HomeMy WebLinkAbout94-04691
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OFFICE OF 'nIE PIDllIU\OIlMY
aJM8ERLl\ND CDW'lY CDtlR'lmUSE
SJl1rn HANOIIER S~l'1u:a:.'l',~
CARLISLE, PA 17013
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1F1t:Q _RA LOPEZ
'-';1;45 NORlH EAST &1='1'
CARLISLE, PA 17013 ~,
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NO FORWARD ORDeR ON FZLe
UNABLe TO FORWARD
RETURN TO SENDER
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(Rule of civil Prooedure No. 236) - Revi.ed
J:N THB COURT OF COMMON PLBAS OF CtlMBBRLAND COUNTY, PBNNSYLVANJ:A
CIVIL ACTJ:ON - LAW
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FAIRFJ:BLD APFILJ:ATBS 010 G.B.
CAPJ:TAL ASSBT MANAGBMENT CORPORATJ:ON
Plaintiff
NO. 94-4691 CJ:V~L ~BRM
f',
vs.
r,:::
SAUNDRA LOPEZ
Defendants
<-0
,..n
Notice is given that a Judgment in the above-captioned
matter has been entered against you on) I &-, 1. If f)-
By, 1,",1, :J) pM L7JPtrrY
If you have any questions concerning this matter, please
<hunk <Jw.wn0Jl.
FRANK FEDERMAN. ESOUIRE
Attorney for Party Filing
Two Penn Center Plaza, Suite 900
Philadelphia, PA 19102
(215) 563-7000
contact:
I'
PEDERMAN AND PHELAN
BYI FRANK FEDERMAN
J:dentiUcationNo. 12248
Two Penn Center Plaza - Suite 900
Philadelphia, PA 19102
(2151 563-7000
PAIRPIELD APPJ:LIATES 0/0 G.B.
CAPJ:TAL ASSBT MANAGEMENT CORPORATION
2000 WEST LOOP SOUTH, SUITE 1300
HOUSTON, TX 77027
VB.
SAUNDRA LOPEZ
145 NORTH EAST STREET
CARLJ:SLE, PA 17013
Attorney for Plaintiff
CUMBERLAND COUNTY
COURT OP COMMON PLEAS
CIVJ:L DIVJ:SION
I
I NO. 94-4691 CIVJ:L,TBRM
PRABCJ:PE FOR JUDGMENT POR PAILURE TO
ANSWER AND ASSESSMENT OP DAMAGES
TO THE PROTHONOTARY:
Kindly enter judgment in favor of the Plaintiff and against
SAUNDRA LOPEZ, Defendant(s) for failure to file an Answer to
Plaintiff's Complaint within 20 days from service thereof and for
Foreclosure and Sale of the mortgaged premises, and assess Plaintiff's
-damages as follows:
As set forth in Complain~
Interest - 8/1/94 TO 1/31/95
TOTAL
$71,329.56
1.705.68
$73,035.24
I hereby certify that (1) the addresses of the Plaintiff and
Defendant (s) are as shown above, and (2) that notice has been given in
accordance with Rule 237.1, copy attached.
DAMAGES ARE HEREBY ASSESSED AS
110.ll!~ ~.12J~mlJ(
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
INDICATF=p. ,1\
r-'- - ;2t .JM"~
RO PROTHY I .
0'7
DATE:
,-)-qr
TO: Saundra Lopez
145 North East street
Carlisle, PA 17013
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FEDERMAN AND PHELAN
Frank Federman, Esquire
Identification No. 12248
suite 900 '
Two Penn Center Plaza
Philadelphia, PA 19l0~-1799
(215) 563-7000
Attorney for Plaintiff.
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
.
.
Court of Common Pleas
: civil Division
v.
.
.
Cumberland County
SAUNDRA LOPEZ
: No.' 94-469l civil
. -
DATE OP NOTJ:CE:
Januarv 19, 1995
J:KPORT~ NOTJ:CE
You are, in default because you have failed to take action
required in this case. Unless you act within ten (10) days from
the date of this notice, a Judgment may be entered against you
~ithout a hearing and you may lose your property or other important
rights. You should take this notice to a lawyer at once. If you
do not have a lawyer or cannot afford one, go to or telephone the
following office to find out where you can get legal help:
Cumberland County
Court Administator
4th Floor
Cumberland County Courthouse
Carlisle, PA 17013
(717)'240-6200 /
1.. tl--1..,('
FRANK FEDE N, ESQUIRE
Attorney for Plaintiff
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FEDERMAN AND PHELAN
By: Michele M. Bradford, Esquire
Attorney 1.0. No.: 69849
Two Penn Center Plaza, suite 900
Philadelphia, PA 19l02-l799
(215) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
2000 West Loop South, Suite 1300
Houston, TX 77027
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
Plaintiff,
.
.
No.Q4- 4~q( ~~
v.
:
.
.
SAUNDRA LOPEZ
145 North East Street
Carlisle, PA 17013
:
.
.
:
:
Defendant.
CJ:VJ:L ~CTJ:ON/COHPLAJ:NT ON ~ PROHJ:SSORY NOTE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the court your defenses or objections to
the claims set forth against you. You are warned that if you fail
to do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you. '
YOU SHOULD TAItE ~HJ:S PAPER TO YOUR LAWYER AT ONCE. J:F YOU DO NO~
HAVE A LAWYER OR CANNO~ AFFORD ONE, GO ~O OR TELEPHONE ~HE OFFJ:CE
SE~ FORTH BELOW ~O FJ:ND OlJ~ WHERE YOU CAN GET LEGAL HELP.
Lawyer Reference Service
Cumberland Bar ~ssooiatioD
Court ~dmiDistrator
cumberland COUDty Courthouse
Carlisle, PA 17013
(717) 240-6200
I'
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AVJ:SO
Le han demand ado a usted en la corte. Si usted quiere
defenderse de estas demandas expuestas en las paginas siguientes,
demanda y la notificacion. Hace falta asentar una comparencia
escrita 0 en persona 0 con un abogado y entregar a la corte en
forme escrita sus defensas 0 sus objeciones alas demanandas on
contra de su persona. Sea avisado que si usted no se dafienda, la
corte tomara medidas y puede continuer la domanda en contra suya
sin previo aviso 0 notificacion. Ademas, la corte puede decidir
a favor del demandanto y requiere que usted cumpla con todas las
provisiones de esta demanda. Usted puede perdar dinero 0 sus
propiedadas u 0 tros derachos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAY A EN
PERSONA 0 LLAME POR TELEFONE A LA OFICINA CUYA DIRECCION CONSEGUIR
ASISTENCIA LEGAL.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA l7103
(717) 240-6200
FEDERMAN AND PHELAN
By: Michele M. Bradford, Esquire
Attorney 1.0. No.: 69849
Two Penn Center Plaza, Suite 900
Philadelphia, PA 19102-1799
(2l5) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES clo GE CAPITAL
ASSET MANAGEMENT CORPORATION
2000 West Loop South, suite 1300
Houston, TX 77027
.
.
.
.
.
.
.
.
.
.
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
:
plaintiff,
.
.
.
.
v.
NO.
SAUNDRA LOPEZ
145 North East Street
Carlisle, PA 17013
.
.
.
.
.
.
.
.
Defendant.
.
.
.
.
CJ:VJ:L ACTJ:ON/COKPLAJ:NT ON A PROKJ:SSORY NOTE
1. Plaintiff is Fairfield Affiliates, with its
principal place of business as appears in the caption.
2. Defendant(s) is Saundra Lopez, an adult individual
whose address is as appears in the caption.
3. On May 20,1987, Defendant(s) executed and delivered
to Plaintiff an Adjustable Rate Note whereby Defendant(s) promised
to pay Plaintiff's precedessor in interest $51,300.00, plus
interest at the annual rate of 7.50% and upon the other terms set
forth in the Note. A true and correct copy of the Note is attached
hereto, made part hereof, and marked Exhibit "A".
4. As security for the Note, Defendant Saundra Lopez
made, executed, and delivered a Mortgage upon the premises located
at 1937 North Second street, Harrisburg, Pennsylvania, 17102 and
145 North East street, Carlisle, Pennsylvania, l7013, which
Mortgage is recorded in the Office of the Recorder of Deeds of the
County of Cumberland, Commonwealth of Pennsylvania, in Mortqage
Book 865, at Page 192. A true and correct copy of the Mortgage is
attached hereto, made part hereof and marked Exhibit "B".
5. On May 20, 1987, Defendant(s) Saundra Lopez also
executed an Adjustable Rate Rider to amend and supplement the
Mortgage Agreement to further secure Defendant(s)' Note with
Plaintiff. A true and correct copy of the Adjustable Rate Rider
is attached hereto, made part hereof and marked Exhibit "C".
Sa. Said Note, Mortgage, and Rider were assigned to
Plaintiff by Assignment of Mortgage dated July 1l, 1994. A true
and correct copy of the assignment is attached as Exhibit C1.
6. Defendant(s) have failed to make the payments
required under the Note.
7. Plaintiff has given Defendant(s) due notice of the
default as evidenced by its letters to Defendant(s). True and
correct copies of said letters are attached hereto, made part
hereof, and marked Exhibit "0".
8. Due notice of the default and demand for payment
having been made by Plaintiff, and Defendant(s)' failure to make
payments required under the Note, Plaintiff has now elected to have
Defendant(s) pay the Note in full.
9. The following amounts are due Fairfield Affiliates
under Defendant(s), Note:
principal Balance $50,017.77
Interest Due from 11/1/90 to 8/31194
(per diem $9.27) 15,359.22
Attorney's Fees 2,500.89
Late Charges from ll/1/90 to 08/31/94
($23.32 per month 861.98
Cost of suit and Title Search 450.00
Subtotal $69,189.86
Escrow
Credit 0.00
Deficit 2139.70
TOTAL $71,329.56
10. Pursuant to the terms of the aforesaid Mortgage, the
terms of which the Note incorporates, Plaintiff is entitled to
recover Attorney's fees, costs and other expenses which Plaintiff
has been and will be required to expend in the prosecution of this
suit.
1l. The Attorney's fees set forth above constitute 5%
of the unpaid principal balance, which is a reasonable attorney's
fee, and is in conformity with the Mortgage documents, Note and
Pennsylvania Law.
l2. The original principal sum of the Note exceeds the
sum of $50,000.00 and is, therefore, not subject to the
requirements of Act 6 of 1974 of the Commonwealth of Pennsylvania.
13. The Temporary Stay as provided by the Homeowner's
Emergency Mortgage Assistance Program, Act 91 of 1983, has
terminated because Defendant(s) have failed to meet with the
Plaintiff or an authorized Credit Counseling Agency in accordance
I.
t'
,-
,,"",',r '.d""-,P,AO,
with Plaintiff's written notice to Defendants, a true and correct
copy of which is attached hereto as Exhibit D.
WHEREFORE,
Plaintiff
Judqment
against
demands
Defendant(s) on the Promissory Note in the sum of $7l,329.56
together with interest from August 31, 1994 at the rate of $9.27
per diem and other costs and charges collectible under the Note.
FEDERMAN AND PHELAN
Date: CWfM Ib,i J'I'IL!
By:
Michele M. Bradford Esquire
Attorney for Plaintiff
t
1.',
EXHIBIT A
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ADJUSTABLE RATE NOTE
c
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN
MY INTEREST RATE AND MY MONTIlL YP A YMENT. IF MY INTEREST
RATE INCREASES. MY MONTHLY PAYMENTS WILL BE HIGHER. IF
MY INTEREST RATE DECREASES. MY MONTHLY PAYMENTS WILL
BE LOWER.
..............,.........t1ay,..,20.................,. . 19 ..87..,
,...):\;I.l:7:,j.,\\P,\l7:.S,..4i,..(;adJ.s + e ,........,......,l',~,l\na:r.ly.~,n,l.~,......,..............,
(City) (Slate)
..,.......,....,....,....;??.~...~~.!:::,~,..~,~~.!?,~~....~,~,!:~,~,::.,!J!.~,!E~,~!!!:!E'il,I...,!:~..~...~...H.~..,!!."...~~,!!,;,..:~,;.!,~!.E!....f.!!.f.J.4,~J,~,',.. pa .
(Property Adclr...)
1. BORROWER'S PROMISE TO PAY
In return for a loan that I have received, I promise to pay U,S. $ ..~..I.,.~9.Q,:,Q9,........... (this amount is
called "principal"), plus interest, to the order of the Lender. The Lender is~.j,!.~,~,...v.nj,,~.~,~...f.,~~.~);,i!,b...j\.,..,
,.....,..,..gJY.J~,j,R,n..,R,Lf.J:r;,~,);...f.!l,9&F.!~..L~,{!J"..~H.:,n..,R.L.r.J);.~,~,p.!.\F.gh,..,..,........,....,....................................,..................,..
I understand that the Lendermay transfer this Note. The Lender or anyone who takes this Note by transfer
and who is entitled to receive payments under this Note is called the "Note Holder".
2. INTEREST
Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay
interest ata yearly rate of ....,1..5,0..... %, The interest rate I will pay will change in accordance with Section 4
of this Note. .
The interest rate required by this Section 2 and Section 4 of this Note i~ the rate I will pay both before
and after any default described in Section 7(B) of this Note.
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on ......7.u.ly....l....1.987....
....Jl1:1e,.....l...............,.......... , 19 2D.l7. ,'I will make these payments every month until I have paid all of the
principal and interest and any other charges described below that I may owe under this Note. My monthly
payments will be applied to interest before principal. If, on ........,?',\!J.!I...,I,,',...f.I?1.Z....,.. I ....,........,.........., ,I still owe
amounts under this Note, I will pay those amounts in full on that date, which is called the "maturity date."
I will make my monthly payments at ....,215,..F,ranklic...StLeet....J.olmstDw:n....P.enns.y.lvan.ia.....159..
,..,..........,.., ........................,....,............................,.......,...............,........,......, ..,.............,..................,.................,....,....... or at a different
place if required by the Note Holder.
(B) Amount of My Initial Monthly Payments
Each of:ny initial monthly payments will be in the amount of U.S. S ..3.58,.,7,0,................. , This amount
may change.
(C) Monthly Payment Changes
Changes in my monthly payment will reflect changes in the interest rate that I must pay. The Note
Holder will determine my new interest rate and the changed amount of my monthly payment in
accordance with Section 4 of this Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the first day of ......J~nEl,...L..................,......... , 1908...... , and on
that day every'.....!.~,th month thereafter. Each date on which my interest rate could change is called a
"Change Date."
MUt.TIS_TATE ADJUSTABLE RATE NOTE - SIngle FamIly
C CagY'IO"'1 R''fHauo'" Camp.ny. Inc. '9&&
.
EXHIBIT "B" (Page 1 of 4)
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(B) The Index
Beginning with the first Change Date, m" interostrate,will be based on an Index. The "Index" Is the:
(Ch....1II boz.. indi....lndu,J
!:nCII.Weeltly average yield on United States Treasury securities adjusted to a constant maturity of
. .................,......................!1!).~.......................... years, as made available by the Federal Reserve Board.
O' (ii) "Contract Interest Rate, Purchased of Previously Occupied Homes, National Average for all
Major Types of Lenders" published by the Federal Home Loan Bank Board,
0' (iii) .....,...........,........,........,...................,........,..........,....,..,.............................,......,........,....,..........,.............................................
.........................................................................................................................................................................................................................
-1/ "'0" .Ao" on, bo.r j, tlutJud 01' II no bo.r i, tlltehd. ond LAM" and Borro",er do no' OIAtl'''';'' o,r" in "'I'lli",. Ih, Ii". INlu 1l.G",.d ",al/opply.
The most recent Index figure available as of the date 45 days before each Change Date is called the
"Current Index."
If the Index is no longer available, the Note Holder will choose a new Index which Is based upon
comparable information. The Note Holder will give me notice of this choice.
(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new interest rate by adding ............,......,
...........)It........................ percentage points ( ..,h~,~,......, %) to the Current Index.
(Chtclt an, boz to indicatt wh~th~,. tht nttL.' int''''t raCt Ed" or will not b, rouru:l,d to tla, n,arllt '4 of 1'1 (O.125lftJ.J
o (i) The sum, subject to the provisions set forth in section (C) (Iii), (C) (iv), (C) (v), and (C) (vi) will be
my new interest rate until the next change date.
XIlii) The Note Holder will then round the result of this addition to the nearest one-eighth of one
percentage point (0.125%). This rounded amount, subject to the provisions set forth in section (C) (iii), (C)
(iv), (C) (v), and (C) (vi) "'ill be my new interest rate until the next change date.
fChtc}, appropriatt bozu to indicate' u:hlllarr thert art an)' mazimum IimiU on c!l a ngts in thr inlrrtst ralt an tach Chanat
Dalt; if no boz is chteJud llarr, u:ilI bt no mez;mum limit an chang".}
o (iii) There ars no maximum limits on any changes in the interest rate at any Change Date.
c:mv)The interest rate cannot be changed by more than ..........!.....~.Q,.........,.......... percentage points at any
Change Date.
~) The interest rate cannot increase to more than .........1.3,..5,0.................., percentage points at any time
during the loan term.
Ci:l~'i)The interest rate cannot decrease to less than ,..,.......~,:..~.Q................,.. percentage points at any time
during the loan term.
The Note holder ,,'ill then d~termine the amount of the monthly payment that would be suificient to
repa)' the principal I am expected to owe at the Change Date in full on the maturity date at my new interest
rate in substantially equal payments, The result of this calculation will be the new amoull19fmy monthly
payment.
(D) Effective Date of Changes
My new interest rate will become effective on each Change Date. I will pay the amount of my new
monthly payment beginning on the first monthly payment date after the Change Date until the amount of
my monthly payment changes again.
(E) Notice of Changes
The Note Holder "ill deliver or mail to me a notice of any changes in my interest rate and the amount
of my monthly payment beiore the effective date of any change. The notice will include information
required by la w to be given me and also the title and telephone number of a person who will answer any
question I may have regarding the notice,
5. BORROWER'S RIGHT TO PREPAY
I have the right to make payments of principal atany time before the)' are due. A payment of principal
anI)' is known as a "prepayment." When I make a prepa)'ment, I will tell the Note Holder in writing that I
am doing so,
I may make a full prepayment or partial prepayments without paying an~' prepayment charge, The
N ate Holder will use all of m)' prepayments to reduce the amount of principal that I owe under this Note, If!
make a partial prepayment, there will be no changes in the due dates of my monthly pa)'ments unless the
Note Holder agnes in writing to those changes. M)' partial prepaYment will reduce the amount of my
monthly payments after the first Change Date follo,,'ing my partial prepayment. However, any reduction
due to my partial prepayment may be offset by an interest rate increase,
EXHIBIT "B" (Page 2 of 4)
6. LOAN CHARGES
. If a la'w, which applies to this loan and which sete maximum loan charges, is finally interpreted so
that the interest or other loan charges collected or to,be collected in connection with this loan exceed the
permitted limits. then: (i) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit; and (ii) any sums already collected from me which exceeded permitted limite
will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe
under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be
treated as a partial prepayment,
7. BORROWER'S.FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments ,
If the Note Holder has not received the full amount of any monthly payment by the end of ,..,..,....I..L........
calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount ofthe charge
will be ..,..~",9,9...... % of my overdue payment of principal and interest. I will pay this late charge promptly
but only once on each late payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(Cl Notice of De fault
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the
overdue amount by a certain date. the Note Holder may require me to pay immediately the full amount of
principal which has not been paid and all the interest that I owe on that amount. Thatdatemust be at least
30 days after the date on which the notice is delivered or mailed to me.
, (D) No Waiver by Note Holder
Even if, ata time when I am in default. the Note Holder does not require me to pay immediately in full
as described above, the Note Holder will still have the right to do so if I am in default at a later time,
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will
have the right to be paid back by me for all its costs and expenses to the extent not prohibited by applicable
law. Those expenses'include, for example, reasonable attorneys' fees.
8. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this
Note will be given by delivering itor by mailing it by first class mail to me at the Property Address above or
at a different address if I give the Note Holder a notice of my different address,
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first
class mail to the Note Holder at the address stated in Section 3(A) above or at a different address ifI am
given a notice of that different address,
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
Ifmore than one person signs this Note, each person is fully and personally obligated to keep all of the
promises made in this Note, including the promise to pay the full amount owed, Any person who is a
guarantor, surety or endorser of this Note is also ollJigated to do these things. Any person who takes over
these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated
to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note
against each person individually or against all of us together. This means that anyone of us may be
required to pay all of the amounts owed under this Note,
10. WAIVERS
I and any other person who has obligations under this Note waive the rights of presentment and
notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of
amounts due. "Notice of dishonor" means the right to require the Note Holder to give notice to other
persons that amounts due have not been paid,
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some jurisdictions, In addition to the
protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the
"Security Instrument"), dated the same date'as this Note, protects the Note Holder from possible losses
which might result if I do not keep the promises which I make in this Note. That Security In!trument
describes how and under what conditions I-IDay be required to make immediate payment in-full of all
amounts I owe under thi!! Note, Some of those conditions are described as follows: .
EXHIBIT "B" (Page 3 of 4)
(,
Tranafer of tbe Property, or a BIlDefielal Intereat In Borrower. If allor, any part of the
Property or any Intereu In It II lold or tranlferr.ed (or if a beneficial interest in Borrower;s sold or
tranlflrrtd and Borrower II not a natural pereon) without Lender's prior written consent, Lender
may,a,t Ita option, require Immediate payment in full ofall sums secured by this Security Instrument.
Howlvlr, thll option ahall not beexerclled by Lenderifexereise is prohibited by federal law al ofthe
data oBhl1 SlCurlty Inltrument, Lender alia Ihall not exercise this option if: (a) Borrower causes to be
lubmlttld to lendlr Information required by Lender to evaluate the intended transferee as if a new
loan were being made to the tranlferee; (b) Lender reasonably determines that Lender's security will
not belmpalrld by the loan a..umpdon and that the risk of a breach of any covenantor agreement in
tllll 5ICurlty Inetrument II accsptable to Lender,
To the extent permltttd by appllcabltlaw, Lender may charge a reasonable fee as a condition to
Lender'l conllnt to tht loan allumption, Lender may also require the transferee to sign an
allumptlon arrllment that II acceptable to Lender and that obligates the transferee to keep all
promll" and arr..mtnta made in the Note and In this Security Instrument. Borrower will continue to
bl obligated undtr the Note and this Security Instrument unless Lenderreleases Borrower in writing.
If Lender exercll" the option to require immediate payment in full, Lender shall give Borrower
notlcl of accllleratlon, The notice shall provide a period of not less than 30 days from the date the
notlcl II dellvlred or mailed within which Borrower must pay all sums secured by this Security
Instrument, If Borrower falls to pay these sums prior to the expiration of this period, Lender may
Invoke any remedlel permitted by this Security Instrument without further notice or demand on
Borrowlr,
:~~s~_ ........
..__._....__._._._._.._i_~__... "..1)
SAUNDRA S, LOPEZ Borrowtr
,I
..
,
Witn,,,
..........,............................................................................................
..............,............,...."........................."............................. (Seal)
Borrow"
Witnts.'
..................................,....................................................................
.........................................................................:................ (Seal)
Borrowtr
(Sign Original Only)
Witntll
\
.
EXHIBIT "B'" (Page 4 of 4)
(, -
EXHIBIT B
,"~'j I
JL/l
r' z:!
I I ~
t
ntcaRelC 'erneE ~r 'If'
f n'.-:lJn.."..", "."'. ..
""'11" to .... ......:..
.. .~. . '''. I!'.'
'a7 my 1I M: In 1/
~
;.
. 1 I
1 '.
j
MORTGAOE
I
I
J
I
Tltl. MORTOAOB n...rll,lft""jJl"."~ ",h.. ..-.-IlalI,....lR,tft_,_,______,_
.......2.. n..mOrtPJaril._..u~I...s...Lo....I._______ _....__....._....._._._...
.---...........--.....-..-..-..._1..80rro..''?- Thl.Sennl'1lnlll\lmcnll'll"mlooor.ha.c...Ualr.cLI.4.r.1
_A.Ai'l.Il'~..6"fl'3"'.1'41t&l,..v.L.~/'!"',QI..'.1"&b"'~h.__...~ .b~h l'Of/.ft"ld'nd "'"'"
./Idn ,h. I.... .r ..D,!,._~ U ,_UUJl~'r.9..!..![~UA!.f_._,_.nd wh... odd,..,. .-iU_lunUI._JU,ur.
-J..rm.t,9.\<.,.,_r..n,n."ly.,nl._, J!D, .......,'-...-,.-----'-------,-..--..l"L....1I").
Iotra",own lot""" Ih. priftcJptl.um of .l! f11.::.9Q....nUl>>.lJlld..nu....Huadt..d...&nd...aO/,!OQ.:.~:r.1.ft=:;:.::.~
-<::=::=;=:r.~.:':l\'~~:':~,::::.~1.:'::.:::'.~.':"..':OOIl." (u.s. J.1l..3a.a.OO......._). nit dHll.nldCllccd b1 Bonow".. ftQt,
eIIll'd .11. "me d'II II 1111I S'Rrilt 'n'lnlm"'l rHol",. -hlefl PtOyldu fOl mOlllhl, p.tmrnll. witfllh, filII IMII, IrlOl
paid ",Uer, dll'll/ld PJ)'.bll all ......__J:un...J....lQJ 7_._...._._._.._........__.,_ fhl. SeN,il, 'R.I"""tnl
1CtU,... 10 "'''lItn (a' Ih, ''PIY''''"1 of Ih. dctll ."ld~IlCld iy III. NOli. .lIh hUer"" 1/111.11 ,rll.wal.. 'll,"aiQa, .."
1II000lft"UoM< (II) lilt p.,mllll 0(.11 olher .um.. _ilh IIIlmll, ad""Ctd 1I11"er "'''I'''I'h , 10 f.'OlcCllhr ,ceurilt' oflhl.
Steunt, IlIlItlImCIlI: Ind (c, Ihe perform.nc. of Dollowcr'. CO"rllIlIl"lld allC.m'"I1""dtr Ih . s.tllrit) '.11"'''''"1 aa4
Ill. NOle. FOI Ihb putpOl.. Bolntw" doall.lCb, monlll" '''"11"11 conYC, 10 wllderlh. fllllo..ln. dtKllifd ,'Optll,
loc'ltcll" --...-..---._.D&upb,Ln.._._._..._.__.._._..___..._......._.... ('ollnl,. 'cnnlt!.lnl.1
ALL ChIC nruln SoC 01' pl.hot hnd .tCUIC. 1ft t.tt. 11t.h Vud 0' Coh. Clt.y 01
H.rrLlburl. Dluphln County. ""ft'~lv.nl.. .or. p.rtlcularl, baun4.d and dM.crlb.d
II fOllowa, t.o vlCI
BECINNINQ Ie I Point on ch. I..rwrn ltn. 01 Slcond Str..t. tv.nc, (20) I..c South
of Ch. lOIl'''.r/l l1nl 01 '111., ler..( .e 11/1_ ot Ilnd aow or lit. ot L.". VI.baU,b,
Chlnet E..tw.'dly alan. I.ld ~1.bIU.h 11/111 Chroll,h Ch. C./lt.r ot . PlrCltlon v.ll
Ind b.yond .1.hty...l,ht. (I.) I'we Co Ilftd, aovor l.t. at Alvin r. ICICklr th.nc.
Southwardly 110n. 'Ild Stick. l'''d tv.nty-t.vo (2') t..c, lor. or 1..., Co I polac.
Ch.ncI V.,tvlrdly Plr.ll.l With' '_tt., Str..t .nd aloft, th. North.r. .nd at .
thr.. CJ) toot vld, prlvlte .11.y thr.. (3) t..c Co . palt IC I1n. 01 llnd nay
or l.et at Chlrl.. S. 'ourbl,rl thlnce 110n. ..ld lour_ler 1.nd .1.ht,.flYe (.S)
f..t to S.cond ler..tl th.nee lorChVlrdly lIon. '.cond Scr..tl t.vlney-CWO (22) t..t
Co the pllc' at IEQI9NIHQ.
HAVING Chn.olt er.ctld I brick dwwlUn, hou.. known .nd nu.b.rld II Ha. un
lIortb S':Olld lernc, ".rrJ.bur" ".
,
AJ.~ JnI:Jud~ JII thJ, .orc,.,. b 4wllJhI, bou.II. .b:l.otoa ad .~ ..
Mil. J4~ JI. Zut :.rI'Nr. CuJ.J.J., II.. ,.q OCt:2ll'rZOII QI .ar 'Ar;~J
.Wds hUIM add,.., of .--..J.'n....O~'C.....,'(4nd...CNlCr.."...r.1.~r....Md..1.(~M.....r,.It...t.uN&:...4:'rJJtlt
II"..., IC.....
'call,It'I.,. -..-.._..11101...._..._......._. ("PfOptl11 Addr""'),
""CW,'
TooUIlU Win .lIlh. ltnPfOy.mtftll IlOW 0' Illlun" "Mid 011 th, PtOIMI1" IIId .11 IIkmCIII.. ".h'lo
l"pun"'IIIC", ""11, lot.IUn. mlll".I. 011 Ind au ri.hu 'nd plalll.. .'111 rI.h.s ,"d Ilock '"d ." Allum flOw Of
IMfran." ,.n of III' PfOj'lCrl,. All ,.,Iucmmlllnd .ddhlon. ,,,.II.ho 1M Cl?w,," b, Ihll SCC\lIil, InUrumlllt. All a(thl
n,IIIDlft.ls ,.flll", 10 In IhIISen"I, '"'IIIIm.1I1II 1I""PIO,.rt,." .
Bouawll CaVlHANTlllll1 8olmw., Sa J.-l'vll, Idltd of Iht atal. hUla)' conu,u I.d filII Ill, ri,hl 10
mon..... Inlll &lid CO""" Ih, ',apen, '"d Ih.1 Ihl "01>111, h "",ne""''"',d, ,aer,. tOl tftcumbtlllCCl of record.
8ol",w" .'''"111 IlId vrilJ dcfrnd ,mcnU, Ihc Iltl. 10 Ih. 'ropen, "111111 .11 c1"ms Ind IIcm'"d" IUbJCCl10 In1
tftCllmbltflcct ofrrrotd.
t. THII JEC\lIlITY '"ITIUJIo(I"''' calnblll.. 1I111t0,", C(lYCIISlllt for fl'I/Ollal UM .nd aon.unltlllm CO_,fI'"1I .Uh
IIJItlltd ...rlaUons b, JlllbdiClion 10eon'lilul'. "nlform ICcurU,.lnlltvmcllt ca."ln, ".1 Pl'Open)'.
. BOO' l\IlS rm ill?
PlNHSYLYAHIA_IitoII, ''''''"..'IfUA''Hlye """0IlY lIt.fllu'WucT
''''''lonU/II
r=
j'
--.--....--.--.---.
.......... ...~..~---.__....._.........~....
."
..
r--.....
iii.n'der,4j
!'!.dCI,",,,.
JUCU.
'LIo4If"l,
~11~:::,,,,
Wff",ftcM,
IdlI.Jtllc)l
1"""","1
JJun...."
~to(lfll.
",,"tlnd
_"1
-,1"11"1
, '
UNlroa", COYINAH'n Bomu_u .n4 Lender 10""'"11"4 "'"" rOIlO.'1
I. "'I'It"1 If Pri1cl,111Jl4Inl"..t; '''p'rm,ll! UelLi', a".... 80"0.., th.1I ptOm,t1, ,,, ..hm due
.", ,""tlp.l of .n" IllllN" 0.. Ih, d.bt nld,ncfd by Ih, Not, '"d '"' prep.,,",,,, .nd '.1. ch",n d", y,.lf" .,,, NOI..
I. '''lid. for Tua .Illlllt.ur.llt., SvtlJ"IIO .pplle.blt I,. or la. .'lIlen .ai,., II, L...du. Oft,,,.,, .h,II,.,
10 l.ftwI., On Ih. d., ,"olllhl, ,.,m.nl..,. d.... \,lIulu lh. NOlt, unlil,'" NOli" r.ld in rull.. aum 1"'II11d,'1 '11"11 to
o"",.,ln" 0'1 f.) rUtI, IUft ,"d IUnlnllllll .hle" 1ft" I".i" ,"oru, aU', ,1'111 'Hurtt, Inll'UI'''''lI Ib, ,"H,
IlMehGht '_'III"''' 0' 1'''11114 Will 'n Ill. 'topen" It '''', (r) )'ear'y 1I.,.,d 1,..lIranet ,,'emlum,: 'nil fll' ,nlly
,"on"I,ln'uI.ne, rflm.um.. iran, Ttlne U,,,,..r, Cll/cd "ncrow 11'11I'" Lend., Ill', nWrUII.ltll 'IInd, du, On Ih.
,"i, oIrlll,.nl d.11 .nd rcluon;abl, nllmll" orrul"" nerow IlemL
Tllt fund, .hall be h,klln .n Inllll\,l,IOI, Uti d'potlll 0' 'ccnUnl, or ..hleh.II In'u'ld or 11I,"nl"d",.a red".1 or
11I1, "'flC" (lfI~'ludjll' LCfldcr.r L'ndtr I. 'veh ." 1lIllllullon). Lender ,hall .",,1, Ifill 'Ultd, In ray III, mro. 11Cm...
lAnd" ma, 1101 ,hiIl1' fur hOldln, and .""I,in..h, '""d.. .nal'lin. Ih, ICcounl Of ..nr,ill' Ih, Nlnllf'llc"'.. un'".
Lender Ill" Bo,row" inlcllI' on Ih, 'und, Ind 'r"lleabl, 1,_ ptlnlUJ L,ndrr 10 "'ah 'IoIrll , char", no""." .net
Lender ",., 'Irft: In .'''Ill"h,llnlernl ,h.lI h, "aid (lit Ih, rund\. UIII..u an "tn'mrlll I, IIII1J. (I' arr"I'.tll. I..
rrquira Inl(rr\l hi ftc r~hl, Lend..r ,hili n011k rllqulfrd 10 p.1, Dlllr"w", IIn, IlIlrlnl 01 nr"in" nlllh. Fum". Lln"..r
Ih.lI.lnlfU D""n.", .llhl)"I..hll'.I',," Inn".1 ,cCClunlln,ofUlc l'1l'III, ,howln. crrdil'.nd drhll'"II"" F"nll' In" Ill,
PUtp41, ror ",III1;h luh drbillo Ih, F\llId, ...u mId,. The FUlllll." pl~"'led II Idllllion.' ''''\1111, fl'll Ih.IUII.. ."U~ II,
IhiISfturlltlnll",m"u,
Itlh. .mounl orlh. P"nd, h.ld II, Lcnd",loleahrr _lIh 11'11 rlllUII monlhl)' '"tm'nll of "unll, "'Utll. ,.'10' 10
I".dll' dlln oIlh, C"row IIcmt, ,h.1I tlCtnllll..mo",,, IIqull.d 10 p.ylll. nrlo,," ilfm, ..hlfl dlll,lh, """ ,"," bI,
'1 80llow,,',npllnft, elll'l., prompll, ',p.ld 10 Bo"n.., 0' '"elll,d 10 Dorrow", on mOlllhl, ra,mrlll' t1l "''''".1" Irll'l.
.mounl 011'" rUnd. h.ld II, lender 111101 ,ulll"lcIIIIO p., Ih'fltrow lit"" "",,"" du" 8"'rawtI 'hili pi, hi Lrnder an,.
ImOU"llIrc~u" 10 m.1kt u" Ih, U.:f'iCI'rlC, In on. 01 more pl)'m,nl'lI tfqllitcd', L."d".
UfIl'I" f'.1)'mllll in rull G'all 'U"'I 'reutld by Ihi, Scrvnl)' 'nlll\lm."" L,nd., Ih,,1I rtnmrllr"fu"d In BUill",,,
.", Fund. ",Ill b, C,ndel" "1I"4Iill "'Ulra,," l'lh, "0""1, i' "'14 nr IC'Quilrd h~ Leud", ltttd., .h;ll'.rrll' I'" 1:11'"
Ihln 1,""'C'dl;ll,l, rilla' In I", ,..It n'ltI, PI""III)' nl ii' lequ"'llnn II, Ll'n"'rf. .n) 'un6\ h,ld,., l,nd", ,'lnl' 'IIII.,.r
'rr1kolllltlrll'at'rnlil :1JJllllllhl"llnll""llfnlh)' Ih.. ~""rtl, In'IIllmrlll.
J, Aprll,.,h.,I.I'I'.,IIl,nh, 'Inln. :lrrh'"llhl~'I;I. 11'1I,'hll"\ "'hl'r.I~, ;all 1'-"-11"'11" h"'",nl h, I ~'III"'I 1I1~ltl
J';lt""3rh. 111/111 : .110111 tit- "rrll~" AN. lu I..,. ..hllf," lIut "mIl" Ih. Nllllill In'II,"I. III I"'.....~ IIt~'1l1 ..h;a'Jr\ ~"t "111,'.:, Iht
Slllt. Itll'~.ln ""11'101"" J\llahlt u"dtt r~rl,'arh 2: (1IlIllh,ln 1111""1 dllr: .11ld IY".lp I"r1n..'IYllIu.
., ,1I"."t 1.1'''1, llllrtll16tt ,1'lIlI I'll' alii....., ll''''''fllI:,II," \'h:1r'...... dn~', .Ilkllnl"".III'"I" 1IIrItoul""!~ I,' ~".
PIn,...,,) 16lud, mol" ;t1I~ln "'10'''' n_" Ihn S<<urtl, ."IlIu,"I"I, llll" In'ehll'lI rJ~nlrnl' ," #r,'"II.I !,"::~. / 1~~
&"".".h.1I (I" Ihl\tlthIlCillin", in Itlc mOlnn.., r'n'idtd III ra'n~I"rh 1, ('I' ifnl'l r,llll In Ihal "IOIlIn". R,'I'.,,,,,, .h..1I
p~)' Ihcm on lime lIlr\'CII)' IlIlhr "C',,"" c"nl fIlI,"""I. Dlllrowrr'h,,1I r'ClnI(lllr r",nllh hlltnd" lollllhlhUll1r.ml1\1n"
10 be rml" Undtl Ihi, rlt;~':lrll, I( n'llIn"'cr 111:'111" Ihru r~''''cnll dir<<II" DOlfn..".h~1I rrompll, /'utili'" 10 L,"d"
teed"I' n-1lJ..ltt'illllhllll'o1,n1~1I".
DII"ow" ,h;an prothrll, di"h"I' all)' Ii," "-hleh h., p,lorlt, o.cr Ihlt 're",II, 1"II1U"""lu"I,,, 8anowcr. (')
'Iltca in .rillnlll'llhr p.)'mcnl Oflhl Oblillllan Iuu"d bYlh,llen In, mln"" atc~"I'blf 10 Lflldtt; (b, ConlUllln IClOd
liilh th, Ii,,, b)', al lI\'rr"", IIl'illll cnrOU'''''''1 or'h, Ii.n In, 11111 "rnrccdlnl' .hkh III Ute Llndrr'l orillln" n".n', to
rrCI"lIllhC ,nr,'rC'lIlfnluflh"itn nt rl1r'~'1lur. nt,n, ,,'11 nflhll p'"r'",: otIC') 'reurn ftn"'lht hnldt' nrlht lien II"
"'remtllllali.f~"II1t)' In Ll:nutr'''hordinali"llhl'lI,n 10 Ihl, S,ruMI, Intltum"~I. lrL,nd"dclrrmlnn Ihll'", pm or
Ih, rrnr"'ylll tllhiC\:1 10 ~ liln "'hieh m., '!lllill p,iotll, UVCI Ihb Srcllru, 'n'lrumllll, L'ndt' m~, II'" OUIIOW" .
1I001c, idlnur)'lnl Ih.llcn. Oollo...-"r Ih;III-.II,r, Ihe U,,, or like 0"' 0' melrc oflhc ICUon, III torlh llllo". "'lIhl" lad.)'.
