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WILLIAM G. ROWE
and MARY LOU ROWE
P1aintilTh
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
:No.
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant
: CIVIL ACTION
: JURY TRIAL DEMANDED
CO~PLAINT
1. Plaintiffs William G. Rowe and MBIY Lou Rowe are adult mlllTied individuals,
who reside at 211 Old Stone House Road, Carlisle, Cumberlnnd County, PelUlSylvWlia, 17013.
2. Defendant Dollar Bank, Federal Savings Bank, is a bank organized under the laws
of the United States of America, and whose principal place of business is TIrree Galeway Center,
10 East, Pittsburgh, PelUlSylvania 15222.
3. On May 31, 1991, Plaintiffs were, and Ihey remain, the owners of a fee simple
estate of certain real property located al 211 Old Slone House Road, Middlesex Township,
Cumberlnnd County, more particularly described as follows:
ALL THAT CERT AlN improved, part, parcel or lracl of ground located in
Middlesex Township, CUIlIberland COWlty, PelUlSylvania, as hereinafter described, to
wi\:
BEGINNING at a point evidenced by a spike in Ihe cenlerline of Legislative Roule [now
or fonnerly] 21028, known as Old Stone House Road; Ihence North 43 degrees 26
minutes 20 seconds East, a distance of 600.61 feel 10 an iron pin; Ihence SOUUl 47
degrees 27 minutes 10 seconds East, a distance of 461,72 feel 10 an iron pin; tllence
South 12 degrees 2 minules 0 seconds Easl, a distance of670,06 feet 10 a spike in the
centerline of Township Road known as T-573 (Appalachian Drive); Ulence SOUUl 75
degrees 34 minutes 0 seconds Wesl, a distance of269.24 feel 10 a spike in the cenlerline
of the aforesaid Legislative Roule 21028 (Old Slone House Road); tllence North 46
degrees 33 minutes 40 seconds West, a distance of870,50 feet 10 a spike in Ule cenlerline
of Legislative Roule 21028 (Old Slone House Road), Ule place ofBegiJUUng.
CONTAINING therein 11.3248 acres, as evidenced by Swvey ofTIlomas Alvin Ne~
Regislered Surveyor, daled Augusl26, 1977, and known as Subclivision for Linden Hall
Fanus.
BEING Ule same premises which Dwight Roberts, single mall, et al., by Deed doled
November 7,1977, and recorded in Cwnberllllld COWlly Record Book "N," Volwne 27,
Page 264, gtBIIled Wld conveyed Wlto WiIliWlI G. Rowe IlI\d Mill)' Lou Rowe, husbWld
alld wife.
SUBJECT 10 Restrictions Wld Rights as contained in said Deed.
EXCEJYI1NG 'mEREFROM, all U\BI certain lracl oflWld conveyed by William G. Rowe
Wld Mill)' Lou Rowe to Frederick J. HugwUr Wld Gail R. HugBllir, husband IlI\d wife, by
Deed doled November 28, 1984, Wld recorded in Cwnberland COWlly Record Book "B,"
Volwne 31, Page 499, Wld being Lot No.5-A on Final Subdivision Plan prepared by
Gerritt J. Belz Assoeiates,lnc., recorded in Cwnberland COWlIy Plan Book 46, page 123.
(Hereinafter "the premises,")
4. On May 31, 1991, Plaintiffs granled Defendant a mortgage inlerest in the
premises as security for a loan ofONE HUNDRED FORTY TIiREE THOUSAND
($143,000.00) DOLLARS.
5. On May 31, 1991, the said Mortgage was recorded in the office for the recording
ofDeeds in and for Cwnberland COWlty, Pennsylvania. in Mortgage Book 1015, Page 105. A
copy ofUle recorded Mortgage is attached as "Exhibit I."
COWlt I " Fine for Neglecl- JUlY Trial
6. TIle foregoing paragmphs are incOlporaled by reference.
7. On Februwy 9,1994, Defendanl provided Plaintiffs Wld their attorney with a
notice for payolf(allached as "ExhibiI2") which specified the following address for tender of
monies Wld requesl for satisfaction: 11le Mortgage Service Center, 217 Second Street NW,
CWllon, Ohio 44702.
8, On Februlll)' 14, 1994, al Ule said CWllon, Ohio address, DefendWlt received from
Plaintiffs Ule SWlI of ONE THOUSAND EIGHTY AND 59/100 ($1,080,59) DOLLARS
(allached as "Exhibit 3"), wl amoWlt equal to Ule regular monthly mortgage payment, and as a
resull, Ule remaining principle due U\BI date was ONE HUNDRED l11IRTY-SEVEN
THOUSAND TWO HUNDRED AND 68/100 ($137,200,68) DOLLARS.
9. On Februwy 22, 1994, allhe said Canlon, Ohio address, Defendanl received from
Plainli1fs the swn oCONE HUNDRED THIRTY EIGHT THOUSAND NINE HUNDRED
ELEVEN AND 46/100 ,$138,911.46) DOl.LARS (allached as "Exhibit 4"), an wnOWlt equal to
the payoff and satisfuction calculation provided by Defendanl in Exhibil 2, which was in excess
of the principle wnowll then due.
10. TIle payment of February 22 was more thWl sufficient to pay both (1) all such swn
and swns of money as were then really due to Ule Defendwll by such Mortgage, and (2) the
TWELVE ($12.00) DOLLAR fee ofUle Recorder ofDeeds for entry ofsatisfuction on Ule
record.
11. The aforesaid paymenl was accompanied by and referenced in a written request
(attached as "Exhibil 5") thai the Defendanl enler satisfuction on the record.
12. On Febl1lhtY 22, 1994, Ule Defendant accepled Ule aforesaid payment as
represenled by Ule endorsement enlercd on Ule back of the payoff check (see Exhibit 4).
13. On March 14, 1994, the Defendanl refWlded ONE THOUSAND FORTY-NINE
AND 68/100 ($1,049,68) DOLLARS ofUle FeblllllIY 22, 1994 payment as excess over the swn
of (1) the outstanding balance on Ule deb~ and (2) the aforeslaled 1WEL VE ($12.00) DOLLAR
satisfuction fee,
14. Nolwithstanding Ule full paymenl and specific request for satisfuction, Ule
Defendant has never satisfied tIle Mortgage.
15. More Ulan forty-five (45) days have elapsed from (I) payment in full, (2) payment
ofUle TWELVE ($12.00) DOLLAR fee, Wid (3) Ule wrillen requesl of February 22,1994.
16. TIle PlalnlifTh have never received a satisfaction piece from Defendant.
17. PBIllI!I1lph 22 of Ule Mortgage provides:
Upon payment of allsWllS secured by Utis Securily Instrument, Utis Security InstJUment
BIld the estate conveyed shall ,enninale BIld become void. After such occwrence, Lender
shall discharge BIld satisfy Utis Securily Instrument without charge 10 Borrower.
Borrower shall pay BIlY recordation costs,
18. TIle Acl of May 28,1715, I Sm,L. 94, ~ 9, as llI1lended by Ule Act of October 28,
1983, P.L. 194, No. 52, ~ 1,21 P,S. ~ 681, provides:
Any mortgagee of BIlY real or personal eslales in Ule CommonwealUl, having received
full satisfaction BIld payment of all such SW1l BIld SW1lS of money as are really due to him
by such mortgage, shall, at the requesl ofUle mortgagor, enter satisfaction either upon the
margin of the record of such mortgage recorded in the said office or by means of a
satisfaction piece, which shall forever thereafter discharge, defeat, BIld release the slll1le;
BIld shall likewise bar all actions brought, or to be brought thereupon.
19. The Act of May 28,1715, I Sm.L. 94, ~ 10, as llI1lended, by the Act of July 31,
1968, P.L. 866, No. 259, ~ 1,21 P.S. ~ 682, provides:
And if such mortgagee, by himself or by his allomey, shall no\, wiUrin forty.five days
after request BIld tender made for ltis reasonable charges, relum 10 Ule said office, BIld
there make such acknowledgemenl as aforesaid, he, she or they, neglecting to do so, shall
for every such offence, forfeil BIld pay, Wllo the party or parties aggrieved, BIlY sum not
exceeding the mortgage-money, to be recovered in BIlY Court of Record in \his
CommonwealUl, by bill, complain\, or infonnation.
20. TIle premises have been subdivided BIld a portion Ulereof offered for sale, bultiUe
is nol marketable because of Ule DefendBlll's aforesaid Mortgage of record.
21. A portion ofUle premises are subject to a new Mortgage granled to Fanners Trust
Co. of Carlisle, PelUlSylvania; said Fanners Trusl Co.loBlled fWlds to PlaintilTh bosed upon the
securily of a first mortgage interesl in Ule premises, which inlerest is now Utreatened by
Defendant's failure to comply wiUI Ule Acl of May 28,1715, I Sm.L. 94, ~* 9 & 10,ll6ll11lended,
21 P.S, ** 681 & 682, insofar as Ule Defendant's W1Satislled Mortgage of record on the premises.
COWlt 2 . Quiel Title - Equity
22. The foregoing paragraphs are incorporaled by reference.
23. The Defendant claims a lien againsl tile premises adverse to Plaintiffs; the
Defendant's claim is without any righl whalever, for it has no estate, right, title,lien, or interest
whatever in or to said premises.
24. Said Mortgage is invalid and unenforceable because thtl debl it secured has been
fully paid.
25. Said Mortgage constilules a cloud on Plaintiffs' title to the premises.
WHEREFORE, William G. Rowe and Mary Lou Rowe request judgment against Dollar
Bank, Federal Savings Bank as follows:
a. Money judgment in the amount of one hWldred forty tluee thousand
(5143,000.00) dol1ars, pWSUWIt 10 tile Act of May 28,1715,1 Sm.L. 94, ~~ 9 & 10, as amended.
21 P.S. U 681 & 682, plus interest and cosls; and
b. An order directing the Recorder of Deeds to mark in tile margin of Mortgage
Book 10 IS, Page 105 that the Mortgage therein is satisfied;
c. An order quieting title 10 the premises in Plaintiffs' and against Defendant and all
persons c1aiming under Defendant, plus cosls and allomeys fees; and
c. Such otller relief the Court deems proper,
,
F derick J. I
UGANIR LA
22 West Pomfr Sir I
Carlisle, PA 17013-3216
717-249-6272
Ally.t.D.No. 30006
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ClIMMIJNWEALnI of nNNln.VAHIA lS'
C,,''''', 01 CUMBlRLANO
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C<l" eet COllY II I~III ~ , /~
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My cc:~'..Ion..... ,.Mlol*,. ~
Jlnulry "liS
Rreor.r~O'OrrlCE or TIlE
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CII:!~E.RLAIiJ ~OUNry.pA,
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",M' AMI. IN'!N I. 11M.... D"~
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TillS MOIITUMID j'BlIl:urlly In'lrumenl') II I~ ~ '3/)
1110 n~lItl'I"' I. . Will dm 0, ROllO and Mary wu Rowo
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('Borrowe,').
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1111) Socurlly In.1ru"",nll. liven 10 OOLlJlR BANK, FEDERAL SAVINGS BANK
which I, 1lI11ll1"'" 1J1~ eli,lIol un~~r Ihe 1'10' or 111E UNITED STATES OF AMERICA
.~~re>.l. 11mEE GA'l'fJ'/AY CENTER, 10 EAST, pl'rrSBURGIl, Pfl'INSYLVANIA 15222
('Len~e").
Do"""., 0"" Lcn~.r tho p,lndl'.1 .um or On9 llW1dred Fort)' Three 'I1lOusand and 00/100---------------
____n_n_n_________________________________________________------------------------'1>011.11
(U.5, S 143,000,00---------------------). 1111. ~obll. evl~eneod by Borrower'. oclo dalod Ibl UIDI dale u W.
Bocurity In,lrumonl ('Nole'), which provl~.. ro, monlhly p.ymenl', with Iho MI dehl, Ir 001 paid ..rile" due ar.d pay.ble
on Jull I, W21 , 1111. Steurity In.lrumenllClCura 10 Lenden (I)lbl rep.ymenl or
Ihe dehl evldonew hy tho Nole, wllh Inler~'I, IJ1d .11 renew.I., ul~n.lon. and modlncalloOl of lb. Nolel (b) Ibe paymeol or III othe,
OUOll, wllh Inler..I, e~vancod und~, plfllr.ph 7 10 prolcel tho lOCurily or Ihl. Steurily fn.lrumonl!llld (c) Ibe f'I,rcllllIMI of
Dnmlwe,'. ."von.nl. .n~ 'Ir""menl. Un~., Ihl. Socurily In.lnllnonl and tho Nole. Po, W. pUrpoN, Botrowet dote lImby
mortl'le, IrlllllJ1d cunvoy 10 Lcn~o' Ihe rcllowlnl deecribed prof'lrty locelod In
CUIlUlrIand CowlIY, PeIIllIylvllllal
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, and whOM
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SEE A1TJlCIfD.GOUBIT "An
which h.. Iho .~~r... or 211 Old Stonehouse Road
Carllsll
Penn'ylvlJ1l.
170lJ
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('Property A~d'lll'h
ICllyI
".,Codtl
TOOlln IIlR WITII.lllhllmprnvl"",nt. now 0' ho,..O., .rectod on the property, an~ .1I_menl., .ppurtenlJ1U1, and n.lur<<
nllw III hm.II.' . porI IIr tho prol",ty, All "'pl"o,""nl. IJ\d .ddillon. .hall.11O be cov.red by Ibl. Socurily IIlIlrumenl. All of
Iho rll"~lIln~ I. rormnllll In Ihb Socurlly In,trum.nl II tho 'Property'.
I DORROWIlR COVIlN^NTS lhol BonowOl 1.I.wMly "lied orthe ..lalo ho,.by conveyed and hu Ibl "lbllO mort"le, 1l1ll1
,---/ on~ .lInvoy Iho Pruperty 1J1~ Ih.llho Property I. unoncumbe,od, ....1'1 ro, eocumbl1l1c" or record. Borrower WIlTIl\Ia &lid wlll
dor~nd 10nCIIlly Iho 11110 10 Ihe Property eloln)t 011 cl.lf\IIllld demaadJ, .uh]cello illY eocumbl1llUl or record.
PENNSYLVANIA. .;'01. "mll. . 'onol. M..",04I1. M.. UNIFORM INITRUMINJ 101r. [1 O~ ,,"013031 lItO \
..... ,... ....... c... ..., IlllCIOlum '''' I " . &oo~ i) rA~ a 110111111
Exhibit
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AIlIIO.VJYU.IlU'i I_ "i " '.
OIIAJIlJI";,, ,
, , \~"..lllb .llIb_lt, ,\<II,,"" . , I
nlls IEcURITY INSTRUMENT comblo..llIllrol1llcovOIlIllII ror ...II~ 1IIJ'l1\ll'bl tLvllninll wlih IhlUled v.ri'llon.
bv JuriodlcIIOIlIQ COIl.IIM. I wlirUI1Il lOCurily lnllnu,,",,1 covlrilll ....1 D""",rtV'_.A ""~ll& ,'l , " . ,J
I _a;.;~,..__~ . ,..\.
.111 '" I.wllt bn.ri" y.," ~~.""\' -
UNIFORM COVBNANTS. D"lTOwcr and Lendcr covenant an~..11'1 "IOW'I 10 .0 '
I. r.)11ltnl or PrIncipal and InltlUtll'rtpaym.nllnd I.alt chlQJ" Q;,mi~rljliili.r~!!'f!lj!'it \lhen~'lh. princlp.1
or and Inlerul on Ih. debl ..Idenced by Ihl NIII. and any p"p.ymo:nl and 1.1. charau ..c<lf,r ,\119 N91~. '
2. Fundi ror Taus and huulllOct. SobJ"'IIO Ipp\i"hl.l.w Ullu I w......"f~_I..\\lI"Ill\''' ,~~~ PlY 10 I..n~"
on Ihl day ,""nlhly p.y,""nll .1. dOl on~.'lhl NIII.. onllllh. Nul. " p.l~ In rull, . .om ('Fund~tl.r"" 1~l.Y...ly I"" 1I1~
u'l..mcnl. wblch II\IY .u.ln prillllly OVI' Ihl. S<<olily In'lrun..nl U . lien "n Ih. P,ol"'''y; (h) yurly I.....hllld p"ynwnl. '"
lround ..nl. en Ih. Property, III11YI Ic) y",ly h'/.Ild 01 pllll""ly In,ol.n,. p,,,"iun,'; (d) y...ly Ih.1d in,u,,,,,<o p,.mion\>. If
II1YI (I) yUlly ,""l1a.a. In,uI.n" pI.mlonu, Ir any; ."d (0 .ny 'Ull\li p.y.hl. hy 111111"""1 III 1.<..1". In "wld.n,. wllh Ih.
plovl.lon. 01 plrllallph B, In 11.0 ullh. p.ym.nl 01 m"rt~.~o In,olan,. premium" 11.... 11"111'" "II"') '('''''IlIW \I.m.'. I..nd"
may, II any 11m., coll""l.nd huld Fond. In .n Im"onl nllll" ..,,,d Ih. m",lmom .mllunl. "nd'l "" · 1,'d,,,lIy Id,l<d m"rl~.~.
10111 may ""lohl C'" BOIIUW.I'. .",roW .m,unl und" Ih. l.d,,"1 R..I Ehlll. Sdll<m.nll'll"'.,.)o", Ad III' 1914 ", Im.nd,'d IllIm
Ilm.lu 11m.. 12 U,S,C, 5260101""1' ('RESI'A'). unl... anlllh.r I.w Ih.llpph..llllh, I'und,...h .1..... III\IIun\. II MI, I..nd..
may, .1 illY 11m., clllloclllld hol,1 Fond. In .n .muonl nol hI."..,.) Ih.I.....1 I,"IIunl, I..lld.. n..y ..111'\.11. Ih. Ilooonllll I;un~.
due on allls hull or curr~n' LIlli. anJ ((IMmahlll .:~Iin\lltll ur tl(lCnJilul':li (If rUIUh! f:M:rUW h~l1\~ III IIlh~rwi~ in '1:L:\IfJlIn~1l with
appllClblo I.w.
n.. Fond. .h.1I b. held In.n In.lilullon who.. d,pUlII. .,. In.o,..! by a I..!ml .~.ncy. In,lrum.nl.hIY, '" onllly {includina
Lender, II Lend'l I. ,"ch an In.lllolion) III In illY F..!...llIlIm.I".n Dank. len~er .h.1I apply Ih. Fund, hI p,y Ih. (;""IIIW Ii.m.,
Len~., may nul ch..W' DOllUW'1 IIlI holdlnw IIId .pplylna Ih. Fund., IIInually anllylin~ Ih, ."",IlW .""onl. 01 "lIlyinW Ih'!!""I"w
Ii.mo, unl... Lend.r P'Y' DOllowel Inl"..llln Ih. Fon~. IIId .ppIlClhl. I.w pelmil' l..nd'l 10 J1\"~' hOlh a ,h.'W" II11W"",
Lend., may r'"lul.. DOlluw.. lu PlY' Iln,'III"" chllW. 101 .n Indel"'nd.nl reol ..III. I" l'pUlllnw ...1\'1" o...d hy I..nd.. In
conn",llon wllh Ihl.loon, unle.. .ppIlClhl.l.w plllvl~.. olh.lWi.... Unl....n .~r""""'nl \h m.d, III .ppli,"hl.l.w ""lull" Inl.I..1
10 bo p.ld, Lender .h.1I noli", ''"lull.,.) lu p,y DOIIOW.' lilY Inl.I..lor ..min~,"n Ih. I'on~', DOIIOW.I .nd l..nd'l may I~I'"
In wrilinu. hnwc\fcr. Ihlll inl,:,clIt !rIh.1I t-: p.iJ IIn Ihd I;und!t. lJ.:nJ\:. .hMII ~i~" III ""nnwe', withllul dUIII:",.n IInmlillMI.'IOlIlIllliny
orlh.Fundl, Ihowlnw cI..!II. and d.hil.lo Ih. Fund'lI1d Ih. pOII'"" 1111 which ..ch d,hillolh.Fund, WI' m,d" Th.Fund. II.
pl..!a..! II .ddillonll ,""Ulily Inl .11 .unll ""'UI..! by Ihl. Seeorily In.lrum.n\.
IC Ih. Fond. h.ld by lender cae..,.) Ih. .n..unlo I"'lIillll.,.) III "" h.ld hy .pp\iClhl. Ilw. l..nd'l .h.1I acellonllll Dllllower llIl
Ihl ...... Fund. in accoldanc. wilh Ih. ''"lolr.m.nl' III IPI,\ic.hl. low. Illh. Imuunllll Ih. Fon~. h.ld hy I..nder .1 .ny 1101.1.
nOI.olfiel,nllo PlY Ih. E""uw Ii.mo whon du., Lender may '" OOII'y DOllUW.I In wlilinw. II1d, In .u,h u... DIIIIIlW.I hh.1I PlY
10 Lend., Ih. amounl ,,"".....y lu """'. up Ih, d.fici.n,y, DOlluwel .h.1I n..l.:. op Ih. d,licl.ncy in no nu,rclh""lw.lv. "..nlhly
p.ymenll, al Lender'l .011 dloc"llnn,
Upen p.ym.nlln rutl or all.unu lOCor..! by Ihlo S","rily In.!rumenl, lend., .h.1I plumplly ..Iund lu DOIIIIW.. any Fund. h,ld
by Lender. II, under pmallph 21, Lond.r .h.llacqulll 01 ..lIlh. PIIII"'I1Y, len~", pliul lolh. '''lol.lllon III ..1.111 Ih. PIIIl"'rty,
.hall .pply any Fund. held by L.nd.' al Ih. limo 01 acquloillon or ..I. a. . cI..!il ,waln.1 Ih. .um. ''''Ol..! by Ihia S"'ollly
In.INmenl.
3. Appllrallon or l'lIymtnlJ, Unl... Ippll,ablalaw provldOl nlhelWl.., .11 p.ym.nl' ree.lv..! hy I..nd., under plIIWrlph. I
II1d 2 Ih.1I bo .ppll..!: fil.I, 10 any prcp.ymenl chili" do. under lb. Nol.; "",ond, 10 .mllunl. plYlhl. und" p.'I~lIph 211hlld,
10 Inl.,..1 du.; IIIUllh, 10 plinclpll du.; .nd 1..1, 10 any 1.1. ch'IW" du. und'l Ih. NIII.,
4, CbOlJllOill.lell!i. DOllIlW" .1..11 p,y .111...., ...."m.nlo, char~.., fin.. .nd ImpUlllllln. allllhollhl, III Ih. PlIIl"'lly which
may .lIlln pllntily over Ihl. Seeollly In,lrum.nl. .n~ I..""hnld p.ym.nh ur ~lIIund renlo. II any. DnllllW.I .h.1I pay Ih,..
oblll.llon.ln Ih. nann" plnvld"') In pm~lIph 2. 11I11 nul p.id In Ihal nunnel, DIIIIUW.I .h.1I p,y Ih.m IIn 11m. du",lly In Iho
per..m ow..! p.ym.n\. DUllowel .Iioll plllmplly luml.h lu I..nder .11 nnll,.. 01 .mllonlo III I", p.id un~" Ihl. P""Wroph, II
Donow'l mak.. Ih... p.ymenl' dh"'lly. 1I01l"w" .h.1I promplly I\Iml.h 10 I..ndel ,<<elpl' evld.nclna Ih. p.ym,"",
DOllower.h.1I p,"mplly dl"hIIW. any lI.n whl,h h.. pllmily OV.I Ihl. S,",urlIY In,lrum.nl onl." \1111111"'1: ('IIWI"".ln wllllna
10 Ih. p.ymenl 01 Ih. obll~'lllIn """UI.,.) hy Ih, lI,n In . manne' ,,"Pllhl, hll..nd'l; (h) <l1II1.." in W'... 1.lIh Ih. h.n hy, III
dcl.n~1 'K.ln.1 .nllll"m.nl 01 Ih. li.n In, I.~.I p""..din~' "hi,h In Ih. l..n~"'. upinllln "1"'1.1. III pr.venllh. .nlll"'OI.nl oC
Iho \i,n; UI (c) ~ur" !rllm Ih, huld'l 01 Ih. Ii.n an aW,..nllnl ..li.I"hllY hI L.nd" ,"I"r~in.lin~ Ih. Ii.n hi Ihi, S":UI\ly
In.lrun..nl, II '..nd.r d.l.lmin.. Ih.1 .ny pllt III Ih. PIlIl"'Ily h .uhJ"'1 10 a li,n whl,h I1\iIY .1I.ln pllmily IIV" Ihh S""olily
In'lrun..nl, tender nllY Ilv. Dnll"w.r. nllllccld.nlllyinw Ih.lI.n, Ullllllwer .IIIII..Ii,ly Ih, h.n nrl,~'"n,"r 011110111 Ih. "linn.
