revenues. income, ISSUes. royAniGs. p'rofits. 'r'ld other benefits deriV8Q from ttle
Property,
THISMOl:lTGAGE~INCLIJOIHG TffEASSIGH~';'T OF ~EJffSA..bT~,SeCURln INTEREST IN THEf:lENTS AND PERSONAL PROPERTY, 15
:GIVEN TOSEC...E -'>(1) PAYMENT OF THE INDEBTEDNESS AND(2l PERFORMANCE OF AU. OBLIGATIONS_ OF 9R_ANTOR UNDER THI!i
_~~~~~1I-I1OO,._~A-l~T~A~I1l:~1~~rt~n~:~~nlTQW~=~AO':~:::=~___-====-~_ =--=:::_:.=:-:
"':-'.Y~F.:~~_~~:~~~~_~~-r-:-~~~~,~. ~lk~~~_~,9:'~.i~~~I~~'t~_~Q"':~~~':"~~t,,,~",,~~~:,..~k'~'-"-~r"'h~,~"~1U';W"
"B$tneY~ec:orT1tt~ue!'!1d"Sha~ .strict1~ perform .n ,01 ,~r.nIOf" ~ligatiomj_Yr\derthls_,~o~gage, -_ ,,-', ' , ',' _::
"'POSSESSION~D'MAtN'rENANCE ~,1'",HE P~O~ERTY~',Gr.nlor .grees Iha_IGranlor's possesslo~and use of I~ Propenyshall,be goverO(fd bYlhe
1!)l~O~jng"pr()~~~~:c',_',,:/ , "",'_''-,:,,',:,,;,,:,_,:,':,',,-_:,,--':' "_-',", ''''' ,_', :_ _' ,"'-'<_:
-:po~of1 '6I1dUSe_." UnIiUnd~la~lI. G~a~I,~_r": may ~rT1~II1' in PO$seSS,ll)l'land CC)~_t~~:of,an~, ~p~rate and rna~age the Prope~ ancfconeelIhe':
R_el1~~o_~,~,,,~r~perw,,_ .',,_..,."",- "'_-";_':--::':""'.; '(:<"::>,,._'-_. " ': _.-""'<--: ," ':'__:'" - ,:' , ,"
,.,OUty.tO~~.IIlt81n..-Gra"lnrShS.I!' inain~i~_'''he 'rroperty jn,t~nan~bleconOilion and pr_omplly p_erformalJ repairs:-replacernents. and mainlenar.ce
';n~~rr"I~~~~rVe-/tsva:ue.,,_','_"---,--, ',' ,,','.-.,,' "','" .," ",'" __,-:'
HaZaf-dOlls'!:SU'Dsi~.,- ,The, tlefmSi 'lla~rdOI.lSWaste.~; ~h8Z8rdOlJS "substance.....dlspOSBt.~ ~relea.se,~ and 'hreatened release.~ as used in Ihl!;,
Mo~age.slw,n,have:the _sa':11e meanings -as sel fOrih,i.n the, Cornpr.~o!nsrve E~lIironmental Response, Compensation, and Liability Ac:1 01 1980, as
.amende~;~042::U,S;C; ,:"Seclion,9601.; Elt .SElQ.:("C:ERCLA")._the .sUpet1und, Amendments andR_BButhonzatlon Act of __1986. Pub. L No, 99-499
: (~SAI=lA~J;the:~azarc!ous Materials TransporiatiOol Act,A9 U.S.C. section, 180,1; el-~q;,theR8$ource Conservation Incl F1ecovery Act, 42 U.S.C.
SectiOI'l 6901,,:el:seq., :Or_:other, applicable ,state orF.d~a_'I~ws, ,rul8s.Of, regulations adoptedpursuanf 10 any 01 the foregoing. The terms
~_ha:za,rdouS:w~le~al'td,,1'&Drdous subslal'tC8"shah.l~inClLida. withoulHmilalipn; pelroleumand petroleumby-'producls or any Iractionth8fE:o'
an~asbestos,,:,(3ra'r1I()l'_ represents a.,d warranls, to Lel1der:tliat::. (alOu_ring Ihe periCldol Grantor's ownership of the Property, there has been no
',u5e,generaticn,. ~anufac:ture. slorage. treatm~nl. disposal; release or IhrB8.~ned.release of any hazardous waste or_subslance t';i' any person on,
-underi,abovi _Of 'from:lhe :'~operty; .. {b).Granlor hIlS ,no. k_no""ledge of, or rea~()n tobetievelhal, thltfe has been, .exceplas previously disclosed to
,and'8pk,nowle~gedby't.enderjn writing, (I) a~~ use;:ge,rl8Tation. marll.llaclure, slorage.treallT\dnt,_dlsposal',relea$8. OIlhrealened release of any
. 'hazardol,/$~'Waste.;or_substance orl_' 'uflder,!l~oql,or,from,the 'Prop~'by'anyprioro.....ntmi or:occupantsof the Prop,ertyor (fi) allV actual or
threat~~d)iliga1_ion_ or,clairnSof any,kind _~y, :any person rela'i~g,t.osuchmatt9fS;:a_nd,(cl Exc;eplasprevi()usly di$CJosed 10 ~nd acknowle~ged -by
:Lend.<<t_r !,~. w~ting;,(i):'n.nhe(G~anlor 'nat:,ny le!"a~l, :cC!nlr~lor,ageinl: or'olhera(JthoriUl,d user of the property:shaUuse,'genera_te, manufacture,
.,sto~e, ~r88t,:~isPo.sed;,:,r-release :'anYhazardousWas\l!i :gr :subsl!ln~e, on,under"about -or _'rQm,: lhIl!P~operty. and", (ll)any,suc~,activity. shall be
, conducl_8!d.,jl)_col1:lpli8~ee 'Will1all _applicable federal,:s:!a,le~,:~l;nd'local, Jaws,. regulations'and ordinances,. including. wilhoul)imilalion those I&ws~
;reQLJ\ations:;andordiNlJ'\CeS de$Cfibed,abov8;Cir~nto,r'~lJlh:orizeS. [en_der.an-d_ Its agent~ to ent~L!JPC)n the Propenyto make suc~insPElClions e.nd
'le.sts',:al-:(3rafltor:~_e~ense,_asLend~r-!"8Y; .deem. appir,~P'f'ale ..10 :~eter,mine compl~lJce ..ollhe Proper1Y wjj~: IhissectiOIJ,oflhe Mortgage. ,:Any
inspection_s,or,t~tsrn_ade by Lender, sh~U_be tor Lender'S:PUrposes only and_ sh~ltnol. bEl construed ,10 create any responsibibtyor Ua,billty. on.the-"
J:'art'of Lender to 'Gr.llnlor::-or 10 any other PEirson. _,Therepr6sen~tions 'andwar.rant~ contained htirein are baS~d on Grantor's due diligence in:,
rnvestigating,thfl f'ropefttlor hazardous waste and hazardoussubstatICes.- Granlor-hereby,{l) releases an_d:waives Bny .future claims against
Lenderfor_indemnilyor contiibullon in Ihe, ellenl. Granlor, becomes Ilab,le for cleanup 'or other cosls under any such Jaws, and. -(b) agrees 10
rndemnifyar'ldhold, h.:frmless Lender,againsl any and a~ claims, losses. liabililiEtS, damages; pen,llies. and ex:perrses which Lender may direclly or:
indirectly sustain or' sufl8r,resulting trOlTl.8 ',breach ot Ihls ,section. ot Ihe Mortgage or. as. a_ consequence 01. any uss.generation.'. manufacture,
storage" disposal,relea!j€tor threalened release occurring priOr. 10_ Grantor's ownership or inleri:lsl in, lhe Property, whelneror nol,the same was or
ShoUld have bee,n,knpwn, 10 Grentor.' The proVisions'ol..lhis sectional Ihe Mortgage, Including lhe obllgetionto indemnify. shall survive the
payment-of:.!he Indebtednsssand Ihe satisfaclionand reconveyance ollne lien ollhis Mortgage and_shall noJ be,effecled by lender's acquisition
of any m'er~llnl~ep~ope!1Y, wh~thertly forf)C'osure or 0Ihe~i5e:
NUI,sa,nce,~aste.Grantor shall not cause. conduct, or permitanynulsa,nce nor com~il, ~ermit. or suffer any stripping 01 Of waste on or 10 the
Property orallY portion. of the Propsrl>:.... WilholJlllmilinglhe: generalIty of_ lheloregoing, Grantor will nol remO\l8, or grant 10 any'other party the
ng~:U~,~~~V4!~:,,~n.y.-,I:iT,br.!f'_T!Il8,~~ls {in~I,~~ing~l_e,~~_ga~\S~I, g~all~[ or rock I'rOductswilhout!he prior'N~~~n cons~nt ,of Len~r~
~emovarOf hnprovl!Ht'Ie...la, ,Granier snail not dftl"nOllsh or remove anylmprovsments 'trom_the Real Propertywilhout the prior wriUen coosBnl'ol
Lender~-;~, aCPllditlo" 10 :fhe removal Ofanylmprovements,_L.ender, mar reqUIre Gra~lor to make arrangements: salislac:tory 10 Lender 10 replace
suc~ Imp~~'~I11I1~ts y.;th,i~prov~~nls of at, 1e~~I:equ~1 valUfJ' -,'.' _-''-:' '. "'n' .. '" ". _ '_ :':_,
lendU'S Righi 10 Enler.Lender and itsagen_ls and representatives .mayenler upon Ihe F1eal Property al all reasonable limes 10 a.Uend 10
Lender'sJ~I~res,I_S ~ndloinsPecl,!,he_ P~operty lor,purposes,ol Grantor~s c_omPli~nce with the term$ and C:,onditions ollhis Mortgege.
Comp!l,."ce with Go~emmenl.t Requirement.. Grantor shall promp"v comply with al1l&ws, ordinances, and regulalicns, nowor heresflerjn
effecl; 01 ~II governmenlal ,,:uthorilies applicable to lhe use or ~upan9Y of the Propeftt.Granformay conlesl in good faith any such Jaw,
ordInance, or regulation and Withhold compliance dunng any proceeding, Including approprlate_ appeals. so long as Granlor has (Iolilied Lender in
writing prior 10 dOing so and s_o long as, in Lender's -solo opinion, lender's Interests in the Property are not jeopardized. lender may require
Grantor 10 post,adeQuate secunly or a surety bo.nd. reasonably ~tlsfa~tory 10 Lender,le protec~ Lender's interest.
Duty 10 ,Pro.tect~ - Grantor agrees neIther to. ,abandon nor lealle unallended, the Property. Granlt,t,' stllll do all other acts, 'in addition to. lho58 acis
:;etlOr1~.abo-,~~j'llt;lis secbon, whICh lrornlhe ch.~acl~r~~duse,ollhe.Property, are, reas~rlBblY necessary 10 prot9C1 and preserve the Property.
DUE- ON SALE ,:,"^COIll,SENT BY LENDER. Lender m.y, allls oplion.declare immedllleJy due and payable all sums secured by Ihis'Mortgageupon the
sale ortransler;.wilhOut the Lender's prior wntten cpnsent. 01 all or any part or lhe F1eal Property. or any inlerest in Ihe Real Property. A "sale or
transter" 'means Ihecon\leyanee of Real p(Oper1y or any nghl, lilIe. or Interest therein; whether legal. beneficiat or equitable; whelher Voluntary or
If'lvo.li,lntary; whether by outright sale. ~d, Installment sale contract, land contracl. conllael lor deed,leesehold inleresl wllh . lerm greater thin lhree
13) -years.lease-ophonconlract. Of by &ale. assignment, or transler 01 any berl9ficl81 interest in or to any land trust holding tille to the Real Property. or
01' any other method ot con\leyance of F1eal PropertYlnl8!rest. II any Granlor is a e-orporalion. partnership or limited Iiabilily company, Iran$ler also
Includes any change In OWn&lShlp 0.1 more lhan twenty-live percenl (25%) of the voting stock, partnership inleresls or limited liability company interests,
a_s the case may, be. 01 Grantor. HowellSr. lhls optlonshetlnolbe exerCIsed by Lender if such exercrse is prohibited by lederallaw or by Pennsylvania
~w
TAXES AND LIENS. The tollowing proviSIons r&Jabng 10 the taxes arid liens onlhe Property are a part of th:s M0r1gadlOOk1400 rAGE 134
.. Payment GraniC! shaU pay wnen due (and in .11 events priodo delinquency) all taxes. payroll taxes. spec_iel taxes. assessments, waier charges
and sewer ~lCe charges lellleC! against or on account of the ,Property, and shall pay when due all ClaIms for work done Orl or lor ~r>lices
,(enOeled or malenallufnished 10 the Property. Granlor shall ms-mla.n the Property tree of all hens havinr pnority over or equal 10 IheinferS!.t of
i.ender under fhis Mor1gage, ex.ceptlor the hen 01 taxes and assessments not dUB, and except as otherwise provided in lhe following paragraph
MORTGAGE
, (ConUnued)
Page 3
fti.,..:To Coftlell,:'Grantor may withhold pavmerrt of arty tax":~&menl.,or ct&im in 'connection with. good faith ,disPute, over ,the obligatIOfl'lo'
~y~ so ll:mg8s:lend8r'S interes1 in the Property IS 110t ",opardlZ8d. II a lien arises-oris tiled ~s ,result ~ nonpayment, Gra!'rtor shall withl," ,fineen
(f5l,daYSi.fter the, jlen_rises or. if a lien is filed. ~thln .fH'leen t15) days aft.,. Granlor t\asnotlCe 01 the f1UnQ'_sec:ur. the dlsc.~rge ollne hen: ~I!
/i8Quesl$d by"lender. depoSit with Lendercas~ or ..sutfic;:ienl corporate surety bond or oln.r S8Curilysatislaetory;to Lender In an amouill S~tfIC:~r::
to di5cl'l&rgelhe'lien plus any costs andartorneys'feesor olher eha'lil8S lnal could. ac:crU8 as a result of a forecles:Uf1t or ~Ie under Ihellen., In
"'nycori~t,-Granlor shalldelend'itseUand I..Bnderand shaU satisfy any 'adverse judgn:"&nl belor. enlorC8me...l.galnsll~e !=Iroperty. Grllnlor_Shall
namet:en~r'$a~:a~djllonal obllgoe L1n6ef'.~_y "su~ety ~O~d,lur~ls,hed in _the conlest Pf0C88di~gS, ", ,,' _ ''''' -
,'EvldtnM 0:' PeylMnt: G....I!ll' ,.,~. .JFO': dt.:!!~d furnish '0 L8rdar sa~~'w=!~l_!.~. Y..8. (/_~,,,.l. :,::.~u! :::!Ll!!,!'!. ~P~~-U:~~'i:81~:,:::-':;
\...."...,... i ,. .................. ......'8;01 i'll: .:1... ::::l .... "\."~L. i... 1..11I...., ,.. II, , .., _ II ......3,:-1"IiI,1III t. I. Jf. ,1I....1i ~..c! aliM."'.:'I.leiJ" .". .r.,
_____...:~:':XlB~. . . --.-.-----------------..------~.-
Nottce: Ofc:ontlrucllon." 'Granlor ,ShaUl ,gtity lender 81'I8ast fiftHn (15) daYs' betore any work is ccm~nced. any-serVIces, are furniShed,orany
"materials are suppiiedto Ihe Property~ 'if any'mechanlr:;'s,_lian, ~lerialrnen's lien, ofolher lien co.uld be asseried, cnaccounl olttle work;serviees,
or 'lTlateria1Si_&nd ,the: cC$1 exceeds $5.000JJO.,-Grantor:wl1l ;LlPon re~uesto' Lenderfuml5~, 10 Lenc1e_r advlI_nce assurallCes, sall$lactOfy tD lender
'~~_,Gra.n~o.r_t:8.I1_~~~_wfUp.ly'n)e.c~~~ ~I"~,~l?h.;irpr_~~n~.',,,:,: :,":;,;::"" " ,:,:,; :,' ::':::.-:;', ,,',' ,,'__, :':-:.>.
~';'pFi~p~ft!Y :,~~..~GIE-"I~~UflANc;E.T~~-'0110~:~'p~yi~I,~ns,: r~I'tin.g:lo i~sUri~g_ lhep,ro~rty.~ a part:Olthis'uor.gage. _" . . :: " ._'
.('~,;Wk.I~Ier;~ ofl~.:u~Mce, Gra:ntor'ShailprciCll;e"8:n~~i,nt8in:'POliCieS 01 fire insurance with standard extended COv8rage-a~do_r!oements'~n-'
. 'rep~",_el'1t basis;for;the}Ullinsurab18 v_,lue :covering 'aILlmproveme:t1s on the Real Property'in an amount sufficient to avoid s.ppllcationC)1 any
-eojnsu~~ce-CIause;and,wi:h & standard _mongagellelauSe in (avor of lender;. 'Polic~shail be written by such insurance companies and in such
\:farrn 'as';:msY'be- reasonably _8CC8ptabl_eI0 ,lef'ljjer;;:~Grantor shi.lldellver, 10 lender. certlficales olcoverllge. fr'omeact) irlsurer .contai"ing a
, stipul.tio'r1 thai 'coVer,!ge will i'lol.beeancslled or diminished withouta'mlnlmum often:(l.o) days' prior written. notice 10 Lender and not containing
any disctairT1er 'ofOtheinsurer~s llablUIy. f!)l:"'falluri.t to give, such. notice.., : Each insurance. pOlicy also shall Include an endorsement providing Ihat
_coveragiHn"'4voro~Lender wiU,_n()t be:impaire(l_lna~y';way by any act, 'ol1'lission Of dlil!aull_of GrantOf Of anyo-ther pers,o,n. Shoukl tne Real
Fropertyal.nytlme,b8Come .I(lCaled..lnan-"~,:deslgnaled.bythe Dir~tor of the FecieralEmergency Management Agency, as a spacl!ilflood
'-ha1.8t(i. area 'Grantor .gtees' to obtain and .meiniair).'Fel:ier81 Flood Insurahce for thEllull unpaid principal balance of fhe loan, up to the maximum
pOlicyUmits 'set un~'e.rth8N8tion~1 Flood Insur~nce ,Program, or asolherYJise required by Lender,llnd 10 maintain_such insurance for the ierm of
'lh~,I~a_~:::,:''':-_,'-:';:';':::,_:, >::::;'_>.<~,_::" '::_'~'::'_'-',_i" -,., , .. .... _' '.' '_
~ppll~,uon., ~f Proee'eds; ':Granlqr'shall, promptlynotitY Lender of _any, loss \.'Ir damage JOlheProperty if Iheesiirnated cost' 01" repair or
TE!;llaC8ITlEll1t~e8e9s:S50CtOO, . lender mllY: make proof ,01 loss il Grant,or lalls to do so Wl1h1n fifteen (15) days 01 IhecaSUally.,. Whelher or nol
. '~,end~r'S:~Urily isilTlpaired, LendElr mlly,atils J'tlec_lion"applythe proc.eedslolhe reducllonof the Indebledtless, payment 01 any liensffacting
me,pr,oplt/'t}',:oqt\e reslOfaJio,n and repair 01 the Prc.pe~:;)I.ILlInder,elecls lo_apply the proceeds to resloration and rep,atr. Grantor shall repair. or
'rei::!If!;C8' the- damaged or:deslr,?ved l~rovarnel'1~in::l,rry.nl1e'_satisfaclory 10 lender, lender shaU,upo_n _satlslacl()ty proof o~ such expenditure,
paY;(lr,re1~b~r:se.,GrllnJ,orfl"oml_hElPro:ceed$_for'lhe..re~onable 'cosl'ofrepair o~. resloration if Grantor. Is 1"101 in delaull hereunder. Anypr~eds
.w~Jch tlllVe,oot'~r'l dl$buTSed'WI!_hm 180 days aflerJheinecei!)1 and which ler'lde(llasnol commilled 10 the repair or restoraliclrI_ of the Property.
,s~sh:be ilseC::l,firstto paya'1Y'8T110unl.o",ing :to-Lfj:nderLlnderthis Mo'rtgage, Itle" to prepay accrued interest. and, ttleremainder.lf any; ,Shall be "
apphed!o,'-lhep'~ncipal balance ollhe Indebl",~ness; ".-'I,lender holds any proceeds 'atte~ payment in luU of Ihe Indebtedness, SUCh proceeds. shall
b~8~i,~J~G~~n,tOr:,',-,:.-:",,_ "'..':..';'-,:;,,:,-',:?,:::;"::"',:';,-:-",O ", . ,',:,: ":": .....:< . . ...... . _ '. .':
Unexpired lnaur",riceat Sale, Any unexpired'insurance ,shall inure' to the ben9lil of, and pass to,lhe purchaser of Ihe' Property covered by Ihis
~~~,a:ge,~t..,nYtrl!Slee's sal~ Of olhersa'a. h~ld u~~e_r:l~e prDvisio,nsof ~tllsMorlgagE!' or at any lorl~dosur8 sale 01 such Property.
EXPENDITUREs--,:~r-LEN'D~R"1f ~r8nlor tails to comply ",i1l'lany provision"o' this Mortgage,-or if any Bellon or proceeding is commenced thelwould
materialll'a~,Lilnder's, inlereslsin the Property,~enoeronGrs.ntor's behalf may, bul :shall "01 be, reQuired to, take any aclien IhatlendOr deems
appropriale'i,' Any .amount thai Lemier expends.ln s~ dOing. will bear inlerest .1 the rate provided for in the Credit Agreemenl from ,the 'dale incurred or
paid _tlvLender,to ,lhedale _Of repayment py Granlor" AltsuCh_ 9ltpenses,al Lander's, oplion, will (albe payablaondemand. (bJ. be added 10 the
bala~ce, ~I .thS'cre_dit)lne and be 'apportioned,arnonga"d be l?aya~l.withanyjnslallment p:8ymenls 1.0 become _due during either' (i) Ihe term' of anY"
apphcabl.e i"suranCfl_ policy' or _ (ii) lheremainlng ;term o,UheCrt!dil Agreemeot; or. (cl belreat.d as a balloon payment which will be due and payable at
the:,(;redit Agreement's: _maturity. -ThiS _Mortgage also Will "secure payment 01, _lhese amounts_. The rights provided lor in, this paragraphshitl. be in
ad~jlio_nlo 'anyolher. ~;~Isor ..any remedies _to,wh.ic:h lender"maVbe. enllUed on' a<;count 'of lhe default. Any such .8chOr'\by lender shall ,nOlbe
:con~lrue~_,as ,curlr)g')tjedefaullso.as _lobar,Und~r tron'l.any remedy that i1olh~rwis_e \",ould I'Iave~ ~ad. . Grantor'Sobligation to lender lorallsucl)
_expe~~,~.s_baU:siJrvtve!.h:~e~lrY'l)f ~n~,rp,o~g:llg~ 1?~I~U~jU~~rn~l'\t~):, -'", .:___~' _',','-'_:, .-'" .::,"
WARF:t:ANTVi,.[)EF~,NSE. 9fTITle, _ r~e.-'~HO:~I~g~rO_~5io~ rel~tin_gl,O own~_iship 01, th_ePrpperty are,a:plIrt of lhis Morlgage;-
Tlflie"GrantQrwarranjs thai: (alGranlor- holds go_od and marketable lilleof,record 10 thePropert)' in lee simple, free and cleaT of all liens and
enclllJ'1brllncesolher man, those sel IMh in the ~elll'Propertydescriphon orin any UlIe inSLlrance pOlicy, litle report, or finaltitla,opinion issued in
faVl:)r 01, 'andacceple,d b~, Lender in conneeljo:n wilhthis Mortgage, and (b) Granlor has lhelulf righi, power. and aulhority to execute and deliVer
!~IS Mortgage 10 L.ender.
De:~en$eof TlUe. Sutljecllo lhe exception in the paragraph above, Granlor warrants and will' lorever ~e!end!he lills 10 the Prop~rty againsl lhe
fawlul~laims of.U persons. In the !!,vent jny actIon or proceeding is commenced thai questions Granlor's tilll;li or the interest of Lender under this
Mortgage, GranlOl'shaJl defend the aellon al_Granlor's,_expense.Granlor maybelhe nom!nal party in such proceeding, but Lendershart be
'enlitl~d lo,participate In fhe proc:eeding and 10 be represented In the proceedmgby cl')unsel of Lender's own choICe, and Granl,or Will deliver, or
cause'jO, be delivered. to lenClers\Jc~ inslruments ~~ Lender ~y requesl trom Ilme,lolimeloparmil such pariicipation. '
c:.ompli.nce Wit.. Laws. Granlor warranlstha! the propert~ and Gr4nlor's use of the Property compiles with all existing applicable lawS.
ordln~,n_ces, and r~~lallo"s 01 governmenlal~U.thonlles.,'"
CONOE!""~~T,IO_N.,,Th_elollowing provislOnSrelati~g,to ~O,'dl!lmnalion oftheProperty ara a part ollhis Mortgage.
Application of Net Proceeds. II all or any part Of the' P-"operty is condemned by eminent domain proceedings or by any proceeding or purChase
l11).eu of condemnation, lender may at Its eJection reqUIre Ih81 all or any pOl1ion of lhe net proceeds of Ihe award be applied 10 lhalndebledness
or {ne repaIr or reslOfallon 01 lhe Property. Thenel proceeds Oflhl:r, award shall mean the award afler payment ot an aelual cosl$, expenses, and
.1l1o'ne)'$' fees Incurred by Lender m connection with Ihe condemnatIon. .
ProceecUngs. II .n-yproceed"'lil'incondemnation is llIed, Granlor shall promp"ynolify Lendor_ in writing, and Granlor shall promptly lake such
Slaps as may be necessary 10 dalena the action and obtain lhe award.. Grantor mey be the nomInal party in such proceedIng, bullender shall be
enlltled 1.0 par1lclpate In the pfuceedmg and 10 be, represenied in the proceedmg, by counsel of its own choice, and Granlor wi!; daliver or C6use 10
oeoe!lvered 10 Lender such 1I1shumenls as may be requesled by it from time 10 time to permit such parilclpalion.
~ . . .
IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAl AUTHORITIES. The lollowing prOVISions rslBlIng 10 governmental taxC5, lees
..n"charges. ale a part 01 !nlS Mortgage:
~ood400rAGE
135
, MORTGAGE
(CorrtlnU~d)
POlle.4
Curr~t :T"~- Fee.end.Charg..,:'Uponreq'uest bY'": ~nd..r.Gr.nlorshanexec'ut. such documents 'In '~dItiOn 10'IhlS' MOrtgage and I8ke
Wl'll.1eVer,~lher Ie-lion l~'reqt.iested by Lendtrlo ~I.ndconlin_ue Lender's lien o_n1~ Real Property. Grantor shan reimburse Landel' tor all
taxes~','.s'<,8SCIibed below, together wilh alltlxpensesineuned in recording, peffectll'lg'Ql'" eonll"uing Ihis Mortgage, including wllhout lIm1l.alion all
-"Wss:'fees.doeUme"tary Sl_~rnps,'" and, olher eharg_r.> ,for_r~ording or registeringlhis Mortgage. , ' " . , . , , '
,- Taxes;.The foIlowlngshall ~onstilul8 taxes 10 whictl1his: seCtion IPplies:(a) a sp8elflc:lax_upon thls'typa 01 Mortgage or upon all or any part of
,t~ :lndebl,ednBsS'S9CUredby this MOOgagEl; (b) a_~lflctax ~n GrantOf which Granlor is ilulhorized or required 10 deduct from payments on the
~lnde:blednSss. secured tw Ihis typeorMor1gj)oe;"lc)~ Ill( o_n Ihis type of MOl1Qaga Chargeable against the lender or the nolder 01 ,thef=tedlt
~Ac.__"""'Il.ind_{U),a~v.dCltaX::O!l=tft:.o(1'nr.:P:Orti.Q!!"Of-,th!t:l~!ednes~...9.!!:p'!y'ments:C~noi~~~~t.,.esJ-ma~:!~.r,ra~,!Ot -, --'_ ,""""",=-::,::'::-
oi;.jl"~I"nl ;liiv....IAny~lITn~lWD.Jp~ll::iiiij;!ii:lt..~.a:Y\ll'i..!lllil.J.Ll!L-~liDiU!!.i..:..~~!i,lIWb-;1li1!.-eV8Tln~-~'liL~""t:--=-
-,. -eHeel:,:at_:anE....nt'otV8taUtt, ,(as d8~nfld belC1Wl,:ana_ LerU:16I'-l'i'IIyaxlfClMlny or 1ft, olltS'avanaol8 rerneOiIM, loran'l:VSfll-D1 U81.UIt a5prollloea
"belo~(pl)less :~ranlpr ell,her,,(a): pl,lS-the lax belOf8it,beCOmes- delinquenl, or", (bJ contests the tax.s, provided above ,In the, Tax:es andUens
,'~tip~:a_n~"~~~~, wil,~,~e,n,~er, caSh-ora _~tJ~,ien.t,c~pr.,I~surety,b~nd, orolher-$eC~rlty_$ll~~actory to,l_8nda~., ,.'" ,_ "
:;,SEC,UFllnAG~EEfAa.T; FINAN,;I,.,G-" S~ ATEM~~!S~,-"ThS .IOl/o'wl_rloprOvisiorls '_rllatingloJ~i~MO!tgag.1as, a securltYagreemant ~ra a,parl ollhiS
lJIo'rigaQ8, - -, , ' - -, ,
<,~urt~"Agrei!:meril";-Th_is -instrumel'lrshajICoristilule'(se(;i~i;ty agree-ment tot_he- ex_tent-sl1yof the Property 'conslitutes fixtures orCl_therpe~onal
:-pr~p'e:rt)"~M~f~n~,rS~ll:ha~caU, ~f.t'h8'~~~ :~,t~,:~~r~~ ~,~~ ~nd:~::f,he~m!~m ,~o.~~~ci,al,C;~eas~fI1e~d,ad~Om_-tire l~ tlme~,; .' . ,', '. .,.,
<:Secl;l'r1tY Irter~:i,Upon requestbYLend8(;:G~8fl!or shilll execute fi"iloclng,:slatemenls and lake whatever olhlilrBclion Is requested bY"L4nderto:
:pe,rt~:_~,n~,COtl~-f1ue Len~er's, seel:'dly_ intere,stin the:Benls' an~ Personal. Property: 'Ina~dlUo,n to recort;1ing.1.h,is, Morl_Qage In .Ihe realprOper1y
records,-i;efl~,,!"8Y, a.t any, time:-andwitt'lout. fUl}her Ilutliorizaltonlrom. Grantor, file, executed counterparts, ',copi_e$Ot reproduetions 01- ,Ihis
::MOi1gage, :as,._: fin~nci,ngstatelTlenl. .' Gr..ntor sh~lI. reimburse lender lor :aU expenses ine~rredin parfecting or. continuing thIs security :Inl"';:::t.
