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HomeMy WebLinkAbout06-4120 F:\flLES\DAT AFILE\General\Currcnt\12081.1 ,pra. lflde Revised: 7121/06 8:40AM Michael J. Collins, Esquire Attorney 1.D. No. 200427 MARTSON DEARDORFF WILLIAMS & OTTO Ten East High Street Carlisle, P A 17013 (717) 243-3341 Attorneys for Plaintiff ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06 - l.{1 u'J CIVIL TERM KATHY 1. SMITH, aIkIa KATHY 1. MILLER, Defendant PRAECIPE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please file the attached certified Order of Court in accordance with 20 Pa. C.S.A. ~786, enter judgment against Kathy 1. Smith aIkIaKathy 1. Millerin the amount of$6,000.00 plus $30.00 costs, and proceed with the execution pursuant to the Praecipe to Enter Writ of Execution and Affidavit which are being filed simultaneously with this Praecipe. MARTS ON DEARDORFF WILLIAMS & OTTO Date: July 21, 2006 BY~~ Michael 1. Collins, Esquire Ten East High Street Carlisle, P A 17013 (717) 243-3341 Attorneys for Judgment Creditor , j iJ.."r i . :,:.'..CErVED rn THE COURT oJ~~;~~:J CUMBERLAND COUNTY, PENNSYLVANIA , IN RE: ESTATE OF DONALD H. SCHWARTZ No. 21-05-0402 ORPHAN'S COURT DIVISION ORDER OF COURT :J'"...e.. day ~006, upon consideration of the Petition for Removal of Administratrix Pursuant to 20 Pa.C.S.A. ~3182, the Rule issued on May 10,2006 is hereby made ANDNOW,onthis 1. ~ absolute and said Petition is GRANTED, Kathy 1. Smith is hereby removed as Administratrix of the estate of Donald H. Schwartz, she may not collect commission from the estate, andjudgment is hereby entered for the estate of Donald H. Schwartz and against Kathy 1. Smith in the amount of six thousand dollars ($6,000.00) plus interest to be calculated from the datethe withdrawals were made, plus the costs for bringing the instant Petition. 1. A TRUE copy FROM RECORD In Testimony wherol, I her.fo set my hand and t~ sea 01 said court at CarlISle, PA ~~ Clefk 01 the na Court Cu/llb4l and CoIIIIIY . . v'........,;'} ....., = "'" "" S: ~ o So -22 ~Q '"'I'!: :-0 >.:.:: ?~ ',C:' - r-' ".:i==i I rv " 3 i':! Ul N :r !J :rJ - ,-n " C') _:T.:J - .-", --;-f1 ,0 -;';~ '-i-1 . .;.:-) ,- .-n .,~, ~~ .~: - . . . In Re: DONALD H. SCHWARTZ ORPHANS' COURT DIVISION COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYL VANIA NO. 21-05-0402 CERTIFICATE OF SERVICE OF ORDER ORDER DATE: 06-02-06 JUDGE'S INITIALS: MLE TIME STAMP DATE: 06-02-06 IN RE: ORDER OF COURT '"''''''''''''''''''''''''''''''''''''''''''''''''''''''''''"""""""""""""",."""".,..,.,.,.,,,...,..,,,,,, SERVICE TO: CC MICHAEL COLLINS. ESO CC KATHY SMITH METHOD OF MAILING: ENVELOPES PROVIDED BY: o PETITIONER D JUDGE D CLERK OF ORPHANS COURT o USPS DRRR D HAND DELIVERED D OTHER_ MAILED: 06-02-06 '""",,,,,,,,.......,,...,..,,...,......,,,,,,,........,,.,..""""""",,,,,.,,,,,,,,,.,,,....,...,,,,,..,.,,,,.,.,.., SERVICE TO: METHOD OF MAILING: ENVELOPES PROVIDED BY: D PETmONER D JUDGE D CLERK OF ORPHANS COURT D USPS DRRR D HAND DELIVERED D OTHER_ MAILED: Q ~cx fi" (1~ r~~f Orphans' Court . '" F:\FlLES\DA T AFJLE\General\Current\12081.I.rulwsoLute Cmtcd: 5131106 JI:59AM aeviKd: 5fl1106 0:01PM IN RE: ESTATE OF DONALD H. SCHWARTZ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA -, C:~.J -", ,-.', No. 21-05-0402 -j ORPHAN'S COURT DIVISION PETITION TO MAKE RULE ABSOLUTE 1.....) (,,) AND NOW comes Judy M. Wood, by and through her attorneys, MartsonDeardorffW1TIiams & Otto, and hereby requests that this Court make absolute the rule it issued on May 10,2006, regarding Judy M. Wood's Petition for Removal of Administratrix Pursuant to 20 Pa.C.S.A. ~ 3182 and in support thereof avers as follows: 1. On May 4, 2006, Judy M. W oodfiled aPetition for Removal of Administratrix Pursuant to 20 Pa.C.S.A. ~ 3182. 2. On May 10,2006, this Court issued a Rule to Show Cause requiring Respondent Kathy 1. Smith to answer the Petition for Removal of Administratrix by May 30, 2006. 3. To date, Respondent Kathy 1. Smith has not answered the Petition for Removal of Administratrix. 4. Thus, pursuant to Pa.R.C.P. 206.7(a) and the Order of Court issued on May 10,2006, all averments of fact in the Petition for Removal of Administratrix should be deemed admitted and the court should grant Petitioner's instant motion. WHEREFORE, Petitioner requests that this Court issue an order making absolute the rule it issued on May 10, 2006, and grant Judy M. Wood's Petition for Removal of Administratrix Pursuant to 20 Pa.C.S.A. ~ 3182, removing Kathy 1. Smith as Administrator of the Estate of Donald H. Schwartz, specifying that Kathy 1. Smith may not collect commission against the Estate, that the Estate be awarded judgment in its favor against Kathy 1. Smith in the amount of Six Thousand Dollars ($6,000.00), plus . .~ ::. .~, ..,-) " , ,'I :::'7 ....~} (--) -'j"l .,'1 . ,.--.1 ,.-1 (JJ . . .. '. .. . interest to be calculated from the date the withdrawals were made, plus the costs of bringing this Petition, and whatever other relief this Court deems appropriate. Respectfully Submitted, MARTS ON DEARDORFF WILLIAMS & OTTO I~~,f~ PA Attorney J.D. No. 27763 Michael J. Collins, Esquire PA Attorney J.D. No. 200427 10 East High Street Carlisle, P A 17013 (717) 243-3341 Attorneysfor Petitioner Date: May 31, 2006 . . : '. . . CERTIFICATE OF SERVICE I, Mary M. Price, an authorized agent of Marts on Deardorff Williams & Otto, hereby certify that a copy of the foregoing Petition for Make the Rule Absolute was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows: Kathy 1. Smith 40 West Baltimore Street Carlisle, Pennsylvania 17013 Co-Administratrix MARTSON DEARDORFF WILLIAMS & OTTO By ~ ~(k;, Mary . Price Ten East High Street Carlisle, PA 17013 (717) 243-3341 Dated: May 31, 2006 ~~? ~~ ~~ \,).., -.. ~. 0\ '-!' ) 'Q f ~ ~ i'l r:~':-~ ~~ ,.,.,- , , c-J WRIT OF EXECUTION and/or A TT ACHMENT COMMONWEALTH OF PENNSYL VANIA) COUNTY OF CUMBERLAND) NO 06-4120 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due ESTATE OF DONALD H SCHWARTZ Plaintiff (0) From KATHY L. SMITH A/KIA KATHY L. MILLER, 40 W. BALTIMORE ST., CRLISLE PA 17013 (I) You are directed to levy upon the property of the defendant (o)and to sell REAL ESTATE LOCATED AT 40 W. BALTIMORE ST., CARISLE PA 17013 (TAX PARCEL NO. 04-22- 0483-069)(SEE LEGAL DESCRIPTION) . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is el\ioined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant( s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $6,000.00 Interest FROM 7/18/06 @ $.99 PER DAY Ally's Comm % Ally Paid $82.00 Plaintiff Paid Date: JULY 20, 2006 L.L. $.50 Due Prothy $1.00 Other Costs $30.00 fm~ (Seal) Prothonotary By: Deputy REQUESTING PARTY: Name MICHAEL J. COLLINS, ESQ. Address: TEN E. IDGH ST. CARLISLE PA 17013 Attorney for: PLAINTIFF Telephone: (717) 243-3341 Supreme Court ill No. 200427 F:\FILES\DA T AFlLEIGeneral\CurrentI12081.I.pra_exe/tde Revised: 7120/06 2:55PM 0, Michael 1. Collins, Esquire Attorney I.D. No. 200427 MARTS ON DEARDORFF WILLIAMS & OTTO Ten East High Street Carlisle, PA 17013 (717) 243-3341 Attorneys for Plaintiff ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06 - L{(2...6 CIVIL TERM KATHY 1. SMITH, aIkIa KATHY 1. MILLER, Defendant PRAECIPE FOR WRIT OF EXECUTION TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please issue writ of execution in the above matter, (1) directed to the Sheriff of Cumberland County; (2) against Kathy 1. Smith, a.k.a. Kathy 1. Miller, Judgment Debtor; and (3) enter this writ in the judgment index against Judgment Debtor; and (4) execute against all real property in Cumberland County owned by Judgment Debtor or in which Judgment Debtor holds an interest, including, but not limited to, all real property (legal description attached hereto) as set forth below: 40 West Baltimore Street, Carlisle, Pennsylvania (tax parcel number 04-22-0483- 069). See Exhibit A; and (5) Principal Balance, $ 6.030.00 Plus interest from July 18, 2006, $ at the rate of $.99 per day Plus Costs: $ . Total Balance owed to Plaintiff: $ (6) Please attach Affidavit Pursuant to Rule 3129.1 that Judgment Creditor prepared and is being filed simultaneously with this Praecipe to the writ of execution to the sheriff. , , Direct the Cumberland County Sherifi'to execute upon the real property tha1 is owned by the above Defendant. Additionally, please also direct the Cumberland County Sheriff to serve the certified Order of Court entered at No. 21-05-0402, Orphans Court Division, Praecipe filed simultaneously with this Writ of Execution and cover letter upon the Defendant. * To be determined by the Sheriff of Cumberland County. Date: July ZO , 2006 MARTSON DEARDORFF WILLIAMS & OTTO By 1VLLi ~ Michael J. Collins, Esquire Ten East High Street Carlisle, P A 17013 (717) 243-3341 Attorneys for Judgment Creditor L~ :=! ,., o ( ,,~ :::;: , . " EXHIBIT A .. ..~.~ ;} ~~'+.J ;'f Parcel No.: 04-22-0483-069 THIS DEED MADE THE 23'" day ofScpmnber inlhc)'eM or our Lord lIl1llthClUSlllClnillClnaldnld ninety-nino (1999). BETWEIlN, CUMBEIUAND VALLEY HABITAT FOR HUMANITY.INC-, . Penn.oylvBllia lIOn-proftl Corponnioo, __ ..roned 10 as: 0........ and ILl. THY 1. Mn.LER, sinslo woman, nr 40 W. Baltimcnn Strnct, Carlbl.. C1lIIIberIan4 CoW\ty. Pcnnsylvaoin, herninaftu ..rnmd 10 as: 0....... W1TNESSETIl, that in considenItion of FORTY SIlVENrnoUSAND E1OHI'HIJNDREI) ElOHTY AND XX/loo ($47.880.00) Dolloto in IwId paid, Ihc roccipl _r is hernby ICtnowlnd&<>d. tho saki Onlntor doea hernby putllld """""" to Ihc said GllIIlIeo, b<t hniIs and anlgns: AIL TIlAT CERTAIN lot orarouodsituate inlhcThird Wardoflhc lloroullh of Carlisle, Cwnberland CoW\ty, Pcnnsylvaoin, hounded and doscnbed IS follows: llEGINNJNO at. nail on Ihc soulhmt ri8ht-of-way Ii.. ofWcst Baltimore Street.. Ihc OOI'II<<Of_llOW or l'ormorIy ofEmest L. HarcIor; _ aI""lJ Ihc latter, South 13 depos42 _08_ W..... di_of 120.00 feet to.. iron pin 00 tl1e nortbem side of. 10.00 foct wide alley; _ .IonS Ihc latter, North 76 ...... 17 mi..... 52 _W.... .dilllncoof32.50 reet to.. iron pin 0lltl1e linoofLolNo.201l1hc__pIonofLota;_aJonstl1eIatter, NorIh 13 cloaJea 42 m",-08 _EUI. .cIi_ofl20.00 foot 10 an iron pin OIl tl1e _ right-of-way Ii.. of W... Ileltimoto SIroct; _ alq Ihc latter, South 76...... 17 mi..... 52 sec:ondsllut,. diJtaDceof32.50 foot to. nail. the PLACE OF BEOINNJNO. CONTAlNINO 3.900.00 "'.... feotand lleilll_hecl.,,,,,.dilllto .(mal minor subclivisiOll pion for Comhcrland Valley IIahi1at for Hwnanity, /J1o., by !.any V. Ncidlinp. P.L.S., dated Joly IS, 1996, _ in tho Cumberland County ReoorderofDeedsOlllc:o io Plan Boot 7J,Pap 5,and beillldaillllBlodthereon.. Lot No. I. lea, 208 fl[[ 20S , ...... _.~, ,..~.,. BEING pill of the promises which Vinccnzo Mazzamuto and Geruda Mazzamulo, hi. wife, by their deed _ ScpIomber 9, 1\196. and reconIod in the Office of the RecorderofDeeds in and forCumberland Couoly. Peoosylvanis, inDeedBook 14', Paso 836, pIIIledand conveyed unto CumberlandVo1IeyHsbi1olfiJrHumanity,lnc.. Grantor herein. SUBJECf, HOWEVER, 10 such _IS, restrictiOllS and conditions that may apply to the aro..-nbed ..... ofland, reconIod or 1IlltOCOtl!ed. AND the said Grantor hmby cove..nts and _ that it will wamntspociallythe proporty hcroby conveyed. IN WITNESS WHEREOF. said O.....r has caused its duly aud10rized officers to set their bonds and aftix its sealherolo the day and you fin! sbove written. A TIEST: ~f1t4t,{ Cet"~ COMMONWEALTH OF PENNSYLVANIA J J:ss. COUNTY OF CUMBERLAND J On thi>, the 2)" day of September, 1999. before me the U11derJisaod olr_, pmonaIly appeared f!dward P. Belch~r ..molldmowledaodt1wthelsheisthe Pn>.sldtn 1= of CUmberland Volley Habitat for HumlOity, I.... aPennsylvonia non-proliteorporation, and t1wt heilheas such Pr.......'.rl.>M beillllaulhorizod so to do, executed the f'orqoina i_1br the purposes therein comained. IN WITNESS WHEREOF I h...unto set my bond and ofTlCiol _I the day and yoar aforesaid ffiuYl't.f:/h--.J (SEAL) --- .......I....c...., ...,.., -=~:t.=_..- ... ,...,......,......01...... aoo! 208 PACE 210 , I hemby certifY that Ibe precise _1IId complete poll office oddn:ss oflho within ozan"'iS:40WestBaltimoms_~Carlille.PA~ ~ Attorney for 0...... , COMMONWEALTIlOFPl!NNSYLVANlA ) l:ss. COUNTY OF CUMBE1U.AND 1 RECORDED on this .;;t3 dayof~,t A.D.I999,inlbeR_somceofthe said County in Deed Booka R ,PaSO;;(o 11- Oi_ under my hand IIId Ibe seal oflbe said office, Iho date above written. _f4,ilU7'" ~ ~ Recorder ~,:",::,,~~ 0: ~:g~ .,. _1411- "'"I ,,:.I4l~ .~'! ':"::;j :::: '. J<.,t:,) . "C. <> ..,. ". " ~ cr: .~:' ,::.;" ~ (") ;;/!s~ C\,I 2;'.~'.;; ~ ';:.:.=:z ~ -~ ~~Iil~gl~;;~~m [:::Slg!i ~I.=~ llS-!!!l $!S i Ii ;;l ';"-'-"""-$~ ",..,' ,.~". \ ;~\\ it~;"1;::.:'" ,H '::-'.';;~- ",-:"~"f":~ ".-i;,~}N,,;" ~'~~~~:i;~~::: U_S__=!3ll1a = :.i!lillllllillili!lk:clllllll I ~ . I ~~ ; I I' ; ~ i el :II to II !l. J BOOK 208 /ICf 211 - ij jg 10lW.2dMd.1 , .'.'.-.!"". ,.- ~ .,' '. ~ VERIFICA nON The foregoing Praecipe for Writ of Execution and Affidavit are based upon information which has been gathered by my counsel in the preparation of the lawsuit. The language of the document is that of counsel and not my own. I have read the documents and to the extent that they are based upon information which I have given to my counsel, they are true and correct to the best of my knowledge, information and belief. To the extent that the content of the documents is that of counsel, I have relied upon counsel in making this verification. This statement and verification are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities, which provides that if I make knowingly false averments, I may be subject to criminal penalties. ~ " :':::! ,-j", t~ f-. , C., ~<? d _'_I - . - c' - .- - " 0<:,\ ...1 ~-~ ~--, a~ U"\ - ~ ~ ~ 0'\ . -. . - ~ . '~ b ~ <?i ~ D. ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06 - q{ 2- J CIVIL TERM KATHY 1. SMITH, aIkIa KATHY 1. MILLER, Defendant AFFIDA VIr PURSUANT TO RULE 3129.1 AND NOW, comes Judy M. Wood, Judgment Creditor, by and through her attorneys, MARTSON DEARDORFF WILLIAMS & OTTO, and sets forth as of the date of the praecipe for the writ of execution was filed the following information concerning the real property located at: 40 West Baltimore Street, Carlisle, Pennsylvania (tax parcel nUQlber 04-22-0483-069). This affidavit is filed pursuant to Pennsylvania Rule of Civil Procedure 3129.1, and follows the Praecipe for Writ of Execution filed by Judgment Creditor on July 20, 2006, in the above captioned matter. Judgment Creditor avers as follows: I. Name and address of owner(s) or reputed owner(s): Kathy L. Smith 40 West Baltimore Street, Carlisle, Pennsylvania a.k.a. Kathy L. Miller 2. Name and address of judgment debtor(s) in the judgment: Kathy L. Smith a.k.a. Kathy L. Miller 3. Name and address of every lien and mortgage holder on 40 West Baltimore Street, Carlisle, 40 West Baltimore Street, Carlisle, Pennsylvania Pennsylvania (tax parcel number 04-22-0483-069), in order of priority: Cumberland Valley Habitat for Humanity, Inc. 26 West High Street P.O. Box 147 Carlisle, Pennsylvania 17013 Mortgage, Attached as Exhibit "A" Cumberland Valley Habitat for Humanity, Inc. 26 West High Street P.O. Box 147 Carlisle, Pennsylvania 17013 Deferred Loan Agreement, Attached as Exhibit "B" . . . \ 4. Name and address of other creditors of Judgment Debtor: American General Financial Services 6 S. Hanover Street Carlisle, PA 17013 District Justice Judgment of $5,873.08 entered on 9120/04, Attach,d as Exhibit "c" 5. Plaintiffhas no knowledge ofthe existence of any other person who has any interest in the real property mentioned in this affidavit. MARTS ON DEARDORFF WILLIAMS & OTTO ~ t )()/ By: . (y!/. / \00 Michael J. Collins, Esqu re Sworn to and subscrib~d before me this IJAJIh day of -clu.ly ~)Vt a~ Not Public ,2006. c NWEA TH OF PENNSYLVANIA Notana' Sea' C.~!1.BoM, Price, NolaI}' Public ,.... ro, Cumbertand County My Commission Expires Aug. 18,2007 Member, Pennsylvania Association of Notaries EXHIBIT A \ ~".6" )5')., 't'f ,11 -. ,- ",Ul, 1.1I 0:- ... U.l t- ;.w:z: ';1 u::::o ~_~ l.I.. C I': CJ u. ~ r>: ~~ ,.~ ~:ct r:Jl:.I::~ ~8lU c;.L:.lm a:'" '" <., \ MORTGAGE nn8MORTOAOB("SocurItylnllnlment.)isaiwn...s......ub..23, 1999. The......... IslCA1lIY 1. MILLBR, wIwM........ is 40 WOII Baltimore S-. c.rtisle, CumborllDd County, PonnsyIvuUI 17013 ("IIcInIIwa"). 'Ibis SecurIty IDItrument is ai- toCUMllBRl..AND VAlJ.JlY HABITAT FORHIlMAN\TY, INC., I PennIY-1lllI>pIO!i1 COI)lOIIlion wilhlllli1itll.-of P.O. Box 147, c.rtisle, CumbalIlIdCounty,PaMy_("Lander"). __ Lenderlhe prillcipol ..... of FORTY SBVBN nroUSAND mOlrr HUNDRED mollTY AND XX /100 DoII1n (U.s. S47,IIO.oo~ This debt I, _ by Ilom>wm'Inole _ tbo .... cillo u this SecurIty 1_ ("Nato"). wbicb pnwidos lbr _y JIIYII*D, with tbo IIIU dobt, if not paid oorIlor,duoudpoyobloOllN_I,2024. ThilSecurlty_l_toLondor. (I) lhe -' of tho debt 0Yi__ by tbo Nolo, udlll ftlMMb, _1011' ud modi__ (b) lhe poymonI of III otbor......1dYInoed under............ 