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Home My WebLink About94-00271 I -I c-' col I cil Z --.....~"..,-, ~'._I'~7.,j>"'-' " FARMERS TRUST COMPANY, Plaintiff v. : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW . . DOUGLAS L. GIBB and CATHERINE M. GIBB, Defendants . . IN MORTGAGE FORECLOSURE No. .2 71 CIVIL 1994 NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DE rEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKED THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator, Fourth Floor Cumberland County Courthouse Carlisle, PA 17013 Telephone: (717) 240-6200 . 1~ , 1 FARMERS TRUST COMPANY, . IN THE COURT OF COMMON PLEAS . Plaintiff . OF CUMBERLAND COUNTY, . PENNSYLVANIA v. . CIVIL ACTION - LAW . . . DOUGLAS L. GIBB and . IN MORTGAGE FORECLOSURE . CATHERINE M. GIBB, Defendants . No. .1. 71 CIVIL 1994 . COMPLAINT AND NOW, comes Farmers Trust Company, through its attorney, William A. Duncan, Esquire, and files this Complaint in Mortgage ForeClosure, of which the following is a statement: 1. Plaintiff is Farmers Trust Company, a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013. 2. Defendant, Douglas L. Gibb, an adult individual, and Defendant, Catherine M. Gibb, an adult individual, are husband and wife, and reside at 480 Centerville Road, Newville, Cumberland County, Pennsylvania 17065. 3. On or about August 19, 1988, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing Fifty-eight Thousand and 00/100 Dollars ($58,000.00), a copy of said note and said real estate mortgage being attached hereto as Exhibits "A" and "B", respectively, and are incorporated herein by reference as though fully set forth. 4. Said note and said real estate mortgage have not been assigned. 5. Douglas L. Gibb and Catherine H. Gibb are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated August 19, 1988 and recorded in the Cumberland County Recorder's Office in Deed Book "N", Volume 33, Page 498, a copy of which is marked Exhibits "c and attached hereto and made a part hereof by reference. 6. Said note and said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for the months of August, 1993 to December 1993. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated October 20. 1993, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 8. The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated October 20, 1993, a copy of which is marked Exhibits "F" and "G", and attached hereto and made a part hereof by reference. 9. By reason of the aforesaid default, the entire principal balance of Fifty-one Thousand Five Hundred ~ \A ~~G\A \-- William A. Duncan, Esquire Attoney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 Fifty-three and 89/100($51,553.29) Dollars, with interest thereon at the rate of seven (7.0) percent per annum computed from August 29, 1993 totalling One Thousand Thirty-three and 21/100 ($1,033.21) Dollars, charges in the amount of One Thousand Four Hundred Thirty-seven and 25/100 ($1,437.25) accruing insurance premiums, attorney's fees in the amount of Eight Thousand One Hundred Three and 55/100 (8,103.55) Dollars are now due and payable. 10. The Defendants are liable to the plaintiff for the following on said mortgage loan: A. Principal amount and interest due through December 19, 1993: $52,586.50 B. Interest at 7.0% from 12/19/93 to date ($9.31/day) 214.13 C. Late Charges: $ 1,437.25 D. Attorney's Collection fee: $ 8,103.55 TOTAL: $ 62,341.43 WHEREFORE, Plaintiff prays the Court enter judgment in favor of Plaintiff and order the foreclosure and sale of the mortgaged property and for the amount of Sixty-two Thousand Three Hundred Forty-one and 43/100 ($62,341.43) Dollars together with interest thereon, costs and all other amounts advanced by Plaintiff. VERIFICATION '" .fr^I-'/ I, Robert E. Rahal, hereby verify that I am ~ ~sistant Vice President of Farmers Trust company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. //,,,/':,{7 r C2"-/.../I Robert E. Rahal r:'. Vice President n:col::::~' :/','::'.:" ,,,r. fECt:; ':1',; ':. :.'lyj ,0 ., . ~ j" ". i ,_" MORTGAGE '8D AUG Z~ ullll ~3 e...urlllc "dJu.labl. R.I. Nole) TlUS MORTGAGE m.d.lbl. J2tb dey 01 AUGUST . 1.....8.8.-. bel....D.DOUCLLAS L. GIRR and CATH~nIN~ M. GlRB hto "If~ \."". wborelldeat..RP_'l. SoUa.. NfI!uvtl1f1l, ppnnA)'luantJl 1"'1 , MorIC.,o", ..d Farm... Tru.l Comp..y. wllb... 011I.. .1 CarU.I., P....'lvaal., Morlc.,", \\'UEIlEAS. Ih. ~Iortc'c.r., .. lb. Borro....., o.lhl. d.l. haY. ....uled ..d d.Uv.r.d to lb. Mortcac.., IIlh. L.nd.r, .n "dJu.l.bl. Ral. Nole I. lb. .um 01 FI FTY.