..I IUllh abov. wilhln 10 day. 01 Ih. elvin, 01 nnli,.,
5. IIMlllld or !'roperly lruulllnct, DnrIOW.I .h.1I k..p Ih.lmp'llv.m.nl. now .11.lln8 III h"..n" "ccl..! nn Ih. PIIII"I1Y
Inlo,..! aa.in.1 lOll by Ih., h""ld, Includ..! wilhln Ih. 1.lm '''I.nd''') cllvm~.' and .ny "lh'l h.wd., Indodlnw Ih.Id. Ilr
floodinl, 1111 which '..nd" '"'Inll" In,ullnc., 11,i. InlUl.nce )liall h. IlIIlnl.ln.,.) In Ih. .l\IlIunl. .nd IUI Ih, pelilld, Ih'll..nd.r
,""ulr.., Thl In,ulan" calli" pluvldinw Ih, In,ulln,. ,h.1I h. <hn...n hy DIIIIIIW" ,"h]o<IIII I..nd,,'. Ipprllv.1 whl.h .1,,11 nlll
bo onlCllOn.bly wllld,.ld, II DUlluwer 1.11110 nlllnllln <0..1110 d...llhtld .10".., I..nd.r ""y, 1I1..lId.I'. IIplilln IIhl.ln cllvmwo
10 prol",,1 Lend."1 .IKhl' In Ih. Pluperty In ICcnrdlnc. with plllWllph 7. '
All In,ullO"poll'i.. II1d l.n.w.l. .h.1I I", .ct.pl,hl. Iu I..n~" and .halllnclod. I .I.nd.ld mllllw'~' diU"', I..n~" .h.1I
h...lhl .ilhllO hold Ihl pollel.. and ..new.lI, II Lender ''"lulr.., UOllower.h.1I ploOlplly Wlv. 11I1..n~el .11 lce.lpl' nr p.id
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~ood 0 15 lAC! Hln
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ClIMMUNwEAtrn 01 PENN.Yl.YAHIA )s.
Co',"\V 01 CUMBERLANO
I nnblll P. l11U1", ,11--. do ""Illy .
C8III'Vlhl\lh'I~~"'-'-'_~ h.~_C-
COlllcl copy II .~.... (M '7il.N
d~~~'
My Commlnlon...... ,.....,. ~
Jlnulry 1 Itl
Rroor.r~o'orrrOE or TilE
nEOOilOt.. i' ~ DEEDS
Cll:m.RLA~J ~OUNry.pA.
'91 MflY 31 nM :) ~8
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I"MI A"" ,....IN.. 11M.... OM~
1'IIIS MOIIHIMlD /'Su<:urlly In.llUmcnl') I. '~/'lt1 '3/)
1110 mllrIM"II, I. Will dm a, ROllO ond Mary Lou Rowe
,19 q I ,
1111. Socurity In.llUm,nl iI,lven 10 DOLLI\R IWIK, FEDERAL SAVIOOS BANK
('Bonowe,').
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..hlch I. ""anllL'<! 811~ ublln, un~e' Ihe I.w. or TIlE UNITED stATES OF AMERICA , and whOll
.~~....I. '1mEE GATEWAY CENrER, 10 EAST, pl'rrSBURGU, PENNSYLVANIA 15222
('Len~er').
Do"n...r ow," Lend.. Ihe prlndllll .um or Olle UundrC!d Forty Three TIlousand and 00/100---------------
------------------------------------------------------------------------------------'1>011111
(U,S. S 14J,000.00----------___________), 1111. debll.evld.nced by Bonower'l ncl. doled thl 1811I8 dol. u \hi.
Seeurily In'humcnl ('Nolo'), which provldu ro, monlhly paymenl.. ..llh thl full d.bt, Ir nol paid ",lIer, du. and payabl.
on JUl, I, ~021 . 1111. Securily Inllrumenl 8<<Urtlt 10 \.enden (I) th. nplymml 0'
Ihe ~.hl.vld,nced hy Iho NIlI., with In,.,..I, and III ren.w.I., ellen.lnn. and modlnClllonl 0' thl Naill (b) lbl paYDIIGI 0' ell other
IUfm, wllh Inler..I, ,~vanced unde, pmSflph 7 10 proloclth. lCIeurily or Ihl. &curlly In.llUmmllllld (0) lbt ",rfo_ 0'
Bnm,w.,'. cllven.nl. .nd .,rlemenl. under Ihl. Soourlly In.llUmo:nl and thl Noll. Po, thll pulJlON, IIorrowIt doeIllenlly
mn~,.,., ,rani an~ convey 10 Lende, Ihl 'ollowln, detcribed P'ope~y 1000led In
CUllWr land CoIIaIY, P_ylvllllal
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SEE ATl'llOlm.EXIIIBIT "A"
..
..hlch hu Ihl I~dre.. or 211 Old StonehoUBt Road
carllsle
Ponn.ylvanl.
1101J
IhM'1
('Propc~y Addr....)1
ICllyI
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Toor,T1WR WlTllllllhelmprnvemcnl. now or herunererecled ll111b1 prope~y, an~ IU....m.nl., IppU~enanCe.l, and fl.lu,..
now nr h.."II., I pilI II! Ihe property. All n:plae.menl. and Iddlllcn. .hall.11O be covend by thl. Securlly 1nI11U1Il<l\t. All 0'
Iho r"","ln, " rererred 10 In Ihlt Socurlly Inllrum,nl u Ihl 'Properly'.
DORROWIiR COVIiNANTS Ih.t Bonower 1.law'ully ..lied o'lbeulall hereby conveyeJ and hu th. rl,hllO mo~'I'I, ,rani
and cllnvoy Ihe Prope~y an~ Ihallhl Property I. unencumbered, I...pl ror encumbrancee 0' lOCord. 801TOW., wamnla 8Ild will
de rend I.nefllly Ih. 1111. 10 Ih. Prope~y l,eln.1 ell c1.hDl and demand.t, .uhJocllo any .,..umbl1llcet 0' neord.
PENNSYL VANIA. '''01. "mllv . Fennl. M""'Hd1. MM UNifORM IN.TRUMIN! 101" (1 or.. Fe..., aon ,/10 \
1_ ,.......... c... ", llD01 ....... 'It. , III ~oo~ i) rAt iI 1)0111111
Exhibit
1
AIlI~VJYlllmH \.. Ill', ,
UIIAJII.II' '"
, . \~.,..Illb .1101I_", .,.",.,'. " I
nlll SECURITY INSTRUMENTcolDbln.. WlllallDcovllWIlI lar DlII~ UlJIIINlilltbVlinlnl1 wllh Ihllllod variallanl
by JuritdlCllao 10 COIUlllull. unllul11llOCurily In,lnunelll covcrln,...1 DIOOIlI1V.... ""~4'" ,,' . ,J
_LO"..'..-_'IlQr'_ . 1-1\'
1111I I4lmtllo ;;;;;'v~n ~"""\' -
UNifORM COVBNANTS. BollOwe, and Lender covenanl antl.Ul'f1' n lOWl1 10 aO '
I. I'ltrmlnl 01 Princlplll.nd Inllf'lllll ,,"p.ymlnl and !.aI, II p~!!'r.nJ rat when~. Ih. principal
01 and Inle,..1 on lh. dehl evl~,ncod by Iha Nol, an~ any p"p"m<nl an~ la" chi,S" "'~.w ,\11, Nyl.~, '
2. Funds Icr Till. .nd huunlOu. SuhJocIIO applicahl. I,w 0, 10 a w......., ~_'.I\<l\1n\!''' ,~~~ pay 10 I..o~cr
D11lhe day monlhly p"y"",nll "' duo un~" lha Nole. unlillh. Nul. I, p.ld in lull, a lum ('Fund~ll.r,": (~I,Y.lllr I.... and
u....m<nl. which may '11I1n prio,lIy over Ihll S..u,i1r In.uun"nl II a Ii,n un Ih. PlUl"'''r: (h) ,...Iy I..""hold p.,m'nll d.
lrow:~ 0:01) an Ih, P,operty, II anYI (c) y..,ly h.urd d. plUl""'r i",u,.n<< p"lI\iuII\" (dl ,..lIr n..od in"",n,. p"lI\iuo". il
anJl (.) y..,lr mol1l'So 101u,an" premlunu, lIon,: Ind (I) ,or .un" p'r.hl. hr 11"",,",,, I" I...n~". in ."o,d.u1co w"h Ih.
p,ovhlon. 01 pillS "ph I, In lI,u 01 Iho p.,o"nllll n..'I~'~' in,ulan<< pIClI\iulI\', 11"...""... IIC ,,1I,d .,,""'ow II"...', I..od..
mar, al any limo, clllloclon~ hold fund. In In .00ounl nllllllel,,,,d Ih. lI\..imulI\ .00l1unl a "",I,, I", I 1<',1",lIr "I,lcd OI"'I~'I'
loan may rCillulr. rut UnnUWtlrlll:~rUW llo:lo:uunl unJ~r Ihu rl.:J~flll R':.MI EIII.I.: Sdllt.:m~nll'fl...cJUh~1i A\:I III 1914 III IIl1h.'nJ~'~ rfllm
limo 10 limo, 12 U,S,C. S 2601 ,I ""l' ('RES,,^ '). unl." anolhcr I.w 110,1 '1'1'11,,111 Ih. l'und, """ a I"", Inlllllnl. II '0, l~ndCl
PlIy, .1 any 11m', cllllocl an~ hllld I'un~. in In .00l1unl nlll h,e"c.:J Ih. I""", III\"unl, I...nd" Ill" .-III,WI, 110. In",unl or I'un~.
duo on .hl:! hl.l. of ,un.:nl dill 10J rC'hl.m.hl~ c~lin\lh:. ur t1~nJilur':ai ur rulure EM:IIIW Ilcll\!\ III 1I11lcrWIIWJ In '\.'LII,J..m'.: ~'i,h
.ppllcahle I.w.
Th. fun~) .hall he held In an In'lilollon whll" d'pmll' ,"In.u,ed hr 0 led...la~.n.y. in,lrum,nlolllr, "' enlily (indudinl
Len~er, II Len~.r 1.luch an In.lilolinn) 01 In anr fed...lllllm, Lo.n Dink, I.<n~" .h.llapply Ih, Fund, h. por 110. Ii..lllw 11,11\"
Len~.' may nol ch,,~. Donllw., 10' hlll~inl.od appl,inllh, fund.. ann""lIy anolrllnllh. C""IIIW ""","nl, '" 1"IJI,inllhc li""IIIw
II.nu, unl... Lend., p'r' ollIlIlW" Inlc,c,1 on 110, Fund, .o~ .ppl""hl. IIW I"',,,,ih I..n~" III nw~. .",h "h"I', Ih,w,vCl,
Len~er may '''lol,. Oonow., III por a IIn..llm" ch"I' 101 In 10~'l"'n~cnl ,..I c.I.I. III 'cl~"IJnl """'". u""d hr I~n~" In
connecllon wlih Ihl.ln.n. unl", '1'1'1I,"hl. low plllvi~.. olh.rwi.., Unlm ,n 1I,,,,m,nl i. nUIlI. '" 'l'pl..'lhlc low '''Iui,c. inl"c.1
10 he pll~, I.<nJer .h.1l nllll.. '''lui,..! 10 p'r Donllwer anr Inl"..1 ", ..min~. on Ih. FIIOd" DllnllW" Ind I..nd" n.., 'Ir""
In wriliny, hnw.:v(r, Ih.I inl':'':hl ...lullI ~ plliJ un Ihd FunJ~, IxnJcr 11111111 ~iv~ In Unnllwcrt willlllUl Lhar.:u, .0 .nlUlll' ,\.'~'ullnllnY
ollh, Fundi, .howinl cr..!illaod d.hil. 10 1100 fun~. and Ih,po'l'o" Ill' which ..,h d,hilIII Ih. Flln~. w.. m'~', Th. fun~. II.
pled~cd II a~~lllonll "",u,i1r fill III .UI1\l '""u,..! lor 1101. S,",u,ilr In.IIUOIcnl,
IIlh. Fun~. hold by I.<n~er ,,",c.:J Ih, Inlllunl. I"'"";II..! 10 I.. h.l~ hy oppliClhl.l.w, tender .10111 ,,,"unllll Ollnllwc, Ill'
Iho e..'" fun~lln ac,o,danco wilh Ih. ''''lulrem.nll 01 IppliCllol. I.w, IIlh. Imuunl ul Ih. Fun~. h.l~ hr I..n~'. ,I .n, liOl' i.
nollumelenl10 poy Ih. Ii""ow 11.11\1 wh.n ~u" I.<nd., IIIIr '" nnll'r DllnllwCl in w,ilinl. and. in .u,1o ca,., OllnllwCl .h.1I pay
10 Len~" Ihe .mounl n"".'u,y 10 nud<e up Ih. d.lid.ncy. Donow" .halll1Ulk. up Ih" ~.lid.ncy in nil nUII.lhan Iw.lv, n..nlhly
p.ymenl', al Lendcr'. 1010 ~liC'elion,
Upon p.ymcnlln lull 01 ,1I10nu IOCUrtd by Ihl. Sccurily 10'lrum.nl, 1.<0~CI .hall plllmplly ,<Iund 10 1I0nowc, aoy fuo~. h.l~
by Lende,. II, under plllllll'h 21, Len~cllh.1I acquire or ..lIlh. p,opel1Y, I.<n~cr, prlllllolh. ocqui.lilon III ..Iu ollh. PIIIl"'l1r,
ahall .pply any fW\~1 held by Lend.' 01 lhe lime III acqulliilon 0' ..I, Ii a crcdil 'laln.1 110. luml ''''UI..! hy Ihl. S.""u,i1y
Inllnoncnl.
3. Appllatlon III ....ymlnls. UnlC\) .ppll..hlllaw p,ovl~.. olherwl.., .11 p'rm.nll ,<<dved hr ten~.r uod" pllll'"phl I
an~ 2 .hall he.ppllcd: 1i,,1. III anr prep.,m.nl ch"I" du. un~" Ih. Nllle, ""ond, III Imllunb p.,.hl. und., P"'llIph 2; Ihlrd,
10 inl.r..1 do., IIIO,lh, III principal due: In~ 11>1, 10 any 101, ch"I" duo un~c' Ih. NIII',
4, Clou'1l"'II.lml. Bonllwcr .h.llp'r .111..... I>""..m.nl.. d"Ilc" lin.. .n~ iml""ililln. oll,ibul.hl. IlIlh. PlUl""lY which
mar ,"oln p,llIrilr over Ihl. S",ulilr In,llUm,nl, .n~ 1..""hoIJ pormcn" '" I,"un~ "nil, If ,ny, onllllW" .h.1I p'r Ih...
oblli'llon) In Ih, manner p'ovl~..! In p"'llIph 2, III il nul p.i~ in 1"'111II1'"", OOllllwer .10.11 par Ih.m on 11m. dl,"'llr IlIlhe
p""'o owed p'y""nl, DOllow.r .10011 pmOll'llr luml.h In t..nJ" .11 nllll," III Im"uol. III I.. plld un~" lid. P"'I"ph, II
Donowe, mU.C1lh."parm.oll dlr",lIr, DOJlower .10.11 plll"'I"ly fuml.h 10 l..n~" ,,,,.ipl. evld,ncin~ Ih. p.rm.nb,
DOllowcllhallprompllr di",hlll' anr Ii.n whl,h h.. p,imilr IIV" Ihl. Sc<u,ilY Inhiru",.nlllnl". 1I11110W'" (.)ol,,,,.ln ;..rlllnl
10 Ihe parm.nl ul Ih, ublil.liun ",,,ur..! hr Ih. Ii.o in I OIlnn.r ,,"pl.hl. hll~n~", (hI CIInl"l. In ~..od f,,,h Ih. licn hr. III
dd.n~. '1.lnll enl"".m.nl 01 110. li.n In, 1.1.1 p""",dlOl' "hl,h In Ih, I...n~er'. upiniun ul"'"l. 10 prcv,nllh. .nlu".",.nlul
1100 Ii.n; 0' (c) 5<<ure. !rom Ih. hnl~.. 01 Ih, licn .n 'I,,,,",onl ..1i.1"llIry In l..nJ" .uIMl,dln,linl Ih. Ii,n lu Ihi. Sl:<urily
In'llUm.nl. IIl.<n~er ~,ler,"ln" Ih,l .n, 1'"'1 of Ih. P,nl"'llr i. .0hJ""110 . Ii.n "hi,h ""'y oll,in plio,il, IIVC' Ihlo S",u,ilr
In'IIU,".nl,t.n~er nuy liv, Dnlluwe,. nnl". i~'nlifylnllh. li.n, IInllo",c' .h.II..li.lr Ihc \O,n u, I.h IIn. III more IIr Ih. 1,liunl
..I 1II,Ih ahoy, wilhlo 10 d',1 01 Ih. Ilvins 01 OI,lic.,
5. lIuJI.d or Prllp<rly Insurunu. IInnower .h.1I keel' Ih. Imp,ovem.nll now e.I.lln~ III 10....11" .,o:cICll nn Ihe P'"I"'I1Y
Inlo,od as.ln'l Ion I,y I1r., hurd. Indu~..! wilhin Ih. 1"01 'e",nJ..! CUVCIII" .nd Iny ulh" h.u,d.. indu~IO' niltd. III
nuoJlns, Inl whl,h I..nd.r ''''1"1,.. In.u"n,", TIli. Inlu"n.. Ih.lIl.. nulnl.in..! In Ih. o","unlO In~ Ill' Ih. pellltd. Ih.ll.en~cr
I"'lul,.., lb, Inlu,,,,,, carrier pruvi~ln~ Ih. In.u"... .h,lIl.. ch"""n hr DOJluw" .uhjl:<l h' I...nd,,'. ol,plllv.1 ,,'hl,h .10011 nlll
be uorc.uonlbly wilhhlJl~. U Burrower r.i1. lu maintain '"'u...,.... dlllltlitMMl .buv., L.nJ..r m~)', .ll.4:""h:,', 111111110, 1I111.ln &:I)v.:r...
10 plol..ll.en~..'a ,llhl. In ,h. Pru""~r In accu,d,n,o wilh p"'llIph 1,
^lIln.~'anco pulido., .n~ ,cn.w.l. .10,111.. a"'plllol, 10 l..o~" ",d .h,lIlndo~. a II.ndard ","'11'1' d.u,." I~n~cr .h,1I
h,vllho nlhllo hul~ Ih. puUci.. and ..n.w.h, II I.<nd.. ''''lul,... oanuw" .hlllplllOll'lly live lol~nd.. ,II ''''.Iplll!' p.i~
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1''''1I11111l1~ 1111I1 l\'I\l'" III IIlIlIn:\, In ,h~' C\'\:l1llllltl"''''' Ihuttlwcr toh.n ylv.: IlfUI1I111 ""th;" III It", l"hUII"ctt unler and Lender. Lender
III:1Y 1II.IL'" 11111111111111"'''' II 1IIIIIIulI.Il: 1IIIIIII1111y "y (llIflllwcr.
"nil''''''' 1"'llIle' IIl1d 11111111","" 11lh\'l""br.IJ Il~U." ill w,Hin~, in\\lfllm:c Ilflll:l'\'lh ..hili Ill, '('Idled In rl'~tlll.Uun or r~r.1r or the
1''''I''',ly ~,'lIlilr'..J. IIlh. ,.'hll,lIl1n III '<1,,1, "\!<III1I1I11Ic,lIy 1<.,lhl. .n~ I.clI~"'1 ~""u,i1y I. nllll",.n.d. II Ih~ 1..lullllon 0'
,,,,,,,i, j, 11111 \'IIIIIIIlIli..lly 1"",lhl. IIIl.cn~<", """ulily wlluld hu I.,,,,ncd, Ih. In,u..n<. r"".cdl ,hili h~ .rrllcd 10 Ih~ .UIN lecU'..!
h)'I!.I'" Sn III i1y 111""1\11111:,,1, "hetll\:' m nllt 1111:" dUCt ",lIh .ny O\:c"A r~id III Ourrvwcr. U Dunuw.:. ,handlln. lh" P'''l'"'rty, or dot.
IIIIIIIII"W," wilh", 3U 1.111)11 . nlllh:c hlllU lA!ndcr Ihal Ih\! '"l\uranu Ullicf hl!l utrered tn tidll\1' e1lhn. lh~n Lender mAY tullect the
III'UrLlII\"l.! l'IIM'l.J!!, I xnJc' 11I11)' Uhe 111\1 11Iu~cclb 'u rt'(llllr nr ,e"hllll Illd rrupt"Y m tn ray ,urns ICCU,ed by thl" Securily
In!lolrullI\'IlI. "hdlll." III 1I1111lit'n tlu!.!, 111~ JU,dlY (l\!,huJ will hc~ln wl,,:n the nnlle" I. U1vtn.
""lr"" 1.\'11I1\" llIuJ 1I11IlIl\\iC' tllhl'''''be "~ICC in w,itlnu, In)' PII(lHcltllIl1l1l rrnecc4J~ In (l,lncl1111 "h.1I nol ulend or fH1.trnne
,h" Ju, ~ule IIllhe "'''"Ihly I1OYIII<"I. .dllled Iu In l"uI~nl'h. I .n~ 2 '" ch.n~. Ih~ .lIIl1unl ullh. r.ym.nl.. If und.r pllllllrh
1111...I""I',"ly I, ""I"I,,'~ "y I","~I", 1II1I1I1we,'"i~hl III .ny In,u"n<ul",lId<..n~ rlll<ee~'I,,"lIlnu IlIImd.mn..lnlh~ rllll"'lly
111;'11 III II,,' ""1"1"1""1 .hlllll"" III I",,,~,, h,lh. ell<,,1 "llh. 'Ulll' "<<ured hy IhiM 5""ullly In.lrumenllmmodl'I~ly p,lollo Ih.
IlUlllhillllll,
6. I"'"I"""Y' 1'.co""olluII, MulllltllulI\'e ulld l'rllll~IIIIII ur Ihe l'rllp.rIYI Dorrow.r'.I.IIun ^ppllmtlonl Lea.leholds.
"""111"" ,hull""'III'Y. I'llIhll.h. .,,~ u..lh. l'II,,,"ly II Ullllllwer', r,lndrall.,I~<n," wilhln 11.ly ~'YI .n.. Ih~ ..ecullon orlhll
~k\:u,i1y 1t1..llullh'nl amS "h..1I L:untlnu!.! h) IICCU(l)' lhe l'fUpe,l)' .. Dnrruwt,'. principII re"ldcnt'1 rm llleali' onl )'(1' dler ,hI dill
1I11h."l11I'lllh"Y, unlc"'''' l..cmJc, ullll,!'" I'.:!.! .~rcc~ In WJitinU. ""hit'h cun~en' "hlllllut he unrul'unlhly wilhhtl~, Dr unlen ealenulUn,
dhtllll\llllh\'tr.: clhl \\hi\h Ife "....)'und UlIrwWt','lll'lInlrn1. UtlfJUWl" tol\lll nntllt'slrnYI lIIIIlllCC or Impair thtt rWf'\!Jly,IUoW tho
I'llllll'lly llllh'h'rillfllh', II' l"IlIlUllil WIl..tc un Iht rfllrt'rlr, UlIrrn",er ..hall be In d~fllull U an)' rUfrtiluJ~ .ctinn or p,uc-=e~lnl, whelher
l-i\"iIIlJ l'limlnal. is IWI:\ln tlllIl in l.L:nJc,',. ~lltlJ .Iilh juJ':lUcnt eDuh.! ItlluH In rllrrtilu'l! or Iht! t'ru(lt'II)' 0' otherwise mlterially
illll1uir llil' IIl'l1l'h'nk..J lIy Ihl", S"''4'Ufily In!lolnllllcnt u, Lemle,', "....cUJilY inle'l!hl, Durruwer mlY curd Iuch . ~el"ull .n~ reln.lltc,
" I"",'ilk~ III 1"llIlr'"I,h 18, hy """in~ Ih. .<lilln III r"l<ec~in~ 1\1 he ~1'1II1".d wilh . rulln~ lbol, In Lcn~"'1 coo~ I.llh
~I'l\'llllillalillll. I",~I,,~<, 1lIllellu,. IIllh. III111uw<,'olnl.,.,lln Ih. r"'rerly 0' ulh.. mal..I.lln'I'"lrn..nlul Ih~ lI.n <'OIled by Ihll
Sl'rUlily In'''lllllh'nlll' l..en..Je,',. ti.cl:urily inlcreht, Dmwwc' "hlll.l!ill hI! In der.ulllr Durrowcr, \luring Ih" IOll1lrrllcllion rrOC'CII,
.'ilVl' lIIah'lilllly I,ll..\, !If In.ll'l-UfI"\! Inftlll1lnlilln m "llltcm....nlll 'n l..l'nJ...r (m r"iI....d tll rruvltJ(l undt'r wllh .n)' ml,,:rllllnrurn\lllon)
In l"lIl1l1\'diUI1 "ilh Ih.... hnm cvl..JclII.:l'..J hy Iht NUh=. IncluJlnc. hut nollhnlttd In, 'e(lJcliOcntallonl concerning Borrower', DCCUranc)'
ul Ih. 1""r",ly",. ",lodl'"1 '.sl~<lIe.. II Ihlo S,<ulily In,lrum.nllo on .I....ho'~, Burrow.. ~hall enmr1y wilh .lIlho rrovlllcnl
ol,h,' 1.<11<1', IIlh,"ow" utllllr.. I.. 1111. IlIlh. P,ur.,ly, Ih~ IC""lUl~ .n~ Ih~ f.. lill. oh.1I not m.'c~ unleu Lcnd~r 'U'''' 10
'h~ IIIl'rl'l" In wfilil1~,
7. 1"oll\llollor 1.1'1I~\'r'H Itl~h" III th.I'rorcrly. II Ullrrllw.. lall.III rerforrn Ih~ coven'nll.n~ .~n:.m.nl. <onlaln..! In Ihll
~"\IIi1y '',,In''"I'III. III II..". I,. k~al r,",,<~ln~ Ih,l ",ny ,I~nllicanlly .11.<1 un~.,'. .I~hl.ln Ih. r/l1r.,ty (,u.h.. a rlot...!ln.
in '1lI1l~nllllcY.I'lIlhllh.., 11Ir l'IIlU.JClIlIllllllln ur 1'1II1dluIU or hI cnhuu IIWI'" "~l:ul.llnn.), lhl.!n under may lIu .n~ rl)' for whalever
I, IIIH""'y 10 r"'kCllh< v.llI. IIr Ih. I'IIII'"ly .n~ I..n~.". ,lChlo In Ih. r'"I"'IY, I.en~o,'."lIlInl m.y Inclu~. r.ylnc IOY IUms
"'\'I"\'III,y Ilkll "hllh 11M, 1',III,i1y IIle' Ihl, 5.<",IIY In,hurnenl. 'rr..,ln~ In <ou,I, r.ylnc ,...onlbl~ .nom.YI' leu an~ .nl.rin.
