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vs.
I IN THE COURT OF COMMON PLEAS
I CUMBERLAND COUNTY, PENNSYLVANIA
I CIVIL ACTION - LAW
I
I 94 - 3lto/'.J- CIVIL TERM
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I ACTION OF MORTGAGE FORECLOSURE
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ORRSTOWN BANK
Plaintiff
JAY V. STONE and
SARA V. STONE,
Defendants
NOTICE
You have been sued in court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this complaint and Notice are
served, by entering a written appearance personally or by
attorney and filing in writing with the court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the court without further
notice for any money claimed in the Complaint or for any other
claim or relief requested by the plaintiff. You may lose money
or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE
THE OFFICE SET FORTH BELOW TO FWD OUR WHERE YOU CAN GET
LEGAL HELP.
court Administrator
Fourth Floor
Cumberland county Courthouse
carlisle, PA 17013
Telephone I (717) 240-6200
ORRSTOWN BANK,
Plaintiff
l IN THE COURT OF COMMON PLEAS
l CUMBERLAND COUNTY, PENNSYLVANIA
I CIVIL ACTION - LAW
I
l 94 . .~ltl<) CIVIL TERM
I
I ACTION OF MORTGAGE FORECLOSURE
l
vs.
JAY V. STONE and
SARA V. STONE,
Defendants
COMPLAINT
AND NOW, comes the Plaintiff, Orrstown Bank, by its
attorneys, FOWler, Addams, Shughart & Rundle, and makes the
following Complaint in Mortgage Foreclosure against Jay V. stone
and Sara V. stone, Defendantsl
1. plaintiff is Orrstown Bank, a Pennsylvania banking
corporation organized and existing under the laws of the
Commonwealth of Pennsylvania with its principal place of business
is located at 3580 Orrstown Road, Orrstown, PA 17244, and a
mailing address of P. O. Box 250, Shippensburg, PA 17257.
2. Defendants are Jay V. Stone and Sara V. stone, husband
and wife, adult individuals whose last known address is 350 Long
Gap Road, North Middleton Township, Carlisle, cumberland county,
PA 17013.
3. At all relevant times, Dsfendants, Jay V. stonu and
Sara V. stone, husband and wife, have been the real owners of a
traot of land with buildings and improvements thereon erected and
located at 350 Longs Gap Road, North Middleton Township,
Carlisle, cumberland county, Pennsylvania, which premises are
more fully described in EKhibit "A", attached hereto and made a
part hereof.
4. At all relevant times Defendant Jay V. stone has been
the real owner of a tract of land with buildings and improvements
thereon erected at 1526 Newville Road, West Pennsboro Township,
carlisle, cumberland county, Pennsylvania, which Premises are
more fully described in EKhibit "B", attached hereto and made a
part hereof.
5. On or about October 23, 1991, in consideration of a loan
of Forty-siK Thousand Nine Hundred Thirteen and 83/100
($46,913.83) Dollars, made by Plaintiff to Defendants, which
funds were received by Defendants, Defendants, as Borrowers,
eKecuted and delivered to plaintiff, as Lender, a Note and
security Agreement dated October 23, 1991 (the "Note") in the
principal sum of Forty-siK Thousand Nine Hundred Thirteen and
83/100 ($46,913.83) Dollars (the "Principal"), and requiring a
payment of interest on the prinoipal at the rate of nine and
forty-nine one hundredths (9.49\) percent, a true and correct
copy of which Note is attached hereto, made a part hereof and
marked Exhibit "C".
6. The Note obligates the Defendants to pay to Plaintiff
the sum of Nine Hundred eighty-eight and 75/100 ($988.75)
Dollars, prinoipal and interest, on or before the 12th day of
each month, commencing December 12, 1991 and each month
thereafter until November 12, 1996.
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7. The indebtedness evidenced by the Note is secured by a
Mortgage on the Premises at 350 Longs Gap Road dated ootober 23,
1991 (the "Mortgage") eKecuted, conveyed and delivered by
Defendants, as Borrower, to Plaintiff, as Lender, a true and
correct copy of which Mortgage is attached hereto, made a part
hereof and marked Exhibit "D".
8. The mortgage, Exhibit "D", was duly recorded in the
Offico of the Recorder of Deeds in and for cumberland county,
Pennsylvania on November 6, 1991 in Mortgage Book 1034, Page 498.
9. The indebtedness evidenced by the Note is also secured
by a mortgage on the premises at 1526 Newville Road dated
October 23, 1991 (the "Mortgage") eKecuted, conveyed and
delivered by Defendant Jay V. stone, as Borrower, to the
Plaintiff, as Lender, a true and correot copy of which mortgage
is attached hereto, made a part hereof and marked Exhibit "E".
10. The mortgage, Exhibit "E", was duly recorded in the
Office of the Recorder of Deeds in and for cumberland county,
Pennsylvania on November 6, 1991 in Mortgage Book 1034, Page 494.
11. The failure of the Defendants to pay the principal and
interest on or before its due date constitutes a "default" as set
forth under "DEFAULT" contained in the Additional Terms on Page 2
of the Note and incorporated in the Mortgages by reference.
12. Defendants have been in default under the terms of the
mortgages by failing or refusing to pay the required amounts of
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prinoipal and interest due plaintiff since the payment due on or
before February 12, 1994.
13. The terms of the Mortgages and the Note provide that
upon the occurrence of a default and upon failure to pay the
amount due within thirty (30) days after the mailing of written
notice by plaintiff to the Defendants, plaintiff may institute an
action in mortgage foreclosure and may accelerate the immediate
payment of the entire unpaid amount due plaintiff and secured by
the mortgages. The required notices were mailed to the Defendants
on March 25, 1994, copies of which are attached hereto,
incorporated herein by reference and marked Exhibits "II" and III",
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respectively.
14. The sums presently due and payable to the plaintiff by
the Defendants and secured by the mortgages are itemized as
follows I
a. Unpaid principal - $29,827.55
b. Unpaid interest (to 7/12/94) - 1,032.08
c. Attorney collection fee of 20\ - 6.083.00
Total -
$36,942.13
15. Plaintiff has duly complied with the provisions of the
Emergency Mortgage Assistance Act of 1983 (IIAct 91") in that the
prescribed Notice of Eligibility was sent to the Defendants,
Jay V. stone and Sara V. stone, by certified mail and first class
mail, postage prepaid on May 18, 1994/ and the Tsmporary stay of
Enforcement of the Mortgage by reason of Act No. 91 has eKpired
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in that the Defendants have failed to appear for a face-to-faoe
meeting with plaintiff or a designated Consumer Credit
counselling Agency within thirty (30) daye. True and correct
copies of the prescribed Notices are attached hereto, made a part
hereof and marked EKhibit lip" and "G", respectively.
16. Written Notice of Intention to Foreclose was sent to
each Defendant by certified mail on March 25, 1994, pursuant to
section 403(a) of the Act of January 30, 1974, P.L. 13, No.6, as
amended, 41 P.S. section 403(a), true and correct copies of which
Notices are attached hereto, made a part hereof and marked
Exhibits "H" and "I", respectively.
17. The Defendants have neverthsless failed to cure the
said defaults.
18. There have been no assignments of either of the two
Mortgages or of the Note.
WHEREFORE, Plaintiff demands judgment against the Defendants
in the sum of Thirty-six Thousand Nine lIundred forty-two and
63/100 ($36,942.63) Dollars, together with costs and interest on
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the unpaid prinoipal balance aooruing at the rate of interest
(9.49\) from July 13, 1994 and demands foreclosure and judicial
sale of the interest of the Defendants in the mortgaged premises.
FOWLER, ADDAMS, SHUGHART' RUNDLE
BYI
Da e F. S u
Supreme court
28 South pitt
P. o. BOK 208
Carlisle, PA 17013
(717) 249-8300
t,
No. 19373
street,
Attorneys for Plaintiff
,..6...
VERIFICATION
I
Anita L. Kepner, hereby verifies that she is a colleotion
Offioer of orrstown Bank, Plaintiff above named, that she is
authorized to and make this Verification for and on its behalf,
and that the faots set forth in the foregoing complaint are true
and correot to the best of her knowledge, information and belief,
and understands that false statements herein are made subjeot to
the penalties of 18 Pa. c.S. 54904 relating to unsworn
falsifications. !j j }4.J)'
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DATE I
July 1, 1994
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'" ALL t t urtalalot of ,round Illuated In North Mlddl.ton Town.hlp, Clltnb-
.,Iand countr' P.~lU1.ylvanla, bounded and dncrlbed u follow.. "',, ..'il' ,,'
, DECINNlNo- at a point on the Wutff" line 01 Lon,l. Cap ROld bel the norlh.r'
Une 01 Hili D~lv.,"Il~llhat jiolnt open.d td a width of 50 leetl thence by the northHn'
line of Hili Dr~Ye:W"",hdly '~.~,IIl.ln~e of 17; 5 feell thence by the .am. conllnuln,
In a weltward/lIlr.iltAYt durin, which the wIdth of Hili Drive dlmlnl.hu to H feet,
I dlll'nce of.''1ltfli.t more'or leu 10' polnti thence by th. eutern IIn. Ilf Lot'No..
, 44 on eald plln"in" northerly direction /'Z feeti thence by line of I,,,d.,' now or
,fortnerly of Cook; tli In euterly dlrectlori 12/'.5 leetl thence by the welter line of
Lqn,'. Gap l\oaCl .o\1ll1\irirdly,' dlUlnce of 50 leet more or leu. Ind beln. Ihe
tnaJor,porllon of Lot No. 45 on Stine Development Plan No. l.. recorded In the
olfice of the'Recorder of D'-edl In ,,,d for Cumberland County In Plan Book /, at
pa,e 41, thl d1m~nllon. o( whIch lot vary from the recorded plan lor the r'Uon
that the pl'nai'te~8'ill'd IhoWI uld lot a. belns mellured (fom the ....te rn Ilde
of Lon,'. Clp Road .,hereu In actual meuurement. recorded on the plln are from
the center lin. 'elf 'Lonl'5 Cap Road. '
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J\xhlbit "A"
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, '. AllthDt certotn trllcl nl lllllllllllllolr. III W(!AI 1'0n"01l01'O
'folVnahlp nnll Norlh Mhldleton Townohlp, CUlIlblll'1nnd County, Pennsylvanlo,
moro IIArllC\llatlybbIJhdcd Dnll deAcrlhcd nA lollowm
BEGINNING at 0 oplko In Ihe c'enler or Pennsylvania IIIOhway Route '841
'and corner br lands now or rOl'lnel'ly or George Jf. Myers, Jr. I U,once South
82 degrees 46 minutes Easl, a dlotancc or 207.20 reellhrough Ihe center or
Pennuylvonlll IIIgll\ny Route '041 to a spike In Ule eenler of pennsylv\ll1lll
IIIghway Route '041 and corner of land now or lormerly of lIarold I.. Slonel
U,ence Soulh 12 degrees 16 mlnules West. a dlslance of 170 feel alongl\ll1d now
or formerly of lIarold L. Slone 10 an exlsllng slakel thence South 77 degrees
45 mlnules Esst, Il dlotance or 270. 17 reel along lands now or formerly of
Harold L. Slone, E.n. Ksurrm\ll1 and John A. Failor to 0 otakel thence Soulh
12 degrees 16 mtnutes West, a dlsl\ll1ce of 40 reet along land now or formerly or
w. n. Furches'to an Iron plnl, Ihence Soolh 77 deRrees 45 minutes Eost 0 dlslanl'e
0175 feet along Illnd now or rormerly or w. n. Furches to an Iron plnl thence
North 12 deRrees 16 !nlnules Eaot a dlalance or 40 feet olong land now or formerly
of W. R. Furches 10 on Iron pin and corner or land now or formerly of W. E.
Mccllntockl thence'Soulh 77 degrees 45 minutes Easl a dlstonce of 269.17 reel
along lAnd now or Cormerly of W. E. McClintock, lIarold Bowers ond Ralph V,
Darger 10 a shlke and corner or land now or formerly or Dene R, Leonardi thence
South 01 degree 00 minutes Weal, a dtalance or 241 reel along land noW or rormerly
of Dene 11. Leonllfd to a post and corner or IllI1d now or rormerly'of I'l!nn Cenlral
Rail rood rlllht6tlf'waYI' thence NorU. 87 degrees 47 minutes West. dlslAnce or
1288.80 feet lllonll the land now or Cormerly or Penn central Railroad rlght-or-way
to. \Ioslln " ~n lirra liorhel' of IGlldA now or rormerly of Get!rlle n. M)'l!tR, Jr.1
, thence North 41 degr.ees 30 mllluteil Eut A distance or 674 feet throulh utd run and
1II0ng IDJld now or tormerly 01 Georlle II. Myers, Jr. to a spike In the Hhtet of
the aforesaid tfti!IIt10l\ed PennR)'IVanta JIIghway Routs '641 and Pla~e 01 BEGINNING.
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CONTAININl'J 9. '115 acres and being In accordance with surve)' of Thoman A.
Nerf. Registered 9Jrvl!)'or, dated June 30, 1970.
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Bxhibi t "13"
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OII.LQ.c~oJl...l!!_1L, ,19 91
NOTICE: II rhPdPl1 n ,'r~ separ.le Ill'miullon 01 Amounllll1-,nud
.
ilCllllla\iull ul AI1IIlIIIIIIH1aIlC~d
Amolllll flll.lnrr,1
$46,913,83
Amollnt RIYl'Illo VOlllhlprlly
&~N~AI: FINt~CE Amount Financed Tol,,1 of Payments
9.~ NTAGE CH GE lh. amounl 01 ".d,1 p,o,"I,d Ihl:' amollnt ~ou \Il11I11,'YlI palll allN
Ih. dollar amnunllh. 10 you 0' nn you, h.h.1I you h~vp l!1.\dl' "II \chrdulrtl Jla~ml'nls
lhe till 01 ynu/ cred,l cred,l .,11 cOil you
lIay.arIYIII.
9./,9 % $ 12./111.17 $ 46,913.83 $ 59,325.00
$
^mollnllll'~ on YOUl urOllll1
$ . .
An!~uIlIJI~I(I.o ~!h~I~._~1l r~ur. l~e.h~l!
10 Iluhhc allln.ls
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10 inSlll.nt" rOlTlplny
$ 93],34
10 .. !Imwh ill DeIlDs1L
Ll~. 250, 2a.eel/3D
10 .fnnncro,.l'ruat......
S .9.026.21 CC03736
10 J Ll\lchllrd Zinuncrm n
'. )0.000,00. cc/1373"
p~;~~~f!r~~i;~b'l~: 'AmounCO!~i~n~~='':-IS'''h~~'fai~'~li:A'' ii~~ . .. .
__._.6.t!__..... '.~IBh7L___ ,M~".lhl[.!'l"'!'!!'I..j)eccmbcr 12
Sttv,lIy; Vou are i'VIOi a 1''''"ly 101...11 in'
o Ih. ioodl or prol",ly brlOl purchmd
IXllb.i.1 dm,iphon 01 olh.. p'OI".ly) ._l'!.o~rtl~o oC .1~l!!.JI<<;!!lVlllc Jld. ls 350 I.ollgo Gn
fllllllf"Is..~/tIOOm lId. Cnrlio1c, I'n. 17013
III' Chall" II. pa,menl ill.lo, vou .,11 be rh"ied MIDllh. paymenl, bul nol mor.lhln S2 50
Pr,paym,nl: II you pay 011 ",I" you .,11 nol hlV! to pay. penally
See ,our conhacl documenh 101 any add,lionallnlormahon .boul nonpaym,,!. d.laull,any "Qui red "..,menl 10 lull h.lor. Ih. \Ch,dul."
dale, and plOpaym,,1 "Iundland penalhes
t lTlflll\ In r\hmalc
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iTh, Annulllturenlll.f Rile, Amnunt rinlnrrd and raY",'RI Schedule Ihn"lllhU\,t lilt pllt III lhil NIIlt nllll S('flllil) ^Il,rrlllfnll\l,hirh i\l'.lIrllthr"Nnlt'1 VUUllf thr
ptllon(or rtnnn,) who .i~", II "Uorrnwr,"nr "ro.Sllner"btlow, If nlOrt Ihln nne ptflnn Il,nl btln~. rnl h nf )'lllllAill ht lilhh-. 'C'flll'llcly Ind '"IlC'lhrr. 1m III ul YUUI
:promlltlln Ihll NOlt. "')
'YOU PROMlSF ORRSTOWN DANK OlllloWIl Pennlylvanla /"""" L 900 "'1
TO PA YlO liS "J - c:r-----
Inr In nUf lillie" a' nil)' nl 11111 nffil'r_.lhr Amounl riolnerd, rlll.lnltrrll I' rrn\'ldrd ~C'lnw, In 'hr ulllhrlllf ('IIIIA 11I1111(111)' 11")n1rlll' Ihu\lol1lnlhr l'n\'1Ilt'1I1 Srhrllult'
r.ymt'nU Ire dut' htgillllln~lln Iht d.'e Indlcaled Inlhe r.ymenl Srhedule and I1n the lime dll)'nf tIlrh fllllll~inllllll1lllh unlil ~t lilt pnlllln full YOllll1ny rlY III nd\'lIllre nil
Dr rill of the halnnre due 111111)' lime. without rtn.lt)' or plemlum,
.fF.CI/RITI' Af;RHiMf.'Nr: ^. ,,,u.i1y 10. Ih, p.ompl p.y""nl ollh, "'nil rOIl
D'At ud the rlorer rrrrolmaltrr of your rrnmlut In Ihh Nole. you and .Ulhe
.Co-Ownen" _I,ning hrlnw IIrlnt us:
fi) . leelllily inlelellln Ihe fullnwln. (leuon.1 (uartrt)', .nd ill tquipmenllnd
I<<eunliel:
I.
I/Oif' IN' ":Hf'S1'IS ('UAR(,.,...,,: I hl' I illDIll'e ('h.'Jt' l'un\hl. nlll)' III inlf,UI
Irnruml dnily IHllhe 1l1lhl,uullnR halnlll't III the Amount rllllnrrd at Ihe 1\nnlllll
l'tlernlAllt Rnlr. -I ht FiI1:1nt't (,1I.'p:t' \hn~1I Rhll\r 'U,nlulell hy I"umlllp:Ihntall
rl)'lIlellt' Wtlt 'l'\'C'I\'ed 1)lIlheit dutdnlc\, II RIlYrA)'rnelll h Inlt.)'1I1I n1ulll,ny IIlllft
nnlnrr ('hAlpt IhAn i\ ~hn~'n hcount nllhr nlltlltlnnalllltr't'\l illlrn!\t'II. If ~'1I" rn)'
ellll)'.lht rinAllfe ('halj.!t will ht Ie" -Ihl' anlllunl of Iht' iuneAu' fit deflt'''~t in
HnDnrt (,h:uJ!t "ill ht' dll" "illl 11ft In\1 ra)'rntlll, ",hlch will he mlldilied III nUtrt
lltt nrhlll amnunlthtn due
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,n:r.o,..,..: 'Iht Inw pivr, IU II lip:hl 01 Itl-nU In Iny 01 YUill rfnpell)' in 0111
r"~\t~~illn AI AIl\' llmr, inrludinJ; dtpmil "('rollntl 1 hi, IIItRIt! IhAI. if yon dtfallll.
"t iliA)' Utlri~t 11111 Iitzhl nl 'cl.II" anlt nrrly nn) or Yllm prnrt'lty in 11111
rn"c"lnn, inrhltlin~ tltrlnil nrrulIl1h, In lht \lfln' )'011 n\lor IIn tld. Nelle
Ou, lel'ulit)' Inltlt" indudea rarta. called wacceulona," added In Iht peuunn!
r,orerty III any lalu time,
(ii) . MnI'J'J,,,pnnproperties.oLl.526-1lewvillll.Rd._&.
.J5!LLoDlllLlJap_Rd 4- Caillole._l'a---l70lJ____. .
AlIlhe property ",hlch _erure, Ihia Nole II calltd Ihe l'('ollalel8l." OUlliflhlt 1111I1
)'lHlf le~pnn.ihllitic' lep:lI.dlng lit)' rrnnnal rwrert)' <-'oll.teral.,e rrO\ ided lulhil
Securily Agretlllt'nl, \\'hlrh eonlinutl on Iht In'tlle aide, 0111 dRlltlln any ftal
proptrly ('ollllelll afe rOhlAintd In Ihe Mnrlgale, AI YIIUI rxren~e, )'011 will
conruale and jnin wilh m inl18ninll nnd filina ducument! and in lakinB an)' nlhe,
"'p' ~hirh~, dre", nmll"y 'n pet feel, ",.Inllln petreellnn 01, .nd IOlilly nu, 1'I.001lINS\lIl^NIT ^NIlI'llOI'HtI I' INSIIIlANl'F MAY Ill' 111I1 ^INI'II
",e",iIY Inlmll ;nlh, ColI.I",!. 1IIIl0lllill ^NY ^"I'N I, IIltr1KHI Oil 01111'11 l'I'IIS11"l 01' YlIIIR
IF NO RF^" OIlI'I'RSONAI, f'RIlI'FRlV IS IIlFNTlnnJ ^1I0Vr, 11llS ['1I0IlT. S" III'"/nllce in pmJ"ph 14"llh, S...."ity ^J",""nl nn Ih, ''''''''
NOH IS IINSU'URFIJ .id,
CRF.I"r'N.'ilIRANCI.' IS Nor HI-'(}tlINE": Subjrcllo Rrerpl.nrt h)' the hmlfel nAlllrll hrlll\\, C'fntil in\uf:tIIl't i\ 1I\lill\hll' IhlllllMh u\ hll tht Irtln nlllli, Nnlr nllht
tenlh) "111\\n htlnw. Single ("edill ife .nd Single Credit Aerident c\ lIullh Inulllnrr Ill" R\Alllthlr Illllll)'llnr III.rtl1\lo'el III ('uSisnrr li,nln, lor IIl\lIranrr helnn Jninl
Cfedil urr 'mulnnre it nailllhle In Iny I"n of )OU slBnlng rpr luch l"tIllanrt hcln\\'. Nn rtrdil ill~U1alll'r "ill ht' rrnvidtd ullll'~\ lilt arpror,llle 'lalrment(" h ~i,ne,1 h)' lilt
pmnnllllo h, ;1I11",d Ind Ih, ,,,,,..hown "'low"" Inelud,d in Ih, A"'nunl Hn.nwI.IS" I III NOlllT or I'ROI'OsnJl'ltrIJIIINSIlIt^NlT on Ihe ",m, ,itlr I
hy lIJninp:, you \\Inl Sinp.le ('red it I.lre Inlur.nee. by Illtnln" )'1111 want Slnp:ll" ('lrIlit ^'rldf'IlI" Iltnllh n~ \llI;lIillll, ~'''" hlllh \\ianl Jlllnl (',..dill ifr hmllnlllt,
INhich rcuU _9.3_LJA___ Inlulanl't, ....hirh emit S~__ _ whlrh fll\l\' Whlll "ft
) 11I11 lI,r~'1
n.tlolJ INSIIR,HY("F: II dlrrhll 0 . ill\\IIanct' I, rrljuhed a,ah"l IItw.t
Ilnl1lA~r In irnrl.\\tlllenl pIU(1t11)' tll IIwhile home Collalelal.
"Htll'f."R 1 . .'1\','" 'R," N(F.: Illhi, Note h ~{,l'lIItd h)' l'nUllltlAl ,",'hkh i, Ilfll ill elll1
r"~,tulnn, In~III"n('e Aflnlll\l rh)'Ilralllalllllp:t III the ('ollalttal i~ Itl!l.lrtll leu lhe
rull tcrm nllhl~ Nltlc
Sllnllllft (11 rr
Insuranre
In h, inlllred 111I SinRI,Credit 1Tr.
SI,llllule ~frtISnnl"'hr'lri'llfrJ IOf- sin,ir (~irlili
Meld.nl4 1I,.lth Inll".nre
Whllls you, 18t1 _~______ Ytan
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SiRllatl,i':\ i~i hlill 11t1,llli. III h, i""ul'rd
fUI Juiut nrdil !.Ill' Inmlalll'e
Whal is ~f1ur ap:t1 _~.__~_ Yenn
Insurer:
.StCUm'y.. O!':^"'-t'!IE~.~!f!;H!SUR^tIEC COMr^tlY,-~!.dln~!. PIl., ....... u
1111: ^1l1l1l10N^1. H.IlMS ^NIJ SrnlRll Y AIIRHMI'NI ONIIII.IlI'\'IIlSI' SIIlI. MIII'AIlI 01 III1S NOll
IIV SlnNINn IInnW, ynl/lN11'NllllllIl. I.rcI^II.Y 1I0l/NIl III' ^II 01. IIII' II'IIMS III. I IllS NOl I.
.-:,/ YOII AI.SO A1'KNOWIHIlII' IIITrlVINl1 A l'Ohtl'1 1.11 l'I'IlI'Y III I illS Nil II'
350 Longs Gap Rd, Cnrllale, Pa. 17013
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Addl-r.,
NUlIn: Tn CU.SII;N.:n
V,," ar. h.hlR a8k.d III R"aranl" Ihl. d.bl, Think rarrr"lIy h.lor. Y"II dll, II Ih. Jlllnllw.r dllnll'lllay Ih. d.hl.lllll will hu. III,
JI. our. Y"II rail afford Iu I,ay If YUII han Iu, and Ihal YUII WillI 11I....plll,11 r"p"Il,lhlllly,
VII"",ay hn. IIII'IY "1,llIlh. IllllamulI,,1 ullh. d.hllllh. lIunllltn du.. 11111 I'IY, VUII",ay 11," hu. 1III,ay III. I... nr rulI.rllllll
rmll, whlrh Inr"u..lhl, a",ullnl,
Th. ('"dllor rail flllI.rllhl. d.hl frorn YUII wllhu,,1 nnllrylllR Iu rllllnl hum Ih. lIormll.r,'1 h. ('"dllur can u..lh. um. cull.rllllll
1II.lhlllll aRaln,' YUlllhal rail h. lII.d aRIllllllh. IIl1nulln, IlIch alll,h'R lilli, .Ir, II Ihl, ".hlll nn I" d.lallll,lhll larlmay h.mlll. I
11111111 y"'" rr.dll r.mrd,
,r 'O,\/fiNI'II'.\" ,\"llln, r .Hilll-I.H/,~ r ~'1lI1, tilt Ctlll~nltllllt"llll~1 "jl.nillf! A' "I'll '-;I"UI'I'- hdllll., I"PIIII\('lo l\;f~ It, U\ 0111111111 111111'1 Ih" ^'"I1IlI1IIII1:IIIlI"II,llhl\
l!llrl,nl an." lllhl'llllI"Il"'. in "'l1\'lllnt iliUm Nlllt IIlllnlend III hr IqlltU\ hllllllll 11) ,,\11111' Irlll1\ 01111,\ Nnll', \r"allll"h ;l!llllnvrlhn. 1411h Ihl' 11111111\1,1'1 \'(III.Hr
~Hn.lllM 11m 1"11I111" In trllllll't II~ IOlllah I Ill' IUIIIIlIlht 1I11"II\H.,t\"lllhllll~h Ill,. 111111 I'lIh \1,111 h" 11'1'11 till" IUllh" IlPlloIHI', 11I'11r1il \'1111 "'II''' Ihrt' \H I"rt~ ~Id
IIIlll1rlll1l1r (lll)rnrnllllllll ~1I11 "lIhllllllllll~illllln~ plim IltllllllllIII1lI'It\flltllllll'on Ihr llllllt1IHI 'lI11nl~t1 III .""I4IrIII'" IHfl\lllJlIII'llIf1l'lrll'llllIl'\ IIllh" Noll'
J:xiJ i Iii I "('"
i;.. SI~l\rl;' Sllm.IUlt
^,hhn\
1),111'
\'u"
..dl,"
. ,III III hrrlllr lilt' 11111' It Wllll'\ lllll'.
>I 1l1tallnl1 Ilf \l~lII1IUlr' A' nl1~ 1111I1'.
1I1l1l"'1'1'lrlll;
,11111 r1llf1trh .'rllmm IIn~ III ~11\lr r'nml\r\ III
of\ Iht Sl'flllily ^1o!1C'l'lIltnl.lhr Mnllrn~r.1II111 ;\11\ Illhl'l
II \lllllhl\\ 1lI111Ie'f hIliI' "ilh 11\;
.1Il~' 01 ) IllII Ilthl\ 1\ Ihr)' nl/llt' dur;
I h 'mi. '1IIlt'lI, Ilnl1lil,rtllllllnIW)ftl;
I ht, t llllalt"l,tll\ 'lilt!. ltilll"I'lIrtl,lrn\('I'. ~hrl1ll1 tlrhHlfll, In \\hlllr III III
rUUl.l1I n 1'l'nul1 "hili' IIIlI II p",ly tnlhr Srl'lllil)" ^.rrrmrlll. III Ml1llfZill!r;
I'wurdinll\ nIt' hrplIlllllulrr lilt II1nLrllr1cv ('11I11' h)' 0111)1111"\1 \IIU.