7 to P'O*I tbo -.rity of this SecurIty msu-t; ud (e) tile perf......... ofllom>wm'l.-llId........... under this Seourity J_....tho -. Fortbis-.__henbymon-. anntudcon>Oyto Londor tho followillldacribod pn>porl)' 10CI1ed io Cumborllad County, PaIIlIyIYlllil: ALL THAT CERTAIN 101 of .....,.I.i_ 10 lhe ThiId W.... oflhe I!orouIb of c.rtill.. CuIIIberIud County, PaIIlIyIVlllil, boundod ud __ u followl: BBGINN1NO IlII11i1 011 tbolOlllhomriabl-of-way liIIll ofWOII Baltimore S~ II tho comer ofllods .- or _y of_ L.IIInIor; _11011I tho _, South 13 010_ 42 mi_ 08 ...... W.... I cIisIIDco of 120.00 feot to 111 iron pin 01\ tbo IIOrthonuido ofIIO.OO footwido IIioy; _aJoostho _, North 76 .....17_ 52 _ Wost, l_of32.50 foot to an Inm pin 01\ the ~1i1lO ofLol No. 2 on tbo IllniDIllor __ plan of Loll; -1Ioos tho Iiilei', ....Nonh 13 ..... 42 """- 08 _ But, I cIisIIDco of 120.00 foot to an iron ....pin 01\ tho IIlUIbom rtsbH>f-_11oe ofWOII Baltimon Stnot; _11011I tbo ~_, _ 76....... 17 _ 52 ...... But. I cIisIIDco of32.50 feot to I .., nai.~ tho PLACE OF BBOINNINO. '" e:; CONTAOONG 3,900.00 Ill..... foot IIIdboioSdacrlbod_lllto I final minor V> lI1IhdiviIion plan lbr C.-.nd VIlIey lllhillllbr !lumIIIity,Inc., by Lony V. ~ NoidIi_, P.L.S., _ July 15, 1996, .-dod 10 the. Cumhorlllld County . a-der ofDoodsomco io Plan Book 73, Pqe 5, ud beinJdelipaled _ u Lot No. I. .1001I1572,. 15 TOOE1llER WIn! all the im_t.o oowor __011 the property,andall .........., riIbtI..--..-. royaIIieI,miaonl,alIoad..rialIIIond)llllll1l, !"IIIrrisht.o and _ andall_ oow or_. portolthe pnlpIIty. All..... ,_ ondldcli~OIII JhalI..... bo _ by1hit Security __ All of the lixqoinc iI..-to in lhiI Security _ II the "PnlporIy.' BORROWER COVENANTS thII_is l.wIWly ooizodolthe_hlnbylXlllWYa! .nd has the rillhtto.......... .....ond......,.the!'r-'Yand thII the "'-'Y iI-. oxoopt lbr............ ol_ Ilenower-.-and will cIolODd _lIy the IIOeto the I'Ioporty opillll all cIaimI and -. oubj...to &II)' _...... olreconl. Boml_ and Lender........ and _ II follows: 1. raym.t ol PrbIdpaI;"""'- aM Late CIuupa. _ _ JllUIIIpt1y pay when due the prinoipaI olthe debt _ by the NoW and &11)'........... due under the N.... 1. F1I....l'orT._...._........ Subjccttolpplioablelaworto._wai..,by Lender, Ilenower JhalI pay to LenderOll the dayll10lllbly paymentu.. dueundertheNolr, until the Noleilpaidinfidl,.._("Funda')~to_llIIot. C.),..rIy_ond. _which may allaiD priority.....1hit Security IIEuIeant; and (b),.rIy __ premi..... on- ileml.... ...Ind "__. LendermayOlli_theFllndaclue...theluisof__and reaIOIIIble atimales off\dure _ item_ The Funds JhalI bo hold in on instillllion the cIepooit.I or -. of which Ire inswed or guannteed by . f'adenI or _ _. Londer sball oppIy the Funds to pay the _ i...... Lender may 110I cIwp for IlaIdin8 and oppIyina the Funds, IIIIIyzina the....,.., or..nfYiol the escrow i_OIl'" Lender_ __... the Funds and "PF""""'-lawpenuillLender to make 11ICh. charao. _ and Lender may _ in wrilinI tbat i_sball bo poid 011 the F...... UDI..III...... il..... oroppliclhle Iawrequires i_to bepoid, Lender sball not be requited to pay _&II)' _oreonriap OIl the Funds. Lender_ livelD_, witboul cIwp, III ...... oocountitta orthe Funds showitqJ credillllld debill ID the FUIIdI ond the JlWllOIO ror_...h _tID the Funds was made. The Funds.... p1edaal II Idclillonsl security for the..... _ by this Security Instrument. If the IIIIO\IIII of the Funds hold by Lender. toFther with the f\dure ....thIy payments of Funds payoble prior ID the due _ of the escrow i_ sballOll<>OOd the....... requited ID pay the .....w itemI when due, the ...... sball be, a111onowoJ's option, either JllUIIIpt1y repaid to Borrower or credited to _ on monthly payments of Funds. If the amount orthe Funds held by Lender is not sufficient to pay the escrow items when due. Borrower shall ply to Lender any amount ncceuary to make up the deficiency in ono or more payments as raquircd by Lender. 10011572,.. 16 Upon poymenl in MI .hllllllll1llCCllllld by Ibis Security Instnuncnt, Lendershlll promplIy rel\Jnd to Bono-Ill)' P..... hold by Lender. lfunderJllflllllPb 19 !be Propertyiuoldoracquired by Lender, Londer...1I apply, IM)'" than ,...........ly prior to tho.1o .ftho Pnlperty or its ....uiJition by Leodcr,Ill)' Puods hold by Londer II tho time of lJIIIIication IS 0 creclit opinsl tho 1IlIII1I_ by this Security InsInonenl. 3, AppUcalllll or...,..... Unlea lJllllieablolowproYid.. othorwite. all poym.... .-iYOd by Lender undor,,-- 1 and 2 JlWI bo lJlllliod: fin!, to 1IIe cIw80t duo under tho Nolo; -. to _Jayablo _ ponppb 2; and I.... to prinoipal duo. 4. CIIorpa; L1oIII. _ ,ball pay all ...... _. cbarps, Ii... and impoaitlcmslllri_bloto tho Pnlpertywblob IIIIIl' alliin priority__tbia Security /naInImonl,and 1_ poymenlS or ......., ...... if any. _ JlWI pay theMobIiplioos in tho re....' provided in JIIfIIIIIPb 2. or iflllll poid in lhII_,_..... pay them OIl time directly to tho penon .""" JlOl'IIIOIII. _JlWI JlRIIIlPllyfilmillbto Londerall_of_ tobo poid undor this pmanpb. If_....... theM ..,- dinlcI1y. -..... JlRllIIptIy fumiah to Londer reooipts evidonoioi tho~. __....11 promptly cIiIcbuae Ill)' lien wbIcb bas priarityove'lbis SecurIty I.-...nt unI_ _ (0) _in wrid"110 tho __ .ftho obIiption _ by tho lien in 0 _. c '1'I""I.to~ (1)) _inlJllClCllillb lbe 1i000by,ordofandaapinatOllfilnlement of the lien in.lepI prnceecli.... wbIob inlbe Leaden opinion __to pmonltbo.atll.:con....or tho lien or fort'1omn of Ill)' part of tho Pmperty; or (cj ...... _ tho bolder of tho lien an ~ satiJtllctory to Lender IUbonlinIIln& lbe lien to tbia Security _ If Londer determi... lhIIlll)' part of lbe Pnlperty iI subject to 0 lien wbIcb IIIIIl' _ priority over tbil Security InsInonenl. Londermay "..._ 0 _ identifYlnltho lion. _obaIllIIialjI tho lien or lake... or _ oClbe _... forth above _10 claya oflbe "villi ofnolice. .....w.. _llOlpendto _ _......dIe U. DlUJ........_f1......to b. placed aplaat die property .....1Ive _ _ tho date .rib. Note. 5. _'-NUL _ahalllooeplbeiu...._..._exisllnaorhoreaflor ........ on tho Pnlperty ...... ...... !au by m.. ba:oada iocIuded _ tho limn .oxteIlded .......... and lilY _ ba:oada for wbIcb Leodcr nqui... i-. This........ ahaII bo maintained inlbellllO_ud forthoperiads tbaI Lendernqoireo. Tho __pmvicIins tho ioauranco JlWI bo .- by _ subject to Lcndel's approYII wbich obaIl nol bo -.onabIy withhold. All ins...... poIiclel ud ........ JlWI be accepllIbIe to Lender and obaIl include 0 IIIIIIdatcI ollorIpp clause. LenderobaJl..... tho riJbt to hold the po\icieI ud renewals. If Lender requires._.....pnnnpdY "...toLeodcrall.-iptsofpoidpremhllllSud__ In lbe.... of..... _1IbaII aive pmmpt_tolbe lnsuranoe carrier and Lender. Londer may maIte poof ofl..lflllll made promptly by_. BOod572.. 17 Un10u Leodor IIlliBorrower_....... in wrilin& inouraDce ,,-""'1 bupplied to ratollliOll or lOpIirofthe Prvporty damqod, if the -.n0ll orlOplir isOOOllOlllically fouible IIlli Leudor'. -.y is not -.eel If the _ or IOpIir i. DOl _c.lly _Ie or Loadol'I....uy_bo -. thei_..-lIIo1lboopplied IDthe...._ by IhilSeeurily~_orDOl_d"'_""I_poidIDBorrower. If Borrower .- the PnIperty. or does DOl_wllbin30 doyI........_ Loaderl!lot the i_ CIrri.. "'_ID 1IOllI..cloim, -~1IIIll' _tboinluruceJll'Ollllllls. Leodor...y _the..-ID lOpIiror.-. the Properly orlD JIll' __ bylbi. Security Inolrumont, whether or DOltbcD due. The 30.d0y period will boiin wilen the _ is Biven. UnIea Leodor IIlli Borrower otherwiIe ..... in wri..... Illy appliCllion of proceeds to priocipol ....11 DOl _ or pllIlpOIIIl tbo due dote of tbo OIClIItIIly ~ _ to in ........ IIIlli 2 or..... tbo _ of the JIIl'D*l1I. If_ --"" 19 the Property is -""<!byLeodor. Bu.."""" riPtIDIIIY_poIiclalllli..-......-...... to the Prvporty prior ID tbo ooqailition _ _lD Leodorto the_of the __ by Ibi. Security _ immediololy prior to the ooqaililioa. 6. r_ ._ lid _...._ of Pnopony; u.. u PriDcipoI 11M"'..... Ilorrowor IboJI DOl doIlroy. domop or IUbotontiolly c:I1onp tho PnIperty. allow tho Properly to _..... or _. -. Borrower 11Io11 _ tho Propor\y .. all _ II , principal residencuod IhaII DOlIaao tboProperlyor lIlY portiOllofthe PnIperty IDIIIY pencm. 7. _.fLead..., JU&llto" the rropert)'l Mortpp 1__ IfBorrower fliil to perform the _1Illi __ COIIlainad in lbiI Security InItrument, or !bore is. 1...1..-m.1IIIt IIIIll' Jiani~ olfectLendll's ri..... in tboPnlperty(aucb II 'pnl<lllOlIins in bel.........,. ~ ror..-- orto_ .....or..........), then Leodorllllll'dolllli JIll' ror_ia-rto..- theval.. of tho PnlpertyIllliLendll's ri", inthoPropcrty. Lender's actioos IIIIll' i..lude JIIYioIIIIY IWIIIIllOlIl'Od by ,H.. wbicII... priority..... tbia Security 1_ ~ in court, JllYiIlll _IIIomeya' fees IIlli enterillll OIl.bo Proporty to mak. -"... A1lhqueb Leodor IIIIll' toke aclion undertbia _ph 7. Lender does not have to do ... Any ODIO"" dilbanod by Lender _lbiI ~ 7 shall become oddiliona1 debt of 1lom:J__bythi. SecurityInstrumont. U...._oodLoader.....toother..lDIIof poymeot, __shall be-"Io upon__ LondartoBorrowerroq.."poymeot, 8. loIpecIio.. Lendororits.....1IIIll' make __ uponlllli inspoctionsof the PnIperty. Leader sballBi" _notice IIlhetime of orpriorto an inspeelion .pecifYing reasonable cause for the inspection. 9. Coad_.,tln. The proceeds of Illy ,ward or claim for cIamqes, diroct or consequentiol, in COllIUlCtioa with any condomaIIiOll or other tsldllll of any part of the Proporty, or for conveyonce in Ii.. of coademnalion, are hereby ...ipod IIlli shall he paid to Lender. '800l1572rl;( 18 In .he _ .f. _1 tIkin. .r the Ptoperty. the pnx:codI aha11 be .pplied to the SUIllJ _ by this Security laIInunonl, _or 1Illl_ due, with any _ pai4 to Borro_. In tho......f. patliaIlIIdna .ftho "-'Y. __11011_ othorwiJo_ in wri.... tho ..... _ by dIis Socurity __ aha11 be roduoed by tho -= .ftho __ multiplieclbythofollowiDa_ (.) thomal_oftho....._immodiIleIybef... tho tIIIin& dividotl by (b) tho fOir __ vol.. of tho "-'Y immediItoIy before the tai:i.... Any bel_ aha11 be paid to_. Jr!be Pn>pony is abandonocI by _. or i~ allernotico by l.eIllIcrto _ tbeI the ...-,.. _ to _ 1ft awonI or 1llIlI.. claim tor.--. _ Ail. to IOIpOIlll to LcnlIarwithin 30 cIaya allertho_ tho IIlllille is si....1Aador islUlbori2iocl to_lIllIoppIythe pnlCOCICIo, It ita opdon, either to ~ orJOpoir .ftho "-'Y or to tho 111IIII_ by this Security '-- _ or not thelI clue. UoIea LcncIor IIllI _ 0Iherwi.. _ in writillJl. any application .f prvcoeds to principol aha11 not -.I or pcIIlpODO tho cIuo date .r tho moothIy pI)'OIOm _ to in _plIIlIllll2orcbonptho_ofIllChJllYlllOllll. 10. ..........rNol_IJl_...ByLoaderNot.W....... _of the time f.r..- or modificatioa oflllllllrlizllio .f1be ..... _ by dIis Security InI1rumont sranllllIbyLeadcrtolfty_in~of_aha1lnot__to_theliobilityof tho Drip _ or 1IonoMr'I ,. . in _ IAador Jbal111lll be I1lqUired to _ proc:oocIinp apiDIt any _ in inIenIt or_ to _ limo tor..- or otberwi..1lIOlIily _011 of the ..... _ by this Socurity J.-t by _ of any __bytheoriainal_or_~l:"'I''1in_ Any_by IAador in -.u., any riab! or.-y aha1I not be. woi... of or procIucIe the -.. of any riab! or remocIy. 11. SlI_n .... AIIIpo JIoua4J lola. .14 _ 1JabJI1ty; Co-olpon. The COY011UU 1DlI.......- .fthis Security _ aha11 bilUllllll bODo6l the_1IllI _plI ofLcnllar 1DlI_.l1IbjeottothopoYiliou ofpl1'lfp'lplll7. _llOV1lIlII1IS .......-aha1lbejoiat....-.t Any_wbo......thiaSocurity_bul _ not....... the NOIe: (.) is CCHi..... tbi, Security _ ODly lD 1IllIrIpp,.....1IllI _tbellI...u_..~inthePtoperty_tho_ofthis Socurity1-.anat;(b)iJlIlll pononaIlyobliptocl to paythe__bytbis Security_;IIllI(c)_tbelLonder ....any-_...y_to-.mocIil\>._or_any. . -....''''''with ropnI to tho .......oflbla Socurity _or the NOlO without tbeI__ 12. Lou CIlI...... If the 101ft _ bythia Socurity -.. iI.ubject to . law wbicIt .... maximum IOID ......... .... tblllaw is fiaally .........Il.d so tbeI !be IOID ....... 0011_ or to be co1locto11 in...-cion with the Icaa _ tho pormit1eellimi1l, theIl: (.J any ouch loan -.......1 be _ by the _ _to _ the -.. to the penniItecI .~Dl15?2 PIG( . 19 limit;.... (h) IIIl' l1IIIlJaIrIodyco11oclocllium Bonower_.- pennitIod limits wiD be _to_. Londermay_to_1hiI_by........1IIoprincipolOMd_ tho Nelle or by mokiDa adinlct ..,-to_. lIa _ _ prinoipal.1IIo reduction will bctreatecl II a putiall"'''''t'''5,mc:atwithoutay l"'",.....,mmltchup undertheNote. 13. J..oPIatlaoo A-"~' JUpII. If_lor expI_ ofopplicablc lawslas1lloeffectof.-mallll'pmloiOllof1lloNoleor1hilSacurityl_'. ......... _Dlto ill tInnI, Londer. at iIIopIillII.may m[IIirc v--o- payment in IIdI of all..... _ by tbiJ Soourity L.ol>..-t "'" may i.....1IIl' tOIIIOdIa ponnilIod by ~ 19. If Leador __ 1hiI optioo, LclIder obaI111b lbo IlllpI opociIIod in 1110 -.I JlIIIII1IIliI of pmpph 17. 14. Noll.... Any norice to_ pvvidod for in 1hiI Sacurity 1_ ohaIl be Biven by dcIiveriDl il or by IIlIiling it by lint aIao IIlIiI _ opplicablc law roquim _ of another method. n.enoticeobal1 bedirootod to 1IIo"-tr _ or lIIl'oIhoroddlaJ_ cIai...... by IlDlioc to Londer. ADy lIllIioo to Leador oba11 be given by 1int_1IlIi1 to LcodoJ'. _ _ _ or IIIl' olbor oddIaJ Leador"""'- by _ to 1Ionower. Jury noIioc proYidccI for in thisSacurity l_oba11 be docmcd to __ si- to1lonowerorLcodor when given u proYidccI in tbiJ puatp'IpIL 15. ~ lAw; SeYcnINIIty. 1'hi5 Security INI_ ohoIl be pcmcd by fcdcn1law....lbc law oflbc jlllildiction in wbich tho Property i. __ In tho lMIIII thot IIIl' provision or cla_ of this Security -. or 1110 _ _icls with oppIicoblc law. JUCh conOict....1I not oft'cct othcrpnlYilliol1l oftbiJ Security 1_ orlhe.- wlricllcon be given offcct without 1110 -iclins pnMoillII. T01hil end tho __ofthi. Security 1_ and lhe Note lIIC _to be lICVemble. 16. Borrower'. Copy. _ohoIl be given one COIIformed copy oflbo Note.... of this Security_ 17. T""!'Iwofl1oe.l'OJIIl'I3'or._IIa_I.....___.II..lorllll'porIof lbo Property orlll)"i_ in it II ooIdorllallllOlrod without~. priorwri.... _ Lcodor may. at ill option, requi... immodiate poymeIII io IIdI ofalll\llllS _bytbiJ Sccurity_ Ho_. tbiJ optiOll obaI1 not be exerolaed by Lender ifaacise i. prohibited by _law u of tho date ofthi. Security 1_ If Leador _lei thi. option, Leador ohoIl give 1Ionower notice of """,iemi... The notice Iha1I pnJYicIe a period ofnot leu..... 30days Ilom tho .10 tho noIioc is doli...... orllllilod within which _lIlIIIIpaylll__bytbiJSccurityI_ 1fBonower&ilsto pay theso IUDIS priorlo the expinlrioo of this poriocI, Lender may ilMllce IIIl' remedi.. pennittod by this Security IlIIInImont without Nrther noIioc or demand 011 Bonowcr. .8001I1572_ . 20 18. Bo............ IUPI 10 1Iol_te. IrBorroww _ CCI1Iin condilioIlI, Bom>wer IboII haw tho riahllo __.rthi.Seourity_OIII_lIllIytimepriorlo tho earli.. or. (a) S ~ (or ..... other poriocI u applicable law may apecllY for_) before Jalo ofthoPnlpellyJllllllWllIo Illy power of.... _oed in thilSecurity -...em; or (b) entry.r a j~ IIIIlxoinl thi. Security 1nIIrumeal. Tbooc conditicms are that _ (a) paya Londor all..... wbicb tbon WIlIIld be duo _this Security __ tho Note bad no acceleration 00CIIlI0d; (b) .....1lIy defiwll of Illy oIhor _ or _1111I; (e) _"I _ incwIod in eIIfon:inI this Seourity -.m; includilli. but notlimilod 10,""""'" .-..ya' ro.; _ (d) ..... _1CIiOn uLondormay...-,..........lol"""Othat tho lien of this Security ~ ~ ri..... in tho Pn>pOI\y _ o...v...... obIiptien 10 paylho..... _bythi.Security_lballcontinuollllCbln8ocL Upon..... 'by_,this Security 1_ .... tho obIiptionJ __ hereby IbaII _ IWly effecIi.. u ir no _bad_ _.lhiIrilhtlDrei_lboIlnotapplyintho....of_ under~ 13..17. Ig. __._...... Londorlhallp..noticoloBonowerpriorlolOllllcndion foI]owinl ilomJMl'I_ofllly_or...-ent in this SecuriIy-(but....prior 1o__JIUIII"IIbII3_ 17_oppIicobIelawprovidololhorwi..~ l..ndaub"l noIify_o(__thiDp: (a) 1hoda8w1t; (b)tho_......Ncito.....thodefiwlt; (e) _tho -"t_be concl; end (cI)that&iJ....tocun thodofiudta ~ may ......in _ion.rtholUll1l_bythisSeourityluol>_......r_byjudicial~_ .....rthoProperty. Londor.II_iofonnBom>wer.rthoriahlto___on _ tho riibl to _ in tho -... proooodiDltho noo-oxi_ of a defiwlt or Illy od1or _.r_to_ _Ihorilhtto_in tho_...."liqtho_ exm.-.radofau1tor..,-__.r_to. ,,' .1:"'__ lflho defiwlt is not curocI a apeclfied, Londor II ia option may """"'" .......u_ payIIlOtIl i. fIdl of'" ..... __ by this Security IuIIrumeoI wilbDulftlnbor domand _ may f'anlcIooe this Security Instrumoat by judioial JlI1lCOOCIinI. Londor Ihall be ODtiIIod 10, aIlor1lOyI' fees IIld COltS of tille evidence to tho _ pcnnittod by appllcobIe law. 2lI. Lender.. ~ loa Upooaccelention -JIIIOlPIIlh 19orlbaodoamontoftho Property, Londor (iII_ by -' or by judieia1ly appolmod _....) IboII be OIllitlod to Olltor _tab ~1IIl.rllld_1ho Pn>pOI\y end 10 ooIIect tho..... of tho Proporty incIudinl _ pat duo. Any_"'_ by Londorortl1o __1boI1 beappliod IlntlD~oftho ....r..........