":Upo,ry-d,,,f8UU! 'Gtaolors~It'assemble the" Pe,~or)81 Pro;:lerty'in a.manner and II I, plactt reasonably cOl'lvenlel)Uo Grantor and Lender and ma,ke U
avaj_I~,b,!~:IO:, ~en;~erwllhinlhr~ (3),~_ays__a"~r~_~~t .~!:,~nllen_.de~~n~ I~_O~ le:~_der... ":"._' .'. '_ ,':. ___-
:Addresae$,:' The ,"'lamng _ a~dressesof 'Grantor,:(debl06 a.,d ler.der (sec:ure_d' party),lrom which information' eonceniing lhe securltyinlerest
g~a,~te9, byt~i~ ,t.19"g~~:e~sY'b~,: oblain~d (each ss r,qU,ir€td by t~e_ ~nilorm Commer~ial: C_ode); are as staled on1he fi~t pagElcllhiS M~gage.
'F\JR,.t-tE~,~S~'U~~NCES;~TTORNEY-1N-FAc:T, ,_The:fOIIO....;I~g provisions relating to _'urtiler,assurances and attorney-In-facl are a PBI1"ofthis
',-':"~rt~a:~e:';_;,-:,:-:",:,,/,,- ._-, , _ _-' ,> __:,,:" :.~_:,,_ . ..... ..... ,_"..' ....', ." :'.'.. . ........ "_
. ..:::FUr1~~r~ran~e..:,At 'any lime, and-f~l)m1ime!Olime;Upon.reqLl8Sto' lender,_Grantor wUlmake, execulea~d .deliver, _Of will. cause ,tebe
, ,,-ma9iEl,' 8x9culed.. or":c:fellvared;'.to' Lenc:ftf,' orlo'Lender's_. designee.' and_ - .....hen r~qu__stedby Le.nder, 'csuse'to be filed. . recorded; ,taliled, or
;,;rerElCorded,a~:'lhe,-cas8':,lnaYbe"at S~hljrn's"nc:fjl'!_;$UChOlfiees and plapes_8sL,e_ndermay ~m approprla,le, a,ny and all such mortgages;'
idee~S:of, trust" se<:l:Jnty, deeds,se<:lJrlly agreemenl~,," ,financing statements, ,contln,uallon :slaleme,nls; lnslru~enls _ oflurther assurance, certificates.
"an~I)I~~~ documents,;as 'tn.!v,"_in the :so,le,op,inion of ,Lender, banec&ssary, or desirable in order 10 eflecluate~ c/Jmp_lele,perlecl, conllnue,or
preserve ,'(e,) :,I~ obliga~ions:of:GranIOr under~ ltle Cr~dllAgreement, thiS Mortgage, and the Relal,ed Documents, and (b) lne liens Ilnd securily
,;--,rn.teteSlst:realed by this Mortgegeas lirsl and'prior lien,S on Ihe ProperlY, wr.athernow owned or hereafter acquired by Grantor. Unless prchibded
":,~~~~~~~I;~:;~otfnt::sc~;:~~%:~.lendEJt,in~r1Ung.,~f~~10rShall,relmbU~,Lender tor ai' Fosts ~nd expe_nses incurred in connectl_CJn ~rth.lhe
Altorney_ln..F~1.'U'Grantot lails to do any of the, lhings referred ,to_ in the prece:din9,paragraph, lender may do so lor and inlhe name 01
;Grs~torand .tGrantor'sexpense; For such purposes, Granlor hereby Irrevocably appornts Lender as Grsntor's stlorney-in-Iact forlhe purpose
of maklng,executing;, delivering, fihng,.r8Cordlng,and doing all olherlhings as msy bE!' necessary or deSirable, in Lender's sole opinion, te
accornplishthlil, lTlallers referred to in the precj!din_g paragraph. ..... '_" .. ....'
fUlL: PERFORM,ANCE.ti Grantoqiays sllthe l~dehied"ess<wh8n due, lermlnates the credit line aC,count, and otherwiSe performsalt the obligations
c"imposeduponGra"lorunder Il'1is Mortgage, Lender shall eX9Cuteand_dallvar to Granlor a suitable satlsl.aclion ollhis.Mongage snd $ultablestalements
,0:1: termination ,of any linarlC::lngslstement 'on fil~evidencing Lender's security interest in _the Rents and the Personal. Property. Grantor will pay, il
l?e~;mrttl!'~ ,~~~~P!Ic:~,~I,~:la~, _a~,yr~sonablel~r,~',n~li;~n,:f9ft"a$, del~';mined b~ L~ndar from !lme to u~. ,. . . ... '.,
'"?E~A~I; ,;",Eac!1,?llh~:I()Uow!n~,;althe option ol,~ende~,shancon~liIule,8n evenl ol:delault ("Ev~nt of Defaulr) undertliis .Mortgage:"' (a) 'Grantor
"C(l(T'lmrts>fr,audor'makes ~ ll}81e~I' mlsrep.resenlalioryatany tjme tn conneclion:,wiln 1~ cre,dltllne account. This call1nclude,lor example,. a false
.~tement ~b_oul-Grar:'lor's' in_com~,' assets,. liabilit_iEr$;, _or, a_flY other aspects 'of Grantor's: financIal condnion~. (b) :Grantor. does not meet the_repayment
ter~s of, 1hEf cr~,dit-.l,,,e~ccount, - (c) Granlor'~action'_or,inactio('ladversely affecls the collalera,! lor the credit)ine aCcount, or lender's rights in the
c:,?lIaier~L,'rhjS, Clin Jncll,Jde,ofor example, tsllure ,t9-mainlaltlreqUlred insur,nce. waste or destrucllve use of the dwelling, lailurelo pay taxes, deatt> 01 cdl
persons r!ableon,lhea~count, transferollille or s.le ,oithe"dwelling,crealion 01 aUenon the dwelling without Lender's permission, foreclosure by lhe
hOI,~e:r,of:~rl?:ther:h~n,_ ~r 1M use'olfu,nds,ort~, ~~II!~g tO~_j:lro~,lbited purposes.
RtGHTS ,AND REMEDIES ON DEFALLr.Upon lheoccurrence of any Evenl of DefalJl'.a~d at any time Il'1efeafter, Lender, al ils option, mavexercise
anyone Of more ott~_e: following nghts and remedi,es. l~'additi(l-" 10 any olher ~g~t~ or reme~le~provided by kl:w:. '
ACceler.leln~ebledness. . Subjecllo, appliCable 18W, Lender Shall. have lhe right 81 Us' option without nolice to Grantor to declare lhe entire
Indebtedl'l~~slmme,diatel~,due and payable.
UCCBem~les,_With respecllo all or a"ypart,of the PerSonsl Property, Lender shall hsve aU the righls and remedies of a secured party under
tnii' Uniform Commercial Code., _:',-. ,
Collett Rent~.:-le~dershaU.havelhe righi, will'1oulnOtiee to Granlor, 10 take ~ossessi6noflhe Pmperty and colleclllie Rents, incltiding amounts
Pils1 due andunpSld, and apply lt1e nelproceads. cwerand above Lender's costs, againsl thelndebledness. In furtherancaol thiS'r!ghl, lender
mal' leQurreany<tenanlor other user OUhe Property to,make paymenls 01 rent or use fees direclly to Lender. '_llhe Rents are collecled by lender,
thenGrantorlNevocabtydeslgnatas lender,_SS Granlor's attorneY-ln~laet tel endorse instruments received mpayment thereof in the name 01
Grantor. and lonegoliale the same and collecl the proceeds,.. Payments, by le,'anls or other llsers 10 lender In response 10 Lender's demolll'ld shall
Sallslythe,ObhgaliOIl$ for which Ihe payments are made. whether ornol an)' proper grounds for lhe demsnd exiSted. Lender may exercise its
lights under this sut)paragreph eIther In person, b)-' agent, or U--,rough a receiver.
Appoint Receiver. Lender shall have the righllo, have a receiver eppointed to take possession of all or any part oflhe Property. wilh tl'1e power Ie
protect and preserve the ?roperty, to operale the: Property preceding foreclosure_ or sale, and 10 collecl the Rents from the Property and apply the
proceedS-,0V81 and above the cost 01 the recelversllip, agalnstlhe tndebtedn9$s, Jher9Celver may seNe without bond if permitted by law.
Lender's. "gill 10 Ihe appoinlmenl of a r&c8lV8r Shall exist whether or not the llIpparenl value of the Property exceeds lhe. Indebtedness by a
subslar.tzal amount Employment by lender sl'lall not dISQualify a person from servIng as a receiver. .
. Boud400rAGE 136
Judicio! FQfecIO$ure. Lender may obtain a judicial decree foreclosing Granloo's interes, in aU Of any pari oltht, Property.
'MORtGAGE
(Continued)
Page 5
-NonJUdtctel $ale,_;:1f perniifut(bv appl~bl8 law, 'L.ender may foreClose Granlor's In'18r8sl in an or I~ any Pi,rf 01 the PerSonal Prop~rty or the, Real
;_Pr~bY"~l1jUdici.tSl", "',~ '-''- ,_ , . . ",' ..: ,.
Deftdeney JUdgment: t..nder maY'oPlaln a judgment ',or any defiCiency remalnil'lg in U,e Indebledness due 'I, Lender aft8r application of_all
am~U~,rece!~"fromthe,_8X8fejse~lth.,rightsp~~vi.d~d'nthissectiOn. _ ,_ _ ," .:" " ',"_
- .renanCv__'.I_suHerence. '_ ., GnlIntor 'remlu1S In possession or. lhe Property aft8f the Prop8rty.1$ sold 8S' proVided above Of lender otherwise
becomes '.ntilled to' Posstss1on at, the Property upon dafaull 01 Grantor. Grantor shalt'become 8 tenant at sufferance of Lender or lhe purchaser of
. .. : the 1'Y0000~Y"~_~,1 ~ndor'~_~plion. _oilher__,<a) pay.,a-!:~ent~l for '",_.vw.o1 I~ P'~~b~4IaC&.~,~~ Im"'~r1iJll~ly
~""".._iilii...._...\.....A.,.,-,_ __ ._ __ ,_. __ . ..___ _ _ ,_
':-VIm!" Henle~. -L8n~1 :!ona" nBve aij, utils, I iwl 11:0 III11J I",,,...,vb VH""iUI:l'U, ill -lI...~M....lw.~. ~, u"-:CI;IJII"^W.;;;;;..,,t, \,II c.;.allal.Jl.:, -Ill _......., _II.
'~Qujty;_, ,";'-:' . . ':d, _ '. _ ,,' '__ " '-,_,: '_' _', ',' ", _ .
S.fe of the PropertY. - To_ the 'axtenl permllted',by applicable taw, G~anfor herebY-WAivn Any And .11 right 10 have: the property marshalled~ In'
eXen'!ising ils ,N1hls. and' r8Fr1edles.- LIInder.-shaU qe ,''''ee 10 8:811. .all or any ,part of the Property togeth~r Of. sepa,ralely, in one sale _or by saparate -
'sales,:Lendi:lf .shall be entitled.tei bld,atany pUblIC sale on all or any ponion oftne Property.-, '"," - _" -: :"~ : . " ',",'; ",- ,_ . "
-_H~u~"o'-Sii~~: :t.n'd&r ,~~l{ gi~' 'Gr.nt~';~~o~.bki-~otiC8 -0; th~:ti~e' '~n_d .-p~ce ~f aiw '_P~b'~' sale' 0; 'th8 'Pen;o~i- PropertY or oft~:"lime "alt~r'
__'~hich:-Any private:sale,' or:,olh_er.-intended_dl~cisilion'ol-Jhei P8l$C)n!iI, Property -is to:b8,'made. Unless ()1~_~lStt r8QUired,bY"apPlica~le law;
,'Y~s.o'~~~I~~f)~t~,~h8;Um~,n r;,e~, ghje~: ~t ~s~)e.-n,,(lq)~ays, ~f~~Hhe ~mll! 01 U~ ,~,I~ _or :~!Sp~llion:. _ _-', <'::: .' ,:: 'L' :: _:-' __ _,:' '_:( , .: ",:_,:', '. -
'" Waive'r; EleCllon'-Oj' ,Remecna~,:A' waiVer by_'any party 01 a bre.ch 01 a pro'viSion of t~is' MQrtgage shS:n, nol 'consli1ule ,a waiver Of or prejudiCe the
party~s/ighls ott'l_8rwise to"den:t8nd stricl compliance witl'l Jhat provlJ.ion orany other provision., El8clion by Lend_er 10 pursue anY'femedy shall not,
'excluCle' purSuit ,ol any'oUl~uemedY"and an election to make Il!!xpe'ndltures or ta~e action 10 perform aff obllgallon 0' Granlor. under ,this Mortgage
'. ":,Ilfter Ill.llur_. ,/:?! (~rAnl~r 10'P~rfOf"i~hall n_o:' ..ffei:,lte~~'s righlt~ ,decla~e, a:defaUIt an~,_e~e~~ise'ltHe~dles :under this ~ort,gage. ,_ _ ' ..
"Ano".evs; 'FeeSj'.ExpeI1.es."_ Ii Lender in.sll,iutes any.-s_ult or aelion to ~,"IOrce any of the term's qf this. Mortgage','Le~der shall be enUlJed 10 recover
~uch, sLlfTl,-aS, tl\e CflUrI..may adjudge ,reasonable a_s attoroeys':fees ''It trial 4lnd on _.ny appeel., -Whelher or "not any court action is involved, all
_-:reasooa~1e ,expenses' Incuited 'by'tender thai _in Lender~s opinion are necessary at any time,.for__'he_ proteeUon 01 ils inlerest or Ihe enlorcemenl of
-lts_ rights $.h8ILb8come '.'_.Pai1 01 ,the: Indebledness pa)tible on demand a'1d shall bear Interest from Ihe date of exp,endilure until repaid 1I;t the rate
" f:iroVl~ed, for: 'jn, l~e'.:Crei:llt Agreemenl.",' EliPerises_ covered by this_ paragraph 'Include, without limitalion, however :subject, to' a_ny' limits: under
'ap-Pllcabl~ _Iaw.,b'nder's attQrneys' ~ 'and;lJinder's:legal expenses whether or not ,Ih,ere IS, a lawsuit, ~-"cluding attorneys.'. fees__for- bankruptcy
.,pr0ce8djrygs_-':<i~uding' effor!s, ~,~ _'modlfy- Or' :v.ca~,:a_~y aulo~llc-,stay',or lnJun~llon).-.,appeals ~nd_ any_ anticipated Post-JUdgment, collection
_serV~s,' the. t:os!- ot,:searching':f8cords, 'obtaining _ tille _,repOrts Ilncludln_Q, fOreclosure repOrtsksurveyors' reports, Incl appraisal fees",-and- Iille
,"~ura~~i.W.:I:~, exte:nl,:~f:f",i~~CP)Y'Il!PPlicab,l_e_.la,~::.- G~.~lor a!.~,~ill paY,~n~ :~'Cl_Urt _C_~IS, 'n.: a_~d,m~n 10 ,~U ~!_~r :su~ms: provided bY,~.w.
NC>TIC;ES TO GRANTOR -ANO'OTHER-PARTJES",,-'UnleSs. 'olherWlse prf!v1ded by appll~ble taw, any notice un,de'r'this Morlgage shaD _b~, In writing,
may' be senl, b~' l"elacSl~Ue~'8nu 'shall:be:~ti"a ',whEwaClually ::deliveredi, or.'~hen deposl~ed wilh a naborllilUy" recognized, overnight courier~' or, if
IT'.ailed,, ,shalt be_ :deemed effective' when dep_o$iled}n .Ihe United ~les' man first c1,ass, certified or regislere~ mail, _poslage prepaid, ,directed 10 Ihe
~ctdresses :sho~n ,rear:l~e be-ginning ,of this Mortg&;~.- .AnY party: may change lis address for notices _ under ,this Mortg_a~' by_ giVing formal "~rltlen
'nollce 10 the olhGr- p.rties~ _specifying that I~ ,Pl,irpoSB '01 the r;ctiC8 js 10 cnange the party's address. _ All copies of_ notlcaUlf ,foreclosure from the holder
of any ben which h8s prionty over Ihis Mortgage, and'notices pursuant 42,Pa,'C,S.A. Seellon 8143, 81 seq., shall be senllo lender's address, as shown
~ea~ !he ,b~jn_~~n~ Qf t~is Mo~gage,.- FOr_ notice _purp~s_;_:Grantor agrees to ~ae~-,_Lend8~,lnf~r~d at all'~in:!e$''Of ~ranlor's c,urre~t address.
'~lS~~LAN;E<<?IJ~:,PR9~ISI~NS.<_~.h~ following tni~~lI,~,fleo~ pre~sions .~re a part of_lhiS Mo~ga_ge: _: '" '.. c' _, . ,
. Amendmenls~, This Mortgage, )ogelhar with any Related Clocumenls, conslilutes the entire, understanding and agreement 0' the parties as to the
; ~Iters' ~t.forth In this Mortgage. _ No alteration 'of or:.amendmenl ~o this Mortgage, shill be ;effective',unless _given In writing -and signed by lhe
pe.rty-,~r,p~~!~,S',$ought 10 ~8 ,~h~rged or ~U~~bY..I_ne'alleratiC," _~ ~~endm8nl.,_ :", , '" _' .," :': "",'_,
,Applicable Levi. :r~I.' MotIg.oe tI.. _b8e~_ deli~t!red 10 Lender' and accepled_ -by Len'der In, ,the C4)mnlonweAi,lh of Pennsylvania.: -_ This
Mort.lJIige_ ,~,n_ ~,~~er~~,,~,.,~.-~n,st~~, I~: .~c~rd~nce with th~. ,~a o~, th_~ ~~~~~Wf?lIIlth :Of P~~~~I,vanle,. :_ _", ' ,
"Caption' Headings, -' Cap~on:',~88dlngs, in' this _t.,'Oi-tgige- are }or cor'l8_nience purpOses only, and ar_e, 001..10 'tie use~ to interpret or, define the
_~HovtSj9nSOI,I_his..MC?rtg~g,~,,(,:,'_,,_..:,::_, ,,"-:....-,~'.:--."- _",':" '_,_"::~:~:'-''''-'::,:-__ . ,',:,- :',' _,::..:,' "'" _' , , .
Merger ,",:Therishall be no ~rger of Ihe interest, W -8s111te crealed by, th'is MOrlgag~ wllh a,ny_ other iryterest ,~r estale in the Pr9perty al any Ikne
heJ_dbY~tfOr-lhebene~t~':Len:~er_inany~p.~ty:~~lhoulthe,~ri~encqnsentof_~end~L,: ; :'". '::' " .: >.", " :_,
severability. .. II .- ,court: of ~oll'lpetent .jUtisdiction fin,ds anv prOVision of _this Mo_ngage to he Invalid or u~8nlorceable as 10 any pars_on or
Clrct:Jmstanc,e: 5UC,h finding shall not render I_hat provislon invaUd or unenforceable as 10 any other persons or clrcumslances. If feasible, any such
offending-proViSIon shAll be deemed to be m.C)dified 10 be within IhO limits 01 el'lforC81bility or validity: however, 'if the offending pr_ovision cannol be
. so rr.~dified~ it shaU ~e :;triCken_:a~d all Ol~r provisions of this MortgaQe i~ all other respects, shall rema,in valid and enforc:eable.
Successors end-Asatans. - Subi_ect :0 the limitations slated in this Mortgag~ on transler of Granlor's interest, this Mortgage shall be binding upon
and inure to Ihe benefit of the parties,lhelr heirs,:p8rS_onal representalives, suceessors and assigns. II ownership ot the.- Properly becomes ,vested
m a person o_ther-than Granlor, Lender, without notice to G..ntor, -may deal with, Granlor's successors with reference ,10 this Mortgage and the
lndeb!eciness by w.y of forbearance ,or ex1ension' -......lhout ,releaSIng Granlor -from lhe obligations ,of Ihis_'Mortgage or liability under the
Indebtedness. . ,
. ,Time" ~fthe,E~nce, -ri~ is-of lti~'essenCe In' the Peffor~anc8 of this MOrtga~e,:, '. " ,. .
Wel~er$ ~d consenti> Lender shall nol' be, deemed to have waived any:nghls under this Mortgage (or u~der the Related DOCuments) unless
"sue,h waiver 1$ in, writing and signed by, Lender. No delay or omIssion on the part 01 lender in exercising any right shall operate as a waiver of
such nght or any olher right A waiver by any party ,Of a provi_sion of this MIY!:gage shall not conslilule a walver_ -of or preJudic9 the party's righl
olherwise 10 demand s!riel compliance with thai proVISion or any other provision. No prior waiver by lender, nor any cou~ of dealing belween
Lentler and Grantor, shan'conslllule a waiver of any of Lender's rights or any of Gr&nlor's obligations as to any fulure transactions. Whenever
consent by Lender IS reqUired m thiS Mortgage. the grenting 01 such consent by Lender in any inslance shall nol constilute continuing consent to
~uoseQuentlnstances where SUCh c:onsenllS reQUIred.
p,ood400PAGE 137
. MORTGAGE
(Continued) .
Pogo 6
_' _; __.' _, __,,0 . . ','
GR~NTOR ACKNOWLEDGES HAVING READ ALL,THE PROVISIONS OF ,THIS MORTGAGE.: AND GRANTOR AGREES TO iTS 'TERMS."- .
.-' ". "," - ' . ' .' - , '., '. ',.- "- - , .
THIS MORTc;~GE HAS' BEEN SIGNED' AN'D: SEALED BY ~HE UNDERSIGNED. . - . .
GR.H,~,~ 1::
___ .., ,,\, ). _~"""" __ A~ _ {'_Pl.. - _
-~~"Y'~~fE:J1: '"-~ _' ~"--'-~'~_I~l,::':'.
-- .. ___d"'," _ _,r.!_,.l. r~n~,_.,_ "---'--~~f'- ,__ ," _ ,".,,," .___ .:','
,/ / - v_
v' ~ ," - -" " -',..:'- .-'-- ' .
Slpned_> ~_O~!~~ ~ CU:.:.lver~ In the presence of:
~/1{4; ( ;"';Q . <<-/;t-7'1.(. zj
Wftness ':<'__ ,"-. .
--~-'-'-.
--'- ~---'----' -'----'-..:.-=----
" :.'- ,-"". .- - - . -
. -. . -, ,'- ," -'
. \ hereby Certify.' ~~ll'~e 'pr8?lse'a~.dress ~f the mOi1ga~~, :-Fin''-~~c;_~ !'U~'! C~rrip_a'~:/'h~~~i~~ js'~S-'iOllO~S::.
,One West High S,~~t. CarUSle. PA 17013'
CERTIFICATE OF RESIDENCE'
J!.llorney or'Agenl !orMorl;'Q"-_
~ " ' "
. ' ,- . "
STATE OF~~I\n:S~~\V\1 I,CX
COUHTY OF (- \ I \T\.\')(' ,- v' Y', ,..\
INDIVIDUAL ACKN9WlEDGMENT
~. ,,"'':', ,';',Nota'rial'Seal': .
''', Tammy S. Pros&e(!"olary,Pub~c i,
South Uictdle!.oo Twp,; Cumbei13nd Count)'
IvlY ComlTllSsion Expires Oct. 25; '1999
~r. Pen~YIVanla~~ci.a~n of,Notanes'
Onl"",lhe ti1r- deyel i\\1I1\1.::-:I' .19ll.beie,em-; \(n\\fl,\.1 .s.--:~'f~?',e~"" .Ihe
underSIgned Notary PUb,llc. personally appe,arfUI 'James A. Chamn, known 10 me (or saljsfaCIO,ril~ proven) to, be the De,rv.o~ w~,;ame.i~ subscribed
10 lhe .....lthln InSlrumenl, and, acknowJ.edged that he or she QX8Culed the same lor the purpo~s therein coritained...~, -c.) ," .' ':: , ' ~,.",. ,~'- ..
In witness wh~r~Of, I herf!Lmto,set my hand ilnd onlclal'seaL ' :', " " '-~', "~,;,,,;::-,,~ ': '''', ,:':' ,",
. , r Jnl1\ In-~v/~:+1-~:Q'~L-\
'Notarypubllcjnan,dfor~Sta.le'Or...'." .,~~~..."
,..',' -",,", '~,~ ~.
I
) 88
)
_ AS~,<l e""'c> Re~, I'.S"Paj. & T M :Of!. \It., ;),2,3lc'189t CFI Prost1V~,es.ln<;. ""'Iln;:hl~,reservell. r~~-GCl3CH~I,FIN;J.LN L I.OVL]' ,,'
.<..~,.:jkxt:..:0....;t:..
"::__.",-..t:t:F'::"~",.,.
- '-B,o.HOOr~GE 138
State of P8nnsylva~i. '}'
Count'\, of Cumberland ',I~
.Re."~~ded inlh'.OffiCO '.or thO.' .........aflloock
''''is and Id, t:;~~berland Coun\y, .... '). .
