HomeMy WebLinkAbout05-6108
o .
UNRUH, TURNER, BURKE & FREES, P.C.
By: JOHN K. FIORILLO, ESQUIRE
ATTORNEY 1.D. No. 55658
P.O. Box 515
WEST CHESTER, P A 19381-0515
610-692-1371
ATTORNEYS FOR PLAINTIFF
ROYAL BANK AMERICA, formerly known as
Royal Bank of Pennsylvania
40 I Fairmount A venue
Philadelphia, PA 19123
Plaintiff
: IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, P A
CIVIL ACTION - LAW
v.
: No. 0':)- (.,IO~ C~ T;--.
AHMAD MOHMAND,
AND JEANNIE BO YON MOHMAND,
HUSBAND AND WIFE, AND
JA VID MOHMAND
817 Meadow Lane
Camp Hill, P A 17011
Defendants
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this complaint and notice are served,
by entering a written appearance personally or by attorney and filing in writing with the court
your defenses or objections to the claims set forth against you. You are warned that if you fail to
do so the case may proceed without you and a judgment may be entered against you by the court
without further notice for any money claimed in the complaint or for any other claim or relief
requested by the plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, 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 MAY BE AE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY LAWYER REFERRAL SERVICE
32 South Bedford Street
Carlisle, P A 17013
(717) 249-3166
.
UNRUH, TURNER, BURKE & FREES, P.C.
By: JOHN K. FIORILLO, ESQUIRE
ATIORNEY 1.D. No. 55658
P.O. Box5l5
WESTCHESTER, PA 19381-0515
610-692-1371
A TIORNEYS FOR PLAINTIFF
ROYAL BANK AMERICA, formerly known as
Royal Bank of Pennsylvania
401 Fairmouut Avenue
Philadelphia, PA 19123
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
v.
CIVIL ACTION - LAW
No. os- ~ I oS C~ '-r;~
AHMAD MOHMAND
AND JEANNIE BO YON MOHMAND,
HUSBAND AND WIFE, AND
JA VID MOHMAND
817 Meadow Lane
Camp Hill, PA 17011
Defendants
COMPLAINT IN MORTGAGE FORECLOSURE
And now comes Plaintiff, Royal Bank America, formerly known as Royal Bank of
Pennsylvania, by and through its attorneys Unruh, Turner, Burke & Frees, P.C., by way of
Complaint against Defendants, Ahmad Mohmand, Jeannie Bo Yo Mohmand, husband and wife,
and Javid Mohmand, avers as follows:
I. Royal Bank America, formerly known as Royal Bank of Pennsylvania
("Royal Bank") is a banking institution with an address of 401 Fairmount Avenue, Philadelphia,
PA 19123.
2. Upon information and belief, Ahmad Mohmand and Jeannie Bo Yo
Mohmand are husband and wife, who along with Javid Mohmand are all adult individuals who
reside at 817 Meadow Lane, Camp Hill, P A 170 II.
.
H:\Documents\Michellt:\Royal\Mohmand\Coml'laintdoc
November 22, 2005
3. On or about September 14,1999, in consideration of monies lent, Ahmad
Mohmand and Javid Mohmand ("Borrowers") executed and delivered to Crusader Bank
("Crusader") a note in the original principal sum of $152,000 (the "Note"). A true and correct
copy ofthe Note is attached hereto as Exhibit "A".
4. In order to secure their obligations under the Note, Borrowers executed
and delivered to Crusader a mortgage (the "Mortgage") on certain real property located 817
Meadow Lane, Camp Hill, P A 170 II (the "Property"), which Mortgage is recorded in the Office
of the Recorder of Deeds Office for Cumberland County as Mortgage Book 1571, Page 94 et
seq. A true and correct copy of the Mortgage is attached hereto as Exhibit "B".
5. At the time the Borrowers executed the Mortgage, Borrowers were the
owners of the Property.
6. A description of the Property covered by the Mortgage is attached hereto
as Exhibit "C".
7. On or about December 4, 2002, the Note and Mortgage were assigned to
Royal Bank of Pennsylvania ("Royal Bank"). Royal Bank is the current holder of the Note and
Mortgage. A true and correct copy of the assignment is attached hereto as Exhibit "D".
8. Subsequently, Javid Mohmand executed a quit claim deed for his interests
in the Property.
9. The current and real owners of the Property are the Borrowers, Ahmad
Mohmand and Jeannie Bo Yo Mohmand, as husband and wife.
10, Borrowers have defaulted on their obligations to Royal Bank pursuant to
the terms of the Note and Mortgage by virtue of various events, including without limitation,
failing to make payment as and when due.
- 3 -
.
H :\Documents\Michelle\Royal\Mohmand\Complaint.doc
November 22, 2005
II. As a result of Borrowers' default, the following amounts are immediately
due and payable under and in connection with said Note and Mortgage as of November 21,2005:
Principal
Interest as of 11/21/05
Late charges
Fee balance
Estimated Attorney's Fees
TOTAL
$145,763.52
$ 4,886,67
$ 204.30
$ 1,733,13
$ 1.200,00
$153,587.62
Interest continues to accrue from November 21, 2005, at the per diem rate of $41.50.
12. Pursuant to the terms of the Note and Mortgage, the Bank is entitled to
recover all reasonable costs and expenses of suit including, but not limited to reasonable
attorneys' fees. As set forth above, at this time, the attorneys' fees are estimated to be $1,200.00.
The Bank is entitled to recover reasonable attorneys' fees it incurs in excess of$I,200.00.
13. The notice requirements of 35 P.S. ~1680.403(c) ("Act 91") have been
complied with, true and correct copies of the Act 91 Notice are attached hereto as Exhibit "E".
The notice requirements of 41 P.S. ~403(a) ("Act 6") are not applicable.
- 4-
.
H:\Documents\Michelle\Royal\Mohmand\Complaintdoc
November 22, 2005
WHEREFORE, Royal Bank America, demands judgment in mortgage foreclosure in its
favor and against Defendants, Ahmad Mohmand and Jeannie Bo Yo Mohmand and Javid
Mohmand in the amount of$153,587.62, plus interest from November 21,2005 at the per diem
rate of $41.50 or the amount of interest accruing in accordance with the terms of the Note,
attorneys' fees in excess of $1,200,00, and all costs and expenses relating to the sale of the
Property and for sale of the Property.
Date: -11) '7"/ Q 5'
Respectfully submitted,
UNRUH, TURNER,
By:
,P.C.
- 5 -
C\windows\ TEM P\Complaint4 .doc
lll2!OS
VERIFICATION
I, Joseph Zakorchemny, Jr., hereby verify that I am a Senior Vice President and that I am
authorized to make this verification on its behalf, and that 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 subject to the penalties of 18 Pa. C.S.
Section 4904 relating to unsworn falsification to authoriti s.
Date:
Zakorchemny, Jr.
- 5 -
. .
EXHIBIT A
ORIGINAL
NOTE
\lI,lilt I"
LOAN " 0375752
Ob5-0fDG303(o
SEPTEMBER 14, 1999
HARRISBURG,
(City)
PENNSYLVANIA
[State}
817 MEADOW LANE, CAMP HILL, PA 17011
[Property Address]
I. BORROWER'S PROMISE TO PAY
In return for a loan lhat I have received, I promise to pay U.S.
'principal"), plus interest, 10 the order of the Lender. The Lender is
$152,000.00 (this amount is called
CRUSADER SAVINGS BANK, FSB.
Illnderstand that the Lender may transfer this Note. The Lenderor anyone who takes this Note by transfer and who is entitled (0 receive
payments under this Note is called the "Note Holder."
2. INTEREST
Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate
or 10.250\.
The interest rate required by this Section 2 is the rale I wiII pay both before and after any default described in Section 6(B) of
this Note
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal ,lIId interest by making payments every month.
J will make my monthly payments on (he 1ST day of each month beginning on NOVEMBER 1, 1999.
I will make these paymenls every month until I have paid all of the principal and interest and any other charges described below that
Illlay owe under this Note. My monthly payments will be applied to interest before principal. If, on
OCTOBER I, 2029, I still owe amounts under this Note, I will pay those amounts in full on that date, which
is called the "Maturity D,lte"
I willlllake my moulhly payments at
1230 WALNUT STREET
PHILADELPHIA, PA 19107
or at a differenl place if required by the Note Holder.
(8) Amount or MUllthly Payments
My monthly paymelll will be in Ihe amount of U.S.
$1,362.07.
-I. 801l1l0WER'S RIGHT TO PIIEPA Y
I have the right to llIake payments of principal at any time before they are due. A payment of principal only is known as a
"prepaYlllent." When Illlake a prepayment, J will tell the Note Holder in writing that I am doing so.
I may make a full prepayment or partial prepayments without paying any prepayment charge. The Note Holder will use all of
Ill)" prepayments to reduct: the amoulltofprincipal that J owe under this Note. In make a partial prepayment, there will be no changes
in the due date or in the illllount of my monthly payment unless the Note Holder agrees in writing to those changes.
5. LOAN CHARGES
If a law, which applies [0 this loall and which sets maximum loan charges, is finally interpreted so that the interest or other loan
charges collected or to be o..:olJected in connection wilh this loan exceed the permitted limits, then: (i) any such loan charge shall be
reduced l>y the amount necessary to reduce the charge to the permitted limit; and (ii) any sums already collected from me which
exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe
under lids Noteorby makil1ga direct payment 10 me. Ifa refund reduces principal, the reduction willbelreatedasapartial prepayment.
6. 8011ROWER'S FAILURE TO PAY AS R[QlJIRED
(A) Late Charge fM Overdue Pa)'IDCllts
If[he Note Holder lias IIOt received the full amouut of any monthly payment by (he end of 15 calendar days
after the dale it is due, I will pay a late charge to the Note Holder. The amount of the charge will be 5.000% of my overdue
paYlllcl1t of principal alld interest. I will pay this lale charge promptly but only once on each late payment.
(0) Default
If I do not pay the full amount of each monlhl)' payment all the date it is due, I will be in default.
(C) Notice of Defallll
If I aliI ill default, till,: l\,lote Holder may scnd me a written llolice lelling mc that if I do 1I0t pay the ovcrdue amount by a ccrLail1
datc, the Note Holder may require me to pay immediatcly the filII amount of principal which has not been paid and all the interest
[hal I owe olllhal alllOWIl That dalc 1Illlst be atteasl30 days after lhe date on which the notice is delivered or mailed to me.
(n) No Wai\'Cl" by Nute Hulde!"
Even if, al a tinlC wll!;1l t all] ill (kfauH, the Nute Iloldcr docs llot require me Lo pay immediately ill f1l11 as described alJovc, lhe
Nole HollIer will still ha\'o..: the righttu do so if I all! ill default al a later time
i\I1ILTISTATE FIXE!) HATE NOTE - Sillgl~ Family - I'NM.VFIILi\1C lINtFOR1\lINSTlHJJ\-lENT
",...",32UU 12/83 Amclldcd 5"~1 PlIgc 1 or 2
21/
Initia1sl . ~.."'-'/i-.
J>1400 OT 707
LOAll " 0375152
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid
back by me for all of its costs and expenses in enforcing this Note to the ext'ent not prohibited by applicable law. Those expenses include,
for example, reasonable attorneys' fees.
7. GIVING OF NOTICES
Unless applicable law requires a different method, any nolice that must be given to me under this Note will be given by delivering
it or by mailing it by first class mail to me at the Property Address above or at a different address if 1 give the Note Holder a nolice
of my different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first class mail to the Note Holder
at the address stated in Section 3(A) above or at a different address if I am given a notice ofiliat different address.
8. OBLIGATIONS OF PERSONS UNDER THIS NOTE
If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this
Note, including the promise to pay the full amount owed. Anypersonwhois aguarantor, surety OJ endorserofthisNote is also obligated
to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this
Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against
each person individually or against aU of uS together. This means that anyone of us may be required to pay all ofthe amounts owed
under this Note.
9. WAIVERS
I and any other person who has obligations under this Notewaivethe rights of presentment and notjce of dishonor. "Presentment"
means the right to require the Note Holder to demand payment of amounts due. "Notice of dishonor ' means the right to require the
Note Holder to give nmice to other persons that amounts due have not been paid.
10. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions. In addition to the protections given to the Note
Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"). dated the same date as this Note,
protects the Note Holder from possible losses which might result in do not keep the promises which I make in this Note. That Security
Instrument describes how and under what conditions I may be required to make immediate payment in full of aU amounts I owe under
this Note. Some of those conditions are described as follows:
Transfer of the Property or a Beneficial Interest in Borrower. IraII or any part oftbe Property or any interest in it is
sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a nalUral person) without
Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this
Security Instrument However, this option shall not be exercised by Lender if exercise is prohibited by federallaw as of the
date of this Security Instrument.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of
not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured by
this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any
remedies permitted by this Security Instrument without further notice or demand on Borrower.
WITNESS THE HAND(S) AND SEALeS) OF THE UNDERSIGNED.
.A<~,,~
AHMAD MOHHABD
~~
./~~' .
//
'i~ I rCl ': jj~='H:;:til (.'r
MULTJSTATE FIXED RATE l"iOTE - Sin81e Family - FNMAlfHLMC UNIFORM INSTRUMENT
Fotm3100 1218] Amendt4.Si91 Page 1 ofl
PI400NOT
, .
EXHIBIT B
'3 'f \., ~'
('".t, ,-
'~ '
:oJl.en recorded IlIa!l tOI
CRUSAD~~ SAVINGS BANK, FSD
1230 WALNUT STREET
PhILADELPHIA, PA 19107
f!'"
" \:~~,Ol
l/,l'lL\':f:!
't.,)
O..j
..J;;
'99 Sf? 17
:.Ii
,
J.I
Pf7 2 29
LOAN '1 0375752
Parcel Number: 09-18-1310-009
ISpace Above Thb Line For Recordin& nata)
MORTGAGE
THIS MORTGAGE ("Security Instrument") is given on SEPTEMBER 14, 1999.
AHMAD MOHMAND AND JAVID NORMAND, IN JOINT TENANCY
The mortgagor is
("Borrower").
This Securily Instrument is given to CRUSADER SAVINGS BANK, FSB
which is organized and
existing under the laws of THE UNITED STATES OF AMERICA
and whose address is 1230 WALNUT STREET, PHILADELPHIA, PA 19107
("Lender")
Borrower owes Lender the principal sum of ONE HUNDRED FIFTY TWO THOUSAND AND NO/lOO.............."
****.**..**.****....**..fr...**.........**.*...........*..*****..****.....w...... Dollars
(U.S. $152,000.00 ). This debt is evidenced by Borrower's note dated the same datc as this Security InstrumentC'Note"),
which provides for montWy payments, with lhefull debt, if not paid earlier, due Bndpayable on OCTOBER 1, 2029.
This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all renewals,
extensions and modincalions of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect
the security of this Security InstOlment; and (c) the performance of Borrower's covenants and agreements under this Security
Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described
property located in CUMBERLAND County, Pennsylvania:
SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF.
AP *, 09-18-1310-009
which has the address of 817 MEADOW LANE, ,CAMP HILL
Pellllsylvania
17011
I/ipCodeJ
("Property Address");
IStreet.Cilyj,
I'ENNSYLVANIA_ Singl" Family -FNMAlFIILMC UNIFOltM INSTRUMENT
Fonn 3039 9/90 Aml!lld~'" S/91 Page 1 of 6
Initialsl
q
-v-'
/
PALDEED
PAl ED
,OJ
Ii,,,,, i ,",'i;1 PleE ~ 94
LOAN #t 0375752
TOGETHER WITH all the improvements now or hereafter erected on the property, and aU easements, appurtenances, and
fixtures now or hereafter a part oCthe property. AIl replacements and additions shall also be covered by this Security Instrument. All
of the foregoing is referred to in this Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and, has the right to mortgage, grant
and convey the Property alld that the Property is unencumbered, except for encumbrances of record, Borrowerwarrants and will defend
gellcrally the title to the PlOperty against all claims and demands, subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited
variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS, Borrower and Lender covenant and agree as follows:
t. Payment of Prilll'il'"l and Interest; Prepayment and Late Charges, Borrower shall promptly pay when due Ihe principal
of aud interest on the debt t\'idenced by the Note and any prepayment and late charges due under the Note.
1, "'ulIds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay 10 Lender
on the dilY monthly paYllll.:llts are due under the Note, until the Note is paid in fulJ, a sum ("Funds") for: (a) yearly taxes and
assessments which may a!lain priority over this S~urjty Instrument as a lien on the Property; (b) yearly leasehold payments or ground
reuts ou the Property, ifall.\'; (c) yearly hazard or property insurance premiums; (d) yearly flood insurance premiums, ifany; (e) yearly
IllOrlgage insurance prelllllllns, if au)'; and (I) any sums payable by Borrower to Lender, in accordance with the provisions of paragraph
8, j n lieu of the paymenl ut llJOrtgagc insurance premiums. These items are called' 'Escrow Items." Lender may, al any time, collect
alld hold Funds in an UUlllllnt nol to exceed the maximum amount a lender for a federally related mortgage loan may require for
Borrower's escrow account under Ihefederal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C.