"n Ih, I',""",y 10 m"ke '<I'alm, ^111,,'u~h Lcn~.' m.y Ilko "lion un~.' Ihl. rlll~lIrh 7, Len~.' does ncl havo 10 do 10,
AllY '",lIunl' ~"ho"ed hy unJ" unJ.. Ihl. rlllcnrh 1 ~h.1I b<<llm. a~~illlln.1 ~.bl cr Dorrower I<CUled by Ihll Securily
In'lron""I, Unl"NN 1I1111"w" .n~ I.,"~" '~l<. 10 "Ih., I.,ou 01 r.ym.nl, Ih.~o .mnunl.lhlll bur Inl.,..1 I,om Iho ~llo or
dj,hur,.rn<nl .llh. Nol. rulu .nd ,hili ... roy.hlt, wllh Inl.,...I, uron nolleo llIlm Lcn~.r 10 Dorrow.. ,eqo...lln, p.ymenl.
B, Morl~,,~c 1"'1""l1re. If l..n~.. lerlulr.d mnll~.c. Inlullnce u . <on~i1lon 01 mulntl,," Illln lecured by Ihll Securily
In,I,ulIIl'nl, II"HI''''"' ,hall"ay Ih. rrr",l.rn. ,.qulr.d III n..lnl.in Ih~ ",o,lc,c.lnlu'lIlce In erleel. II, Ic, any r....on, tho mOIl,.,o
In,u","\'. n,vmr' ,nl"hed by l.en~<' I"r'" III <..1.110 h.ln erl.d, Uorrower lhall r'y Ih. rr.rnloml .equl.ed 10 obllln eov...,.
,01"1",,II.lly "1"lvlIl",IIII Ih. 1II\11lr'~' In,ulln.. rl<vluUKly In .11.<1, II. <D1lluh'llnllllly equlv.l.nllo lho <011 to Borrower 01
Ih, """I~'r' 1"'U'"I1<< ",..III",ly In .1I<cI, Iolllll In .1I.m.l. ,"o,IB'C' In.u,., 'rrlovr.d by Len~.'. IIluhlllnll.llyequlv.l.nl
nlllrt.'n~c Inllllllllll'l! tll\'l'ral:~ II ml' IVlillMr, Dorro\\ier "hili rlY 10 l.endtr rach nlOnlh . Ium rqulllo one.lwelflh or Ihe )'ea,ly
nklll~"r. h,,,,,.... 1",,"lun, h<lnc r.l~ hy 1I0rrow., wh.n 1110 Inluran" eov...,. Ilrled 0' eu,ed 10 be In .rro<l. Lender will
Al"n'11t, U'-\! nmS felllin Ihes\! r:l)'Il1....nl~ a" . In~1l rC!l;l!rve in lieu or ",urtRI~e Insurlnce, Loll reserv. rlymenta may no lonler be
'.qulre~, .llh'"I,lilln or Lcn~.., II ,"oIlG'~~ 11I,ulln.o <ov"'C'lln Ih. .mounllOd ro, Ih. rerlod Ih.1 Lend., requl...) p,cvlrled
hy In 1"""eI 11'1'"IY1'tJ hy Lcn~" .~.in IWClllo.. .v.lI.hl~ IO~ II obl.ln.d. Uorrow.r IhllI r'y Ih. r,.mlulN required to INlnlaln
0\1II1~"~. h"uI.n<. In .11.<1. tIllu r'ovl~,. 10S) 1m"., unllllh. leqolr.m.nl for mOII"c.lnlullOco end. In .e<:ordIOCI whb any
wllllen .~II'eo..'nlll<lwc<n Dllllo"" '''~ Len~" or I"rllcabl. Ilw.
9. IIl'pl~llolI. un~" tIl hi .~.nl nllY Ill.ke ,ulonlbl. .nlriu uron IOd lo)recllonl 01 Ih. rrorerly. Londe. Ih.II,lvo
UII'lIIWer nlllil. .llh. 1111I. ..I 0' r110r 10 .n In'r",lInn .reel'ylnc ,...on,hl. <1010 ro, Ih. In'recllon,
10, ("lIId'11lIlUIlIlIl. 11,. r",...d. ul .ny 'WOl~ or c1llm for dams,..., dlrecl or <on..qu.nll.I, In <oMeclIIlO wllb any
,"nJ"nllallnn III "Ih., loldn, ul lilY rill 01 Ih. r'''r.,ly, Il' 10. eoovoyance In lI.u 01 <on~.mnlllcn, 010 h,"by wl,oed and Ih.1I
I.. 1"ld III l..nJ",
In 11,. .vrnl ", . I,,'allaklll' 01 Ih. r"'r'lIy, Iho r'o<:oed. Ihlll be .rrlled 10 lho lOIN leCured by thll Security Inllrumeol,
..1,,'h"1 ur ,,"I Ih,,, ,III', "i1h .oy ..""",Id 10 n""ow.,. In Ih. 0..11' 0" rull.1 toldn. orlh. Prorerly In whl<b tho fllr roa,kel
v.lu~ "I Ih~ 1'101'.,ly Inun.dl.I.ly belDl. Ih. lakln. II "'lUll to 0' "ul.r than tho amounl 01 lbo IUrIlIleCUred by lhl. Securily
100Irulnenl 1111ll1Od1.1.ly belo,o IhI lakin" uolw Dorrow.r and Leader olbOlwhe "110 II wrllln" lb, IUlIlIIICIII1CI by 1hI.
'1n,I, ""'" . ,.",,1. M,,""ddl. Mil UNIFORM INITRUMINT IIIV. 1"0
r'l..... ~OD~ 10 15 rAt[ 107 l.n Vo, tI..
, ,
"
.. "
. ,
\
. . .---...."
Secwlty IDItNlDIIltlhall be reduced by lbl I_I 01 \lI1 proceodt IIllIlIlplled by lbI ,Iollowlo. fraclloof$lllbllOIlI lmounl of Ihl
Willi MCURd Immodllllly belora Ibl 1Iklo., divided by <bllbl Iltr 11II1\&1 vllul 01 Ihl Propel1y Immedlllely bcfclI Ihl I&kln.,
MY bIIUlC11ha11 be pcld 10 Borrower. IlIlbllYtlllol I ",rilll tilln. ollbl Propel1y In wblcb Ibl f,lllllIlhl vllul of Ihl Plupel1Y
1000000011lcly belora lbl tilln.lltwlban Ibe lmounl ollbelUlIlIlCltured Immodllltly belOlllhel&klnl, unlen Donuwer end Lendtr
olbDJWlIII.ree In wrillo. or unlUI Ippllublellw olberwllO provldu, Ibe plOte...b Ihlll be Ipplled 10 Ihe ,UOll IOtUled by Ihll
Securily IlIaINIIlCllI wbelber or ocllbo IUlDllrllbeo due,
\llbe Propel1Y Illbendcocd by DOROwer, cr II, Iner oollce by Lender 10 Bonower Ihlllho condemnor offm 10 make en IWlld
or I&lIle I clllm fcr dlOlllu, Dcrrcwer filii Ic rupond 10 Lender wllhln 30 dlYI Iner Ihl d," Ihl nnlieo II alven, I..nder II
lulhorlwllo collc<1 end 'pply the plotwh, IllIa opllun, ellber 10 rworallon or "p,lr uf Ibo Plup"ly ur ID Ibe .unu """ulod by
Ibll S"urilY In.INmcnl, wbelber 01 nollbco due,
Unlen Lendor end Dorrower olb..",I.e lareolo wrillnl, eny appll"lioo of procwb 10 prlncipll.b,1I nDI o.l,nd 01 p",lpont
Ibe due dalo of lbe 1II0nlbly Plym.nll ,dm.d Ic In pllllllpba I and 2 0' ch,nae lb. ,muoDI 01 .u,b P'YIII'UII,
II. DClTOwtr Not Rclwedl Fo,hCllrontt Dy l.end" Nol I Wolnr. (J.len)lon of Ibo lilllo IIlI p'YIII.nl ur modiO"lloo of
IlIIol1lulloo of Ibe .unu lCltulcd by Ihb Sc<orlly In.IWOl.nlaranled by Lend" 10 any .u"mo, in inl",.1 uf "ulIuwer .1111\ nul
operalO Ic ..lUll lho IIlblllly of Ih. orla1nal Dorrower or DOllower'1 luct"I<"1 In InltIC.1. tend" .hlll nul b. '''lulled 10
commcoce prnceedlnllll,lnll any .ucce"o, In Inlerul cr Ido.. 10 "I.nd lillle for plYIII'nl ur olh,(Wi.. lII11d,Iy IIIIOllilJlion or
lhelunu leeu,ed by Ihil Sc<urily In.INIII.nl by rel.on nf any del1\lnd I1\Id. by Ihe orlalnll nUlluw" 0' IIUllllW,,'1 ,u",,"ollln
Inlo,ul, Any 10lburanc. by Lend" In eICrc\.lnllny ri~hl or remedy .hill nol ho I wllver 01 0' pl,dud.lhe e...ci.. of any Ilghl
or romedy.
11, SuccCSlon Ind AlIlgN Doundl Jolnl und Senrul UohllllYI Co..II"CI'1I. Tho co..n.n" ,nd ,gr",menll of Ihl) Socullly
101lNmenllhlll bind and benefillh. lucteuon and ISiI~n) of I..nder and norrower. luhj<<1III Ihu provi.ion. 01 plllUraph \1.
DCllowlr'. coveoanl. and 'Irumenll.h)1I bojoinl and ItvCIII. Any Oorrower who co..I~n'lhll S.,.;urlly In,lwm,nl bul do,," nul
ueeulllbo Noll: (Ilia cO'lllnlnllhi. Seeurily In.lwmenl only 10 mol1l.~e, Irani Ind cllnvoy Ih,l norrower'l Inler.,1 in 1101
Propel1y under Iho lernu of Ihll Seeorily In.llUm.nl, (blla nlll penun.lly ublll'led III PlY 1100 .un" ..,,,ored hy Ihi) SOl:urily
lnllwmeol; and (clllr...lhll Lender Ind any clher DClTower OlIy II''''' Ic Ulend, modify. fOlb..r III o,,~. ,ny ",cllllllnudollllna
wllh IIllId 10 Ih.l.mu of Ihll Stcllrlly In.lwnlCnl Illlh. NIII. wllhllullh,l nOIlOWer'l .IIn"nl.
13. Loin ChollllS. IlIheloan I<<U,'" by Ihll S"u,ily Inllwmenlll .ubj<<IIO . I,w "hidl 1.11 IIIllimu," In.n chlla". .nd
1b.11".11 finllly inlorpllled 10 Ihallh.lnler,,1 or olher loan ChllaOI coll"led IIr 10 be coll<<I'" In cunn<<lilln wilh Ih. loan uceed
Ih. permlll'" 110111), Ihenl (.lloy luch III In ChillI .h,ll b. ,oduced by 110. .mnunl nccmllY 10 .educe 110. chllgo 10 Iho l"'rmllled
1111I11: and lhllny 10nu Ilrudy .01lOl:led frllm DOllower which e"eeded pClllllllcd limill will h. rduodod III UlIllowor, und.r nuy
choo..lo 11llI~.lhla refund hy reducinl Ih. princip.lllwed und" Iho Nulo or hy m,~lnu I di,o;o;l paYIII.nl hi UIIIIIIW". If I ,.fund
redoC<) princlp,l, Ih. leducllon will h. U&:Iled " , p,"I'1 prep'Yllleol wllhoullny p"p,Ylllenl d"'ao under ,h. NIIIO,
_ 14. Nollces. Any nollc.lo DOllowor p,"vld,d for In Ihi. S""urilY In,lru",.nl ,holl h.aiveo hy ddiv.,inr 1111' hy ,".iIIna II hy
fiRI elm 11\111 unl... appllcahlol.w r"luir.. u.. of ,nolher 1II.lhud. Tho nOli" .holl h. dll""l.d lulh. 1'/I'I,.,ly Mdre.. or ,ny
olher Iddll" Dcrrower d"llnalel by nllllc.lo und", Any nuli"III I..oder .h.1I hcaiven hy 1i"I c1m ",oil h,l..eod.,'1 .dd""
IlIled h.reln or Iny olher Iddr"l Lend" d"IIII'IOI hy nolle. 10 DOlluwor, AllY nul ice plllvided fUI io Ihi. S""o,ily In.lwm.nl.h,ll
be deemed 10 h.v. bun liven 10 DlIlIOWcr IIr undor whcn ~Iven II provided In Ihll pllalllph,
15. Gonmlnl l.awl SneruhllllY. TIlla S"urllY In,lwm,nl .h.1I h. aUY<llled by f,d.fOll.w Ind Ih. I.w of Ih. jurlldicllon
In which Iho Prllpe,ly Ia loclled. In Ihe cvenllh.1 any plllvl.lnn or clau.. IIf Ihl. Sc<urilY In,lwm.nlllr Ih. Nule connlcu wllh
Ippll"bl. Ilw, luch ccnOlc' .hall nol alf,,1 olh" provl.lnna uf Ihll So;o;urilY In,lNmenlllr Ihe Nllle which c.n llllllv,," err",
wllhoullho conRlcllnl plovl)lon. To Ih\l end Ih. prllvi)IIInl of Ihl) S,",urlty 10.lrumenllnd Ih, Nlllo arc d""l"ed 10 he aev.l,hle.
16. norrower'. Copy. DOllower .hallllll liven on. cnnfllnned copy uf Iho Nolo .nd uf Ihl. S<<urily In,llUmenl. ,
17. Trum"r of 'he l'rop"ly or a OCII,nclnlInlcrcslIn Ilurrowcr. If ,II or .ny p,rl of Iho Prllp'I1Y or 10Y Inl"ulln III.
!Old or lIanlf",'" lor If a benclicl.1Inl"o.1In nurruwer \I ,",Id "' I"n.lell.d .nd 1I0rrllwer I. nul. nulolll pc"'lO) wllhoul
Lender'. pllllr wrillen cun..nl, l..endcr mlY, allla opllun, I.'lolr.lmmodi.lo p'YIII,nlln lull 01 .11 ,unl> ,,,,,"rcd hy Ihl. S.,.;urlly
In.llUm.nl. 1I0wov.r, Ihl, oplllln .hlll nol b. ..",i..d by I..nd,r If ..""i.. I. prubiloil,d hy Icd",ll.w .. uf Ih. d". uf Ihla
So<orlly In.lwmenl. . ..
II Lender eurclsUlhl1 opllon, Lendor .hlllllv. Ourrowor nOli.. IIf accolmlion, Tho nullco ,h.1I prnvldo I period of nllllm
Ihln 30 dlY' flllm Ihe dlle Ih. nOllc. Ia delivered or 1II111od wllhln "hleh Ollrrllw" ,uu,1 p,y ,II .UII,a ,,,,"red by Ihll So<urlly
In.lwn""I. If Dorrowor fall) 10 p,y Ih"o .UII" p,lIIr tu Ih. "I""IIIIn uf Ihl. perlud. I...nd.r lII'y Invu~. ,ny """dl,, pcrlOillod
by Ihll SOl:urlly In.llUm.nt wilhllul fo,lher noli.. or demond IIn lI11rrow.r.
18. lI11rrow,,'. RlahlIII 1Ic1,,,lule. "OllllllW" III"''' mloln cllndiliun., nurruw" .h,1I h.v. Iho rllhllll hlv. enfu,,,menl
of Ihl. Socullly Inllwmenl dill<onlloued II any lillle prillr 10 Ih. ..rll" uf: (.) ~ i1.y. (IIr ""h ullICr "crlud .. .ppliClhle I,w O\IY
Ipoclly for ..In.I.lomolll) hefore ..10 of Iho Prlll"',ly pu,,".nllu 'ny pllW" III ..I. conl.llloo In Ihl. S<<:lIrily III,inolll,nll"r (h) enlry
of. judllmcnlonforclnllhll SllCullly In)IWrnenl, 1'ho.. oOlldlllun. 11.11011 Uunllwor: (.) p'YII..ender ,II .UUII ..hl.h Ih.n wlluld
be dlle under Ihll So:<:urlly In.lwO\enl ,nd Ih. NIII. ..If nil "..I",II..n h.d IIccuned; (h) ""., IllY i1.f.III\1I1 .ny 1It11t, clIven.nll
or '1I'''''~'enlll (0) P'Y' ,Ii oapcn.., Inculled In enf..,dnu Ihil S.,.;urlly Ill.IWlllenl. Inclu.lina, 10\11 n\ll Iimil,i1 lu, ,c"..n.hlo
IlInrn.y" f.e): Ind (d) Ilkol .uch "11\ln .. I..ndcr llI'y r.""n.hly l"lulro III ,,,ur. Ih.1 Ih. lien 01 1111\ S.,.;u,ilY In,lwlII.nl,
Lend"'1 .Iahll In Ih. P,"p"ly Ind UO"\lw.,'a ohll~.II\ln III p,y Ih. .un" ."ured hy Ihi. Secu,ily In.i,ulllcnl ,holi cunlinllo
un,hanlled, IIp\ln 10in.III'lIIcnl by allllowcr,lhll S",urily In,lnlln,nland Ihollhlill.llun. Icco,,,1 11",10, .10.11 "nlllm lully ,",,\i..
Ilngl. f""II,. "IIOla M..""ddl. M.. UNIfORMINURUMINT R",II'O
........ [00;' 10 t 5 IHI lIlk '"' v. "al
.
'--.'
"II nil ",d",lilln h,,1 ",,,",.,1, 1111I""'. Ihl' ,I~hllll lcin'I.,~ ,h. II nlll '1'1'1y In Ihe "'" nl .ccrlrllllnn und.r rlfllllrh 17.
19. Sill<. nr NIIIl'1 t:l"'n~,"r 1",," s.'lIlttr. lh. NIII. III . I'"\i.llnl...,, In Ih. Nnl. (l1I1.lh.r "i1h Ihls Srcu,lIy Inllru,menl)
""y I" ",hi I'n. "' n""' lill"" "ilhllll'I"IIII nll\ic. '" 11111111I.'.', ^ ..I. III1Y ,.,ullln . ch.nl. In Ih. .nllly (knlllm.. Ih. LOlli
S."k.,') Ih.1 ,'"II,~I, ,,,,,"Ihly r')'II"nh d.. und" Ihe Nnl. .nd Ihl. S.cu,lly In,lrunwnl. 110.,. .1", may he one or mme chillies
III II,. l,,"n Su",l", un,d.'ud I". ..I. "I Iho Nlllo, Iflh... II. ch.n~olll Ih. lalli S.",lm, Bllnn".r will he alv.n wrill.n nollce
IIllh"h.nr' III "",,"dll"'O "llh r"'r"l'h 1401.". .nd 'I'rll"hlol.w, 110. nnllc. "III ,I.,e Ihe n.m. and .dd,... 01 Ihe n.w lolli
S",,'" .lId thu "Id"" III IIhl.h l"ym,nl' ,hlluld h. mad., 11,. nnllc. will .1,0 cllnl.ln any olh.r Inlolmallon requlrool by
"111111111"'11 I..w.
10, If'llllrdnll' Sllh'IIIIII"~. 11111111"" ,h.1I nlll tlO,", III r<rmll th. r,.",nc.. u.., dl'r""I, olnllle, or reI..... 01 lilY I"urd"u.
SIII..I.." I." 1111 '"~ In Ih. I'II'I,"IY, "'"11I11" ,h.1I nlll dll. nlll .lInw .nynn. .IIodln dll. .nylhlnu .1I<<lInU1h, rlll""rty Ih.II.ln
vllll.lllln III .ny E"';'lInll,.'nl.1 Law, 11" r,.",dlng Iw" ..nl.nc.. Ih.1I nnl .rrly 10 Ih. r"..nc.. UIC. or .10IIB' on lh. r'"rerty
III "nail 'I"anllll.. III Illll.,dllu, Suh,I..", Ih.1 .re l'n,"l1y ''''''Unl''') In he 'rr,nr,I.I. 10 normal ,.,ldenll.1 UIC. IIId 10
IIUtllll, ".Inl'\.' nllhe J1f1II"'lly.
IIllrtnwcf ,,111111 J1111111J1tly Give txnJ~f w.ith:n nlllic~ t1r any in\'t"Ua;atlnn. c1.II1I, ll~l1\AntJt I'\\!iull ur olher .cllon by any
l"v"nnICnl.lm "r"llll'''y 'r'"'y III 1',1",. rilly Inl'IIlvlnulh. rWI""ly .nd .ny Il.wdllu, 5uh'llII," or Envlronm.nl.1 Law 01
..hleh 1111111111., h.. .du.1 knll"lud~., II 1I1111l1l1er Imn., ur I. nlllll1cd by lilY BIIl'o",m.nl.l"r ,.~ul'lory IUlhurllY, 110.1 any
1\.'""1\.1,,, IIlh" I\.'",cdl.ll11n III .ny "m,dllu, 5uh,l.nre .1I<<llnl Iho Prnre,ly I. nrc.""y, Dono"er .hlll promplly like .11 .
",.~JlI:L''''.ry ICIlIC.Jlltl .dll,"~ in I\;l.'uuJ.mct! wilh t:nvirllnm~nlll Law.
^. "...d III Ihi, I'"'.r,aph 20, 'If"a,dllu. Suh,l.n".' "' Ihll,e ,ullSl.n,,, d.nn..,) .. Imlc nr h,uld"u. luh.llne.. hy
l!n.'Ir"nll.'"I"II..w ."d III.I"lIl1wln~ ,ull,l.nees: G,,"l1n., k""liCn., ulh.r lI"n,",hle mlnalc r<trllleum prlKlucl.,lnlic rullcldes
""d h",lohlll..,. 1111.101. ,"1.."1'. lII'I"I.I,,"nl.lnlng.'''''III' ur IIIIn\lld,hyd., and IIdhllCllv. mal.,I.I.. ^. u>cd In 1101. rlllBllrh
20. 'l!nll'"ll11unl.1 Lllw' ",,,,n. 1..J...II.w..nd I.w. ul ,he Ju,l,dlclllln IIher.lh. p,ure~y 1.loclloollh.1 ,.1.le 10 h..llh, ..1.ly
ur \'nvirlll1l1tl'lllalllllllC4:lillll.