Orllll,ivllllofn",ICf,
S, HUald 'n'Ullllte. BOlrow" Ih.llltrtp IIIllmlltO"'mcnll 110_ ,1I111"I.,r ""un" C"C'lrd I'n Ih, 1'111""1)'
IntUred iI..iIlIIIOlI bv Ilrc, ",urdl includ'd "'llhill Ihe rUm "Ultndtd cO'"'I''' .nd In, Ol""ht..,d, tnl "'hlch Linder
Irqult" III,ul;nCI. thl' In'lIl1nC'l ,h.1I be mo1l"II'n'd In Ihc I",""'n" and 'or lhe: ",'loch Ih.. L4:nll" rrqult,.. Th,
bu""n,,, cat'IC' "rolidl"llh'lnturanCl tlclllI bl' cholrn b, Dnr,o.." 'UbJICIIO LClldtt'l,prrotal .'hleh ,hilll nOI be
unrruonahl''''"hhthl.
All inllll1ntl&' pollcl" and "nc".1I Ih.n be 'CUpllbl, 10 Le"",, 'nd ,hln incl"d. a ''''''dltd moncale "'UI"
L'lIdtr 'h,lI h''''lh' ti.hllO hllld ,h, Ptllidfl.nd 'rn,..I,. It L'"d" rrquhn, 8n"0...,, Ih,lI rr"mrI11111" 10 Lrndcr
'II I"rillll "rpalll prr""llmt lIlId "ne....1 "olirel.'" lh. ncnl On01'. Oorrnwcr Ih,lI "I" prompl nl\ll(e 10 Ilia ill'ut.nce
CltriCt .nd Lrndtt. L,n!Jel m., m~h ploot'uflO\,I(no, th,d, Promrll, II)' Darro"'''
Unl", LCIl1.l~r :and 00"0"" Olhr,..i_C:lIfC'lln ....'hl".. inllll'llll('t I'rncC'l:d. .h.1I b, 1""Il.:d In tttIOtl"l'lnC1f'tt,,'it
oflh. rrnflllrl, daml'cd, lrlh,If'I0UliollI'll re"alt I, ccnnClmlull, r"'IIIlt Ind Lendtr', '""'ll, It nllll<<'4'Tltd. Irlhl
....IUl:ulllllllt r~'f\Ol" II nnl ttl'nnrnic:aU, r"nlhlc It, L,nd.r', UtU,II, "Iluh, hI Ir"cllfd, 1M In'IolIOlncc pr",,,-..,,, \h.n lit
_r"ntel 10 Itle ,"um, ,"urrd b.-Ihi, '""nl, Inll",mlnl. .htlh., or nOllhrn due, wllh In)' IIcm ",id 10 POlrowcr. Ir
80110.'" Ib.1ndllnllh. ''''rltl)', 0' don nOI .n..." "'hlltn JOda)'1 . nnll.;, (lOrn L,ndu Ihlllhll",u""cc Cltri" ""
011'",1'11 10 .,ulc a d;rirn, Ih\'n Llndrr ml, tnl/c':llhr IlI'uI,ncc "rnucd., Lclldcr m.y u.e IhtJuncud. 10 ITr.l, nl 'r'lnr.
Iht P'OptIlY or 10 fl.'r Iun" "cu"d b, Ihj, S~'IilU'il, '1l1l",mcIII. whe.ltlr u, "llllh," dUI. TII, )0,,,,.1, P\"i1~ will kll"
-"Cl'llh, nOliu II li.cn.
Ufll,u Lender .nd 011"011'11 01",,..1,, a,," in .,illn" 'II, .1prl/ulitlfl of r/1'lCercb 10 PfIIlclp.llh.1I "or ulend lit
pon",'ne Ih,dUt"'.ICttflhlrnonlhly rl)'n'rnl' "frr"" 10 In l',r",U"h, land Z O'Ch.II,rlllf Imnunl nrlM ",,)'m,nl' Ir
undrr ~r~I"r" I' "Ie ,,,,t'trI)' I, trqlllrcd by L,lId", an"CIl'''"' lI,h'lO .n,l1nUI'n4't ""Iitin .n'" p'f1C"d' tnuhllll
r,nm d.m;"rln 1llIl'Mrttl, I'rlnrlo IIIe Olequi,illnn ,h. II rat' 10 l.tndrr InlhcUltnl nrlhc 'um'\fC'urrd h, Ihi. 'teunlY
In"ttllIlcn, Imrnl"lli;lfrl, r,hll In It" :u:q"hillnn,
.. Prc,uut'_n all. Malnl'''.flu .fr,.,.n'l Lc..,hol.., 00"0." Ih~1I nol dnlln)', damal~ol ,ulI'l.nll~lI,
,h,n"lhe r'lIr":nr. oIUtlW IhI' r'll/"fU, 10 dlllflOll" er, Commll Willi. It IhlC SrtultlyInll,umefllI' Oft . "",hold,
80rrowtl ,h.lI enftlrf, __ilh Ih, ,,'a.hlo", oflh, Ime. Ind ilBo"ow" ,equirn rH hi', 10 lh,llloren)', Ill, Ita'Chold ,nd
r"lhl, Ihall"1ll mtl,... "nlc., L,nder .11"" Ifllh, m"I" III .,hl"l.
" rllltltllon ot tClldc.'. Alahl' I. Ihl Pro,erlra M.rt.... Intutlnu, .t 8o,mw" r,il, III ,..,rol," Ihe
'ovlnlnllandll,'n:mcnl'ctI"I~lnc" 'n lhi, S"u,ll)' Inu",mclll,or III.,il, .le'ill "rnclldin,lhll 11I1)' "1"lft+:.nll)' .ffrel
Lend,,', rilhll 'n Ih. P'orerl)' (1lIrh at I rrocudllll in blllllluprc,. pnlllllc, till 101ld,,"nllll'lI ,It 10 ,,,fnre, I.w, 01
Irlul'llolIll,lh,ttulldtr m" do and "., '01 W".1I"" i, ""nut)' 10 prolICllh. '.Iu. orlhc Ptf1r'ttt, I"d L'nder.1 nihIl
In Ihc rrnI'CII). Lll'drt', 1t1"'''1 ma, InC'lvde JI'rllll ,,,, 1101"" tcCurnf fI, I lI,n ....hich II.. JlflOfll, 0-" Ihll S,curll)'
IIlIINmrnl, '1"1"f.:a,i"ll" C'tI\tn, rl,I". rUlonlblllllotnl," rUllnd Cnltrinl on Ih, '",,,,,IY'o ma" "rair.. Allhoulh
tmdtr m.)' I~'" "iiI/II ulld" Ihi, PU';'''J'Ih " L'n"" docl nOI ha", 10 do 1ft.
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Ih, dal' tit dllllur\Crn&'n1 '1lht NOli "" and Ih.1I 1M ,..)-able. _Ilh 11I1"ell, Urnn nnllll fro", L,""" 10 Borrn.,r
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t. C"ltdtlllll.t10lll, nil lI,eu.lls or '''''."d 0' c1,im ro, d,m'I'" III'ctl 0' .on..qurnll.l. I" cMnKllotl .Idt
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to Ih. .u"', 'A''''~d b)' Ihil '~'f:U,il, InlUllmllll, -h'lh" or nOllhell du.. .
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,..,menl Uf...h\lf."" ,"wilr .nlnrlll.IiUIl nrlhe tUIl1' ."11''''' a, Ihh '"II,il, In"tumllll b, n:""n nhll,lIcma"d medt
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II, SUUt'\ijtl 1114 .\nllln. lIoUlld; Juhll 1114 SuetlllJ,ItIllI'1 CO""lCllttl. Th. cn~cll;r"","d "tttm<III1 n'
llli, !..,'U,il' "1"'"11'~1I1 .h..1l bill" ~1I11 b.;IICftll ht 'lIen"",, .nd ."i,"s OrL,"dll' ,"d Bo"ow." .ubJ<<IIU 'h. r,n"'IIIlII'
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mtldi'" rl1'NII' P' m"h III, '~"ommod.lIoll' .lIh ttllfd 10 Ih.lernu af'hl. Steunl)' IlIu,um'"1 0' Ih. NOII.llhhl
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f1Ctnlillcd IIlIlill ..ill!>> 'erllnded In 00"0"'''' ulld" m., CIlUl'lM 10 m.h Ihl. le'ulld It, ,lcIudll, Ih, ",llIclr.1 owteI
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mu)' ,equlre In,mnli.lh' 1'lI,,,,.nl III 'ull 01.11 'IIm.tccl.lrcd It, Ihil !ftllnl, 11I"",m'1'I1 'lid ml, In'Dk. 'n)' "mtdln
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p'ln'i""",, '.1' 1IIIIIh S<<lIrJI, !lItltumrnl "rilll he 1I1cmtlS hi h.,.1tc,n ,l~'n In 8n"nwlt "' LVII".' .hltll.I"CII~' JltD"'dtd
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Note ,lInnll!l, .hh lIrrllC211lt I.., .uell cannier .hall 110111I'<<1 olh" rrrofl&lonl orlhl. I~~uril, 11I1I'III11.ftl or Iht NOI.
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kalt\'d h, Ih.. Stt.'\Inl)' In",um.nl. IIV"tu" Ihl. arUon Ih,11 1101 be Il.reh(d b, ltlldcr It .utel" I. prohibtltd ,)'
kdcrallll. Itltllhed'I,.tf'hil !<<1I.ilJ' Jtlllrumtlll, .
l'b"tJc,...tt~hC' lhj~ Ilrllnll. Lelldt"halll'_c Da,row" 1I01Intlfacrcl"OIllo". n,"nll" "'all r,o_left' period
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Ihk Sl'\'1It1I, IlItUUlntlll, It IIIl'ro." (1Ii1. In l\oIY IhClC Iumll',ia, fa Ih, upirallo" otlhl. rcrlod, Lell'" Ill" hltoh .n,
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'"rlinllle II" m., Il'<<i'i' 'tl, ttlll'loIlemtlll) bll(ol, ql. a(III~ Pro,.,'I, plltlu.nllU ,")' ro-u 0'1.11 eonl.IIIN IlIlhl.
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III po" Lellde, SIIIII",I ""It" Ih," "'ould be dll' ulld" Ihil Iceu"l, Intlrumtlll ,"d Ih, NOlt hid 110 lCultfllloll
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ohlllllton 10 ra, Ih. IlIms kC'II'" b)' Ihll S,euril, IlItlfU,"tlll Ih.1I tGlldllli. IIl1eh.IIIN. UPOII ,.llItlll.mclIl .,
IIotto..,. Itllt Scn,II, 1IIIItUII'IIIII ."d 1'\1 oblll.lIfllllltCYltd hue', Ih.1I I'Im,l" hill, tlTteU", 111(110 u,tI."llon h&1I
occun... Ho.ner, Ihll "lhllO ,.11111.1. "".11 "OI."I,1ft Ih. UN '(lectler.lio. IInder ""I'.ph. I) or I'.
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rn"Nm'.'_I'hovl ch"I'11'I no"",". "MIOW" .l'Iall ra'Y all' 'ICI,4.,10.. ,nut.
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IhI ItII11I'MIIUIII,"1 ""blddl". al . ,herlr.I.I. ft' 'Ih" 1.1, rvUVlllllolhla Stelltll, hlllluml"l.
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U. fllltltt' R.I. After Jud,,,,,,,,. I."ft." 'I'm 11'11111'1.,,,,,,", till IIIY'"'' .ft., "vdlmc,,1 It """,,. OIIlhe
NII,or In.It ICllon olrrM1rtl'" rOrrclMufI .h.II_11i. rII. ra,I"" r,om IImt 10 11m, vlld.... Ih. No!..
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ft.......1o u..0ftI.. /o._"I~.tDood,I. '.d~".~ ' tL\~;~;~~Itll."n.t\.t.=
10 ............. -a.":"::"lo.- HI. ,U,,-- r... _.. _,_ a.. _., ,..':; / -")
D.1t .J~4~,4l.1.__ _..~~,. ~--:::~''=~',,, ,
, ',' ....'" 'u'!-
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"'01.4 .'tu... 1ft 'h. ",.e W,,4 It Ih. '.,.u,a .t elrll.!.,
~OUftCU ot Cu...tl.n. 'ft' ."1' .1 '.nn.,I,.nl., .oun... .n'
do,.rl." II t.II.W"
"OI..,NO .. . 'o'n.r .t '01 nov .r tor",lu ., Nor..n ,.
.'n".'Ch, Ch'ng, ..,.h 'Jon, .a, W,.t "d. ., NorCh ...e I.r.,e.
II t.., c. . ,olne. ..rn.' ., "ft' nov or 101..rJ. .1 Ch'tl.. r.
~In".'lhl th.no. ."1 .Jon, Ch, "", JID t..e 10 Ih, ,.rorc
'ptln" ch.no. bV ChI ..... 'ouch IS t"I C. Joe nov or r.,..tlu
01 ."',n a. Mln",'ch, Ch'n.. bV ch, ..... w,.t J~~ I... I. chI
.J... ., .'OI..ZNO. ""0 _nown II Ha. J4, M.rth ."1 Itl.,e.
e,r!I.,., '.nn,vlr..'"
",., ch. ...., ,rop.rcv. whlch ~o4 6. Valn.V .nd _JeJn.._,
OeJJJn,er, .~ .... d.c.. Jenu.r~ JJ, "'., .ft' "~ord.d In Ch.
altl~. ot ,h. _.rotl.r 01 G..d. lor CUMber'.nd Counc" ,r.nc.d
.nd eanYe~.d unco ..un.,. .. lop.,.
iDOl 8llS pm 19R
.
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EXHIBIT C
l...;
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...-.-.---.-.. -.-
~
ADJUSTABLE RATE RIDER
TlIllI AIIJUlITAIII,t: IIA,'t: IUllt:lIl. m.d.lhl. ,..~OCh dur. ", '...... H" ... ...,.,'.,'. ,IOIJ._ .
InlfI. IneurpQ,uLed Inlo Dnd .hoU ", dr.med La om.nd Ind IUPp .m.lllah. MU'llltI'. U"d .l1'rul.,
Itcurilr 0...", Uhf "SvcurUr In.'",menl'" olU" 11m. 110'" .IVlII b, Ih. u"".nlll"td Uh,".om.", \4t
Iftur. Bomwtr'. "dJuI'oblt Ruta No&. Uh. "Not,") \o..ruIL,UIUId...,.."aL_A..IILddoa...al..Jlf11
faCut1..IU AII!,n..af...'11Ubur,b IIh, "wnd.,") or Ut. lime d.&. .,ul flY.ri", Ih. '"pi'"
"Nmbed In Ih, !ftcurhy In'.Nm,n' ond located ILl
_.___.l') 7 ...lfarc.h..J'COIld ..ltr"C...Harr 1tbura....t"MI,lvula__..IM,
J45 II. '.11: .UMC. lI'rtt...".,AoW"ul Carlhl., hntl'1fI"'MI.
Till'. NOn:CUNTA/NlI PIIOY'SIONS A'.LOWINC I'ORCIIANCESIN
"111'. INTKlIl\lIT RAT" AND THE MONTHLY I'AYMKNT. II' THB
IN,'t:rU:lITRATR INCRKASKIl, THE DORROWKII'S MONTHLY PAY.
Mt:NTS WILL HK HIClHt:R,IFTHK INTKREST RATE DECREA8ES,
THE BORROWEII'Il MONTHLY PAYMENTS WILL BB LOWER.
ADDITIONAL COYENANTS,'n oddlllo" 1011I......0.1, o.d OIfT..m.nlo m.d, In Ih.lItcurlljl
In'lrum.n&. Burrow" and lAnd., l'urth.r en.nlni and Ilr.. II tullawa: .
A. INTEIU:ST RATE AND MONTHLY PAYMENT CHANOES
Th. Noto pRl~hl5'll turun 1"IUull"t.r.:.' rut. at ..,..1.A,10,....... Th. Hut. pruvld,. torchanlla In Ut. Inlanl'
r." and tho manthl_ plI)'M'nLll. UI talluw'l
4. INTEKKST KATE AND MONTHLY PAYMENT CHANCES
(AI Chon.o DollI
Th.ln",..t rtllt 1 will plI)' mo, chanll' on th. nu, do)' 0' ....--..run..,~........__.11. _,... .nd on
th.i dl)"v,,,, ",n..th month th.ruRar. E.ch daLe on which mYlnt'r..t r.LI could en.n,.l. c:alled .
"Chanl' Dot.."
(DI Th.rndn
H"lnnl", with th. "rlt Chllnll' DOl.. m, Int.".' r," will bl baud on an 1"4... "".lll"d'I" I. till:
'..Atd....~IooI.'.,"I"a'..'"It-'.1
men Wllo"l, Iv'rUI' ylvld on Unll.. 9t~u.. TIIA'UI")' ..curhlo. adJudtd &0 a con.tanl m.uarU, at
..-.. '............. ......Oftll,,_ ,oar.. P' mutt, nval1l1bl. bylh. Ftd.rol RueorVllluard.
C' UI) "Cunlrlld Inl.re'l HIILt~ Purc:hD.. at rrnlou.l)' Occupl.d Ham.., NOllonDI AV'rI,. 'or.U
MaJa,T,pu or wnel.n" pubU.h.eI b)' (h. Fed.rol Ham. Loin Uank Board.
0'(1111_...._,_..._.__,_..__,__.,__._____,_
--"--_.._....~_._._--_.._---------
'..",'ha ......., ...tn.<'4"l/....... _'''_U'N, till r.-'hI"'III.,,,,,,,'ft ......1..--..../J4f'r,... _,._'.11""",,,., a.."",,,,,,.
Th, mo.t rec.nt 'ndex "61Urt Ivollobl. II orth. du" 45 dA)" b.rare ..ch Ch.nl' Dal.l.ellled "'.
"Curr.nll"d..."
It Ih. Indn ha Ilu lunKer uvullRbl.. Ih. Nal. nalder will chuun a new Ind.. which I. bued upon
campanabl. fnrurmaUon. Th. Not. Huleler wlll.lv. m. noUc. at Ihl. choIce.
te) Cahl\llallan arCh_"11I
flt{I" .nch Chonll' DRI.. th. Nola lIalder..m clllallol. my n.w Inte'''I ,a" by addln.__
__..aH...._..~."'_..~~.,,.... pcrcontnlfo ,olnll ( 'MJ.~.U_ lJ.) to Ih. Curnn\ [nd...
ft'Art" aiif' Ioo.r 'If '"Jln".. ItA,.'l.., ,11.. "",' ''''1''''',.,. ",iN v,..m "." Aoo '''''If'~ 'II IA.. It..."..",,,,,, ra 11."1 J
~ J Th. .om, 'oblocl'" lh. provlllon. ,,' lorih In ...110. IClllllI, IC) (Iv), (Ollv), o.d ICl (vII "III bt
en, ft...., InlG'ttlt ral. unUlth. noal chonlle date.
DlIlI ''h. Nut. Holder wllllht'n h1und Ih. rllul' at Ihl. Iddlllon to Ih. nllln.1 on,..I,hth at ani
Plrc'n\(O.I~"'.). Thl. rounded IImount. .ubJecl 10 Ih. provt.lan..., torth In .ecUon CCI 1II1l, (C)(lv).CC)CV),
Iftel eel (vI) will b. m)' n.w InLc!rtl' rAI, unlllth. n.., ch.nll' dut..
I~A..,. a",.,,{.,.. fIa". ,.,,,Ii,.,, ""rill" ,A,''''''''',MUI'''VIII 11",1"... ,At"."'It 'A, '''It"., ,."," 'ar~ C.'I\I'
".'nl/"....... rlnlr,.-l 'oil,,,, lIotU", 1111 m..I"'MIIIIIII." rAa.._t1J
C 11I11 "h'ru ura no mUJllmuln IInlll' un un, chan".. III lh.lnltrv.t ral. at an)' Chlln" Doll.
aUvITh.lnl"'t.t ral. cannot bl chonutd on an1.ln,l. Chan". DaU b, mOl"llhaft___
-I...,Q-~..-.. porctnhlll' polnLl from Ih. rll. ot Intnl.I . han betn ,a,ln,l 'or th. pttetdln,
monlhl,
a~ITh.lnLtr..1 ,ul. Cannot In!:"... tomol"llhaft _.._-1'4 50__. pore.nl AI Any Um, durtn.
\h. loan term. , sa .
DIltI.Th. Ink",.1 role connol d'l:rtllolt to I... than .__..._,_:._....-. pernnl utany Urn. durtn, lh.
loonltrm.