.nl~ _Beol'lui_VQI. ~,..w~
"'7' Y.h~nd' .1.ofoH...i ... 0-
_"'.,' :~s d If
""/~ ' ,
Rocor
-
Exhibit -S-
Dale lugust 10, 1taS AecountNo, 38122*4001& Authcftloa Credit unit $ tOO. DOO.OO
,.. !iE.'PA$:jAH:' rJ'~l.,;suRe' SUTEMENT, PAAT ONE -AND PAAT !'WO. H"S BfEN G.IVEN TO -THE' 8ORI'lO~ W11'H, ANO l!l' PARr OF, r~ls
AGFlEEMfNT THF DISCIO,SUR~ STATEMENT, PAAT ONE AND PART TWO, MID !'MIS AGREEMEN'r SHOUl.O BE FlEAO'TOGEtt<E:~ 45 ONE OOClJMfNf
As ~.'" '[hs AQIIMlII'\CJI'II. liTO /ollow,1lO delif\lllOl'>ll /lflPly, ~BorrowoI' ~5......h ~0II-1iQ","" '"'" Aq__..... 8/:1".",_, "ondl\l>dyally 4I'ltt. If m_ )
Ihilnone8orrQ\Ooor~iO"~.,alla.(lr1(>W_. toIlD!.1h,B!V ' ',' i
"l.onOOi" rnunll Keystone: FllUoncllll Slink; N.A. , " .l'Id - - 'of
-'CC:" "._.~Y~OI'IQtIn&lill.lt~lO.w,om,I"'lDl'lder,"llogns~_r;,,",or"'InItlI'~lIIlI. .- "'; ',' _ -, . "-, ",'_.:
. . . O-.......-.;;;;,...,.."-~w'l1'1.~ItJ.R"\I'TyiTC..lllLE...\1il'l;,.--._'-- "u . H,
:. --=--?;,~~~:~~tl::.:;......':"'''"t'';;''';;;;r~.;:.;,,,;;;;;-;;.o-~';;;n:;;;~''",':''::~'.'''''Cc'''---c-l'~
'ACl:O.lI'1I.mo.MlII~_I'O\IC"~II'lC;1Io1nACCOlJnt,!"hoC~IClhl"!lUbjGct,"'lhi$Ag""'ent _' _ . , -"
"Ault>o1ilod Crod~ llm~' '.,eans 1110 toral da~ar -...t of er~ available 10 ,Borrower 0Il_111e AocourIl, and" IIt_ad- abo\lll. " ':'
"l'ooninaban- 01 tllO AcCOl,fnl munll In.! Bortow"," wlII,no long.. Do lMl""iIled to obtll," \oatls'or IIdvIlIOn otcrlld. 011 IIIll A(;(;C)JTI\ ,~
"BIlling Cycle" ml!l".,lhe InleNlII belweefl ll1e d... each_ month llIhilrl-Jt>.t "'!l'~ billing "tal....on!.1I plilpIrl!ld . ~;;<-
GENERAL, OE.SCIUI'nON OF THE ACCOUNf."Thil A~ i....volv...g (/'I) ~elWroW~ will_ 'ACJl soM, gi,ve Ii tran,lle. Ow~ of tho MorlQlQeCl I.
loan ......coum"seeul'Qd by i,Mono.go on the,f/.ortoagad Proporty. Ounng-rllo Prop"'y or.IlY ?'Ig/'ltl~, or perJn~'such $l1li, 01/ tralls/ef,lf'I whIM or 'l!I,
0.... Phitlle, Borrowor may_ oblair) loans 'of J"'" Aecounl in the- wa'y$ in Part. l"'1\!'QUlllllllder's prir:r wrlII"" qotlsotll - , - ,-', ':'-'~
descnbed ,in the 'Ad.4lncos 01, Cred~~,~$6C\iOn ;,on__:llle' DiSclosuro '(I) aOll'OOfel' will, 1IOC, comm~ rraud' ~ "'1M ...,. m'I~'-a!lvl!lS ill' _-,~":
SlaIemel'll.parl O"e, up'10 the Aulhorized C/6dlt Li'"-~ l.oans lIfiII be added to! cClMllCllon _ wrth 1"';"- "'CCCU'll. 11I11' per.olQl'lal 'IiriYIC'.-: $l.ltom&l'l!, , .~"
the balance <)II tllll Aceoul'll 10 be ropaid by monthly: pIt}l'mtllllS,- AI ,tne" .' ~!r.a.:~.~~:.. or., _.(I(hor. .""".iIIlion P,rovided to l.ertdl!lr'li.:r~ tho, term 01 '-.'.<'.'
balallCO Of) the ACCiOUn\ i& rep,1ld, ,lie crod~ will.gain be. mAde a.ailable 10 ................", ,--
Iho Borrower; up 10 tM Autltor'lled CrtlCl( Umit.. Any bl!l,11l'lCO romollillinlJ OIl - m SorrowflllllltlltS into or i, placed illl<l hank:NplCy I
lhe Ac;co(;nl at ~Hc. end ol.the D,aw PIlue woW"bot 'epaid during the FH:,'ANDCHAROIi!S. - _ ,", "
Repaymefll Phue. but na lunller 100lIl'\s will CIl made 1ur1ng lho Rep.aymenl ':'C. LOS1N. G. co. '..1'..:_ Inord.or, 10, op.~ .""'. m. "'. ""'. .!h8 Accoun.t' EloI'1OWQr, :.
Ph8llCl The _Draw Phase :-rill begin ;af\8I' the Lond&<, not~i6S the BGrrOwer _that muat PlY ceI'\.., lMl1' And chargn wl'IiOh Ire 'temlzed ,n lhO O,,,,losUfo
lhe crod~ hU boon ilPProved and tho Borrower's and, ,t apj)Jicable, Ow,...,', Slllement-Plr( Of1e , _
,-"9h1lo_cancellhoAg__has_e;,~_, '_' ,.- . AOVANCiS' OF 'CREDIT: " _ _ :
r"'efetl'wiP bl< Io-t'.arged on lhe oulstanding Prmclllll bolIIancO 3l;J rtte th..; Each Borrowar ao'~ thai ~ OM or rnore 8o"llW$'S Il';;:" obt3ln klan!; on
meY,cnange l.om bme io lill'lfl. The matNJd o! r.alCUllillJ'lg tnll '1l\emli1'il-'II'lD^~ntw~hout_theconS8nl-()(!:>gIlll~_ol!t"yOlrerB_,fCll''any 1-'-'
dO$Cnb6d i"lhe Di&CIo_sureStal&mllnl.Parl,OnCl ,"_" :', ',_ _ - _ -_,: purP.C':!Il.-AU:Klans obIa,oed l;Iy Ift'Y Bon-o:wef,_"".;j-ilU 0INlt chatgO'lIO t..... < ;:_
BOR.AOWER'S PAO.llSE. Borro..er promises-.,I':l: .eDlY aity ,<>>:,I"'lOIl5 _ 01" ~..~..' ,~t.t:'.'. ..... "....."....~. h .any. . 8G.rr..~. ~.' :00.'"'.' Sh.a.". ~ prOp. M...' Char.ge_~_ _10. "'". _ _' ".
(;re<llt-and' pl'Op(V,chargu_lo tl)e, Account,: with, JnI_I',ca~ed' ," 'aQn'<lwer mey'oblaln lQolI~ on tho Account ,n lho ways d811r;ribed in tI,e ,
'accordoll/l<:e wl\h tllia Aar&fll!'lO<'lr"CkttN111_I_M"O'_''''UII'Nld th~, ROpaymer,l_ .'."". closure Stlllement.Part One.. .'. '._ _: :.
Phaie, 10,long_as..fIY amcilm dI./8 on this ACl;;Ount-renllilin. \lI'lp~.e~er
wil payead1 month atloBS(lh(l,m'nimum,llI~ment,"'" ~llhin,15 l:laySoUIla'" ~-, rd...ponsir.le it,-lorany renon, arWone-talk'<YIll!useG to ~ ' -
- 'bilinll ~B, The mElll'lOd ol_Clil~ing t:",e',,,!inlmilm peymont is de$r;ribOd_irl" lhe Spoc.al Checks, Ct il olIny OI~ Ollv0::4l.end$f-provion to Bo.-:ower,lo '0
'theOisclosureSlalomer;t..p_Ift_OM'8on-owQr',_wll!_Pavall(l(hwlMs,custsillla_,':Obla\n:;'10_ -On lho::A,cc;oont" <<,W,IlIY autoitilll&,,-te1!er m$C<>~ (if;, .
r;hargGl'l'OC/Ulre.:.lI:)YI"is,AgnlOlll,"I,'lllCIud'na-il_londllrfiloossu:t_or.'t~llll's'epollr;ablel;:!a~i'lo,_opGl'ale'OI--,09er.alSilI(Tl~.-ilt-thGtimOlBo..ltNr6I'
other'regal <<IJontocolloicllheilmoullldu~onlhoAtcCIJntorlO"rotecl_~ :.I1\eInp\9lo:oblall'laioan,ArIyCla,m Ihal801'rowerh811 ioQA'n$tilthwdl'l:wl1'
Collaterar~Il!I_lheAccount.alI_Onab~COSls,lncurrod>DnC:/reuonablr. ''"1Jslbol_MOI_vedrJill;'(;liY,'''',!<'l'lhalp:'1rlY" ' ,
attomey's Ieee. BOITQW8f prorniMl 10 repay" YP9" demand",,,y eMtension 01 __ pfl~AYMl!NT., '_ " " _ _ __
credl1 on thl ACCO'.lIll, to the edent lhillltIe OUIslanding pnncipa. b~anc:o 0I:l ,lkllfO'ot<4W may prePay the OUIsland,ng billanc# on_-tha Account,_",_ whole or
lhe Account c<=clSllclll 1he,~ltllori1od Crodit Umit:'pa~nt_l.!ndl)r.,lhi$ In:p.~.w'U'lC!lJlpenalto(,,-, '_, .. '_.' ,
18IIllll'lCe w~t -be doe' in II(ld,~ion" 10 .I,M JTUnimUm PllYment' duo "on (he "'!'laymon. I on,lhc Ac.Count in any 81iIirg'-CYCIe QI an amount. greil!'l' than
-":COlJnJ: ,II 1M, Lender remporanly- Prollib,IS', further ,e~lensions, 01 qed~, II
,Borrower_ promises to COI'lI......e 10, m.ke the -",,"imum payments IiII on the the mn.mum mon! Iy' paym(lll1 due, ,bill !els Ih,," \lie onl"8 outstanolng
Accwm, \JNIftc1ed by the 1emPG!"ry ~'Oh'bIllOl'l balance, ...,.;tt b! conll,dered <II Polll1i;Jl prolpaymlln\. .
',A,partlal prepaym6!'llwill bo' applie::t 10 reduce the outlltandinu balance on
MATER'ALODIJGAnONS- '" ,', __ . the,Ac<:OYrt,'buI'wlilnol poslponelhem,nimlJmmol'llhly payment duo rM
(a) BOfI:QWer wilt ~ lhe' Mqrtgagod PrOpe_r1}I' Only lpr_ 'personal, family and ..;I~lcl\lIrlng monlh and_...m not char>glllhe....ay ,t is Cl?":'puIed
".,.."'". """- .....-~..,,~," -.. L....... aBUGAnaNTO ''''''N. CAEDrr. L~", .,_ " I
(bf BOrrowor win !flake 811 payments on IIle AcCOUlll Wheri, dIIe,"and w~J mBke (1)' liIMg the' Draw_: Phase, I~tond cir8d~, on the Accounl on respon's" to '. ~
~~':.";':nl~ III lhe plllCe olInd In lllu mllf'lne. Sill 'forth on the ,biJljnQ' anv. prOper 'BqUeSI tor C10dif made by Bon'ower: ana
(el ElorrOWOI" wiU' CI'y _0' calise -10'_00 paid "aU ia~es' ar.d assessm.r.II' (2) ~ 1M rom eil~'1Q Cyca. ol_the R~y~t ,Phase', e~tond cr&d~ on ~_
(including condeminiUm or, $im~.' ellGossm8l)1S. _~ appJiceble) ,which may , the,_ ACCClOIr>l ,n ,..pOllee 10 any proper r&QU/lSL lor cted~ l'!laOIl by ~
Ob\ollir} ,priority OVOflho, Mortgiqo. whol'1 ~d ~ Ih")I ,\)l)COmo dUe Borrowor, il ,the Pl'OlW IllqLIlI$! w\Vi illlllallld .nd- daled du.ing tho o.aw
(d) BOmlW"''I'lmCl\USe'lneimprove,,;';'ts,o,.~t\n~onlI1eMorlll'Oel;lProplllty Phastl, -_ ,- '" '
10 be Incurod agiil'l!;l,lost"by fir1l and Olhof hanrds arM;! C&StlaItieG j,.'r~~~cred~,_5hall,~,bll_(l:onSlde,redIPropBl'~oq~l-jJ
jlncludll'lg ftQ(ld, il applk:aI:lKlI with an inSll"nce__<:om;l1fly acospI4l:I1o 10 dl ~ ",oiM causo 1M, oUlctlllldong: balance 'on tho AcCOl<..... i<l, e''''''Q<ld lhe
lho.lender-Ab pOlicie$ shall be'in,l~ loon.8Cceplat:lle 10 Lond"r atld'- AuthorIzlldCrtllitLimit:'l)f, '
shaU name I.ondel: a'_"IoBll-payoo" or -addnlOl'lal,los)l-payee,", as (2l ~is,f~d'by'tnel.;;;'d';""in'liollllldor:'d31eddu.inQ a~'l-wI'\eflJhe-
':::."~~\~e a;.dor~:>;::..;r.::~r:;.~V:~":r':.~' ~h&n, 10 ~, . 'Accoun! is IBmlirIaled in lICI;ClI'dance wilh 111e "Te,mirwiQn" IlJCl'on'ol
Ie) Bol'fOWil/' w1" I)ay 01 perf<llln all ObliQlllloni,u~der: '"v mllflgBge or .this~roameril;or " ,-, -;,'.'.."- " ' '-.
wcur'ly ag.oomont 0Il11l11 Mortg3Qed Pr006lti whiCh has pnonty OVIl! Ih.- (3) ~ is_ teco'''!Iod__ by thoG La',,:lor. Inlliallld ,or _ dolllod _ dur'ng a. time wnen
MOIt(,lage ~ec:u'1IlQ rhe' Acr;ount. '._' , fu!1hor e~lons'QI'lS 01 credrt' are pr(j:ibillld \#lOOt lhe -ProhibaiOn of
(It Bor.ower .....11 i<\Iep, or Co!\lGe 10 be ~ept, the M,ortgag*' PrOperty In good 'A~ilional _c.tenlionl 01' 'C<I!I_d~' 58Ctiorl Ql 1M Olsclcsu,e
<)foo, a~d ,~;olr, shell nol,pll<mrt waSle_Of deteriGralion ollhe,UottQagad S1atement:P8I'I T~: cr , '
f'fcpl3n\' _ .lor.d' sIIall nOl I.:S$ or all~ the Uortyaged ,Properfy 10 be- ured 14l II Is '!'lOt macle in acce.dance wrtll tNl -Advanr.:-e.- of Crecl~' -aeaicn 01
lor-anv dleo.;1ll pu'po:w. II ,the Mortgagod'Property-,s a Condominllm-er Ihillagreement. .
palto1aplanr./ldufllld....l:llopmlll1l Borrowlli-_sha\l'(;OI'T1pIyOf<:aliSlltGba -In!t''t,,,..anI01 €lorrowd.'s delltllOlIog'allncapacnY,'olI'&aoostlo;tJedit!:ly
(1I) =~= :~~~,~~;;'~~~~~ere&~~~~~,:;~llons oj'\hll =:e~~llI:cc:rt:~;::'L=~e,I;~ =C:'n~rc~ o':"~e~~~ ~
Ma1qaq~P'(l(lCltybY,'loQenlllO!lllrlder,upO!lI~sonill:llel1O\!c.e, .incapac~y .
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Keystone~'
Financial y
Home equity Llne_ _ Ag_nt
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THE-~DDmoN'Ai;;'TERMS OF 2A'OF'2A -ARE-PARr OF THIS 'AGREE'MENT
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ACKNOWLEDOEMENT OF RECEIPT' EaCh ~~'_5ig;'ing In!!:, Aqrvernor1t itcknOwl8ag~"rfIeIlipt ,i.. comPlGted coPy o.'.lhiS Agr~
1iarr_llr's Nil"''' ~d Addler< jUIFS l- eMlI FIN
fHTVn' TO DE -LEQALLY SOUND. Each B01ro..ar -~"onu tnio Ag.eemenl inlenl:l5 10 bll_leQally-l>>.I"<l by, its 'I",""", mdudins; ll>e terms SIaI<Jd'in 1M
~=;?:.e 51.1.".,,,,,, lon~"'. ~rJfO lho C10<i~ ;and 8'IOu.b~$hing 1hc Account, has e.,oenced ~s lr'Ilenl 10 be lOQal1y bound by !he terms ot l~tS
1....... tI " 8/10/9$ 8/10199
Borrower JAMES" C'rlAlFJN~ Da!'1 Borrowfll' Dille
bcrrro..ef Dollie 6on'to.ole. O.e
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HELClfl'
NOTICE: SeE 2A OF 2A FOR ,IMPORTANT INFORMATION
lAOF 1'"
{Borrow/ll'-l copyil.ellder.o,;gnalj
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IiJAU1'OIIIIaflC P.....urt ~ FDJ_ loa.. c;na;.... ID 1'1'" .".... ~~1 "~i :~ 0
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....-...:l..1I'l1,t_laI ..1,_......~..0>; lIIe BclI'_ 1I'.,_l...o.r, mo.:....~,.'1"...:...,,:.-....;,.:,'
r::::7W'T.: ~:u'r.+1Wi(~~,~ j1i~I~..;j~':~"';C':i::;'i!',,":;:"
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<:yQe'i<iI~"V.~i""WltII'_'..~.,....C"""".",.....,............'"
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..UI ANDI. CHNtOU
CLO'WO'COIIfI. 1I>'..._1O.'~ W "'..m....,.. A~ 90<'_' """" pIIf
C....~ _,-, uid dl-vetl, -no. "OI1ow,"II'- muollHl_Il.,<J.
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T'_"'",.t~I'll"'_!o-a-...;Ar.caY'll~. 13D.S21
tl-tIS~ISCl.09UAf SlA1rtMNTJ5 GIVtN '0 n<<;80MAOWfJl wm~. .NOtS ,.,.PloP<ll 0I','n<<: ~ I'.CUlN_iH "'m..NO Ab~itfolf.l'(l ll*: MOWi.lot;rf;.
UN!: NO~ "u..o .IGfll1:Vl::N'f l1t1!1IlISCtOSUAE- S'ArLM[I~T AND 'flit OI$Cl.OSllRE STAITMl:.Nf ON P.GE V. OF V. SHOUlD lIE REAO .S' ON( OOCUWf.Nr.
HOME EQUITY UNE ,OF CREDIT
,...... O,.tM~.I"".Llf...._'.~Ild..!IM_'Od<l!l""'"
cltr.i1Q....!doI...fta''''''''''r...'Mll..n.''','''''...,lD'.ClII'hl'O'....I'II...'''''-
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AQ'-",'1he 0.... I,..... ..." _..."""" ..... ~u~_,ct nal'CII1D 'kI'__
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M,..-....._..,li.ceg"'IO.IlCC.....h""'IIIedlli'tI'Ift.m.tnCllllf""..,'IIIPnllcod..
"'.1IIe ......eO"I'''. :ThoI' ,r."....,. :ClI"'1l~. CIlIl1""'''' """, i'- ""'''''.'11 .'lI'otCLP"
b.'.-.'.Il.'OI.....,....nw.,.'lIlItltllO.<lufltlQiIIfloene'edor'.ll'Oll!ll'ldtKl,.'1I'IOYl
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"1!1'l1OlMC.RATI! AND .......l....t:RCDIf-IG1! 'RAn. .rllil',AcoounI 'IIU.
.....,_...'-=IlI.....:II..l.M.Ialr.'Clll'\ag..'TlIl<l.""'cor~IIQ.O.H,.
l'Ilit)dO:,RIII..tnd tM_.llIa1l1>1'1'paf"W'l <::II'lcntnQ"a ~ 'ij~"-'T'"
Dao.,. r""lI<l.rL Rill' ... -'&CIa, .,."tIIi'~_'"_ _51._'" ,0 .~03""
whdl CO"..""",~.ro' ron AMNUAL PI!:JlCEKTAGE. A"n. ot . - Jl n,"
(lII\dllSo~i_ll&lr.l!I..ol.tlledal.ol!llo'd'"el_S'&IClIIleI'III.._'.'aI'
", iWb;'<<.1O cIIang...dMe"b..s ... tile -VARIABLE. RATE' l"flQ'IIlII,Ill.,:tll"
~'=~. ::-=CUUTlN4' 8Al.ANeE ON ~~. 'IN~I! CH.da1! "IS
COIII'tJTED..Urnds<!"',II........IlIII.""'Fon~Q\arqoull<\llth8 "aeIu.I':l.",.
lIo.1..llG.'.....II\oI.A~._Too;:...N...,uII.ClI'lyt>lI....:.".\hIlL..'".,I.....!Il<l
~...;.ng.InI_....II'Ilt.kcount.ucII,dOfMld.add......'_..."d.l/I<:lI&.ei..
<;fJl\dilelQlller.~...lIIQm.llOI",lldl0:l'!'''''GllUfIllll..''.I''.In.nm._1.~'SUOlrllelS. ~PtllllFH
an~'-pay<Tl-'. 0< e'~~' _1." 1e.1M Ae<:<>un(.lh.t dl. INt. ~'lIlphcabln._"'~ 01.....
.' .,~~:~: ~~~:: ..u::t~ :O"'!.::" P'::;:u:;;,,:,:~'~, := .::;'IIfi .....~ o\NNU...... IIEMIlEMH~ . 1'11:..- fta.._. agr..$. Ie p.y. . "........tunc.tl.. ~m...1
METHOO OF cc.rUTlNO '1M1lNe1 CHIlAGE. ~""II C<llftPUlCl 'lleF'....u, Msn~ill. F.. ol.-lUa duct 1". ~'IlIl,IIIt\Q e'/c1ea~er tlle "~leC!.:!II nct.1
~~'&':r''''II~~~'t C~IiID:.r.'t~~:~~ ~~..=-~ ~~= tt; l:""8il:: WldIQ~, ,,.....dUlltehy.... .... .,1IW ....,.~,..aary. dal. ot lhtInol."'''
Cl'cI<I,..:h. ~"'" 01 lI>Io Fo_CII..gll '0' .Ich nt_ ~ d~',..-Ih"9"I'ng :=-.:nl!I'II.;.>8c,..,Q....,',:~g;."'Q' IIIIll~dIJ<'~'~"" '1'II"_.i-~r."
c,.ell. '.. . .. alII" lOI<Inrf..... er'>P"tI CIIl a.;.n.'l w'ttl m.' tlillCll1. Ie llCU<.'"lII". Acccurn
v........Ll! ""'TE. n.e:-........'" Plleentag. II.,. &I _ ',,"",.wi~llM""""..nJl\d CoII_'1lI PCllllI'lQ_""", llbllll"'cns I.. l.onde' .....,.1IliI0.1lCU.. tIl<l ",ec;r,..<Il.
D\I tIdd"'llllloo J'ULL:MAAOIN". ......"".....I(<MlI cn..gll durJng,lIlt_I....."olII'1ltUTI! CHAAGE.9<ir,_ .;g,,,,,tDlIIy',IIIoI.'eI\afgefof '"" pa-';""""nol""'"
Ac~.,..... 10 N. ','ldllll. ._. """eh....U-.c:tIor,g. t'oml1me \llUI'l'llt',,' ..' ... ,':,,""""", ~~"'IISLdlYlltom Ihl dIilIl;\II.'.."Tha 11oL',etlll'g.W\11 ~,J"4Ol ,,,,,.
ThoI ..."..' '1-""" 3l.;)I~, :;......."1 Sil( _'lQe_",~counl r... 1I-,IIII.ty Thft US. amwnl """'. M lWIrlin.no ...-J...,I! IIlI.lAl. cIwQ. 01"""_ Thlrl SlaWC/- mer.
T'~."""'hO'l Jot.",. '~r .....,""0/ .......''''<ltIIh._ PIIbl,tMd ...-n..W&llI_,S25,OO.No,~"""..g.'wiU'''''rIUlI.)tm.le_1hot'lIlymllflt'il,r.'il'
~";"i..:":'.;'. !':.~~~':d'y='=c:::='~n"~~ ~~:.;.~~::P':.::=~a:=)I'\,',ll<I~ 1I''flNI\\.Ill;:~'''',,:..~~:ItIt~t-.;I~;~....~
l1.:m::N~"'1:;:~~)t" ,lmiJ .'~ l~ .~ ,ne::';i~~~"\;l::,~~;,MTi.iM:ITEM""!.~:W~- wii;. ""lIiI~'-._R~~.n 'Ilam. i..'ol.&2S,OIi',lei;"y' ~,gtNi(
II 1IMi. iiv;l...bIlC_UIl....'wi:. ,Ji;_u_ lM'I ,cl'linga," IIl(l!'linlKl ,1I._...;tllcwtd by, ..(lIi/llbl.,.I....I;! ~..,~J"l<<""l.'-m_ ""_~P1. d'IIlcIl_ t1111l'"
'1(l1l:'CIllI, I.... 11'08. ~....,n :'ll'llafG'If\' uled. UIlGit< mi. ~,...........- ,,' . ... ..."tIIono<Id ......, thIo I~, Ilf....--..-:t!\. add'Uen .1.1, yau. .W!'"' e. I,".. at r,'l!Iilt
. .1l~,~~"-'e;;.,I<.II."A.."~~,rnc;lude-~D.ilali.ot,,\tI""'~~~i,<:...',...',''-.'. .,~,,~.7r:'~-:~~~~~~~;:'~~I~;:~,':,~..:bla. ...."
;My dl...ga 'nllle;.""""'~,r"'CIl<ll"li..R;llfI ""II"" .,ehclblll Ie lhI- th.-> 'TO" PAYIIENT'FELII )'(lII. '..:tUCllr KIYGl~'f"'lInC'a1l1a'1~. N,"', IO-,$\fte
OUIl'IlIlICltng 'cw:M.fJ/f ..I_IGIllI' 01 et.Cl". um"..I11O ....mIl'" r.<c...._. A~, etI.-.g.. 1I.,..,-w>1 el'."y, Spoio:i.I,"CIwcl<.: K.,yll_. f;n.-c,.\. BanI<, ..N......"will .iIll(lQl' . ltoe
-oM,-.ThII "'NNUAI, Pf.ACE.NrAOF AATE*,II:~ "'~l''-'. . ..', . 1l~IIM,ct NiA":,":,". .. ...... ". ..' .' -',' ..'-'
An 'one'.,,,,,-in"'. AMu-'-Pe<<*IaqeAI\II m.."GlIuil,'". niQ..... monthly AESl!~ItCHICOpy:FU.,II.)'(lII '.oU&iI,'.<:rIP'/.'ot. Sp...,1I Cf1oQ<. Key;.i_
PGVl'nllnl.. tn'1IIefUIlt willl&kl ."&et llf\ the ~~ ".,. otllWnn,l b"''''Il~.ye:...' ~~~=~\~t:t,I~~~c;"C::~:,"...C~:'.=~"'i;tl:;.~n;:':,
P..'I'MENl'S....O"...ng.ltul 0'_ t>rI&H; Bell""'''' ercn>lle' to 111'/.' ....."""" ,nIllOlN..le1.CO(I'.1 ",_.Oi"inQ .rlll_...""'....~..'_'.'.m_.'"...........';on
M<o><ftly~,""',c1'W.IIDI"""l)raal...cI(ll$SOOO.eI(2)1h.O..llt...,,"lI;M"'''''Il'~...''ItOr1I11ll,...1ll'1l.1"'lI""0I..
Pflf'!<:-i<)-' _llllancM' :"u~. """""" ",r"OIl lei .\1Ill Mhng. e'/el. :'11III US'll,... Plul. ADIL'IoHCE' 0' CREOIT.BeI'C'Oi'" mlly elll..n &d>r_ol ,;,ied,t- Do _in.A<:eoUnt
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or__{2} llUllt....dl<1Q_.lJ"nc;,p.,.1 OlllPlCll plu" K"''''''' ,nt.,..r.tel .I~..tl~(!..y ey..... I..... e'-".'l."on."".~ "i<I\OUl.rN con.....,... "gnSlU<...d ....,. cm.~. Oel'lrl"'ll', lor
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,,1I0PPlTY'III'URANCI!. "'_y..I<l.u,........ .,......'''''.... lh'.I,IO<!O'"ll.d.Rotl .p"'od lOt""". '"~ - b...."" In 1......c:McI<'''lI-KCOUnl._'~1lU w'" 1)000;1"""","" 1<:1
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CIle:OIT ."'.UI'l.....U IS. NOT REQUIIIED. C,nd,' 1,1. '''1''''"''''0- 'I naI--'_~.J 1~ obi"" oad~...cft ot cl.~l.: ...d ......11" nQl.1)oo 1I"""Cl<Jd Uni..... 6"'.......(1l'. ~Jnl: b.'"",
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".u,.(j~!.(l n~!'''' 1lI p'oou" c'od'l "I. .r.$U'll<lCII''Of' ycur Accwrn _h'" Qf'fICJl .,..,.. "'1I<".lIo< .;oeII '........... a.Low ..d _ ....-'1 h~.. "'" nbhg~'onl 10\'<f.I 'I:suc~
,,,,,,,ance '. no! "(".l,mo" G'1ll4I C,-.:j'\O" "te""IU'on(;ll"~. "",".010:.. '1/00'",'0,. \III PII. I"w<_ D"Il~.....-.L .." 'I 1Ub~ 10 c11ll<'O"oy Ih.~l ~mlln1
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in>;l,I'B<'. UNlOM seCURITY LIFE INSURANeE COIIPANY, Wilmington, o.I.w-.