\
NIIN,\JNII'UIIM CUVliN^NT5, UII''''"'' .nd und" lu,lh" elll'.n.nl ond "I'ce ,,, 1111111"':
11. ^"''I'h'rnlllllllll'''Il'IIIL''', '.,,"dl'r ,h,,1I ~h. nllll...III lIurrlll\..r prlllr III uenlrrllllllll Cllllllwln~ Dumlllrr'. hrelleh ul
Ullr "III1'lIIl11ll1r U~Il""elllll Ihl, Sl'l'lfIlly h"lrullll'fll (hul ""1 prlllr III u[{..lm.II"" uud..r pllru~rnph 17 unlls'luppllcuhlr
1,," rrmldL'" Illhl'I'\\I..,). L"llllrr ,hull Illl\lfy 11011I11I... Ilf, uII""'M Illhl'r Ihl"~,, (II) Ih. d..IIlulll (h) Ihe UCllllll required III rure
Ihe dl,rlllllll ("I whl'" Ih. dllllull ,,",,1 "" CUIl'dl ulld (dllllUl f.llurelo cur. Ihr dd'uull'" .pt'<ll1cd IllUY Il",ullln acrelrllltlon
III III, "'"" ",,:ull'd hy Ihl, SI'l'urlly Il\\lrulIIrnl, rllr,dll'Ure hy Judlclol procrrdlnR and IUle or Ihe Properly. lAnder .hall
rUltlu'r 1111111111 1I111/1I111'r IIr lhr rl~hl III relllllule uller uccel".tlun ond Ihe rlRhllo 1L"crlln Ihe foredomre proccedl"lllhe
lI"n'I',I''''llI' IIf " dllllullur uuy IIlh..r d..fcme nr Dorrnller In O[{cluutloll Ind furedomre. It lhe drC.ulll. nol rured LI
'1,,,'II1..d, 1."IIo1...ullh IIplllllllllUY Il'lllllr. hlllncdlulr pu)mcnlln lull 01 .1I.un" It'(ured hy Ihl. s<<urlly In,lrumenl IIl1hcul
furll",r dl'lIIulld ulld '''lfY rlln~'I'I\' Ihl, S.'l'urlly Imlru'tIl'nl I,y Judlclol proc..dlnR. Lend....hull he entitled 10 (oiled III
"I'I'II"~ hnlflll'd I" plII>lIll1~ Ihc mlll'dl", pru.lde'd In Ihl. p,"u~ruph 1I,lncludl"ll. bul nOlllrnlled 10, aUomey.' Cres and
CII'(\. IIf IIl'c ..Idl'fll'. '" II,.. "''''III p",,"ll1cd hy urrllruhle lull'.
12. Itd..II.... IlI"n r"YIII.nllll .11 "1II1S ",,<ured hy 1111. 5"ulllY 1",I,u",.nl, Ihl. Sl'Curlly Inllrumcnlllld 110. .)Ial. conv.yool
,h.III"",I".I. .nd I~'ell"" \'"Id, ^"., ""h IlctUmnc., Lender .h.1I dil<Chlll. IIId IIlIdy Ihl. 5rcurlly In.lrumcnl wllhcul chllle
11I1I1IIu,"cr. IJllrrllwcr ..1\1,11 flalY any fl.'(lIIl!..tllln cu!\lI.
1.1. lI'"h,'"" U"""",,. III Ih. ..I,nll"',mlllcd hy .rrll..hl, 1.1', ".Iv...nd ,eI..... any enor or d.lecl.ln proceedln.'lo
.nl"". Ihl, Secu,IIY In'humonl. .nd her,hy w.II". 110. ""nonl 01 lilY pr."'nl or luluro I.w. provldlnl lor .lIy oC ..eculloa,
..1,'n,IIIn ,,111m., '''"'pll"n Irllnl .1I"hm.nl, I.vy .nd ..I., and hom.,lud uemrllon.
14. "tlll'lnl"""1I1 "..Iud. DUII"w.r'. IIl11e III ,.In,t.l. r,uvld..J In pllllllrh IIlh.1I ul.nd 10 on. hcur prior 10 \he
CIIII"lI.nn'",.'nl nl Ioiddiny .t a .h.,lfI'o ...1. IIr IIlh., ",I, pU15ullllln 1101. Securily In)lrurnenl.
1~. "'rdlll" MlInry MlIrIM"M~. II.ny ul Ih, d.bl ...:ureol by lhl. Securil,ln.lrurnenll.lonllo Donower 10 ~ul,.lIl1e 10
Ih. Plll,."ly, Ihl. 5",urlly In.lrurn.nl.h.1I "". rure"'.. mon.y rnu~G.,e.
16. Illlere.1 Rale Allrr JudAmenl. Dorrow.r eur<'O.lh.lth. tnl....lllle payebl. .n.. . Jud'lIlelIll. ealered oa \he NoIe or
In 111 Icllon oC mort,.,e loreclo.u" ahall be the IIle p.yeble Crom lime 10 lime under the Nole.
,i
I
I
I
,
I
i ~_
I
500;;1015 rACE J.UU
,
I
"
'It. . ef .
. .
,
. '_0...' . ......1"......_.' .......
11. Riden.. lhII Securit, 1Mlrumenl. Ir oM Of IDOl'I ridtrl ... lucUIed b, Bonowt,llld reconlocllOI.IlIl' whh "'I.
IIcwlI}' 1llIIru_I,lbl CO'IIIlIIlIlIllll "*_" 011lCb IUCb ride, ebIIl be IocorpcnlocllAlo IlId ebell.mend IlId .uppl.lllInl "'"
covOIlIlllllllllllroemenll ollhl. s.curil, 100UUIDCllIulllb. ridor(.) w.re . pari ollhl. Securit, InlINmenl. (Chock .pphcabl.
l?ol(..l\
o AdJUllabl. Rei. Ride,
o OI1lllUllocl P.,menl Rider
o D.lloon Rldo,
o Othor(.) (lpoel"l
, ,
I
o COIldcmlnlum Rldor
o Plannocl Unll D.v.topmenl Rldor
o RllIlmprovemcnl Rider
o .-4 F.mll, Rld.r
o Blwockly P","""I Rider
o Socnnd IInmo Rld,r
BY SIGNING BELOW, Borrowe, '"'flI and '1'"" 10 lI>.lelllllllld COYClWItl conlalaoclln Ihll Socurily In.INmenl end In
Ill' rid"r(,)"ocUlocl b, 9crrcwor end nco"w will> II,
WllD_:
~IJt
(W^'
~~~~ "-
William o. ROllo -
SocI.1 s.curil' Number "'to tJ. ~ \.. H - I "tj ~ -
~t~~Jf~.l1 ~
Socl.. Socu,lIy Numhc, \'1.1- :>,^;- .., ~ Ii
Socl.. So<u,hy Numhc,
(SNI)
........
ISceI)
........
(s..l)
....,....
(S..l) ~
'..,......
.'
SocI.1 Securit, Numhc,
1__IN'....'.........._11
OIIIhl., lb.
CIJ1berland
. lOti I
Counl, III
COMMONWEALTH or PENNSYLVANIA,
:3's"C .u,ol M~
, belon me, a Notary Public
Ih. undoral.nocl ornm, penon.lI, .ppcarocl
WilUIl1\ G. IbIu and Maty IDU IbIu
kDOWIIlo all (or "tlll'Cloril, proven) 10 be 11>1 penon whOll n.me 8 are luhsc,:hod 10 Ihl wllhln In)INmenl IlId
ICknowlocl.ocIlh.1 they IlIlCUlod Ih. lime 10' Ih. pu'1""'''' h,reln clInl.lnod. !, ,
.:ffi,;J2!~'
.... " ~ .' I .'. .
el..... . I, .
t : h . '.: t, " '.:
'. ".,' '" I 'j . .::.
IN WITNESS WIlEREOF, I h.nounlo eel m, hend end olfitlel...l.
M, Com
blAAIAl SLlI
SHIRIIY W, AlllIRS, NOIARY 1'U00le
CARum BORO" CUMIIAIAHO COUHlV. PA
lAY COUlA15filOH IlPIR[~ JULY 14, '''1
t.~' .
II 0"
o '.." ....,
", .i'
1 cmrIF't 'I'1IAT 'I'11E PRECISE PlJ\CE OF IllSlNESS OF 'I'11E WI'I'1IIN NAMED
HJRroA~~~ER' PI1'\'59OROII, PEIlN9YLVIINIA 15222
" '
.'
".-,' f"'''
.....,JI..
bood015 rAt! 1 to
PENNSVL VANIA. Slngl. Fondly' hnnl. MH/f,,4d1. MOl UNI'ORM INITRUMINT
._ ,... ....... Co" ..., "DOl'" .n. ,,,. I .1 I
'Inn lOll 1110
110111"1
'J
.
. .
I
'-"
MI. 11111T CDfrAlll iqlraved, part, parcel or met of grourd located in
HiddieSGX TtMlshlp, t\Ilbarlllll1 O::A.II1ty, PeIV1Bylvanla, 1I8 hereinafter
dOGCr1bod be witl
llfXlunlun at a p:lint ev idonoed by a spike in tJle OIlnterline of
lJJqlslative J1cu\:e 21020, 1a1CMl as Old .Stono IIoUse Iload, tJllll101l North 43
dtl9rees 26 minutes 20 seoorrls East, a dis1:anOll of 600.61 Ceet be IlI\ iron
PUll tJlC1/D11 IloUtJl 47 degrees 27 minutes 10 seoorrls East, a disl:arDll of
461.72 Ceet be IlI\ iron pin, thenco SOUtJl 12 degrees 2 l1I1JIUtes 0 seoorrls
East, a dls1:anOll DC 670.06 feet be a spike in the centerline of TtMlship
Rood 1a1CMl as '1'-573 (flWalad!11lI\ Drive), tllenoo South 75 degrees 34
mllllltll8 0 GOCOlrls Wcst, a dls1:anOll of 269.24 Ceet to a spike in the
ecnwrllno of tllO aforcsald lJJqlslativa /lcA1te 21020 (Old Stone llouse
Rood), thC1/1C1! North 46 dogroos 33 minutes 40 seoorrls West, a dis\:al:1Ol of
070.60 foot to a spike in tlle ecnterlino of ls;Iisllltive /lcA1te 21028 (Old
stono llouse Rood), tlle pllloo of 1le;Jinn1nr;J.
axlrAlIIUla tlll!l1lin 11.3240 IIcres, liS evide/J:led by Bw:vey of 'Ihanllll Alv1n
lIeff, Ileglsterm SUrveyor, dated ^\l9IIBt 26, 1977, said survey be1n.l
IItted!ed hereto lIB Exhibit "A," ard kr1CMIlIB SulxUvlslon for 1JIlSen Hall
FIU11\ll.
"
MUla tho Bl1J1Q premises I.hld! ~lght Jlobarts, sirgle man, et. al., by
Dood dated IIavenber 7, 1977, ard reocrded in amtJerlard O::A.II1ty Reoord
Ilook "II," Volunn 27, I'nge 264, granted ard oonveyed Wlto W1l1lu a. Ri:IIM
ard Hary Leu Ro<<e, husbarlS ard wire.
sumWI' to Ilcstrietiol19 81k1 R1ghte liB oootelned 1n said 1mJ.
EXCEPl'l/n 'IllF1lEF1Oi, all tllllt oortain met of lard o:J/1Veyed by willilll
a. Ila.'o an:I Hat)' Leu Ra"oo to Fredorick I. 11u91l1\!r ard Gail R. 11u9an!r,
hll8ban1 an:I wire, by Deed dated Novenber 28, 1984, ard recorded 1n
OIltlerlan:l O::A.II1ty Record Iloak "8," Vollll1lll 31, Fag. 4911, an:I beinJ tot ,
No. a-A on Final SUlxUvision PIIll\ prepared by aerrit J. lieu AalOOiat.,
!no., recorded 1n adlerlaRS Olunty pllll\ Iloak 4&, I'IIIle 123.
.\
"II
,
..........
'.
, I
EXIUDIT "A"
.....
BIIII of Plnnlylvlnll }
Counly 01 Cumberl.nd 88
Rlcorded In Ih, olflcl fur lhl recording of Ollde
Il'lJl' Ind lor Cumblrllnd County..P,I_
tn(ltlIfo Book lull Vol, =- PlgI.LJW
~"n~.. my h.n~t "II of olllet of., JI
1.~1"~II,PAlhl', dlvof~18~
~1011itm 11\ ~~~~'o
"---' '
'. "
" ,:' ,i . " ADJUSTApLE RATE RIDER '
f I \~II TUIIUI, Ind..-R.I. Clpl-Fh.d RII. ('un""lon flpllunl
_TItIS ADJUSTABLE R^TE RIDER b mlld~ Ihll j/~III' 01 1tl1fc1 . I~q I . .nll II
In~olpoIIICd Inlo Ind IhDII be deemed IC .m~nd IInd ..ppl~m~nllh~ MOllfaf~. ll,~d 01 TIU.I 01 S~~ulil)Il~~d Ilh~
"Secullly Inulumenl"' ollhe "nle dlll~ ~h'~n bl' Ih~ u~d'I.I~~~d Ilh. "0<111111"'"' h' .~~.,~ Olllllm~I" ,\di~'I~I'
Rile NOli (lh. "Ncll")10 Dollar Iliink, F'ederal Sa\lIn~a Bank, Three Dnellay conter, 1 st,
Plttsbut'\lh, POMsylvanla 15222 llh~ "I.~nd~r.l 01 Ih~ '"11I' dm and ~,'mln~ Ih, ploP~II) d~.~llb~d In
Ihe Setullly Inlllum,nl .nd h':lI..d .1:
211 Old stonehouse Road, Carlisle, peMsylvanla 17013
11111l~1l)\\JJf.\\1
TilE NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN THE INTEREST RATE
AND TilE MONTlILY PAYMENT. TIlE NOTE LIMITS TIlE AMOUNT TIlE BORROWER'S
ADJUSTABLE INTEREST RATE CAN CIIAIIGE AT ANY ONE TIME AND TIlE MAXIMUM
RATE TilE BORROWER MUST PAY. TIlE NOTE ALSO CONTAINS TIlE OPTION TO CON.
VERT TilE ADJUSTABLE RATE TO A FIXED RATE.
Addlllon.1 Connlnll.ln Iddhlon 10 Ihe covenDnlllnd DglCemenll mode In Ihe Seculhy In,lrumenl, Borrower
and Lender runher ~ovenDnllnd aglee .. followl:
A. ,\IlJ\lS'I,^RI,t: RA'I}: ANII MClNTIII,\' l'A\'Mt:NT ('II.\Nc:t~'i
Tho NOle provld~llor on nhIDllnler~.1 r... or 6,375
Iho IdJUII.ble InlCre.1 r.1C und Ihe IIIl1nlhly p.ymenll, 01 fullowl:
.c. AIlJlIST^IIU: INHlIl:sT 1I,\'It: ANIl MClNTlII,\' l'A\'Mt:N'I' ('II^Nf:t~'i
I A I ('b.n~e 11.1,.
The IIdju.labl~ hu.,.,I rlll~ I will POI)' lIIay .I"'II~~ IIn Ih~ lir.I dilY of July . 1'192 .lInd on
lhal d.y .my 121h Hlonlh Ih~r~,III,r, I:,,,h dlll~ "" whkh HI) IIdju'labl~ Inl~r.'I "I~ .ould ~han~c I. ~III1~d II ..t'han~c
Dole,"
IBI Thr Indu
, . Bc~lnnln~ wllh Ih. IInln.nfe 0111.. my IIdjU'I.bl~ Inl.r..llille will b. bil.ed on.n Ind~" lhe "Ind~l. \llh~
weekly "Y~r"~~ yl~ld un Unlt.d SI"I~' Treo,ur)' "..rltICllldlu.l~d 10 ".Iln."nllll:olurlty 01 I)ellr..' IIIl1d~ IIY:oII,lbl~ br
Ihe r~d~r.IItCl~"e IIllllrd, Th~ 1111111 r~.~nl In~" IIf.r~ .'ilililbl~ .. 01 Ih. d:ole H dilY' b~rllre ~ach l'hiln~~ IMe "
c.lled Ih~ .Currenl lnd~,,"
IIlhc Ind~lll no longer Iyallable, me NolC 1I0lder will choo" I new loon malls baaed upon campanhle Infllrm,llon,
The NOle Ilolder will glvo 100 nollee or Ihll choice.
(C'I (',1..1.11.0 01 ('hlnan
Defore each Change OalC, mo Nole 1I0lder will caleullle my new InlerOlI ralO by Iddlnl '1'010 and 3/4
\\. The Nnlc rrovldCl for ChAnlClln
--.
pen:enllgo palnl(ll( 2.75 ") 10 me Currenllndel. The Nn\c
Holder wllllhcn round Ihe rclull of Ihlllddltlon 10 Ihe ncaresl OIIHllhlh of ono percenllgc palnl (0.125"). Suh)ccl
10 me IImllllllled In Secllon ~(O) below, lhla rounded Imounl will be my new Inlerc.1 role unlll Ihe nell Ch.nle I>alu.
The NIII~ IIl1ldcr wllllh~n d~l~rnlln~ Ih~ illllllllnlllr Ihe lII11nlhly pllYIII~nllhill I",ulll h. ,"I1Ie1,nl III repay III~
unpDld prlndp.llhDI I am elpeeled 10 owo allhe Ch.nge O.IC In full on Ihc M.lurlly 1l.lc .1 lilY n.w Inl~I..1 r.lc
In lub.IDnllDlly equDI p.ymenll, The lCIull or Ihl, c.lculDllon will be Ihc new .mllunllll my mllnlhly paYIII.nt.
lllll.lmlt. cn Inl.."t"alr ('banan
Thc Interell rale 1101 required 10 pay Illhe nlll Chlnge DIIC will nOI be grealer Ihan 8. 375 " or
ICUlhan 4.375 ',11,. TllCrcafler. my IdJul1able InlCrClI rile will nmr be Increned or decrealCd on Iny
lingle Change Dale by more Ihan 1'110
percenllge polnllll ( 2.00 \\) rrom Ihe ralC 01 Inle[elll have been paying for Ihc preceding
12 monlhl, My Inlerest nle will never be grealer man 12.375 \\, which Is called Ihe "Muhl1unl R.le".
IE I [!trolh, Uat, cl Chanan
My new Inl~re.1 rul~ will b""II1~ c1reCllve on each Chllni~ IlIlIe, I will pll)lh~ III1111unl ul 1111""" lI111nlhly pil)III'nl
bellnnlnl un Ihe 11111 ",ulllhly pilrll1~1I1 dllle IIrl.r Ihe Chanp~ !Jill. unllllh~ illuounl ur"" 1II11111hl) p,ly",e"l challYCI
DI'ln,
I F I Nolin Dr ('hlnan
Th. Nul~ Ilul~" will delt,,, or ",alllu III.. nOllce ul .ny .hunle.ln my .dj..lllble Inl""1 101. IInd Ih. IIl110unllll
my nlllnlhl, pllYIII~nl bdllr. III, elr~ellvc d'lle 01 .n, <hllnle. Th. nul lee 1IIllIlnd.de Inl"'lI1.i1l11n lC~ulred b)' lillll III b~
11,.n lIIe lIud III.u Ih. IIII~ IInd Id~phun. nu",b~r ul. pe,.un whu IIIIII.n.wer .ny ~u.'lllIn l,ull) h"" I.YlIldlny Ih~
nollc~,
II. mU:IlINn:Rl:ST RATE OPTION
Th~ Nol. pru,ld~. IIIr Ih~ IIUIIOIII"', uPllon 10 ~un'.r1 frum.n .dju'llIbl. inlel.'1 lal~ lIIilh Inl".,1 1111.1111111111I II '--",
n,ed Inl~r..1 r.le .. rollow.: )
5. "'XEIlINTEiu:ST RAn: CONVERSION OPTION
I A I flpllon 10 Conlflllo Fiord nalr
I h.y~. Clln,mlon Opllon IlIallclln e",ei.e unleu 1.01 In dcr.ull 01 Ihl. SCClllln S{ A I will nlll perrlllt,.1C III dll'u
The .Cun,,,,lon Oplllln" II III) uplllln IU convcrllhe i"IelCil I." 1.10 requll.d 10 pa) bllld. NUIe llUlII.n adju.l.bl~
r.1e wilh Inl<,..II,II. lill1il' hllh. Ii,,~ ,.1. clllculul.d und.r Smlun 11111 beluII,
IIULTlITAII CONVlRTIBLl ADJUSTABLl RAil R,DlA-6,n~e Ftmil-I Vall ',m.IY Ind"-'Innle II.. UnUOIm Inllrumenl 101m 11I11/11
Fcrm 421& 11101, (p.pe I 0' , p.p"/
Uiii!lii]aTIiUiU~jil"~ !imm,lt"~~~..4 rll',,,:l"~ "J' .., ,. l"-J
roOK 1015 PAf,[ 112
.' . .
,
I , ,
I
I
,
II" "",""'''11,,111 ",,111,,11' "I..., IIn.1 d."11I 'I',,,III,d b) II" NIII.lluld" du,ln, Ih. I'"lod b.ulnnlnu on Ih.llr.1
(h,.Il~'; 1),1'''' 111111 ,lltllll~ 1111 Ill,' hllh ( h,llI~ll U,II~ 1:III..h d,ll\: un "hkh 11\) adju~luLle Inl"'rr.:" 'ale tan convert III ,he n\:w
h.," f.ll~ It \,111\11 tll\' '( tlllH,\IUII 1),lt\: ,.
" I ",1111111 \\\1\1'" 1111: ( Ullh'I\hlll OplilUl. I mu,t 1\r~1 m~...1 .wt..ln (umJilhm,. Thll~l: ctlnLlhlun. "'": th.u: (I) I
lIlu\1 ,Ih' 111\- ~lll~ l'III.h, 'hllh\' Ih,11 I \IIalll hi tll) \u; lid un Ih... l\UWCf\iUII I)Jh:. I mUll nUl b... In ,h:ruuh under Ihe
NIlI\' III III... ~'\lIlllbJIl'"UIlI""t, 11111 h) .llI.ll\' "11,','ililOd b) II,,: ~111... I hlhk,. I mUIl'IM) 111\: Ntlllllluld..., Il cun~...rhil1n
I" 11111 Ii ,2~O. ; .lId (1'llmu'I.lun und ,1,.lhe NOlc lIulder any documenlllhe NOle
1I11ld" '''IIIU'' It, ,1I',llh. "'II""IIIn
1111 Coli ul,lIl1n 011 hrd 110"
MI "'~, 111"1'111",,1,,,1. ~,II b, "10,,1111 Ih. r.d"ul N.llullill MOIIYilU' ^."..Iillion'. r"lulr.d n'l yl.ld U' ur 0
d.lI. olld Ill'" 11111.1) '1'",Ii.d "llh. NIII.llllhkr rllr (1IIIIh< ori~ln.11<r1ll or Ihl. Nole I, ~rviller Ihan 15 y.m, lO,ye",
h',,\ M. 11I"1I1"~" .o,md b) o"l'h."bl< lIU,d.y lIIilndalury d,lIwy cOllllllhlllenh, I'lu.I;,...IUhlh. cr une ""re.nlilye
!",llIlllllIB" ).lIlolld.d IlIlh. 1I""',llIn...luhlh 01 one ",re.nl'ae I'oinl (11.llS'~). 0' (1Illllhe orlulnallerm 01 Ihil
N,Uc h 111',1" "' I,.., Il'IC,1I h..d rillV 1II"'I~ilae. CII"I.d by opplicable 60,day mondillory d.liwy ecmmlimenl..
1'lu'"'C"I~IIII.. ,,' ,I,,, l",r'''''''I' "'111'1 1IIIIll'll. ,"uml,d hllh< neill.,1 on...luhlh or one I'emnlal< pulnl (0,111'11,
111,1. '''1",,"111,111>1,1 .,,,,,,,,11,, ,kl"IIII11.d b"ilole Ihe 1I1'I'lkllbl. COllllllhlll.nll ore nol o,"I1.ble, Ihe NolV 1I0ldvr
~lIllh'I,,,"II1< III) 1111"..1','1.11) "''''P '''"'I',lIl1bl< IIIIIIUlllllltlll, My nUl' rillV cillcol.lVd ulldvr Ihl, S"llon lllll ~III
nlll b. I,,,,,r Ih,lIllhe M...lolltltl' 11.11' 11,,,,d III S",IIIn 41111 ab,""
In NI'~ 1'0)1111111 ^'"1111"1 Olld nlnlhr II.Ir
III ",''''' hI e",.,., II" 1'11",...1,," O"lltln, Ihe Ntlle Illlld" 1'1\1 d<IClOIllle Ihe IlIIlIonl or Ihe monlhly plymenl
Ih.1 .",old I" .ulll,I'"1111 ,el'ilY Ih. 1I11",ld p,llId".llom "p'''lVd 10 uwe IIn Ihe Clln'lIIltln Pille in rllll on thc Malo,hy
II.IV "lilY lieII' Ih.'d IIIIV'O\I ,"IV In ,"ll1lilllll.lly e4o,II"ym.nl', 1'h. re,uh III Ihl. ealculUllon 11'1\1 be Ihe new Imoont
III lilY 1I111111hl~ 1'.)11"11I "'kiIlIlIIlB w'lIh lilY n"llIIlIllIhly 1"YIII'1I1 all" Ihe Clln,er.lon Pale. I 11'1\1 PlY Ihe new ImOllnl
I' III~ 11I111111111 l"y"""1 oltlll Ih< MOIII'"Y lIille
1', 'I M,\NSll'lt 01'111I: I'RllI'l'I11 \' OR ,\ IIl:NHKIU INlTRl:S1' IN BORIIOWrR
I 111I1I11I,,,m.,, ""cl,,, Ih. ('11111,,,.1011 Ol'Iion IInd" ,h. cOlldltion. .1iII.d In S<"ioll 0 or Ihl. MJu.Iilble RUle
Itld", 11""lIuII ('11I'",1"111 uf ,h. S,.,,,llllmHomellll, on,,"d.d 10 r'ild o. rollo"I:
1',,,,,1,, 0111" I'ruprll~.r. ","1'111'1., InlClt,lln DOllu~rr. Ir illl ur IIn)' I'ilrl or Ihe Plo",,"i' ur ony InlerUlI in II"
.IIld ,"llilll.I,lred (or ,r iI bendid.1 III"re,1 IlIllollo~.r" lold or I/lln.lwed .nd DOllo~vr I. nOI a n'lIlurul """onl
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FAYOFF STATEMENT
"-".