-9fIhoProportyendCXl_of...... incIudilIi.baID01limiteclto,-. r_, prOllii.... 011.......... boodo _ ..._.-..ya' rea, ood!bon IOtI1o 1tDIl. _ by lbi. Security WUumoot. 21. _ Upoopaymoot.r..'__bylhilSecurityInltrumOlll,Londor.....' disc""" thi. Security ItlIbumOlll without -"10 Bom>wer. Bonowor.haIl pay 1lIy_ costs. ~od572'" . 21 n. .....-....-1......... IlonoweI'I time to -)lRIYidod in JlIIIIIIIIlh 18_11 _ to 0110 bourpriortotho ....u...._ ofbiddiq 1l.lhorill'l OIl.or...............-to this 8ecurily InI1IumeDl %3. h_M_Mer!pp. lfonyoftbedobllOClll1lllbythis8ecurilyJ.-atis lent to BornJw.to acquin title to tho Pruperly. thi. Security '- oIWl be. JlIII"MM money morlpF. 24. "'_RlI...AflmoJ........1. Bormw._tllatthe_lIlepayableoller. judpleot i...- on the Nolo or in OIl ootion oflllCJrtplll_.......1 be the 1epI_ 15. l.rtIlorOtllpllNofB.......... _IIllILeIlderbavcenlOl'Cldinto.cer1ai. Ript of lint RotlIIII _ _ Appncillion ~ cIIled tho __ dalo u this Security 1_1IllI__tImony_ or-.plld bnol:hor.;oIation by_ of thIl.....-....1 be. cIefiwIl _thisSccurity __....I..till. LeIlderto_ .11 ofilarigbtl_this Security ,_ includi.,__ BY S1ON1NOBBLOW,_ICCeplI__tothe_ond_c:ontained in Ibis 8ecurily J-.....l _~3: ~~.Y1lJJl.u., KatbyI.Mi (Seal) COMMONWEALTIi Of PENNSYLVANIA ) , ): A. COUNTY Of CUMBIlRLAND ) On lhi.. the 23" clay of SepIonIber, 1999. befuro me, the undeniped ofticer. penonaIly ~KATHYI. MlLLER,kRown to me (crA""""""iIy_) to be the __..... is _ to the within i_ ond _w.1edpI that ohe ......... the .... for the _ thcnrin contained. IN WITNESS WHEREOf,' hereunto ";Jh hood ond off'o:iaI...1. 'aMtJ 'f f1fh... ? .8OOIl15?2rait: , 22 ""'-' -.......-. -_.. .-- ---- ',~;',~...A -- _L-.....,......OIIIIlr -:~:t.~J.~.._ ......,....,.,..~,,- EXHIBIT B \~ 17 if'). '/ 14 (,Jt-- ROBenT P. ZleCLER CU RECORDER OF DEEDS "'BERLAND OOUNTY_PA '99 OCT 11 PM 3 30 11_ LOAN AGRDMZ!IT nus AClRIlBMIlNT, ..001..... enlInd IIltot/JIJ 23'" day ofSopIllIIber, 1999, _ KIlby L. MlJIor of 141 B. ~, Cu1iIIe, ......... ooIIod 1luyIr, aad the JlcnluahofCodlolo, CIl""__ C-Y. .1IIlIlliolpallllhdlYilloo ofthec.....,__ ofP....,1YaaIa, ........... oIIIod IIonJuab. WIIBIlIlAS, the HouIloI aad Community D...."_ MI of 1914 fI'l\'Id. tImdo tbr ..qll'oItlOll of.... ~ IIIIouJb !be CllIJIIlIUIIiIy Dor.eIopmenl BIooI: Onm Propam; aad WIIBIlIlAS, !be Bon>uah,.......... to resoIuJIon ud the....._ ud oondlti... adopted by the JIorousb, hu provided CommullIty DoveIop...... BIook Onm lbad. to the CllmINolaad VaIIoy ChapIor ofHabltot lbr HlaaaaiIr,Iac., _ called Non-Proftl, lbrtho aoqulIItIolIof.... ~for....... "".L..ctIon or__ in orderto~__"""~.lbr1owllDll___. u de&\ecS uD4tr Commually o...llur-mer4 Block. GraM,..w.tionr, md WIIBIlIlAS, Not>Pro& hu purobuod r1II ~........It 40 W. 8IIlimore SIreeI, CadlIIeB........ Cwaboriaad Coanty, witb S17,262.00 in ColllllJUllity nev.l_ Block Onm tImdo lbr NIcI bmll.""""'" prosnm; aad WHBRBAS, Buyer d.... to UIO the bene:li.t.I oftbo Community De\ elaJlmtDt Block Onm Propm for tho JlUfIlOOI ofaoqulrina r1II ~........It 40 W. BoItImore Streol, CIrlblo B........ CllmINolaad Cow\)', wIllob hu been inIprovod wltb. _nal' filllIIIy rooid..... or _atecl by the Non-Profit; .... WIIBIlIlAS, IIuyw hu ........ into 1ft ^-' of Sale with the Noo-Proflt of ..... dote bInwiIb, for IIid aoquiJltioo; and WIIBIlIlAS, the IIorou&b in_wltb thoNlcl MI of1914, adopted ........ "'ll',....-IIlll_....witb NIpIlll to..- mad._the.Mlof 1914, and hu .ppoIoled the --....,_. Aulborlty ofCumberlaad CowIIy lie IpIlllbr!be ~of""'"", _ witbeutborilyto .......e11 d_lIIOOIIetyto impIlIIIIlll NIcI_. NOW. 'llII!llIlI'01U Ia IIId __ ofllld...... Boyer..-. ud_tbetthe-.o.l_.....1Mt._lCtIlIeto....~_ It 40 W. BeIdmore S-. CedIIIe Borouab. CumbedlIDlI c-ty, II ooId, tretllfiomd, ......,..f, or equiIabIe _ 11..........''-' wltbIn. pedod offive (5) ~ _ the.,... of the ..... __.......... to the lbllowiDs UIIl fo,.;- ftxmulL The..... _1beII be forgiven by..-Ielb 8lIOl 627 PlGI: 429 . . (1160) of the orlainIl..... oft.. the &nl....thIy IIIIIivenuy dol. of the ....._, ond by......ixlietb (1160) 00"" M'......t.-llly ___ _ if (1) the pntoo(,) _10 ......10 the pIOJMlIty u tboir prieclpeI_ The _..priadpal........._be_lobe__the-'1_tlecl 11>0.. ifthe_1a I _in I......bome, ,.......1..... _. ...panclllII..... facilityforlpariod '-tbaAoix_..-. Inllli_the-'11a CODveyad 01' alhorwiae diopooed of; ... the..- _10"" tbe -'1 u tbalr principal plaoe ofreJidem:e, the _ nbIIption _ baa aot.....1IqI.- u JlOI" the above fonmoIa _be due ond po,yebIe. In the _ of the ..-',-. the property ......10 betbalr prieclpeI plMe ot_oothe .....ot.......IlllIIb.~_ orthe ..... obaII_ u oflhe..... otdoelh. The _.... _....._ u bu lID' ban fOlJliyen, obaIl be duelllll poyobleupDlt ....._ otthe -'1- (1) I UMOl d..-dant becomu the OWIIII' of the -'1 1lllI_1o ...... in the plOparty U tbalr principal _1IlIliI the _ obIIplIoo II Iqhc puriuant 10 Ihe above formula, 01' (2) Noo-Prollt... vw_....lIom au,. for _to - ,- ''a1''1o family under oald -.......... __ In tbe _Noll r.uII.... ..._..... ot plOparty, oald proparty...... belOld _ oix __ ot...II_lothe _Profit. The tWl fi...yeorlb......... -.. _ obaIl be........... for tbe oubaeq_ au,.. of Mid property 00 tho.....ucund with thelllinll otappoopolale ""'" 4, ia the County'. Roconlor ofDeadlIlllll...1'IoIlIoaotay 0IIi0e. No _ _ be obupd 00 the_ IDIOllDL TheIlclnlup.._.....befortholldl_oltheC ""ty DeveIo.......II1ockClrllltfbnda_iatho....,'V" oofoold-'1. _.11 ita diaerelion the Borouah _ drop lbIa ~ It 111I)'...... WITNESS OW' -'1lllI1IIIo, the day IlllI yeor-". WITNESS: BUYBR(S): ~ - ~ WlTI'NESS: rIM.,),. TIlIl1UlD1lVIlLOPNIlNT A\1IHORlTY OP TIlIl COUNTY OF CUMIIIlIU.AND f'lIJ IJ'4_ aGOA 627 PICE 430 ",' ...., AClCNOWLI!DGMENT COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBElU.AND II Onthis,tbo ~.3rd cIoyof ~mQr" 1993-.., before 100, the undonisnod officer, penonalIy Ip~ I J to. mlll~,.. ( known m mo (or .lIlisl'actorily (110010) m bo ~') wbooolWl1O(.) ill........cribod 10 tho within inotrument and atlolowledged that . _ 11III0 for lbo pulJ>O"S therein contained. IN WITNESS WIII!RI!OF, I borounm .01 my bIIlIIllld oflioia1..... -- ....:;.....~.....!'!IDCIIIlIr .._"t,:...~- ..... ....,...AIIlllIIIIIIIM....... COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBElU.AND Ontbio,the .t-JAL c1ayof =-,. . I99L bof'OJO 100, tho uadeniped oK_, pOllOllally oppeorOd' Cluloua, who acknowlodged hilDlolfm bo tbe El<oculm 0-.. oftbe I\odtJyolopmOlrt Authority of lbo County of CUmborlllld. a oorporatlo.. Illd thot be u ouCh Exec:ulive OU-, beiDa authorized m do 10, 0I<0CIrted lbo f","",iDs _ for the purpo.. therein oolllainod by IignlDg tbe name of the oorponlion bo bimnlflbo Exec:ulive ou-r. IN WITNESS WIII!RI!OF, I borounm HI my band Illd oflioia1 oeal. eoIlI\ 6'27 PAGE 431 Stllll" of pcnnlYlvanll} 88 CO\lfllyolCunlbtrllnd I: ,coru~d In the office tar \hi: l' in J lor CutnborLancl ColI I :lV~..= MIl my hand and ot om ~rll~.. PA tNI of EXHIBIT C ,. ,. .COMMONWEALTH OF PENNSYLVANIA COUNTY OF: COHBBRLAND Mag. Otst. No.; 09-2-01 OJ Name: Hen. PAULA P. CORREAL -." 1 C01J.R'l'HOUSE SQUARE CARLISLE, PA n~M,017) 240-6564 17013-0000 AJlBRICAH GBNBRAL FI.NANCDUa SBRVICHS 6 S. HANOVER ST CARLISLE, PA 17013 t)t(- ~1a (!,,:'-d NOTICE OF JUDGMENTtTRANSCRIPT CIVIL CASE PLAINTIFF: NAMEand'OORESS IAMBRICAH GBNBRAL FINANCIAL SERVICES 6 S. HANOVER ST CARLISLE, PA 17013 L ~ VS. DEFENDANT: N'ME and .OORESS 1s1lI'l'H, KATHY, BT AL. 40 W. BALTIMORE ST.. CARLISLE, PA 17013 L Docket No.: CV-0000301-04 Date Filed: 8/19/04 -. ~ . , . THl$J$ nUtO:(IfX Yo..u.TIiA!.~.... . .-.... 'nRfll.t1Ti'I" .nmdMJdPtl"PLTP Judgment: ---- -- --- [iJ Judgment was entered for: (Name) J.II'ImTl'J.N nRN1l!IUT. lPTN'. J.Nl'TJ.T. R !il Judgment was entered against: (Name) RMT'I'R, RRTt[ ANY PA.RTY HAS THE RIGHT TO APPEAL WITHfH.3~'PAVS ARER THE ENTRY. OF JUDGMENT BY FILING A>NOTICE OF APPEAL WITH THE PFlOTHOHOTAiiY/CU~FlKOF'THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COpy OF THIS NOTICE OF JUDGMEHTITRANSCRIPT FORM WITH 'lOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CML PROCEDURE FOR DISTRICT JUSTICES. IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE DISTRICT JUSTICE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS. ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE DISTRICT JUSTICE IF THE JUDGMENT DEBTOR PAYS IN FULL. SETTLES. OR OTHERWISE COMPLIES WITH THE JUDGMENT. . .,(\I\I1! 11". ......\.\\\" \ 0"/' ", ..\", '" ~Jti1 -',' '.. .........., . .,-:~ ~ll'-."h~'l~~:l ., .. ....... .,~ ...,,\,., '\ "'.t-,.. . :: " . . . . ; "Eljstript Justice '.. " .. ~ ...,' c edtlgs (;~tairliaithe judgd,ent. ~ \ "...;,. in the amount of $ .., R7'\ nR on: o Defendants are jointly and severally liable. o Damages will be assessed on: o This case dismissed without prejudice. O Amount of Judgment Subject to Attachment/42 Pa.C.S. ~ 8127 $ o Portion of Judgment for physical damages arising out of residential lease $ 9-20-04 Date I certify that this is a true 9-20-04 Date My commission expires first Monday of January, 2006 . AOPC 315,03 DATE PRDrl'BD: 9/21/04 (Date of Judgment) (Date & Time) t:I/?n/n4 Amount of Judgment $ 5.676,45 Judgment Costs $ 196.63 Interest on Judgment $ .00 Attorney Fees $ ,00 Total $ 5.873,08 Post Judgment Credits $ Post Judgment Costs $ ------------ ------------ 'Certltl~Judgniei11 Total '$ , District Justice '.':"', .,..... SEAL 9:50:17 AM . .' -,.....,... ,- ~ ~ I; ~ ~ ~ ~. ~- , ....... ~ ~ ~ 0 ~ Q, c.:: ';? ::~ ,': g -o::l ~ -d- 1'),;,,-, :;1-"""' -l '''rt' ~..,.. ", l'~ -.-.' - :00 -l) 1......).. - (2.t) r'> .,:,"', 11) ~< c " "/):1"1 .- :% "..,(") ,J:: "" :.~~~~..j. - -;:,.\1."\ - ?',?\ ci -0 "....< .. ,,',~ ~ ...\ C> ~ - -c o~ () ~ ..... c-. ~ ""\ . ~ > ~ . h: ).\, . CERTIFICATE OF SERVICE I, Mary M. Price, an authorized agent for Martson Deardorff Williams & Otto, hereby certifY that a copy of the foregoing Praecipe for Writ of Execution and Affidavit was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows: Kathy 1. Smith 40 West Baltimore Street Carlisle, Pennsylvania 17013 Judgment Debtor MARTSON DEARDORFF WILLIAMS & OTTO BY~ 'It().)NOP~ M . Price Ten st High Street Carlisle, PA 17013 (717) 243-3341 Dated: July 10 , 2006 '-.....') C) 1... -q :...-:1 ,r-: .",; \-:.~. <:Il SAIDIS~ FLOWER & LINDSAY AlTORNEYS-AT-lAW 26 West High Street Carlisle, PA -,- II ESTATE OF DONALD H, SCHWARTZ, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v, No, 06-4120 CIVIL TERM KATHY L, SMITH, alk/a KATHY L. MILLER, Defendant PETITION TO RELEASE PROPERTY FROM LEVY AND NOW, comes Your Petitioner, Cumberland Valley Habitat for Humanity, Inc" by its attorneys, Saidis, Flower & Lindsay, and petitions your Court as follows: 1. Petitioner is Cumberland Valley Habitat for Humanity, Inc, a Pennsylvania nonprofit corporation with its principal place of business at 39 Heisers Lane, Carlisle, Cumberland County, Pennsylvania 17015, 2, Respondent is the Estate of Donald H, Schwartz, c/o Michael], Collins, Esq" 10 East High Street, Carlisle, Pennsylvania 17013, 3. Kathy L. Miller ("Miller") is an adult individual residing at 40 West Baltimore Street, Carlisle, Pennsylvania 17013, 4, 40 West Baltimore Street, Carlisle, PA (the '''Property'') is a residential unit previously owned by Petitione:r, rehabbed by Petitioner and conveyed to Miller by deed dated September 23, 1999 and recorded September 23, 1999, in Deed Book 208, Page 209, 5, The Property is scheduled for Sheriff Sale on the Respondent's judgment on December 6, 2006, at 10:00 a,:m, 6, Petitioner provides homes to individuals, based on need and ability to pay after assessment and training, 7. Petitioner sells homes to individuals for substantially less than the fair market value to support its charitable purposes, 8, Petitioner protects its equity interest by reason of a J\.10rtgage and a Right of First Refusal and Shared Appreciation Agreement. 9. Miller executed a Mortgage in favor of Petitioner in the amount of forty-seven thousand eight hundred eighty ($47,880,00) dollars dated September 23, 1999 and recorded September 23, 1999 in Mortgage Book 1572, Page 15 (the "Mortgage"), a copy of which is attached hereto, made a part ht:~reof and marked Exhibit "A", SAIDIS, FlOWER & LINDSAY ATIORM:flioAT'IAW 26 West High Streer Carlisle, PA 10, Miller executed a Right of First Refusal and Shared Appreciation Agreement dated September 23, 1999 and recorded September 23, 1999 in Misc, Book 625, Page 743 (the "Shared Appreciation Agreement"), a copy of which is attached hereto, made a part hereof and marked Exhibit "B", 11. The Cumberland County Tax Assessment database, based on 2004 real estate fair market value, lists the current total value of the Property as eighty-eight thousand four hundred sixty ($88,460,00) dollars, 12, The balance on the Mortgage is $35,408,69 as of October 31, 2006, 13, The Shared Appreciation Agreement applies to conveyances for a term extending to November 1,2024, 14. Up to and including November 1, 2009, the Shared Appreciation Agreement provides at paragraph 2,c, for the allocation of one hundred (100%) percent of appreciation to Petitioner, 15, Paragraph 2,c, of the Shared Appreciation Agreement provides, in part, as follows: Term: Grantee's share of the appreciation in value during the first ten years of the term hereof shall be one hundred percent (100%), , , 16, Paragraph 2,d. of the Shared Appreciation Agreement provides that the Shared Appreciation is due and payable to Grantee at the time of conveyance or sale of the Property. 17, The Property is encumbered with the following judgments, in addition to Respondent's Mortgage and Shared Appreciation Agreement: a, Judgment in favor of Palisades Collection, LLC, 4660 Trindle Road, 3rd Floor, c/o WolpofI & Abramson, LLP, Camp Hill, PA 17011 filed to No. 06-4169 Civil Term and entered July 24, 2006 in the amount of seventeen hundred eighty-three dollars and twenty -one cents ($1,783,21) , plus interest and costs; and b, Judgment in favor of JMMMPC Company, 221 East Market Street, P. O. Box 832, Clearfield, Pennsylvania 16830 filed to No, 06-5829 Civil Term and entered October 5, 2006 in the amount of eighteen hundred twenty-six dollars and three cents ($1,826,03), plus interest and costs, 18, Due to the Shared Appreciation Agreement, there is no equity available to any judgment creditor, 19, Respondent's Affidavit, pursuant to Rule 3129,1, failed to allege or attach the Shared Appreciation Agreement. SAIDIS, FlOWER & LINDSAY ~AT'IAW 26 West High Street Carlisle, PA WHEREFORE, Petitioner prays Your Honorable Court to grant the following relief: a) Stay the SheriJI Sale on the Respondent's judgment, which is scheduled for December 6, 2006; b) Find that all equity in the Property, up to and including November 1,2009, belongs to the Petitioner; c) Release the Property from the lien of all judgments in favor of Respondent, Palisades Collection, LLC and JMMMPC Company until November 1, 2009; d) Order that a conveyance by Miller to Petitioner, or a mortgage foreclosure by Petitioner, prior to November 1,2009, shall be free of the lien of the judgments of the Estate of Donald H, Schwartz, Palisades Collection, LLC and JMMMPC Company; and e) expenses, Order the Respondent to pay the Petitioner's reasonable counsel fees, costs and i l / ( submitted, Robert C, aidis, Esq, Attorney ID #21458 26 West High Street Carlisle, P A 17013 SAIDIS, FlOWER & LINDSAY AnOJINnSoM.LAW 26 West High Street Carlisle, PA VERIFICATION I verify that the statements made herein are true and correct. I understand that false statements herein are made subject tot he penalties 0 f 1 8 P a,C,S, ~ 4 904, relating to u nswom falsification to authorities, DATED: -i- ]~ )#1)(, I C;C~tI TI Je ]A nx,,1'6r C V H":-H 10/30/2005 11:03 \ 71 72431850 MDWO PAGE 11/25 ~ ,t./}1 ;, 5;;l.. 'ttf ;If --r' '- ~cl)1 ..tj 0 ;0- J uJ J-- ;. ...., ::z: I~J ~ =:) -_:... c I"A p U .,.: r'~ t'" :~~~ Ir~ tL a:. ~~LU ~~~ ~ t'.' MOllTGACE THIS MORTGAGB ('"Sol;urity InstnamCllt") is Riw:n OII.:iepfembar23. 1999. 