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HomeMy WebLinkAbout02-0520Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney I.D. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No.: 9794124 MANUFACTURERS AND TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A.,SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY ONE FOUNTAIN PLAZA, 6TM FLOOR BUFFALO, NY 14203 PLAINTIFF, VS. KENNETH E. SCHENK AND PATRICIA A. SCHENK THE UNITED STATES OF AMERICA 1210 MUSKET LANE MECHANICSBURG, PA 17050 and 615 CHESTNUT STREET, SUITE 1250 PHILADELPHIA, PA 19106-4476 DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY COMPLAINT - CML ACTION COMPLAINT IN MORTGAGE FORECLOSURE NOTICE You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (717) 249-3166 AVISO Le han demandado a usted en la torte. Si usted quiere defenderse de estas demandas expuestas en las pagmas siguientes, usted tiene veinte (20) dias de plazo a partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandadas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandato y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propiedades o otros dereches importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIAL LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17103 (717) 249-3166 Spear & Hoffman, P.A. BY: BONNIE DAHL, ESQUIRE Attorney I.D. No. 79294 1020 North Kings Highway, Suite 210 Cherry Hill, New Jersey 08034 (856) 755-1560, Attorney for Plaintiff, Loan No.: 9794124 MANUFACTURERS AND TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A.,SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY ONE FOUNTAIN PLAZA, 6TM FLOOR BUFFALO, NY 14203 PLAINTIFF, VS. KENNETH E. SCHENK AND PATRICIA A. SCHENK THE UNITED STATES OF AMERICA 1210 MUSKET LANE MECHANICSBURG, PA 17050 and 615 CHESTNUT STREET PHILADELPHIA, PA 19106 DEFENDANTS COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKETNO. COMPLAINT IN MORTGAGE FORECLOSURE 1. Plaintiff is MANUFACTURERS AND TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A.,SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY, with its principal place of business located at ONE FOUNTAIN PLAZA, 6TM FLOOR BUFFALO, NY 14203. 2. The names and last known addresses of the Defendants are: KENNETH E. SCHENK AND PATRICIA A. SCHENK THE UNITED STATES OF AMERICA, 1210 MUSKET LANE MECHANICSBURG, PA 17050, and 615 CHESTNUT STREET PHILADELPHIA, PA 19106 3. The interest of each individual Defendant is as mortgagor, real owner of the real property subject to the mortgage described below, or both. 4. On or about MAY 31, 1995, Mortgagors made, executed and delivered a Mortgage upon the premises hereinafter described to FARMERS TRUST COMPANY, which Mortgage is recorded as follows: Office of the Recorder of Deeds in and for CUMBERLAND COUNTY DATE OF MORTGAGE: MAY 31, 1995 DATE RECORDED: MAY 31, 1995 BOOK: 1263 PAGE: 182 The Mortgage is a matter of public record and is incorporated herein as provided by Pa. R.C.P. 1019(g). A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference. 5. On or about MAY 31, 1995, in consideration of their indebtedness to FARMERS TRUST COMPANY, KENNETH E. SCHENK AND PATRICIA A. SCHENK THE UNITED STATES OF AMERICA made, executed and delivered to FARMERS TRUST COMPANY their promissory Note in the original principal amount of $255,000.00. A copy of said Note is attached hereto as Exhibit "B" and incorporated herein by reference. The Note is referenced herein only insofar as the terms of the Note are incorporated into the Mortgage. 6. Plaintiff is the legal holder of the Mortgage by virtue of being either the original Mortgagee, the legal successor in interest to the original Mortgagee, or the present holder of the Mortgage by virtue of the following assignments: N/A 7. The Mortgage is secured by property located at 12 ! 0 MUSKET LANE MECHANICSBURG, PA 17050 , which is more particularly described in the legal description attached hereto as Exhibit "C" and incorporated herein by reference. 8. The Mortgage is in default because the monthly installments of principal and interest and other charges stated below, all as authorized by the Mortgage, due AUGUST 30, 2001 and monthly thereafter are due and have not been paid, whereby the whole balance of principal and all interest due thereon have become immediately due and payable forthwith together with late charges, escrow deficit (if any), and costs of collection including title search fees and reasonable attorney's fees. The following amounts are due on the Mortgage: Principal Balance 7.823% interest from JULY 30, 2001 to JANUARY 22, 2002 at $50.98 per day Accrued Late Charges Escrow Advances made by Plaintiff Attorney's Fees TOTAL AMOUNT DUE $237,841.23 $8,972.48 $367.40 $3,823.39 $2,829.50 $253,834.00 Interest continues to accrue at the per diem rate of $$50.98 for every day after JANUARY 22, 2002 that the debt remains unpaid. 10. During the course of this litigation costs may continue to accrue, including but not limited to escrow advances, late charges, attorney's fees, etc. 11. Pursuant to the notice provisions of Act 91, 35 P.S. § 1680.403(c), and the notice provisions of Act 6, 41 P.S. §403, as governed by 12 Pa. Code Section 31.201 et seq. as amended by Act 160 of 1998 effective February 19, 1999, Plaintiff sent the combined Notice of Intention to Foreclose Mortgage and Act 91 notice to Defendants, dated NOVEMBER 21, 2001. Copies of the notices to the defendants are attached as Exhibit "D". Defendants have failed to cure the default and Defendants have failed to meet with the plaintiff or any of the consumer credit counseling agencies listed in the notice and/or have further failed to meet the time limitations specified in the notice and/or have been denied assistance fi:om the Pennsylvania Housing Finance Agency. 12. The UNITED STATES OF AMERICA is made a Defendant herein by virtue of a Federal Tax Lien which it has or may have against the mortgaged premises. 13. Notice pursuant to the Fair Debt Collection Practices Act is attached as Exhibit "E". WHEREFORE, Plaintiff respectfully requests this Court to enter judgment IN REM in favor of Plaintiff and against the within named property of the Defendants in the amount set forth in paragraph 9, together with interest accruing after JANUARY 22, 2002 to the date of Judgment, plus 6% legal rate of interest fi:om date of Judgment to Final Sale, and Sheriff Sale costs, together with all costs of suit and any money hereafter expended by the Plaintiff in payment of taxes, sewer and water rents, claims or charges for insurance or repairs and any and all other advances hereafter made by the Plaintiff as stated in paragraph 10, pursuant to the rights and privileges granted under the terms of the subject mortgage, and for foreclosure and sale of the Mortgaged property. SPEAR & HOFFMAN, P.A. 3 VERIFICATION I, BONNIE L. DAHL, verify that I am the attorney for the plaintiffin this action and that the foregoing Complaint in Mortgage Foreclosure is true and correct to the best of my knowledge, information and belief. I make this verification in lieu of MANUFACTURERS AND TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A., SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY who is outside the jurisdiction of the court and its verification could not be obtained within the time allowed for filing this pleading. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. § 4904 relating to unswom falsification to authorities. BONNIE L. DAHL Attomey for Plaintiff Exhibit "A" REAL ESTATE MORTG~~~[~~ INDENTURE~ made this ~1~ day of ~ 1905 by and be~een ? :L' ~ ' ' ~ : ~ ~. S~ ~d ~a~c~a A. S~ ,- -' ' ' (MORTGAGORS) and FARMERS TRUST COMPANY, a Pennsylvania Corporation (MORTGAGEE), '~ ~ ~:~: , ' 1 ~est B&~ Street, ~l~sle ' ' ' ~ , Pennsylvania. MORTGAGORS on thi~ ex~ut~ a note by the terms of which MORTGAGORS h~e b~o~ indebt~ to MORTGAGEE in the sum of ~ u ~ ~'~ Dolla~ to ~ paid, including interes~ as sp~ifi~ therein, within --3~0 ........ __ months from ~e dat~ereof In ~L - monthly in~llmen~ of ~a~ ~1~ _Dollond the fi~ ins~llment to ~ ~id on d~e 5u , 19~, and ~e succe~ing installmen~ to ~ paid on the , ] day of each mon~ themaH~ until the entire ~m due is ~id in ~11. This M~t~ and ~e lien thereof ~all ~ ~urity for this debt and for any and all loans that may ~ m~e by MORTGAGEE to MORTGAGORS at any ~ture time; provided, howler, that at no time sh~l~thp~Am~o~ the unpaid balanc~ of the present debt and all su~equent loans exc~ in the aggre~e an unpaid face amount of $ ~ ~ 3uu. uu . MORTGAGORS cov~ant and waffant that MORTGAGORS h~e ~11 f~ simple title to the mo~g~ premiss hereinaHer d~ri~d, that MORTGAGOR~ will ~y the a~ve mentioned debt ~ requir~ by the said note, and any future loans es r~uir~; ~ the buildin~ on the premi~ shall be kept insur~ a~in~ I~ by fire for the ~nefit of MORTGAGE E, in ~mpanies and amoun~ s~i~cto~ to MORTGAGEE, with a ~andard mo~ clau~; and MORTGAGORS will ~y any ~x, ~s~ment or other ~vemmen~l charge, including water and s~er mn~, a~ against or im~ u~n the ~id premix, and will deliver to MORTGAGEE receip~ thereof immediately upon demand. Upon nonpayment by MORTGAGORS of any inAallment on the date when such in.alimet shall fall due, the entire balan~ of the afor~aid debt ~all b~ome due and payable, at the option of MORTGAGEE, ~ provid~ in the note. In the ~ent that MORTGAGEE re.ins an a~orney to institu~ an action on the ~[d note or to foreclo~ on this Mo~a~, then MORTGAGORS shall pay, in addition to the balance due on the ~id note, including interest, if any, an attorney's collation f~ of 1B ~r~nt of the fill amount then due and co~ of suit; and in the ~ent that MORTGAGEE ob~ins a judgment agai~t MORT- GAGORS in the suit on the said note or on this MoP.ge, and therea~er issu~ a writ of ex~ution or other appropriate writ on the aid judgment, then MORTGAGORS hereby waive all righ~ and benefits under any and all la~ or rul~ of cou~ now or her~ aHer in eff~t granting or ~i~ing any exemption or ~y of ex~ution a~in~ the mo~ premis~ or any oth~ pro~y wha~er, and any ~ch judgment shall bear interest at the applicable rate until the full amount due MORTGAGEE is a~ually paid, by the Sheriff or othello. NOW THEREFORE, MORTGAGORS, in consideration of the ~id debt, and to secure payment thereof, hereby grant, bar.in and sell to MORTGAGEE ALL THAT CERTAIN tract or pardi of land ~ituate in the ~un~ of ~ ~mmonwealth of Penn~lvania, more pe~icularly de.rind in the D~ r~ord~ in the office for ~e r~rdin~ of d~ds in Deed Book No. 542 ~ 19 ,,and othe~i~ known es- ~.D. ~1~ ~11~sm~ ~A 17062 A~ lnnd mo~e fu11? desc~tbed ~ ~h~b~t A. AttAched hereto e~d incorporated he~el~ by ~e~e~e~ce thereto. TOGETHER with the buildin~ improvement, right, privil~s, her~itamen~ and appu~enan~, and the r~ersions, remainders, ren~, i~ ~d profi~ thereof. TO HAVE AND TO HOLD the said premis~ unto MORTGAGEE for~er. PROVIDED, n~e~hele~, that if MORTGAGORS shall pey to MORTGAGEE the entire debt es herein~f~e ~ fo~h, then the ~tate hereby gmnt~ shell cea~. d~ermine and ~me void. IN WITNE~ WHEREOF the ~id MORTGAGORS have h~eunto ~t hands and s~ls the day and y~r fl~ above written. Signed, sealed and delivered in the presence of: (SEAL) COMMONWEALTH OF PENNSYLVANIA---- COUNTY OF C!J'M~ERLAND --_ On the ~ [ S~; day of May , lg 95 , before me, personally appeared the above-named Kenneth E. ~chenk and Patricia A. Schenk and in due form of law acknowledged the above INDENTURE OF MORTGAGE to be their deed, and desired that it be recorded as such. WITNESS my hand and seal the day and year aforesaid. The address of the within-named Mortgagee is 1 W. High St., Carlisle, PA 17013 on behalf of MORTGAGEE free and voluntary act and RECORDATION REQUESTED BY:'- Farmer~'rmst Coatpany One west High Slreet Ca,late. PA 17013 WHEN RECORDED MAIL TO: Farmer~ 'ImM Company One Want I.,I/gh Slreet Corthde, PA 17013 SE.D TAX "O~C~S TO: Timothy M. Schenk &nd Heather L Schenk 1210 Mu~ke! Lane Mechon~g, PA 1705S SPAC~ ABOVE THIS UNE I$ FOR RECORDE~'~ USE ONLy MORTGAGE THIS IS A PURCHASE MONEY MORTGAGE THIS MORTGAGE IS DATED MAY 31, 1995, between Timothy M. Schenk and Heather L Scbenk, owner(e) In fee 81mple, whose address Is 1210 Musket Lane, Meohsnicsburg, PA 17055 (refer~ed to below se 'Grantor"); and Farmer8 Trust Company, whose address IS One West High Street, Carllale, PA 17013 (referred to below aa 'Lender'~ GRANT OF MORTGAGE. For valuable conMderMton, Gront~r granto, bergab~, .ell., c:MIvey~, ~gni, transfer, re~__~__, cMtflrmo and mortgnges to Lender all of Grantor's fight, #lJe, and Inthmst in and to the following deeorlbed mai Ixopady, I~ltm' with al exls~ng or su/osequentty priv~oges, Ionements, horedltaments, and appu~ucee thMounto betonging er any~ made adpLi'bnanl horeeltor, and tho reve~ and in Cumberland County, Commonwealth of Pennsylvanis (the "Real Property"): ssa Exhibit A township: The Rsel Property or Its addrese Is commonly known as 1210 Musket L~ne, Meohanlcsburg, PA 17055. Grantor pi'eeent~y assigns to Landor all of Granfl~'$ figM, IWe, and Inlerest In and to all leesee of the Prope~y and al Penis horn Ihe Property. Iff addition, Grantor grants to Lender a Uniform Commemial Coda s4curity Int~ In the Personal P~opedy and Flanis. DI~NITIONS. The ful~ng words shall Imve the following meanings when ueed In Ihis Mcx~gags. Tanr, s roi of~ helthed In ~ Mortgage shall have tho meanings altrlbntecI to such tm'ms In the Untfm'm Commeminl Code. Al re~ to dollar &mounts shall mean amounts In iswhJI mon~ o! the United Steles of Amadc~ - Grantor. The word 'Granto~ means Timothy M. $chonk and Heather g 8ohenk. ~ Grantor is the mc~gagor undor this Mo~gage. Ouomntor. The word "Gc, aranfu~ means and Includes without I~mlla~lon each and al of the guamnlo~, suraltes, and accommodsUon parliss In cooneoUon with the todsbtadness. Improvements. The word 'Improvements' means and IncJudns without llm~alton all mdalng and future in~, It~, buildings, structo~an, mcf~to homes alllx~d on the ~ P~'opMty, isc~ltes, addi~ons, rop/anemanls and Mher ~onstoJ~ on lhe I~ Property. todebtedneee. The word 'lndeblndn~ means all p~roipal and Intere~ payable under the Note and any amounts expended or advanced by Land4h- to 4Jschergo obSga~ons of Gilntor ca' expenses Incuned by Lan~ to enforee o~dg~ d Grantor unc~ thb MG'~gag0, togethM with Ints(es~ on suoh amounts es provtdsd in this Modgage. Lender. The word 'Lender'" means Farmers Tt'usl Compally, Its ~:[~,'~ and ass~ns. The I.