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Home My WebLink About04-2333 GOLDBECK McCAFFERTY & McKEEVER By: JOSEPH A. GoLDBECK, JR. ATTORNEY I.D. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER. 701 Mi\RKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY S/BIM TO KEYSTONE FINANCIAL BANK, N.A. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff CIVIL ACTION - LAW YS. ACTION OF MORTGAGE FORECLOSURE ROSEMARY E. GRANT Mortgagor(s) and Real Owner(s) Defendant(s) Term No. DI.{- Zll3 Ct"ui.L~ CIVIL. ACTION: MORTGAGE FOR~OLOIU~e 338 & 342 Walton Street Lemoyne, PA 17043 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the 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 claim in the Complaint offor 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 00 NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIA nON 2 Liberty Avenue Carlisle, PA 17013 A..Yl.S.Q LE HAN DEMANDAOOA USTED EN LA CORTE. 51 DESEA DEFENDERSE CONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIO QUE USTED RESpONOA OENTRO DE 20 DIAS DESPUES DE SER SERVI[X) CON ESTA DEMANDA Y A VISO. PARA OEFENDERSE ES NECESSARIO QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRIT A, EL PUNTO DE VISTA DE USTED Y CUALQUIER OBJECCION CONTRA LAS QUEJAS EN EST A DEMANDA. RECUERDE; SI USTED NO REPONDE A ESTA DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU PARTICIPACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERIRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE EST A DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DlNERO, PROPIEDAD U OYROS DERECHOS IMPORTANTES. USTED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGAOO. VA Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEUIR UN ABOGADO. SI USTED NO PUEDE P AGARLE A UN ABOGADO, EST A OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUClDO 0 GRATIS. LEGAL SERVICES INC 8 Irvine Row Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIA nON 2 Liberty Avenue Carlisle,PA 17013 COMPLAINT IN MORTGAGE FORECLOSURE I. Plaintiff is MANUFACTURERS & TRADERS TRUST COMPANY SIB/M TO KEYSTONE FINANCIAL BANK, N.A., PO Box 840, Buffalo, NY 14240-0840. 2. The name(s) and addressees) ofthe Defendant(s) is/are ROSEMARY E. GRANT, 338 & 342 Walton Street, Lemoyne, PA 17043, who is/are the mortgagor(s) and real owner(s) of the mortgaged premises hereinafter described. 3. On June 23, 1993 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to FARMERS TRUST COMPANY, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book: 1117 Page: 122. The mortgage has not been assigned unless said assignment to the Plaintiff is hereafter mentioned. The aforementioned mortgage was assigned to: MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. by Assignment of Mortgage which Assignment is lodged for recording; and these documents are matters of public record and are incorporated herein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g). 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payment of principal and interest upon said mortgage due December 29, 2003, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the entire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 11/29/2003 through 05/31/2004 at 4.6590% Per Diem interest rate at $4.28 Attorney's Fee at 5.0% of Principal Balance Late Charges from 12/29/2003 to 05/31/2004 Monthly late charge amount at $33.97 Costs of suit and Title Search $33,592.60 $791.80 $1,679.63 $1,104.93 Escrow Debit Corporate Advance $900.00 $38,068.96 + $6,354.87 +$200.00 $44,623.83 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriff's Sale. If the Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will be charged based on work actually performed. 8. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendant( s) by Certified and regular mail, as required by Act 160 of 1998 of the ,Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "A". The Defendant(s) haslhave not had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant(s) through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure in the sum of $44,623.83, together with interest at the rate of $4.28, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. By: ~ ~ ~~-at BEC1k McCAFFERTY & McKEEVER JOSEPH A. GOLDBECK, JR., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, Diana M. Robinson, Assistant Vice President, as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date: :;;-/7 -0 '7 AflL Diana M. Robinson, Assistant Vice President M&T MORTGAGE COMPANY ,"rRACT NO ~ 1: cn~ c;~X1- TIIA'I' CEIl'1'AIK piece \or p....c.,l of lAnd ai-blat. in tl\e BoI'CN9l\ of L~V'n., COlolntV of CUIlIbe.rlano and 5~.tB' of P.nn.ylY,~lnl." ))ol.lntk4 and d...cl'.iJ.lled ... Col10....., t.o ",itr aecINMING at A ~oint on the aouthern'.i~ of Wolton S~r..t thr.. h~C\U.d thJ..rtr....""'.n and eJ.9ht c.enth. (JJ7.U teet ',...Ulred. 1n .. wD.c..~l~ di.tec:t.J,on fro.. llQ.allOY.~. St.~..t. ('l'h.J.rc1 5tl..~" thence .OUC"'HU~d1y .1Oft. . lJ.n. ,.C'allel wIth aa..-.oynt 5tr..C cwo !lunu.d (2001 C..to to &It "on pL", u..,nc:. ._tv.r4ty alon., l....d now or 100.1:'11 of CUr 1.. 't.l'.yeZ' parallel wit" }Ialton street .ixtr "OJ te.' C;o an i.-on p1n, t.tWU\"" nQrcn,,"cUy .Lon9 :sa1d Cu~ I.. Se..C'.~r'. lAAd t.wo hl,lftcll'.e6 (2QO) , teet to .an. 1t'9,'1 p.Ln on ehe .ao.at..he.E'n aide of NaIto" Street, tb.nc.. > ,c4t:tW&rdJ,f' ..lah9 ~hoI .ol.lt.hern 11". ot W.lton Street .ixty UO' teeC; 'Co . pc)1n~ the Pl~Qe of Bo~~nn!n9. HAVING u..er.on erected & dwell.1ng known ud numbered ~I. J38 ~lton Street. Lemoyne, Pehn.vlv.ni~. BErNG the same premi$es which Ruth H. McCracKen, Wictow, by deed dated 9/19/88 and recorded in the CUmberland Countr Recorder's o{fiee in Doed 800k 33-Q. page 157, granted and conveyea unto ROsellt.4ry E. 'Grant, the Mortgago~ herein. TRACT NO.2: ALL TIIAT CERTAtN' piQc~ or pucc1 of l".qd aitudt.d t,q th. Bor(lvgh 01 LeIllQ)'l1e. County or eu.~erl~nd ...nd St.ate l)f l'el\nl5ylv6n.!iI. ,nor. p.rc(cular1y bounded "nd descrtbed ... followa~ to wier DtCINNINC <'It . point on lh. louth~'C'h' Unll of W',dton. Street at the- I n[C'uec:tlon 1)( ..hi Un. of lAndl now 0[' forMrly of John Mc:F...d~e/1.1 ch.nc:. in II aoUthnly' lIt.rflcct.lm IlloTla landA now'or (or.-ely of John HcFAdden, 400.0 fe~t to _ point on th( Itn4 of l~nd.-no~ or .formcrly o-f lIeni 1I.1MOn; thence in ,\1\ 'asted)! dinetion .lo~a IllInds nOVQr for~rly of Han5 H4nllon .no patal\el ~,th W.l~Qn Stt..~ 100.0 {c~t t, ~n 1~on plflJ thl!'"ce i" oil nOt't.h."tly direccto.... alo~8 othtr. hrtds noW' 01' Cormerl)' a-' sdd Hal1J lI_nl"n and land, now or (or~rly at Brunner 2DO.O EGet to a pain~j thence tn _ westerly direction ..Ions oil Una para.llet with Walton Strut .;nB .10n& brUl. n",,, 01' fOI:rr.rerll' ot Fred Po. and ochQr 1.nds, nor ar (or~ttJ of A\~ E. Stray.... ~n4 CU1 ~I Strayer. an4 lon(lll no".ol' fQnnerly of Hart._ E. Sr....yet, n~o.o feel: r.. 4 po:Lnt; l;heBC_ 1" .. n"ttherly CUret;[loft .loftS 1.lu~1 now or IotlllOr11' of HIltie E. Strayer :!OO.o re-u co " point on tr.(!" lIollthel;'ly Uno of V_lton Str-eeq the ace alana WOllton Sl;.....t in .. -veil'tet'ly ~lr.ct'on 20.0 fout to 4 point, tbe placo ot BECINNINC. IiAvINt TIIEl(eOIll ERECTED a .lnth 1; Itory (Gape cod) 4welUng hOUfoe \(-IQlrM .and nutllbn.d as 342 Walt~~ Streae, L~~oynet Penn.y1vania. UNDER ~n_SUBJECr. ~eve~~heles>>, to ~.~ement5. ra&tr(ctlon~. re~erv4:ton.1 condttlgnh 4nd t1ghta Qf way of reCGrd. BEING the $~ premiseS wnieh Nath~!i. G. Sato, single perscn, by deed dated 4/22/83 and recorded in tho Cumberland County Reaorder's aftics in Deed eoak JO-E, page elf granted and conv.yed unto,Rosemary E. Gllnt, the Mortgagor herein. EXflIBt'J' "A'" 111" 19.... bDDK " ( ;.\1:' r} .... f' f' '\.,""" "- , MAY.18.20043:37PM NO. 0740 P. 2/8 '-" rl:1 M&rMortgage Corporation A&bsidloryolM.<T"""k v .Ap:dl 07, 2004 Rosemary E Grant 342 Walton St Lemoyne, PA 17043 !~~I~s~!rA Grant RE: Homeowner's Property Address: Loan Acct. No. : Curent Lender! Servicer: 342 Walton St t..emoyne PA 17043 0009794322 M&T Mortgage Corporation HOMEO~R'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOlJR. HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE MOR"rGAGE PAYMENTS IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "AC't"), YOU MAY BE ELIGIBILE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND * IF yOU MEET OTHER ELIG!B!LITY REQUIREMENTS ESTABLISHED By THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay ot toreclosure on your mortgage for thirty (30) days form the date ot this Notice. During this time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN 'tHE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PAAT OF THIS NOTICE CALLSn "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTGAGE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES ~. If you meet with one of the consumer credit counsel~ng agenices listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date ot this meeting. The names, addresses and telephone numbers of designated consumer credit counseling agencies for the country in which the property is located are set forth at the end of this Notice. It is only necessary to schedule one face-to-face meeting. Advise your lender immediately of your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Your mortgage is in default for the reasons set forth later in this Notice (see follow~ng pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, 18007241633 . Cotf'QSpondence-P.O. Bo< 640, Buffalo, NY 14240-0840 . Psyments- P.O. Box 444, Buffalo, NY 14240-0444 Morlgago account information, iUQt a click swey. www.mandtmorlgag..com MAY. 18.2004 3: 37PM NO. 0740 P. 3/8 '. '-" m M&I'Mortgage Corporation AS>.i;osldIatYOIM&TBank '-..,../' 'you have the right to apply for financial assistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sign and file a completed Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. only consumer credit counseling agencies have applications for the program and they will assist you in submitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION POMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME pERIODS SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME !MMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE DENIED. AGENCY ACTION -- Available funds for emergency mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE Ct.IRRENTLY PROTECTED BY THE Frr..rNG OF A !>ETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date). NATURE OF THE DEFAULT-- The MORTGAGE debt held by the above lender on your property located at: 342 Walton St Lemoyne PA 17043 is SERIOUSLY IN DEFAULT because: XOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Regular monthly payments of $ 679.49 for the months of 12-29-03 through today's date. Other charges: Accrued late charges:$ 1070.96 Accrued other fees: $ 210.00 TOTAL AMOUNT PAST DUE: $ S9U.5B CL 950 1 6007241633 . COtrespondence - P,O. 80x 6.uJ. 8uffalo. NY 14i<40-o640 . Payments - P.O, 80>: 444. Suffalo, NY 14.240.0444 Morlgage account Wormatlon. jUgt a click away. www.mancilrnorlgage.com MAY. 18.2004 3:37PM NO. 0740 P. 4/8 " '-.,/ r:! M&rMortgage Corporation A SubsidlaryolM&TBanI< 'V .HOW TO CURE THE DEFAULT, -- You may cure the default within THIRTY (30) DAYS of the date of this notice BY PA~ING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ S91~.58, PLUS ANY MORTGAGE PAYMENTS ANlJ LATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made by cash, cashier's check, certified check or money order ~ade payable and sent to: M&T Mortgage Corporation One Fountain Plaza/7th Floor Attn: Payment Processing Buffalo, NY 14203 You can cure any other default by taking the following action within THIRTY (30) Days of the date of this letter: IF YOU DO MOT CURE THE DEFAULT If you do not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt, considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclosure upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED OPON -- The mortgaged property will be sold by the Sheriff to payoff the mort sage debt. If the lender refers your case to its attorneys, out you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorner's fees that were actually. incurred, up to $50.00. However, if egal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's fees will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDBR REMEDIES -- The lender may also sue your personally for the unpaid pr~ncipal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE -- If you have not cured the default within the THIRTY (30) DAY period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's Sale. You may do so by paying the total amount then past due, plus any late or other charges then duel reasonable attorney's fees and costs connected with the foreclosure sale and other costs connected with the Sheriff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to the same position as if you had never defaulted. 1 aoo 724 1633 . CorrespondofICQ - p,O, 9.:>. B4O. Buffalo, NY 14240-0840 . Payments- P,O, 80.444. Eluffalo, NY 1424O.Q444 MOrtga(Je acx:ount information, just a click away. www.mandtmongage.com MAY. 18.2004 3: 37PM NO. 0740 P. 5/8 "--' ~ M&fMortgage Corporation AS",skJla<yolM<t8ank "..j 'EARLIBST ~OSSIBLB SHERIFF'S SALE DATB It is estimated that the earliest date that such a Sheriff's Sale of the mortgaged property could be held would be approximately 10 months from the date of this Notice. A notice of the actual date of the Sheriff's Sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time e~actly what the required payment or action will be contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: M&T Mortgage Corporation Address: P.O. Box 840 Buffalo, NY 14240 Phone Number: 600-724-1633 EFFECT OF SHERIFF'S SALE -- You should realize that a Sheiff's Sale will end your ownerShip of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE - - You mayor XX may not sell or transfer your home to a-UUYer or transferee who will assume the mortgage debt, provided that all the outstanding payments, charges and attorney's fees and costs are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROW MONEY FROM ANOTHER LEND1NG INSTITUTION TO PAY OFF THIS DEBT. * TO RAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, * TO HAVE THE MORTGAGE RESTORED TO THE SAME POS1TION AS IF NO DEFAULT HAD OCCURED, IF YOU CURB THE DBFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR..) * TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE ~ROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNPER THE MORTGAGE DOCUMENTS, * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE 'YOU MAY HAVE TO SUCH ACTION BY THE LENDER. * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, CL 955 Kevin Kernitz Bnc: 41 1 6007241633 . COfT6Spond/lllCe - ~.O. Sox 840, Sulfa/D, NY 14240-0640 . Psyments- P,O. Box 444, Buffalo, NY 14240-0444 Mortpsue account information. just a clIck away. www.mandtmortgaga.com MAV.18.2004 3:38PM NO. 0740 P. 6/8 '-' '--../ ; " Date: April 7, 2004 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE This is an official notice that the mortel1l!e on your home is in default, an.d the lender . ' ,intends to foreclose. Specific information about the nature of the default is provided in the attached pages. . The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (HEMAP) m.av be able to helD to save vour home. This Notice explains how the program. works. To see if HE.MAP can helD. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHlN 30 DAYS OF THE DATE OF TInS NOTICE. Take this Notice with YOU when vou meet with th..e Counseline Al!eDcv. The name. address and phone number of Consumer Credit CounseDnl!: Al!'encies servin!! your Coun!y are listed at the end of this Notice. If YOU have any Questions. you may call the Pennsylvania Housin!! Finance Aeencv toll free at 1-800-342.~397.(Persons with Impaired hearing: can caU (717) 78Q:.1869), This Notice contains important legal information. If yon have any questions, representatives at the Consumer Credit Counseling Agency may be able to help explain it. You may also want to contact an attorney in your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (pENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PUEDES SER ELEGmLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO ''HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SALVAR SU CASA DE LA PERDlDA DEL DERECHO A REDIMIR SU HIPOTECA. MAY. 18. 2004 3: 38PM NO. 0740 P. 7/8 . v v fJ-t( ~ . '. CUMBERLAND COUNTY HEMAP Counseling Agency List as of 4/28/2003 Adams County Housing Authority 139-143 Carlisle St. Gettysburg, PA 17325 (117)334-1518 cces of Western PA 2000 Linglestown Road Harrisburg, PA 17102 (717) 541.1757 Community Action Commission of Captlal Region 1514 Derry Sb'eet Harrisburg, PA 17104 (717) 232-9757 Loveshlp, Inc. 2320 North 5th Street Harrisburg, P A 17110 (717) 232.2201 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717) 762-3285 PHFA 2101 North Front Street Harrisburg, PA 17110 800-342.2397 IIrban League of Metropolitan Hbg 2101 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 rl -0 =" r'\ Cl fT1 ..Jl ru "" ='" .., 1T' rl Cl IT'" fT1 o ...0 rl .... Postage $ Certir...; Fee Raturn Receipt Fee (IindOJ1iem<<l1 R84llltlldj Postmark Restricted D9livery Fee Hot. (EodOfUfT\8l"1\ Rf:~uked.) Total Pomge 8< F.... $ Sent To: ,/P.tX:i!.-f)/){M'tj t;, 6 r(}.;l..:b (342.. !AI rLL -tlfYI- 5:t . L&hCf:JV1e.. I Prt 1'70-13-2020 PS Fo,(\'I 3$00, September 2002 US Po...' ServICe Certified Mail Receipt :i Pf:- ~ ~ o -- ~ ~ (j' ~ (f), CI) CI"\ o ~ ft fJ- t.. () 0- ~ - (J " c (> c-:- -<; ....., c'") ~~ ~, _.'F" .,''''' ~."" -' n.