Section 260 I et seq. ("RESPA' '), unless another law that applies to the Funds sets a lesser amount. Uso, Lender may, at any lime,
collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds due on the basis of
cunent dala and reasonable estimates of expenditures of future Escrow Items or otherwise in accordance with applicable law.
The Funds shall be held in an institution whose deposits are insured by a federal agency, instrumentality, or entity (including
Lcnder, if Lender is such an institution) or in any Federal Home Loan Bank. Lender shall apply the Funds to pay the Escrow Items.
Lender may !lot charge Blll'J'Ower for holding and applying the Funds, annually anuIyzingthe escrow account, orvcrifying the Escrow
Items, unless Lender pays Uorrower interest on the Funds and applicable law permits Lender to make such a charge. However, Lender
nlay require Borrower 10 IJ<lY a one-time charge for an independent real estate tax reporting service used by Lender in connection with
this 10fUl, unlessapplicabk law provides otherwise. Unless an agreemenl is mudeor applicable law requires interest to be paid, Lender
slwllnot be required to jl<tr Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing, however,
that interest shall be paid .Ill the Funds. Lender shall give to Borrower, without charge, an annual accounting of tile Funds, showing
credits and debits to the hlllds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional
security for all sums secllled by this Security Instrument.
If the Funds held by I ,ender exceed the amounls permitted to be held by applicable law, Lender shall account to Borrower for
,lie excess Funds in accOI,lance with the requirements of applicable law. If the amount of the Funds held by Lender at any time is
not sufficient to pay the jts..:row Items when due, Lender may so notify Borrower in writing, and, in such case Borrower shall pay
10 Lender the amountncc<.;ssary to make up the deficiency. Borrower shall make up the deficiency in no more than twelve monthly
paymcnts, at Lender's sole discretion.
llpoH payment in full ufalI SUIUS secured by this S~urity Instrument, Lender shalt promptly refund to Borrower any Funds held
by Lemke. If, under par.JgJilph 21, Lender shall acquire or sell the Property, Lender, prior 10 the acquisition or sale of the Property,
shatl apply any Funds hel,1 by Lender at the time of acquisition or sale asacreditagainst tbesums secured bytbis Security tnstrument
3. Application of' Payments. Unless applicable taw provides otherwise, all payments received by Lender under paragraphs I
and 2 shall be applied: HISI, 10 any prepayment charges due under the Note; second, to amounts payable under paragraph 2; third,
10 iuterest due; fourth, to principal due; and last, to any late charges due under the Note.
... Charges; Liens. l~lllTower shall pay all taxes, assessments, charges, fines and impositions attributable to the Property which
may attain priority over 1 his S~urity Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations
ill the manner provided ill paragraph 2, or if not paid in that manner, Borrower shall pay them on time directly to the perSOll owed
paYlllellt. Borrower shall plOlI1ptly furnish to Lender all nmicesofamounts to be paid under this paragraph. If Borrower makes these
payments directly, Borru\\cr shall promptly furnish 10 Lender receipts evidencing the payments.
Uorrower shall prollljJJ I)' discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrecsll1 writing
[0 (hc payment of the ohlig.ltioll secured by the lien in a manner acceptable 10 Lender; (b) conlests in good faith the lieu by, or defends
agaillst cuforccment of 1111.: lien in, legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien;
or (c) SCCIIlCS from the hotder oflhe lien an agreement satisfactory to Lender subordinating the lien to lhis Security Instnuncnt. If
Lelllkr determines that allY part of the Property is subjcctto a lien which may allain priority over this S~urity Instrument, Lender
lllay give Borrower a noti.:,' identifying the lien. Borrower shall salisfythe lien ortakeoneormoreoftheactions set forth above within
10 days of the giving of Ilutjce.
I'ENNS\'!.\'ANIA_ Sin!:l~ Fall,lI,' .}o'N1\-lA/liIlI.MC UNIFOR1\IINSl"RUMENT
'iUl'lllJUJ99190 AllIc"dcoJ 5191 Page 2 of6
Initials: '"Z-~-q'
,,!\i,DEED
BorJd571PAG( '" !.l5
::Ill ,];.J'o'd 1-L.~1 kllllVtl
([::l,HrIVd .r-c
h~"""""'.2. ISTe!l!UI
~.
:>~R~110W UII?lU!l!W 01 p:ll!nb;'ll swmw:>ld :>111 Acd IIBlJs l:lMOl1Og 'P:lll!P.Jqo SI PUI! ~lqeHeAl? S;)UlnJ:lq UWfll! l:lpll:q Aq p:lAOldlh!
l;;!JOSU! Ul? Aq P;'lP!AOld (s:ll!nb:lJ J;'IPU:l11l?1I1 PO!JOO':l111 JO) pUR lUnOllll? :lq1n!) O~I?J:MO:J :lJIll?JI1SlI! :l'flP.l'lUOllJ.r1 'J:lPU:l'lJO uonelo ~1[1
II? 'p;}J!ob;}J :lq J;;!8uOI OU ARlU S1U;}WARd :M.l:lS:lJ 5501 ':lJuemsu! :lge'flJ.low)O O;}!1 lil :lAJOS:lJ SSO[ P. SI? SlIl:llll,ll'd ;}S:l111 U!l?1;)J plle ~Sll
'ld:lJJR II!M l:lptI:lj 'l:x'ljJ:l lIr ~ 01 p:lSl?:lJ JO P:lsdel :l5P.J:lAOJ :lJUI?JOSU! :It!1 U:llJM J;}."OI,log Aq pp:!d f1ul;}q umnlT:> lei :lJup.JnSUI :l'ihl;!UOI II
Afll?:lA :llfJ JO lJIJ[:lMI-:lUO Olll?nb:l WIlS e lflUOlU lJ:)l?:l J:lPU:l1 01 Al?d [Jl?l{s J:lMOJJDg ':lJqRpCAe 1011 SI :lSl?J:li\(l:) ::IJUP.JOSUI ;}jjEii]Jour
JtI;'IltMmb:l AIIR!1uelsqns JI 'J:lpu~lJ Aq p:lAOJddl! l:)JI1SU! :lgl!~hJOLU :>jl?UJ:lIll? tll? U10.l] 'IJ:lB:l U! AISnO!A:lJd :nUp.JI1SUI :l~MilJolll ~111
]0 J:lM01JOg 011S0:) :llJJ Ollt1:lleA!nb:l AIIl?IIUelsqns ISo:) e le 'JJ:lJJ:l U! AISnO!A:lJd :l:)lICJIlSIII :l5e'fluoUl :llll 01 JIl:l[El\mb:l AIIP.lIUelsQlls
;l'fle1:lAOJ U!elqo 01 p;lJ!nb:lJ SWn!LU:l1d :lql Aed Ileqs J:lII\OJJ08 'p:m:l U!:lq 01 S:lSR:lJ JO S;:IsdeI1:lPU::I'l Aq P:lllllb;)l ;l'flP.l:lAO:) :lJllP.lllSIII
:J'flP.'flI101Ll :l111 'uose:H AU'f! JOj 'jI 'P:llJ:l II! ;}:)lUunSU! ;}'fle'fljJOIlI ;}111 H!l?lll!tnll OJ p;mnb::1I SHI1l!1II0JeI :JIll ,(ed 1l1!IIS 1:"\.\\OJI08 'jl1:"\I1IIU1SlI[
,(llJnJ:lS SlI!I Aq p:lJn:'l:lS URO! :llJt SU!:l(l?U1]O UOII!PUOJ P. S'f! :lJm~mSU! ;)5eSuoUl pJ.qllb:lJ l:lpU:;q Jt ';)JIlr..lmU[ :l~r.:tJ.l(JW '8
'IU:lUlARd SU!1s:lnb::u J:lMOJl08 01 J:lPU;}"l mOJ] :l:'l!lOU Uodll 'lS:l1:JlU! IIJ!o\\ ':lIQp,,(p.d oq IIIl1IS pUR :l1e1 :lJr'N :l4J IE IU:lIll:JSlIlqSI[1
]0 ;}Jep :llJ1 WOlj 1S:l1:l1U! le:lq neqs StUIIOUle :lS:lql 'luaWAed JO SlUJ:l) J:ll{lO 01 a:lJ~1? J:lPU:ll pUI? J:JMOJJ(lfl SS:lIUO ')U;lUlIU1SlI[
Atpn:J<>S 51111 ,{q p:lJl1:Jas J:lMOJJ08jO lqap leuo!1!ppe aWOJ:lq lIel{S L lldl?JSeJed S!III l:lpUn J;;!PU:ll ,(q p:lSJIll]S!P slUnouIB AlIV
'os op 0) :lAeq IOU S:lOp J:lPU:ll 'L qdeJ8eJed SI1{1 J:Jpun UO!l:lU :l:l(l?1 ,{ew J:lPU:l'I IISnOllllV 'sJ!ed::lJ ;:I'WIll 01 ,{U;}dOJd :lIl1Ufl
'flUP:llU:l pue S:l:lJ ,s,{:lUJOne :llql?uose:lJ SU!Aed 'uno:)U! Supe:lddp. 'lu:>wIIJJSUI ,(WIlJ:lS SlIO J;lAO ,(lpopd SB![ '1:'l!II'\\ 1I:l1l e Aq P;)J1l:);:IS
stuns ,(lIR SmAed :lpnpu! ,{ew SUO!l:)P. S,J:lpu:r] ',(jJ:ldoJd :lIp U! SJlISp S,J;}PU:l'1 pue ,{lJ:ldOld :l1{1 JO :In!l?A ;:IlJl P:ll0Jd o),(mSS:l:);)l1 Sl
J:lA:lle1lo\\ 10j Aed pue op ARIU J:lPU:l1 u:nll '(suo!leluS:lJ 10 so\\CI ;l:)JOJU;:l 01.10 ;lJlll!:ljl0J 10 1I0!1l?lHlI:lpUO:'> 10j '''lllqOJd 'A:)ldl1l'ljllP.C] 1[[
SU!p:l:lJOJd e se lpns) AU:ldoJd :lql U! s)q8p S,1:lPU:l11:):lJJl? A(lueJ!J!U'3!S AllW lI!QJSU!p:lJJOJd 1P.'il~1 II SI :lJ:lI[1 ,J'l 'jU;'IIUIU1SII1 ,\!wmS
S!I[1 U! P:lU!P.llIO:) S1U:lW:l:JJ'3e pUR SlUeU:lAOJ :Jql U1JoJJ:Jd 01 sHeJ J:lM01108JI ',(p:Jdo.ld ;1I11 U! Sltl~!lI S,.I:lPU;"l' I JO UO!PJ1o.ld 'L
';111!l!j.\\ II! 1:l5J:lUl ;l111 01 s;};:l18e J:lPU:ll sS:l!un a'flJ:JUI JOlIlIl?ltS dill) :l:lJ aliI Pili! PIOlI;)Sl?:l! :1111 ',{U::>dOld :"\1[1 01 :l1II! ;)',)j S:lJ!l1h:w
J;:IA\OJJogJI'aSR:lI;:ll{ljOSlIO!S!AOJdaqlnel{l!M,{ldUlOJ Ileqs 1:lA\Ol.108 'PIOII:lSP.:l! RUOS11U:lUlIUISl1l ,(I!Jn:);)SS!IIIJI ':l:)U;}P!S;}J [1!(kl1l1.1d
E Sl? AU:ldOld :JIll JO kJuednJ:)O S,J:lMOlJOg SU!IIJ:lJUO:) SUO!lRJu;}s::lJd;)J '01 ~l!U1!1JOU lOq 'Su!pnpu! ':lION ~11I ,{q P:lJU;)P!A;:I UllOl
aql ql!A\ 1I0!1:>:luuo:J II! (uo!lewJojU! lep:llem Aue lJ1!1I\ l:Jpu:Jl :lP!AOld 01 p;lJlEJ JO) JJplI;l1 01 SJU:llllJIP.1S JO 1I0lWlllJOJUI :llemJJl?1I1 JO
::ISIR] ,(lIe~J:lltl'rn aAR~ 'sS:l:JOJd uO!1e:)!ldde ueDI ;llll ~upnp 'J:lMOJ1081! l(neJJp U!:lq oSle 1IB1ls J~,\\OlJ08 'IS;lJ~lU1 ,(j!JnJ:JS s,J:)PIP'1
.10 1U:lWltJ)SUI ,(ll1n:J:lS S!t!J,(q p:lJeJ1:) U;)!! :llJ1Jo lu:Jw1!edw! le!1:l1ern J;l1{10 JO AU:JdOJd :JIll U1IS:lJ:ljU! S,J:''l.\\lJlJ08 :llJJjo :ll1l1l:lJIOJ
s::IpnpJJd '1I0!JeU!U1J:JI:JP 1{1!R] poo~ S,J:lpU:l'1U1 'IBlI1SU!l1U U qllA\ P;)SS!ltIS!p:lq o18u!p:):JJOJd 10 UOIIJe :Jtll ~U!S"!Il?:) ,{q '8 I qdRl'fleJI~d tll
p::lplAOJd SR '::I)elSII!::IJ pUR JfneJ::Ipt! Ipns:u[JJ ARUI J:lMOnog 'lSOJ:lIU! ,(j!JII:):lS S,J:lPU:l'I 10 111:lWn.lISul hlptlJJS S!t!J Aq p::lJE::IJ:J U:)![ :JIll
l!"edw! AIIUp::IleW ;)SIA-U:lqlo 10 AuadoJd :lq1JO :lJnHJJ10J "! 1111S:l1 p[nm 1u:Jw~pnf 111m] pooS S,l:lPll::l'l U! 1P.I{IUll;1'::lC) S! 'ItlU!lUPJ JO [1.-\1.1
.101[1::11111\ '~U1p:l;}JOJd 10 nOJl::>E! OJnl!::IjJOJ AUP.J! I{nejJp 1I,:>q IIP.IIS J:l,\\OJJog ',{lJ:ldOJd ::1111110 ::IISl?M Ht\lltlOJ JO ':"\IP.JOP:lIJP 01 ,(1J;loOld
:lljl A\olle 'Al1::1dOJd ::ItIl1!edw! 10 :l:ir.wep ',(Ollsap lOU IIEqs 1:lMOJJOg 'loJlum S,J:),\\OJ108 puo,{:lq :lJP. IplqA\ IS!X::I S::IJllelSIUIlJllJ
i1'unenu:)lx:) sS:llun JO 'PI:JQ1l1!A\ ,(lqeuose::llUn:lq 10uIIEqs lU:lSUOJ IP!IIM '8u!1I1A\ II! s:m:J'E :lS!AU:lI[IO lJpll:"\'l S"S:Jlun ',{JlIp.<!nJJo Jfl
::Ilep :l1{1 J:)1Jll Je:lA ::IUO Ise:llle 101 ;):JU:lP!s:JJ IRdpupd S,J:lMOJ1Og se ,(11:xf01d :llll ,(onJJO 01 ;}nullUOJ IIl?\ls Pill! lU:ll\llUlSlIl ,(lunJ;:lS
S!qljo t10n"J:)X:l :llJ) J:l\JE SARp AtX!S U!lInM a:)u:lp!s;JJ IRdpupd S,J;)II\OJ108 SP. A1J:xfOJd :nn ::Isn plTl:! 'qSIJQelS:l ',(dIlJJO lIP.lJs l:l'\\O.l!Of]
'sPloq:Jst!;J'] ~Uo!lIl'J!lddV U80'] S,.I3A\O.l.log ~AI.I;JdOJd 3tH)0 UO!)J:l)O.ld pUB 3JUP.U;JIU!P.W 'UO!JIM,I:lSa.ld 'AJUtlllnJJO '9
'uo!l!s!I1ocm:JlJ1 01 JOpdAJ:llP.!P:lunJJ! )U::IwnJlSUI ,{nm:J:lS S!lJ1,(q p:unY.lS swns:Jtpjo JU;}lX:l:lITl 01 J:JpU'JI01 ssoo HEllS UOIlIS!I1bJp.:J1Jl OJ JO!.Id
,{I1:JdoJd :llll 01 :l';1t!lUeprnOJ] SU!tlns:JJ sp::r"XlJd pue S:J!:J!fod :lJut!Jnsu! ,(U1:!01111Sp S,l:JA\OJJOg 'J:lpu:J1,(q p;:lJ~nb:>E S! ,(jJ:ldOld ::Ilj) [Z
I{deJ'flt!Jed J:lpunJI 'Stu:lw,{Ed :lQ1JO lunowe :Jq) :l:iUEI{:) 10 t pUR T SlJdel~eJp.d II! 01 p:lJJ:lj;}J Slu:lUl,(ed ,([IJlUOW ;l111]0 :J1P.p oup :)1[1
:luodJSod JO PU;)lxJ )OU IIe1ls (Ed!Jupd 01 Sp:l:lJOJdJo lIone:)!IddE Aue ':iU!lpM II! a:JJ';1E :lS!MJ:lIIIO J;}MOJJ08 PUE J::lpU:lj sS;'IluO
'U:lA!S S! a:>l1011 aliI II:JIIA\ I,!S:lq mA\ pO!1;)d ,(EP-OC ~11.l:lnp 11:>1111011 1(1
J;}lllal{M 'lu::lUHU1SUI AJun:>:lS S!I{) Aq p:lm:>:lS sums ,(ed OJ 10 AU:xfOJd 01{1 :>JOJS~l JO Jll!d:lJ 01 sp;,'l;,'l:)oJd :lll1 :lSU ,(em J:lpnOj -Sp:l;l:)oJd
;;!JUEmsu, ml11:>:lllo:) ,(ew Japu:J1 u:Jl{t 'w~ep e :lJ11:lS 01 p:lJ:JJJo suit l:l!lJU:) OJUlUnSIII ;l11l1e1Ill:lpU;l'1 IDOJj ::'IJ11011 e s,{ep m: tllIl!1M
l:JII\SUe 10U S;}OP 10 '41:ldoJd ::11(1 Suopul?qe J;)MOllOBJI 'J;'lMOJ1Og 01 Pled SS:lJX:l,{lm ImM ':Jnp u:nlllou 10 J:JQPl(A\ 'lu:JWIIl!SlIl ,{JPnJ:lS
Slip Aq p:llllJ:lS stuns ;)111 01 POHddE:Jq Ileqs sp:lJ:>OJd :lJuemsu! ;}ql 'p:lIl:>SS;lI::lq Pilla," ,(1!Jn:);}S S,J:lPU:l'l 10 :'JlqISP.::lj ,([IEJIUIOIlOJ:;I
lOll S! l!Ed:ll JO u0!1eJ01S:lJ :JlJIJI 'P:lU:lSS;l110U S! ,(1!JII:):JS S,l:lpU:n pue Ojq!se:lJ Alle:l!tllOllo:):l S! lied;:)) JO UO!II~JOIS;}J :llJl]! 'p:l~r:rllll!p
AuodOJd :lIIJ]O J!ed:lllOUopeJ01S:J1 a) p:lHdde:lq neqsSp:l;}JOJd :lJuemsu! ':iU!JIlM "! :nJ~nOS!Ic\l;)1110 JJMOJJOg pue JOpU:lj SSJIIII1
'J:lA\OJJog ,(q ,(ndUlOJd ~petu 10U JI 5so1 JO JOOJd :l){P.1Il .{r.1H
J:lpu:n .mpu:lj pUB J:lpJBJ aJuemsu! :llJl 01 :l:Jnou IdwOJd :lA!:i nt!qs l:lMOJJOg 'ssol JO IU:lA;'I ;llll III 'S:l:)!lOlljP.M:lU:ll pile SlIllll1U;lH'1
piEd]o sld!:JJaJ liE J:lPU01 01 :lA!S ,(ndLUOJd IImls J;}MOll08 's;)1!nba1 1apu:ll JI 'SltlA\;;)U01 pllR S:lP!lod :llll PlolJ 01 lq~p ;'1111 ::l.u~1I
UelJS J:lPtl:Jl ':lsneIJ ;)jje:iuoUl pJEpueJS e :lpnpm HelJs pue J:lPU:l1 OJ :l!qEld:lJ:'>B oC) Ilel{s sleM:JII;)J pue s;}p1[od aJuemsUI llV
'L qdeJ:iu1Rd lJ1!M a:)Uv.p1OJJe Il! ,(lJ:ldo.rd ::1111 U! Sll[Sp S,J:lPU;}"llJ:J)OJO 01
:>SRJ:lAO:) u!elqo 'lIondo S,J:lpU:l11e 'Aew J:lpU:lj ':lAoqe p:>qpJsap :lSUJ:lAOJ U!elU!etu 01 SI!Ej J:l!.\OJJ08JI 'PPlIll1!M AlqeIlOSp.:l-HIll::'lC]
IOU [leqs q:J!lJM leA01dde S,J:lPU:l1 Oll:):lfqns J:lMOJJOg Aq U:lsolJJ:lq 1ll!l{s :l:)uemslI! JI[1 5u!P1AOld J:l!lleJ ;l:)uemSU! :lIU 'sJJ!lllm
l:lPU:l11ell1 spopad :ll{llOJ pue S}lInOWR :lQl U! p:lU!elU!eW :lQ neqs ::IJuemsu! S!'Il. ';JJuemsu! s;lJ!nb;)J J::IP1Pl1P!IIM 10] 'Smpoou
JO spool] 'flu!pnpu! 'spmzell J:lqlo Aue pUll ,,:)'3P.J:)AOJ P:lPU:lIX;"J" UlJ;"J} :l111 UlIJl"'\ p:>pnpu! splRzeq 'Ol!) ,{q ssollstlIl!'i1r. P:<JI1<,tlI
,(l1:ldOJd :llll uo p:l1:J:lJ:l J:lW:l1:l11 JO :iU!1S!X:l MOU SIU:llU:lA01dUl! :lln d:l:)){ I1mls 1a,\\011Og ':uUP..lTIsuI A).l:Jdo.ld .10 pJnir.H 'S
Z~L~L(O I' no'!