~ is the mortgagee under ~ klurtgage. Morlgago. The wool "Morlgage' mMms Ibis Pm'chase Money Mndgage be~ Grantor and Lan~, and Includes v/dhout Em~alk)n au assignrnants and securlly Iotemsl proV~ rMatlng to lha Personal Propedy and Rents. Purc~"e~_ Money Morlgage. If any of the debl ~anumd by I~ ~anurily Ins~ is isfli to Bon'ower to aCClUk'e tl~e to ~ Ran/Properly, this Secudly toskument shall be a pumhana money modgage under 4~) P.S. SanSon 8141. Note. Tho word "Nob" ,n~ns the promban,y nob o~ Ure~ agreement da~ed 1~40¥ 31, lg0~, In the original principal amount of $~5~000.co from Gran~ to Lender, ingethor ~ al renewals of, extons~oee of, InodiflcllUons of, rofl/laflctogs of. consoJIdatlons of, and subsUlutinns for the promissory note er agreement. NOTIC~ TO GRANTOR: T~ NOTE coNTAINS A VA~IABLIC IN¥~'.~EST RATE. Persomd Property. The words '~msonal Properly' mean al equlpmont, llxtums, and uther arlfutes of por~l, nsl pmpe~y now or herealt~ owned by Grantor, and now or hereafter adsched or ~ to Ihe Rea/PmpeAy; to0ofha,' with al ."~'~_ _ _ .~es, pads, and addiUons to, al replacements of, and al subsllfuUons th~, any of suoh pl'opedy; and Iogethor with al proceeds (thofuding without llndlalton al Insur'anee I~'OO~ and refunds of premlun~) Imm any sale or other dlsposlllon of the Prop~. Real Properly. The words 'Peal F'~'opedy" mean the propmty, Intsmsts end fights ----~- d above in Ihe 'Grant of Morlga0e' eecllon. nointe~ Document~. Tho wm'd~ "Rd, aled D0ooments' mearl a~d Illdudo wlthoot llml~a~ion all promJssop/robs, oradit agmamanls. Icon agreements, onvlronmenlal agr~emeols, gua[nofles, s~curlly aoroelro~ls, mort0a0os, deeds of bust, and an other inslruments, agreements end documents, whelhm- now Or hereafinr e)dsllng, aneouted In oonneotinn with the Indebtedness. Rents. The word "~ents' msaos al pr~ssnt and futura ranis, revenues, Inoome, Issuc~, royalties, profits, and other benefits dedvecJ from the Properly. MORTGAGE ~, Page 2 (Continued) %~" THIS MORTGAGE, INO. UDING THE AS~IGNMENT OF RENTS AND THE ~ECURI'T~ INTEREST IN THE REEI'B AND PERSONAl. PROPERTY, IS GIVI~I TO SECURE (1) pAyMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ALL OBLIGATIONS OF GRANTOR UNDER THIS MORTGAGE AND THE RB.A~ r.~ DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACC~' ~ r.u ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE. Exoopt is ofhMwqsi Ixo~ded in ~ M .o~.-.~. Grantor ~ p~y to L~nder 811 amounts siotJred by th}s si thoy become due, Br~d ~ sbt~y pe~m n~ of Grsnlc~$ c)bl~ns urld~ th~ PO$gEUlON AND MAINTENANC~ OF THE PROPERTY, Gr~nk~ agrees f/m~ Gmn4o~s po~e~o~ ind m of the Prope~y sh~ be Oovemed by the Posse~Jon and Use. Un~i in de~ult, Grinlor may renwin in I~"'*~'~q ~nd ~ of ifld c#~rite 8n~ m~Mge the FrotHy and collect the Ren~s from the ProK~y. Duty to Maintain. Grantor sh~ main~n the Pr~eriy In teninlable condllJ~n &nd promp~ porlorm ~11 ~ roplsoements, and maintsn~nce necsis~ry to ~rsie~ b wJus. ~--~.~.~ou$ GubMance& The brn~ 't~zordou~ wsi~,' 'bez~dous subst~'~e,° 'disp;~l,' "mb~=,.' ind 'th.~tened rebsie,' u used In this Mort~n$, shell here the sim meanings si set ~ in the Comp~'~ms~e En~onmenlll Response, Compensl#on, ind UIb~ly ~ of 1~80, ~s ("~ARA"), ~he I-lazaJ'dOUS M&lMbIs Tr~ISpQH~I]c~ Act, 49 U.~.C. Seo~orl 1801, et seq~ the Hsiou~e ~.;onMi~iuon ~ta HGC:OVMy ~ .... 'tmz~dous waste' lind "hazardous SL~slance' Sltall ~lso Incdude, w#hout lirnlt~on, peb'o~eum and pe~obum by-ixQduofs ~ imy fr~u~on themo! ~Lnd L~,Kto~ Grantor mpmsenls ~nd wirrants to IJnd~r lhlt: (I) During ~ p~:l d G~int~s ownersldp of the F~'OPMty, Ihem MS b~en no Ic~nowled~d by Lenc~ ~n w~ng, (1) ~y use, 0en~r~ono manufsi~um, ~ b~tn~nt. ~, reb~s~ or IhrMbned rdsisi ~ ~ny Any presort mla~ng ~o such mat~s; nnd (o) F_xcopi Lq pmV~QUSly d]sd0sid to &nd ac~nov4edge~ by L~tdM in v~ng, h.~ous waste ~ substGnce on, undm', or ibc)ut t~ Prop~ty ~d (Ii) ~ny such ~'v~ly ~ be oonduGted In compll~ce w#h d N~icable Grsnlor authodzsi Lendor. 4md its &gents to en~e' upon the PropM'ly lo m~ke such Impe~on~ ind ~ ~d t3mntor*s expense, si LendM' n'~y Tho ropm~entatlons and wan'aflhss contained heroin am based on ~r'afltGr's duo dEgon~o In Invsi~gatJng tho Properly for hezlrcloms wasto. Gmrdor horoby (a) .._~__~s .m~d v, mlvsi any futuro claims against I..ondm' ~' Indamrdty or conbJl3ulfon Iff tho ovent 8rantor becomes liable f~ cleanup or other' co~s undM* any such laws, and (b) &Oresi lo indemni~y and hold hermlesi Londm' ~oalnsl any nnd ail claims, losses, ~t~bi~Hsi, danmgsi, penates, and expenssi which Lendor may d]rsi'~/~' Indl~ suslaln ~ suffer m~ultln9 from a breach o~ thts sic~on of Ihe I~dudln9 t~e ob~gntlon to Indemn~/. shall suwl~u Itm payment of lbe Indebl~nsi~ ~ #m s~"_~-~on and mco~veyanc~ of the lien o~ Mo~ and shall not be a~ect~d by Lend~'s i~qulsltlon of nny ~ In the Properly. whe~' by foredooum or of~, #,_,P,,-,ce, Waste. Grantor ~ not c~use, conduct o~ pem~ nny ntdsance nor comma, pem~t, or suffm' ~ny ~pin9 of ~ wsite on ~ lo the Propedy or any pndlon of the Properly. Wi#tout liml#ng tim 9enora~#y of the f~9otng. ~'ant~ ~ n~ remove. ~ ~ Io any ofhor p~ty the fight to remove, any §tuber. mlrmr~l~ ([n~udlng (dl end nu). ~31~, g~vel or rock pmduct~ W#tmut the prior wd#en consent of Lender. su~ Improvements with Imp~ of al leest equal value. Lender's' Rlghl to Enter. Lendm' and ils agents and ropl'sienlatlvsi may enter upon the Real Prope~y al all reasonable times to attend to Lender's interests and to insp~ Ihe Prope~y Ior plxpossi of Grantors ~ompllan~o ~ Ihe tm'ms and ©ondlflons of ~ Compliance with Govemmenlal Reqofrement$. Grantol' shall prom~ comply w'4h d Mws, ordinan=si, and regulations, now or hemaft~' in e~ of ~1 govornmenlal sulltod~lsi app~cable to the use (x o(:Gupan~y of the Pi'ope~/. ~nlor may contest In good laJth ~ny such law, ore.nee, or rogue#on and wllhhold ~omplhnce du~ng iny proceeding, Including ~;)propn~le appeals, so long as G~ntor ~ ~ Lendel' in wriUng prior lo do~ng so mid so long as, In LendM's aM opinion, Le~s Inlersils in tbe Pmp~ty s]e not Jeopardized. Lencior me.y require Grantor to psil &dequate sicu~y or · surety bond, _r~=__'..~_ qably ~ to I..m'~er, to ~ofed LendM's Intel'or~. Duly lc) ProtecL Grantor ~gresi neflber to abandon nor Isive usa#ended the Propety. Gmofor ~ do ill ob'mz aofs, in .ddll]on to those sM ~ above In this secllon, which Imm the ch~aofor ~nd use of the ;~,p.My ire resionably necsismy to pmte~ and prsienm Ihe Prope~y. DUE ON SALE - CONSENT BY LENDER. Lenclor may, ~t Its option, de~ ImmedMtMy due &nd piynble ~ sums minuted by tt.~s Mc~glge upon the sale or Imnsfe~, without the LendM'$ ~ Written consent, Df ail (X' e, ny p~t of the Real Properly, or ~ny Intem~ in Ihe ~ PTopedy. A "rode (x ~) ymus, kress-option contrlct, or by sale, sisIgnment, ol' Irnns~e~ of any beneflctiJ Intm'~ In or to ~ buIcl tnJM hd,'ting UUe tO the I:~ PropMty, Indudsi ~ny chenGe in owneship of more th~n twenty-five pen~nt (251,) of the voting sto(~ pmlnorshlp interests or imhed hbEIb/ooml~ny Inm~'esIs, · s Ihe cue rn~¥ be, of (3mntor. Howew, this option shell not be exercised by L.end~ if such exmc:M is prohlbibcl I~y fedend Mw or by Penns~ni~ TAXES AND LIENS. 