~IGUIJIIOUSANn ANn No/IOO____________ I' S8 .nno .no ) Dalla.., h.r.lnall.rrel.rr.d Ia.. lh. "PrI.e1pal". provldlac lor JaI.relllber.oD allh. adJu.l.bl. rol. .p.e1I1.d Ih.r.l. and Ih. p.rlorm.n.. 01011 Ih. I."n., cov.n.ula ..d c.udlllo.. Ib.r.ln con- lal..d, all 01 whl.h b, Ihl. rel.r.n..lher.to ar. Ja.orporal.d h.r.ln and ,nad. a part h.r..I. {, ,"""", NOIY TillS INDENTURE IYITNESSETU, 1b.1 lb. Morl'.,...,'.r ..d In ....ld.r.lI.n ollh. PrI.e1pa' .nd lor Ih. boll.r ...urlng Iho p.'m.nllh...., unlo Ih. Mort,.,.., In dl..h.rl. olltld "dJu...bl. Rnl. N.I., h.r.. In.lI.rr.l.rr.d I. ..Ih. "Nol.", .nd lorand I. c...ld.rallo. o'lb.'urth.num 01 '1,00 W. d.te w.1I .nd Iruly p.ld to Iho Morll"o" by lb. M.rl,.,..,lb. r...lpl wh.r.ol I. b.r.by ..1u10w..dC.d, lb. ~Iortcaco.. do b.r.b, cro.I, b.rl.I., ..11, r.I...., ..nv.y.ud ..n/lrm unlo lb. Morllal.., ALL THAT CER'l'AlN I rac t of land SITUATE In West Pennsboro Township. Cumberland County. Pennsylvsnls, bounded .nd described as follows:- BEGINNING st a nsil. in the center line of Pennsylvania Route 233, said nail being locuted NORTH 38 degrees S7 minutes 47 seconds WEST, S08.09 feet along Pennsylvania Route 233 from an existing railroad spike at the intersection of the center lines of Township Rosd T-353 and Pennsylvani. Route 233. and at corner of lands now or formerly of Charles J. Heckendorn; THENCE along lands now or formerly of Charles J. Heckendorn, SOUTH 80 degrees 40 minutes 25 seconds WEST. 277.34 feet to an iron pin; THENCE contInuing slong lsnds now or formerly of Charles J. Heckendorn. NORTH 23 degrees 29 minutes 11 seconds WEST. 162.86 feet to an iron pin; TH~NCE along lands now or formerly of Herle R. Lsmason and continuing along landa now or formerly of William C, Hoose. NORTH 85 degrees 58 minutes 13 seconds EAST, 241.02 fest to a nail in the center line of Pennsylvania Route 233; THENCE along the center line of Pennsylvania Route 233, SOUTH 38 degrees 57 minutee 47 seconde EAST. 156.08 feet to a neil. the place of beginning. 8EING the same premiees which David R. Schoonover and Joenn H. Schoonover. hie wife by Deed dated even herewith end recorded in Cumberland County. conveyed unto Douglae L. Gibb and Cetherine H. Glbb. hie wife. in fee. EXHIBIT \.,- Ii bOo~ 914 PACE 86& '. . \"Y ("1... t,...... I I I ) j I I , \ 7. Th. Morl~g,gn' .ovrnonl., vrgnll... ond g~r..m.nl. .onllln.d 101111. Mort,o,. .holl b.l.colly bind, IDI opon lh. Mortco,orl, Ind .o.h .r Ih.m, Ind Iholr ro.p..Uv. p."on.1 r.pr...nIIUvn, h.ln, .0........ Ind "" .I,n.. Th. M.rlc.'..'. rlchl. .nd prh'II.,.. ..nl.ln.d I. Ihl. M.rlCo,. .halllDor. to Ih. b.n.lII.llba ~1.rI,al.e aad II. .o..e..." Ind ...I~n.. Thl. Morlcoc' .holl b. c.vern.d bylh. l.w.1 Ih. .1.1. I. whl.h IIld m.rt,l,.d premllc, arc located. If len tllIl" ''''0 Mortelcon ahaUllen (hIIMon,a", .U covea.all promlle. aad .,rcomenu, wbl.h Ir. drlw.I. Ih. plorol, .holl b. d..m.d to b. I. lb. .Incollr. PROVIDED ALWAYS, NEVERTIIELF.8S,IbIIIlIb. MorlIIC....hlll poy o.eo lbe M.rt'l,nlbe prt., dplland lIIe IDlerllllh.r..n 1.lh. m.n... a.d Illbe Umn .p.oIlI.d In IIld N.le I.d .hall I. III rllp.ele e.mply wllb aU .Ilba e.ye.anle, pr.mls.. I.d I,roemenle berelnbel... ...lIlnod, Iben We M.rt,l,e ahall become DuD and void 10 alIIDle.1e aDd porpo.... IN WITNESS WIIEREOF, Ih. Mort,o,.n blYI neeoled W. M.rt,a,albe dlY aDd year IInlaboYI writ- ten. llEALI WllDlla, llEALI (IEALI (IEALI COMMONWEALTII OF PENNSYLVANIA, COUNTY OF ---kUl1lltRl....ND OD lbl., lb. ..l.9.th day.1 _ ,1' .88 __, before IDe, -AJlOULy-_Puh14,. AugURt , lb. o.d.nl....d .lIIe.r, pen..ally appear.d _ .PQ!!stOIl. L ,_<11 bb IInd r.Jlthpr1De.. H_Gibb,.hia wUe.~ bon 10 m. (.r ..UoIaelorlly prov.al 10 be lb. pen.u. who.. nam'J1 .1rDm..I, and aekaowl.de.d Ihal -!JI.!Y_ n.ealed lb. .am. 10 h. po IN WITNESS WlIEREOF, I h.re.neo .eI my band and .r "61~llee Muldor, NOlsry Public Carllslo, PA Cumberland Co. My Commlealon Expires Doc. 28, 1991 I DEREBY CERTIFY Ibalthe preel.e re.ld..ee addre.. .1 lb. wll CluDberlaDcl Couly. PeODlylvanla II Will m,b Street, P. O. B.s no, CarU earu.1., ColDDlonwelllb,A1 P.ODIyll'!~a . / /1-1 Co\IIlI7 01 ( Ld!1..V.cr/o. '.0.. lIe<.rdod.nlbJJ aLl dlr.1 A'--9 A. D. 1. gr,m Ibe Reeord.r'. OIll...,..ld Coul7,m Mortla,. Book qIL(PIII "i3(P ") GlvaD DDda, IDrlwld IDd "II 01 eel. oIIIce \be dole abov, wrtUeD iOoK 014 PAtE 867 " , 58.000.00 I. BORROWERS' PROMISES TO PAY AUlluAt 19 ,1188_ . . ADJUSTABLE RATE NOTE NOTICE TO BORROWERS: TIllS NOTE CONTAINS A PROVISION ALLOWING FOR CHANGES IN TIlE INTEREST RATE. INCREASES IN TIlE INTEREST RATE MAY RESULT IN mGDER PAYMENTS, DECREASES IN TIlE INTEREST RATE MAY RESULT IN LOWER PAYMENTS. Por nlae reeelftd, lad Iateadla, to be le,llI)' boaad hereb)', the aadenlped, herelallter referred to u "Bar. rowen", JolaD)' aud levenll)', promlae to pi)' to the order of Flrmen Trail Compla)' of ClrUlle, PeDDl)'lnDla, lIerelaarter ealled "Leader", the Jail lam of J"JIfT,!-:EI.9!iT_TIIQUSAND AND N01!JlQ:------------------ It 58 .000.00 I doDan, whleb amoaal win be eaned "PrlDelpll", plu Iaterel!. !. INTEREST laterell from the dlte of WI Note will be ehlr~ed 00 the Prlaelpal or au)' 1IIIpald bllauee thereof lad lbaD eoo. UDae 111I111 the Prlaelpll bal beea paId 10 fall. Bornwen wID pa)' laterell III )'early rate of ____TEN (_10.00_%1 per eent, whleh lalerell rale will ehaa,e 10 leeordance with Seclloa 4 nf thll Nole aall1lhe 1010 repreleated b)' Ihll Nole ha. beea paId In full. Dorrowen' Intere.1 rate will be reviewed by Ihe Lender _ year(11 from Ihe date of Ihll Nole aad every year Ihereafter, nnd Ihe Lender may Increale or decrease the Interest rate on any luch review date. Each dale 00 which Ihe rale of Inlerell may change will be called a "Change Dale". 