9 JO r <Jlh:ld 1(,1<,; ",'p"~".,, 06/6 6rur ""'''..1
.I.NiIl'lIllt.LSNII\lUO,"'NIl,-)J.\I'IIl.~I\"I\I~,'I- '\1'''''',1 ~ljjUlS' -VINVA'IAS'NN~'I,1
LoG . 1~1, USP008
U330'1Vd /-;:'
~~'r~ :sTeT~TuI
lu~wrulsuI Alpn::lOS S'!l!1AQ p:'Un:J::lS" sums IIP.)O 11111 ll! IU::llUAr.d ::Jlp.lp:mlUl! ;)lll1b;ll '\lDlldo 51! lC 'Aem 1"'Pll;"l1 'lll:;lSUO::l U:Jl1[J,\\ lOud
s,lopu::J1 }nOljl!,U (uosl:xllCJnlIH1 e IOU S1 1:).',:\01108 pue P:lJl:lJSUlHjJO PIDS' SIJ:;I,W)JJog 1I! jS..l:l111J IIW'l~FiIl;:lC[ e)1 10) P;)J1;)JS1Wf] JO
PIGS 51 11 U1jS':Jl::JJU! hue 10 ,(uadOld ::14110 ued ,(m~ 10 HeJI '.I;)AlO.1.I0a U! lS;U;llllI II!PU;)U;)O n .10 ,(P;UIO.l,1 :J1HJo .I;)JSU1l'.1J. 'L I
'ju:nurujSUI AI!Jn:l:lS sPllJo pUP. :lION ;)11110 Adm p:mJJoJuo:J :;IU~ 1l:'li\lft:lq IImls J:lA\OJJ08 '.(II":J S,J;J.\\O.l.I(IH "'1
';)!qel:lA:lS' oq 01 p:uep::Jp :)Jl~ d}ON dill pue lU;)U1tUjS'UI AIPW):lS S!llI)O SIIOISIAmd :1l[1 pUJ SIIII 0.1 .uOIslAmd '311I):11[1110:)
al111nOl]llM IJ;)JJ::l U;)A!:i aq ueJ lI:'lIqM aloN dtlllO lUawtUlSuI AIUll:J;)S 5'!11110 SIIOlSJADld Plllo P;)JJI! jl\lIUl?qs j:J!UlIOJ IPI1<; 'AU![
::llqtDlJddp. ql!M Sl::J!UuO:) ~loN :;lln 10 lUJwnJlsUIAlpmJS S!ll1Jo'JsnEp lOuols~hOJd.{IlEteqJ JlI::!A'J'JIIlIlI .P;>II!::Jol SI AU:ldOJd dill \[:1IIIA\
1I1110!PlpS!JnfJIIlJO toUll :1111 PUE MCIICJ:lP;')J Aq P;')UJ:MoS:lq IIC4S 111:lWIU1SUI AJUI1:):lS SUI.L 'AI!I!Qtl.I<M.:JS !,\\Po'13u!U.la.\o3 .S t
'4dl?lSEJcd S!III U! p'JP!AOJd St? U;')A!:J' u;')IIA\ J'jpll:l'l JO JOMOJJ08 OJ u;'!,'\!S U:l:lq :lAIn[ 01 p:mlj:}p
'Jq IIEt[S IU:lmrtJlsuI Al!Jn.J:lS SPI1 U! JOJ p:lplAOJd :l:J!lOU AUY 'J:lMOJJOg OJ :l.J!lOII Aq S:lJeH~h~dp JJPUJl S~:1lppE J'JIIlO AilE JO unl;!ll
pJ1R1S SSJlppe S.JdPU:ll 011!UllJ ssep 1SJU Aq UJA!8 dQ IIUtIS JdPUJl 01 J:)!I0U AUY 'Jdpll~'I1 OJ J:JllolI f.q S:;l]l'US1S:lp JJA\OJJOH SS;,!lppt:
J:l410f.uB JOSSdJPPY f.11~01d dql 01 p:ll::1:l1!P dq nt:lfs :lJ!lou :llfl. 'POIll:lllJ J:llIlOUR)O Jsn s:Jl!nb:H A\CI :llqC:JI!(ldc sS:l[un I!Em ssc[::l lS11l
.{q 11 SU!lu:m f.q JO JI :J'Up:lA!I:lp f.q U:lA!S :KIIIRlls 1U:lUlrtJlsuI A1!Jn::J:lS SI111 U! 10} pJplAOJd laA\OJJog 01 ',):)1]011 AUY 's.)J!loN .tl
'JION :lql l:lpUn :lSlEq:J 1UJWARd:lld Aue 1n041!M lUOWACdold [t!!)Jt!d I? SP. p:lJll:l1l :lq 111,\\ uO!l:Hlfl;:U 'jlll 'IRdl::Juud Sj:JllP:lJ
pUrlJ:l11?}I 'l:lMOJJOg 011udwAed 1::J:ll!P c SUPlRW Aq 10 ',)lON :lIU l:lpUn p:lMO It?d!JU~Jd 0111 ~mjnp:H Aq flllllJ;.'I1 S~t!l 0:lft!1lI 01 ;><;OOl[J
,{etu l:lPU:q 'J:lMOJJOg oJ p:lpul1J:lJ Oq!llM SHW!! p~1l!ulJ:ld pJP;);):JX:l IP!qM l:lMOlJOg mOl} P:Jt:J:lIlO:l APP.:lJII: SUIIlS AUR (q) pilI? 'lHII!!
p:l1l!1II1:ld :lql OJ J:J'leq:J :llll :l:mpal 01 A.rRSS:l:l:lU )UnolUR :lqlAq p:l:lnp:ll aq 1It?lIS o3wIP1woI Ipns AliI: (I:) .'I::lljJ 'SHill!! p:JlllUlJ:Jd :;1111
P:;l:::!:)X:l ncol dtp ql!M UOIj:):::lUUO:) U! PdPJlIO:):lq 01 10 POI:):ll!O:) S:l:J'letp ueol J:ltIlO 10 lS:::lJ:::lIUl ~H[1 jEI(I OS p~PJdJdl1JlAnl?\l!J 51.\\1'( WI[1
pUI? 'Sa~ll?lp ueol WmU!Xeill SI:lS IP!qM A\el e 01 J:):lfqns S! IU:lilllUISUI ,{IPO::l;)S 5!II1,{q p:lllD:lS UCOI alll.!l 'S;)~.ltHD UPoW1 'n
'lU:lSUO:l S,J:lMOlJOg Jt:llllnOlIJl^\ :'lION :llll JO 111:l1U1U1Sllf ,\I!JI1:J;)S S!ll1jO SlllPl :'1111
OJ plet1::lJ ql!,\\ SUOIlr,PowUlo:)::le AUE' :l:lfl?lU 10 11?:lqlOj ',{j!POW 'pUal":l 01 :lalSe AmUl:l.\\olJ08 1:l1110 ,{tm 1'111: lOpU:)"] Illtl1 S:1:'jJ~W (::J)
pue ~lUdlUrtJISUI Al!JI1:l:lS S!ltl,(q P:lJn:):lS swns :l1l1Aed 01 P:llcg"qo AlIl?UOSJ:ld 1011 S~ (q) ~lUJUHUISUI AI!lI1~:->S SIII1}O Stlll:ll :lllll:"'lpUlI
All:ldOJd Jltl U! 1S:l.ld1U! S,.I:lMOl.lOgIR41 A:lAUO:) pUR luelg ':lSeSj.lOUl 01 AIUO IUJUlI1J1511IAl!JI1:):lS S~IjJ SlI!u~'h~O::J S! (R) ::lJON 'JIll ;"111!1:JX:)
1011 saop lnq IU:lUltlJ1SUI Alun:J:lS snn su~hs-o:J OIIM JJIt\OlJOg AUV'IEJ:lA:;IS pilE lll!of:lq IfRllS SIU:llll:l:lJiil! pIll! S}lIIlU:lAO::J S,P,\\flUOH
'L I Ildp.lihul?d)o SUO!S!AOld :;Iq} 01 J:):lfqos 'l:::lMOlJ08 pllP. J:::lpuJl}O SuS!SSP. pm'! SJOSS:l::l:)IlS :"lIflly:lU:lq plm pUN HellS 11I:l1l1lUIS111
,(1!lR:JdS S!q1}0 SlU:;IW:l:llSe PUI?SJUI!U:;IAO:) :llll. 'uau3!s-03 !,(I!1!Qtln ItfJall<lS pUB JU!Or !punog !i'u:'l!!i'!iV pUl~ SJo!i's:::I:nns 'ZI
',{p:lUlOl 10 llf:1P AUe)O :lSpl:lX:l :lln :lpnp;ud JO)O l:::lAIRM R :::Iq 101ll1cqs Ap:llll:.'ll JO ltliiu AUr. iiUlSI:)l;'lXJ II! l:lpU:l'l ,(q :l::JlleJI'!:"'lqJOJ
AUV' 'lS:lJ:lIUl Ul Slossa::J:lns S,l:lMOllOEllO J:lMOlJOg ll?lIlSpO aljl Aq opeUl plllJtlJ:lp Alm )0 nOSp.:ll Aq 11l;'!11l11JISlII AllJll::J:'IS Sill! Aq
P::UIIX/S SUlIlS :::IIIIJOUO!1UZ!l.lOilll? .\l!POW :::IS!MJ:::IqIO 10 lU:lWAed 10] :::IIU!) PU:lIXOOI :lS'\I;)l 10 lS:::I1JIII! 1I! JOSS:l:):)11S f.m: lSUlRSI? SiiUlp:l;'l:1OJd
:l:)U:::lWUlO:l OJ p:lJ!nb:ll oq lOU nells .I:::Ipu:::Il 'lS:::I1:::lIU! U! SlOSS:::l:J:)ns S,J:lIt\OlJog.lo J:l.\\o.lJog [cmSlJo :l1(1)0 Allpqel! mil :::lSR;)rJl 01:lJP l:"ldo
JOu 1tP.lls l;)MOlJOg)O ISalalU! U! 10SS:l::JJns AUI? 01 lapu:ll Aq p:ll\lelii lU',)UIlUlSII[ AI!JI1:J:lS snl! Aq P:lln::JJ<;; SII111S :lql)O 1I0!11:71110111E
)0 UOnp.::lYipOW 10 JU:lwAed .10) own ~4110 UOISU:::Ilxg '.I:::1I1!II'M e ION Japu:::I,,(g :::IJUtl.IP.dqJO,>[ !past:apu JON JaA.\oJ.lOg 'II
'slu;)wAed ll:)ns)o lunowe d'll :::l~URlj:J 10 Z pue I SI1dC.ljiiClt~d Il! 01 p:lJJ~JdJ slu:::IIlIAed .\PIlIIOUl :l'l1]0 ;)IEP :;}np ~I[I
:lUOdlSod JO PU:lIX:::I 10U Huqs Iudpupd 01 spd:l:Jold)o uO!le:J!ldde Aue <jiiU!lIJM U! :l;}-'~r. dStMJ:llIIO J:lMOl.JOH puc l:lPU:ll SSJIII(J
':::lOP 110'111011 10 J:ltl1:ltIM 'JlI:lHHU1SIII
,CJpOO:lS S!ql Aq P:lJn:)JS SUlOS :l1.[1 01.10 AUJdO.ld :l41)0 llEddl JO 1l0!1ClOIS:ll 01 J~l1la 'uo!ldo SI! Ie 'Sp:l:::l::JOHf :llll Arddu pUP. ]::J:l[lO:1 01
pnpoqlne S! JJpU:lj 'U:JA!S S! :JJ!10U ~q1 :llRp :::llfl la1JB' SAUP Of "!lfl!M l:lPU:ll 01 pllodsJJ OJ sl!e) JO,\\OJ1OEt 'S;)'ilBwep 1O} U1!llpl? a[ll::;s 10
pn:Me tIE ;)){P.U1 01 Sl;)jJO JOU1U;)PUO", :nU1UlU J;)M0110g Oll;)pU;n Aq :l:)!lou J:l1jll ')1 10 'J:lA\O.I.108 Aq p:::lUOpU11qR S! A}J:::ldoJd :llll JI
Jnp U:ltil :l.JP. sums :lIt] lOll .10 ldljPlJM
lU:lturtJlsuI AJ!Jll::J:::IS slql.\q p:lJll:l:lS swns :lql 01 P:lllddB aq IIBlls sp:lJ:loJd JlJl 'sap!t\old :lS!MJ:lIIIO ,UBI :lJQP.:JlIddR ssalun JO 'illlll1J.\\ II!