~ i4~ ~~ . -nl~~ :flY !':-J,f:) -,-' -ri .. -n (.:: ?:) ~~('l ',^ N "'- ""'"t1 -". Co) ,~) OJ SHERIFF'S RETURN - REGULAR CASE NO: 2004-02333 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MANUFACTURERS & TRADERS TRUST VS GRANT ROSEMARY E BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE GRANT ROSEMARY E was served upon the , at 1829:00 HOURS, on the 26th day of May 2004 DEFENDANT at 342 WALTON STREET LEMOYNE, PA 17043 ROSEMARY GRANT by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 11.04 .00 10.00 .00 39.04 Sworn and Subscribed to before me this 1M day of * OJ4Ji A.D. (1.. Q~ ~~~thonotary /~ So Answers: ~~ .r 1" ~ R. Thomas Kline OS/27/2004 GOLDBECK MCCAFFERTY MCKEEVER 11 By: '~ltt ~ Deputy Sheriff GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 Attorney for Plaintiff MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N,A. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS Plaintiff OF CUMERLAND COUNTY vs. CIVIL ACTION - LAW ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s)) 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant( s) No, 04-2333 PRAECIPE FOR VOLUNTARY SUBSTITUTION OF PLAINTIFF UNDER Pa.R.C.P. 2352 TO THE PROTHONOTARY: Kindly file of record the Praecipe of MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. S/B/M FARMERS TRUST CO. for Voluntary Substitution under Pa,R.C.P, 2352 and attached Statement of Material Facts in Support of Voluntary Substitution, Verification, Certification of Service and Entry of Appearance. The address for the Plaintiff is PO Box 840, Buffalo, NY 14240. 0840. ~ ECK, JR., ESQUIRE GOLDBECK McCAFFERTY & McKEEVER BY, Joseph A. Goldbeck, Jr. Attorney LD. #16132 Suite 5000 - Mellon Independence Center 70 I Market Street Philadelphia, PA 19106 215-627-1322 Attorne for Plaintiff MANUFACTURERS & TRADERS TRUST COMPANY SIB/M TO KEYSTONE FINANCIAL BANK, N.A. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY vs, CML ACTION - LAW ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s)) 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant( s) No, 04.2333 STATEMENT OF MATERIAL FACTS IN SUPPORT OF VOLUNTARY SUBSITTUTION UNDER Pa.R.C.P.2352 MANUFACTURERS & TRADERS TRUST COMPANY SIB/M TO KEYSTONE FINANCIAL BANK, N,A. SIB/M FARMERS TRUST CO., by counsel, hereby voluntarily substitutes itself as Plaintiff in the above- captioned matter and in support thereof represents as follows: 1. The above.captioned action is one in mortgage foreclosure regarding the premises as noted in the caption. 2. The subject of the above-captioned action is a fIrst mortgage on said premises recorded at Mortgage Book, Page in the Office ofthe Recorder of Deeds for this County. 3. The original Plaintiff is MANUFACTURERS & TRADERS TRUST COMPANY SIB/M TO KEYSTONE FINANCIAL BANK, N.A.. 4, MANUFACTURERS & TRADERS TRUST COMPANY SIB/M TO KEYSTONE FINANCIAL BANK, N.A. SIB/M FARMERS TRUST CO. is the successor in interest to the Plaintiff by Assignment lodged for recording in the Office of the Department of Records and is hereby voluntarily substituted as Plaintiff in the above- captioned matter. Respectfully submil1ed, LLL . GOLDBECK, JR.~ ESQUIRE GOLDBECK McCAFFERTY & McKEEVER By: JOSEPH A. GOLDBECK, JR. ATTORNEY I.D. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY S/BfM TO KEYSTONE FINANCIAL BANK, N.A. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff CIVIL ACTION - LAW Ys. ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s)) ACTION OF MORTGAGE FORECLOSURE 338 & 342 Walton Street Lemoyne, PAl 7043 Term No. 04-2333 Defendant( s) CERTIFICATE OF SERVICI, Joseph A. Goldbeck, Jr" Esquire, hereby certifies that he did serve true and correct copies of Praecipe for Voluntary Substitution and all supporting papers attached hereto upon Defendant, by first class mail, postage pre. paid, on June 11,2004. ~~!~ GOLDBECK McCAFFERTY & McKEEVER By: JOSEPH A. GOLDBECK, JR. ATTORNEY LD. #16132 SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 (215) 627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW VS. ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s)) ACTION OF MORTGAGE FORECLOSURE 338 & 342 Walton Street Lemoyne, P A 17043 Term No. 04-2333 Defendant(s} ENTRY OF APPEARAl'!CE TO THE PROTHONOTARY: Kindly enter my appearance on behalf ofMANUF ACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. S/B/M FARMERS TRUST CO" Plaintiff by voluntary substitution. ~~ u4 ...., c:') (:.;;;;) "'- L C~~ ;;,;L o ..." :r!-., n1-. .-- :g6rn o ~c. 0~~ ,..-< '!Jj -< en I);> C:J ~O MANUFACTURERS & TRADERS TRUST : IN THE COURT OF COMMON PLEAS OF COMPANY, s/b/m to KEYSTONE : CUMBERLAND COUNTY, PENNSYLVANIA FINANCIAL BANK, N.A. POBox 840 Buffalo, NY 14240-0840 Plaintiff v, No, 04-2333 CIVIL ACTION-LAW ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s) 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant ANSWER Defendant, ROSEMARY E. GRANT, (hereinafter referred to as the "Defendant"), through her attorneys, MILLER & ASSOCIATES, PC, answers the Complaint of Plaintiff, MANUFACTURERS & TRADERS TRUST COMPANY, s/b/m to KEYSTONE FINANCIAL BANK, NA (hereinafter referred to as the "Plaintiff'), as follows: l jJjJ) 2,~ >,~~6~~7/~ _I ~~~. /)c~~i~ t~~7~ A--Yt-~~ ~'yf. C 1k~-JN~Jtrd L/, /lkJLI S. ~~k )t,Jlk~ {{&J.) ~~;t.- ~-!~ ~41 ~r-J~~.Jt;::J b. fk,.:dJ, ~ J ~ 71~~ ~~~~1~ ~~ri~VJ~, l~.~~J~~ ~6VVf~!~~ an)~~JhJ) / p,,~/~~~~~~~ /~~ :t:~::::;;::./~~~- ~~ ~ ~ ~- .-rJi1~, ,- WHEREFORE, defendant requests this Honorable Court dismiss Plaintiff's Complaint against it, and enter judgement in its favor, including reasonable attorneys' fees and costs of suit, and any further relief this Court deems fair and just. Dated: 6> f2J1~ ~ -------=- ----- -==:; William E. Miller, Jr., Esquire MILLER & ASSOCIATES 1822 Market Street Camp Hill, PA 1'7011 (717) 737-9211 (717) 737-9215 ID No, 07220 -2- VERI FICA liON The undersigned, WilLIAM E. MillER, JR., ESQUIRE, hereby verifies and states that: 1. He represents ROSEMARY E. GRANT, Defendant herein; 2. He is authorized to make this Verification on her behalf; 3. The Facts set forth in the foregoing Answer are true and correct to the best of my knowledge or information and belief. 4. He is aware that false statements herein arEl made subject to the penal- ties of 18 Pa. C.S. 94904, relating to unsworn falsification to authorities. Dated: 6~/o Y ~ WilLIAM E. MillER, JR., ES E j-;- ~ p . c --j ""c:. . r-.> C~ C:.;J ..<- <- c: ,.",:: o .n ..... ~ nl :!J r- -0 rn :,("J C)~I --l' , ~~~ c'-i;-n _:.:-\ ;>;"".J -'- , r'~) (.n :;~ x;- . , > GOLDBECK McCAFFERTY & McKEEVER BY: LISA A. D'ANGELI, ESQUIRE Attorney 1.D. #78020 Suite 5000 - Mellon Independence Center 701 S. Market Street Philadelphia, PA 19106 215-627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. SI8IM FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY VS. Term No. 04-2333 ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, PAl 7043 ORDER AND NOW, this day of 2004, upon consideration of Plain tift's Motion for Summary Judgment and Defendant's Response, if any, it is ORDERED and DECREED that Plaintiffs Motion is GRANTED; and that Summary Judgment in mortgage foreclosure is hereby granted in favor of Plaintiff with damages assessed in the amount of $44,623.83, together with interest from June 1,2004, to the date of Sheriff s Sale at the rate of $4.28 per day, and for foreclosure and sale of the mortgaged premises. BY THE COURT: J. A . GOLDBECK McCAFFERTY & McKEEVER BY: LISA A. D' ANGELI, ESQUIRE Attorney I.D. #78020 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. SI8IM FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY vs. ROSEMARY E. GRANT Mortgagor and Record Owner Term No. 04-2333 338 & 342 Walton Street Lemoyne, P A 17043 PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT AND NOW, this Plaintiff moves this Court for Summary Judgment in accordance with Pennsylvania Rule of Civil Procedure No. 1035.1 et seq. for the following reasons: I. Plaintiff is MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. S/B/M FARMERS TRUST CO. (hereinafter "Plaintiff"). 2. Defendant is ROSEMARY E. GRANT (hereinafter "Defendant"). 3. Plaintiff filed its Complaint in mortgage foreclosure on May 24, 2004. A true and correct copy of the Complaint is attached hereto as Exhibit A. 4. Defendant filed and Answer on or about June 25, 2004, which does not raise any issue of material fact. True and correct copy of the Answer is attached hereto as Exhibit B. . 5. Plaintiff has attached an Affidavit to the instant Motion that avers all facts necessary to prove a prima facie case in mortgage foreclosure and that corroborates the facts as plead in Plaintiffs Complaint. See Plaintiff's attached Affidavit and Memorandum of Law. WHEREFORE, Plaintiff moves for Summary Judgment in its favor. Respectfully submitted, ~'ESQUlltE GOLDBECK McCAFFERTY & McKEEVER BY: Lisa A. D' Angeli, Esquire Attorney I.D.#78020 Suite 5000 -Mellon Independence Center 701 S. Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. S18/M FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS vs. OF Cumberland COUNTY ROSEMARY E. GRANT Mortgagor and Record Owner Term No. 04-2333 338 & 342 Walton Street Lemoyne, P A 17043 AFFIDAVIT IN SUPPORT OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT \)lfW<'l Rcb'>.\Sd/V , being duly sworn according to law, deposes and says: t:Ws:d,,).Il 1. 1 am the Ass 1$tfl^)HliU \I " for and representative of Plaintiff. I am authorized to make and do make this affidavit on behalf of Plaintiff; and that tile facts set forth in the foregoing Motion for Summary Judgment are true and correct to the best of my knowledge, information and belief. , 2. I have personal knowledge of the matters referr,ed to in Plaintiff's Motion and as set forth below, I make this affidavit in support of Plaintiff's Motion for Summary Judgment, that the facts set forth below are admissible in evidence and 1 am competent to testifY to the matters stated herein. 3. The Defendant, ROSEMARY E. GRANT, 338 &0 342 Walton Street, Lemoyne, P A 17043 , made, executed and delivered a Mortgage upon the premises, 338 & 342 Walton Street, Lemoyne, PA 17043, on June 23,1993 to FARMERS TRUST COMPANY. 4. The mortgage is held by Plaintiff. The mortgag'~ was assigned to MANUFACTURERES & TRADERS TRUST COMPANY S18./M TO KEYSTONE FIANCIAL BANK N.A. which Assignment is lodged for recording; and these documents are matters of public record and are incorporated herein by reference in accordlillce with Pennsylvania Rule of Civil Procedure 10 19(9). 5. The Mortgage is in default because monthly payments of principal and interest due December 29, 2003 and each month thereafter are due and unpaid. At no time from December 29,2003 to the present has the Defendant tendered the amount of payments required to bring the Mortgage current and I have at all times been willing to accept same. 6. Notice of Intention to Foreclose and a Notice ofHomt:owners' Emergency Mortgage Assistance has been sent to Defendant by Certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice is attached hereto as Exhibit "A". The Defendant has not had the required face-to- face meeting within the required time and Plaintiff has no knowi<:dge of any such meeting being requested by the Defendant through the Plaintiff, the Pennsylvania Housing Finance Agency, or .- any appropriate Consumer Credit Counseling Agency. 7. The amounts due and owing on the mortgage in question as of the filing of the Complaint are as follows: Principal Balance Interest from 11/29/2003 through 05/31/2004 at 4.6590% Per Diem interest rate at $4.28 Attorney's Fee at 5.0% of Principal Balance Late Charges from 12/29/2003 to 05/31/2004 Monthly late charge amount at $33.97 Costs of suit and Title Search $33,592.60 $791.80 $1,679.63 $1,104.93 Escrow Balance (Deficit) $900.00 $38,068.96 $6,554.87 $44,623.83 I hereby verifY that any exhibits attached hereto are true lmd correct copies of the originals and I declare all of the foregoing to be true and correct. SWORN TO AND SUBSCRIBED: I day: /' /7 / c._ ~ /...!/,~ blAt-.if\ \2oio\~:sa"-l , {)S.Sls-I fl~.\0\(~..\S Q( E.S\d.lt.~-\ of CLARKE FULKERSON 01FU6071415 Notary Public, s.... 0/ - Y':SjJ f QuafllIod;"e..~~_. / MyCommIssJon~-'~ 't:OIo GOLDBECK McCAFFERTY & McKEEVER' BY: LISA A. D'ANGELI, ESQUIRE Attorney 1.D. #78020 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. SI8IM FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY vs. Term No. 04-2333 ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, PA 17043 PLAINTIFF'S MEMORANDUM OF LAW IN SUPPORT OF MOTION FOR SUMMARY JlUDGMENT I. PROCEDURAL HISTORY This is an Action of Mortgage Foreclosure brought agailllSt the Defendants who are the Mortgagors and Real Owners of the real property located at)38 & 342 Walton Street, Lemoyne, PA 17043 ("Property"). Plaintiff filed a Complaint and Defendant filed an Answer. Plaintiff has now moved for Summary Judgment and this memorandum is offered in support of Plaintiff's Motion. This memorandum is offered in support of the Motion. II. LEGAL ARGUMENT Summary judgment is govemed by Pa.R.C.P. 1035.1 ~et. ~, Pa.R.C.P. 1035.2 provides that "After the relevant pleadings are closed, but within such time as not to unreasonably delay trial, any party may move for summary judgment.... " Summary judgment is appropriate to be entered: (1) whenever there is no genuine issue of any material fact as to a necessary element of the cause of action or defense..." Pa.R.C.P. 1035.2(1). Pa.R.C.P. No. 1141 notes that the foregoing assumpsit rule shall apply to Actions of Mortgage Foreclosure. Pa.R.C.P. 1035.2(2) requires the party who opposes the motion to provide the Court, in response to the motion, with "...evidence of facts essential to the. . . defense which, in a jury trial, would require the issues to be submitted to a jury." Specifically, Pa.R.C.P. 1035.3 states, in pertinent part: (a) The adverse party may not rest upon the mere allegations or deuials of the pleadings but must file a response within thirty days after service of the motion identifying (I) one or more issues of fact arising from evidence in tne record controverting the evidence cited in support of the motion or from a challenge to the credibility of one or more witnesses testifying in support of the motion... Plaintiff has included an affidavit in support of its Motion for Summary Judgment, pursuant to Pa. R. C. P. 1035.4, which states in relevant part: Supporting and opposing affidavits shall be made on personal knowledge, shall set forth such facts as would be admissible in evidence, and shall show affirmatively that the signer is competent to testify to the matters stated therein. Verified or certified copies of all papers or parts thereof ref<::rred to in an affidavit shall be attached thereto or served th(:rewith. The court may permit affidavits to be supplemented or opposed by depositions, answers to interrogatories, or further affidavits. The only issue before the Court is whether Defendant's Answer raises any legal or factual issue, which provides a basis for denying Plaintiff its request for summary judgment. Plaintiff respectfully suggests it does not. Defendant admits paragraphs 1, 2, 4 and 3 in part of the Complaint, specifically the identities of the parties, the making, execution, and delivery of the mortgage in question of the Property. In paragraph 3 of the Answer, Defendants deny for lack of knowledge the assignment of the mortgage. The execution and non-assignment of the mortgage, the recording information and the legal description of the Property are matters of public record Ilnd may not be denied for lack of knowledge. See. Goodrich vs. Amram 2d. Section 1029(c):1 ato.p. 279-80. Accordingly, said lack of knowledge denials constitute admissions. Moreover, there is absolutely no requirement that a mortgage document be attached to the Complaint. See, Pa.R.C.P. 1019(g). Paragraphs 5 and 6 of the Complaint contain the specifil; averments of default and amounts due and owing upon the mortgage required to be averred in ac:tions of mortgage foreclosure as set forth in Pa.R.C.P. No. 1147(4) and (5). Defendants answer these specific averments by invoking general denials under Pennsylvania Rule of Civil Procedure 1029. The lack of specific, detailed response to Plaintiffs specific averments of defaults constitutes an admission of the default and amounts due and owing upon the mortgage. See. New York Guardian Mortgagee COfOOration vs. Dietzel. 362 Pa. Super 426,524 A2d 951 (Pa. Super 1987). Thus, while Defendants default is a legal conclusion, Plaintiff respectfully suggests this honorable Court should conclude, based upon the deemed admissions of the Defendant and the verified facts of Plaintiff in its affidavit in support of its Motion" that Plaintiff is entitled to summary judgment. Defendant, contrary to her unsupported allegation in paragraph 5 of her response, has never offered the total amount necessary to reinstate the mortgage. Plaintiff would gladly accept full reinstatement under the mortgage, as it is likely to suffer a loss if this litigation continues. Moreover, as this is a conventional loan, Plaintiff is under no lc:gal duty to accept less than the full arrears unless settlement negotiations led to a new contract. Once the entire loan is accelerated, partial payments cannot cure the default. The Ministers and Missionaries Benefit Board. etc. vs. Goldsworthv. 385 A2d 358 (Pa. Super. 1977). Defendants general denials regarding/allegations that tht: damages are incorrectly calculated is not a basis to deny Plaintiff judgment as a matter of law. Default in an action of mortgage foreclosure is an absolute. Once default under the terms of the mortgage has been established, the court must enter judgment in favor of the holder of the mortgage. The question of accounting is saved for another day, specifically, after a Sheriffs Sale of tht: Property. The Supreme Court of Pennsylvania held in Landau vs. Westem Pennsvlvania Nationall Bank, 445 Pa. 217, 282 A.2d. 335 (1971): The mortgagors are unquestionably entitled to an accounting, but that accounting is not due until the property is sold at Sheriffs Sale and distribution of the proceeds is made. Judgment in mortgage foreclosure action must be entered for a sum certain or no execution could ever issue on it. 445 Pa. at 226, 282 Ad. at 335. This Supreme Court decision directs a court to enter summary judgment in favor of the p1aintift7mortgagee where the defendant/mortgagor admits the default upon the mortgage. Landau vs. W. Pa. Nat. Bank. 455, Pa. 217, 255-266, 282 A. 2d 335, 340 (1971). Pennsylvania Courts have long and repeatedly upheld the reasonableness and enforceability of a request in an action of mortgage foreclosure for attorne)~s fees equal to 5% of the principal balance of the mortgage as demanded in Plaintiff's Complaint at paragraphs 6 and 7. Robinson vs. Loomis. 