(1\1 All)' IUt1llnlfllll. rlllClrl1 nlllTlIlllllplliml )1111; III
(\) ^"lIl1 )Iltll JlIII'lt"I)' h llllllfhrtl 01 \Uhlrllln htllllllmlrHnl
lUA flt.r A NIl HI.(ll/IIIIII" 1111/,1' I I^' 11"1 II 011\ Ilrl;lIIl1 ,..fill', "'
nn)', II \.\r dllllUt. "ncfrlrrnlC''''hl' IIlnllJril\ .,rlhl' NllIf 11m IIIf"I1'"f 1II11\ IlrdlllC'
hrfl1111c Itmnimn" ullrnid h~lnnn'llllht ,\Ill11UIlII'il1nnl'rtl nlllll'allU'II ltllrtt'l III
t' iml"rdillrlYllllt 111111 rAVAhlt-, 1111\\r\',r,1I Ihil NlIlt It IfrUlfl1 h\. Mnll,n~t' 1111
e~itlrnll.1 Irnl plllrrfl)' ('nlllllel nl, I' ,rllujlrd h~' IA\\', "f"ilI 11,,1 "1111 )'uuIlImrh
oliu' nr Iht l)('r"lIll. Olhl<iill' \nu nr YIIII, .11,111 In rUlt lilt IlrfRlI1I PllIl III 1111I
nltlllltlllln lAh '1'1llllllr \-1111 dlllUll nllt \ulhilllhr Ilmr rrlll1l1 rlll\ltlt'llln mil
Illlrt,lf"r fIIr all UlillP In rjllln'l Il1lllUIII. I"Udault. )'011 allll "Illtf In r.1\ nil III
ur cnUII ,'IIU' Inll nUl fU\llllnhlr nllllrnf)'" 'eft 01 2()~r III lilt' alllCllllllllut 011I
i,hllO Ct'llltrl nlllllor)". rtt. IIin) ht' limllrd dUlln,. Il~)' curf rtllnll ,'ru\hlttl h)'
\\" Wr ~i11 ('untlnue In hllrmt lulelul dnll)' nn IlIllhllt l1"td It) t11 .llht fair
rmlLlrd In Ihll Nnll' llIllil "-t Itcth,t ra)'l1lrnt In rl1l1, Htn If "'r hht nhlllntll
tf~",tnl 1"lln'l )'011
,.f 1 /;'('II,t nt,'''',\'' If AII)'ra}"llltllll. 11f\lllInlf(' \l.hhln l~dll)1 n(\t,t1lu'IIAlt, lit "Ill
'''~r 111111 )lItl n~lrr III rA)' .llIlt r'~lIItnl chllpr nf ~rff. or Ihr IIhlllllnlllf Iht Inlt
)lJ1tnl. l1ulnolllllllC II1IHI U,SO
11111111 r 1',1 fll O,'S: If "":Ir It IIln.r 11IIIIUllt IInr'o"-rr nn Ihi. Ne\lr, III 1111(' IIf
lIIc('u-SI,lIru, 1111 tlf ~lIl1ll1hli'(llinru\lll"l hr rlill1I1'Y, hchuf )llll ~'II! tit linhlr,
rillRlfl)' AllII ",,('Ihtl, fill nil nr )lH" rrnllll'n In thl. NUlf,\
AI,HIIMS
11'11111/,\ II \H' 11e'1 1,111' Ihl'ullpald h,II,HIlI' Illlhl' NlIlr 1I1Id t',IIllnllllh'rf\11ulll'
1"'"11'11111,.h dill' '11111 P,I\.lhll', \1111 unll" '11111 li,lllh Illll'qllill' 11\ 1,1 1111 It'lluiu
I hlll~'\ I hU~I' I hllll'\ ;!tl'
III 11I1h'1II;11l11 P,I\1I11'1I11I1 :111111"111\ ,111(' l~lIt1Ullll' "IIII'\rl1ll11l'Il'''),
1111 III J/I\f /1111111' Iholl ,11111111111\ llut' 11,1\1' fllll hl'ell 11.1I111~ 1111\111 ,I' "l1n'l. t' III
Ill\hUIIUl'l ;llld
Ilill 1i1uhllllll;lll ullll 1.IIIt'Illllllllltlll nllll1ll'lMIIH'1l1 f~lltl\tll il\ "I\lllll'\l")
WI' \1.1111'1111' 11.'hI11l 111';111111\ 1'111111"11\ "11'1'1 Ih;llllht f 'tlll,IIl'llIl.., '1'1'111 il\ 11111111'
NIIIl' ,\ \lilllflll! illl\ III hi" IllllllIll)'hl, UIlIIt'III1I\ NlHI \\11111111 'll'tlh'tlhl'lIlllnl
ill' in II \I'!Ilt'11 'Hill"I'
^'fJ ,\'0111 ,- flU 10\,\ "I /Ufllll,\ \\'1' lllll till '111\ llllhl' InlllmlllJ! ntlhlllll
Idhll~ ~Htlllllll'"11! 1111\ 1I,'hl' 1Ij!1I111\1 \1111 PI IllI' {'llllall'lnl
III lit It"ll a 1 ht'l ~ ,11 Hllu'llllth'lllIiII~I'II"I'a1llllllllll"", "1111 ,illlll.tlllIlll!lI,II" ;1\ n
r,lIlilll '1,1\1111'1111111111'1 Ihi\ t\'HI I' ,
(111"1\1' Illt.lllltlUalllllll'lll1 1';1\1111'111 III nll\ .1I1l011l1l1l\\il1J! IlIIlh'llIm NIlll,
lhll nl'li iW,j!IIt'1I1' Illllda} nl'HI,illllllll\ IIJ'hlllJ!nlmIIlU\ l\f"nlllllllllll'llI~,
Ii\! lllt.llll Itltll\t' ,"" '1I'1'1I111111""Ilt'II, lIhlq'i1lrllllllllrf 1111, NlIlr, III .
1\1 lUll IU!,lnlnllll 1'11111I11'1111I11111'11"1 illlUl\ III Ihl'C'lIl1illt'llll
10.'" 01 I tJ\,\ 'lilt \\111 It'IlLlill Iltllllld h\ Ihi, "llllt ('\"l'lllllhl' {'lllllllrtnl" 1."1,
'1IlII'II,lllllllilVI'llullh'\IIll\I'11
111:,\'1111 ,,""/I "lIUOI_,", Alllhe hnldll. III Ihi. Null' ,lrlllllil\lll Ih, lItll
UU'ITUlII' 1l1l111l\,i~I1' I IIr lIhliJlntinlll ,llItll hllld )'011, nllll }llUI htll', rl'''1II1111
rrrlf\tlllnli\r' !tllll nui,n.
NOII".\" ""lr', IIlhfl"I'f ,rquilt'll 11\ lilw,l'nrh tltlllnlllllll Illlllu' 1I11111'f 11m
NIlI,. dltlll hl,t!llhrlrll ill 'fill h\' Iq'lIlilllllAIl, Alltllthrllllllhr I'nll~ nl ii, IlI!tI11'''' n\
'lfll\ idl'llllllhi, Nulr I ilhl'l ,MII\ 11I11\ I'h;rllf!t' II, nlllht~, h\ J,'i\inJ' '1I1'h n Iwlll'!' tn
lhr IIlhrlllllll ~ Utll\llllllhle IInlitt, \\ hrll IIl1lirr ,'Irqllhrd, ,hall ht Ilttlllt't1ln hi' III
IIn,
l,.f II 1111\ Nlllt "III hr fltl\rll1l'll hv Illl' 11m' nl IlIr (llllllllllll"rllllh III
I'rll,,'\hill1l", lilliI''' Inll'lillln\~, i1p"I~
Sf.ntnu \' A(alHMIN I
T liON I. 10^N ANIlI'IIII ^ IIItAI, WiI," you.i," liIiI Nnlrllnd,lrI"t.
In m, iltld wlI1pltle IhC' IIlhu Irllllilrd de\ail., ~f willl1l.~t a lunn In >"11 I hi,
rtlli~)' ^rltr,lIll'nl nrpllC', nlll~' III ,I('nllna,l tlf~rC'IlY dt5rli~td, ", ('~IIlIlIf",,1 tin I ht
1111 \1I1e- Ilrlhl!!. NIllc_ ^l f1\l'lllnlht 111111'"111" Snllufl5 uflhl' Set'Urll)' ^'fttlllC'f1I,
1111" 01.11 illdudC'\ All)' CU-()\\l1tl III Ihe ('1\laltlll,
VOIIIt 01111'11 AlillHMrNIS
OWN, SITI. 1" (', Yllllll\\l1lht ('llllnl\'lol frer and drnr nlnlllit'n. Bntl
U1lly inh'lc,u. "1lI1 "ill filiI \rll.llnn,'tl,len~c, IhC', dtlhrl tlIUlht'\\i'iclli'r"'t'
Ih~ ('nllalrral. in y. hole Ilf ill pnl!.ln an)' rrr,nn whn I. nnll flall~ 10 Ihilli Strm il}'
ftrrnrnl \"nll "ill 11111 rtlmil all~' !itll nr ,reuIII)' Intt,tst In ttr nhlnilletllln Ihr
IInlelnlulhl'r IlInll nu"
MAINI ^'NINOI III: nu I ^ I I HI\I ^t ~'nll' eml, YUlI "ilIl11ailltAlIIlht'
Unlt'llIl III plllulwlUlilill1l 111111 Iqlllil YIlU "ill,llut,.e il npnill'tloullf 1II\lIlAPt'
II "ill Jlll)' nlllnH" AI111 Illhtf dl(ll~el I1n Ihe ('ullllt,al. \'tllI ..iUIIIlI u\r lhl'
1I111e'11l1 IlIrf!<lII) III rOI hill',
nrpOSl1 M,(,()IIN I S If Ihe ("ollalr,nl rn",i'l~ fll A Ill'rll'illlrnllll1lllr
1iI1t'ult' ul Ilt"(I\1I,"l' 11I11~. Iflu\r In IllIm\ ~lIl1ln dlllf' Iht nt't'Hlllllllf "illllllnw
'0111\ hum it. 1l1hr Ic("u!lnlm cCllifirnlr IIf dtpmil mnlUle, ..hilt lhr Nnlt
uim lInrllll',"e "'illulIllIlllalirnll)' frnf\\ Ihr clrrll,i1 rm Iht ~nR1('timt rl'fillll, n~
\illrll inlhr llt'pmil AJ!It'('lIlt'IlI,IIIlIt'\\ )1111 81111 "C nlUfe Ihnllhe drpll'il 'hllllltl
t"e"ftl nn olht, Irlnu, I Ill' ftllt\~al dtrmil .hall ht (',)Unltlal '"I*'t'l IIII~h
util)' ^lztrl'l1Itnl, I
INSIJR^NCT While 011)- '1111I' nrr n~til nn thi. Nlltl:', )'nll "iii/rail}'
Iflllll"t nn nil)' ('IIIIIIIt'rol "hirh i, 11111 ill 1111I plu~u~lnll np:till'llilt, I)lrll nnll
I t'B'IIAlt)',lhr rll1kynlll'l rllnlllilllltlrdurllhlrrll1UlIiC And he in:ln nlnuunl nncl
Ion In"lIff lhnl AII' .nli,IIICIIlI)' In I", lilt f1nUe)' mm' nlllllt' Ifl" Ihr "Ill'"
t. "'I ht pulle)' nilI'I rrmilll' Ihnl 011)' 11m illn hr rn)'nhlr In \nll ond In II' I" 11111
fnlt Rpprnr, II 1111/\1 nhn rllHidt IlIal"t he "h'C'n nllllf\~'lhntr'llhljf\"'rli(\1
lell hnlirr nr Rn\ tnncrlllllinn m ff'durllnn in ('n\-'rrnlf~, fnr,(ln~' rtn't111 IIrnll
11',1, )'011 Ihllll tlrli\tr Ihr pnliril",l't'lliliraln nr 1I1hrr t\i IIfr ul ill\lIlllllrr In
f1lht nrhl nlllll\ Im'lII dllIlWJ.'l:' In Ihr ('nllnlrlnl, )'1111 III illlllu'lhnld\ 1111111\
I "lilil1J! 01111'1((' 0 Illnlllllllll" \\il" the il1'llIer We 1 ) lilr II rllll\llIllu""1I
hthnll it \nu l;rlllu 'Cltl'(, 10 1111 tll We lIIay 01," ",n )'flIlf namr III nil\- l"hrl"~,
I III nlhn nfllrllllllhr l"I\IIlI'nl nl ill'llIl1l1t'l' r'ytrclh intiit' t\C'lIlullou III
npt In Ihr ('lIUillrlnl II il "l'llIl1tllllitnll)' fra~hlt', ill nlll jUdl!lIIl'll1. \1{' "III
)' lhr intllfnlH't plnl'rt"~ III Irrllif Ilr rtplnl't ~J(r ('nllnlrlal. {)I hel" i,l', \\t "III
~ lhr I"nrtrdl In frttllft' IlIr ""11\ ) till fl"t nfllhi, Nlllr
NOIINO OIJlt SH'lIltll "IN II Iusf If ncrflllic~le III tillt 1",';aIl'IIlOI
.llllllh'IAI. ~1l11 \\ill n""1 '" ill 11l1\-~ filiI ~rnlfil\' illltfr~l IllIlrll UII Ihr
irAl(' III lille ,
2 (I \'Olllt ^t' I II II It I I , I 0 II~_ II .IlU 11111 11I\ln "I1ml h Ic""ill'lllll \1111 h~
SnliulI'] !, 2.. allll " ,\, \\1' II"'~ JI "r t:flUII\t', I'erlmhl )'llUlllhlill"liulI' nllllllll\
ulrh t'll\h olllf r',lfll\1'\ Wt' njtllllltllhl' IIIlIlIlIlIh "l' Olhnlltl' In Iht' '1111I' lIlt'
1I1l1111\H'IIl\'f\ IlIllhi, \'nh',llll \\hkl!"f impmr IlIlrlfllll' rlll\itkllllllhi\Null' If
')ulIlalllll 11.111111 \11111 pI II III i 'I.'" III lIIailllain ifl'"lllllft in""h'l'I, 11110 fla~ flllll~ 11'1",
Iduo' III I ht, I'll'" lU'lt"fll\' 11\ ~t'l'p Ilu' ('nllalrl III in I!llllll t"llllthl illn nlld I t'l1ail, "t'
rn.I~, iI \\1' i1111111' thUml',.fllhIlIHl' alJ\ '"111' \tlll 11I1I11Ii\('1111I I'il~ llllll n!llnin
It'rU\:,I'lIIt'1I1 lIl\llIallt'l' 11)'\\1'\1'1, llll\ II'pl:rn'l1l1'll1 il1'III<1I1('r \\l'llhlllill hlt'll\rllll\\
III 1111l1'~~I'lllllll' ('llllal}1111111;1\ Ill' IlIujlnlln nn illllllllnllllll.',rah'llhnll nh,11 \nll
11"1' 1111 \hl\ Nult' 1\11' illlllllllll "t'lllhlllln'lIl1 ~1111f tlt'lllIll "Ill lIl' llllth'lllrllllt'
hillUllt't' I;l( \\ hll'h "t'4illpmf I inollln'<< '1I11l~I" Illlhr ^"llllIlIJlt'll'enln'I' U:rh'lIllhi,
Nuh' ill\lll~ll\ IW(l'rayahh' iii III1IIlt'lIlillrl) Ul1ollllrlllallll: IIi) alllll" "1111 \'11111
1Il11lllhh 'l;1\'(I1t'llh, III !iiil ill Illf 1'l1d Illlht' NUll', fl\ \\1' Illu!ll' lI1a\ 'pt'lllI 11,,1
pa\l1lrlth 1111 ~\'lllll\'hall \\illlltll tllll' \IIIIIIIIIIUlt' In rflltlllll \111I11111111",n III !hi,
St't'lllll' ,"~II.'''I~l'll1
] 1 IN\I'1t IIl{N \ till \till pl'llllllll\ 11l11I'IH'I'1 Ihr('lllIlIll'Ialnl 1111\' lI'II\I'lIilhk
I\IlIt' \
sn' I 10"1' \0 Loss III n Hill. S I hr Nlllt nlltllhi, S(,t"lllih -"r""l1lt'lIl
mil) Ill" 1It'~llll;llfll,It\,ll"I('d, t'\It'lIllelllll rrnr"t'cf h~' 1I~ ..'llluIIII Iflnl\illl!- nll~ 01 \C1"
tlllhe' (.nll,llfllll W" 11l.'~ IIdll tlIldl'II'I' .11I, pr'''lIl1l11 f1'l1l'rrl) nhllll"lnllllllll'llhl'
N'llt' .lIIlllhi, ~nUlil\ "Irl.II't'llIt'llt \\ilhllllllll~illJ.! Ulll fifhl' inlhl' (1111,111'1111
SI'(' IIClN ,t nil Alii t. ^ Ilrl II 1111 1lI1lkl Ihr Nnlr \\illlll' II Ddllull umll-Ilhi,
Srnllll\ "~It'l'llH'111 I" 1I11t1l1,nlllllllllllll'll)!hl'11l1tllrllll'llll" nlll 't'IIIIl'1I pull'
urnn tll'lllllh "hlth 1111' p'o\i*'llullllnlhl'llnllnllll ('ultlll1l'Uilll (.lllk,III"'n 11I11
drdalillJ! lilt' Nilit' III hi' IlIIlIlrdlilld~ Ilm'llIlll ra)lIhle:
41 ,\1'1'111 :\IIt1N III f)11'USII S \\'I'llIi1~ i1l'pl) 1I11)tlt./Ill\lh indllllt'lllllllll'
(.lIll;llt'llIllIf!IIlIl\llhl' 'Ull1\lIll' UIlIIII\\t'lll....C' nn Ihl. NUll', III U' ('lIl1ilh'lllll'l'I1~"I",
nlu lillll' dtpmll III tl'lIllirah' IIllkpmil, 1\1.' lIla\ It'IIl1illllh' Iht, Ilt'l'll,il hrlul(,
mallllll\ ill IIldl'l III 1l'"llIr Ult Ill\:, In!lalt'llll 11"1.' Irllnillllll' IIIl' Ih'llU\l1. Iht
rHllllari Illlh"lmil Itl i11'lllllllhlt, III" lIIa~ It'quile IhAI "I' IlllrU'e 'UII\I:llllinl
,If!lnlllt" fll' 1111' I'arh \\llulra\\al
,,} SltltltlNll1 It 01 nil I Alllb\! WI' 1IH1) U'tJUilf \011111 ~Hllr"lh'llllI'
('olllllflnllo 11\ illlllt'il\llllnhl) t"0I1\l'IlL'1l1 phrf "I.' Ilr,iVllalr
'" 1'1:\1 '11111 HII'OS"I SSION II \illl dnll) '"IH'llllrl llll' ('nll;lln"lln 11\,
"I' lllil\ lall' J1I1Ht'uinl' nlll, \\ilh III \\111,,'1111 "',!al ('IIUt't'\\, In fIllllldillltl' \\ilh 1,1\\
"lIllll11lhnli/l'll\ III III :lH';lhh \'1111'1111'1111,\11\ l'II'lIli,," \~ht'Il'lhl' ('III!:lll'lallll;l1 hi
Il1l'all'llllll 1111'11111111"1' lllli1~III'! j11"~l'~',1I11l illlll ftIllU\illl! II
",t I \1'1 '" "f11 It 11'11,",SI \SIO\' '\1'10 S HHt t\(if Wr fllll} rhllll't' ~Illl
HIli 1I':I\llIlahh-I'\l't'Il'I'\ 1I11I'llil\\r""W.llilll\pnllillJ!' ,q'aillll,', '1lIlinl! illlill,dllllJl
lilt, C 'Itllall'llll ",ulllll'! .1\ Ihn ;lIl' 1I111l\~nl h\ 1m
4 \ ,,\ II f If (011 .\ II 1t.\I \\1' Illil\ \1,11, ,,"iJ!lIlll ddlll" Iln' ( ..!lUll-Iii! al
11111' UIIIIIIII' Jlu"I", UI pi 1\.111' ",In \\1' \\111 J!i\\,\lIl1ll'lI,ullilhlt'lInlin'nlllh' lillll
illlll platt' III \nlt' WI' Illa\ 1'11I1-hil'I' Ihl" Illl;jll'll~ Allhlll "'lilt', ht'l' Ulllll\ I'l!llllu"k
III h'Villll,!hllll tLUIII \ till 11I,1\ ha\ t' iu Ihl' I 11110111'/11 \\'1' \\ ill ;ll'l'h I hl'lllulTlIh III
~lIk IlIq 111111" 1'\1'1'11\n IIl1tl 1111'11 IH lilt, \1111I\ Ihl'lInllll\H'1 It\U'''"lllhl\ Nn!t' WI'
"ill "ll\ ;111\ '"l plll\ III '1111 11;1 '1111I1\ '1111 ""'.11 1111I\,lhl' IllUlll\\t'l IlIhl ('11.1'1)1111'1
11I11\1 pa~' 1111111'
". ----;1--,--. NOI~('i-();I"/()I'IlI' II 1//1 /11/ /I.\fi// 1.1'( I "
Silllltll'lnf lhi, Nuh' htld~rahl\lnlllke IhAI f1ltHlf1crtllil hlt'llI\llIi1mt't'Il\l'lrI~(' nlld 1'1 t.'IlIUP I Hllil lit I Id1'l1111lUllw,lllh 1Il~lIli1lHr I'lI\f'lilJlI' "ill hl'llfll'lh ,.hlr hI
NUh' II ~lIl1lallrd Illllh(' I,hlll orl hi! Nnlt /flld fftch 'lIch 1\'rr flf fIl\'tf a~I' II III hl' \\ Illlt'nltl I Ill' 111\111 illlll'II'IIlPiH1\ flatllt'll I hi.. ill..lll amI.', 'lIhjnlln ntt'l'fllllllU' h\
ill',lItr1 1'11I"1' IIlIh !llt'11C1\lInl'I'il!l1illJ! llir Il'll"nt rur ,11th ill\lIIlllH't', 'I IIr UIIIIIlIIlI 1l111l,II~l' i, illdll alnll111 r;ll h hi t'tlllll'llillll'll'nIU't'11l ht' plllrhn'rd lhl'lfllll
hl'llI\llIUlltt' \llllltlIlHIlt'lIfl' iI\ nlll11'dalrllll' intlrhlrdllC'\\ h illl'lIl1l'd U11I111hl' tlalt' It II 11\ \\ hit II Ihl 1IlIt'!I",1 III I 1!l;lIIn t hal,n'\ IHTlUt', i1lah'I,1l1l11 "ill r' 1'11(' 1I11111r
lillal \(-IH'lllIlnllllllllllil\ tlalt' ..llIu' Illlll'hlrllnr\\ Suhjrt'lltl artTflliltltt' h) lilt 11l\1lI1'1 !llld \\ Illllll IIlda\ ~ lhrll' "111 hl'IIrt1l I'll'll In Ihl' j"'IIH'1I llt'hlnll\l iltt'llilirah'
Il\llllllltl' IIlHH'lulh Ih'\lllllllllllhl' 111\11I111I0: 1111111: ru-nlllllllt'lli1) lIIt.llIllllht, Illlldllt'dllt'" 1I IdUlll1 01 IIl\ltliUlu' 1111111'1.\ 11\11 Ilt' 111111"" "111'11' Ihll'
U\'1 ~t1lllol"II" I IOJ"'1 I 11l1' I, ~I,
NUlIl'I" SI.I: IIIONI SlIlIl UIIIMI'UIIII"III~I UIIM,IIIUN
A1IUIlIUNAI. HUMS
ILtlII.U.\ II \H' dnluH'lhl'UlIl'uitl hallllU'r 'lllhl' Nnte 111\11 "IIIIU'11 mf\'IC\lllI he
ltllllll',hull'h Ilul' llllllllll\nhk. )IIU ""h( ~1H1I li~hl\ 1Illt'I1Uhf u, In till ulluin
thlll)!\ I hll~r Ihill~\ nit'
ti) Illllrrllllllll11,1\llu'Ullll illl'IHIll" ,1l1t'1~1l11"'n III "ptr\"IIIIl1l'Il'''I;
till In ~1\1' l\\IIIU' Ihill 11II1,"1ll1\ ,1m' 11iI\(, lIul 11I'tll l'nlllll.lIl1\\1l .1' "nnlil'f III
111\11111'01"), 1II111
IIlI} In uhLun.1ll ..UlIl:lIIl'llllll 01111111 III11tllll'.I\Illl'1I1 tl.nll\\llll\ "'lInln"',
\\1 II .11\1' llll' 11.'hlllllll IU ,111\ P' "Plll\ nlhl'llh,lIIlhr (1I1I,llrllllu\ \n III in t"lllli,
Ntltl' ,\ \\ ,1I\t'l III 111\\ "Ihl'! 1ll1lUI Illlhl\ IIlUlrllhi\ Null' ",II nfll hr dlrdl\r IInlt'"
ill\ll\ll\il'"I'lI\\lIl1i'I' \
\" ,\r"'1 , f'll 'f'" III Illf.Il',\ \\", I'nllllll .Im IIllhl'I'llIll"ill~ \\111111111
Idlllll' \lllIIIIII"IIIl! ,11I\ 111'hl' Ill'lllll,1 \IHlllllhf ('nllllltl,ll
III III Ifi'l lit hn~ l'IIlIIII'llIllkllll,lI~ltl "11AhIUIIIIIl"t1l \\1111 .imilllll.ulJ!IIlIPt' II'.
!,"lllal P,I\Il\I'lllllllLh'llhi\ NIIII" "
1111 I'IH' Illhhllllllallllllt'llll 11lI\lIll'lllnlnn) lllllllllllllllAlIllI IIl1th'l Ihl\ Nil"',
11l111'\t'HI'I', ,'1\1'''1' lllllrlll~ 1"l'I\"I~llIp nll\ IIVhl AJ!lhl'lllll)' I'rl\llfllll plllprll~':
li\lllllclllllrlrll'l' ..11\ prl\lUllIl fll "111'1 IY uhlipnlrllllllllrllhi\ Nlllt; nI '
1\llallllll'I'llnlllll'lIll'llrlllll inlrtt"1 ill 1111\ 1I1111l,t'tllblltlAI
In,,, 01 III',' Yllll \\'iIlll'I11;lin hllllllll h)'lhi' NIIlr t\C'lIl1lhr ('ullr\ltlul h In\t.
,III"",, 1IIIIll,II'i'llllllh"llIl\I'11
1l1:FAI1l, 1:,1 hr fulllllAln, lllr fllrh "l)c!;IIII"":
(I) Vou IliI Itl m.h flny 111)l1lrlll hi "' t1rllll htllHf llll' ItA) II WllIt\ JUt,
(Ii) \'011 rln\'l~t' UI "i1hJn"r InfllllllRllnn III ~IJlln'lIlf1 nll"l) llmr;
(IIi) Villi dlt 01' hc:rtll1lr Il'~lllh IlIl'IIlllprlrnL
1M \'tllI llll Intt rlllllllllh' 11111 rllll'l'lh' rrlfnrm nil)' III )llIlI I'IIIIIII,C" tll
lthltp.,Ilillll' in 11111 Nllh', tht St'llllil)' ^Il.lfrmrnt, thl' MIlII~n_t,llIl11l\lI) IIlhfl
nt;1'l: II' n~II'rl1lrnl ~11l11111" ltl lillrr IIft\f "ith \1\;
(\.) \'IHll'IIllI1111 rn~ nil' tll ~llI'llld'I' II' lhn 11ll1\r IllIt;
t\'il Iht ('!lllnlr,"l ,,111'1, \lllkn,llnllllllnllll Ilf\llll)ClI,
(\'11) 'lilt (',,\lnlrtAI i\ 'Illtt, IlIlll\lfllrll,lfR\fII, pl\,tllIII Ilrli\flflt. In \\"Illt 111111
flirt. In IIl,rnllll "hn 1\ Ilnl R Ill"l~ III lilt St'l"Ulity ^'llt'fmtlll, III Mllllpllpr,
(\o'Ul) lftlftl'llill'!\ nit hqlllllllntlrf 1"\'llallhlll,lr~' ('nelr tly 1'1 n'lIill\l \1111.
(ll) ^"V jlltl,lI1rnl h rnlrlnlnt UTI"II .pllin,1 )'till; nl
III ^n)'1I1 )11111 11I1lI1fll\'I\ "",\thrlll1r 'uh)rd In bel'" lillII'llI'll
/l/:rAII/.r AN/) III.VU'II /11'.1 nlM" /111 I'I/.: 11011) 11,1111111 "nil", ,It
"lilY, II "f dlllU'l', "lIlnlrllllt"'lhl' 11"llmlt\ 1I11hi, Nultl hi, lIlrnll\ \U'I\IlI~ llftl:m
\hl'rnlitr "'111111 lli II , 1I111,Olel hlllAIUT llllht ^1Il1l1l1l1 nllnnrtl' 111111 fA' nfllllllrlr'llll
hrlr"lilrdialrlytlllC'llm rn\'nhlr IIu\\t\!f, illhh Nul! h Itctllflllw R Mml,n.prllll
re.ltlrnlinl 1t'1l1 l'lllrl.'ll)' .nllnltrOll,lllt'lUlItd h)'III""."t ~illltuI \filii )011 lIl1111rh
nnllrt nf Iht IldAIlI!. nlhi'\l1J1: \l1I1 III YIltIf II;hl In elllr thf Ildnullllllll nlmll
lnlrnlllln Illlnh 1l\'Iillnlr ~1I11lln IIPI (1I1r \loilhln tht Ihnt ptlilllt l"II\IIIt'11 ill IlllI
nnller If \lot IlIr 1111111 \llln In IllltnllllllllUI11\ 1111 )dUIIII,) nil Ahn nll' tl' ltIIHI~' nllul
lJU( eltull I:ml\ Illlllllullr"~illl"hll' lllltlll1f)'\ 1ft' 0120% ollht A 111 II II III IllIt Om
"flJhlltl (ollrrll"hllllt')" fl I" ll'll\ I.t' !llIllltll Ihllln, In" rlllf rtlilHI plmhll'll h~
IIlW, Wt willl'lllllinllr III IllIpml' lIllt'lf" I!llil) till nllllllm 1l1AC'11 hi tl\ Billie 13lr
rll1\illl'd In Ihl\ Nlllf 1I111illAr Ifrrl\(' 1\l1)"l1Itl\lln full. hrlllr w. hn\t uhulnC'tl
JUII,mtn' 1~llln'l )"" '
I,A 1 r(",~ IHi rs U 1111\ fl.l~ IIII'll! I, lI11lmntlr\\hhln l~dn)"llrll'llllr Ihlt, "t "Ill
chnlJt Inti )Ull nllltl'lll 1'11\ 11,llt Illl)-lIItnl l'hnrp.r nf 5nf of Iht IIluntlnl III Iht lnlt
ra)'nltnl, hUllIllllllUlt' Ihnll \2JII
AlfII,llr1 r root Il 'US' !I11U'f( I' IIlIl~r Ihnn tlnf I1nflu"r, nn 11th Nlllt. III 1lI1t III
mmt('u"Slll1rt\, MUIII )IlUI 11hIIIUllillll\\hl\1l tit luitnn,y" rarhltf )UtI"i11 ht hnlllt.