a:lJgl? :lS!MJ:lqJo J:lPU:ll pue .I:lM0110g ssarun 'SuPlcl :It{1 alO):lq Al:llR!P:JUIlII! p:lln::J:::lS sums :l111]0 11ll1oum ~ql limp SS:J1 S! 'ilU!)jI!l :llll
:J10):::Iq AI:J1R!pJWW! ,{Jl~Old ',)ql}O :::InlCA l:::l:lfJeWl!e} :llll q::l!qM. U! Auado.ld :::IIIIjO 3U1:lfl:IIP.!Jllld P.)O lU:J^;):lI]J III '1:lM01108 01 plp.d Jq
IIRqs J::Jullleq AUV' 'SU!:lfl:l :::llfl :::lJO):lq AI:::I1R!p:lUlUI! ,(u:::IdOJd :::Iql}O antRA l:J:lfltHII lIE) aqJ (q) Aq P:lP!^!P 'SUDfP.1 alll JJO):lq Al:lIE!P:lllllUI
p:lJll::J'JS stuns :lql )0 1unoruR {e10J Jljl (e) :uO!1:)e.l) SUlMOJ[O) :JlJ1 f.q p:ll1d!1lntu SpJo:)oJd :::11(1)0 1UnOlll1' :::lqJ Aq pJ:)np:ll :lq 1ll?IJs
JU:lwnJlsuI Al!Jll:):::lS slqlAq pOJo:JJS swns :lqJ 'SUll!.!M U! :lOJiic :lS!AUJqlo J:lpud'lpl1l? Jg,'t\OlJ08 sS:l]un 'SII!~RI gIll :J10j:lq AlO!E!P;'ll\1UIt
IU;)lUI1J1SIII A1pn:)dS slIIIAq p:llR:J:lS swns aq1)0 JunOWR :lql URIIl J:llC:::I1S.IO ollcnb:::! S! ~uPfm JIll :::I10):l<\ .\[:::lIC!p:llUlU! A\-l;;K(Old :JIll
10 :lnrRA IJ:lf1RW J~C) oqll1:)!qM "! ApOdOld :lqJ]O :J'U!J(RljRTURd R)O lUaA:l ;:1111111 'J:::lA\OlJOg oJ pIEd SS;)::lXJ ,(UI? IIl!M ':::lnp IIJIII 1011 JO
JJq1:lqA\ 'lll:ll1JnJJSUI A1pn::lOS S!ltJ Aq p01O::J:lS swns aql 01 po!rdde :lqIll?lls sp;);)::JOJd :llll 'All:::ldOld :l41}0 ~lIDWIIt:IOl I:}O IIlJAJ :llll II]
'l:lpUJ'l 01 pmd :lq
llP.qs put: p:luii!sse AqJ1:lq :lll? 'uo!1I?UWOpUO::l)O n:l!l U! :::I::JlwkMUO::J 10] 10 ',(jJJdOJd :lqJ}O )led ,{ut!Jo glq~t?llJlf10 JO 1I011P.UIIl:::lPUO:J
Aue tll!M UO!I::J;)UUO::J U! 'IR!IU~nb:lsuO:J .10 1::l:l1!P 's08!!wcp JO} mrep 10 pJI?MI? AUR }O sp:l:l:)O.Id J([1. '1I0!Jp.uW;JflIlO;J 'Ill
, 'uo!1J~SU! :lql 10J aSnRJ :llqEIIOSR:ll gU!,(J'-'dds uO!l::JadslIlul? 01 .loud 10)0 :::1m!! dill I!! :J:)1101l
J:l.\\01l08 :lA!SII!!lrS l:lPUd'l',{)J:ldOld :lql)osuo!p:ldsUI pUE'uodn S:l!llu:):)lqRUOSl?dl J:lfRUlAeUl Ju:)'iJe Sl! 10 J:JPU:l'l'uo!p...drmI .6
'Mcl :)lql?::lllddR 10 J:lpu:l'l pue l:::l,\\O.lJOg U:l:::lM1dQ It1:::ltlt:::lJl~R
U:lllPA\ Aim Ill!M :):l1l!!P10:)::J!! U! spuo O:lIlCJnSU! d5eiiuoIU 10J lU:lIU:ll!nmU :>ql JlI'1ll ':l,vJS:l.l ssol P. JplAOJd 01 10 'l::Jd}J:;I u; ;}::Jup.msu!
ZSLSLEO I' no'!
9 JO t aftnd 1M'; p~lm~..", 06166((11' llne',l
J.N:u-.rrlHJ.SNlnmOIIlNII ::JJ-.r'IIl:IIVI"lNlI .\lltHUd :>tlllllS .VINVt\'USNN:;hl
9G"" ]~iIUSpIlUH
G33QTI"J
~/"'/.::!'.:2. ISIe1"~luI
'- ~/~- ,1 ~
9 JO S a(h~d H,!'i ~;JI'II;}I\IV (}(i16 M:m: "'-'''11
lJ.I:'1HlIllUSNI J'IInO,IINIl :J'\I'J1I.~/"I'IlN.d:- !;1I"'~:1 ~rll"'s -\,INVA"USNN:'1c1
'uoljdUl:lxa pe::J)s:lwoq PUE ':lIes pUl~ AAd! ']lIdUJ!J:.1I!IW \HOJj 1l01ldmox;) ';"lUll I .10
1l0ISU:l\X;) 'UOllnJ:lX:JjOAI:jS JOj ~UlpM.OJd SME[ ;:Il[\lnJ 10 IUJS:lld ,{ut!JO 1!.J:llldq ~1Ii1 S;)ArI~,\\ .{q:)JJ1l pUP. 'jU;)UIllIJSlIl Ajl1I1J;)S S!l]1 d:JJOJlJa
01 S~U~p~;):){ud t\~ sP,)pp.lO JOUd hUE S'dS~pl pUR S::>^1P.^\ 'ME] ::JjqIDl[dde Aq POI1I1ITI:lcljlldlXd din 01 'Jd.\\nTJog 'U:lA!P.M. Tt
SlSO::! 1I0ljepJO:Jd) ,{Up. ,(ed 1l1~11" 1;),\\OJ.lOfI -JOA\OJJOH 01
;)~ml[:J JOOqlIA\ JU;)UltlllSIJI AJUn:J:'lS s!Ill AjSIJeS pilI! ;)~lP.1pS!P 1I1?t{S" J;)pu:;q ':;r:m:um:no Ipl\S l:\lJV 'pIllA al\\\\-:\:'X'j pm! ;)lTI\1l1111:\11lP.lIS
pJ,{;JAIIOJ ;)\P.IS;) ;:I'll PUI! lUaWTU1SUI '{lPn:X1S snll 'lu;)UnUISUI ,{lUlIXIS sllllAq P;)llI::l::lS SIIIIlS IIU}O 1U:}11l,{I~d lIodn 'asl:aPlI 'n
',ur.1 :JIIIP.C1!I(hh: Aq p;}lJ!lIuall Jllal~a alII OJ ;)C1I1;)lI!A:J all~l .to SISU;J
pur. sa;'!J ,s,(:nuollr. 'oJ P;)J!W!110U IRQ ':lu!pnpu! '1'llldl!J:lr..II!d S!III II! pap!,\o.11I S:t!P;}lU;l.I aliI ffU11I!'-'IUI u! pa.lJIIJIl! sasu:ulxa
Ill! p~"OJ OJ pam,ua aq lIl!qS' JallUa'1 'lju!paaJo.ltllllf3!pnf All JualUoJJsllI ,(J!.mJolS S!lI) asopa.loJ Atflll put! pUlllllap Jalll.lII}
)notm"'~ )U;nunJ)SUI Alpn;:)aS5!lI1Aq pa.lnJasswns flcJo II oJ U! '!lamb() a'll!pallllll! ;J.I!nba.l ,(p-m 'uIJ!Jllo SI! II! '.l:lpua'1 'P:l!.I!J;JIls
Sir pa.IRJ '011 S'! nncJap aqJ JI ';unsop;uoJ pUB UO!JU;)I;)JJE OJ .IaA\OJJ09 JO ;)suaJ;)p .Iaq)o AUI! .10 Jlnr.PIl t! .10 a;lll;lJsp.:a-llOu
;}III ~(Iwa;uoJd ;unSop;}.lOj :Jln U! l.I;)ise Ollq~!J- aql {lUft UOnll.lap:n~ nlJ~ ~1V.JS\1!~.I OII'I'3P ;JlnjO .\:'1\\0.1.108 W.I()jU? .1atlJ.III"
IIltqs ,Iapua'} 'A).IadoJd aq, jO ;lleli pue :Ju!paaJo.ld le!J!pnf Aq ;lJnsopa.loJ 'Juamn.I,lilll "lfJnJJS S!IIJ ,(flllaJnJaS /iluns ;JlP JO
UO!,ltJal;UJ1l' U! Jlns;u AelU paupads liB nnll'j<Jp ;)llla.IRJ OJ ;UR!!)!'J '1!111 (p) puB ~1I;1.IOJ ;}111SlIIU UnltP11 J'11 uaq.\l(J) ~WH~j;W ;}In
;).InJ 01 pa.l!nb;u UO!JJIl' :lq, (q) !J1nIl'Jap JqJ (c) :fi'~U!'IJ.I;)IIlO 3uoum lJO .laA\O.lJ09 AJJJOU liP-lis .TJpua'1 '(;)SP,uall1o SJP!,ul.1I1 ,\\I!I
alqeJ!lddr. !is;)lun 1.1 qdll'.Iljtued .Iapun uO!ltl.lalaJJE OJ ,.IOpd 'OU Jllq) ,U;)Wn.TJSlfI "I!Jn:J<tS slTH II! JUa"';)J.I~t: ,10 ,U1:!nw::t ,(Ull
JO fp1!J"lq S',J3A\0.UOg ~ll!,"OIlOJ 1I0!JtrJJ(JJJt: oJ Jopd .laAlo.1.l09 oJ J:J!Jou ;}^!;{ IIr.lls .Iallll;)'1 's3!1);)lUa}l ~1l1l!Jr..lal;)::tJV "Il
:sMolloJ SR ;;l;;ll~R pUR lueU;;lAO::J 10'lQl111J l::lPU::l1 pue ld,llOJJOH SJ.NVN3^(),) ViHOdIN!1-NON
"UOl]:):JIOld lelU::IlUUOlIAU? JO
Al::l~S 'lfllR::Itl OJ .:lIRI:l1 U!lfl p:llll:>01 S! 41Jd01d ::Ilfl ::Il;;lI(A' UO!p!ps!lnf:;nllJO SAUl! PIlBM\EI Il!l?P::l) SUl!::lW ",I\Wllllltl:lUlU01!,\1I3" 'Ul
qdRl~llllld S11(1 u1 p:lsn SV "Ste!l::lleW ::lA!l::JeO!p'Bl pue ';;lpAlI:}pteutlOJ 10 SOlS::JqSR SUllt\R1UO:) SIRp';l\RUl 'S\U:)AIO"; ',)l~WIOh 'S',)p~::Jlql',)ll puc
S::lp!::J!lS::ld ::JpWI 'SI::Jnp01d WnJIOJI::ld J!XOJ 10 ::lfqelUlUeu J::llflO '::lU::lS01:)'! '::lUHOSeli :S::l:JUR)sqns liUlMOIJOJ :np pUll MC1IeJll:)WUOllA1I3
Aq 5:l:lUE'lsqns snop1&n4 10 :)!XOI 5E' p::lUY::lp S:}::JUE')5qns ::lSoql :lJE' "S::l:)uelsqns snopJE'ZE'H" 'Ol qdE'lfl'r.red S!tit U\ pdsn SV
"ME'lIRIIIJIlIUOJ!"Ug Ql'A\ ::l:lUllpJn:XlE' U! SUo!pe 1E'lpdm:n
Mt!SS,::J',)U 1I11 d){t!'l A(1dUIOld neqs l::lMOJ1Og ',ueSS::l:'J::lU S! Au:)doJd ::l41 ~U!l~:)JJ-e d::'lUR)SqnS snopnW!H AIll~ JO UO!lIl!P::ltfldJ J::lIIIO 10
1P."OlU::lJ AUt! 11:111 'A}!lOt-ltn-e ,uolp.ln~:)J JO lelu:)lUUJ::l"O~ AUt!,(q p::l!J!JOU S! JO 'SUJB'~I J::lA\OlJOElJI '::l~P::lI","ou'II'!HPIl selj l::lA\OllOIJ I[:'JIIIA\
JO MP.'lIU1U:)WUOl!AU310 ::l:'JU1!lsqns SOOPJP.Z1!H AUt! pUP. Au:xlOJd aln ~U!AIOAUI A]lt!d ;)lP."ud JO .{:)lIJ~P. ,{l(llP.lo:1::;U 10 1n111::l11lllJ:;IAOfl'
AUP. Aq uon::lP. J',)\OO JO l~OSMl?1 'PUB'WdP 'W!P.JJ 'UO!lIl'a!JS::lAU! .\UIl JO ;lJ!lOU t1JIIP,\\ JOPU;)'1 JA!~ ,{(Idlll!lld 1I1!IIS 1:;),\\0110f!
"AI1;)doJd :lIPjO
JJuP.U'J\U!P'Ul 0\ pUR SJsn \P.!lU'Jp~s'JJ \~UJIOU 0\ 'JlupdoIdde ~ 0) pd7.1u'iiO'Y.lJ AnBldll~'5 ::llP.ll!11I S'J::lllP.lsqnS <;nop1l?7p.H)0 SJllillTr!llb
IltntlSJO ,{U;ldold Jill tlO ;):1P.J01S 10 '::lSO '::l:'JU::ls::lld dIll OJ Aldde 10U IImls saJU01l1::lS O,\\lllII!P;lJdJd JIlL ',I'd!" I (p'Jtl::lIllUOI!AII3 A\lI~.JO
UOnp.IO!A UI SlllHll ,QJ:mOId ::lIU ~U!1:'J::lJJll liu!l{lAue 'op 01 ::lS{::! JUOAU!? A\OUlllOU 'op lOll lIIH\S 1;),\\01108 'AU'JdoJ(1 "d\11 \\\ 10 \I0S;:'>:)\1P.}SQWS
snoplE'zp.H ,{UE'JO :>SE'::lI::lJ 10 '::l~eJ01S 'lP.Sods!p '::lSO 'd::lUdS'Jd ::lllll!tIIJJd 10 JSoeJ IOtlllt!JIS JdA'OHOg "S;}JUr.JSIIIIS snop.IIl'lr.n 'IIt
A\l!{
JIQe::llJddE' Aq Pd110b::lJ UO~leWIOJU~ 1::l1110 Aue U~IlIUO::l oSTe IJ!'u J::l!10u ::lIU. "::JpIHU;lq PIIlOlIS SlU:;J1UAE'd Iplq,\\ OJ SS::Uppll ,tl1 pUP. l;):'JIAJdS
t11?01 M::lll ::lIPJO SSdJppll pUE' dutllll ::l111 ::llelS IW^ J:'J!IOU Jill "A\el Jlqll::lHdde PUll:::MoqP. tllldt!l~lllP.d tjllA\ ::l:'JIII!P1OJ::lt! U! JljuP.\PJ1lljO
'J:'J!lou mmpM U::lA!~ dQ IpM J::lMOlJOg 'J::l::lIAl::lS ue01 ::lII1Jo ::l~Ulllp t! SI dldl/lJI "::lION :JIll JO Jles P. 0) pdleprrllt l::l::l!,VJS lU!O'T :;llJl JO
S;):1uP.tjJ ;)1OW JO :;IUO::lq AltUl oSle ::lJ::lII~ "'U;)UITU)SUr AI!JR::J;)S S!I11 put! dloN Jill J:>pun ::lOp slualllAed AIQltlOIH 5IJ::lllO::lIt!111 C. ,1~Jlt\J:lS
ueo'l" :)111 st! U,I.-I.OU)j.) .(\nU::l~'t\ u~ ',)~UR\pP. u~ 11ns~1 h\HU ~Ii!':i V "j~MOllOa 01 dJl)OH lOud lnOllll,\\ S::lltlll ::'IOUI JO :>UO Plos Jq h\?nr
(UI::lUllUISIII AIIln:1JS S!lJl 411A' 1;)4J::lS01) aloN ::l111 U! JS::lJ:l)U! [Il!llP-d t! 10 ;lION :}lll ".laJ!,u3S UlUl"I)O ;)~Uf,1U ~:>)ON JO :>IRS '6l
"L [ l(dE'lSeJed J:}pun uO!leJ::lI;):'J:'Je JO ~SIl:J :>Ill U! ,{tdde 10U Hl!tls :3\lnSU!:ll 01 \ll~~l S~\ll 'l'Ji\:),\\OHP-;\l.Hn:}o pmlllO\}~l~l':'l.X1V.