Th, Ho', Hulderwllllhcn d"ermin. Ihl amoun' orlh. month.)' plym.n, that would b, .utnel.nt 10
"Pd)' Ih,' princlpnll dm ..p~'tlrd to ow. ot thl Cho.nll' OII.ln r"n on Ih. mallnll, dot. 01 m, n.w Intullt
nlllft .ub.lunllllll)' ,~uDI po.ym.nll. Th. n'\l1I ohhl. c.lcul,Uon wlIl b. 'h. n.w Ilneunl almy monthl)'
paym,nt.
(OJ EII...lv. Dol. olCh.n.o.
My n.w Inter"l rall wlll btC"Om' .""lIv.en nch Chlnl' Dlt... will p.)' Ih. amounl ormy n..
monthl, pll)'menl b"lnnln. an 'h. nral monthl, p.)'m.", dll' In., lb. Ch.n,. 01" unUlth. 'mounl ot
m, monlhly pA)m'h\ ch.n,.....In.
IlULTIU"1 4DJUn....LI RAUAIOIII -......'... . c."..."'r.......~._I...
.........M....... Woc 6BS PIC! 197
.
\) ."...
''''" II) Noll.. oICll.....
Th. NOl. Holder_III d,lIv.r.r maUlo m, I nolle. of an, chin... In AI)' Inllr... rlll.nellh. Imount
"01" mon'hl)' p')'m'n' b.roft th. '"Ie"'" eI'M ot .n, chin,.. Th. noUe. will In,llId. I"(ormall",,
nqu r.d b, law 10 bt .Inn m. .nd "'0 the UII.lnd t.tl.phon. number.f. ptr'OD who will an.w" I",
qu..Oon I ma)' hn. hlllrdtn. Uti noUn.
B. TRANSFI!ROFT/fE PROPERTY ORA BENEFICIAL INTEREST IN BORROWER
Uniform coy,nanll' utlh. 8ftUriL)' 'n.INmcnll. .m.nd.d to reod "' r..llowlI
TrAIt,t", otlho P,upo,., Dr I Bononatol Inlon.,I" borrow." 11011 unn" Pllrt utlh'ltru:r:'"
Dr In)' Inlllrv.ll" Ill, .ald or 'f1.n.r,rnd (ar I'. b,n,ncfallnt,rol' In lIorrow., 1.10 d or Ita"....". and
Rorr.w., I. nD11I "1Ilurul p.,.on' whhu,,' lAnd.,', ,nor wrin.n ~n..nl.lA"dtr'"')',.llll'Pllun. flqultl
Immrdlollt pn,mL'nlln tull ot.ll.um. 'fCurtd by Ihl.I,curlty 'n'l,umrn&'lfow,v.r,lhl,apIJon .hull not
be ..oret.... by '.end., 1(..,rel"l. p'ohlbl~ by rldltalllW a. o( Ih. dal. .(&lIr.lfrwrU, 'n.Uvm'n&.
und!:, III.v .holl n'.1 '..rel',lkl, opt'V" It. fOJ Bono..r eD\ltIl' Iv IIv eubmlurcf wlAnd., Inr..r",ntlll"
ntCIulhd b, I..""." la n'UIUuUtlhw Inlvnd'" l'Gn.(,,,. D.I(u nil. 'uun w,"" bvln" m"d,la "'.IrUft.(.,..;
Ind lb) IMnd""h'u.onobl, d...,mlnlll Chut undlr', .lCynl)' will nvl b,'mpufrltd by th,lulI" '..vmpllan
and 0"" Ih. ".k 0(. btlt&ch otany covanl'" 0' olln.m,n, In Ihl. Stturlly '''.&.rum,n, l.lCc.ptabl. &0
....nd..,.
"u Ih. "lltn, Pltmlurd by Ipplleubl, I,.. Londlt tn"y chllfllu u r,aaunubl. (II. u. II cundlllun Iu
loin"..,', tun..n, &0 the loon ollumpUun, LeI"d" md, ."0 rvqulrv th'lrun.r.,.. to .illft un ....\lmpUun
IlIrnm.nllhu' I. occltpl"bl.IQ lAnd", ond Ih.1 oblllllU" Ih, l'II"'(lrIlllu kftp 1111 the prom I... und
'.re.m.nl. mild. I" Ih. NOl. and In Ihl. Sccurhy 'n'lrum.n&. Sum.., will conllnu.... lMtubllVQlcd und.,
Ih. Nul. und Ihi. Sunlrhy 'n.lrumllnl \lnl...1.o4Ind., "'IlIl'C' DurN..r In wrhlnll'. '
Ie ..."dvI ...rrei.fllh. opllun lu rfCIulro Immlldl.... pa~",'nlln CUll. l..nd" .hall .r\ru Sonowtr
noli.. ut IIlOcvlerllllun. Th. nolle. ,hln prlvldlll Plrfod of nOL h,.. Ih6ln 30 dl)" Crum lh. dllU Ihu noUc, 111I
d,lIv""" or mullud within which Harrow., mUll poy III1.um. IOWrod by Ikl, !I,evrU)' '"ILrum,nL It
Horrowu (1111. lu pII., Ihu,. .um. prla, 10 lh, ..plraUon o(lhl. purlud, IAlnd" mn, In'IGklllny nthtdl..
ptrmiu,d b, Ihl. SlIfUril)' 'n.lrum,nl wl,hoyt tllrlh~r nolln or d..llund QlllJurru.lr.
BY S'CNINa HELOW, 80rro..., Itupta .nd .m.. 10 lh. linn. and cO....nll"1I con....'n.d In Lhl.
AdJ....bl.R..'lUd", ~ 1
~-. J.-n
,f.,/I (A.a ' UND i.LOPd--"-".i~-____.._,_~!
",,'~ -'----'------18'.11
...-
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ffiK Ef15 mr 198
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...-..... ..........- . . ....
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EXHIBIT C1
,
r
--""~f1
ASSIGNMENT OF MORTGAGE
/2-;CPO 071: 1'1,
7 ~ ",,,,,
IIlOll ALL HEll BY THESE PRESENTS that Resolution Trust Corporation as Conservator or Receiver for First
-Federal Savin~s and Loan Association of PittsburAh s/ili to or f/kia, as the case may be. First
United Federal. a Division of First Federal S&L Association of PittsburAh, the Assignee of the
Hortqaqee nued in the Indenture of Hortqaqe hereinafter lentioned, for and in consideration of the SUII of OIlE DOLUR
($1.00) lawful loney unto It In hand paid by Fairfield Affiliates, a General Partnership, hereinafter
'Assignee' at the tile of execution hereof, the receipt ~hereof is hereby ackno~ledqed, does hereby grant, barqain,
sell, assign, transfer and set over unto the said ,\ssignee, its successors and assiqns, ALL THAT CERTAIII Indenture of
Hortqaqe qhen and executed by Saundra S. Lopez to First United Federal. a Division of First Federal
S&L Association of Pittsbur~h bearinq the date SI20/87, in the aDount of $S 1,300,00, toqether ~ith
the Kote and indebtedness therein lentioned, said Hortqaqe beinq recorded on SI21/87 in the County of
Cumberland, COllonwealth of Pennsylvania, in Hortqaqe Book 86S, paqe 192.
Tax 1.0. I.
Beinq Known as Predses: 14S North East Street. Carlisle, PA 17013
and 1937 North Second Street, Harrisbur~. Pa 17102
Also the Bond or Obllqatlon In the said Indenture of Hortqaqe recited, and all Honeys, Principal and Interest, due and
to qrow due thereon, with the Warrant of Attorney to the said Obliqation annexed. Toqether ~ith III Riqhts, Reledies
and incidents thereunto belonqinq. And all its Riqht, Title, Interest, Property, Clail and Deland, in and to the SaDe:
TO DAVE, HOLD, RECEIVE A1fD TAKE, all and sinqular the hereditaDents and preDises hereby granted and assiqned, or
lentioned and intended so to be, ~ith the appurtenances unto ,\ssiqnee, its successors and assiqns, to and for its only
proper use, benefit and behoof forever; subject, nevertheless, to the equity of redeDption of said Hortqaqor in the
said Indenture of Hortqaqe naDed, and his/her/their heirs and assiqns therein.
IH WITNESS WHEREOF, the said Resolution Trust Corporation as Conservator or Receiver for First
-Federal Savin~s and Loan Association of Pittsbur~h s/i/i to or f/kia, as the case may be. First
United Federal, a Division of First Federal S&L Association of PittsburAh has caused this
Assignlent of Hortqaqe to be duly executed by its authorized Attorney-in-Fact this22nd day of June
1994.
Resolution Trust corp~r tion as Conservator or
Receiver for First "F eral SavinAs and Loan
Association of PittsburA sli/i to or f/kia. as the case
may be, First nite~deral, a Division of First
Federal S&L sociaUolII dr Pi ur
By: ~" /
oug u ett. Attorney-lIi-Fact
Which Power of Aqtorney is intended to be
recorded in CumbJrland County. PA immediately
prior hereto.
Sealed and Delivered
in the presence of us:
State of
Te%as
county of
ss.
BARRIs
On this ~dday of June , 19_, before De, the subscriber, personally appeared
DOUR Burdett , who acknowledqed hiD/herself to be the Attorney-in-Fact for Resolution Trust Corporation
as Conser/ator or Receiver for First 'Federal Savinqs and Loan Association of Pittsburqh s/i/i to or f/k/a, as the case
aay be, First United Federal, a Division of First Federal S&L Association of Pittsburqh, and that he/she as such
Attorney-in-Fact, beinq duly authorized to do so, executed the foreqoinq instrunent for the purpose therein contained.
~ h./{/;'ouJ
, 1I0tary Public
IN WITNESS -tEREOF, I hereunto set IY hand and official seal.
The precise address of the
within naDed .\ssiqnee is:
c/o G.E. Capital Asset MilllJlAement Corporation
2000 West Loop South. Suite '300
Ho~stop; :J(71227 '
4'1' ~ "1:......J. _
I
t
~""-~., TOM A. NOWAK
1'.J,,;.~ NdOIy Nic, Slalt 01 !"..
e\ }f{ /e M1 ComnUion EJ;iR1
'" JANUARY" \\1;7
Al.L that c:.u"t;aln 10'; or pi ttCt;t"~ l!:,d si':t:!':e 1~ -=.~e ll':~ \..t~=d cf :~e Ci~j of
Harr1sburg, Dauph1n Coun~y, Pennsylvania. more par~1cularly bounded and descr1bed
as follows, ~o ~1,::
BEGINNING at a p01n~ on ~he Eas~ern 11ne of Second Stree~, tyenty (20) fee~ South
of the Sou~hern 11ne of eeffer Stree~ at l1ne of land no~ or late of L.M. ~acbaugh;
thence Eastvardly along sa1d ~a=baugh land ~hrough the center of a part1t10n yall
and beyond eighty-e1ght (88) fee~ to land, now or late of Alv1n I. Stacks; thence
Southyardly along sa1d StacKs land tyenty-two (22) feet, core or less, to a p01nt;
thence Westwardly parallel with Peffer Street and along the Northern end of a
t~ree (3) foot ~ide ~=ivate allej t~=ee (3) feet to a pest at 11ne of land now
or late of Charles S. Sourb1er; ~hence along sa1d Sourb1er land e1ghty-f1ve (85)
feet to Second Streetl thence l;orthyardly along Second Street, twenty-tyo (22) feet
~o ~~e ;l~ee of ~~G~~:!MC.
HAVING thereon erected a br1ck dyel11ng house kno~~ and nucbered as No. 1937
~orth S~cond Str~~t, Ha:risbu:g, Pa. Tax Parcel # 11-007-075
i1
.,
~tt that cert.!n JOt of grOUnd ~l.~ '
.r~ctfJd ..1....Jo.. ,_ th 1" .. t.~e .1::\prove:!.J't~. t,':.~eo.,
-....... "" it .... w..... , r.
counc~ of Cu",llerl.nd .nd.;c~te-.~ ~. t ..!!orcugl1 cf CerHaJo,
d'6crlb.d .~ lOJJCW~1 o. enn~y V4n!~, ~:~~~r~ And
D,.,... II.. .lOe
, __,'II.il........ at.. cern:: o! !c:
A.n.s~.;h/ t~'nc. Hort~ alan nc~ c:,!::~e:!1 c! Ho:~.n C.
J5 (sec to . po!nr, eo~ner o~ ~~~..r~~: ::~~ ot HorCh ta~e Sereet,
.~~.":er:~:!:..,.. C'lo,,,,-. f'... ...... _ ..... ....'rI O. .0:::o:.:-ly of C,"'~r!~~ -
.. ... -..... ~....:'19 tr.e Sl-Q 2'.... ( ..
Sp:J,'9; thIne. !:u t"'-e .._' 5' ,..,.., ~tJe to cr.. Le:"o::
( .., -, ...e, ou"h 15 '.,.. ." 1
C He:m.n C. R1n'J.,:!eh/ th8.'Clt. - ... ':" ot nO'J or Ilor.~,:ly
Pl.e. O( SECIHHINC. BEIHe knc~:~ the a.~., Wea. 240 (.e. to chI
C4I:l.l,':e, Pe."1ns2'l'l".a".!:. IS HOI .45 ,Yo:e,') rl:: S::~et,
BilllC t~. SO.'I p'op..t~ ~, ~
llolHngor, l:~ ~e.~ d.~e" ~.n'u~,..e, Rod E, V.r.,.'} .nd El.1n.,.f.
OLt!CA ot th, ,1ttt~=r".. c' Q ".~/ 2J, 19!5, ,nd recorded .In eh.
d -. ... .8.., 0- Cu~"'..tO_J C
tI., c:onv,':J.~ Un:o S'U:ldr.s $, l.. . t, ....... ... c-.:.'cl/, o;:ane.d
c~.:. Tax Parcel #02-21-0318-153
EXHIBIT A
I
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f'
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EXHIBIT 0
" '
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F...:Ut rECEB)U:l
L.W1lElfCE t, PBEt...,<
HAROLD N. K..PI....."".
JO.lt.lI ~ BRODSKY.
PETER C. CILlO
R""ECC. R. WOODSIDE
L"SLlE E, PUID....
F...."ClS S. RAI.Ll:fAN.
SCOTT 0, SHEa...,,'
O.:<I"L Q, SCHMIEO
. ADMITTED Uf PA .t.JfD N,J.
L.w O....ICES
FEDERMAN AND PHEL.A..~
SUITE 000
Two PENN CE:lTEB PL.A.ZA
PHILAIlELPHU, PA 1010Q-1700
(1210) llCSO-7000
T"LEcorl"a' (llIll) OCSO-0004
l-l"D....O....ICE
040 NORTH HEIUSROlf
MEDIA, PA 10080
(D Ill) 0''''0744
MNIJf"T1I&Toa
00".= E, QOOD...lf
NEW JERSEY O....ICE
SUIT" 1l01l
SE><TBY O..FICE PL.:U
sue HADDON AVENUE
WasncoNT, NEW JERSEY OSloe
(000) Ollll'llllll
Taucopua' (eoo) ea8.Q4ea
PL".." REPLY TO
THE PHILADELPHlA OFFICE
June l5, 1994
Saundra S. Lopez
145 North East street
Carlisle, PA 17013
2580 Lewisberry Road
York Haven, PA 17370
1937 North Second street
Harrisburg, PA l7l20
Re: . Premises:
Loan No.:
l45 North East street, Carlisle, PA l7013
3300007634
NOTICE OF INTENTION TO FORECLOSE
We represent Fairfield Affiliates, the holder of the Mortgage
on the above-referenced premises, who hereby advises that it will
accelerate your Mortgage (demand payment in full) and pursue the
foreclosure remedies permitted by the mortgage unless your loan
delinquencies are cured as provided below.
The total delinquency, inclUding late and other charges is
$32,064.95 for the months of ll/l/90 through 611194. Your failure
to pay the delinquent amount, plus any additional monthly payment
and late and other charges (including any accrued interest) that
may come due within the next thirty (30) days, will result in the
acceleration of all sums due under your Mortgage. After
acceleration occurs, a foreclosure action or any other remedy
permitted by your mortgage may be instituted.
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To avoid the acceleration of your mortgage and subsequent
foreclosure action, the delinquency mentioned above and any accrual
thereto must be paid by CERTIPIED CHECK OR HONEY ORDER and recsived
in our offices at suite 900, Two Penn Center Plaza, Philadelphia,
PA 19l02, in or before thirty (30) days from the date of this
letter. Please call (2l5) 563-7000 for the exact amount required.
You have the right to reinstate your mortgage after
acceleration by fulfilling the conditions stated in your mortgage
pertaining to such reinstatement. You may call our office to
discuss these conditions.
Any future negotiations attempting to reinstate your loan or
acceptance of any payment less than the full amount due shall not
constitute a waiver by the mortgage holder of the acceleration
unless agreed to in writing by the mortgage holder.
You have the right to assert in the foreclosure proceedings
the non-existence of a default or any other defense to acceleration
and foreclosure.
Very truly yours,
FEDERMAN AND PHELAN
By:
Frank Federman
FF:lg
cc: G.E. Capital Asset Management Corporation
Attn: Sharon Carter Loan No.: 3300007634
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MONTHLY PAYMENT SCHEDULE
1l/l/90-6/l/9l @ 790.97/1110
Late Chq. @ 23.32/1110
7/l/91-6/l/92 @ 738.18/1110
Late Chq. @ 20.68/1110
7/1/92-6/l/93 @ 688.80/1110
Late Chq. @ 18.2l/1llo
7/l/93-6/1/94 @ 643.33/1110
Late Chq. @ 15.93/mo
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EXHIBIT E
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. ~ NatloDal F1l'st Mortgage Corp.
Loan Administration
180 Fort Coucn Road
P'nsburgn, Pennsvlvanla 15241
14121854,2990
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:~I.'~"': :1:"';" 1;!1rt,~r:: '~'17 1~t"1I"-:: :1,ii'41-::1~.: I
''::i...,!':.'::r:;~JC'' ,'.OI,;rGi:iG~ ':,:;'Er;!"A~'''C;;: .~I:r (.... ~ :'f;"\
~l~l~iE ~E~D r~:~ NOTt([, '(OtJ MAt' i~ ~1_IGtSL~ ~Q~
,:"!;~~I~i,; .,.L I.':;:: rST,.t1::e: TOt.lAPD '('JIJf\ 1,01\ rG':,I;E F ,.'lliF.:i~ t'"
tjr:Ti)EI;'~I1, ~;~ ,',.', "
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SAU~H:tR~~ ':3 i_CF'[.~
· ';3--' r.~ ~ND '3T
HARRrSBURG PA1110:
RE: MOR'~AGE ~~COU~T NO. 15~~6a-\
Yau~ MORTGAGE IS IN SERIOUS DEFAULT 9EGAUSe: YOU HAVE FAILED TO PAY PROMPT~~
!NSTALL~ENTS OF ~K!NC!PAL _ND tNTEP~5T. AS R~AUIRED, FOR A PERIOD OF ~T
LEA';7 :~ !:(T'( .. b\1'o DA'(';,. THE nlTAL Ati'JIJN T OF THE ['EL IN(;lUF.:Nr:y IS 1> 9. j:;:. ,~4 ,
THf~~ ';iJioi rj\lr.i_'..I!";:': "71..E r'jl_LijlaJ!rJra:
P{:"(ME~J'j'5 I=-R(it1 :'II~vF.j,BEP ~~I! 1 ~,?,j r.) (HE PP.~SENT rIJT.;LING 11 :3.771..'. .,~:
THiS ~~QlJ~r ~(~C1 ~or '~~jCLUDE LAT[ ~H~RGES.
'('11) ,1,~'{ (<I;: ~:;_rG!E'LC;: FIJr; FPJ"i'IO:T.:>L "';;'=I'~T'~No:e: THAT Wtl.L F'I',EVE,.T FOF,r.:':I_'J::l)F'~
'ji'J -,'(.~,r-:, rljjl'r:: ~'-:;! IF 'f:jlj t:'JI1~'L'" 1"1":~ THE F'ROVIE'I')NS ')i=' THE HrH"F.:ij'.Ji'~EF:'; I i!:':I::~;
:;ENC':' tilJR,il:;~I:;E ~';::.:r';-rl:"~h:F. ,.',,:;r (~r~ 1'~~13 CrHE ACT). '(01...1 11,::.'" rh:: ~LIG_tEtl..r;: F"J~
SMEr;~~NCV TE~PGP~~V ASSr;TAN':E IF ~QYR ~1.tGtBtLITY Pr.:OUI~EMENT~ DF THE ~CT
A:; r'~TSPH!;~;;;:' [<', THE r'orlrlS'(I_VANT.A HilUS [riG FINANCE Alit::~lr;-(. F'I..r::ASE fl';:':'r., ,~'-1.. .'