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FE~RUARY ~9, 1'94
REHIT TO:
THE MORTGAG~ SERVICE CENTER
~17 SECOND STREET NW
CANTON, OHIO 44702
1-1300-4:;)1-8059
J.
TO'
F. HUNGAtlIR ESQ
\.jII-I-IAM CROWE
HARY l.OU ROWE
~Il Ol.D STONEHOUSE RO
CARl.ISLE PA t1G13
REi
WILLIAM G ROWIt
MARY LOU RaUl:!
211 OLD STONEHOUSE RU
CARLISLE ~A 17013
K~X~**~*.****~**H************ftft*****~**************~<<*K*KHKKK"*K*"*
* PAYCF' BALANCES WHICH EXC~~U ~1 ,000 ARE REQUIR[O TO BE REMITTED *
* IN TH[ FORM OF CERTIFIED FUNOa. "
********HKK********ftKKftftftftft..K**KMU**************"""**..***K**W**K.
IH~BE FIGURES ARE Guao UNTIL FEBRUARY 09. 1994
I'HIS LOAN IS DUE FOR rHE FF.:tlIlIIARY 01, 19'14 PAYMENT.
THE CURRINT TOTAL UNPAID PRINCIPAL BAl.ANCE IS;
INTEREST AT a.3750o~
~ . . K rurAL AMOUNT TO PAY LOAN IN FULL. * · H * ·
LOAN NOI t264S6-J
~OAN TYPEI CONV~NTIONAL
PROP~RTY ADOR[SSI
211 01-0 aTON~HQUGE
CARl.I6LE PA 17013
.
137.3::!::!.B7
1.210.47
138.533.34
FUNDS rlr;:r;r::lVED ON OR AF'rL\R FEBRUARY 07, 199~ lolILL F\I~QlJIRr:: AN AlJDITIONAL
. 31 .51 INTER~SI P~R DAY.
THt::ljl! FIGURE:a Mlr. SUBJECT TO nNAL VER IF'ICATION BY 'TIlE NOTEHOLDr::R.
F:GUM~S MAY nE ADJUSTED IF ANY CHECK/HONCY ORDER PREVIOUSLY REC~IVED IS
REJECTEU BY THE IN~TITUTION UPON WHICH IT WAG DRAWN.
ISSUANCE OF THIS STATEMENT UO~S NOT SUB~INO THE CONTRACT REQUIREMENT TO
~nKE THE MORTGAGE PAYMENTS WHEN DUE. A LATE CHARG~ OF . 54.03 WILL BE
ASSESSED 15 DAVO A~TER A CURRENT PAYMENT 15 DUE: AND SHOULD BE ADDRD
TO THE: PAYOFF TOTAL IF RECEIVE:V AFTER THAT TIM~.
v. PLEAGE BE ADVISED SHOUl.D A TAX BILL REQUIRE PAYMENT FROM AN ....
*..._ ESCROW ACCOUNT. IF NOTICE IS NOT RECEIVED ANY CURRENT ....H~
....H TAX BILL WILL BE PAID PRIOR TO RECEIVING THE FINAL PAYOFF. x*
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IF THIS PROPERTY IS SOLD, PLEAU; PROVIDE THE a~LLER'S FORWARDXNG ADDRESS.
SHOULD FURTHER ASSISTANCE ~E REQUIRID, PLEASE CONTACT THE PAYOFF DEPT.
PA OFF DI1F'A.::F.f'J~ ~
UANITA C. I(OONTZ ~
XP021-02:1/ADr:l
.. Exhibit
2
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WILLIAM G. ROWE
MARY LOU ROWE
Z11 OLD STONEHOUSE RO"C -
..,.. -. CARLlSLE,PA.17013., ~,' :::.;~
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Fifty Forward!
~f
COLLARS
G'l-J'"
ou~
,,'0000 ~ OBO Sq,,'
_"_
Exhibit
3
HUGANIR LAW OFFICES
U WEST POMFRET STREET
CARLISLE, PA 17013
71H'H272
.'
416
~
313
-DOLLARS
,\
11'00010 H,II'--l:'01TiOl, ? 201:
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Exhibit
4
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22 WEST POMFRET STREET
CARLISLE. PA 17013-3216
FREDERICK I. HUCANlR
TEL, (717) 249.6272
FAX, (717) 249-6282
Februarl 18, 1994
Dollar Sank Federal Savings sank
c/o of Mortgage Serrice Canter
217 Second Street NW
Canton, Ohio 44702
RE: William G. and Marl Lou Rowe
Your loan number: 126456-3
G<<lntlemen:
please find enclosed a check in the amount of $138,911,46.
please enter your satisfaction of rscord in the Cumberland
County Recorder of Deeds' office located in carlisle,
pennsylvania.
I anticipate an overpayment, due to the February installment
being paid in order to avoid a penalty. please send the overage
and balance of any escrow you may have, with a statement of
account, directly tOI William G. and Mary Low Rowe, 211 Old Stone
House Road, Carlisle, PA 17013.
Thank you kindly.
FIH/sleb
Enclosure
eel W. G. Rowe
...../OZ UboAll. ....
,
Exhibit
5
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tOU AU HfllIY IlQUIIlD to PIl.l .
WIUlUN ""'OHll to II.' INUOstP
~lfHU' ',U"" LtOI nA"1 nOM If.Vler
HurD' 01 I. JUDGNI,U MA' If
INIUIO AUI..IY tou.
DOUOLAS DOUGI.^5 & DOUGLA!l
A""Utll l'; 1-, I.~
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Wt DO tlunn' CUllin fl.'" 'HI
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OF tlu: OIl'GI~'L flU u I~ fl1I'.
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."OINn
WILLIAM G. ROWE and
MARY LOU ROWE
V.
DOLLAR BANK, FEDERAL
SAVINGS BANK
IN TilE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION. LAW
NO. 94 . 3774 CIVIL TERM
MOTION OF DEFENDANT. DOLLAR BANK. FOR ENTRY OF JUDGMENT
NON PROS
AND NOW, comes Dcfendanl, Dollar Bonk, by and Ihruugh Iheir
allorneys, Douglas, Douglas & Douglas, and flies Ihis Molion for Judgmenl
M.on ~ averring Ihe following in support thereof:
1. This action was commenced by Complainl on July 11, 1994.
2. The plaintiffs claim they are enlilled 10 damages because Ihe
defendanl failed 10 timely mark a mortgage salisfjed.
3. A copy of the dockel sheel is allached hereto, marked Exhibil
IIA",
4. As evidenced by Ihe docket sheel a\lached herelo, no docket
activily had occurred for a period in excess of Iwo (2) years.
5. Under Pennsylvania law, Ihe Court may properly enler a
judgmenl IlllJl prllJ;i againsl a plaintiff for lack of dockel activily when: (1) Ihe
plaintiff has shown a wanl of due diligence in failing to proceed wilh
reasonable promplilude; (2) Ihere has been no compelling reason for the
delay; and (3) Ihe delay has caused smne prejudice to Ihe adverse pari}'.
6. The Pennsylvania Supreme Courl has held thai in cases
involving a delay for a period of Iwo years or more, as In the instant case, Ihe
delay will be presumed prejudicial for purposes of any proceeding to dismiss
for lack of activily on Ihe docket.
7. Under the facts of Ihls case, (1) plainliHs have shown a wanl of
due diligence in failing to proceed with reasonable promplitude in Ihat Ihey
have allowed Ihis simple automobile accident case to languish for more Ihan
lwo years; (2) there has been no compelling reason for this unreasonable
delay; and (3)pursuanl to Ihe Pennsylvania Supreml' Court's recent decisions,
CllRTIFICATE OF SERVICE
I hereby cerllfy thai I hnve served a Irue nnd correct copy of the
foregoing Mollon of Defendant for Enlry of Judgment M.w1 fmll on counsel of
record by placing the same in Ihe United Stnles Mnll nt Cnrllsle, Pennsylvllnill,
first-class poslnge prepnid, on Ihe 3rd day of December, 1997, nddressed liS
follows:
Frederick I. Hugnnlr, Esquire
22 West Porn fret Streel
Carlisle, PA 17013
Counsel for Plninllffs
Q ~~1
..II t'1 /I. { _
Jlln t M. Lny, Secretary t l
DOUGLAS, DOUGLAS & DOUGLAS
Reference No..l Filed........: 7/11/1994
Case Type.....l COMPLAINT 'I'ime.........l 15141
Judgment... ...1 .00 Execution Date 0/00/0000
Judge Assigned: OLER J WESLEY JR sat/Dis/Gntd.. 0/00/0000
Jur~ Trial. . . .
lIi~ er Court 1
Hi er court 2
....................................................... ........................
General Index Attorney Info
ROWE WILLIAM G PLAINTIFF HUGANIR FREDERICK I
211 OLD STONE HOUSE ROAD
CARLISLE pA 17013
ROWE MARY LOU PLAINTIFF HUGANIR FREDERICK I
211 OLD STONE HOUSE ROAD
CARLISLE PA 17013
DOLLAR BANK DEFENDANT DOUGLAS WILLIAM P
FEDERAL SAVINGS BANK
THREE GATEWAY CENTER
10 EAST
PITTSBURGH PA 15222
PYS510
1994-03774
ROWE
Cumberland County Prothonotary's Office Page
Civil Caso Inquiry
WILLIAM G ET AL (VS) DbLLAH BANK ETC
1
................................................................................
. Date Entries ·
................................................................................
COMPLAINT - CIVIL ACTION
SHERIFF'S RETURN ISHERIFF SERVED DEFT 7/28/94)
SHERIFF'S COSTS $44.00 PO ATTY 8/8/94
ANSWER
PRAECIPE FOR LISTING CASE FOR TRIAL BY WILLIAM I' DOUGLAS ESe
ANSWER TO PLAINTIFFS' INTERROGATORIES TO DEFENDANT FIRST SET
MOTION TO DISMISS OBJECTIONS TO INTERROGATORIES AND ORDER BY JUDGE
J WESLEY OLER JR COPIES MAILED 2/9/95
MOTION FOR PARTIAL JUDGMENT ON THE PLEADINGS AND ORDER OF COURT BY
JUDGE J WESLEY OLER JR - COPIES MAILED AND NOTICE GIVEN 2/10/95
DEFENDANTS' RESPONSE TO MOTION TO DISMISS OBJECTIONS TO
INTERROGATORIES
ORDER OF COURT BY JUDGE HAROLD E SHEELY COPIES MAILED 3/6/95
PRAECIPE FOR LISTING CASE FOR ARGUMENT BY FREDERICK I HUGANIR ESQ
ORDER OF COURT - IN RE PLAINTIFFS' MOTION FOR PARTIAL JUDGMENT
COUNT I GRANTED - COUNT II DEEMED MOOT BY JUDGE J WESLEY OLER JR
COPIES MAILED 4/28/95
04/28/95 ORDER OF COURT - IN RE PLAINTIFFS' MOTION TO DISMISS OBJECTIONS TO
INTERROGATORIES - STRICKEN FROM ARGUMENT LIST - DISCOVERY
CONFERENCE 6/6/95 AT 9100 AM BY JUDGE J WESLEY OLER JR
COPIES MAILED 4/28/95
06/06/95 ORDER OF COURT - IN RE PLAINTIFFS MOTION TO DISMISS OBJECTIONS TO
INTERROGA'rORIES - MOTION DENIED - BY JUDGE J WESLEY OLER JR
COPIES MAILED 6/6/95
10/27/97 PRAECIPE FOR LISTING CASE FOR TRIAL BY FREDERICK I HUGANIR ESO
.......................................................................;........
. Escrow Information ·
. Fees & Debits Bea Bal pvmts/Ad1 End Bal ·
................................,........\......,.................**..*.*.**..**
07/11/94
08/10/94
08118//94
01/20 95
02/09/95
02/09/95
02/10/95
03/01/95
03/06/95
03/17/95
04/28/95
COMPLAINT
TAX ON CMPI,T
SETTLEMENT
JCP FEE
35.00
.50
5.00
5.00
35.00
,50
5.00
5.00
.00
.00
.00
.00
------------------------ ------------
45,50 45,50 .00
..........*..*..****.**....*.*...*.**..*...*.*.*...........*..**..**.***..**..**
. End of Case Information *
......*..*..**.*..**......*.*.*...*..*.......*...*...*.*..**.*.*......**.**...**
I I t "III"
,1 1111,
.
.
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, r ,'RECEIVED FEB 0 8 19
RECE/Vt.D rta 0 0 tg95
\
" .
WILLIAM G. ROWE
llI1d MARY LOU ROWE
Plaintifi's
: IN nm COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v,
: No, 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
'"
t:.
'.,
PI.AINTIFFS' INTERROGATQBIES TO DEFENDANT
E.IJlST SET
.....
c.
- .
To; Dollar Bank, Federal Savings Bank ~'"
. t.l.l
You arc requircd 10 answer the following interrogatories and verily snme as reeIQred by
Inw and rule of court.
Thesu interrogatories are to bu answered hy you to the uxtcnt of all inlbnnullon that is or
may bu availablu to you, or any person, employee, agenl, experl, nccountant or altollluy who has
acted 01' is now acting on you hehalr
If, after a reasonable and thorough invesligalion, using duu diligunce, you are unable to
answer nny interrogntory, or any purt thereof; onlhe grounds of lack of inibl111ation availablu 10
~'ou, specifY in full and completc detail why the inlblTIlution is not availablo to you and what has
been dono to locatu such inlollnalion, In addition, specily whal knowledge or bcllefyou do have
concerning the unanswered pllltilln of any interrogalory and sell011h lhe lilcts upon which such
knowledge 01' belief is based,
When statements of lilclual inlbl1nation aru requested, such requusted infol1nalio/l
includes thu prm'uction of all 101111alllnd inlilllual tlocumentatilJn which uxplai/ls, c1arifius
dusclibes or in any way relales to thc reljuestell slatementoflilctual inlol'l/latio/l,
por the pl rposes ofthese intelrllgatories, whenever necessary to cnsul'e compleleness 01'
accuracy, words i /lp0l1ing Ihe singular number include Ihe plural and words importing the plural
numher include thJ singular, and words importing the masculine include Ihu ICll1ininu,
Along with Ihe answer 10 each numbered interro!latory identify each person who
participaled In or supplied Intbnlllltlon with respect to the prepllralion of thc response to such
IntelToglltolY, specifying whelher each such person ~upplied reluvllnl illlbllllallon, participated III
Ihe preparatioll of thc respOllse, or bOlh, If the response to any Interrogatory cOlltains
inlbnllalion snpplled by more Ihall one perSlln, specify lhe pllrticulllr illlbnlllltlon supplied by
morc thall onc persoll, specify lhc pllrllcnlnr Inlbnlllllion supplied by each such pcrson, III
addition, specify whether thc Inlhrmntlon supplied by each sllch persoll is based Oil firslhalld
knowlcdgu as to Ihemallersconlaillcdillsuchanswersand.lfnol. thc manner III which hu
acquired such inlbrnmllon,
1. State the exact investigation and effort you pursued to examine Exhibit S before you
answered paragraph number eleven of the complaint, as stated in your Answer filed of record In
the above-captioned matter.
See attached eheot
-,
2. SpecifY all of the contents oflhe "file" when discovered as averred in paragraph number
tbut1een of your Answer filed ot'record In the above-captioned mutter.
The original docum3nt 11I0 wos obtolned rrom the Rocord Retention area
which Included the original Mortguge Deed. The actunl paid In rull file
was never located ,lnd 0 duplicate rile was created.
1.
Clara Preston, Senior Vice President/Operations, was contacted on
August 2, 1994. She was advised that William G. and Mary Lou Rowe
had riled a civil action suit against Dollar Bank ror ralll'rll to comply with
tllll Act of Mey 28, 1715, and os omemlud tho Act of July 31, 1968,
and requostad to call Robert T, MosGnlJr.
Zann Nichols, Assistant Vice PresldenIl0pornti;;:,s, was called to Clara
Preston's otrlcn to dlsCUSG the loon. Ms. Nichols ill1modlotely went to
tho Payoff Dnpnrtment to flltriova tho pnyoff fila. Whon no payoff fila
was found, she immedlotoly hauan to oudie each dosk ilnd fllo cill)lnet
contained within tho Payoff Dopmtmlll1t. An IndeponrJont payorf lIIe Is
kept soparilto from tho loan document 1110 so Zann Nichols pullod the
10lln documont fllo from tll0 FilII Room vault.
Sandra Norman, Custornllr SorVil;U M,111l1gHr, IWCllll10 activoly involved
In tho research WlllHl sho rotumud rrOlll lunch. Durlno this tlnl(! rrome,
tho llnllre Payorr Departl110nt staff 'NOS individually involvlJd in Goorchlno
tho department's dosk:i and caLlinetH as woll. A totol of three soparoto
reviews of this moa occurred on AU[just 2, 19~34.
The Now Loan, Quality Control, ESI:lllW, Custol11ar Service, Investor
Hoportlng and Record Retention nleaB worn also oxarnlnlld by the
dopartl11ont's personnol. As an oxtllnsion of tho samch, 7.onn Nichols,
Sandra Norman, Batty Brown, Payoff Coordinator, and Linda Ady, Payoff
Processor, physically reviowed all paid in rull rllos ror the rollowlng
months:
January
February
March
April
1994
lfJU4
lU9,).
1994
6:.:5 payoff:;
4i 2 pAyoffs
5tl6 poyoffs
[iD 7 pllyoffs
This review procoss bOUDn AUUlJst 2, 1994, and took soveral bus/noss
days to comploto. Tho filos worD cl1oclcod to detormlnlllf Mr. and Mrs.
Rowe's fila had bOOnllllsrllod Into anothor fllo.
Payoff and documont riles that hod escrow funds released five buslnosB
deys prior to and after tho release at the Rowe excess payoff funds were
rllvlowed by Sandi Norman at a lator doto.
Zonn Nichols checked tho Filo Room whore tho 10lln document fllos were
housed to onsure It was not placed In tho .tVo before ond after the
Rowe's document tllo.
3. SpecifY the exact nature oftho "requirements" alleged not to have becn "compllcd with
by counsel for the plaintiffs and/or plaintiffs themselves" as stated in paragraph number twelve
of your Answer flied of record in the above-captioned mailer.
Funds were not sent via cortifled checl<.
The Mortgage Service Center did not charga for the Satlsfectlon fee.
The cost Is absorbod os 0 cost of doing business for thl5'~f'lvastor,
4. Slale with spcclficlty the statuto!)'. regulato!)'. judicial, contractual or other specified
basis forming the claim of "rcqulremellts" as stated in paragraph number twelve of your Answer
filed of record in tho above-captioned mailer.
The answer to paragraph 3 is incorporated herein by referenca thereto.
.' '.
(
(
S. Since what date has Dollar Bank or Its predecessors been lending manics secured by
mortgages In Pennsylvania?
The exact dato of lending In PUl1fliylvanlo Is unknown; Dollor Bnnk has
baenlncorporated slnco 18GG.
6. State the number 01' new mortgage financings conducted by Dollar Bunk in 11ennsylvanla
since January 1,1994,
OnJECTION
....
7. State the number of mortgage refinancings conducted by Dollar Bank in Pcnnsylvanla
since January I, 1994.
OnJECTtoN
8. State the totalall1ount of bunk charges charged to obligors and /1lortgugces in (a) new
mortgage financings and (b) mortgage ref1nuncings in Pennsylvania since January I, 1994.
on.J~:C1'lON
a. S
b. S
9. Stute the total amount of bank charges charged to mortgagees Ibr mortgage satisfactions
In Pennsylvania since January I, 1994.
onJECnON
$
10. Slale the totalnullIbcr of /llortguge satlslitcllons entered or flied of roconl In
Pennsylvania llIore than tbrty-nve days uncI' paymcnt 01' the outstanding principal, In!Urest, and
sutisfnction foe chargcd by the rcspcctive Recorders of Dc cds, since Jununry I, 1994.
OBJECTION
SpecllY the county, llIortgullce(s) and dockctnulllbcr fbr each
I.
~
'..,
11. State the numbcr ofloans securcd by mortgagcs in Pennsylvunla which since January I,
1994 have been completely paid, including principal, interest and Recorders' satisfaction fees,
but remain not satist1ed of record withlnlbrty-five days of such pllymenl.
a. Specify the county, llIol1gllgec(s) Ilnd dockct number for cacho
OBJECTION
(
12. SpecifY each action against Dollar Dank med since 1980 seeking a line for neglect
pursuant to the Act of May 28, 1715, 1 Sm.L. 94, ~ 10, as amended by the Act of July 31, 1968,
P.L. 866, No. 259, ~ I, 2111,S. ~ 682, including the nomo and address oflho mortgagees, tho
counly ofjurisdlctlo", and tho number of days from tho dale of payment (of the principal,
interest and Recorder ofDeed's satisfaction fee) until tho date of satisfaction of record.
We J!0d Ollr Legal Counsel hovo no knOWIB. dge or evidence O1'.pny actions
pursl1ant to this Act baing brought aoalnst Dollar Bank,
."
13. State the amount of manics budgeted by Dollar Bnnk to the marketing ofmortgaBe
products in (a) its entire market and (b) in Pennsylvania for calendar year 1994.
OBJECTION
a. S
b. S
14. State the amount of monies budgeted by Dollar Bank to the processing ofmortBage
satisfactions in (a) its entire market and (b) in Pennsylvania for calendar year 1994.
"I
OB.lI!C'l'ION
a. S
b. S
IS. State the amount ofmonlcs budgeted by Dollar Bank to the collection oflate or
delinquent mortgagc paymcnts In (a) its entire market and (b) in Pelillsylvania for calendar year
1994. OBJECTION
a. S
b. $
16. SpecifY whether Dollar Bank uscs computers in mortgage processing.
Yes.
17. Specify whether Dollar Dunk uscs computers in scheduling and pursuing collection
activity for delinquent mortgnlle payments.
Yes.
18. What is thc naturc and frequcncy of conI acts with o')lIgorslmortgagees for delinquent
mortgage payme.lts. AsslImlngnonpnymeot for eight montils, speclfY the passage of time for
each contact witl, the obligor aller the payment due dute, an i whelher by telephone, mail, or
other menns.
OIl.JECTION
19. SpecifY the totalllll1ount ofpennlties for mortgage late payments collected by Dollar
Bank from mortgagees/obligors In Pennsylvania 11'0111 January I, 1994 to date,
OBJEC;TlON
s
20, State the nanle, address, title, and description of evidence to be presented by each witness
you intend to present at trial.
'"
.....
. The address ror 1111 partlos IlIH110tJ Is:
217 Second St. N.W.
Canton, Ohio 44702
Homo addresses ore Ilvailahlulf required.
Tile following aro Indlvldullls who aro known to I1nvo spoken directly to
tl10 Rowe's:
Cindy Dillon. Customor Sllrvh:e Hupresenlotive
JoLalne Wilco;<, CwlIomer Sorvlco Hopresentotlve
Wo ore still resoerGhinu calls to our BOO nurnl1or. Tills is vory difficult as
tho Customer Servlco Dopnrtmnnt recolvos anllvorogo of 3,100 calls per
month: this does not Include Gillis to l1t1l1lr dllplHtmonts.
Tl10 following are individuals who dlreGt'ld tho search:
Claro "Libby" Prnston, Slll1lor \fIco Prnsldent
Zonl1 Nichols, AS:ii~;tnnt Vice f'rnslder t
Sandra K. !'Jarman, CuSlOnlllr S'Hvlco Mllnager
Tl10 followln\1 am tile prlll1ll1Y individullls who pnrtlciplltad In tho selrcl1:
Clara "Libby" Preston, Sonlor Vlco Pro .ddont
Zann Nlcl1ols. Asslstanl Vh:o I'rosldont
Sondm K. Norman, CustOl11l1r 511rvice Monagor
Betty J. Brown, Payor! Coordlnlltor
Linda Ady, Procossor II
Elizaboth M. Raine, Procllssor II
Cindy Dillon, Customor Sorvlco Roprosontatlve
Sonia Polen, Customer Service Ilopronontatlve
JoLalne Wilcox, Customer SOlvlco Representative
In addition, vllrlous othor doportll1lll1t porsonnel woro Involved, such as
Individuals from Investor Hoportlnu, Nnw Loans, Quality Control, eta.