3. PAYMENTS (A) TIme lad Place of Paymeall . Borrowen will pay the Prlaclpal aad lalerelt b)' maklag pI)'meall every mOllth. Borrowen wiD make their moalhl)' Principal aad laterest paymeall, herelaalter called "Moathly Pay. mem", 00 the ..l9.th. day of each moalh be"anlag 00 _S"pt..mh..r I q , 19_""8R . Borrowen will make these pa)'meall aalllthey have paid all of the Prlaclpal and Interesl aad any olher chargel delcrlbed below, that tbe)' may owe uader thll Note. Borrowen will pay all laml that the)' owe aader thll Note 00 laler than Augu8t 19 ,U.2006- (Ihe "Flail Pa)'DIeat Date" al OlEplalaed 10 (CI belowl. Borrowen will make their monthl)' payments at aa)' 01 the Leader'1 baali:lng offlcel, or al ,aeh other pllee II Leader ma)' dellpate b)' aoUee to borrowen. (BI Borrowen' Pa)'DIeall Before The)' ~re Doe . Borrowen bave Ibe rlgbt to make pa)'DIeall of Prlaclpal at any time before they are due without paying any penalty. A payment of Principal only I, known al a "Prepayment". The Leader wlU ale aU of Borrowen' Prepaymeall to redace the amnaat of Prlaclpal that the)' owe under W, Note. There wl\l be DO delaJlIa tbe doe datel of Borrowen' MoaW)' Pa)'DIeall anlell the Leader a,reel Ia wrlllD~ to thOle dela)'l. (CI Amoaat of MoaW)' Pa)'DIeall- Borrowen' lalUII MoaW)' Pa)'DIeall will be Ia the amoaat of By~ __ Hundred Fiftv-Nine and 72/lS10 It 559.72 ) doDan.The Moathl)'Pa)'DIeatamount will be lubJect to change once every year after the IDltlal . __ year(l) term to an amounl ,ufflclent to repay the loaD over III remalnln, Ufe at Ihe Dew Iaterell rate. 4. INTEREST RATE CHANGES (AI The Indell . AD)' cban,es 10 the Iatered rate will be baled 00 cban,es Ia an latered rate Iadell whlcb wl\l be called the "lades". The lades Ia the: (check oae boll to Iadlcate Iadelll I. (lg The moaW)' avera,e of weekl)' avera,e aaclloa ratel on Ualted State, Trealary Bml with I mltartt)' of . moatlu, a' pablllbed Ia the Fedenl Belervo Ballella aad madl anDable b)' the Pederal Belene Bw Ia Statistical Releue G.13(415) darIDg the lint week of elcb moath. !, 0 If more than oae boll II checked or If no boll II cbecked, lad Lender and Borrowen do aot otherwlle Igree Ia wrltlag. the Om ladell aimed wiD apply, If the ladell r 'lei to be mlde anDable b)' the pablllher, or b)' 10)' laeeellor to the pabUlber, the Leader wIU lOt the aote Inllrelt rate b)' alag a c:omparlble ladell. ARN.! EXHIBIT 13 . . (B) !eltlngl.~e Ne" Inlerelt Rite. To let the new Interest rale herealler, the Lender will add 3.5 percentage polnta (3.5%) 10 the mod recenl Indell rlgnre available prior to each Change Date; Ihe reluU "III be rounded down 10 the neared !4 01 1%(.25%11 PROVIDED, 1I0WEVER, TIIAT TIlE INTEREST RATE WILL NOT CIIANGE MORE THAN TWO PERCENTAGE POINTS OR LESS TlIAN ONE-QUARTER PERCENTAGE POINT ON ANY CHANGE DATE. n, on a Change Dale, an Index Increale from the prevloul Change Dale occun, TilE INTEREST RATE MAY BE INCREASED. n, on a Change Date, an Index dccreale from the prevloul Change nale occan, THE INTEREST RATE MAY BE DECREASED. AI ollhe dale 0' thll Note, the Indell: f'gnre', .211c!1I!~_t!1r_ee-f!lurtp L 6_3/1t.._%) per ceat. The maxlmnmlnlerell rate chargeable hereander II _ J:J.fteen (--15...GlL%) per cenl; th ~re 'I no minimum 'nlered rate, (C) Effectlve Date of Chang! - Each new 'nlerell rate w1I1 become effective on the nest Change Date. n Bor- rowen' Monlhly Paymeal changea u a relult of a change In the Interest rate, their Monthly Paymenl w1IJ change a. 01 t1Je nnl Monthly PalDleal dale afler the Change Dale. (D) Nollcc to Borrowen . The Leader wDI mall to each 01 the Borro"en a noUce by rlnl cIa.. miD al lean twenty.llve day. before each paymenl change, U tbe 'nlereat rate II to cbange. The noUce wIIIadrile Borro"en .1: (I) the new Intered rate on Borro"en' loaa; (II) the amOllJlt of Borrowen' new Monthly Payments; and (W) uy addltlonal matten wblcb the Leader Ia required to dllclose. 5. BORROWERS' FAILURE TO PAY AS REQUIRED (A) Late Cha!ge lor Overdue Pa!!!.'eats . ff the Lender ha~ nnl reeelved the Ian amoaal 01 any 01 the Borrow. en' Monthly PalDleala by the ead 01 lIlteea caleader days aller the date II '1 dae, a late chlrge 01 5% on each nch overdae palDleat .haD be added to each .aeb overdue payment. (B) Events 0' Delaalt . The occurrence 01 anyone 01 the lonowlng evenb Ihan consUl1Ite a defanlt herennder and the enUre balaaee owing on thla Note .ban, at the option 01 Lender, and wltbout noUce to or demand on Bar. rowen, or any 01 them, immediately become due ud payable: (1) Failure 01 Burrowen, or any 0' them, to PlY In lull each and all oltha Monthly PalDlents required to be paid ander SeeUon 3(A) above bytha datel they relpecllvely lall due, or within