THIS ';~ri~~. 11' ~ON'rAt~S ~N E:!F'LANAT~OiJ QF YOUR ~IGH'r$.
1J:;r,I~F Th~ ':'1': r, ',.,U ;.F.E' .:rtT1:TLEL' j(l .... r..:i..piJp,AR'y' -:;T,:,:'( OF r:IJRI:::CLIJ51JRE I)..J "lJU\'f
MO~~G~~~ ~~p r;~!;,TY i10~ OI~)'S ~;O~;~S 0A-r~ OF !HIS N~Tt~E. ~UR!~I~ T4A'r rt~'
''''~II.1 1.11:..'/F- TI~€ n 1>';14-:- To' i-"tRfi~;"Jr~;~ '4 ",:'A'':.::: "-0 I~AC.!" MEETI:'J!.'; bIIT!.1 A ~EPnF..:'5E:r,ITATr"
'iF 7:'1~3 :_r.:Nne:::; en !uti'l-' 1.\ ':'~~.!GN'::-lE~' l":OiH:lJi'lER Ci\EDIT I:OUi':::,ELli\:G ~r,.:::t,Ir:'(, "HE'
FIJPF'':''of~ I~,,:' THI1 i j~o:.r;: i I"G :'5 rn ,. \' ;E~,,; TO WORI( 'JUT ,; F.t:PA'(MF.:~IT F'!_AN, IJR Ij"";.;"
'.:!':F:: ;r:T-'''t.F.: '-tjd" ':oEi_ !:-.rQU[rJCY.. TH~i i'~C:r.'i!tJG HUS"T' OCC:Up, "ti'1 THE' NE:<T 'i!.t!~.""
.. 3\);' {):~ :'~;
:F~~i~ ~T'~~n ~ ~~c~-rQ"F~~E ME~1'1~G ~ITH THIS LENDE~. OR W1TH A CONSUMI~~
CR;:T.'F O:'!UN-::t:.'!..i'~'; {.';E~!O:Y T.i:lEN ;;:~ t-!:' "'j TH [$ NOnCE:. N'j FlJflTrlEf/ PI\O)O:E:~D [IK :
"IC,iF,";,,':;;: F';:;<F.':'.()!;\jio,E: MAY T,~liE F'I_'~Cr:: ::-Oi', THIRTY (3'~', (".,.(':; ~\FTEP, THAT Mt;>::T:t,":
nv: ~1{,,'j1::'~. OF 1]1)'< RF-Fr,;:SENTf. rIVI:S ,,;n.o: E'.T.ZAEtETH liACI( MHo '.ORI I<f/ACNES - THE'.
r.AN SE ;EACHE~ PT' ~)TI~~AL ~lRST i,QPTGAGE tORP~RAT!DN. 180 FDRT COUCH lQN~
F.!TiS~lH;'.';H, F~:' ;-:":~\ii r:'''~O:.lf 1-80',:.-:::3-::-2'?66.
T~~ ~;~~~~ ~ND AODRES3E~ 0~ ~E$:G~A1~D CON5~JMER CREniT ~~UNS~L!NG AGENCIES
4P€ P~ijV\tE~ T~ l'H~ ~~ICL~S~D '_!Sr!N~.
Ii' .. ,", 1;o.1i.:M' r:::::':,::::~SI;'I~'" Tj: ~r.}'H:!:II.J'_E i':'rJt:: i':"ACE-TQ'''!:j:..r:E r1EF.T!i'llj. "t"jIJ ';HOlJLD ~[Ivt.
rt~:~ ~_~~OfR rMh~O!ArEL( ~F )~lj~ [NTf~JrtONS.
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: ~ National f1rst Mortgage Corp.
loan Administration
180 Fort Coucn Road
P1nsbu'gn, Pennsv'van" 15241
14121854,2990
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!F ....,.' 1.lt. \i..: ~F(~r:l ,...,n', ,""pf:: j~i"~f~I.S TC l~f:':~O'-"1! r:.q;; ;:'Rl)fcl.::~'1 i~T I)r, ~,i:"l~P. '(OIJ~
.....f~\I:s-r,J-I:-'~;I:i: I"iE>~'!"~;.!.:;. 'IJI} "1o...V.~ :-he: F,rl~Hr rlJ (...pr.".', FI)P r"'N~NCI(41_ A~SI':rr/~rll:;.~
-:',:'Ri:. ':. i~.:i,.;n:,j:lfhJrt: S. I:.i-i(!;: 1;~..jC y !-'tlllTl~~I-;E l~~~!~ t S T~r.i: E FI)NfJ. !t-I wn.DE!~. TO DO T1-I IS.
YOU "IUS r tqt..:, G1Ji, ;; (.:'1 ,'lNr' FT.I_!! ,;; HOI'iE'jl~NEPS' ~:JoIERO:;ENC'1 ..':i.;r5T(~NCe: APPI_I':.~-
TtON ~:TH ~~e: Fi~NSY~V~N!~ ~OU5rHG FINANCE AGENC~. THE CON&UH~R CREDIT COUN-
SiLI~~ ~~~NCY WI~L AS~r5T YOU IN FILLING OUT YOUR APPLICArION. !T MU~T ~E
FiLE~ 0~ "QSTM~RKED, ~tT~!M T~IRTY 'l0) OA~S OF YaU~ FACe:-TO-F~Ce: MEETINC,
YOU hUST ErfHER MAIL 'OUR APPLICATION TO THE PENNSYLVANIA HOUSrNC FINANCE
AGENCY, OR ~~) MUST ~ILE IT AT THE OFFICE OF ONE OF THE DE5IGNAT~Q CONBUM~R
CREDIT COU~SE~ING AGENCIES IN THE ENCLOS~D LISTING.
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THE FE~NSYLVANl~ HOUBIN~ F1NANCE ~G~NCY IS LOCATED AT' 2101.NORTH F~ONT SY,
P.O. BOX 8029, HARR!S~URG, PA 1 710~. PHONE (7171 79B-3aQO OR 1-300-342-2397
CTOLL ~REE NUMBERl.
AN ~P~~IC~TTON ~nR ~S~TST~~CE ~~; 8E ~BTAt~ED FROM THJS LENDER, FROM A CON-
SUME- (R~~rr C0UN~ELr~G ~C~~CY, a~ D~p~crLY FROM THF DENNSYLV~NiA HOUSIN~
I:''LN':'N1-:: ;..Gi;'!\!i:':".
~l .~: ::'l"':'i~'J.=.:;.;i'i~'t'. '[Ml"'ijrT.~NT Tt.I~il"j:.l F"t1_E '!'l':'lJl'. I~PI:.t!CA'T!CIH t':'t(OriF'Ti.."f.. IF 'r'ljiJ
DO ~OT DO JJ. OA !~ 11U DO NOr ~OL~O~ THE OTHEF rIME PERIODS SET FORfH EM
T;'!I~ ;_~7T~R. ~~nE:i.OSIJnE ~AY ~RO~~I~~ ~GA[NST YOUR I~OME [M~![~!~TEl(.
,wr, [L,AIII_E ;:;.;"10'5 ~~I'F 1;1~~FI';"-~;'JC'i l'iol~ r';Ao;~ A:3'5 y,:H,:,r!CE ARE VERY L rlH TF.:D . nlo~',
~ILL ;~ Dra~0~S~D ~y lHr ~GEN(~ '!~DER THE ELIGIBILITY CRITE~[A EBT~'L!SHED
E<'( n"F (1': T ,
:~ ~;; ~.':'rp~M~:.' t~P0~T:_~'r ~~jA~'(OIJ~ ~~p~tCATro~ IS ACC1JPATE ~ND ~OMPlET~ ti':
Ev~q~ ~FS~~~T. r~~ ~OUNS~LI~~ ACeN~Y wrLL HELP YOU ra FILL OUT THE APPI.IC-
~'.ri'jj~ THI:' ':':::;',;"';";'I_Vp"It.:. lel')I.,'3Ii\lG F!i'I,;tJCi! :4r.!!i\IC'{ Hl~S SI'1:-rV .:.;(=)', LIf'-\Y'3 1r) 1-'t',i(F.
~ [~Cr~r0~ ~~TEA IT n€CSIVS~ YOUR APPLIC~rION. DURING T~Ar ADDITIONAL rI~e,
NO ~~~~;:~O~iJ~~ ~~Qi:~~DtNGS W1L!_ ~E ~'I.!~5UED A~AI~JqT ~au iF ~OU HAVE MET 14E
rI~E ~~aU!~~MENrS SST ~OPTH AiOVE, YOU ~ILL SE NOTIFIED DIRECTLY BY rHAr
~G[~:I~~ ~~ rrs i'~~!~~I1N Gr! '(0ll APPLICATION.
'(ojlJ :1,~V", 1:'LI:';:;~[o'; oj" VI AN,rr!,):. IH...i. flEer-IVE ANOTHEfl, NOT!CE FP.oJI1 THI':; '_ErWF:'i
IJ:~D~P ~Cl jJF '"~7d T~II'lT ~:Qr:~E 1:; .:ALL~D ~OTtC~ O~ tNTENT!~W TO FORECL~SE.
"iJU ;;,1" r 11';:0"i.' r.1:r'.j NljjIC!-Z~ Sn-CE rf-ll~'f E"JTH EXF'LtHi~ ~UGHT':; rHr.T YOI: rlOIJ H'.V;:,
'j!'H)~':; ;-'I:;.,"jo.l.:O{i.. 1.,i..'l_ l:.' 1_:..;1,1, ,.ji'I~E'VF.F". tF' fOlJ .:!-IOOSt: j'::' ~:S:ER': ISE "!'CHJFo I;' j.:;H"rS l.E....
SSAI8aG l~ r~IS ~0rECE, W~ C~NNCT ~0RKCLaSE UPON YOU DURING THAT TIME. ALSQ,
~;. 0,:. ("'i. t':: ~,;:!~l~ !:"1~'''~r''-' !~.,!.. i~!::r:.:[Sj~t.:Cr:: Fj: r,.i~ THE r:'ENNSYl,V..'.NtA HOlJ~;ING F'tjoJp.~;t;::
"I;I;:~I': I, :'~:;.!Il Ho);,F. CI'l';~"Jr F.E ~"llfl(-::,:'_e'5I;:r' UPON WHT.I..E '(OU "IRE RECEIVING rH(.r
A':55~:" . ",liSc: !
':"j!o' I~;r.~ :;";.",
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~ ~ttnnlll FIrst Martgige Corp.
Loan Admlnlstrallon
180 Fon Couch Road
Plnsburgh, Pennsylvanll 15241
(4121854,2990
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!M~O~T~N.r rIOTT~E I)F H~l~EQ~~E~~1
F.M.!A':F.NO:". I;Ofl r,;AI;1! (~':S I'; TA'Io:E A': T OF 1'.':13
OCTOH:':;
s~~~~t A~~D THIE NOTIC~. YOU MAY IE ELI~I9L~ FOR
"""" lA' """'"" ".", YO"' Z;~'~'""
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SAUND'\,; .. '.OF ~:Z
145 N. EAST 3T.
CARLISLE,PA.170iJ
RE' MORTGAGE ~CCaUNT NO. 352068-1
YOUR MORTCAGE IS IN SEPIOUS DEFAULT BECAUSE YOU HAVE FAILED TO PAY PROMPTLY
INSTA~lHENTS OF PRINCIPAL AND INTEREST, AS REQUIRED, FOR A PERIOD OF AT
LEAST SIXTY (60) DAYS. THE TOTAL A~OUNT OF THE DELINQUENCY IS ~ 9,~32.64.
THAT SUM INCLUD~5 THE FOLLOWING'
.
PAYMENTS FROM NOVEMBER 81. 1990 TO THE PRESENT TOTALINC . 8.776.72
THT5 AMOUNT DO~S ~aT IN!:LtJDE L~TE CHARGES.
YOU MAY ~E ELIG[FLE FOR FINAN~IAL ASSISTANCE THAT WILL PREVENT FORECLOSUPE
ON Yrnl~ MORTGAGE I~ YOU COMPLY WITH THE PROVISIONS or THE HOMEOWNERS' EMER-
GENCY MORTGAGE A3Sr~T~NCE ACT OF 1963 (THE ACT). YOU MAY BE ELIGIBLE FOR
EMERGENCY TEHPOR~RY ~S5I~TA~CE IF YOUR ELIGIBILITY REQUIREMENTS OF THE ACT
AS DErEP~INED BY THE PENNSYLVANIA HOUSING FINANCE AGENCY. PLEASE READ ALL OF
THIS ~DTICE, IT CO~T~INS AN EXPLANATION OF YOUR RIGHTS.
UNDER fHE ACT, YOU ARE ~NTIrLED TO A TEMPORARY STAY OF FORECLOSURE ON YOUR
MOR!G~GE ~OR T~IPrY 1101 D~Y5 FROM THE DATE OF THIS NOTICE. DURING THAT TIHE
yaU HAVE THE RI~HT TO ARRANGE A 'FACS TO FACE' MEETING WITH A REPRESENTATIVE
OF TH:~ LENDE~, OR WITH A DESIGNATiO CONSUMER CREDIT COUNSELING AGENCY. THE
PURPOSE OF TH~T MEErIN~ IS TO ArTEMPT ro WORK OUT A REPAYMENT PLAN, OR OTHER
WISE SETTLE YOUR DELINQUENCY. THAT MEETING MUST OCCUR IN THE NEXT THIRTY
(3(') D~I':'S.
[,' :';'i: AT1'::Nv "i F~CE",O"F',':'~ MEETH:';' 'JITH THI:: L!::rIDIIP.. OR WITH A CONSUHi!R
CREDiT COUNSELING AGENCY IDENTIFIED IN THIS NOTICE, NO FURTHER PROCEEDING IN
MORT.>GE FORE':I.Q;:IJI',j! MAY TAI(E F'LACE F OR THIRTY (10) O.WS AFTER THAT MEETING.
rHE NAMES OF OUR REPRESENTATIVES ARE ELIZABETH HACK AND LORI KRAGNES. THEY
':,~tI ~;:: P,;::..CHr::() ';'T' NATiij~IAI_ FIRST MORTGAGE' ccmF'Or<ATI.jN, 180 FORT COUCH TOWER
PITTSB~RGH. PA '5141; PHDN~ 1-800-336-2~66.
THi W~~(i AND ~DryRES~~e OF DESIGNATED CONSUMER CREDIT COUNSEI.ING AGENCIES
Ar<,;:: ~pwn oo;r, I:-l rHt:: ENI:I.o.1':i':D L!STH!G,
IT t~ ONLY ~E~!~2~~V TO SCHiDUL~ QNK FACE-TO-FACE MEETING. Y~U SHOULD ADVISE
fHI5 L~~rE~ !M~~~i~7~~Y OF Y0~P INrE~iT[aNS.
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"C,. ':h,')i,lo..t, ,'':::.,X:':: 1'"11' .. ';r:l,;,.IF'1"',; :,,;\.r.: WIll. E,m '(OUr>. I)I~i~i::R5HI': i)F THI, MORT
"I;",;",;, ;.'f,l,PF..i n "'H' YI)IJR ~i (1;I'IT r:;:, fIEI,,,HI I:~ IT, IF '(OU CONTINUE rQ '_I'JE IN
lH~ o':0F~~r~ HFr~~ T~E S~ERtFF'5 S~L~, ~ LA~5~I:T MAY 'E STAPTED TI) EVICT YOU
YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PROPERTY.
YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN HONEY TO PAY OFF THE MORT-
GAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO'PAY OFF
THE DEDT. YOU HAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT
TO THE HORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUHE THE MORTGAGE DEBT,
PROVIDING THAT ALL THE OUTSTANDING PAYHENTS, CHARGES AND ATTORNEY'S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREHENTS UNDER
THE HORTGAGE ARE SATISFIED. CONTACT US TO DETERHINE UNDER WHAT CIRCUHSTANCES
THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF.
YOU WILL RECEIVE ANOTHER NOTICE OF CERTAIN RIGHTS YOU MAY HAVE UNDER THE
HOMEOWNERS' EMERGENCY HORTGAGE ASSISTANCE ACT OF 1983. YOU SHOULD CAREFULLY
READ THAT NOTICE SINCE IT EXPLAINS RIGHTS YOU MAY HAVE UNDER THAT ACT TO
OBTAI~ MORTGAGE ASSISTANCE TO CURE THE DELINQUENCIES AND POSTPONE THE START
OF FORECLOSURE PROCEEDINGS WHILE YOU APPLY FOR SUCH ASSISTANCE. THE DATES
,:STATED' ABOVE FOR ACCELERATION, FORECLOSURE AND ESTIMATED DATE FOR THE
SHERIFF'S SALE ARE BASED O~ THE ASSUMPTION THAT YOU DO NOT TAKE ADVANTAGE OF
~ ANY RIGHTS YOU HAY HAVE UNDER THE HOMEOWNERS' EHERGENCY MORTGAGE ASSISTANCE
ACT OF 1983. IF YOU DO EXERCISE YOUR RIGHTS UNDER THE ACT, SUCH DEADLINES
WILL BE EXTENDED TO PERMIT COMPLIANCE WITH THAT ACT.
YOU H~~~ fHS RICHT 1'0 ASS~RT I~ A~( FnREC~aSURE CROCEE~rNG OR ANY OTHER LAW-
';I)!" ':"i!:riTI.:'r!~ IJ~n~r 7~E ~Q~TGAG~ ~QCIJM~~JTS. THe ~!ONExtSTEN~E OF A DEFAULT
(." AtJ",-' 'JTloo!;;:-~ rJ~.;':::;-.19€ '.,oOIJ rf~Lr~v,:: "OlJ i-i~'r' Hfi'/E TO AN't SUCH pC:Tr.,J",.
~j:" '1"':'1: i"(~~NT,.;,t;.; ~:R.I~-;:I.tT L!F;;' Ijli r..t':;~r1:i_'!TY tioJ511RArJei:: tN CONNE:l:l.ti)f.f '..JITH 'y'OUI~
MOATGA~( ~OArl, il)U~ F~ILUR~ 10 P~Y PRE~rUMS WITH YOUR PAYMENTS MAY ~AVE
"'I.i'<.':;;; ( Ri::;ULTl::r, C'I~, ;"",y Rr::r"I,IL' I:v Ti-tE .inURE rN THE L,~F'SE QR CANrF.:l.ATICtN OF
THAT I~SURH~GE BY THE INSURA~CE COMPANY. IF THF.: INSURANCE LAPSES OR IS CAN-
~~LL~~, R!l~~ryTE~ENT OF THE I.DAN ~IL~ ~OT REINSTATE THE INSURANCE, AND YOU
WILL HAV€ ro ~PPLY ra THE I~SURAHCE rOHPANY AND QUALIFY FOR REPLACEMENT
!;'~~L,j:,,,:':rF ~=. 'T.!U IIITSI.! ~t, ~r.;",!~!~1 TT
IF YO~ ~A~E PARr:AL pAYM~NrS rOWAA~ TF~ DELINQUENCIES, WE MAY ACCEPT THEM
A~D ~~p~~ THEM TO THr ~E~!NQ~ENG!ES. ~OWEVER. SUCH pArrIAL PAYMENTS ~ILL
HOT cu.~ youn DEFAULT OR R~IN9TArE YOUR LOAN UNLESS WE RECEIVE THE ENTIRE
r:.riOI;~: i~F.:(~U1,;'(.~(l Tr:'l CURt:. l;.H: ;:-I!F~UL'r.
CF YOI) Ci,!F" TIiG: Dr::F;.)IJLT, THE i,CllTGA<;E :.JILl. BE RE'HOP,ED T'J THE SAME F'OSITIOrJ
AS Ii" d'j !ol'"""'IJ'.T '-i...r, ',:;c.:l,ln!,!:'i.'. H"WEVf:':" you ARE NOT E'fJTiTL;::O TO THIS RIGHT
TG ':')1"" "'jl)<I 'JI,F:.1.)'3 h'Jfl': THAil rrIP!=.~ rrl1t.5 IN ..'rr, ONE CALnl['AP YEAr<.