1'hr: mol1ppr is KATHY L. MILX..Sk. whole: tddRM i.40 West lla1timwe StnJet. c.rli$le. Cumblldud Cou.IIy, Pt:nmylYUdI J 7013 ~). n" Security ItmrumCllt is iMm 10 ClJMBBflLAND V AU.BY HABITAT FOR.RtJMANn'Y. JNC,. a Pemaylwai:.. DDD-ptOfit corporatioa with IMiliaq ~ of P.O. .Box 147, Carlisle.. CumbcJl~ Coonty. PeDDSYl'Wllia ("Landc;r'"). &nnwer owm: Lendel" rhe prn.c:q.I mat or FOR.TY SBV.e)\l THOUSAND EJrnrT HUNDRED EIGHTY )\NO XX 1100 Dollars (tJ.s. $47,110.00). This debt il mdGnczd by 8un'uwcr'w nokl datal tIIa IUIIC date IS thi. Security IftStl.......nt rNotc"). whicb pmYideA fbrlDODlhly p.ymaItI, with the: fulJ debt. if not ~id culicr, due.m ~Ie OIl November.t, 202-4. Thi:J ~ty IDatnunmt IeaIftS to.l.clada; (a) the ~ Clfthe debt evidenced by the Note:, Md..1 renewals, lDlemiom ad modifications; (b) the; ~t of all ~ stIIIIII: acMncaJ .... ~ 710 ptDIeet the security ofdtia Serswily InstnIInaaI; ad (co) ~ ~1II'nWII:e oFBorroweI'1 CCMIIImItIMd "-lP........lLQa UDdar thia. Sa:urily Jdllnlrnalt and the NoclIl. Forlhil putpoIe..Barmwc' doa Jlmsby monpge. grut aDd conVl;y to Lmd<< the rolll)~nl dac:rHaed pmpaty lacatl:d lr1 C\ImberIaJId ColUlt)', PaullY1vania: All. THAT CERTAIN lot of Jl[Vuod aitud~ in Ihe ThiEd W.d of the BoIOUJb of CarliNe. Cumberland County, PmnsylWJ.i~. bounded and detcJibed .. follows: BEGINNING at.. r*1 on dIe...them ~gf-way lil'lC of'W~ BattimORl Stn;et at the comet of lands now Dr fonnedy of Emat 1... Hader; thc:DCCl alolll the la1!er, South 13 degrca 42 mi~ 08 ItCOI\Ids W-.. diRIasu:e of 120.00 fIlCt 10 an iron pin OIl the nodhc:m side Df.. 10.00 feet wide allay; 1heDc::c alGns"thc 1attI:r, North 76 ~ ., ~ S211DC011ds W_.. diatMec of32..50 fed to aD iJon pin on tile ~im: of Lot No.. 2 on the hereinaftllr mealiDaed plq of Lola; thew:e along 1hc: lldb:r, ..-North 1:J ~ 41 mimdcl 01 SCICOftds Bat. a di-..cc of 120.00 f&:d 10 &II iroll ;;pin Oft die 5GUIban ri~WIlY li1lCl orWell BalIimOllll StnIar; thc:m:r: uOQJ rhe a:: Iaaar. SolIdI 76 cIclp:ca 17 milwla 52 ~ East. a diataDIx or32.SD &a 10 a C") ~l the PLAO! Of BBGINNING. N ' ~ CONr AlNING 3,900.00 $:I1W'Il feet atld bemx delcriballlCWrdiug to lL fmal mitIOr u:> IlUtxfivision pa.n tot Cumberland VallI!)" HabiIE far Humanity.IDe:.. by Larry v. ~ Ncidlinaer. JI'.LS., daIed July J:l, 1996, IrKOrdcd iM. du: Cwnbel1and County - R.ocordcr ofn-.b OffiCe in PJ.n Book 73, F'. S, and bd"l ~i~ tbc:reon m Lot No.. L .ItODd5~72,_ 15 Exhibit "A" 10/30/2005 11:03 71 72431850 MDWO PAGE 12/25 TOGElliER. WITII all the .improvcmallS IIOW (llr IIar'edcr c:rClCtc:d on the propr:ttY, and all ~,~ ~ !alII" ruyalbc.1, mipcl1d.. oil...... ti.....1IId proftll, ,..,rishts and ~lt ..,.11 flXtura now or haaAer a pet oIthe~. AlL ......I:'IlIa and addiLions shall &lID be CDYa'CId by.... Security Inmumcnt. An uribe forqui11l is ~ In in fhUJ Sa::urily 11\51nDhCdl.. the~.. BORROWER. CO"\lENANT8Ibat Banuwlll' is ll,wiUlly :sc:izaluflbc ~~ mnwyr.d ad ~ the ritbt to mGftpBIl, pn"" coavey the Pmpcny aDd tMt the ~ is ~bcnld,. except fot ~ruca ofl'llClllld.. ~ WJmaIIIb; IIIId wiU daraId ....Ily the tith: to the: Property apimt ~U clDmIl dd demIIIds. 1\ltUa:t 10 my cm:lRII~ of1'UlO1'd. Borruwa- and Lender covmwn lIIId 18RZJ" folt,t)W$; I. ",..,at afPrIIId..-t J'~~_t ...l.II. 0...... Bmmwer shall promptly pay wbr:n due tfte priDcipal ofdlc debt clYickncat by UK: Nc:u IIId my _ ~ ~ UDder the No~ 1. Flldda far TaD aDd luaraa:. SubJcC'ttD appUcable lawarta a wDttaI,.iyer by Lender, BonoMlr Ball JaY trJ l.c:dder orllbCl day maaUI~'..,...m15 are due 1IIIdc::r1bc Nme, until th~ NoIe is pIid m fuU. .lIlI8I ("FundI-) equal to ono-twID1Bh Df. (.> ,.,ly CPa mid - -1ICDtS wllidJ may Illlain IWiGrilY ova'this Sec;uril)' m.tnum:nt; and (b)yeady haDrd iDsura11cc pImliQlld.. Thr:Ie itenu;. me called -es;row nemL. LcIIderJPay ~ thl: FW1dI dDe an dMlbuilof c:um:mdatr. md ~Ic:; estimates Dr~ escrow itans. The Funds tball be bdd in lID inltiwrion dm dIspa.ita or ~ or ..which Ire inswed or guaramCCld. b)' . fedlnl or 11*~, ~ ~ apply die Fundi to ~ the tlICUllIt ~JA2. lender may !lOt cbaJe for boldiDg and applyilll die Puads. .....yz:iq the accG1dIt or "IerifY1ngl1le elCl'GW items. unless Lander pays 9orruwr:t intaat 00 tiler Fundi ud applicable Iawpamila Lender 10 make ijllcll & ollargc. BoI'l'DWV.nd LclXb'may IIF"C ia wdtiat: that iaWl!!lt shall he paid on the Funds. Unless 1ft qn:c:nJeDt a rn.dc ot'.ppliable law ftlquln:ll inll:lat ID tJ., paid. LaPdC'l'" II~I not be IaJUin:d to .-Y Borrower any illllnll or CIIJ1Iinp on tilu: F...... Lcada thaD Jive r.o Bonowocr. without ~ III UJIUI ~ ofme FundI !bowiq cnldiD IUCldebitJ 10 lhcl flllUl& and the pllIJlOle for wlUch cadi debit 10 thtl FwRb wu 1IWdc. TbJ: Fundi arc plcdFd allddltianal xc;unty for the sums sa::un:d by tIIi~ 8ccurity I2IIZnIment. If the amount of the Funds held by LclDder, top::lhar with the funm: I1)ODtbly pa)'l1lent& of Fllnds pIlyablc: prior In the due daaCl& of the C:IC1UW Items, shall cr.oeed 1he amaunt RqIIip:d to ply the oxrow ilmu when duc.lhr: ~ wll be. at .Bonower's option. either prDmptly repaid to BotTOwer' or credited 10 Borrowa' 011 monthly paymenl!l ,.fFW1od$. lethe .mDun! oflhc Fu1\cU held by Lcndct' j& nor sbff"lCient to pay the escrow iterm wbell dUll,. Borrowu ,h.1I ~ 10 tLndc:T any .mOW\t nccl:3Dl)' to make up the dcfi~ieJt'Y in 0hI: O~ m.~re payments as required by Lender. ~nBd572 ra 16 10/30/2005 11:03 71 72431850 MDWO PAGE 13/25 UpOn payment in full Df all SUIIU ~ b:y this Secllrity IJWtrw'i1cnt. Lcndar $hall prompt1y refund to BonoM;t art)' FIoDds held by Lendm', If under panlBRpb. 19 the Property iuaJd or acquirt:d by Lctlder. l.crIdc:r" d..U apply. no Jllla'thu inutud.in:ly prior to the sale ofahe Prupcny or j" ~isition. by Lender. P1 PWMIa held by Lender III the time! of .pplimiollu . ercdit apinSt tlK! SlImS ~ by &hi. :lecurity I~c:nl 3. AppHClln- u(P_yaDCIdL Unlea ,-pp1icablt: lawpruviclm o~. aU paymcms received by LeGder weier ~t'hs I mil 2 sball be .wlicd: first, to Jat.o cbftRell due under the Note; :HlCOad, to p)ulU\IS payable uuda' pIIJ'Ipph 2; and Iut. ill pridcipd due. 4. Cbrw-; LIe.... Banowcr ~l pay 1111 tum. lIDClIS1IICftIS, chap. fim:s and impatirians lItSribut.blt tD !he PmpCl~ whK:b ..." attain JIriority owrr thit Security Jnsb'umc:I1t. and leachdld. payments or lPO- rents, if ay. Bor1'O\ftlr". pay thaa ablipticma in tt.l mlDMr pnMdod in puII&l'Jph 2.. or ifllal)l8id ill that ~..BomnwIr ,ball pay than on timD directly ~ the penon owClli.-,mad. BotmWer sball promptly fUmdh to Lcada' all naliClaS of -.nounlS co be ~ under 11Iis ~ tfaumncr IMka daII ~ dira:tIy, Barrawa' IIIalI PJD....pt1y rumilh to L.c:nIkt ~ ClVidenciPg the pBYIIICdIs. Uorrowct 1iha1l promprly clischarsc ~ lit:!! which bu priority CM:f this Security lnarnmertt unless Bomrwar: (a) ~ in wrililll to Uul JIlIIYIIICI1t of tile abliplion ~ by the lic:Il. in a mtn.aer~11l coLcndc:t; (b) ~ in FDd faith dIG liCl1 by. ordd'eDdlapiDltIl~ of1hclIiClD in.lc.. ptOCCCdiDJ8 which in the lAmdIIn opi2Iion.lIplD&elO ~tbc ~tof the lien or forfeitaftl of my put of ~ PIopetly,; or (c) JClCUI1lI fivm the Iloldcr Df thcllial q qreement satisfactory to Lr:ndc:r mbo~ tba lien tD this ScauitY lD!Irumt:at. If Lcodc:r dIltenniDc:J thIllIDy pm of dMl Pmpmty is mbjld 10 " lico which may auain priority over this Sec:urity ~t,. Lcudttmay give Borrower a IlDbor; idalifyinx the lien. BoIYDWlll" shall SIItiafy 1bo lieD or .... GDI: or IDOiC: of ItIC adioaa IIIll tbrtb atlow ~n 10 ~ of tJ.e ,;.Yinl of noticc. llerrower.....1 aat penDlt a ....... ........ce or tIdl Ua or..y ...... auhnl__ IlDaadllfto be pJaeed .pi_ tile pntpeI'ty IlK' fin,afW Ii'll'" tbe d.de _nln: Nm. !.. Hazard IaaraallX\o BDmniWerlhall.1Iz:icp dill impuvanadJ..... ~ orben:aftm- eram1 on tha Prvperty ittU'Cld ~ 10M by fire. bJIDl'ds illdadell witIIW tbe 1mn "t:lltCIadIld covmqc- aDd 11I11 bther hadnta far whidll..clndcr ~ illSlPaCC. lhi$ inIuDnce shall be ~ ill tbe amoUDla aad Ibr the pariodsthat ILaadermquiJu.. The iDlumDcccuria-prowiding thrl lmanncc mall ~ caa. by l:lorrowet lJ~jfd to Lc:ftdet's appmnl which ,ball DOt be wueuonIbJy withhe1cL All ina~ p'li~ .out ~ .ball be u.c.eptable 10 I..eDder ad sball illClude . SI:IZIdard ri10rtpF dausc. LAmdIIr 1hA11 t.~ the risht to bold the pOlicies and renewals. IfLenclclr n:quireI, Borrowu sbaU prompCly Il"" to Lendl:lr.1:I I'Ilalipts of pid prtmilllDll and renewal notices. In dK event ofkla, Bmrowcr.... Ki~ pmmpt lIatic:c t.o thEl insurmIal carrier and LendCll'. Lender may mate praof afloa if DOl JMda pnmrpdy by EonowIlr. B'Dur1572rllil 17 10/30/2005 11:03 71 72431850 MDWO PAGE 14/25 UJlll;;ld Lender udBouower OtberwilC -1IftllI in writin&, iDmrlmc:e pracIlClb..t bcappl.ied to rClltlltabCIII Dr repair ofthc Propcnydlmapd. utile remonltion or n:p.ir i!: a;ICnJlJmically feasible and l..c:t1der's IleCUrity is N:It)~ Ifthll nsstIntiuD ,DI' iqIIir il DOt ecoaomically r~c or ~ &eellrity1NUld be IceIc:aaI. the iIIIurancIe ~..o beappllal to die IUIIIS ~ by this ~ InIInammt. whdbcr <<not thai due. wida mwy t:.IIaII pUd 10 1JorroMIr. If&tmwer .b&ndom the Property, or doaI DOt liliawet' widlill. 30 cS.y.I a aotice fillID Lender that ~ i~ carril:r has ofInd to IIltt1c . dUm, then lAlDda- allY colJlClCt tDa imurutce ~ Leader owy lIIe die ~ tD repair or RlStonl the Pmpeny or fa ~!IUd11 m:ured by this Sccuri~ 1nIIrumant. wbether or not Ibm dde. The 3o.day period will bt8in when the notice: jA twen. Unless Lender and Bonuwm' otbc:rwl&e aarec in writirlg. my application or proc.tJeds to princia-l ,hall Mt examd. Dr poIIpuDC WI dull ..,., of the moadlly ~eats Jd"crrcd to in ~ 1 aIIIl::OI' ~ the mnollAl oftQr;~. Ifundar ~ 19 the Property ill u:quited byLaader.~riahttDUIY~polic:icsandJll'ClQlDlb ~ftum ~ 10 she Pmpc:dy prior.. tile -.clqIIiaitlCln IIlWl..-.. LaIde:l"to the c:daIl of the IUIftS sccun:d by thi~ Scalrity lnstnmBlnt immedia1C1y prior to the. acqIIiIitiolL 6. PnIIlIlrntioa sad M.illtIIaadal ", Pntper'ty; V.IC .. PrlJac:Ir-1 ac.i4atft. Borwwct lball aal dcsbuy. ~ Dr ...___i,lIy ehadle the Propmy, IlIlow the Prapsny to dlllcrio.ate Dr CGDIIIIit ~ BotmM:r sbalt cx:cqpy tbr: ~ U all nml".& H a principal rcs.idcncB and shall ROt IeuEl dID Property or tDY partion (.rib:: Pmpctty 10 any penon... 7, I"ratediaa ofLmder'. KI..... ~ die P.mIIefCy; Mor1pp J.llrnr.e. IfBono~ faib to lJCtfGl'l11 tlul ~ and ap:gdCDb CODIaincd in .u. Sr:cdrity fnalrumcnt. or tbt:re: is it. Ir:~l ~ tb.t _y siKJ'iJi/::mlly a&:ct~, nata in !be Pruparb' (INCh IS" ~nK in t.Pbuptcy. prabUe, r.. ~OD Dr 10 caba:llaws or rcplaIioM), thm Lender may do and ray for ~i8 na:aMJy1a pmIIlCl tbc wlue; oftbc Pmperty andLeada's rip In dIa PI'O\XII1Y. L=1ef's dODl DWy ineludll ~ ~ SWDJ SIlandby IlliCl whid1 bas priori~ ow:rth. ~ty lnstnamml. .ppeariu, in OOUlt,. payilli: I12mnable &tfDmcys' fCQ and cnt.cri.- on the Ptupaty IQ mNCl~. A~ Lmdcr~ taIcIl.criGn undertIuJ ...ppb 7. Lcndc:r dao not bave to do 10. Any amounll dilbuned by ~ IIPCII::r lbia ~ 1 ~1 beoomc additional dt:bt of Bortowcrsccured by lb. Security Instrument. Una 80Pllwcr ad Lendar aJlUl10 othc:rtr:rml of />>YIIIr;ut., JJae am~ shall be: ~ablc upon notice from. I..endIlrtu Borrowa-rrqueuingpaymcnl .. lupectioa. Lcndt:r oriu .~l In&)' ma.ke JlClI5DdIIble crtiriCll upon 8nd impr;ctiom: of Ihe Property. Lender shall live Borrow.:r IIOtiCC" the time or or Jlrior 10 aJ1 inspc:x:rioQ specifYinl reasonabh: ""'I: {or lhc impection. 9. CODdeMllat50a. The proca:da of IIlIY ..dId or claim fgr d.m.ges. direct or comeq\lclnia.1. in connccbOD with an,,' condemnation or oUIQ'" bd:i. of MY part ofthc: Property, or for g]nveyancc: ill lieu of CCIIXbnnlllion. 4rr: hereby assisnCld ."d 5hall br: paid to Lender. . 8ood5"'~,.<<:r 18 10/30/2005 11:03 71 72431 850 MDWO PAGE 15/25 In the event of . lObi takinl or Ole Propsny. the ptoc:ccds shall be applied to the SIIIm !l:Cun:d by this S<<:urity lBsrnlm.cal. wbdhcr or not then due. wnh &Jrf ClCCCSS paid au Borrower. In the I:'Rntof a puti&l1IIbI1 orthu Praperty. unlas.~ _l'..cPd<< (Itherwis1l asm: in writiar. UIe luna ~u=l by this Securily hBtnaacat Ihall be I'Ildvc.cld by Ibc amo1lllt of die p~ multiJlliad by thr; fullowiJla fmatioa: (a) r.Iz taCIt IIIDOUI1t ordul sumslClCllmlilDll)Cldjately ~ the takins. divided by (b) tJu: fair awrkd ".lIC ofb! Pmperty immodiatlIdy befo~ the takins. Any bAlance &haIl be ~d to BOI1'O'MII". If tbIl Prvpcny ~ Ibmdoncd by BcmowI:r. IJr it; .fttf notice: by l..edder to Bormwcr Chat the ~ offiea 10 maIce aD aMId or sctt18 . claim tor damqcs. BcmuwfJr Dils to respond &0 ~r within ]0 days .tla' tba dale die DOlicD is per." l..a*f' i. aIIlborizcl1Ocal1tIct ad apply the pnx;axb. at i.. oplian. Clitba'1O atom1icm Dr teplir DfdIC Property or to the; ~ aeeured. by this Security .lIIItnana1l. wbetber or DOt Ihen dull. Unless l.aIdcr Md Bcmvwar orbgwjllCl ~~ in 'Writillg. any application of pnx:ccds ~ principe.! mall net extC1Ul or pOStpOae the dae dar.e or tho monthly paymcdtS TCftrrtd to in ~pI. 1 aad:2 or cl.ngc the mnounr or I~ r-ymadL 10. Borm...NDt~; Fo~B,. Leader Non W.lftr. ExtIlnsionofthe time for payment or modific:lltian of amar1iDbDllI)fthe sums z;uno;d by ttu. Sc:Arity IIlAtrumem granted by Lender to .,y~or 1ft inta'cstofBmmwa'Ih.U nol apemleto~ IhlIl~ilifytJr the aril:inal BorrowtJr or ~ .uc:.ccaon in imaal J...coder shall nat be n::quirad 10 commeace proc:aldinp epi_ My succasar in intaal or reftue 10 GX1Co1Id lime; 1Qr JlIlYJAall M olberwile modi~ mtortizatian df the IWIUIlltlCured by thiI SemIrity lnabunu:nt by macm of any demand m8dtI by ~ oritinal Bo~ or Bonowen ~ ill. iDbat. Any forbearance by .I..tulda in ~n:isias uy riJItt or laIItldy m.u not be . wavcr of DC predudB du; excrt:itt: gf 8J1y right or macdy. 11. Saca:aan .1Id Aaaipl lIouad. JaID! ..d Senral LlabUIty; Co-IIpOI'L The ~OImts and ql'el!ll'lenl'l or ws SIIc1Irity IIlllnllnMt shall bim! and benrsfit the lIu~nE ad &Mips ar~~ Bom.u. :Rlbjt.:Cf to t1m pRMsiOda w~ 17. Borrow='l cow:nantl ...J qn:lC1Mab m.Jl bIl.ad JNM:IIIl. Ally BomMIlrwba aHips tbiI: Security bI.s1nnent but docs not cxa::ute tho Nn:: (.) is Q)ollipi_B tJIis Seeurity lnstnmnlIIt only tu~. JIUI! and CDrJW:YtIIIIl~ i.ntIeft:st ill tbePrDpeny uadertM ~ ofthil Security lnldtumem:; (b) is nor pcaonaUy oblip1ed to ~tIac..Dd'd ICCUrIld by this SCICl1rity ~ &ad (c) aamcs 1t.t U:rldr:r IUId any olber Bormwr:r nuy apIIl(U anmd. modify. rort.r or lMke IDy aa;ollUlKldatiODS with reaud 10 IIIcl tenns of tbiI Sc:curity In.trmnllllll or lho NDte wifhout that BoIl'OWel". QOnsr:nt II. Lead C-tt& If the Ju.n ~un:d by 11m Seemly Imarumenl is lIubjtICt 10 a law wbic;b :RIb muRnum loan ~ and tUt la.w iis fu3alIy intetpretcd ~ that the lOIn c;fuar8c:s colle.:tai or to be col1eded in connectian with the llOU CUleed the: petmittallirnill, tbea: (a) MY such loa cJwae shall be ~ by Ibe amount neceauy ID lCduce the ch8rF to Ihc pcmiucd ..011(15'12 PllJ: ~ 19 10/30/2005 11:03 71 72431850 MDWO PAGE 15/2& limit; and. (b) any sums "lady GOll~ fu;nn Botmwe1. whidI CllCIlCICk:d pcrmiacd limits will be rcfundr:d 1o~. .Lmdcr maya1loalll to ~.. J1CfaIqdbyl'Clducilqt.be pritIci~ Old under tn, Note 01" by makIDg . dim:t -paymcdt to~. If. rulUad Io:Iuces pri~l, the rnductian will be 1rCaUld. u '" ~ lftJ'aym. witiuMIt 8Il'J ptepll)"RleIIl c:Nqc UIIdcr tIx: Note. 13. ~tIM. Alfediaa LtPIda"I....... If ~t.:ftt or ~irarion of ~IU:.bIc Jaws bas tho dIix;t of reoderilll my pnwiIian of die Nobl orthiA Soauritr lllltnmJeftt UDad'CIRlMbIc atIClOJdi. to its tmms,. La1dm', lit its opti-. may require iznmc:di* ~ymcnt In full of 1IJ1 JiW11l secured by tbia ~ Insmuuaat aDd may iavob: 1lD)' l'CIIIlIldiea pIInIlitI.d by JlImIIIIPb 19. ]f Lcndo' ~ this opticm. Lcftd~ sbIll t8h: Ibt: steps spa;ifilld in the 3eGOIId puapph of parapph 17. J 4. Notla:s. Any notice 10 Bvnowcr lJI'OV~ far iD this Seeuritt Tnslrllment wI) be giveIl by dcliV1:rin. it or by maili'Q~ it by first claa mal unlcaa 8ppliaable Iawv ~ URl of ll1IOtb<<rnetbod. The noriQ:; shan be dj~ to 1hc Pmptrty Addrr;u or ~ odw:rlldlbal ~ dcsi.,.m by OObce to Leader. Iwy DDtice to LancIar :shall be ai'lla by first c1au _I to Leader's Bddteu atItecl hmlin Ql' any OIlIer Mdra:II ~ ~ by noIia: 10 Bonuwer. Any naIklc pmvictcd for in this Saeurity IMb'umellt sb8l1 ~ ~ ~IO haw b8crJ Biven to Bormweror Lender when gi~n a& pn:Mded in thiIl ~Il. 1'- Cnt:l'llliq uw; SeYcrabllity. Thi. Sl~ InIlr\ImEllt shall be: prvemCld by fatcr.J '-W and Ihe law of the jurisdiction in wbich 1bc P.ropcny i:s IGl:ldbll. In the lMIII1 duIt any provisian or clause of this Security ~t or dE Naw; ooafliats with applN:.b1t l&w, such copfli~ shall not affcet other- provisialll of u... Sc:curity InslnmllII1l or the note which C&l'l ba slYI:TI effect"Wi1hosn the c.onfIidiD,g prDYisiou.. To this CJId lhl:lllrVVisiOfl$ OftbK Security Insbumml and lhc Note uc declan:d. to be xvcudJle Hi. BalT1tW'V"lCupy, BdmJ'M:t'shall bcsiVl~onc:c.onftlnned (;opyoftbc: Note llftdor this Socwny ImtnlblCnL 17. TrII~er art_ ~rty or allaldldlll ......... JIonawa". If.t1 DUllY put of the Propa1y or any iulcrra in it ill said artrallfcmld. witllaut Ladr:r'. priorwriUm COIIImt. Lc:ndr:r may. at ilSoptiOl1, ~ft'; iauned_ p.ytP1:I1t in filII af all S\11D13a:lJftldby tbil5a:urily lnIUumehl HO\llt:VCT. thi$ option shan not be ~isai by I..cnda' if .~2 is prohibited by fcdtnllaw Ill: or the date oflhis Security I~c:nt. If l.cJIdcr ~~ tills option. LandcI shan sl",e ~r notiQ:; of ac:cch:utiol1 The notice shan pnmde . period of nDt 1c:N tbM 3D days from the ck1I1 the: not.lce is delivered ormai led within which BorroMll' must .