'i~e iol~w, dng provldons relating to the tsisi ~nd Bens on the Properly m'e · pm1 o/rids Modg~ge. Payment. GrBntor sh~ll pay when due (and in ~11 events prior to de~nquency) ~11 bums, i~oll blxsi, sped~ tsisi, ~rn~nts, wM ch~rgsi ind sewer sefl~oe cherges le~ed Ggsinst or on 8~count of the properly, &nd M p~y when due idl cbdms for wod( dram on or for send,si rendm*ed or m~tedsl furrdsbed to the Properly. Grantor shall malnl~n Ibe ~opedy free of i~ Bens hiMng pr~ over or equ~J to the Inlemsi of lender under this Mc~ge, excopt f~ Ihe lien o! bums ind ~_-_-~ _men~ not due, ~nd ev _,~? si othenvb~ provided in the following pImgrK)h. Right To ConteM. Gmnlor m~y wtthho/d p~ymeof of Gny bix, e_~c-~c~,nGnt, or d~Jm in ~onnec~on wllh i hOOd fsith dispute ow/rn8 ob~allon to p~y, so long ~s Lender's ~ntersit In the Properly is not jeop~rdIzed, if n lien raisins or is Iiled es · rsiuit of nonpayment, Grantor shall within fifteen MORTGAGE ~;-.= Page 3 !'i:' ' (Continued) name Lendar as an adetil~ oblige· tmdar any soraty bond ftnT, tsbod In I~e (=afe.l ~ Evidence of Payment. Grantor shell upo~ denmnd furnish to Lendm' a~ e, vk:ianns Of payment Of the taxes or mt,~,.,~ents and authorize, tho app.'oOg%Tato govorflfl',anfel officlaJ to thidIver It) Lender al any ~ · ~ I~atan~old d ~ ~ ~ -,~=,~enfe ·g·inat the Notice of Conatrucllon. ~fantor sheli coltiy L.~ at least fifteen (16) daw I~ any work ii eonm~o~, any ~ are fufldshed, or any that C~,,ankx' can and wll pay tbo (~o~t of such In~oroNmments. P~OFT_FTTY DAMA6~ INSLIRANC~. Tbo following ix·vlsi·ns mlaUng to Insudeg lbo ~ am · part Of thin Morlgagt Molntonanue of IM4Jrtque. ~anhx sbo[I pm~,~, and malfltain pG~i~ Of Im In.orance wtih .landed e~d~aded covurapa ande~aanfe co a ropfe~mant bos~ ior IM, lul Inmmibfe va·no cown~g d Improvemmds on tim R,m] Pr.~o~/M ,an ~ ~ to ·v~ ~H~ Of any r.O~nsLk~tnCe ClaUSe. ·fid v/dti · standerd m~gee tlet~e In favor Of Lm'.dm'. slipulalico thet covarage wlil cot bo cacomlim:i or diminishnd wtihout & minimum Of fen (16) ~' ~ ~ ~ to ~ ~ ~ ~ coy·raga, iff favor Of Landar win nof bo Impak'ed In any way by iny ·ct, omission or deliutt Of Gmrllor or any uth~ person. Sbeuld tbo Reil hazard re'co, ~'antor ·gtco· to Chi·in ·nd maintain Fed·rut Flood Iceuras~e, to the .0deof such Insumnue Is reqLdmcI by Lende~ &nd is or bec·mas ·v.Jlabin. Ior the term of fha Icen lull Ior ti~ futl uup&id pith··pal be~ Of ~ ~ ~ ~ ~m fl~ Of ~ ~ ~ Iv~ Application of Proceeds. ~ran~' ·hal ~'ompliy noUly ~ Of m~/to~ or denm0e to the Prope~y 1~ tim ·slim·fed ~st Of repak' or wrdch have nof boen (~bunmd wtihto 180 deys altar th·ir receipt ~nd which Londar has ~ ~ ~ ~ ~ ~ ~ Of ~ ~o~ shall be used tirst to pay any ·mount owing to Lenclm' uncb' this Mortge0e. Iben to prepay I~:rued Inlm'mt. and tbo mmatnde~. If any, shag be be pldd to Grantor. I. Ismxplred In~Jrance at BUt·. Any unaxpb-ed lesuranca shat Inure to the bemLqt Of. and pa.8 to, tbe pu~hasor ut' the Proporty covered by this Mmtgag· at any Itu·fee% esJe or other esfe hold undor the provislans Of tins Morlde0e. or at ·ny for·dc·urn s~de Of sur. h ProPmtY- EXPENDITURES BY LENDER. I! Grantor bp· to ~omply with Gny pro~ Of ~ Id(xl0~ ~ II ~ny itt·an or Ixocaedl~ is comm~ thai would Kc. pr·priers, Any amount thet Lendar expe~de In so ddng wll bear Infe~si at thl mia, cha~01d undor tbe ~ ~ ~ ~ ~ ~ ~ bY Lander tothe daf· Ofmp·ymant byGmofor. Alisuchexpensas,·tLendm's opUon, wlil (·} bo pWabfe on demand. (b)be·dded to the badanca of tho Nofe and b~ appor~mod among and he plty~bb with any Inshlimant paym~ds ~ ~ d~ ~ ~ (I) the tram Of any ·PPllcPhb InS~J~nca pc~or (~)h rem&~rllrlgtarmof#ldBNoflB, Cji' (C) l~·ti'oatodU· ~OorlpayrlTofllwhIc~ldbodLIlfldPlYabt~at hNoto'$11~at~llY. This to which Landsr may be erd~d off =__,~_~unl d Ihe defaulL Any such autto~ by L&,~dor shal col be con~fced es cu~ing the defeutl so as to bet LmN~ Irom any mm·dy Ihet li oUNe~V~ wordd have had. WARRANTY; Dti-t=tdSE OF TI1T.E. Tho foP·wing pro~es re·sling to owns~sh[p Of IM ~ are · pad Of I1~ Tltfe. G~anior wan'anla thai: (a) ~·ofor holds good ·nd mmttatable tile Of record to lb· ~ In feo &¥flpla, f~e arid clear d al Pens and · nsumbracoes Ofl~ ~ Ihnse set forth In the Real Property ~lion ar In any HUe Inloranca pol~.y, ~ ~eport, or linsl ~ ophdofl issued in fevor Of, and ancepte~ by, Lender In connection with tids Mo~gage, and (b) ~mofor has IM fat ~10hl, powar, and ·utho~dy to ~,~4e and this Mo~gaoe to Lander. Defanm of TIII·. Subleof to tim ~__~lion In tho paraorKoh ~bovo, (~antor wafranla and wil Iorovar defefld tho 5le to th· Propa,ty agaJnsl Ih· lawful claim· of al per~3~. In the ·yard any.·utlon or pr___"~_ ng Is commenced thel quest·mm ~atnlo~$ tile or the Infer·st of Lender undar Idortgapa, ~fantor atmti defend IM aolthn at (~anto~s ex:pm'me. (~ may bo Ih· nondns] pauly In such ~ng, but I.~ shall be e~lilied to pardclpato tn lbo pro~ing and to be repmsenfed in tM I~ng by eouns~ Of ~ own cl'~. and (~antor w~ dellvor, or cause to bo dalve,'ed, to ~ such Inslmmenis as Lendm may requnsl from lima to lima to parma su~ part·dp·ti·ri. Compliance Wllh Law& ~rankx warrant· ~ Ih· IN'oparly and ~faflto~ use Of the IN'opa~y compiles with al e0dsfing applicable isw~, ordinancas, and regulalioco Of gove,mmenfal ·uthorilies. CONDEMNA?ION. Tho folowtog provisions r~aling to condemnation of tho IN'op4nty er· a pad of 9dl Application of Nel Proce~de. If al or ·ny part of tho IN'·party is conde~ by ·ml~ domain I~'O~ngs ~ by any ~ or pu~ In Peu Of condemn·lion, Lender may al its ·in·tlc· requJre Ihat al or any, po~don Of tho nsl pr·ca·de Of tho award be ·ppi·nd to the indebtedness or tho rupalr or rostoralion of the Pcupor~y. 'IM nat proceeds of the ·ward sha~ moan the award atlor payment of all actual co.ts, eJq~aness, and attiori'~oys' ~ Im~ufred by Lender in conuecgoo wilh Ute condemnath3n. Procasdlngs, I! any pfc·coding in condemn~tlco is fl·ad, Grant~ shag pmmpli¥ r~41fy Lender In v/rtl·ilO, and ~zant~ shat proalpH'/baJ~ such steps as may be P~,¥ to defend the a~n ~d obtain the award. Granlor may bo the nom[nol pady in su~ pr·ca·ding, but Lender shall be entitled to parlk~p·lo tn the pr·ce·ding ·nd to be mpresenfed in tho ~ by counsel Of lis own choice, and ~rent~ ~ dl~ or ca t~',~ to be ds~ivorod to Lender such Instiumants es may be requasfed by li Il'om IJma to lima to panini st~in partlctboliofl. IMPOSITION OF TAXE~, F'E~~t AND CI4ARGE$ BY ~OVERNI~AL AUTHORITIES. Tho h:dtowlng p~'o~d,~ons refeling to OOVed'flmantat taxes, and cha~ges ar· · part of this Mortgaoe: Curt'eof Tm·tn, Fern and C~ge~ Upon request by Lender. ~raofor shall axcouta such dcoum~ofs In &ddflico to tl~s Mo~Oa~ ·nd take whefevar ·thru' action is reqtmsfed by Lender to perfeof and continue Lender's lien on the Rasl Propmty. Grantor shall ~mburs~ Lender for all lax·s, as des~bed below, Iogethar wtth all expenses incurred in roco~ng, parincting or continuing this Mortgage, Including without Ilmilali~n al Inxes, foes, dcoumenfery stamps, and ·thor charges for recording er registmtflo ~ M~410age. · Taxes, Tho following shall coes~lute taxes to which lhis section upplbs: (a) a spe~ ~ upo~ this lype of Mo~gaga or upon all ~ any pall of the Indebtnd~ess secured by this Mortga9e; (b) a spec·tic tax on Grantor which Gmfltor is author~ed or requifnd to deduct ITom payments on MORTGAGE ~-~.; Page 4 i. (Continued) ~:"-': ? Indebtedness secured by thl~ type n/Mmlgege~ (o) e tax on th~ t,/pe M Mmtgage chargeable ~alnst the Lmtd~' ~- the holdm' o~ the Not~ end (d) e spectik; tax on ~11 m. any porlfon oHhe Indebtm:lness 4x on p~ymenll ~1 principal mhd Irdm'est ma. de bY Grm'~lm'. ~lb/~l~eltt Tar. el. I! ~y t~x lo width Ibis sacUo~ KOp~a~ Is e~ -~a~J-"er& to lhe ~ o~ M Mortgage, Udl ivenl ~ have fha same effect Men E~t ~ ~M~I (~ ~ ~), ~ ~ ~Y ~ ~Y ~ M ~ ~ I~ ~ f~ ~ E~ ~ and ~ Mth ~ ~h ~ a su~M ~ s~ ~d ~ ~ ~ ~ ~ ~1~ AGR~; FIN~CING STA~M~ ~ ~ ~ ~ ~ ~ M~ ~ a ~ ~nt ~ a ~ ~ I~ M~a~. ~ Inlm~ Upon ~ by ~, ~ ~ ~ I~ m~ a~ ~ w~ ~ ~ b r~ by ~ to a~h~ to ~ ~1~ ~ (3) ~ n~ ~pt ~ ~n ~ ~ ~. ~ ~ ~al~ ed~ ~ ~nl~ (~1~) and ~ (~ ~), k~ w~ Inf~H~ ¢~ ~d by I~ M~ ~y ~ ~ (~h ~ r~ by t~ U~m ~ ~ ~ ~ ~ on ~ ~ ~ ASSUR~CE8; A~ORN~ACT. ~ I~ pr~ ~U~ ~ ~ ~u~ end aH~ M~ag~ FO~ ~r~ N ~ fl~, ~ k~ ~ to ~, upon ~ ~ ~, ~ ~ ~ ~ and d~, ~, ~ t~ ~ ~y ~, M ~ ~ and In s~ ~ a~ p~ ~ ~n~ ~ ~m ~, ~ and~d~y, in~on~n~,~~ln~M,~ pr~ (a) t~ ~ ~ ~n~ u~ t~ NOM, ~ M~ ~ ~ ~ D~, ~ ~) t~ E~ and ~ ~ In this p~agmph. Aff~-~F~L If ~nt~ ~1~ ~ do any ~ ~ ~ m~ ~ ~ I~ ~ p~h, ~n~ ~y ~ ~ ~tm and at Gmnt~s ~e~. F~ s~h p~, ~t~ ~by ~ ~p~nb ~ ~ ~anl~s afl~ ~ ~ pu~ ~ m~, e~, ~, ~, r~, ~ d~ ~ o~ ~ ~ ~Y ~ ~ ~ ~le, in ~d~s ~ ~lnion, to ~h ~ ~ ref~ to in t~ p~ p~a~h. ~ P~M~C~ If Gmnt~ pn~ M ~ I~ w~n d~, a~ o~ ~ M t~ ~nH~ I~ M~;~, ~ ~ ~ and ~ to ~anlm a ~ M'=~ d ~ M~age ~ ~ s~n~ ~ ~ ~ ~ ~ ~ ~s ~ I~t ~ t~ R~ and ~ ~ P~. ~n~ ~ ~y, ~ ~fl~ by app~ ~w, ~y D~T. ~h d ~ f~. al ~ ~ d ~n~, ~ ~m~ ~ ~ d ~b~ ~ d ~ un~ ~ M~: ~l~ce ~uII. Fa~U; to compN with a~ ~h~ I~, ~a~on, ~nt ~ ¢~i~ ~ In I~ M~ge, ~ D~u~nts. Note ~ I~ Re.ted D~u~n~ ~ ~1~ ~ m~ in any ~ r~ ~1~ n~ ~ at ~ ~ ~ ~ ~ls~. ~h ~ In~tvenw. ~ d~ of ~anl~, t~ ~ ~ ~nt~ ~ ~p~nt~nt ~ ~ ~ f~ any ~ ~ Gmn~s ~n~nt I~ ~ bestir ~ ~ed~, a~ ~ ~ ~t~ w~ ~ t~ ~m~t d any ~ un~ aW bankmp~ ~ ot~ ~thod, by any ~lt~ ~ Gmn~ m by any g~ a~ ~t a~ ~ t~ ~. H~, ~ s~ pr~, pried that ~ant~ gl~ ~n~ ~n no~ ~ s~ ~m a~ ~ r~ ~ a s~ b~ f~ ~ of Other A~em~t. ~y b~h by ~antm und~ t~ t~ ~ n~ ~ ng~ ~ ~ant~ and ~ ~t~n a~ g~ p~ prodded ~Nn, ~u~ ~hout ~flon ahy a~ ~ any ind~tedn~ ~ ~h~ ~fl~ el Gmni~ to ~, w~t~ ~ang now m ~. Evils Afl. ting Gu~tor. Any of the p~ e~n~ ~ ~ r~ to ~y G~ntu d a~ of I~ I~d~ d~ ~ ~o~ i~ompe~nt. RIG.S ~D REMEDIES ON D~A~T. Upon t~ ~ of any E~nt of ~fau~ a~ al ~ H~ ~fl~, ~nd~, at any o~ ~ rome ~ the f~owing dgh~ and mmedl~, In addition to any ~ dgh~ m mme~ p~ by ~lerMe I~ebt~ne~ S~ 1o appl~ble ~w, ~nd~ s~a ~ t~ ~M at ~ ~flon ~lho~ no~ to Gmnt~ Ind~d~ ImUniVy d~ and ~. ~UCC Rem~le~ ~lh r~p~ to ~1 ~ any p~ ~ I~ P~o~ Pro~, ~n~ sh~ ~ ~ ~ ~ and m~ of s ~d p~ und~ t~ Unarm ~c~l Coll~ Rent~ Lender s~a ~ the dght. without notre 1o Gmnt~, to ~ke p~=~on ~ ~ ~ and c~l~ ~e Ren~, I~u~ amoun~ past d~ and unpaid, and apply t~ net pr~, over and sb~ ~s ~. against ~ In~bledn~s. In I~hem~ of t~ ~ht, ~nd~ may require say tenant or other ~r of I~ Prope~ to m~e paymen~ of mai or ~ fe~ dirty to Lender. If the Ren~ am col~t~ by ~ndeq then Grantor i~ev~ab~y desig~les Lender as Grantor's a~orney-i~fa~ to endo~ i~bumenls r~eived In payment th~eol in Ihe ~me of MORTGAGE (ConUnued) J. dlc~ Fo~ Londlr may tX:)lein a JU,er.bu deonjo ~ GmflMr*t IrMm~ In al or any part of the Properly. NonlmJlctol ~ato. ff pmmit~d by abpllcebto I~w. Lendor may fo~,~,'~ G~ Inf~ In d or Iff any pad d ttm Rmsomd Propedy or t~ ~ Propmty by no~jp~J~l asia. Oel~dancy JudgmanL lender may obtdm a Judgmant for any d~ rain,dranO In Ihe Indebindncas dul In Lander ~ KopBcatiee of d amounts raceivnd from lira exor~as of the dgl~s prodded In thls se~lon- Tanancy al SoffollUlon. If ~rantor romalnc In ~ of ~ Frop~y ~ the Fl'op~ty IS asld al provided above or Landor ofhe~Aas becomM anUtied to p~f,m of the Pmpmly upon deleu~ of G~antor, Granl~ she0 banome a leMnt ~ ~ of ~ or h P~ of the Prope~yandshel, at Len~s option, eflhor (a)payaruceecabinranlallorlheuasofthePmpmty, or (b)vsualelhePro~lmme~in;y upon Ihe demand of LandM. Other Remedtos. LandM she# here all ofhm. fights and remedlas prodded In this M~ {x the NOf~ or 8valtoble at law or' In eqLf~Y. Sale of Ste Pfol~Hy. To tim extont pormittnd byappicableinw, G~min~hombywal~alanyandd r~h~toheve~~d* In sales. Landor shell be antitind to bid at any pub~o sale ee all or ony po~m of the Prop~tY. Noflce of SaJe. Lender shal give n"an~ rasasnable ncb of the Uma and Pleoe of anY PaM= asle of me Pommel Prope~or of the ume eae~ wh~h any p~Iv~to sein or othw Iflbnded d~fl of the Poreen~ Properly Is to be made. Urdass utheMise r~lulmd by appr."~hLa inw, rasconable onllce sheti mean ontioe gf~an at inast Inn (10) deys hetom the Ume of lbo asle or disPalitlon- WMv~, Election of RemndtoL A v/alvor by any puffy of a l~as4~ of a ixovidon of thb Mortgaga shell n~ consittute a we]vor of or Prelndk:e the pmty, s dghls ofhmwise to demand sV~ nomptiance with tim pmv"don or any ofher Ixo~do~ Boo,on by Lundin' to pursue any remedy shal nut e0(cinde pursuit of ony uther remedy, and an eM..-Iton to make expandltu~'as or tahe a~.~on to gedorm an ob"ge#on of Grantor eedor I~IS Modgaga after failure of Grankx to p~form shell not alfe~ Lendor's ~gM to dsu~m a d~auit and exordas Its remedins under tide Idmtgega. Attomnye' Fees; Expenses. If Lender lee~tutas any suit ~ sution to enforce any of the lemm of this Morlgage, Landor ~ be eutitlad to mcorp' such sum as the noert may adjudge masoncble as altomeys' fees at Va] end on any al~ Whet~u' or nof any COUd action Is Involved, alt · reasonable e3q)ancas Incurred by Lendor tlmt In Lendei"s opinion m'e eecasas~/al any ~ Ior the pruted~on of Its ~ or the eoforcemant of lb rights shall bononle e puff of tho Ifldeblednal$ deyabM on ~ and shall bant Ininrall Imm ti~l~ d~a of ~um until repaid Id It"~ rale pro~ded f~ In the NOf~ Expuns~ cov~ed by this demgrabh In~ude. v/4he~ limlbiton, bowev~' Sub~cot tanny IInllb undor ed~r~.b~ iow. ~--flfldudlno nff~xts to~ mod_ih' or vsu~le ,ny eofoma~ slay or InJunm~on__ ~. appasli ~n~ any m~l~cmm~ p0~.-Ju~gmer~ ~,',q sanaees, .',e co~ m_ _ perm#led by N3pacabln iow. Gmnlor alan win pay lay co~t ~t~, In nddliton Io all ofher mm~ pro~PJe-'?-- by Mw. NOTICES TO GRANTOR AND OTHER PARTIE~. Lininas OUlmWbe provided by abl~lncble law, any ~ under ~ Morlgaga nhd be in v~lthg and when deposited In the United ~tatns ~ IIr~t cl~s0 rnglalored mall. pM~ge pmpakl, diranMd to Itm e~ shown cern' Ihe beginning of this Modgage. Any gerly may cl~ange lin acldrals for notices uti. der IMS Mortgage bY ~ldng form"l v, fltlen noUca to the ofher pm'lMs, sPe~fYing that Itte purpoM of Ibe nolk~ is to change the party's eddraas. All copies of nob:al of foreclosure Irom Ihe helder of any lien which hal priority over this Morlgagn shel be sent to Lender's address, as ahown near the beginning of Ih~ Idorlgaga. For nonce purpnsee, Grantor egrass to keep Lender informed et all times of GmnloCs corrani address. MiSC;; ~NEOUS PROVISIONS. The foaowlng mlsca#aceoca provisions are · pet of this Mor~ Amendments. Th~ Mmtgnge, together win any Ralaled Documents, constitut~ the entire under~m~ng sod agreement of the parties as to the melters set forth In Ibis Mmtgage. No alteration of or amandmant to Ibis Mmtgaga shell be eIIn(~ve unless given In wri~ng end slgncd by party or parlins SnogM to be ohargad or bound by the alinmlton or amendment. Applicable Law. Thle Mmlgage has been delivered to bender and ac~ed by I.m~or In lbo CommonwasNh of Pononylvanla. TNn Mortgage aball be gevnmed by and conalrund In