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""ClIIIal.a INlU....NCI_.aINAITIII
1Iec:1Iwd' m:
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F.l'T3ElM~h. rA l11l4,
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-U.S GPO; 11111-0-212'404125'4'
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FEDERMAN AND PHELAN
By: Michele M. Bradford, Esquire
Attorney I.D. No.: 69849
Two Penn Center Plaza, suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
2000 West Loop South, suite 1300
Houston, TX 77027
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COURT OF COMMON PLEAS
CIVIL DIVISION
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CUMBERLAND COUNTY
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Plaintiff,
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NO.
SAUNDRA LOPEZ
145 North East Street
CarliSle, PA 17013
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:
Defendant.
.
.
.
.
.
.
VERII'J:CATION
I, Susan deBoisBlanc
, being duly sworn according to law
depose and say that I am the Authorized Signatory for the Plaintiff
in the foregoing matter, and that the facts set forth herein are
true and correct to the best of my knOWledge, information and
belief.
I understand that this statement is made subject to the
penalties of 18 Pa. C.S. S 4904 relating to unsworn falsification
to authorities.
Date:
f-/[J- 7'1
~fM\ck ~00vbQ.(}ftf,
Susan 'deBoisBlanc
Authorized Signatory
G.E. Capital Asset Management corp.,
Servicer for Fairfield Affiliates
"
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.,
PBDBRMAN AND PHBLAN
BYI PRANK PBDBRMAN
J:dentifioationNo. 12248
Two Penn Center Plaza - Suite 900
Philadelphia, PA 19102
(215) 563-7000
PAJ:RPIELD APPJ:LJ:ATES 010 G.B.
CAPJ:TAL ASSET MANAGBMENT CORPORATION
2000 WEST LOOP SOUTH, SUITE 1300
HOUSTON, TX 77027
v..
SAUNDRA LOPBZ
145 NORTH BAST STREET
CARLJ:SLB, PA 17013
Attorney for Plaintiff
CtlMBBRLAND COUNTY
COURT OP COMMON PLEAS
CJ:VJ:L DJ:VJ:SJ:ON
NO. 94-4691 CIVJ:L TERM
PRABCJ:PE FOR JtJDGMBNT POR PAJ:LURE TO
ANSWER AND ASSBSSMENT OP DAMAGBS
TO THE PROTHONOTARY:
Kindly enter judgment in favor of the Plaintiff and against
SAUNDRA LOPBZ, Defendant(s) for failure to file an Answer to
Plaintiff's Complaint within 20 days from service thereof and for
Foreclosure and Sale of the mortgaged premises, and assess Plaintiff's
damages as follows:
As set forth in Complaint
Interest - 8/1/94 TO 1/31/95
TOTAL
$71,329.56
1.705.68
$73,035.24
I hereby certify that (1) the addresses of the Plaintiff and
Defendant (s) are as shown above, and (2) that notice has been given in
accordance with Rule 237.1, copy attached.
DAMAGES ARE HEREBY ASSESSED AS
DATE: -;} d~, -3 If4J-
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
INDICATED. I j
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FEDERMAN AND PHELAN
Frank Federman, Esquire
Identification No. 12248
Suite 900 '
Two Penn Center Plaza
Philadelphia, PA 1910~-1799
(215) 563-7000
'1 . .. l- .'. ,., ~
Attorney for Plaintiff.
.
.
Court of Common Pleas
FAIRFIELD,AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
v.
SAUNDRA LOPEZ
: civil Division
.
.
Cumberland County
: No. 94-4691 civil
TO: Saundra Lopez
145 North East street
carlisle, PA 17013
DATE OP NO~J:CE:
t r',...t;....~'
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JaDuarv 19. 1995
J:MPORTANT NOTJ:CE
You are in default because you have failed to take action
required in this case. Unless you act within ten (lO) days from
the date of this notice, a Judgment may be entered against you
~ithout a hearing and you may lose your property or other important
rights. You should take this notice to a lawyer at once. If you
do not have a lawyer or cannot afford one, go to or telephone the
following office to find out where you can get legal help:
cumberland county
Court Administator
4th Floor
Cumberland county Courthouse
Carlisle, PA l70l3
(717f240-6200~ . Jt
~t1-X-tC ~/)/d.~
FRANK FEDE N, ESQUIRE
Attorney for Plaintiff
, :.~'.
"
..
PBDBRMAN end PHBLAN
BYI PRAHX PBDBRMAN
J:dentifioation No. 12248
Suite 900
Two Penn Center Plaza
Philadelphia, PA 19102
(215) 563-7000
ATTORNEY FOR PLAINTUP
PAIRPJ:ELDAPPILJ:ATES 010 G.B.
CAPITAL ASSET MANAGEMENT CORPORATJ:ON
CUMBBRLAND COUNTY
COURT OP COMMON PLBAS
CIVIL DJ:VJ:SJ:ON
VB.
SAUNDRA LOPEZ
NO. 94-4691 CJ:VJ:L TBRM
VERJ:PJ:CATJ:ON OP NON-MJ:LJ:TARY SBRVJ:CB
FRANK FEDERMAN, ESQUIRE, hereby verifies that he is attorney
for the Plaintiff in the above-captioned matter, and that on
information and belief, he has knowledge of the following facts, to
wit:
(a) that the defendant(s) is/are not in the Military or
Naval Service of the United States or its Allies, or otherwise within
the provisions of the Soldiers' and Sailors' Civil Relief Act of
Congress of 1940, as amended.
(b) that defendant SAUNDRA LOPEZ is over 18 years of age
and resides at 145 NORTH BAST STREET, CARLJ:SLE, PA 17013.
This statement is made subject to the penalties of 18 Pa.
C. S. Section 4904 relating to unsworn falsification to authorities.
1w1A ~
FRANK FEDERMAN, ESQUIRE
Attorney for Plaintiff
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FEDERMAN AND PHELAN
BY: FRANK FEDERMAN, ESQUIRE
Identification No. 12248
suite 900
Two Penn Center Plaza
Philadelphia, PA 19102
(2l5) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
Plaintiff
COURT OF COMMON PLEAS
CIVIL DIVISION
vs.
SAUNDRA LOPEZ
CUMBERLAND COUNTY
NO. 94-4691
Defendants,
VERIP'J:CATJ:ON
I hereby certify that a true and correct copy of the civil
Action Complaint on a Promissory Note in the above captioned matter
was sent by regular and certified mail, return receipt requested,
to the following persons, SAUNDRA LOPEZ at 145 NORTH EAST S~REET,
CARLJ:SLE, PA 17013 on December 28, 1994 in accordance with the
Order of Court dated Deoember 2, 1994.
The undersigned understands that this statement is made
subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to
unsworn
falsificatio. to outhoritis:_ ~
.;Ih tl-::r / c.. -t: ~/4:(~ d
FRANK FEDERMAN .....L
DATE:
December 28. 1994
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COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
Fairfield Affiliates c/o
GE Capital Asset Management Corporation
VS
Saundra [,opez
"
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In The Court of Common Pleas of
Cumberland County. Pennsylvania
No. 94-4691 Civil Term
Civil Action/Complaint on a
Promissory Note
Philip Baughman, Deputy Sheriff, who being duly sworn according to
law, says on December 29, 1994 at 3:50 o'clock P.M., E.S.T., he posted the
property of Saundra Lopez at 145 North East Street, Carlisle, Cumberland
County, Pennsylvania, with a copy of the Civil Action/Complaint on a
Promissory Note, according to law.
Sheriff's Costs:
Docketing
Service
Surcharge
Posting
14.00
2.80
2.00
4.00
22.80 Pd. by Atty.
]-03-95
Sworn and Subscribed to Before Me
This
!J~ Day of C).... "r
A. D . ---:ii~u 0. /'l1d6. ,;.J2p7f'
Pr t onotary .
1994,
So Answers:
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BY Pl~ R {'!""j f
Deputy Sheriff
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FEDERMAN AND PHELAN
BY: Francis S. Hallinan, Esq.
Atty. I.D. #62695
Ste. gOO/Two Penn Center Plaza
Philadelphia, PA 19102
(215\ 563-7000
FAIRFIELD AFFILIATES clo GE CAPITAL
ASSET MANAGEMENT CORPORATION
ATTORNEY FOR PLAINTIFF
vs.
COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
COURT TERM
No. 94-4691 CIVIL
SAUNDRA LOPEZ
ORDER
AND NOW, this
.2':1 this day of :flu. lrt....
, 1994, upon
consideration of Plaintiff's Motion and the Affidavit of Reasonable
Investigation attached thereto, it is hereby ORDERED that Plaintiff may
obtain service of the Complaint on the above captioned Defendant, SAUNDRA
LOPEZ, by mailing a true and correct copy of the Complaint by certified mail
and regular mail and by posting of the premises l45 NORTH EAST STREET,
CARLISLE, PA l7013, by the Sheriff.
Service of the aforementioned mailings is effective upon the date
of mailing and is to be done by Plaintiff's attorney, who will file with the
Prothonotary's Office an Affidavit as to the mailing.
In the event that Notice of Sheriff Sale cannot be made in the
manner provided in Pa. R.C.P. 402(a) or Pa. R.C.P. 403, service shall be made
by regular and certified mail to Defendants last known address and by posting
of the premises by the Sheriff.
BY THE COURT: We.
7\ (.~ ,<} Ie. c-.....
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FEDERMAN AND PHELAN
BY: Francis S. Hallinan, Esq.
Atty. I.D. #62695
Ste. 900/Two Penn Center Plaza
Philadelphia, PA 19'.02
1215\ 563-7000
FAIRFIELD AFFILIATES clo GE CAPITAL
ASSET MANAGEMENT CORPORATION
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
vs.
CUMBERLAND COUNTY
COURT TERM
No. 94-4691 CIVIL
SAUNDRA LOPEZ
MOTION FOR SERVICE PURSUANT TO
SPECJ:AL ORDER OP COURT
Plaintiff, by its counsel, Francis S. Hallinan, Esquire, moves this
Honorable Court for an Order directing service of the Complaint upon the
above-captioned Defendant(s) by certified mail and regular mail and by
posting of the premises, 145 NORTH EAST STREET, CARLISLE, PA 17013 and in
support thereof avers the following:
1. Attempts to serve Defendant(s) with Complaint have been
unsuccessful, as indicated by the Sheriff I s Return of Service by the
Sheriff's Office attached hereto as Exhibit "A".
2. Pursuant to Pennsylvania Rule of civil Procedure 430, Plaintiff
has made a good faith effort to locate the Defendant(s). An Affidavit of
Reasonable Investigation setting forth the specific inquiries made and the
results therefrom is attached hereto as exhibit "B".
WHEREFORE, Plaintiff respectfully requests this Honorable Court
enter an Order pursuant to Pennsylvania Rule of Civil Procedure 430 directing
service of the Complaint by certified mail and regular mail and by posting
of the premises.
\-:-jl/(l/t'(l;,~ f f j /;lr/}).j~ ?L--'
Francis S. Hal~inan, Esquire
ATTORNEY FOR PLAINTIFF
FEDERMAN AND PHELAN
BY: Francis S. Hallinan, Esq.
Atty. 1.0. #62695
Ste. 900/Two Penn Center Plaza
Philadelphia, PA 19102
(2151 563-7000
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
ATTORNEY FOR PLAINTIFF
COURT OF COMMON PLEAS
CIVIL DIVISION
vs.
CUMBERLAND COUNTY
COURT TERM
No. 94-469l CIVIL
SAUNDRA LOPEZ
Pennsylvania Rule of Civil Procedure 430(a) specifically provides:
(.) If .."ic. C.DJ10~ b. ..d. und.... ~h. .pplic.bl. rul., ~h. pl.in~iff aay IIOV.
~h. COurt fo... . .p.ci.l o...d.... di....c~ing ~h. ..~hod of .."ic.. ~h. Mo~ion .h.ll h.
.cco.p.ni.d by .n Affid.vi~ .~.~ing ~h. n.~u.... .nd .x~.n~ of ~h. inv..~ig.~ion which h.. b..n
aad. ~o d.~.....in. ~h. wh.....abou~. of ~h. D.f.nd.n~(.) .nd ~h. ......on. why ..rvic. c.DJ10~ b.
aad..
Ho~.' A Sh....iff'. ....~UJ.'D of .Ho~ Found. 0... ~h. f.c~ ~ha~ a D.f.ndan~ ha. IIOv.d
wi~hou~ l..ving . n.w forw....ding .dd...... i. in.uffici.n~ .vid.nc. of conc.al..n~. GoD..l..
v.. Poli., 238 P.. Sup..... 362, 357 A.2d 580 (1976). .No~ic. of in~.nd.d .dop~ion aail.d to
l..~ known .dd...... ....qui..... . good fai~h .ffort ~o di.cov.... th. co.......c~ add........ AdoD~ion
of W.lk...., 468 P.. 165, 360 A.2d 603 (1976).
AD Ulu.~...a~ion of good faith .ffo...~ to loca~. the d.f.Dd.D~ iDclud.. (1)
iDqui..... of po.~.l au~ho...i~i.. iDcluding iDqui...i.. pu....uaD~ to ~h. F.....do. of IDfo....a~ioD
Ac~, 39 c.F.a. Part 265, (2) iDqui...i.. of ....la~iv.. D.ighbo...., f...i.Dd. and ..ploy..... of ~h.
D.f.DdaD~ aDd (3) .x..iDa~ioD. of local t.l.phoD. di....c~o...i.., vo~.... ....gi.~...a~ioD ....cord.,
, local t.x ....co...d., .Dd IIO~O'" v.hicl. ....co...d..
As indicated by the attached Sheriff's Return of Service, marked
hereto as Exhibit "A", the Sheriff has been unable to serve the Complaint.
A good Faith effort to discover the whereabouts of the Defendant(s) has been
made as evidenced by the attached Affidavit of Reasonable Investigation,
marked Exhibit "B".
WBEREPORE, Plaintiff respectfully requests service of the Complaint
by certified mail and regular mail and by posting of the premises by the
Sheriff.
R;fpectfully
. ,) , :' 11, ,.., (
,----" , ,'/ ' ,
, Francis S. al inan, Esquire
Attorney for Plaintiff
SHERIFF'S RETURN
COMMONWEALTH OF PENNSYLVANIA In The Court of Common Pleas of
Cumberland County, Pennsylvania
COUNTY OF CUMBERLAND No. 94-4691 Civil Term
Complaint on a Promissory Note
Fairfield Affiliates c/o GE Capital
Assset Management Corporation
VS
Saundra Lopez
R. THOMAS KLINE, Sheriff, who being dUly sworn according to
law, says, that he made diligent search and inquiry for the within
named defendant to wit.
Saundra Lopez
"but was unable
to locate
her
in his bailiwick. He therefore returns the
Complaint on a Promissory Note
NOT FOUND, as to the within named
defendan t,
Saundra Lopez. Defendant moved and left no forwarding
I
.
address.
Sheriff's Costs.
Docketing 14.00
Service
Affidavit
Surcharge 2.00
16.00
KLINE, Sheriff
Sworn and subscribed to before me
this day of
19 A.D.
Prothonotary
EXHISIT "A"
,
\
AFFIDAVIT OF REASONABLE INVESTIGATION
Theodore A. Page took the following action in
connection with ascertaining the present whereabouts
and/or the last known address of the above captioned
defendants: SAUNDRA LOPEZ.
Inspected 145 N. EAST ST., PHILA., PA., on 09-24-94
and found: THE MORTGAGED PREMISES APPEARS UNOCCUPIED.
LEFT CARD TO CONTACT THIS INVEST1~ATO_~. NO CALLS RECEIVED
TO DATE.
Inspected the last known whereabouts on 9~-24-94 and
found: NQ FURTHER I.NFORMATION IS AVAILABLj:~
Made a Freedom of Information Act request of the Postal
Authorities and received a reply as follows:
Made inquiries of relatives, friends, neighbors and
employers as follows: THERE IS NO INFORMATION REGARDING
THE DEFENDANT'S RELATIVES. FRIENDS OR EMPLOYER. NEIGHBORS
STATE THAT THE MORTGAGED PREMISE~ IS EMPTY AND THAT THE
PEE~NQ~~~MOV~D QUT. NO FURTHER INFORMATION IS AVAILABLE.
Inspected voting records and found:
THE DEFENDANT IS NOT REGISTERED TO VOTE.
Inspected telephone records and found:
THERE IS NO TELEPHONE LISTING FOR THE DEFENDANT.
OTHER ACTION TAKEN: !'l9Nf".,
This Affidavit is made
C.S. Sec. 4904 relating
authorities.
subject to the penalties of 18 Pa.
to unsworn falsification to
Dated: _09-;11i-=~4_
.._A~L~Jt}/~
THEODORE A. PAGE
EXHIBIT "B"
.,
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COMMONWEALTH OF PENNSYLVANIA )
COUNTY OF PHILADELPHIA )
On this the 26TH day of SEPTEMBER, 1994, before me,
RONDA S. PAGE, the undersigned officer, personally
appeared THEODORE A. PAGE, known to me to be the person
whose name is subscribed to the within affidavit, and
acknowledged that he executed the same for the purposes
therein contained.
IN WITNESS WHEREOF, I HEREUNTO set my hand and
official seal.
'-'
r:or;'?I,\L SEAL
nC:-'QA 5 P'\c'jE. No'..,,., Public
C.rl d Ph.lacelp!1t.l. Phil.,. County
Mv Coml1\lo;<:l~n (IClrp.<\ .J:tn. to 1995 t 19
. )
(My Commission Expires
rE;.;'lHlljIT "Bu
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~EDERHAH AND PHELAN
LAW O~FICES
TWO PENN CENTER PLAZA
SUJ:TE 100
PHILADELPHIA, PA 11107-1711
(215) 563-7000
September 28, 1994
POSTMASTER
Carlisle, PA 17013
R.qu..t for Ch.nge of Addr... of Boxhold.r Infora.tion N..d.d for s.rvic. of Leg.l Proce..
Pl.... furni.h th. new .ddr... or th. n..e .nd .tr..t .ddr... for th. followingl
NAMlI S.udr. Lop..
ADDRESSI 145 North E..t Str..t
C.rli.l., PA 17013
NorBl Th. n... .nd l..t known .ddr... .r. r.quir.d for ch.ng. of .ddr... infora.tion. The n...,
if known, .nd po.t offic. box .ddr... .re r.quir.d for boxhold.r infora.tion.
Th. following infora.tion i. provid.d in .ccord.nce with 39 CFR 265.5(d)(6)(ii). Th.re i. no fe.
for providing boxholder infol"ll.tion. The fee for providing ch.nge of .ddre.. infora.tion i. w.iv.d
in .ccord.nce with 39 CRF 265.5(d)(1).nd (2) .nd corre.ponding Adainbtr.tive Support Manual
352.44. .nd b.
1. Capacity of Requester:
Attorney
2. statute or regulation that empowers me to serve: n/a
3.The names of all parties to the litigation: Saudra Lopez
4.The court in which the case has been or will be heard:
civil Divisionl Cumberland County
5.The docket or other identifying number: 94-4691
6. The capacity in which this individual is to be served: Defendant
WARNING
THE SUBMISSION OF FALSE INFORMATION TO OBTAIN AND USE CHANGE OF ADDRESS INFORMATION FOR BOXHOLDER
INFORMATION FOR ANY PURPOSE OTHER THAN THE SERVICE OF LEGAL PROCESS IN CONNECTION WITH ACTUAL OR
PROSPECTIVE LITIGATION COULD RESULT IN CRIMINAL PENALTIES INCLUDING A FINE OF UP TO $10,000 OR
IMPRISONMENT OR (2) TO AVOID PAYMENT OF THE FEE FOR CHANGE OF ADDRESS INFORMATION OF NOT MORE 'rIIAN
5 YEARS, OR BOTH (TITLE 18 USC SECTION 1001)
I certify that the above infol"llation i. true and that the addre.. infol"llation i. needed and will
be u.ed .olely for .ervice of legal proce.. in connection with actual or pro.pective litigation.
