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Home My WebLink About02-0491-'McCABE, WEISBERG AND CONWAY, P.C. BY: TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Co. of Pennsylvania P.O. Box 8621 Elmhurst, IL 60126 Vo Mary L. Thomas 300 Shippensburg Road Shippensburg, PA 17257 Attorney for Plaintiff Cumberland County Court of Common Pleas Number CIVIL ACTION/MORTGAGE FORECLOSIIRR NOTICE AVISO You have been sued in court. If you wish to defend against the claims set forth in the fo[Lowing pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personalLy or by attorney and filing in wpiting with the court your defenses or objections to the claims set forth against you. You are warned that if you faf[ to do so the case msy proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or ppoparty or other rights important to you. Le han demsndado a usted en la corte. Si usted quiere defenderse de estas demsndas ex-puestas en [as paginas siguientes, usted tiene veinte (20) dias de p[azo al partir de la fecha de la demsnda y la notificacion. Hace fa[ta asentar una coff~arencia escrita o en persona o con un abogedo y entpegar a la corte en forms escrita sus defensas o sus objeciones a [as demsndas en contra de su persona. Sea avisado que si usted no se defiende, la corte tonmra medidas y puede continuar la demsnda en contra suya sin previo aviso o notificacion. Ademss, la corte puede decidir a favor de[ demsndante y requiere que usted cump[a con tedas [as provisiones de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumber[and County Bar Association 2 Liberty Avenue Cap[is[e, PA 1701] (717) 249-31~ Cumber[and County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 MCCABE, WEISBERG AND CONWAY, P.C. BY= TERRENCE J. McCABE, ESQUIRE Identification Number 16496 First Union Building 123 South Broad Street, Suite 2080 Philadelphia, Pennsylvania 19109 (215) 790-1010 Attorney for Plaintiff Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Co. of Pennsylvania P.O. Box 8621 Elmhurst, IL 60126 Vo Mary L. Thomas 300 Shippensburg Road Shippensburg, PA 17257 Cumberland County Court of Common Pleas CIVIL ACTiON/MORTGAgE FORECLOSU~_m 1. Plaintiff is Beneficial Consumer Discount Company d/b/a Beneficial Mortgage Co. of Pennsylvania , a corporation duly organized and doing business at the above captioned address. 2. The Defendant is Mary L. Thomas, who is the mortgagor and real owner of the mortgaged property hereinafter described, and her last-known address is 300 Shippensburg Road, Shippensburg, PA 17257. 3. On 11/22/99, mortgagor made, executed and delivered a mortgage upon the premises hereinafter described to Plaintiff which mortgage is recorded in the Office of the Recorder of Cumberland County in Mortgage Book 1583, Page 748. 4. The premises subject to said mortgage is described in the mortgage attached as Exhibit "A" and is known as 300 Shippensburg Road, Shippensburg, PA 17257. 