-Y 1111 :sume ~ by Ibis Security IftllrUlDCDt. lf8onowet" fails. to pay these sums prior to Uw: eltpitation oftna period. Lc:Dder may ill'YoIce MY remedin penI1itta:l. by thi, Security Insh'Ument without furlhCI" Mti~ or demand Of! Borrowt:l". _BIIOd5~72,.lC[ . 20 10/30/2005 11:03 71 72431850 MDWO PAGE 17/25 18.. Borrower'. Ript 10 Rdollatc. If&rrower mceb cenain conditioru:. BonvWC" shall have me ripE 10 bhe enfort:emcnt of tbiJj St:a:urtly lDsaumau dia::ontinucd at....,.li~ prior 10 fbe earlier of. (I) 5. (or meb other period as appIiclble law 2M)' specify far n:instatemcut} bcfOftl"Jr; of the Propcd)' pur.111U11lO auy power ofmle &;on..u.cxt in this Sc=rIty lNtrumc:ot; 01 (h) Gntry of. jl&dsrneut r:u&lteilll dli& Security Imtrumcnt. ThOle cooditimu an: that BorrO"ol"Cr. (a) pay. Lcnd.et &ll sums wbich thai would be d&ae under thi~ Security lMIrumau and the Note a.d QO Iccelaaticm ~ (b) cures any default 0( any othm- c:avaUIIs or ~II; (e) pays all ex.~ inc;um;d in cnfOfC;iq rml Sa:uri1y Iustrumcm; imsludi:Qa. but not limital1O. ~ Dnamey&' fea; and (d) take. sur;h.aton aLencierrllll)'~J't'EIqUiRl to ~ d1at h Jilin af ibis Sa:urity lnsIIumea!. Lcrd::a'\I riahtl in thcl Pmp:ny ud &no-:n obliplian 10 JlllY the lIlarm; sccwcd by this Security InItrunlcDl abaU eaoboue ancbaIpd. Upon r........~ by Borrowa-, this S~ l~ &JHl tbl: obliptimu :IOCurcdhctc:h)' IbaU remain fully c:fra:tiWl lIS if 110 acczlcratian t.f oc:c:umxL However. this riJlht to ~~ _II not apply in the CUCl of a&:edcalian pder ~plul13 or 17. J'. A~daIl; RaIcdIa.. U:mdc:rsbaU p~ notiee to Bonu'M:l' prior1o~ followmg BonvWC!'$ brmdl ofmy CIIMlII4Dt or~ ill.lhi.s Sea.IriIy IDsbuznl:2It (but DOt]rior to KCelaabon underpin'" 13 ead J711DllllD ~1Il"w pIVlria othetw.illC). Leodm shall nolilY Borrower of. amons....!Nap: (a) the dt:fiaWI; (b) tbc aariaa. ~nxl to ~ the dcfiw.lt; (c) wilen lhede&ultmUlt be and; aDd (d)1hat wllllC tDCI1teThe cWault D IpeCiliailllllYR:SUItin aa:eleration ofthc IlI1I'Il ~ by Ibis ~J~ fom:lllillJle b1 j\ldicial pnx::IIlrJdiDland sale oCtile Pm~. LcDder shall flIrUulr inform. Bor",~ uftbc riFt totcind* after Ila:Cllntion and the riJbt to arcrt ill 1hc forecloRln' praceedin8" dv; ~ Df. default .. IPIY othu defeDE ofBonowcr to IIfXelcrman IUId tbc ript UlIIQllDt iJt thr: fan:s:1MUl'e ~ the POIl- c~ of. default or ...,. GIber dafmae of Borrowa' ID a.c:cz.IllD.tian m:I farr;cIoImc. If the deflw)t IS not c:arcd e specified. .L.cadm- c its optiOIl. DMY RlQWItl imnwdU&tc payment iD full of .u awna ~ured by thi$ Security lnlrtnum:m without fw1lIm' demand uxlmay faftdosc this Security lft!tnuncnt by judlc:ial ~ LcIIdcr IlaU be: CDtitlcd to. at1onICy8' tees and com of ti1le' cvidtw:e t111bc extent permittat by applicable "w. 20.. I..cddcr Ja ra.-IoL Upon aa:clenuion IIIIdI:rpllBlP1l:lh 1901' Dudoomcnt ot'tiJe P:mpmy, Lendcr(in pcnDII. byqcnarbyjudicialb appoda:d.ftCei.cr) lhall be l:ISIiUed to tmfQ' ~pm, tab pouc:ssion of ad IIIlIIIIIII' t1z Proparty IIIld 10 c:ullr.d rho ttnU ofthc Property includiq lhase pat due. AIry n:nu collec:lal by LclIIdm' CJrt!lc m:cMrshall be IIIlPtilllfint Iv ~ oftbe COIls oflnlJllAll~orthePmpcJty ad collect1on cd'n:nts. iacbldiaJ. but DOt Jimjg,d, ~ll fees. premiums an tr.'I:II:iwn bcmds IIDd ~e aaameys' fea. aDd thalto 1bc JUDl.1 secumJ by this S~l)' JmInInJm1t. 21. lUlcuc. Upon paymCllt or.n IUIIU :ilcam:xlby Ibis Scx:mrily histmmcnt, l..cnder nil di3Charge thi!: Sccwity 1ll5trumcnt without cluli'ee to 'Bonower. Borrower iball pa)' any recunilltion com. ,lIDori512'Ir.t , 21 10/30/2005 :1:03 n 1L43Hl~l:1 MDWU r'AlJl:: Itl/L'b - ;u. ItdaaDIaUDII'a1.8cL Bottowcr'llima w rc:iDldaIz: pnwicbl in ~ 18 ,ball extend to OOG hoPt pdor to the alIDmcnclClIIICIJIl oCbiddilllll a Ib8ritrl ale or otlIar ..1. purIIIIIlt liD this Sa:un1y InatnInleIlt. 13, PlarduM Melley Mor1pp. If UI)' oflbtl,1Icbt1lClQll'tld byfhDSa;urily lnldtumcnt i, lent to 801'rawerto llCItuift: title to ~ Propany, lhi. SccuI'ity Jalnnm;nt _11 be & purchae money morTpJt:., 24. IIIkftIt ~ AftI:r J.dplCDL Bortuwa aarea d..11:b1l intII::n:strl!e ~IClIfW. jualsm= il eD1lIn:d on the Neb: or in .. .mion of martpJC fora:Iosun; 5ba11lle the lap! laic:. 25. JUrtIIa' Obll"dAD fJrJlamrwer. Bcmawcr md l..c:axk:r ba.~ eaten:d into a cc:nain Ript of Fim Rafusal mid Sbmld Appraciatieo. AplIlIDIlDl dafIld tile same dalIl .. tbis Security IrdIOU1Imf. and BornnIa' Il&I'CICI thII. any EtuIII (IT ~ptI!d br.ch Dr'viobdJou by Bonvwcr of It.t ~ sbl,U he a detiwJt undtrthill Seamty IlIItnImcOtand.JW1 entitle l.a1dcr-to crercisc all of it. righm lUldI:r this Sllc;urily lnatrun1mt. ilIcludiDi IlCCc:le'l1lliQIL BY SIGNING BBLOW. Bono",," ECCptI and aptlCII to tho tImJII mid COVl::lWl~ aJntainod in Ibis 9a;urity baItruPI=- ~~ ~4~. 1'.dJyL.}.(i (Seal) COMMONWEALnI OF PENNSYLVANIA ) ); .. COUNTY OF CUMBERL.AND ) On this, the 23. day of SeJ*mbcr, ]~, bdorc rnc:.. the undE:giptld offica. pCJSOI.lly Ippc;anxl KA. THY L, MIUBR. known &0 me (or ..ti.'........riIy pmven) 10 be the pedlQn whose IIame is sllblaibod to the Millin illltrUlMllt. ud ac:knowIr:diDd thac she QOCutal the ,.ole (or- the purposes therein canraincd. IN WITNESS WHEREOf./_ ;;,;.... .ma.I_1. l1~? .IIDod512 PO" . 22 IClCW~1 .... ~N--'- ,....L--.-,~ ----- ~~ ~c:-~_..- ...-.~_..- ------. .........--.--- '.~.~_,.;r ~~ 3S~1f5 /l RIGHT OF FIRST REFUSAL AND SHARED APPRECIATION AGREEMENT TIllS AGREEMENT is entered into this 23Jd day of September, ] 999. between KATHY L. MILLER, Grantors, and CUMBERLAND VALLEY HABITAT FOR HUMANITY. INC.. a Pennsylvania non-profit corporation. Grantee. WHEREAS, the Grantors have purchased real estate located at 40 West Baltimore Street, Carlisle. Cumberland County. Pennsylvania ("the Real Estate"), from Grantee; and WHEREAS, it is a condition of the transferring of title to the Grantors that this Right of First Refusal and Shared Appreciation Agreement be entered into. . NOW, TIIEREFORE. in consideration oflhe promises and covenants contained herein and intending to be legally bound. the parties covenatl.t and agree as follows: 1, Right of Fint RefuuL a, Grant of the Right of Fint Refusal, In the event that the Grantors desire to sell the Real Estate within the defined tenn, they must fnt offer to sell said Real Estate to Grantee pursuant to the temlS and conditions of this Agreement. The offer to Grantee will be made in writing, all(l will be made befOOl the Grantors accept any offer to purchase from any third party. Grantee will have sixty (60) days from the date of receipt of the offer to accept or reject said offer. Any changes to sale price in the offer an: also subject to this Agreement. b, Term. This Right of First Refusal will expire, if not previously exercised, on November 1,2024. Co Price. During the first ten ),cars of the tenn hereof, the price at which Grantors shall offer to sell said Real Estate to Grantee shall be the sum total of all principal payments made, to the date oftbc: offer, by Grantors to Grantee pursuant to a certain Note dated the same date as this Agreement. plus the documented value. as detcnnined by independent appraisal, of any improvements to the property made by or at the expense of Grantors. During the, remainder of the tenn hereof, the price shall be as set forth in the offer to purchase from the third party. d, C10ling. In the event that Onurtee accepts Grantor's offer under this Agreement, the transaction will be closed lit the office of Grantee or its solicitor, on or before sixty (60) days from the date of acceptance of the offer. BOG.~ 6;.~.) PAGE 7-13 Exhibit ~"B" eo Taxes, Special Aaalaenta. aDd OtIIer Pro-Ratio.... All taxes on the Real Estate levied in the year of closing wiJl be pro-nrted at the settlement on the basis of net taxes for the preceding year. Any and all other liabilities and expenses accrued and unpaid or otherwise attributable to the owneribip and operation of the Real Estate, up to and including the closing date, will remain the n:sponsibility of the Grantors. Subsequent to the acceptance oftlte offer, but at least five (5) days prior to closing. the Grantors will deliver to Grantee a copy of the real estate tax bills and receipt for the preceding tax year sbowing pe.yntent. f. Convey..ee of Title. On the cl(lSing date, the Grantors will deliver to Grantee a duly executed special wananty deed for the Reel Estate fiee and clear of all liens and encumbrances except municipal and zoning ordinances, recorded assessments on the Real Estate, recorded building and use restrictions, and covenants. g, Effect of Conveyance CORtrUY to thb AveemeRt, Any conveyance of the Real Estate contrary to this Agreement will be null and void. In the event of such conveyance, Grantee will have the option, at anytime within three (3) years of actual notice of such conveyance, tel purchase the Real Estate from the title holder of record pursuant to the terms and conditions of this Right of First Refusal Agreement. 2, Shared Appreciation, a. Grant of Shared Appreciation, In the event that the Real Estate is conveyed or sold within the term specified in pal:'lpaph I he~f. the Grantors agree to shire the appreciation in value of the Real R'ltate with Grantee. b. i Shared Appreciation >>en_cd. The apJRCiation in value to be shared. is defined as the difference between the greater of the sales price or independently appraised value at time of SIde, and the original purchase price of FORTY SEVEN THOUSAND EIGHT HUNDRED EIGHTY AND XXII 00 Dollars ($47,880.00). Increase in fair market value or market appreciation due to additions and improvements paid for by the Grantors, as dc~ined by independent appnlisat, will not be subject to Grantee's right to shared appreciation. Co Term, Grantee's share of the appreciation in value during the first ten years of the term hereof shall be one hundred percent ( 1000/0). Grantee's share of the appreciation in value on tbe tenth anniveTSaJy of this Agreement will be 180IISOths, and will be reduced by Grantor's occupancy over time according to the following schedule, independent of any Mortgage indebtedness: Provided there has not occurred an event of default, as defined below, Grantee's share will be reduced on each monthly anniversary after the tenth anniversary of this Agreement by 111 80th of the amount defined in paragraph 2b. An event of default shall consist of any of the following: fl:JC:{ G~$ riM 7.t.j (I) the Grantors fail to tinlely make any payment due on their Mortgage and/or Note dated September 23, 1999; or (2) the Grantors have failc:d in the perfonnance of any of the covenants and conditions of thl:ir Mortgage and/or Note dated September 23, ] 999; or (3) the Grantors cease to CICCUpy the Real Estate for a period of more tlum ninety (90) consecutive days. d, Due Date. Shared apprecllation as defined in this Agreement is due and payable to Grantee at the time of conveyance or sale of the Real Estate. 3, Notices. All notices required under this Agreement will be sent via registered or certified mail, return receipt requcned, postage prepaid and addressed to the party to be notified as follows: Grantors: Kathy L. MilIer 40 West Baltimore Street Carlisle, PA 17013 Grantee: Cumberland Valley Habitat for Humanity. Inc. P.O. Box 147 Carlisle, PA 17013 4. nose Bound under Asreemeat. The word "Grantors" as used in this instnunent shall be deemed and construed to include the Grantors, their heirs. executors, administrators, and/or assigns. The word "Grantee" as used in this instrument shall be deemed and construed to include Cumberland Valley Habitat for Humanity, Inc., its successors andlor assigns. S. Colled'on, Protection. If, at Grantee's sole discretion, it becomes necessary to employ counsel to collect or enforce the terms oftbis agreement., the Grantors will pay Grantee. in addition to the above defined value of the Agreemc:nt., reimbUJ'liement for all attorney's fees and any other costs of colIection or enforcement. 6. Entire Undentudin2- This A~iJJ1CIlt represents the entire understanding by and between the Grantors and Grantee relative to Right! of First Refusal and Shared Appreciation on the Real Estate, and there arc no other tcnns, conditions, agreements, understandings, promises, or representations existing in this regard. 7, Ameadmeat. This Agreement may not be altered, contradicted, or amended except by a writing dated subsequent hereto and executed by the panies. !lOOK 625 rAGE 745 IN WITNESS WHEREOF, the Grantors and Grantee have caused this Agreement to be executed this 23n1 day of September, 1999. A TrEST: CUMBERLAND V ALLEY HABITAT FOR HUMANITY, INC. BY:_~ Title: pr;.e:s(j)~N( J~L~~ " WITNESS: ----K ~ ~~~.yY)~ Kathy L. . er w w en r1 -0 N c....:> ..:; ,..... f~ G: ;; ~;" ;; ~', ::> " COMMONWEALTH OF PENNSYLVANIA ) : S8. COUNTY OF CUMBERLAND ) ~ g'~~/: j-I. :;!: fT1 1-' ........ -I ,rl r7\ -"':0::0 ..... I u> cr:l "" ",. On this the 23n1 ~fSePtember, 1999, bcfi)1C me the undersigned officer, peBonally appeared fdu)O(c1 ? lchff:. who acknowledged that bclshc is the 1=nsI'du1-t. of Cwnbcrland Valley Habitat for Humanity, Inc., and that helsbe as such ~'cU.nt being authorized so to do, executed the foregoing instrumenlt for the puI'POllCS therein contained. COMMONWEALTH OF PENNSYLVANIA IN WITNESS WHEREOF, I hereunto set my hand and official sea] the day and year aforesaid. ~ t~ '~t\a~Ci',~, 'Mn. ~... .. -, .~ .... otary Pubhc ~~I.~'~~\ , '''~ [t:-'!. J~~"..., -:;,i<i IJ1dUfrCl-i' '1 ., e:: -:X:;f.':" ~. : 7. ~~O\~,Ilo~'_' ,..,?,.:::.,! ~ 0 \ ::l...... " '" . . %~ >:~ "':;~':.~::.:::~"~\ ~~/ ....~,v a:i ~rlO~'\~'" ....'t:.'tlll,"l"'r;. tl"'~\" '''l. ( ........... .... ) .....E.-~~o.unW ): . M/IIIlt, -:-~--..- Mf .,..,.... ........ ) ""'......~ COUNTY OF CUMBERLAND On this, the 23,d day of September, 1999, before me, the undersigned officer, personally appeared KATHY L MILLER., known to me (or satisfactorily proven) to be the person whose name is subscribed to HIe within instrument, and acknowll:dged that she executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. r-jhn1Jl"nt~ - ~Iblic ~;JG;\ GZS ii'l.E ~/-Hi ~......... ~"._I*IloIl'~ CllUI'llY ~ ~ Jl;"..-:;:'~ lIllI2 __~~ol~ .......... .........'~- ~~:;~;~$f;;': l "....,.. '-i!f'. \F\.c -~ ; ~"Wr'" ,\!::: - , '.;-i!1 . ' .1" ~ ::,iH ~ ~ r, II:' ~ \\~~!fT\~"~ _, I IOO23.2ro1f.1 ESTATE OF DONALD H, SCHWARTZ, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v, No. 06-4120 CIVIL TERM KATHY L, SMITH, aJk/a KATHY L. MILLER, Defendant CERTIFICATE OF SERVICE On this 29th day of November, 2006, I, Suzanne C. Hixenbaugh, Esquire, hereby certify that I served a true and correct copy of the foregoing PETITION TO RELEASE PROPERTY FROM LEVY via United States Mail addressed as follows: Estate of Donald H. Schwartz c/o Ivo V. Ott Martson Deardorff Williams & Ott 10 East High Street Carlisle, P A 17013 JMMPC Company 221 East Market St PO Box 832 Clearfield, P A 16830 Kathy L. Smith 40 W Baltimore St Carlisle P A 17013 Palisades Collection, LLC 4600 Trindle Road, 3rd Floor c/o Wolpoff & Abramson, LLP Camp Hill, PA 17011 SAID IS, FLOWER & LINDSAY By: OeM. S e C. Hixenbaugh, Esquire PAID No, 91641 26 W High Street Carlisle, P A 17013 (717) 243-6222 (') ~ t:J t-;5 Q~~~ i :"':: L~ ,~..i.,~1 :.=:" L"~ c~ 4':.: ~(=, ;p: i:o~ .2: __1 -< ,..."" C;'.;) '':::':> =" Z Co") ..c:;: N \0 -0 :s: ~ ~ -o~ :-.06 o -..-4::> ::r: =+~ (),,--,-.: .;:~~ ~ ~ .z;- '-0 , SAllIS, FLOWER & LINDSAY xrroItNE\'So,<<.\AW 26 West High Street Carlisle, PA NOV 2 9 200~V I~ -\ (T- ESTATE OF DONALD H. SCHWARTZ, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06-4120 CIVIL TERM KATHY L. SMITH, a/kIa KATHY L. MILLER, Defendant ORDER AND RULE AND NOW THIS I A ~ day of · ~006, it is ordered tbat the Sheriff Sale on the Judgment of the Estate of Donald H. Schwartz is Hereby stayed until furth~r order of this Court. A Rule is entered upon the Estate of Donald H. Schwartz, Palisades Collection, LLC and JMMMPC Company to show cause, if any they have why: A. The equity in the Property up to and including November 1,2009, does not belong to Petitioner; B. The Property should not be released from the lien of the judgments in favor of the Estate of Donald H. Schwartz, Palisades Collection, LLC and JMMMPC Company; C. A conveyance by Miller to Cumberland Valley Habitat for Humanity, Inc. or a mortgage foreclosure by Cumberland Valley Habitat for Humanity, Inc. prior to November 1.2009, shall not be free of the lien of the judgments of the Estate of Donald H. Schwartz, Palisades Collection, LLC and JMMMPC Company; D. Respondent should not pay to Petitioner reasonable counsel fees, costs and expenses. Service of this Petition, Order and Rule shall be made by the Petitioner by Certifif~d Mail. A hearing on the Petition is scheduled forW~ I_~. 2006 at ~3cL o'clock j!..ill. In Courtroom ...__'1___ ofthe Cumberland County Courthouse, Carlisle, Pennsylvanj(L / F-'jU:[''-'J~ j,:'-:'('I: I ._~J j IV~_ OF TH.r; DD:yrurW.u"'-"-ARY It- ,. I I.....,,, ~ ~ ,"~oj, '1 j , ZOOG DEe -4 AM 9: 00 CUl.f.Hc ".'