accordance wllh the laws al tim Commonwallllt of pannsylvords. Caption Headlnge. CapUon heedinga In ~ Mm'lgege am for nonverdance puq~aee only and ~re oaf to be used to luteqxM or dallrm the I~ov~Jons of Itds M~flgaga. Merga~. Them almlJ bo no rncrOor of tho Jntomal or estato oreeled by ~ Morlgago ~ any othor IntemM or asleto In the Pr~oedy at any limo held by or for the boce~ of I..and~ in any capa~, without the wd~an consant of Lender. Multiple Parttos. A. ob,oatinns of C~mntor under I~s Idor~aOo she" be ~of and ?u~al......and .d i~hin~n~a~ ~rantor she, mean ouch and eve~ ~'antor. Th~ means that eec=h of the pm-.,ons slofling betow is rosponalbin f~' all on,geeens tn :s oflgage. Saverabitlly. If - cotrt of competent Jurisd:v~on tinds any prov~on of this Moflgega to bo bwalld or u~,oflfomonbin as to any po~on or circumstance, such tinding shall nut t'ende; that provision Invalid or uneofon:eahle as to .,ny ~ persons or c~V~umsleflce~ If leaslble, suy such offending prodsJofl sheti bo deemed to be mnd~nd to bo within the Imits of Oofor~u~h~lly ~ vnti~y; however, It the oflendlng pro. staff cannot hO SO mo"~flnd, It shall be stdckan and a, othm' prov~ons of tlx~s Modgaga in 811 ofhor respects shall romain vatid end Scocaasor8 and Aaslgns. Su~Jeof to Ihe llm~ations stated In this MoflOnge on trunsM of Grantors Intm'osL this Mertgage shall be bln~ng upon end Inure to the benoftt of tho pafllee, lheir hobs, per3onsl rop~esoutalJvos, ~ors and uc~gns. It owne~lp ~ the Properly becomes rased in a pefl~on other then G~antor. Lender, w#hoof notice to Grautor, may deal w~A {~anto~s SL_~,~___eO~S With mfemnco to this Mo,'toaoe and tho Indsb~dnass by way of Infl3astznco ~ exlenslon without releasing ~rantor from tho obtigalJose Of this Ivlortgage or I~bmty unde*' the Indebtedness. Tlmo In of the Eseence. Time Is of the e~sence in the den'onn~nce of tlds Modgege. Wa)vets and Consents. Lender shall not be deemed to have waived any dghts under this Modgage (or under the Reintnd Documents) unisss MORTGAGE *~ Page (Continued) (~) ;~ ~ suc. h wid~mr b In va~ng and signed by Landan Ho d~y ~ Qmkdon on Ihe P~d d Landit In exan~JnO any dght shM 4~mM as I vmK'er d su=h d~ht or ~fly QUtM K~Yd. A WM'~( by any PmlY OII PrOvlsk)n d INs ~ shM n~ ~---~'-~ I w~er M ~ P~'~ ~ toe PmtY's ~M cornant by Land¥ Is mqubed in lhls Id~ge, Ih~ grm~ng Gl SU~t consm~ by Lm~er In ~ i~ ~ ~ ~ ~n~ ~ to subMquant instaneas wh~e sue. h consanl is required. EXHIBIT A. An exhib~, Ill, ed '~YJtJblt A." is iIt~Ghecl to this Idndgagl ~nd by Ibis mfe(ance is mnde a p~t o~ ~ Idndg~ge just is if ~ll the p~wlslon~ IMmS and conditions M Ihe Exhibit h~d hean fu~y S~ ~ ~odh In this Mod~NW. EACH GRANTOR ACKNOWt. E~GES HAVING/F~.~D ALL THE PROVISIONS OF THIS MORTGAGE~ AND EACH GRANTOR AGRI~ TO ITS CERTIFICATE OF RESIDENCE I hereby cMtliy, thai the pr,.,';*~ addres~ ~ Ihe modgagae. Farm~m Tm~ Compaey. heroin is as IMows: INDIVIDUAL ACKNOWLEDGMENT Off this d~y before me, the undersigned N~my Pubic, personally appeared Timothy M. Scflenk and Heather L Schas~, Io me known to be the IndlvldueJs descr~ed In and who execuled lhe Mo~gage, and ex~nowiedged thel they signed the Mo~gage as their Iras and voluntan/ant m~l deed, for the UM~ and purp_~*.,~__ ther~n mentioned. Given under my hand and official .al Ihl, .-~/ ~ ,/~'") 4~ (~'-~ day o1 , lO . p~ncla j. Thomson. Nota~ Pul)l~ EXHIBIT A 3orrow~. 'f~la. Schenk ~ Fgmeml'niCooqmny Heather I- 8chink lalehlldel~4~ OIIlel 1210 MUIkll Leal Oltl WlI~ I'loil 81tilt M---~"'~'~0~PA 17065 CIIIII~PA 17013 ALL THAT CERTAIN PARCEL known as Lot//102, Phase 2, Section II, Hampden Heights, Hampden Township, Cumberland County, Pennsylvania, according to a Plan of. Hampden Heights for Park Hills West, Inc., by Whitteek-Hanman, Robert Hartman, R.P.E., dated D_~_ember 18, 1987 and recorded in Plan Book 58, Page 39, bounded and described in accordance with said plan as follows: BEGINNING at a point on the western fight-of-way line of Musket Lane, said point being a :ommon property corner of Lot//101 (existing) and Lot//102; thence fxom ~i,t point of beginning along mid Lot//101 (existing) South 77 degrees 35 minutes 09 seconds West a distance of 12~.00 feet to a ~oint )n the property line of Lot//104; thence by a portion of Lot//104 and Lot//103 Nor~ 12 degrees 24 .~inutes 51 seconds West a distance of 145.82 feet to a point on the Southern right-of-way line of Musket Lane; thence along said southern right-of-way line of Musket Lane South 87 degrees 09 minutes 52 seconds =~ast a distance of 53.17 feet to a point; thence continuing along same and by a curve to the right, having a adius of 100.00 feet, an arc length of 130.46. feet to a point; thence continuing along same South 12 legrees 24 minutes 51 seconds East a distance of 35.36 feet to a common property comer of Lot//101 existing) and Lot//102, the point of BEGINNING. BEING LOt//102, containing 14,982.07 square feet or 0.3439 acz~s, as shown on the Final Iubdivisiun Plan of Phase g2, Section 1I, as prepared by Whittock-Hartman, Robe. R G. Hartman, Jr., P.E., ~.S., dated December 18, 1987. BEI2qG the same premises which Richard C. Thomas, Jeffrey A. Thomas and Michael D. Thomas, ~artners, by their deed dated May , 1995, and recorded in the Office of the Recorder of Deeds in and or Cumberland County, Pennsylvania, immediately prior to the recording of the within Mortgage, granted nd conveyed unto Timothy M. Schenk and Heather L. Schenk, husband and wife, Grantors and longagors herein. SUBJECT to Protective covenants recorded in Cumberland County Recorder of Deeds Office in iiscellaneous Book 265, Page 599 and Miscellaneous Book 299, Page 524. THIS E)G'IIBIT A I~ EXECt~I r.u ON M~Y 51, 1996. · ~ .... Au~d 0~ Exhibit "B" PROMISSORY NOTE Borrower:. ~.o~y u. Sd~.k Lender:. Formers Tram Company Heedter L. Sof~nk 1210 MUM~t Lane Ooe We~ Hlglt 6treet Me~haofc~blG'g, PA 1701~ Cad~ PA 1701~ Principal Amount: $255,000.00 Date of Hole: May 31, 1995 PROMISE TO PAY. I prombe to pay te Ferme~ Tn~l C~mpany ("Lander"). ~ order, In Inwful mmtey of the United IIb4e~ of Amed¢~ the prb~pof amount of Two Huedted Fifty ~ lhonannd & 00/100 DOIfMT (~,ooe.oo), tooethM with intMeM on the unpaid Iwinofpal batemm /rom Mny '~1, 19~6. unto petd In lu#. The IntereM rite wOl I~011ncranM IInWo 10.~0%. PAYMENT. SubJeof to any payment ofsan~ ranulifno groin chen0e~J In M I~,M_Y. I wig pay thte InMI k ic~ordenue with the th$0wtoO paymeof .ch~Juin: · 12 COllanOutlve moofh~( p~nofpet and Ininreof paymente of $1~71.10 each. beginning Jus~ ~0, 19e~, with thtere~ cagculofed on the uopofd p~nofpal ~.,)f-~,~.ue et an Interant rate of 6~000% per lumum; and 346 conancut~e moothly W and Intere~ paymante In the InlUaJ anmuet ol $2,102.ea _-__~_, be~nntho June 30, 1006, wl~ Intere~ cofcul~ed on the u~%-~_ ~ p~ndpM b~ancon M an Mtore~ rate of ~600 porte.age pointo over the Index dan~bed b,~_~w. My rmet payment ww be due on May ~0, ~025 and, wl~ be for MI pr~dpM Mld esamJed IntereM oo~ yel pMd, together with lily other ueplJd amounte under ~ Note. I wil pay Len~M et Lend&,'$ &ddr~s shown ebo~ or et such othor pbK~ es Leedor rMy desJ0nete In WTW~ Un~M MheMIse ~0rand or mqLd~d by end Inla chmge~ VARI~m ~= INTEREST RATF-- The Inlarest ~te on thla Note la subject th ~ lmm itme In itme b~sed an c-hanges In an Indic which b the Montidy' or dm:roes4) il · Onanoe In the Index la laos Ifmn one-quiuter pan:MdaOe p(MOf an any (~hlnoe dote. Land~ wi lade me Ine ouerant Index rib upon my or rotan ant /o~h M]ove In the 'Payment' anctinn. NotwilhofandinO any othor pmvlakm of thM NOIn~ Ihe Uedabte ~ rate or nde. provided for In Ihte Note will be anbJeof to the foltowing m~dmum rote. NOI~CE: Undor no d~roumsinn~M wi Ihe In4M~t fete an th~ Note rome than Ihe ~,--? of 10.500~ per enoum or the maximt~11 fete Meowed by a.