5. The mortgage is in default because monthly payments of principal and interest upon said mortgage due August 2001 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 7/2001 through 12/31/01 (Plus $29.37 per diem thereafter) Attorney's Fee $ 4,467.35 Cost of Suit $ 225.00 Appraisal Fee $ 125.00 Title Search $ 200.00 GRAND TOTAL $ 89,347.15 $ 13,360.55 $107,725.05 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 as required by Act 6 of 1974 (41 P.S. §403) and notice required by the Emergency Mortgage Assistance Act of 1983 as amended under 12 PA Code Chapter 13, et seq., commonly known as the Combined Notice of Delinquency has been sent to Defendant by regular and certified mail. WHEREFORE, Plaintiff demands Judgment against the Defendant in the sum of $107,725.05, together with interest at the rate of $29.37 per diem and other costs and charges collectible under the mortgage and for the foreclosure and sale of the mortgaged property. TERRENCE J. McCABE, ESQUIRE Attorney for Plaintiff VERIFICATION The undersigned, Kevin Marshall, hereby certifies that he is the Foreclosure Specialist of the Plaintiff in the within action, he is authorized to make this verification and that the foregoing facts are true and correct to the best of his knowledge, information and belief and further states that false statements herein are made subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsification to authorities. KEVIN MARSHALL JAN 07 2002 12:22 FR BENEFICIAL 630 617 780E TO S12157~05990 [~ IF BOX 15 CHGC~GD, ~lS MoETG~GE IS ~N OPSN~ND MORTGAGE A~ SECURES ~TU~ ADVA~ ~S MOR~GAOE ~ m~ ~his ~Y 22N~ ._ of ~ 19~, ~RY L, ~e followies p~a~aph pr~eded by ~ c~eoke~ boz is applimb~. Bo~w~ is ind~b~d m ~ in the prind~[ ~m ~ $ W~, -- . · amour of ~ym~m or ir~lm~m of ~i~I and i~;~ in~n~ ~Y ~tm~ to ~ ~te is vs~sblm. ~ ~ ~s~ of th~ i~n~, lh~ ~ may ~ ~ ~ant W B~'s R~l~ng ~ A~mm~' 199D ' and ex~io~ ~ ~wals thief (h~fl ~d*r ~e t~s ~i~ i~ ~ No~ i~l~i~ any Wo~flg for s ~it limil s~t~ in ~ p~n~l ~m a~vo and ~ inlZ~ ~van~ ~ $~, 000.00 TO S~ m ~der the ~ym~t i~l~ mY i~ if ~e co~ ram is varlabJel (2) fut~ ~ u~ mY ~ng Lo~ A~m~g ~e ~ym~t of all ~ ~ms, with in~ ~e~, ~t~; a~ (4) ~e ~ance ~ ~by m~, ~ant a~ convey ~ ALL THAT cERTAIN PROPERTY SITUATED IN THE TOWNSHIP OF HOPEWELL IN HE COUNTY OF CUMBERLAND AND C0k4vl0NWEALIH OF PENNBYLVANIA BEING MORE FULLY DESCRIBED I i FEE BIIvlPLE DEED DAT£O 0410311997 AND RECORDED 0510111991 AMONG THE LAND RECORDS OF THE OUNY AND BTATE SET FORTH ABOVE IN VOLUME 16~ PAGE Ftk~ ~Y tlllllllllllllllllllll fA(]01251 'EXHIDIT "A" JAN 07 2002 12:22 FR BENEFICIAL G30 Gl7 7802 TO 812157805990 P.I~ TOGETI-LER with all the improvements now or hereafter erected on the property, and all easements, rights, appurtmlancea and rents, all OF which shall be clearnM to be and remalri s pert of the ~.