51 Pa. 78 (1865); Galligan vs. Heath. 260 Pa. 457 (1919); Foulke vs. Hatfield Fair Grounds Bazaar. Inc.. 196 Pa. Super Ct, 155 (1961); First Federal S&L Assn. vs. Street Road Shopving Center, 68 D & C 2d 751, 75 (Bucks County) (1974). Moreover, as further explained in Paragraph 7 of Plaintiff's Complaint, the attorney's fees demanded in Paragraph 6 of Plaintiff's Complaint would only be collected in the event of a third party purchaser at Sheriff's Sale. Defendant continues to have the option of paying all arrears and costs up to one hour before the Sheriff's Sale in conformity wiith the provisions of Act 6 in which case attorney's fees will be assessed based on work actually performed. See. Pennsylvania Act 6 of 1974,41 P.S. Section 401 et. seo. Defendant moves on to deny paragraph 8 of the Complaint by stating she has insufficient knowledge the required Act 91 notices were received. This denial is insufficient, as Plaintiff did not aver that Defendant receives the Act 91 notice. Plaintiff complied with Act 91, averred that fact in its Complaint, verified that fact under penalty of peIjury on two occasions and attached copies of the Act 91 Notice to its Complaint. The required Act 91 Notice was sent by Plaintiff on April 7, 2004 (See, Exhibit A of Complaint). The law only requires that Ithe Act 91 Notice be sent and not necessarily received. See, 35 P.S. 1680.403(c)(a). II. CONCLUSION All material averments of the within motion are verified in the attached signed and sworn affidavit pursuant to PaR.c.p. No. 1035. Defendant cannot simply rely upon the averments of the Answer to raise an issue of fact. Phaff vs. Gardner. 45]1 Pa. 146, 303 A2d 352 (1973). Accordingly, Defendants answer admits all material facts, ther,e are no issues of material fact and the Court should grant Plaintiff's Motion for Summary Judgment. WHEREFORE, Plaintiff respectfully requests that this Honorable Court enter judgment in its favor and against Defendant as prayed for in Plaintiffs Complaint. Respectfully submitted, CK MCCAFFERTY & MCKEEVER BY: " / LISA A. D'ANGELI,'ESQUIRE . . . GOLDBECK McCAFFERTY & McKEEVER BY: LISA A. D' ANGELI, ESQUIRE Attorney 1.D. #78020 Suite 5000 - Mellon Independence Center 701 S. Market Street Philadelphia, PA 19106 215-627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. SI8IM FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY vs. Term No. 04-2333 ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, PAl 7043 EXHIBIT LIST A. Complaint B. Answer C. Mortgage GOLDBECK MCCAFFERTY & MCKEEVER A PROFESSIONAL CORPORATION ,.. ". '. . E~){HIBIT "4" . . . . GOLDBECK McCAFFERTY & McKEEVER By: JOSEPH A. GOLDBECK, J~.'-J:aRN E~ HF.-R ATTORNEY I.D. #16132' .: EBY CERTIFY THAT THIS IS SUITE 5000 - MELLON mr:A NC C A. TF/uE AND CORRECT COpy OF 701 MARKET STREET py THE ORIGINAL FILED PHILADELPHIA,PA 19106 CO (215) 627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff CIVIL ACTION - LAW VS. ACTION OF MORTGAGE FORECLOSURE ROSEMARY E. GRANT Mortgagor(s) and Real Owner(s) Defendant(s) Term No. DlI - ~m C/~.'f.. CIVIL. ACTION: MORTGAGE ~ FO~eOLOIUP1E 338 & 342 Walton Street Lemoyne, PA 17043 THIS FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTINGTO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. NOTICE You have been sued in court If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after the 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 sel forth against you. You are warned that if yOIl 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 claim in the Complaint of 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 LA VNER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THA T MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LEGAL SERVICES INC 8IrvmeRow Carlisle, PA 17013 717-243-9400 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle,PA 17013 A.Y.il.Q LE HAN DEMANDADO A USTED EN LA CORTE. Sl DESEA DEFENDERSECONTRA LAS QUEJAS PERESENTADAS, ES ABSOLUTAMENTE NECESSARIa QUE USTED RESPONDA DENlRO DE 20 DIAS DESPUES DE SER SERVIDO CON ESTA DEMANDA Y A VISa. PARA DEFENDERSE ES NECESSARIa QUE USTED, 0 SU ABOGADO, REGISTRE CON LA CORTE EN FORMA ESCRIT A, EL PUNTO DE VISTA DE USTED Y CUALQUlER OBJECCION CONTRA LAS QUEJAS EN EST A DEMANDA. RECUERDE: SI USTED NO REPONDE A EST A DEMANDA, SE PUEDE PROSEGUIR CON EL PROCESO SIN SU P ARTICIP ACION. ENTONCES, LA COUTE PUEDE, SIN NOTIFICARIO, DECIDIR A FAVOR DEL DEMANDANTE Y REQUERlRA QUE USTED CUMPLA CON TODAS LAS PROVISIONES DE EST A DEMANDA. POR RAZON DE ESA DECISION, ES POSSIBLE QUE USTED PUEDA PERDER DINERO, PROPIEDAD U OTROS DERECHOS lMPORT ANTES. USTED DEBE lLEV AR E:STE P APEl A SU ABOGADO ENSEGUIDA. SI USTED NO IlENE UN ABOGAOO, VA Y A 0 lLAME POR TElEFONO LA OFICINA FIJADA AQUI ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEUIR UN ABOGADO. SIUSTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN ~ER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO 0 GRATIS. 0 ~ 0 r- c...-:J -n ....,~ ..s::- s:. ~ --l -rJr-':1 -- :r:-n ~~2:.~ : ~e3 (J).J;: .s;- C.)(~. -," -1C(, ~~~ ~ ~~~ ~r.:~ 2".; 3, <,.) ~< w LEGAL SERVICES INC 8 Irvine Row Carlisle,PAl7013 717w243-9400 CUMBERLAND COUNTY BAR ASSOCIA TIO::-l 2 Liberty Avenue Carlisle,PA 17013 . . , . d ~ RTIFY THAT THIS IS ~ TRUt: AND CORRECT COpy OF ~~?i THE ORIGINAL FILED 1. Plaintiff is MANUFACTURER D R ST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A., PO B 84, u aJo, 14240-10840. 2. The name(s) and address(es) of the Defendant(s) is/are ROSEMARY E. GRANT, 338 & 342 Walton Street, Lemoyne, P A 17043, who is/are the mortgagor(s) and real owner(s) of the mortgaged premises hereinafter described. 3. On June 23,1993 mortgagor(s) made, executed and delivered a mortgage upon the premises hereinafter described to FARMERS TRUST COMPANY, which mortgage is recorded in the Office of the Recorder of Deeds of Cumberland County as Book: 1117 Page: 122. The mortgage has not been assigned unless said assignment to the Plaintiff is hereafter mentioned. The aforementioned mortgage was assigned to: MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. by Assignment of Mortgage which Assignment is lodged for recording; and these documents are matters of public record and are incorporated h,:rein by reference in accordance with Pennsylvania Rule of Civil Procedure 1019(g). 4. The premises subject to said mortgage is described as attached. 5. The mortgage is in default because monthly payment of principal and interest upon said mortgage due December 29, 2003, and each month thereafter are due and unpaid, and by the terms of said mortgage, upon default in such payments for a period of one month, the <:ntire principal balance and all interest due thereon are collectible forthwith. 6. The following amounts are due on the mortgage: Principal Balance Interest from 11/29/2003 through 05/31/2004 at 4.6590% Per Diem interest rate at $4.28 Attorney's Fee at 5.0% of Principal Balance Late Charges from 12/29/2003 to 05/31/2004 Monthly late charge amount at $33.97 Costs of suit and Title Search $33,592.60 $791.80 $1,679.63 $1,104.93 Escrow Debit Corporate Advance $900.00 $38,068.96 + $6,354.87 +$200.00 $44,623.83 7. The Attorney's Fees set forth above are in conformity with the Mortgage documents and Pennsylvania law, and, will be collected in the event of a third party purchaser at Sheriffs Sale. Ifthe Mortgage is reinstated prior to the Sale reasonable Attorney's Fees will be charged based on work actually performed. , . . . 8. Notice of Intention to Foreclose and a Notice of Homeowners' Emergency Mortgage Assistance has been sent to Defendant( s) by Certified and regular mail, as required by Act 160 of 1998 of the Commonwealth of Pennsylvania, on the date(s) set forth in the true and correct copy of such notice(s) attached hereto as Exhibit "A". The Defendant(s) has/have nolt had the required face-to-face meeting within the required time and Plaintiff has no knowledge of any such meeting being requested by the Defendant(s) through the Plaintiff, the Pennsylvania Housing Finance Agency, or any appropriate Consumer Credit Counseling Agency. WHEREFORE, Plaintiff demands an in rem judgment in mortgage foreclosure in the sum of $44,623.83, together with interest at the rate of$4.28, per day and other expenses incurred by the Plaintiff which are properly chargeable in accordance with the terms of the mortgage, and for the foreclosure and sale of the mortgaged premises. By: ,,.et1fl~..p./.l BE McCAFFERTY & McKEEVER JOSEPH A. GOLDBECK, JR., ESQUIRE ATTORNEY FOR PLAINTIFF VERIFICATION I, Diana M. Robinson, Assistant Vice President, as the representative of the Plaintiff corporation within named do hereby verify that I am authorized to and do make this verification on behalf of the Plaintiff corporation and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements therein are made subject to the penalties of 18 Pa. C.S. 4904 relating to unsworn falsification to authorities. Date: 5-{ '1 -0 '7 Ac1L Diana M. Robinson, Assistant Vice President M&T MORTGAGE COMPANY ,TRAC'I' NO. l; q7q4~:0. THAT CERTAIN piece tar parcel of lAnd lit.uate in tiler Bol'OU9h of L'MrLbyne, COl,ll\ty of CUIlIberland and lit,lt,e of' Penneylv.:lni.., bounded and d.8e~1bod AB follow., to v1~1 BECINHING at 11I -,oint on the southern' aicle of Walton Str.et thr.. hl.Uhked thll"tY-.lilven and ~191\t C.enths (337,,1) teet .'....t.at.d 1n .. w..c..~.1.y di.tKtJ.on fro.. RO..~~~ 8tr....t. 'ITh1~cl St.! ..~), chene. .a\ll;h..lrdly .1Oft. . lin. pu'.11el with JIa..IIOYnc 5u..t t.wo hU1uk.4 (200) t.... ~ &Jl il'on pLI", thtInc. W41.tW"~d.J.y .long land now or lor.erly ot ~y J.. St.i'ayer pe~.11.1 .,ttb. "tal ton Street. .1~ty ('OJ t..t too An iron p1'lI t.hene. nor1:htMZeUy .1.01\9 ..J.d Cuy L. St.J:ayert. 1.na two hunclr'e.d (200) teet. to .1'1 iro:l pLn on the .oln.hern aide at Nalton. Street, t'henoa' 'e.St~.rd1.I' alcn, true .outhe.rn 11". ot .,.ltoR Street &1.ty (fiG) teet. to .. p01nc. t.he Place ot Beg!nn!n9a H,\VING Uleraon erected.. dwelli.ng known An.d nUllbel"ed ~la 338 W.lton Street, Lemoyn.e, Pennaylvan1a. BEING the same premises which Ruth H. MOCrac)oj,en, ~ido....* by deed dat.ed 9/19/88 and recorded in the CUmberland Count~ Recorder's Office in Doed Rook 33-Q. pAge 1571 granted t:l.nd. conveye() unto RO~eJIL~ry E. 'Grant, the Mortgagor herein. TRACT NO.2. ALL 't'IIAT CERTAIN phce ot' parc.el of tand .I1tu..td I.n th41 BOl'(Jugh of Lcmo)'l\l!'. County or Cu3bol'lAnd ..nd St.ate lit! l'al\tlliyLva",h. ,1101'. p.rt"u~uly bounded l10d delocrl.bed_. follows. to wit. DEC1NNINC <It 01 point on the auutne'C'l)' Una of Waltol\ Stl'eet at the I ntcrUCE:!on of t'ht line oC land. now or (olWrdy of john MeP'addelq th,lloC:lI ln Q 10Uthtll'1)" dS,rlill::ti.on dong landA now'or for"~l)' of John KcfaddcR, 400.0 feat to a potnt on th( line of l~nd.'now 01" 'formlHl)' DC U.n.. lI,ln.$on~ thenc.e in aft eu.terl)' dtrec,tton alona I and$ now or formerly of Kana HanSon and paraLlel v~th W..l~on Str.et 200.0 IDlt t) an tron pl_5 thence ln. "' nottherl)' dtrt!ct1.QI'o a10nS bthu. l.lrlds: now or formetl)'" o"f s&ld 'Ha1l5 HAnson and Landi now or rormQ~ly Df Br~nner 20Q.O feet to a poln~i th~nco In a westerly 41r"CtioQ .long ~ l1n. pardlel witb Walton. Sneet Gnd ..lona l.-nd. n,)w or !or:~r1)' of PUG f'0'K and ocher land.s, nor or fO~III.rly of Alma E. Strayeli. and C;;U:I L. Sr:.I'~y.r. antS hnus nQ""'IH' ro~mcrl)l' of KIIrl. E. Sr...ayer, L'80.Q t.et t. a POint. l;hel\Ct 11) . nartherly dircl;;tioft lloOS land, 1\0w 01' forme/:"l)l' of HMl'le E. Stra)'!!r :!OO,O fut to . pOint on th(! ",Qutherly Uno of WaLton Streeu chuce atona WlIlton $I;re.et .in . -wut,u-ly ~trect'on 20.0 fe~t to ~ potnt, the place of SECINNIHC. IlAyINC TIIEREOlll ERECTED a s1ngle I\; nary (c.ape cod) dweU1na houu k'lown ...ad numbered dl 342 Walton Serest, Lemoyn., Penn~ylvania. UNDER AND. SllBJECT. nevortheless, to eilsellent$. ro&trtetL'3nl, renrva: Lon., ~onditlona 4nd right. of ~~y of recoed. BBING the S~M4 p~emises which Natha!ie G. Sato. 5inqle perscn, by deed dated 4/22/83 and recorded in tho Cumberland County Ree'nder's Oft iCQ in Deeq Book 3D-E, 1'498 81, grant.ed and conveyed unto ,Roa'ltmary E, G:r: !lnt, the MOt'tgllgor here in. , bOtlK 111"7 :11: 121; \, I' t~" \ EXHIBtT "A" MAY, 18.2004 3:37PM NO. 0740 P. 2/8 '-" ~ M&rMortgage Corporation ASubsidiaryofM&l'B3tlk '-.../ April 07, 2004 Rosemary E Grant 342 Walton St Lemoyne, PA 17043 !~~I~S~rry~ Grant RE: Homeowner's ~roperty Address: 342 Walton St Lemoyne PA 1704:3 Loan Acct.No.: 0009794322 Curent Lender/ Servicer: M&T Mortgage COl~oration HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM YOU MAY BE ELIGIBLE FOR FIN1U<CIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROI~ FORECLOSURE AND HELP YOU MAKE FUTURE MORT(~AGE PAYMENTS IF YOU COMPLY WITH THE ~ROVISIONS OF THE HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU MAY BE ELIGIBILE FOR EMERGENCY MORTGAGE ASSISTANCE: * IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND YOUR CONTROL, * IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY YOUR MORTGAGE PAYMENTS,AND * IF YOU MEET OTHER ELIGIBILITY REQU:m.EMEN'l'S ESTABLISHED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. TEMPORARY STAY OF FORECLOSURE -- Under the Act, you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30) days form the date of this Notice. During this time you must arrange and attend a "face-to-face" meeting with one of the consumer credit counseling agencies listed at the end of this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS. IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE, YOU MUST BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED "HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR MORTG1\GE UP TO DATE. CONSUMER CREDIT COUNSELING AGENCIES -- If )(ou meet with one of the consumer credit counseling agenices listed at the end of this notice, the lender may NOT take action against you for thirty (30) days after the date of this meeting. The names" addresses and telephone numbers of designated consumer credit coun:3eling agencies for the country in which the property is located al,e set forth at the end of this Notice. It is only necessary to s(~hedule one face-to-face meeting. Advise your lender immediately o:E your intentions. APPLICATION FOR MORTGAGE ASSISTANCE -- Yom, mortgage is in default for the reasons set forth later in this Notice (see following pages for specific information about the nature of your default.) If you have tried and are unable to resolve this problem with the lender, 1 6007241633 . eor"'.pond.nee - P,O. Box 640, Bulfalo, NY 14240-0640 . P~ym.nts- P.O. Box 444, Buffalo. NY 1424lHJ444 Mortgage account information, just a clIck away. WW\lI'.mandtmortgage.com MAY, 18,2004 3:37PM NO. 0740 p, 3/8 , . ~ l! M&TMortgage Corporation AS\IOsldIatYOfM&J"Bank '-...../. you have the right to apply for financial ,lssistance from the Homeowner's Emergency Mortgage Assistance Program. To do so, you must fill out, sJ.gn and file a completE!d Homeowner's Emergency Assistance Program Application with one of the designated consumer credit counseling agencies listed at the end of this Notice. Only consumer credit counseling agencies helVe applications for the program and they will assist you in sullmitting a complete application to the Pennsylvania Housing Finance Agency. Your application MUST be filed or postmarked within thirty (30) days of your face-to-face meeting. YOU MUST FILE YOUR APPLICATION POMPTLY. IF YOU FAIL TO DO SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIOD~i SET FORTH IN THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME 1:MMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE: DENIED. AGENCY ACTION -- Available funds for emerge,ncy mortgage assistance are very limited. They will be disbursed by the Agency under the eligibility criteria established by the Act. The Pennsylvania Housing Finance Agency has (60) days to make a decision after it receives your application. During that time, no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above. You will be notified directly by the Pennsylvania Housing Finance Agency of its decision on your application. NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT. (If you have filed bankruptcy you can still apply for Emergency Mortgage Assistance.) HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) . NATURE OF THE DErAULT-- The MORTGAGE debt held by the above lender on your property located at: 342 Walton St Lemoyne PA 17043 is SERIOUSLY IN DEFAULT because: YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the following months and the following amounts are now past due: Regular monthly payments of $ 679.49 for the m~nths of 12-29-03 through today's date. Other charges: Accrued late charges:$ 1070.96 Accrued other fees: $ 210.00 TOTAL AMOUNT PAST DUE: $ 5911.58 CL 950 1 8007241633 . Ccrrespond811CtJ - P.O. Box 640, Buffalo, NY 14240-0840 . PaJtmonts- P.O. Box 444. Bullalo. NY 14240-0444 Mortgag. account /nformaHon, just. Glick away. www.mandlmortgage,oom MAY. 18,2004 3: 37PM NO. 0740 P. 4/8 " '--" r! M8ff'Mortgage Corporation A Subsidiary 01 M<r Bank v HOW TO CURE THE DEFAULT. -- You may cure the! default within THIRTY (30) DAYS of the date of this notice BY PAYING THE TOTAL AMOUNT PAST DUE TO THE LENDER, WHICH IS $ 591],,58, PLUS ANY MORTGAGE PAYMENTS AND IrATE CHARGES WHICH BECOME DUE DURING THE THIRTY (30) DAY PERIOD. Payments must be made by cash, cashier's check, certified check or money order ~ade payable and sent to: M&T Mortgage Corporation One Fountain Plaza/7th Ploor Attn: Payment Processin9 Buffalo, NY 14203 You can cure any other default by taking the following action within THIRTY (30) Oays of the date of thi~l letter: IF YOU DO NOT CURE THE DEFAULT -- If you del not cure the default within THIRTY (30) DAYS of the date of this Notice, the lender intends to exercise its rights to accelerate the mortgage debt, considered due immediately and you may lose the chance to pay the mortgage in monthly installments. If full payment of the total amount past due is not made within THIRTY (30) DAYS, the lender also intends to instruct its attorneys to start legal action to foreclosure upon your mortgaged property. IF THE MORTGAGE IS FORECLOSED UPON -- The rnortgaged property will be sold by the Sheriff to payoff the mort~,age debt. If the lender refers your case to its attorneys, but you cure the delinquency before the lender begins legal proceedings against you, you will still be required to pay the reasonable attorney's fees that were actually. incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay all reasonable attorney's fees actually incurred by the lender even if they exceed $50.00. Any attorney's feel; will be added to the amount you owe the lender, which may also include other reasonable costs. If you cure the default within the THIRTY (30) DAY period, you will not be required to pay attorney's fees. OTHER LENDER REMEDIES -- The lender may alBo sue your personally for the unpaid principal balance and all other sums due under the mortgage. RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF ,. S SALE -- I f you have not cured the default within the THIRTY (31l) 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 Sale. You may do so by paying the total amount then past due, plus any late or oth,~r charges then due, reasonable attorney's fees and costs conne(~ted with the foreclosure sale and other costs connected with the Shl!riff's Sale as specified in writing by the lender and by performing any other requirements under the mortgage. Curing your default in the manner set forth in this notice will restore your mortgage to 1;he same position as if you had never defaulted. 