Lawrence T. Ph lan, Esquire
Attorney I.D. No. 32227
Two Penn Center Plaza, Ste 900
Philadelphia, PA 19102
----------------------------FOR POST OFFICE USE ONLY---------------------_____
-L )\(k~.~~~g~)I~~. ad~~~.~';;;i order on file. NEW ADDRESS (name & street add
Good As Address
not known at address given
no such address
moved, left no
forFrding
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I'ranoia S. Hallinan, Esquire, hereby states that he is the
Attorney for the plaintiff in this action, that he is authorized to take this
Affidavit, and that the statements made in the foregoing MOTION I'OR SERVICE
01' ~HE COMPLAINT PURSUANT TO SPECIAL ORDER 01' COURT are true and correct to
the best of his knowledge, information and belief.
The undersigned understands that this statement herein is made
subj ect to the penal ties of 18 Pa. C. S.
falsification to authorities.
Sec. 4904 relating to unsworn
November 28, 1994
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Francis S. H linan, Esquire
Attorney for plaintiff
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SHERIFF'S RETURN
COMMONWEALTH OF PENNSYLVANIA In The Court of Common Pleas of
Cumberland County, Pennsylvania
COUNTY OF CUMBERLAND No. 94-4691 Civil Term
Complaint on a Promissory Note
Fairfield Affiliates c/o GE Capital
Assset Management Corporation
VS
Saundra Lopez
R. THOMAS KLINE, Sheriff, who being duly sworn according to
law, says, that he made diligent search and inquiry for the within
named defendant to wit:
Saundra Lopez
but was unable
to locate
her
in his bailiwick. He therefore returns the
Complaint on a Promissory Note
NOT FOUND, as to the within named
defendant,
Saundra Lopez. Defendant moved and left no forwarding
address.
I
.
Sh~riff's Costs:
Docketing
Service
Affidavit
Surcharge
14.00
~wer~
OMAS KLINE, Sheriff
2.00
16.00
Sworn and 5ubscribed to before me
this
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19 tfy _ A.D.
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FEDERMAN AND PHELAN
By: Michele M. Bradford, Esquire
Attorney I.D. No.: 69849
Two Penn Center Plaza, suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
2000 West Loop south, suite 1300
Houston, TX 77027
.
.
.
.
COURT OF COMMON PLEAS
CIVIL DIVISION
:
:
Plaintiff,
.
.
.
.
.
.
CUMBERLAND COUNTY
.
.
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NO. 'f
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v.
.
.
.
.
SAUNDRA LOPEZ
l45 North East Street
carlisle, PA 17013
:
.
.
.
.
Defendant.
'....of
.
.
We tKlreby certify the
within to be a true and
correct copy of tho
original filed of record
FEDERMAN AND PHELAN
.
.
.
.
CJ:VJ:L ~CTJ:ON/COMPL~J:NT ON ~ PROMJ:SSORY NOTE
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by attorney and
filing in writing with the court your defenses or objections to
the claims set forth against you. You are warned that if you fail
to do so the case may proceed without you and a judgment may be
entered against you by the Court without further notice for any
money claimed in the complaint or for any other claim or relief
requested by the Plaintiff. You may lose money or property or
other rights important to you. '
YOU SHOULD TARE THJ:S PAPER TO YOUR LAWYER AT ONCE. J:F YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO ~o OR ~ELEPHONE ~HE OFFICE
SET FOR~H BELOW ~O FJ:ND OUT WHERE YOU CAN GET LEGAL HELP.
Lawyer RefereDce Service
Cumberland Bar AssociatioD
Court ~dministrator
TRUE COP\' FROM RECORl)nberland county Courthouse
InTeathllu'lYwIlerIof.'hentuntoaetmyhaM carlisle, PA 17013
and lhe seal of CarllsIe Pa (717) 240-6200
111 0. {" (I ( 19 ,;ft
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Avrso
Le han demandado a usted en la corte. Si usted quiere
defenderse de estas demandas expuestas en las paqinas siquientes,
demanda y la notificacion. Hace falta asentar una comparencia
escrita 0 en persona 0 con un abogado y entreqar a la corte en
forme escrita sus defensas 0 sus objeciones alas demanandas on
contra de su persona. Sea avisado que si usted no se dafienda, la
corte tomara medidas y puede continuer la domanda en contra suya
sin previo aviso 0 notificacion. Ademas, la corte puede decidir
a favor del demandanto y requiere que ustsd cumpla con todas las
provisiones de esta demanda. Usted puede perdar dinero 0 sus
propiedadas u 0 tros derachos importantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI NO TIENE ABOGADO
o SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAY A EN
PERSONA 0 LLAME POR TELEFONE A LA OFICINA CUYA DIRECCION CONSEGUIR
ASISTENCIA LEGAL.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17103
(717) 240-6200
.
.
FEDERMAN AND PHELAN
By: Michele M. Bradford, Esquire
Attorney I.D. No.: 69849
Two Penn Center Plaza, suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES clo GE CAPITAL
ASSET MANAGEMENT CORPORATION
2000 West Loop South, suite 1300
Houston, TX 77027
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COURT OF COMMON PLEAS
CIVIL DIVISION
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CUMBERLAND COUNTY
plaintiff,
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NO.
v.
SAUNDRA LOPEZ
145 North East Street
Carlisle, PA 17013
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Defendant.
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CJ:VIL ACTJ:ON/COMPLAINT ON A PROMISSORY NO~E
1. Plaintiff is Fairfield Affiliates, with its
principal place of business as appears in the caption.
2. Defendant(s) is Saundra Lopez, an adult individual
whose address is as appears in the caption.
3. On May 20, 1987, Defendant (s) executed and delivered
to Plaintiff an Adjustable Rate Note whereby Defendant(s) promised
to pay Plaintiff's precedessor in interest $51,300.00, plus
interest at the annual rate of 7.50% and upon the other terms set
forth in the Note. A true and correct copy of the Note is attached
hereto, made part hereof, and marked Exhibit "A".
..
4. As security for the Note, Defendant Saundra Lopez
made, executed, and delivered a Mortgage upon the premises located
"
.
at 1937 North Second Street, Harrisburg, Pennsylvania, l7102 and
145 North East street, Carlisle, Pennsylvania, l7013, which
Mortgage is recorded in the Office of the Recorder of Deeds of the
County of Cumberland, Commonwealth of Pennsylvania, in Mortgage
Book 865, at Page 192. A true and correct copy of the Mortgage is
attached hereto, made part hereof and marked Exhibit "B".
5. On May 20, 1987, Defendant(s) Saundra Lopez also
executed an Adjustable Rate Rider to amend and supplement the
Mortgage Agreement to further secure Defendant(s)' Note with
Plaintiff. A true and correct copy of the Adjustable Rate Rider
is attached hereto, made part hereof and marked Exhibit "C".
Sa. Said Note, Mortgage, and Rider were assigned to
Plaintiff by Assignment of Mortgage dated July ll, 1994. A true
and correct copy of the assignment is attached as Exhibit C1.
6. Defendant(s) have failed to make the payments
required under the Note.
7. Plaintiff has given Defendant(s) due notice of the
default as evidenced by its letters to Defendant(s). True and
correct copies of said letters are attached hereto, made part
hereof, and marked Exhibit "0".
8. Due notice of the default and demand for payment
having been made by Plaintiff, and Defendant(s)' failure to make
payments required under the Note, Plaintiff has now elected to have
Defendant(s) pay the Note in full.
.
(.
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9. The following amounts are due Fairfield Affiliates
under Defendant(s)' Note:
Principal Balance $50,017.77
Interest Due from 11/1/90 to 8131/94
(per diem $9.27) l5,359.22
Attorney's Fees 2,500.89
Late Charqes from 11/1/90 to 08/31/94
($23.32 per month 861.98
Cost of suit and Title Search 450.00
subtotal $69,189.86
Escrow
Credit 0.00
Deficit 2139.70
TOTAL $71,329.56
10. pursuant to the tel'l1lS of the aforesaid Mortgage, the
tel'l1lS of which the Note incorporates, plaintiff is entitled to
recover Attorney's fees, costs and other expenses which Plaintiff
has been and will be required to expend in the prosecution of this
suit.
11. The Attorney's fees set forth above constitute 5%
of the unpaid principal balance, which is a reasonable attorney's
fee, and is in confol'l1lity with the Mortqage documents, Note and
Pennsylvania Law.
l2. The original principal sum of the Note exceeds the
sum of $50,000.00 and is, therefore, not subject to the
requirements of Act 6 of 1974 of the Commonwealth of Pennsylvania.
13. The Temporary stay as provided by the Homeowner's
Emergency Mortgaqe Assistance Program, Act 91 of 1983, has
tel'l1linated because Defendant(s) have failed to meet with the
Plaintiff or an authorized credit counseling Aqency in accordance
!"._m,Ul!!,
.
with Plaintiff's written notice to Defendants, a true and correct
copy of which is attached hereto as Exhibit D.
WHEREFORE,
Plaintiff
demands
Judgment
aqainst
Defendant(s) on the Promissory Note in the sum of $71,329.!l6
together with interest from AUgust 3l, 1994 at the rate of $9.27
per diem and other costs and charges collectible under the Note.
FEDERMAN AND PHELAN
Date: ~ Ib/ }q94
By:
Michele M. Bradford Esquire
Attorney for Plaintiff
('
EXHIBIT A
:;x:<,
"'..:1
"
_ ._.~.,to!-.-.
ADJUSTABLE RATE NOTE
'-
THIS NOTE CONTAINS PROVISIONS ALLOWING FOR CHANGES IN
MY INTEREST RATE AND MY MONTHLY PAYMENT. IF MY INTEREST
RATE INCREASES. MY MONTHLY PAYMENTS WILL BE HIGHER. IF
MY INTEREST RATE DECREASES. MY MONTHLY PAYMENTS WILL
BE LOWER.
....................,..,118:/....20................... , 19 ..87...
,..J:\;u:;',j.,~,p,\lr,g,.,4i,.,r;:Arlis +e ,..........,..,..lW,l\IUY,l,v.a,l\,l.a..,............"......
(Cily) (SlalO)
............,........,..,~~.??..,~~:!:E.~.,,~.~~.~,~~....~,E.~~.!!,~,..!.#.~,!.;:*.~!',!!!!1:I....~,~......!L.~,~.~...!!.,..,.fi!!,~;r;,...~,~,!!!!,E!....f.~,!~.,t~~.'!.!.... Pa .
(PnJperty Add....)
1. BORROWER'S PROMISE TO PAY
In return Cor a loan that I have received, I promise to pay U.S. $ J..I.,,~9,Q...Q9...,........ (this amount is
II d" . . I") I . te t to th d Cth Le d Th Le d . First United FederaL A
ca e pnnclpa , p us In res, ear er 0 e n er. e n er IS .........,........,..........,..,......................, .....
........,..,\U,~J~J9,n...9.Lf.J,!:,~,~,..K.!!!:\!!,F.,~L.l?,f!!,....~H.~.!!,..9,Lf.J,!i,~.~,l1!,1.!':gl!,.......................,....,................................'..,............,
I understand that the Lendermay transCerthis Note. The Lender or anyone who takes this Note bytransier
and who is entitled to receive payments under this Note is called the "Note Holder".
2. INTEREST
Interest will be charged on unpaid principal until the full amountoCprincipal has been paid. I will paj'
interest at a yearly rate oC .....7,.5,0,.... 'to. The interest rate I will pay will change in accordance with Section 4
oC this Note, '
The interest rate required by this Section 2 and Section 4 oCthis Note i.: the rate I will pay both beCore
and after any deCault described in Section 7(B) oC this Note,
3. PAYMENTS
(A) Time and Place of Payments
I will pay principal and interest by making payments every month.
I will make my monthly payments on the first day of each month beginning on ......1.uly...l.,...!.9SZ...
....JllI:1e,......L..,...........,......., , 19 2Dl.Z . 'I will make these payments every month until I have paid all oC the
principal and interest and any other charges described below that I may owe under this Note. My monthly
payments will be applied to interest beCore principal.If, on ........~,!!t.!l...,l",....~IU.?..,.... , .....,................... ,Iatill owe
amounts under this Note, I will pay those amounts in full on that date, which is called the "maturity date."
I will make my monthly payments at .....225,..E,tanklic...StLe.u,...J.ob.nst.olJ:Tl....P.enlls,y.l'lan.ia.....J59
..........' ........,....,..................,..................,...............,.......,.............................................,.............,..,................,....,........... or at a different
place ifrequired by the Note Holder.
(B) Amount of My Initial Monthly Payments
Each oC:ny initial monthly payments will be in the amount of U.S. S ..3.sa..7.0,.................. This amount
may change,
(C) Monthly Payment Changes
Changes in my monthly payment will reflect changes in the interest rate that I must pay. The Note
Holder will determine my new interest rate and the changed amount of my monthly payment in
accordance with Section 4 ofthis Note.
4. INTEREST RATE AND MONTHLY PAYMENT CHANGES
(A) Change Dates
The interest rate I will pay may change on the first day of ,.....June..,.!....................,........ , 1985..,... ,and on
that day every.....,!.?.th month thereafter. Each date on which my interest rate could change is called a
"Change Date,"
MUlTI!!..TATE ADJUSTABLE RATE NOTE - SU'l;te Flmlly:
.
c CagY'Il~n1 R.y:Haulin Camg.ny. Inc. 19504
.
EXHIBIT "B" (Page 1 of 4)
(B) The Index
BeiPnnillg with.the first Change Date:my int/lrest rate,will be baaed on an Index, The "Indsx" is the:
, .
,Ch... ."" bo. I. indi../f Ind,.,}
[h(i),Weekly average yield on United States Treasury iecurities adjusted to a constant maturity of
. .....,..,......,........,......,.......,R!),...........,............... years, aa made available by the Federal Reserve Board,
O' (Ii) "Contract Interest Rate, Purchased of Previously Occupied Homes, National Average for all
Major Types of Lenders" published by the Federal Home Loan Bank Board,
O"(iii) ,...................................,....'......,....,......,.........,....,..,....'..'........,..,.....,........,..............,.............................,..,............................,
.......................................................................................................................................................................,.................................................
elf mar, ,11," GII' bol' i. tMdnl or 1/,.0 bel... I' ell,drd, ."d wnd".n.d 80'"'11I" do 110' GIM,,,,i.., 0"" in "'rlhlll. ,A, Ii'" InJu MIft,d wIU.pply.
The most recent Index figure available as oC the date 45 days beCore each Change Date is called the
"Current Index,"
If the Index is no longer available, the Note Holder will choose a new index which is based upon
comparable inCormation. The Note Holder will give me notice of this choice,
(C) Calculation of Changes
Before each Change Date, the Note Holder will calculate my new interest rate by adding ....'.......,.......
............U,t..,............,..,...., percentage points ( ,..h~.L..... %) to the Current Index.
(Ch,elc on# box to indica" wh,rh,,. tla, "'W intl".c raf, U,.il/ or will nof b, rounded,o th, ",artst "' of Hi (O.12.sn.J.J
o (I) The sum, subject to the provisions set forth in section (C) (Iii), (C) (Iv), (C) (v), and (C) (vi) will be
my new interest rate until the next change date.
am) The Note Holder will then round the result of this addition to the nearest one-eighth of one
percentage point (0.125%). This rounded amount, subject to the provisions set forth in section (C) (Iii), (C)
(iv), (C) (v), and (C) (vi) "'iIl be my new interest rate until the next change date,
tCh,," appropri12U bozu to indic:atr U:hlthtr thrrt aTt an)' mazimum limitl on chanlu in ~hr ;nttrut Tatt on lad, C,icnil
Datt: il no boz is chtcJttd thtrr t::iII bt no mazunum limit on chan"..}
o mi) There are no maximum limits on any changes in the interest rate at any Change Date.
Cblv)The interest rate cannot be changed by more than ......,...!.....?,R..,..............,.., percentage points atany
Change Date.
~) The interest rate cannot increase to more than .........1.3,..5,0,..........,..,.... percentage points at any time
during the loan term.
uWilThe interest rate cannot decrease to less than ,..........,~,:..~,R..............,....percentage points at any time
during the loan term.
The Note holder will then determine the amount of the monthly payment that would be sufficient to
repa~' the principal I am expected to owe at the Change Date in full on the maturity date at m~' new interest
rate in substantially equal payments, The result of this calculation will be the new amoulll9fmy monthly
payment,
(D) Effective Date of Changes
My new interest rate will become effective on each Change Date. I will pay the amount of my new
monthl~' payment beginning on the first monthly payment date after the Change Date until the amount of
my monthl)' payment changes again.
(E) Notice of Changes
The Note Holder "ill deliver or mail tome a notice of any changes in my interest rate and the amount
of my monthl~' payment beCore the effective date oC any change, The notice will include inCormation
required by law to be given me and also the title and telephone number of a person who will answer any
question I may have regarding the notice.
5. BORROWER'S RIGHTTO PREPAY
I have the right to make payments of principal at any time before the~' are due. A pa~'ment oCprincipal
only is known as a "prepayment." ....'hen I make a prepayment, I will tell the Note Holder in writing that I
am doing so.
I may make a full prepayment or partial prepa)'ments without paying any prepayment charge. The
Note Holder will ~se all ormy prepa)'ments to reduce theamountoCprincipal that [owe under this Note, If[
make a partial prepayment, there will be no changes in the due dates of my monthly pa)'ments unless the
Note Holder agrees in writing to those changes, My partial prepaYment will reduce the amount oC my
monthly payments after the first Change Date follo....ing my partial prepayment. However, any reduction
due to my partial prepayment may be offset by an interest rate increase.
EXHIBIT "B" (Page 2 of 4)
.
6. LOAN CHARGES
, If a law, which applies to this loan and which sets mllXimt;m loan charges, is finally intsrpreted so
that the interest or other loan charges collected or tobe collected in connection with this loan exceed the
pennitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the pennitted limit; and (ii) any sums already collected from me which exceeded pennitted limits
will be refunded to me. The Note Holder may choose to make this refund by reducing the principal Iowe
under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be
treated as a partial prepayment,
7. BORROWER'S.FAILURE TO PAY AS REQUIRED
(A) Late Charge for Overdue Payments ,
If the Note Holder has not received the full amountofany monthly payment by the end of ,..........I..~..........,
calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge
will be .....~,:,9.Q...., % of my overdue payment of principal and interest. I will pay this late charge promptly
but only once on each late payment.
(B) Default
If I do not pay the full amount of each monthly payment on the date it is due, I will be in default.
(e) Notice of Default
If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the
overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of
principal which has not been paid and all the interest that I owe on that amount. Thatdatemust be at least
30 days after the date on which the notice is delivered or mailed to me.
' (D) No Waiver by Note Holder
Even if, at a time when I am in default, the Note Holder does not require me to pay immediately in full
as described above, the Note Holder will still have the right to do so if I am in default at a later time,
(E) Payment of Note Holder's Costs and Expenses
If the Note Holder has required me to pay immediately in full as described above, the Note Holder will
have the right to be paid back by me for all its costs and expenses to the extent not prohibited by applicable
law, Those expenses'include, for example, reasonable attorneys' fees,
8. GIVING OF NOTICES
Unless applicable law requires a different method, any notice that must be given to me under this
Note wilI be given by delivering itor by mailing it by first class mail to me at the Property Address above or
at a different address if I give the Note Holder a notice of my different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing it by first
class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am
given a notice of that different address,
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE
Ifmore than one person signs this Note, each person is fully and personally obligated to keepall of the
promises made in this Note, including the promise to pay the full amount owed. Any person who is a
guarantor, surety Or endorser of this Note is also obligated to do these things. Any person who takes over
these obligations, including the obligations ofa guarantor, surety or endorser of this Note, is also obligated
to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note
against each person individually or against all of us together, This means that anyone of us may be
required to pay all of the amounts owed under this Note.
10. WAIVERS
I and any other person who has obligations under this Note waive the rights of presentment and
notice of dishonor. "Presentment" means the right to require the Note Holder to demand payment of
amounts due. "Notice of dishonor" means the right to require the Note Holder to give, notice to other
persons that amounts due have not been paid,
11. UNIFORM SECURED NOTE
This Note is a uniform instrument with limited variations in some iurisdictions, In addition to the
protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the
"Security Instrument"), dated the same date 'as this Note, protects the Note Holder from possible losses
which might result if I do not keep the promises which I make in this Note. That Security In!trument
describes how and under what conditions I.J!lay be required to make immediate payment in-full of all
amounts I owe under thi!! Note. SOlDe of those conditions are described as follows: .