-5perty covered by this 'Mort~ge: nnd all of ~he foregoln~, ~ogether with said property (or the lnase~old ea=tste if this Mortgage is on a l~9~hold) a~e he~nnfce~ ~erred to as~he "Prope~y.* ' Bo~'ower ~zvenants ~mt ~or~owe~ is lawfully seised of the estate hereby conveyed and has th~ right to mortgage. grant and convey the Property. and that the prope~y is unencumbered, ex,,pt for encumbr~ces of record. Borrower ¢oven~ts that ~orrovzer warrants and will defend generally the title to the Property against all claims and demands. aubj, ctm encuml>ran~e.s of record. U~ORM COV'I~N~. ~eorrower and Landga' covenant and a~-ee as follows: i. Paymmnt of Principal and Int~st at Variable Ratas. This mortga~ secures ali payments of ~r~ncipal and intm~st due on a ~rlable ~te loan. The sontra~ ~ate of incest and payment amounts may be subject to change as provided in the Note. Borrowers s~all Proml~J¥ pay when due all arnounm required by th9 Note. 2. Funds for Tn~ea and lnsm'anc~. Subject to appllea~le law or waive~- by Leag~. l~orrower ~ali pay to Lender on the dsy montt~ly payrolls of principal and fntere~ arc payable ~nder the No~e, untll the ~om is paid in full, a sum (here~ri *Funds") equal ~o one=twelfth of the ysarly ~axe~ and assemments (including condominium and planned unit development asse~ments, if any} which may a~n p~ority over thls Mortgage ~d grovel ren~s on the Prope~y. if any, plu~ on~weLfth of yearly premium installments for he~ard ig~s~ance, pl~ one=tweJf~ of yearly premium installments for mortgage insurance. ~f assr. all as reasonably e~mated io~ially and from t~mo to t~me by Len~r on th~ b~is of aase~mants and blll~ and r~asunable e~matea +.hereof. ~rower shall not be obliga~l to make such payments of Pup. ds to Lender to the extent Chat l~rrotzer make~ such payments to the Imider of a l~or mortgage or d~d of trust Lf such holder is an in'to, tonal lender. If ~orrower pays Funds to L~nder. the ~ shall be held in an insthution thc dep~i~9 or accounts of which are i~ed or ~uaran~ by a Federal or ~tate ageocy (including Lender ii' Lender is so~h an institution), Lender shall apply the Funds to pay said texe~, assessments, irmuran~ premiums and ground rents. Lender may not charge for so · holding and applying the Funds, analyzing said a~ou~ or v~ri~ing and compiling said assessments and bills, unless Lender pays Borrower in~-es~ on the Funds and applicable law permiis Lender to make m~0h a char~. Borrower and Lender may agree in writing at the tim~ of elec~ion of this Mortgage ~hat inlerest on the l~'tmds shall be paid to Borrower, ~ unless such a~r~-rnent is made or spplieabl~ law requires such interest to be paid, Lender shall not be re<lulr~l to pay Borro~v~r any int~sst'or earninss on the Funds. Lender shall ~iw to Borrower, without charge, an annl~al socony, lng of the Funds showing credits and debits to the l:~ds and