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a~~~,cfIQ~ liaLtl~~1 rllQUtil_J<l<nr, CIWI~l1tI"",,!"ce
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"'__ . fAt(' I/~OIjro..^ ClI;\OOWU':x>ESllECE'P'_Of '" COwPu.tCL'f' 1'fI..LE:>:<H OOl"'f'. OF Tl-iISD'SCLOSURC ~_THI'. OAT~,I~CATfD
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1FED1!RA.L num.......u!NDING DlSCLOSUM STATDtENT .. 'ART TWO , ' . , .
tHIS OISClO9UI'le ST"T!'MENf IS QIV€N 'fa 'notE 80FlA0WER'W1fH. AND 15 PNlT!M) Of, THE: HOM! -taUITT UNi NOTE __NO AGfIEEMf'NT tIC
~t: EQOITY UN( NOrE"'NO "'OAEEMENT, T"'IS DISCLOSURE STA.tE.ME.NT, ANa THe: OISClO$l,IFl( STA't'EMENT ON ~ 1" ~ '1A SHCliJLD IE
rofl' '0 "''5 ONE OOCl)M(NT
....... ~ WMICH .AY .. TAk.,. ." LIfIDU~ \JnclIf ~ . AqruJIMf1I ..."" 01 ihoI ~ ~ 'wm tNI _QA:lU'IdI ~,l..c.-\O
(;~dMo'Ibed,bIllDW, terww(~""'Nlthlll""oICNdt; lwnpor~ p~ ~.~ ole'...:!. 10'1110';1 ~"e<edlt
~l=~~ll~-z."1:~': ~n~.. :=:"oIll'e~~ VItl.
..w..lI",lhttCfMllIi'nK.and'Cfr.ilrn...osoeof...el\englMlMl_$O!fortn (1)TIIu v_of 11M MorIQ8ge(l ~ ~ wlll~1y o.low..
t:Io!Iow "l.'l)t"-oQ .....Iorlllll pur'IIC)lIM_.... r:An T.... """ be l tllllllliCltt
T'Ef'MINAnort. II \he .f,,;r.ounl .. \etrniniMO'll. B__ aMll no It>nQ1l< na.ll dec.b ~ tile ".v-.cltt~, III '~can-olll'le ~ tilnlJ' _1'* \Jlna.QI i..'
ilia ...(,1.... tQ_ooc..n 1llurI. 'rom. or m.~ any ~J'QM la, thlt ~ Vid :::'t~"'- ~:::lfle ~ lholtl"=1e ~w~~~t~
<"','"',;<$ _L'lilOOrsn.allnoOnQer'beotllig,tlodll\1m'~lIIadWIll\Cell;,,"lheA<x;(U'lt, o.Cft"OIltlotCl1lOllIlrnit"~b4I'"-~betwliwl(ill'tI:Ie :-,:,
- -= ._-=~~_=;~~~~~~~~~.,~ft ~ ~6-=::~:: ~~~.;:::~C -!~'cr,_:~~"",'c.{~,~c~;~~-c;- cc;,~--'co~
1'1 Any 8~ OJ' U...IW nM ~""",,~.. lII'1y Tl'lluu QII" ,,'...... ."f ,".,...,iI! ,r ' .....r'ilCM1.i'-~'"Vf~ -_- 'P--r'-,' ---. I" I,I~ ,-'~' j,~..'
""lIffiJ>'l'!;o!\(a!'o.-. '" QOflnechon wl\llllhe ~m, tl'le IIQpl~.on lor londoi' may 0I;UilI ~1iI1lI; IlCfI'I blM,to' lime ''': Londer'. e~pe,.1' 'n- ,--. "c_
ll\c "'IOCOllI1l, the Oood Of TNO;I, 01 '"v iJ'llon'llli 'Ofl provltl'Jd or lsndilr "" prolllblted ..t7l$_ ol Cfedit anlSlOt"~, u._~
~llltmorllilIlOfl,"'dGdl.onll(,l_thol,,""olIIlOAcco.Int, 1imjt',andthl;...luo,olltltlpropertot,Sl.lbI<<lU8'lllVinCreun,B_
(2)rhoBotTowetllillllOp.Vthep.ytl'l'enbl;.'orlr'lY'-oIh!'aJI\OYr'll1l_whlCh mol)'PfO\Iiclel.endoflMllhlwrlllsn~ltQ'IlmOII'INI,.,...tridio"-The
are due- N'l COIlnoctDrl with the "QC(II;lnl II PtornlllOO '" lho Agloe/Tl8l'lt, reql.lftl th.. l)O' ICCOmp....... by .n, Ippreitael obtainod . 8uor'1lf'S
will'-"~ 60 dilY~ 0111'IO peymefIl 0IJe dele.. _ .I.penllll., , , ' , _ - _ .
r~ BorrOW(>!" l)t 0wMr Ilk'" llflY 'c\lon.r:ll f.lls 10 I"" any aalOn For-1hQ puIlIOSlI of ' the sllCllon. 8Il'appr...1I shill be deI..;.a -11II ,
(3) wIlic..l>-wa9t:;1llml~ed ,n_IIl"-:.A.gl9Cfllenlor,lI\lho Dee!;! olTrust,...hIch certdiel:iapprals:alby,llIcIMod'uetlalebrok.,who revulartyo. il'lllle
advers"""-a~~ the Lender"1O teCU!"~y, or '" llI'lV ,roglll Olllle l....W '" COUl'1e, 04 hi..". buI!lirleQ. m..... IPpr....I. 01 ClImp,lrllble ,eciUer'llia1
fh!ltoCl.lrIlY, , _, '- , - .re.1 esl..,in the QlIOl;Iraphi(;-aree_wl'\orll!he Mortgage!;l P'OCI8!ty_-is
'.1 I! l-.rthw (l'd"'SoQrlS of , credit on lhe ~1lI are_ protJib~.!;!lo('1 "'-'Iol;all!ld-_ " _:':: '.,' .
~Jen<xlofl,,"P'~,ol'Clrc:utnSllmCOlrstldbcJklw,~- .-,,' " -" ,',,' _ -' '.'
sub~(JqUG"'1y lI'lal_eircumstanee na longer el's!S, tile L:snder ITI8Y . (2)_SorrowerNlndel~ot,,",,~41erial,OllllQlll,,,"llatMlrl\lne40reemerit
~~::e~ht~::"'o.~~~;::' :e=r :=.ncs~:' ;:Q':: PROHl8n1ON OF ADOIl1OHAL ~K)N OF C:~!DITS -. A~NAL
Properly III 3ny ,10/'110. urlless lhlll Deed 01 TlUsl or !8II'Ila Sl.lbordlnate 10 CIRCUMSTANCES. II "''' rJ,.\he COl'lQitN:tftI_ Ii$lOd '" Ill" tllC\.i6n, OCQM,
IIIe Len"""! De.lq 01 Trusl as to paSl end future advancell 01 er<<j~ on .LIIMor may tomporanly pl'Q/libil_ addil~ lI"ll11S~ 01 credlt or reducellle
lIleA.CC<X/fIl _ - ~illirnll. Llr'dor_WIU "iWJ_e~,"olk:e'oI,\hI prgn;b~lon. II
(5jThaBOITO'/lI$I"OfO...."."sellS,givosa...ay.lra",slflrs.orlak!lsanyiICtion c;rcum$taI'JCGS,sub~IV,ChlngeSOlh8\.t~condi(iQn,l'IOloflQere.i!;ls,
(or Jails 10 \;1:':0 al'IV'llCtion) ....1Iici'\ C8l.lS~ or 1lI11owS ~flVoy'nce 01 fN le"de~ sllall be Obllgaled 10 "011I' ;illQw e.ter'lsrOl'JI 0" cred~ ll'''_lhe Account.
MOf\gag...-JPflJplIO\y,Qt" <lny Pa/\\hOIeolor;l'1lere:;tthe'GII' llndwUI,give.,Bor~nbl.lcelh8t,Ihll.:rl!ldil_~aQainl'lililablei",,_
If SarrOWP.l' Is i~, doll!luit und8r lhi; ,IIC\.on durin!;! -a penod wheo !untler ill ,Ther,,-UlflClor, ~ proc..,'1Id by gov$ml'llenl ac;tion- from lfI'lPOS!ng 1M
e.lonsk::>ns 01 cred!t $:'. temporarirt prohibiled. Lend~ may, neverlholess. 1Wl1"II,I1ll p!ll'C'tl1tago rllt!: orovlderd \t.lr In the Agreement
,,,,mil\lIIe. 1110 Account .in accord<mce wrlh__-Ihl$_ slClron. (2)Th,j,-priorilyOf,Ihe~'~-,$eeur#inler&Sl.isadll_oIyaIl0a1lldtlY
ACCELlRATklN Of THE OUTSTANOIHQ QALANCE. Unless prohibited.' 'i1O'1ornment'lIClloo 10'lhe-".I.nl t",11I'le va.... <:>1 IIlI secu~ Imeres1 is'
by "w.il It";l1<CCOunl i.'18rmill;rled upon d&lault. L,ndl!f maV.IIIUSOpl,;on, IIInth~I20j.lllfClIm,of,lNICTeclIllirnll.,' '_
..liar nolle" roqvired bY' 1_; deel... 0olo an!;! !:I'Vable lhe,6nlrre baIanC8 i3)"ThI ~lIIlder I.:notlfjed llV_'~I,feOullnory, .\gcncy Ihat ClJI\\iruea alNan~
:i~r:.:.fl:lt:.;=: ~~~~i;;" ~=,"~Ofi::w::,:~::",:U":td l~a~I~, 'con,lilule llfl'UI'lSllle ,rtd un~ practice. . ' -
1I Borrower iii "1'detlull undllr the secllonabovq,UI\e(j'''TerTr1lnaUon, UpOIl (41 i.encler:,,,uonibly' :D&lie-J8S, e~er,~wl~-:not b. ab,~" -10 mo'lll I"'"
Dot3Ult" !;lurfnlllhe Repa,,-mOfll Phaso or o.u;nQ e tlmll wl>>n thl,Accour.1 is r,ep.~ment' requirement._..ciJe 10 ,~ m:!lolrial"change' "1 tM_ SorrOWCt's
:'n,:,dv J)1~n:odi;;.o~I~Wf: ::":1C8 =:ed :r ~hell~~ : 'linellC~1 <;im!m.lIllces. ,.". ,__:;'.
11 LGndcJr, dec\.Vflll the,tn\ire'oaI&rlCo dva Illd p'Valllo,-Lender can,bn,ng (SP_he ml\~imu_m Annul! P~I! /:late is rNchll{!:
:01,111 lor fN emounlC due.. 10fQCl0s1Ir tho Cee? _01 Trusl or'takl) othor ltCtlG'l CREDlTOfU O...noH-_,OH DEFAUlt-. II ,"y, circ...ms~ It~r$ls_ wh'~h
as. permitted or -provi<lGd lly ~ to collocl'tl'le balltncl_owing ''''Ol.lld,bo clIllM-lor'Lendet 11l1emporam" I)rtIhibij futlhor:'.lensoons'ot
K~ f'\nInCIet 8anIl. M.A. 1!1l.1ICUI1'Ie atflortr., Only II t!"... agllmgiOle. - reiiiI Ufl tho .A.eco.inl or fltdu(:e troll aeclil Ilnid' (al Such adlQn may be
ir.oet;J\edncss 10 ,ny olhor_ tnn~ Or ll/ll'llui' a~C1lI!ds the amlllJnts, sllecdied ~lr.~ _ by lende," ill aiiy 'UmB, ~r'lia Wl'l;c~ ~e e\reumstanGllI ~Ontrn;es 10 '
~~;;~i1~:~ry;~sIO:S;n ~~~~~::,~~~ ,I:' ~~al::'=ll~' uisl,_lll) And the Cira..msllllCll wClill:l, alsO bet cause lor troll Lendor- 10
PROHl.moN OP ADDITIONAL EXTENSlOfrlS OF CAEDrr .ANDIOR term_lr\lJlI'!he',AccoUnt.'Lllr.der mly, oIIt its option. lake 8ld'>er actlQrl al any
REPUCTlON 011 THE CREDIT UWIT. "-any ot lho ~dion~ -listed in trlis tim. 6.lrinQ, whil;ll th. circumllanc. conli....." 10 e_lS!: UlnOotr't ,emedies
s&aion occur, - Lenckor mey_ temoorllrily prohib~ additional ""tensjo~ (II illl~ be ~.....laliv~. an,d noI aJlemaIivll " . ,
credit ilIldlOr rJJdJCO U,e cr~k limk lender will notify Borrow... ....rlnin!hrecl PROHIBITION OF AOOlTlONAL I!l{TEHSION$ ,Of' 'CREDIT, AT THE i
(3) ,llusiness days InCI . lItll...,,1II ol'flle f04son lor ,SUCh actiorl_ TM: '.' RIEQUEST OF' aOAROWER,' ...ny SOI'.awor m't dif'lCt the Lendor to' \
&uspen,iOl'J is 6JlllQivl!'vohen l.,def,",/Iil. the !lOhC. '10 B_.. prohibll_lutthlll" '~ll",!on olcret1il on Il'llAc:cllUl'll A ootiI:e by anv ,
SuSPon.cling'lhc) acCQlJnt .will' llOt atfe<;l, 8orTOlOler'lI ollliUlll'lln 10 Lond" , Borrower, ai-an Imontion'nollOba,obllgllad IO!' ilIly.dl:lrbOnallo<ons onlhe ~
- unOllr Ihi" AIjlQ8Il'IilI1I. ll_cirQ.lmllenc::OlI 'w~eq!,lefltly eII"",e -" that Ii'll ...ccount' ~I'IIlI be' cons;dIlred . request 10' !:Irohrb~ lur1her &'IMlsioo& 0' .
ConditlQn'which gave 111111, 10 the IlmhibollOn no longer elisl., l.ender $hlI~ . r:.red~, 'The pruhillu\on lIhaIl llecome ettective as loon as lander can I
bo Obl~alod' II! .again' aIow fllIllll1lions of crlfd~ on thO ACCQunl or l'IlllO''l_ resllTlabl)' iCI to $lOP neW' ICIlnl Irom bllng mlldl. A"V Boor-owot whe
~c::~~ =....~..a\::ll~r(lQc:;~:~ J::e~~:i~:,,~'~> joined in lho request-lO prohib~, """her e'lI"...ioflll 'l!' credd ",ull join _in'any
. reason'b\Oevldenl::'\halI!'IIcondiliOn which,gliven.olotM prOhr~\1on I1(j ..cqU(lsttoreaC1r\1alelhlcrClSllliru~~suellfl'lQul$t,lObeelf(l(;trve
\orloJ!:"_ e^ilS No tondilron listed in Ihr. seC1lon" or :hll tld llllll ~h, In, order- I~ Clrovil:lO YOO wlll\ inlormatlQn on othl3l" ptOduCIs and sONk;llS Ihill t:',,':"~:
c:onddlCln'lIO long"'~isls,shaIlOwtendorinanv,wayalllld:lhetfll'minal!on ._might be, GI interesl, you authoriZe os 10 shlro YOl.lr,ac;counT. history al\d
ot lhe AcQCUlI according 10 'any 0I1\ot Sethon ~ p.lI)Ifrs'llll_',_o\, lhill. .dat.....lt~I'!Key~IQ...,FII'IeWIellII,lnc. '
BILLING' ERROR RIGHTS
(Keep thi. n~tlCct -'or .MUte_ use,)
Thill: llOlice,C~'~ ;,-"r~"'lllllormallllil aboul'your nohts an!;! oor responsrb~~leS .."'o'er tne Far' C..d~ e;l~nQ Act .
.. ,,,,"IfyUllnC...of_ErultlDra-'IDn,AbaUIY~r&ld ,:; '.
II you ,l\ll1ll your brtt II: -"fOOQ, or ~_ you need mQfO inl""".lron abcul a u'lI$a<;:hon on ycur br~: write us- on a sellara\e sheet, as soon as po$~lble,;ill me
.... 3d,lIrO'..$\i&IOO on your Dill. W. mU$thoa.rham you no I.t"" rhan GO,days a1to,wosllfllYaJ the Slal$lllefllconfainlr'lQ tile OI'fQr, YOU can le~.ione UlI.llul
1 ~~~~~~~~ ~~~~~=iJoPjh~~,"g inlQn;.i1liori
. lourn...elll'd'acc,DUnlnutnbtW
. Tneoollar amounlof1he$lC'fjeCteode"or, " :,,:
A lics<.:nllllQn Ql error and III I.pbnillron or wh1 you OllI>9vO Ihrot, I.: ar, ~'..-or
IlYOlJnctelJmorerntorm.811Orl:ptaasedtlsCriuelheillnl,YOU,&r1I-U~l,Ire,QI ..
q YOU ,l1a~r: a.4:>Olll'Q<l I,lS '" pay YOlJ' b'~ aulomalica.lly from your uv"",~ or checkina account .yOO can ~ \til\ payment on anv amOO;ll. ).'CIJ thif'IJI. is
...,orlQ To slllJl tNI pavmcnt vcur letter must r~llCtI us three IluSIrlllSS !;!~ys llolore It>e automalIC ~ymerrt is schadul&!;llo 0CCUf.
'YD\lrfllgllQ'....,aurl'li''''';''litUklM -," ,:',__ ',-' . _' ," _'
WI> mU~1 adUlo...ICdge YOOT lesliei' ...<thin 30 days, unlel;s..... hllve corrected lne,er:t7" ,by the!t, Wiltlin 90 ciaYs: W811'11./S1 olll'llf Corroct the error or,'(llOCl!an wny
w8MI~othctbillwfo&(;Orroct- ,-_', ,,',,_" ,,'_ _', .
Afte' ..e .-oooiv," yOuo' iOUDr, ""0 canllOlIf)' to -coneo:.t Qf,tOIlOrt' you as delinqvenr. tor ..-ry lIm~(sl on d,sp,Mr, W. "'Iy cortInue tQ big you lOt tilt amount rn
qull!:.tiotl._incli.:ding l"lincedlllf"Ol"i, and....ecanapptyanyU/lDlllCllTl1ountag.m~'fOWCrGdA.i\l.:l'OU c\O no! h8vetop,yar>vqr.iestioned amount...hila we
...... it"'4~ligalong, but ~o.J aro strli Obligated 10 Pily the "iIl~ 01 ytu bill thal iInl not ir\ q",,"~ior1_ , _ , .
II .... r>tllllt'ort ..... "'ade.. m'st~ on I'" brll, )1<10 WJ~ :lO\ nave 10 pay arty IrI\;InCO CI'1a~ ral;lUld to iIIny- OIl.lllS1lor11ld amcunt_ II It,$t. wllS no _, you mOly
na.., fQ fl.y t,nence ch.'l<gB$, plu& ","'nd paym_.: roIatir'\l ,fO the "';put"d amcunl, In!lllhlll' case,' YO" w~,sen!;!__you I statemont 01 1M amlUll yDU ""'''
....'~ tnlt <:llll!!l"al d J~ dli~ ' ... ' '_' ""':, ',,: ,_,".,' " ", '
!1 to'" 1;11I10 pay tho iIImounllhal _ tt>ink yDU _. _ ",at rOJ>lll':l you a dolinquMII. HoW""., it our .pl;Inalion does not 5a!'flfy)lOl.l ancl Y-'lU ";rile 10 i1i,"
..,Hun IQn l;liI)'uUlII"'Il u~ thai YOUlil'lI '~..e10p'y. "".......11I1114I..'1'_ _,epor; yeutttlhlll; you 11.;I... a QllKlJOI'J al:lolA yeu-bill. And, Wlll musilell you thlt .
"...,n"" ell anyOf\O _ repon&d,yOJ 10 We rtlJJ&tltll anyone"".-"poII you lO trWIIlhe ",oIIf" hN ~,sfIlIllld beIw_ us....'*' d frnally is
If...e- don1 jOlro", lhew "'~. we Cill'll COllet.' !too Itnll $5lI of \t'oo d!$pu\Od emounl, 1l"O'P\ ~ yeur bill w_ CO"Ted
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MOneE: SH tA OF 1,1, fOR IMPOflTAItT INFOAII..nort.
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(SOtTllWOf.' 1:opy4.f:I\der.Qngnall
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": 0"" IIflONJlI at.ltwo TO THlI\CCOUN1'.,i.ender ~ . IItI 0I:l'l1On,
Q'1_,CrodJI,onjhe~",1'lJIpO!IH1Cl~oIl'Wreoueclrorc",0lI
....""by9a'"""'*'....,tIme !lud\..I--.C11C16d.a/'ItIllltObo
~lJIopot'~IQ!toIIAccouIll,
~IIEMM1D1T'1 or: 11ft TIItIII' Of TMl ACCOUNT. Lotioer m.., _d ' t,
lhot Mom. ~ 1/101> Account D~ prlQl' !lOliCO 10 a- l.Ir~,I'" lOIOwlnQ
GotCl.Iltrclanc;M /;HANOI _t;W ADCIMSI AND M01'IC:a " '" ' ,j,J' -.
1" ",.. ".,.. ~ ""." "'~a~""" ",'"..._ ...... ..,.. .._.,_ ~"''''''''''...._......~ ""-.. '5"
no IonUGI'-" j;j<,IblllIhoG or It OlMGlWrM'Unaw'illltll., l.enClOr "'''~ o;/ll/'llilCl '" Soroower'. <tdlirtlll., AI rlCltice& ind mcntl1ty 1lI~.. will l)O t:
ltTic! ,r-;ao. an", ....8I'{1.1'1 usod tendOI' wll mao.e ._now'InOl!tllln.t Il... lln dollvoweCl 10 Iion'llw.. II Borrow., IC!d Idd"..~ ~ In ~
__ hltlOtll:,almO\lOl'\lOl'll,suIIslMI<all~.il'!!~,'O,ll'IalolllM \lfIQtnlllMe..'enlf lende(. recor<Ill N_ SCOlll0tNl IIcltlret. ",III be aflectlw,.; 101' -" .
~--- --'--- ",", - ,"'--"-- -r--.,....;;.?wi-n~r.~"".'--Ifvli_~'!!'I,::_!!J!_~r~~MftdI-.I'lIU::.--<Jf_Ialt.-~:, "__,, _ j....:,e;7'-o;\:,:.:~-.--':
- --'--;--"~--~~~~-i-.&~T;~r:C!~i7;':;::". ,- ~_:~~' "~-~-~_.~,, ," ---,-,-~__bll1Itw;i~~=~____~~='=~ ,_.~ -.--
::') l~ may ,nue a"inSiQn"OCI!:II cnlngo In It'la1l1f..... ot lhe Account " SCIn1iw. ",....e. an-;. ~ert, dtomaflCl;-prOl.lt. notlCl rof PrallIIiil
p.ormrttod by I.oC!Orllllilw , .nd dIIl'>onor ana M" OIlIer nOlie. IQ ",niclt B~ ff1Wf be ent~r:!:
(:I) l(l!ldor ma~ "'1l~0 . chanuo, lfl'_IM lorm~ .ll lne "Cl;(lUI'JI wh-;:h Wl~ .rId "'a~. by IIW. be wllwod .
~,~ Bomrwor JOINT ~ND ."'PA" oBuaAnON.
""t ",I>or' amlltldrnant 0' the l~' 01 lhe AGco..,l1I. In\IIiI be COI'Ila'llIId In .
\\Irillon agraamenl belwcon LentW, and Borrow'" . Eacll Bomiwor wno SiQr>lI'IIlIs:,t,greement.. .In:! lIlQlI ~lIrel
W.""AMTlES "NO REPRBENTAOONS;, ,- _ ,> , __, _" 01 ,each,,- will: bo llqllaly. rtlSpoll8;l:lIe. Inaiv'~1y and logether, lor
Borrower warran~' and fIXllllSer'l, IIlM tile -"mas, (Colllltlrall ant obIained paym,ent-i" full ot, IMllllill il/llWflt o~od "
an" will 0.. ~...xl In conlllJCtlOfl ",~h Ia\Mul aa...~IeI. P\ll'Sl.IU. endeIwors," A$SlQHIIENrs. ,," ,:- ,
ventUl8!l: ~ bu5inO$$fi,' and 9orr~ w,ilI not UiM IM:tunds, (COllaIeraljlo aorrower,-ff11V not as~ign'cir\othlIrwisll Inlll's1llf a~'s -righl. ~iI
v'OlalO~~la.~thatcaJdrnUk'nI~elluro-_PfOCfllld,ng~beIng~nat'lU\6l'. D'Wl8oesUl'lderlhilAQreement" ,__' ;'" " ,-,_ ~
BorroWerilllrOOslopr~ptlylnrormLonclorOlanyPfOpOl1;lI11PrOc~SOf loncler,maYalslgnll'ly and all 01 irl'riglltt'and Dbligabonll-IJnderllllll-.'
actwlprooo<<lir:g w"rch-,.'Q.lI,ll-lIUbjocl!l\elul'lc;!s(Ccllaleral)lolOl1oiturelo _...greemonlandlne,MQt'\'i\lJQalllanylirn',,,,ilI1oJIBOffOWef'sconsent.