1 8007241633 . Correspond.""" - P.O. aox 840, Bullalo, NY 14240-0840 . P,ayments- P.O. Box 444. Buffalo, NY 1424000444 Mortgage aooount information, just a olick away. WWVlI.mandtmortgage.com MAY,18,20043:37PM NO. 0740 P. 5/8 '-'" ~ M8EI'Mortgage Corporation ASubsidlOlY of "1&1' Bank ,--". EARLIEST POSSIBLE SHERIFF'S SALE DATE It: is estimated that the earliest date that such a Sheriff's Sale of' the mortgaged property could be held would be approximately 10 months from the date of this Notice. A notice of the actual date clf the Sheriff's Sale will be sent to you before the sale. Of Course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment or action will be contacting the lender. HOW TO CONTACT THE LENDER: Name of Lender: M&T Mortgage Corporation Address: P.O. Box 840 Buffalo, NY 14240 Phone Number: 800-724-1633 EFFECT OF SHERIFF'S SALE -- You should realize that a Sheiff's Sale will end your ownership of the mortgaged property and your right to occupy it. If you continue to live in the property after the Sheriff's Sale, a lawsuit to remove you and your furnishings and other belongings could be started by the lender at any time. ASSUMPTION OF MORTGAGE -- You mayor XX may not sell or transfer your home to a-ouYrer or transreree who will assume the mortgage debt, provided that a 1 the outstanding payments, charges and attorney's fees and cOSts are paid prior to or at the sale and that the other requirements of the mortgage are satisfied. YOU MAY ALSO HAVE THE RIGHT: * TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT OR TO BORROw MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. * TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. * TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO DEFAULT HAD OCCURED, IF YOU CURE THE DEFAULT. (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DE~~ULT MORE THAN THREE TIMES IN ANY CALENDAR YEAR.) * TO ASSERT THE NONEXISTENCE OF A DEFNJLT IN ANY FORECLOSURE PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE DOCUMENTS. * TO ASSERT ANY OTHER DEFENSE YOU BELIEVE 'YOU MAY HAVE TO SUCH ACTION BY THE LENDER, * TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW. Sincerely, CL 955 Kevin Kernitz Ene, 41 1 8007241633 . CorrespondSfl{;. - P.O. Box 840, Buffalo, NY 14240.0840 . Pa)'ments- P.O, Box 444, Buffalo. NY 14240-0444 Mortgage account information. just Ii clIck away. www.rmmdtmortgag9.com MAY,18,2004 3:38PM NO, 0740 p, 6/8 '-..-i v , " Date: April 7, 2004 ACT 91 NOTICE TAKE ACTIO~N TO SAVE YOUR HOME FROM FORECL()SURE This is an official notice that the mortl!:ae:e on VOiur home is in default. and the lender intends to foreclose. Soecific information about the nature of the default is provided in the attached nages. ' The HOMEOWNER'S MORTGAGE ASSISTANCE PROGRAM (lIEMAP) mav be able to helD to save vour home. This Notice E~lalns how the prOl!1'am works. To see if HEMAP can helD. vou must MEET WITH A CONSUMER CREDIT COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE. Take this Notice with yon when vou meet with the Counselinl!: Al!"encv. The name. address and phone number of Consumer Credit Counselinl!: Al!:Cncies servin!! Your County are listed at the end oUms Notice. If yOU have anv Questions. yOU ma"\> call the Pennsvlvania Houslnl!: Finance Al!:enl:v toll free at 1-800-342.2397.lPersons with Imnaired hearinl! can call (717) 780.1869). This Notice contains important legal informltion. If you have any questions, representatives at the Consumer Credit COunselirlg Agency may be able to help explain it. Yon may also want to contact an attorney in :your area. The local bar association may be able to help you find a lawyer. LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORT ANCIA, PUES AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA (PENNSYL VANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA. PtJEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO ''HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM" EL CUAL PUEDE SAL V AR SU CASA DE LA PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA. MAY, 18,2004 3:38PM . NO. 0740 p, 7/8 .- . '. v . . v fJ1( CUMBERLAND COUNTY HEMAP Counseling Agency List as of 4/28/2003 Adams County Housing Authority 139-143 Carlisle St. Gettysburg,PA 17325 (717) 334-1518 eccs of Western PA 2000 Linglestown Road Harrisburg, P A 17102 (717) 541-1757 Community Action Commission of Captial Region 1514 Derry Street Harrisburg, P A 17104 (717) 232-9757 Loveship, Inc. 2320 North 5th Street Harrisburg, PA 17110 (717) 232-2207 Maranatha 43 Philadelphia Avenue Waynesboro, PA 17268 (717) 762-3285 PHFA 2101 North Front Street Harrisburg, PA 17t 10 800-342-2397 Urban League of Metropolitan Hbg 2107 N. 6th Street Harrisburg, PA 17101 (717) 234-5925 r'l .., "" r'l o fTI ..1J ru r'l "" .., Ir r'l o Ir fTI o ...0 ,..q r'- Postage $ Certified Fee Return Heceipt Fee (El'ldor!;~rl'l.ml ~eQlllred) Postmark Restricted Delivery Fee HerQ (EOOorw.IlII1Tlsl'1\ Required) Total Postllge & Fus $ SentTo: /V ~ r- L .J- ' f-L)::::fUYl{M~ (:::;:. 0 rc.ucu 34 G fN (lLt1in- 5.:t - L.&hqjYJ€.- I PIl I '7CY-13-202b PS Form 3600. September 2002 US Postal ServIce Certified Mail Receipt ~ .. ,.. EXHIBIT 'v3 " MANUFACTURERS & TRADERS TRUST COMPANY, s/b/m to KEYSTONE FINANCIAL BANK, N.A. POBox 840 Buffalo, NY 14240-0840 : IN THE COUFH OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA v. No. 04-2333 CIVIL ACTION-LAW '" = 0 ~2 -0 2 ~-n fl1F -rJrn :uc: :;.~ (~) __:_ or, (??,'~ 1'...' <Jl Plaintiff ( ,~ [""):-';"', :,-,:J ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s) 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECf6Su:ID: ~::~ Defendant ANSWER Defendant, ROSEMARY E. GRANT, (hereinafter referred to as the "Defendant"), through her attorneys, MILLER & ASSOCIATES, PC, answers the Complaint of Plaintiff, MANUFACTURERS & TRADERS TRUST COMPANY, s/b/m to KEYSTONE FINANCIAL BANK, N.A. (hereinafter referred to as the "Plaintiff"), as follows: l~ Z,~ 3, ~~t~~L;/~- ~I ~~~, /,~~t~ t~~7~,~j;-~~ ~.""v1.. ~.Ik~~~H~Jtn;j ~,~ i-~~k)Jk~ /(~) ~~i ~-!~ ~I ~r7~~Jt, I ~t;:i/ b, ~ ~J~ 7!~~ , ~~~~1~ ~~rl~IdJ~, 1,~<~~JUJ~~~ ~~j-~/~~ g~7~:;k~~'~/ ' ~J:5~~;1:j:)~4~ ~" WHEREdfendant requests this Honorable Court dismiss Plaintiff's Complaint against it, and enter judgement in its favor, including reasonable attorneys' fees and costs of suit, and any further relief this Court deems fair and just. Dated: 6 01b<! ~ William E. Milller, Jr., Esquire MILLER & ASSOCIATES 1822 Market Street Camp Hill, PA 17011 (717) 737-9211 (717) 737-9215 ID No. 07220 -2- VERIFICATION The undersigned, WILLIAM E. MILLER, JR., ESQUIRE, hereby verifies and states that: 1. He represents ROSEMARY E. GRANT, Defendant herein; 2. He is authorized to make this Verification on her behalf; 3. The Facts set forth in the foregoing Answer are true and correct to the best of my knowledge or information and belief. 4. He is aware that false statements herein are made subject to the penal- ties of 18 Pa. C.S. 94904, relating to unsworn falsification to authorities. Dated: 6~/o Y ~ WILLIAM E. MILLER, JR., ES E .. ,~ I:XH,a,r 'C" . . RECORDATION REQUESTED BY: 'ar~ Trust C'.on.-n, One Weal High 81reel c.1UlIe, PA 17013 ,;7"'(- P:, WHEN RECORDED MAIL TO: F_,r-s Trl.l$l compan.y One WeM HIgh Street C"I*, PA 17013 , .13 JUL 1 PI'1 1 11 SEND TAX NOTICES TO: Aoul"lWY E. Grlnt 342 W.non st. Lolnoyne, PA 17043 SPACE ABOVE THIS L1~!E 15 FOR RECORDER'Si USE ON.Y MORTGAGE THIS MORTGAGE IS DATED JUNE 23. 1993. between Rosemary E. Gran~ owneo(.) 10 fee elmple. whO... addre.. is 342 Walton. St., Lemoynt:. PA 170~ (r.ferred to betow 8S "Grantor-"); and Fam ,era Trust Complmy, whose addresa Ia One weol High Street, C..llale, PA 17lJ'3 (referred to below as "Lenlleo": . GRANT OF MORTGAGE. For vltlu6ble oonsldBrStion, Gr.-.IOI" grants, bergllln" ~I'I cunvev_, ....gn. tr(ll1sfer:a, rele...., conftnll. unci mOrt!illllge$ to Lender aN 01 Grantof'g righi, tille, and inlere$lln and 10 the folJOWll'lQ described fn! proper1y. toglllher w1lh ... .,dstlng or saequenlly er9tIOd or llIIIbcad bUildings, imprOvemeMs and fixtures; all streels, lanes, aleys. passages, and ways; 81 et~. right! 01 way, ell IberIes, prr.iegea. tenements, t\eradila.....r'Ib. end appIJrtenancas thereunto belonging or anywise mads appurlsf1an: hereafter, and the ~ and remaln~l w"h rlS~t theretG; &11 water, wal8l' rigtlts. Wa,t8fCW'S8lio and dilch riQtrts {1nc;tudi!"li;1 sIock I'" utilities 'vittl ditch Of irrfga.lion rigt1ls); and aI olher flgkts. rovalli". Ind !)toftts relating Ie IhEl real ptoper1y, including wilnout Imitation all mir\9lralt;;. oil, gas, geolhermal and :!;im~ar matters,lOcated In Cumberland Coun1y, Commonwealth of Pennsylvania (the "Real Prop1Irty"): 8.. Exhibit A township: Lernoyne Bol'OU gh The Real Property or Ita acIdreas Is commonly known as 338 & 342 W81ton St., Lemo1f1e, PA 17043. Grantor preMl'llly "salQ~ to Leilder III 01 Grantor"s righi, Iille, and im-t in and 10 all lease:i 01 the Property snd ah Renls from the Property. In addttion, Grantor ~nt!o to Lander.. Unllorm CQmmeI'cial Code seeurily Interr.;1 in Ihe Personal f'foperlyand Rent:. DEI"INITIONS. TI'I81011Owing wordr. shall haw the 1ol1owirlg meanings wl'len used In this Mor\gllge. Terms nooI: of 'eMis. dlrllr4d in this M~ 1n.1 have the meanlnga attrbuled 10 suel1lorms in the Uniform Comrnerchil Code, All rel....I'le9s 10 dOllar amooli:3 sl t~ I'I'I8llir'l4J'OOunts irIlawful ~ of ttle United Stales .01 America. Qi"!Oi. The worn "GrantDl'" means R05emtlry r:. Granl. Thee Gran10r Is th9 I'I\Orlgl;OI' undil' lhls Mor1gag.. Guarenlor. The word "Guaranlor" meMlS.a1d Il'IcludClS wllhoullhnllatiOn, each and all Of the guaranlors, E;u'Bti~ and lioocmmodatioo parties in eol'lf\e(;lIol'1 wHh the IndebtedneS$ Improvl!menta. The wad "Improvemenls" moons and Includes wnhOut Ill'I'Iilallol'l all ,~)(istlng and fulu -'" improvements, fi::dur~ buildings, strUC1!.l11l$, motlllll hoo'Ies allilled on the Rael Property. faCilities. aMlior1s and other Construction on th. ~ :'roperty. Indebledness.. TI18 word '1l1debledfl8l&s' I'Nlnl all prtncipal al'ld Inlefed payable undlf the Note and an~ amoul'lts 9KP9J1ded or advanced by lender 10 discharge ObI~1l0!'19 of Grantor or expenses il'\CUrred by l.nder to enloree oblllgallons of Gran111r undel' thIS MorIgaOO. Iogeltlor wlltl int6ri.'lGt on such amO!..lnts as pr~ In this Morl~.. lender. The word 1..1tIGler" melns FllTl'leI'f. Trust C.ompany, It5- $UCcesoor$ and Bssigns, The lender is h r- aigsgee ooder thiS Mortgage. Mortgage. Tt1e word "Morlgage" meam; this Mortyage belween Granlor and Lender, and locludiS without I "I"iiI.tion ad assignments and SICLmy Inklrasl prOViSlol'Is relallng 10 the Personal Property end RenlS. NoIe. TM word "No&e" lTllW1$ th~ promissory nole 01 credit .grHl'nerll dated June 23, 1993, In the c,rlglnsl principal ."ount of $78,000.00 from Gl"antor to lender. logether w~,.. all rel'l!wals of, exlensiorllJ 01. m"dllellions of. .. ,ancll'lg& 01. (;OmIOllaallOn9 01, !lm:l subslltution! tor the promlssorv nole cr a!ilfBSmen1. NOTlC~ TO GRA.NTOR: THE!: NOTr: CONTAINS A VAs: ABLE INTEREST RATE. Petsol'lal Properly. the words- "Persor.a! Property" melln IIIIQUipm"'t, ftXIurllls. and omm article& of pel1lcnal pr~!'IOW or her1lafler ownBd by Grantor, and now or herea~r aHaehod or affixed to the Real proptrty; tooetntr Witn all :lCCeSliion&, p~nl$, l"a addliOnS 10, III replacemeris 01, and all sl.Ibc;1i1utions lOf, any 01 such propet'ty: ancllogelhar wilt! al proclNIds ~ncludin; wlthoul Mmilallon allnsurance proceed.. and rtlUl'lds 01 p.-emlum6) r,om any Elsie or other dispOSlllClIl Of the Property. Properly. The word "PrODlrtt mell1$ collecliVary h ~ell.l Property and Ihe ~1 Prop':I'ty. Re~1 Property. TI'l4l wordt. ~Raal Property" n'll!an the properly, jnlere51s and rigtlls desorl:led above ill Ih. "01 ,Inl of Mortgage" 5el'::Uon, RtilteG DOcUments. The words "Related Documenls" mean ind include wi1tIoUi IllTIb.Uon .1 proml$,ory noteS, credit agreemerrts, lOin IgrHn'l8nls, guarantle$. &9Guritl' agreements. moogeQeS. deed::! citrus!, and aI oIher Instruments. agHmt ,Is Ind doeLlmflr'lts, Wnelrwlr now or hereafter exis'\ItIQ. eXl!(:l,lled In cooll9Ction willl 1he Indebtedness. Renl$. The word '~enIS" me8l'l'i all pre,;enl and future ren", rev.nvM, Income. is~ues, royalties, prolil~, lnd other b9l'lelib Clerived Imm the Property. . THIS MOFlTGAGE. tNCLUDING THE ASSIGNMENT Of RENTS AND tHE Sf:CURITY INTEREST IN THE REN rs AND PERSONAl.. PROPERTY.I~~~" GIVEN TO SECURE l1) PAYMENT OF THE INDEBTEDNESS AND (2) P~ORMA.Nce: l;)f AU. OBLIGA' IONS OF GRAN10A lJItOER THIS \ MORTGAGE AND TIE RELATED DOCUMt;HTS. TtflS MORTGAGE IS GIVEN AND Ac~m ON TH~ FOLL .'WING TERMS: hUnttUi fAG, 122 \ MORTGAGE (Conllnued) Page 2 . .,.. o 51 ..... '7""' -" ,j PAVMENT AND PERFOFlMAMCE. EXClllpl.1 OIll8IWi$.1!I provtded In ttQ Mortgage. Qranl(r shan PlY lo Lender I,D cUTIOun16 IIBCUfBd by this Mortgsge alhty b4IeolM due, and...... strlcily perfcrm all of Grntot's obligations under till, MClIiQage. POSSESSION AND IlAINTEJilANCE OF THE PROPERTY. Grllnlor agrees thel (3(ilf11or's possession and use 01 llJ Property shall be governec;l by tht toIlaN1ng ptOvl$lQns;: Poeu8Cilon and UIIII. Unllln defautl, GflJnlQ( may remain In p*esslcn and control of and opera. end 1'*'1.01' 1M Property and colltcf the A9rrl&from the Property. Duty 10 Mlltnlaln. GlWllor llnaJl malnt.in II'I Pr~1rty If'I tenanlaf)le condition and prompt1'1' p9rlcrm "I ~ II.... !eplacemerrl6. and I118Iintenanc9 nl!ICIISSery1oprIIMI'VIIlbVlIUe- ttuMdOUI SUbatanCeL ine terms "ha2ardoUI w.".... "haZardous 1>1.tJ..lanoo,w wdisposal,~ "releasB,. aml 'hreatened r....,.; a! UMd In thb. Mortgage, thall .,...".1.,. I&rJlI nwanlngal' set forth In the Comprllh8l"$i.,. Erwironmlolal f_pon68, COIT1JIlln9alion, 1100 Lillbllty Act of 1980... ."",nded, 42 U.S.C. Section 9601. et Nq. ('CE.~LA"), tf'le Superfund Amlndmenls and ReaulhorizatK 1 Act of 1988, Pub. L. No. 99-499 (''SARA,. the HaurdolJl M8terlal; Trar'lli:'ortatllln Act. .w U.S.C, SectIon le01, et $eQ., 1tle Resource Conovvatlon and Aecov8f~ Act, 49 U.S.C. Section 6901, 191 MCI., l;t" oIner ~1cabIe ..... or Fed...11 laws, nieIl, or ,reguldQr'4 adopt<<:l punl*ll 10 'r'lY 01 the foregoing. The terms "hazsrdoUB waste" Ind "hlzardous t1ub1I1nt:9" shall allO include, wfl~ Mmltation. pllroleum ancI petroleur'l by-p'Od1S;.iS or Iny fr1rdion I~ and BSbesIoB. Granter reptMena and wlIIlTant, 10 Llnd..-lhal: (a. During tt'II period 01 ChnlOr'l ownersh I) oIlh1 Prop.wty, lhefl hB been no 1,.1$', glneraliOl1, manulaclln, stofage, trealmenl, dISposal, release or llYealened f91,,",," of any n&!lll'douI Y'." or IUbllanc. by any person on. undol, OIaboLJIIhe Prop&rty; (b) (]ranlor nas no knowtet1ge or, Of reason to belie\19 lhll.t t"". ha been, I:~ as prlVlOUlly dlldClHd to IfId acknowleCl~d by Lliu'l(f... In wrlling, (i) BIl't' use, QSll9IlttiOrl, manulaclure, s!crage, Ireallnenl, ~osal, r "'else. or 1l1realened ..... of any haDtdoUl wula or ~r"lOt by any prior QWners Of ClOOupanls oflhe Property or (II) any acltAI or Ihreale ',8d IUg,lion or dIIms of any kind by any person rwllting 10 &uch m8tter&; and [e) Except U p'.....OUSly disclosed 10 and acknowlodged by LElf1Der 11 wrlllng, .