the period 01 thirty days thereaUer; and (2) Failure 01 the Borrowen, or aay 01 them, to perform aay 0' the obUgaUons coatalned In this Note or In the Mortgage relerred to In Seetlon . hereol. The waiver 0' any delaall hereunder lhan DOl be "alver 01 any .absequenl delaall. (C) Le~d~r'l Rights Upon DelaaU . Upon the ocearrence 01 aa Evenl 01 DelanU, Lender may exerclle any or an 01 the rlgbts, prlvDege. ud remedlea 01 a eredltor aDder the la" 0' the appropriate Jarlldlctloa, U the Lend. er .eeu 10 ealorce .ts rlgbts bereeder ud Inean coats aad e:rpensel In counectlon with neb eaforcemenl, Bar. rowen agree to relmbarae Lender 'or aD 01 Its c:oata ud e:rpensel to the extenl not problblled by applicable la", 'nclndlar, bnt not IImlled to, attorneYI' 'eea nol to eneed 15% 01 all amounts dae berellllder. e. GIVING OF NOTICES All noUcel to be rtvea aader thIIi Note .baD be rtvea In writing by lint elul mall. An aoUeea to 8orrowen Iban be addresled to 80nvwen al theIr addrel' a. .boWII althe end 01 1IJ1a Note, or to IUch other addfOla aa 8or- "liven may del'gnale by notice to Lender. All noUce. to Lender lball be addre..ed to Lender al P. O. Boll: !ZO, CarUlle. PeDDsylvaala 17'IJ, or al neb other addresl U Lender may dealpate by DOUce to 8ornwen. 7. RESPONSIBILITY OF PERSONS UNDER THIS NOTE The Borrowen IbaII be JoIatl1 aDd leverally liable and obllgaled to pay the 'nD amount owlnr wer WI Note la accordanee with the terma thereol, aDd IhaU be jointly and levenDy Uable and obUrated to keep and perform all 01 tile eoaveaaall, promlaea ud agnemeall coatalaed In thla Note and 'n the Mortgage re'emd to In SeeUon . bereo'. 'I1Ie 8orrowen' covenaata, promlsel and agreements contained In tII'l Note Iball be leraDy blacllar npou the Bonvwen and eacb ., them and their re.pectlve penona! repfOlentaUve., beln, laccellOn and ."'gal. The Lender'. rlpts aad prlvOegea contained In thll Note .haU'nare to the benenl 01 the Leader aad Ita luceellon and alllgna. I. WARRANT OF ATJ'ORNEY . , , \' ''nIe BOmlwen berelr)' Irrevoc:ably aathorlze aDd emFOwer aDY allemey or aDy ProlhoDOtary or aDy Clerk of aDY ClIDrt or I'el:ord to appear ror lad CODrell Judgmeal IglID.t Borrowen. or aDY or them, aad ID 'avor or th. LeDder. at aDY Ume, ror 'Dcb .aml I' are dae aad/or muy become dDe OD IhI. Note, with or wlthoul dedanUoa, wllboat llay or ezecDlloD, "lIh coli. or lult aad allemeYI ClImmlllloD' aolle eneed t5% or all amoaDIa dDe bere. Dader ror collecllon. Borrowen (l) waive Iho rig hi 01 Inqulsllon on any real elllle levied on, volunlarlly coademn the 18me, aathorlze the Prothoaotal'J or Clerk to ealer Dpon Ihe Wrll or E:IOCDUOD aald volDala1'J ClIDdemaaUoa aDd agree that laid rell estate may be lold OD a Wrll or EzecDllonl (2) wllve aDd releale III relle) rrom lay and aU apprallemeDt, llay, exempllon or appeal law. or any llale DOW ID roree or herearter eaacted, aad (3) releale all erron la IDch proceeding.. If a copy or IhI. Note, verUled by alii davit b)' or OD behalf of the Leader IhaD have beeD med ID lach aellon, IIlhall nol be neeellal'J to rile Ihe original Nolo a. a Warranl or Altorney. The aulhorlly aDd power to appear ror aad eater Jadlmeal agalDlI the BOmlwen .ball Dot be ewalted b)' the InlUaI elorelae thereor, aDd the .ame may be exerelled rrem time to Itme, a. orteD as the LeDder .hall deem DeeellU71J1d de.lr. able, aDd thI. Note .ball be a .alOeleDt WarraDt. t. TInS NOTE SECURED BY A MORTGAGE 10 addJlloD to the preteeltoa. glveD to Ihe LeDder Dnder thI. Nole, a Mortgago glveD DDder eyeD dale here- with by Borrowen, a. Mortgagon, to lhe Lender, as Mortgagee, proleeta tho Leader rrom polllblo 1001e. whleII might re'DIt II the Borrowen do DOt keep Ihe prom lies which they make ID this Nole. sucn MORTGAGE DE- SCRIBES now AND UNDER WHAT CONDITIONS BORROWERS MAY BE REQmRED TO MAKE IMMEDIATE PAYMENT IN FULL OF ALL AMOUNTS TlIAT TIlEY OWE UNDER TInS NOTE. ONE OF THOSE CON. DITIONS, wmcn IS SET FORTII AT LENGm IN SEcrtON 8 OF TIlE MORTGAGE, RELATES TO ANY SALE, TRANSFER OR CONVEYANCE OF ALL OR ANY PART OF TIlE PROPERTY COVERED BY TIlE MORTGAGE TO ANY PERSON. CORPORATION OR LEGAL ENTITY, OTDF.R TIIAN TIlE MORTGAGORS mEREIN, OR ANY OF TlIEM. Borrowen aclmo"ledge recelpl or copl.. or thll Note aDd of .ald Mortgage. 