21. State the nanle, address, title, area of expertise, c/lrrlc/ll/lm vl/aa and anticipated opinion
of each expert witness you intend to present at trial.
None at thie time.
....,
...'
22. Slate specifically the disposition and locations of all the contents ofthe envelope that
accompanied the SI38,911.46 check Dollar Bank negotiated on February 22, 1994, from
February 22, 1994 to date.
See attached sheet
'..,
. ..
23. State the names, tltle~, and addresses ofthe persons who had, and who are responsible for
having possession and conlrol of the contents of the envelope that accompanied the aforesaid
$138,911.46 check, from Febluary 22, 1994 to dale,
Tile following individuals wero responslblo ror possession and control of
the said contents or the ollvdopo:
Frederick Aloxllnder, Cork II (Mall Room)
Elizabeth M. Ralno, Pro :essor II (payoHl
Botty J. Brown, Payoff Coordinator
Linda Ady, Payoff Processor
Sharry Kel1l10r, Investor Roportlng Suporvlsor
('
Tho $138,911.46 chock would havo boon dollverod to tho Mail Room on
the 10th Floor at which tlmo a "date rocolvod" stamp would havo been
placed on tho outside or tho onvelopo. After all tho moll Is sortod. the
22. Payoff procossor Is contacted via tolephono and requosted to pick up tho
mall. Whon tha Procossor opens tho mail, sho dato stamps the check
end Its contonts.
Then a payoff rile Is creatod and a copy of tho payoff check Is placed In
this fllo with eny correspondonco that accompanied tho chock, and tho
con1puter genoratod payoff statornelll previously provldod on the
account.
.....
,
The actual payoff thon occurs througi\ our computer system. A batch
balancing loy along with tho payoff checks aro taken dolly to tho
Payment Proces~ing Dopmtmunt wtwre the checks ara proconsed for
each loan.
Tho Processor returns to her work Drea Dnd generatos 0 letter off the
computor acknowlodglng rOClliptllf the payoff funds and sonds It to the
customer,
Tho payoff rile Is thlln hand dellvlHod to the Invostor Roportlng
Deportmont for their rovlow. A cupy of tl10ir p., OX Report Is flied in the
payoff file und thoy raqullst un'{ doclllTlents in the Invostor's possession,
such as tho Note. T/1o filo Is roturlled to tho Payoff Department within
24 hours.
The payoff fllo Is housod within tile Payoff Deportment. Within 30 days,
any oxcoss runds are rotlJrnod to tl10 customer altor vorlflcatlon with the
orlglnol docurnont file nnd pa'{off file. Tl10 packago includes 0 Substitute
1098, The custOlTlllr'S l1azord inSlIrilnCll company Is notified to romovo
our namo as mortgageD. This occurred un Morch 14, 1994.
It appears that tho Huwo loon wall prOl;ossod through theso slOgoS.
In addition to tho aboVl', wu would thon:
a. Pull the Mortnage Deud for USI) In proparin[J the Satisfaction.
b. Tho original eJocu,nent rIIo In rOlllrllod to the RocoreJ Ratentlon
Doportment and tlm procosslng Gontlnues using the payoff tllo.
0, Tho payoff rIIo remains in tho Payoff Department ror proparotlon
of the Satisfaction.
d, Tho Satisfaction eXflonso Is requested from corpora to runds for
this Invostor,
0, The Satlsfoctiun oxpensll, original Mortgago De~'d ond Setlsfectlon
oro than sont to tho County for cancollatlon.
f. Upon roturn roeell1\ rrl1l11 tho County and InvllHtor, tho original
Mortguge, Sotislnetiol1 ilnd Nolo oro sonlto thu r:UHtUI110r with n
5ystol11 oenl!rotecJ IUllllr.
g. Till! olillinol dOCI/IlllHll fill! and payoff 1110 orol11t1l\JfHI and fllod for
rotolltiO!1 PIJlI)l)!jL1S.
-
.
r
i
.
. .
. .
. .
24. State tile name and address of the Individual who Is the custodIan of the records
pertaining to all the foregoing answers.
The custodlen of the records Is Clara "Libby" Preston, et 217 Second St.
N.W. In Canton, OhIo.
....
-,
....
.
. ..
I hereby verify that the statements made In the foregoing and all attachments
and documents herewith are true and correct. I understand thet false statements
herein are made subject to the penoltles of 18 Pa.C.S. Section 4.904, relatIng to
unsworn falsification to authorities.
Dated:
1:1/t,/9Y
j1b/1.1l(}~ " SVP
Signature Title
.
.
(: "
.-
( .
'-,
Objections are made to paragraphs 6, 7, B, 9, 10, 11, 13, 14, 15,
18, 19 based on the fact that they are vexatious, overly broad, and
sre not likely to lead to any admissible information germane to
this case.
. .,
lumIBIT A
"t, ~,~.; " ,":
WILLIAM G, ROWE
alld MARYLOU ROWE
Plaintill's
: IN TilE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v,
: No, 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
DANK
Defendant : CIVIL ACTION
ORDER
NOW,
, 1995, upon due consideration of the Plalntifl's
Motion to Dismiss Objections to Interrogatories, it is hereby ordered that a Rule Issue upon the
Defendant requiring it to show cause why the rellefrequested should not be granted.
The Rule Is returnable 2. 0 tl, '1 f. fr 3 .... s,CJ 11/ c. Co. .
Notice of this order shall be sent to the persons stated below.
Dy the Court,
Frederick I. Huganir, Esq.
far Plaintllli
CuiJl~'''' ,.,,.,':c,-.l
:d r, /1,.,-
_.~ .1
William P. Douglas, Esq.
for Defendant
li..1RIditu2.row
rr H' l - f"
J,11 ,,,
,. I' ~j I.,
,J
WILLIAM G. ROWE
and MARY LOU ROWE
PlaintilTs
: IN TIlE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, I'ENNSYL VANIA
v.
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
MOTION TO DISMISS OBJECTIONS TO INTERROGATORIES
NOW come I'laintilTs, and move to dismiss the Defendant's objections to Interrogatories
as follows:
I. Plaintiff seeks discovery through answers to written interrogatories certain evidence
which is relevant to a fact-finders determination of the sum the Defendant shall forfeit and pay
to Plaintiffs as a "fine for neglect" under the Act of May 28, 1715, 1 Sm.L. 94, ~~ 9-10, as
amended by the Acts of October 28, 1983,1'.L. 194, No. 52, ~ I, and of July 31, 1968, P.L. 866,
No. 259, ~ I, 211'.5. ~~ 681-682.
2. The Act of May 28,1715, I SIl1.L. 94, ~ 9, as amended by the Act of October 28, 1983,
P.L. 194, No. 52, ~ 1,21 P.S. ~ 681, provides:
Any mortgagee of any real or personal cstates in the Commonwealth, having received
full satisfaction and paymcnt of all such sum and sums of money as are really due to him
by such mortgage, shall, at the rcquest ofthe mortgagor, enter satisfaction either upon the
margin of thc rccord of such mortgage recorded in the said office or by means of a
satisfaction piece, which shalllbrever thereafter discharge, defcat, and releasc the same;
and shall likewise bar all actions brought, or to be broughtthcreupon.
3. The Act of May 28, 1715, I SIl1.L. 94, ~ 10, as amendcd, by the Act of July 31, 1968,
P.L, 866, No. 259, ~ I, 211'.5. ~ 682, provldcs:
And if such mortgagec, by himself or by his aHorncy, shall not, within forty-five days
after request and tender made for his rcasonable charges, return to the said office, and
there makc such acknowledgemcnt as uforesaid, he, she or thcy, neglecting to do so, shall
for every such ofience, forteit and pay, unto the party or parties aggrievcd, any sum not
.,'
- ,
fir
( rc.-tvM 'fv ....' ;-1, ' . ' ;RECE~V~~ FEB 0 8 1995
::.J. ~ r~ ~~CEIVtO rta 0 0 1995 ..
r~rYo#Jl"
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
WILLIAM G. ROWE
and MARY LOU ROWE
Plwntill"s
v.
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defcndant : CIVIL ACTION
, ,
,
--,
PLAINTIFFS' INTERROGATORIES TO DEFENDANT
FIIlST SET
. ,
..~..
..
t,ll
U,
To: Dollar Bank, Fcderal Savings Bank
You arc requircd to answer thc following intcrroglltories and vcrily sllmc as rcquired by
law and rule of court.
These interrogatories are to be answered by you to thc extcnt of all intbrmation that is or
may bc available to you, or any person, employec, agent, expert, accountant or attorney who has
actcd or is now actin!! on you behalf
If, aller a rcasonable and thorough invcstigation, using duc diligencc, you arc unablc to
answer any interrogatory, or any part thereof, on the g;ounds of lack of information available to
you, spccify in full and complctc dctail why the infomlation is not availablc to you and what has
bcen done to locatc such inlormation. In addition, specify what knowledge or bclief you do have
concerning the unanswered portion of uny intcrrogatory and set lbrth Ihe facts upon which such
knowledge or bclief is based.
When stntemcnts oftilctual infornllltion are requested, such requestcd inlbrmation
includes the prOl'uction of alllOlll1al and illlomm! documentation which explllins, clarifies
describcs or in ary way relntes to the requested statcment of factual intormation.
For the pl rposes of these interrogatories, whenevcr neccssary to cnsure completencss or
accuracy, words i nporting the singular numbcr include thc plural and words importing thc plural
number include th.) singular, and words importing the masculine include the fcminine.
Along with the answer to each numbered interrogatory idcntify each person who
participated in or supplied inlbnnation with rcspcct to the prcparation of the response to such
interrogatory, specifying whethcr each such pcrson supplied relevant inlormation, participated in
the preparation of the rcsponse, or both. Ifthc response to any interrogatory contains
infornlation supplied by morc than one person, specify the pnl1lcular Inlormation supplied by
morc than one person, specify thc particular information suppllcd by each such person, In
addition, specify whether the inlormation suppllcd by cnch such pcrson Is based on firsthand
knowledge as to the mattcrs contained in such answers and, if not, the manner in which hc
acquired such information.
, :
These interrogatories are continuing In naturo and responses which defendant later learns
are Inaccurate or incomplete are to be reasonably supplemented.
With regard to any document that Is supplied In answer to any interrollatOl}', indicate on
the face thereof the interrogatOl}' or interrogAtories to which said document is responsive.
If documents once In the possession of the defendant are the subject of an interrollatory
hercin, and such documents are no longer in the possession. or subject to the control, ofthe
defendant, stato when such documents were most reccntly In the possession. or subject \0 the
control, of the defendant nnd whAt disposition was made of them, including Identification of the
person now in possession of, or exercising control over, such documents. If the documents have
bcen destroyed, state whcn and whcrc thcy were destroyed und thc person or person who
directcd thclr destruction.
A request for the location of documents constitutes a request to state the present address
at which such documcnts are kcpt, if known and if not known, the last address known and
information as to their disposition.
A request for the identity of n pcrson constitutes a rcquest for his namc, his present
business address, ifknown and if not know, has last known business and rcsidence address.
When exact Information is not available in responding to an interrogatory, use or provide
the best estimate which is available. Designate any cstimatc so used or provided as such and
state the basis, source and/or other dedvation of such cstimate.
1, State the exact Investigation and effort you pursued to examine Exhibit 5 before you
answered paragraph number eleven of tho complaint, as stated In your Answer flied of record in
the above-captioned matter.
See attached sheut
"'-1
2. SpecUY all of the contents ofthe "file" when discovered os averred In paragraph number
fourteen of your Answer filed of record in the ubove-coptioned mailer.
The original docum3nt file was obtained from the Record Retention area
which Included the orlolnal Mortgage Deod. Tho actual paid In full file
was never located dnd n duplicate file was creeted.
1.
Clara Preston, Senior Vice President/Operations, was contocted on
August 2, 1994. She wos advised that Wllllom G. and Mary Lou Rowe
had filed a civil action suit against Dollnr Bank ror folium to comply with
the Act of May 28, 1715, and as amendod thu Act of July 31, 1968,
and requestod to call Robert T, MOSGllllf.
Zann Nichols, Assistant Vice prosidllnt/Opp.mti;;11s, was called to Clara
Preston's office to discuss the loan. Ms. Nichols immediately went to
the Payoff Department to mtrieva the payoff file. When no payoff file
was found, she Immudlately began to Iludit oach desk and file cabinet
contained within tho Payoff Depnrtnlllnt. An IndoplJnrJent payoff file Is
kept separate rrom tho loan document file so Zann Nichols pulled the
loan documont rile from tho File Room vault.
Sandra Norman, Customer Sorvil;o Monegor, bocl1me actively involvlld
In tho resoarch when sho rnturnod from lunch. During this time frame.
the entire Payor! Departmont staff wes individually Involved in !learchlng
the department's desks and cabinets os well. A total of three separate
rovlews of this area occurrod on August 2, 1994.
The Naw Loan, Quality Control, Escrow, Customer Sarvlce, Investor
Reporting and Record Retention mens wero also examined by tho
department's personnel. As an oxtension of tho search, Zann Nichols,
Sandra Norman, BellY Brown, Payoff Coordinator, and Linda Ady, Poyoff
Processor, physically roviewod all paid in full riles for the following
months:
January
February
March
April
1994
1994
1994
1994
6::5 poyoffG
4;2 payoffS
546 payoffs
507 payoffs
This review process bl!gan Auuu5t 2, 1994, ond took severol business
days to completo. The riles were checkod to determine If Mr. and Mrs.
Rowe's rile had been mlsHled Into onother file.
Payoff and document files that had escrow funds raleased five business
days prior to and after the release of the Rowe excess poyoff funds were
reviewed by Sandi Norman at 0 later date.
Zann Nichols checked the File Room whore the loon document files were
housed to ensure It was not placed In thll .LUll before and after the
Rowe's documont rile.
3. SpecUY the exact nature of the "requirements" alleged not to have been "complied with
by counsel for the plalntUfs and/or plaintiffs themselves" as stated in paragraph number twelve
of your Answer filed of record in the above-captioned maller.
Funds were not sent via certified checl(.
The Mortgage Service Center did not charge for the Satisfaction fee.
The cost is absorbed as 0 cost of dolno busln055 ror thls-ffivestor.
4. State with specificity the statutory, regulatory. judicial, contractual or other specified
basis fonning the claim of "requirements" as stated in paragraph number twelve of your Answer
flied of record In the above-captioned malter.
The anewer to paragraph 3 is incorporated herein by reference thereto.
.
5. Since what date has Dollar Bank or its predecessors been lending monies secured by
mortgages in PennsylvanJa?
The exact date of lending in PUllnwlvanla is unknown; Dollar Bank has
been Incorporated since 1855.
6, State the number of new mortgage financings conducted by Dollar Bank in Pennsylvania
sin~e January I, 1994.
OBJECTION
7. State the number of mortgage refinancings conductcd by Dollar Bank in Pennsylvania
since January I, 1994.
OBJECTION
8. State thc total amount of bank charges charged to obligors and mortgagees in (a) new
mortgage financings and (b) mortgage refinancings in Pennsylvania since January I, 1994.
OBJECTION
a. S
b. S
9. State the total amount of bank charges charged to mortgagees tor mortgage satisfactions
in Pennsylvania since January I, 1994.
OBJECTION
S
10. State the total number of mortgage satisfactions entercd or tiled of record in
Pennsylvania more than forty-five days aller paymcnt ofthc outstanding principal, intcrest, and
satisfaction fee chargcd by the respective Recorders of Deeds, since January I, 1994.
OBJECTION
Spccify the county, mortgagee(s) and docket number tor each
.
I'
....,
11. State the number ofloans secured by mortgages In Pennsylvania which since January I,
1994 have been completely paid, including principal, interest and Recorders' satisfaction fees,
but remain not satisfied of record withln forty-live days of such payment.
a. SpecifY the county, mortgagee(s) and docket number for each.
OBJECTION
--
(
12. Speclly each action against Dollar Bank filed since 1980 seeking a fine for neglect
pursuant to the Act of May 28, 1715, 1 Sm.L. 94, fi 10, as amended by the Act of July 31, 1968,
P.L. 866, No. 259, fi .,21 P.S. fi 682, including the name and address ofthe mortgagees, tho
county of jurisdiction, and the number of days from the date of payment (of the principal,
interest and Recorder ofDeed's satisfaction fee) until the date of satisfaction of record.
We J!0d our Legal Counsel have no knOWledge or evidence of any actions
purs17ant to this Act being brought against Dollar Bank.
13. State the amount of monies budgeted by Dollar Bank to the marketing of mortgage
products In (a) Its entire market and (b) in Pennsylvania for calendar year 1994.
OBJECTION
a. $
b. $
14. State the amount of monies budgeted by Dollar Bank to the processing ofmortgagc
satisfactions in (a) its entire market and (b) in Pennsylvania for calendar year 1994.
OBJECTION
a, $
b. $
15. State the amount of monies budgeted by Dollar Bank to the collection oflate or
delinquent mortgage payments in (a) its entire market and (b) in Pennsylvania for calendar year
1994. OBJECTION
a. $
b. $
16. SpecifY whether Dollar Bank uses computers in mortgage processing.
Yes.
17. SpecifY whether Dollar Bank uses computers in scheduling and pursuing collection
activity for delinquent mortgage payments.
Yes.
18. What is the nature and frequency of contacts with obligors/mortgageea for delinquent
mortgage payme.lts. Assuming nonpayment for eight months, specifY the passage of time for
each contact will. the obligor after the payment due date, and whether by telephone, mall, or
other means.
OBJECTION
19. Spectty Ihe total amount of penalties for mortgage late payments collected by Dollar
Bank from mortgagees/obligors in Pennsylvania from January I, 1994 10 dale.
OBJECTION
$
20. Stale the name, address, title, and description of evidence to be presented by each witness
you Intend to present at trial.
,
i'
I
. The address for all parties named Is:
.",
217 Second St. N.W.
Canton, Ohio 44702
Homo addresses are available If required.
The following ara Individuals who are known to have spoken dlractly to
the Rowe's:
Cindy Dillon, Customer Sorvlce Representative
JoLaine Wilcox, Customer Service Representative
Wa ere stili rasaarchlng calls to our 800 number. This is very difficult as
tho Customer Service Dopartment receives an overage of 3,100 calls per
month; this does not Include cells to other depertments.
The following are Individuals who directed the search:
Clara "Libby" Preston, Senior Vice President
Zann Nichols, Assiswnt Vice President
Sandra K. Norman, Customer Servicl! Manager
Tho following aro the primary Individuals wllo participated In the se.lrch:
Clara "Libby" Preston, Senior Vice President
Zann Nichols, Assistant Vice President
Sandra K. Norman, Customer Service Manager
Betty J. Brown, Payoff Coordinator
Linda My, Procossor \I
Elizabeth M. Raine, Procassor II
Cindy Dillon, Customer Service Representative
Sonja Polen, Customer Sorvica Represantatlve
JoLalne Wilcox, Customer Service Representative
In addition, various other deportment personnlll were Involved, such as
Individuals from Invostor neportlng, New Loons, Quality Control, etc.
21. State the name, address, title, area of expertise, cu"lclIl/IIn vitae and anticipated opinion
of each expert witness you intend to present at trial.
None at this t 1me.
..,
22. Slate specifically the disposition and locations of all the contents of the envelope that
accompanied tile $138,911.46 check Dollar Bank negotiated on FebrulU}' 22, 1994, from
February 22, 1994 to date.
See attached sheet
23. Slate the names, titles, and addresses ofthe persons who had, and who are responsible for
havlns possession and control of the contents of the envelope that accompanied the aforesaid
$138,911.46 check, from February 22, 1994 to date.
Frederick Alexander, Clerk II (Mall Rooml
Elizabeth M. Raine, Procossor II (Payoff)
Betty J. Brown, Payoff Coordlnotor
Linda Ady, Payoff Processor
Sherry Kehner, Investor Reporting Supervisor
The following individuals wore rllsponsiblo ror possession and control of
the seld contents of tho envelope:
22.
.....
The $138,911.46 check would hove been delivered to the Mall Room on
the 10th Floor at whlchtlmo 0 "dote recolved" stomp would havo been
placad on the outside of the onvelope, After all tho mall Is sorted, the
Payor! Processor Is contacted via tole phone and requested to pick up tho
mall. When the Processor opens the mail, sho date stamps the check
and Its contents.
Thon a payoff rile Is created and 0 copy of the payor! chock Is placed In
this file with any correspondence that accompanied the check, and the
computer generated payoff statement previously provldod on the
eccount.
The actual payor! then occurs through our computer system. A batch
balancing log along with tho payoH checks are taken dolly to the
Payment Processing Department whore the checks are processed for
each loan.
The Processor returns to her work area and generates a leller orf the
computer acknowledging receipt of tho payoff funds and sends it to the
customer.
The payoff rIIo Is then hand delivered to the Investor Reporting
Department for their review. A copy of their P.l0X Report is filed in the
payoff fila and they request any documents In the Investor's possasslon,
such as the Note. The file is returned to the Payoff Department wlehln
24 hours.
The payor! file Is housed within the Payoff Department. Within 30 days,
eny excess funds are returned to tho customer after verification with the
original document file and payoH rIIo. The packege includes a Substitute
1098. The customer's hazerd Insurance compeny Is notified to removo
our name as mortgagee. This occurred on March 14, 1994.
It appears that the Rowe loon was processod through these stages.
In addition to the above, we would then:
a.
Pull the Mortgage Deed for use In preparing the Satisfaction.
b.
The original document file Is returned to the Record Retention
Department and the processing continues using the payor! file.
The payoff rile remains In the PayoH Department for preparation
of the Satisfaction.
c.
d.
The Satisfaction exponse is requested rrom corporate funds for
this Investor,
e.
'.,
The Satisfaction expenso, original Mortgaga Deed and Satlsraction
are thon sont to the County ror cancellation.
f.
Upon return receipt from tho County and Invllstor, tho original
Mortgage, Satisfaction al1ll Noto me sonttn tho customer with a
systom \Junornted lottl!f.
g.
Tho original docul11lJnl fllo ond pllyoff 1110 are l11or\JI!!] and flied for
retention plHp0505.
"
.
. .
'-
24. State the name and address of the Individual who Is the custodian of the records
pertalnlng to aU the !bregoing answers.
The custodian of the records Is Clera "Libby" Preston, et 217 Second St.
N.W. In Canton, Ohio.
-.
-.
.
. !.
I hereby verify that the statements made In the foregoing an':! ell attachments
and documents herewith are true and correct, I understand that false statements
herein are made subject to the peneltles of 18 Pa.C.S. Section 4.904, relating to
unsworn falslflcetlon to authorities.
Datod:
I~/~/tl'f
_~~-/l(7~ ,. S()p
Signature Title
,',
(.
Objections are made to Paragraphs 6, 7, a, 9, 10, 11, 13, 14, 15,
la, 19 based on the fact that they are vexatious, overly broad, and
are not likely to lead to any admissible information germane to
this CAse.
EXHIBIT A
.~.,i,,\::,: .Ij. _ . ,,', ..... ... ".
j ~ .0' .' "." .
WILLIAM G. ROWE
and MARY LOU ROWE
Plaintiffs
: IN 11m COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v,
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
PLAINTIFFS' BRIEF IN SUPPORT OF
()) MOTION FOR JUDGMENT ON 11m PLEADINGS. and
(2\ ~OTION TO DIsMiss DEFENDANT'S OBJECTIONS TO INTERROGATORIES
I. Statement of the Case
William G. Rowe and Mary Lou Rowe, Plaintiffs, own real property at 211 Old Stone
House Road, in Middlesex Township, Cumberland County. 1 On May 31, 1991, they had
obtained a loan ofS143,ooO.00 from Dollar Bank Federal Savings Bank, the Defendant, and they
gave a mortgage on the realty to secure the note for that loan? On the same day, the mortgage
was recorded in the Cumberland County Recorder ofOeeds' office.! Almost three years later,
the Rowel decided to refinance the obUgation with Fanners Trust Company ofCarUs1e, so on
February 9, 1994, Dollar Bank provided tile Rowes and their attorney with a notice for payoff
which specified an address for tender of monies and request for satisfaction.. On February 14
and 22, 1994, Dollar Bank received from Rowes two payments on the respective dates at the
specified address: (1) $1,080.59, which Is the amount equal to the regular monthly mortgage
payment, and (2) $138,911.46, which is the amount ofthe payoff for satisfaction as provided by
I Cootplainl and Answer, para. I and J.