ItrllRlel)' nMlllnp.tlhtl.lm n\llll )ttlll rflll1\l'tt In 'hi. Nlllf,
11I\'1111.1,\/1 IltIIlIJ/\' ^lllhr tlt'IIrlil' 111 thi\ Ntltl' \1111111;1\111 11\, mil
'Illlt'''''l' allll n"il'n~ Ihl' nhltJ!i111HII\ \hnll tlillll )'CIII, nllll )11111 hdU,I'rl'llllnl
Irllll"rl1l,IIl\1" nllllll\~j"n'
"'''"f 1,\ IInlr\\ 1II111'I"I,r lI'quill'll h)' 1,,"",l'Arh Ih'11l"1lI1111 llnlht lllllll'llhi'
Nlllr ,11:111 111'lll'll\rll'llllI ~C'1l1 h\' tf~lll;lIll1nil, nlllllrhflllnlllf' rAII\ AI 11\ AIM II'" n'
11111\ illt'tl in Ih" Nllll' 111111'1111111\ 1U1I\ l halll!I'II' ul!illl''' 11\ philip 'tlll'h n lltlllrl'lU
Ihl' Illllftl'lIll) Itl'll~lIl1;lhlf IIIIIHl', \\hl'lllllllln' i, It'!lIIlClI,'"nll he II(,l'llll'llllI hI' IH
tllI\'
I.tll Ihl\ Null' "111 hl' lItlHllIt'l1 h\ thr Ill~' Ilf Ihe (1111111I1111""111111 ,II
Ilrllll'\hllllill, nnlr" Itllfllllln"' nJ'lph
srnlUI1\ MiIllHlfNI
5ITII()N I" I'MN ^NIII '1)1 I ^ II It AI Whtn)'IlUllilllllhi\ Nlllr HIIII Ilell\rl 2 fl \ III 'It ^ t '1111 )ltll \' I C IllS. II \1111 11111 Itllln "h,1I I' It'IIUilclll'l ~Hll h)
11111 UI. D",I rlll11plll' lh, IIlh" "'I"i",\ d,IIlII.."' "ill 11101. 01"011 III )lIl1lhl\ Sn\lllll' 1 I. ) .llllld ) \. 11\' ""'~ ,I ,1\' rllIlI"', 1',,111""1"'" \Ihli~""11I" 111111",,\
Setulily ^ulr('l11rllllll'l,lir\lInh ht 11t'''llliill plllptltydul'Iiht'11 A\('ullall'lnlunlht Ult h 1'11\1' illlll 1"1'1'11'1'\ We \dll ;lllllll1r 1l111ll~1II1' "r 'lihann'l \lII,IIItI, ,'I~,Il' thl'I'
11'" 1I111ltH\C'llml'\ HIlI"i\ NIlll', 1111 " hil h\\t' il1lltll\r 1IIII'lt,'III\ Plll\h l'l 11I1", ,"'lilt'.
frnnl iitttullhi\ Nnlr ^s u~l'tlln Ihr Inllll~illp.~rclinl1,ullhl, SrnUil)' ^~Irrlllelll, )11t11;1l11t1 hlllllll )11111 1IIIIIIli\t'" 111 lIIilllllnin ill'"IIIlU'(' lIlrlh'tl,llll11 I'HI\ Win)! 11'1"',
"ynu" Rbnindllllu nil) C 'n Ch"lrl IIC IIII' l'llllaltlRI. 111\\'" nl Ihl' \11\1' lU'n.."l1l\ IlIll'l'1' Ihr I '1111111('1111111 ~nllll fllllllilillll iIlHll"I1;IlI, \H'
,. I 1ll,1\, ,I "\' ,,11I1lt' thllll\f, AlhUIHl' nll\ 'tllll" \lIl1llltlml~t'd In POI) !Il1d IIhlllin
yCJllll OlllHt Mil\! F~UN1S H'pi.\lt'lIll'nllll~IH;Hltl' 11\11\1'\1'1, ;111\ 1\'plall'llll'1I1 111'11I111I11' \\t'nhl.linhltilU'llm\
1II 11,ltll,I,~r 11,1111' C ,,1l;llrI;lIIll;I' hl'lllIIlll'IlllI illl 1IIIIIIllIlIllI0l1'II"IIII',lh:\II-,\h,11 \1111
11\\1' 1llIlhi~ '1111' AIl\ illlllllll1l \\1' "II\llIlil' nil \HUt 11I'''"lI "Ill ht, a,llll'lllu lilt'
halarht' 1111 1\ hl\ II \\1'11Il11ll~..1 ill,lIlfl' I hall't'\ alli", ^"1111,III't'It'flllol~I' ltah'i1lllli\
Null' alulllla\ hi' 111';l\ahh' III illlllli'tllald) tlllllllllrlJl;\lHl~ liil nltlllP \\llh \11111
11I11111111\ 11:1\11""111', nll11;1 aliiit' I'nd nllhl' NIIIl',lI' \\1" itlllltl' ma\ \I't'llll ()1I1
J1~I\III1-tll' 1111 \llIIllwllilll \\111 1111111111' \lllul;\lhlll'lnl'I'lltl'lll ~1l1l11\IIHIII'I' Illllli\
SI'I'IIIII\ _\1"1'1"1111'111
) 1 1"'1'-.1'1 c liON \1ll1"illl'l'llllllll'lnlll'prtllhrf'nltalrlnllllllll~'It'a\lll1ahlt
IlllU'
2,1 ()WN, Sill, III" \'1111 11\\11 Ihl' f 'ull;llrfnlllrr IHlIl drAI III all 1I1'll\ IIl1ll
lrl'lllil)' inltlC\I' \'\1\1 \\illnol '1II,llilll,ltl,lrn\t, I!i\'t,dtli\fllll uthrl"iwlli\I"l'r
oflllt ('ulllllrt :\1, ill \I, hult' III IIlI,,"t, III n"\ rfl\nn whn i~ nul B rAil) In Ihi\ sC'\,tllil\
^,Itrmrnl, YH\llAiU nul PI'HlIilll"\ lit'1I III ueUfl'Y Inlrlt\lln hl' (,hlnilll't!lllllhl'
('"Uatelnllllhr'lhanlull'
22 M^IN1^ININCi 11Irnll 1 ^IHt^1 ^,)'nurl'ml.)'lluwillllll1inlninl!t('
('llllalr'lIl illllnll\l nll1tllllUn nncllrl'1I11 ,"Uti "111 r1t\fl\t il n~nill" I"" 11l111l11la~r
Villi "ill 1'11)' 1l11IA\I:~ nnlllllhrr dllH~r' II" Ihe ('ullalfllll, \'1111 "iIlI1l1111~r 1111'
('t1l1all~lnllllrp.llll)' III fill hilt'
2J nl"l'OSII ^C'cottNIS If lilt' ('Il'laltlnll'llll\i\I' nl n clrJ'ln\il nt'("I1111l11l1
UlliHl'lltr tll dtPIUil, y,c 1I111~" Icdme In nllulA' )'UU '0 dnlr Ihe Armunl nr "1IIullo"
lAY IIlIn! hum il. IIlht .rrullnl III l'eltilirnlc ul dcptl~it mAlun" "hilr Ihr Nnlt
Itmaill\ unpllill, "r" ill nullllllnlit'nllv Ifllr\!,' Ihe drrtlsit fur Iht lIan't tlmt I,ttincl, A\
rln\hlrd in lhe 11t'1'"..il nflrl'llIcl1l, unit'!! )HlllllHl wr 111ft Ihllllhr lirl'mil dlUlI"l
bl' 'tllc\\td un olht'lltlnnlhr Itnf"lll dCpll.U Ih.n ht ('ollnlrl81 sutljcrlln Ihi\
StClllil) Apll'tRltl1l
2"4 INSlIllANlT Whill' 1111\' \111m IHC n".ccl tin Ihi, Nllll', )OU "ill fR"~
in\t1fRI1l't 111\ nil) ('nllillrtnl \\hlt'h i\ lIul in 1111' rnut\\inll nj!nimllilt, IlIdl nllll
1I1ht" rn\lll1ll)', lilt' I'nlky nlll\l t nnlnlllll dt'Jurlihle diU" and he in nn a,MIIIlI RIlII
",llh IIn ill\lllfl Ihallll(' \lIli,lntllll)' Il1l1\ 'I ht l'nllry mml nAlIlt 11\ II' Iht' "Ii",
r"~'rt'," 'I hr rn1iq 1lI1l" rindill' Ihlll nny In" \, 10 he rn)'lIhlr III ~ 1111 IInll III u~ n~ mil
Inltlt'l!! nrpCi\1 It mll\IIII~I\ rllHlth' Ihnt \\r h(' ph,t'11 "nllt''' Ihnll IlIlla~,' rlhll
""rillt'11 nnlkf' Clll1n\ l'hllcrllrllilllllU ,rduc-Ilnn in enVtrnpt, fill IIny ItA\nll "1'1111
1CIII1C'I, )'1111 "1lI11 Ilrli\ 1'1 Ihl'I'11hrif', fnlilicalt\ nr olhfl r\ illl-m't' III Itl'"I11ml' III
II' In IIII' t\l'ltllll :tn\ In" 1IIIlalll;I)'t' lu Illl' C.Il11nlflnl. )'Ctll \\111 illlllll'llillld\ 1111111\
Inln "Iilllll! 1I11111ih' n l'ltlllllltlll" \\ilh Ihr Il1ml"'. We 1T11l) Ilil' II pll1ll1 111111\\ till
YUIll hrhnll it \IlIlIAd or Il'hl\r In till '". Wt IllA~' Ahllliip:n )'11111 name In nil) lhr(~,
dlillt m Ilthn llllln lnllhr 1';1\1111'111 01 ill'llllllH'r rftll'rrlh inlhr l'Hlll "I In" III
111IlT1n~t' Wlhf ('llllalc-IAIIl itl\ rl'IllIumit'al!)' Irn\lhlt, ill IIIlf iUllplllflll, "t' \\111
Rrl1l\ Illl'ln'lllnnf(, pllllTtll~ In Il'r'HI nr trrlnct Ihr {'ulllllflnl IlIht't"i~I',"t' "ill
Ilrpl'f Illl' 1'1111'1'1"11\ tlllftlUII' lilt" \111m \nll ,,\I,t I," Ihl\ Null'
2' NOIINli !lUll Sl ("(IHII \' IN II Ins I, II Rfl'tlilit'lIlf "I 11111' 1\ i\\lll'11l1I1
Iht' I'clllnl('llll, \1111 \\ill n"i~l It, in hn\inJ! lUll .rrlltil~ illltH'" IItlll'lllllllhl'
tt'lllllrult'nllllll'
~n 110\ \ NO I OS'-. III HHill1 S "lht Nltlt nlul IltI~ Snlllll) AI!IC'I'lIll'nl
ma\ !It' lH'l!"II,II('ll, n\'i~nt'II, r..tt'lllll'lllllll'III~"rtl h~'II\ wilhlllllltkll\in, nil) III \'nll
Illlhl" "nlLlh'llll WI' lIla\ "lid H1lflr;l~t' 1111\' I'rl,ull nr IUlllll'll) nhlil!nlfllllllllr. Illl'
Nuh' 1I1l111hl\ "1'111111' ^J!"'I'lIlt'1I1 \\llhllllllll,11I1I tllllltl!hl" inlhl' 1"lIl1ull'llll
Sf (" 110" 4 III I ^'III, ^ IJclnult llllllrllhr NIHt "ill 1'It' II Odllllll UlIJI'f Ihl~
Sl'flllll) ^1l11't'nu'1l1 III alhlilinnlll nlllhr lillhh ,,"<I Itllll'dil'\ ulll ~rcllltlll1ally
"pllll del;mlt "hil'h 11ll'I'III\'itll'd IImll', thr tlllillllllll'lllflllltllUll "lItlt, "pnn IIU1
Ilrd;IIII1' Iht NlllC III ht' IIllf1lrdilllrl) IllIr oml ril~ahlt',
4 I ^1'1'11( 1\ I II IN Ill, 1)1 PI )l.il I s. \\'1' I1lit~ Ilprl) Am" Ilrr.n~ih mdllllnl in Iht
I"nllall'lallll!lllll'llhl' \1I111,lhl' IIl11fmtt'l Ilwnunlhi, Nlllr III tl'('ttllall'fllln,"~I'I'
uln linH' Ih'llll\il III 11'lliliralr III III'IHI\il. \\t' ma)' Itllllillalc lhe Iltpll'II ht'llUt
lIt;llllllt) III tlllh'l Itl I I'a Ii 1(. 1111 tIll' I "Ullillfllll II "t' Il'llninnh' till' Ilqlll\il, Ihr
1I11l1l,lrl III Ikpmil nl ,;tl'I1Hrllhk la\\ lIl11lleqllilt Ihlll "l' Imptl\r ~ul"ll\llIj;11
rrllilhll" 1111 I hr C'Il1 h ~\l1 1111 tH\ nl
4) \llUItI"11l It 01 nil I AIIItAI Wr In a) It'll"lll' )1111111 'II"I"Ildl'IIIlI'
I'nllalt'lalln u~ AIIlIt'Il\llnllhl) nlll\t'nil'nl plan: \\t clt\tfIHllt'
4' III Al '1111 1l11'0I.iSIt;SllJN II \till IIt'II"1 \lllll'nlll'1 Ihl' {'IlI\;Ilnul III II',
\\r mil\ t;l~r r"\\I'~'111111l1 il. "ilh III ~\llhl;llllt'J!ill J'I'lln'~\, illlUTtllllulIl"l' ~\ilh laIA
Y nil nlllhl\lill' "' Illl'f;III'ahl) rlltrl lIpllll nll\ Illl'lHi'I'\ \\ hl,lt, Ihr {"1l11tUrl ,lllllll\' hI'
\Ill ;llnl hit 1111"\'111 pOi'" 1lII;lll"l~ IUI..~n~tnlllllltlll'llltl\illl! il
.", I'I'IN" Sltlltlll(1SSI"'I.iIONI\~IISI0nAtil" Wrmn)'dllllj!l'\nll
nlll It'U~Illl;lhll' r'l'rn~('\ ill I I'rn~\t\"lnl!, trllll\IHlllinp., If(ui,inf!, 'IHI inp: RlIlI \I'lhnlt
lilt, ('Illlilh'lul \11 lOll.! II' lhn all' ulltl\H'11 hr IlIl\
4" ~1'11 or 1'1111 ,\ II It ..\1 \\'1' mal \dl. ll\lip.n IlIlll'1iHllln' ('1111,111'1111111
nm' III llIUH' I'"hlll' III (1'1\ ,III' \lIln \\'t' "ill ~i\t' \Illlll'a\on;thh' nllllrr III Ihl' IIlltl'
nlltll'I;lIr III ,lIll' WI' lll:t\ 111111 h,,~t, I hI' ('III1i1IClnl nllhal ,"lr, 11ft' nllllllfl(ltlltlhlr
III kJ!tllllj!.1I11l1ILlim \1I111H1l\ hilH illlhl' l'nlllllrl nl Wr" illl\f1I,I)' lilt' rllllwll, tll
\uk Illq III 11m nllt'II~I'~ ;11111 Ihl'll III Iltr "",,,Ihl' 11111 I IllAl'l n\\r, Illllhi, ~111t' \\'1'
\\1111'11\ 1I1'~ "III phI' In \t111 Iln 'II III i\ "ill 11"1'1111111\, Iht I1tl1lC1\\rlllml ( n."il!nt'1
IlIllq 1'"\ i1 111m
^'lll/< IfII/'lIll/'m, /I < 'II /1/1 1\.1/'1/.1" /
II~f Si~nnl\IIlII"I\ Nolt hfll'h)' 111~l'hllulIK(, Ihill P.ICIIIIH"lfllllllh' ill\III11l1n'WH'IHI!I' 111111 III VlllH1'1 U'dll lit I Ilknl ,,1,,1 IH;lllh ill\IUallrl'\iI\l'lilj!I' y,ill hI' ilpl'li"ilb'" III
Ilm,Nolf II '" 1I11u~rd 11111111' Irnllt ufllli, Nole 'lIdtaL'h Imll IYllt nl Cil\'flll~(, "Ill he" IllIm h) Ihl' ill~tIIil"'t' t'lllnpal1) IIl1l11t.lI. II", in,Ulalll'(, ,"lljt'flln lll'l'\.rt,llH I' h~
Iht "'\tllrl, t'llIrl\ ullI~ lhc rrl'"l1f'l ,i~nil1p.lhl' tr1lut'l fnl'm'" ill'llIill1rrl hr nll1nllnllllllt;\l~l' I' irulit'lllt'llllll t'1I!"h hi t' 4l111rllilln\IIIIIlHT In hi' r"It'ha\('11 .1 Ill' 11'1111
111111\'11I'111111111' \\ III t IHIIIHI'llIl' 11\ 1,111n' 1IIIIl' I ht' illllehlnlllf\\ '" 111111111'11 Htlllllllt' 110I1t. 1'11111 \\ hll II 1111' lnll"r~1111 I IIhltlll" hall!l'\ lIn lilt', illal'" , and \\ illl"l'llr 1l1l11H'
HIIJ!:IIUlI ~\ hl'ltull'1IIlHtllllll\ 11.11\'1,11111' illllrhlrdnr\\ Suhjrlllll 1llll'l'larllt' lot IIII' 1"~llIrl and II \lhm HliI_t\ ~_lhl'lI' \\1" hi" 111"I11\'11'l1 hllhr ill\IIIt"lllll'hlllll~1 ;IUrllll1i1l1
1I1111~lIllll"t' IlIllll' III\I~ tll"1 Ilhlll~ IIU' 1I1\llIiIUl\' In 1111' r\l'nt ull'lt'I';I~1I11'1I1 tlllhl' IIIdl'hlt'IIItl'~~, ,111'IUlltlllllll\III1111lt' Ih;lll~n "tll hI.' 1II;lIh' \\hl'lr litH'
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MORTGAGE
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, octobet 23 91 ,IllY V. Stnn" /Inti S/lI'1I V. Stnllo
TIIISl\I()RTGA(.f., datrd ........".1... "1......,.. I "1 19".... I II btlv.'ttn )'0\1. ,......,. I..'..........,......"..... , , ..,." .. "" .
" I . . , ., . I , . , , .. . , . . I , . . . . . , . . .. .. I . ... I . . I . I' . .. . . . . .. . . . . , . , . fflldln, II .........,..,...,...,.",...........,..,..,..,..,....,."..,..
"'~~,{~, ":~J,I~~,~, ,~~~I!, ,~~,~~,!, ,~~~,l, ~,~ ~~!, y~:", ,I,?~ ~,~""',.,"',...,. , ,Ih, peraon or peraonlll,nln... "MOIt...or" htlllW, .nd III,
ORRSTOWN nANK
I Ihe IIMolI,_.ee,.
MORTO^Of:ll PRI!MI~f~: Vou mort,'It,,"nl.nd eonl'ty to ullh, p"mll" lout,d II:
.,......... ""... ....,... ,~?,~"I.,~ltl~~. .9~~. .~~~~"',..,.,...,..,...........,.....".....,.,...... " ,,,.......... ,...."....." " l
SlIft'
North H1t1t1leton Cumberlnutl, h"P I '.
t"" ,.., ~WII.l".I""\J~Uo\V.l.\IV' ,,,,,,.,,...,,, 'J""",,""',..,""" ,I ,nnlyl"nl., ,..', \'11""""..'" ..,.. ',.... (I e rom...,.
own.hlp/,^",""~ ':ounty 1110.. 1'00. ,01/'10.
, d d Cumberl nntl
^ 1...1 dmrlptlon of Ih, P..ml", II ,ont.ln..! In Ihe d..d hy ..hl,h you ocqulr,d Ih, P"ml..., whkh II r<<or , .1 th, """".",."."""".,',..
Counly Offic, for Ih, Recordln, nf need.,\n need nook" ,~..?,4..,........ ,on ""'(1) .. ~.\~...........,., . TII pmtl Numhn (or olhn Uniform
p.n:,lId,nIIO.., II any) ...""""..""", or, 0 II ehecked , onlh"mllelld'.l h, 1'''011." Indud,"11 hulldln,"nd olh.. Improvem,nllnoworl.tn
on the I'rrmilulnd any r1ahll Of Inlunll.-hlch derive horn )'our nwntflhlp. lilt or pOlltlllon or (he r'tndltl.
LO^Nln" Mo..,.,e will...ur. our lo.nlo ,,,,.,, ,~IIY, ,Y,." m!!I'.Il, .QW1, .q(l,~{I.. Y." .~~.'IlW,."....,..."""...,.""""..",..,'"
(..helh.. on' or 010" pmonl..lI,d th, 'Oo..o..er"),ln th, prlndp.l.mollnlon, ,4 f\. 9. \ ~, ~J. . . . " plu.lnlm'l.nd corl.,.1I pr..hleh Ih, norrow.. 0111.1
ItP'y "eordl;,lo a nol' or ..",""nl (I he 'Note' d.l.a ,..O.<;~,q\l!lr..n.....,...... ,199.\.... .1111. Mort.... wlll.llo mu.. th, pnform.nc.
of.1I ornorrowu', rromllu In Ihe Nole, all or your rromlltsln Ihl. Morl"'f,lnd any utenal"n., rtnt\ull. amendmenls or olher modlnClllonl or the Nole,
OWNF.RRIIIP, Vou ore Ih, 101, o..n'~I) of the Pltml..., Vou hov' Ih, 1",1 rl,hllo Morl,." ilia III.
T AXM, Vou will p.y.1I reol '1111< II"', u\ellmenll, w.ler ch",,, .nd \ewer "nil "llIln,lo th, "..OIl... wh,n th,y htcom, du,. YOII..III nol dllm .nyeredil
on, or make deduction hom, the lOin becaule YDU "IY theae tun lod charitl, You will (lrovide \II wilh rfoof of payntent uron nqutll.
MAINUNANCE, Vou will m.inllln Ih, bulldlnlll) on th, P..mll" In .ood condillon. Vou will nol m.ke m.Jor ch.n,,, In Ih, bulldlnlll) <I"'pl for norm.1
. Itp.I", Vall will not tm Ih, bulldlnl(l) down ..itholll finll,nln. our conl<nl, Vou will nol Ul< Ih, P"ml... 1II,..lIy or lor hit,.
IN!lIlRANC!r Vou will keeptht bulldlna(I)Oft the p,.ml... Inlured IIlllllm.. llllnllloll by n", nnod .nd .ny olher harordl w, OIlY Ipedfy. Vou m.yeho...
Ih, InlUl.nce ,ompany, bUI YOllr choke fllubJtellb ou, ....on.bl, 'pPIO"!. Th, pollci.. mull ht for .llmllh, .mounll.nd th, Ume period I thll w, lpedly.
Vou..1II dell V" to III upon oUt ..qulst Ihe politi.. 0' olh" prool of Ih, 100utlnce. 111, pollci.. mu'l n.m' UI U lou.p.y.., lhlt m,anl th.t.., will "",Iv<
. . paym,nl on .lIlnlullnce dnlml,lo lilt ulenl of our 101er,,1 under this MOlt"I" before you. It mnll.lto pmvld, Ih.1 we b, alv<n nollell Ih.n 10 d'YI prior
. ., written notice of .n)' [,Inttllatlon or tlMbttlon In tott"'f, for any frlson. Upon rrqutll, you .hlll deli\'er the pollclu. crume.tn ot other evidence of Inaullnee
10 UI. In Ih, evenl of 1011 or d.m'I' 10 Ih, p..ml"', you wllllmm,dl.t,ly nollfy UI in wlltln,.nd m,. proof of Iou with th, In.um. W, may fiI, a prool or 10llnn
yout behalf If yo II r.1I 0' rdule In do 10, We may ,110 .lao your name In Iny check, d,art or olher Older for the pAyment of Insu'lnce proceeds in the event arlolS or
dam.af to Ihe rremhu. 11'''1: tteeln payment of I t1llm, we wlll rumit YOII to use Ihe mnne)' 10 rcpalr Ihcdamlgc, bul only I( we nuon.bly believe Ihe Insurlnce
p,ocudl are Idcq'llle for Ihll rurrolt. Otherwilt, tie will lilt the money 10 reduce \\l1lllhe IItlflo\\'tr owes on the Note.
SECURIT\' INTF.RESTt You wlll]oln with ulld II.nln,.nd filin, docum,nuand,.t YOllr up'"", In dnlnl wh.l,m '" b,lIeve II n"'u..y to p,flecl,"d
tontlnue rtfftcled our Ifcu,ilY lRlfleU In the Premllel.
VOUR AUTHORITV TO II~, If you f.IlIO petform your obli,arion,"od.. Ihil MIlIt,a"," \1I'y, If~, chno.., p..IIlI," )'our nhU"Uonlalld p,y ,",h co,"
and urtOu.. We willldd the Imounll we ad vince In 'he lumllhe nnllowrr O~'rI nit Ihe Note, liD v.hich we hnrn1t Inttltll.' provided In the Nole. H you r,lIlo
honnr your rromlul to malnllln Inuu.nct In dhel, or to pay fillnll ftf.. lalU fit thr elUll nrCfU''')' to her lhe I',rmlsrl in lood condition and feralr."t may,lr
Wt chOolt, IlId\'lnCC anYlum. )'OU promise to ray Ind obllln lerlacrmrnllnlUtllOcr. 1I11\\'r\'tI. fin)' rrplacrmrnllnlunnce \It'r ohlaln locove, Ion or damage to the
rremllu may be limited 10 In amount no' Ilntrr Ihln whlllhe nnrrnv.'tI owu nn lhe Nole. Any Imount we .d\'loce on )'nur bellIU..III he added 10 Ihe h.1enre
orlhe Nolr on which we Impolr FlnaReeChlrlu II Ihe AnnUli Prrcrntflp:e nile n'the Notr, OUI rlymrntl on your hrhnHwill not curt your failure t" rufolm
your promimln Ihl. Morl"I'.
SAtr. 0" fREMISESI Vou will nol lell, trlosfer n",nrnhlr. Moltlfllr or olhrrwile di~p(l\t III the I'rrml\tl, In ",holt' or In Pili, without flUI rllol written
tonsrnl.
INSPECTIONI Vou will J'frmil uslo ilHp<<t the I'rtmbu al allY reuonRhle time.
NO toss OF RIGlltSll11e Nute Rnd Ihls Mort,ale may be ntsollaled or .uigned hy us without rrlfAlins Iny of you or Ihe Prrmlse., We ma)' add or relrllle
Iny rUlnn Of rrOl'ert)' ohU,alrd undrf Ihe Note and Ihll Mort@agewilhout bulltg our li(!.hl! in Iht I'reml'fl,
UtFAtJl.TI Adrfault tinder Ihe Ntlte isaddaull undu Ihll Motl~.le, In addition. yom faUurrtll rrflllrm )'IHH ohll~llllIll~ lnthb MllIlglae III under nn)' nlhu
Mottl.ae on Ihe I'remllu b a dd.ult under thlt Mortllle. If any ddaull occurs, we CRIl fotedusr uron this Morll.ae, -1 hll melnlthal \\-'f ['onananlr rOf the
P..mll"lo he ,old," provld,d hy l,w,ln nrd't 10 plY off whallh, norrower o~" nn Ih, Nol,. If Ih, mon,y w, ""I.. ham Ih, ..I, I. not ,"n",h In pay IIff wh,'
the narrower O\HI, )'011 will nol owe UI the difference unlelS you 1110 Ilaned Ihe Note II 8 IJorrll\l.et, In Ilttdillnn, we mat' ll)enler on and take rlluruinn of Ihe
Prembel; (Ii) lease Rnd collect Ihe rental raymenll,lncludlnl o\'enlut lenlal r.ymenll, direcll)' hnrn lenRnh; (iii) manap:r the l'l~rnllu; end (h') Illn, c81\rellll(I
chanle lealrl, We ma)' apply any rllt of the rental raymentl tn ray tuel, lhe cmll of cnllrctlng lenlll rA)'menh 8nd 01 nutnRging the I'rtmlltl and 10 ,educt In)'
emoulIll owina under the Note nnd under Ihll Mnltllge,ln Iny order Ihal we rhnnle.
W AI\'r.RS~ Uvofdedare addautl undrrthll Mortaa.e, you ",ai\'(' )'11\11 righlllulsioll \II11ler 811 dpllIaiumrnt,llay Il1tl ekempllnn IAws.lhele rlghlllllay(il he fill
YOUI benefit III rrlld;(Ii) Iimlllheamount you owe ultothe rlocerth uflhfllle of the 1'lrmhn;(lHlekempllhe I'rfmlsn, or part orthe "locertllOr III nIt, r,um
allaehment, levy or ule under uecutlon: nt (Iv) rro\'lde for I Ita)' of encullon or olher rrncen.
BINIlINIl HI'ECTllintlllh, norrnwer hll p.ld the Nnle Inlull, th, plnviliolllOflhl. MIIII"I' ~i1I11' hitllllll,"n l"u nnd .Illutu" ownm nnd I,n.nlloflh,
Premllu. 1 his Mort.l.t II ror our hendillnd for Ihe benent of anyone to 'ft'hom'\tre may 1..110 II, lJpon raymenlln full or all thallhe nonn\l,rJ owel \II Ihll
MOIl,lllf aod our liAhu In Ihe I'remlltllhlll end . ~ I
GfNtR AI,IWe can WIIVfl1l delt)'enrorclnllnyorour rlah" u",ltrlhll MOllai.e \l.lthllllllllllllR Ihem An) \Iolllnf hy \nfll IllY rlo\'l5loo nl thl. MIIII,Rlt will
not br I wal\rr nf lhll 01 Iny othrr plovhlnn on Iny other ornlln" ~.... -:-=_ -.:-:. _
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COUNT\'OF,......, .. .<:l,~.\ .. .....,....\,...., ' I"
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IE IT REMEMnREIl,thl1 on thl. ..~m.~...., dlY 01 ....... .........,~.r........, 19,Q./,. holo" m., I NOIItr.,r."~JJq~ Ih.