<1) neither Grantor nQr any tenant. conlradar, ao-nt or olher luthorized U$$' 01 the- Properly mall use, gsnerale, manulaclore" 5IO~, tr.t,. dispOM Of, or reIMse any Ilazwclous w.ste or sublia~ on, und.,., or about ttle PI'OperIy llnd (II) any luctl aclivity $I1aM be GDndutliitd ill compliance wllh all applicable lederal. slall. Ind local law&. regullllons and ordlnlnus, Jncludlng wilhQullimilallon IhoS4. I.ws, r'8gulBlio' 51 Bnd ordin8l1C8ll described abOWl. Grantor authorizes. Lender Ind Ih agents 19. elller lIpor1 Ihl Properly 10 m&ke such 'nspal~on5 and _~ ,IS ~., may d88ll'l atIproprialB to c:l9termil18 complBnce oIlhe Pro~lllllly wllh Ihl, section 0111'11 Mortgage. My Inlp4lC~on!!o Of leSI$ miKJlil by llmd. snail be fOf Lender's purp0&85 odty and sball nol be construed 10 cresle any re$ponslbll1l~ or 1~lIly on Ihl perl 01 Linder to Gtantor or to a.y OIher per'S;oo. The repf.....,tdiol'lS and warrarrtles contained herein ara based 0fI Granlor's due dWlgenetlln IrweGtigallno Ihll f't'oper1y for hI::ardoUIl wasle. Granlor hereby (a) relU:Ys arKi waives any 11,.111,1'0 c1.Il'l'\tl against Lander lor indemflit~ or conlrlbullon in the even! Grantor ~c''nIs liable lOr clNllup or oltl. COltl under any such laws. and (D) agt9&S 10 indemnity and l1o1d harmless l.n(I.... agall'\~ any and all claims, ~IJjS, II8blitles, damlQllS, p...Ilies, and elCpenses whlc:h l..endlr may d1r&CIlY ar Indl~lly $lJ$I.in or suller resulting Irom a breach Of ItIlS $ecUon of l'le Mortv&ge Of ... I COnMQI.ItI'ICI of any usa, ganerallcn.. manufacll.u, slorage, diSpo$l;dl release or Ihreatened raleas& CleC\lrrlng prior 10 Go ,lntor's ownership or in~ in I". Ptoperly, whelher or not the Slml was or sho~d have b.., kl'lOwn to erantOf. iha pmvisions ot HiS Sll:lion ollne Mor'Qage, InctJdlnv Ih. oblIgaliOl'l to indemnify, shall SIKWJI tM pa.ymenl or the Indebtedness and lt1e salishidion.and rec:onveyara ollhe lien Ollhis MorIgafJt I.ncIshall not be aHac'*d by Lemler's atClulsition of any Inlftr8Blln t~ Prop4lrly, wholher by foreoloslInl or otherWise. Hu~, WnN. Grantor s.hal nol GIluse, oonduct or permil af'lV nlJisal'lce nor CQmmil, permit, or sutler I'W ~l'lIiI of or waste on or 10 the Propertvor any portion of Ih. Pfopelty. WlIhool ~mitir1g the generality 01 the lo'egolng, Granlor will no! rel'IOV', or g"n1to uti other party the rlghllo remova, ,(11' ti~, m1n.,a~ (Including oR and gB.s.), wi, gra'o'ed or rock products wilhaullhe pOOr \Un liM1 conwl'rl Of Lef'lder. RemovII of ImpraVIl!MetlIS. Granlor 5hal not demol'3h or r9I11ove anI' I mprovemenh from Iha Real Proper I wlthoutlhl prior wrltlen consent of lender. A$ a co~lIon to !tI1 removal of ",ny Improvements, Lendef may require GtanIOf~) make arnmgemllnb sd'faetory to Lender 10 f'IIpllce such lmpi"owmen1S with ImprCMHn8nta or at "ul equal value, ~nder'JJ; Righi 10 Enter. LeIlder and lIs ager'lb and representatives may etrter upon Ills AN.! Property II all reasone.bIe limes to attend. 10 LInde!", Interesls and to iASpelJllt1e Property lor purposes of ~rtor's compllancI wilh the lel1Tlll and condit ')tit. Of tills Morlgage. Compliance with Government.. Fl.aquiremenlS. Grar"ltor shall promptly c~ly with allIIlW$, ordinances, 'ind regulations, now or her'lfler in effect, of 811 governmenlal authorities applicable to !he 1.169 or occupancy 01 the Propertf_ GrantQt may ::Onlesl In Qood laith I.f'IY such law. ordinance, Ot r&;JUIaWon and w~hhold compliance durlr.g arty proceeding, including apptop.ia1e appeals, so 1;"Iil u GrantOf' has notified 1.W1"* In wrillng prior 10 dOing so and $0 lono IS, in Lender''3 sole opiniQn, I.lJPdar's inleresls in ttle Properly are n:11 jeopillrdl~ed. lender rT'Ifly require Granlcr to post adeQuale security or a surlly bond, reasonably &all&factory 10 lender, 10 protect L8flQer'S. i,.,..!Sl, Duly to Protect Grantor &grl'tM nQi1t$r 10 abandon nor leavo lh'ltlllended Ihe Property, Orantor shin do ! I oiMr acls, in addilian \0 1tI0M' acll'; sel fortl'1 ab(Mjl in ItIIs seclion, wr.~h !rom IhEi' Cl\aracler and use cllhe Properly ;re f8QGorJllbly neeeesary te I;rolect anc:l p.reMJ'Y6tne Property. DUE ON SM.E - CONSENT 8'( LENoe:R. Lender may, ill ~1s option. dec"'re ImmecJlS1ely l;lw and payable all ~l.U1':; secured by this; Mortgaga upod the Hie or Iran8fet. wlU'1oiA Ihe Lender's prior wrlten consent, of all or any plrt 01 the Real Property, or any Inlar ~1St Ir1 Ih. ~9B1 Property. A ""sale or Ir,.,lS"'" means lhe conv.,yatlee of Raal Property or any rigM. 1iI1e or Inleresl lhe1ein: wheUl&' legal a equitat Ie; whether voluntary or Involuntary; whelher by ou'"9ht HIe, deed. lnslallrnent sale conlraol, land conl'ael, conlrll.cl for dHd, 1N.$IiI~ in.resl witt.. term grealer Ihan th,,- (3) year&, Iea~oplion conhc:l, or by 511e, a!.Signm$f"ll, or lransler d any benefiCial "'18,"1 In or 10 ~ny land trust Mldln, 1111I to the AeaI Properly, or by l!In~ olher method of eonveyal1ce 01 Real PrOPlrty Inl9r9f;t. II any Granlor is II. corporation or parlnlm.hIp, Ira.nsler also includes IflY chanQe In ownershlp 01 fflOre tl14n twenty-fillQ pereent (25%) oj lIle voUng stock or parlnership inleresls, as Ihe case may be, of Granto', Howwer, ttJis opllon ~I I"(It be ~cised by Lendet if such E!'.~clse Is prohrblled by I&Clerallaw or by PanrtS~...ania law TAXES AND LIENS. Tlle fOIOwing prOViSions ralatillg 10 Ihe !a)les and liens on Ihe ProPerty are II pari of this MorIJ ;..~. Payment. Grantor shall pay when due (and' In a.11 evenls prior to delinquency) alllalt'es. DELyrolllaxes., spltCillllalM, assessments, walAr Ctlarges and S8'Wvr servioe charges levied ageinst or on account ot lhe Properlv, and shall pay when due all elal"s lor work done on or lor Ml'Vic:.. renoereCl or maleriallurnish9d 10 lhe PrQporly. Grantor shl. maIr1tajn the Properly fre9 of all Hens having p .lOf~ 0\1. or 8<lual Jo the il1'ianlst of Lender under this Mortgage, .It'(:~ lor lhe lien 0118XQ9 and assessmenl1 not due,and e)(eIl!pt as othefWlse P ::lvided in lhe loIIowing par&gIBph. Right TOo Conlesl, Grantor may wflhhold paymenl of any lax, ass9S$ment, or claim in connection wilh a -goc.j faith dlsptlta over the obligation 10 pay. so long as Lender's inleresl in Ihe Properly Is net 18OPolrdlZlBd, II a. lien llri$t$ Or Is liled as a resuH 01 no' payment, Grll.nlor shall wilt11n tftltl'1 (15) days Illtrlhe lien arlM$ Of, il a lien is tied, within fifteen (15) dtY5 after Granlor has. nl~llce of Ihe filing, ,Btlure the dI&eNlrge ollhlllen, or II ~qu.$Ied by Lender. depO&lI wllh Lender ca'3h Dr a ,ufllc:l&l1t corporate surety bond or otrle'r !leCLM"1ty lOatislac I)IV 10 Lender in an alMunl suflClenl ~ 10 discharge Iha Ian plus any COSls and a~' fees or other ctulrges Itlllt could aocrue Ii a result of a f:lfedosuroor sale under Ihalien. In \; any contesi. Gra"tor shall defend Itself and Len(lElr and shall salisly aIlY ad~8" Judgmenl befor' .nl~.1I1 against 1110 Properly. lit.nlor sha. \" name Lender as art .addiliQrlal obligee under any Burely bond furnished in lne con1est prOC:e<~ding9. ~ E'ri(I(!inc:e 01 Paymenl. Granlor shall upon demand lurniSh to L,nder salillaclary evidence 01 paymenl 0( Ihe taxes or as.s~$rnents and SIl._.' I aulhorlZlillhe Ipptoptlal& governmen1al official to de~ver 10 lender al any lima a wrilteno st!\ement ()Ill\.<t ~Xill& and a.&SB5s~ aGBlnBll1le :v Properly. \ :~ .-.1 ..... ;." ~ MORTGAGE' (Continued) Page 3 . .,. o o ~ Notice of Con8kUCIIon. Gtanlor shall ooIf( Lefldet at IeIsIllfltMn (15) dlys btfa'. atry w-cwk Is comlTlefl~ :to any S8fYicIs are ft.WnlsMd. or Iny ~ ""' $uppIed to the Property, II any mechanic'!lllen, mslerislmen'!lllert, or other Men lIould be aS661led on aooount or IIIB wOl1!:. 9EIMc8e, (]I" matefl&ls and the COlli exceedS $5,axl..oo. Grantrw" wll I..IpOI1 re~ of LBflder fumBh to Lender Ildvar ,J8 aasurancas 'IIlIlilllaclory 10 lBnd8r thai C3rflnlor CSA and will pay It1e ooal 01 SU01 imprOYBmBnls. PROPeRTY D"'MA~ tN~"'NCI!!:. The followinQ proYlslons relallng 10 InSlJring ItIs Proper~ 8119 a pari Of this M :lrlgage. MUlIIMWnCe OllnlUr~. Grantor sholU prooure and malnlaln polICIeS Of 1jre In$lJI'ar'108 'tllll1 standard ex :l:nded CoverIge af'lClCWS8menll on . replK8menl DIIII for h fUIIlns~able value ccwerlng aU ImprOYl!lmenlS on lhe Real Propl!rty In .an .maunl Il1lIcIent to avoid appIIcalton 01 any oolnIufInoe cI&UH. and WIth . standard ~gaQH claUN in tavOl' of L.ef'Kllr. Pole'" shill ba wrltllln by Sl. :h lnW'ance companl6llnclln IUctl form as may be .....onllbly 4ICC~labIt to LIN'l"'. Granier shat det4r to L,nder eerllflcalM of COWII. tom Md'Ilneurll' ~. sl1pulatlol"l thai coverage wi not be oaocelled or d1m1nil;t'<<l wilkout I mllWrrwm ~..., (lO) days' priQl' ~I nollollo ~ and not cor:Unlng any di!lclahn8l'" at tile iRlWl8l"l!llabllity for Iall... m gi1i8 ~ nob. ShoW:! IIw Aa&I PtOpli!tty.t any Ima b!1OCfN located IA.an .... ~ by the Ciraotor Gltt. F8d8ral Emergency Managemenl Agency a~ a speclallJQod I'la2ard Sf88. QranlOl' 8j11'8BS 10 obIllin and mmtaln I'ildllrll FlOOd InSlranc::ll. 10 Ihl IIXt80t 6UCh insurance is I8ql.lired and Is or beoomss avallabl8, 101' the term clltle loan and lor the full unpaid prl~e1 baJal'a ollh. loan, ot"'" maximum limit of COIIBrlIge that is available. whlohe\f9l" is lee. ApplICatIOn 01 Proceed.. Grsnlot'lWI pr~lIy noflfy lender of Il.n~ loss or dlmage 10 In. Flr~' I If lhe nllma1ed CO$I of repair or replecemerlt el108Eld9 tsXJ.OD. lender msy fMke proof 01 I,," il GrankJt fails 10 do $0 wlll'llrl iii"",, (HS) c1.~ OIlhl cuualy. Wt\tIlI\el' ex no! UIIncw'$ ~Iy " IMpaired, Lender mliY, 8t its election, apply the proceeds to Iha reducllDn oIlt1e Inc:Ieb&!dnesa, paymer11 of 8""1 lien altdng lhe Property, or II'lIliU1Ot1Ilion and .-.paIr 01 the Property, II L9fld8f _ts. to apply the pr(JOBElds 10 f9Storat :m and repllir. C3ll1nlor ahal rapair or r..,laca tne ~ or dallroYlld 1l1'IptOlMmen15 in a rlllmnar M1tisfllclory 10 lender. lendsr shall, l4>Ofl 5 ctisfBctary proof of such axpendhn. pa., or rtlmburu Grantor Irom l!"II ptOOe6l2a Jor !he ro4l$Onabll cost 01 repair or r"Orlliall I' 6ranlor i& no! in dellUlt hereunder, Any prooBBds whIcI1 h.... nol bHI'1 dilbut'Hd within 180 alva after tl1eir r<<:elpl and wtICh \,.ender hras 1"1(11 coml'\"lllled to I~ 'I rGpIlil' 01' reslcrdon Di ttE Property shaH be l$d ,"I 10 Del' any amounl awing to l.nc>>r undtr tt\IS MOr1gags, then 10 prepa)' accrued Inleflll-, and lhe remainder, if any, shan b. ~lled 10 the !)rlncioal bellnoll of lhe Indebtedness. II LMIder holds any proclWldl if\er pelymenl jf"i lUll of It , lndBb19dnls&, luch procMds shell bel psid 10 Granlor Unaxpired Inallt'BnC8 It Sill. Any unelCpireCllnSl.KanCl shall Inure 10 the ber1eti1 of, and l!lass 10, the pl.lI'C '<8SBf of Ihe Property oovered by lhis MorlgsroJll .t I"" truslee's 'lllt or othlr sale held ooder the provisions of IhlS Mortg4l9'. 01' at ~'I fCrtlCIosvro! ,alGi Of Wl;h Property. EXPENDITURES BY LI!NDE;:R. If Grantor faits to comply wll:l1 any provision 01 thIS Mor1gage, Of II any actIOn e;w Illoceedil'i{l is commenced that WOlJld' maWialy.aff~ L&nder's tnleresl& in tho Property, lender on tlnmlor'9 behall may. but shall nol be requll'EK11(_ lake .ny aellon thai lender deems appl'Ql:lrtalt. Arf'I amollnt tl'lat Llt'lCUIr /!llpends in &0 doing wUI be... ii'l16rasl al Ine rata onergad UMel" the N4:J:!l Irom the dale fnourred a paid by Lender to tha dale of~Y""Ir\'by GrantQt'. All such 811pen$9S, 411 Ll!lr'Ider'& oplion,l'IiM la} be pliyablB on daman:l, Ib) be added to the balal10D atlhe Note and be apportioned among and ~ payable wlItI any Instdmem paymenl$ 10 IXW;ome dutl during ellher 01 tna 1erm of snl' applicable in&Ulllnll8 poley Of (III 1M remaining Iwm of the Note. or (c) ba Ireated as a baloon payment whictJ w. be au. iIlnd :)Qlyabl. al lhe Nole'ti maturity. ThiIs. Malgage alao W. SBcura payment OIl11ese amounls. The rights provided fOr illlhls paragr'aph :~hlll be in additlc " to any OIhier nQhtl or any ~_ lO.,..ticl1lender mBY be entilled on accovnl 01 thB dBfaull. Any such aelion by LBnder shall riot be conn-ued u ,:urltlg the defaUllso as to bat Lendel t'om any remedy 1I1a! it oth8wi&e would havs had. WARRANTY; Dl!:FENSE OF nn.E. Th. following provisions retallng 10 ownership of Ihe Property at. a pari of It'! i.. MortgagB. Title. GrantOl' warrantS \flal: (al Grantor holds good and marketable tille 01 record to Ihl!I Proporty in lee ~ Ilmple, Iree and ~r of all lens Bnd ltQC;lJmbl'ancM other than thaM ".llorU, in lhe Real Property description or Ir1 al'1y li'Ie inU4IIrr::. policy. t~ report, or 1tl'l8l h-u. Ql:llnlOn 1S$U8d In f&\Ior of, and 6Cc~ted by, Landsr in contlGCIion with lhis l'oIaigage. BOO (b) GllIntc( ~ It'a full righl. powel, and alllhorMy 10 erocule ar'ld deliver ttJ'$MQrlgageto Lencler. Defense Of TlUe, SliIject 10 the excepllon In lhe paragrapt1 abo'le, Grantor warrants and wi! forl\ler data.'.~ the litle to the Property agaltlflf lhe laWfUl claim!; or all persons. In the event any aclian or proceeding is eomn'Hl'~ the" ~l,l",pJlons Grantor's II, or tt1, 11'Itlll'9l1 of Llndll' undll"tJ'III MOrtQ4Qe. Grantor &haW del9nd the aclian at Grantor's BX"pense. &-3(1/0( ma}!' be lhe nllmirllll party in SllCh proCMding. but L~der sha. be enlltled 10 participate In the proC'eflding and to be represented in the prOC*ding by coun~~ 01 Lender'~ ~ , choice, and Granlor wil deliver, or cause to be delverBd. to L~d9r such inslruments as Lender May reQuest I(om lime 10 lima 10 permil ~l,ll;h plillclpalion. Compliance With UIW$. GrantQr warrants thai Ihe Pl"operty and Grantor's use Of thll, Properly Complll!; with a. eXlsling applicabla Wiws, OI'dl.....nces. and regulation8 01 governmenlallWthoritlas. OONDEMNA.TION. The lolowing proYisiOM rellil,llnlillo cQndamnahon 0' the Pr~y are a part of Ihis Mortg8Qe. Applfc.ldion af Net PrOteeds. If afl or any part ollha Property IS conCiemtled by amir1ent (~n pfoeeedln;IS or by Iny proCllding or j)lMehaH ill IelI Qf condemnation. L6ndef may 81 ils elecliDf1 raquira that aU or any portion 01111$ net pro~ds of lhe 8 'yard be appfled 10 the Indlbl.dness Of the ,..pair Ol" .....Iotation 01 me Properly. 1't'lQ net proceeds ollha 8WSfd sha~ mean tile award after pay"',lnt r:J all aclll8l cost~ IlICplnAI, 100 allorl'\fJY$' tees Ir1Cl.ITed by Lender In connecllon wit" the condemoation. Proc.ldlnga. H any prooeedirlg in condemnation is fled. Granlor shill promptly notify Lander in writing, ul(l Granlor shall promply taka 5Ullh ~eps as may blilll8c8SSQry 10 defenQ' the actlOr1 8,Id oblain ltae award. Granlor lTIIY be Ins nomil'lal party If'l ,llCl'l proceeding, bullendel' sl'iall be entilled 10 patllcipale in the proceedir19 and 10 be IOpresenled In the prOCNdlng by count4:~1 of II!. own thOiQ!,.nd QrantOl' will deliver or CBI.ISB 10 be dellwrecllo L.ender such inslruments Bfi may be i"equesled by Illrom time 10 lime 10 plrmrt sucl'l partQ)at :)n. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL ItIUTHORlTlES. The following provi$ion' r9latirlg to governmental tax9G, lBeS and chsirges arll a part of thl!. Mortgage: Cumtnl Taxes, FHS end CMrgH. UI>Pn reql.lest by lel"\del'. Granlor I;haU exeoule slm documenls j( I!lddtlon 10 Iii, Mortgage and lake whakmlr other acllorJ 1& reql"lBSIBd by Lenc:ltt 10 perfect a~ conllnua LeodBl'& fiII1 on Irn;, RB&l Prope.1y. C:ranlor shal reimburse lenoer lOt 41 taxes. as d86Cfl)ed' below, togather with an expen~ss Incurred in recording. perfKllng or c:ontlOOlng 1Ns Mc'lgaQa, incll.ldlng witl'iOl.lt Nmitalion 811 1a'Xts. fees. documenJary ~'larrop5, and oIhel" chai"ges for recording or rlJi;lislering Ihis Mortgage. lne.. The follOwing $hl' cor1$lllule tBxe:l to whic:h lnis section applie&: ta) a $pQCific IQlt upon IIlis 1YPB cl Mortgage Dr upon aW or any p8rt DI the Indeolednes6 seoured bv this Mor~; (b) a !!peclflc!ale on Granier wl'lll:t1 GrantDr Is authori2l6d 01' n!Iqllired 10 d8duGi from paymer118 on the tndebtednefiS secuf'8d by this tYPB of Mol1gage; (el a lax Ort tnls type 01 Mortgage Chll'Qt,abI. ag.airtSllhe l.~der 01' the holder of the Nole; and (d) asplCffic tax on aI or any portion oIl/1ijo Indabtedness Oi" Oil pa~Men1!i oIprincipaJ ttnd iinlertfll m.dI by (ltantor. ~ SUbsequent Tiles. Ilenv lar to which thiJ MCtiOll .~es is enacted $ubsttquenl 10 1j1(;1 datil of lI1is Moo;18QS. lhis awnl shall ka~ IhI same y \ 8flecl as tlI'l E~gnt of Default (as .d~ntd below}. Ilnd Ltndw may ell.reisa atr{ or all 011'1$ aVoIilab1e 19t1'I9diiE for an event of Default as provided I belOw unless Grantor oBiltEr (a) pa)'$ tho laI belore . becomes delinquent. or (b) conffl::;1$ ti"$ lal(' as prnlded' abova in Ihe TUBS and liens ('. \ secllon and dep05ils wilh lender cash Dr a ~f1icienl corporate surely I:)ond or otMr ~.CUrll'V l:ilIbslaclory 10 lE leler". 0- I- .;... ....... ., ~,;,~ ,.. l'V ... \- MoirrGAG~ (Conllnued) Peg. 4 . ... ,~ .,' SECL.fIITY AGREEMENTj FINANCING ST....TEMf::NT8. ThI tollOWlng Pfovi&ic"" r..tlng ID 1hi!, f.IIOrtgllQEII as a secLdJ IIgf8BfIIenl:". I; pert of thiI Moo1qa... s.curIty ..."",,1. HliS InSItt.Jrl'I8f1l ,hall consU1U1t . ucur!ty agreemer1l to the exlenl arl't at 1he Prop~ oonstllL..... lIrlurll Q" othll' pel'\Otlal ptq)8rty, and Lender Shan have II of the rlghl& of. secured party under the IJtIIf(lIm Comml!lfcial Code as '11'\ended from 1m,lo 11m.. Seourtty IMete". Upon request by """der, Gr'ar\tof ahd IIX8CUIe Iinanoing sIa1emenl!l and tf.k, wheteV8l' d',.,. Ktian It .-qllB&led by LfIl1dSf lu psrfeat and conllnuelender'J 511C!riy I~ In tha Ren\!I and P9r;gnal Property. In ad<~ 10 recordll'D th~ Mor1gItge In the ....1 property recorda, Lender mav, at any IltM al\d without fLI1hIr authol'lzation from l3I'ilnlor, 1iIe s.!CUlsd COlW'ltlrP:lrts, copIM or ftIprocU:t1ons (If ItHt ~. .. .. Il1llf1CIr-.a slalMnenl. Granlor $h41 rtlrnblJl'H ~dtr fOr .1 expenses iflGUll1Id in perfeatlrq or ccr'IInuing this security 1..1t. Upon dtIlUIt. Grantor ~ asl;8mble the Personal Properly In I meMII and II . placo 1"811S0I'lMlIy converJie 'II to Grantor.....d Lander and meQ It II\WIIbIIlc lM1der within Ihf'.. (3) days. after receipt of wrltlsn demllnd frOl'l'l L8nt*, AtIdr'eflse&. The ".