~ny \l?'omm~al t>ody The pe<wn{~llo ~ Londe<".'aasogns' lhil; AllrMfl'l(ll'l\,and Mortgllgo
~I\aM' bo' entitled, 10. aII_.of. lend..'1 righls- and bI":WbloCt' 10 ,lit:
STATEMENTS" "', _. , '_ _,:__",_,' l~'a-oblirJa\ion<J'un_aer-II1,Is'AUmemcnl_and IhiJ'Mm\lagll, Norlll .-
Londllr'",ilIma.ltoSon~-aperioCllC-StlllemonloltllOActount.tll1o...do! -0/ ,SOITllWel"s rIohj&'cshall-,be, allGC!ed'by SUCh I(signment.-
OolClI Billing C~cle._l.InIEISB-wcll alllal/ll'!'l_el1l. ~'not l'OquirOO,by law ThI~ l.atOU'S,tlOtn:ClF-SEf-o". :-, ':'", :,_',-'-'_'
"ll<ll~n'onl ..~, sho.. \I'Ie ac\iw'ity In tho AC1;OL!n1 dl.Iritlg lhe Billing Cycle, Unless ,'. TIIa law' giVM lhe,~-lI 'rlght to saC--olf in any (II ~ BGr;OWer'~
~r fI!l!illcs Lender ;n'wntWlg ot I3rrlIrs In,11'loI Slaltlment ",i\/:li!\'60 OIy~ pfOl)8rty _in u-~s, pl.lSI<lSliion at ~ tim., _includinll: OOpQSiI
frQm the dalo iI is mliled,-the S1~en1 sllall be_cortaiderer:! cl)I'rlld-'fld .' acc~lS, -Thlll,moanc thal..,il-lh. Borrower del811~'s. IhO lendor may
aG~W'od l1y l>Omlo'lCr: ll'lIIeTe_is more lllall _one Borro..llr, eacn agrws Ihal ~ .:,e~llI'CI~ Londer"s nghl' of SIt-on"atlO apply any, c! 11\0' .Borrowor'~
rhe Slaler:'.(,!nt i5 ,~ol1l. 10 II1d lICCOOlll~" bY arry' Borrower. 'iI ~haU be, property.:,n -l8l'lclfr', possKsion, ,rncluclmg ,dOPOSil aeCOlJnl~, 10 100
con$ir:!eredCl;lrrllC\aSl0,flIIdaccepJC'uby,-all,eorrQW~U - . ....mIElO~...,owoa,on,II\iI_~I'II- -. ''''__,..-;:'
SECURrrv. ,':-::, _ _ '_" ' " __', ,- -, -, Onf.ER ADVANCES. :,-, _ , ',_ ",,':" ,,_:- "_
. To ~OClJre 1M paVmenl 01 sumS'd!.lO on IniR Aceoulll,- Own..- andtor Ow~i:'!l: :II-Il>e BOrrCwOI?'OWIIGr lails to- purchlSO Firll: and ,EAtO'lded CO\fOfsc;e
ha~e O~eQJl3d a ~C1age' In Lenller'~ _ :I'o'Of ,daled, Ihe-;I,,"., dale ,lIS IhiI ", :,or _Flood' .tnau(~_ CO_aue _Of dOClt}'.ol_ pay, la~es wtl&rl_ they, ConlO
,t,qreonlen\.' ~1fIder: lIereby w.w" 19iVDupHIS'slCUfl!y, Intoresl,in U'lll-' 'duIl,- _or:.,~ l'lOI,'propoifr ff1~I....: lhG PffmlISlJI"lGnc:l8r may, il
M";19agcd'f'toportyac.rQan)lI,.t~s,onol-credilI0"lhtl'-e.lentthatU'WouId, .lender 10 Chl!OS" (bLlI,wI/llQl,l-obligal"," ,,"_Lend.'I-par!I. Id>lance
ca..SO IhC",QiAstand'l'lIl-balance 'IO'li<caor:!' !"e AUlhOlizGd Credit" Limil ""suml!. on B~,~...rier's b{l~r-~,Ih8!'l1l ,purpOWl-'in_ OI'd...-Io-
BorrC'wer or OWlMIl' also Oral'lllllendl!' "securtty Inlore~lln:' " .prOleCI, i.enaor's,lfll....t in JhQ l"remi$$II: _ A,"'f sucn lldvllOO<&.ter~
, - 'm3kes,on ,aorro..er'~lOwner" behalf, wil nqllltHCLose 80rr0W1lf1O~n,llI'
(Ii Any_of!3;"",wer's propenywhiCh is ill lender's possess"ion a,-a.1y timo., '_ .1roin-SOrTOwer'sJOwnar's ,...\lIe_lo 1IOnor, Sorroq.'$IOwl\llf$ promis$II'
(2).AIl credk insurance prOc6eds;u.J r6lUm insuraM'! p..,.,iUms,'.whidl anv, " _.nd"ol:Iligallon~ in tho AOreement,', TM, amBJnt~ t,enclGr'lIOwartCa'i_Ol'L:
BOfl'owef_61llC1sI0 ObtaiI'! . BOI'l'OWor'sIOWner's beha~ will b. chartea'lo BorrOWllf'~ .t.ccOLlnt as
(3)Allpll)ClltdsOlinIllJNnClt..;,hiChl.....derroquirosB~...OfOWroerI0-. IQIns:'-
obtain on the Mortgaged Propert'1 'In ,_;ICCOrdance w~h lhe MOI\Q3_QI' . -."SPlOI.I. CHECKS. . ' ' .
ilntvorltliliA\lI,"mel1l. ',',_ _ - ',,," , OWNERSl-IIP-OF CI-IECKS Tne Sper:iaI:ChllCkt'-ire at aU I,,"es
Cgll.1leral aecuri~9 olhtlr _gbt~lIlion5 10 lender may also secure 1I1,' paymo-nt. tenctor's, PfWlerty:. BOrrow", allreet' 10 rellJm _aM Uf'OJsed Speclal
~:I:;: . ~~=.S~~~:~~::F:;!~~~I;~~~~
"11 m'~_AccOlln! is lem>inllled:SorrQW.,r 5"aIl,no lonilOf "al's the r.ghllO PROHISmON OF "AYMENT"WtTH:sPECIAl CI-IECKS. Borrow~r
= :~~=.: ~a~= ~:~IOO~I:Oi:cA~~~lfu~~~:~t:r :: .1l1reos 'lOt ro m4kli p~ml'ff1110 lendar on this ACCllLlnl wi:h i1 Speclal
Oplion.' GhDQ'Je6 10, mak.a IUrttoor adwaf\C$$ 0/1, lh" :"ccounl" sUch advances. CI\ecIc. n.~hed .~, L;en,der unOer tills ,AlI"Mm&nI,
sha_ be propar ChamC'S, IG th~ Accoum lor .."icll BClfTO'WO/"shall bci,~. 10 POSTDATED, STALE OATEO.,CERTlFIEO,: ANO'S1:OP' f'A'YME/'!lf OF
rellat -11 tho A(;cOlin! IS t"rminallXl. ,lJI'Iless- l.et1dllr, 6>le";'Wi;ilij_ right 10 CHECKS.., ProceoJres~:..I,,"$, and :Ioes lppW;;ablG 10 :ccmpnble_,.
-'0<:1......('1 l~,nalanto'o b<;l.paid Booner, 111e dly IoIllI'Wing !he,la51_dl~ 0111'10-' ItIflSIlC!IOflS, on' regWilr. chGckinQ _QC('.oontS shall appi'y -,to, special
eillinll C~clo '" ..tW:li 1M t.rm."allOfl OCOUfl shali bG Ih" firsl day o!-In$ : Checks u~cIcr Ihis _""llr!JO"l1n1 w~/\ rGsPllC1_ 10 paslCl:llllll' cMcks. slide
Ro-paymoot 1'11'11001 llle:AccOLlfli d...d'_~, _Cll_rtltyll1Q: chloi::k.-, ...._d slOp paym&l'll orr:!ers BonO\fj6f
agr&ell, not, 10 isS\ie:p05lllaled.-S~,IIII-_,CheI;A!l.,:Certilied Special
. G:hocl.s:w1l1,be posIed,.\01I)I AcCIlLlUI on \I'Ie day 1M_Special CfllCk 1$
"'-:::;~lu~n:;~,-;'."'"~" ',- ': ',",-,'" _-..: '" '\
lta,..detormjnedlOl"anyreason_lhal4'Part'QI,lrns~ieemenlis
~alid _or unl!lllorceable, ,tIllS shag ,no! atte<:t'-lhe ,~alidlly',or
;entoreement'oI any Qlller PfOY'llOI'l Olll'lis,Agrollrl1ont., Thois-Agroornlfll
willll1or!_IO'd.,~i1'lheitWalldO"-~torceaIllepo:rt__':lOt~.
ENT1RI!, AGRI!!tM&NT~ . , .
TNI' A\lieom!lfl1, lnclidlng' Oi~CIOstJre StaUim~_'anj A:cl8l:' lIflrelo. ,thol-
Mor\(Iag., and ,1/10 "pphcatlorl Fom1ll!laled 1O thIS IQIn c~ntain !he
. entire agr-.oI1I. !:otwGen Lendor _ and Borrower" Tl:o,~ "-\lffi:lmllnl
lNp.:ll'Se:lO-l all Prev1Oll'- ag,ee""-III$. eral Of wrillen. between tho-
PartiOs _relating 10 rh;,. HomQ"EQuily,lil1e 01 Gffld~ .
_ oOYERNlNo LAW.
. Thia,AgfOlfl'lllf1\' chid! be go~'-ed by llloJ laWs oI~:Cornm~NlIh;n-
PC'I'lnsylvanl '~.cepl to lho- c o.ler~ :1Ia! wen I..WlI~, nawe been
pre-emplodor~ededbVler)lfallaw,
J&1l2l40016
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COLl.ECTlOH COSTS.
BOl~(fr- ;tllr\iOl~ 10 pay _d COLIt1 COSIS:aM lees;' as we" Ill' ~le:
atlOln$v''!ll&ll\l.'1IS pr.rmittl)(t by law. .nc:.rred in ..onl\ll.1lGfl "'~!1 any ICllorI
mstNlIIlld 10 G<lltecl on thg; Accoun\ <)t 10 protocl any_C_oIlat6ra1 secutinq lhe'
Act;OlJnl.
P.lVMOO MAR'kED "PAnia;NT IN fULL~,
l
B(Jr~eI a!ltGO.S 1'101 I:)" wcm~- an~- checks to L...cIe,:in, Patmont 01
8Qr'owe(s ,Av;oLlrll m~ _"Paymen! in Full- u~ lno amoonl,ot !he, <;h<<.k
~-lllrjea<;\!ih:l"ilIIOlho,101a1~lhllnowl"l1on8OlYowor'.Aceounl,'lf'
BO":>'WllfdooB "-<.!bmilaGIIedc 10l.6nder'marlWd-"lvment in Full: lor a'IJrn
Jq::s thllll Ih\l ba~nc;a'dL>c_on lhe ACCO-lIlt,lcl'ldor_l'Iay ilCC")pI the d'leCk ill
pa<1.alpaym""l.ol1hobalancod-..eOnJhC'Accounl,M1dnolb.boundh',/\tIa
-Pa~moll( ,n Full- nota\lOl'l Le";;lor, w~1 ,>01 be doemed 10 ha;we, ...ai\i9li .le
'.llhl5U1Il.lq....."'~ntotlhubalanCG'dL/eonllleAc<;:0LlI1l.bV,-accop,I'r'I\l~
O:;flO(;~
L
KlyatDnl f,lnenelll, SIItk. N.A. IEx~cunvE Omc~RS O,NLY
Illneag\frogate"ndabtednes.sloartVoll'lef,l:IilnkOfbatlk5e.~~1I'Ie
amOU"I~ J;poC,!i~d lor a-.cateqory o1lGW1" ~b.d If! Regulaloon 0 Gt 1M
F(ICloral F;<l~er-".. 6oa'J, tt>=n Ill"" loa" mav I)eCCme intmodlaloly dutt and
pilyanie
k[,C'f'o-
NOTlCE SEE 1',0, oi= I" FOFl IMPcllnANT' \NFORMATIO'~,
2AOF2A
(Bonower-1 (:op~.tellder-.()figinall
,
EXHIBIT "e"
'I".:." ~'; w
e
""-'----
. OPEN~EN:Q MOAT~AGE _ ' ,18 ,I, 369Z2S4.CD16
(Tt:11. .Mo,lgllge, Se,':u,.. Obllg".lory Future Ad~.nCII.) '_" _
THIS MORTOAOE. dllCd: August' 10. ,1999 - beh.'....-,JAMES 'A- CHAtF,lN ~
'" " " _,ot,'2.LI_8ER.nCT_,CM~I~LE.:,PA-_17013g289 ,_ '" ' ","',,_ ' ,"
iwh01hur one -:II" ",Off! ptlftOO!; c!l!lcd .O..ne'.',.....d IClty'IO~ ~..cl"j 8.... 10." 0... Key.le_ PIaU; .1,,,"bufO; PA t71llS (CI\tad ~,Le<ider.l, ,'.
W1~EI'IE06S. JAMES A CHALFIN ,', _:' ' ~"tielhef_one~",oroperwns';all"d,oB_er'l
hu been 1I.anled II !,OME EaUITY LINE OF ,cI1EOI r Accounl (r...alhod 111.. o..l<;counI.j by Lend..., wrth . Cr.dil Utt'lR 01 S,', 1 0 (J ~ 000 , a a .
es eYI~,irll by """'C1:OJf'I Ag'tternlff'l! fc8II!td Ih. 'Ag'fMfOlenlO) dallld August 10, 1999 .
WI(~S, If!llOOr il obligated "'''OOr I.... I",n'"llllhe A\J'el!ltt'lenllo,make-a.~vanc:etlO BOflowOllrcm lime to limo up to tile amounl-o' 1M C'ed~ I./fnlr:
~ '-',", -', -', ~
'M4EREAS, BllrrCWeT hu <!Q'!)I)d 10 .ermy 'OllC11 obligatory ,lIdYe"c"" _iJnd ....0'''.1, lhorCOIl in aceo<danct wilnlhllllllm& ol_the AQreemunt:
NOW lHEREFOnE, In (;o"..idmalion ollho above pmmir.o& and to ftllCU'Il10 lllndl!t:U1o 'omaymtlnl of all an.oi"nls, w,lh inloletlthat_oon, advanced 10
a_or ,In ~l:ordanr.a ..ith 1M I.,,,,,,~ tit tho. "glooment. Ihs p;\ymenLof 1I~_SU,"5, with Inlarest lhofeon, adwllntl!d 10 1I,Qtoct rho fieeu,itl. Ot_lh.!
Mod~lIlJe. II.., Verlor"'IIRC," ?I aN ~ovf!lf<l"ls ';"'~lIlnod "' IlIe_ Aylll(lfnOlll ll,nd lhl_~ MOItgaye, anrJ ~II o.tensionll.,,_renewok. rnodilocllltOn$ alld a'Mrid,~...nl~
or,~ "Ilrecn,qr'l, OWn&!" ,delft ""'ehy m()flllarJo, 11"11\ llnd COI>\/IIY t(rlcndlll_ all ot thllloilowing described mal (!Stale, together wah ;ill i"'pro.cmerds
lIO\fIIorh&rea"ere'ected.8ndallO-'lsem~s,rlghl..nd'.ppu.ttN'lanc;oslhereon,locatlldal"
2. ~l~ERTY ,~T'CARLISLE' PA 17013:
S MIDDLnON CUM."ER'tA.N'D":'
Slrl!ll1.
:Corl;~~ih ot F"enn5f-r.,,'anill. (_ih'I.P,O~y~!,:,:'
~
'Townihl,DIC_I',Muilk:lflaliiyJ13Orougti COUI1ly
"Wtrk:lJ WII' corw"Y'el:i io ~I'll"-b~ Dean" dul~-fO(:Or,[h:id-on__Sept8tftbU 30;'199&
lor Ihe:RItC/lI'~jnll 01 O~adl:; II! ,und COUnlV In ~ Booli No~.t6 ,Pella 809
'TII~ -Pan::al 'Ntin.blw (or 011"'., ~n,i'orm. Parcel hltlt11~iOI., ~ ,nnYI :Al62.L:~.95 .;i. It,o Pl"pa~y :1. -llwiu_ o;t01lcn'Jt'd and. _0 if cl-<<~~d. 81
the Properly t, n'\I)IO ~lII1ICu-laCIY.de'Crlbad in E~~ib~ "A:. ..hich I....,achood ".telo IfId madol. ~r\ h8teo'
Owner lInd l_l!I\d<)(\:Qveflllll\ al\d~11!O a~ lolln...._' , '- ,,' _ -: .- , '."., -', _':: ': ,,_ "-,,,
1, THIS tS AN ADVANCif MONEY MORTGAGE.II is !l"~II",,"unde.81O<>d and a<J'ood thal II'" Mortgago SOCUfl)S. intlll" aha, cellain obligatory Icatlil
. _ nnd euv::lIIC..~ to ,1rIe made lrO)tn unoe 10 1'"'0 b1 LInd8\' to aoUCW\I', 1lUf$U8f11 to the Ag,eemenl" wkict1 ,lulU/II ad~ances-,ifo sOCUlod b~" Ih,s
M0fI9allcruilmlidll'oolhodalaMtllOl,;,., ,'- ,-', " _ " , - -, ',.-'" "
2' Ow,ner lII\d Bon-ower, wo,,8OI IInd 'up,.,..enl 10 I, eIldltf:lh.1l O....nur ownt and IS Iawlull1 SEl1~"d of the Mlale hereby COn'Ni"" anll h:is 11>0 'lghllo
1I'lOftq"-",,llranl-andl;O"w/lYlhttP'OI->Or1y.a,,('l_lh41lhef'lQIlOllylw.,Ulloneumbf!led,t'.,l:CflItor~mbn\'\CMollllCll'd , -
3. Btlr_ shall- p'omplty pay ICllel1dllf 1nt~'\Ist, prindpal and any (lIher sums dllo 1Jn~ eM Ag'eemenl. _in ;J(;CI)"Janc.. wilh the'teu", or the
Ag.oernont. ", ".:", '" -, - - - - ,-
4. . lhot pI<<:oods,ol 80y aWf"d or dll,m 101 da''1"IlOS:dirltCl orr.\I'l$ec\Ulll"d~. in t:onn<)CtlOfl with any conlJemnalion or Dlhft tak;n!J-'O' tl16Proporty, er
, /lart U''S'flOr, or oo"wey.I",..I!l, ION 01 ,",'lla,""~IIon, afC ha'aby Duiuned wid &halt bllllaid 10 lGfI(\l)f. ~ubiOClIC the Wm$ of ally pr<Of-mOftgatJa
00: t<<\JIll~ Illlreom8111. The p<(l(;':lf!i:ls _of, suck lIWa.d may" III lende'.'s OJJliof., ,00 u08d 10 p::ly \htl, QU!$lllndll1\l amOUlI1 IInder the Allr_"1
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"",,G'\'l'JlI_ tlV' a"y "'!'lk:II!" ''''IU',1Id ,n>du< ltl~loIio.;ahIP_ law 10 till: g,~.'II1_anolliOl "lllfU1f:'1, (<I.) any /'IOIIC" 10 0.."&1' provid<ld lor in lhis ,M<)11I.la(,l't' shall b"
gtl/OIl by do!Iioe,I",:r',r1 ......Qt"'~y Qr by I1"O'ling (veh IlCIli(A !lY ,CGlI"rirxl,ml1il. w'ld'Il11_I'l'd 1<;> O..nor ai I_M Ildd'e!;1I 0' lh<t ptOP<lr\y "! ./II $uCh Qltllll
add'"'_1I1 OWrler OlaV ~tg"'llte Ill" nl'iN;e,IO_I,I!f!dot n flfQV,i,j~'I'C;c'n;,a"d {b)....y,tlo!ice l!l Lo:!f\d<lr_sll" blI,glv(!r' bV ClIr1illf!d mJil..lO
lendof', llddll:l8. stilled IIO'81I1or'10 lIuch olhor ~t;ld""'I',n 1-endo.,rnIlY lles;qllllla by,noIicelo:O",nor',as ptowlded herllln, U.nolico is-Qivllnty
9&fllb,,'ll roaM, ~ sn.ll ba l1tMn'Clll0 hllve bllO!1 glwenOl"l_II.~ dAl<l 01 m,.m~
Ij Owner w~ n(J! i.ea, WO., t~onslor. Qt ellcun;bCf lhn PfOpMy' or, IIIlY ,Ight In the pIO\)(II1y, In whole 01'_ in pari, ...ilhOOJI Lllndor'S ;)fior w'~len
Imnnl!lsoOn. "
1. Mnrlgit{J.... !;hall bo in de'auII unde"lh", MOI1tl"Y" If Mortgagor b'Mk. any promi~oor lilli$ IQ IMlI101m any du:jo$ l;Ofllainad in lhis MonQaqe_l?',ill
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9_ . On '*"MllL Mortl,lllQ,llfl. ahe" noilee f/)fll1~Oll bY law (II' in lhe All'OOlllenl, ,nay l;l~fl any action allo...ed uy law or unlloi- Ihlll'1'm$ Ol.lhtl AllreernorK
otlhIllMOrIr;JI'\jl!'
M'1"'I_i"",0I h",e' ior. '''VmO'd 01 ,cducllOfl ol,the a_moullI illie undor Iho A~'OX"JI\O."nl wlno:;h i, grantod by I.cnd'l' 10 Bot'o...e' ~I'~ nol' (11'8'''1&
10, rcl6as.fJ If! any manner any Olh.,. a_Qt."....,... '" O...ner .....~' UN! 'o,ms ot IlIe "ll.comen! 01" _'hi, Moni;lage, A.'y lorcbrla';'!'I\;e by Lcndeo- In
o'OIc~r'Y 3I1V l\glll or 'I)Inedy undo:rr lht, MorlUago (I( Olll\ltwfSe .tl~de-d by ~I't>licable 1_ shaH not be a wai~er at or p'llCludo lhe a_erclse at
...ysuL-tI,lqhl"Uamild',- ""'- . ' "
10 I Q<l""'" "~-l'f~. ,,,.., ,.~ under Ihlll'Mootll"lle IIha~, be CUII>I~il... end Ilia "'Rer"iso 01 any O!'e' ()/ mOlO 01 these '1o1l1S ..h~~ nOt predude lhe
e>'SI'_CI..,. e1....y e1''''' .iql'll.. at ..,...ed"... .pecilica~y lIranlf)d in Ihis'.A0I1~aullllt pOn~jtl!ld by J~"" - -
1 t_, -1h'l r.OOnflltnt$, and_ 8Ilf1lllfll(U1lt: ""''''', r;llI'Ialn~d ~Illl" bind .1Id II", riql~., hol"l\llldOl tlh," inure 10 1110 tMllllClive $UCCOSSOfS alld an;gns of II1a'
f-"'11e\'; _II nlOf1t th,lIfl OM OW""" 1ill,1n~ U.s' MOIttJIIQ", I~ oblilJ,1Il1on1 d~" bClloi'~ ....d ..""o,aL
t2: As 8dtl~Otlt"" ~rily haooundo:lt. OWntl, tlCfeby .uslA!Il: 10 Ler\drlr ,the ronl. 91'tll," ,Propfl,rll'.:" pr".id",d Ihal Owner ~hll~. -pllOr 10' 11'., declaration _ot
all EWIl"r (l! :..elaiJl, have "... '9''11 to \:olIe.-~ ,,"<1 IfIIllln IlUCh ,enl."a.lhey ~o rlw andp::l~..ble.
13, lIlft Stale and, 1ocHl' ta~~ 1I1.['!oo-:alJ~ 10 !hi, MOflg.aye ~haY bo (he laW'!: "I tlie juflSdl(;ation,k,_'",:hich lho'P,OP"'IY' i$'IOcatad: The.lo;eUoi.;Y-~nt6n,ce
&"~d"", ~rnrt lite "Ilplit'lt,iilty or,~~'" la~ 10 lhill M\Ifl\lage--I~''''D e.ooIU~al any, fl.i:r;i$'on Of daUse_ot INs Mot1gl1ge or, the Aq'e<lm(lnl, CQt,!lif;ts
...db 1I~'pIic::lb1'l Ia",. SU(;h conU'c\ $hall.- -not (l11,oct Qlfler p<OII"'~ oH11IS Morlgalle or the Allleemeuj wnictl \:an be _ Q,"en E1Uel:1 w~hout Iha
~onllidino p.ovisillfl. Stld to 1M' end tI~ IllOVIS'~rs -01 tki$ Mortg.,a>>d, Ule' Ag~~ 1If0 dlM;la'!Id <<!' be se~efable, , ',' .
1'1 0_ 1Ig'~ Ih~ any ~.If'fe::t p4Vallhf ,afler ~ jl:dQmf!f\l .. ""'('l,ed. or atl ackl~."'" Sllmo ;J~llfI(;od, ~hall be II Ihe SolI"'.. 'ale lIG is Ilaled In IhlI :
PAOVlDEO, """erlheles'!', U...I ShOUld tel"""''' Qhligalionft 10 mak.e adva~ 10 BoulloV')f ptJrp.iant IO,lho 10:''''5'''' \hi) ^ll,oe_m\lnl be le<minal.,d, and
,...""oded Iur1he.-more. Ihal cne.vld Borrow'" pay," IuI all sums ~""""ed by- Ihil' jJIorlqaua, lh&n..on wriUen den.arld Of owner, Lande< $hall, ...ilhln_IO
days either ..Iflily Ih" MortUJQs Of ,8QOn;:l \II doIloer"a ......illen '1I1or.;.. 01 tl~t Moo1gage 100_ .
IN WITNESS WH~, /!ad>"",""" nas ~IIO set hand aod &e.llho dl)'and y I abowewrilltN'l A(f
W""ESS tUl-t<v.;enlxl1-l.j !/Y-tt-:. '
U OW JAMES .A CH.AL H
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REQUEST' FOR: m>T;CE OF 'OEFAULT' ANQ FORECLOSURE
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(0....11I0:389'22...0016
OPFI\I-EI\ID MORTGAGE
J.lMES ..' CHALFIM ,
2 UBERTY CT
CA:lLISLE, PA 170139Z!19
TO
COMMONWEALTH OF ,PENNSYLVANIA
COUNTY OF -,CUMBERLAND
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laQRllOWER5-1';CC!P'I'.Al-E-()fIGNI.!
EXHIBIT "D"
ACT 91 NOTICE
TAKE ACTION TO
SAVE YOUR HOME
FROM FORECLOSURE
The Commonwealth of Pennsylvania's Homeowners' Emergency Mortgage
Assistance Program may be able to help you. Read the attached notice to find out how
the program works.
If you need more information call the Pennsylvania Housing Finance Agency
at 1(800) 342-2397.
Lanotificacion 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 inmediatamente lIamando esta agencia (Pennsylvania Housing
Finance Agency) sin cargos al numero men cion ado arriba. Puedes ser elegible para un
prestamo per el programa lIamado "Homeowner's Emergency Mortgage Assistance
Program" el cual puede salvar su casa de la perdida del derecho a redimir su hipoteca.
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY
MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE
YOU MAY BE ELIGIBLE FOR FINANCIAL
ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Date:
March 22, 2004
Re:
Account No.: 2023240009; Mortgage in the original principal amount of
$80,000.00 dated August 4,1997, in favor of M&T Bank
To:
Mr. James A. Chalfin
From:
Sherrard, German & Kelly, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
You may be eligible for financial assistance that will prevent foreclosure on
your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage
Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary
assistance if your default has been caused by circumstances beyond your control, you
have a reasonable prospect of resuming your mortgage payments, and if you meet other
eligibility requirements established by the Pennsylvania Housing Finance Agency. Please
read all of this Notice. It contains an explanation of your rights.
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 a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this meeting is to attempt
to work out a repayment plan, or to otherwise settle your delinquency. This meeting must
occur in the next thirty (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer
credit counseling agency identified in this notice, no further proceeding in mortgage
foreclosure may take place for thirty (30) days after the date of this meeting. The name,
address and telephone number of our representative is:
ACT 91 NOTICE
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY
MORTGAGE ASSISTANCE PROGRAM
PLEASE READ THIS NOTICE
YOU MAY BE ELIGIBLE FOR FINANCIAL
ASSISTANCE WHICH CAN SAVE YOUR HOME FROM
FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS
Date:
March 22, 2004
Re:
Account No.: 36922840016; Mortgage in the original principal amount of
$100,000.00 dated August 10, 1999, in favor of M&T Bank
To:
Mr. James A. Chalfin
From:
Sherrard, German & Kelly, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
You may be eligible for financial assistance that will prevent foreclosure on
your mortgage if you comply with the provisions of the Homeowners' Emergency Mortgage
Assistance Act of 1983 (the "Act"). You may be eligible for emergency temporary
assistance if your default has been caused by circumstances beyond your control, you
have a reasonable prospect of resuming your mortgage payments, and if you meet other
eligibility requirements established by the Pennsylvania Housing Finance Agency. Please
read all of this Notice. It contains an explanation of your rights.
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice. During that time you must
arrange and attend a "face-to-face" meeting with a representative of this lender, or with a
designated consumer credit counseling agency. The purpose of this meeting is to attempt
to work out a repayment plan, or to otherwise settle your delinquency. This meeting must
occur in the next thirty (30) days.
If you attend a face-to-face meeting with this lender, or with a consumer
credit counseling agency identified in this notice, no further proceeding in mortgage
foreclosure may take place for thirty (30) days after the date of this meeting. The name,
address and telephone number of our representative is:
-:~~-'----:'~'~::'"_'':._''.L~~':'':.':'_..':~:'=-~_~_:''';'';::::.~~~~~,.....-~~"'-$"~
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Ms. Alicia Oliver
Foreclosure Specialist
M&T Bank
1100 Wehrle Drive, 2nd Floor
Williamsville, NY 14221
Telephone Number: (716)630-4924
The names and addresses of designated consumer credit counseling
agencies are shown on the attached sheet. It is only necessary to schedule one face-to-
face meeting. You should advise this lender immediately of your intentions.
Your mortgage is in default because you have failed to pay promptly
installments of principal and interest, as required, for a period of at least sixty (60) days.
The total amount of the delinquency is $12,379.46. That sum includes the following:
Monthly payments of $1,996.74 each for the months of October, 2003 through March,
2004; and late charges in the amount of $399.02. The interest per diem is $12.00 as of
March 5, 2004.
If you have tried and are unable to resolve this problem at or after your face-
to-face meeting, you have the right to apply for financial assistance from the Homeowners'
Emergency Mortgage Assistance Fund. In order to do this, you must fill out, sign and file
a completed Homeowners' Emergency Assistance Application with one of the designated
consumer credit counseling agencies listed on the attachment. An application for
assistance may only be obtained from a consumer credit counseling agency. The
consumer credit counseling agency will assist you in filling out your application and will
submit your completed application to the Pennsylvania Housing Finance Agency. Your
application must be filed or postmarked, within thirty (30) days of your face-to-face
meeting.
It is extremely important that you file your application promptly. If you do not
do so, or if you do not follow the other time periods set forth in this letter, foreclosure may
proceed against your home immediately.
Available funds for emergency mortgage assistance are very limited. They
will be disbursed by the Agency under the eligibility criteria established by the Act.
It is extremely important that your application is accurate and complete in
every respect. The Pennsylvania Housing Finance Agency has sixty (60) days to make
a decision after it receives your application. During that additional 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 that Agency of its decision on your application.