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..ho I 1m uti,fi.d h'lrtlh. PtflonC'r1m.d IU~d ..ho .mut.d Ih. \\'Uhln Motl.I.., Ind Ihmupon h",h./lh,y Icknowl.d..cj: JIII'/),h.y 'l.nJ~
...I.d Ind ddlvtted Ih. urn. "' I vol II'y, Icll~d~ltd, ro, th. UIeI Ind purpo'tI ..p'....d Ih. Morlal.., tJ :'. I , ,i
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51... ,/ l: IY/MunlC1plllly County zip Cod.
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l. ., I.'J~ 'J' , T." , 'i11 lmr.r.lllnty
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"11 - I" bOOK 1034- rAGE 4-90
'ANC'ON5UUU toUt 1'" 1D9I.f~ Mil
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MORTGAGE
TillS MORTllA(;F.,d.l.d.... .9~,~!,,11~,tJ~ ......,.." 19. .~I.., II h.I....n YOII,., .~{\Y. ,V", .l1t.'llI.ll..... .......,..".. ............
..,.. """""" ,.,....' "..,... ...".,11'."""" ,...".,.. ,ltlldlnl.1 .,...,.....,... 0....'.,....... ..., I.'.....,.........,..., " to,
,?~~, ':(1!\~~, H~J\, M,.., ~!l.~ k~ ~.\\l" ..~I'.'.", UP.\~...,."..,.,..",.."., ,Ih. r",nn n, Jl<nonl.lloln,1I "Morl,.,o," below, .nd UI,
ORRSTOWN BANK
, the "Morta.ate."
MIlRTO^lIf:1I rRrMISf:S: Vou mo,II,,,,,lInl .nd ,on"y 10 1I.lh. r"oli...loClted .1:
""....".,..",.."",. ,l.~f,~, .~~~,I(gl!l. '\I1ml,.".,..,... ..',..,..,.....".....,.",...,"',.,",..,""",.,."..,""",..... ,
:tHet'
West I'ellnshllro r;'lmll~[III\lll I' I I (lh."I',.mll""
t......'. ~~.:..:.J~...u.~~.a.._~..1...'~..'.., ,.....v. ".. ..., ..........., tnnlY vln., "ri"l'!." ,..............\'..l... II ,-
owolhlrl'llQlflJ\WIffiltIl'IIfII'1III'lIIx 'ounly 10," ,.,0. .01,.,0.
, Cumherlnnd
A 1...1 d"',lpllon ollh. r"mll.. II ,on!llned In lhe d..d hy which you "qul"d Ih. I "11111.., which II ,eco,d.d .llh. """""""""""..."".
Counly Om,do, Ih. Reco,dln, olll..dl,ln lI"d nonk ,... ^. AI,l. ..,..".., nn 1"1'(') ..... ;1.311..."...... , Tn 1'",,1 Number(nr nlh.. Unlfn.m
r'fcrlldenllnu, if.ny)...,.............,.. Of, 0 If chrckrd,on Ihe uvellullle 'fhe f'remllulnrludellll bulldln.und olhuhnpro\'fmenlsnnworlnltf
on Ihe Premllt'l Ind Iny Ilahll or Inlflell. Yfhlch derivf (rum your oWRenhl!", UIt 1If rnneuinn of Ihe l'rC'mlles.
LOAN, Th. Mo.II'I' will ,,,U.e ou' lo.n 10 ... ,I.ey.. y.. ..SLone. .ond. ,Snrn..V.. .Stonr.......,...........,..,.....,..,..,......,....,
(whether one or more rtnonlClUtd theUnonowel"lln Iherllnclrlllll10unt ofS. ./!f).~?, ~~. ~ ~,~.... 'I plullnleltlt Indcmls,lll ofwhlchlhc narrower mud
"r'y ICcordln,ln . nole III .,,,,menlllh. "Nol" d.l.d .. .Q~'. ~ ~~ l!~ r. .? ,t .. .. .. . . . ,. , 19 , .~ ).., , 1 hll Mnlla.a. will .\.0 ..,u'e Ih. r..fo,m.nce
of 111 of Darrower" rromluI In Ihe Note, III of your rroml.tlln Ihll Morta1le, and any uttnlinnl,nntv..'IIIt, Intendmentl or other modlnClltlonl of Ihe Nole.
OWNERSlllr, Vou '" Ih. '01. own.rl') of Ih. r"ml.... Vou hIVe Ih.l.a.1 'iahl tn Mn'la.aelllo n'.
T AXL'i1 You will rlY III rul tlllle Illel, uleumenu, .altrchar.tland ,ewer fentl ttlatlng to Ihe Premiltl when thty becomt due. Vou will nol claim any cledlt
on, or mllte dtductlon from, the Inan beCIUIt you rlY Ihue lut'llnd chllltl, YOII will rlovide III wilh rloof of raymenl uron fequest.
MAINTENANCF., Von will m.lnl.ln Ih. bulldlo,(I) on Ih. r"ml...ln ,nnd ,ondllinn. Vno will nnl m.ke m.Jnr ch.na" In Ihe bulldlna(.)e"'rl rill no,m.\
"r"l.., Vou will nollm Ih. buildina(') dnwn ..ithoul Olll,.lIin, our ,on..nl, Vou..iII nol ,,,.Ih. ",eml... lII.a.lIy nr ror hi".
INSlIRAUCF., Vou will k..r Ih. hulldlna(l) on Ih. r,eml...ln.lII.d II IlIlIm...a.lnlllo.. hy Ore, nnnd .nd .ny olh.. hlll,d.... m.y Ip.dfy. Vnu m., ,hom
the Inlullnce company, but you I chnlte h luhJecl to our rUlonlhle Irrroval.lhe rnHrlu mu~1 he fnr at ItlllIhe Imounll and Ihe lime pellodllhal we Iredfy,
You will deliver 10 us uron our reqU$1 the "allde. Of olhtr rloof of the Inlulance.lhe rlllicles musl namt usallon'rayee, Thi, mranl thai we wlllltCflve
rayment on alllnlurance clllml, to th~ ulenl of our inttrelt under thll Mortaaat, hdore )'ou. II mmt allO rlOvldt lhat Wt he linn nollullhan IOdaYI rrinr
wrilten not let of InY cancellallon or ItUuctlon In cover ale, for any reason. \lllon Itqurll,) olllhlll dtll\,tr Ihe rollcifl, <<ttincaltl or olher nidtnce of In.unnce
10 UI, In Ihe evtn' of Inn or damaae to Ihe 1'l1'mlltl, you will hnmrdialtly nnllfy ut In wrillnlt and lilt a rronf 01 Iou wllh Ihe InlUler. We may file" proof of Ion on
your behalf If you fall Of refute to do 10. We may 1110 Il,n your name 10 Iny chtck, dnn or olher nrdu fOI Iht raymenl of Insurance rroceedl in Ihe ennt of 1011 Ilr
dam.,e 10 the Premltel.II'we rtcelve rayment or. claim, Wt will rtlmit you 10 me the montY 10 Itralr the damalt, hul only If we rtunnably believe 'ht lnsurlnce
ruocttdllrt .dequ.te fOllhil rllrrme. Otherwlle, we will ute thr mnnty to ledllrr "hol the nnfto\\tr own on the Nolt.
SF.CIJRITY INTERESTI Vou will jnln with ulln .I,nln,.nd Ollna dO'\lm.nll .nd, II YO\l' "r.n..,ln dnlnl whll.m w. helle" I. n"","y 10 r..recl.nd
continue perfecttd our ItcUllly lnltrett In tht rrtmlltl,
\'OtlR A\JTlIORITY TO Wil H you fall 10 rtrform youlllbli~allnn!l undtr thll M1l118A8t, ""t mBY, If Wt choule, rtlfolm )'nur nblllallonllnd ray IlIch COlli
Ind upenlet. We will add Ihe 10lOunll Wt adYlnee 10 the Ium. Iht l1orrowtr OWfI un lht Nole, on ",hleh we Impote Inlertst al rlovlded In the Nole. If you f.lllo
hooor your rfllmllfllo mllnlaln Inlurlnce In effett, or 10 ray OIln~ retl, 'IUI or Iht [lIllI ntreuary 10 htr the I'remlsnln Innd cnnditlon and .erlh, we mlY, U
we choole, advance Ill)' lum~ you rtomlte to ray and obtain nrlartment InIlUlnCt.llnwt\'tl, any ItplartmenllnlUlanct Wt ohlaln to cover Iou (If damaae 10 lhe
Prtmllfl may ht limited 10 an amnunl nOIKruter than whit the lIotrnwel own on Iht Nnlt, Any Bmnlllll ~.t ad\'lInct on )'our hthalf \1,111 he added In Ihe hBlance
oflhe Note I1n whleh Wt ""rnle FinlnreChlrlult the Annulll'trrenllJt Rile nrlht Note. Our rA)'mtnll on your hthRHwill nol cure yourfallultto rttfl1lm
your rlmniulln thll Morl,l,t
SAtE Of rRF.l\tlSf..ril You will nOltell, hlnlfer ownership, Morlgase or olher\\l~t tli'ro!e nf Ihr l'reml5u,ln whole or In rllt, without nur rllor wliUrn
conltnl.
INSrEClHlN. Vnu willl"IInll u.lllln'r"llh. r"ml....1 .ny "..nn.hl. tlm..
NO tOSS Uf RlcaITS: Tht N(lle and thil Mortllllt mflY he nt,lIlllltd or aniJnrd h)' \II willuHlI rtltt15lrll any of )'0\1 (II the I'rtmlstl. We may add flJ ,tltlue
any renon (If rtorell)' obligllltd umltr the Note Ind thit Mort,lI,e wilhnullnslrlJ IItIl ti,hh in lht f',,=mi,u. I
Ur.FAlII,Tl ^ def.ullllndrf Iht Nnle It a default under this MOIIJlIlle. In addilitlll,)'tlIlf IRilurt In rnfnrm)'nur nhli,lRtlmuln thit MnrtgDge Ilr undn Al1yolhrr
Morl,lle un Ihe I'lemlut I.. drfaullundrr thll Mort,alt.1f ,")' defDul1 ncrtlll, ~e can fllledu!f urlln thll MnrIIBle.'1 his mtDIlI Ihal wt cnn arrange lot lhe
1'"mllOllo ht IOld, II r'll,I,I.d hy 1.1', In o,d.. 10 r'y oflwh.'lh.llorrow.. n.... nn the NlllO. If Ih. mnn,y'" ""I" frnnl Ih..II.I. nnl.nollah tn r'Y nlf ..h11
Iht norrower n~'el, you will nol owe lIS the diffttence unit.. you allO IIllned the Nott a~ D I1nrlllwtl. In f1lldllinn, we flIa)' (I) tnltf nn and Ilh ruueulnn of the
I'rtmlst.; (Ii) lease and l'olled the rtntel r1ymentl,Includlna o\leldue rental rlymtnl~, dlrtctly Irnl1lltnRI1II; (Iii) managt the l'lemllelj Ind (Iv) Illn, callcela"d
'h.na.I...... W. m.y IPpl1 .ny rill of Ih. "nt.1 r.ym.nllln r"Y t....,lh. ",," of ,oll"lIna 'enlll r.YII1.nlllnd or m.nlalns Ih. r"ml... Ind In "dll" .IIY
amountl owlnlllndu the Note and undu thll Mort.Ig!, In any nrctr.r thlt we chonu
WAIVERS. If w. d.d", .d.f.lllt und.. thl. MoH,IBt, you w.lve Y""' ,Iahlllrlllns 11.,,1.. III,prrnl..n..nl,"IY .nd "'lI1plllln 1.1". 11,... ,Ighl. m.y (I) h. fo,
you I htnenl or rrlid; (Ii) limit Ihe .mllunt you owe Ullo Iht rrorttdl of the ule oflht I'lemhelj (ill) uemrllhe f'remlltl,lIt rAlt of Ihe procetds of It. ..It, hmn
IlIachmenl, levy or ..Ir undu uecutllln; of (Iv) ~rn\lldt fot .lIay of uecullnn or lither rllll"eu.
RINIHN(; f:f'TF.fTl tlntlllhe nnlrO\\t1 1111 raId tht NOlt Infull,lhe f,,(whlons IIllhll MUllgA,r \1,11I ht hllHlinlton yuu and fllllutule o",'ntll nnd lenallllnftht
l'ltm\lrl. 1 hb MortPIMt II for nur heoeOt and for the htntnl 01 .nyol1t In \\-horn \lie moy anlltn II., Ilron ratlnrnlll1 full 01.11 thflllhe IIfl1tower owu Ill, Ihll
Mortal,t and our rl,hu in Ihe 1'lel1llu. IItlll rnd, .
(a:NF.RAI.l Wt can wah'e I"iI t1tll)'enfolcln.lnyuf our liaMltlluftl thll MlIIl,alt' \l.ithuullllllnRlhern AllY Yruh,tt hy mill any rro\'ilinn ollhls Mml"a8t \\-'ill
nol h.. wlim of Ih.1 or "'y olh.. p.o,lllon on .ny nlh.. n,minn \ I )~,.,."..L// .~-'"
MI;;II"I~;"""" "...""."....,,, ..,.......... ".",.,.. ISF-AI,) kl;,;,',.,u't' :'!';~:,'::.:"""""""""""""" (SF-AI,)
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COUNTYOI'.:..,('t,9,.,l).'(,U.a.....:......i,: u,
It IT RtMtMItRtIJ, Ihal on Ihll '.. ..~.3..,.. dcy 01 .. ....Oc.JJ>,.hf.r...., , 19, q,/. hdo,. m', a Nolary robll, 01 lh.
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whn lam Ic\lln,d i1/m Ih. I'<"on(l) Icm.d. In and "hD .mut,d Ih. wh~ln MD"la." cnd ,hrl,urnn h'/Ih./th,y .<knn...,'dfr~"(~)~1l1It;y ;.ii~~"
...I,d cnd d.llvmd Ih.llm. II C VDlu 'cry ..land dud, 10' Ih. UlfC .nd rU'rDIrI Ur'7)J"'d n ,h, MOI\II{b..' ~ f f1~ I' ." ''11;:
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Counly of Cumberland
Recorded In tha otllcn for the
otc. In and for C\l'.':1be,Iol1d C
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wl1nIJS9 my h~nd ~",t f'!,"1 of
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ORRSTOWN BANK
,.
IMPORTANT NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 19B3
DATE: May lB, 1994
eJ))~~
,
RE: Accounl #13.19002
Ii
TO: Jay Stone
1526 Newville Rd.
Carlisle, PA 17013
,
,
I
From: Orrslown Bank '
PO Box 250 :
Shlppensburg, PA 17257
.
Your mortgage Is In serious default because you have failed 10 pay prompllY
Installmenls of principal and Interesl, as required, for a period of at leasl sixty
(60) days, The total amounllhat you now owe Is $3,960,00, That sum Is bro.
ken down as follows: Principal: $3,341,96lnlere81:$613,04
and Lale Charges:$5.00.
Your mortgage Is also In default for the following reasons:
You may be eligible for financial asslslance Ihal will prevent foreclosure on
your mortgage If you comply with Ihe provisions ollhe Homeowners'
Emergency Mortgage Assistance Act of 19B3 (the "Ac!"), You may be eligible
for emergency lemporary assistance II your default has been caused by circum.
stances beyond your control, and II you meetlhe ellglblllly requlremenls of Ihe
Acl as determined by the Pennsylvania Housing Finance Agency, Plea8e read
alLaUbJs nollce. 1\ contains an explanallon of your rlghls.
Under Ihe Acl, you are enlllled 10 a lemporary stay of foreclosure on your
mortgage for thirty (30) days form the date of this notice, During that lime you
have the rlghllo arrange a "face.to.face" meeting with a representative of Ihls
lender, or with a consumer credit counseling agency, The purpose of thai meet.
Ing Is to attempt to work out a repaymenl plan, or to olherwlse sellle your delln.
quency, Ib.lll...DulmlngJUIlI occur In Ihe nexllhlrly (30) days.
If you allend a face.lo.face meeting with Ihls lender or a consumer credit
counseling agency Idenllfled in this nollce, no further proceeding In mortgage
foreclosure may lake place for Ihlrty (30) days alter Ihe dale of that meellng,
P.O. BOX 250
.
SIlIPpENsouno, PA 17257
.
TEl, (717) 532.6114
l:xliil'l t "I'"
Page 2
Notice 01 Homeowners' Emergency
Mortgage Asslstanco Act 01 19B3
The name, address and telephone number 01 our representative Is:
Anita L. Kepner
Orrstown Bank
PO Box 250
Shlppensburg, PA 17257
Telephone 11717-530-2631
The name (s) and address (es) of (a) designated consumer credll counsel-
Ing agency (Ies) Is (are) listed In Appendix A. Ills only necessary to schedule
one lace-to-Iace meeting. You should advise this lender Immediately 01 your
Intentions,
II you have tried and are unable to resolve this problem at or aller your lace-
to-lace meellng, you may apply lor financial assistance from Homeowners'
Emergency Assistance Fund. In order to do this, you must fill out, sign and file
a completed Homeowners' Emergency Assistance Application wllh the
Pennsylvania Housing Finance Agency. The consumer credit counseling
agency will assist you In filling out your application. It must be flied or post-
marked. within thirty (30) days of y.QUl face-to-face meeting.
You may either mall your application to the Pennsylvania Housing Finance
Agency, or you may file II at the offices of one of the designated consumer cred-
It counseling agencies listed In the appendix.
The Pennsylvania Housing Finance Agency Is located at: 2101 North Front
St., PO Box B029, Harrisburg, PA 17105. Telephone II 717-7BO-3Boo or BOO-
342-2397 (Toll Free Number),
An application for assistance may be obtained from a consumer credit coun-
seling agency, or directly from the Pennsylvania Housing Finance Agency,
Ills extremely Important that you file yoUUWRlicallon promptly, II you do not
do so, or If you do not follow the other IImeJ2eIlodll setlorth In this letler, fore-
glosure may proceed against your home Immediately.
Available funds for emergency mortgage assistance are very limited, They
will be disbursed by the agency under the eligibility criteria established by the
Act.
II 1,'_ )11
Page 3
Nollce of Homeowners' Emergency
Mortgage Assistance Act of 1983
Ills extremely Importantlhat your appllcallon Is accurate and complete In
every respect. The counseling agency will help you to fill oulthe appllcallon,
The Pennsylvania Housing Finance Agency has sixty (60) days to make a deci-
sion afler It receives your appllcallon, During Ihal additional lime, no foreolo-
sure will proceed against you If you have mellhe lime requlremenls set forth
above, You will be nolllled directly by the Agenoy of lis deolslon on your appll.
cation,
Slnoerely,
ORRSTOWN BANK
Anita L. Kepner
Collector
" 1"-2"
APPENDIX A
YMCA OF CARLISLE
301 G, Street
Carlisle, PA 17013
717-243-3818
Fax 11717-243-3948
Pam L1nel Rosemary Huff
Cumberland, Franklin, and Perry Counties
URBAN LEAGUE OF METROPOLITAN HARRISBURG
25 N. Front Street
Harrisburg, PA 17101
717 -234-5925
Fax 11717-232-4925
Kelly Stone
Cumberland, Dauphin, and Perry Counties
FINANCIAL COUNSELING SERVICE OF WAYNESBORO
31 W, 3rd Street
Waynesboro, PA 17268
717.762-3285
Natalie Newcomer
Adams, Cumberland, Franklin, Fullon, and Perry Counties
CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PA INC.
2000 L1nglestown Rd,
Harrisburg, PA 17102
717-541-1757
Adams, Cumberland, Dauphin, Perry and York Counties
AMERICAN RED CROSS-HANOVER CHAPTER
529 Carlisle Street
Hanover, PA 17331
717-637-3768
Fax 11717-637-3294
Stephanie Calp
Adams, Franklin, and York Counties
II (-'_]11
oRRSro~i\rBANK
IMPORTANT NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
DATE: May 18, 1994
RE: Account #13-19002
TO: Sara Stone
350 Longs Gap Rd,
Carlisle, PA 17013
From: Orrstown Bank
PO Box 250
Shlppensburg, PA 17257
Your mortgage Is In serious default because you have failed to pay promptly
Installments of principal and Interesl, ao required, for a period of at least sixty
(60) days, The total amount thai you now owe Is $ 3.960,00. That sum Is bro-
ken down as follows: Prlnclpal:$3,341,96Interest:$613.04
and Late Charges: $5.00.
Your mortgage Is also In default for Ihe following reasons:
You may be eligible for financial assistance that will prevent foreclosure on
your mortgage If you comply with Ihe provisions of the Homeowners'
Emergency Mortgage Assistance Act of 1983 (the "Act"), You may be eligible
for emergency temporary assistance If your default has been caused by circum.
stances beyond your conlrol, and If you meet the eligibility requirements of the
Acl as determined by the Pennsylvania Housing Finance Agency, Please realt
all of this notice, It contains an explanation of your rlghto,
Under the Acl, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days form the date of this notice, During that time you
have the right to arrange a "face-to-face" meeting with a represenlatlve of Ihls
lender, or with a consumer credit counseling agency. The purpose of that meet-
Ing Is to attempt to work out a repayment plan, or to otherwise settle your delin-
quency, Ihat meeting must occur In the next thirty lalU..d.ay.s.,
If you attend a face-to-face meeting with Ihls lender or a consumer credit
counseling agency Identified In this notice, no further proceeding In mortgage
foreclosure may lake place for Ihlrty (30) days aller the date of that meeting,
r o. !lOX 2f;0
.
rillll'l'nISIllHlO. I'^ II?','
l:xl1 i hi t "(;"
If I (71 7) 53? 011.'
.'
Page 2
Nollce of Homeowners' Emergency
Mortgage Assistance Act of 1983
The name, address and telephone number 01 our representallve Is:
Anita L. Kepner
Orrstown Balik
PO Box 250
Shlppensburg, PA 17257
Telephone 11717.530.2631
The name (s) and address (es) of (a) designated consumer credit counsel.
Ing agency (Ies) is (are) listed In AppendiX A. It Is only necessary 10 schedule
one face.to.lace meeting, You should advise this lender immediately of your
Intentions,
If you have tried and are unable to resolve this problem al or after your face.
to.face meeting, you may apply lor financial assistance Irom Homeowners'
Emergency Assistance Fund. In order to do Ihls, you must fill out, sign and file
a completed Homeowners' Emergency Assistance Application with the
Pennsylvania Housing Finance Agency, The consumer credit counseling
agency will asslsl you In filling out your application, llJnust be flied or post.
marked, within thirty (30) days of your face.lo.lace meeting,
You may either mall your application to the Pennsylvania Housing Finance
Agency, or you may file It althe offices 01 one olthe deslgnaled consumer credo
It counseling agencies listed In the appendix,
The Pennsylvania Housing Finance Agency Is localed al: 2101 North Front
St., PO Box 8029, Harrisburg, PA 17105. Telephone 11717.780.3800 or 800-
342.2397 (Toll Free Number),
An application lor assistance may be oblalned from a consumer credit coun.
sellng agency, or directly Irom the Pennsylvania Housing Finance Agency,
Ills exlremely Importantlhal you lIIe yQUUlgp]jcatlon promptly, II you do nol
da...ao. or If you do nOllollow the OlherJ1mlUlllrlmlu.ellor1hJnJbJ.iJe1ler.ll:lrii:
closure may proceed agalnsl your home lmJne.djalely.
Available funds lor emergency mortgage assistance are very limited, They
will be disbursed by the agency under Ihe eligibility criteria established by the
Act.
lie-I"
Page 3
Nollce 01 Homeownerl' Emergenoy
Mortgage Asslslance Aol 011983
Ills exlremely Importanllhal your applloallon II aoour.11 .nd complelt In
every respect. The counlellng agenoy will help you 10 111I oullhe applloallon.
The Pennsylvania Housing Finance Agency hal IIMlY (60) daYllo make a decl.
slon aileI'll receives your epplloallon. During Ihat oddlllonal lime, no loreolo.
sure will proceed agalnsl you II you have mel the IIrne requlremenll lellorlh
above, You will be nolllled dlreclly by Ihe Agency 01111 decision on your appll.
callon,
i,
Slnoerely,
ORRBTOWN BANK
Anile L, Kepner
Colleolor
",
Ill:" i"
APPENDIX A
YMCA OF CARLISLE
301 G. Street
Carlisle, PA 17013
717.243.3818
Fax 11717.243.3948
Pam L1nel Rosemary Huff
Cumberland, Franklin, and Perry Counties
URBAN LEAGUE OF METROPOLITAN HARRISBURG
25 N, Front Street
Harrisburg. PA 17101
717-234-5925
Fax 11717.232.4925
Kelly Slone
Cumberland, Dauphin, and Perry Counties
FINANCIAL COUNSELING SERVICE OF WAYNESBORO
31 W. 3rd Street
Waynesboro, PA 17268
717-762-3285
Natalie Newcomer
Adams, Cumberland, Franklin, Fulton, and Perry Counties
CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PA INC,
2000 L1nglestown Rd,
Harrisburg, PA 17102
717-541-1757
Adams, Cumberland, Dauphin. Perry and York Counties
AMERICAN RED CROSS-HANOVER CHAPTER
629 Carlisle Street
Hanover, PA 17331
717.637.3768
Fax 11717-637-3294
Stephanie Calp
Adams, Franklin, and York Counties
"0-3"
.
. ,
, ,1t"".:JW'
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f{RSTC)WN-,3AN
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TO: J ny
U^TI\ OF NOTl!'EI MlIll'h )~, I''''''
The ~lo'nCl^"I', helll h}' O!l"IIlWII flllllk (l",rclllnflcl cnlletl we. U~
nr nul'S) nil Yllur 11I1I1""ly 111I'/l11!!1 nl ,BO 1.II111lS (Jill' l{tI, Cnrllllle
'S IN SEll'Ollll 'IFI'^'",'I' hllllnl'"C Y\lU ,.hnvII ...IIl1lmlltlc ...I.hl!. ..Jl\!Hllhly
rLoY,"e/l~1I nf $lJft". 'I~ III/ Ihll mlllllhll IIr Fehr\lnl'Y nllll Mnrch,
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Wnnlll IlI'1 I'nllllhl lip III ,1'11111 p",I'IIII'lIln nil III' Ihe tlllle III' Ihlll leI IeI'
I II $','117. ~().
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lhln 10UIlJ' lIy "lIyllI/\ III Un lhll ""IIVCl nnmYIlLl!l.uJ!..I!HY1!Il!U.Umlll!
poymcllln /llItI 1/1111 l:hnl'lltlll which mny r,11 LJJ\lc.dV.LlIIJLJhl,fLIllH'Jml.
Such pn)'lIIcIII IIII1MI hI' 11I11.1" l'llhtl' hy cnsh, cnshlel's check,
cerlUII!!1 l'Illlck III' 1II111Il'Y IInh'r 1II1111e nl Ihe LIII!!1I11 ^vell\le IIfflce III
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II YIIII 1111 1111' 1'1111' Ihl' "1'1111111 wllhlll TlllltTY IMYS, lHLlnJ..c11l1
III o.oldllll 11111 Ilnhl III nllCOlllJIIIC Ihe.Jl\IIfJ/\III\\!..llnYI1IOlllfl. Thill
lIIellllA Ihnl Ilhfllt'vl'l III lIIY11I1l Oil till' nllAlllfll fllIIlIUllt hllrrnwl'll will
he COIIAII"'11'11 ,1111' 11II1II1.tllflll'I,v nll<l YIIU IIIf1Y IIIRe Ihe chllllce tn pny
IIrr IIIl' 111'111111111 1II111111f11l1' III 1II11111hly IIIAtnlllllelllll, If rUII
pnynll'lIt IIr thl' 111111111111 III' dl!lnlllt III IIl1l mlllle wlthlll TIIJIlTY Il^YS.
l!Q..nlllu.llllulIll Iu IlIfltnll:l 11111 IIU.lIIJlIIYs.t!Ll!tnrl.1\ Jl\wl!l!.lt .lu
fl)rll~III"Q YIIIII 1II1I1II1I1,,,,tJ "tuf'''IIY... J r lhp_mllrJnn/\g JR. rIlIPCIQ"o!I,
Yllur murlllRI\Ul1 PlulluJ\y will ho 1111111 bYlhQflhcrHJ ,tll PnY..QrLlhll
mlltl'lnl\Q dllhl. I' WI' 11"1'1' ,VIIIII cnRe tll nilI' IIllnrlle)'s, hut .I'nll
Cllrl' lhe IIOrlllll1 hl'fllll' Ihl'Y ht,,,11I lelln' procl'edlnllR nllll t 11111 .v 011 ,
ylIlI will hllve III 1"IY 1111' lI'nlHlllnh'e I1llnrlley'n feeR, nClllnll,v
IIICII,rt'll, lip III ~"II,OIl, III1WI'VI'I'. If lelllll pIncl'etllllll/l fire Atlllll'd
IIllnlnAI ylIlI, )'011 wII' hnvl' III flny Ihe l'enAnllllhle feeR even If thl'.\'
IIrc IIVI'I ~~II,III1, ^",V 1111111'111',\"/1 ICI'R will he Illldl'lI tn whnlevt'r
,Villi IIWI' 111<, whl"', 11111,1' IIIMII Inclu<le 0111' I'l'nAOllllhle COAlA, Jr.YllU
cUIe Ihl' lI"r"o" wlthlll lho TIIIIlTYJ>/W .IJ\!rJ!ld..yuuJI'IU 1I111 110
roqulrod III P/lY /l111I,"oy'n 10011.