I Complainl and Answer, para. 4, and "I!xhibill' aUacbed to Complaint
I Complainl and Answer, para. 5, and "Ilxhibill' allal:bed to Complaint
· Complalnl and Answer, para. 7, and "I!xhibil 2' allal:bed to Complaint
Dollar Bank.' Thosc paymenta were in excess of the sum of (1) the balance due to Dollar Bank
from the Rowes, and (2) reasonable fees charged for satisfYing the mortgage.6 The second
payment was accompanied by (and referenced in) a written request that the Dollar Bank enter
satisfaction on the record.' On February 22, 1994, the Defendant accepted that second payment
as represented by the endorscment eatered on the back of the payoff check.'
1
I.
i
On March 14, 1994, Dollar Bank refunded $1,049.68 to the Rowes which is the excess
over the sum of the outstanding balance and a reasonable fee satisfaction fee.' Notwithstanding
the full payment and specific request for satisfaction, Dollar Bank failed or refused to satistY the
mortgage of record. 10 TIus action to quiet title and for the statulo'Y fine for neglect was flied
July II, 1994, one hundred thirty.nine (139) days after the debt was fully paid by the Rowes, and
not until August 12, 1994, one hundred seventy-one (171) days after full payment, did Dollar
Bank see fit to satistY the mortgagell (four days before the Answer was signed).
Paragraph 22 of the Dollar Bank Mortgage provides:
Upon payment of all sums secured by this Security Instrument, this Security Instrument
and the estate conveyed shall tenninate and become void. After such occurrence, Lender
I Complain! and Answer, para. 8 and 9, BOd "Exhibil"] and "Exhibil4' aUached \0 ComplainL.
. Complain! and Answer, para. 10, and "Exhibil2' ol\aChed \0 Complaint
, Complain! and Answer, para. II, and "Exhibit 5' auached to Complaint Counsel for defendanl docs nol
conIcSt thai "Exhibit 5' II part oflhc record. The cowt can Iakc judicial notice of the Complainl with all cxhlbill
,1l""Jvd thereto flied of record. The docwnenl denoted "Exhibil 5' has nol been denied.
· See n. S,lupm.
, Complainl and Answer, para. I] and 14. Dollar Ow infers in paragraph 15 ofill Answer lhal il did nol
charge a fee for I181isfaction, which comport! with paragraph 22 of the Mortgage.
10 Complainl and Answer, para. 14.
1\ Complaint and Answer, para. 14. 1110 quicltille action II Ulcreforc moolll5l1lis jW1cture.
sha11 discharge and satistY this Security Instrument without charge to Borrower.
Borrower sha11 pay any recordation costs.11
A portion of the real property was subject to a new mortgage granted to Fanners Trust
Co. of Carlisle, Pennsylvania, which bank had loaned funds to Plaintiffs based upon the security
of a first mortgage interest in those premises. 11l8t mortgage interest was threatened by DoUar
Bank's failure or refusal to comply with the Act of May 28, 17\5, I Sm.L. 94, ~~ 9 & 10, as
amended, 21 P.S. ~~ 681 & 682, insofar as the Rowes' unsatisfied mortgage of record on their
premises. 13
The relief requested by the Rowes in their complaint is a money judgment in the amount
of up to one hundred forty three thousand ($143,000.00) doUars, pursuant to the penalty imposed
by the Act of May 28, 1715, 1 Sm.L. 94, ~~ 9 & 10, as amended, 21 P.S. ~~ 681 & 682, plus
interest, costs and attorneys' fees. The Rowes filed a motion under Pa.R.Civ.P. 1034 seeking
adjudication of the issue of liability in favor of the Plaintiffs and against the Defendant.
Plaintiffs' Interrogatories were served upon counsel for DoUar Bank, and the Answers
thereto contained various and sundry objections to questions posed to the Defendant. The
Rowes request the Court to dismiss the objections and compel DoUar Bank to timely serve an
Answer to aU the Interrogatories.
II
Complaint and Answer, para. 17, and M\!xhlblt I' attached to ComplaInL
II Complaint and Answer, para. 21.
II. Anrument
A TIlE PLEADINGS DEMONSTRATE THERE EXISTS NO GENUINE ISSUE OF
FACT AS TO TIlE DEFENDANT'S LIABILITY FOR FAILURE TO SATISFY PLAINTIFF'S
MORTGAGE; PLAINTIFF IS ENTITLED TO PARTIAL JUDGMENT AS A MATTER OF
LAW.
A Motion for Judgment on the Pleadings is authorized by Pa.R.Civ.P. 1034, which if
granted, would further thc intercsts of judicial economy by limiting the role of the fact-finder to
detennining the wnount of the penalty or "fine for neglect."
This Court's standard of review for the Plaintiffs' Motion for Judgment on the Pleadings
is well-settled:
A motion for judgment on the pleadings should be granted only where the
pleadings demonstrate that no genuine issue offact exists, and that the moving party is
entitled to judgment as a mutter of law. Pa.R.Civ.P. 1034. Thus, a trial court must
confine its considcration to the pleadings and relevant documents and accept as true all
well pleaded statements of fact, admissions, and any documents properly attached to the
pleadings presented by the party against whom the motion is filed. The court may grant
judgment 00 the pleadings only where the moving party's right to succeed is certain and
the case is so free from doubt that trial would clearly be a fiuitless exercise.
McAllister v. MII/ville Mutual IlIsurance Co., 433 Pa.Super. 330, 334, 640 A.2d 1283, 1285
(1994), Baroll JJ v. Techllical Services Associates, IIIC., 44 Cwnb.L.J. 135, 138 (1995). For an
analysis of law governing the Plaintiffs' claim, thc Court is directed to the relevant statutes at 21
P.S. ~~ 681 and 682.
The Act of May 28, 1715, I Sm.L. 94, ~ 9, as wnended by the Act of October 28, 1983,
P.L. 194, No. 52, ~ 1,21 P.S. ~ 681, provides:
Satisfaction of mortgage on margin of neord or by .atl.factlon piece
Any mortgagee of any real or personal estates in the Commonwealth, having received
full satisfaction and payment of all such sum and sums of money as are really due to him
by such mortgage, shall, at the request of the mortgagor, enter satisfaction either upon the
margin of the rccord of such mortgage recorded in the said office or by means of a
r
satisfaction piece, which shall forever thereafter discharge, defeat, and release the same;
and shall Ilkewisc bar all actions brought, or to be brought thereupon,
The Act of May 28, 1715, I Sm.L, 94, ~ 10, as amended, by the Act oflu1y 31, 1968, P.L. 866,
No. 259, ~ 1,21 P.S. ~ 682, provides:
Fine for neglect
And if such mortgagee, by himself or by his attorney, shall not, within forty-five days
after request and tender made for his reasonable charges, return to the said office, and
there make such acknowledgment as aforesaid, he, she or they, neglecting to do so, shaIl
for every such offence, forfeit and pay, unto the party or parties aggrieved, any sum not
exceeding the mortgage-money, to be recovered in any Court of Record in this
Commonwealth, by bill, complaint, or information.
Clearly, then, the only inquiries for this Court as to the issue of liability are as foUows, and as
stated in the Statement of the Case, supra, the answers to these inquiries are fully and plainly
addressed by the pleadings filed of record.
Elements ofInQuit}:;
Answer from Pleadinp:
1. Is Dollar Bank the mortgagee? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes
2. Is the mortgage on Rowes' real property? ... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes
3. Have Rowes tendered to Dollar Bank all sums of money due? . . . . . . . . . . . . . . . . . . . . . Yes
4. Did Rowes request satisfaction? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes
5. Did DoUar Bank fail to enter satisfaction within forty-five days after tender and request? . Yes
The pleadings demonstrate without ambiguity that no issue offact exists in regard to
whether there is an "offence" (i.e., liability). TIlerefore, Section 682 mandates as a matter oflaw
that Dollar Bank "shall for every such offence, forfeit and pay, unto the party or parties
aggrieved, any sum not exceeding the mortgage-money."
It Is submitted that the pleadings resolve these issues in favor of the moving party, and
judgment as to liability for a penalty should be entered accordingly.
B. ALL PLAINTIFFS' INTERROGATORIES ARE RELEVANT TO ENABLE THE
FACT-FINDER TO DETERMINE THE AMOUNT OF PENALTY. AND THE OBJECTIONS
SHOULD BE DISMISSED.
Dollar Bank objects to eleven questions posed by the Rowes, claiming they are
"vexatious, overly broad, and are not likely to lead to any admissible information gennane to this
case,"
A review of the questions will indicate that within the totality of the circumstance ofthis
case, the questions are entirely appropriate for legitimate inquiries of the fact-finder to determine
the amount of the penally or "fine for neglect" against Dollar Bank. Thot is, the questions and
the IU\ljweTS they seek are relevant and gennane to this case.
The Defendant appears to be under the mistaken impression that only actual damages
may be proved, and therefore relevant to the fact-f1nder's inquiry. On the contrary, the
Pennsylvania Supreme Court held in Werner v. Automobile Fillallce Co., 347 Pa. 217, 31 A.2d
898 (1943) that
the trial court did have the right to review the evidence for the purpose of determining
whether it supports the penally assessed. Granting that there is a distinction between
damages and penalties, that the former are awarded as compensation to the aggrieved
party and the latter are imposed with the primary object of punishing the offender
(Cel/lral R. R. Co. v. Greet/, 86 Pa. 427, 27 Am.Rep. 718), the penalty fixed by the Act of
171 5 is intended to accomplish both purposes.
The broad limitation of this act, that the penalty shall not be more than the face of
the mongage, which may be large or small, implies that tbe amount IlIsessed will be
detennlned by a consideration of tbe circumstances. A further examination ofthe
circumstances that may be considered by the jury suppons our main conclusion. While it
has been held that a plaintiff is not required to prove that he has suffered actual damages
in order to make out a case (Crawfordv. SimcJ//, 159 Pa. 585, 588, 28 A. 491; Graham v.
Mt. Airy B. & L. Ass'l/, 102 Pa.Super. 116, 121, 156 A. 592), it does notfollow tbat
actual damages and other circumstances are not elements for consideration In
detennlnlng the penalty to be Imposed. ... Certainly the actual injury to Plaintiffs is a
matter for consideration. Among tbe circumstances to be considered are also the
attitude and conduct of the defendant willi reference to the act. They may inquire
whether the defendant's conduct was wanton and wilful. As it was expressed in Hel/ry v.
Sims, I Whan. [187,] page 200: 'Everything which can and does make acts the subject of
, .
praise or censure; as of honesty or dishonesty, of kindness or cruelty, may enter into the
consideration of the jury'.
Werner v. Automobile Finance Co., supra at 219-220, 31 A.2d at 899, emphasis added.
The objected-to questions address the issue of setting the amount ofthe penalty (not to prove
damages) by learning of the circumstances relating to the attitude Wld conduct of the defendant.
Ironically, Dollar Bank relies upon Krevollll v. Williams, 160 Pa.Super. 411, 51 A.2d 422
(1947) for a proposition that the Interrogatories are not relevant, when in fact Krevolill (relying
upon Werner) emphasizes "that the jury must be instructed that tbe penalty found sball bear I
proper rdatlon to the circumstances Ind conditions surrounding the neglect to sltlaCy," Id
at 416, 51 A.2d at 425.
Certainly, the resources of Dollar Bank and how it chooses its priorities in allocating its
resources in regard to the transfer and collection of monies due to it, and satisfactions due from
it, are relevant. That is to say, Dollar Bank may allocate a substantial amount of ita time and
resources to collection of monies from mortgagees, but when it is time for Dollar Bank to deliver
something of value to mortgagees, that effort may not be given the resources a jury would
reasonably anticipate in the circumstances. Clearly, the bargaining power in the relationship
between the powerful interstate banks and saving and loans on one hand, and the mom and pop
residential borrower on the other, is one-sided. The remedy afforded by the statutel4 is needed
even more today than when first enacted due to the ever-increasing gulf between the distant,
anonymous financial institutions and the unsophisticated borrower. The penalty deterrent is
crucial to a balancing of that relationship to satisfy the statutory purpose. To achieve penalty
objectives, the "attitude and conduct" ofDollar Bank becomes relevant and germane, and the
14 The Act of 17\ S hu two hundred eighty YClIf1 of wisdom bchiJu1 it, and it'H continued enforcement has
been ratified by thc amendments of lite O''1lCl'al Assembly in \968 WlU \986,
. ,
allocation of its resources is circumstancial evidence of that "atttude and conduct," Werner v.
Automobile FllIIJ/lCe Co., supra. If the objections were to be sustained, it would restrict the
inquiry to actual damages, and Werner specifically finds that such a restriction would be
r.ontrary to law.
It is submitted that the questions presented are analogous to the questions a trial court
addresses to a child-support scoffiaw in a contempt proceeding. Both mutters envision not just
damages, but also a statutory penalty for the violation. It would be ludicrous to say that the
resources of either are not relevant to the court's inquiry, for the relative amoWlt of the assets
and liabilities, the allocation of resources, and the activities of the scoffiawlDollar Bank insofar
as their "attitude and conduct" towards ensuring their statutory obligations are met are directly
relevant to the assessment of a penalty (in addition to damages).
Dollar Bank next argues that the interrogatories are "vexatious." Rules of Civil
Procedure 4000 . 4025 do not address discovery in terms of "vexatiousness," but an analogy of
the term can be drawn from 42 Pa.C.S.A. Sec. 2503(9), which states that conduct is considered
"vexatious,. for purposes of awarding counsel fees because of vexatious conduct of opposing
coW1SCI, iflt is instituted without sufficient grounds and serves only to cause annoyance. A1s
stated above, there is a clear legal basis for discovering the information sought by the
Interrogatories, so the argument must fail that the questions posed are without sufficient grounds
and only cause annoyance. II
Finally, Dollar Bank states that the questions posed are "overly broad." TIle questions
posed are really quite specific, and the information sought Is peculiarly within the possession of
II In any event, PLR.Civ.l'. 4003.1 provides !hat "'Ii. not ground for objection lhal!he infll/ll1Ation lOugbl
will be inlIdmillllllble at the trill iftllC information lOugbl appe8l1l relllOllably cllcu1ated to leod 10 tile diacovCl}' of
edmissible evidence."
. .
Dollar Bank. Dollar Bank already gathers and disseminates far morc infonnatlon than that
requested herein to the United States Department ofthc Treasury for Federal regulatory
purposes,I6 and in far greater detail, so Dollar Bank Is under no great burden to actually havc to
gather ncw infonnation.
m. Conclusim1
The pleadings demonstrate there exists no genuine Issue offact as to thc Defendant's
liability for failure to satisfY plaintiff's mortgage, so the Plaintiffs are entitled to partial judgment
as to liability as a matter of law, and partial judgment substantially promotes judicial economy.
All the interrogatories posed by the Plaintiffs are relevant to the issues to be presented to
the fact-finder, and the objections should be dismissed.
RespectfulJy submitted,
I' Sea 12 C.F.R. 1561 elleq.
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Cumberland County Pennsylvania
Plaintiffs
vs
95 . 3774 Civil Term
Dollar Bank, Federal Savings Bank
Defendants
Civil Action Law
nrlef III SUJlJlort oJ'the IlcJ'elldallts' Objectlolls to Discovery
This acllon involves the failure of the defendant to satisfy a mOI.tgage within
forty five days of the request to do so.
Counsel for the plaintiff sent,) check to the defendant and asked them to sallsfy
the mortgage in question. On two subsequentoccas(ons, Ihe plaintiff called the
defendant and inquired about whether his mortgage had cleared or not, and If a
refund check had been in the right amount.
When the plninllff went to take out a loan wllh Parmer's Trust, he was informed
that 0 lien was stili of record at the court house. The plaintiff contacted his
attorney Mr. J-Iuganlr 10 rectify the slluallon. Mr. Huganlr made no effort to
contoct the defendants, but waited several weeks, then filed sull, The defendants
immedioteJy searched for the payoff doculllents of Mr, and Mrs. I{owe with no
success.
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WILLIAM G. ROWE
and MARY LOU ROWE
VS.
I IN THE COURT OF COMMON PLEAS
I OF CUMBERLAND COUNTY, PENNA.
I NO. 94-3774 CIVIL TERM
I CIVIL ACTION LAW
I JURY TRIAL DEMANDED
ANSWER
DOLLAR BANK,
FEDERAL SAVINGS BANK
1. Admitted.
2. Admitted.
3. Admitted.
4. Admitted.
5. Admitted.
6. Admitted.
7. Denied as stated. Exhibit 2 speaks for itself.
8. Admitted.
9. Admitted.
10. Denied as stated. Exhibit 2 speaks for itself, and the
requirements of Exhibit 2 were not complied with by couneel for the
plaintiffs and/or the plaintiffs themselves. Said money, however
was eventually received and said checks cleared.
11. After reasonable investigation, counsel for the defendant
has not seen Exhibit 5, and, therefore, is unable to respond at
this time.
12. Admitted.
13. Admitted.
14. Denied. Upon receipt of the complaint, the defendant
made a search for the file of the plaintiffs, which had been
misplaced, discovered said file, and promptly satiefied the
mortgage in question on August 12, 1994.
15. Denied as stated. As the plaintiff previously stated in
paragraph 12, the $12 satiefactlon fee wae returned to them in this
matter.
16. Admitted. However, this matter has been satiefied in the
Cumberland County Recorder of Deeds Office.
17. The mortgage speaks for itself.
lB. The statute epeaks for itself.
19. The statute speake for itself.
20. Denied. After reasonable investigation, the defendant is
unable to determine the veracity of the averment.
21. Admitted.
WHEREFORE, it ie prayed that the plaintiffs' complaint be
dismissed.
COUNT 2
22. The anewers to the aforesaid paragraphs are incorporated
herein by reference.
23. The defendant claims no lien against plaintiffs'
property.
24. The said mortgage has been satisfied.
25. The said mortgage has been satisfied.
WHEREFORE, it is prayed
dismissed.
that the plaintiffs' complaint be
-J' "
\" . \ ) I
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William P. Douglas \
Attorney for Dollar Bartk
ArrIDAVIT
COHHONWIALTH or PINNSYLVANIA
COUNTY or OUMBIRLAND
To the belt of my knowledge, information and belief, the fotevolnv
ANSWlR il true and correct.
of lB pa. O.B.
Auvu1t lB, 1994
..
SIIERIrr'S RETURN
COMMONWEALTH or PENNSYLVANIA
COUNTY or CUMBERLAND
In the Court of Common Pleas of
Cumberland County, Pennsylvnaia
No. 94-3774 civil Term
Complaint in Civil Action Law
and Notice
William U. Rowe and
Mary Lou Rowe
VS
Dollar Bank, Federal Savings Bank
R. THOMAS KLINE, Sheriff, who being duly sworn according to law,
says, that he made diligent search and inquiry for the within named
de fendan t, to wit I Dollar Bank , Federal Sav inge Bank
bu t was unable to loca te them
in his bailiwick. He therefore
deputized the sheriff of
County, Pennsylvania,
Allegheny
to serve the within Complaint in Civil Action Law and Notice
On
Auguet OB, 1994
, this office was in receipt of
the attached return from
Allegheny
County, Pennsylvania.
Sheriff's CostSI
Docketing
Out of County
Surcharge
Allegheny County
So answerSI
14.00
5.0 ~/,~.~;t'./ '~. .,,-J
2.00
23.00 R. THOMAS KLINE, Sheriff
44.00 P~:0~~9~tty.
to befo1:'e lne
Sworn and subscribed
this
Jt ~ day of a...r.r
,/1/ ,A.D.
19
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Dollar flank, Federal Savings
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28.
WILLIAM G. , MARY LOU ROWB a IN THB COURT OF COMMON PLBAS OF
PLAINTIFFS a CUMBBRLAND COUNTY, PBNNSYLVANIA
a
V a
a
DOLLAR BANK, FBDBRAL SAVINGS a CIVIL ACTION - LAW
BANK a
DEFBNDANTS a 94-3774 CIVIL TERM
ORDIR or COURT
AND NOW, FBBRUARY 24, 1995, the above-oaptioned matter
is hereby continued upon relation to the Court that Judge Oler
has recently directed this case be listed for the next Argument
Court, counsel to relist for trial when ready.
By ths Court,
': l \'_ . it....-
Harold B. Sheel , P.J.
Frederick I. Huganir, Bsquire
For the Plaintiff
William P. Douglas, Esquire
For the Defendant
Court Administrator
add
c.,r~ ,,~ut
3/" (~~.
.l,. f' ,
1- .;p
I'.;"
WILLIAM G. ROWE
and MARYLOU ROWE
Plalntiffa
: IN TilE COURT OF COMMON IILEAS OF
: CUMBERLAND COUNTY, IIENNSYL VANIA
v.
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
PRAECIPE fOR LISTING CASE FOR ARGUMENT
To the Prothonotary:
Please list for Argument Court the following:
if ",-
-
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-
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IJ#
. , :I
,. .
.. ~
I. Plaintiffs' Motion for Judgment on the Pleadings and Plaintiffs' Motion to
Dismiss Objections to Interrogatories.
2. Counsel who will argue the case are:
Frederick I. Huganir, Esq.
HUGANIR LAW OFFICES
22 West Pomfret Strcct
Carlisle, PA 17013-3216
for Plaintiffs
William P. Douglas, Esq. for Defendant
DOUGLAS, DOUGLAS & DOUGLAS
27 West High Street
Carlisle, PA 17013-0261
3. I will notify in writing within two days that this case has been listed for argument.
4. The Argument Court date is April ~, 1995. I
/-_.---.-,/
~. .:peCtlU1IY ~~~lJted/';J) /2
, . ( . I .
/ . i ./ .
I .. '-. '""
I Fr crick I. Huganlr, Esq, /
l HUGANIR LAW pF~(~ES
22 Wesl Pomfret Sln{e{
Carlisle, PA 17013
(717) 249-6272
lil..........._
'X
WILLIAM G. ROWE and
MARY LOU ROWE,
Plaintiffs
IN TIIB COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
CIVIL ACTION - LAW
DOLLAR BANK, FEDERAL
SAVINGS BANK,
Defendant
NO. 94-3774 CIVIL TERM
ORDER OF COURT
AND NOW, this lo1L day of February, 1995, upon consideration
of Plaintiffs' Motion for Partial Judgment on the Pleadings, the
motion is referred to the Prothonotary for filing and counsel are
requested to list the matter for argument at such time as they deem
it appropriate.
BY TilE COURT,
~
/If
J.
Frsderick I. Huganir, Esq.
Attorney for Plaintiff tl~' i'M...i....I V"/~f--
William P. Douglas, Esq.
Attorney for Defendant
Irc
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WILLIAM G. ROWE
and MARY LOU ROWE
Plaintills
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
pRDER
NOW,
, 1995, upon due consideration of the Plaintiffs
Motion for Partial Judgment on the Pleadings, it is hereby ordered that 8 Rule issue upon the
Defendant requiring it to show cause why the relief requested should not be granted.
The Rule is returnable
Notice ofthls order shall be sent to the persons stated below,
By the Court,
Frederick I. Huganlr, Esq,
for Plaintiffs
WllUam P. Douglas, Esq.
for Defendant
IiI'mljudpl,lllw
J.
WILLIAM G. ROWE
and MARYLOU ROWE
PlaintiO's
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
ORDER
NOW,
, 1995, upon due considcration of the Plalntlft's
Motion for Partial Judgment on the Pleadings, and after review of the Complaint and Answer
filed in this maller, the Court hercby finds that the avemlents of Plaintiffs and the admissions of
Defendant are disposltivc of the Issue of liability.
It is hereby Ordcrcd that judgment is entered in favor of Plaintiffs and against Defendant
as to the issue of liability. The issue of darn ages only shall bc submilled to the fact-finder in due
coursc.
Noticc ofthls order shall be sent to the persons statcd below.
By the Court,
J.
Frederick I. Huganir, Esq.
for Plaintiffs
William P. Douglas, Esq.
for Defendant
Iil'ooljudpl.row
. .
WILLIAM G. ROWE
and MAR V LOU ROWE
Plaintill's
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: No. 94 - 3774 CIVIL TERM
DOLLAR BANK, FEDERAL SAVINGS
DANK
Defendant : CIVIL ACTION
MOTION FOR PARTIAL JUDGMENT ON THE PLEADINGS
NOW come Plaintiffs, and move for partial judgment on the pleadings 8S follows:
1. The Act of May 28,1715, I Sm.L. 94, ~ 9, as amended by the Act of October 28,1983,
PL. 194, No. 52, ~ 1,21 P.S. ~ 681, provides:
Any mortgagee of any real or personal estates in the Commonwealth, having received
full satisfaction and payment of all such sum and sums of money as are really due to him
by such mortllage, shall, at the request ofthe mortllagor, enter satisfaction either upon the
margin of the record of such nlOrtgalle recorded in the said office or by means ofa
satisfaction piece, which shall forever thereafter discharge, defeat, and release the same;
and shall likewise bar all actions brought, or to be brought thereupon.