The Pennsylvania Housing Finance Agency is located at 2101 North Front
Street, Post Office Box 15530, Harrisburg, Pennsylvania 17105. Telephone No. (717) 780-
3800 or 1-800-342-2397 (toll free number). Persons with impaired hearing can call (717)
780-1869.
In addition you may receive another notice from this lender under Act 6 of
1974. That notice is called a "Notice of Intention to Foreclose Mortgage." You must read
both notices, since they both explain rights that you now have under Pennsylvania law.
However, if you choose to exercise your rights described in this notice, you cannot be
foreclosed upon while you are receiving that assistance.
Very truly yours,
SHERRARD, GERMAN & KELLY, P.C.
By: '--------
David Burke, Esquire
Attorneys for M& T Bank
Consumer Credit Counseling Agency Notification To:
Name of Mortgagee
Address
In accordance with the Pennsylvania Homeowners' Emergency Mortgage
Assistance Program (Act 91 of 1983), we have been approached for mortgage counseling
assistance by:
Name of Applicant
Address
Telephone Number
Mortgage Loan Number
Address of property on which mortgage is
in default, if different from above.
The counseling agency met with the above-named applicant on
, who have indicated that they are more than sixty (60) days delinquent
on their mortgage payments and have received notification of intention to foreclose from
Name and Address of Mortgagee
In accordance with the Homeowners' Emergency Mortgage Assistance
Program, this is to inform you that:
1. If the delinquency cannot be resolved within the 30 day forbearance
period as provided by law, the applicant listed above may apply to the
Pennsylvania Housing Finance Agency for Mortgage Payment
Assistance.
2. Bya copy of this Notice, we are notifying all other mortgagees, if any,
which the applicant has indicated as also having a mortgage on the
property identified above.
3. It is our understanding that the 30 day forbearance period in which we
are now in ends on
4. No legal action to enforce the mortgage may occur during this
forbearance period, unless procedural time limits were not met by the
homeowner.
Name of Counseling Agency
Signer and Title
Telephone Number
Address
CUMBERLAND COUNTY
Consumer Credit Counseling Service
of Western Pennsylvania, Inc.
2000 Linglestown Road
Harrisburg, PA 17102
(717) 541-1757
Financial Services Unlimited
117 West 3rd Street
Waynesboro, PA 17268
(717) 762-3285
Urban League of Metropolitan
Harrisbur
25 N. Front Street
Harrisburg, PA 17101
(717) 234-5925
FAX # (717) 232-4985
YWCA of Carlisle
301 G Street
Carlisle, PA 17013
(717) 243-3818
FAX # (717) 243-3948
Exhibit liE"
,
NOTICE
Mr. James A. Chalfin
2 Liberty Court
Carlisle, PA 17013
March 22, 2004
Re:
Account No.: 20233240009; Mortgage in the original principal amount of $80,000.00
dated August 4, 1997, in favor of M&T Bank
Dear Mr. Chalfin:
This Notice is given in connection with your debt or debts owed to the creditor (being our
client) in the amount or amounts set forth in our letter(s) to you dated the same date as this Notice
entitled "Notice of Intention to Foreclose Mortgage" and "Act 91 Notice". As used below, the term
"debt" means each debt described in our letter(s).
Unless you, within 30 days after your receipt of this Notice, dispute the validity of the debt,
or any portion thereof, the debt will be assumed to be valid by us. If you notify us in writing within
the 30 day period that the debt, or any portion thereof, is disputed, we will obtain and mail to you
verification of the debt or a copy of any judgment entered for the debt against you.
Also upon your written request to us within the 30 day period, we will provide you with the
name and address of the original creditor if different from our client.
If you notify us in writing within the foregoing 30 day period that the debt, or any portion
thereof, is disputed, or you request the name and address of the original creditor, we shall cease
collection of the debt, or any disputed portion thereof, until we obtain and mail to you (as
appropriate) verification of the debt or a copy of any judgment upon the debt entered against you,
and/or the name and address of the original creditor.
In order that we may respond promptly, kindly mail your communications to us reqardinq
the above matters to the attention of the undersigned at the address shown below.
THIS NOTICE IS GIVEN PURSUANT TO THE PROVISIONS OF THE FEDERAL FAIR
DEBT COLLECTION PRACTICES ACT AS AMENDED (15 U.S.C. S 1692 ET SEQ.) AND THE
REGULATIONS OF THE PENNSYLVANIA BUREAU OF CONSUMER PROTECTION ENTITLED
"DEBT COLLECTION TRADE PRACTICES" (37 PA. CODE CH. 303). NOTHING HEREIN IS
INTENDED TO ALTER OR AMEND THE RIGHTS AND DUTIES OF YOU, OUR CLIENT, AND US,
WITH RESPECT TO THE DEBT EXCEPT AS MAY BE REQUIRED BY SAID ACT AND
REGULATIONS.
i.
I-"P"'''''<
SHERRARD, GERMAN & KELLY, P.C.
~~
By:
ul David Burke, Esquire
Pa. 1.0. #34960
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
This correspondence is for the purpose of collecting a debt and any information
provided will be used for that purpose.
",loltwOyear
Flrst..c\aSS tAe! I (
JI ,ntem.tloo.IDated: '3 :2-2- 0'1
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PAUL DAVID BURKE
email: pdb@Sgkpc.com
SHERRARD. GERMAN & KELLY. P.e.
ATTORNEYS AT LAW
28TH FLOOR. Two PNC PLAZA
620 LIBERTY AVENUE
PITTSBURGH. PENNSYLVANIA 15222
(412) 315~-0200
FAX: (412) 261~6221
March 22, 2004
VIA U.S. CERTIFIED MAIU
RETURN RECEIPT REQUESTED
AND U.S. FIRST CLASS MAIL
Mr. James A. Chalfin
1 Mountain Street C
Mt. Holly Springs, PA 17065
Re: Notice of Intention to Foreclose Mortgage
Dear Mr. Chalfin:
The Mortgage held by M& T Bank (hereinafter "the Lender") on your property
located at 2 Liberty Court, Carlisle, PA 17013 IS IN SERIOUS DEFAULT because vou
have not made the monthly payments of $1,996.74 (each) for the months of October, 2003,
through March, 2004. Late charges have also accrued to this date in the amount of
$399.02. The total amount required to cure this default as of the date of this letter is
$12,379.46.
You may cure this default within THIRTY (30) DAYS of the date of this letter.
by paying to the Lender the above amount of $12.379.46. plus any additional amounts
which may fall due during this period. Such payment must be made either by cash,
cashier's check, certified check or money order, and made at M&T Bank, 1100 Wehrle
Drive. 2nd Floor, Williamsville, NY 14221 Attention: Ms. Alicia Oliver.
If full payment of the amount in default is not made within THIRTY (30)
DAYS, then, subject, to any additional rights you may have under the Homeowners'
Emergency Mortgage Assistance Program, the Lender may instruct its attorneys to start
a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed. your
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 default before they begin legal
proceedings, you will still have to pay the reasonable attorney's fees, actually incurred, up
to $50.00, in order to cure the default. However, if legal proceedings are started, in order
to cure the default you will have to pay the reasonable attorney's fees,
PAUL DAVID BURKE
emaiI: pdb@Sgkpc.com
SHERRARD, GERMAN & KELLY. P.e.
ATTORNEYS AT LAW
28TH FLOOR, Two PNC PLAZA
620 LIBERTY AVENUE
PITTSBURGH. PENNSYLVANIA 15222
(412) 30~.0200
FAX: (412) 261-6221
March 22, 2004
VIA U.S. CERTIFIED MAIU
RETURNRECBPTREQUESTED
AND U.S. FIRST CLASS MAIL
Mr. James A. Chalfin
2 Liberty Court
Carlisle, PA 17013
Re: Notice of Intention to Foreclose Mortgage
Dear Mr. Chalfin:
The Mortgage held by M&T Bank (hereinafter "the Lender") on your property
located at 2 Liberty Court, Carlisle, PA 17013 IS IN SERIOUS DEFAULT because you
have not made the monthly payments of $1.996.74 (each) for the months of October, 2003.
through March. 2004. Late charges have also accrued to this date in the amount of
$399.02. The total amount required to cure this default as of the date of this letter is
$12,379.46.
You may cure this default within THIRTY (30) DAYS of the date of this letter.
by paying to the Lender the above amount of $12,379.46. plus any additional amounts
which may fall due during this period. Such payment must be made either by cash,
cashier's check, certified check or money order, and made at M&T Bank. 1100 Wehrle
Drive. 2nd Floor. Williamsville, NY 14221 Attention: Ms. Alicia Oliver.
If full payment of the amount in default is not made within THIRTY (30)
DAYS, then, subject, to any additional rights you may have under the Homeowners'
Emergency Mortgage Assistance Program, the Lender may instruct its attorneys to start
a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your
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 default before they begin legal
proceedings, you will still have to pay the reasonable attorney's fees, actually incurred, up
to $50.00, in order to cure the default. However, if legal proceedings are started, in order
to cure the default you will have to pay the reasonable attorney's fees,
f}iroOll9Unr
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NOTICE
Mr. James A. Chalfin
2 Liberty Court
Carlisle, PA 17013
March 22, 2004
Re:
Account No.: 36922840016; Mortgage in the original principal amount of
$100,000.00 dated August 10, 1999, in favor of M&T Bank
Dear Mr. Chalfin:
This Notice is given in connection with your debt or debts owed to the creditor (being our
client) in the amount or amounts set forth in our letter(s) to you dated the same date as this Notice
entitled "Notice of Intention to Foreclose Mortgage" and "Act 91 Notice". As used below, the term
"debt" means each debt described in our letter(s).
Unless you, within 30 days after your receipt of this Notice, dispute the validity of the debt,
or any portion thereof, the debt will be assumed to be valid by us. If you notify us in writing within
the 30 day period that the debt, or any portion thereof, is disputed, we will obtain and mail to you
verification of the debt or a copy of any judgment entered for the debt against you.
Also upon your written request to us within the 30 day period, we will provide you with the
name and address of the original creditor if different from our client.
If you notify us in writing within the foregoing 30 day period that the debt, or any portion
thereof, is disputed, or you request the name and address of the original creditor, we shall cease
collection of the debt, or any disputed portion thereof, until we obtain and mail to you (as
appropriate) verification of the debt or a copy of any judgment upon the debt entered against you,
and/or the name and address of the original creditor.
In order that we may respond promptly. kindly mail vour communications to us regarding
the above matters to the attention of the undersigned at the address shown below.
THIS NOTICE IS GIVEN PURSUANT TO THE PROVISIONS OF THE FEDERAL FAIR
DEBT COLLECTION PRACTICES ACT AS AMENDED (15 U.S.C. S 1692 ET SEQ.) AND THE
REGULATIONS OF THE PENNSYLVANIA BUREAU OF CONSUMER PROTECTION ENTITLED
"DEBT COLLECTION TRADE PRACTICES" (37 PA. CODE CH. 303). NOTHING HEREIN IS
INTENDED TO ALTER OR AMEND THE RIGHTS AND DUTIES OF YOU, OUR CLIENT, AND US,
WITH RESPECT TO THE DEBT EXCEPT AS MAY BE REQUIRED BY SAID ACT AND
REGULATIONS.
SHERRARD, GERMAN & KELLY, P.C.
Dated: 3/=--(00/
=--
By:
David Burke, Esquire
Pa.I.D.#34960
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
WARNING: This correspondence is for the purpose of collecting a debt and any information
provided will be used for that purpose.
,
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PAUL DAVID BURKE
email: pdb@Sgkpc.com
SHERRARD. GERMAN & KELLY. p,c.
ATTORNEYS AT LAW
28TH FLOOR. Two PNC PLAZA
620 LIBERTY AVENUE
PITTSBURGH. PENNSYLVANIA 15222
(412) 355-0200
FAX: (412) 261-6221
March 22, 2004
VIA U.S. CERTIFIED MAIU
RETURN RECEIPT REQUESTED
AND U.S. FIRST CLASS MAIL
Mr. James A. Chalfin
2 Liberty Court
Carlisle, PA 17013
Re: Notice of Intention to Foreclose Mortgage
Dear Mr. Chalfin:
The Mortgage held by M&T Bank (hereinafter "the Lender") on your property
located at 2 Liberty Court, Carlisle, PA 17013 IS IN SERIOUS DEFAULT because you
have not made the monthly payments of $1.854.23 (each) for the months of November.
2003, through March, 2004. There is an additional amount due on this account of
$1,355.79 due to one or more partial payments in the past. Late charges have also
accrued to this date in the amount of $100.00. The total amount required to cure this
default as of the date of this letter is $10,726.94.
You may cure this default within THIRTY (30) DAYS of the date of this lettec
by paying to the Lender the above amount of $10.726.94. plus any additional amounts
which may fall due during this period, Such payment must be made either by cash,
cashier's check, certified check or money order, and made at M& T Bank, 1100 Wehrle
Drive, 2nd Floor. Williamsville, NY 14221 Attention: Ms, Alicia Oliver.
If full payment of the amount in default is not made within THIRTY (30)
DAYS, then, subject, to any additional rights you may have under the Homeowners'
Emergency Mortgage Assistance Program, the Lender may instruct its attorneys to start
a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed, your
mortgaaed property will be sold by the Sheriff to cay off the mortgaae debt. If the Lender
refers your case to its attorneys, but you cure the default before they begin legal
proceedings, you will still have to pay the reasonable attorney's fees, actually incurred, up
to $50.00, in order to cure the default. However, if legal proceedings are started, in order
to cure the default you will have to pay the reasonable attorney's fees,
SHERRARD. GERMAN & KELLY, P. C.
March 22, 2004
Page 2
actually incurred, even if they are over $50.00, and you may also be required to pay the
Lender's reasonable costs. If you cure the default within the thirty-day period. you will not
be required to pay attorney's fees.
If you have not cured the default within the thirty-day period and foreclosure
proceedings have begun, you still have the right to cure the default and prevent the sale
at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying
the total amount then due, as well as the reasonable attorney's fees and costs connected
with the foreclosure sale. It is estimated that the earliest date that such a Sheriff's sale
could be held would be approximately July 1, 2004. A notice of the date of the Sheriff's
sale will be sent to you before the sale. Of course, the amount needed to cure the default
may increase the longer you wait. You may find out at any time exactly what the required
payment will be by calling the Lender at the following number: (716) 630-4924. This
payment must be in cash, cashier's check, certified check or money order and be made
payable to the Lender at the Lender's address stated above.
You should realize that a Sheriff's sale will end your ownership of the
mortgaged property and your right to remain in it. If you continue to live in the property
after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rights to help protect your interest in the property. YOU
HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY, OR TO BORROW
MONEY FROM ANOTHER LENDING INSTITUTION, TO PAY OFF THIS DEBT. YOU
HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING
ON YOUR BEHALF. YOU MAY ALSO HAVE ADDITIONAL RIGHTS UNDER THE
HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM, IF A
SEPARATE NOTICE ABOUT THAT PROGRAM IS ENCLOSED WITH THIS NOTICE.
Very truly yours,
SHERRARD, GERMAN & KELLY, P.C.
By:n:;:;~ ,--"
Palll David Burke, Esquire
Attorneys for M& T Bank
VF.RIFICATI0N
Peri Sarac
Flihan, Assistant Vice President, and duly
authorized representative of MANUFACTURERS AND TRADERS TRUST CO
d/b/a M & T BANK, deposes and says subject to the penalties of 18
Pa. C.S.A. ~4904 relating to unsworn falsification to authorities
that the facts set forth in the foregoing Complaint are true and
correct to the best of her knowledge, information and belief.
ocP~7kc
Perl Sarac - Flihan
Assistant Vice President
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SHERIFF'S RETURN - NOT SERVED
CASE NO: 2004-02108 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
MANUFACTURERS AND TRADERS TRUS
VS
CHALFIN JAMES A
R. Thomas Kline
, Deputy Sheriff, who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT
, to wit:
CHALFIN JAMES A
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
NOT SERVED , as to
the within named DEFENDANT
, CHALFIN JAMES A
1 MOUNTAIN STREET C
MT HOLLY SPRINGS, PA 17065
NOT AT 1 MOUNTAIN ST C MT HOLLY SPRINGS. BELIEVED TO BE AT
2 LIBERTY CT CARLISLE, BUT UNABLE TO SERVE PRIOR TO EXPIRATION.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
4.83
,00
10.00
.00
32.83
So answ~, ~_/' ,.. ~,',,',~, -:.,,'
~~~~
"f:~~
R. Thomas Kline C
Sheriff of Cumberland County
SHERRARD GERMAN KELLY
06/14/2004
Sworn and subscribed to before me
this nE day ofqlV-
;).61)'-f0 A.D.
O \-.. "', A 0,,-;::-.
u,.. - c. J V\~"'I
Prothonotary
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO, d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
v.
Plaintiff, NO. 04-:2108 Civil Term
JAMES A. CHALFIN,
an individual,
Defendant.
TYPE OF PLEADING:
PRAECIPE TO REINSTATE
COMPLAINT IN MORTGAGE
FORECLOSURE
FILED ON BEHALF OF:
MANUFACTURERS AND TRADERS
TRUST CO.,
Plaintiff
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm #006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
v.
Plaintiff, NO, 04-2108 Civil Term
JAMES A, CHALFIN,
an individual,
Defendant.
TO PROTHONOTARY:
PRAECIPE TO REINSTATE COMPLAINT
SIR:
matter.
Kindly reinstate the Complaint filed in the above-captioned
M~~__
~.d Burke, Esquire
Attorney for Plaintiff
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2004-02108 P
COMMONTWEALTH OF PENNSYLVANIA'
COUNTY OF CUMBERLAND
MANUFACTURERS AND TRADERS TRUS
VS
CHALFIN JAMES A
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
CHALFIN JAMES A
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, CHALFIN JAMES A
2 LIBERTY COURT
CARLISLE, PA 17013
PER POST OFFICE, DEFENDANT'S NEW ADDRESS IS
6 UNIVERSITY DRIVE STE 206 AMHERST, MA 01002,
sheriff's Costs:
Docketing
Service
Not Found
Surcharge
18.00
3.70
5.00
10.00
.00
36.70
So answer .~ /'~ ~/, - - /7
/~~~~== --
R. Thomas Kline
Sheriff of Cumberland County
SHARRARD GERMAN KELLY
09/28/2004
Sworn and subscribed to before me
this
'I'!:
day ofO~
<-iHJ 'f A.D.
( L,u, f2 rudh-v ~
p~notary ,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
TYPE OF PLEADING:
PRAECIPE FOR DEFAULT JUDGEMENT
FILED ON BEHALF OF PLAINTIFF:
MANUFACTURERS AND TRADERS TRUST
CO.
COUNSEL OF RECORD FOR THIS
PARTY:
PAUL DAVID BURKE, ESQUIRE
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm #006
28TH FLOOR, TWO PNC PLAZA
PITTSBURGH, PA 15222
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
CIVIL DIVISION
Plaintiff,
NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
PRAECIPE FOR DEFAULT JUDGMENT
TO: PROTHONOTARY
Please enter a default judgment in the above-captioned case
in favor of Plaintiff and against the Defendant, JAMES A. CHALFIN,
in the amount of $186,143.24 which is itemized as follows:
Principal
Interest thru 4/30/04
Late Charges thru 4/30/04
TOTAL
$79,886.48
$ 3,107.79
$ 478.90
$83,473.17
Principal
Interest thru 4/30/04
Late Charges thru 4/30/04
TOTAL
TOTAL
$ 99,925.28
$ 2,644.79
$ 100.00
$102,670.07
$186,143.24
with interest on the aggregate outstanding principal balance
($179,811.76) at the rate of $22.92 per diem from April 3D, 2004,
plus costs (including increases in escrow deficiency), additional
late charges and for foreclosure and sale of the subject premises.
SHERRARD, GERMAN & KELLY, P.C.
Dated:
/J! q /tJ'f
-
By:
Pa
Pa. I.D. #34960
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
Attorney For Plaintiff
----
AFFIDAVIT OF NON-MILITARY SERVICE
AND CERTIFICATION OF MAILING OF NOTICE OF
INTENT TO TAKE DEFAULT JUDGMENT
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF ALLEGHENY
Before me, the undersigned authority, a Notary Public, in and
for said County and State, personally appeared Paul David Burke,
attorney for and authorized representative of Plaintiff who, being
duly sworn according to law, deposes and says that the Defendant,
JAMES A. CHALFIN, is not in the military service of the United
States of America to the best of his knowledge, information and
belief and certifies that the Notice of Intent to Take Default
Judgment was mailed in accordance with PA R.C.P. 237.1, as
evidenced by the attached copy.
c=-
Pa David Burke, Esquire
SHERRARD, GERMAN & KELLY, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
Attorneys for Plaintiff
(412) 355-0200
Sworn to and subscribed before me
this IOYh day of ~
~~Ck-d&fJP ___
Notary Public
, 2004.
Notarial Seal
Ci Bertie Marie A Hall, NolaIy Public
ty OfP~. Allegheny County
My CommISSIOn Expires May 3,2007
Member. Pennsylvania ASSOCiation Of Notaries
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
CIVIL DIVISION
Plaintiff,
NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
TO:
Mr. James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
DATE:
October 28, 2004
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM
THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU
WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT
RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
Telephone No. (800) 990-9108
SHERRARD, GERMAN & KELLY, P.C.
Dated: /o(~IO'1
By: ~
~l David Burke, Esquire
Pa. I.D. #34960
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222-2602
(412) 355-0200
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
TYPE OF PLEADING
AFFIDAVIT OF SERVICE
FILED ON BEHALF OF PLAINTIFF:
MANUFACTURERS AND TRADERS TRUST
CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm #006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
PA. R.C.P. RULE 3129.2(c)
AFFIDAVIT OF SERVICE
DEFENDANT/OWNER
Filed on behalf of
MANUFACTURERS AND TRADERS TRUST
CO., Plaintiff
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm #006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222-2602
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
PA. R.C.P. RULE 3129.2(c)
AFFIDAVIT OF SERVICE OF DEFENDANT/OWNER
Paul
David
Burke,
Esquire,
Attorney
for
Plaintiff,
MANUFACTURERS AND TRADERS TRUST CO., being duly sworn according to
law, deposes and makes the following Affidavit regarding service of
the Plaintiff's notice of the sale of real property in this matter
on the Defendant, JAMES A. CHALFIN, as follows;
1. JAMES A. CHALFIN is the owner of the real property and
has not entered an appearance of record.
2. The undersigned counsel instructed the Sheriff of
Cumberland County to serve the Defendant, JAMES A. CHALFIN, with
the Notice of Sale of Real Property at his property address of 2
Liberty Court, Carlisle, PA 17103, by posting the Notice of Sheriff
Sale.
True and correct copies of said Notice and the Sheriff's
direction are marked Exhibit "A", attached hereto and made a part
hereof.
3. The undersigned counsel served the Defendant, JAMES A.
CHALFIN, with the Notice of Sale of Real Property by U.S. Certified
Mail, return receipt requested, addressed to 6 University Drive,
Ste. 206, Amherst, MA 01002.
4. On or about Januarv 20. 2005, the signed certifiea mail
receipt was returned to Plaintiff, indicating the Defendant was
served with the Notice of Sheriff' Sale. A true and correct copy
of the returned Certified Mail receipt is marked Exhibit "B",
attached hereto and made a part hereof.
I verify that the facts contained in this Affidavit are true
and correct based upon my personal knowledge, information and
belief.
SHERRARD, GERMAN & KELLY, P.C.
-~
By;
David Burke,
Pa. I.D. #34960
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222-2602
(412) 355-0200
Attorneys for Plaintiff
thi..s
to and
I ( -/I?-;
subscribed before me
. 1
" 1)(Ur..f(~U(Y2005.
[{' /c.{ t~ /'l:-
day
C:/
Sworn
tC(J J tL
Notary Public
Notarial Seal
11lOfOSll A, Uchina. ~ Public
. or P\lISbuIIh, Allegbolly Coonly
City~__-,,,,,,,, E>pi... 1_ 13, 2005
My....,....,--..
Member. PennsyIva"" AssoclollOO of NotarieS
~ .
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE OF SHERIFF'S SALE
OF REAL ESTATE
Filed on behalf of Plaintiff,
MANUFACTURERS AND TRADERS TRUST
CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm I.D. No. 006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
CIVIL DIVISION
Plaintiff,
NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE OF SHERIFF'S SALE OF REAL ESTATE
TAKE NOTICE that by virtue of the above Writ of Execution
issued out of the Court of Common Pleas of Cumberland County,
Pennsylvania, and directed to the Sheriff of Cumberland County,
there will be exposed to Public Sale at Cumberland County,
Courthouse, on March 2. 2005 ,at 10:00 o'clock a.m., the
following described real estate, of which JAMES A. CHALFIN, is the
owner or reputed owner.
ALL that certain tract or parcel of land with the improvements
thereon erected, situate in South Middleton Township, Cumberland
County, Pennsylvania.
Being Designated as Parcel Number 40-24-0760-095.
Acquired in Deed Book Volume 146, Page 809.
The said Writ of Execution was issued on a judgment in the
Civil Action of MANUFACTURERS AND TRADERS TRUST CO. v. JAMES A.
CHALFIN, in the aggregate amount of $190,888.94 interest on the
outstanding aggregate principal balance ($179,811.76) at the
contractual rate set forth in the Note from November 10, 2004, plus
costs (including increases in escrow deficiency, if any),
additional late charges, legal fees and for foreclosure and sale of
the mortgaged premises all as set forth in the Praecipe for Writ of
Execution.
Claims against property must be filed at the Office of the
Sheriff before above sale date.
Claims to proceeds must be made with the Office of the Sheriff
before distribution.
Schedule of Distribution will be filed with the Office of the
Sheriff no later than thirty (30) days from sale date.
Exceptions to Distribution or a Petition to Set Aside the Sale
must be filed with the Office of the Sheriff no later than ten (10)
days from the date when Schedule of Distribution is filed in the
Office of the Sheriff.
At tached hereto is a copy of the Writ of Execution. It has
been issued because there is a judgment against you. It may cause
your property to be held or taken to pay the judgment. You may
have legal rights to prevent your property from being taken. A
lawyer can advise you more specifically of these rights. If you
wish to exercise your rights, you must act promptly.
YOU SHOULD TAKE THIS NOTICE AND WRIT OF EXECUTION TO YOUR
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL ADVICE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
Telephone No.
(800) 990-9108
You may have legal rights to prevent the Sheriff's Sale and
the loss of your property. In order to exercise those rights,
prompt action on your part is necessary. A lawyer may be able to
help you.
You may have the right to prevent or delay the Sheriff's Sale
by filing, before the sale occurs, a petition to open or strike the
judgment or a petition to stay the execution.
If the judgment was entered because you did not file with the
Court any defense or objection you might have within twenty (20)
days after service of the Complaint in civil Action on Mortgage
Foreclosure and Notice to Defend, you may have the right to have
the judgment opened if you promptly file a petition with the Court
alleging a valid defense and a reasonable excuse for failing to
file the defense on time. If the judgment is opened, the Sheriff's
Sale would ordinarily be delayed pending a trial of the issue of
whether the plaintiff has a valid claim to foreclose the mortgage.
You may also have the right to have the judgment stricken if
the Sheriff has not made a valid return of service of the Complaint
and Notice to Defend or if the judgment was entered before twenty
(20) days after service or certain other events. To exercise this
right, you would have to file a petition to strike the judgment.
You may also have the right to petition the Court to stay or
delay the execution and the Sheriff's Sale if you can show a defect
in the Writ of Execution or service or demonstrate any other :egal
or equitable right.
You may also have the right to have the Sheriff's Sale set
aside if the property is sold for a grossly inadequate price or if
there are defects in the Sheriff's Sale. To exercise this right,
you should file a petition with the Court after the sale and before
the Sheriff has delivered his deed to the property. The Sheriff
will deliver the deed if no petition is filed within ten (10) days
from the date when the Schedule of Distribution is filed in the
Office of the Sheriff.
SHERRARD, GERMAN & KELLY, P.C_
Dated:
1I!/Z.{O'-1
By; ~~
Pa# David Burke, Esquir~
Pa. I.D. #34960
Attorneys for Plaintiff
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
,J
CUMBERLAND COUNTY SHERIFF'S DEPARTMENT
PLAINTIFF MANUFACTURERS AND TRADERS
TRUST CO. d/b/a M & T BANK
CASE # 04-2108
EXPIRES
SUMMONS/PRAECIPE
VS.