~,~ble kw.' ~ Ihe deove prov~:~n~ the ma~dmum, Increase or deoreese in the inte~ rate et eny one itme on Ifds loan will not ~v__c~_d P-{X)0 pe~enla~e polnla. Unle~ wetved by Lend?, any Inc_r _'~___*~ In the Interant rate will Inoranan Ihe amounte of my paymante. PREPAYMENT. I egrno thet e# loan tees end ofhe~ prepeld itnen~e cherges ere esmed ftC/es M the deb of ~ ~ and ~ be ~ ~ ~ upon eedy paymeof (whethor volunla~y or es e resMi of deteMi), ~ es ofherv~e r~quked by law. E~l for Ute Im~gok~ I me¥ pey wliftout penalty d or · portton M the emouof owed en~or Ihen N is due. Een'y paymenis vAI n~, unlas~ Nxend lo by Lancler In wrl~ng, ndleve me M my ob~lton In conUnue to meke paymanla under the paymeof ~cheduin. Rether, they ~ redune the ~ belan~e due end n~y rMue in n~ metdng tew~ payments. LATE CHARGE. Ifepa~neofis 1~; dnye~r more tete, I wll~ be cherged 6.000% of Ute regul~ly ~heduled paymenL DE~AIA.T. Iwilbeindeinu#lfanyof~neto#owlng heppens: (e) llaittomakeenypaymenlwhan due. (b) lbrMk~nYlXOl~dselhavemadein Lander, or I Inff lo pedorm promptly et the itme end sbk~ly In the nmrmor provided In ~ Noin or any ag~enmant related In this Note, or In egmement or Inan I he~ with Lendor. (c) A~y represeofetion or stetemenJ made or tomkhed In Lender by me or an my behellis fake or mkteading In ~y~**metehel re~ (~ I .dte or beoorne irec4veof, e reoelvor Is eppolnted toe eny per~ o~ my properly, i make an aMI0nmant for ihe banefltM n~rs, or any procan~ng is commanoed ~lhor by me or eOal~nd me under eny benkruptoy or ~ laws. (e) Any crerglor ~ In bike eny of my propedy on orin whloh Le~clar hose gan or ~ecudty InteresL Tlds Includesa garnishment ofenyof myec~ouniswifh Lor~. (t) Anyof theevanla de--ed in th~ deteuH escflno oooure with resp~ to eny Ouarefltor of thla Note. LENDI~R'S RlGi.rr$. Uppn default, Lender may, eflm' g~vin0 suoh notices es reqLdred by epF, _nc~_~e law, de~ the anlke unpaid pdnl:~oM batem~ on this Note end eft acc~ed unpaid interest Imme~ete~y due, and then I wLq pay that enmunL Lender may hke or pay anmenne else In help ~ this Notel~ldonotpey. lelaowlXpllyLenderlhetemou~. Tldsin~subJe~tom~ylindt~ under epp4~ law, Lended&~.,..,ley~,fes~anclLendm~ wcate any euthmetlo slay or Injunoiton), epponis, end any enitdpated posl-Judgman~ _ _ _~?'~'qo_ n ~ If not p~ by epp#uebla law, pay any anud coste, In edd[Uon th MI ofher eume providecl by law. If Juc~0mont is entered In oonnentinn wilh Ifds Nofe, IninmM will oordinue th ecctue on fids Note offer Judgment et the Intemof rote ap~!~*~e to th~ Note et the time Judgment i~ entered. TMe Note line been deffvmed to Londer end accepted by Lender In the CommonwanJth of Pannaylvante. If Ilmre I~ · Inwanlt, I e0ree upon Lender'e requanl to w, zbmll to the JudwilofJue of the courte of Cumberland County, Ihe Commomvesflh of Penrmylvanla. Thte Note Mmif be 0ovemed by and oouebued th anuegdamm with Ute lawo of the Commonwealth of Pennaylvanla. RIGHT OF SETOFF. I Grant In I. ander · onnlraofuaJ pc,~ _ _~__~o~y seoudty Inlare~ In, eed he.by esslgn, oanvay, de~, pisd0e, end lranofer In Lender all my right, itffe encl interesl tn end to, my e~nouflla with Leeder (whether ohecldng, sevlngs, or some outer ~'_ccouof), In~luGIng wlthoof gnd~tton eooouofs he~d jointly with someone ~ end IdJ eocounla I mey open in the future, excludl~ however ell IRA, Keogh, end Itust au~ounls. I eult~ Lender, to the extent permitted by appl~abla law, to oher0e or setoff eft suma owing on Ifd,s Note egainsl any end ell such ecx~xmte. COLLA~ This Note is senured by · Idodgage dated May 31, 1996, to Lender on reelpr~pedy located In Cufrd~dend Courdy, Commonweeith Pennsylvante, eit the terms end conditions of which ere hereby Incorpomtod and made · part of this Note, · '.: '; (Continued) . · Page pMson who .lgns, guer~nb~ may mocEy IJliS/omi vA~hout lAG I~flsitn~ o/c~' no~ce to iflyono Giber IJllfl tho piCdy v/dh ~ h ~ b ~ NOlO ~re Joiflt and sovoral. T~ meatus thai the words 'T', 'm~', afld 'my" mmm ee~ and d o/tho persons t~Ofll~ bdow. PRIOR TO SIGNING THIS NOIP_, I, AND EACH OF VARI~Pd t~ IN I E:HEST RATE PROVISIONS. I, AND EACH OF US, AGREE TO THE TERMS OF THE NOTE A/dO ACICNOWI.EDGE RECEIPT' OF ' -' - ' X months from 1~e daqt_hereof in 360_ _ monthly installments of Varlab~ Dollars and the first installment to be paid on dune 3U , 19 ~, and the succeeding installments to be paid on the 30th day of each month thereafter until the entire sum due is paid in full. This Mortgageand the lien thereof shall be security for this debt and for any and all loans that may be made by MORTGAGEE to MORTGAGORS at any future time; provided, however, that at no time sh~[,t,h~(~m,q~ the unpaid balances of the present debt and all subsequent loans exceed in the aggregate an unpaid face amount of $ /,~ ~ u. uu . MORTGAGORS covenant and warrant that MORTGAGORS have full fee simple title to the mortgaged premises hereinafter dascr}bed, that MORTGAGORS will pay the above mentioned debt as required by the said note, and any futura loans as required; that the buildings on the premises shall be kept insured against loss by fire for the benefit of MORTGAGE Eo in companies and amounts satisfactory to MORTGAGEE, with a standard mortgagee clause; and MORTGAGORS will pay any tax, assessment or other governmental charge, including water and sewer rents, assessed against or imposed upon the said premises, and will deliver to MORTGAGEE receipts therefor immediately upon demand. Upon nonpayment by MORTGAGORS of any installment on the date when such installment shall fall due, the entire balance of the aforesaid debt shall become due and payable, at the option of MORTGAGEE, as provided in the note. In the event that MORTGAGEE retains an attorne~ to institute an action on the said note or to foreclose on this Mortgage, then MORTGAGORS shall pay, in addition to the balance due on the said note, including Interest, if any, an attorney's collection fee of 15 percent of the full amount then due and costs of suit; and in the event that MORTGAGEE obtains a judgment against MORT- GAGORS in the suit on the said note or on this Mortgage, and thereafter issues a writ of execution or other appropriate writ on the said judgment, then MORTGAGORS hereby waive all rights and benefits under any and all laws or rules of court now or here- after in effect granting or permitting any exemption or stay of execution against the mortgaged premises or any other property whatsoever, and any such Judgment shall beer interest at the applicable rate until the full amount due MORTGAGEE is actually paid, by the Sheriff or otherwise. NOW THEREFORE, MORTGAGORS, in consideration of the said debt, and to secure payment thereof, hereby grant. bargain and sell to MORTGAGEE ALL THAT CERTAIN tract or parcel of land Situate in the Co.inty