.;1 CI\I !J\I'TV iY~...,q.....l ......., l., ~i,-., """_\..1 - J t PEN i'JSYLVAN iA F: IFILES\D A T AFILE\General\Current\ 1208 I. l.answertopetitiontore1easepropertyfromlevy Created: 5/31/06 (1:59AM Revised: 12/14/06 8:57AM ESTATE OF DONALD H, SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No, 06 - 4120 CIVIL TERM KATHY L. SMITH, aJk/a KATHY L. MILLER, Defendant PLAINTIFF'S ANSWER TO CUMBERLAND VALLEY HABITAT FOR HUMANITY. INC.'S PETITION TO RELEASE PROPERTY FROM LEVY AND NOW comes Plaintiff, Judy M. Wood, executrix of the Estate of Donald H, Schwartz (hereinafter "The Estate"), by and through her attorneys, Martson Deardorff Williams & Otto, and hereby answers the Petition filed by Cumberland Valley Habitat for Humanity, Inc, (hereinafter "Habitat for Humanity"), filed on November 29,2006, and in opposition to that Petition, avers as follows: 1. Admitted, 2. Admitted, however it is additionally noted that Ms, Kathy L. Smith, a/k/~ Kathy L. Miller, Palisades Collection, LLC, and JMMMPC Company are also Respondents in this matter, since a Rule was issued on December 1, 2006, upon all parties. 3, Admitted, 4. Admitted, 5. Denied, By Order of the Court issued on December 1, 2006, the sheriff sale has been stayed and is not currently scheduled for sheriff sale at any time in the future. 6. Admitted, 7. Denied. The Estate has no specific knowledge of Petitioner' s real estate practice other than the instant transaction. 8. The allegations contained in Paragraph 8 are legal conclusions and thus do not require a response. 9, Admitted. 10. Admitted. 11. Admitted. 12. After reasonable investigation, the Estate is without knowledge or information sufficient to form a belief as to the truth of the averments of Paragraph 12, 13. Admitted. 14. The allegations contained in Paragraph 14 are legal conclusions and thus do not require a response. 15, Admitted. 16. Denied, The document speaks for itself and any characterizations or conclusions drawn therefrom are specifically denied, 17. It is admitted that Palisades Collection, LLC, and JMMMPC are judgment creditors of Ms. Miller. All other allegations contained in Paragraph 17 are denied, 18, Paragraph 18 is denied because it calls for a legal conclusion, 19. It is admitted that the Estate did not attach the Agreement to the Writ of Execution, However, the Estate did disclose Habitat for Humanity's mortgage interest and does not believe that Habitat for Humanity's Agreement operates to prevent attachment to creditors, The Estate reads the Agreement to permit the difference between the original purchase price of the Property and the amount Ms, Miller paid off on the mortgage to be the amount that creditors can attach to through the execution process, NEW MATTER 20, Habitat for Humanity has not alleged a sufficient basis for an award oflegal fees either under the Pennsylvania Rules of Civil Procedure or the common law of the state, WHEREFORE, the Estate requests the court grant the following relief: a) Reinstate the Sheriff Sale for March 7,2006, and order that Habitat for Humanity pay the $1,500,00; b) Find that the difference between the original purchase price of the Property and the amount Ms. Miller paid off on the mortgage is equity that creditors may recover at sheriff sale, c) Maintain the liens currently on the Property in favor ofthe Estate of Donald H, Schwartz, Palisades Collection, LLC, and JMMMPC Company, and require that such liens be I _... satisfied at a conveyance, voluntary or otherwise, to the extent equity exists in the Property , d) Deny Habitat for Humanity's request for attorneys fees, Respectfully Submitted, :AR;;:]J~ Ivo V, Otto, III, Esquire PA Attorney J.D. No, 27763 Michael J, Collins, Esquire PA Attorney J.D. No, 200427 10 East High Street Carlisle, P A 17013 (717) 243-3341 Attorneys for the Estate of Donald H Schwartz Date: December 14, 2006 CERTIFICATE OF SERVICE I, Jacqueline A. Decker, an authorized agent of Marts on Deardorff Williams & Otto, hereby certify that a copy of the foregoing Plaintiff's Answer to Cumberland Valley Habitat for Humanity, mc,' s Petition to Release Property from Levy was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows: Kathy L. Smith 40 West Baltimore Street Carlisle, Pennsylvania 17013 Judgment Debtor Robert C, Saidis, Esquire Saidis, Flower & Lindsay 26 West High Street Carlisle, P A 17013 Attorneys for Cumberland Valley Habitat for Humanity, Inc. JMMPC Company 221 East Market St. P,O, Box 832 Clearfield, P A 16830 Judgment Creditor Palisades Collection, LLC 4600 Trindle Road, 3rd Floor c/o Wolpoff & Abramson, LLP Camp Hill, P A 17011 Judgment Creditor MARTSON DEARDORFF WILLIAMS & OTTO B~$n~~pdN Ten East High Street Carlisle, P A 17013 (717) 243-3341 Dated: December 14, 2006 9 ~ ~ c:::> <.:r' C'J rn ("") o ., ~ :r:., 1'l1p' ~r =gb ;~~.~ (~;, .c- ~ ~;~ ~A ~J :< ....r.) w -..J , .. F:\FILESIDA T AFILE\General\Current\12081.I ,ordertocontinue Created', 5131/06 11 :59AM Revised: 12/]8/06 9:2]AM ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06 - 4120 CIVIL TERM KATHY L. SMITH, a/k/a KATHY L. MILLER, Defendant IN RE: CUMBERLAND VALLEY HABITAT FOR HUMANITY. INC.'S PETITION TO RELEASE PROPERTY FROM LEVY AND NOW, on this 18th day of December, 2006, upon consideration of Habitat for Humanity, Inc.' s Petition to Release Property from Levy, the hearing currently scheduled for December 18,2006, at 1 :30p.m. is hereby continued and is rescheduled for February 1, 1. J.J-(~-o(g ~ .~ JU> FILEDO,:iICr: OF Tl-1E 2006 DEe 18 Pi; I: 2:5 .. tfARTSON DEARDORFF WILLIAMS & OTTO M!2W&to ATTORNEYS & COUNSELLORS AT LAW TELEPHONE FACSIMILE INTERNET (717) 243-3341 (717) 243-1850 www.mdwo.com WILLIAM F. MARTSON JOHN B. FOWLER III DANIEL K. DEARDORFF THOMAS 1. WILLIAMS. Ivo V. OTTO III GEORGE B. FALLER JR.. CARL C. RISCH DAVID A. FITZSIMONS CHRISTOPHER E. RICE JENNIFER L. SPEARS HILLARY A. DEAN MICHAEL 1. COLLINS SETH T. MOSEBEY 10 EAST HIGH STREET CARLISLE, PENNSYLVANIA 17013 'BOARD CERTIFIED OVll TRIAL SPECIALIST December 18, 2006 HAND DELIVERY Honorable Edgar B. Bayley Cumberland County Courthouse One Courthouse Square Carlisle, P A 17014 RE: Estate of Donald H. Schwartz. v. Kathy 1. Smith alk/a Kathy 1. Miller No. 06-4120 Our File No. 12081.1 Dear Judge Bayley: By agreement of the parties, please continue the hearing currently scheduled for today at 1 :30 p.m. to February 1,2007, at 1 :30 p.m. For the Court's convenience, we have attached a sample court Order for your signature. Very truly yours, MAR~S~~ DE~ORFF WI ~rr;, Michael 1. Collins MJC/mmp Enclosure cc: Jerry R. Duffie, Esquire Robert C. Saidis, Esquire Ms. Kathy Miller JMMPC, Company W olpoff & Abramson, LLP F:IFILESIDA T AFILElGeneraIICurrentI12081.I.jeb I N FOR MAT ION · A D V ICE . A D V 0 CAe y 8M Estate of Donald H. Schwartz VS Kathy L. Smith alk/a Kathy L. Miller In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 2006-4120 Civil Term Shawn Harrison, Deputy Sheriff, who being duly sworn according to law, states that on October 18,2006 at 2013 hours, he served a true copy ofthe within Real Estate Writ, Notice and Description, in the above entitled action, upon the within named defendant, to wit: Kathy L. Smith a/k/a Kathy L. Miller, by making known unto Kathy Smith personally, at 40 W. Baltimore St., Carlisle, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and correct copy of the same. William Cline, Deputy Sheriff, who being duly sworn according to law, states that on October 13,2006 at 0838 hours, he posted a true copy of the within Real Estate Writ, Notice, Poster and Description, in the above entitled action, upon the property of Kathy L. Smith alk/a Kathy L. Miller located at 40 West Baltimore St., Carlisle, Cumberland County, Pennsylvania according to law. R. Thomas Kline, Sheriff, who being duly sworn according to law, states he served the above Real Estate Writ, Notice, Poster and Description in the following manner: The Sheriff mailed a notice of the pendency of the action to the within named defendant, to wit: Kathy L. Smith alk/a Kathy L. Miller, by regular mail to her last known address of 40 West Baltimore Street, Carlisle P A 17013. This letter was mailed under the date of October 23, 2006 and never returned to the Sheriffs Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned STAYED per instruction from Attorney Michael Collins. Sheriff's Costs: Docketing Poundage Posting Bills Advertising Law Library Prothonotary Mileage Certified Mail Levy Surcharge Law Journal Patriot News Share of Bills 30.00 9.43 15.00 15.00 .50 1.00 8.80 7.54 15.00 20.00 149.00 194.18 15.94 Total 481.39 ./ ~ /JjrJljD' So ~s;,e~. ~ ~!~:;r~/~ R. Thomas Kline, Sheriff BY Real '\,<{b '/;'iJD CK.'7 4?;>> / fl., J' 70 0> ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No, 06 - l.{( 1-0 CIVIL TERM KA THY L. SMITH, a/kJa KATHY L. MILLER, Defendant AFFIDAVIT PURSUANT TO RULE 3129,1 AND NOW, comes Judy M. Wood, Judgment Creditor, by and through her attorneys, MAR TSON DEARDORFF WILLIAMS & OTTO, and sets forth as of the date ofthe praecipe for the writ of execution was filed the following information concerning the real property located at: 40 West Baltimore Street, Carlisle, Pennsylvania (tax parcel number 04-22-0483-069). This affidavit is filed pursuant to Pennsylvania Rule of Civil Procedure 3129.1, and follows the Praecipe for Writ of Execution filed by Judgment Creditor on July 20, 2006, in the above captioned matter. Judgment Creditor avers as follows: 1. Name and address of owner(s) or reputed owner(s): Kathy L. Smith a,k.a, Kathy L, Miller 2, Name and address of judgment debtor(s) in the judgment: 40 West Baltimore Street, Carlisle, Pennsylvania Kathy L, Smith a,k.a, Kathy L. Miller 3, Name and address of every lien and mortgage holder on 40 West Baltimore Street, Carlisle, 40 West Baltimore Street, Carlisle, Pennsylvania Pennsylvania (tax parcel number 04-22-0483-069), in order of priority: Cumberland Valley Habitat for Humanity, Inc, 26 West High Street P,O, Box 147 Carlisle, Pennsylvania 17013 lWortgage, Attached as Exhibit "A" Cumberland Valley Habitat for Humanity, Inc, 26 West High Street P.O, Box 147 Carlisle, Pennsylvania 17013 Deferred Loan Agreement, Attached as Exhibit "B" 4. Name and address of other creditors of Judgment Debtor: American General Financial Services 6 S, Hanover Street Carlisle, P A 17013 District Justice Judgment of $5,873,08 entered on 9/20/04, Attached as Exhibit "C" 5. Plaintiffhas no knowledge of the existence of any other person who has any interest in the real property mentioned in this affidavit. MARTSON DEARDORFF WILLIAMS & OTTO , ,l f J' .... ~ ; l ~ i . v, "" , By' ,: V; U:/ii .~~/..,': . V' -" j Michael J. Collins, Esquire I r / 'j~ ,---- J ,2006. COMMONWFALlH 01 PENNSYLVANIA Notarial Seal /li!ary M. Price, Notary Public Carlisle ,Boro, Cumberland County My Commission Expires Aug. 18,2007 Member, Pennsylvania ASSociation of Notaries " EXHIBIT A . , " ";.,,.g> ,SA Lftf ;'/ MORTGAGE TInS MORTGAGE (WSecurity Instrument") is given on Septcmber 23, 1999. The mortgagor is KATHY 1. MILLER. whose address is 40 West Baltimore Street, Carlisle, Cumberland County, Pennsylvania 17013 ("Borrowcr"). This Security Instrument is given to CUMBERLAND VALLEY HABIT AT FOR HUMANITY, INC., a Pennsylvania non-profit corporation with mailing address of P.O. Box 147, Carlislc, Cumberland County, Pennsylvania ("Lendcr"). Borrower owes Lender the principal sum of FORTY SEVEN TIlOUSAND EIOHf HUNDRED EIGHTY AND XX 1100 Dol1ars (U.S. $47,880.00). This debt is cvidenced by Borrower's note dated the same datc as this Security Instrumcnt ("Note"), which provides for monthly payments, with thc ful1 debt, if not paid earlier, due and payable on November 1,2024. This Security Instnunent secures to Lender: (a) the repayment ofthc debt cvidenced by the Note,and all renewals, extensions and modifications; (b) the payment of all other sums advanced wxIer paragraph 7 to protect the security of this Security Instrument; and (c) the performance of Borrower's covenants and agreemcnts under this Security Instrument and the Note. For this purpose. Borrower does hereby mortgage, grant and convey to Lendcr the fol1owing described property located in Cumberland County, Pcnnsylvania: ALL THAT CERTAIN lot of ground situate in the Third Ward of thc Borough of Carlisle. Cumberland County, Pennsylvania, bounded and described as fol1ows: - <.: t!:~~ llJ 01;'-' 6.. LU :z: ~;; ~;.,J :. -.:.a.. 0 I': CJo (,,) ~~: f.'; ~~ f.,: ('.l :5 I!.J lL: c: '..J 0 It.' g~~ 0:":' ;:) t'..... BEGINNING at a nail on the southern right-of-way Iinc of West Baltimore Street at the comer of lands now or formerly of Ernest L. Harder; thence along the latter, South 13 degrees 42 minutes 08 seconds West, a distance of 120.00 feet to an iron pin on the northcrn side of a 10.00 feet wide alley; thence along the latter, North 76 degrees 17 minutes 52 seconds West, a distance of 32.50 feet to an iron pin on thc ~linc of Lot No.2 on the hereinafter mentioned plan of Lots; thence along the latter, .....North 13 degrees 42 minutes 08 seconds East, a disIaoce of 120.00 feet to an iron .....pin on thc southern right-of-way line of West Baltimore Street; thence along the lElatter, South 76 degrees 17 minutes 52 seconds East, a distance of32.50 feet to a M nai.I, the PLACE OF BEGINNING. N ~ CONT AJNING 3,900.00 square feet and being described according to a tinal minor U;) subdivision plan for Cumberland Valley Habitat for Humanity,lnc., by Larry V. ~ Neidlinger, P.L.S., dated July 15, 1996, recorded in the Cumberland County , Recorder ofDceds Office in Plan Book 73, Page 5, and being clcsignated thereon as Lot No. 1. .BooK1572,ACE 15 '. TOGETIIER WITH all the improvements now or hereafter erected on the property, and all elllements, rights, appurtenances, rents, royalties, mineral, oil and gaa ri&IRs and JrOfits, ~er rights and stock and all fixturell now or hereafter a pert of the property. All replacements and additions shall also be c:overed by this Security Instnunent All oftbe foresoins is referred to in this Security Instrument as the "Property. " BORROWER COVENANTS that Borro~ is lawfully seized oft.he estate hereby conveyed and has the right to mortpge, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record Borro~ warrants and will defend generally the title to the Property against all claims and demands, subject to any encumlnnccs of record. Borrower and Lender covenant and asree III follows: 1. P.ymeat of Priadpal; Prepar-t .... Late CU..... Borro~ shall promptly pay when due tbe principal of the debt evidenced by the Note and my Iatc char&es due under the Note. 2. Fuads for T Illa .nd Iuuraaee. Subject to applicable law or to a written waiver by Lender, Borrower shall pay to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum ("Funds") equal to ono-twelfth of; (.) yearly tues and UICIIIIlCDIs which may attain priority over this Security Instrument; and (b) yearly hazard insurance premiums. These items are called "escrow items.. Lender may esUl1IIlC the Funds due on the basis of current data and reasonable estimates of future escrow items. The Funds shall be held in an institution the depoIits or ICCOWlts of which are insured or guaranteed by a federal or state asency. Lender sbaIl apply the Funds to pay the escrow items. Lender may not charge for holding and applying the Funds, analyzing the account or verifying the escrow items, unless Lender pays Borrower interc.st on the Funds and applicable law pennits Lender to make such a charge. Borrower and Lender may agree in writinl that interest shall be paid on the Funds. Unless an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borro~ any interest or eaminlP on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds showina credits and debits to the Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for the sums secured by this Security Instrument If the amount of the Funds held by Lender, together with the future monthly payments of Funds payable prior to the due dates of the escrow items, shall exc:eed the amount required to pay the escrow items when due, the excess shall be, at Borrower's option, either promptly repaid to Borrower or credited to Borrower on monthly payments of Funds. If the amount of the Funds held by Lender is not sufficient to pay the escrow items when due, Borrower shall pay to Lender any amount necessary to make up the deficiency in one or more payments as required by Lender. BOO. 1572 PAC( 16 . . Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. If under paragraph 19 the Property is sold or acquired by Lender, Lender shall apply, no later than immediately prior to the sale of the Property or its acquisition by Lender, any Funds held by Lender at the time of application as a credit against the sums secured by this Security Instrument 3, AppllClltlon of Payments, Unless applicable law providcs otherwise, all payments received by Lender under paragraphs I and 2 shall be applied: first, to late charges due under the Note; second, to amounts payable under paragtapb 2; and lut, to principal due. 4, Cbarpl; Lie... Borrower shan pay all taxes, assessments, clwgcs, tines and impositions attn'butable to the Property which may attain priority over this Security Inmument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower sball pay them on time directly to the penon owed payment Borrower shalI promptly furnish to Lender all notices of amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower. (a) agrees in writing to the payment of tile obligation secured by the lien in a manner acceptable to Lender; (b) CODtests in good faith the lieD by, or defends apinst enforcement of the lien in, lep! procecdinp which in the Lendets opinion operate to prevcntthccnforcement of the lien or forfeiture of any part of the Property; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument If Lender detennines that any part of the Propcny is subject to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifYing the lien. Borrower shall satisIY the lien or take one or more of the actions set forth above within 10 days of the giving of notice. Borrower .ball Dot permit a aeeoad mortpge or tile Ilea of uy otlaer nbordiDate filWlc:iD& to be placed against tile property Cor five yean from the date of the Note. 5. Hazard huuraDce. Borrower shall keep the imprD'lClllCDts IIOW existing or hereafter erected on the Property insured against loss by fire, hazards included within the tenn "extended coveragc"' and any other hazards for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. Tbe insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which sball not be unreasonably withheld. All insurance policies and renewals shall be acceptable to Lender and sball include a standard mortgage clause. Lender shall have the right to hold the policics and renewals. IfLendcr requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the evcnt ofloss, Borrower Iha1l give prompt notice to the insurance carrier and Lender. Lender may make proof ofloss if not made promptly by Borrower. Bood572'IGE 17 Unless Lender and Borrower otherwise agree in writing. insurance proceeds sIwIl be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lcnder's security is not Jcaencd. If the restoration or repair is not economically feasible or Lender's security would be leaened, the illSW'ance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or docs not answer within 30 days a notice from Lender that the insUI1lllce carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30-day period will begin when the notice is given. Unless Lender and Borrower otherwise aarcc in writing. any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of the payments. If under perasraph 19 the Property is acquired by Lender, Bonower's right to any inauruce policies and proc:ecds resulting from damage to the Property prior to the acquiJition shall pus to Lender to the extent of the sums secured by this Security Instrwncnt immediately prior to the acquisition. 6. Praervation .nd Malntellaaee or Property; Use u Princ:lpal Resldeac:e. Borrower shall not destroy, damage or subJtantially change the Property, allow the Property to deteriorate or commit wute. Borrower shall occupy the Property at all times as a principal residence and shall not1cue the Property or any portion of the Property to any person. 7. Protection of Leader's Rillatlln tile Property; Mortpp lnauranee. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affec;t Lender's risltts in the Property (such as a proceeding in bankruptcy, probate, for condemnation or to enfoo:e laws or regulations), then Lender may do and pay for whatcYer is necessary to protect the value of the Property and Lender's rights in the Property. Lender's actions may include pafins any sums secured by a lien which has priority over this Security Instrument, appearing in court, paying reasonable attorneys' fees and entering on the Property to make repain. Althqugh Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by this Security Instrument Unless Borrower and Lender agree to other terms of payment, these amounts shall be payable upon notice from Lender to Borrower requestins payment 8, Inapection, Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifYing reasonable cause for the inspection. 9. Condemnation, The proceeds of any award or claim for damages, dircct or consequential, in conncction with any condemnation or other taking of any part of the Property. or for conveyance in lieu of condemnation, arc hereby assigned and shall be paid to Lender. 'Bood572rACE 18 In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property, unless Borrower and Lender otherwise agree in writing. the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction: <a> the total amount of the sums secured immediately before the taking. divided by (b) the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. If the Property is abandoned by Borrower, or if, after notice by Lender to Borrower that the condemnor otTers to make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to rcstomion or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. Unless Lender and Borrowcr otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in )JBI'B8I1lphs I and 2 or change the amount of such payments. 10, Borrower Not Releued; Forbeannee By Leuder Not a Waiver, Extension of tile time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any suc:ceuor in interest ofBorrower sball not operate to releue the liability of the original Borrower or Borrowcr's successors in interesl Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modifY amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 11, Succ:eIIOn and Auign. Bound; Joint and Sevenl Uablllty; CHignon. The covenants and agreements of this Security Instrument shall bind and benefit the successors and assigns ofLcndcr and Borrower, subject to the provisions of paragraph 17. Borrowers covenants and agr=nents shall be joint and several. Any Borrower who co-sians this Security Instrument but does not execute the Note: (a) is co-siping this Security Instnuncnt only to mortpgc, grant and convey that BorroweJ's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrowcr may agree to extend, modUY, forbear or make: any accommodations with regard to the terms of this Security Instnuncnt or the Note without that Borrower's consent 12. Loan Cbal'lrs. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the loan charges collected or to be collected in connection with the loan exceed the permitted limits, then: (a) any such loan charae shall be reduced by the amount necessary to reduce the charge to the pcnnitted .8~1l<<1572'.G( . 19 limit; and (b) any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund byrcducina1bc principal owed under the Note or by making a direct payment to Borrower. Ifa refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charac under the Note. 13, LeclalatloD AffeeUaa Lellder's llipll. If enactment or expiration of applicablc laws has the effect of rendering any provision of the Note or this Security Instrument unenforceable according to its terms, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument and may invola: any remedies permitted by parqraph 19. If Lender exercises this option, Lender shall take the steps specified in the second paragraph of paragraph 17. 14. NoticeL Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the Property Address or any other IIddress Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower, Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paraaraph. IS. Goverailll Law; Severability. This Security Instrument shall be sovcmed by fcdcra1law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicablc law, such conflict shall not affect othcr provisions of this Security Instrument or the note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Notc are declared to be severable. 16. Borrower's Copy, Borrower shall be given one confonned copy of the Note and of this Security Instrument 17. Transfer oftlle Property or a Beaefaclall.terest I. Borrower. Ifalloranypartof the Property or any interest in it is sold or transferred without 1eDder's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instnuncnt. However, this option shall not be cxercised by Lender if exercise is prohibited by fedcrallaw as of the date of this Security Instrument. If Lender exerciscs this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period ofnotlcss than 30 days from the date the notice is delivered or mailed within which Borrower must pay all swns secured by this Security Instrument. If8orrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies pcnnitted by this Security Inslnlment without further notice or demand on Borrower. 800d572,JC( . 20 18. Borrower's Rl&bt to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security lnsb'Ument discontinued at any time prior to the earlier of: (a) S days (or such other period as applicable law may specify for reins1atement) before sale of the Property pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judlll1lent enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note had no acceleration occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument; including. but not limited to, reasonable attorneys' fees; and (d) takes such action as Lender may reasonably require to lISSure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums secured by this Security Instniment shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under paragraphs 13 or 17. 19, Acceleration; Rcmedlea. Lender shall give notice to Borrower prior to acceleration following Borrowel's breach of any covenant or agreement in this Security lnstJUment (but not prior to acceleration under paragraphs 13 and 17 unless applicable law provides otherwise). Lender shall notify Borrower of, among other things: ea> the default; (b) the action required to cure the default; (c) when the default must be cured; and (d) that failurc to cure the default as specified may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. Lender shall flU1her inform Borrower ofthe right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to aeceleration and the right to assert in the foreclosure proceeding the non- existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to, attomeys' fees and costs of title evidence to the extent permitted by applicable law. 20, Lender In Pouaaioa, Upon acceleration Wlderparagraph 19 or abImdonment of the Property, Lender (in person, by agent or by judicially appointed receiver) sball be entitled to enter upon, take possession ofand manaac the Property and to collect the rents of the Property including those past due. Any rents collected by Lender or the receiver shall be applied first to payment of the costs of management of the Property and collection of rents. including, but not limited to, receiver's fees, premiums on receiver's bonds and reasonable attorneys' fees, and then to the awns secured by this Security Instrument 21, Release. Upon payment of all sums secured by this Security lnstnunent, Lender shall discharge this Security Instrument without charge to Borrower. Borrower shall pay any recordation costs. BoodS72raCl , 21 22, RelaatateaeDt Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one hour prior to the c:ommcnc:cment ofbiddinllllt a sherifl's sale or other sale pursuant to this Security Instrument 23. PurclJue MODey Mortp&c. Ifany ofthcdebtsc:curcd by this SecurityInstrwncntis lent to Borrower to acquire title to the Property, this Security Instrument shall be a purchase money mortgage, 24. IDterat Rate After JudlPDent. Borrower agrees that the interest rate lJlYIIble after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the legal rate, 25. Further Obllptloll of Borrower, Borrower and Lender have entered into a cct1ain Right of First Refusal and Shared Appreciation Agreement dated the same date as this Security Instrument. and Borrower agrees that any actuaI or attempted bra8ch or violation by Borrower of that Agreement shall be a default under this Security IlIItrwnent and shall entitle Lender to exercise all of its rights under this Security Instrument. includina acceleration. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument _~3:-- ~~~.yn 0 0 IUV Kathy 1. Mi r (Seal) COMMONWEALTIl OF PENNSYLVANIA ) ): IS. COUNTY OF CUMBERLAND ) On this, the 2301 day of September. 1999, before me, the undersigned officer, personally appeared KATHY L. MIlLER, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument. and acknowlcdacd that she executed the same for thecpurposes therein contained. IN WITNESS WHEREOF, I hereunto ~ hand and official seal. 'OJwfJ r ~ J Boo<<1572 'aCr , 22 (5 ..uuttl~".~ O:;l.'/~.: ", '" rf'zu~,,- '4.J~' .' .:'7: \(,~o;.""'~e;, vA\ ~'~., '" .~~ '0" ....\ Q" . ""::; .~ r:- "e.'~~. o,Jio.,,;, ...:. ".'.~ .. ....or. '1'J'O'" ....~ 'A .(....~\. . ..'U ~ {~ ,"p IOOl.l.lraonpp.1 ._.....~.._. --.. --.--- '..:;.',..',;l -- _e. _-,NIIo __""".~CCulIY ..,~-_..- 11_,-.......-"'- EXIlIBI1' B ~ \~ 1, 7 L/?'1 14~ ROBERT P. ZIEGLER CU~ECORDfP. OF DEEDS BERLAND COUNTY-PA '99 OCT 11 PM 3 30 DEFERRED LOAN AGREEMENT TInS AGREEMENT, mlde and entered into tbiJ 23rd day of September, ]999, between Kathy L. Miller of 141 B. Louther, Carlisle, hereinafter called Buyer, and the Borough of Carlisi 0. Cumberland County, a nwnicipallUbdivilion of the Commonwealth of PeDlllY1vania, hereinafter called Borough. WHEREAS, the Housina and Community Development Act of 1974 provides funds for acquisition ofreal property through the Community Development Block Grant Program; and WHEREAS, the BorousIJ pursuant to reJolulion and tho regulationl and conditions adopted by tho Borough, haI provided Community Development Block Grant funds to tho Cumberland Valley Chapter of Habitat for Humanity,1nc,. hererinafter called Non-Profit, for the acqulaltlon ofreal property for houling construction or rehabilitation in order to expand homeownorablp opportunitlea for low and moderate income houleholdl, as defined under Community Deve10pment Block Grant regulations; and WHEREAS, Non-Profit has purchased real property located at 40 W. Baltimore Street, Carlisle Borough. Cumberland County, with $17,262.00 in Community Development Block Grant fund. for said homeownership program; and WHEREAS, Buyer desires to use the benefita of the Community Development Block Grant Program for the purpose of acquiring rea1 property located at 40 W. Baltimore StrClet, Carlisle Borough, Cumberland County, which has been improved with a single family residence or rehabilitated by the Non-Profit; and WHEREAS, Buyer haI entered into an Agreement of Sale with the Non-Profit of even date henlwith, for said acquisition; and WHEREAS, the Borough In accordance with the said Act of 1974, adopted certain regulations and conditions with I'1lIpOct to grants made under theAct of 1974, and has appointed the Redevelopment Authority of Cumberland County itl agent for the administration of such grant program with authority to execute all documenta necell5lll')' to implement said program. NOW. THBREFORB, in said consideration of Aid grant, Buyer covenants and agrees that the doforred loan IhaIl beniilndocllf title to tho property located at 40 W. Baltimore Street, Carole Borough, Cumberland County, is sold. transferred, conveyed. or equitable Interest is extinguUhod within a period of five (5) Ylllll'S from the date of the annt agreement acc:ordlng to the following lien forgiveness fonnula. Tho grant amount shall be forgiven by one-sixtieth BOOK 627 PAliE 429 (1/60) of the original sum after the firat monthly anniversary date of the grant agreement and by one-sixtieth (1/60) on eacl1 aublCQllCllt moAtbIy &IlIIiverury date thereafter if: (1) the grantee(s) continues to reside in the property u their principii raidence. The grantee's principal residence shall be considered to be other than the property idClltified above if tho grantee is a resident in a nuning hol1l8. rehabilitation center, or peraonal care facility for a period longer than six consecutive months. In the CIVCIIt the property is conveyed or otherwise disposed of; or the gram. ceuee to utII1ze the pro)lCll1y u their principal place of residence, tho entire obligation wbich hu not been forgiven u per the above fonnula shall bo due and payable. In tho cue of the snntee's death, the property ceases to be their principal place of ruidence on the dUo of death, and foraivCllcss of the grant shall cease u of tho date of death. The CIIt1re gram UDClUIIt, such amouut u baa not been forgiven, shaI1 be due and payable upon conveyance of the property un1eaa: (1) a lineal descendant becomes