10, MISCElLANEOUS Protelt, noUce or protett, prelentment, dishonor, Doltce or dllhonor and demaad are bereby wllved b)' the BOmlwen, and eaeb or them, and by la)' larelles, gaaranlen and endonen or thl. Note. If aD1 provlllOD or thll Note Iball ror aDY reaBOD be held to be IDvalld or nneDforeeable, IDcb InvalldJl)' or aoenforeeabWty .ball Dot ailed aDy olher provlsloD hereor, bat ChIs Note Ihall be CODltraed u If laeb IDvaUd or uoenforeeable provl.loD bad never beee eoalalned herelD. Thls Note sball be govemed by the law or Ibe .late ID wblcb Ibe rell eatate covered by Ibe Morlglge rererred to fa Seeltoa 8 I. located. If lell tbaD two Dorrowen .baD llga thll Note, aU ClIVeDaD18, promlae. and apeemeDta, wbleb are drawn In the plural, lhaJJ be deemed to be fa Ibe .lDgalar. BOmlwen bave duly exeeuted W. Nole Ibe day aad year lint lbove wrttte.. WITNESSl Douglas L. Gibb (SEAL) (SEAL) Catherine M. Gibb (SEAL) (BEAL) llernwen' Mdrenl RD II. 80x 3S. Newville. Penn~ylvAnfA 177&1 'I'be Waher Of RI..... AfIIdatfl .. the reven. ald. mat lie completed. . . WAIVER OF RIGIlTS AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA, COUNTY OF CUMBERLAND Tbe 1IIIdenlpe4 Borrewen. bellll duly awom aec:ordlog 10 low. depole and laYI 1. Tbat the 1IIIdenlped are the Borrowen named III the .oregolog AdJnltable Rate Nota datea AU,UBt 19 , lIJL, eontallllng a provlllon .or conlelllon 01 Judgment aga\lllt the Borrow' en alllllll .aYor or the Lender, Farmen Tnst CompaDY. Carlllle, Pa. I. Tbat by IlplDl the alorelald AdJnltable Rata Nota, the nndenlgned INTENTIONALLY. UNDERSTAND- INGLY AND VOLUNTARILY walve4. reUnqullbed aDd abandoned the .ollowlng rigbts: (a) The right 10 have notice and an opportunity 10 be hcard prior 10 the enlry a. jndgment. (b) Tbe rigbt 10 have the bnrden o. provlal delault reRt npon the a.oresald Lender be.ore the proporl7 or the Borrowen can be esposed 10 esecntlon. (e) The rigbt 10 avoid the additional espeuse o. attorneYl' leel and COlts Incident to opoulnl or .trtk\Dg oil a eoalesle4 Jndgment. s. The Borrowen acbowledge that the Borrowen bave received a copy o. the within Aflldavlt, and that the lame wal oraDy explained 10 aDd aadentoocl by the BorroweR. J( lell tbaD two Bonowen Iban sip tbJI Waiver 01 Rlgbts Affidavit, an ltataments eontalDe4 therein, wblcb are drawalll the plural, Iban be deemed 10 be III the IlIIgalar. (SEAL) Swam 10 aDd nblcrlbed DouglsB L. Gibb Catherine M. Gibb (SEAL) be.ore me tbJI day o. ,1' (SEAL) (SEAL) Notar:r PabBc My eommlsllon esplrell . . . 1I11'I!!I:!:/:i ~ lr-~. '/' ~ -.I Ll'i I >- I Z \'J I Z r- L"'UI _....J :::=;~:-~..; o!!l ((;..' J'; ~ .,. . -lU c:....:. ..~? ~:II~ ., ..,0 t' ~!:.. '" ZI!1 !1 0" :" :.e... ~ :Etx t~: O~ .I.~ Uw ~~~ Q .,..... 9 / t 0 ! Q 1 ~... ..... ~ ..., I " ., I . '. - ::: 1: ~ - - .:: I I I ! .. WAY"I F. SH.... I Alt...,.. La. I '.'.11I1 H"'n' I".., e..lhl., P....'......I. nlll I io .' tJ. y SO"'.," t ' 'U' _ ~ I"r"<rJI.., ....,. I......" If IK~'~""'''''' School ObI, Cumbo c.~ ., Cumbo C.~ .., ,...J.." ...1 I..,.. 1r...'" h. ~ a..1 I,..t. "...,,, T.. ..: ~.~.'dr... ~t.3,s..i'l.\'! ,.,. t'.~.~:r.L ~I,3..'::f;t!' .<:l..-tv:.;...-" V.... .... tjd....:.- ,..... V fo- - ~ I........ ~ '1... ~_~ Ca. ol~, Ca. - THIS DEED, ._~ c.. 01". C.I....... . MADE THE I,A.day of . ~,-f , in the year of our Lord one thousand nine hundred ~ig~y-eight (1988). BETWEEN DAVID R. SCHOONOVER and JOANN H. SCHOONOVER, husband and wife, of R. D. 11, Box 38, Newville, Cumberland County, Pennsylvania, Grantors, AND DOUGLAS L. GIBB and CATHERINE M. GIBB, husband and Wife. of 701 North Pitt Street, Carlisle, Cumberland County, Pennsylvania, Grantees, WITNESSETH, that in consideration of Seventy-two Thousand Five Hundred and No/100 1$72.500.00) Dollars, in hand paid, the receipt whereof is hereby acknowledged, the said grantors do hereby grant and convey to the said grantees. their heirs and assigns, as tenants by the entireties: ALL that certain tract of land. with improvements thereon erected, situate in West pennsboro Township, Cumberland county, Pennsylvania, bounded and described as follows: BEGINNING at a nail in the center line of Pennsylvania Route 233, said nail being located North 38 degrees 57 minutes 47 seconds West 508.09 feet along Pennsylvania Route 233 from an existing railroad spike at the intersection of the center lines of Township Road T-353 and Pennsylvania Route 233, and at corner of lands now or formerly of Charles J. Heckendorn, thence along lands now or formerly of Charles J. Heckendorn South 80 degrees 40 minutes 25 seconds West 277.34 feet to an iron pin, thence continuing along lands now or formerly of Charles J. Heckendorn North 23 degrees 29 minutes 11 seconds West 162.86 feet to an iron pin, thence along lands now or formerly of Merle R. Lamason and continuing along lands now or formerly of William C. Moose North 85 degrees 58 minutes 13 seconds East 241.02 feet to a nail in the center line of Pennsylvania Route 233, thence along the center line of Pennsylvania Route 233 South 38 degrees 57 minutes 47 seconds East 156.08 feet to a nail. the place of BEGINNING. ~ CONTAINING 37,318 square feet including 4,741 square feet of ~ dedicated right-of-way according to a survey by Carl D. Bert, ~ Registered Surveyor. dated April, 1975. "" "" .. UNDER AND SUBJECT to the dedicated right-of~way line of Pennsylvania Route 233, which is located 30 feet southwest parallel to the eXisting center line of said road. and B~()K' 33 'ACE 498 EXHIBIT c.... " j , . '. NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: t:.ltt.L'rine !.I. Gilib >:bO i.:€ntl:lvl.lla lID. lIl:'JlVllll:, .'A 17:.141 Loan No. 1 0006C147 DaleolNollce O~. 