~ing lIddfetlsn of Grantor (debtof) and L$tlder (secured part,), Irorn wtllctllnlormE lon COnc;tl'ring the NCWtty ...,.,... grlntld bV "* Mortgage I11lIY be oblained (Met! as required by thI Uniform CQfJIl'D\VCial Coda), are as slate.: on In. f1r'51 PiQ8 d It. Mortg.ge. ~THEA A88l.AANCE$; ATTORNEV-tN-FACT. The fclowing provisions relaling 10 fUllher assuranc9lo arlt atIomBy-ln-fact are a pari cllhis M"""'... Further """'InCH, At aNI tim.. al'ld from lime 10 time, vpon reQOeS1 of Lnlr, 13rantclf Will make, IXEI~ and deliver, or wiN cauw Iv b, made, 8XfJ(;V'-d Q" delPiereG, to L..endOr or 10 LenDer'lS desigl'l(lC!, end wherl feqU.lted by Lend'" ClL'>9 10 be filed, recorded, r8'flled, or rBl1!OOrdtd, 8$ the CUI m.y be, at evch tirne' and in suoh Qflr;es ....d !)laces ., L~ may deem appopriall, any and aI !WCh morIQages, deeds of Iru$t, ..wily ctHdI, seourity .tgI1l8ment!., financing staltlTlClrlll\l. conllnua\k)n slltemen\e;, InPurnnls 01 further S5$(.1r.11Ot, ctrtiflclllH. aoo.other dl)cvmen!s u JNy, In the SOle! opinlctI Cf L9l1dm, be I'.ec4lUtI'Y 01" desIrab$I in order to etIacI,l8le, compIute. perf9cl, oontl...u" or pI8&8rVB (a) In. obHgelions ~ Granlor un~ lne Note. lhi~ Ma1:~. and ll'aI Rel8led Ooc;.umtnl.,.r'Id (b) the Ie.. .nd lI900rily InleulSlS cre.lld by II'i$ Mortgage as lirsl and prior liens on the Property, whether rlOW owned or hen_flet acquired l:y GIantor. Unltss prc;Nbiltd by law Of agreed 10 1M eontrarr by Lend!ilf In wriing, GranlOl' sh81 reimburse Lendet fOr all 00615 Imd expenses I"',urred In connectl<m with the mailers refarred 10 In this para~aph. AnttI'neY-ln-Fact, II Grantor rails 10 do any ~ thl thlllQ'S referred 10 in Ihe preceding p~~aph, Lende. mey do AO tor al1Cl in the nama of Gr.ntot ana 0111 Granior's expen'3!!. FOl' suet'! purp05M. Gtantot hereby irrevooal:*{ IIppolnlli Lender as Grerlor'l ettomey-In-taellof IN pourpos,e 01 maldog, exec:uliog, delivenng. IlIIng, recording, and doing iliA olh9l' lJ'linvs as may be nltCftSary or d~ ttlrtbll, In Lflnder~ sOle OJ:liflion, to accomplish lhe rnattert. ref&rred 10 In tha precedil1g pw&graph. FtLL PERFORMANCE. II GranlCr pays all ~ Indebtedne!S when dLlEl, and o'\herwrs.e perlOrms aM the obli9lticI"IS Imposed upon Grantor under 'INs MorIg&ge, land. 61\a11 exeoule and deliver 10 G'antOf' Ii suitable saliSfaction .of lhis Mortgage al1<l suilabll 10IaIeIIlenls oI1efmll'1alkm oIlIIny f1naooing !;!alemenl on Me evIaenclng Lende;"3 security Interest In the AMIs and Ihe Perliooal Prcperty_ Granlor wi. pal "petmllted by applic;able law, any ,..;ontblIlflr'mInaliOl1 res as determined by Lender tom lime to time DEFALLT, Each 01 the following, allne oplloo of LendOr, shall oonstilule an event .ofdefllvlll"E~iM 01 Palaull', ullder Ihis MOf1gage: Def.., on Indebtedn... F.allvr(J at Grantor 10 make any payment whln due on Ihi Indllbledrl9Ss_ Delaun on Other P-rmenl& F;tilure 01 Granlor wltl'lin the: lime raquired by this Mcrlga~ 10 male. Inr pa!'ment rer taxas Ol" inwranoe, or allY other payment n9CeGR,1)' to prevel11l1llng Of Of 10 affecl dis.ct1.r~ Of any 1Ier'l. comPlance Defaull. Fo\lllvre 10 comp~ with any other term, obigalion, covanSl11 or cOtldlllcn conltined in Ih~. MOl1gage., Itre Note or WI any of lhe ReLl1edDocumen1s. BrUllhmL Arrr wBrr"nty, r.~.mali()(! iJI stalement made or f!.l"nlshed 10 Lender by Of' on behalf 01 Granlor under Ihl'J; Mortg"g"" thl N()\e 01' 1M Relsled Documents Is, or at Ih. lime made or fUrIlished WIIS, f.~ In any materIaJ respect. IllSOfvency. The Insolwmcy 01 Gramor, "ppoinlm~t of & reeelW!r IOf any part 01 Graf1tor'~ property, all)' eJmigl'lmlllllor the benelil 01 creditors, Ihe e<>mmencement 01 any Pfooaedirlg under any bankruptcy or insol...ency laws by or agalool GranlOr, Jf Ihe dissolution or l8fminallon or Granlor's 4lXi~nce as a gQjng bmif1eSS (if Granlor Is a business). E)[~lto lhe ,.lanl prohlbiled by f~all ~w at PllrmsyllJinla. law, Ihe dealh 01 Granlor (If Granlor il an IndMdu4lI).o shall oooo1llule an e.......t of Defaull under lhis Mor1!i1sige. FoteClOBur., Forlelture, etc_ COl'llmtnCiln1~1 01 fOreclOsure Dr forleilura proce&din!ils, whllher by )udlclal pt'~ondjng, self-help, rIJPO'SM~JiOn or any olhet metnod, by any cradler of Granlor or by any govemmen1aJ agency sQBirlsl any 01 'Ihe Property. HO'''fW9r, ttjs subsection shall not apply in the ~ Of a. good faith dspule by Granlor alia the valicllly or reasonableness of Ihl!l clllim which III the :,a!ls ollhe loreclO!oure or 10ralalLllI proc98dlng, provl08d lnal Grantor gives Lender wrinen nolce 01 Sl,JCh claim and furnishes. r'SGrIleS or a slrily bond lor Ihe claim satisfactory to Lend",. Breach of Otlwr ~ameftl. Any b....ch by Granlor under ttle terms 01 any clNr agrHmer.t between GtSl'lor and ~ Ihall$ nQl remltdlld within any grace period provlded therein, InCkJdN"l!il with()l,I! limilation any &greerMN cOl1C<<rllng any lnaeblad '"," or oIhar obIIgallOl1 01 Grantor to Llndtr,whetherlJ(i:;Iing now or later. EvenlS Affetflnu QLIlIranlor. Any ollhe prQCedlng 9V9nls ooours wilh respecllo Ir"l)' GUlwanlor Q( any of -.a Indabledf1ess Of $UCh Guarenlor dies or beCOmes incompetenl. RIGHTS AN) REMEDtES ON DtFALLT, Upon the occur..,ce of &rIyEwnt 01 Delault and alllny lime lhereaflv'. lAnder, al i1s Oplion, may BlIaroise anyone or more of the foUOINlng rights and f9medies, in sddDon to any other rights 01' remed~ providlKl by IBW: Aecel"a.lncs.btedness. Sr..tIjeCt 10 appiicable Ia.w, lender 'Shall have Ihl! rlghl al115 optIOn YIitrIouI no:ce 10 Grantor 10 declare th8 enllrl Ir'ldebt.dness Immedialely We and payable. UCC Remeates. Wilt'! respectla. aM or any J;l"r1 ollhe Personil! Properly, Le.lder $l1i1ll1l1aVf. all the t1QhlJ ami ram.di_ 01 a oooored' party under" II'1e Uniform Commflldal Code. COr\fe1 Rer1t6. leIlclef shall hive the rigt'll. wilhoul nolice 10 GrsniOr', to lake possessioo of Ihe Propsrly and lJOllecllhl Renb, including amounls past due and unpaid. and apply tt\.e nel proceeds, 0V9f ana abOVe Ulr1der', costs, agaln.tltle InOeblednBS9 In lurth....nee cI this riQht, Lender may require any t&nant or olh... user 0.' Ihe Property to makii paymenls 01 rani or use ,"I direclfy 10 Lender". Illhe Rents ara oolllded by Lender, 1 Ihen Gtatllar Irrevocably deslgnalllS lender 1$ Grantor's a1tomlly-in-mol 10 endorse in'3bvments recl!lWeo n payment thereof In the name of Grantor and to negotiate 11"t8 5Bme and cOllect hio prOCHds, Payments by tenants or other users 10 Linder Ir response to l.ender's demand ntl $allsfy t~ ~"'$ IOf which the paymMts are made. whether or l10t any Pfoper groufLd's lor Ihe dim&!' ::I existed. Lenctw may exercise il'3 : rights under thillubparagraph -ellhar In pel'5on, by agenl, or l!trough a ~Vlr. :'. .' .\1' AppOint Receiver. lender shsllla~ lhe ri~t 10 hl"-. rec:eiver appoinled to lake possession of all or any P.irt of Ine Properly, wllh Iha power 10 .\ .. proteef I~ preserve lhe Property, 10 ~ale the Prop.n)' preeading 1l)(&C!OSure or sale, an,C1 to collec! the RI ,ts from ltll'l PrQP8r1y and apply the I ,p' Q. = '" .- .... .;;.. ~i ", ,,' .'- . MORTGAGE (ConUnuod} POlll5 . proosedB, ov(w al'd Ibov8 1t1l COlt r:J the r8CGI....Stlipl against tha Indebtedl"l8S$. ,..,. ntc........ may ser, I vtilhauI bond II ~miItd by IIw. LtndlIr's right to the IIPPOIntment of. rlCGNII" ahaIl exist wttether or nol1t1e apparel'i will... of th. Pr~lwty ~ the IndBb~nns by. sub5Iflmialamounl:. EmploylMl'ibY~Sh&ll noIdllqwlryapel5Onlrom1leMng IS a J'llCeivvr, JbcIiclot Foreelosur.. lender may oblitin ajudicisl deoree 100000losIng Grlnlor's 1m"" I", .. or any pQrt ot the Properly. p~ of thI Property. For the purpG'i4I 01 ,:lrDCurlng pOl.llon Of 1118 Property, C3rl!l~or hereby ILll~ :Iri_ and M\POWenI Iny.allDrJIItY or any i;OUrl Of rKOl'd In the COIYII'nCIfl'MElth 01 PeI'll1~Bnl. or 1IIMWIWe. &I. attor~ lor lender and II pII'SI)'lI ~rnIn; under or thraUOl"1 Lender. 10 Jlgn an i1grwmant for Itnktrlng in IllY compelent col.ll'tln aniClbIlo action In etectm8tlllw PCJSSe:MW;)n 0' t"- Property.net to A$lPlNl' tor III1d oo~t fudgmal'll againll Glanlor. and agaln!ll all perSOil$ claiming IJl"Idlf ex through ararl1or, lor IhI! rBCC'18l'Y by IAnclet oIl)OU1!1:11on oIlIle Properly. wilhout...,y ~,tay afegcutlon, f()f whICh 1m Mortgage. or I copy at thll Mortgaga ....rlied by affldlVit, !lh!1I ba a suflcient WAfTIIM: and Itwnl:upon . WI1I: Of potSaIlon may ba lsaued lorthwilll. wilt10ul any prior writ or procHdIng whalSolMlr. NonJucltlal s.Ie. "permtbed bV appIioable law, Lend8r may forecloSl (3c'antor'll; Inlllreslln aa Of in any par of It\e P.~ Property Of 1M Real Property bV nonj,Jdic:lal 11111, DeflclMc, Judgment, LBIlder may oblaln a judgmenl lor any d*iElncy remaining in !tilt Indebl9dlllH -: IJ8 10 lWtder after a~tIon: 01 aR amounfa recaiYad tom Iha ex8f"ClSe of !he fig hiS provided in Inll se.:tlon. TelUlncy at SufI........ If Granior t4lmall'll In posuNicln of tho Proper1y after the Proparty ,. saki as I'rovidad 8bDYB Of Lander oIl1erw11a blcOmH .ntiled to (J0558SSl0n ollne ~ upon dlraull at Granlor, Granlor shall btcClm.. Wlatrt at SU~~1I1lnCI of LBndBr or Itl8 ~\l'ChalBl' of the PrOD'rty W stlaU, &Ilam:ler'!l op~, ..If'Ier {I) PIV' ......Onable (jr'llel for the use oIlh. Property, or (b) vacaIe Ih, Property irnfNKIaltly upon lha d"""nd 01 Lender. Othar RtHn,d1ea. Lender sMIIl1avv all ottl... righls and ~ pl'ovlded in this Ml'JI'lgaga or the Note or al oiIabla !t!: law 01' III eqLJily, Saki of lhe Proper1y. To 1111 ext001 p*(mitted by applicable liiw, Grlnlor hereby waill8$ Ilny and 811 righl 10 .tm.". the property marlhalled. In 81Cercising ir.I right! and ~ 18ndlt shs.~ be tree to seU of or tonv part 01111" Prop8l1y together or $oaralwly, in ona UI8 or by separate Salos. L8I1dar sh81 bl enlilled 10 bid AI any publiC sElJe OIl an or any porlion ollhi P\'optrty. NotICe of Sole. t..al"lOer &hel giwr GranlOl reasonable noIlc' Of thellrne BOO place 01 any p~blic uIa of the "ersonal PL'Clparty or at !he lime af\l;lr which any prlvale SlI. or olt'ler inl,1'Ided disposition of Ih. P.rsonal Property IS to be made. Unle9!: ot"lerwilSa raqlJre(J bV Ilt)plcabla law, reil!;onable notice shaft mHf' tlotlCa g~n at least len (10) o.a~:'l be40ra the time ollhe sale or dispos,ltion. Wehle-r; Eledon of ~m.d\fl. A waiver b~ In)' party 011 breach 01 a proviskln of Ihis Mortlilaga lhl. nol C,lr\lllilull a waiver of or prtiudIcB lhe party's rights cttlerwiM to demand slriol compliance with Ihal provision or iiiA)' other pnl'vlsion. Elecllon by LI ,dar to ptInIUfII env r&IT1edy shall not 8lIo1ude pursuil of any Ofhe!' remedy, and an eIedlotIlo milKa expendUurQli; or taKe action 10 perform lIIn oblig!lllon 01 Grantor lll'lder Ihls Mortgaga aIIer failure of Gflillnlor 10 perJorm shall nol affllcl Letlder', right 10 ckII;lara a dela~ and ex:aroClse its rll\lfle-dles I 'd" lhis MOi1Qagl. .lIorn~.' Feel; EllpetlAI, Ille-nder institulas IiIItly sun 01 action 10 enforCl any of Ina Iarll'li ollhls MotIgIJg ii, Lender shill be enlillad 10 r8CO'J*( sucn sum B'I Ihl court may adiudve re8SOMble IS aItorneys' fees, al Irial and on any 8PJ:1eal. Whalher or nor: any oourt acIr)o l$ Itfvdvtd, all teBsor\4ble e-xpanses lr\CUT8d by lender Ihlllln Lend,,'s oQiniotl are r'IeC65'S8ty at anylif'l'l8 for the prolecHoII 01111 ln1erest or lhe enloreel1'l8l1t r:A ib rigtrts 'Jhllll beooma. pari ot the Indebtedrle5S pavable on ct.m-and and shag besr inlelll5;1 from the dele 0' sxj)lll1dihQ I,ll'lIiI repuid at th& Nole rala. Expenses COWfed by this pllragrl~ include, wltnout r~IiDl1, however subject 10 I!In~ IlmilS UMer ep :.tIcable law, Lender'$lIIUgmays' leas Ind LI(J(!er's legal axpeI"ISft whethel' or nallhera ill a laWSI,Jit, Including attomeys.'\ees for bankruptcy proce :dngs (InclUding aftorl$lQ 1'I'\tI<if)o or vacate ar'l~ automalo stay or injltl'lClion), appNS and any anticipated posl-fUdQlN!n1 coHQC'non services, Ihe ,:cqt of saarching rec::.ordl. ob..,ing Utla reports (InClUding forecIo:wre rtpOrU), tur'VeyOrS' reports, Bnd apprllfsalllas, Ind liDs insuraooe, 10 lhe elder'll oermmed by appl1cab" law. GI'Il110l' elsa will pay any COl.I't co., il"l addlllon 10 9." other BUm'3 provided by law. NOTICES TO GRANTOR AND OTHER PARTIES, Unless otherwise provided b~ app~ble law, any nollcll I,JI'1der .hil MOrtgage &"-1 be in wrillng &lid stw:1 be flffBCliv8 when actuallV deliv..-ad or. If rnali<I, !;hall be ~med I;IlfK~ When depO$iled in IhB UniIad 51,11I9$ mallllral clai&, regi&tnd maM. posIaga prepaiO, dHc:ted IQ Iha addresses ShoWn near the beglnl'ling of this MOI1gaQe, ArIV party ITIIIIY Ch&!'Ij;j II i1$ address lor notiCa under this Morlgl~ by gMng fQrmal wriller'l Mlice 10 Ihe otner parlies, speoifying thet Ihe purpose 01 tl1e noliOIl is 10 chan, ~ the parly's address. An copios. DI noIIcn ~ foracloo.ure from the holder 01 any lien which tlas prlority over lhis Mortgage- shall b$ slmllo Lender" ae jress, as $hown near Itla begirming oll~ii Morlgag&. Few nolice- purposes, Grantor IQlflBf,to kGep lender Informed al all times of OranlO"s cLJITenf 00< '.eS!. MISCB.LANEOUS PROVISIONS. The following miscelleneoUS ptOvlSiOnS are a part ot Ihis Mortgage: ....,,~menl&. Thfli Mortgage, logel~ wiltla~y Relaled Documents. etJ."stllules tha anlire ur'ld...-slandiflg ar.li agreement ollh. parties as 10 lhe matlets set forth In 11'11& Mortgage. No anBl'allen of or amendmenllo Ihls Mort9age shall be etlecII'Vtl: I,Inl8s! glVBfl in wrlllng and s1Of1&C1b~ the perty or pcries soughllo be charged or bOt.!rd by Ihe aIlefalion or amendment. Applalbltl L..... Thla Mortgage has been oellvered to Lender and lICe_pi." by Len-:ttlf In tha ComI'lonweallh 01 PennsylVania. Thill Uor~age .... be governed by and conalruea In ..ccordance with Ihlllew, or Ihe ConvllollWlNlth 01 Per rttylvenll. C'Ption '....lIngL Cal)tron headings in IhlS Morlgage ~111 for COnvenlel'rCfl purposes ooly aIld Wi! no! Ie be used 10 interprel Of" ~ the proW.K>II& of this MOl'~e. Mllrger_ Ther. shall be no l'n9rger of Ihe Il"lIerest or IItate crealgd by this MorlQage M1h any other Interes! :r 95Iale lr1ltle PfoPsrly al any 1Irr. held by or tor lhe benefit 01 Lender in any capeCl1y, wilhoullllt wrillen CQr'lSent 01 Lender. Severability, lis. court at competenl )urisdlcllon JinQ$ any prcNisiOn of this MorlQage 10 01 invalid or IlnenfOrceabla IS 10 any person or cItCl.lm~" 1IILd1 f1~ shall nol tender t~at proviSion Invaiid or unenroreee.bll1 IS 10 any olher parsons or :ircur'n$tancH. If feasible, eny sooh 01lMlcirlgpr0Vl9-loll ~II b. deemed 10 be modified to ba witPlin the limlls 01 llI1forceabi_1Y or validity; however, if the otIending provision cannot be 50 modified, it shall b. Illrlcken and all olh(lt' prOVl$#on1 Ollhis Mortgalil9 in al {lIner respec;ls 1t1'1a. remain valid :ind enforceable. SUcceuorl Ind ASilgna. SVbtecl to the limlta.tions slatad in II1Is MOr1ga.gil on transfer QI Glr8r'llor's interest, Ilws MorlCl101 stlall be binding upon and Inurl 10 the bene/it 01 the Pa.rti9s, lhtn' ,heirS. p<<sonal represenlallVfi, ,ucc&ssors and 86Signs. II ownel1l\lp (:/ thl Propetty beeomee vesled in a ptl'!On olher' (han Granlor, lendl'll", wlthoull'lOlk:It 10 Grantor, may deal WlIIl Grantor's successors 'Nil'" la~ 10 this Mortgage and the Irtdablectneu by w,\' of lorbearal'll:;tt or exlanslOl1 wilno-ul releastng Granloc frOITl !tie obWge,licns of I~is Mor1gage or UabtlllY' IJl'lclet In. Indebledness. Time Is of the E.-.nc:e. TirrKIlll ~ Ih. f!SSer'lee ill the performance of lhis MQrlgage. Wllv"" end CDmJenl$. L~der Shall not be deemed 10 have walll9d any rights vndgr Ihi!1 Mortgage- {Or un :Ier Ihe RflIaled Docllmenl&.) unless slJl;h waMw is in wrilmg and ~08d by Lana.,. No delay or Cl<<I9sion on 1~ part of Lendur In exerolsing er 'I r1g1'1t nil Qperate 8Ij: . waMll" 01 such right or any aIt1er right A watv.r by anV patly of a provision 01 this Mortgage snal f'IlJl cOfIsllIuIe III we.fe( 01 or p~ tI-.. parly's righl olharwlwlo damand slriol oornpIianc. with thai provision 01" any other provision. No- prIOr WIlIv8f bIt Llilnder, lor any cQt.qe of d..~ng betWeen lel'lder and Granlor, shall conslllule iI waiver of any 01 Lvndfi's rlghls Or Gn~ 01 Gramor'! obHgatiorlt iUi kl ,ny luit,lre ItanNelionl. WheneVer i: ..... ,.... .;.... " ,- c~ "., ,.... .." :;:0 ~, " ~,. MOhTGAGf: . (ConUnued) Psge 6'" oonstm by Lender I, rtquitld In tNs Mortgage, thI granting of such consent by Lender 11'1 elny irn;lanc. shll: no! conl1ltUtt COnlinving CClo1S8nllo !Itmsequent Ins"~ ~ luch COIll.m II .-qWed. ~HI8IT A. An exhibit. tillld "ExtibIt A.," ..llacl'ed to IhI!I Uorlgagt and by this r"'9~ bi ml.cs. I part 01 this \oIortgage jU6t lIS if 81 the prtMsAonl. *n'II and !;Of1dtllorla 01 tl\l Exhibit had been !\lly sel forth in this Mor1g.tge. GRANTOR ACKNOWL!DGES HAYING READ All. THE PROVISIONS Of 114S MORTGAGE, AND GRANTOR J ,GREES TO ITS TERMS. ~~Tot A/ X~:fr_ . ,,~~,H1~;i$M~; W'/ E. GrMt/ I SI(J1ed, aoknowledged _ dellv....d In ttM prtsenclt of: : ~:~:5~~_. ./'N 1'1." c;.-r CERTIFICATE OF RESIDENCIE I herl!lby ~vrtify. Ir,at"e prectse addl"tI!.s of the mortgagee, F.mers Tru:lt Company, herein is as follows: One WHt High str..t, Cilrlsle. PA 11013 rJ. '7 VJ.'"- _:/ C:~~I <OfIlllO"Iglllfllll INDIVIDUAL ACKNOWlEDGME'NT STATE OF;. itJ'l!!':yi~y.l:hn.~a I c~~:.'.<.::.::~... :.. , - ~ I, - , ' . " -_' ~ On ~cfev ~.:me.ltr& ~lP1ed Notary Public, pel'llonally appeared ROsemary E. Granl, 10 ml known 1:- bl1t'le 1fldM4~ described in and whliBii:&O,l.dIItd ltii't.lIC)rtgagc;tt'~.c::'mOwl8dg9d tl1all\e or \'lhe lJjgn,d the Mortgage 8$ his gr hnr Iree and vatu,:ary act and dHd, for' 1M l,I!j;llI alld PlJ~1.tt~,r"I"..~IJ~~:. )~j' G~j~~~~~I>>r~I~~.~ _ nrd csayof .,Tulle ._.11-.'?~, "'Y f:111!1!J:fj2d!2;;_l!::l_~f}.I Resldlngal...!:~it:view Twp., .~Qrk County NO;~ Pubtlcin 8IId rQIthe Stale 01 ~~nm;Y.lviLni<l My COmmission explil'U 6/Q/9t:. L"'6ER?RO.R..~ U.&. Pat. & T...., 01/. Va.. ~,'''[C, 18D3CFl B~nk.... !:i"'-~"'.~Dl"Jp.ln:. AII{llI"".'.'"rv.~, l"A-G03GlR"'NTRF.LN Fld.O .1.] -.... kaIh""D.