ou j! SP. ::l"!1:)dlI::l ,{1I1lJ u~elU:)J !t1!qs .(q;)l',)lj pJJnJ~S SUOPl?'S"qo ;)111 pue IU;)IUllJISUI ,\lpn:)JS snll 'l:;)A\011Og Aq ItlJtlIdlP.1SUI::ll
uodO "p::JSueQ:'Jun ;lnu!luO:l IIBqs 1U'JUIfillsuI A1!Jn::l:>S S!ql Aq pJJn:'J:;)s SlUns Jtll .{gd 01110!W8nqo S,l:lMOJJO(l put! AlJ:>doJd d\{l U!
s1qS!J S,1::lPUd1 '1U3IUfUlSUI AHlO:'J::lS S!lJUO u:J!I Jill JJnfl JJnSSt! 01 dJ!nb:l1 AlqeuOSU::ll ,{{!IU J::lPUdl St! UO!1::JI~ 'pns S::l)(Rl (P) pUE' 'Sd:1J
,S.{":mJOllE' :>lqE'uose;)J '0) P:;)I~UJ!l10U )nq '8u!popu! 'lU:;)UJfillSUI AlpnJ::lS SllJ1 liupJoJUJ "! p::l1Jl1:'Jtll s:Jsu::ldx:;:\lll? SAE'd (:l) ~SlU;)UI;)JJgP,
10 slueU:>!I0:l Jdl110 Aue JO Jlnej;)p AUP. S::lJn:! (q) ~(Y.)lm:)JO pE'q UOIIl?ldl;)J:'JP. OU)' SE' aloN dlJl PUl? lUJIlIn1lSlII ,{IIJIlJ:'JS SIlII pptl1l
::lOp::lq PlnoA' Udlnlp!4M SUIns 1JP'1::lPU:r]5AP.d (e) :ldMOllOg )E41 dJB SUO!l!PUOJ :;)s01I.l -lu::lmt1J1StlI ,(I!JtI:!dS Sltjl 511p1OJua IUdlU5pnr
R JO M\U;) (q) JO ~lU;)wru\SUI 4~lWY;)S S~lll u~ ~U~tllUO:'l :lltlS JO 1:>,\\od hU-e Ollmmsmd ,\llddOJd ::l11l)0 ::lIE'S :uo)Jq (lUdUI:llll)SIlIJl 10)
AJ!:'J:>ds At!m Mel J[qE'::l!lddl1 511 pO!lddJ::Iqlo II::lnS JO) SAep) (e) :jOJ3H111::l ::Iql 011O!ld :;)lItlj ,(Up. Ie p:mll!luo::JS!P 11l:'lUIrulsuI Al!lO::J::lS Slql)O
1U:}lU:;l:'JIOJU::l JA'!?l[ 01 ll1:i,J Jql ::I"eq nm.{s l::lM.OllOg 'sua~l~pUOj u~el1:~n Sl~::ltu l~A\OlJogjI '3leISU!;\-1I Ollll'it~lt S,.l-;)A~()JJOD "Rl
"J::lM0110H uo pUll'lU:>p 10 d:)!I0tl1:ll[11llj 1110QII.\\ 1lI:;)(tm1ISUI All1n::J:lS S!ql
Aq P',)l1TWJ::xf S:>!pJU1::l1AUe :I,!OAU, At!UI J;)pu~11 'pop:'ld S!lfIJO UO!lf!l!dx;) ::ll{l 01 JO!Jd sums ;)S:'lltl Al?d 0\ sHeJ r~A\Ol1ogjl "\U::ltUtH\'iUI
A)pm:JS sllll Aq pJJO:ldS SUIn!> lie At!d 15nw J:lMOJJOg q::J!tjM u14J!'\\ p:ll!lllU 10 P:J1',)A!l'P S! ::l::J!l01l :ltJ1 :l1J:!p aql mOl) SAE'P OE ump
SS:;)110UJO pop::xl E ::!p!"OJd IIP.IIS ;):),IOU alf~ "UO!l11J',)I::l::J::JI?Jo :I:)!IOU 1dMOIJOg J,,!g Ifeqs JdPU~l '!lopdo S!IJ1 SdSpl::lXd l',)PUJ'I JI
'lUdUIlU1StJI ,\ll1n:)dS S!lIljO dlepalllJOSR MP.T lP.l'PdJ,(q p:;ll~q!qold S! JSI:)1:;)Xd1T IdplI~I1Aq PdSPl::lXd;)q lOti J[l~IIS tlo!ldo sill: 'l::l^;)MO(I
Z!iLSLEO :i NYO'l
66 ~lDid.u.c;pnog
9 JO 9 a8IJd 16f$luPUJIlIV 0616 G[Oe "w>,l
.LN3J.\1mnSNII'\lHO.HNrI JW'lHlNI\1NlI- ^1!lU1!,j ~lSU!S -VINVA'IASN"'!I,I
UlJb\ON'O U(llltIOOU't' glll~~tll\l.d 'jQtjWIW
~ooe "rt Arnr S"JI(I~:J \I01~'llll\.UO:) ^V'l
^lunO:)Uludntlu 'OjnqlilJJI!IH
:'.l!IQnd ,(JelON '191101'OV'j 'y.j I(-e>!
reaSlelJelON
(J33(]lVd
)~",OJO'["L
7n0'c1 I:f\/
}"~tvtv ~J~
' , :s::U1dx3. UO!SS!WUlO:J ,(Y\l
. ( "I1:!';)S J1l'!::I!JJO PUl! PUt?l1 '111;15 0111U;l1;14 I 'd031I3IlM SStlN..LIM NI
'p:mrewo:J U~,'U;ll{ sasodmd aql JOJ awes aql p.)ln:);))(a .....r-'\\- ll!QI paSp;lI!t\OU"l!:>1:!' pUB )UaumllSlI!
U!lm'" aql 0) Pdq!J:lsqns ~ S aweu ;lSOlI'" ~ uosJad alII aq 01 (UJAOld AjUOl:JCJsnt1S JO) ;lill OlllA\Otnj
r"l';..... r>'<.......'-\QW Q\0\JC'" Q\"vl^'I\O\~. C\H\^,\\\\
}~~1\~~,";~~~[~t::l!lJO PJu8!sJapun al(l 'am aJoJ~ -~.bhl ._..>.~ w ~'JS' ]o,(ep \tI'V \ :ntl '5!41110
.:' ;:'/f",t,*;'4l~~!~~~~~O:J V\T'l d<'Y-(l 'VINVA'lASNNlId dO JU'lV;ilMNOININO:J
"._' ~; "P.'.~.t'P"''''''_Q'':'-: - "
;~Bl,IoWJ.?1\li8-"v: '~~f,; -:.:;;: J.,.),);'
~. "~'.e~,.rnAe.r"" /.."~v.r~d-<; 10,{ep ~rl7 \ sn[1 puelJ. hW SS;JUI!M
-lIV f LOt6T Yd 'YIHd~3C~I"d '~33H~S ~N~YM OEZt
S! ;JO)Sp,5~01^.l pO)tuHlHI!ljl!^\ ;)11110 SS;JJppr.
1:l:;l1l0:l :>'11 lelj1 AJ!~:;l:) ,(q:;lJ:>lj op ~ 111. '1:1 0., \ I 'j.Y 1 i J ',~ 'I
U I '-1" - "I ' ;;){I~P!S3M JO 31l!J!J!l.la:)
/'
.---____cmmHOH ~I~;~
.:;//:y//'?
',,-
\,
aNYHHOW aVWHY
""'--7 ~"/~~= ?f/'
"S:>SS;1Ul!!\\
'1t ltlJM p:>pJO:l:>J pue J:>MOllOS Aq P:l1n:J;JX:> (S)J:>P1J Aue
U1 pue lU:>lllnJ1SUI A1~n:):lS s~ql ut p;Ju~e1uo:) SlUeU:lAO:) pue S1111:l1 :l1l1 01 s:>:u8e pue S1d:l:):)e J:lMQJJOH 'MO'HH DNINDIS AS
l:lP!1:I"V'A c:::::::::::J
l:>P!1I uooneS c:::::::::::J
J:>pnl 1U:llUAP.d p:l1enpelD c:::::::::::J
l:lPrd :l)P.M :ltqlHsnrpV c=J
f(s;'))xoq dtqe:J!tdde 'P:;lID]
"1U;)WfU1SUI Alpn:Y.lS S!1Hlo wed e ;)J::lM (s)J::lpp :>4111 se 1t1awlUlsuI A1pn:):>s S!lj1 JO SlU';llU:>;JJ:'ie pue
SlueU:>AO:J ::lq11U::lw:>lddns pue pU::lwe Heqs pUll' OlU! pd1eJOwo:Ju!:>q IIllljs l:>pp q:lns q:)ed JO SlU:;lwd;')J8e pue slueu;')Ao:J ;:Iql '1u:mmJ1SuI
AlPn:J:>S S!ql ql!Mldql:;l501 pdpJO:J:;ll pue JdMOllOg,(q pdln:Y.lx:> :ue SJdP!J dJOW JO dU01I 'lU<llUIU1SUI A'U.lnJ;"JS S!ql 01 $.I;)PlH 'Lt
'd10N :np J:>pun :lW!l 01 :>wn Uloll dlqe,(ed :lUB :l1J.1 :lq Heljs :llnsopOJOJ 05dllOW]0 UO!l:Je UI'l
Ul JO dlON :)1(1 UO (Y.U::l1U:) Sl1u:)utSpnfe J;)lJll' :llqRAed :;llel lSdl:lIUl :lql1Rq1 s:I:>JSe l:lMOlJOg ',uaw2lpnr J:lIJV ;)IUM 11;).I3,UI 'n
. . !' "o:ie:iimw ,(';luom oseq::)Jnd e dq neqs lUOWlU1suI Al!m:Jos S!111 'A}JodOld
:11[1 01 :;llll} dJ~nb:Je 01 J;)M01J08 011U:;l1 S~ lUOWnJlsul A1~ln:l:lS S!lj1,(q pdJn:l:lS lq:lP :;lljl]O AUe]1 "3~ht3J.10W A;)UOW 3seqJ.lnd 's,
"IU:lWlU)SUI Aipn:J:lS s~ql 0l1utmSmd :>Ies J:lqlo 10 oles sJJ!J:llfS e 1e 5u!pp!qJo lU:lW:>:lU:lWUJOJ
dill 0) Jopd moq :lUO 0) pu:nX:l neqs 81 qdeJ3eJed ur pdp~A01d :l1t!1SU~:lJ 01 :lUll} S,J:lMOlJOg 'popad JII;)W<Jlt=ISU!<!H "f'Z
lSLSLEO I' NYO~
lOpm :lWOH pUO:J:;lS
lOprn Imnu,(ed ,(P'O:lM~g
lOprn Anwed t-l
c:::::::J
c:::::::J
c:::::::J
[AjI:Y.lds] (s)lOql0 c:::::::J
J:lPnI lUaWOAOJdWI :lleH c=J
J:;lPnI1UdwdOl:lA::lG nun PdUUetd c=J
JdPnI Wtl!U!WOpuoJ c=J
oor iDi'llSJ!ooa
,..;.~~:on.~"'\
~". ;,~lttl!ib .",
,: \. ..' ~. Co> .
"-'. " 4,) ,,' .~'."._H.... o/j)",
/~"1,o .. _..-~ '.r.......I'1
'''''''.' ..' _f"'~"'.;c,,/~,~.
"'''',' ,,_ ...,. .....) '..0._.,
:f.,1I! (f." .~:'../~., ~. ~ ~
f;;h : "i"~ f.: , ::.
'.;:,'ii!: ;-", .:j'!.'" M~,: .' hbl
I." .':"',i\'\' I 1_:', -,..\,
'I'VY'o 1>, I'. /. - If'
'~.. \> .. ,..:0.,
",~r. . l"l .ioIlll:~~it" ,;I.~IlJ;'"
~,. v.\'. _~..A''\l'/.''Q. ;
....''''''0 .",~ ....;';"""'..0. I.'.
"~. /.,..- .'," .,
.1. "......,..............
"" ~...O) S lIIo?1"....
""..~:.:,~!~\~~~:.. .
J lM&
ep~s;'r(ri-.;ISIPP.:)
, ' !HO ~o 1~1:l\1>b~~U.,q ~U~.flt:l:(^
aBed - ,jO^ - , J:'!j .-. ',\1
Th "\unoJ P"",M.,JC\;;,T, '"'' ".-
spseo 10 6U!pJO:.l8J al\lwI ":lIWl ;:'11 ill [:'r;))'..._1
{puep<v.:,.:,;n:) l()'\~':'.il.,)
98 e!uEflj,buu\)d ill "'~~">
'DNINNID38 ,m 3:r1:f'1d ONV .LNIOd 3HJ. '3N'1!'I MOav::H'Ii dO 3NrHJ3J.N3:J
3H.L NO .I.NIQd 'ti OJ. 'SS3'1 MO 3MOW '.LaSd OSz: dO 3:JNV.LSIO V tN'1d antS NO L"[
GIN' 5 t 51.0'1 N3;;rIU38 M3Nlormt .!IO 'aH.L .dO 'aNI'1 3HL DNO'1V J.S~l/.\ S3.LillUW 0 z: 533MfJ3a B (
HInos 3:lN3H.L !J.IUOd V OJ. J.3::J.!l OOt. dO :iJ:1NVJ.srG 1;{ .LSV3 S3.LflNIW Of> S33Clf):3G IS H.L.nOS
'3003 5M3J.VM 3HJ. J.V SS3'1. MO 3ll0W t>NI38 )123M.':> J.::JNIODOOONO:l :!IH.L dO )lNV8 tm3J.s31~
OIVS 3H.L DNO'!'\[ S.Ji'lSH.L !>lS3M:l .r.SNrflDOOONO:l 3HJ. dO )l:Nv'd NM3J.S3M 3H.L NO LIUOd
V 0.1 'SS3'l HO 3~OW '.133.:1 05Z ~o 3~NV.LSla v SJ.O'l dO NV'ld 03NOI.Ltl3W M31.dVNI3M3H
3H.l IIO 6"[ aN\! L r SJ.G'l N33M.L38 13:3"NlorQV .:10 3NI'} 3H.t DNO'lV .LSV3 S3.LON!W OC: S:il3HfJ3Cl
8( H.LMON 3:lN3H.L !.LNIOd V 0.1 .133.:1 oot dO 3.JNV.LSla 'l:J .1S3M S3.LflNIW Ot> S3311D3a 15
H.laON 3mt''] t-IOav3L'II dO SIU'l H3.LN,3;) orvs aH.L DNO'!V 3JN3H.L !3AHlO J..mtDXO.d dO 81U'l
1I3.Lt13::> 3lU WOH..I .L3'3..I OS' HS dO 3,JNVJ,SIO v NOIJ.,J31lIO A'1113l.S3HHl.HON \f HI a3UnS'<f3W
31'NS J.8DNI:38 .I.fUOd OI'l:JS 'SIN'l MOD'VaW dO 3N.I'1 H3.LN3J 3"HJ, NO J.NIOd V .LV DNINNTD38
:.LIM OJ. 'SMO'1'lO.d S'l:J 'LL61 '~
A'10r Q3.LVa '1l0X3AllnS a3Hg~SrDaM '013DNV,Q .~ 73VH~IW ~O A3^HnS v H~IM 3:lNVaHO~J'l:J
HI 038IH:lSga NOV OSGNOG8 A'lHV'1n~I~HVd 3HOW 'VI~A1XSlli13d 'A.LNnO~ aNV1B38Wn~
'dIHSNMO~ OMOaSNN3d ISV3 NI 3LVn~IS a~ ~o 3J3Id HO ~J~l. NI~~M3~ ~VH~ ~~v
v .ua:rHXH
,-__ ,:.2 r m'J r;(~9 YuC
~G"~tjOJ'VVB&;,
unoo .JIl''''"I1(j~~:;I "t'jSS!WL .,
OllQnd N!JON 'II~ ~&tjtllJIW~,~I'V
JIBS lep!JON W 'U61J\(
'Ool 30YOol~OW;O olN3WNOISSY
G3G)]OJ31l NllO.L31l
:~l!d"3. U01~S!\U\UO:) .<w
./ :J![qnd hllHON
::r'f l2' IV -"~r1
;J ('V3S'VJ)lY.LoNl
'tllas {9!OmO put! PUllt{ AW lal> Ol'Jt\:\l~'~ ,)"'111.{ 1 'liO:Ill'.!lHM SS3NHM NI
'luap!S:lJd Q:J!A lUlllS!S~C;V se JtaStu!4 ,(q uone.LOdle:)
:ullJo ;W8U alp fiu!u1J!s,(q paule.lloo U!::lJaql s;jlsod.md ~ql Je) JU;uJnJISU18u!ofiaJoJ aql paln:lQX; 'os op 01
p;zpoqml! SU!;q lU;P!l;;)Jd ;):J!A lU8IS!SSY lI::ms sl "'{JlIlI} pue 'UOPI!JodJOJ 11 '88d )\ut!8 JapeSTU.:JJo 1U~P!S;Jld ;!::l!A
lUms1ssy aql ;q OlJl:lSW!lI pa'p_IMOlnpg OqM 'J;U450)[ ')I' ,u02l:UO p;.n!\')dde ^nlluoslad 'J:l:JUjO p;jlU~!SJ;pun all1
:lJIlMlll'aQJo ::11818 ;1.11 10) pue UJ :J!lqnd A.rlll0N g QUJ ;;110)0%661' .:t3qw8:JdaS)0 Aep lj:J!;l S!l{lIJQ
a,1.Sv.::J M3N 40 A~Nno.::J
liS:
31lVMY'I30 ~O 3LYolS
~
'-'-'
.. UJ
.'~ 6661 '.laqma:Jdas JO'\up 4:Jt;1 ;)41'P"ls"llR,{lnp'[lldS
:~jtuo~:> JO UOlUWO:> SI! pOlX!JJV;q 01 p;snu;) 01un;J;4 4Jll4 HON~ISSV 3H~ '.!103H3HM SS3N~tM. Nt
noLt Va cll1R dw:e':) 'aue'1 l'l.opea}l LIB S!