WI' 11I11)' /lIAII AliI' PI'IIlIIII/l",\, Inr Ihe IIl1pnlll prlllclpnl hnlnlll'e
/llId 1111 1I1hl'l RUIII'I Iltll. II II lit! I the morllln!!I', '
" .1'011 hIlVI' 11111 Cllrl'd Ihe 1I0r/llllt wlthlll Ihe Ihlll)' 1111.1'
1'1'110<1 1111,1 1Ill' fill "I'IIIAIII I' JlIl1l'l'elllllllR hnv!' he/!UII, YIIU 1111" hnvo
lho Ill\hl lu .CUICI t/tu ,Julnull nllll prllvo"l lhll IInlo,/ll /IllY Ilmo.1l11
III ""ohuu! "IlII1I0 lho /lhIJlln'lIl1nlo. YIIU m/lY IIUflU by,llnY/rll\
Ihl' 1111'11 lImllllllf Ill' lho ulIPlIld lIlulIlhly pnymelllR '11\111 lIIIY. 1"IQ,lIt
1I1hol Chlll'loR. IhulI IJUII, 1If1 woJ I. nil. I III! tOllfllH\nbJo IIltllrnllY ,fl. I'Il,UR
I':xh i hi I "II"
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IB'!! ._PUll.!..!! .....c.ynIlQ_cJ\lJ! __"H.It _.lIt!!. -.l.YuchHUI.LQ _DIll!! _.ntHI _ItQIl.QUl _OilY
!1J.hH _f.!LlflclJ.ImtlPllln _\lflclQL_lh!LJ!I!.!.rJAAlIlh It In eR tlllln tell tho t the
eRrllent dnte lhnt 8uch II Ilherrtrf'R snle could be held would he
npproxlmntely AIII'II B. 1994. A lIotlce of the dnte of the
nherlrr'n nnlll will he Relit to you hefol'e the Rnle. of cournc.
the AIIIOUllt IIcelled to cllrc the Ilefnu It will IIIClenRe the IOllger ~'1II1
wnll. Vou mny 1'11111 Ollt At /IllY tllllt' cXAl'tl)' whAt the requIred
P"Ylllcllt will he Ity cnlllll!! the folll1wlll!! IIUll1hel'8 (717)~.1n-,2(;r,4 011
17171H2-6114, r.XT 664.' ThlA pnYl1lell1 IIIl1nt he III cnAh, cnshlt'I"
check, certlfll~11 cht'ck 01' lIIolley order nllll IIInde pnynhle to UR nt
the nll(ll'enA ntntl'll belnwl
OrrRtnwlI 1I0llk
PO lIox 250
Shll'pellSbul'g, PA 17257
Vou shou111 I'eollze thnt 0 sherrlrr'B Rnle will
oWllernhlp of lhe 1II0rtl!nl!ed property And youI' dl!ht to
It. If you cOlltlllue tll ,live III the IHllpel'ly After the
BRie, A lAwsuit l'ollld he RtArtcd to evict you.
elld you I'
I' cilia III III
Bher I rr' A
You hove nllllltlonnl rights to help IHotect your IlItereAt III
the properly, YOU IIAVr. TilE RIOIIT TO SELL TilE PROPERTY TO OllnlN
MONEY TO PAV Off TilE MOIlTOAOE DF.nT, all nORIlOW 1'1l0M ANOTIIF.1l l.F.NDINO
INSTUTION TO PAY Ill'!' VOllll UI~IIT, YOU MAY IIAVE TilE RJOIIT TO SELL all
TIlANSI'BIl TilE J1nopF.ll1'V Rlm,"~CT TO TilE MllnTlJAOE TO A I1UYF.R 011
T1IANSl'IlRF.F. WIIO WILl. MSlIMI~ TilE MOIlTOM1E I1EIIT PllOV I DEU TIIAT ALL TlIIl
OllTRTANl11 NO "AYMF.NTS, CIIAIlOER, AND ATTORN BY 'R fBES AND COSTS AIlE
"AII1 PllIOR TO Oil AT 1'111\ SAl.E, AND TIIAT TIIB 01'11I\11 IlEQUIRF.MBNTS
lINI1ER TIIB MOllTOAllE AIlB SATISI'IIm. l'oNTACT US TO UETBIlMINE lINUI\R
WIIAT l'IIICUMSTANI'I\s TillS IlIOIIT MIOIIT EXIST. YOll IIAVE TilE 1l10llT 'I'll
IIAVll '1'111 S DEfAULT CURlm IlY ANY TlIlllIJ PAIlTY ACT I NO ON YOlJll IIlmAI.F.
lLYou-'!!!..t!L..l11L!llU1!\lJ..1L.lILILl!!O I' l g n&!L.1!.HL.!! lLOB! l~.tl!lLl!Ll lip.
!I.RI1\!L/!QJIill.2ILIl.!I__J.LDlLIIIlJJHtILJJR!L.Jl.l;lJ.l!t!l.\L. IInwevcr, you RrC not
entllled to thlA I'IRht to cure your defRult more thnn three tlllleA
In nllY cRlelldsr yeRr.
Slncercly,
ORIIRTOWN BANK 01'
I) RlIll'l'llNS/Il~(}
CL1t ~ (u J=ft fJ I) I J
Anltn l..koPllcr
(~llll e c lor
1.799-994-859
"11-1"
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Z 7"l"l "l"l4 liS'!
~ Receipt for .
R Certified MeA
Ani No InlU'lnel COV..lgI Provldld
.... Do nol UIt 10' Inl..nlllonll Mill
ISIt Rlv"ltl
5,nlla
\
Ja Slonc
"'"""""26 Ncwv it 1 c Rd.
PoII'II'
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Speclll o.1MrY ft.
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R"t'lcted OIlio1lly ft'
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'1'01 Snl'n SlolIl'
ll^TE 01' NOTIl'I\1 MlIl'ch 2~. \"<'4
The MOHTOMIE helll hy OI'l'AIOWII Jlnllk (hl'l'l'llIlIflel' cnlled we, UA
01' ours) 011 YOUI' properly locnled nl 1~2ri Newville HI!. CnrllAle
IS IN SI',RIOIJS IJI\FMILT l1.9Jll\.1J!!!) ..1.9\1 .,1I11ve ,Jlltt _!lIoII!! ..J.I"'_1119.1111IIY
P.AYffi!l/'-lJLIlC,$2.0(l)JLlm,..JJHL/l\QII UIlL.QLFeh run ry 01111 Mn rch,
The lolnl nmoulII 1I0W requlrell to cure IhlA llernult. 01' III olh!!1'
wordA /!el cnughl Ill' III your pnymonls ns or Ihe 1IIIIe or IhlA leI IeI'
Is $1.977.50.
Y..llY_mJ!.L_l;.u..l'e ._lhJJI,_\I-9.lll.ltU ..w.iU,lll.J'.I1 JJt'I')'..JM Y fl..JJ LJ he..I!nll,l..Q r
.lh.1I!.J.!lH..l!L.!1y.pnYJnA_!J)_U"...lhc_~!1.ovILJ!I1!J!UIlL P14!! !lilY "ddl tlml/! I
Pl1ymcnl f\ ..I111d.1 ,I Ie ehllfAl,l8.. which m"y filii dU.lldyrlllA J h II! . PIHhl!1.
Such pnyml'1I1 munl he mndc ellher hy cnAh. cnAhlel"A chl'ck.
cerllfled check or mOlley order mnde nl Ihe LurRnn ^vellUI' office III
ShlppenRhurg, Ph.
If you do nol cure Ihe defnull wllhin TII"rrv Il^VS, w.!Llnl!l.J\!1
.t!L_c!l!lf.c;1.I!.!LQ.!!J: ...rJAbl_I.9_P!a;ll.t!l.!:l!lc,..lhc..mor lMllc.. "RymeIlIA., Th I R
menoA Ihnl whnlever II'l owill/! 011 Ihe orlglnnl nmoulIl horl'owed will
he cOllsldered IIUll Inulledlnlely nnd you mny 10Ae Ihe vhnllce 10 pny
off Ihe ol'lglllnl' mOl'lAnlle III mOllthly IIIAlnllmelltA, If rull
pnymelll of lhe nnlnunl of Ill'fnull iA 1101 mnlle wllhlll TIIIIlTV Il^VR.
!UL.!U.II.Q ...In!JH1!LJ!'! _LnIlLt!I..~1...Q.!!LltU9.!:JI!JYs ...In . RIRfJ . Il.J /IYt's41J . III
J.9.rJI~ I !H1.1l.....Y!l.I!I_munAIIK~.ICt'P'I!!l r\.YL__IL..lh!l. J11l!rJl\!!lHL' IL f!lrllJ: lIlRC!I,
Y.9YLJIlPX1P.!lRll.!LI!J!ll1..e.r1.Y..!' ULJUL I!QJJLlJy.1 he...fllI!!J J.LLt!LI'IlY_.I!JJ...1 he
1t19..rJRRRIl_4.eJ!J.... I f \\'~ r~fer your cnRe 10 our nllurneYll, hul you
cure Ihe lIefnull before Ih.,y I)eglll legnl proceedlngR ngnillsl you.
you will hove 10 pny Ihe rJnsonnhle nllorney'A feeA, nclunll~'
Incurrell, up III $~O,OO. 1I11wever, I I' legnl procee<llllgA nre Alnrle<l
ngnlnlll you, you will hnve In pny Ihe l'enAonnhle feell even If Ihey
nre over $50,On, ^ny ntlurlleY'R feen will he n<l<lOlI In whntever
you nwe Ull, whlt'h mny nlAn Inclu<le our renRonnhle CORIA, .Jl....Y.!!U
CU.fJJ. _HIIl--.llul!!!H _l'1IJJUlt_Ul!l_'I'l!l1ITY ..JMYul!!l.rJ ll<l I ..I.Il!!.IV I II ..JwJ. JUI
gy !!.!UJl...J..9_11.!ll....n I !'!'-tnl,l.Y~Jt . JC.!Jll....
We IIlny /lIRO :lUll Ilel'llllllnlly for the Ullp/llIl prlllclpnl hnlnllcl'
IInd 1111 01 her IlUI11Il tlue under the morlgngl!.
If you hnve lIul cured the defnult wllhln the thirty d/1Y
perlml nll<l thc fllrecluAurC prnceedlnRB hllve be/lun, you IltULlmv.c
Jllc....rJllh! ..Jo..J':J1..f.e.JluU1D..LQ!!H ...nmLlIJ!!y!wL J II!! .R!lIIL.JI L RIIY ....tlm!L!'"
lQ ...1l0LJllHtL!!!l.LllttL_l1l!l..1IherJ LL',!I.J!1I1!l.... .JOl!. milL 11\1.1111. hY.I!!IyJnR
.Ihe ,llIlnl IImount IIf.IIILUIIIIIlIII mlllllhly pnYP1clI.ln Jllufl nllyl/ltcllr
III her. Ch!lfKQt,l,..1 hUII.IIU!l...Il/l.J'1l1 L.!lII..!II!} .r!lIII!IIJIIIIII c.'I.llotney'.II.JCC./1
Exli i" it" I"
1'.0. IJOX 250
m III'I'FN:IIlUnO, I'^ 17?r./
11'1 (/1/) f>J?1l 1\,1
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DIIII _~.!I.!L~ ...CO(!II(Jt;J!!J! ..wJJh ....UI!!._L!!r~CLl!lljlrQ .. ./ill tQ ...lIfllI .1I.~.Lr',I[m ..-,I"Y.
JlUl\lJ:_.t~Lq"J.U!/llDJLl.lLJIJlIlj!.t.-1.h~LmpJ:.l.III!R.!lt It IA "Allmlllo<l Ihnl 1111'
en.rllelll dnle lhnl lIuch n Ilhenlrr'lI Ilnle "nulll he holll would ho
,~pproxlmnlcly Api'll 2S, 1994. A unlleo nr lhe <lnlc nr lhl'
. 'llherlrr'lI Ilnle will he lIelll to you hd"ore lhe lillie, or ellllrRl'.
. the nmoullt 1I0el\el\ 10 cllre lhe llerllull will IlIcrellRC lho InllllCl" ynll
wnlt, YOII nlny rlI1I1 nul nl nllY lime I' x 1l1'1 1,\' \Vhnl till' rellllln'<I
pnymefll will hl' ,,~' CIIIIIIII( the Inllowllll/. IIUIII"I'IR (7171~.10-.}.lilt4 IlIt
(717)5.12-1i1l4, I.:XT (,64. Thin pllymefll mUlll Ill! III ellllh. cnRhlcl'
check, cerllrlell check or mOllcy ordl'r nllll mllll!! pnYllhle 10 UA nl
lhe IlIhlreRR RllIll!<I helowl
-
Orrlllowfl Ilnllk
1'0 1111 X 250
RhlPllcIIsbur8, I'A 17257
Ynu IIhuulll ronll7.e lhnl n Rhe....lfr'n Rnle will
oWllerllhlp or lhe Inurlgllged l'rol1erly nlll\ your rlghl 10
It. tr yuu cOllllnue 10 Ilvo In lhe properly nner lhe
IInle, n Inwllull coulll he IIlnrled 10 evlcl yuu.
elld yuu I'
rellln III III
sherlrr'lI
You hnve nlhlllldllnl rlshlll 10 help prulecl your InlerclIl III
lhe properly. yoU "AVIl TilE 111011'1' TO SELL TilE 1'1l0l'EIlTY TO OnTAIN
MONEY TO I'AY 01'1' TilE MOIlTlJAlJE Dml'r, OR 1l01l1l0W FIlOM ANoTlllm LENDINO
INSTllTION TO PAY 01'1' YOUII.IlEIIT. YOll MAY IIAVE TilE IUOIIT TO SELL OR
TIlANRI'EIl TilE I'ltllJlliltTY 1l11IlJECT TO TilE MOIlTlIAllE TO A IIllVEII Oil
TIlANSFERlm WIIO IV I LJ. ASSlJME TilE MOIlTI1AOli DEIIT 1'1l0V I I JIm TIIAT ALL '1'111\
OlJTSTANU I NO PAYMENTS. CIIAIlOES, AND ATTOIlNEY' S FEES AND COSTS All E
PAID PIlIOIl 1'0 on AT TIIH RALli, ANI) TIIAT Tim anum REQlJlImMENTIl
lJNIJI\R TilE MOIl'l'<1AOIi Aim RAT ISI' I Ell. CONTACT liS 1'0 IlHTf.llMI NE lJNIlEll
WIIAT 1~IIlCUMIl1'ANeI\S '1'1115 111011'1' MI<1I1T EXIRT, YOIJ IIAVE TlIIl RllllIT Tn
IIAVE 1'111 S Illil'AIJ1l (~lJIlEIl IIY ANY TlIllllJ PAllTY ACT I NO ON YOIJIl lIIi11Al.1' ,
.Il_Y.!LlL c uJ'.!L.1.llLIIIllI1YJJ....-1.1tlLm!lrJRIIA!! J11JJ .--'1.!!...I.Q.!UJ!.f.!l.!J ...JJLlIIO
f1JIJ!)Q.. P9.l!W.!lJLII1I _IL.JllLll~J~\1 LLJII!!1. O!;~\1 r,eJJ.! lIowe vcr. yuu n I'e nul
enlllled 10 IhlR rlRhl 10 cure Yllur defnllll mure Lhnn lhree IlmeR
In nllY cnlendar ,'nr.
SllIcerely,
OllllSToWN IIANK OF
/lll I PPENSIIUItO
Anlla I.. Kepllor
Colleclor
7.799-994-860
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vs.
I IN THE COURT OF COMMON PLEAS
I CUMBERLAND COUNTY, PENNSYLVANIA
I CIVIL ACTION - LAW
I
I 94-3615 CIVIL TERM
I
I ACTION OF MORTGAGE FORECLOSURE
I
ORRSTOWN BANK,
plaintiff
JAY V. STONE and
SARA V. STONE,
Defendants
PRAECIPE
Dear Sirl
Please mark the above captioned action settled and
discontinued.
TO: LAWRENCE E. WELKER, PROTHONOTARY
July 26, 1994
,
,
FOWLER, ADDAMS, SHUGHART , RUNDLE
, /' 1)-
--- ,
/ " /'\ . .-', / !
,.' I ! (I'
1'\ .'-.'1. ..
BYI,!1 i1..I) \7//;"/' /
Da e F. S ug art., Jr. I
Attorneys for Plaintiff
orr.stown Bank
;'~"-J
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~!,"f..,
,..h.frJ.
14,.::tt- 'If.
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",' _..;L1
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.
vs.
I IN TilE COURT OF COMMON PLEAS
I CUMBERLAND COUNTY, PENNSYLVANIA
I CIVIL ACTION - LAW
I
I 94 . j (fII5 CIVIL TERM
I
I ACTION OF MORTGAGE FORECLOSURE
I
ORRSTOWN BANK,
Plaintiff
JAY V. STONE and
SARA V. STONE,
Defendants
NOTICE
You have been sued in court. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this complaint and Notice are
served, by ontering a written appearance personally or by
attorney and filing in writing with the court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the court without further
notice for any money claJ.rned in the Complaint or for any other
claim or relief requested by the plaintiff. You may lose money
or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO A 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 OUR WHERE YOU CAN GET
LEGAL HELP.
Court Administrator
Fourth Floor
Cumberland County Courthouse
Carlisle, PA 17013
Telephone: (717) 240-6200
TRUE COPY FROM RECORD
In Tostlmony whoreol.1 hero WlfO set my I\and
and the seal 01 !;.11.j Coorl at Carlisle, Pa. /
'." I I 01
'rill!! :J r~day Off /,l'l . 19-L-_
I ,'.ill i, )f! ~/ '~~h~notary
..
ORRSTOWN BANK,
Plaintiff
I IN THE COURT OF COMMON PLEAS
I CUMBERLAND COUNTY, PENNSYLVANIA
I CIVIL ACTION - LAW
I
I
I
I
I
vs.
94 -- '~(I;l
CIVIL TERM
JAY V. STONE and
SARA V. STONE,
Defendants
ACTION OF MORTGAGE FORECLOSURE
COMPLAINT
AND NOW, comes the Plaintiff, Orrstown Bank, by its
attorneys, Fowler, Addams, shughart & Rundle, and makes the
following Complaint in Mortgage Foreclosure against Jay V. Stone
and Sara V. stone, Defendants:
1. Plaintiff is Orrstown Bank, a Pennsylvania banking
corporation organized and existing under the laws of the
Commonwealth of Pennsylvania with its principal place of business
is located at 3580 Orrstown Road, Orrstown, PA 17244, and a
mailing address of P. O. BOK 250, Shippensburg, PA 17257.
2. Defendants are Jay V. Stone and Sara V. stone, husband
and wife, adult individuals whose last known address is 350 Long
Gap Road, North Middleton TownShip, Carlisle, Cumberland County,
PA 17013.
3. At all relevant times, Defendants, Jay V. Stone and
Sara V. Stone, husband and wife, have been the real owners of a
tract of land with buildings and improvements thereon erected and
located at 350 Longs Gap Road, North Middleton Township,
Carlisle, Cumberland County, Pennsylvania, which premises are
,
more fully described in Exhibit "All, attached hereto and made a
part hereof.
4. At all relevant times Defendant Jay V. stone has been
the real owner of a traot of land with buildings and improvements
thereon erected at 1526 Newville Road, West Pennsboro Township,
Carlisle, Cumberland county, PennsYlvania, which Premises are
more fully described in Exhibit liB", attached hereto and made a
part hereof.
5. On or about October 23, 1991, in consideration of a loan
of Forty-six Thousand Nine Hundred Thirteen and 03/100
($46,913.03) Dollars, made by Plaintiff to Defendants, which
funds were received by Defendants, Defendants, as Borrowers,
eKecuted and delivered to Plaintiff, as Lender, a Note and
security Agreement dated October 23, 1991 (the "Note") in the
principal sum of Forty-six Thousand Nine lIundred Thirteen and
03/100 ($46,913.03) Dollars (the "Principal"), and requiring a
payment of interest on the principal at the rate of nine and
forty-nine one hundredths (9.49%) percent, a true and correct
copy of which Note is attached hereto, made a part hereof and
marked Exhibit "CII.
6. The Note obligates the Defendants to pay to Plaintiff
the sum of Nine lIundred eighty-eight and 75/100 ($900.75)
Dollars, principal and interest, on or before the 12th day of
each month, commencing December 12, 1991 and each month
thereafter until November 12, 1996.
-2-
7. The indebtedness evidenced by the Note is secured by a
Mortgage on the Premises at 350 Longs Gap Hoad dated october 23,
1991 (the "Mortgage") eKecuted, conveyed and delivered by
Defendants, as Borrower, to Plaintiff, as Lender, a true and
correct copy of which Mortgage is attached hereto, made a part
hereof and marked Exhibit "D".
8. The mortgage, Exhibit "D", was duly recorded in the
Office of the He corder of Deeds in and for cumberland county,
Pennsylvania on November 6, 1991 in Mortgage Book 1034, Page 498.
9. The indebtedness evidenced by the Note is also secured
by a mortgage on the premises at 1526 Newville Hoad dated
October 23, 1991 (the "Mortgagell) executed, conveyed and
delivered by Defendant Jay V. stone, as Borrower, to the
Plaintiff, as Lender, a true and correct copy of which mortgage
is attached hereto, made a part hereof and marked Exhibit "Ell.
10. The mortgage, Exhibit liE", was duly recorded in the
Office of the Recorder of Deeds in and for cumberland county,
Pennsylvania on November 6, 1991 in Mortgage Book 1034, Page 494.
11. The failure of the Defendants to pay the principal and
interest on or before its due date constitutes a "defaultll as set
forth under "DEFAULT" contained in the Additional 'l'erms on Page 2
of the Note and incorporated in the Mortgages by reference.
12. Defendants have been in default under the terms of the
mortgages by failing or refusing to pay tho required amounts of
-3-
prinoipal and interest due Plaintiff since the payment due on or
before Fobruary 12, 1994.
13. The terms of the Mortgages and the Note provide that
upon the occurrence of a default and upon failure to pay the
amount due within thirty (30) days after the mailing of written
notice by Plaintiff to the Defendants, Plaintiff may institute an
action in mortgage foreclosure and may accelerate the immediate
payment of the entire unpaid amount due plaintiff and secured by
the mortgages. The required notices were mailed to the Defendants
on March 25, 1994, copies of which are attached hereto,
incorporated herein by referonce and marked Exhibits "II" and III",
respecti vely.
14. The sums presently due and payable to the plaintiff by
the Defendants and secured by the mortgages are itemized as
follows I
a. Unpaid principal - $29,027.55
b. Unpaid interest (to 7/12/94) - 1,032.00
c. Attorney collection fee of 20% - 6.003.00
Total - $36,942.13
15. Plaintiff has duly complied with the provisions of the
Emergency Mortgage Assistance Act of 19B3 ("Act 91") in that the
prescribed NoUce of Eligibility was sent to the lJefendants,
Jay V. atone and /lara V. atone, by cerU f ied mail and first class
mail, postage prepaid on May 1B, 19941 and the Temporary stay of
Enforcement of the Mortgage by reason of Act No. 91 has expired
-4-
in that the Defendants have failed to appear for a face-to-face
meeting with Plaintiff or a designated Consumer credit
counselling Agency within thirty (30) days. True and correct
copies of the prescribed Notices are attached hereto, made a part
hereof and marked Exhibit "P" ond "G", respectively.
16. written Notice of Intention to Foreclose was sent to
each Defendant by certified mail on March 25, 1994, pursuant to
section 403(a) of the Act of January 30, 1974, P.L. 13, No.6, as
amended, 41 P.S. section 403(a), true and correct copies of which
Notices are attached hereto, made a part hereof and marked
Exhibits "H" and III", respectively.
17. The Defendants have nevertheless failed to cure the
said defaults.
10. There have been no assignments of either of the two
Mortgages or of the Note.
WHEREFORE, Plaintiff demands judgment against the Defendants
in the sum of Thirty-siX Thousand Nine lIundred forty-two and
63/100 ($36,942.63) Dollars, together with costs and interest on
-5-
the unpaid principal balance aocruing at the rate of interest
(9.49') from July 13, 1994 and demands foreclosure and judicial
sale of the interest of the Defendants in the mortgaged premises.
FOWLER, ADDAMS, SHUGHART' RUNDLE
BYI
Dale F.
supreme court
28 South pitt
P. o. Box 208
carlisle, PA 17013
(717) 249-8300
rt, J .
No. 19373
street,
Attorneys for plaintiff
..6-
VERIFICATION
Anita L. Kepner, hereby verifies that she is a Colleotion
Offioer of Orrstown Bank, Plaintiff above named, that she is
authorized to and make this Verification for and on its behalf,
and that the facts set forth in the foregoing complaint are true
and correct to the best of her knowledge, information and belief,
and understands that false statements herein are made subject to
the penalties of 18 Pa. C.S. 54904 relating to unsworn
falsifications.
DATE:
July 1, 1994
(1/lllGt (~r~f1JA)
-7-
"
-... -. -.----
'. ..' ,- . ,""'~ '''\.111' . ,. . . . t' . .
'" ALL t i c'.rtaia lot of.round .lluated In Norlh Mlddlelon Town.hlp, Cumb-
erland Coun . Penn.ylvlnla, bounded Ind deecrlbed II followlI '
, , "1
\ . "",."
DEOlNNINQ-at.. polnl on the Wuter" line of Long'a Glp ROld and Ih. norther'
line of Hili D~lv""I~lthat jiolnt opened td I width of 50 feell Ihence by Ihe northun'
line of Hili Drh/.'\it4lhthdly.. ahtante of 17; 5 feell Ihence by the urn. conllnuln.
In I wutward'lIllieill'6l\"durlni';,hlch the width of IllI1 Drive dlmlnlehu 10 H feet.
I ell.tancI ol."IIO'htt more'or leu 10 I pol"l; Ihence by the nltern line of leI No.
, 44 on laid pllnln" , tIOrtherly direction 62 feet; thence by line of lallda.' nO\ll or
,formerly of Cook; hi In ulterly dlrectlori 126.5 feetl thence by lhe writer line of
Lqn." Gap /toai! .oIllhwhdly a dlatlnce of 50 feet more or Ie... and beln. the
major Jlorllon 01 .Lot No. 45011 Stine Development Plan No. a II recorded In the
office 01 the'Recorder 01 Deeda 1"lnd for Cumberland County In Pla~ Dook 6 at
pa.e 41, the dlm~n'lonl o( which lot vary from the recorded plan for Ihe rellon
that Ihe pl'nai'tf~ll'fllU ~howa ..Id 101 ai beln. meuured Ham Ihe ","Ietn aide
01 Lon.'a Gap Road ..heren In aclual meuurementa recorded on Ihe plan Ire from
Ih. center line 'elf 'Lona'S Gap Road.
.. ,'1 'i', I
",-:Ie,. ,. :, _ "r.~:~::
,I
I~xhihit. "^"
1
I
. ." AlIlhnl cntnlntl'nd "r lUll" nllllll\l' III Wr.Bt l'enl1nllo"lI
'l'owl1Bhlp nllll North Middleton 'J'owl1uhIJl. CIIII1I",l'Iollll COllllty, I'l!llnoylvnuln.
lIIore pnrllculul'lybbllhllcll ond dl!ocl'lhcd II~ followRl
IlEOINNINO 01 1 oplko tnthe e'el11er of PClluBylvOlllo IlIghwoy Roule '041
ol1d corncr bllllnds Ilow or fOl'l11cl'ly of Gcol'lln II. Myers, Jr. I Ulence South
02 degrces 45 mlnulu Eool. 0 dlotunce of 287. 20 feclthroUllh lhe eentnr of
Penl1lJylvoulu IIlllhwo)' Roule '041 160 spike In Ule ccnler of Pennsylvanln
IIIghway Roule '041 and corr",r of lul1d 1I0W or formerly of IIorold I" Slonnl
Ullmce Soulh 12 degrees 15 I1Ilnlllell Wr.sl. a dlolal1ce of 170 feel olol1glllld 110W
or formerly of IIlrold L. Slolle to nil r.xlnllllg nlake: Ihcl1cr. South 77 degrees
45 minutes East, a distance of 270.17 feci ulollglondR now or formerly of
lIorold L. :"one. E.R. Kouffmon nnd Joho A. 1'01101' to n otnke, thence South
12 degreco 15 mll1utes West. 0 dlstnncr. of 40 rr.ct nlollglnnd now or formcrly of
W. R. F'urehcolo 011 Iron plnl, lhcl1ct' S<llllh 77 dcgrr.('s 45 mlnulco I':osl 0 dlolnl1cr.
of 75 feel olonlllnnd now or formerly or W, n, Furcht's to on Iron pin, Ihenee
Norlh 12 dcgrees 15 hlll1ules Eaol 0 dlRtonee or 40 feci alonglal1d now or formcl'ly
of W. R, Furches to an 11'011 pin arlit corocr or 10l1d IIOW or formcrly of W. E,
McCllnlock, lhence'Soulh 77 dr.llrees 45 I1Ill1ulco Eool 0 dlBlonce of 259.17 rpcl
alonglond now or formerly of W. E. M{~Clll1loek. IIorold nowero and Ralph v,
nnrRer 10 0 slake and corner of land now or formerly of Oene R, Leonard, thrncr
~UUl 01 degree 00 mlnulco Weol. n dtotanrr or 241 fcr.1 n10ngland nOlll or formerly
of Dene n. Lc/lllltd 10 n pool and corner of IBnd now or formrrly'oll'cnn Central
1\0Urood rlghl'tlllwaYI' Ihence NorOI 07 degrees 47 mlnules Wesla dlstallce of
1280.00 feellllonglhe land now or rormel'ly of Penn Cenlrol Rallroid rlghl-or-way
, 10 a posllnl' ~n orfd liorher or louds now or forrnl!rly of aellrlle n. My~..s, Jr.,
, Ihence Norlh 41 degr.el!8 30 mlnuteii EllsI n d\olnnce of 674 feellhrough sold run and
a1onlllolld now 01' formerly of George 11. Myers. Jr. 10 a spike In Ihe Hhlel' uf
Ihe aforesaid tllilhtlOMd l't'nnll)'l~anla IIIghway I\oulo '641 and Place of IJEGINNINO.