~,~Pubio '_1wP.._""""" M;ComrnIs&m~..li1'le9.1~ C)....' ~ ~ -. ...o....vtv"ni.. } Ss ; ",~..',dl"nd (""~i~_"" tN t~ roeoreN", 01 ~',!, ...'t'PJ'.':c::'C''''~.' ' 11-1-(" ,'~-~ f'oglo. .--~;~~'J---:~:, ;(1;rgp_ . -:,~/? ~-'~~;.r~~yoiO..r /.:..., :I~. '::~~,~~. " ./ .'. [/ .,', \," ".1' ',i .. " bucd1:r, f!.G: 1<'- ... ( />1 ,-' ," > . .. . ' VERIFICATION LISA A. D' ANGELI, ESQUIRE hereby states that she is the attorney for Plaintiff herein, and that all of the facts set forth in the attached Plaintiffs Motion for Summary Judgment are true and correct to the best of her knowledge, information imd belief. The undersigned understands that statements herein art: made subject to the penalties of 18 P .S. section 4904. f\ Lisa A. D' Ange t, Esquire Attorney for Plaintiff . .... . ., .. . .. GOLDBECK McCAFFERTY & McKEEVER BY: LISA A. D' ANGELI, ESQUIRE Attorney 1.D. #78020 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, PA 19106 215-627-1322 ATTORNEY FOR PLAINTIFF MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL BANK, N.A. SI8IM FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY vs. Term No. 04-2333 ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, P A 17043 CERTIFICATE OF SERVICE OF PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Lisa A. D' Angeli, Esquire, hereby certifies that she diid serve true and correct copies of Plaintiff's Motion for Summary Judgment, Memorandum of Law in Support and all supporting papers by first class mail, postage pre-paid upon the following on the date listed below: Miller & Associates, PC William E Miller Esq 1822 Market Street Camp Hill, P A 17011 \COO Date: -1\"\ \ O~ \. ~ '" ~ . . .. (") ~~: ~fTI c.,j" ;:::...~ j':~(., g~;~,2 >- :J , . . r-.> = C'.J .t"" <- L- r o ""7' :.;:l mIl r- :gm ~6 ~J:'i ("1:'0 7() (5f11 ~~ .~J. ) --< N ;jl o '" w MANUFACTURERS & TRADERS TRUST COMPANY, s/b/m to KEYSTONE FINANCIAL BANK, N.A. POBox 840 Buffalo, NY 14240-0840 : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. No. 04-2333 CIVIL ACTION-LAW ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant DEFENDANT'S ANSWER TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT AND NOW, comes Defendant, ROSEMARY E. GRANT, (hereinafter referred to as the "Defendant"), and moves this court for denial of Plaintiff's Motion for Summary Judgment in accordance with Pennsylvania Rules of Civil Procedure NO.1 035.1, et seq., for the following reasons: 1. Admitted 2. Admitted 3. Admitted 4. Admitted in part and denied in part. It is admitted that Defendant on or about 25 June 2004 filed an Answer to Plaintiff's Complaint in the above action. It is denied that said Answer does not raise any issue of material fact. In Defen- dant's Answer, it was stated that the Defendant dial not have sufficient informa- tion as to the correctness of the averments of the amounts due on the mortgage as set forth in Paragraph 6 of Plaintiff's Complaint. Defendant, from and after December 2003, requested of Plaintiff, both in writing and by telephone, through various of its representatives, whose names and telephone numbers in Buffalo, New York, apparently Plaintiff's principal place of business, had been provided to Defendant requesting a specific listing of the application of all payments of principal and interest and escrow tax account theretofore made by Defendant to Plaintiff on the subject mortgage so that Defendant could determine that all of the payments she had theretofore mC!de had been applied to the indebtedness. Despite such repeated requests, Plaintiff failed to provide to Defendant any such specific listing of payments made by Defendant. Defendant also had been working with officers of M& T Bank, an affiliated and commonly owned business of Plaintiff. Defendant made a payment of Thirty Thousand Dollars ($30,000) on or about 4 June 2004 to M&T Bank, with the request and expectation that officers of M&T Bank would make a payment on account of the mortgage debt to Plaintiff so as to attempt to effect a global settlement repayment schedule of all of the indebtedness owed by Defendant to Plaintiff and its related entity bank of M& T Bank. Defendant has been advised and therefore avers that despite the best efforts of officers and attorneys for M&T Bank, they have been unable to reach any such settlement with Plaintiff. While the Affidavit accompanying Plaintiff's Motion for Summary Judgment makes the bold assertion in Paragraph 7 thereof that the amounts due on the said mortga'ge as of the date of the filing of the Complaint was Forty-Four Thousand Six Hundred Twenty-Three Dollars and Eighty-Three Cents ($44,623.83), there is no substantiation offered thereof or any form of an amortization schedule and a specific date, time and amount of the installments theretofore made by Defendant to Plaintiff on said mortgage indebtedness. Defendant believes and therefore alvers that not all of her payments made to Plaintiff on account to Plaintiff under said mortgage were correctly applied, in part as said mortgage was ori~,inally entered into by Defen- dant with Farmers Trust Company on 23 June 199:3, which by subsequent bank and bank holding company mergers was then assi(jned to no less than two successor mortgagee entities before being assigned to Plaintiff. In order to prevail in the granting of summary judgment, Plaintiff, which bears the burden of proof in this instance, must produce evidence of facts central to the cause of -2- action and must demonstrate that there are no material issue of facts in dispute. Plaintiff has failed to meet that standard in this instance. See Defendant's Affidavit attached hereto. 5. Defendant's Answer to Plaintiffs Paragraph 4 in Plaintiff's Motion for Summary Judgment set forth above is incorporated herein. As further answer to said Paragraph 5 is the Affidavit attached to Plaintiff's Motion which fails to aver all facts necessary to prove a prima facie case and t'D corroborate the facts as pled in Plaintiff's Complaint. See Defendant's Affidavit attached hereto. WHEREFORE, Defendant requests this Honorable Court dismiss Plaintiff's Motion for Summary Judgment and deny the grant of Summary Judgment to Plaintiff. Dated: & /11 ~'1 I I ~~~ William E. Miller, Jr., Es . MILLER & ASSOCI S, PC 1822 Market Stre Camp Hill, PA 17011 (717) 737-9211 (717) 737-9215 ID No. 07220 Attorneys for Defendant -3- MANUFACTURERS & TRADERS TRUST COMPANY, s/b/m to KEYSTONE FINANCIAL BANK, N.A. POBox 840 Buffalo, NY 14240-0840 : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. No. 04-2333 CIVIL ACTION-LAW ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant AFFIDAVIT IN SUPPORT OF DEFENDANT'S ANSWER TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT ROSEMARY E. GRANT, being duly sworn accordling to law, deposes and says: 1. I am the Defendant, Mortgagor and record owner in the above-captioned action. (hereinafter the "Defendant"). 2. I have personal knowledge of the matters referred to in Defendant's Answer to Plaintiff's Motion for Summary Judgment and as Slst forth below, I make this Affidavit in support of Defendant's Answer to Plaintiff's Motion for Summary Judgment, and that the facts set forth below are a,jmissible in evidence and I am competent to testify to the matters stated herein. 3. Defendant, from and after December 2003, requested of Plaintiff, both in writing and by telephone, through various of its representatives, whose names, ad- dresses and telephone numbers in Buffalo, New York, apparently Plaintiff's principal place of business, had been provided to Defendant requesting a specific listing of the application of all payments 01' principal, interest and escrow amounts theretofore made by Defendant to Plaintilff on the subject mortgage so that Defendant could determine that all of the payments she had theretofore made had been applied to the indebtedness and on account of real estate taxes. 4. Despite such repeated requests, Plaintiff failed to provide, either in writing or by telephone or via E-mail, to Defendant any such sp,scific listing of payments made by Defendant. 5. Defendant also had been working with officers of M&T Bank, an affiliated and commonly owned business of Plaintiff, to resolve past due amounts owed M&T Bank on several commercial loans. 6. Defendant made a payment of Thirty Thousand Dollars ($30,000) on or about 4 June 2004 to M&T Bank, with the request and Elxpectation that officers of M&T Bank would make a payment on account of the mortgage debt to Plaintiff so as to attempt to effect a global settlement repayment schedule of all of the indebt- edness owed by Defendant to Plaintiff and its related entity bank of M&T Bank. 7. Defendant has been advised that despite the best efforts of officers and attor- neys for M& T Bank, they have been unable to reach any such settlement with Plaintiff. 8. While the Affidavit accompanying Plaintiffs Motion for Summary Judgment makes the bold assertion in Paragraph 7 thereof t11at the amounts due on the said mortgage as of the date of the filing of the Complaint was Forty-Four Thousand Six Hundred Twenty-Three Dollars and Eighty-Three Cents ($44,623.83), there is no substantiation offered thereof or any form of an amortization schedule or tax escrow account accolJnting, and a specific date, time and amount of the installments theretofore made by Defendant to Plaintiff on said mortgage indebtedness and escrow account payments. 9. Defendant believes that not all of her payments m1lde to Plaintiff on account under said mortgage were correctly applied, in part as said mortgage was originally entered into by Defendant with Farmers Trust Company on 23 June 1993, which by subsequent bank and bank holdinf;1 company mergers was then assigned to no less than two successor mortgagee entities before being as- signed to Plaintiff. 10. Further, Defendant believes that Plaintiff has not h'::mored the terms and condi- tions of the 23 June 1993 mortgage in that the intel"est rate adjustments have not been complied with in accordance with said mortgclge. 11. In the Spring of 2004, Defendant made two monthl)1 mortgage payments to Plaintiff, which Defendant was told were refused, blJt said payment checks were never returned to Defendant and were cashed by Plaintiff. 12. Defendant received a letter, dated 5 April 2004, from Kim Stewart, Senior Mortgage Counselor, Collections Department of Plaintiff, advising Defendant -2- that Plaintiff was affording her as a courtesy assistance in exploring alternatives in connection with meeting her mortgage obligations. See Exhibit 1 attached hereto. 13. Defendant responded to Kim Stewart's letter, Exhibit 1, by providing all re- quested information. 14. Defendant next received two letters, both dated 5 May 2004, from Mark Hall, Credit Counselor, Collection Department of Plaintiff, advising Defendant to send further tax return information and acknowledging receipt of Defendant's "workout package." See Exhibits 2 and 3 attached hereto. 15. Subsequently, Defendant was advised orally by Mr. Jesse Rogers that her request for a workout was denied. 16. Thereafter, Defendant received a letter, dated 13 May 2004, from Plaintiffs Foreclosure Department advising that Defendant's mortgage documents were forwarded to Plaintiff's attorneys for foreclosure proceedings. See Exhibit 4 attached hereto. 17. Thereafter, with no further notice and with no opportunity to continue discussions with Plaintiff and with Plaintiff continuing to refuse to provide Defendant with any substantiation of the applications by Plaintiff of Delfendant's payments to Plain- tiff, Plaintiff caused the instant foreclosing proceedings to be commenced on 24 May 2004. 18. Meanwhile, Defendant received a letter, dated 8 JlJly 2004, from said Mr. Rogers, Specialist, Loss Mitigation of Plaintiff, regarding workout options, to which Defendant replied to said Mr. Rogers by her letter, dated 16 July 2004. See Exhibits 5 and 6 attached hereto. 19. Defendant has had no further correspondence with Plaintiff since 16 July 2004. See Exhibit 6 attached hereto. 20. Defendant continues to request Plaintiff make available to her a schedule of payments made by her on said mortgage so she cain determine, and challenge if necessary, that Plaintiff has correctly applied all payments made by her on account of the above mortgage indebtedness. -3- 21. Defendant continues to request Plaintiff to negotiate with her to achieve a mutually agreeable workout package so as not to lose her home and principal residence to Plaintiff's foreclosure. I hereby verify the foregoing to be true and c Date: t /I-&y /.~7~ //v ROS ,RY E. GRANT Sworn to and subscribed before me this Ilf'uay of August, 2004. ~ ~ .)ok~ Notary Publ'i'1:-' r'-- NOTARIAL SEAL '\J,~R,:ORI.E L JOHNSON, NOla Public '." d.'!'D ,~11I80r0., Cumberland dounty '>,;" "~I~n Ex Ires A '115, 2007 -4- m1 M&rMortgage Corporation A S.~bSidlary of M&T Bank ,;;:;:;~;'-;"~":",:~2,;--:-~ April 05, 2004 Rosemary E Grant 342 Walton St Lemoyne, PA 17043 RE: Mortgage No. : Property: 0009794322 342 Walton St Lemoyne PA 17043 Dear Mortgage Customer(s) ***Please Note*** ***Please Note*** This notice does not constitute an effort to collect on a duly and legally discharged bankruptcy filin,r. We are complying with the requirements of your paJ::',t:.:i,gular"doaILand,the.,.in,Y~ftt:g):'.","~ reporting guidelines thereby,""We are affording you this courtesy". in order.,that.."you."m<;iY avoid the foreclosure of your property. .'.",,",,' -.' ~ - , ......'..n,..""..."."',.""'.."_,<'"..:'.",;:.""...,.>.,,..,.,.,. ""..~'. ..."-"""".."..'c,;.,.......""'"'''.,.,''',-,:'.,.',i~'';'';_'''''."C"l""";"''''''''",,",''''''''i'''''''~"';''~''';''''''.;''~~~''''<t;-J).'''~(,."=".:~:.... We have reason to believe that you are havin,r difficulties making timely mortgage payments. We are concerned about the difficultie,s you may be experiencing, and M&T M~t~a~e co~-~oration offers. altern~r;'\TP~ tn yon when tnp,qp dif 'r 1 ;,:::>Q 'nll~P you to become delinquent on your mortgage payments. Whether it is a decrease in incoine, or an increase in expenses, or possibly some other hardship, we may be able to help you explore alternatives to help bring your mortgage account current. Please enclose the following: 1. Letter of hardship, stating the nature of your problem. (i. e. decrease in income or incr-ease in expenses) 2. Verification of ALL household income (i.e. child support, rental agreements, social security, disability, unemployment) including two current pay stubs, if applicable. 3. Current tax return (with W-2s and all schedules) and/or profit and loss statement if applicable. --.-.4. Complete the enclosed financial summary form. In order to discuss workout options, all of the above information must be received. If for any reason, you are missing any information please note as to why that information is missing in your letter of hardship. Once received, the completed financial information will be reviewed to determine what the best program for assistance is available to you. ~I 18007241633 . Correspondence - P.O, Box 840. Buffalo, NY 14240-0840 . Payments- P.O. Box 444, Buffalo. NY 14240,0444 Morlgage account information, just a click away. www.mandtmortgage.com !I M&I'Mortgage Corporation A Subsidiary of M&T Bank If your intention is to sell the property and you currently have an offer, please send a copy of that offer and closing statement along with the workout materials. However, if you do not have an offer please contact us as soon as possible for information on selling your property. Please be advised that all collection and foreclosure efforts will continue uninterrupted during our evaluation of your package contents; so it is urgent that you get the necessary materials in to us as soon as possible. /'" , If you have any questions, please call us at (800) 724-1633(112'-) Sincerely, Kim Stewart (1'1 I 22) · Sr. Mortgage Counselor ~I Collections Department Fax Number: (716) 848-3501 Hours: Mon.-Thurs.9AM-9PM;Fri.9AM-5PM;Sat.8~~-12PM (EST) Ene. Inv: 105 - M&t Bank (keystone) CL150 ~~/flQIJI. ~. ;: , ./ -- _'k ,I' h," do--v ~ ---{.J ~ ~rij f"/~ .r--'.' '// ,;/ I 1 8007241633 . Correspondence - P.O. Box 840, Buffalo, NY 14240-0840 . Payments- P.O. Box 444, Buffalo, NY 14240-0444 Mortgage account information, just a click away. www.mandtmortgage.com Pm M&rMortgage Corporation A Subsidiary of M&T Bank ../~ ~_/?-:;tf{ I/to '. May 05, 2004 Rosemary E Grant 342 Walton St Lemoyne, PA 17043 RE: Loan No. 0009794322 Dear Mortgagor(s) Thank you for your recent request for a workout package on your mortgage account. However, it is urgent that you mail or fax the following additional information in order to process your request. please send a complete copy of your most recent tax returns to complete your workout package. It is urgent that you get this information in to expedite the processing of your package. Please send the necessary information to my attention within seven business days. The information may also be faxed to (716) 848-3501. If you have any questions regarding this request, please call me at 1-800-724-1633. Sincerely, Mark Hall Credit Counselor Collections Department Fax Number: 1-716-848-3501 Hours: Mon.