20, 1991-_ The MORTGAGE held by r'uIlTlers Trust Canpany (hereinafler we, us or ours) on your properly localed al 460 C;entcLVille RD. Nc:\'N; 11.. If you do nOI cure Ihe default within TH I RTY (30) DAYS, Wl1 intend to exercise our right to accelerate the mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of default is not made within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the Impaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require. ments under the mortgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately Jan 199'1 . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: 24393212 . This payment must be in cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in il. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rrghts to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER RECUI RE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. If you cure the default. the mortgage will be restored to the same position as if no default had occurred. However, . tillS nghtto cure your default more Ihan Ihree times in any calendar year.. . \ EXHIBIT Bv .~L/I.i. ~jj'-:.~''I/__~~'-: /l"J I -- n ,Ji'C:', 'J. til;tchi~~cn Col~l:cti()%~ 'lttlC.. l" '. "!9...Ef€Of '''!.!#.fo!!!Qf.JJO FORECLOSE MORTGAGE . TO: IA:U(" .1.1f. :.,. Gibt:. ..;~\. \.~,"ntct"vill{l HD. !':l 1..:vi ll~-;, P.'\ 1 j':::l., 1 OalO of NOllee -1 Q[!.!l664 7 Loan No. Ocr. ~, 1 <:<;:; The MORTGAGE held by l.':m"pm .'l'l"\lfll Ca,:i:."ny Ihereinaftnr we. us or ours} on your property located at 4RO Ccntet"\:illc RcJ. U!O\Nill" IS INSERIOUS DEFAULT because you have not made the monthly payment sof$ ,11;" nc f'r,' ",.,}'". (or the tnonths of ':.M;C,l. ~ 1 ~cr :.:(..,tq~1;,'~ (~ctch..t" l"n~ , and and/or because Late charges and other charges have also accrued to this date in the amount of I' ,"'6'1.6C, . The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, is$ ....;r;}.lC You mi!Y. cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount of $ :., IS}. 1 (, , plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at "'~':'''':.i. l'~ .. n:~.1:. ";C{'.r).'l:~n'/ 1 ;1. ~ii(h ~jt. <;[trli~l(" PJ\ 1 ;:'::41 . If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the mortgage payments. Thi~ means that whatever is owing on the original amount borrowed will be considered due immediately and you may lose the chance to payoff the original mortgage in monthly installments. If full payment of the amount of default is not made within TH I RTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by the Slleriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default before they begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to $50.00. However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even if they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require. ments under the mortgaQ.e. It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately ,"inn. 1 ~,~ a . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the fOllowing numbe';~43-32.'2 . This payment must be in cash. cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rrghts to help jjrotect your interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUI RE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION lJR FORECLOSURE. y EXHIBIT the mortgage will be restored to the same position as if no default had occurred. However. right to cure your default more than three times in any calendar year. I ../ /' I ._, Bv_..t: I /~~~___~~_l:.~_~_~._~.~-.I_,! .-_.. __ ! '. [ 1l.1",:~~' .: . L~l ',-1',,: ','t- '( 1- . . .. I~. "'I' ...., .....' " _.l" ..... ---- IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1883, PLEAS!: READ THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS. RE:AccountNo. I::COr,~47 Dlte: Oct. 20, l'J'J3 TO: L:"_~,l.lC.! :.s j '. \.;i l~b ~E(l : ~,- '+r.!....,li 11 ,.' pn t.t~"",; 11 P. pro 1 "7P~l' FROM: ''':~~r:~,'rE ':'nl~:r C~~'.",n'i Your morlgege II In .e,lou. de/eull beclule you heve lelled to pey promptly 1~lt'lImentl 01 prlnclpellnd Intereat,ea required, lor a period 01 et lealt II.ty (601 dlYI. The tolel amount 01 the delinquency I. S '" i 'J.l, l) . That lum Includea tha lollowlng: \\i....'..- '~....:':....:'!lt. ,':: .:..~:..r"', '':f-.lj,.. '.'" F.. ., ""':. 'Il'.', . ~1"''1'''''' -: f: ,"'r, .... ...,q. '.,"'r : ,"'f . . . . .., t. l' , .: . ~.. . .';; ( r Your mortgege I. al.o In delault lor th. loll owing ree.on: (u.e thll peragreph only 1/ appllceblel You mey be eligible lor IInlncle/...I.'lnce Ihll wll/ p,evenl/oreclo.ure on your mortgage 1/ you comply with the provlllonl 01 the Homeown.rl' Em.rg.ncy Mortgege Assl.tlnce Act 011983 (th. "Acn. You mlY be .lIglble lor .merg.ncy temporary 1..I.tlncal/ your d.leult hea b..n cluled by clrcum.tlnc.. b.yond your control. Ind 1/ you meet the ellglblllly requlrementl 01 the Aclea determIned by the Penn.ylvenla Hou.lng FInance Agency. P/ea.e read all o/Ihl. Nol/ce. /I conle/n. en e.p/anat/on 0/ your rlghll. Under Iha Acl, you era an/II/ad 10 alamporary .,ay o//orec/o.ure on your morlglge lor Ihlrly (30) day./rom Ih. d.,. ollhl. Not/c.. Dur/nglh., t/me you mu,' "range .nd .11.nd . "/ac..lo-/,c," meat/ng wllh a reprea.nl.t/v. o/Ihl. /.nder, or wllh a dea/gn.lld con.umer credll coun..llnglg.ncy. Th. purpo.. ollhl. meallngl. 