"
CONTAINING 0.116 nereo and bt'lnp, In O{'clll'<Innrc wllh ourvcy of Thoman A.
N erf, Rcglstered 9Jrveyor, doled June 30, 1070.
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(':xhl hi t "II"
I. J
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IV~'~~"r~'nll'hld".11 .tll ~'I . . ~,~.._. I
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Stculllr: You Ill' Il'l'mrl 'I!rurtl~ 1I11PIUlln
o Ihlloodl 01 nlOnlllr IIP,nl nUlChurd
1XIlblllldllCflnhonololhlfpronlflrl. l'ro~~l:!~.'I~!J.n6..N~\oIyl!lc I'd. & )50
rlllnlrllll 2/1,00.. lid. Corlln\I'. I'll,
late Chl,.,' III ('llymflnl is lilli, you Will lip chllRed ~\ ollhr ('l.ymtlll. hul "01111011' lhlll 11 ~1I
'"pI,m,nl' 1I,0u n'r 011 PIIlr, rou .,11 nol hm 10 n" I n.n,",
Spp ~OUI [onllnl t!ocunlpnl, 100Iny Iddlhol1llinlorm.hon .boul nonplymrnl, ,lrllull. .ny IPIIUIII'II 'PII.yl11l'nllllluH IIrltllt' lht' schl'tllllPlI
d.II, Ind n"p.,",.nl IIlundllnd p,".II11'
~OTE AND SECURITY AGREEMENT.
,
O.,.L~cLoher lJ
~NNUAL '
R~~jENTAGE
Ih. tOil 01 rou' tlld,I
III ,u,l, III.
9./19 %
FINANCE
CHARGE
Ih. doll.. 100ounllh.
md,I.,1I COIl '011
Arnounl financed
'he amounl 01 urt!ll pro'l'ull'd
10 ~ou 01 on ~uur heh311
$ 12,/il1.17
1/16,913.11)
. I~ ~ I
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.
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AI'IQIIIlllul""Ct'I!
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CIl.", " Ilrh IlItrru.. Ihl, 11II1l1I"I,
Tlh. 1'''1111''1 rill rnll.rllhl. d.hllrnm )1111 ,,111111111 nl\lll) III~ 111..1111....1 IIIlIlIlh., 1111I11""', I h.I,..1I1111 rill 11\0 lh. 'MIII. ....11..11""
1I111IUrlh 1~.II11lllllllhll rill h. ",.lIlglllll1 Ih.n"",,".., .111'1.1\ ,"111~ 1"",1'1... IIlhllll,'hl II "'" 1II,Idlllll Ihll IM.'IIIII) hl<""I1'.
pili" )''''" rr.1l1t rrrlllll, '
I" \/l'."/I \ 1/1/1//1 11'//1/1111'1 \' '" II (
11I1 .":'" ,I, Ir~r"'"l\ 1'lprl\'ItI~I\lt!IlIIl"il\ t ,,'\\,'lIll ht.,,, /""'111" 1"I'Hl'III'tlll"'''ll''td''Ihr\III';111111'IIPI"d.I'/II'
tlnl illlrIHlh" IIIIUII", a, f11fH'lllfll In 11m Null' \ollll1lrllllln lIt Ir'illl\ hll\Jlld Iq ;1111111' HI'II\ ,,111'1' ),jplr, Hp.u.Ilt1\ ,111,1 I","llin "1111/1,1' 11I'1I'I\\I't \ I'll ,Ill'
IlHI~II1)l 1"" 1",UllIU II' IllllIIl'C' In 1111ll1I~t IIII' Illln Itllhe nUIlI1~'I, t\tlllhllHfh lilt PII"f',J, \\dl hI' II 101 !!lI\ I", tl,.. 1l"'Ht\H' ,IoI"1Ir1l1 \ lllllll'lll' 1111, 11'-1 ' ,I
IIIl1lltllllllt 111t\U1tnl "011I lUll v.ilh 111ll1lnk"n' .nr I' I II I I r ,-",.. l
, ,,'11011 rlHlItH III P,Hlllttlt 111'"111" l""'"\rl \ ''11"1.,, ill. ''''\IIIII.'r Ifll'llltl~ ,\ t'"tI,,'I"'~lt \"11\ HI 1111\ r,"If'
III Sltlllfl\ "ltll1i111llt
:.:llll'l' "('10
;\,I.tll\'
11,llt
"'HHIIIIN,II 1111\1'
11111 J It., II ~\l' IIn L.ll' Ill\' Ullf111UI haLlIUl' \lltht" Soh' ,IlHlt':II11nllllfunllll hI'
lrlll'h'II';lh h ,hit' ,'H.II',,\nhll'. )1111 "Imt' )l1UI lI~hl\ "'l\qlllU' lI\ 11111.. nllillll
Ihllll!' IllIJ\t' I hlll~'~ illl'
III III lh'nl;III1II'.l\ 1I11'HI 1.1 ilHlI'Il,.I\ ,1m' I ~ 111'\\ II." .1" r~I'lIll1lrlll"I,
11111.1 )11\t' llllll\l' lhill ;1II,nlllll\ ,Iln' 1I,,\r I,n' hfrtl paid l\nll\'ll ill "I\I.IHr ,.1
1!I\IIlIlI,""'! ,Ill.!
11111 hlllh'illll.1II Hllln:,1 I"'llln.lllllll lllllnlljlil\tlll'llll'""\IIl il\ "Illlllnl"
tnT,IUI. 7:1 lit' rlllln~1I11l1Ilt' filCh "1)c1lull\";
(if \'OU r'lllll Il1l1kf: JHl\' 1I1)'l1ltl1ll1ll1' nn nr tnfult Iht cln) II {Illll(\ tim',
(Ii) \'m, PHl\'uJr II' "illl fahr tnh'llllnllllll or sillllnllllt'l RI nn) IllltC;
(iiil \""1 dir III hl'rlllllr ki:ll1h lIu:n'"prlcnL
tl\'l "llII Iln :",,\ prlltlll1lh IIlltl rnopCd)' I'trform all)' III )1111I 1111111I1\1'\ I"
ul1liil-"IIIII1\ ll\ Ihl' NUll',lht Scollil)' Agu'tnltnl.lhr MIlIIJ!n,t,1H \II AIl\ olhtl
Ull'lt "' 1tJ!1rt'lIltlll ) III I 1111\1. t1I Iillrr tU\\t ",llh m:
t\) "llIll'UIlI"IIII") ,111\ III \\1lI1 th'hu ,,\ Iht)'llllllt' .llIt;
ttll fht ('c,lhllL'lul" l'ltl, 'Inkll, II1ItllUlt'd 1lI11e'lIu)C1I,
It'1l1 Ihr ("nll,I'nnll' ,uhl, IllllI,ItIlCII, knlCll. IIht'lI III Ilrlntml,ln 1\ !lolli' PI III
11i\lI, 10 ,I Ptl'll11 \l.hlll\ 11111 "II"'IY IlIlhe SUUIII)' ^IIIl'rttlt'1l1 nl MIIII.',II'"
(till) I'ltllrntllll" ;lIt hl'~l\l1lltlltrllhr "'ll~tul'lr)' emit h\ III 1l~<l1ll'1 \oll
11'1 '\Ill Ilull'lIwlIl "rlllt'Hi! ot In IIIII'~'11111 )'1111, III
1'1 Am lit \IHII pi lll'l"l 1\' 1\ ;\tl,llhrlll,r lllhJulln bt'ill' Illllnlnl
/I/:/Al/I,I,I,\I! /I/.(.JI'I/l1 /I r~ I'MLNl IN IfilL 11,") 11<1.1111 ",nil'. ,,,.
m:",11 \I.' thllll't'. "Ilnrltlnh,",ht lllaIUdl)' nllhil Nult' I hi~ "'rllll'"' lIIil\ Ih'llan'
Ihc.CllIIIC rrmallllll, Illll,nitl hl'lll\nu'llllllt AnlllUIII rlnnllctll III HI rl\l Iltll 1lllrtc'l III
he im"\cdilllrl~'II\le illlll rn\'nhll' 1111\\t'\tl. il Ihit Nutt il ttrtlll'll h) 11 Mntl,rlF\' 1111
le,itlenlllllll'ul plt111l'11) ttlllalclill,llltllllllrd h~' law,"' "11I11lU HIIII )tlllllllllll"h
nnllrr Illlllf Prhllllt, lllhillll~ \fllIllf YIIII. 11;111 tn (Ill; I!lr nctulIlI 111111 III 11111
j"IClItHIIlIII tn~I' 11111111I If \1111 1111 lUll flllt y,llhllllht' Ilmt 1ll'lllhl'llll\llh'd III 11111
tll'lilt If loll' lilr ,Ill ill 1'"11 III I lilli'll ;11l11lUllll IIlI)dnull, )llllllllll npltl' III p;1\ nil III
11111 nlUlllml\ llllJ 1lIlllCII\llllllhlt nllnll1f)'\ Irr~ 111 2Wl (II lilt' ll111lHlllllll1l' tllll
rilthllll j"\lllrd alhllllq" 111'1 1\';1\ hi' Iilllllclllhllln, An\ rllff "tllllllll111\ 1111'11 h\
la\l Wr lllll (1'11111111\' 11I1I1I1HIlt' Illlflt,III,"I) un .11 ~1I111\ ll....rtlIII U\ lllllw Hlh'
1llll\1I1rtl 11\ Ihl\ NII!t- 11I1111 ....1' Irrrl\t' j1h~'l11tIH In full, t\tll if \I.. h:l\f IIhliHltI'll
1\llll!lllrnll1~IlIll" )1ll1
1..17 r ('/I,t Ufi I'S lr "11\ ra\II\1'llIl, 111\1 Il1ntlr ~hhl" I ~ 111\)' III iUllllr tl:llr,"l' lllll
fh.lI~r nntl ~Ullll}!let' IlI!,A\ u 1;1Ie pn)lI1tnl r1Utl~f IIf 5tff, nllhr nlllllUlllllllhr lUll'
r"~l1ltlll. hUIlIllllllUlr 11\1111 ",\11
Allit111" r " ,IIlIII.,\ !I1111'1t h mlllt ItlPn ont UUllll"rr IInlhl' Nlllr, 1'1 IItn' 1\1
mlllc t 'll'''lgllfll,llllnl ~IlUI tlhlll!lIlwII.~hnllhr I\lUnAI)_ Illrlllll ) till "III hrhaI1\r.
'CI'AlnICI) ulllllllp.rlhrl fill nil 111 )11\" fllllmhn in thl~ Null'
\\ I' 11,11\ l' I hI' 111'''1 1,'111111 ,111\ 1111111111\ 1I1hl'I Ih,llllhr ( 1111,111'1 al ,1\ \1111111 \ "'11 hl\
~plt \ 1\ ,11111 nl ,Ill\ 1Ilhl'lllllltlllll!hlt lllllh'IIIlI' Null. \\ lit IlIII hi' rHh III I' Ii II II .\
II I ~ !II ,I "1'111 ,I I' 1111111' '
\1 J \, II II , I III 111\ \ I II IUI,III\ \\1' 1,1,101"111\ Id lI.l' 1011111"11111 \1I1!i1l1l1
1111.111' \'''1 "I 1"""11' .111\ IIf'III' .Q',II1l'1 \"" III Iln' I 1111,111 1 ,I'
III at' 1'1'1,111111 , 1'1111 hl'lllIlll'l lit ,II ~ Ill' Ililhlllllull" III 1'1111 \111111.11 LmJ'tlil)/I' iI' A
II.ltl",II"I~ IIH 11\ Illld~'1 IlIi, NIIII
11111'1\1' ihl,lllh"',llllllll'llll fl;l~lll\'llllllllll' ;nlllHlIllll"Ill}lllllth'lllIil ~Hh,
11111 I' \1'111\1', ~'II I 111' III Ilrlll' 1'\t'l ~'I'IIII! ;1'1\ 1 i)!hlllfAIIl\' 111I) 1'1'111111111 1IIIIIIfll \:
It\ I 111M ill 11'1";1\1' ,Ill\ Ill'l\ltll III 11IuJlt'l1\ nhh"llt'1 lIIulrllhl\ Nulr, 111
1\1 lillllllllll.II'11 III l"lllllIlr 11111 IlIlt'lnl ill llIl' lllllu' ('"lIillrl,,1
III'" , JI ,,1\ \ \ 1111 \\ Itlll'1l1.l1ll hllllml h\'lhll NUll' rlrll II lit.. I
\IHlrH ,I,till,ll','d III 111~1I1'~I'11
1,1I11Itl;III' blq,
III \"," 1_\/1 IIIUIII \ ^lIlll1' hrllrllll III 11m t\lIh' thalll,lllll 11\.11111
\11111 ,,"1\ ,IUd ,I'" 11'11\ 1111" l.hhr,11I1l1111IullI hlllll \1111, 111111 ,mil hl'II\, 1'11\1111011
Iqllfll'lll,III\I'\ 111'11 ,IHI}llIl
.\'1)111' \ Ilnlt'\\ "lhl'l"ll~'II'llllllnlll\ 1..\\, I',uh 11t'lll,lI,,1 III IIl1lhr 111Ul.-1111I\
Nlllr ,hall I1\' d..h\I'II'1111l unl h\ Iq!llI,lII1l111I, illhIIC\'tllll1lllr prlll\ nllll nlltl,,'" n~
pllll"h'd IIIIhl\ ~lll' 111111'1 11I1I1~ lIla\ Ihalll!I' il\ lIlllhl'llln VI\III}! '111'11 It 1111111" III
Iln' 111111'1 pall, It 1',1' llnahlr 111I1111'. \\ Ill'lIl1nlll \' " IfljUllt'll. ,hllll hl' Ih't'lIU'd II' III 10
Iln\'
I III Ihl\ 'lIlt' \,dl lit' fll\('lllI'd h\
IIWlIl\h;lIl1,l, tlltlf'~ Irtll'lnll1l\41 Ulll'h
Ihe I,,", III Ihl' 11IIllll\\l1l....1';llth ..I
Sf! 1'1111\ ,\f;III1\1INI
SIt'IIONI IOM~^NllIlIll^III(1\1 Whrn)'VIl'lfnlllllNlIlrlllhldl"h\t'1 ]h \1I1'Il,\lIIIIJlUI' ll)tl~ II\Illll.llllulllI\\h,IIIIII'qullnll,I\'lllh\
11111 Ul, illlll \'IHlII'Il'It' Illl' t\lhrl Il'llutlC'llllclllllt, \\t' "ilIl1\ll~t' it "lilllltl )1'" I hll "n 1.1111' .. " ,'.1 ,IIIIl ,I \, \\t' m.l\ tl 111'11111'''1' JlClIHIIlI ~ nlll Ilhll~;Ilhlll\ ;1111111.1\
lll.h IlIlIl ,111,1 1.'IILtI~n \\1' "IU ,lIllllhl' .11I111111111 "I' ad\i1Il\I' lilliII' 'IlIlI\ Ihl'
SCtUIII)' ^pU'ft1ll'lll itl'f1hr~ uul\ It, rt'Iltlnal rlllllfll) IltH'llhl'lll" t -lIl1i1lt'lal 1111 Ilw 11111111\\1'1 n\\I" lIlt 1111' "\I1h' 1111 \\hlt It IH' 11llpIl\I'IHh'IC1I 11\ ptll\ldl'llmllm ~1l11 II
rllllll \illr 11111111 NlIh' ^~ u\nl tlllhr rtlllll~lIIg SHlloll,,,llhi\ ~l'l'UIlI) ^~It'rlllt'lIl. \nll!;ll\l" hlltllll '1l1ll1'11l1ll1\t'lln Ill,llllllllllll"lIlilUtI' III dIn 1.1111111'11\ Idltl~ h'I'
"\IIt1" UI'11 111I111111', all) ( 1I-0\\l1t'1 \lllhe t'lllldlflltl. 1;1\1 ~ III Ihr 110-.1\ tll'1 I ,~,Il \ III ht'1' Ihl <<'lllIalt'lallllj.'lIml \ 1111111111111 ;lIhll"II,1I1 \\1'
, I 1ll,1I It \\1' ,llntll' Ihllll\l' OIhllllll' ;ttl\ 'tlllI\ \1111 1'1111111\\'.1 III f1il~ 111111 ..hllllll
SITIION 2 \ Ullll 0 111I,1t Miltn;MENIS It'pl,Hl'ltH'lll UI\llLIlIl\ 11111\\'\1'1, ,111\ 1I'I'Iilll'lllt"tll 01'111;1111\' Ill' "hLtilll111111.',11l\\
11101,1111'1'1,..1111 ( ,,It,11i 1;lllll.l\ hI' lillllhtlll'illl ;tllllltllllll"II'"-,lll'llh,1II IIt.1 \ 1111
Ill\!' HIIIIIl' ,,,'" \11\ ,lIIIlItllI1 \\1' ,hhiilllt. un \nUl IlI'h,lll "III hi' ildtl'll III Ihc
11,11,11111' Iln II hllll 1\l11ll1'1"1' 11'I.IIII't" lIillfl'l ,II IIH' '\IIIItI,11 PI'hTIH.I~l' ILIII' "I Ihll
\:.'11' illlol Ill,l\ hi' Ill',l\ah'" llllllllllqll;lll'h "!'tIlI tlnll,lIltl 1111 al!lll}! \lllh \"111
Illlltllhl\ 1',1\1111 ,\1_ III 11111,11 Ihl' 1'/111 III Ihl' "'01,11' ;Il \\1 ;1111111' Itl'l\ \1'1" It I 11111
",I\tllI t110 I'll \'"11 11,11,111 \\IIIUIIII lilt' \IIllIl;t1IUl\ 11'11t'111"1I1 111111 pll.l1tI'I~ 1111111\
\011111\ \1~lnllll"lIl
.. J I ~"I'II III t~ \ 1111 \I. IlIlwlllI.I 'I~ 1 II IIl\I'I.1 I I lit' ( 'ull,lll'1 ill/It 1111\ II' ,t~'lU,lhh'
111111'
2 I OWN, "111 . I It \ \Ill tI\\lllhf C"t1I1"It',nl frC'e 111111 dnll 1\1 .tll hl'tt\ It/Ill
\~'llllll) IlIlfn\ll 'IHI \\11111111 II II, II iII11ICl,It'll~C, p,it'f, c1eIiHI!l1 ulhel\\l\e III,I'"\('
nllhr (.oll.1IC'I,II,111 \\hllh' "'Ill rilll, III UII\ rCIlOII \\'hlll\ 1It1111 flnll) Il1lhl\ '\t'I'lIlll\
^~!IrrmcIII "tIlI "1lIntll rt'llllll Rn\ Ilfn 1II srr\llll~ Inlt'It'~IIIIIII'llhlnlllnlllllllll'
('II!lnlulIllllht'l Ih,," HIli \
22 M^INli\ININO IlIrnlll/\lrR^1 I\tynurt'lIl1,\t1u\l.llIllIlIlIIlllIlllhl'
('I,lhlll'raliIlI!IHIII t'lllllltlllltlillld I('flall 'till \\iIIf1lC'ter\l' II nl!illll\llllllIIIII,IIII;II'I'
YII1I \\l1i 11:1) alllll\C\ 1I11lt 1I1ho dlntf!el (1lIlhe ('ttlhurfAl "Uti \1,.1111111 tll(' lilt'
('Il!lalrlill tllt'~,III) 1111111 hll\'
l' Orl'OSll MTOt?N IS IIlhr Cnllalt'tAll'lIluim tllll IIC'fllltil nnllllllllll
rrflillrillc 11111rl'mil, \l.t' 11\11)' Il'hln~ III nllllYt YtllIloclult thr lllTtlllll1 nI \l.lllullll"
un)' ,III11S 111'11I il 1I1hr .('('I\l11l1 III Hlliricalt' of drpulil !tllllUlrl \\Ililt Ihe Nule
H'lllnl'" tllIl'ltlll, l\r \\Ili nllllllllllllt'oll\' rtllC'\\'thf dt'(lmil fmlhr IlInlf Iilnt IIt'rItHI. III
rllmulnl inlht' tll'l'lI\11 n.!In'tltt'nl. unk" ~11II1l1111 \U Pllrt thllllllc 1I1'l'u\11 ,Iltllllll
Ill' Il'nt'\l.nllltllllht'lltllll5 I hr lenl'\\1I1 dC(llltUlhllI lit' l.tll!alrlfll ~lIhjt'rlltllhll
Sl'nllll~ ^1!lI'tIl1ClIl
2 4 INtjlllt^"~('I Wink UI1\ lllnn life n.....t'd un 11111 NIIII', \11tl \\111 1'1111\
Ill11H;tIlt-t 1111 ;lll\ (1,1I11lrlnl \\hll'h I' lIulllll1Ur fHU'e~\l1l1l ilJ!.lll1'llllr, Ihdl 111\11
t1lhrr t'ltumll\ 1 he 1'1I1il'\' nlll'l (1\l1lnlll n dedurlihlrclllUf nlld h(' III nl1l1lllllUIIIllllII
....llh 111l111~tfltllhillllll' 11111\llllltll) III III 'lilt' I'lIllq' 11111111111111r 11\ 11\ Iht' "1.1\\
'I:tHf "'1 ht PUllf) I1lt"l f1tmlllr Iltul nil)' Inn h 10 he r")-ahle III )IIU IInlllll II' 11\ 11111
illltlt'II'l'lrl1t'i\1 II II1IllI i\hll 11Imitlr Ihnl \\t ht P:i\'fll nnll..ll 11.1111 11111;1\1'1111111
l\1l11tlllltlllrr III Rn\ UHlrellntlon fIIleduftinll in cn\lClll~t. rllllll\\ Ifll\llll llllllll
Il'qllftl. )1111 ,h,1l1 dlll\l'llhl' t'"ltrlfl. rt'lllllcalu 111 nllltl nllll'llll' III tllql!,Ht\'i" III
\1\ IIIIhl'I'II'1I1 101 dl1\ 111\\ 1"ILI'ILI.'!' hI Ihc 1.lllluH'llll. )1111 \\111 In\l1\nll,\1..1\ lwtd\
m Itl \'111111"-111111 Itll';1 I'llll,llllltl~1 \\lIh Ihe i"'Ull'( We 11I11\ Ilk i1lllIHlI,'III1~\ 1111
\ 11111 1IC'llllllll \ IlU I rill III Irlll\\'llIlln \II \\'r 111"~ 1l1~t1 ~i'll ~\IUI !l.IIIIt' In ,1lI~ lhl'l ~
tll,llllII Illhl'l 1111it'1 Illl Ihr pi1\II1Cllllll ilUlIl.lltC' !,lllncII, ,"lllr t'\t'lIlnlltl~11l1
t111I1li\J!r Itllhr t'III1;111"I1I1 11111\ C'"I111IllI,'.ll~ Il'rl\ihlf, in 11111 illll~Illt'1I1 l\l' \\111
nppl) I hi' '11\111111IlC IHOlTl'lh III rtrl\u nt 'frll\~t lilt' {'IIU"lrllll I1ll1rl"I"', \\(' \1.111
ill,/,h I hI' 1lIlIltnl' Iltjt'lhlll'llI.. 'lllll\ \ till n\U fin lhit NllU'
} ~ NOII"-ti nlln "11'111111" IN If Ins 1 II II rrllillrillf 1Illllk I~ "~III'11 It..
11ll' (Illlitlrlid \011 Ildl n\\I\1 I" ill lunllll'. 011I InUIlI, mlt'lnl Iwlt'll nn Ihl'
\l'llItllilll' III Illk
,It 1111\ \ 1\1 I I Ol.iloi 01 1111 ill I' I hl' ~11It Mill II", "1'1 11111\ :'\I~ll'llIH'1I1
lllil\ Ill' III'l'"l1,lh'll, aOll~IlI'II.C\"'lllh'IIIlIII'Ilt'\l.ed h\ II' \\iilhullllrh'il\lllll nu) III \1111
III Ihl' t '"II,IIt'I;1I WI' tI\.I\ illltllll 1..11'01\1' IIll\ I'I'I~IIIIIII I'rnf1lll~ Ilhltf!illl'lllllllll'llhl'
Nill!" ;IlIIllhl\ "1111111\ '\}!It'I'llll'lIl \\llllll\llllllIHI! "III lip"l\ Inlhl' t Illtulrl,,1
Sf t 'llt)' ,t I III .\1 'I I ^ l)dllUlllllllll'llhr Nlllc \\,.11 tit' III klllllllllllllt'l .hl~
Sfllllll) '\~lI'l'l1ll'lll In 111h1tltllll III 1111 Ih(' Il~hh 1I"IIICIIII'IIIl'\ III a \fl'\lIt'lt Illlll)
Illh1l1 tlrI,lIt11 \\ hll II all' IIlII\hll'llulllh'1 1111' Ilnilllllll <<'ummt'lllilll 'lIdc, "I'"'' Illll
Ih'dilllll~ Iht' ~nlt' In II\' Illlmt'llllIlt'l~ Ilm~ nIIlIIHl).lhlr
,I I .\1'1'111" 1111". III HI 1'( tloill" \\ t' llIfl\ 111'1'1) 1111\ Ih'rlllllttllllllllrd III lht'
( 1lIIiIlt'lillltl!illll\1111I' 'lilli' I Ill' 11111111\\1-' n",l'l nn Ihi, N\lh' 111111'1 nllilklltllnn\l\f\
III a Illllt dt!""'11 "I 11-11!lllalt' 111 dqlllQI, \\(' IllOl\ 11'1111111:111' Ihe Ill'plHII hl'lnr~.
IUilllIlll) tllllldrl III 11,;th/l' 1111 Iht' (111l;lIl'I;l1 II \ll' lellllllHII\' tht' d\'I'II~II IllI'
(111111;111 1,1 .I1'l'll~11 1'1 :lpl'lilllhh' lil\\ 1I111\ II'llllllt Ihnt \l.f Illlflll't' ~111l\1:lllliill
111'11.11111'\ 1111 Ih.. I-,nll 1"lhlll.II\..1
<t} '\1111111 ~1111l III ('Oil ^IIIL'\I \\.. lIlil\ 11'11'''11' ~1I11 III .tlIHIUlrllhl'
( 'llllalfl "I In ill III illl'a\"llllhl~ (1111\\'1111'111 I'I;II"C \It Ilt'li~'1li1lt'
"I 1'1 i\1 Illil HII'()'\"I....SItIN II \1l\IIII"I.llIllH'wlnlhr ('\\lIah'/;11 IpUl,
\\1'111.1\ lill r P'''\I''',lIl/111III, \Iith "' '\llll1"IlII"~allll"U'" III alrlllll.ml'(' \\Jih b\l.
'1111 aUlll1'llfl" 11..1" 1'1';ul',II,11 1'1111'1111"'1\ ;111\ 1"1'1111'1'1 \\"'lllh,'( '"lInll'III 111011 hr
\, II III II I,,, I III 1'111 I' - ,., "I I ,. ~ 11l.~ 1"1'" \.. II I II .1II11 II' 1I111 I III I! I I
,It 1\l.I.....d...lllltll'll"'I"l.\lll~\'lt"I()It^ld Wt'llln)d\;lll~I'\"tl
1II1III',l\nll,lilk I'lplllet'\ 11l1l'llll"W'\lHI' !IilllllHllhllll ",!".Hln.I, \tnlllli! allll wtlll1'
Ih~ I IIlIalt'llti \lll,'llr 11\ Ihq ill I' ;1110\\\'" h\ lil\\
,,~ '.\1 I Ill' n III A I fit ,'\1 \\ l' Illil) \1'11. il\\lrlllll 111'11\\'1 Illr <<'011.111"1..1 ill
.11111'11111111' "uhlil !'II'II\,llr \ilk\ \\t' \1111 ~I\~' \1111 Il'illllllllhlt-ll11tllT III I Ill' Illnt'
IIIl1I plaiT III 'alt- \\1' 111:1\ 1'1111 il"'I'llll' t I1ILllrlill nllhal ':lll'.lll'I' III ,1I1~ rqllllllhh-
III IITilllll!hllll . Illtll \ IIll i1"l\ h,l\ I' ill I hll nILtlt'I.t1 \\'1' \I III 1I1'l'h Ihl' 1"1111 nh III
\.111'111 q In 1111I nl'rllw\ !tllll Ihl'lI IIllhl' \lllll\ I Ill' HUI In\\\1 11\"', Ilnllll\ \1,ll' \'1'
\\llIl'il\ 11lI\ \1I11'1l1\ III \ PlI II a llltlll\ \111111\\1'1111111\, lit.. 111111 111\1'1,11111 ( 11'111'111"1
mil" P'\\ II hlll\
Ntlflt I 01 "/lIl"t'" /I ( 11/ fllf 1\ \/111\' I
I hI' '-,1~1It'1"t "t Ihl\ ",""It hl'llh\ lil~('I'llllllilf ihalItIUtlllt'I('IIIIIItI' 11I'l1lalll I' 111\ t'I;I~t' ,1!1l1 III ~II'llp 1II1I1I atllllrlll .11111 hI ,lllh IlL'UliIlUt't'lllt'I;l~1 "III Ill: ;1111111' ill,lr I"
1111\ '~1I11' II \11 IIl;tlhd 11111111 1111111 lit UIlINulr 'lid tBth '"th IYl'f CIII;II\I'lilllt' \\111 ht' \1,11111'11 h\ Iht'lll\III,llltt'llllllll;llI~ llulllnl I hl\ mltllulIU', 'lIhln'llnuH~'IlI,IIIU' h\
Ihr IIIHIIII 1111 1'1 ~ nuh I h(' r('l.llllhl \i}!lHllllhr IrllUtll rllllllCh 111\UI11I1~'I' I he \Il1lnlilll 01. ";II ~I' I' tIl,lil;IIl'1111II rill'h I) I t' III ~ Il,ttil 11l\\lIIIlIU' In I1\' flllll'hll\l'll -1 Ill' In III
lit III\' IIl'lIlillU I'" ilt I 11111111111. I;ll "llht' Illllr Ihr ilttlthh'llllt"~ I\, 1111 11111111111111 I Ill' 1I,i11' 11"'11 '11111 1IIIh lilt! 11',11'1 I Ill,lIl1t' ( lI,urn.lI( III~', .11;111'1 lIllll \\illl'\I'IIt" IIlIlhl'
IIIII!IIl..I\1 hl'lllllfll 11111111111\ ,1,111' nllhl'lllllfhltllllt'tI '\uhl"\1 II' illll'I'I,llIll h\ IIIl" 111""11,111,1" 1t1\l'l 111.1 1\' III< II 1\111 h~ .tlli'\,lIllllllhl'ltI\llltol,khlllH'1 illfHI1H .Itl
UIIlI\IlI.llltl' 1I1111\" 1IIIh ,IIHI!I'1I1tllhr H1\Ull&lUl' Inlhr 1,\.1111111'11'1',1111\1111 "I Ihl lIhhhlldl"\'-_ .11, 1''''lt ..1111\111;11111' 111,111'1'\ \\111 hi' 11I,lI11' 11111'11' .luI
111""1,','1 1.1I 1'101"" 1'\ 111.11..1,. I '1-1
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.