COMPLAINT ONLY
DEFT, JAMES A. CHALFIN
NOTICE & COMPLAINI
ADD. DEFT.
REVIVAL/SCI FA
ADD. DEFT.
INTERROGATORIES
GARNISHEE
EXECUTION/LEVY
ADDRESS
2 Libertv Court
GARNI SHEE
Carlisle, PA l7l03
Xx OTHER post notice
MUNICIPALITY WARD/ CITY WARD
DATE: November, 20 21- ATT'Y: PAUL DAVID BURKE, ESOUIRE
PHONE: 14121 355-0200 28th. FL, Two PNC Plaza
PITTSBURGH, AP l5222
INDICATE TYPE OF SERVICE: liliPERSONAL liliPERSON IN CHARGE __DEPUTIZE __CERT, MAIL
_POSTED
_OTHER
_LEVY
SEIZED
SHERIFF'S OFFICE USE ONLY
I hereby CERTIFY and RETURN that on the ____ day of
r 20_, at
_ o'clock, A.M./P.M. Address Above/Address Below, County of Cumberland, PA
1 have served in the manner Described below:
Defendant personally served
Adult family member with whom said Defendant(s) reside(s).
Name & Relationship
Adult in charge of Defendant's residence who refused to give name/reI.
Manager/Clerk of place of lodging in which Defendant(s) reside(s).
Agent or person in charge of Oefendant(sl office or place of business.
Other
Property Posted
Defendant not found because:
Moved
Unknown
No }\nswer
Vacant
BY
Deputy
..
.
_....
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rtJ I . . .
1..J1 .. _ .
<0 "
Cl
rn
rtJ
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=r
Cl
Cl
Cl
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'.
, 0 F F I C 'A l .
U S E )
Pastage $ o.n 1- r7~
Csttifled Fee ~'S
RI1!lJm Aecsipt Fee Postrnark
(Endorsement Required} H...
RElstrlct$d Delivery Fee
(endorsement Required) /h.1->Q g./ ~
Tota' Postage & Fees $ ! .
=r
Cl
Cl
C'-
SENDER: COMPLETE THIS SECTION
. .
. . .
. Complete items 1, 2, and 3. Also complete
item 4 if Restricted Oe~vety is desired.
. Print your name and address on the reverse
so that we can return the card to yo:;,
. Attach this card to the back of the mailpiece,
or on the front 11 space permits.
1. A.rtide Addressed to:
}iLlgent
o Addressee :
B lJilcel.ved by (Printed Nalne) C. Date OfJellV6Pf- :
:/'t> oJ. I< /-1<......"". w /, ..l. '" c:>E;. :
O. Is detivery address different from item 1'? 0 Yes
If YES, enter delivery address below: 0 No
:J ~.. It, C~4fh
b, L0'V0r~~?- un '11<2) ~
S:f€, :k,r;
~h~, m.-II (JI(T'OL
3. Service Type
o CertIfied Mail
o Registered
o Insured Mall
D Express Mall
o Retum Receipt for Merchandise !
DC.C,D. .
4. Restricted Delivery? (Extra Fee) 0 Yes
2. Article Number
(1'- from """"ce label)
PS Form 3811, February 2004
7004 2510 0004 5230 8526
Domestic Return Receipt
102595-02-M-1540 :
/
..
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
SUPPLEMENT TO
AFFIDAVIT PURSUANT TO
RULE 3129.1
Filed on behalf of Plaintiff:
MANUFACTURERS AND TRADERS
TRUST CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm I.D. No. 006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
I
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF ALLEGHENY
Before me, the undersigned authority, personally appeared
Paul David Burke, Counsel for MANUFACTURERS AND TRADERS TRUST
CO., in the above action, and sets forth as of the date of the
Praecipe for Writ of Execution was filed, the following
information concerning the real property located at 2 Liberty
Court, Carlisle, PA 17013:
1. Name and address of owner or reputed owner:
James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
2. Name and address of defendant in the judgment:
James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
3. Name and address of every judgment creditor whose
judgment is a record lien on the real property to be
sold:
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, Successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
100 Wehrle Drive, 2nd Floor
Williamsville, New York 142221
(Plaintiff)
4. Name and address of the last recorded holder of every
mortgage of record:
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, Successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
100 Wehrle Drive, 2nd Floor
Williamsville, New York 142221
(Plaintiff)
i
Ameriserv Financial Bank f/k/a
United States National Bank in Johnstown
then U.S. Bank
Main and Franklin Streets
Johnstown, PA 15901
Ameriserv Financial Bank
Collection Department
P. O. Box 520
Johnstown, PA 15901
Att.: Missy
5. Name and address of every other person who has any
record lien on the property:
Tax Claim Bureau
Cumberland County Courthouse
One Courthouse Sq.
Carlisle, PA 17013
6. Name and address of every other person who has any
record interest in the property and whose interest may
be affected by the sale:
None
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the
property which may be affected by the sale:
None
The information provided in the foregoing Affidavit is
provided solely to comply with the pennsylvania Rules of Civil
Procedure 3129.1 and it is not intended to be a comprehensive
abstract of the condition of the title of the real estate which
is being sold under this execution.
No person or entity is
entitled to rely on any statements made herein In regard to the
condition of the title of the property or to rely on any
statement herein in formulating bids which might by made at the
sale of the property.
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information
and belief.
I understand that false statements herein are made
subject to the penalties of 18 Pa. C.S. 54909 relating t:o unsworn
falsification to authorities.
David Burke, Esquire
ERRARD, GERMAN & KELLY, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
Attorneys for Plaintiff
Sworn
and subscribe~1efore me
/i --Ii; day ;j;~/-'-t{'( c{.-L<-j,
/': ' ./ rJ
U (/:./ a/ (/ - ;~-/~ k:-L
Notary Public
2005.
this
Notarial Seal
Theresa A. Lichina. NOlBry PublIc
City of Pittsburgh, Alleghony Counl)'
My Commission Expires June 13. 200S
_, _..",. . '^"'"""," of NotarIes
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
TYPE OF PLEADING:
PA. R.C.P. RULE 3129.2(0) (2)
LIENHOLDER AFFIDAVIT OF
SERVICE
Filed on behalf of
MANUFACTURERS AND TRADERS
TRUST CO.,
Plaintiff
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm #006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222-2602
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
CIVIL DIVISION
Plaintiff,
NO. 2004-2108-civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
PA. R.C.P. RULE 3129.2 (c) (2)
LIENHOLDER AFFIDAVIT OF SERVICE
Paul
David
Burke,
Esquire,
Attorney
for
Plaintiff,
MAN,JFACTURERS AND TRADERS TRUST CO., being duly sworn according to
law, deposes and makes the following Supplement to Affidavit
regarding service of the notice of the sale of real property on all
persons named in Paragraphs 3 through 7 of Plaintiff's Supplement
to Affidavit Pursuant to Rule 3129.1 as follows:
1. By notice post-marked Januarv 18. 2005 and Januarv 31.
2005, the undersigned counsel served all persons (other than the
Plaintiff)
named in Paragraphs 3 through 7 of Plaintiff's
Supplement to Affidavit Pursuant to Rule 3129.1 with a notice of
the sale of real property by ordinary mail at the respective
addresses set forth in the Supplement to Affidavit Pursuant to Rule
3129.1.
A true and correct copy of said Affidavit is marked
Exhibit "A", attached hereto, and made a part hereof.
2. Undersigned counsel obtained U. s. Postal Service Form
3817 Certificates of Mailing for said notice.
A true and correct
copy of the Certificates of Mailing and said notice, if returned as
of this date, are marked collectively as Exhibit "B", attached
hereto and made a part hereof.
I verify that the facts contained In this Affidavit are true
and correct based upon my personal knowledge, information and
belief.
~~ ~,.
P~~ B:::YSq~ire
SHERRARD, GERMAN & KELLY, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222-2602
Attorneys for Plaintiff
Sworn and subscribed~efore me
this /~J.?, day Of(:;/7~(;..tt(t{i'/2005.
-. -. /IJ/
. )fi (t:2 /C. I.(#r'd~ k /L
-' Notary Public'
Notarial Seal
Theresa A. Lichina, Notary PubIlc
City of PillSbUlJlh. AIIegbeny County
My CommiDion Expires June 13. 200S
Member, Perll"!~0v~,<.:-, ,\^":orn~tIon of Notaries
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
SUPPLEMENT TO
AFFIDAVIT PURSUANT TO
RULE 3129.1
Filed on behalf of Plaintiff:
MANUFACTURERS AND TRADERS
TRUST CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. 1.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm I.D. No. 006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
COMMONWEALTH OF PENNSYLVANIA
SS:
COL~TY OF ALLEGHENY
Before me, the undersigned authority, personally appeared
Paul David Burke, Counsel for MANUFACTURERS AND TRADERS TRUST
CO., in the above action, and sets forth as of the date of the
Praecipe for Writ of Execution was filed, the following
information concerning the real property located at 2 Liberty
Court, Carlisle, PA 17013:
1. Name and address of owner or reputed owner:
James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
2. Name and address of defendant in the judgment:
James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
3. Name and address of every judgment creditor whose
judgment is a record lien on the real property to be
sold:
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, Successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
100 Wehrle Drive, 2nd Floor
Williamsville, New York 142221
(Plaintiff)
4. Name and address of the last recorded holder of every
mortgage of record:
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, Successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
100 Wehrle Drive, 2nd Floor
Williamsville, New York 142221
(Plaintiff)
Ameriserv Financial Bank f/k/a
United States National Bank in Johnstown
then U.S. Bank
Main and Franklin Streets
Johnstown, PA 15901
Ameriserv Financial Bank
Collection Department
P. O. Box 520
Johnstown, PA 15901
Att.: Missy
5. Name and address of every other person who has any
record lien on the property:
Tax Claim Bureau
Cumberland County Courthouse
One Courthouse Sq.
Carlisle, PA 17013
6. Name and address of every other person who has any
record interest in the property and whose interest may
be affected by the sale:
None
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the
property which may be affected by the sale:
None
The information provided in the foregoing Affidavit is
provided solely to comply with the pennsylvania Rules of Civil
Procedure 3129.1 and it is not intended to be a comprehensive
abstract of the condition of the title of the real estate which
is being sold under this execution.
No person or entity is
entitled to rely on any statements made herein in regard to the
condition of the title of the property or to rely on any
statement herein in formulating bids which might by made at the
sale of the property.
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information
and belief.
I understand that false statements herein are made
subject to the penalties of 18 Pa. C.S. 54909 relating to unsworn
falsification to authorities.
David Burke, Esquire
RRARD, GERMAN & KELLY, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
Attorneys for Plaintiff
Sworn
2005.
this
/ lUL-4~
/
Notary Public
Notarial Seal
tI1aesa A. Uchina. Nolary _
CiQl of P11\sbuJllb. AIIqbeny Coanll'
My Commission Expires June 13. 2CXlS
~r ~,-""'~~" '~'''~,~I~ofN0tarfe8
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE OF SHERIFF'S SALE
OF REAL ESTATE
Filed on behalf of Plaintiff,
MANUFACTURERS AND TRADERS TRUST
CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm I.D. No. 006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
CIVIL DIVISION
Plaintiff,
NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE OF SHERIFF'S SALE OF REAL ESTATE
TAKE NOTICE that by virtue of the above Writ of Execution
issued out of the Court of Common pleas of Cumberland County,
Pennsylvania, and directed to the Sheriff of Cumberland County,
there will be exposed to Public Sale at Cumberland County,
Courthouse, on March 2. 2005 ,at 10:00 o'clock a.m., the
following described real estate, of which JAMES A. CHALFIN, is the
owner or reputed owner.
ALL that certain tract or parcel of land with the improvements
thereon erected, situate in South Middleton Township, Cumberland
County, Pennsylvania.
Being Designated as Parcel Number 40-24-0760-095.
Acquired in Deed Book Volume 146, Page 809.
The said Writ of Execution was issued on a judgment in the
civil Action of MANUFACTURERS AND TRADERS TRUST CO. v. JAMES A.
CHALFIN, in the aggregate amount of $190,888.94 interest on the
outstanding aggregate principal balance ($179,811.76) at the
contractual rate set forth in the Note from November 10, 2004, plus
costs (including increases in escrow deficiency, if any),
additional late charges, legal fees and for foreclosure and sale of
the mortgaged premises all as set forth in the Praecipe for Writ of
Execution.
Claims against property must be filed at the Office of the
Sheriff before above sale date.
Claims to proceeds must be made with the Office of the Sheriff
before distribution.
Schedule of Distribution will be filed with the Office of the
Sheriff no later than thirty (30) days from sale date.
Exceptions to Distribution or a Petition to Set Aside the Sale
must be filed with the Office of the Sheriff no later than ten (10)
days from the date when Schedule of Distribution is filed in the
Office of the Sheriff.
Attached hereto is a copy of the Writ of Execution. It has
been issued because there is a judgment against you. It may cause
your property to be held or taken to pay the judgment. You may
have legal rights to prevent your property from being taken. A
lawyer can advise you more specifically of these rights. If you
wish to exercise your rights, you must act promptly.
YOU SHOULD TAKE THIS NOTICE AND WRIT OF EXECUTION TO YOUR
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL ADVICE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
Telephone No.
(800) 990-9108
You may have legal rights to prevent the Sheriff's Sale and
the loss of your property. In order to exercise those rights,
prompt action on your part is necessary. A lawyer may be able to
help you.
You may have the right to prevent or delay the Sheriff's Sale
by filing, before the sale occurs, a petition to open or strike the
judgment or a petition to stay the execution.
If the judgment was entered because you did not file with the
Court any defense or objection you might have within twenty (20)
days after service of the Complaint in Civil Action on Mortgage
Foreclosure and Notice to Defend, you may have the right to have
the judgment opened if you promptly file a petition with the Court
alleging a valid defense and a reasonable excuse for failing to
file the defense on time. If the judgment is opened, the Sheriff's
Sale would ordinarily be delayed pending a trial of the issue of
whether the plaintiff has a valid claim to foreclose the mortgage.
You may also have the right to have the judgment stricken if
the Sheriff has not made a valid return of service of the Complaint
and Notice to Defend or if the judgment was entered before twenty
(20) days after service or certain other events. To exercise this
right, you would have to file a petition to strike the judgment.
You may also have the right to petition the Court to stay or
delay the execution and the Sheriff's Sale if you can show a defect
in the Writ of Execution or service or demonstrate any other legal
or equitable right.
..
You may also have the right to have the Sheriff's Sale set
aside if the property is sold for a grossly inadequate price or if
there are defects in the Sheriff's Sale. To exercise this right,
you should file a petition with the Court after the sale and before
the Sheriff has delivered his deed to the property. The Sheriff
will deliver the deed if no petition is filed within ten (10) days
from the date when the Schedule of Distribution is filed in the
Office of the Sheriff.
SHERRARD, GERMAN & KELLY, P.C.
Dated:
111/2.10'7
By: ~~
pa& David Burke, Esquire----.--.
Pa. I.D. #34960
Attorneys for Plaintiff
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
..
Affix fee hore in stamps
or meter postage and
post mark. Inquire of
Postmaster for current
fea.
U.S. POSTAL SERVICE CERTIFICATE OF MAILING
MAY BE USED~_~~..?~~~ST~~~~I?}~!~~NA TIONAl MAIL. DOES NOT
SHERRARD, GERMAN & KELLY, P.c.
ATTORNEYS AT LAW
Z8TH FLOOR .~~
620 LIBERTI AVENUE ;Y1'}' "'-C
PITTSBURGH, PENNSYLVANIA 15222" v,() ~1?
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U.S. POSTAL SERVICE CER IFICA TE F MAILING
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT
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Affix fee here in stamps
or meter postage and
post mark. InQuire of
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ATTORNEYS AT LAW "I
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U. . POSTAL SERVICE CERTIFICATE OF MA LING
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A ffi)( fee here in stamps
or meter postage and
post marlc Inquire of
Postmaster for current
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SHERRARD, GERMAN & KELLY, P.c.
ArrORNEYS AT LAW
28TH FLOOR
620 LIBERTI AVENUE 6'1' I' A.!.
PITfSBUROH, PENNSYLVANIA 15Z2Z'!ffJ.AN
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PS Form 3817, Mar, 1989
GPO : 1993 0 - 151-051
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IN THE COURT OF COMMJN PLE'AS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE F'OR WRIT OF EXECUTION
Caption:
Confessed Judgment
HANUFACURERS AND TRADERS TRUST CO,
Other
vs.
rDe No. 2004~ :tle1-CIVIL
JAMES A. CHALFIN
Mount Due ;I~~ ;~1 ~:
Interest $ 47:45.7Q
Atty's Comn
Costs
t/) 74-<;, 70
TO THE PROTHON:)I'ARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not arise out of a retaiJ.
installIrent sale, contract, or account based on a confession of judgrent, but if it does,
it is based on the appropriate orjginal proceeding filed pursuant to Act 7 of 1966 as
azrended; and for real property pursuant to Act 6 of 1974 as arrended.
Issue writ of execution in the above rratter to the Sheriff of Cumberland
County, for debt, interest and costs upon the following described property of the
defendant(s) James A, Chalfin
2 Liberty Court, Carlisle, PA 17103
Parcel No. 40-24-07&4-095
PRAOCIPE FOR ATl'!\Of-lENl' EXron'IOO
Issue writ of attachment to the Sheriff of
interest and costs, as above, directing attachment
the follOWing property (if real estate, supply six
copies of lengthy personalty list)
County, for debt,
against the above-narred garnishee( s) for
copies of the description; supply four
and all other property of the defendant ( s) w the possession, custody or control of the
said garnishee(s).
(Indicate) Index this writ agalnst the garnlshee(s) as a lis pendens against
real estate of the defendant(s) described In the attached exhibit.
j/- 1/_ 04
Slgnature: ~-
V'
Print Name: Paul David Burke, Esq.
SHERRARD; UERMAN & KELLY, PC.
ATTORNEYS AT LAW
28TH FLOOR, Two PNC PLAZA
620 LIBERTY AVENUE
PITTSBURGH, PENNSYLVANIA 15222
Plaintiff
'<;:>-
-
DATE:
Address:
.:"ttomey for:
-: C' l'."'c~.one: 412-355_0200
Notes: If real property, supply six copies of description including improvements and an
original and copy of affidavit of ownership (PaR.C.P. No. 3129).
If lengthy personalty list, supply four copies of list.
To index writ, file separate praecipe with writ.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff,
CIVIL DIVISION
NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
LONG DESCRIPTION
ALL that certain tract or parcel of land with the improvements thereon
erected, situate in South Middleton Township, Cumberland County, Pennsylvania,
being more particularly bounded and described as follows:
BEGINNING at a point on the eastern right-of-way line of Liberty Court
(private road} at the Southwest Corner of Lot No. 32 on the hereinafter described
Final Land Development Plan; thence along the Southern Line of said Lot No. 32
North 58 degrees 3S minutes 34 seconds East a distance of 129.95 feet to a point
on the western line of an area designated as "Tennis Court Common Area"; thence
along the western line of the same South 3l degrees 24 minutes 26 seconds East
a distance of 59.13 feet to a concrete monument on the northern legal
right-of -way line of Mayapple Drive; thence along the northern legal right-of -way
line of Mayapple Drive by a curve to the right having a radius of 810 feet an arc
length of 58.70 feet; thence continuing along the northern legal right-of-way
line of Mayapple Drive South 58 degrees 35 minutes 34 seconds West a distance of
46.3 feet to a point; thence along the intersection of Mayapple Drive and Liberty
Court (private road) by a curve to the left having a radius of 25 feet an arc
length of 39.27 feet to a point on the eastern right-of-way line of Liberty Court
(private road) i thence along the eastern right-at-way line of liberty Court
(private road) north 31 degrees 24 minutes 26 seconds West a distance of 32.00
feet to a point at the southwest corner of Lot No. 32 on the hereinafter
described Final Land Development Plan, the point and place of beginning.
CONTAINING 0.1679 acres.
BEING Lot No. 33. Final Land Development Plan for the Mayapple Village
prestwick Townhouse Lots, dated June 8, 1990, and recorded in the Office of the
Recorder of Deeds in and for Cumberland County in Plan Book 61 Page 55.
PARCEL #40-24-0760-095
BEING known and numbered as 2 Liberty Court, Carlisle. PA 17013.
BEING the same property which C. Jeffrey Conant and Ellen E. Conant,
husband and wife, by their Deed dated September 30, 1996, and recorded in the
Recorder's Office of Cumberland County at Deed Book Volume 146, Page 809, granted
and conveyed unto James A. Chalfin, a single man.
SHERRARD, GERMAN & KELLY, P.C.
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WRIT OF EXECUTION andlor ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-2108 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MANUFACTURERS AND TRADERS TRUST CO.
Plaintiff( s)
From JAMES A. CHALFIN, 6 UNIVERSITY DRIVE, STE. 206, AMHERST MA 01002
(1) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE
LOCATED AT 2 LIBERTY COURT, CARLISLE PA 17013 (SEE LEGAL
DESCRIPTION) .
(2) You are also directed to attach the property ofthe defendant(s) not levied upon in the possession
of GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himlher that helshe has been added as a
garnishee and is enjoined as above stated.
Amount Due $186,143.24
Interest $4,745.70
Atty's Cornm %
Atty Paid $151.53
Plaintiff Paid
Date: NOVEMBER 24, 2004
L.L. $.50
Due Prothy $1.00
Other Costs
CURTIS R. LONG
(Seal)
By:
REQUESTING PARTY:
Name P AUL DAVID BURKE, ESQ.
Address: 28TH FLOOR, TWO PNC PLAZA
620 LIBERTY AVE., PITTSBURGH P A 15222
Attorney for: PLAINTIFF
Telephone: (412) 355-0200
Supreme Court ID No. 34960
o'l~ d-Jo"6
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND } SS:
I, Robert P. Ziegler, Recorder of Deeds in and for said County and State do hereby certify that
the Sheriffs Deed in which Central Penn Property Serv Inc is the grantee the same having been sold to
said grantee on the 2nd day of March A.D., 2005, under and by virtue of a writ Execution issued on the
24th day of No v, A.D., 2004, out of the Court of Common Pleas of said County as of Civil Term, 2004
Number 2108, at the suit of Manufactures & Traders Tr Co dba M & T Bank against James A Chalfin is
duly recorded in Sheriff s Deed Book No. 268, Page 2997.
IN TESTIMONY WHEREOF, I have hereunto set my hand
and seal of said office this ;? i-C~ day of
I \:1
,A.D.
Recorder of Deeds
,~"'CaunIy,CIrIIIII,""
e.,nollle_~o/"""8lOI
..
.
Manufacturers and Traders Trust Co.
VS
James A. Chalfin
In The Court of Common Pleas of
Cumberland County, Pennsylvania
Writ No. 2004-2108 Civil Term
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he
served the within Real Estate Writ, Notice of Sale and Description in the following
manner: The Sheriff mailed a notice of the action by certified mail, return receipt
requested, restricted delivery, deliver to addressee only, to the within named defendant, to
wit: James A. Chalfin at 6 University Drive, Suite 206, Amherst, MA 01002. This letter
was mailed on December 01,2004. The return receipt card was signed by Ed Riley on
December 04,2004 and returned to the Sheriffs Office.
Kurt Haag, Deputy Sheriff, who being duly sworn according to law, states that on
January 03, 2005 at 2:37 o'clock P.M., he posted a true copy of the within Real Estate
Writ, Notice, Poster and Description, in the above entitled action, upon the property of
James A. Chalfin located at 2 Liberty Court, Carlisle, Pennsylvania, according to law.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states he
served the above Real Estate Writ, Notice, Poster and Description in the following
manner: The Sheriff mailed a notice of the pendency of the action to the within named
defendant, to wit: James A. Chalfin, by regular mail to their last known address of 110
South Queen Street, Shippensburg, PA 17257. These letters were mailed under the date
of December 29,2004 and never returned to the Sheriff's Office.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states that
after due and legal notice had been given according to law, he exposed the within
described premises at public venue or outcry at the Courthouse, Carlisle, Cumberland
County, Pennsylvania on March 02, 2005 at 10:00 o'clock A.M. He sold the same for the
sum of $136,500.00 to Ann Gatchell for Central Penn Property Services, Inc. It being the
highest bid and best price received for the same, Central Penn Property Services, Inc. of
100 South 7th Street, Akron, PA 17501, being the buyer in this execution, paid to Sheriff
R. Thomas Kline the sum of $ 142,299.40.
Sheriff's Costs:
Docketing
Poundage
Posting Bills
Advertising
Acknowledging Deed
Auctioneer
Law Library
Prothonotary
Mileage
Levy
Certified Mail
Surcharge
$30.00
2730.00
15.00
15.00
30.00
10.00
.50
1.00
3.70
15.00
10.10
20.00
..
Law Journal
Patriot News
Share of Bills
Distribution of Proceeds
Sheriff's Deed
390.95
376.24
30.73
25.00
39.50
$ 3742.72
Sworn and subscribed to before me
This :z "d day of J~
2005,A.D'~6'k- 0 )JW&.v;~
r thonotary
~~~
R. Thomas Kline, Sheriff
BY )OC~ J'.'vv.l:L
Real Estate Deputy
6 -"D
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
AFFIDAVIT PURSUANT TO
RULE 3129.1
Filed on behalf of Plaintiff:
MANUFACTURERS AND TRADERS TRUST
CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm I.D. No. 006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF ALLEGHENY
Before me, the undersigned authority, personally appeared Paul
David Burke, Counsel for MANUFACTURERS AND TRADERS TRUST CO., in
the above action, and sets forth as of the date of the Praecipe for
Writ of Execution was filed, the following information concerning
the real property located at 2 Liberty Court, Carlisle, PA 17013:
1. Name and address of owner or reputed owner:
James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
2. Name and address of defendant in the judgment:
James A. Chalfin
6 University Drive, Ste. 206
Amherst, MA 01002
3. Name and address of every judgment creditor whose
judgment is a record lien on the real property to be
sold:
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, Successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
100 Wehrle Drive, 2nd Floor
Williamsville, New York 142221
(Plaintiff)
4. Name and address of the last recorded holder of every
mortgage of record:
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, Successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
100 Wehrle Drive, 2nd Floor
Williamsville, New York 142221
(Plaintiff)
Ameriserv Financial Bank f/k/a
United States National Bank in Johnstown
then U.S. Bank
Main and Franklin Streets
Johnstown, PA 15901
'.
Ameriserv Financial Bank
Collection Department
P. O. Box 520
Johnstown, PA 15901
Att.: Missy
5. Name and address of every other person who has any record
lien on the property:
None
6. Name and address of every other person who has any record
interest in the property and whose interest may be
affected by the sale:
None
7. Name and address of every other person of whom the
plaintiff has knowledge who has any interest in the
property which may be affected by the sale:
None
The information provided in the foregoing Affidavit is
provided solely to comply with the Pennsylvania Rules of Civil
Procedure 3129.1 and it is not intended to be a comprehensive
abstract of the condition of the title of the real estate which is
being sold under this execution. No person or entity is entitled
to rely on any statements made herein in regard to the condition of
the title of the property or to rely on any statement herein in
formulating bids which might by made at the sale of the property.
I verify that the statements made in this affidavit are true
and correct to the best of my personal knowledge or information and
belief. I understand that false statements herein are made subject
to the penalties of 18 Pa. C.S. 54909 relating to unsworn
."
falsification to authorities.
David Burke, Esquire
RRARD, GERMAN & KELLY, P.C.
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
Attorneys for Plaintiff
Sworn and subscribed before me
this
day JiMU/n'ldU1.
~/J~
Notary Public
IUJ\
J
/, 2004.