10 .t/.mpllo work oul. rep.ym.nl pl.n, or 10 olh.rwl.. II "'a your d.llnqu.ncy. Thl. meat/ng mu.' occur In Ihe nul Ihlrty (30) d.y.. 1/ you atl.nd alace-to-Iace mlltlng with thlllender, or with a conlumer credit counlellng agency Id.ntllled In thl. notlc., no lurther proc..cUng. In mortgage loreclolure may lak. place lor thirty (301 daYI alter Ih. dale 01 thll me.tlng. Th. name, addrell andlelephon. number 01 our reprelentatlv.ls: dZt\.~~: J. J1L\:{;!..1::on Telephone Number. ~<.y{;-'o.t'} I... The nam'(I) and addrel.(.11 01 (a) d..lgnated conlum.r cr.dll counl.llng .g.ncy(lea) I. (ar.): ...~~, . \"L'J.. :.lo._ut1':: It I. only n.c...ary 10 achedul. one I.ce-to-Iace m..tlng. You ahould advl.e thlll.nder Immediately of your Intentlona. If you have Irled and are unable 10 relolve thl. problem at or alter your face-to-faca meeting, you have the right to apply lor Unanclal alllltance from the Homeowners' Emergency Mortgage Alllllance Fund. In order to do Ihll, you muat 111I out, Ilgn and file e completed Homeowners' Emergency A..I.tance Appllcetlon with one 01 the de.lgneted con.umer credit counllllng egenclel lilted above. An application for aallltance may only be obtained from a conlumer credit counlellng egency. The conlumer credit coun..llng egency will alll.t you In filling out your eppllcetlon end will lubmlt your completed application to the Pennaylvenle Houllng FInance Agency. Your eppllcet/on mu,' be fII.d or po.'merk.d wllhln Ihlrty (30) d.y. 01 your lece'lo-/.ce meet/ng. /I I. e.,rem.'y /mport.nl Ih., you file your appllcetlon promptly. /I you do nol do '0, or /I you do nol fot/ow Ih. olher /1m. period. .el lorth In Ihl.I.t/er, /orac/o.ure m.y proc..d ag,/n.' your hom,'mm.dl.,.,y and you wll//or/./I your .lIg/blllly lor ...I.'.nc.. AVllllble lundl for emergency mortglge alllltance ere very limited. They will be dllburasd by the Agency under Ihe eligibility criteria eltabll.hed by the Act. /I I. ..,rem.'y Import.nl Ihll your apptlc.t/on I. accurele .nd complellln ....ry re.pecl. The Pennlylvenla Houllng Finance Agency hal 11.ly (60) daya to make I declllon efter It recelvel your eppllcatlon. During thet addltloneltlme, no loreclolure proceedlngl will be pursued egeln.1 you II you have melthe time requlrementl let forth above. You will be notified directly by thet Agency of Itl declllon on your appllcellon. The Pennlylvanla Houllng Finance Agency Illocaled el: 2101 North Front Slreet, P.O. Bo. 6029, Harrilburg, PA 17105. Telephone Number (717) 780-3800 or 1-800-342.2397 (tolllree number). : 'Efencikiled allo II 0 You have elreldy received 0 In eddltlon you will receive enother notice Irom thll lender under Act 6 01 1974. Thet notice II celled a "Notice ollntenllon to Foreclo..... You mUlt read both notlcel. Ilncelhey both e.pleln rlghlllhat you now have under Pennsylvania law. However. If you choose to exercise your rights described In this notice, we cannot foreclose upon you during that time. AI.o. If you receive tlnanclal alll.lance Irom the Pennlylvanll Houllng Finance Agency, your home cannol b. foreclosed upon while you are receiving that aSllltance. EXHIBIT Very truly yours,.' :'. /.( .;.., ,,/ .' I r ;!l"_~(": ~_ ~.r: ,:~)j:\_\...l.=.c:: :;~_'.:...L.l. =..., .- ,~ '. IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1883. PLEAS:! REAO THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINAI:l.cIAL ASSISTANCE TOWARD YOUR ,,!ORTGAGE PAYMENTS. RE: Account No. 1CCj(lt'.(j':-i Dlt.: Oct. '~G. l'lr.! :;,d:1 l~'l L'~ d. CiLb Lt~C ~:t~ntt.'t"':';}~" illJ. ~'Jc.l\'1\I;llt"# PI, ~7~'I~~ ;O"C' . '"..~t. (""'#111''''...,,, TO: FROM: .; ,'-.' Your mor,glg./.In .er/ou. d,'.ull b.clu.. you hlv, IIII.d to PlY p,omptly In.t.u!!'.nll 01 prlnclpll.nd Int.r..t... required. for. p.rl!,~. at It I.~~t .I.t,y (~) ~IY~. Th'r.loll~~.mou~~ !I'.!'" d~l!n.qu.~cy.I.~., !. '~:'.~..: 11;., " T~I,.I ~",:I~cl~~~~ .the. following: ..... ....' ..:."014:11. ..... ....f-.."t.V:..r ....pt.I.J..I_.., ~i..<.~I)c.:t.t....~.r... !......J11...nt.... 01. "'I',LJ...I "......1...1........' .:.,.\.. ..;.:.r('_~~ '"!.. :: 1/,;1,;.'::.lJ.~. Your mortg.g.l. 11.0 In d.llult for thl 'allowing ....on: lu" thl. perlg..ph only IIlppllclbl.) You mlY b. .lIglbl,'or /lnlnclll."I,'.nc. 'her will pre..n' lorec/o.ure on your mortglgl II you comply with the provl.lon. of Ihl Homlowner.' Emerglncy Mortglgl A"I.tlnc. ACI 01 1883 (Ih. "Acl"). You mlY b. .lIglbl. foremlrg.ncy tlmpo..ry 1..I.llnc.1I your d.'lult h.. be.n clu..d by clrcum.tlnc.. b.yond your control. Ind II you meel the .lIglblllty requl..m.nll 01 thl Acl..d.termlned by the P.nn.ylvlnll Hou.lng Flnlnc. Ag.ncy. Pl.... reld.1I 01 'hi. No'lc.. II conreln. .n upl.n.'lon 01 your rlghll. Under 'h. Acl, you er. .n,m.d'o ,'.mporery "IY ollorec/o.ure on your mor/g.g./or Ihlr/y (30) d,y,'rom Ih. der. 01 'hi. NOllc.. Durlnglh., 11m. you musl .".ng. .nd .".nd I "l,c,-,o-llc," m..'lng wl,h I repre..nll,I.. 01 'hi. I.ndlr, or wl,h I dl.lgnll.d consumer cred/I coun..llng.g.ncy. Th. purpo.. 