of Perr~ Commonwealth of Pennsylvania, more partiC~larly described in the Deed recorded in the office for the recording of deeds in Deed Book No. 542 page ~[~) "and otherwise known as" R.D. $1r M~llerstov,~it PA 17062 .qme land mnre fully described in Exhibit A. attached hereto and Incorporated herein by reference thereto. TOGETHER with the buildings, improvements, rights, privileges, hereditaments and appurtenances, and the reversions, remainders, rents, issues and profits thereof. TO HAVE AND TO HOLD the said premises unto MORTGAGEE forever. PROVIDED, nevertheless, that if MORTGAGORS shall pay to MORTGAGEE the entire debt as hereinbefor? set forth, then the estate hereby granted shall cease, determine and become void. IN WITNESS WHEREOF the said MORTGAGORS have hereunto set hands and seals the day and year first abovb written. in the preseoce of: (SEAL) COMMONWEALTH OF PENNSYLVANIA---- ----SS COUNTY OF CUM'BERI~',ID ' __ On the 3let above-named Kenneth E. Schenk day of ~ay ,19 95 , before me, personally appeared the and Patrtcta A. Schenk and in due form of law acknowledged the above INDENTURE OF MORTGAGE to be their free and voluntary act and deed, and desired that it be recorded as such. The address of the within-named Mortgagee is I W. High St., Carlisle, PA 17013 on behalf of MORTGAGEE Notary Public { No~ie, s~ J Pat~cia J. Thomson. Notapy Plenty M~a ~, ~ Exhibit "C" EXHIBIT A ALL THAT CF::RTAIN PARCEL known as Lot #102, Phase 2, Seer/on II, Hampden He/gilts, Hampden Township, Cumberland County, Pennsylvania, according to a Plan of Hampdm He/ghts for Park Hills West,/~c., by Whittock-H~onan, Robert Hartman, R.P.E., ~___~4_ December 18, 1987 and recorded in Plan Book $~, Page 39, bounded and describ~l in accordance with said plan as follows: BEGINlqI~G at a point on tho western fight-of-way lino of l~f.*l~ Lane, mid point being a common property comer of Lot #101 (existing) and Lot #102; thance from mid point of bogim~, g along said Lot #101 (exiating) South 77 deg~ 35 minut~ 09 ~ Weat a di.,tm.av~, of 125.00 fent to a point on the property line of Lot #104; thence by a po~on of Lot #104 and Lot #103 No~h 12 ~ 24 minutes 51 seconds West a distance of 145.82 feet to a point on tho Souflmm right-of-way ~ of Lane; thence along said southern right-of-way line of M,,.t.~ Lane South g7 d~gnm~ 09 minut~ 52 mconds East a distance of 53.17 feet to a point; thence continuing along same and by a curve to tho right, having a radius of 100.00 feet, an arc length of 130.46 feet to a point; thonc,~ continuing along ~une South 12 degrees 24 minutes 51 seconds East a distance of 35.36 feet to a common ~,,u~rty comer of LOt #101 (ex/sting) and Lot #102, the point of BEGINNING. BEING Lot #102, containing 14,982.07 ~uare'feet or 0.3439 am'es, as ~hown on the Final Subdivision Plan of Phase Ir2, Section 1T, as prepaz~ by Whi~toek-Hamnan, R. ober~ G. Pmrttmm, Jr., P.E., R.S., dated December 18, 1987. BEI]qG the same premises which Richard C. Thomas, Jeffrey A. Thom~ and Micha~ D. Thonla~, pa~ners, by their deed dar--4 May , 1995, and recorded in the Office of tim Reonrder of Deeds in and for Cumberland County, Pennsylvania, immediately prior to the recording of lira within Mortgage, granted and conveyed unto Timothy M. Schenk and Heather L. Schenk, husband and wife, Grantors and Mortgagors herein. SUB.CT to Protenfivo covenants recorded in Cumberland County Recorder of Deeds Office in Miscellaneous Book 265, Page 599 and Miscellaneous Book 299, Page 524. THIS EXHIBIT AI$ EX~ ON MAy 31,1096. Exhibit "D" Exhibit "E" NOTICE REQUIRED BY THE FAIR DEBT COLLECTION PRACTICES ACT, (the Act) 15 U.S.C. SECTION 1601 AS AMENDED 1. This law finn may be deemed a "debt collector" under the Fair Debt Collection Practices Act. Any and all information obtained during the prosecution of this lawsuit may be used for the purpose of collecting the debt. 2. The amount of the debt is stated in paragraph 9 of the Complaint. 3. The Plaintiff as named in the Complaint is the creditor to whom the debt is owed, or is servicing agent for the creditor to whom the debt is owed. The undersigned attorney represents the interests of the Plaintiff. 4. The debt described in the Complaint, evidenced by the copy of the mortgage note attached hereto, will be assumed to be valid by the creditor's law firm unless the debtor, within thirty (30) days after the receipt of this notice, disputes in writing the validity of the debt or some portion thereof. 5. If the debtor notifies the creditor's law finn in writing within thirty (30) days of the receipt of this notice that the debt or any portion thereof is disputed, the creditor's law finn will obtain a verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law finn. 6. If the creditor named as Plaintiff in the Complaint is not the original creditor, and if the debtor makes a written request to the creditor's law finn within the thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law finn. 7. Written requests should be addressed to Spear & Hoffman, P.A., 1020 North Kings Highway, Suite 210, Cherry Hill, NJ 08034. SHERIFF'S RETURN - NOT FOUND ~CASE NO: 2002-00520 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND MANUIFACTURERS AND TRADERS TRU VS SCHENK KENNETH E ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT but was SCHENK KENNETH E unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - MORT FORE the within named DEFENDANT , NOT FOUND , as to SCHENK KENNETH E DEFENDANT DOES NO LIVE AT ADDRESS PROVIDED. Sheriff's Costs: Docketing 18.00 Service 7.59 Not Found 5.00 Surcharge 10.00 .00 40.59 R.? Thomas Kline Sheriff of Cumberland County SPEAR & HOFFMAN 03/12/2002 Sworn and subscribed to before me this /~ -- day of774~3~7 A.D. Prdtt~onot ary SHERIFF'S RETURN - NOT FOUND CASE NO: 2002-00520 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND MANUIFACTURERS AND TRADERS TRU VS SCHENK KENNETH E ET AL R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT SCHENK PATRICIA A unable to locate Her COMPLAINT - MORT FORE but was in his bailiwick. He therefore returns the , NOT FOUND , as to the within named DEFENDANT , SCHENK PATRICIA A DEFENDANT DOES NOT LIVE AT ADDRESS PROVIDED. Sheriff's Costs: Docketing 6.00 Service .00 Not Found 5.00 Surcharge 10.00 .00 21.00 So answer~g~ _.~-'~/-" ~.~/"-.~' R.,.;' T~o'mas Kline Sheriff of Cumberland County SPEAR & HOFFMAN 03/12/2002 Sworn and subscribed to before me this /? ~ day of ~ 2~2~ A.D. Prothdn~t ar~ - SPEAR & HOFFMAN, P.A. BY: BONNIE DAHL, ESQUIRE ATTORNEY I.D. NO. 79294 1020 KINGS HIGHWAY, SUITE 210 CHERRY HILL, NJ 08034 (856) 755-1560 ATTORNEYS FOR PLAINTIFF MANUFACTURER'S AND TRADERS TRUST COMPANY, SUCCESSOR BY MERGER WITH KEYSTONE FINANCIAL BANK, N.A. SUCCESSOR IN INTEREST TO FARMERS TRUST COMPANY PLAINTIFF, VS. KENNETH E. SCHENK AND PATRICIA A. SCHENK THE UNITED STATES OF AMERICA 1210 MUSKET LANE MECHANICSBURG, PA 17050 and 615 CHESTNUT STREET, SUITE 1250 PHILADELPHIA, PA 19106-4476 DEFENDANT COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 02-520 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE COMPLAINT IN MORTGAGE FORECLOSURE TO THE PROTHONOTARY: Kindly settle, discontinue and end without prejudice the above captioned complaint in mortgage foreclosure. SPEAR AND HOFFMAN, P.A. Attorneys for Plaintiff