::Iqljo SS"JppU osp;Jd pUU ,,::l!JjO 1sod "I"jdwo::l "411241 ,{j!}J;)::l ,{q::lJ;4 I
OAa G3olS3J..L V
\..'- (TJ y
(.') , N
~ n ,
, , ., N
" E
'-' 0-
r-
".., .-<
.J;)A;JO) 3'3NDISSV )0 Sll~!SSV
pUU S;A!lU1U::I$::IJd:u lB2;I 'SJOSS;::l:ms ;)41 01 pue XXN~ISSV PlUS Olun ;utUS ;41 G'lOll O~ GN:V 'lA VH O~
'1S::lJ::l1U! ;tn l{1!M 'UO::U:l41
;np MO~ pue ;np S;!UOW ;ql pUB ;!u!UOW ;41 uJ p;qp;)S;P 'SUO!lu~!Iqo J;410 JO ;1oN ;41 H.LIA\ ~3H.L3DO.L
111H 6mB:)
JO All:) JO 'OJog 'd!'lsUM.o~ "tp u1 '
600-01 EI-BI-60 OII::1::lJUd XB.L
nOLI va 't1tH dl1lB'J 'au~'1 f':IopuaH LTB StlS;S!Ul~ld,\quMOIDl'&u!~pUep:ll,);)Jd
UO;J;l!1 SIUOlW;AOJdw! puv ~U!Pl!nq ;41 tPlM punoJ~ jO gJ<l!d JO 101 U!Il}J;:) 12111Utl uodn p<lJnJdS 'P:mol1U;W U!::lJdll,1
Sll UO;J:;ItH 1S::lJ;IU! ll,1!M '
uo'
';'6
:l1ied Ill'
liS I
)j008
;'&Il~lJOWU!'
tfJ,:UUATASUU9d
)0 ;)111IS'
PUUl.laqmnJ jO ,(lunOJ ;)tH U! pgpJO:);JJ
00' OOO'l~l $)0 lunowu f1lU!\JJlO ;ql JO)
.laqUla~das )0 ,(RP q~'7T :lql tlO
6661
PUB'UlqOW P1A'9 r pUB pU'E!mqow puwqV ,{q pllJn:JdXOl pUB U;A!'& ll8e'&uow NIV nix:.> ~ VH~ 'l'1V
'sujJJSSY put: SJos!i":J::ns ill :iI3NDISSY P!ll~ ;nn 01.10 J;I/IO l;S pUG U!l!8JBq 'IUBJ5 ,<q;u;l! ,lloq 'p;8p;I,~\OIDi:lC
Aq::lJ;q S!)O;Ji1l!M 1d!;o;J Olq1 'jO::lJi1q uopno<lxi1 ;qJJo ;wp "qlIII '3:3:NDISSV su OJ P".lJdj:JJ J;)ljIlU!.U;)t!
,(q PU1Ht U! J! 01 P!ud ',{lluoUllnjMU[ UOpUJi1P!SUO::l i1[qlln[IlA pUll pooS J;)1110
pUll (OO.j $) 'MVT10a 3NO)O wns ;q1)0 UO!1UJOlP!SUO:) U! put! JO} 'P;lUO!lUdW Ji1ijBUpJ;)q <I1l'Il~1JOW ;ltlt U! pdlUllU
;;8eS\low ~q\ 'UiUUAt^,SUU~d 'u\\\dt;p-UU\\d u~ 1;;JJ8 )nUIllN\. Orl:11'a pr,>i'a:rot ~YJO red~:)upd Sl! 'ilU1AIIQ '8lUMlhsUU"d
jO qljBdMUOWU10:J 0ll{1}0 5MBj Oltp JOlpUn SU!IS!Xi:l put! p;z!ue1l'Jo UO!lUJodJo:J II 'o:S~ >lNVO: lurQVSOll.:> 1eq.l
'Sol>/3S:!llld 3S3Hol All >/:!llll '1'1V MaN){
:ilDVDnIOW "'0 ~N"WNDISSV
(//
jJ" I {
,-v/ll ,- 1/ -h (_
I [ '"'
f-~
, .
EXHIBIT C
ALL THAT CERTAIN TRACT OR PIECE OF LAND SITUATE IN EAST PENNSBORO
TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA, MORE PARTICULARLY
BOUNDED AND DESCRIBED IN ACCORDANCE WITH A SURVEY OF MICHAEL C.
D' ANGLEO, REGISTERED SURVEYOR, DATED JULY I, 1977, AS FOLLOWS, TO WIT:
BEGINNING AT A POINT ON THE CENTER LINE OF MEADOW LANE, SAID POINT
BEING BY SAME MEASURED IN A NORTHWESTERLY DIRECTION A DISTANCE OF
831.50 FEET FROM THE CENTER LINE OF FOXCROFT DRIVE; THENCE ALONG THE
SAID CENTER LINE OF MEADOW LANE NORTH 51 DEGREES 40 MINUTES WEST A
DISTANCE OF 100 FEET TO A POINT; THENCE NORTH 38 DEGREES 20 MINUTES
EAST ALONG THE LINE OF ADJOINER BETWEEN LOTS 17 AND 19 ON THE
HEREINAFTER MENTIONED PLAN OF LOTS A DISTANCE OF 250 FEET, MORE OR
LESS, TO A POINT ON THE WESTERN BANK OF THE CONODOGUINET CREEK;
THENCE ALONG THE SAID WESTERN BANK OF THE CONODOGUINET CREEK
BEING MORE OR LESS AT THE WATERS EDGE, SOUTH 51 DEGREES 40 MINUTES
EAST A DISTANCE OF 100 FEET TO A POINT; THENCE SOUTH 38 DEGREES 20
MINUTES WEST ALONG THE LINE OF THE ADJOINER BETWEEN LOTS 15 AND 17
ON SAID PLAN A DISTANCE OF 250 FEET, MORE OR LESS, TO A POINT ON THE
CENTERLINE OF MEADOW LANE, THE POINT AND PLACE OF BEGINNING.
APN #09-18-1310-009
IMPROVEMENTS CONSISTING OF A SINGLE-F AMIL Y RESIDENTIAL DWELLING.
. .
EXHIBIT D
11/02/2005 10:21
l~I~~/2~e5 15:~e
.............,.
,
.~
,~
4q t.o\~ e.-
2156271661
61eEG814S3
T-
ROYAL BANK AMERICA
I<OYI\L &!INK OF PI\
PAGE 02
PAGE: ~2
-........"..
,
""
;
"';'"
,--_./
'.,..-'
..;.:.:..~....
:. .:;;::;i P. ZIECU,~
ASSlGNMENTOII'MOBTGAGi: :.::GGRDER Or DEEDS
.:(lE!<U/lIUDUNTY.:. ,
KNOW ALl. ~N BY TIUlSE FRBSBNTS lb.t CltuSADEll. SA VlNGS BANK, ~n:, 3 Ui$QiiiJII .,
Of'8IIlizcd and Clti3ting 1In\!I:I: t~. {Qws oldie CotIlll101lM:a11l1 "fPClllWylwnlan.~ ptjnClMilOfr 02
laoatee! ill l~.O W&IJlIll Stroet, t'bUo.delphia, PaMsylVUlill, bereimdlmr "ASSmw~for illl41v11
collSide~on oftb. SUnl ofONl\ DOLLAR, (51.00) 1.w.lUl moaay, and QIllM .DOlIl!l1d vo.luable
COIllIideratiall. tho rcC<liplllllll !ll!liclellllY ofwhioh is hoT.by 'ClcnIlW\.dg.d, paid to II b)' ROYAL lOAN!::
OF l'l'lNNS1c'L VANIA,. COIpamion Qrganizod lllId OlCisling Ulldet I!le laM oiPOIl!l8ylvAllla With its
Jl~Jllll office al732 MonlgOlIloty Av~ JIlllrbellb, P A 19072, hcrcinilhr "ASSIGND", dOCR hereby
8S&isn. pt, betgllin l\Ild..'It aver ""'to the said ASSrGNBE its ilVCem!ll\l and ...rigm:
ALL THAt CE1l.TAINMarIi!ll~ 61\1IOI September 14, 1999 coveringJlRlll1iMo lI~known "" S11
Mco.dow LIlli.. Camp Hill, East P.\Wboro TaWll'bip, 00\IDly of C\mI~1and, Sate ofP""n.ylvania
11011, in Ih~ llIoUlllo1lll1 on152,(){)O.OO,!iVdl by Abmlld Mohmand and 1.vid MQIunmId to Qu<ad..
Savin8" B.nk, F.S.B., ond reconlcd on September 11, 1999, in the Cumb.&nd Cll1IIIty l!.ol<:order', OlIice
.t !look 15?!, 1'"110 94 (hen:l1,lller''MIll'll!ISo'') .I,u boinK Pilf~~lllOll.Ig..Ijlo.009.
i
1'OOETHER. WInl tbe Bond, N03 andll.1l ather Qbllgo.tions dc.CTI'bcd ill the M~~, illeludill.g the
ln~ lIlld other nlOOie. dI!e IIlld to grow duo tberCOl1; ,
WJTIl: .ASSrONOlt gr8ll\int to ASSlIJND:l! Md i.. sucCO'~ o.nd ...igns ths ri~ to h.", md ~old lh.
mQ~ fQI~",
IN WITNESS WHERBOF, the ASSIONOR ~oth hommt.o c.Ulled to be .ffixl:d iJ Corponte S~, duly
.t1ll6!1ol1.lh. ~ day ofNQvembft 2002. ;
Cruwadr:r S. . Si Bl1Ilk, 1l.~.1l
~(jh~~
AItest1id By: L1lld. MacAHster
A..i.tmt Secretary
. ')~'"'"\~'''~>:'-''' '
,," -",./:''11;,., "1\ lI._)
r"..f ~~ir'~~\". ',~'
!.,. .' -"'\(~" f' R '-)II .~:,':t
....'.,.:'1't- ~'\.7 ""'~. ,;
~.,.. .1'!..;" ,'~ .' "'t'::.'.""
COMMONWEALTIiOFPENNSY,LVANIA ; <:..: ~,. -< ~.A';,;};, .~.
, ~:rO~,I:"'i,I,..~:_~:
:8 S ! ;!. ~ ~!!- ....., ~ lji~ 01:/.r..~ ;~
em' &; COUNTY 01' MONTGOMERY : ~ .'., \rn r,T;!.;.....f1;/:!,'di..'
I . ~,,1) 1i'.!~.M-''''1.~~"t... :
6" . ... .~,",- ".~n, ,.,.r .~k, .
. . ~".'" ,', Il ' .
0lll1li. ~y of November, 2002 iJefure me I ootaryPubtic in and.tbr the C~*j':, ".'_:::'~":;,J.,.O .-
!~ylv8ll1ll, pc""'ll.&Ily .ppe8l'1tc\, the lllldersigned gfficer, lleotce MeDonou~ who ~~ '\ c:: 0. . ..-
....._Ift~ be llIc VICe Pre<<l~t ofCroIlldor S..-t"... BM" 11 S B <<C_....~R. _~ .<-. '-' _._~ .,'F . .
Prosidl!rtl: IQld bein .~.~ -eo "'.'" -.....~vv """ won ".,...... v,'''
. " g 3u""",,ud 10 do '0, l!lI:e<:uted the lbresoing Inll1:nDnehl for Jl'.l!Pose tberein
oonlllincd bY!lglti1lg lhelJlUDfl of tbe Corporation by himsolfl8 Vice President. :
IN 'M'!'NE$s ~', I haw h=m:n 'C!lmy hand and officIo! ....1.
~ ~
NOlaryl'uhlill:Jt~ ' .
My ComnU...ion 1!xpins: .
,
BOOK 692 ~At,.l.s23
(SEAL);.",~:.'it
...~."...., , .. .,~;\.o1...,~ , J,
,~\l'<. "~"'.'""'~l'l. ....,.~
..:oI,~ ~ :"',.,.
/~1 ,-'1'..:,t
; . ',;.~,/, "'~ .~It~..,.
I , . . ....~..,
.. . '~QI. '('~'.-:~ '
a.lLlm ---'.d '.,.-..w. 'M - .' '.""~:' '...,
Ar:.t."""Wtlu n..lI:!l.E,UUlJ;ilnOJ; . 1Ii'f,/ "'''',,-
"-'B-." f"-."-' -' ortpge. "..,~. .,,~~..-.;j,~,.. .'....
~-,- EUlK,O iIII........oID11w"'"l, .,f.l1.JC':a-....~... ~.:';;:-:.'"
....2 M ' 'llIe ,.,.,..~"'.,..
I~ OI1tgOm.l!ry Awn\le I' ',,~ l_i.',~&-;~~".:'i......~J
Nlltbcllh, fA 19011: ,. ': '~""': '
A.\1l1: ~lIn ll~lllltalio~ Depatuncnl . ,
--'.--...
I'hu.\s ~ranai 5$/ -.-
~~SPubHc
"'ClIl.."...,,-; ~ P.l8w
MrIIiiiii--=- ~ 'e.~
. .',""""",1,;"," .
~"'Ho&iiii
,
~MJ::
Prql.r !)', Ll'" Homer
",,"-.r
'--
PAGE 03
PlloGE e3
(Y I 01-1 m Pt.l....:.. D
~G .,C
...:.~ ~&i d
11/02/2005 10:21
1e/28/2ees 15:08
2150271551
5185581483
ROYAL BANK AMERICA
RllYAL BANK OF FA
"
.'. .,......
EXHIBIT A
i
,
i
I
I
ALl. THAT CERTAIN TAACT OF tAND SITuATE IN EAST P~NSBORO ro..JNSHIP.
CUMBERl..ANP COUNTY, PENNSYLVANIA. MORE PARiICULARL Y eOUND~D AND DJiSCRleED
IN ACCOROAN~ WiTh A SURVEY OF MICHAEL C. D'ANGELO, RE~rSTEREO SU~R,
DATED JULY 1,1997, AS I'QLLOWS, TO WiT:
BEGINNING AT A POINT ~N THe: CENT'"R LINE OF MI:AlJOW l.Al'lE: SAlO~1NT B!;:INGi gy
SAME MI:ASUR5D IN. A NORTHW~TERI. Y DIRECTION A DISTANce OF 83/.5() FEiET FROM
THE C!;NTr;;~ UN~ OF FOXCROFT DRIVE; TI1ENCE ALONG THE SAID CSNTER UNE OF
MEADOW LANE NOfm.l51 DEGREES 40 MINUTES WEST A DISTANCE OF ~OO F!!ET TO A
POINT; THENCE NORTH as O,"GREES 20 MINUTES I'AST Al.ONG THE LINE OF ADJOINER
BE'TWE~N 1..0TS 17 AND 1i ON THE HEREINAFTER MENTION!;O PLAN Of LOTS A DISTANCE
OF 250 FEET, MORI'! OR ~SS ,TO APOINT ON THE WESTERN BANK OF T~E
CONOOOGUINET CR5EK; 11iENCE ALONG THE SAID WESTERN BANK OF iTHIi
CONOOOCiUINET CREEK BEING MO~ OR LESS AT THe WATERS EOGE, !SOUTH 51
DEGREES 40 MINUTeS EAST A DISTANCE OF 100 FEET TO A POINT; TJ./SNCE SOUTH 38
D~GR5=S 20 MINUTES WEST AI..ONG THI" lIN!, OF THE AOJOINER BETWEEN LOTS 15 AND
17 ON TH!; SAID PLAN A OISTANCE OF 250 FEE:!', MO~ OR LESS, TO A PGlINT ON THE
CENTERLINE OF M!.A.OOW LANa, THE POINT AND PLACE OF BEGINNING.;
LSGAL D~PTION
PFlOPEFm'AODF<r=$$:817M~OWLANE, CAMP HILL. PA.17011
CUMBERLAIllr> COUNn'
I eel-jfy this lo hi) rt;l'~)rdcd I
(11 C'ul11b\;;l;md C():.mly PA i
,
. ,
,..r:> !
"1/'.'" r.1.
/.-~.,?~.
tJ
~--;:, /~ ,..........,........ ....