. MORH;Am:
Octo\l~t"2J . 91 ,IllY V. 5tnll~ "n<l 5nrll V. Stone
TillS f\.tORTGAGE, dated,... "" I.. "........,...,.... I 19....,. ,It MI"'trn YUII, ..' ."...............,................ ......... I....
II.. ....... ........ to .,... II..... .1...... .,........,...... ,.,.. fflldln, II ,...,......,......... 0..............., to,.,...................
,..~~,~..~?,I~~.~, ,~~,~, ,~?,~~,! ..?~~,l, ~,~!~!, Y~:.., ,I.?~! !.~,........,..",... ,Ih. I'<non 0' "monlll,nln. II 'MD,II'I"'" below, .nd U',
OIU\STOWN nANK
I lhe "Mort.'Ift."
MORTOAOED r1l1!MISES: VDU mDrl...., .,ul.nd 'DnWy 10 ullhe ",.ml",ID<llrd .1:
.... IO"...'...,......... H~~'~' .I:~t,t~~. .~~~. .~~~.~...."....".....,.. ..,........."...,.",......,.....,....., ".,... ......,.... I
. St'rtl
North Middleton .' Cumherlnud I' I I (h"" I "
i"" ,.., 'WI"'ll.lIIdIl.lU~V.l.v.\' ,., ." ,I, ,."" 'l....................... .nDlY Vln., ..... I'''........... ...."..".. I. ,.m"",
'Dwnlhl"/,^,,,~fU\IIII1\lPo I: :Dunly 11I0<11'10. .011'10.
. , Cumberland
A 1...1 duc.I"IIDn of Ih. V..ml...I. conl.lnrd 1.lh. d..d h~ which you acqlllr.d Ih. I IOml..., which 1.,ecD,d.d allh. .".."."",.,.,."""""..
CDunlY Omcefo,lh. RecD,dln. Dr n..d.,ln Ilffd hook,..... .?t...,...,., ,on 1'.,<(.) .. n~.....,......,. ,1.. V.rcel Nllmbe,(o, Dlh.r Unlfo,m
l'arcclldenlinu,1r Iny).......,......,..... ot, 0 Irrhcchd, oRlhe ftVfrtulde. lht I'rcmilu Includcullbulldlnlund nthcrlmplovcmenU nown, Iller
on Ihe I',cmlm and any riahu (II {nlutlll ..hlet. derive horn your Dwnenhlr. Uit or ronculon of Ihe I'rcmllu.
LOAN, Th. MOIt.a.. wllll<<UIe our loan 10 .""" ,~I\Y, ,V,... M,q\I.~. .'l\I!l. .&\IX(I. ,Y.,. .&t!?l\ll."......"...,.....,..,.."..,.....""..
,
(Wh.lh.. on. Dr more "erlDn.ull.d th."nD"Dw"',lnlh. p,lnclp.l.mDllnlolS. A '1,,9.1~., p.~,...., plll.lnl..... .ndco'I', IlIrlwhlchlh. nOlfDW" mu..
"p.y .eco'di;,ID a nolO or .,'rtmenl(lh. 'NDIO' d.l.a .. .\1,0, 1!1\I!J r, ,?l..,....,... , 19 9.1.... ,11,1, MD'I...e ..ill.I.D IOCUIO Ih. p"fD,mln..
or all of DOffOWU" rromlulln Ihe Nott, &II of your f'rombrtln Ihl. Mortl'lt, and anyutcnslonl, 'cnc,....II, amend menU or other modlnnllon. of the Note.
OWNlRSIIIV, VDU .,.Ih. .01. Dwn.fi.) 01 Ih. P"ml.... VDU h.velhe 1...1 ,I.hl 10 MOrl.'I' Ir In UI.
T AXf.St You \li'i11l1ly.1I Rlle"'lf lut" &Udlmtnll, ...In rhlr~el.nd .ewer fenls fflllinaln the Premilu when they hecomedue. You "Ill not claim In)' credit
on, or make deduction hom,lhf lOin btcaule you "ay Ihue IUeland charlu. You will provide UI wilh proof of payment upon ,equest.
MAINUNANCE: VDU will m.inl.ln Ih. bulldl.a(')on Ih.I'IOmlr"ln ,0Dd cDndilion. \'ou will nDI m.k. m.jD' chln~"ln Ih. hulldlna(l) ...."I lor nDrm.1
, ..."alll VDU will nol I'" Ih. buildlna(.) down wllhDUI fillll.llln. our con'onl. Vou w,lI nDI ul.lh. l'IOml",III'.llIy 0' rDr hlr..
, INSURANCE, VDU will k.."lh. bulI~lna<ll oft tho rttml...lnlU...d .1 all tlm.. "lln'IID" hy fir., nDod .nd any Dlh.r h....d. w. m.y lpeclly, VDU may ChDDI'
. Ih.lnJUl.nce cDm"any, bul your choke II.ubJIt110 oU' ".,Dn.hl. ."",oval, Th. "Dlrd" mu.1 he fn,.llu"lh..mDunl. .nd Ih.llme ".riDd. Ih.1 w..".clly,
VDU will del,verlD u. u"Dn DU' ,.qu.llht rD1ld" D. Dlh" "rDDr ollh. Inlur.nce 1\1, pDlid" mUll n.m. UI11 IDII'''.Y'', 11111 mnnllhll... wlll,...lv.
~ . . ".ym.nl on IlIlnluranee c1nlml,ID lilt nltnl Dr ou, Inlm,l und.,lhI. MOII.I.., helolC ynu II mUllllrD p,Dvid.lh.1 w. h. &lv.n nDII",lhan 10 d.y. "rio,
. . '" written notice of tny (anCtllallon Of tittbtllon In tOW,.,e, for IIny rellon, Ur.on requnl, you Ihall delh'f' the roUelu, [frtlncales or other evidence of Inlurance
10 uI.ln Ihe nent of Iou or dam1le to Ihe f'fflnllu, you will imMlcdillrly notify ulln wlitlnR Ind file a "roof of Iou with the Inlunr. We ml)' me a proof of 1011 on
yout behllf If ~ou fail or rdule lodo 10. We may allo Il,n your nlme to In)' check, drart or olher order for the plymenl of 100urlncf prOCffdlln the nent of 1011 or
dlm1le 10 the Plemllfl. h'Vtf recclve paymenl of I claim, Wf will pcrrnll )'ou tn use the money to .eplllr thcdamlaf, but onl)' If we reuonably believe the inlurance
I1rocttdl arc Idequate for Ihll rurrnu, Olherwlat, tic will ule IhC' money 10 ,cduce "hll the norrower owel on Ihr Nolt.
SECURITV INTt:REST, I'DU wlll]Dln ..lth ull~ .llnlnland filin,docul1I.nlllnd,.1 your ..p.n.., in dDln. ..h...", w. b.lI", II n"'".'y In "..fOCi I"d
continue relfecltd our leculity Intcrclt In tht rrtmlifl.
YOUR AlIlIlORITY TO 'IStH you rail 10 rrtform you, ohligllinn, undtr thll MOII,aRr, we mil)', ir Wf ChOlllt, rtlrUl111 your "bli,lllons and rlY luch cmtJ
and ekpenlfl. We wlllldd the amounU wc .dvln~ In the lumllhe Unrrower OWCI on Ihe Nule, on which ~t impole Inlcftll IS provided lnthe Nole.lfyou faillo
honor ynur promllulo mainllin inlurance In errecI, or In ray n1ing ftn, tAUI or Ihe cmll orcflury 10 hCJ1lhe I'.cmilelln ,ood condillon Ind rcpllr, we mlY, Ir
wechoolt, adunce anYlurn. yourromlletop.y and ohlllnrrrllrtmtl1llnlu,ance. IInwe\'fr, Iny rrplartrnent lrllu,ance we obtllntocoVt'llouOl dlm_geto Ihc
Premhu may ht Iimltedlo In Imounl not.tuter thin ...hll the fJmrnwef nwCI nn the Nolr. An)' amnunt we advance on )'0\11 bchllf will be Iddtd to Iht bllanre
of Ihe NOlc on which wtlmpolt Flnln<< ehlr,CI It thc ^nnuII"rtrenl.~e Rite of tht Nott, Our paymtnll on your hthalfwlll nol cure ynul failu,e In perform
your rroOlilflln thil Mort,lat.
HAt.E 0.' r'UMISL&;1 You will nol Ie II, tnnlfer "'""tnhl,,, MOItRI@:t or othuwile di!pult o( the l're",I'fI,10 ,,'holr 01 In rlfl, wlthoUI ou, pfiol wtitlen
conlfnl.
INSr[ClIONI You will rermil Ullo inlJ't'tt the l'rtmilcl.' .ny rUlnnahle tintt.
NO I,OSS Of RUanS: TIle Note Ind Ihll Moltllle may be ntBolllled or auisntt! hy III wilhnut relelllns any of you III lhe I'rrrnllel. We 11111)' Idd or rclt'le
In)' ptuon or properly obli,lled undcr Ihe Nolc Ind Ihit MOH.'at wilhoutlolinR our ,ightslo Ihe ('remllcl.
DEFAUI.T: Addautl under the Nole II I def.ull undu Ihll Mort"le. In addilinn, )'Ollf bihlfe 10 peffmm)'our ohli~allurllln thll Mortalle Of undrr any othtr
Mottllac on the Pre miles is I default under thll Mortlllc. If any dtllull occUlI, wc rln (olcdole upnn Ihll Moftllse, 1 hil munllhll we c8n auanse fOf tht
V,.m I" 10 he lold, al r,ovid.d by 1...,ln n.d" to "'y DfI..hlllh. no"nwet 0.... on th. NoI.. If Ih. mnn.y w. IOctive hnm Ih. ..1.1. not enDuRh 10 ".y 011 ..h.1
Ihe norrow~, OWtI, you will nol owe ullhe difluence unleu )'ou .Iso Illncd the NOlt Ila Horluwtf. In addillon, we lI1"y{l) tnlet nn and like pOlltSllnn or Ihe
rremhn; (II) leut Ind colltcllhe 'tnlal paymenll, Indudlo, o\'cltlue rtnlal plymtnts. tlirrrll)' frn", Itnlnll; (iii) ",.Ol~r Ihe PIl':lRlul; Ind (Iv) 11,0, cancelllld
chinle lelln. Wc may 1""ly Iny plrt of Ihe rcnlAI plymtnllln PlY lun, Iht (llIlI nf fulltrllng renlal paymtnlllnd of rnnnlgiollhc I',emlln and In reduce any
Imounll nwinl untler Ihe Nnlt and undu Ihll Morl,l.e,ln Iny nrdrr Ihal ",.t thnmt
WAI\'UIS: Irwcdtdlrc adtr.ull undcr tllla Mnrl,.St, yulI....i\.t )'11I11 ,iRhllarilillJt IIntlrl all'11luliumrnl,lllYlnd utlTl"llonllwl, Thut ,ighllnllly(i)bc for
your brntfil or IfUef i (Ii) Iimillht Imollnl you owe Ullo Iht "rortrdl of the ..Ic of Iht l'rtOlll('l; (iii) elfrn,,1 thc l'remiul, or rlrt of the prorfcdl of 1IIIIIe, horn
attachmtnt,ltvy or IIle undtr utrutlon; or (lV)j,OVidt fOf a illY or uccullon or (Jther IlIoeell
BINIIIN(; nn:CT: linllllh.lloIlDW.' hll ".1 Ih. No" inlull,lh. ",ovllionlollhll MOIla.,...11I h. hiodill,Dn you nnd all lulu,. Dwnm And I."aoll nl Ih.
Vr.ml",. 1 hi. Mo,la'I.I. rDr Oil' b.n,OI.nd 10' Ih. hen.nlol .nlon. 10 ~hDm"" OIly ."I,n It. lI"on "aym.nlln 11111 nl llIlhallh.llo"ow" n"', Ul,lhil
Morllllt and Oil' righll in Iht I'rcnlistllhlll fnd . ,...
(iF.NJ:RAI',1 Wr rln Vl'livt III dell)'tnforclnl IflY of our IIlhtl untltllhh Mortl:i,t ",ilhllulllllinl: thtm An)' wllvtf hy In nl any provlllonol thil MOr1Jtllt y,i11
::;'::I~""" Hr.th~l.or .1l1.0'h~' P'O::'I~~.O~,',~Y, nlh" nec.,inn ISJAI) (l";il~r'(.. . ,.::,~. .. (p:-::- ".."
~jl;il'I'a;'r"""'" ",..."" ," ....,1:(." (sF-At) . YI,I:r~:~ ,Q/(~r','..( CSIAI.)
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flANt nN\tIM'llflRM r^ Il)lIUlu 4/U) bOOK 1 (Ja~ I'A(,[ 488 I,' :.: 111111 I " 1)11 _1"1 ,,~w HNliIlMI" 'il ~\'III.INI
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" ,I' IlESCRlrTloN OI1IIRt:MISES
, , (Inattt,apednc dmrlptlon oll'rcmhu, If nrmsary,)
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cOMMONWEAl.Ttl OF rr.NNSVLVANIA N ~ l~ ' ~
I , . r V\ '~"~Il..". II, ~ ~ III :.!
COUNTY OF .""".'f.:r~(\t'l-, 1..........('...... I 0 101
. " ,..,: ,'ll ' oWb
BE IT REMEMBEREtI. Ih.1 on Ihll ,": .~:.:?...., d.y 01 .. ..... ......... ,~.r.'"...... 19,~ .1.. I><I0re m., I NOI"r.,r."~)jF,,~,1 Ih.
"'1";"1'\111 ~_..l C II '\...L .,...'",05'1\',"/'1(.
Comnlon....Uh oIPchh,ylvanl.. rtt1onl\IY'I~~~.~"", ,;, ....J. ~I,J.. ,V.. ,o.n.u" .-".J.P.\': A", V..., ,~~~ ~..~\\~~;,:: !:li\
who I.m ..tI,Oed II/lit Ihel"'non('r*mtd Ih ~tcl"ho ut<lll.d Ihe within Mortala., .od Ih...opoo he/,Ile/lh.y .ckoowledB<1 Jl1i.t1r'y 'i.nJ~' ,
...Ied Ind d.llvered Ill. ..me or I vol I.ry lei Ind dIed, 101 Ihe u.e. .nd porpolft up",..d the MOI\l..e, a ' "
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. he,tlly Ihlllh. whhin named t.tollnlAol!lll': h~'.'..... ,QM~,'\'ll,Iffi, MNl!........,........,....,....,........,..,.. ::',:, , I'
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....... ..1.. ..... K~!1g.Ji .... ....'.1.1'11 IApJ!~)IP,Q\I.laL..,..........., ,C"1J11Vlr.llw!\.............." ,I.. ,1725J,..,.."..
Sire. ,/ <.:Iy/ Monltlrllhy COllnly zip Cod.
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f.J",' 'I 'INt' .Illry Polk
LIJtI." , 'v, , 'ill ~U1 r.'.'lJ!lly
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f Deeds
"11 _ I" bOOK 1 O:J4- rAr.[ 4-99
IIANCOH!UUU. tnRfr.4 rA IM1Rn 4iUl
.
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.
MORn;AIO':
" (' r. d Octobct ~3 19 9' I I. ,IllY \', elll'''l
TillS fl' ORT .AG ., d.lt ..........,..... "..........,.. ...... I lrlYtrrn )'llU. .., ..... If. .........."..............."...
.......,.......,. .,t...' .,.."..,..... .'111.1...'..."........, fflldln..' ,....,.,...........,......"......,..... ,.. I...'.......... 'Ot I
).~~, ':9!!1;l~. ~~~J~. Mo." .q~,~'.~~A\'l". ,~\l,'", ,I.~P,'~""..,...,.""""", ,Ih. r",on '" 1"1I0nlll.nln... "MolI...o,"btlow, .nd UI,
ORRSTOWN DANK
I lhe "MOI1.'Ift."
MORTO^OElJ rREMISES: You "'U1t..... ,'Inllnd ,onv.y 10 u'lh. r"mlltllotll.d .1:
........'" ..,.. ...... ....I,~i!.~..~~':';'o(~AIIl,Il\J.'I~......"..,..., ,....""...."""...,.,....,....."..,..,. ..,...... ........, ...."
51...1
t"~~'~~' J~!~g.':'ll.,~,;,:..,......" ,~!1l/lh~,~ 1.11\1.'1.,..."..,..", I'.oo'ylvonl., ' ,." \.11........'..... '\.. ',.." (Ih. """011,,,,,
ownlhlr/,^~J&lU\Wl\'At,( COtonlY ",ou no. .01 no.
, ' , Climber! nnd
A 1e.11 descnptlon of Ihe fltnd.flll contained In the deed by ",'hlth )'OU Icqulltd tht Iltnllln. which I, ftcOlded '1lhe ,.."...",.."...,."""",.
Counly om" ror Ih. "<<o,dln. of lJ<<dl,ln Ilt.d "00\ .... ^, A\l.."..", "no l'oJ'(I) "," J11."""..", . 1..1'11,.1 Numbu (0' nlhullollo,m
r.rulldentiOn. if any)"""..",....,..., or. 0 Ifcheded, on Iht fe...tllt Ilde 1 lie I'ftlninlIncludelaU hulldinl,.nd olhef ImpfovrlTlenllnowofl.tef
on Ihe "femlnl and any flAhll otlnlUttU which dulve flOm )'our ownellhip. un or rum..i"n uf the "'tmiln.
LOAN, Tb, Mo".ol' wlll..,u..ou, 1.'0 10 .."l,ay.. v.., ,Sl.one. ,onu, ,SlIrll, ,V.. ,StUll<'.,...,....,.""""... ........,.".."", .....
(whether one or mUle renOlu caUed Ihe ""ollmnr").ln Ihe principalamounl of S . .'! fl, ~ ? ~ ~,~ ~. ~ . . . , '. plul inlell~11 and rOlli, all of whkh Iht nOfllJ~er mUll
rtray .ctordin'llo I nole or 'Ireemenl (Ihe "Nolt") dlltd ,. .Q~~. ~~~l,J~ r. ,?4",. "...... . 19 .,~ .J.., .1 hll MOIIgI,t will .ho lecurt tht rufOfmlnce
of III of OOllowrr" rromilft In Iht Nole,all of your pfomlsnln Ihis MOlllllt, .ntl.o)' ultnsinns, ftnc.....als.anttndmenll or olher mtJdificlltlon. of Iht Nott.
OWNERSlllr, You 1ft th, 101, ownujl) or Ih. r"ml.... You h...lh, I'J.lriihllo MOIli'J' illo III.
T AX~1 You will pay an rulr.lalt laltt, uUllmthll, '\'tlrr chaflellnd lewer rtnll rrlatinllo the I'lenthc. ",hen Ihey btrome dut. You will nol claim any rrtdil
on. or m.ke deduction from, Iht loan bec,ule you rlY Ihtst luft lOll chlllrl. "1'011 will r,o...ide tit wilh ploof of paymtnl upon requtst
MAINTENANCEl You will malnlaln Ihe bulldln&(l) on lht rftmiln In lood condilion. You will nnl hlah hlljor chloptlln Iht huildin&(l)u('"tpl for normal
rtra1rs, You will not lelr Ihe building(l) down ....ilhoul fiuI gelling our ('onunt You \\ill nul mt Ihe Pltmisn illegally 0' fnr hirr.
INSURANl'[1 You will keepthr building(l) on lht rrrmiltl insured al aUlimrs againsllosl lIy fire, 110nd and any olhtl huardl Wt may Irecil)'. You m'y choo\t
Ihe Inlurancr company, bUI your cllolte it luhjecl toour rUlon,hle approval, lhe ruliriel mull hr for at Itatllhe anlounlland Iht lime rerlndslhal we Irecify,
You ~i11 dtlivtr to u. upon our requ~t the roHete. Of olher proof ollht Insulance. 1 he polieiu mutl n.me UI aslon-rayee, Thll munl that we will rective
(laymenl on allln'Ufance c1llml,lo lh~ ntent 01 our Intertlt under lhit MtlIlga~r, hdnre )'0\1 It muS! als" rrcwldt that we he Ii\'en nolltlllhlln 10 d.y. rrinr
. wrilttn nolict of Iny clnctllation or feUucllon In ('overalt, fM any rtAson. tlpon ,equell, )'Illllhllll (Ieli...tllhe poliein, reltincatu or olhel cvldence of Inlunnrt
10 uI,ln Ihe tnnl ()f 1011 ordlmage to Ihe I'remlul, you will immedialely nolify tll in ..uiling Anti file I pronf ollon wilh the Insurtr. We nllY lilt II proof of 101l11n
)'our behllf H you fall or rdule to do 10. We mlY alia II In your nlme 10 Iny check, draft or olher mdrr forlhr ra)'ment olinlurlnce I"ocrtdlln lhe Hrnl ollolllJr
dlmllt 10 the rremllel. II we lereln pI,menl of Idalm, we will prrmlt you to \Ut the 1Tl1111ry lultrail the d.ml.e, but only H we ItlsonlMy belit\'e Ihe Insullnce
rrocef'dllft ade-quatt fOllllil pUf(Hlle. Olherwilt, we will mr Ihr nUllitY In ftllurt "hallht Itnllo\o\er ll\\n on Ihe Nult
SF-CUR IT\' INTERESTI You willjoln wllh ulln .I.nlnland filinll documenu Ind, 'I)'IHIl upeolt, In dnin. whate\'tl we helltvt II necenary In rtlftrllnd
conllnue perfrcltd our Itc11lily inltrrllln the "rtmlltl.
YOUR AUlIlORITV TO "SIH )'011 lalllo perform YOUlllhlillalillnt urUltllhil MOII~nl!t, wr may"f WU'hlllllt. pelf 01", yuur nhlilalinl1l Blld p'Y'\Ich COlli
Indurenltl, We wlllldd Ihe Imouoll we Id...ancetolhtlUITUlht I\nllo\o\'el o\\tlnn lhr Nulr, nn ....hkh wr lmfllllt InWulas rrnvidrd In Ihe Nule.H)'nu lailln
honnr your promlltllo mlinllin Insurance In rrrKtt or In pay lilin, 'eel, IUtl f}f lilt clUlI nrcr..ary 10 htr Ihe (tltmltu In Mood cnndillonlnd ItPlit, wr may, If
Wt choost, .d....nce Iny lum\ you rWlIlitt 10 pay Ind oblain ferllcrmenl insuranl't, lIu\o\nel,ln)'leplartl11tntlnturanct Wt obtain to co...er Iou ur dlmlge 10 Iht
",tmiltl mayht limited 10 In Imounl nol ~Iulrr Ihln whlllhe UUllnwtlll\\U on lhr Nlllr Any al1lllllnt wt.d....nce nn )'oUI behall\\iIlhe Idt'td lothe hatlnce
of the Nnle on which we Imrott Finance Challtllllhe Anntllll'uftll1lllr Rllt (If thr Nntr Our rA)'lIIenll 011 your hthllll ",HI nol rUle YOUI 'lIilurr 10 (Itflor",
)'OUI prnlllhuIn Ihil MOItlllle.
SAI..: Of; It"f:~tlS.:S: You will nollelltlnnlfef ownellhir. MnrlAalt or nlhefwhr tli'ptllt nl Ihe Pltl11lstl, In "hole or in palt, \lr'hhllut Hut r'iOl wrhlrn
conltnl
INSn:CTIUNI "1'011 will ptrmil UI 10 InSrecllhe I'ftmisn II an)' Itasonahle lime
NO toss OF RIGIITS: The Nule Ind Ihil Mort'llt mlY ht neltlltllled Of ISllltnrd by in "ithlltltlrlrasinf:lny of )'011 nr tht I',rmilrl We fillY adtt Of rdeate
Iny penon or prorrrly ohligattd undrrlht Nolt and Ihll Morlglgt wilhoullnsing flUl II~hh inlhr 11ltll\lstl, I
IH:FAlIl.TI Addault undtltht Nolt is I drllull undrrlhil Morl~IlRr In Idtlilion, YUllllailUlt In Ilel(tlIl11 ~Oll' nhlilllllinnllnlhh MUlIItIl~enr IIndrr ,llIyolher
Mortlllt olllhe ",emistt ill deflult under Ihlt Motl'l~e If IOY dellOlt (}l'cun, \\e rAIIIllIechl5t urnn Ihil Moftltlgr, 'Ilis meanlth.t \\t can arrlngr IOf Iht
Pre mile. to be .oldlll (llovhled hy law, In ordu In ray off whal tht Uolrnwer own on the Nnle, If the lIumr)' wt lectin fru", Iht talt II not rnough 10 pay olf what
Ihe nor rower OWeI, you \\'iIl not owe Ullht di(felenct unleu you .lto lignrd Iht Nnle ftS allnfltlwrr. IlIl\ddiliun, "'e mlY (i) tlllel on .nd tlke pnutlllun of Ihe
I'mnlse.; (ii) lelse Ind collert lht rtol.1 plymtnll, Induding oyerdue renlll raymenl~, tlirt'flly Illlllllenanll; (iB) mlnlle Ihe Ilrernilu; Iml (h) lign, cllunlant!
change lealll, Wt may "rrl) Iny rart ollht rtnlal paymtnts In ray IIlH', Iht [lISIIOI l'nllfflinR renlal rnymenllllnd nf managing Ihe 11rtll1hu And 10 redllct IllY
Inlounll owinl under the Note lod undu this Morillgr, in any Offlt' thll we I'llumr
WAIVF.RS: ItWt ~ecl~ft ~ddlulI unduthl. Ml'It1,IIf, you ft'ah'e YllllllighU I\fhing undtr III BIIIII Ilimnfllt, Itay Ind utl1l(llinn IIWI. Illrst riRhll mly(i)bt Inl
your brndilllf Irlrd;(li) hmlllhr Inl0\lllt you OWfultolhe rlonedloflhe nit ollhe I'lel1lisrl,(iii)rltmrl the 1'lemlltS, (II rill of the ~Iocerlh ollllllle,hum
IlIlchmenl, levy Uf ..Ie undrr uerullnn; of (IVlj'fO\'ide for a illY of utcutlon lIIulher 11IUft"
8INI~IN(i l:H"U:ll lInlil the IhlflII.... rr hat rll Iht Nole In full, the rlcwiliol1\Hlthh MllIlltAf.t \0\ ill ht hilldill8 onyou Alld .1I11I11I1e lI\o\'lIell And Iroanll ullllt
rrtmllfl. 1 hil MOII,IKr II fnr OUl tttl1eOt Ind for Ihe "fnenl of an~ont In ..hnlll \lot nll)' luiRR II. I'run ply!"rnt In (ull olllllhll tht 1I1II11l1lo'rl OWfl tII, thit
Mnrt.llte III1tI nm li,hl' in the 1lltfl1i~rl shill rnd .' \
(a:NUtAI..I We nn \Io'li\tC'il drl.y rnfordnlloy of nur ri,hlllllltlellhil MUllltlgt \o\ilhnullllsiup; Ihel11 All)' v,ai\lf hy ,i. 01 In)' rlll\'i'inntlllhl~ MUlIFltlte will
ont h. · \Vllm of 'h., 0' '''y o'htr p,ovllinn 00 '''y oIl", on ""<11 \ I..l,: "c~,..,<-'~-' _,.
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(Inlert Iperlne demlptlon III J'rellllsn.1f neumry,)
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AU, T1IAT CERTAIN
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COMMONWEAI.TII OF rENNSYI.vANIA I
COUNTY OF .:..,0,9.-.l).'(,\.i.6.'.,~;.',...!,: It,
BE IT REMEMBERED,th.1 on 1~1I'..:,;,?,3..... d.y or ......O~,-h.f.r.."... 19.9,/. htrn" m... Nnt.ry "ublle or Ih.
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who I 1m 1It1.fi,d 11/." Ih, ('<l1on(l) Ilm.d In.nd who ",eul,d Ih. wit In 1010'1.1.', Ind thereuron h./rh,/th,y ICknoWI'd~f~~.INJ"illllh.y !,I.~~\.
...Icd Ind d.livertd th. urn. It. volu tll)' ~ct.nd deed, ror th, um .nd rurroIU nr'?)1"'d nth. Mnr!II?2r" l~ "f,__ "" ,. '. -'~.li
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Su" C Iy/Munlclplllty Counly Z r Cod.