the owner ofthe pro)lCll1y and agrees to ruide in the property as their principal residence unti1 the entire obliption is fcqiven puriuant to the above fonnula, or (2) Non-Prolit taka ownenhip from Buyer for IaIe to another iDcoIne-eIigib1e family under said bomeownenbip prosram. In the enol Non-Profit taka owaenbip of property, said property muat belOld within six months of conveyance to the Non-Profit. The full five-year forgivable deferred loan sha1I be rHJIIitIted for the subleqlHlDt Buyer of said property on the date secured with the fiUng ofappropriue documenta in the County's Recorder ofDeedJ and/or Prothonotary Office. No iDtereIt IbIIl be charsed on the loan amount. The Borous/1's interelt shall be wr the 1W1 UIOUDt of the Community Development Block Grant funds invested in the acqu1altion ofuid pro)lCll1y. However, at its discretion the Borough may drop this requirement at any time. WITNESS our Iw1dI and seala, the day and year aforesaid. WITNESS: BUYER(S): ~ ~ WITINESS: C()'Y1.! ~ nt...l ~ THE RFDBVBLOPMENT AU'IHORITY OF THE COUNTY OF CUMBBRLAND BOCK 62'7 PA~E 430 .' COMMONWEALTH OF PENNSYLVANIA ACKNOWLEDGMENT COUNTY OF CUMBERLAND ss On this, the d",'1rd dayof .septema!"" I 99L. before me, the undersigned officer, penonally appeared J.fnlhll t.... {hi ll-rr ( known to me (or satisfactorily proven) to be the,per5on(s) whose name(s) is/are subscribed to the within instrument and ac1cnowledged that " j{JP. executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. -- _E._-.yNllc __T_~CNllY loty~~Aug.II,- _,~AIIlIICiIIDftal- COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND sa On this, the MAd.., dayof fftrLAtILu. . .1992... before me, the undersigned officer, personally appearCd C istopher Gulotta, who acknowledged himself to be the Executive Director of the Redevelopment Authority of the County of Cumberland, a corpo....tion, and that he u such Executive Director, being authorized to do so, executed the foregoing instrument for the purpose therein contained by signing the name of the corporation be himself the Executive Director. IN WITNESS WHEREOF, I hereunto set my hand and official seal. BOOK 627 PAGE 131 EXU1B1'f C . COMMONWEALTH OF PENNSYLVANIA COUNTY OF: CUMBERLAND Mag. 015t. No.. 09~2~01 DJ Name: Hen. PAULA P. CORREAL Address: 1 COURTHOUSE SQUARE CARLISLE, PA Telephone: (717) 240 ~ 6564 17013-0000 AMERICAN GENERAL FINANCIAL SERVICES 6 S. HANOVER ST CARLISLE, PA 17013 (}l{- ~1a Q,l~" NOTICE OF JUDGMENTITRANSCRIPl CIVil CASE PLAINTIFF: NAME and ADDRESS _ fAMERlCAN GENERAL FINANCIAL SERVICES 6 S. HANOVER ST CARLISLE, PA 17013 L ~ VS. DEFENDANT: NAME a"d ADDRESS rsMITH, KATHY, ET AL. 40 W. BALTIMORE ST. CARLISLE, PA 17013 L -, .J a1&i_ ~ Docket No,; cv~ 0000301- 04 Date Fill3d: 8/19/04 " , THlS_~~Jg~~~TIFY. YO.U THAI~ . --. .. DEPAtJ'L'l' .mt>GM:Jtt,jttfp~TP 00 Judgment was entered for: (Name) "MR>>TC"Jq G~l~JT. If'TN, "NeT"T. S [iI Judgment was entered against: (Name) SMYTH, RRTK ANY PARTY HAS THE RIGHT TO "~FlEA!" vtITH!~;3G[lAYS AFTER THE ENTRY, ~F JUDGMENT BY FILING ~ NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF THE COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COpy OF THIS NOTICE OF JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR DISTRICT JUSTICES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE DISTRICT JUSTICE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE DISTRICT JUSTICE IF THE JUDGMENT DeaTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. . . ,\ \ q\ l' 'l" \.' \.' .........' \ / " ~.,... .' ~,.,~T...:: '''',. ~:- """" " " \ \ 1) .-/ I~I",:;.." . ... ......... ~ "" '\. :(.. .: .. .~.' .', . , Djstri,ct Justice .. ......" M' C ed~gs ~~tairijO~ the judgrt,ent. in the amount of $ c\, a73 OR on: D Defendants are jointly and severally liable. o Damages will be assessed on: D This case dismissed without prejudice. D Amount of Judgment Subject to Attachment/42 Pa.C.s. 98127 $ o Portion of Judgment for physical damages arising out of residential lease $ 9-20-04 Date I certify that this is a true 9-20-04 Date My commission expires first Monday of January, 2006 . AOPC 315-03 DATE PRINTED: 9/21/04 (Date 01' Judgment) Q/?O/04 (Date & Time) Amount of Judgment $ 5,676.45 Judgment Costs $ 196.63 Interest on Judgment $ .00 Attorney Fees $ .00 Total $ 5,873.08 Post Judgment Credits $ Post Judgment Costs $ ------------ ------------ 'Certifl~dJudgmet1t Total '$ ... , District Justice " SEAL 9:50:17 AM . . ' ~ ~ ~ ~ ~. ~_. ~ ~ ......... ~ ~ ~ 0 c.: ::,'''' ~ -.:Y c' - -D I,. .' - ~ r. ...c: 4J\ C.! C ~ --0 .' - ~ :,~ <:;) ~ '" ~ ~ "'\ ~ ~ , f ~ c:;> c::> ,J..- o ,-) ..-\ l'~ .- " :;' :2:: o -'ft .-l -r- ..:-_ -r\ 1\'\ f'''-' -()1'1' :1,)0 (2~ (~) 'r- -" <.~~. ~\~ ;.- 1'\'1 '-) :.., I~ r:"J ~<. - - C) 0.... C:: ~ , . ' CERTIFICATE OF SERVICE I, Mary M. Price, an authorized agent for Martson Deardorff Williams & Otto, hereby certifY that a copy ofthe foregoing Praecipe for Writ of Execution and Affidavit was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows: Kathy L. Smith 40 West Baltimore Street Carlisle, Pennsylvania 17013 Judgment Debtor MARTS ON DEARDORFF WILLIAMS & OTTO \, 'I \ Lit By ,l-\. l, Mary . Price Ten Iia'st High Street Carlisle, PAl 70 13 (717) 243-3341 Dated: July I 0 , 2006 INRE: ESTATE OF DONALDH. SCHWARTZ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. 21-05-0402 ORPHAN' S COURT DIVISION NOTICE OF SHERIFF SALE TO: KATHY L. SMITH 40 WEST BALTIMORE STREET CARLISLE, P A 17013 UMARTSON DEARDORFF WILLIAMS & OlTO IS A DEBT COLLECTING FIRM ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IF YOU HA VE PREVIOUSLY RECEIVED A DISCHARGE IN BANKRUPTCY AND THIS DEBT WAS NOT REAFFIRMED, THIS IS NOT AND SHOULD NOT BE CONSTRUED TO BE AN ATTEMPT TO COLLECT A DEBT, BUT ONLY ENFORCEMENT OF A LIEN AGAINST PROPERTy.... Your house (real estate) at 40 W, Baltimore Street, Carlisle, Pennsylvania 17013, is scheduled to be sold at the Sheriffs Sale on December 6, 2006 at 10:00a,m, in the Cumberland County Courthouse, South Hanover Street, Carlisle, PA 17013, to enforce the court judgment of $6,000,00 plus $30,00 costs obtained by the Estate of Donald H, Schwartz (judgment creditor) against you. In the event the sale is continued, an announcement will be made at said sale in compliance with Pa.R.C.P. Rule 3129.3. NOTICE OF OWNER'S RIGHTS YOU MAY BE ABLE TO PREVENT THIS SHERIFF'S SALE To prevent this Sheriffs Sale, you must take immediate action: 1. The sale will be cancelled if you pay to the judgment creditor the amount of the judgment plus applicable interest and costs. To find out how much you must pay, you may call: (717) 243-3341. 2. You may be able to stop the sale by filing a petition asking the Court to strike or open the judgment, if the judgment was improperly entered. You may also ask the Court to postpone the sale for good cause. 3. You may also be able to stop the sale through other legal proceedings. You may need an attorney to assert your rights. The sooner you contact one, the more chance you will have of stopping the sale. The contact information for the Cumberland County Bar Association is contained infra. YOU MAY STILL BE ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE, 1. If the Sheriff s Sale is not stopped, your property will be sold to the highest bidder. You may find out the price bid by calling (717) 243-3341. 2. You may be able to petition the Court to set aside the sale if the bid price was grossly inadequate compared to the value of your property. 3. The sale will go through only if the buyer pays the Sheriffthe full amount due in the sale. To find out ifthis has happened, you may call (717) 240~6390. 4. If the amount due from the Buyer is not paid to the Sheriff, you will remain the owner of the property as if the sale never happened. 5. You have the right to remain in the property until the full amount due is paid to the Sheriff and the Sheriff gives a deed to the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. You may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff within 30 days of the sale. This schedule will state who will be receiving that money. The money will be paid out in accordance with this schedule unless exceptions (reasons why the proposed distribution is wrong) are filed with the Sheriff within ten days after the distribution is filed. 7. You may also have other rights and defenses, or ways of getting your home back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, IMPORTANT NOTICE: This property is sold at the direction of the plaintiff. It may not be sold in the absence of a representative of the plaintiff at the Sheriffs Sale. The sale must be postponed or stayed in the event that a representative of the plaintiff if not present at the sale. CUMBERLAND COUNTY ATTORNEY REFERRAL CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 249-3166 [S :[ d S - DO qOOZ .' ;,_; '.; l, < .... ::.~,. i I :J:ll\f:1 j-;:; =<: J 0 TJ LLl i: ALL THA T CERTAIN lot of ground improved with a two-story residence situate in the Borough of Carlisle, Cumberland County, Pennsylvania; being Lot No.1 on the final minor subdivision plan for Cumberland Valley Habitat for Humanity, Inc., prepared by Larry V. Neidlinger, P .L.S., dated July 15, 1966, recorded in Cumberland County Plan Book 73, Page 5; having an address of 40 W. Baltimore Street, Carlisle; (parcel No. 04-22-0483-069); and being recorded in Cumberland County, Pennsylvania Deed Book 208, Page 209. F:IFILESIDATAFILEIGeneraIICurrentI12081.1.shortdescription Real Estate Sale #52 Writ No. 2006-4120 Civil Term Estate of Donald H. Schwartz VS Kathy L. Smith a/k/a Kathy L. Miller Attorney Michael Collins WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-4120 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due ESTATE OF DONALD H SCHWARTZ Plaintiff (s) From KATHY L. SMITH A/K1A KATHY L. MILLER, 40 W. BALTIMORE ST., CRLISLE PA 17013 (1) You are directed to levy upon the property of the defendant (s)and to sell REAL ESTATE LOCATED AT 40 W. BALTIMORE ST., CARISLE PA 17013 (TAX PARCEL NO. 04-22- 0483-069)(SEE LEGAL DESCRIPTION) . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $6,000.00 Interest FROM 7/18/06 @ $.99 PER DAY Atty's Comm % Atty Paid $82.00 Plaintiff Paid Date: JULY 20, 2006 L.L. $.50 Due Prothy $1.00 Other Costs $30.00 CURTIS R. LONG (Seal) Prothonotary By: Deputy REQUESTING PARTY: Name MICHAEL J. COLLINS, ESQ. Address: TEN E. HIGH ST. CARLISLE P A 17013 Attorney for: PLAINTIFF Telephone: (717) 243-3341 Supreme Court ID No. 200427 Real Estate Sale # 52 On September 08, 2006 the Sheriff levied upon the defendant's interest in the real property situated in Carlisle Borough, Cumberland County, P A Known and numbered as 40 W. Baltimore Street, Carlisle, more fully described on Exhibit "A" o 1\ 11 filed with this writ and by this reference incorporated herein. ~ Date: September 08, 2006 By' \:Jo~ rvfiJL Real Estate Sergeant Sf: :b 'V hI 8nV qOOl , :'1 .J' F:J~) I:,~ . J ._~ f U ~,J! . .) , I ::~I i .J .:~} i , .. THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot- News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever smce; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared in the 25th day(s) of October and the 1st and 8th day{s) of November 2006. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this staternent on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. PUBLICATION COPY S ALE #52 S;~;~.;~:;;;C}A~:~~~;~~.;;~~~;;,;;~; .;~~~.;:;;:. ,"#l.~; COMMONWEALTH OF ?ENNSYlVANlA NCt8riai Se;:d Terry L. husseii, Notary Public City Of Harri urg, 0 County My Commi Ion Exp,'. ne 6, 2010 REAL ESTATE SALE #52 Writ No. 2006-4120 Civil Term Estate of Donald H. Schwartz Vs. Kathy L. Smith 8/kJa Kathy L. Miller Atty: Michael Collins DESCRIPTION ALL THAT CERI~ot of ground improved with a two-story sidence situate in the Borough of Car' e, Cumberland County, Pennsylvania; hein Lot No. I on the final minor subdivision plan for C\Dnberland Valley Habitat for Humanity, Inc., prepared by Larry V. Neidlinger, PL.S., dated July IS, 1966, reconIed in Cumberland County Plan Book 73, page 5; having an address of 40 W. Baltimore Street, Carlisle; and being reconIed in Cumberland County, Pennsylvania Deed Book 208, page 209. Parcel #: 04-22-0483-00> CUMBERLAND COUNTY SHERIFF'S OFFICE CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA. 17013 PROOF OF PUBLICATION OF NOTICE IN CUMBERLAND LAW JOURNAL (Under Act No. 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF PENNSYLVANIA SSe COUNTY OF CUMBERLAND Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid, was established January 2, 1952, and designated by the local courts as the official legal periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly issued weekly in the said County, and that the printed notice or publication attached hereto is exactly the same as was printed in the regular editions and issues of the said Cumberland Law Journal on the following dates, VIZ: October 20, October 27 and November 3, 2006 Affiant further deposes that he is authorized to verify this statement by the Cumberland Law Journal, a legal periodical of general circulation, and that he is not interested in the subject matter of the aforesaid notice or advertisement, and that all allegations in the foregoing statements as to time, place and character of publication are true. REAL ESTATE SALE NO. 52 Writ No. 2006-4120 Civil Estate of Donald H. Schwartz vs. Kathy L. Smith a/k/ a Kathy L. Miller Atty.: Michael Collins ALL THAT CERTAIN lot of ground improved with a two-story residence situate in the Borough of Carlisle. Cumberland County. Pennsylvania; being Lot No. 1 on the final minor subdivision plan for Cumberland VaHey Habitat for Humanity. Inc.. prepared by Larry V. Neidlinger. P.L.S.. dated July 15. 1966, re- corded in Cumberland County Plan Book 73, Page 5: having an address of 40 W. Baltimore Street, Carlisle; (Parcel No. 04-22-0483-069); and being recorded in Cumberland County. Pennsylvania Deed Book 208. Page 209. SWORN TO AND SUBSCRIBED before me this 3 day of November, 2006 NOT ARI L SEAL LOIS E. SNYDER, Notary Public Car~sle 80m, Cumberland County My Commission Expires March 5. 2009 F: \FILES\DA T AFILE\General\Current\12081. 1.order.cont2 Created: 5/31/06 11:59AM Revised: 1/31/07 4:39PM ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06 - 4120 CNIL TERM KATHY L. SMITH, a/k/a KATHY L. MILLER, Defendant IN RE: CUMBERLAND VALLEY HABITAT FOR HUMANITY. INC.'S PETITION TO RELEASE PROPERTY FROM LEVY AND NOW, on this 1 st day of February, 2007, upon consideration of Habitat for Humanity, Inc. ' s Petition to Release Property from Levy, the hearing currently scheduled for February 1 st, 2007, at 1 :30p.m. is hereby continued and is rescheduled for Mafc 7, at 1 :3Op.m. BY T~O J. .......... >- -- cc. - t:f .- u~ ~~: :::: ~,~. f: ~ i~;~~ \" ::;d t.U co U- :.c (..:J \-_ u- u... ~ o '~-'" c-l t~~\\.11 '" .S'o; C":J~~ ' 0 'fJ\~' ~ rVIAllTSO?\; (lE:\RDORFF \:VILI,JAIVIS. ()'rTO (~ILRO' &FALL,ER MARTSON LAW OFFICES 10 EAST HIGH STREET CARLISLE, PENNSYLVANIA 17013 WILLIAM F. MARTSON JOHN B. FOWLER III DANIEL K. DEARDORFF THOMAS J. WILLlAMS* Ivo V. OTTO III HUBERT X. GILROY GEORGE B. FALLER JR. * CARL C. RISCH DAVID A. FITZSIMONS CHRISTOPHER E. RICE JENNIFER L. SPEARS MICHAEL 1. COLLINS SETH T. MOSEBEY TELEPHONE FACSIMILE INTERNET (717) 243-3341 (717) 243-1850 www.martsonlaw.com 'BOARD CERTIFIED CIVIL TRIAL SPECIALIST February 1, 2007 HAND DELIVERY Honorable Edgar B. Bayley Cumberland County Courthouse One Courthouse Square Carlisle, PAl 7014 RE: Estate of Donald H. Schwartz. v. Kathy L. Smith alk/a Kathy L. Miller No. 06-4120 Our File No. 12081.1 Dear Judge Bayley: By agreement ofthe parties, please continue the hearing currently scheduled for today at 1 :30 p.m. to March 12,2007, at 1 :30 p.m. For the Court's convenience, we have attached asample court Order for your signature. Very truly yours, MJC/mmp Enclosure cc: Jerry R. Duffie, Esquire Robert C. Saidis, Esquire Ms. Kathy Miller JMMPC, Company Wolpoff & Abramson, LLP F: \FILES\DA T AFILE\General\Current\ 1208 L 1 jeb2 I N FOR MAT ION . A D V ICE · A D V 0 CAe y SM F :\FILESIDA T AFILE\GeneraJ\Current\ 12081 \pr..settle/lde Revised: 3/9/07 3:50PM Michael J. Collins, Esquire Attorney J.D. No. 200427 MARTSON DEARDORFF WILLIAMS OTTO GILROY & FALLER MARTSON LAW OFFICES Ten East High Street Carlisle, P A 17013 (717) 243-3341 Attorneys for Plaintiff ESTATE OF DONALD H. SCHWARTZ Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. No. 06 - 4120 CIVIL TERM KATHY L. SMITH, a!k/a KATHY L. MILLER, Defendant PRAECIPE TO THE PROTHONOTARY: Please mark the above-captioned matter settled and discontinued, and the judgment satisfied. Date: 03(01 lor By Michael 1. Collins, Es Ten East High Street Carlisle, P A 17013 (717) 243-3341 51 ~~. \' ' r--:> ~:; -... ......:";.. :tJ'~ -...."'1' ....oJ N -::J _:~ ~ N o .....) ,-I !E -<