-Thurs.9AM-9PM;Fri.9AM-5PM;Sat.8AM-12PM (EST) CL154 ~Z- 18007241633 . Correspondence - P.O. Box 840, Buffalo. NY 14240,0840 . payments- P.O. Box 1364. Buffalo, NY 14240,1364 Mortgage account information, just a click away. www.mandtmortgage.com Fl:1 M&fMortgage Corporation A Subsidiary of M&T Bank May 05, 2004 Rosemary E Grant 342 walton St Lemoyne, PA 17043 RE: 0009794322 342 Walton St Lemoyne PA 17043 Dear Mortgage Customer(s): Mortgage No. Property: This is to acknowledge receipt of the workout package you have submitted for review by the Workout Department. We are in the process of reviewing your eligibility for a designated program. Thank you for your continued patience and cooperation. If you have any questions regarding this, please feel free to contact me at 1-800-724-1633. Sincerely, ~p Workout Department LM074 2fL1J -. ~:> 18007241633 . Correspondence - P.O. Box 840, Buffalo, NY 14240-0840 . Payments- P.O. Box 1364, Buffalo, NY 14240-1364 Mortgage account information, just a click away. www.mandtmortgage.com PI M&fMortgage Corporation A Subsidiary of M&T Bank May 13, 2004 Rosemary E Grant 342 Walton St Lemoyne, PA 17043 RE: Loan No.: 0009794322 Property: 342 Walton St Lemoyne PA 17043 Dear Mortgage Customer(s) : This is to advise you that your mortgage documents have been forwarded to our attorney's office for foreclosure proceedings. All communications concerning the mortgage must now be directed to the following attorney office: Goldbeck,Mccafferty & Me Mellon Ind Cntr Ste 5000 701 Market Street Philadelphia, PA 19106 (215) 627-1322 If you wish to retain your home, we urge you to contact our attorneys at once. Sincerely, Foreclosure Department Residential Mortgages XF012 ~f 1800 7241633 . Correspondence - P.O. Box 840, Buffalo, NY 14240-0840 . Payments- P.O. Box 1364, Buffalo. NY 14240,1364 Mortgage account information, just a click away. www.mandtmortgage.com fl:1 M&fMortgage Corporation A Subsidiary 01 M&T Bank July 08, 2004 Rosemary E Grant 342 Walton St Lemoyne, PA 17043 RE: Loan No.: 0009794322 Dear Mortgagor(s) Thank you for your recent request for a workout package on your mortgage account. However, it is urgent that you mail or fax the following additional information in order to process your request. PLEASE CONTACT ME TO PROVIDE ME WITH A STATUS SO WE CAN EXPLORE WORKOUT OPTIONS. It is urgent that you get this information in to expedite the processing of your package. Please send the necessary information to my attention within seven.busineE?)'l days. The information may also be faxed to (716) 848-3501 ;.' If you have any questions regarding this request, please call me at 1-800-724-1633. r Hours: Mon.-Thurs.9AM-9PM;Fri.9AM-5PM;Sat.8AJ1-12PM (EST) CL154 ~J/ 1 8007241633 . Correspondence - P.O. Box 840, Buffalo, NY 14240~0840 . Paym9nts - P.O. Box 1364, Buffalo, NY 14240-1364 Mortgage account information, just a click away. www.mandtmortgage.com Rosemary E. Grant 342 Walton Street Lemoyne, Pennsylvania 17043 717-774-0395 - Fax 774-6547 July 16, 2004 Mr. Jesse Rogers Specialist Loss Mitigation M & T Mortgage Corporation P.O, Box 840 Buffalo, New York 14240-0840 Re: Home Mortgage No. 0009794322 Dear Mr. Rogers: This is in response to your July 8, 2004 letter regarding my status. My attorney, William E. Miller, Jr. and I met with Keith P. Mangan, Vice President of M&T and Matt Eshelman, M & T Attorney, to review the outstanding debt I owe M & T and agreed upon steps I need to take to get back on track. In additie.n, the lawsuit with Frank Piscioneri / Presence was settled in full by payment of $42,000, payable to Miller & Associates, P .C. (my attomey's firm), Mr. Miller hand delivered a check to Matt Eshelman, Attorney for M & T, payable to Manufacturers & Traders Trust Company in the amount of $30,000, These proceeds were distributed against debts with Manufacturers & Traders Trust Company, overseen by Keith P. Mangan, V.P. and my home mortgage loan 0009794322. I did not receive 'one cent nor one dollar" from the settlement payment as the balance currently resides in escrow and most likely will be payment for the attorney's fees. I am desperately interested in keeping my home that I hav,a been paying on since March of 1983. The information provided by fax and through our previous telephone discussion remain the same. I would like to explore the possibility of extending the maturity date of the mortgage loan from 2008 to perhaps 2014 or 2015. The reduction in the payment amount would be extremely helpful for me in making my payments to M & T Trust Company and M & T Mortgage Corporation. I would be available to talk with you momings before 11 :00 A.M. and during the day on Tuesdays and Wednesdays (my weekend) while currently employ'ed with Home Depot. Please don't hesitate to call and leave a message. Thank you for your inquiry and I look forward to your response. Sincerely, Rosemary E. Grant [ faxed 7/16 & mailed] 2~b MANUFACTURERS & TRADERS TRUST COMPANY, s/b/m to KEYSTONE FINANCIAL BANK, N.A. POBox 840 Buffalo, NY 14240-0840 : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. No. 04-2333 CIVIL ACTION-LAW ROSEMARY E. GRANT Mortgagor and Record Owner 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant CERTIFICATE OF SERVICE, I, William E. Miller, Jr., Esquire, attorney for Defendant, ROSEMARY E. GRANT, hereby certify that I have caused a true and correct copy of the Defendant's Answer to Plaintiff's Motion for Summary Judgment to be served by first class mail, postage prepaid, on the date set forth below, upon the following entity/individual, alttorney for Plaintiff: Lisa A. D'Angeli, Esquire Goldbeck McCafferty & McKee,ver Mellon Independence Center, Suite 5000 701 Market Street Philadelphia, PA 19106 Dated: ~ /,/0 y ~~",-_.,_/_-4 WILLIAM E. MILLER, JR. QUIRE ,,-> CO) 5;.i: o ,'1 ::;:J r:j :::D r.... ,-/1 ":J , (~~ o"n ~ 10') rn ~ PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be tvoewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. -------------------------------------------------------------------------..--------------------------------- CAPTION OF CASE (entire caption must be stated in full) Manufacturers & Traders Trust Company S/B/M to keystone Financial Bank, N.A. S/B/M Farmers Trust Co. PO Box 840 Buffalo, NY 14240-0840 (plaintiff) vs. Rosemary E. Grant 338 & 342 Walton Street Lemoyne, PA 17043 (Defendant) No. 04-2333 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.); Plaintiffs Motion for Summary Judgment 2. Identify counsel who will argue case: (a) for plaintiff: Address: Leon P. Haller, Esquire 1719 N. Front Street Harrisburg, PA 17102 (b) for defendant: William E. Miller, Jr., Esquire Address: 1822 Market Street Camp Hill, PA 17011 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: September 22, 2004 LQJ~'~rr- Attorney for Plamti n ~.~ ('," r-.> 0:;:;:) c.'J ...1;;- ;;.. c- d: o -" :.:,:1 ni?J I:")fTI .:;JO r"._'\ r ~~~i ~:::..::! -j;:> ~J:.J -~... ~) o~ MANUF ACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. SIBIMI FARMERS TRUST CO., Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LA W 04-2333 CIVIL V.s ROSEMARY E. GRANT, Defendant IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE BAYLEY AND HESS, J.1. ORDER o~ AND NOW, this iT day of November, 2004, following argument thereon, it is ordered and decreed that the plaintiffs motion for summary judgment is GRANTED in the amount of $44,623.83, together with interest from and after June 1,2004, to the date of Sheriff s Sale at the rate of $4.28 per day, and for foreclosurl~ and sale of the mortgaged premIses. BY THE COURT, vLsa A. D' Angeli, Esquire For the Plaintiff ". A J. FiLfD-O!+:GE O,~;" TH::: DDr'lT:.:r:\~r)T:.IQ')f I fi..., I j. ! .......' ;; '--4-'; _~. 'J 1.; , 2DD~ t~ov -8 Fn 2: S3 CUt,;:,::., ;,...i ~:JJf\.ffY P~-i\j ;\; S'{:... \/,-~. \1 Ill, Manufacturers & Traders Trust Company VS Rosemary E. Grant In The Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2004-2333 Civil Term R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per instructions from Attorney Joseph Goldbeck. Sheriff's Costs: Docketing Poundage Law Library Prothonotary Levy Surcharge Share of Bills 30.00 1.94 .50 1.00 15.00 30.00 30.73 $ 109.17 Sworn and subscribed to before me This /3"- d71i)~ 2005, AD. '--IT~ I) /h,M, ~~.~~ Prothonotary R. Thomas Kline, Sheriff "~ BY') J~ e Deputy &0 \ I Ck... '-I 'i'3 G- 9 I!.~ /S'l6VI Goldbeck McCafferty & McKeever BY: Joseph A. Goldbeck, Jr. Attorney LD. #16132 Suite 5000 - Mellon Independence Center 701 Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff MANUFACTURERS & TRADERS TRUST COMPANY S/BIM TO KEYSTONE FINANCIAL BANK, N.A. SI8IM FARMERS TRUST CO. PO Box 840 Buffalo, NY 14240-0840 IN THE COURT OF COMMON PLEAS of Cumberland County Plaintiff vs. CIVIL ACTION - LAW ROSEMARY E. GRANT (Mortgagor(s) and Record Owner(s)) 338 & 342 Walton Street Lemoyne, PA 17043 ACTION OF MORTGAGE FORECLOSURE Defendant( s) No. 04-2333 AFFIDAVIT PURSUANT TO RULE 3129 MANUFACTURERS & TRADERS TRUST COMPANY S/B/M TO KEYSTONE FINANCIAL BANK, N.A. SIB/M FARMERS TRUST CO., Plaintiff in the above action, by its attorney, Joseph A. Goldbeck, Jr., Esquire, sets forth as of the date the praecipe for the writ of execution was filed the following information concerning the real property located at: 338 & 342 Walton Street Lemoyne, P A 17043 I.Name and address ofOwner(s) or Reputed Owner(s): ROSEMARY E. GRANT c/o William E. Miller, Esquire 1822 Market Street Camp Hill, PA 17011 2. Name and address ofDefendant(s) in the judgment: ROSEMARY E. GRANT c/o William E. Miller, Esquire 1822 Market Street Camp Hill, P A 17011 3. Name and last known address of every judgment creditor whose judgment is a record lien on the property to be sold: DISCOVER BANK 1608 WALNUT STREET PHILADELPHIA, PA 19103 FRANK PISCIONES 3580 GETTSBURG ROAD CAMP HJLL, PA 17011 M & T TRUST COMPANY 133112THAVENUE ALTOONA,PA 16601 DOMESTIC RELATIONS OF CUMBERLAND COUNTY PO Box 320 Carlisle, PA 17013 P A DEPARTMENT OF PUBLIC WELFARE - Bureau of Child Support Enforcement Health and Welfare Bldg. - Room 432 P.O. Box 2675 Harrisburg, PA 17105-2675 4. Name and address of the last recorded holder of every mortgage of record: FARMERS TRUST CO. WEST HIGH STREET CARLISLE, P A 17013 KEYSTONE FINANCIAL BANK 4231 TRINDLE ROAD CAMP HILL, PA 17011 5. Name and address of every other person who has any record interest in or record lien on the property and whose interest may be affected by the sale: 6. Name and address of every other person of whom fue plaintiff has knowledge who has any record interest in fue property which may be affected by the sale. 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. TENANTS/OCCUP ANTS 342 Wahon Street Lemoyne, P A 17043 (attach separate sheet if more space is needed) 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. Section 4904 relating to unsworn falsification to authorities. GOLDBECK BY: Joseph A. Attorney for PI DATED: November 30, 2004 04-2333 GOLDBECK McCAFFERTY & McKEEVER BY: Joseph A. Goldbeck, Jr. Attorney I.D.#16132 Suite 5000- Mellon independence Center 701 Market Street Philadelphia, P A 19106 215-627-1322 Attorney for Plaintiff MANUFACTURERS & TRADERS TRUST COMPANY SI8IM TO KEYSTONE FINANCIAL IN THE COURT OF COMMON PLEAS BANK, N.A. S18IM FARMERS TRUST CO. PO Box 840 of Cumberland County Buffalo, NY 14240-0840 Plaintiff CIVIL ACTION - LAW vs. ROSEMARY E. GRANT Mortgagor(s) and Record Owner(s) ACTION OF MORTGAGE FORECLOSURE 338 & 342 Walton Street Lemoyne, PA 17043 Term No. 04-2333 Defendant(s THIS LAW FIRM IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT. THIS NOTICE IS SENT TO YOU IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. NOTICE OF SHERIFF'S SALE OF REAL PROPERTY TO: GRANT, ROSEMARY E. ROSEMARY E. GRANT clo William E. Miller, Esquire 1822 Market Street Camp Hill, PA 17011 Your house at 338 & 342 Walton Street, Lemoyne, PA 17043 is scheduled to be sold at Sheriffs Sale on Wednesday, March 02, 2005, at 10:00 AM, in Commissioners Hearing RID 2nd FL Courthouse to enforce the court judgment of $46,375.53 obtained by MANUFACTURERS & TRADERS TRUST COMPANY S/BIM TO KEYSTONE FINANCIAL BANK, N.A. SIBIM FARMERS TRUST CO. against you. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale you must take immediate action: 04-2333 1. The sale will be cancelled if you pay to MANUFACTURERS & TRADERS TRUST COMPANY SIB/M TO KEYSTONE FINANCIAL BANK, N.A. SIB/M FARMERS TRUST CO., the back payments, late charges, costs and reasonable attorney's fees due. To fmd out how much you must pay call: 215-627-1322 2. You may be able to stop the sale by filing a petition asking the Court to strike or open judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. Yau may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. (See notice below on how to obtain an attorney). YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES NOT TAKE PLACE. I. If the Sheriffs Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid price by calling the Sheriff of 717-240-6390. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriff the full amount due in the sale. To find out if this has happened. you may call the Sheriff of717-240-6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have a right to remain in the property uotil the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff thirty (30) days from the date of the Sheriffs Sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten (10) days after the schedule of distribution is filed. 7. You may also have other rights and defenses, or ways of getting your house back, if you act immediately after the sale. 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 LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LEGAL SERVICES INC 8 Irvioe Row Carlisle, P A 17013 CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue Carlisle, P A 17013 .TRACT NO.1, cn~ '-f ),/)..?.. THAT CERTAIN piece tar pare"l of h.nd 11tuate in tile BorO~9h of L~Vh4h (ognt.v of Cumberland and. S~t.e of Pe~n.ylv,',~ni., ~Ql.IJ'l.d.d and d.Bcrl~ed A~ fol1~w., to witl B.OOIH'Hl'MG at II a:;.aint gn the southern aide of WAlton Str.et thr.. h...ndrsd tbirtY-Ieven and ll:!.Lght tenth. (JJl. 8) feet ......\.ared 1n A we.tetlV' d1rect.l.oR frai" RO.8mor.~~ 8tr...t. ('th.J..rd. St.I..t) J thence .o\lth".~41y .101'19 . I1ne pu'.11.1 with Ra..II'OYnc Street. two ftwadr.,4 UOO) f..~ to an 11'011 p1n,. tbtnCle 'flutW&.C'd.I.y .1otuJ 1..."," ncw or fonerly Qf ~y L. Str.yel' pec&11el with ll.lton Street .i.tr ('OJ teet to an iron p.:l.n, theRe.. northwardly .l.on9 :$.id Cuy L. Strayer'. J..and tvo tU,l.n.cke4 UOG) feet. t.o .... iro-"I pin on the .OtJithorn aide ot w.lton Street. th.nca' ,cOatwardll' aloh'l the .outhlll'h 11". of Walton Street ..htty (fiO) teet. to . pOin.t. t.tw place Ql Bc,lnnln9_ HAVING thereon 81".ctect a dwellJ.n, known. and n\1ftlbered ~\a 338 Walton Stre6tl Lemoyne, p.nnaylvAn1_. BEING the Same pre~i$es whic~ Ruth U. McCracken, Widow, by deed dated 9/19/88 and recorded in che CUmberldnd Count~ Recorder's Office in OOed Book 33-Q, paqe 157, gra.nted dnd conveyed unto RC$elllary E. . Grant, the "ortgagor herein. TRACT NO.2: ALL 'TtlAT CERTA.IN pioce or pArcel af land lliie"ated in th. lIioto\lgh of Lcmoyno. County of CUJllbcrh,nd .nd State o-f l'enn&yLv6n.h. .lhOU parc1cula.rly bOl.lnd~d. hno d1!."c.ribeca ... 10\ law", to wi'l DEC1NNING at a point on the &ou~h~c\, 11~~ of WaltDn Street at the lnt~r&ectlon of the lLne of landa ~ow or forMQrly of John McFaddenl thence ln A louthelly'dlrection alona landA nov.or for~~Ly of John Hcfaddcn, 400.0 feet to a point on tn( line of l~nd.'nG~ (Jl" .formor\)' n{ \I(ll'l:i 1\iH\s6n: thence in an a.sterly direc:.tton along 1 ands now or formerly of Hans Hanson _nd parallcl ~lth ~.l~on Streae 200.0 feat ,t~ an 1ron ptnl the"ce ln a nofthl!:fLy direcr;f.on alo~a ocher, h.nds n~\t Of C01'1tal!:'t\y Df soLd ~.ni ~lIl'laon and 1~nd6 no~ or {oTmerly of >>runner 200.0 feQ~ to a point; thencQ In a we$tcrly dlrcc;tlon dong 4t Un" pal'.lllel with Walta" Street and Along hods MW' or fotmerly of Fred l-'ox and oth.ur laC\ds., nor or {orrlltri.y of 1\\11I<1o E. St,r'4YClI' I And Cu', 11. Stl'.l)'cr, ..n4 hnds t\(lv.or formerly of KarLe 1:, Stuyer. 1'30.0 feet. to 4 polnti ,;nef\Ce i~ a northerly direction along land~ no~ or fotm4r1y of Karie E. Strayer ~aa.Q (~.t to a ~o1nt 01\ tne iQ\lther\y ~1"o of IlIlo~tOn Str~er;1 th~nce aloRa Walton SI;rut 1n ....we.terly ~lrect'on ~O.O fu~t to ~ point, the plo~o Q{ BECINNINC. ltAVINC TUERl::ON ERECTED a ilngle 1~ $tory (cape cod) dwelling hou&.e k'loW1\ And nl,lmbend as 342 Walton Street. L~moynet Penn$ylv.ni~. UNDER AND.SUDJECT. neYcr~heLe5~1 to ~a5ements~ rOGtr{ctlons, re$~rva:LQn91 ~ondiLlon& 4nd tIthee of way of r~cD(d. BEING the same premises which Nathalie G. Sato, single p~rscn, by deed dated 4/22/83 and recorded in tho Cumberland County Recorder's Office in Deed Book ]O~E, page 81, granted and conv.y&d unto,Rosemary E. G~~nt, the Kortgagor herein. ' Z~lUBl'1' "A" bOOK 111'7 iMi' 120 '- f'f' ,.\. \. \ '-. ..~ " \ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) . COUNTY OF CUMBERLAND) TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due MANUFACTURERS & TRADERS TRUST NO 04-2333 Civil CIVIL ACTION - LAW COMPANY SIBIM TO KEYSTONE FINANCIAL BANK, N.A. SIBIM FARMERS TRUST CO., Plaintiff (s) From ROSEMARY E. GRANT (I) You are directed to levy upon the property of the defendant (s)and to sell SEE LEGAL DESCRIPTION (2) You are also directed to attach the property of the 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 eJ\joined 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 otber than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $.q"j/ C:l3. 83 L.L. $.50 Interest FROM 11/29/03 TO 3/2/05 AT 4.6590% Ally's Conun % Atty Paid $121.04 Plaintiff Paid Date: DECEMBER 1, 2004 Due Prothy $1.00 Other Costs CURTIS R. LONG (Seal) prothon;z ~ ~ ~: a..--....1? . ~A/Y ,r Deputy REQUESTING PARTY: Name JOSEPH A. GOLDBECK, JR., ESQUIRE Address: SUITE 5000 - MELLON INDEPENDENCE CENTER 701 MARKET STREET PHILADELPHIA, PA 19106 Attorney for: PLAINTIFF Telephone: 215-627-1322 Supreme Court ill No. 16132 Real Estate Sale #34 On December 02, 2004 the Sheriff levied upon the defendant's interest in the real property situated in Lemoyne Borough, Cumberland County, PA Known and numbered as 338 & 342 Walton Street, Lemoyne, more fully described on Exhibit "A" filed with this writ and by this reference incorporated herein. Date: December 02, 2004 By:Jadt{ Jtwl~ Real Estate Deputy {:'"~ c:::;n) !::~.,--\l If,^,'.-~."] -'..:'!! it''',''II " :f d I - :130 /J06Z , tfd il.1 :l:l1113~~Oj,H~~I#lmg3 , ~