~. ',''',n. '" .~. ...-.;.::.,.......-,;r;..~' ~2~"'
1:....... . ..'.... ' t1'
.:.' I: ~, ' . ~
~",.;. ,
\'. i' /
.......... '~~', ..",," -~.' ,",
- - ~'.~ "'-C~/~~'. L._ (ll. r~'I''I/'''r)'-':
, .. ...~,......' .,', - ~.,' ..'.' ',~ ,..... ;
BODK 692 PAcU.52.j
. .
EXHIBIT E
'.
/lft~
ROYAL BANK
AMERICA
401 FAIRMOUNT AVE.
PmLADELPIllA,PA., 19123
September 14, 2005
SENT VIA REGULAR MAIL AND CERTIFIED #1005 1160 0005 0088 5024
Javid Mobmand
817 Meadow Lane
Camp Hill, PA 17011
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home
is in default, and the lender intends to foreclose. Specific
information about the nature of the default is provided in the
attached pages.
The HOMEOWNER I S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be
able to help to save your home. This notice explains how the
program works.
To see if HEMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling
Agency:
WWW.ROYALBANKAMERICA.COM
NASDAQ: RBPAA
The name, address and phone number of Consumer Credit Counseling
Agencies serving your County are listed at the end of this
Notice. If you have any questions, you may call the
Pennsylvania Housing Finance Agency toll free at 1-800-342-2397.
(Persons with impaired hearing can call (717) 780-1869).
This Notice contains important legal information. If you
have any questions, representatives at the Consumer Credit
Counseling Agency may be able to help explain it. You may also
want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SOMA IMPORTANCIA, POES
AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO
COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA
TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO
POR EL PROGRAMA LLAMADO "HOMEOWNER I S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM" EL CUAL PEUDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
STATEMENTS OF POLICY
Borrower(s): Ahmad Mohmand and Javid Mohmand
Current Owner(s): Ahmad Mohmand and Javid Mohmand
HOMEOWNER'S NAME(s): Ahmad Mohmand and Javid Mohmand
PROPERTY ADDRESS: 817 Meadow Lane, Camp Hill, PA 17011
LOAN ACCOUNT NO:
ORIGINAL LENDER:
CURRENT LENDER:
50063626
CRUSADER BANK FSB
Royal Bank America
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
· IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
· IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
. IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act, you are
entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meeting with one of
the consumer credit counseling agencies listed at the end of
this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS.
IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST
BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED
"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONS)JMER CREDIT COUNSELING AGENCIES - If you meet with one
of the consumer credit counseling agencies listed at the end of
this notice, the lender may NOT take action against you for
thirty (30)days after the date of this meeting. The names,
addresses and telephone numbers of designated consumer credit
counseling agencies for the county in which the property is
located are set forth at the end of this Notice. It is only
necessary to schedule one face-to-face meeting. Advise your
lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in
default for the reasons set forth later in this Notice (see
following pages for specific information about the nature of
your default.) If you have tried and are unable to resolve this
problem with the lender, you have the right to apply for
financial assistance from the Homeowner's Emergency Mortgage
Assistance Program. To do so, you must fill out, sign and file
a completed Homeowner's Emergency Assistance Program Application
with one of the designated consumer credit counseling agencies
listed at the end of this Notice. Only consumer credit
counseling agencies have applications of the program and they
will assist you in submitting a complete application to the
pennsyl vania Housing Finance Agency. Your application MUST be
filed or postmarked within thirty (30) days of your face-to-face
meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO
SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN
THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE
DENIED.
AGENCY ACTION Available funds for emergency mortgage
assistance are very limited. They will be disbursed by the
Agency under the eligibility criteria established by the Act.
The pennsyl vania Housing Finance Agency has sixty (60) days to
make a decision after it receives your application. During that
time, no foreclosure proceedings will be pursued against you if
you have met the time requirements set forth above. You will be
notified directly by the Pennsylvania Housing Finance Agency of
its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE
IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency
Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date).
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above
lender on your property located at 817 Meadow Lane, Camp Hill,
PA 17011 is in default because:
1. Your loan documents state the Borrower shall keep the
improvement now existing or hereafter erected on the
Property insured against loss by fire, hazard included
within the term "extended coverage" and any other
hazards, including floods or flooding, for which Lender
requires insurance.
2. Evidence of insurance has not been provided. Royal Bank
of Pennsylvania reserves its rights to utilize any
remedies available against all parties obligated under
the terms of the Subject Loan if we do not receive a
current insurance binder for 2003 listing Royal Bank of
pennsylvania as mortgagee and/or loss payee on the
policies.
3. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the
following months and the following amounts are now past
due:
July 1, 2005
August 1, 2005
September 1, 2005
Insurance Fee
Unapplied Balance
$ 1,362.07
$ 1,362.07
$ 1,362.07
$ 1,733.13
$(1,003.46)
Total Amount Due
$ 4,815.88
YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
applicable) :
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY
(30) DAYS of the date of this notice by
1.
PROVIDING A CURRENT INSURANCE BINDERS FOR
BANK AMERICA AS MORTGAGEE AND/OR LOSS
POLICIES.
2 005 WITH ROYAL
PAYEE ON THE
2. BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS
$4,815.88, PLUS ANY MORTGAGE PAYMENTS AND ADDITIONAL
INTEREST AND LATE CHARGES WHICH BECOME DUE DURING THE
THIRTY (30) DAY PERIOD. Payments must be made either by
cashier's check, certified check or money order made
payable and sent to.
ROYAL BANK AMERICA
ATTN. Robert Naylor
401 Fairmount Avenue
Philadelphia, PA 19123-2807
Royal Bank America also accepts Western Union Quick Collect.
The code city is royalbank. The state is pa.
Please call for instructions if you wish to wire the funds.
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default
within THIRTY (30) DAYS of the date of this Notice, the lender
intends to exercise its rights to accelerate the mortgage debt.
This means that the entire outstanding balance of this debt will
be considered due immediately and you may lose the chance to pay
the mortgage in monthly installments. If full payment of the
total amount past due is not made within THIRTY (30) DAYS, the
lender also intends to instruct its attorneys to start legal
action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will
be sold by the Sheriff to payoff the mortgage debt. If the
lender refers your case to its attorneys, but you cure the
delinquency before the lender begins legal proceedings against
you, you will still be required to pay the reasonable attorney's
fees that were actually incurred, up to $50.00. However, if
legal proceedings are started against you, you will have to pay
all reasonable attorneys' 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 wi thin the THIRTY
(30) DAY period, you will not be required to pay attorney's
fees.
OTHER LENDER REMEDIES - The lender may also sue you personally
for the unpaid principal balance and all other sums due under
the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF'S SALE - If you have
not cured the default within the THIRTY (30) DAY period and
foreclosure proceedings have begun, you still have the 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 due,
reasonable attorney's fees and costs connected with the
foreclosure sale and any other costs connected with the
Sheriff's Sale as specified in 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.
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 three months from
the date of this Notice. A notice of the actual date of the
Sheriff's Sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer
you wait. You may find out at any time exactly what the
required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Phone Number:
Fax Number:
Contact Person:
ROYAL BANK AMERICA
401 Fair.mount Avenue
Philadelphia, PA 19123-2807
(215) 922-4400 ext. 2
(215) 627-1661
Robert Naylor
Name of Lender:
Address:
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's
Sale will end your ownership of the mortgaged property and your
right to occupy it. If you continue to live in the property
after the Sheriff's Sale, a lawsuit to remove you and your
furnishings and other belongings could be started by the lender
at any time.
ASSUMPTION OF MORTGAGE - You MAY NOT sell or transfer your home
to a buyer or transferee who will assume the mortgage debt.
YOU MAY ALSO HAVE THE RIGHT:
o 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.
o TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF.
o TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT.
o (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT
MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
o TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
o TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO
SUCH ACTION BY THE LENDER.
o TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
A LIST OF CONSUMER CREDIT COUNSELING AGENCIES SERVING ALLEGHENY
COUNTY IS INCULDED WITH THIS NOTICE
Sincerely,
?~
Robert Naylor
Royal Bank America
Special. Assets
401 Fairmount Av
Phila PA 19123-2807
215.922.4400 ext. 2
Fax 215.627.1661
ACT 91 CONSUMER CREDIT COUNSELING AGENCIES
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
(Marcia Hess)
2275 Swallow Hill road, Bldg 200
Pittsburgh, PA 15220
(412) 429-2842
FAX (412) 429-2835
Credit Couuselors of P A
401 Wood Street, Suite 906
Pittsburgh, PA 15222
(412) 338-9954 or 1(800) 737-2933
FAX (412) 338-9963
Action Housing, Inc.
425 6th Avenue, Suite 950
Pittsburgh, PA 15219
(412) 391-1956 or (412)281-2102 or 1 (800) 792-2801
FAX (412)-391-4512
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
(724) 852-2893
CCCS of Western Pennsylvania, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
(412) 471-7584
Housing Opportunties
133 Seventh Street
McKeesportPA 15132
(412) 664-1906
Fax (412) 664-0873
Urban League Of Pittsburgh
Bldg. For Equal Opportunity
One Smithfield St.
Pittsburgh PA 15222-2222
(412) 227-4802
FAX (412) 261-5207
Mon-Valley Unemployed Committee
120 E. 9th Avenue
Homestead, PA 15120
(412) 462-9962
,/"l/?~
ROYAL BANK
AMERICA
401 FAIRMOUNT AVE.
PHILADELPHIA, PA., 19123
September 14, 2005
SENT VIA REGULAR MAIL AND CERTIFIED #7005 1160 0005 0088 5017
Ahmad Mohmand
817 Meadow Lane
Camp Rill, PA 17011
ACT 91 NOTICE
TAKE ACTION TO SAVE
YOUR HOME FROM
FORECLOSURE
This is an official notice that the mortgage on your home
is in default, and the lender intends to foreclose. Specific
information about the nature of the default is provided in the
attached pages.
The HOMEOWNER I S MORTGAGE ASSISTANCE PROGRAM (HEMAP) may be
able to help to save your home. This notice explains how the
program works.
To see if REMAP can help, you must MEET WITH A CONSUMER CREDIT
COUNSELING AGENCY WITHIN 30 DAYS OF THE DATE OF THIS NOTICE.
Take this Notice with you when you meet with the Counseling
Agency:
WWW.ROYALBANKAMERICA.COM
NASDAQ: RBPAA
The name, address and phone number of Consumer Credit Counseling
Agencies serving your County are listed at the end of this
Notice. If you have any questions, you may call the
Pennsylvania Housing Finance Agency toll free at 1-800-342-2397.
(Persons with impaired hearing can call (717) 780-1869).
This Notice contains important legal information. If you
have any questions, representatives at the Consumer Credit
Counseling Agency may be able to help explain it. You may also
want to contact an attorney in your area. The local bar
association may be able to help you find a lawyer.
LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA, PUES
AFECTA SU DERECHO A CONTINUAR VIVIENDO EN SU CASA. SI NO
COMPRENDE EL CONTENIDO DE ESTA NOTIFICACION OBTENGA UNA
TRADUCCION INMEDITAMENTE LLAMANDO ESTA AGENCIA
(PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO
MENCIONADO ARRIBA. PUEDES SER ELEGIBLE PARA UN PRESTAMO
POR EL PROGRAMA LLAMADO "HOMEOWNER I S EMERGENCY MORTGAGE
ASSISTANCE PROGRAM" EL CUAL PEUDE SALVAR SU CASA DE LA
PERDIDA DEL DERECHO A REDIMIR SU HIPOTECA.
STATEMENTS OF POLICY
Borrower(s): Ahmad Mohmand and Javid Mohmand
Current Owner(s): Ahmad Mohmand and Javid Mohmand
HOMEOWNER'S NAME(s): Ahmad Mohmand and Javid Mohmand
PROPERTY ADDRESS: 817 Meadow Lane, Camp Hill, PA 17011
LOAN ACCOUNT NO:
ORIGINAL LENDER:
CURRENT LENDER:
50063626
CRUSADER BANK FSB
Royal Bank America
HOMEOWNER'S EMERGENCY MORTGAGE ASSISTANCE PROGRAM
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE
YOUR HOME FROM FORECLOSURE AND HELP YOU MAKE FUTURE
MORTGAGE PAYMENTS
IF YOU COMPLY WITH THE PROVISIONS OF THE HOMEOWNER'S
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983 (THE "ACT"), YOU
MAY BE ELIGIBLE FOR EMERGENCY MORTGAGE ASSISTANCE:
. IF YOUR DEFAULT HAS BEEN CAUSED BY CIRCUMSTANCES BEYOND
YOUR CONTROL,
. IF YOU HAVE A REASONABLE PROSPECT OF BEING ABLE TO PAY
YOUR MORTGAGE PAYMENTS, AND
. IF YOU MEET OTHER ELIGIBILITY REQUIREMENTS ESTABLISHED
BY THE PENNSYLVANIA HOUSING FINANCE AGENCY.
TEMPORARY STAY OF FORECLOSURE - Under the Act. you are
entitled to a temporary stay of foreclosure on your mortgage for
thirty (30) days from the date of this Notice. During that time
you must arrange and attend a "face-to-face" meeting with one of
the consumer credit counseling agencies listed at the end of
this Notice. THIS MEETING MUST OCCUR WITHIN THE NEXT (30) DAYS.
IF YOU DO NOT APPLY FOR EMERGENCY MORTGAGE ASSISTANCE YOU MUST
BRING YOUR MORTGAGE UP TO DATE. THE PART OF THIS NOTICE CALLED
"HOW TO CURE YOUR MORTGAGE DEFAULT", EXPLAINS HOW TO BRING YOUR
MORTGAGE UP TO DATE.
CONSUMER CREDIT COUNSELING AGENCIES - I f you meet wi th one
of the consumer credit counseling agencies listed at the end of
.
this notice, the lender may NOT take action against you for
thirty (30) days after the date of this meeting. The names,
addresses and telephone numbers of designated consumer credit
counseling agencies for the county in which the property is
located are set forth at the end of this Notice. It is only
necessary to schedule one face-to-face meeting. Advise your
lender immediately of your intentions.
APPLICATION FOR MORTGAGE ASSISTANCE - Your mortgage is in
default for the reasons set forth later in this Notice (see
following pages for specific information about the nature of
your default.) If you have tried and are unable to resolve this
problem with the lender, you have the right to apply for
financial assistance from the Homeowner's Emergency Mortgage
Assistance Program. To do so, you must fill out, sign and file
a completed Homeowner's Emergency Assistance Program Application
with one of the designated consumer credit counseling agencies
listed at the end of this Notioe. Only consumer credit
counseling agencies have applications of the program and they
will assist you in submitting a complete application to the
Pennsylvania Housing Finance Agency. Your application MUST be
filed or postmarked within thirty (30) days of your face-to-face
meeting.
YOU MUST FILE YOUR APPLICATION PROMPTLY. IF YOU FAIL TO DO
SO OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN
THIS LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME
IMMEDIATELY AND YOUR APPLICATION FOR MORTGAGE ASSISTANCE WILL BE
DENIED.
AGENCY ACTION Available funds for emergency mortgage
assistance are very limited. They will be disbursed by the
Agency under the eligibility criteria established by the Act.
The Pennsylvania Housing Finance Agency has sixty(60)days to
make a decision after it receives your application. During that
time, no foreclosure proceedings will be pursued against you if
you have met the time requirements set forth above. You will be
notified directly by the Pennsylvania Housing Finance Agency of
its decision on your application.
NOTE: IF YOU ARE CURRENTLY PROTECTED BY THE FILING OF A
PETITION IN BANKRUPTCY, THE FOLLOWING PART OF THIS NOTICE
.
IS FOR INFORMATION PURPOSES ONLY AND SHOULD NOT BE
CONSIDERED AS AN ATTEMPT TO COLLECT THE DEBT.
(If you have filed bankruptcy you can still apply for Emergency
Mortgage Assistance.)
HOW TO CURE YOUR MORTGAGE DEFAULT (Bring it up to date) .
NATURE OF THE DEFAULT - The MORTGAGE debt held by the above
lender on your property located at 817 Meadow Lane, Camp Hill,
PA 17011 is in default because:
1. Your loan documents state the Borrower shall keep the
improvement now existing or hereafter erected on the
Property insured against loss by fire, hazard included
within the ter.m "extended coverage" and any other
hazards, including floods or flooding, for which Lender
requires insurance.
2. Evidence of insurance has not been provided. Royal Bank
of Pennsylvania reserves its rights to utilize any
remedies available against all parties obligated under
the terms of the Subject Loan if we do not receive a
current insurance binder for 2003 listing Royal Bank of
Pennsylvania as mortgagee and/or loss payee on the
policies.
3. YOU HAVE NOT MADE MONTHLY MORTGAGE PAYMENTS for the
following months and the following amounts are now past
due:
July 1, 2005
August 1, 2005
September 1, 2005
Insurance Fee
Unapplied Balance
$ 1.,362.07
$ 1.,362.07
$ 1.,362.07
$ 1.,733.13
$(1.,003.46)
Total Amount Due
$ 4,815.88
YOU HAVE FAILED TO TAKE THE FOLLOWING ACTION (Do not use if not
applicable) :
HOW TO CURE THE DEFAULT - You may cure the default within THIRTY
(30) DAYS of the date of this notice by
. .