2. The Act of May 28, 171 5, I Sm.L. 94, ~ 10, as amended, by the Act of July 31, 1968,
P.L. 866, No. 259, ~ 1,21 P.S. ~ 682, provides:
And if such mortllallee, by himself or by his allomey, shall not, within forty-five days
after request and tender made for his reasonable chargcs, return to the said office, and
there make such acknowledllemcnt as aforesaid, he, she or they, neglectinll to do so, shall
for evrry such offence, forfcit and pay, unto thc party or parties al!l!rieved, any sum not
exceeding the mortgage-moncy, to bc recovered in any Court of Rccord in this
Commonwealth, by bill, complaint, or infonnation.
3. The defcndant by its Answcr admits that it fulled to enter satisfaction as required by the
aforesuid statutes, and no valid defense is raised as to liability.
4. The Defendant is not contesting that Exhibit 5 attached to the Complaint Is part ofthe
record herein.
5. The only Issue for the fact-tinder is the sum to be forfeited and paid to the Plaintiffs (I,e"
damages).
WHEREFORE, PlaintUTs request that judgment be entered that Defendant isUable to
Plaintiffs under the Act of May 28,1715,1 Sm.L. 94, ~~ 9-10, as amended by the Acts of
October 28, 1983, P.L. 194, No. 52, ~ I, and of July 31, 1968, P.L. 866, No. 259, ~ 1,21 P.S. U
681.682.
\I1'mo\1~1.JOW
'~l
.;..".,
..,
PRAECIPE FOR LISTING CASE FOR TRIAL
(Must be typewrltton snd submllled In duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY
Pleasa list tho following caso:
'-
..
:.r:
r .,
C:.l
(Chock one)
) for JURY trial at the next lorm of civil oourt.
( ) for trial wlthoul e jury. <:..
...............................................................................................................................................1;1..........................
...., -
.. -
.......-:'l-,
CAPTION OF CASE
(entire caption must bo statod In full)
(chock ono)
(K) Assumpsll
c.Q
U"l
William G. Rowe and
Mary Lou Rowe
Trospass
Trespass (Motor Vehicle)
(Plolntlll)
U"_ --- ---.fc)ITioi)"------
va.
The trial list will be callod 01\ _______
Dollar Bank, Federal
Savinge Bank
l6f1<k ...__l:J!hn!llr,Y.-21. .199L__________.
(Dorendanll
Trials commflnco on .HllrclL1D ....ll'l ~
Protrlula will bo heh! on _.!:1.~r.~~'--~.-~~-----.
(Brlofs aro dUll 5 days bofore pretrials.)
(Thl! porly listing this coso for trial sholl provide
forthwith 0 cop / 01 tho praecipe to all counsel,
pursuant 10 lOCI I Rule 214.1.)
vs.
No.9!t=:ll7.L Civil _. _..__.__._____ 19__
Il\dlcato the atlorney who will try case lor the parly who Illes Ihls praecipe:
William P. Douglas, Esquire
Indlcolo trial counsal for other parties II known:
..ndllr-~Gk__h_llullani.r.,-lialjui Fe
This coso Is ready for trial.
Signed: .
William P. Douglos
Print Namo:
Atlorney for: _~:~~11l111~______
Onto: ___.:!.~~.:_LH~_ 1995 .
, .
"
,
'"
, I ;RECEIVEO FEB 0 B 1.
RECEIVt:Drt:B 0 0 1995 "
.-
,
\
,
WILLIAM G. ROWE
and MARY LOU ROWE
Plalntift's
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: No. 94 - 3774 CIVIL TLRM
DOLLAR BANK, FEDERAL SAVINGS
BANK
Defendant : CIVIL ACTION
!lMlur! ( J,.'
-"
PLAINTIFFS' INTERROGATORIES TO DEFENDANT
FIRST SET
To: Dollar Bank, Federal Savings Bank
You arc required to answcr the following interrogatories and vcrify same as required by
law and rule of court.
Thesc interrogatories arc to bc answered by you to the cxtent of all infonnation that is or
may be available to you, or any person, cmployce, agent, expert, accountant or attorney who has
acted or is now acting on you behalf
If, aller 0 reasonuble and thorough investigation, using due diligence, you arc unable to
answer any interrogatory, or any part thercof, on the grounds oflack ofinfonnation available to
you, spccifY in full and complcte detail why the infornmtion is not available to you and what has
been done to locatc such infonnation. In addition, specify what knowledge or belief you do have
concerning the unanswered portion of any interrogatory IInd set Ibrth the facts upon which such
knowledge or bellefis based.
When statements offuctual infornmtion UfC requested, such requested infonnation
includes the prOt'uction of all formal and inlannal documentation which explains, c1arifics
describes or in U1~y way relates to the requcsted statement of factual inlbnnation.
For the pI rposes of these interrogatories, whenever necessary to ensure completencss or
accuracy, words i nportingthe singular number includc the plural and words importing the plural
number include thJ singular, and words importing thc masculine include the feminine.
Along with the answer to each numbered interrogatory identifY each person who
participated in or supplied InfomlUtion with respect to the prcparation of the rcsponsc to such
interrogatory, specifying whethcr cach such person supplicd rclevant inlbrnmtion, participated in
the preparation ofthc rcsponse, or both. If the response to any interrogatory contains
infornlation supplied by more than one person, specify the particular inlbnnation supplied by
marc than onc person, specify the particular infonnation supplied by each such person. In
addition, specify whether the inlannation supplied by each such person is based on firsthand
knowledge as to the matters contained in such answcrs and, if not, the manncr in which he
acquired such infommtion.
Thesc interrogatories are continuing in nature and responses which defendant later learns
are Inaccurate or incomplete are to be reasonably supplemented.
With regard to any document that Is supplied in answer to any interrogatory, indicate on
the face thereof the intcrrogatory or interrogatories to which said document Is responsive.
If documents once in the possession of the defendant are the subject of an Interrogatory
herein, and such documents are no longcr in the possession, or subjcctto the control, ofthe
defendant, statc when such documents were most recently in the possession, or subject to the
control, of the defendant and what disposition was made ofthcm, including identification of the
person now In possession of, or exercising control over, such documents. If the documents have
been destroyed, state when and where they were destroycd and the person or person who
directed their destruction.
A request for the location of documents constitutes a requcstto state the present address
at which such documcnts are kept, if known and if not known, the last address known and
intormation as to their disposition.
A request for the identity of a person constitutes a request for his name, his present
business address, if known and if not know, has last known busincss and residence address.
When exact information is not available in responding to an interrogatory, use or provide
the best estimate which is available. Designate any estimate so used or provided as such and
state the basis, source and/or other derivation of such estimate.
V,my ,'" R,"m '''' "''"W''''?'", ~~ '<{7
fA;' / II
V ,~l /- . ' ,v.~
Frederie I. I-Iugamr;- Esq. ..
, .
,HUGANIR LAW OF~'I .
i ~~,West PomlTet Str.e~t
~arlisle, PA 17013-3" 6
1. State the exact investigation and elTort you pursued to examine Exhibit 5 before you
answered paragraph number eleven of the complaint, as stated in your Answer filed of record in
the above-captioned matter.
See attached eheet
...,
2. SpecIfY all ofthe contents ofthe "file" when discovered as averred In paragraph number
fourteen of your Answer med of record in the above-captioned matter.
The orlglnol docum3nt rile was obtained rrom the Record Retention area
which Included the original Mortgage Deed, The actual paid In full file
was never located ,lI1d a duplicate rile was created.
l.
Clara Preston, Senior Vice President/Operations, was contacted on
August 2, 1994. She was advised that William G. and Mary Lou Rowe
had flied a civil action suit against Dollar BanI< ror failure to comply with
the Act of May 28, 1715, and as amended tha Act of July 31, 1968,
and roquested to call Robert T. MesGnor.
~
Zann Nichols, Assistant Vice PresldentlOperatlons, was called to Clara
Preston's offico to discuss the loan. Ms. Nichols immedlntely went to
the Payoff Department to retrieve the payoff rilo. When no payoff file
was found, she Immediately began to audit each desl< and file cabinet
contained within the Payoff Depnrtl1111nt. An IndeponrJent payoff file Is
kept separate from the loan document file 50 Zann Nichols pulled the
loan document file from the File Room 'Inuit.
Sandra Norman, Customer Servlco Manager, became actlvoly Involved
in the research when she returned from lunch. During this time frame,
the entire Payoff Department staff was Individually involved in Gearchlng
the department's desks and cabinets as well. A total of three saparate
reviews of this area occurrod on August 2, 1994.
rhe New Loan, Quality Control, Escrow, Customer Service, Investor
Reporting and Record Retention mens were also examined by the
department's personnel. As an extension of tho search, Zann Nichols,
Sandra Norman, Betty Brown, Poyort Coordinator, and Linda Ady, Payoff
Processor, physically reviewed all paid In full riles for the following
months:
January
February
March
April
1994
1994
1994
1994
6:\5 payoffs
4i2 payoffs
546 payoffs
507 flllyoffs
This review procoss bllgan August 2, 1994, and tool< several business
days to Gomplete. The flies wore Ghecl<nd to determine If Mr, and Mrs.
Rowe's file had been misfiled Into another file.
Payoff and document files that had escrow funds released five business
days prior to and after the release or the Rowe excess payoff funds were
reviewed by Sandi Norman at a later date.
Zann Nichols checked the File Room whore the loan document files were
, housed to ensure It was not placed In tho .tUe before and after the
Rowe's document file.
3. SpecifY the exact nature of the "requirements" a1legcd not to have been "complied with
by counsel for the plaintiffs and/or plaintiffs themselves" as stated in paragraph numbcr twelve
of your Answer filed of record in the above-captioned mallcr.
Funds were not sent via cortlrled checl<.
The Mortgage Service Center did not chargo for the Satisfaction fee.
The cost Is absorbed as a cost of dolno business for thls--k1vestor.
4. State with specificity the statutory, regulatory, judicial, contractual or other specified
basis fonning the claim of "requirements" as stated in parugraph number twelve of your Answer
filed of record in the above.captioned matter.
The answer to paragraph 3 Is incorporated herein by refarence thereto.
5. Since what date has Dollar Bank or its predecessors been lending monies secured by
mortgages in Pennsylvania?
The exact date of lending In Penn,wlvonla Is unknown; Dollar Bank has
been Incorporated since 1855.
6. State the number of new mortgage f1nancings conducted by Dollar Bank in PeMsylvania
since 1anuary I. 1994.
OBJECTION
7. State the number of mortgage refinancings conducted by Dollar Bank In Pennsylvania
since 1anuary 1, 1994.
OBJECTION
8. State the total amount of bank charges charged to obllgors and mortgagees in (a) new
mortgage financings and (b) mortgage refinancings in Pennsylvania since 1anuary I. 1994.
OBJECTION
a. $
b. $
9. State the total amount of bank charges charged to mortgagees lor mortgage satisfactions
in PeMsylvania since 1anuary I, 1994.
OBJECTION
$
10. State the total number of mortgage satisfactions entered or filed of record in
Pennsylvania more than forty-fivc days after payment of the outstanding principal, intcrest, and
satisfaction fee charged by the respective Recorders of Deeds, since 1anuary I. 1994.
OBJECTION
SpecifY the county. mortgngee(s) and docket number tor each
(
(
-,
11. State the number ofloans secured by mortgages In Pennsylvania which since 1anuary I,
1994 have been completely paid, including principal, interest and Recorders' satisfaction fees,
but remain not satisfied of record within forty-five days of such payment.
a. Specify the county, mortgagee(s) and docket number for each.
OBJECTION
12. Specity each action against Dollar Bank lUed since 1980 seeking a fine for neglect
pursuant to the Act of May 28, 1715, 1 Sm.L. 94, ~ 10, as amended by the Act ofJuly 31, 1968,
P.L. 866, No. 259, ~ 1,21 P.S. ~ 682, including the name and address ofthe mortgagees, the
county of jurisdiction, and the number of days from the datc of payment (of the principal,
interest and Recorder ofDced's satlsl'actlon fee) until the date ofsatlsfactlon of record.
We and our Legal Counsel have no knowledge or evidence ot any actions
purSU'ant to this Act being brought against Doilar Bank,
19. SpecifY the total amount of penalties for mortgage late payments collected by Dollar
Bank from mortgagees/obligors in Pennsylvania from January I, 1994 to date,
OBJECTION
s
20. State the name, address, title, and description of evidence to be presented by each witne..
you intend to present at trial.
. The address ror all parties named Is:
...,
217 Second St. N.W.
Canton, Ohio 44702
Home addresses ara available If requlrod.
The following are Individuals who ore known to have spoken directly to
the Rowo's:
Cindy Dillon, Customer Service Rapresentotlve
JoLalne Wilcox, Customer Service Representative
We are stili researching calls to our BOO numbar. This Is very difficult as
the Customer Service Department receives an average of 3,100 calls per
month: this does not Include calls to other departments.
The following are Individuals who directed the search:
Clara "Libby" Preston, Senior Vice President
Zann Nichols, Assistant Vice President
Sandra K. Norman, Customer Servico Manoger
The following are the prlmory Individuals who portlclpated In the seuch:
Clara "Libby" Preston, Senior Vice President
Zann Nichols, Assistant Vice President
Sandra K. Normon, Customer Service Managor
Betty J. Brown, Payoff Coordinator
Linda Ady, Processor II
Elizabeth M. Raine, Processor II
Cindy Dillon, Customer Service Reprosentotlve
Sonia Polen, Customer Service Representative
JoLaine Wilcox, Customer Servlco Representative
In addition, various other department personnol were Involved, such es
Individuals from Investor Reporting, New Loens, Quality Control, etc.
21. State the nanle, address, title, area of expertise, clm/cul,,", vI/ail and antlclpatod opinion
of each expert witness you intend to present at trial.
None at this time.
22. State specifically the disposition and locations of all the contents of the envelope that
accompanied the $138,911.46 check Dollar Bank negotiated on February 22, 1994, from
February 22, 1994 to date.
See attached eheet
; ~
, ..
23. State the names, titles, and addresses of the persons who had, and who arc responsible fur
having possession and control ofthe contents ofthe envelope that accompanied the aforesaid
$138,911.46 check, from Februwy 22, 1994 to date.
The following Individuals were responsible for possession and control of
the seld contonts of tho envelopo:
Frederick Alexander, Clerk II (Mall Rooml
Elizabeth M. Raine, Processor II (Payorfl
Betty J. Brown, Payoff Coordinator
Linde Ady, Payoff Processor
Sherry Kehner, Invastor Reporting Supervisor
. .
('
22.
The $138,911.46 chock would hove boon dollvorod to thll Mull 1100m on
the 10th Floor at whlchtlll10 a "dOlo received" stomp would hllvu buon
placed on the outsldo of the onvelopo. AIlOr 011 11111 nHlII Is sortod, the
Payoff Processor is contactad via telephone ond roquolitod to pick lip tho
mall. When tha Processor opens the mall, she dolo stomps 1I1I! t:hock
and its contenes.
Than a payoff fila Is created and a copy of tho payoff r;het:k Is pieced in
this file with any correspondenco that accompaniod thOI;hlll;k, IInd tho
computer generated payoff staternel1l previously provided on thu
account.
~
The actual payoff then occurs through our COll1putor !lystclln, A beIGh
balancing log along with thll payoff r;hlll;kli 010 lilkllll doily to tho
Payment Processing Department wllllre 11111 dmcks IlIII Pflll;III1Sod for
each loan.
The Processor returns to hor work mOll IInd Ullntlllltn!l 11 Inllnr oft tho
computer acknowledging receipt 01 thu pllyuff IlJlldn .11111 sends It to tho
customer.
The payoff fllo is then hand dollvurlld to Ihll InvlI/llm l1oporllng
Depertment for their revlow. A cupy of 11lIIlr !'-lOX Ilupnrt 15 flllld In the
payoff file and they requost eny dOI:Ull1enlii In lhlllnvlllillll'S possession,
such as the Note. Tho file Is roturnod to lhu !'lIyoff DUpllrll110nt within
24 hours.
The payoff rile Is housed within the Poyoff Dllpllltl11l1nt. Within 30 deys,
any axcass funds are returned to the custUfI1l1r of tor vnrlfir;nllun with tho
original document rile end payoff file, Tho plll:klllJO Int:ludos n Bulllllltuto
1098. The customor's hazard InsuronGo GOfl1pony Is 11I1I11IIIcI to rnmove
our name as mortgagee. This ucr;urrod un MllrGh 1". I DB",
It appears that the Rowo loen WOlI prUl;lIl1lilld 1/lIll1ll1h thoslI sWUos.
In addition to the above, wo would thlln:
a, Pull the Mortgago Dood for USII in plIJplHlnu thll l3ollshu:tlon.
b. The original documol1l filII Is rllturnllrl to IIllI RIIC:lHd Rotontlon
Department and thll proGosslnll continI/liS llslng tho puyoff fIIo.
o. The payoff lillI romalns In tho !'lIyoff DllpnrllllOnl for proporatlon
of the Sotlsfoctlull.
d. Tho SollslnGlllln UXplllHl1I 18 1I1lllllHltnd hurn norpllrote runds for
this II1Vlls\or.
e, Tho Satlsllll:titHI "XPllllIJlf, III iuinul MOftuo(je Oll;;() ond Satisfaction
arc lhun SUllt tll Ih" County IlH Gnrll;nllutloll.
f, Upun IUIlHll rncullll hOlll 1111I COUllty nlltl Investor, tho original
Mllrtuu(ju. tinlhlilclIllll lI11d Notll Illl) suntto tho customer with a
SYStIHll IJIH11l1i1111l11lltt1l1
ll. Thu lllllllllill d'Wllllll",IIIIII illld pily"III,lu iHlIllllH{Jod ilnd flied lor
lOII111(11)111)llfl)C)lil!!i,
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24. State the name and address ofthe individual who Is the custodian of the records
pertaining to all the foregoing answers.
The custodian of the records Is Clara "Libby" Preston, at 217 Second St.
N.W. In Canton, Ohio.
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I hereby verify that the statements made In the foregoing anrj all attachments
and documents herewith are true and correct. I understend that false statements
herein are made subject to the penalties of 18 Pe.C.S. Section 4.904, relating to
unsworn falsification to authorities.
Dated:
I~/~lrl
_&(IA/1-/l0&A, SUP
Signature Title
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Objections are made to paragraphs 6, 7, 0, 9, 10, 11, 13, 14, 15,
10, 19 based on the fact that they are vexatious, overly broad, and
are not likely to lead to any admissible information germane to
this caBe.
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WILLIAM G. ROWE and
MARY LOU ROWE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
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v.
CIVIL ACTION - LAW
DOLLAR BANK, FEDERAL
SAVINGS BANK,
Defendant
NO. 94-3774 CIVIL TERM
IN REI PLAINTIFFS' MOTION FOR PARTIAL JUDGMENT
ON THE PLEADINGS
BEFORE SHEELY. P.J. and OLER. J.
ORDER OF COURT
this 2~~ay of April, 1995, upon consideration of
AND NOW,
Plaintiffs' Motion for Partial Judgment on the Pleadings, and
pursuant to an agreement of counsel reported at oral argument on
April 19, 1995, Plaintiffs' motion for summary judgment on the
issue of liability as to Count 1 of Plaintiffs' Complaint (entitled
"Fine for Neglect") is GRANTED and Count 2 of the Complaint
(entitled "Quiet Title") is DEEMED MOOT.
BY THE COURT,
Frederick I. Huganir, Esq.
22 West Pomfret Street
Carlisle, Pa 17013
Attorney for Plaintiff
William P. Douglas, Esq.
27 West High Street
Carlisle, PA 17013
Attorney for Defendant
n"..,.1'..t " IJ.!:1/ 'I ~..
- C','~J " ~Ml (!
Ire
SG. ", I:' I, ~,)I',
.
WILLIAM G. ROWE and
MARY LOU ROWE,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
I
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CIVIL ACTION - LAW
DOLLAR BANK, FEDERAL
SAVINGS BANK,
Defendant
NO. 94-3774 CIVIL TERM
IN REI PLAINTIFFS' MOTION TO DISMISS OBJECTIONS
TO INTERROGATORIES
BEFORE SIIEELY. P.J. and OLER, J.
ORDER OF COURT
this Z'i11l day of April, 1995, upon consideration of
AND NOW,
Plaintiffs' Motion to Dismiss Objections to Interrogatories, and of
Defendant's Response to Motion To Dismiss Objections to
Interrogatories, and the matter having been improvidently listed
for argument at the argument court of April 19, 1995,1 the matter
is STRICKEN from the argument court list and a discovery conference
is SCHEDULED in the chambers of Judge Oler on Tuesday, June 6,
1995, at 9100 a.m.
BY THE COURT,
oL/
Frederick I. lIuganir, Esq.
22 West Pomfret Street
Carlisle, Pa 17013
Attorney for Plaintiff
See C.C.R.P. 210-14.
WILLIAM G. ROWE and
MARY LOU ROWE,
plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
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v.
CIVIL ACTION - LAW
DOLLAR BANK, FEDERAL
SAVINGS BANK,
Defendant
NO. 94-3774 CIVIL TERM
AND NOW, this
ORDER OF COURT
t,tt, day of June, 1995, after careful
consideration of Plaintiffs' Motion To Dismiss Objections to
Interrogatories, and of Defendants' Response to Motion To Dismiss
Objections to Interrogatories, and following a conference in
chambers with counsel for the parties, the motion is DENIED,
without prejudice to Plaintiffs' right to file more limited
interrogatories regarding Defendants' normal mortgage eatisfaction
operation.
BY THE COURT,
Frederick I. Huganir, Esq.
Attorney for Plaintiff
_ ~&- ~ r.,/r.. '15:.p,
William P. Douglas, Esq.
Attorney for Defendant
Irc
JUM G 2 ~2 rH '95
nil,' QfflC~
or till r~\,ltIOH~Hh\
tUMIIP'1 ~HQ r' ,!~ n
~[HWj\i'i~Hl.
I'ItABCII'B FOIt I,IS'I'ING CASE FUIt TllJAI.
(Must llc typcwrittcn <lnd suunittcd in duplicate)
'ro 'I1U; PlUnmJ1'MY OF CtMlElUNV COUN'I'Y
Please list
the following easel
( ~or JUIlY trial at
the next term of civil court.
(Check one)
for trial witllOut a jury.
--------------------.---------------------
CAP'I'JON OF CASE
(entire caption must be stated in full)
(check one)
( ~CiVil Action - Law
{,JI' l (AM (Y-. ~O 4J":
/'tA~Y L-Pu R,.owP
Jlppeal from Arbitration
(other)
( Plaintiff)
VS.
~L~ /).41--1 K rEA t:R ~!.
>Av (N6-$ tfJ~k
The trial list will be called on
and !\f"<ttl ),6'-) <', Iff, l'
Trials comrence on r;l~ ~ C'r Iff.!?
Pretrials will be held on (~.... Z /f P
(Briefs are due 5 days before pre1."tpalsl. )
(The party Jieting this case for trial shall
provide forthwith a copy of the prl'lecipe to
all counsel, pursuant to local Rule 214.1.)
(Defendant)
VS.
t-b. '] 7 tlf Civil
19 r., r f
for the party who files this praecipe I
f( ~ r .:J#s.
Indicate trial counsel for other parties if known I
~idJ2..y-
Indicate the attorney who will try case
P~(:J2ICk (. f<V6.A(tJ(~
tvr l.- l. rAf1
p.
hov~,
This case is ready for triaL
/U /
I FIEJJ ~ 1c..Jc j.
Attorney for~:::r..s4/~'TIFF~
/ ~
1.f (k:.J...Ilt-J I
Signed I
Print
Datel /0112 7(U
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WILLIAM G. ROWE
and MARY LOU ROWE,
Plaintiffs
v.
DOLLAR BANK FEDERAL
SAVINGS BANK,
Defendant
I
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 94-3774 CIVIL TERM
ORDER OF COURT
AND NOW, this \"!.'t\, day of January, 1998, upon relation of
Frederick I. Huganir, Esq., attorney for Plaintiffs, that the above
matter has been settled, the case is stricken from the trial list.
BY THE COURT,
Frederiok I. Huganir, Esq.
22 West Pomfret Street
Carlisle, PA 17013
Attorney for Plaintiffs
William P. Douglas, Esq.
27 West High Street
Carlisle, PA 17013
Attorney for Defendant
Court Administrator - /ltt~1I d<_ew........tL.. i.~ I :3'-,,!~
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).H.~ .':', ,"":j
Ii"; : (I ~ ~.: '1\ .,1' l: (I
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WILLIAM G. ROWE
and MARY LOU ROWE
l'lalntitlli
: IN Tim COURT OF COMMON PLEAS OF
: CUM13ERLAND COUNTY, PENNSYLVANIA
v,
: No, lJ4 - 3774 CIVIL TERM
DOLLAll13ANK, FEDEllAL SAVINGS
BANK
Defendant : CIVIL ACTION
IJRAECIPE
To the Prothonotary:
Please enter on the record that the above-captioned matter is satisfied, discontinued, and
ended,
\
F lIerlck I, HUllanir ;
UGANIIl LAW .
22 West Pomfret t.
PO Box 308
Carlisle, PA 170 (3-0308
717-249-6272
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