the p~i~s~ for which each debit to the Funds was made. The Funds are pledged as additional security for th, sums ~0ured by ~ Morcga~ If the amount of the Funds held by Lender. telpher with the future monthly instsllmenis of l%nds payable prior to the due daces of taxes. ~ents, tastee premiums and ground r~nts, shall exo~d the amoont required to pay said tsxes, assmmments, insurance premioms and ~rourid rents ns the)' fall due, such exc-e~ shall be, st Borrower's option, either promptly repaid to Borrower or credited to Bus'ewer on monthly ins~altmen~s of Funds. If the amount of the Fun~ held by Lerider shall riot be sufficient to pay taxes, assmsmenls, in.~'~nce prernlurn~ and ~rotmd rents as ' they fall due. Borrower si,all pay to as Lender may require. Lender any amount neea,~ry to make up the deficiency in one or more payments Upon paym~t irt full of all sum~ se~urmd by this Mortgage, Lender shall promptly ret'end to BOrrower any funds held by L~der. If under paragraph 17 hersof the Prepay is sold or the Property is otherwias acquired by Lendsr, Lender shall apply, no later than immediately prior to the sale of the Property or its a~u~tion by Lender, any held by Lender at the gme of appllcagon as a credit a~ir~ the SUms ~ by this Mortgage. Funds $. Application of Paynleats. Elr~ for loacm ~nag~ pursuaot to the Pennsylvania Consumer Di~oo~nt Company Act, all payments received by Lender under the Note and paragraphs I and 2 hereof shall he applied by Lender first in payment of nmo~nts payable to Lender by l~row~r under paragraph 2 h~, then to int~ and th~n to the principal. 4. Prior Mortgages and Deed of Trustl Chsr~es; Liens. ]Sorrower shall per[orm'all o~ Borrower*s obli~agons trader any mo~gn~e, ~___,2~d of ~ or other s~."~rlty a~reamant with a Ilea which has priority over this Mortgage, in¢Indln~ Bon-ower's covenants m make pay.m.,erits when due, Borrower shell pay or cause to be ~ald all taxes assessments and other c. hat-~, linen and imlxlSltions attributable to thc Property which may attsi~ a priority- over thi~ Mortgage, and leasehold payments or ground rents, if any, 0g-20-99 MT(; PA001262 IBIIIIIIIIIIIIiIIIBIII Il IIII I III , ,,. .... 2002 12:23 FR BENEFICIAL ~30 Gl? 7802 TO S12157905990 p. ~ura,,ce Borrower ~hall ke~ ;h~ ~m~em~ ~w f~ a~bla m ~ ~d ~ll inclu~ a s~n~ mo~ga~ c~ in favor of ~d in a f~m ~ble ~ ~. of l~if n~ m~e ~om~ly by m ~ sums ~rM ~Y ~i~ ~ge. . ......... T ~--holds' C~dominium~; Hanae~ Unit Devclopm~. in a ~n~m~ium or a ~ann~ u~x ~x. ~~t ~orm aB o[ ~w~'s o~i~9~ ~n~ Pro~otion of ~n~'s S~fity. ]f ~w~ f~l~ ~ ~f~ the ~v~n~ aM a~m~ ~m~ Mo ge, or ~f ~Y ~ttofl or ~t~g ....... ~sv · S~ a~ diS~ ~ ~ms, tacl~t~ ~mnati~ ~ oth~ ~r, ng oZ x~ ~" ~ ' 7. ...... ~ of ~t oro~tY a~menz ReUsed; Fot~ra~ By ~n~ Not s Waive. E~on o[ ~e gme f~ ~ym~t og~ B~w~ ~d ~ower's sugc~ in in~. Any iotb~nce by ~ in ~ng any right or tem~y ~ym~t ~ o~i~ mollY nmonlzati~ of t~ sums ~ by ~S M~ by ~ ~ ~ ~mand m~ by I 1. guge=orS ~nd Assi~s Bouad; loint sad $eve~i L~billt7: C~i~e~. T~ co~n~ and · v'si~ ~ a~apn zu =~ ...... . . . o ..... wao co-m~ ~s ~, but d~ no ~ ............ of *g;-Mo~, (b) ~s not a~ to ~end, m~i~, [or~t+ or make a~ o~ a~mm~io~ w~th gpt4 m the ~s o[ th~ Mo~ No~ wi~out ~t ~w~'s ~t and withoui rel~ng lhat ~wet or m~ifyi~ ~ Mo~ Bor~wer'slnt~in the P~Y. 2002 12:24 FR BENEFICIAL B30 617 7802 TO B1E157B05BS0 P.15 ]2. Notice. ~ ~fgr any notico roquirod und~ appli~ble law to ~ ~v~ in ~o~ ma~, (a) ~y ~fi~ ~w~ ~vi~ for in ~s Mo~ ~l ~ ~ by d~iiv~ng jt or by mMUng ~ ~fi~ by c~fi~ a~ to ~w~ az ~ Pr0~ Ad~ ~ at such ~ ~-~ ~ ~er may ~ by no~ ~ ~ o~ a~ ~ ~d~ may ~ by ~fic~ to ~w~ ~ ~ded h~ ~ noti~ p~vld~ for i~ ~ 1~. Governing Law; Sov~ability. ~ ~to ~d I~1 la~ a~li~Me ~ tMs ~ ~1 ~ ~e lawg ~{cfion in which the P~ i$1~. The fm~i~ ~e s~l ~t limit ~e a~li~llty ~ F~d~l law · M°~g~ In zhe*v~nz t~t a~ ~vi~on or cla~ of ~s Morx~ ~ t~ N~ ~li~ wi~ a~li~blo itw, ~h ~nfli~ ~d m ~s cad th~ ~viMo~ of t~ Mop.ge a~ ~ No~ a~ d<l~ ~ ~ ~Mo. ~ ~ ~in, %z~' ~d 'at~' f~' i~l~c all sums ~ the ~t a~ ~bhiMt~ by a~li~ble law ~ li~ ~n. 14. B~ow~'s Copy, ~w~shMl ~ fumi~ a~nbrmed copy ~ ~e No~dof ~isM~$~ at ~fim* cx~ufion or ~ ~ffon h~f. ~abili~tion, im~wm~t, ~Mr, ~ ot~ 1~ ~m~t which Bo~ ~ into ~ith ~. ~r. at '~d~s opfi ~, may ~ Bo~w~ ~ ~ ~d ~iv~ ~ ~n~, in a f~m ~Me ~ ~d~, an ~m mt of ~Y fi~, claims or ~ which. ~r~w~ may ha~ a~i~ ~im who ~ly ~. ms.als or ~c~ ~fi~ w~ im~vom~ m~ to ~o Pro~y 1~. T~asfer ~ the Pro.ry. If ~rmw~ ~]ls ~ t~*~s MI or ~y ~ of ~ P~ or ~ in~ ~ - -, iai ~ ~a~o~ or a PU~ money ~ty m~t for ~d n~li~, (e) a ~ ~ ~ ~Y, Inl a ~ into an in~ viv~ ~m {n wMch ~e ~'~: .......... f r~,m m a ~ of ~gh~ of ~ in ~ ~, or (1) any oth~ ~et or d~tion d~ in ~:~ ~ eho F~ Homo ~n ~k B~td, ~ow~r ~1 ca~ to ~ ~ubmi~ inf~a~ ~ ~ t~ N~ a~ ~s Mo~ge onl~ ~ ~1~ ~w~ in writi~. If ~n~ ~m not ~ to ~oh ~ ~ ~, ~ ~y ~l~ ~1 of ~o ~m$ ~ by ~s ~ ~ ~e ~U~ ~ m~l~ or ~hv~ ~t~m whtc~ ~rmw~ may ~ ~ ~u~$ ~a~ duo. ~ ~w~ f~la m ~y $~h ~ma prior to t~ ~fion of aooh ~iod, ~ may, wi~ur fu~ n~ or dom~d on ~w~. ~vo~ ~y ~modi~ ~i~ by ~n~ 17 h~. N'~O~ CO~S. Bo~w*r an~ ~ f~ ~nt a~ ag~ ~ f0llow~ A~le~tion; R~m~ie~ E~px ~ ~mvided io ~ra~aph 16 hereoL upon ~rower'$ b~ ~ any ¢ov=naat or $~eme~t of Borrower in th~ Mort~, ineludin~ the ~own.nis to pay when due aay sums ~urzdby~isM°~gage, Lvnder~tort~ei~ationshallgiv. notl~toBo~ow~ roy ! 2 her~ sp~iryin$ ( I ) ~e brach, t2~ t- .... : ............ _ _ P i~ in pnra~ph · , ~ , ~ =~uou x~unr~u zo cu~ s~n or~n; (~} a dlte, not 1~ than ~0 from the da~ the noti~ i$ mailed to Borrower, by which ~u~h b~ m~ ~ cur~; and (4) ~t failu~ eu~ s~h ~ch on or ~e the ~ $~eifi~ in ~ noti~ may result tn ae~l,~fi~ of ~ sums s~eu~d by thh Mortga~, f~cl~u~ by jud~inl pr~eding, ~d sal~ of th= Prope~y. The noti~ ~all foyer inform Bortowor of the ri~t lo ~in$ta~ af~r,~l~nti~ and the right to asse~ in ~ fo~l~u~ ~ng tho n~exi~en~ ~ a d~ault or any other defen~ of Borrower to a~ele~ti~ and fomlosur~ ~ the b~ch i$ n~ ou~d ~ or b~fo~ th~ ~ $~ified ~ the notic~ Lond~r, at ~r's option, may d~hre nil of th~ sums s~u~ by ~i$ Mop.ge'to ~ immediately due ~d ~yable without fmher demand and may formloso this Mmgs~ by jodiclnl pr~din~ ~ndor shall b~ mtitl~ to collar in s~h ~ding all expm~ of f~$closur~ including, but not limi~d to, msonablo atto~ey$' f~ and e~s of d~um~ry evid~nco, a bstrn~$ and title PAO012~ J~N 07 2002 12:24 FR BENEFICIAL 630 617 7802 TO 912157905998 P.IG 18. Borrow~r's Right to Reiu~tale. No~ith~tandlng L~nd~r's ~l~fio~ of t~ s~s by ~is ~ d~ ~ Bo~ow~'s ~h, B~w~ sh~l ~ve t~ ~t W ~ve ~ ~nu~ at ~y ~me prior to ~ ~ ~ J~ ~fo~ ~ ~1 sums wh~c~ would ~ ~n d~ un~ ~is ~ ~ ~e Not~ ~ ~ ~l~fion occur; {b) n~ [imi~d ~o, ~ble a~mrne~' f~ a~ (d) ~rrn~er ~ so~h ~ thst ~e li~ of ~is Mogpge, ~'s in~r~ in the ~y a~ ~w~'s obllp~ ~ ~Y t~ sums ~u~ by ~[s Mo~ s~U ~n~nue ~oimpsi~. U~n s~h ~t and ~o~ by ~ow~, th~ Mort~ and ~e o~i~ ~u~d ~by ~1 ~main in full [o~ a~ ergot 19. A~i~nment of ~a~; Appointmmt of R~iver, ~ ~tio~ ~fl~ ~und~, Borrow~ h~eby h~, in a~nm~l of the Pm~Y, ~ve the g~t m coll~ and ~yable. U~n a~l~gon ~or parll~Ph 7 h~[ ~ a~n~m~t of the P~y, a ~v~ ap~io~d ~ a ~u~ to ~ter u~n, ~e ~on of of ~ P~Y incl~n~ ~o~ ~ due. All ~ coll~ ~ ~ of m~mea~ ~ t~ ~o~ ~d mll~on of r~m, t~l~i~ but not llmi~ ~, ~s f~. ~iums ~ ~v~'s ~ and ~nable a~om~' [~, and th~ ~ ~o sums ~u~ ~ ~is Moap~. The r~v~ ~11 ~ liaMe ~ a~t only for ~ ~ aau~ly ~v~. ~. ~. U~n ~ent ~ ~1 sums ~ur~ by ~s M~e, ~nd~ s~ ~ tMs ~rtp~ wiio~ 21. Waiver o~ Hoisted. ~ ~by w~v~ all ri~t ~ hom~ ~i~ in ~ ~ un~ rote or F~I lsw, · e No~ or in ~ ~on o[ mo~ ~l~e ~ll ~ the ~te 69-20-99 MTG FILE C(~PY Illlilllillllllllllllll PA061216 jOY ~7 2002 12:24 FR BENEFICIAL SSO S17 7802 TO 912157S05990 P.I? REQUEST FOR NOTICE OF DEFAULT AND FORECLO6URi~ UNDER SUPERIOR MORTGAGE8 OR DEEDS OF TRUST -Bo~rowe! · I hereby ~'~ify 'diat the !~mclsm address of ~.e Lender (Mor~f~ee) i~ 983 ~a~e Avenue ~bersbur~, PA 17201 ~ ~![ o[ ~ ~. B~ Michael ~. ~cshall ~MMO~LTH OF P~NNSYLVANIA, F~ankli~ Coun~ I, ~arba~ ~. Baker ..... aNo~bliciaa~for~dco~lys~m~~fy~t ~ L. ~o~s i~sonally known ~o me to b~ tho same per~_(s) whose name(s) appeared before me this day in po-~,~n, ~md ackaowledge that $. he , h~r · Given under my l~nd and official aeal, this WJ-20=$~ MT6 is su~s~ril~l to Ge [or~goir~ instrum~t, sigaed and deliv~mi iht said ins~m~nt as ~r~ vol~t~ry act, for ~he ~ and p~rpos~ ~hereia set for&. 22nd day o~ Novembe~ ,1999 Barbara J. Baka~ (~mo) 983 ga~e Avenue ~ambersbu~, PA 17201 (Address) (Space B~low This L.ino Re-.~rv~:l Pot ~ and ~ecorder) l~rn To: Reoords Pro~sslng S~rvi~ 577 ~m~t R~d ~mh~, ~ ~1~ PAOO*t2G$ .,.. =- llllllllllllllllllllllll