1.
PROVIDING A CURRENT INSURANCE BINDERS FOR
BANK AMERICA AS MORTGAGEE AND/OR LOSS
POLICIES.
2005 WITH ROYAL
PAYEE ON THE
2. BY PAYING THE TOTAL AMOUNT DUE TO THE LENDER, WHICH IS
$4,815.88, PLUS ANY MORTGAGE PAYMENTS AND ADDITIONAL
INTEREST AND LATE CHARGES WHICH BECOME DUE DURING THE
THIRTY (30) DAY PERIOD. Payments must be made either by
cashier's check, certified check or money order made
payable and sent to:
ROYAL BANK AMERICA
ATTN: Robert Naylor
401 Fair.mount Avenue
philadelphia, PA 19123-2807
Royal Bank America also accepts Western Union Quick Collect.
The code city is royalbank. The state is pa.
Please call for instructions if you wish to wire the funds.
IF YOU DO NOT CURE THE DEFAULT - If you do not cure the default
within THIRTY (30) DAYS of the date of this Notice, the lender
intends to exercise its rights to accelerate the mortgage debt.
This means that the entire outstanding balance of this debt will
be considered due immediately and you may lose the chance to pay
the mortgage in monthly installments. If full payment of the
total amount past due is not made within THIRTY (30) DAYS, the
lender also intends to instruct its attorneys to start legal
action to foreclose upon your mortgaged property.
IF THE MORTGAGE IS FORECLOSED UPON - The mortgaged property will
be sold by the Sheriff to payoff the mortgage debt. If the
lender refers your case to its attorneys, but you cure the
delinquency before the lender begins legal proceedings against
you, you will still be required to pay the reasonable attorney's
fees that were actually incurred, up to $50.00. However, if
legal proceedings are started against you, you will have to pay
all reasonable attorneys' 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 wi thin the THIRTY
.
.
(30) DAY period, you will not be required to pay attorney's
fees.
OTHER LENDER REMEDIES - The lender may also sue you personally
for the unpaid principal balance and all other sums due under
the mortgage.
RIGHT TO CURE THE DEFAULT PRIOR TO SHERIFF I S SALE - I f 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 due,
reasonable attorney's fees and costs connected with the
foreclosure sale and any other costs connected with the
Sheriff's Sale as specified in 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.
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 three months from
the date of this Notice. A notice of the actual date of the
Sheriff's Sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer
you wait. You may find out at any time exactly what the
required payment or action will be by contacting the lender.
HOW TO CONTACT THE LENDER:
Name of Lender:
Address:
Phone Number:
Fax Number:
Contact Person:
ROYAL BANK AMERICA
401 Fairmount Avenue
Philadelphia, PA 19123-2807
(215) 922-4400 ext. 2
(215) 627-1661
Robert Naylor
EFFECT OF SHERIFF'S SALE - You should realize that a Sheriff's
sale will end your ownership of the mortgaged property and your
right to occupy it. If you continue to live in the property
after the Sheriff's Sale, a lawsuit to remove you and your
furnishings and other belongings could be started by the lender
at any time.
.. .
ASSUMPTION OF MORTGAGE - You MAY NOT sell or transfer your home
to a buyer or transferee who will assume the mortgage debt.
YOU MAY ALSO HAVE THE RIGHT:
o 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.
o TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON
YOUR BEHALF.
o TO HAVE THE MORTGAGE RESTORED TO THE SAME POSITION AS IF NO
DEFAULT HAD OCCURRED, IF YOU CURE THE DEFAULT.
o (HOWEVER, YOU DO NOT HAVE THIS RIGHT TO CURE YOUR DEFAULT
MORE THAN THREE TIMES IN ANY CALENDAR YEAR.)
o TO ASSERT THE NONEXISTENCE OF A DEFAULT IN ANY FORECLOSURE
PROCEEDING OR ANY OTHER LAWSUIT INSTITUTED UNDER THE MORTGAGE
DOCUMENTS.
o TO ASSERT ANY OTHER DEFENSE YOU BELIEVE YOU MAY HAVE TO
SUCH ACTION BY THE LENDER.
o TO SEEK PROTECTION UNDER THE FEDERAL BANKRUPTCY LAW.
A LIST OF CONSUMER CREDIT COUNSELING AGENCIES SERVING ALLEGHENY
COUNTY IS INCULDED WITH THIS NOTICE
Sincerely,
?---~[
Robert Naylor
Royal Bank America
Special Assets
401 Fairmount Av
Phi1a PA 19123-2807
215.922.4400 ext. 2
Fax 215.627.1661
, ..
ACT 91 CONSUMER CREDIT COUNSELING AGENCIES
ALLEGHENY COUNTY
Pennsylvania Housing Finance Agency
(Marcia Hess)
2275 Swallow Hill road, Bldg 200
Pittsburgh, PA 15220
(412) 429-2842
FAX (412) 429-2835
Credit Counselors ofPA
401 Wood Street, Suite 906
Pittsburgh, PA 15222
(412) 338-9954 or 1(800) 737-2933
FAX (412) 338-9963
Action Housing, Inc.
425 6th Avenue, Suite 950
Pittsburgh, PA 15219
(412) 391-1956 or (412)281-2102 or 1 (800) 792-2801
FAX (412)-391-4512
. ., ...
Community Action Southwest
22 West High Street
Waynesburg, PA 15370
(724) 852-2893
CCCS of Western Pennsylvania, Inc.
309 Smithfield Street
Pittsburgh, PA 15222
(412) 471-7584
Housing Opportunties
133 Seventh Street
McKeesport PA 15132
(412) 664-1906
Fax (412) 664-0873
Urban League Of Pittsburgh
Bldg. For Equal Opportunity
One Smithfield St.
Pittsburgh P A 15222-2222
(412) 227-4802
FAX (412) 261-5207
Mon-Valley Unemployed Committee
120 E. 9th Avenue
Homestead, PA 15120
(412) 462-9962
. .
CERTIFIED MAIL RECEIPT
(DomestIc Mail Only; No Insurance Coverage Provided)
. ,.
p- $
U1 Certlflf;ld Fee S2.3O
0
~ Return Receipt Fee
(Endorsement Required) .1.75
.:J Restricted Delivery Fee
.D (Endorsement Required) SG.OO
~
~ Tolal Postage & Fees $ ...65
Postage $
U1
0 Certified Fee S2.30
0
0 Return Receipt Fee Sl.75
(Endorsement RequItvd)
0 Restricted OEllivery Fee
.D (Endorsement Required) SG.OO
r'l
r'l $ ".65
Total P.C?Btage & Fees
~ A L
U1
o
'0
l"'-
Ahmad Mohmand
1lb'eei..Ajif."IiI;;,............St.l--"Mll"a"daw"tan-e-.............--..........
~':!?~.~.....__.......Camp..Hil1~...eA......llJl1L............
CIty, Stalfl. ZlP+4
U1
o t 0 Javid Mohmand
o
l"'- ll;;;;;;i"l..iiCffO.,..........St.,....Memrow.i:an-e-.........................
'!:.':!?~."::;............C/lJllP..Hil1~...P.A.....llJl1L.............
CRy, Stale, Z1P+4
To
PS Form JflOQ JUIlP 2002 5e(' Reverse for Instructions
PS Farm 18Q() 1\I\\(l2GQL See Reverse lor InslrucllO
U.S. POSTAL SERVICE
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAil, DOES
PROVIDE FOR INSURANCE-POSTMASTER
Received From:
Ro al Bank America
401 Fairmount Avenue
One piece of ordinary mail addressed to:
Ahmad Mohmand
817 Meadow Lane
Camp Hill, PA 17011
PS Form 3817, January 2001
U.S. POSTAL SERVICE
MAY BE USED FOR DOMESTIC AND INTERNATIONAL Mfl.ll DOE
PROVIDE FOR INSURANCE-POSTMASTER .
Received From:
Ro a1 Bank America
401 Fairmount Avenue
One piece of ordinary mail addressed 10:
.Tavid Mnhm::md
817 Meadow Lane
Camp Hill, FA 17011
PS Form 3817, January 2001
<~
<>
:S~
mo
""'
;::jc..c
bO
'"
"
"
~ r- ~
:0""0 :D (Il
3: -0""0'
Q-l.Or<"\:t>
CJlo,-r_""O
z. 0"1100
-I .--..1= (Il
<> - -<
'" '" '"
. GO
" en
"
~~
iJ
~
;;: ~
.
<>
:S~
mo
<>.
;::j<..o
60
'"
:p
~ F= ~
~"'-E5"UYI
o-wr"::r>
2fl';;r;8~
-I .--.I:x tIl
Q - -<
'" " '"
. GO
" m
"
()
-n
~ .-<
<;'"' .y
~ cr ~ " t)
",,"; <
..(;
'!-' ~. c.',
C' ....
,
- ,; ,
'" 0'\
CO v-, ("1
V ....
C)
.
UNRUH, TURNER, BURKE & FREES, P.C. ATTORNEYS FOR PLAINTIFF
By: JOHN K. FIORILLO, ESQUIRE
ATTORNEY J.D. No. 55658
P.O. Box 515
WESTCHESTER, PA 19381-0515
610-692-1371
ROYAL BANK AMERICA, formerly known as IN THE COURT OF COMMON PLEAS
Royal Bank of Pennsylvania
401 Fairmount Avenue CUMBERLAND COUNTY, P A
Philadelphia, P A 19123
Plaintiff : CIVIL ACTION - LAW
v.
AHMAD MOHMAND,
AND JEANNIE BO YON MOHMAND,
HUSBAND AND WIFE, AND
JA VID MOHMAND
817 Meadow Lane
Camp Hill, PA 17011
Defendants
: No. 05-610.$ CIVIL TERM
<{
PRAECIPE TO REINSTATE
TO THE PROTHONOTARY:
Kindly reinstate the Complaint in Mortgage Foreclosure in the above-captioned Civil Action
for an additional thirty days.
Respectfully submitted,
Date:
)~if 0 ('
By:
UNRUH, TURNER, B
\Jn~
n-!r-~
'--/^"
~'^
.~-~ -,
(I',"
~..,
3;:(_:
"'''''i.
$(:'..
~~:,
:2
(")
c.
""
=
=
"",
o
.....'
r:->
~
.-1
:L"
rnp
-om
-~)C")
,;!) (~.~
.'''''",
~i:' :r~
~-~~
C)
,.~,i
'J:""
~
\D
:::>
:;,:.
'2
.r:-
-'
SHERIFF "S RE-1URN - NOT FOUND
CASE NO: 2005-06108 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ROYAL BANK AMERICA
VS
MOHMAND AHMAD 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
MOHMAND AHMAD
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, MOHMAND AHMAD
817 MEADOW LANE
CAMP HILL, PA 17011
817 MEADOW LANE CAMP HILL IS VACANT.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
Postage
So answers:_
18.00
14.40
5.00
10.00
.37
47.77
. - 7..
.k>, :" c--- r C"
R. Thomas Kline
Sheriff of Cumberland County
UNRUH TURNER BURKE & FREES
12/06/2005
Sworn and subscribed to before me
this
. /J{J
I-i
day of Jec i v,kr
f' )l,'~
,d \.0'0
A~
Prothono a~y 7
SHERIFF'~ REtURN - NOT FOUND
CASE NO: 2005-06108 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ROYAL BANK AMERICA
VS
MOHMAND AHMAD 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
MOHMAND JEANNIE BO YON
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, MOHMAND JEANNIE BO YON
817 MEADOW LANE
CAMP HILL, PA 17011
817 MEADOW LANE CAMP HILL IS VACANT.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
So answers:
6.00
.00
5.00
10.00
.00
21.00
~/~ -:----77 ~?
<-- ---
R. Thomas Kline
Sheriff of Cumberland County
UNRUH TURNER BURKE & FREES
12/06/2005
Sworn and subscribed to before me
this ;L/Jh day of D~",".t,r
;,,0) ~ A.D: A
"'o,~ 1
SHERIFF'S RE?URN - NOT FOUND
CASE NO: 2005-06108 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ROYAL BANK AMERICA
VS
MOHMAND AHMAD ET AL
R. Thomas Kline ,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
lnqulry for the within named DEFENDANT
MOHMAND JAVID
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT - MORT FORE
, NOT FOUND , as to
the within named DEFENDANT
, MOHMAND JAVID
817 MEADOW LANE
CAMP HILL, PA 17011
817 MEADOW LANE CAMP HILL IS VACANT.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
6.00
.00
5.00
10.00
.00
21.00
So answers:
<
/~ -'-?./' ..
, ~(",'-~--~~~/~'- -L ~
R. Thoma~Kline
Sheriff of Cumberland
~j
County
UNRUH TURNER BURKE & FREES
12/06/2005
Sworn and subscribed to before me
this
I LjW--
day of Of (I. ,,,1,)I
n -
"DO)
A~
Ctu, . .
pr0thonotar ~
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-06108 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
ROYAL BANK AMERICA
VS
MOHMAND AHMAD ET AL
ROBERT BITNER
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
MOHMAND AHMAD the
DEFENDANT , at 1315:00 HOURS, on the 29th day of December, 2005
at 4020 LISBURN ROAD
MECHANICSBURG, PA 17055
by handing to
MARIAM MOHMAND,
ADULT IN CHARGE
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
Postage
Surcharge
So Answers:
18.00
13.44
.37
10.00
.00
41.81
.-',.,,- ,--""..,
,t'/~!::.;~ 9.-~;,.f~'
J
-,,,,,,.
-,
R. Thomas Kline
12/30/2005
UNRUH TURNER BURKE FREES
Sworn and Subscribed to before
me this
.i(;.>
II -
day of
By: . j./-' k
,/ ....-"'.:...-- --<:-
i ., a--b.<A \ l.' A
\ Deputy Sheriff
, f"flJiillr
Prot ot y
~
A.D.
.~
CASE NO: 2005-06108 P
SHERIFF'S RETURN - REGULAR
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
ROYAL BANK AMERICA
VS
MOHMAND AHMAD ET AL
ROBERT BITNER
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
was served upon
says, the within COMPLAINT - MORT FORE
MOHMAND JEANNIE BO YON
the
DEFENDANT
, at 1315:00 HOURS, on the 29th day of December _, 2005
at 4020 LISBURN ROAD
MECHANICSBURG, PA 17055
MARIAM MOHMAND
by handing to
ADULT IN CHARGE
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
6.00
.00
.00
10.00
.00
16.00
Sworn and Subscribed to before
me this
""\
11""':'-
day of
'~arY
A.D.
So Answers:
-..;;-'"
f
R. Thomas Kline
12/30/2005
UNRUH TURNER BURKE FREES
By:.. .' \~/-.-' 1\.
/ k \\ - ._-<:-f:-:--
. -to -"f ,<.,-'1- \ >.\~l.r.)
. Deputy S eriff
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-06108 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
ROYAL BANK AMERICA
VS
MOHMAND AHMAD ET AL
ROBERT BITNER
Sheriff or Deputy Sheriff of
Cumberland County, pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT - MORT FORE
was served upon
MOHMAND JAVID
the
DEFENDANT
, at 1315:00 HOURS, on the 29th day of December, 2005
at 4020 LISBURN ROAD
MECHANICSBURG, PA 17055
by handing to
MARIAM MOHMAND, MOTHER
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
So Answers:
6.00
.00
.00
10.00
.00
16.00
.""'...."/
_.~
t-
R. Thomas Kline
12/30/2005
UNRUH TURNER BURKE FREES
Sworn and Subscribed to before
r/':
day of
By: /"") \~_m 1
'" -r--~C'T \-~~~(;;;:L1-"
Deputy S eriff
me this )/~.
\~-
:.."0 . ot y
A.D.
UNRUH, TURNER, BURKE & FREES, P.c.
By: JOHN K. FIORILLO, ESQUIRE
ATTORNEY J.D. No. 55658
P.O. Box515
WESTCHESTER, PA 19381-0515
610-692-1371
ROY AL BANK AMERICA, formerly known as
Royal Bank of Pennsylvania
401 Fairmount Avenue
Philadelphia, P A 19123
Plaintiff
v.
AHMAD MOHMAND,
AND JEANNIE BO YON MOHMAND,
HUSBAND AND WIFE, AND
JA VID MOHMAND
817 Meadow Lane
Camp Hill, P A 17011
Defendants
: ATTORNEYS FOR PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
No. OS 61Q5 CIVIL TERM
0)- t,lOf
PRAECIPE TO SETTLE. DISCONTINUE AND END
TO THE PROTHONOTARY:
Kindly mark the above-captioned case as settled. discontinued and ended.
Respectfully submitted,
UNRUH, TURNER, BURKE & FREES, P.C.
Date:
.). I lip 1010
{ I
By:
J 0 . Fiorillo, Esq
ttorney for Plai tiff, oyal Bank America
P.O. Box 515
West Chester, PA 19381-0515
Attorney J.D. No. 55658
(610) 692-1371
.,
to':;
\..'
:,;-
("