01 'his m.lllngl. '0 "".mpllo work ou, I replym.nl plln. or'o o'h.rwl.1 ..W. your d.llnqu.ncy. Th/. mler/ng mull occur In 'h. n.rt Ihlrty (30) d.y.. II you I".nd IIIC..t<>lIC. meellng with thl.l.nd.r. or with I con.um.r c..dlt counseling Iglncy Idlntllled In thl. notlc., no furth.r proc.edlng.ln mortglg.'o..clo.ur. mlY Ilk. pllc. lor thirty (30) dlY' """r the dll. 01 Ihll meeting. Th. nlm.: ~~~rl~~ "~~l!~I~f~~2,~~umb.r 01 our r.pr...ntltlvela: .....L;-...:..." T.I.phon. Number. Th. nlm.(.llnd Iddr...(..) 01 (II d..lgnlted con.um.r c..dlt counseling Ig.ncy(lee) I. (1"1: ;.w. .,:..:......\...u:..:.J It I. only nec....ry to .ch.dull on. Ilc..to-flc. meeting. You .hould Iclvl.. thlll.nd.r Immedllt.ly of your Intlntlon.. II you hive trlld Ind er. unlblllo ...olv.thl. probl.m lIar I".r your flc..to.llc. meeting. you hlv, the right to Ipply lor IInlnclll ...I.tlnc. from lh. Hom.own.,.' Em.rg.ncy Mortglgl AIII.tlnc. Fund. In ord.r to do thl., you mU'1 fill out. .Ign Ind fII. I eompl.ted Hom.own...' Emerg.ncy AIII.t.nc. Appllcltlon with on. of Ih. d..lgnlted eon.um.r credit coun..llng .glncl.. tI.led lbove. An Ippllcltlon for 1..llIlnc. mlY only b. obtllned from I con.um.r c..dlt coun..llng Ig.ncy. Th. con.um.r c..dlt counOlllng Ig.ncy wlll...I.1 you In filling out your Ippllcltlon Ind will .ubmlt your compl.l.d Ippllcltlon 10 Ih. P.nn.ylvenll Hou.lng Flnlnc. Ag.ncy. Your Ippllclllon musl be lII.d or poa'mlrkld wl'hln ,hlrty (30) dlY' 01 your Ilc,,'o-llc. milling. II I. ..,reml/y Importln, ,hll you III. your Ippllclllon promptly. 1/ you do nol do '0, or 1/ you do nollo/low Ih. olher 11m. perIod. III lor/h In 'hl"."er. lorec/mure m.y procled Ig,'nsl your hom.lmm.dl"lly Ind you wllllorl.1I your eligIbility lor e.,','.nc.. AVllllbl. 'undo lor Im..g.ncy mortglg. 11I1...nc. er. v.ry IImlt.d. ThlY will be dl.burHd by Ih. Aglncy undlr the IlIglblllty crlt..11 ....bll.hed by the Act. 1/ I. ""Iml/y Importln' 'her your .ppllclllon I. Iccurer. .nd comp/lllln ...ry re.pecl. Th. Plnnaylvlnll Hou.lng Flnlnc. Aglncy h.. .1.ly (50) dly.lo mlk. I dlcl.lon Ill.. It "CliVI' your Ippllcltlon. Durlng Ihlllddlllon.1 tlm.. no lo..clo.u.. proceeding. will bl pursuld Iglln.' you II you h,vI m.t the tlm. requl..mlnts .It fonh Ibov.. You will be notlfl.d dl..clly by Ihlt Ag.ncy 01 It. decl.lon on your .ppllclllon. Thl P.nn.ylvlnll Hou.lng Flnlnc. Aglncy I. loclled II: 2101 North Fronl Street. P.O. Bo. 8029, Herrl.burg. PA 17105. T.I.phon. Number (717) 760-3800 or 1-1100-342-2397 Itoll lree numb..). - ~C1 .!rnolciiied 11.0 I. 0 You have Ilr..dy "cllv.d 0 In Iddltlon you will rec.lv. Inoth.. notlc. Irom thl. I.nd.. und.. ACI 8 0' 1974. Thll notlc.l. Clllld I "Notlc. ollntlnllon 10 FO..clo..... You mu.t r.ld both notlc... .Ine. Ih.y bolh upllln rights Ihlt you now hlv, und.. Plnn.ylvlnlll.w. Howlv...1f you chao.. to ....cl.. your right. d..crlbed In thl. nollcl. w. clnnot lor.cloll upon you during thlt 11m.. AIIO. II you recllvl flnlncllt 1..I.tlnc. Irom the P.nn.ylvlnll Hou.lng Flnanc. Ag.ncy. your ham. clnnot bl lo..clo..d upon whlll you Ire ..cllvlng thata..I.tlnc.. EXHIBIT v.ry truly ygu....:. . ' .}' . \ , . .. , .. . ~ .' \ G-- =:.... ,- ...L.. .!i.I~::;C:i..:......n .1.iL"::~.1l':-. 1/:::':,':, ..: J .... >- v1 :,... l' '" "" ~ ~ a ,. .,. .. :,; 7 ;) .. :!- '", ... J J- .. ~ ! ~ -::r' IOn >-.. .... - :ti to.: = ~~~;f::f. .~ ..-c ,~: '.' '-'-: :r .:~ .J .. . . " " en .. '..' ,< ,. ... : ~ ~ ~~; to- N "'I <, ~ :z: ;.> ~ ""' 'ot-" --. :.1.;;.;-":" ' . ',... ....;.:. ... '..:.. .J.... .1',', .,~. - .... .....-... ....# '.......... . - SIIEIlIFF'S 1lE'I'lJRN a:t'1MONWF..AL'Ill OF PENNSYLVANIA: COUNTY OF CLMBERLAND In The Court of Common Pleas of Cumberland County, Pennsylvania No. 271 Civil Term 1994 Complaint in Mortgage Foreclosure and Notice Farmers Trust Company VS Douglas L. Gibb and Catherine M. Gibb Wesley Cook , ~~U(X:JtXDeputy Sheriff of Clrnberland County, Pennsylvania, who being duly sworn according to law, says, that he served the within Complaint in Mortgage Foreclosure and Notice upon Douqlas & CAtherine Gibb , the defendant, at 3:05 . o'clock P .M. EST / ~X, on the , 19~at 25 day of January 480 Centerville Road, Newville , Cumberland County, Pennsylvania, by handing to Ca therine Gibb, defendant and adul t in charqe. accepted for both a true and attested copy of the Complaint in Mortgage Foreclosure and Not,ice and at the same time directing her attention to the contents thereof and the "Notice to Plead" endorsed thereon. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 6.72 .' :~.~swers': ..' /?~-'? I ,?\'-:..-. """- .-( _~-e " I 4.00 28.72 Pd. by Atty. 1-26-94 R. 'rhanas Kline, Sheriff by /!t/~d~l Y Cloc.e: Deputy ~heriff Sworn and subscribed to before rrc this JJ.~ I- day of C'). """'" "I , A.D. 19 V'( ~ ~_L ." _. r; )lld;',._ _ "r~j7.. .; I I I I Prothonotary