Commom~~.-:?"h "if Perms "\vanla
.:,:-;-);;.:1
.Joan H. Martin, Notary Public
City Of Pittsburgh, Alleghany County
My Commission E)(pifr'~ .L.lJy 17, 2007
Member, P€llns\k;,)', ',',:j i' ';i',", "i"S
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff,
CIVIL DIVISION
NO. 2004-2l08-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
LONG DESCRIPTION
ALL that certain tract or parcel of land with the improvements thereon
erected, situate in South Middleton Township, Cumberland County, Pennsylvania,
being more particularly bounded and described as follows:
BEGINNING at a point on the eastern right-of-way line of Liberty Court
(private road) at the Southwest Corner of Lot No. 32 on the hereinafter described
Final Land Development plani thence along the Southern Line of said Lot No. 32
North 58 degrees 35 minutes 34 seconds East a distance of 129.95 feet to a point
on the western line of an area designated as uTennis Court Common Arearr; thence
along the western line of the same South 31 degrees 24 minutes 26 seconds East
a distance of 59.13 feet to a concrete monument on the northern legal
right-of-way line of Mayapple Drive; thence along the northern legal right-af-way
line of Mayapple Drive by a curve to the right having a radius of 810 feet an arc
length of 58.70 feet; thence continuing along the northern legal right-of-way
line of Mayapple Drive South sa degrees 35 minutes 34 seconds West a distance of
46.3 feet to a point; thence along the intersection of Mayapple Drive and Liberty
Court (private road) by a curve to the left having a radius of 2S feet an arc
length of 39.27 feet to a point on the eastern right-af-way line of Liberty Court
(private road); thence along the eastern right-at-way line of liberty Court
(private road) north 31 degrees 24 minutes 26 seconds West a distance of 32.00
feet to a point at the southwest corner of Lot No. 32 on the hereinafter
described Final Land Development Plan, the point and place of beginning.
CONTAINING O.l679 acres.
BEING Lot No. 33, Final Land Development Plan for the Mayapple Village
Prestwick Townhouse Lots, dated June 8, ~990, and recorded in the Office of the
Recorder of Deeds in and for Cumberland County in Plan Book 61 Page 55.
PARCEL #40-24-0760-095
BEING known and numbered as 2 Liberty Court, Carlisle, PA 17013.
BEING the same property which C. Jeffrey Conant and Ellen E. Conant.
husband and wife, by their Deed dated September 30, 1996, and recorded in the
Recorder's Office of Cumberland County at Deed Book Volume 146, Page 809/ granted
and conveyed unto James A. Chalfin, a single man.
SHERRARD, GERMAN & KELLY, P.C.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST CIVIL DIVISION
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff, NO. 2004-2108-civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE OF SHERIFF'S SALE
OF REAL ESTATE
Filed on behalf of Plaintiff,
MANUFACTURERS AND TRADERS TRUST
CO.
COUNSEL OF RECORD FOR THIS
PARTY:
Paul David Burke, Esquire
Pa. I.D. #34960
SHERRARD, GERMAN & KELLY, P.C.
Firm I.D. No. 006
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
"
:
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO,
and KEYSTONE FINANCIAL BANK, N.A,
CIVIL DIVISION
Plaintiff,
NO, 2004-2108-civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
NOTICE OF SHERIFF'S SALE OF REAL ESTATE
TAKE NOTICE that by virtue of the above Writ of Execution
issued out of the Court of Common Pleas of Cumberland County,
Pennsylvania, and directed to the Sheriff of Cumberland County,
there will be exposed to Public Sale at Cumberland County,
Courthouse, on March 2. 2005 ,at 10:00 o'clock a.m., the
following described real estate, of which JAMES A. CHALFIN, is the
owner or reputed owner.
ALL that certain tract or parcel of land with the improvements
thereon erected, situate in South Middleton Township, Cumberland
County, Pennsylvania.
Being Designated as Parcel Number 40-24-0760-095.
Acquired in Deed Book Volume 146, Page 809.
The said Writ of Execution was issued on a judgment in the
Civil Action of MANUFACTURERS AND TRADERS TRUST CO. v. JAMES A.
CHALFIN, in the aggregate amount of $190,888.94 interest on the
outstanding aggregate principal balance ($179,811.76) at the
contractual rate set forth in the Note from November 10, 2004, plus
costs (including increases in escrow deficiency, if any),
additional late charges, legal fees and for foreclosure and sale of
the mortgaged premises all as set forth in the Praecipe for Writ of
Execution.
Claims against property must be filed at the Office of the
Sheriff before above sale date.
Claims to proceeds must be made with the Office of the Sheriff
before distribution.
Schedule of Distribution will be filed with the Office of the
Sheriff no later than thirty (30) days from sale date.
.
'.
Exceptions to Distribution or a Petition to Set Aside the Sale
must be filed with the Office of the Sheriff no later than ten (10)
days from the date when Schedule of Distribution is filed in the
Office of the Sheriff.
Attached hereto is a copy of the Writ of Execution. It has
been issued because there is a judgment against you. It may cause
your property to be held or taken to pay the judgment. You may
have legal rights to prevent your property from being taken. A
lawyer can advise you more specifically of these rights. If you
wish to exercise your rights, you must act promptly.
YOU SHOULD TAKE THIS NOTICE AND WRIT OF EXECUTION TO YOUR
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE,
GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL ADVICE.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
Telephone No.
(800) 990-9108
You may have legal rights to prevent the Sheriff's Sale and
the loss of your property. In order to exercise those rights,
prompt action on your part is necessary. A lawyer may be able to
help you.
You may have the right to prevent or delay the Sheriff's Sale
by filing, before the sale occurs, a petition to open or strike the
judgment or a petition to stay the execution.
If the judgment was entered because you did not file with the
Court any defense or objection you might have within twenty (20)
days after service of the Complaint in civil Action on Mortgage
Foreclosure and Notice to Defend, you may have the right to have
the judgment opened if you promptly file a petition with the Court
alleging a valid defense and a reasonable excuse for failing to
file the defense on time. If the judgment is opened, the Sheriff's
Sale would ordinarily be delayed pending a trial of the issue of
whether the plaintiff has a valid claim to foreclose the mortgage.
You may also have the right to have the judgment stricken if
the Sheriff has not made a valid return of service of the Complaint
and Notice to Defend or if the judgment was entered before twenty
(20) days after service or certain other events. To exercise this
right, you would have to file a petition to strike the judgment.
You may also have the right to petition the Court to stay or
delay the execution and the Sheriff's Sale if you can show a defect
in the Writ of Execution or service or demonstrate any other legal
or equitable right.
'.
You may also have the right to have the Sheriff's Sale set
aside if the property is sold for a grossly inadequate price or if
there are defects in the Sheriff's Sale. To exercise this right,
you should file a petition with the Court after the sale and before
the Sheriff has delivered his deed to the property. The Sheriff
will deliver the deed if no petition is filed within ten (10) days
from the date when the Schedule of Distribution is filed in the
Office of the Sheriff.
SHERRARD, GERMAN & KELLY, P.C.
Dated:
1/1/2./0'-(
By: ~~
pa& David Burke, Esquire-----
Pa. I.D. #34960
Attorneys for Plaintiff
28th Floor, Two PNC Plaza
Pittsburgh, PA 15222
(412) 355-0200
..
.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL DIVISION
MANUFACTURERS AND TRADERS TRUST
CO. d/b/a M & T BANK, successor
in interest to FINANCIAL TRUST CO.
and KEYSTONE FINANCIAL BANK, N.A.
Plaintiff,
NO. 2004-2l08-Civil
v.
JAMES A. CHALFIN,
an individual,
Defendant.
LONG DESCRIPTION
ALL that certain tract or parcel of land with the improvements thereon
erected, situate in South Middleton Township, Cumberland County. Pennsylvania,
being more particularly bounded and described as follows:
BEGINNING at a point on the eastern right-of-way line of Liberty Court
(private road) at the Southwest Corner of Lot No. 32 on the hereinafter described
Final Land Development Plan; thence along the Southern Line of said Lot No. 32
North 58 degrees 35 minutes 34 seconds East a distance of l29.95 feet to a point
on the western line of an area designated as ll'Tennis Court Common Area"; thence
along the western line of the same South 3l degrees 24 minutes 26 seconds East
a distance of 59.13 feet to a concrete monument on the northern legal
right-oE-way line of Mayapple Drive; thence along the northern legal right-af-wa.y
line of Mayapple Drive by a curve to the right having a radius of 810 feet an arc
length of 58.70 feet; thence continuing along the northern legal right-of-way
line of Mayapple Drive South 58 degrees 35 minutes 34 seconds West a distance of
46.3 feet to a point; thence along the intersection of Mayapple Drive and Liberty
Court (private road) by a curve to the left having a radius of 25 feet an arc
length of 39.27 feet to a point on the eastern right-at-way line of Liberty Court
(private road); thence along the eastern right-af-way line of liberty Court
(private road) north 31 degrees 24 minutes 26 seconds West a distance of 32.00
feet to a point at the southwest corner of Lot No. 32 on the hereinafter
described Final Land Development. Plan, the point and place of beginning.
CONTAINING 0.l679 acres.
BEING Lot No. 33, Final Land Development Plan for the Mayapple Village
prestwick Townhouse Lots, dated June 8, ~990, and recorded in the Office of the
Recorder of Deeds in and for Cumberland County in Plan Book 61 Page 55.
PARCEL #40-24-0760-095
BEING known and numbered as 2 Liberty Court, Carlisle, PA 17013.
BEING the same property which C. Jeffrey Conant and Ellen E. Conant,
husband and wife, by their Deed dated September 30, ~996, and recorded in the
Recorder's Office of Cumberland County at Deed Book Volume 146, Page 809, granted
and conveyed unto James A. Chalfin, a single man.
SHERRARD, GERMAN & KELLY, P.C.
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WRIT OF EXECUT'fON andlor ATTACHMENT
.
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-2108 Civil
CNIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MANUFACTURERS AND TRADERS TRUST CO.
Plaintiff(s)
From JAMES A. CHALFIN, 6 UNIVERSITY DRIVE, STE. 206, AMHERST MA 01002
(I) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE
LOCATED AT 2 LIBERTY COURT, CARLISLE PA 17013 (SEE LEGAL
DESCRIPTION) .
(2) You are also directed to attach the property ofthe defendant(s) not levied upon in the possession
of GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that helshe has been added as a
garnishee and is enjoined as above stated.
Amount Due $186,143.24
Interest $4,745.70
Atty's Comm %
Arty Paid $151.53
Plaintiff Paid
L.L. $.50
Due Prothy $1.00
Other Costs
Date: NOVEMBER 24, 2004
CURTIS R. LONG
(Seal)
'ro~on .
By: \ ~ I
.
~""i,,^ k1J-
REQUESTING PARTY:
Name PAUL DAVID BURKE, ESQ.
Address: 28TH FLOOR, TWO PNC PLAZA
620 LIBERTY AVE., PITTSBURGH PA 15222
Attorney for: PLAINTIFF
Telephone: (412) 355-0200
Supreme Court ID No. 34960
Real Estate Sale #26
On December 01,2004 the Sherifflevied upon the
defendant's interest in the real property situated in
South Middleton Township, Cumberland County, PA
Known and numbered as 2 Liberty Court,
Carlisle, more fully described on Exhibit "A"
filed with this writ and by this reference incorporated herein.
Date: December 01,2004
ByJ~l~
Real Estatg Deputy
bO :b '-;j ,- :nOl\66l
Va '"Hmo:) mW1Cl3\:l\4f\J
::I:1\~3HS 3H1 30 3::l\:l::lO
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THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
James L. Clark, being duly sworn according to law, deposes and says:
That he is the Accounts Receivable Manager of The Patriot News Co., a corporation organized and existing
under the laws ofthe Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818
Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The
Patriot-News and The Sunday Patriot.News newspapers of general circulation, printed and published at 812 to 818
Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were
established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever
since;
That the printed notice or publication which is securely attached hereto is exactly as printed and published
in their regular daily and/or Sunday! Metro editions which appeared on the 18th and 25th day(s) of January and the
1st day(s) of February 2005. That neither he nor said Company is interested in the subject matter of said printed
notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication
are true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot.News Co. aforesaid by virtue and pursuant to a resolution unanimously passed
and adopted severally by the stockholders and board of directors of the said Company and subsequently duly
recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M",
Volume 14, Page 317.
PUBLICATION
/),
li(
...........................................;./.-:..................................................
,
COpy
S ALE #26
Sworn to and subscribed before me
N01MIAl.
lerry L. Russell. N ry
at-( 01 HarrisbUrg,
My commission Expires June 6. '. Y PUBLIC
.....mb..,P.nn,VIV.niaA..<M~~l1ln exprres June 6, 2006
CUMBERLAND COUNTY SHERIFFS OFFICE
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE
CARLISLE, PA. 17013
Statement of Advertising Costs
To THE PATRIOT-NEWS CO.
For publishing the notice or publication attached
hereto on the above stated dates
376.24
Publisher's Receipt for Advertising Cost
The Patriot News Co., publisher of The Patriot-News and The Sunday Patriot-News, newspapers of general
circulation, hereby acknowledge receipt of the aforesaid notice and publication costs and certifies that the same have
been duly paid,
By..................,.................................................
REAL ESTATE SALE No. 28
Will No. 2004-2108
CIvIl Term
MlIn_ ancITracIenlTrusl
Co., dlbllllI . T ~ BUCca880r
In I_to
F1nenclalTrusl Co. and
Key8toII8 F111811C1a1 Bank, N.A.
Va
_A.Chllllln
Ally: Paul D8v1d Burke
DESCRIPTION
AIL TIIAT CEKfAIN "'" (J[ pan:el of Iaod
with the improve-ments thereon erected. situate in
South Mrodleton Township. Cwn-berland County.
Pennsylwnia, being more particularly bounded
anII described as lolk>ws:
BEGINNING at a point on the eastern right-
of-way liDe ofLib-<rtyConrt (privale rood) at the
SoUthwest Comer of Lot No. 32 on - the
bereinafter described Final Land DeveIOJllll'lll
P1ao; thence along the _ Line of said Lot
No. 32 North 58 depos 35 _ 34 seconds
East a distance of 1~.9S feet to a point on the
westtm liDe of an "'" desigoated as lTemris
Conrt Commoo Area! thence aloog the westtm
liDe of the same Sooth 31 depos 24 min-otes 26
seconds East adistaDce of59.13 feet to a concrete
mo"- on lite oortbem Iegal right-of-way liDe
of Mayapple Drive: thence along lite norlItem
Iegal right-ol.way liDe of Mayapple Dri", by ,
curve to the right having a radius of 810 feet an
arc leogtb of 58.70 leet, lItence continuiog aloog
the oortbem Iegal right-of-way liDe of Mayapple
Drive South 5g degrees 35 wiontes 34 seconds
West a ~ of 46.3 tMto apo~ thence
along the intmection 01 May-apple Drive and
Liberty Conrt (privale road) by , cmve to the left
having ,radios of 25leet an arc leogtb of 3917
feet to ,point on the eastom right-of-way liDe of
Liberty Conrt (private road): thence along lite
eastom right-of-way liDe of Liberty C_ (private
rood) oortb 31 depos 24 minutes 26 secoods
West a distance of 32.00 feet to a point attbe
southwest comer of Lot No. 32 on the hereinafter
described Final Land Developmeot Plan. lite point
and plare of BEGINNING.
CONTAINING 0.1679 aces.
BEING Lot No. 33. Final Land Developmeot
P1ao foc lite May-apple VJ!bge Prestwick Thwo.
boose Lou. <\ated Jone 8, 1990. and recorded in
lite Office ofthe_olJlceds in and lor
Cumberland County in PIaoll00k 61 Page 55.
Farce! Hl-umfM95.
BEJNG lorowo and 0_ as 2 Liberty
C_Calfule.PAI7013.
BEING the same'property which C. Jeffrey
Co_ and EIleo E. Cooan, bosband and wit",
by 1heir Deed dated Sqlfember 30. 1996. and
recorded in theRe-<oo!or', Office of Cumberland
County at Deed Book \Olume 146, Page 1Itl9.
gran1ed and...... _ lomes A. CbalfbI, ,
single man.
,,,,,"'ft~.
, I
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
ss,
COUNTY OF CUMBERLAND
Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
was established January 2,1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
V1Z:
January 14, 21, 28, 2005
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and ch" ter of publication are true.
/
SWO TO AND SUBSCRIBED before me this
28 day of January, 2005
~~)i, JmJdLV
Notary
REAL ESTATE SALE NO. 26
Writ No. 2004-2108 Civil
Manufacturers and Traders TnIst
Co. d/b/a M & T Bank, successor
in interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
vs,
James A. Chalfin, an individual
Atty.: Paul David Burke
LONG DESCRIPTION
ALL that certain tract or parcel
of land with the improvements
thereon erected, situate in South
Middleton Township, Cumberland
County, Pennsylvania, being more
particularly bounded and described
as follows:
BEGINNING at a point on the
eastem right-oC-way line of Liberty
Court (private road) at the South-
west Comer of Lot No. 32 on the
hereinafter described Final Land
Development Plan; thence along the
Southern Line of said Lot No. 32
North 58 degrees 35 minutes 34
seconds East a distance of 129.95
feet to a point on the western line
of an area designated as "Tennis
Court Common Area~; thence along
the western line of the same South
31 degrees 24 minutes 26 seconds
East a distance of 59.13 feet to a
concrete monument on the northern
legal light-of~way line of Mayapple
Drive; thence along the northern
legal light-of-way line of Mayapple
Drive by a curve to the right having
a radius of 810 feet an arc length of
58.70 feet: thence continuing along
the northern legal right-of-way line
of Mayapple Drive South 58 degrees
35 minutes 34 seconds West a dis-
tance of 46.3 feet to a point: thence
along the intersection of Mayapple
Drive and Liberty Court (private
road) by a curve to the left having a
radius of 25 feet an arc length of
39.27 feet to a point on the eastern
right-of~way line of Liberty Court
(private road); thence along the east-
ern right-of-way line of Liberty Court
(private road) north 31 degrees 24
minutes 26 seconds West a distance
of 32.00 feet to a point at the south-
west corner of Lot No. 32 on the
hereinafter described Final Land
Development Plan, the point and
place of beginning.
CONTAlNING 0.1679 acres.
BEING Lot No. 33, Final Land
Development Plan for the Mayapple
Village Prestwick Townhouse Lots.
dated June 8. 1990, and recorded
in the Office of the Recorder of
Deeds in and for Cumberland
County in Plan Book 61 Page 55.
PARCEL #40-24-0760-095.
BEING known and numbered as
2 Liberty Court, Carlisle. PA 17013.
BEING the same property which
C. Jeffrey Conant and Ellen E. Con-
ant, husband and wife, by their Deed
dated September 30, 1996. and
recorded in the Recorder's Office
of Cumberland County at Deed Book
Volume 146, Page 809, granted and
conveyed unto James A. Chalfin. a
!'linp"lp Tn::ln
AMENDED SCHEDULE OF DISTRIBUTION
SALE NO. 26
Date Filed: April 01, 2005
Writ No. 2004-2108 Civil Term
Manufacturers and Traders Trust Co. d/b/a M & T Bank, successor in interest to
Financial Trust Co. and Keystone Financial Bank, N.A.
VS
James A. Chalfin
2 Liberty Court
Carlisle, PA 17013
Sale Date:
Buyer:
Bid Price:
March 02, 2005
Central Penn Property Services, Inc.
$136,500.00
Real Debt:
Interest:
Attorney Costs:
$186,143.24
4,745.70
151.53
Total:
$191,040.47
DISTRIBUTION:
Receipts:
Cash on account (12/0]/2004):
Cash on account (03/02/2005):
Cash on account (03/18/2005):
$ 1,500.00
13,650.00
128,649.40
Total Receipts:
$143,799.40
Disbursements:
Sheriffs Costs
Legal Search
State Transfer Tax
Local Transfer Tax
Cumberland County Tax Claim Bureau
Judy Campbell, Local Tax Collector
South Middleton Township Municipal
Authority
Mayapple Village Homeowners Assoc.
Attorney Sherrard, German & Kelly
Manufacturers and Traders Trust Co.
Total Disbursements:
Balance for distribution:
So Answers:
r~~
, .
R. Thomas Kline
Sheriff
$ 3,742.72
200.00
1,434.70
1,434.70
4,549.16
307.36
490.82
355.00
1,500.00
129,784.94
($143,799.40)
0.00
"
SCHEDULE OF DISTRIBUTION
SALE NO. 26
Date Filed: April 01, 2005
Writ No. 2004-2108 Civil Term
Manufacturers and Traders Trust Co. d/b/a M & T Bank, successor in interest to
Financial Trust Co. and Keystone Financial Bank, N.A.
VS
James A. Chalfin
2 Liberty Court
Carlisle, PA 17013
Sale Date:
Buyer:
Bid Price:
March 02, 2005
Central Penn Property Services, Inc.
$136,500,00
Real Debt:
Interest:
Attorney Costs:
$186,143.24
4,745.70
151.53
Total:
$191,040.47
DISTRIBUTION:
Receipts:
Cash on account (12/01/2004):
Cash on account (03/02/2005):
Cash on account (03/18/2005):
$ 1,500.00
13,650,00
128,649.40
Total Receipts:
$143,799,40
Disbursements:
Sheriff's Costs
Legal Search
State Transfer Tax
Local Transfer Tax
Cumberland County Tax Claim Bureau
Judy Campbell, Local Tax Collector
South Middleton Township Municipal
Authority
Attorney Sherrard, German & Kelly
Manufacturers and Traders Trust Co.
Total Disbursements:
Balance for distribution:
So Answers:
r~~~
R. Thomas Kline
Sheriff
$ 3,742.72
200.00
1,434.70
1,434.70
4,549.16
307.36
490.82
1,500.00
130,139.94
($143,799.40)
0.00
, '. .. ,
TITLE REPORT
THE PREMISES ENDORSED HEREON ARE SUBJECf TO THE FOLLOWING
ITEMS, WHICH WILL BE EXCEPTED IN THE POLICY UNLESS SATISFACfORY
EVIDENCE PERMITTING THEIR REMOVAL IS PRODUCED.
SHERIFF SALE NO, 26
Held Wednesday, March 2, 2005
Date: March 2, 2005
TAXES: Receipts for all taxes for the years 2002 to 2004 inclusive. Taxes for the current year
200S.
WATER RENT:
SEWER RENT
Company assumes no liability for private supply of water or sewer.
Receipts to be produced if services are lienable.
MECHANICS' AND Possible unfiJed Mechanics Liens and Municipal Claims.
MUNICIPAL CLAIMS
MORTGAGES: Listed Under Other Exceptions Below.
JUDGMENTS: Listed Under Other Exceptions Below.
INSTRUMENTS TO BE PRODUCED: Deed from Cumberland County Sheriff to
dated , 200S, and recorded
, 200S, in Cumberland County Deed Book , Page
RECITAL: Being the same premises which C. Jeffrey Conant and Ellen E. Conant, his wife by
deed dated September 30, 1996 and recorded September 30, 1996 in the Office of the Recorder
of Deeds in and for Cumberland County in Deed Book 146, Page 809, granted and conveyed to
James A. Chalfin, single man.
OTHER EXCEPTIONS:
1. The identity and legal competency of parties at the closing of this title should be
established to the satisfaction of the closing attorney acting for this Company.
2. Rights or claims of parties in possession, if any, other than the owner.
3. Unrecorded easements, discrepancies or conflicts in boundary lines, shortage in
area and encroachments which an accurate and complete survey would disclose.
4, Payment of State and local Real Estate Transfer Taxes, if required.
5. Public and private rights in the roadbed of the private road known as Liberty
Court.
.... "
6. Conditions, easements and restrictions shown on or set forth on the Final Land
Development Plan for the Mayapple Village Prestwick Townhouse lotes recorded in Cumberland
County Plan Book 61, Page 55.
7. Mortgage in the amount of $100,000.00 given by Joseph J. Mulone and Mary E.
Mulone to Sears Mortgage Corporation dated March 2, 1992 and recorded March 4, 1992 in
Mortgage Book 1051, page 443.
8. Mortgage in the amount of $80,0000. given by James A. Chalfin to Financial
Trust Company, dated August 4, 1997 and recorded August 19, 1997 in Mortgage Book 1400,
Page 133.
Complaint in Mortgage Foreclosure filed on May 11, 2004 by Manufacturers &
Traders Trust Co., doing business as M & T Bank, successor ininterest to Financial Trust
Company and Keystone Financial, as Plaintiff against James A. Chalfin as Defendant in the
Office of the Prothonotary to file number 2004-2108. Judgment in the amount of $186,143.24
entered on August 3, 2004.
9. Mortgage in the amount of $100,000.00 given by James A. Chalfin to Keystone
Financial Bank dated September 30, 1996 and recorded September 30, 1996 in Mortgage Book
1566, Page 95.
10. Mortgage in the amount of 3,700.00 given by James A. Chalfin to Ameriserv
Financial Bank dated August 19,2003 and recorded August 22, 2003 in Mortgage Book 1831,
Page 2337.
11. DECLARATION RECORDED IN MISe. BOOK 365 Page 566.
12. SUPPLEMENTAL DECLARATION RECORDED in Misc. Book 370 Page no.
13. Amended Supplemental Declaration recorded in Misc. Book 388 page 1089.
14. Supplemental Declaration recorded in Misc. Book 395 Page 1194.
15. Joinder by Marbain Inc. recorded in Misc. Book 390 page 448.
16. Rights of Metropolitan Edison Company acquired by Misc. Book 67 page 382.
17. Rights of Metropolitan Edison Company acquired by Misc. Book 71 Page 15.
18. Rights of Metropolitan Edison Company acquired by Misc. Book 147 Page 242.
19. Rights of Metropolitan Edison Company acquired by Misc. Book 174 Page 181.
20. Rights of Metropolitan Edison Company acquired by Misc. Book 195 Page 738.
I,
21. Rights of Metropolitan Edison Company acquired by Misc. Book 224 Page 979.
22. Rights of South Middleton Township Municipal Authority acquired by
Misc. Book 297 page 104.
23. Rights of South Middleton Township Municipal Authority acquired by
Misc. Book 297 Page 994.
24. Rights of Metropolitan Edison Company acquired by Misc. Book 373 Page 799.
25, Satisfactory evidence to be produced that proper notice was given to the holders of all
liens or encumbrances intended to be divested by subject sheriff sale.
26. Real estate taxes accruing on and after July I, 2005 not yet due and payable.
It is to be noted that no search of Domestic Relations Records has been made to
determine support arrearages regarding House Bill 1412, Act 58 of 1997, nor has any
search been made for environmental liens in Federal District Court.
.\0J:r-d
,
Robert G. Frey, Agent
Note: This Title Report shall not be valid r . ding
until countersigned by an authorized signatory.
,',
Writ No. 2004-2108 Civil
Manufacturers and Traders Trust
Co. d/b/a M & T Bank, successor
In interest to Financial Trust Co.
and Keystone Financial Bank, N.A.
VO.
James A. Chalfin, an individual
Atty.: Paul David Burke
LONG DESCRIPTION
ALL that certain tract or parcel
of land with the improvemen ts
thereon erected. situate in South
Middleton Tovmship. Cumberland
County. Pennsylvania, being more
particularly bounded and described
as follows:
BEGINNING at a point on the
eastern Iight~of-way line of Liberty
Court (private road) at the South-
west Comer of Lot No. 32 on the
hereinafter described Final Land
Development Plan; thence along the
Southern Line of said Lot No. 32
North 58 degrees 35 minutes 34
seconds East a distance of 129.95
feet to a point on the western line
of an area designated as "Tennis
Court Common Area"; thence along
the western line of the same South
31 degrees 24 minutes 26 seconds
East a distance of 59.13 feet to a
concrete monument on the northern
legal right-of-way line of Mayapple
Drive; thence along the northern
legal right-of-way line of Mayapple
Drive by a curve to the right having
a radius of 810 feet an arc length of
58.70 feet; thence continuing along
the northem legal Iight~of-way Ilne
of Mayapple Drive South 58 degrees
35 minutes 34 seconds West a dis-
tance of 46.3 feet to a point; thence
along the intersection of Mayapple
Drive and Liberty Court (private
road) by a curve to the left having a
radius of 25 feet an arc length of
39.27 feet to a point on the eastern
rIght. of-way line of Liberty Court
(private road); thence along the east-
ern right-of-way line of Liberty Court
(private road) north 31 degrees 24
minutes 26 seconds West a distance
of 32.00 feet to a point at the south~
west comer of Lot No. 32 on the
hereinafter described Final Land
Development Plan, the point and
place of begInning.
CONTAINING 0.]679 acres.
BEING Lot No. 33. Final Lal
Development Plan for the Mayap~
VUlage Prestwick Townhouse LOI
dated June 8, 1990. and record.
1n the Office of the Recorder
Deeds in and for Cumberlar
County in Plan Book 61 Page 55
PARCEL #40.24-0760-095.
BEING known and numbered
2 Liberty Court. Carlisle, PA 1701
BEING the same property whit
C. Jeffrey Conant and Ellen E. Co
ant. husband and Wife, by their De,
dated September 30, 1996, ar
recorded in the Recorder's om
of Cumberland County at Deed BOI
Volume 146, Page 809. granted ax
conveyed unto James A. Chalfin.
""..._1_