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Counly of Cumborlllnd
Recorded In the olllcll fm Iho
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II/Tltb Book 01 _..:::.
wlHIflSS my hllnd ~f\(1 r!,"1 of
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ORRSTOWN BANK
IMPORTANT NOTICE OF HOMEOWNERS'
EMERGENCV.MORTGAGE ASSISTANCE ACT OF 1983
i '-I'
,
DATE: May 18. 1994
~CQ)~~
RE: Account 1113-19002
TO: Jay Stone
1528 Newvlllo Rd,
Carlisle, PA 17013
From: Orrstown Bank.
PO Box 250 '
Shlppensburg, PA 17257
.
Your mortgage Is In serious del au It becouse you havelalled to pay prompllY
Installments 01 principal and Interest, as required, lor a period 01 at least slxIy
(60) days, The total smountthat you now owe Is $3,960,00. That sum is bro.
ken down as lollows: Principal: $3,341,96 Inlerest:$613,04
and Late Charges:$5,QO,
Your mortgage Is also In delaultlor the following reasons:
You may be eligible lor financial assistance that will preventloreclosure on
your mortgage If you comply with the provisions of Ihe Homeowners'
Emergency Mortgage Assistance Act of 1983 (the "Act"). You may be eligible
lor emergency temporary assistance II your delault has been caused by circum.
stances beyond you/conlrol, and If you meet the eligibility requlremenls 01 the
Act as determined by the Pennsylvania Housing Finance Agency, Please read
all 01 tbls notice, 1\ contains an explanation 01 your rights"
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days form the date of this notice, During that time you
have the right \0 arrange a "face-to-lace" meeting with a representative olthlo
lender, or with a consumer credit counseling agency, The purpose ollhat meel.
Ing Is 10 allemptto work out a repayment plan, or to otherwise seltle your delln.
quency, Ib.lll.me.e1Jngjnulli.ccurJnJhe nextlb!r1yj;ro)Jjay.s.,
If you allend a lace-to-lace meeting with Ihls lender or a consumer credll
counseling agel ICY Identified In this notice, no lurther proceeding In mortgage
loreclosure may take place lor thirty (:10) daya aller the dale ollhat meeting,
1'0 flOX 250
.
SItIPPI IJSIll!nO,PA Inri'
.
111.(/171 "12011~
Page 2
Notloe of Homeowners' Emergenoy
Mortgage Asslslance Aot of 1983
The name, address end lelephone number of our representative Is:
Anita L. Kepner
Orrslown Bank
PO Box 260
Shlppensburg, PA 17267
Telephone 1/717.530.2631
The name (s) and address (es) of (a) designated consumer oredlt counsel.
Ing aganoy (Ies) Is (are) listed In Appendix A. Ills only necessary to sohedule
one face'lo.faoe meetln'g. You should advise this lender Immediately of your
Intentions.
If you have tried and are unable to resolve Ihls problem at or aller your face.
to.face meeting, you may apply for financial assistance from Homeowners'
Emergency Assistance Fund. In order to do this, you must fill out, sign and file
a completed Homeowners' Emergency Assistance Application with the
Pennsylvania Housing Finance Agency. The consumer credit counseling
agency will assist you In filling out your application. 11lllll&l~lIed or post.
_ed. within thirty (30) day.s..m-y.ourJace.:1o.face meeting,
You may either mall your application to the Pennsylvania Housing Finance
Agency, or you may lIIe II at the oHlces of one of the designated consumer credo
It counseling agencies listed In the appendix.
The Pennsylvania Housing Finance Agency Is located at: 2101 North Front
St., PO Box 8029, Harrisburg, PA 17105. Telephone 1/ 717.780-3800 or 800-
342.2397 (Toll Free Number).
An application for assistance may be obtained from a consumer credit coun-
seling agency, or directly from the Pennsylvania Housing Finance Agency.
Ills extrelllillyJrnportanUhaLYO.llJlIeY01JLAAWlcallQQJH.QlIlP1ly"Jf you do nm
do so. .orJLyou do no1JoUowJheotheL1lrneperloduilUllllI1lnJblflJetter.loIe.:
Closu fe rnayJ2IQceedJlgalnslyourJ1Q[illtJmrnildlalilly,
Available funds for emergency mortgage assistance are very limited. They
will be disbursed by the agenr.y under the eligibility crl1erla established by the
Act.
"1-'-- III
,
, '
APPENDIX A
YMCA OF CARLISLE
301 G. Street
Carlisle, PA 17013
717.243.3818
Fax 11717.243.3948
Pam L1nel Rosemary HuH
Cumberland, Franklin, and Perry Counties
URBAN LEAGUE OF METROPOLITAN HARRISBURG
25 N, Front Street
Harrisburg, PA 17101
717.234.5925
Fax 11717.232.4925
Kelly Stone
Cumberland, Dauphin, and Perry Counties
FINANCIAL COUNSELING SERVICE OF WAYNESBORO
31 W. 3rd Street
Waynesboro, PA 17268
717.762.3285
Natalie Newcomer
Adams, Cumberland, Franklin. Fullon, and Perry Counties
CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PA INC.
2000 L1nglestown Rd,
Harrisburg, PA 17102
717-541.1757
Adams, Cumberland, Dauphin, Perry and York Counlles
AMERICAN RED CROSS-HANOVER CHAPTER
529 Carlisle Street
Hanover, PA 17331
717-637.3768
Fax 11717-637-3294
Stephanie Calp
Adams, Franklin, and York Counties
II F_]1l
,
.
iJ~-'~
ORRStOWNHANK
IMPORTANT NOTICE or- HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT Or- 1983
DATE: May 18, 1994
RE: Account #13-19002
TO: Sara Slone
350 Longs Gap Rd,
Carlisle, PA 17013
From: Orrstown Bank
PO Box 250
Shlppensburg, PA 17257
Your mortgage Is In serious default because you have failed to pay promptly
Installments of principal and Interest, as required, for a period of at least sixty
(60) days. The total amount that you now owe Is $ 3.960,00, That sum Is bro-
ken down as follows: Prlnclpal:$3,341.96Interes\:$613,04
and Late Charges: $5.00.
Your mortgage Is also In default for the foltowlng reasons:
You may be eligible for financial assistance that will prevent foreclosure on
your mortgage If you comply with the provisions of the Homeowners'
Emergency Mortgage Assistance Act of 1983 (the "Act"), You may be eligible
for emergency temporary assistance If your default has bean caused by circum-
stances beyond your control, and If you meet the eligibility requirements of the
Act as determined by the Pennsylvania Housing Finance Agency. Please read
all of this notice, II contains an explanation of YmlLIlghls,
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days form the date of this notice, During that time you
have the right to arrange a "face-to-face" meeting with a representative of Ihls
lender, or with a consumer credit counseling agency. The purpose of Ihat meet-
ing Is to attempt to work out a repayment pion, or to otherwise settle your delin-
quency, That meeting must occur In the rmUlJJr1yj30) day~
If you attend a face-to-face meeting with this lender or a consumer credit
counseling agency Identified In this notice, no further proceeding In mortgage
foreclosure may take place for thirty (30) days after the dale of that meellng.
PO 1l0X ~!IO
!lllllll'l't'!;(JIIIH" P^ ";lIll
1::.:llilli I 111;11
III ('1'1',:1:'1\11.'
Page 2
Notice 01 Homeowners' Emergency
Mortgage Assistance Act 01 1983
The name, address and telephone number of our representallve Is:
Anlla L. Kepner
Ortstown Bank
PO Box 250
5hlppensburg, PA 17257
Telephone 11717-530-2631
The n8me (8) and address (es) of (a) deslgnaled consumer credll counsel-
Ing agency (Ies) Is (are) listed In Appendix A It Is 0, Ily necessary 10 schedule
one lace-to-face meellng. You should advise this lender Immediately of your
Intentions.
If you have tried and are unable 10 resolve Ihls problem at or aller your face-
to-lace meeting, you may apply lor financial assistance from Homeowners'
Emergency Assistance Fund. In order to do this, you musl fill out, sign and file
a completed Homeowners' Emergency Assistance Application with Ihe
Pennsylvania Housing Finance Agency. The consumer credit counseling
agency will assist you In filling oul your application. lLmu.sLbeJiled or poal:
r:narklld, wllhln thlrlYJIiOLuay.a-ol-YQlJrJace:lo:1acluIUllllklQ,
You may either mail your application to Ihe Pennsylvania Housing Finance
Agancy, or you may file II allhe offices of one of the deslgnaled consumer cred-
It counseling agencies IIsled In Ihe appendix.
The Pennsylvania Housing Finance Agency Is located al: 2101 North Fronl
St., PO Box 8029, Harrisburg, PA 17105. Telephone It 717-780.3800 or 800-
342-2397 (Toll Free Number).
An applicallon lor assistance may be obtained from a consumer credll COUll-
saling agency, or dlreclly lrom the Pennsylvania Housing Finance Agency.
lUll.exlllllllely Jmpollalllll1al you HIe your appJJc.aUonprolJ1p\ly,_ll-youdoJ1Q1
UUO,IDy.oUJJOJ1oUollowJhe olher lime perlOUSJiel 101111 JnlhisJe1lllLlor.e:
cloauuunaYj;l[OCllllUOualllsl your home JmmedJaleJy,
Available funds for erneruency rnorlgaue assistance nre very IImlled. They
will be dlsbursod by tho agency under the eligibility clllerlo established by the
Act.
Ill; 1"
.
, "
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IMT/'. OF NO'l'Il'/'.: MlIl'ch 2~, 1'/'/,\
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Ill' llul'n) IlII YIlIII' plllpel'ly ItH'III"11 III 1~() 1.II111(n 0111' HI!. ,'111'11111"
III IN SEHICJlIS IIFFAIII,'/' I,oclllllle YIIIIJIII.VO 11111 mllllc Ihr. mUlllhly
"IIYf11CII~IIIlf.$'J/IH,75 fill' Ihc 1IIl1l1lh/lllr Fl'hllllll'V 111111 MIII('h,
TIll! 101111 1111I'''"11 lillII' 1'1 "1'1i I I,ll III ('1I1l' Ilrlll ,1"rl\ull, III III lIlhl'l
wOl'oIs Ill't (,lIlIght III' III ,V II II I I'"YllIl'lIln lit' Ill' the lilliI' III llli:; 1,,11,,1
Is $1,<J77,~(),
YmLm/lY. I:IIl'e Ihls 1101111111 wlthl" TI!lItTY III\Y:; III thc.II"II! III
thin l.eUIl!'. by ,,"yllI/l III 1111 Ihc IIhllvu IImuIII11 plull III1Y 1I11<11tllllllll
paymcllts IInd IlIlu Chlll'/l~1I whleh mllY fllll,tlue dllrilln Ihlll "erllll!.
IlIICh "IIYlllelll 1II111l1 hl' 11111111' I'llher lIy ('lIllh, (,lIshll'I"s dw('k,
cel'tlfil:1I t:lll!ck Ill' IIIl1l1l'Y 111'111'1' 11111111' lit Ihe 1.1I1'1l1l11 ^I'I'lIl1e 111111'(' III
Ilh I I'''l' II n 1111 I'll. I'A,
If you IIl1 IIl11 1'1111' Ih" 111011111/1 wllhlll TIIlllTY flAYS, wu IlIlellll
tll uxe!'cl!IU 11111' Ilnht 10 "cet'lullllc Ihu IIIl1ltl\lI/\I: ""YlIlI!lIlll, Till"
1111'1111:' Ihlll \\hlltl'l'l'l i." ,1\\'111,: lIlI lhl' lIlI,dlllll II 1I1l1l1 II I 1,," 1'0\\'I'd \\'j II
hI' I'lIl1nlllel'l',l lillI' IIIIIIII'IIIIIII'I.\' IIlId .\'1111 IIII1Y 10sl' thl' l'IllIlIl'l' 10 "".\'
off the ol'iRllIlI1 1II0llllllll" III 1II11111hly IIISIIIIIIIII'IIIIl, II IIlII
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I\'lln!II!l!Lllllellll III !nl!lrucl lIur "HIIJIICYII III Illllrt II IIIWllull III
fUreCltl/lO Y,I!llLIIIOIIRRne!l IIrll'lClly...1 f thll IIIl1rl/\/IAc III fllrl!cIOllllll,
Yllur lIIonl\lIl\ell",ollcrly will hI! /illltl hy thc II hili I II LOIIIIY ofr till:
morll\lIl\u .de~L. IJ WI' I'dI'I )'our ell111' tll OUI nttolll",I'11. hut .l'OU
1'1111' Ihl' IIerllull 11"'"1" 1I11'Y III'"ill It'/1111 1''''''''1'11111,'" ",,"II1HI .1'011,
~'llll will hlll'l' 10 1I11~' t hi' I ('II HlllIlIlII " II t tOllll')":I 11'1";' 111'1 UIIII ,.
1111'11"1',1, Ill' III 1,"0,00, 11011'1'1'1'1'. II 11',ull 1''''''I'I'd I II,,:; 1111' "11I111'd
IInlllllHI YlllI, Y"II 11'11\ hlll'l' to I'll)' 1111' 1'1"1:111111111'" '1'1'11 "1'1'11 If thl'.\'
1111' OVI'I $'>lJ,OO, AII,I' 111101111',1":; r",'r; will Ill' nddl'd 111 Whllll'\'I'1
Villi 1111'1' IIH, wllll'lI 111".1' III:w 1IIl'lu.\" Oil' 1I'II"oUIIIIII' I'IIHI:;. If YIlU
curc Ihe .dcfllull wllhllJ Ihe TIIIHTY DAY lieI' 11111, YOII will IIl1t hc
rellllll'CII.to III1Y lit Llllllcy'll leell.
We IIII1Y IIIHlI HilI' 1I"l'sOIlIlIl)' Jo, thl' IIUIIIII,1 flllll,'ll'lIl 111111111"1'
IIl111 1111 IIlhl'r SUIII'; IIul' UII,II'I thl' 11111111\111(1',
"YlIU 11111'1' IIllt "III I'd Ihl' dl'llIull wllhlll thl' Ihill,l' d/ll'
/"'lllId 1111.1 1111' ""1"'10"'"1' I'llIl'l'l'dlll,,:; hlll'l' 11"1'1111, YlIU IILIII hllVI'
IIII! Ill\hl Lo CUll! IIII! Ilelllull 1I11c1I1IIlVI'1I1 IIII! 1I/11u III III1.V IIl1w UII
to II I II! hou, hl!lllll! Ihl' IIl1ullII'1I /llllu, YIIU mllY Ilu 1111 hy flllyllIl\
I Ill! 101111 Illl1uulIl III Iho II II flll III 1II11111hly ,'"ymelllll "lUll IIIIY IlIle III
IIthel dlllll\ell Ihllll ,hll!. /Ill wid I /III Ihe rC/lllllllllhlu IIILllllluy'll leell
1.:-:1111)11 111111
1'1) IH J) ;"111
';1111'1'1 II' l!llItl i I'^ t ;:",'
"
III (il:\I,1 '1,111
.
!lllll. {:.lInJII_.!=JH1f1Qclll!1 ..Wllh I I Ill. rl!lCCllHl\!LIl..I!1!J!l.Jlflll ."JH~[Qn11-oflY
p,I."P.L_r.o.!lllJJ:Qfl1llllltl,__l!fltlor..lII1Lfl1.QJ'.lIl!lllc. II Is eAlllllnlel1 Ihot Ihe
cArllcRI dAlc Ihlll such A she....ln's Hole coulll he held woulll he
opproxlmnlcly AI'rll 2~, 1'194, A 1I01lce of thl' dnte of Ihl)
shl'rlrr's sllll1 will he Renl tll )'OU h"fore Ihe ARle. of CllUJ'Re,
lh" Rllluunt neelled to cun, the IIcfnult will IllcrcIIs!' lhc Iungcr )'nu
wnlt. You mny IInd llnl nl nn.v 111111' l'xoctly whnt the rcqulred
I'A)'II1"nl will hc hy cnllln!! lhe fnllowlng nUlllhers (717)~~1l-,2(j1i4 llll
(717)~J2-(,114, EXT 1i1i4, , ThlA I'nYIIll'nl lIIullI he In rnllh, c'nAhll'r'
chcck, ccrltrl,," chl'ck 01' II1nney IHder nllll IIIAde I'lIynhle tll us nt
thc nlhlrc/1I1 IItAt1'11 hclowl
OnRlnwn IInllk
1'0 Ilox 2S11
Shll'I'cnllhurl!, PA 172~7
Vou shoulll Icnll7.C Ihnl n shcrrlrr'R RAle will
ownership of Ihc IIIlJl'lgngl1d propclty IInll your right III
It. If you conllnuc 10.llve In Ihl' I'ropcrty nftcl the
IInlc, A InwAul1 l'ould h" IItRrlcd 10 cI'ld )'ou,
clld )'lInl
rCllln III In
Ilherlff'R
You hnvc ndlllllnnlll lightll 10 help plllll'cl YllUI illlercsl III
I hc I'l'ol'c rl y, YOII IIAVE TilE III nllT TO SELL '1'111'. PIIIlI'EIITY TO OIlT^, II
MONEY TO PAY 01'1' TilE MOllTClMIE IJI\IIT, Oil 1I01l1l0W FI!OM ANIlTIIEIl I.ENIlINt1
INS1'I1TION TO PAY IlFF YOIIIl flEIIT, YIlII MAY IIAVE TilE 1l1t1I1T TO HELL Oil
THANSFf.1l TilE (1IHII'f'IlTY Hllll.lEcT TO '1'111'. ~fOHTt1Allr. TO A 1IlJ\'f.1l 011
TIlANHFliflEE WIIO WILL MiSIIME TilE MllIlTllM1/\ DEnT PIlOVIIlEIl TIIAT ALL TilE
OtJTSTANfll Nn PAYMENTS, I'IIMWES. AND ATTOIlNIW':1 FEES AND COST:1 AilE
PAIl> PIlIOIl TO Oil AT TilE SALE. ANI! TIIAT TilE OTIIEIl IIEl}lIlIlJ\MENTS
IINf)EII '1'111\ MOHTOAl1E AnI'. SATI SF I Ell, CONTACT lI:1 To IlETEHMI NE IINflEIl
WIIAT ('lIlClIMSTANn,s '1'111:1 I!lOIIT ~lIllllT EXIST, YOII IIAVE '1'111'. IlJOIIT Tll
IIAVI\ TillS DEFAULT CI1IlEl! BY ANY TlIlIlIl PAIlTY ACT! Nil ON YOIIll IIEIIALF,
1 LY.!l.JL'!;!liJJ lh.lLll!tf/IUJJ,lltll._!1\!!LlA!lAlJ wi II hc rcslurcd .J!! .Jhc
S!lmJL/lQ!lJUmL!lIl..JLJl!!.ctcf!!Ull hflll.llcc,!!,cd. IIl1wevcr, ,VIlU nrc nlll
entltlcd III lhlll rlRhl 10 curc yuur defRul1 IIIllrl' lhnl1 Ihrcc 111II1'~
In I1I1Y cnlclHlnr yenr.
Slnccrcly,
OIl1lHTOWN "AN" OF
'I ~IIIPI'I~NS/,"rl
( {I ~ 0 r~ -'tit II I J
Alliin I., Kcpr/cr
en II cc lllr
~ 7119- 994 -859
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Inll6wlng 1.,vl~1l ./tb~~ "'tl' 'J :
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IP I 3D Il~ .'I.~fP/'
tU'.OI'Oo'_'JU DOMESTIC RETURN REC IPT
..
1 7'1'1 '1'111 8 ','1
~ Receipt for .
~:, i4L ~,~~,~~!.~~~n ~~:,I.~n P..",;j.,t
~:[."n:n ()n 1l011l!O tm 'nlp''''''Iol,,,1 MRII
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-NtH I T1l1JTTI1'lTr.NT 1 rlN--n,l'I1R r.n:nsrr- Mnrrmlltlr-
.
TO: SlIrn 1i1'"H'
Jl^TE OF NOllCE: Mllrch 2~, 111'14
The MOlll'OMIE held by llrrRloWIl Illlllk (hl'rell1l1ller cnlled \Ve, 1111
or ours) Oil YOllr property locnl,,,1 III 152h Newville lilt. Clllllnlo
Iii IN IiElllOtJli IJI~F^ULT ~!l!:l1ufle yml hllYIl flul PlIIIIIl Ihll .l11ll11lhly
III!Ym\!!L~JL!tL.$~Ij(l,"S_L'H._lJl\t f1\ol,lh/LPf Fehrullry 111111 MIIll'h.
Th" lolli' IImUUl1t 110W reqlllrecl 10 cure Ihlfl tlt'fllull. III III 1111""
wortlR ~el CIIlIllhl Ill' III your 1J/IYI1II!IIII1 1111 01 II", lIlli" III I hlR It'lll!!
Is $1.!I77.5lJ.
Y_<!lun!U'..J':UJ".1 hJl1,_JI\!J 11\1 Il\\'l III III TII!HTV _,/flY:; of the .dn Ie III
lIll!! lll.UIH:_ \!YI'IIY.! n/ltl!Ufl I he. nlH1Yc lanlllllllt ,"un nl1Y IHh11l1u111l1
IlPcymolltlLI!'ld JIIIIl chflqW/I.whldl mllY fnll clue tlurll1/1 Ihl/l per I III I.
Such Ilnymenl mil II I he mllde ellller hy "1I"h, clllllllcr'/I cht."k,
cerllfled check III' l1Ioney orller m/Hle III Ihe LUrl\lI11 ^Velllll' Ilflle!' III
Shl(1(1enshul'I~, P^,
If you dll IIllt CUre Ihe cldnult wlthlll 'I'IfIHTI' Il^YIi, Wc.IHIIlIIII
J!LjJ~c.r-,,:lf!Q__o)lr rll\!l1 ..l!I..!IC"lllllrllle..lhll IIl1nt/11I1l1l I1llym,,"tR. '1'111"
mellllR Ihnl whlllcvl!r I" mV11l1\ 1111 Ihe 11111\111111 limn II 11 I "nIIIlIY('11 will
he clllIslderell lIul1, Il11l1lt'lIlnl('l)' nl\ll you I11n,v IIHIC Ihl' ..hlllll'l' In 1'".1
II f f I he u r I Rill n I nilII'I It II It e I II 1111111 I h I ,I' IliA t /I I 11111'11 In, I f III I I
pnymelll of the /1111011111 of Ilelllull IA 1101 111/\11.. wllhill 'I'llIllTV 1l^Y11.
!!.11 ...J!L/H.! ..Jnl.!ul!! . J!,-JJH!~ r !l.~J (III I' . II U!lOWY II J o. III II rl . n 11If//lllll In
19.L\l.!l.lp/!.\LY.!I.!lLnrorlnRIlIl.lt ProJll!rly, __ JJ Iho morl/lnl\ll III I "rc I: IO/II!!1 ,
YJ1.!.!LI11Qx_l&!IIl.\lil..llrul1cJJY.\I' U fhp Rultl by I ho II hili I rr In I"IYO r f I hi'
J1I0f_tARA!Lllc.\!I, If we reler )'Ilur C/lRt' III 1101' 1I111l1l1l:YA, hilt )'1111
cure Ihe lIefnllll hefuro Ihey 11I'1\11I lelllll I'rllc"1'1I1111\1l nlllllll/ll ,1'011,
you will hRve 10 !lny Ihe renlHlllllh!e nltorr1l'y'n II'I'R, lIl'lunll).
Incllrrell, lip III $.,~o.()O. ll11wl:vl'r. II 11'1\/11 prlll't'I',III1!!A 1I1l' Rlllrll'd
1I1llllllSl YOII, you will hnve III I'n,\' Ihe rellnnllllhl,' 11'1'1l 1'1'1'11 II thf'.I'
lire liver $5lJ,OO, AllY nllllrll")"" 1I'l'Il will hI' nlllll'lI tll Whllll'l'l'l
you nwe Ull, wlli!h fII/lY nlllo 1III'IuIII' OUI ll'lIll0llnhll' cllsI:;, IIYnll
J<.\lLIL.lIJ\l.J1\llMU.\\'Uh1n..Jhc.TIIIRTY.)JhY Jlllllud, yuuwlll 11111 Ill!
gYl!! reJLLlLJI!lY II IIJJ.lJley.' ,I !ellll,
,
We lIIlIY 111110 IIUe perRlllIlIlI)' Illr thl' IIIIPIIIII pI 111(' 1 pll I hllllllll'l'
1I11t! nil olhl'r "umn ,llIe 1I11l111r Ihl' lilliI' I Il"!!" ,
If you hllvl' nlll Cllrl'tI thl' Ileflllllt wllhlll Ihl' Ihlll.\' tI II ,I'
perloll 111\11 tire Inl'l'cllI/llltll pnln't'dlng" h/lvl' hl'l!lIII, you 111111 hll~('
JJI\l._J!nhLJ9cllrulJllLIIQfRIIII!IJul.llrllvenl Ihe flllle IIIIIIIY llmll 1111
Jll._Q!!Il..hIHlI'.hpfllrll.Jho.Jlherlff'l\lllllrl, Villi IIII1Y (hI fill hy IIlIyIII/\
Ihe lutlll IImllU1I1 IIf. Iho.unJlRld 11111111hly JlIIYlilelll1l 1111111 III1Y Inll! II'
ulhllr ChllrAc8.lhllll .rluo., .1111. Willi 1111 the rllllllOl1l1hlrl IIltullley'lI IlHlU
1::-:1111 II It III
I' (I flUX ;'!,II
~i1ll1llllll';IH IIIiL I'^ 1/,'1,/
11111111'01'1<111
"
/Ifill ....~llJ'.~fl ...l;l1llfl!ll; ~ !H! .. w HII ..~ II!! fm Ill: I!UI U [lJ . /llll e R!I!I .nerr Q!"m ..ll'IY
!l1JIllr_fjlJl\.IJrjJ/1\!lH~/L.!!lIl!!l.(.jhll.m!)J'!IHH\!l. IliA 1'I111111111cII lhnl Ihl'
dn,..llesl IInle Ihlll Auch n Rhe....lff's sllle 1'1111111 Ill' helll wllultI Ill'
.,,jPP"llxlmnlelY Api'll 25, 1'1'14, A f10llce III thl' tlnle Ilf thl'
. IIherlff's IInle will he Relit III )'011 IId'lIre tIll! :'<1,11', Or COIlr/H'.
Ihe nllluulIl lIeellt'tI III cll..e Ihe tlernull wi II IlIcn'IIRI! thl! 101lRI!" .1'011
wnlt. VIlU IIIny rllltl 11111 nl nllY IllIIe eXllcll,\' whnl the re'lulrl'tI
pn YIIII! II I will hI' h,v 1'1111111/\ Ihe 10110wII1/\ 1I11111111'11l (7171~,llI..],(ih4 Oil
(717)~.12-(j114, I:XT (j(j4. ThlR plIYlllell1 mURt he III CIIRh, ('nRhlel'
check, cerllffctl check IIr mlllleY o..der nlltlmntll' pnynhle III IIR nl
the n.IMesR RllltUtl helllwl
OnsluwlI Bnllk
PO Bnx 250
Shlppellshu..s, PA 17257
Vou Rhuul.1 ..onl17,e Ihnl n Rhe....1 fr'lI Rnle will
oWllershlp nf IlIe murtgssell p..ope..ly nllll YIIU.. dRill tll
It. If Y\lU COllllllue 10 lIve III Iho p..operly nfle.. Ihe
snlel n InwRul1 cuuld he Rlnrled 10 evlcl YIlU,
Vou hnvo ntlllllltiflnl ..IShlll In help p..olect you.. 11I1.....eRI III
lhe prllpe..ly, VOl! IIAVE TilE 1110111' TO SELL TilE 1'1l0l'EIlTV TO onTAIN
MONEV TO PAV OFF TilE MOItTOAOE 11ImT, all BOIIIIOW Fllll~' ANoTIIElI I.ENIJ 1 Nil
INSTII'J'ION TO PAV 01'1' VOUlI IJEIIT. YOII MAY IIAVE TilE 1110111' TO SELL oft
TIIANSFEII TlII\ I'I\oPEIlTY SIJIIJECT TO TilE MOIITIIAIIE TO A III1YI\II I1Il
'J'11 AN S I'I\R 1\1\ WIIO WILL ASSIIME TilE MOII'l'IIAOE DlmT PIIOV IIl1m TIIAT AU '1'111\
OIlTSTANIJ I Nil PAYMENTS, CIIAIlOl\B, ANn ATTOIlNEY' S FEES ANIJ COSTS AIlE
P^"1 1'111011 TO nil AT TilE HALE, AN/) TIIAT TilE O'J'IIf.R IIEQlJIRF.Ml\NTS
UNDlm TilE MOIITOAOE AilE IlAT 1 SF I Ell. CONTACT IIIl TO IlETl\IIM 1 NE UNDER
WIIAT CIIlCUMIlT^N(',\S TillS 1110111' MIOIIT EXIST. VOIlIIAVf. TIIl\ IItollT '10
II^VI\ TillS IJErMJL~' CIlIIEll IIY ANY TlIlIlIl "AIITY A1TINO ON YOlIll IIEIIA!.F.
JL.Y..lliL C!!J.JLJ.h.!L!l!!1l!.Yl.tJ. I he mnLl&./JIUL.wlJ I J!!lf.lIB t!!f.Q.!Lt!l. J he
I!lIm!LJ1QlIWJlJl-j\{L1L..Jl!Lll!J.fII\l.1L.IJ!11lJl_PPYHUL lIoweve.., YllU n..o nlll
enlllled 10 111IR rlRhl 10 curo you.. defnult mure IlInn lI\ree 1I1111'R
III nllY cnlendn.. Y~ftr.
entl you r
relllnl n In
sherlff's
Sincerely,
OllRSTOWN HANK 01'
SIIll'I'EN8/JUIIO
Milia I.. Kepner
Co 11 DC lor
7.799-994-860
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HI'I ~ Receipt lor
'\111 I - Ce~lfled Mall
'. No In,ulInce COvlllllge ProvIded
411!"'~n Uo flel ut" fOI lnlflfllftlionll Mill
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