EXHIBIT "B" (Page 3 of 4)
WITNESS THE HAND(S)
-qf~--- .-
Wit",n
.-.-.-.-...-..-....._..__.i.-W-_.. "..I)
SAUNDRA S. LOPEZ Borrow"
Tun.fer of the Property or a Beneficial Interest in BOl'Tower. If allor, any part of the
Property qr any interest in it is sold or'transferTed (or if a beneficial interest in Borrower,i. .old or
'. . transferred and Borrower is not s nstural peison) without Lender's prior written conaellt, Lenier
maY"a~ ita option, require immediate payment in full of all sums secured by this Security In.trument.
However, this option .hall not be exercised by Lenderifexercise is prohibited by federallaw 81 oCthe
date of this Security Instrument. Lender aleo shall not exercise this option if: (a) Borrowercau.ea to be
lubmitted to lender information required by Lender to evaluate the intended transferee 81 if a new
loan were being made to the transferee; (b) Lender reasonably determines that Lender's security will
not bs impaired by the loan assumption and that the risk of a breach of any covenantor agreement in
this Security Instrument is acceptable to Lender.
To the extent permitted by applicable law, Lender may charge a reasonable Cee 81 a condition to
Lender'. consent to the loan al8umption. Lender may also require the transferee to ailP1 an
8IsumpUon agreement that is acceptable to Lender and that obligates the transferee to keep all
promises and agreementa madein the Note and in this Security Instrument. Borrowerwill continue to
be obligated under the Note and this Security Instrument unless Lenderreleaaes Borrower in writing.
If Lender exercises the option to require immediate payment in Cull, Lender shall give Borrower
notice of acceleration. The notice shall provide a period of not less than 30 days from the date the
notice is delivered or mailed within which Borrower must pay all sums secured by this Security
Instrument. If Borrower fails to pay these sums prior to the expiration oC this period, Lender may
invoke any remedies permitted by this Security Instrument without further notice or demand on
Borrower.
Wit"'1J
,...........................,.....................................................,....... (Seal)
&rrowtr
.......................................................................................................
WitnlSJ
...............................,...,..........,..........................:................ (Seal)
Borrowtr
(Si.n Ori.inol Only)
.......................................................................................................
~
.
.
EXHIBIT "B" '(Page ,4 of 4)
.
, ..
~
EXHIBIT B
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"'1 o. .." ........
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El 'al my 11 tr. In 1/
. I
it 1
MORTOAOE
THIS MORTOAOI I"s...ri., I...""","" b I"'"" -,-.llIJt....JR,Ch_,_......_,_____._._.._
It.....2..11lfmOrt..,atll....~IIn4.c....s...LoIlAI.__...._._____...___..._.._...._.........._......_..
.-..-............--...-.....-..-..........- r'80lrDWU"). Tf'll. Seellnl, 'nllr\lmcnlII II\ofn IO..lh&t..1hl1e.d..I.d,nl
-'\"lILVJ.aLQp"'6"fL':'I"'4trAl, .lU"~":A.,AI..r.L'UblUl..._,__,_ -blJb 10 or".I". ..d ..1.11.,
1t\d"lh.,.",. at ...lou.....lJ U .... .~I.u~.I.9. ,f...~~~.r.u.f.,,_..... ,n4 "'frio.. .cf4,..I. "-'U:'...F.rl.ahlln...ll fAil..
--,;"MU,ll.l!n ".r..^-.nlr,l~,.,a ...., ,',!Q.I.,,-.-..-.,.,_,._,._______......_.._...._.... ("L,"d.r").
Iorr..uawn wn"crlh. prtftClp.llllm or .lJ. f.CJ:::.O'1.".1'lIg....tln.\1..Jb.u...Hl.lndr,ld....ftd...QO,.!OQ~t.:'.~ft::.'l\::::....
....mr:.:::::.:::":'.1,:':~~':':~::'....~::'.~1::!.':'.~~.'l'~::i)OIlIrl (u.s. s.U,,3aa.oo......._00). nl.d,lll. ,vldll"rd by Dorrow.r"1 nutf
dalld IIl.tlm. dill Itllltl S.euti,) 'n'lrum,nl ("NOI"'. "-Ille" plovldu ror mOIlI"I) p')mmll. _lIh Ih, run ddll. IrllOI
paid ,.,11.,. du, "lid 1'J}'llll, 011 ......_-.run...J....IClJ 1................._.........._........_.._....._... Ttlll "',,"utilr I'hllumlfll
lIeU,.. 10 Ltnll,n CiI) Ihe "lIl)m,nl 0' Ih. Q'dlllVldllnud 111111, Nolt. .11" Inlet,.l. "'d .11 "II,wall. 'lIIlelllillt" ~II"
modlntaUon.; (b) 1ft, p.,m.nl 0"11 OIlier 'uma, .iU! 'tU"Ul. Idnnefd IIn".r rlll.llrh '10 C'01"llh. 'lIC'''IiI, orlhll
StC'uril)' 'nlltum'"I; IlId (C') Ih. l'C,rann.lIC1orDor,owu', ,0",n.1l111 ~nd oJ.,umcnIIUlld".h . SUIHiI) Inllrumelll and
Ih, NOI& For Ihll pUtpol" Borrower don herell, mOUII."ltlnl and COllvc, 10 L,nd,r Ih, r~llo..lnlllnC'Ilbtd P'Ol'lllll
Iocllrd III ......................-...-..._.D&1OpI1Ln..._._.._...._................_............._...._..................... Counll. 'ellnll'..nltl
ALL ChIC c.ruln 10C or plWh ot !en4 ltC'u.e. .In t.h. 11th lI.r4 at th.. Cle, or
H.rrl""r.. D'uphIn County, 'tnnl,ly.nl.. .or, p.rttcul.rl, ~oun4.d Ind d..crtbw4
II fOllov.. Co vIel
aZGINNING .e I paine oft th. I..err" I1n, of S.cond Scr.le. Cv.ntf (20) f.we Soueh
01 ehw Souehtr" 1,,,t ot ..ffwr Scr..t 'C 11n. of l.nd aJ~ or lac. ot L.". UIAb,~,h,
th.nc. l'le~ardly .10n, I.td Va~b.u,h land Chrou.h lh. c.nt.r of I '.reItloR VIII
IRd b.fond .I.htf-.l,hl (I') f..e to 1.nd. BOW or 1.t. at AlYln I. lelckll eh.ncw
louehv.rdly 11011' IIId Stlckl 1.Rd tWlney"cvO (22) tr.t. .or. or 1.11. Co I paIne I
Chvnc. V.'Cvardlr p,rll1.1 Vieh ,.tf,r ser'we Ind .1011' the Horch.rD vnd of ,
Chr.. (3) foot Wid, prly.e. 111.y ehrl. (3) f..t to . poat Ie I1nr of Ilnd nov
or lie. of Ch.rl,. S. SourbI.rl ehlnel .10n, Illd Sourblur Ilnd .1.fttr-ttvI CIS)
l.tt Co S.cond ser,w'l ehtnet Kort.hvlrdly lion, Sreond ser..t. Cv.nt7-c~o (22) f..,
fo th. plle. at IECtNNIHa.
YAVIHO Chwrwo" .rlct.d I brLek dWII1L". hou., known Ind nU.b.r.d II Ho, 1.37
lorth Second Str..t_ HltlJ.burg, 1'1.
,
AbD Jnt:Jud,d In ChJ, .ortf'V'. J. dvdJUI, bou.n .tao..a MIl 4U&bv.., ..
lta. 14J 11. Zout IrrHr. CArlbl.. ,~. (8~. Da:cazl'rrar OJ .crr 'AC~I
.hldl hu 'h, tddr", of ........J,\J3.7...Jfon"...tt<CInd..IcNtC,.."lrr.J..tMir....And..l.U.M...~.e....t.z'Ht.~'rJJd'
II""" 'Co"1
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rO,.,olllll, I.rur", 10 Illlh.. S<<unl, '"tl",m'"1 nUll "P,OP'"'," :
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mon",.. .nnl 1f14 co"", Ih, P,open, Ind Ihallhe r,OINn, f. ulI,nC'umbt'C'd. "np' '01 ,ncumb',nen ofttccI4,
lo,ra""C'r WIII""1 and '*'11 d,r,n4 .'lllllll'lh, 1111. 10 Ihe Praptnl ...inll In clllm. IlId d,mJnd.. IlIbJeC'1 '0 lal
CftCVmll"nC'u or I.co,d.
r. THtl SIC1.:lITY r"U'.U~I:NT C'ombill.. lIafro"" COUrtlall re, IIllfonll w" In4 noa'"nirol''' eO""IIIU ..,ilh
umllrd nrfIUCII. b, J\lrftdiclicalo C'oatlllllle a UalrOhT! kC".Iril, itUltvmllll co.,,,I,,. rtd Propertl.
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1. r""11t 'I' Tu" III' IIINflllct. S"IIjlCllO .,pllcaltl,"" Of III' .nu,,, "'I"'~, L,"d". Onr"." M'II pi'
I. LftI'1t 0" 111I d., ...OIIlfiII, ")'''''''11 art 4"1 wilder 1111 NOli. ""llllhe NOli" r.I' 'ft ',,11.. t""" C"'"'Uh''' '....1'.
.....''''Inh 0" I.' ,tarl, I"" ,"d .lImm,"I. .hl'h "", '11'1" ,norll, Q'" Ih" lcellnl, Inllnllll',,1o I') "ltl,
IMlCholt '.'....11" or "&,,"11I """ tit 'II. 'tapt",. If ,",; (., ,tad, 11''''4 III'Utlll" """'1""'1: Md '.. ,nrl,
"'0""" 11I'.."nu I'ttft'lI""'L 1"11' TfiI...Il...... '''1.111." """,_Il,m," L,..." M., "11"'",,", '''',,'I''''.Olllh.
It..n 01 tu""" 101.1. '"' "aIOIIIIII. nll""I" "'"11.,, ",'0" II''''''
TlI. '..nlh IfiloIlI lit II.klllI '" t"IIIIUllolIl'" ',po'u. 0' l"n"AI. of.hleA,,. 11l',,'1d 0' ''''''I''''d'', I ,.0'.,.1.,
It'lt '1'"', th'~I"duII Lell,,, I' L,"",,, ,,,.It 'n IIl1liIUII.n" uM,r .h.U .",,1, Ihl 'Und' III 1'1" ,", Ittrow II,,",,
L.1ld" m., 1101 rhar" fll' 1I0141t1..nd .""I,illllll. '1II1eh. '"""'111111, ,eeo,,"1 or ""',In,th, "'mw It,,,,.. 1I111t1.
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~" ....., 'I'N III .11I111' Iltll ine""1 ,It,ll h. ",Id Mlh. P""",, Ullle" '" "",mtnl i, IIl,J, It' .1"1'".....1. L..
rtq"lr" IlIlr,,\& h. hw rolld. L.lldd ,h,1I1101 k r.q,,\rNlct ~1 Dn,nl.r, 1111' Itll",,1 0' Urlli"" "" lit. Flllld,- L.ft"~,
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..."." '0' ""~h lI.h d,blllQ tI" FIIII'I... m.d.. n. '"nd."t ,,1"''''I'd'' .dllhlOtlaJ '"w,il, t", lit, 1'1111, 'lfurnl II,
Iltl,S'CII,II"".ltll""III.
If I'" .mOllnl 0' Ih. '....d. ...,, b, L'"d.,. 10111 h., _llh III. tlllwII ,"OllIM, ,.,m"", 0' """III "".fI', 11,101 I.
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'I Do,,...,', "flllnll. ,ltll" ,romllll, 'rp,ld III lor,,,.., ., "tdll." 10 no,,..,, ,n mOtllhl, ,..,"'tnl\ rtfl'IIIl"'. ifill,
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'11I0\1111 lite""', 10 ",.....1'1 Ill, II,lIcl'"" ill 1'111' or "'01' ''''''''"It II ,tqllirt1t 11, L,IIc1".
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Ill, 'IIn" II.tl.l II, L.....4tt, "","d~, rU'I"rh "I". "OP"I, It tnl, M UQuirrd tI~. L.III'''. Lrnd., ,110111 oIrrl,. lilt I""t
IfiI.II Im""III..ctl, 1"'" en III, '..I,,,, 11'1. ",nrftl, a, ilt UII""1I11'l1l It, Lrrltl". .". 'ulliS' hrld.., L,lId.., ~II"-. '11'",,,,
'rrlit'oIllI"'II'" ,"nhl 'J.II"'llh",,,",, "",u'nl ttr Ifill. ~..tlI, ''''IIII...en'
J. ""II,.n.." It' 11"''''tf'I.. I'nl..,,,, l'''''''II''I..l.lwl'''''h1r", ,.'11",.,\4'. oIl1l1..I~lIh'llh rHn'I" h, I "'MIo, 1I11t1"
rUoIF'Jrh. I ;.1Ilt!: "1,,11 ""'''1'1'111'\1 h,.I.lttlollllll ~hl"" tlue ~1I11.., Iftllll NI"~: tn"lttltI.11I rtrrlt' "t,'1\I ,'It.."... 1..111" \Ill"", lh,
Suit. Ifill"" In ,llll"\lII" 1',..,,111.. \1111.1", r"1,u,." 1; fl,"teh.ln 1111"1"11 dill: ~"", 1.'1.1.. r'IIt"I'.I1 IIuI
.. (...,.,,; f,I,...,. ""'h._.., "1;111 1'1' ..ill",,,, 01........"'..'11. ,-'u,~" 1111" "1.11"'",'''lh'''. IIU.tom.....' I.' ''',
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""",,,,,t ,..,lira, "'\"I"'U,........ ill IlIe Ift"""et rrn"drlllll rJ'lIcr:trh 1. (IF ""I'f 1'...1.1 III 111.1111'011111",. R.''',''''rt "holll
1'01' IIIem an ""UI tJlhtll, It! 1ft, r'''fllI n....d rll'''',"1 nllfrnw't 'hall ,'MI,tl. rll'lll",ft II' L,n'tr 011111"1"" II' oImltun"
I. tit ""ltlIlIIlJlI' Ihi, r'lJcn,lt. I' hur"'..." 1I1/lltro Ih,.. N',"CIIII dor'tll,. Oar"'...,, ,holll rromrll~ 'Utili'" ItI L,"drr
m~llll' "ilh:ll~lhllhli 'J~"'lilll"
D""O'4I'" ,,,,I1,1fO"'rll, di'Ch"I' '"' Ii." ..Mdl hat p,iorn, OVIt 1'11I S,nfU)' 'n"pu"""I"nl,U 8nt,._.,; (')
.,ftU ill ..tllilt.,n I", "~""1l1 0'1'" OIlI,,"iOllllcurrd II, Ih. h," III' mlllll" Itcrrllllll.lo L,lIdtt; (It)COIII"11 111'*
1'1.1" Ih.II", Ity. 0' tl,r,"", ~III"II .ntarum'"1 Or,ll.Ii,1I III. 1".1 "'nccedl",, ..hi~II 1111". L,",,,', 0"'"11'111 "rural. 10
""v,"IIt1, ellf""':I"'"1 utlht hen n, r.ltf':II..,,, fir ~n, I"afl n""" ''''r,n,: or tt) ,""". 'Mil' lilt ft,..llhr fI'lh,IIC" 01"
tl'"II'I'''1 ~Ij,f,,""r, III L",,"II,' '1i"""'"I1I1',lh.II," 10 1111' Seeunl, Inur.."".., l'Ltlld"cI"~tmilln ,h.1 .II"" I"tl of
Ih. Prllp.tI, i, 'lIhjn:1 IQ a li," ..tll'" "'.11, ,IUIII "".,11, uvet "II, IIC~tll' In\"uII'I'nl, L.lldct I'll" ,i~, 011'''.'' .
..tllI id.IIU'tlllllll,II'rI, Dotta..,t Ih.llll ,"nr, I", 11," a' I... all' or m"" otlfile a"IIQII' III 'oFlII ..bo.. _nhlll 10 -a.,_
ofll",I"j""lnnI1ct.
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IIIIU'1' ',lill'IIOilllr n".II,nrdllllcllldld *lIhill III, Itrm "t.I'lIdtdCO"'tJIC" .lId '1'1, OIl-tth'Utd,rrtt ..hlch Leftdtt
tt11ul,n 1"'ut~IlC' Thll IIIIlHlllct Ih'lI be ",alll"llIl. in Ihc a"'O"1'I1I alld far IftC rttineh Ihal L'""er requIP,.. Th,
""II':I"tl nUler "tlt\ldl"'lh. ,n'utJIICllh,lIb, chou" b, On"a.., l\lb~'CIIO L'"d.,'1 'rl"r.,,,,1 ..hl~h ,holll nOl be
U""uollahl,wllltll.hl,
All Intur.ntl relicl" ,"d "flt..I, .h.1I be aeupl'"' In t.t"dcr ."d 111.11 includ. I .I,"'ard "'o""'t e11"'t.
L.nd" ,fiIall h:!." Ih. 'ill" to Pluld Ih, prollCl" .IId ""lw.II.1t L.n,., rcqul,,'. In'tl'/wtr 'hall p,nmt'll, Ii", 10 L'"d"
In tttrirl,n'rald I'''""lim, a..d ""fW" IIolien.ln Ih. ne"1 orlolt. Ooun...." Ihall ,i.. I"OmplllflllC'.IQ Ihl.II\1ItIIlCl
"'"er ,nd Ltll"c,. Lt"~,, m., ....ak.,1tonf"t1O\\ IfnOf "IJd~flrOtllrIIJ bJ' Ollrtowct
Unll:'\ L'"Il.:' alld Ra""",,, Olhrrw"C31".ln ",illlll. illlllf:lll'" rtntt\',h ,,,,,11 b, Irpllc4 II' '"IOntllnllflt r.pol"
oIlh, PI'fI~", IIam.,aJ. ",,,, r"I"""011 ", ffr:!.lr /I C'CMctm1call, '"Ilfll, '"d lAndu', 'fe"nl, I' "lIllct,~td. "ltIt
,..,IU'.11III111 "' ""'p..,t.. IWII fl:rllNtllull, ro,ihl. nt L.lltJ,,., "ami, .1I111-a ", "',,"nJ. lhe I","r.."c~ I'''-,:'''..,h ,haIl1l.
I"r"nllo IIIe "''''' 'etuff" II, Ihi. SItUtll, InuMlm.",. .helh.t 0' 1I01lh,II du.. ...lIh ,")' tlCttl I'l'd 10 Pu,ra.c,. I'
1""0..' Itl.lndll"llh. '"'1'111', at den 1101.",...., ...111'11" JO ")" , IInll~e 'rolft Lllld:, Itlallh.l,,'''''"'' ."tlft hat
."'"nI,o ..ull "loIi",. Ih~" L,"C., ...." c"II'~1 1ft. 111""'"1' rtl'lUtdl. L,ntJcr m.r IU~ Ihe ,,'MUd, 10 "r,ltn,rc.I",.
Ih, PtO",'I, or ICl 1".1)' 'UIII\ "eIIP.d II, 1111' I",Wtll, '''''",mtlll. .""h" Ilr "," Ih.n dY.. Th. 10-lla, ~rtl'd .111 b';ill
-ft'lIlh'''OliCtI''I~'''.
Ulllru L'"''''nd OI'l"O""olh"..I" Ilu,in ..ruI"I.allr 'prl/e"I"" o'r"".fth In ",.IICl,l.1 .hallll" Ultftd 0'
po""'III'lh.du~II.1t 1'1'111. mOlllhl, N,,,t'lIl1 "rerr.d 10 ill '''"'flllhl I.nd : 0' ch'"I' II.. a","utll "'Ih, f',It...."u, It
Ul'lcltt paroll""III' IA. PmrrFlt I, IC'4u;rt4 b)' Ltlld". Bntrl'l."" rllhllO .n, 1I1'"r:lllrr tlftlitlll '"d "rC'C<<d' t""hilll
rmmdall1",'II'IIIIIII"I'Il'f'" r,lnrlo 1116 .IeQ\lI\lllnll ,ftall r"IIO l.endtt In 1II""enf nllllt.um'''tllt.", ttr Ihi. I<<unl,
r....t11111ft11 h"",nll:l'.I, prir" lit 1"-, "~q\lltillM.
.. """.,lI_lI.d M'lallllallllll rre,"I'1 LClllhold.. nOrtOw" Ih411 nnl cfnun,. dlma~tor IUb.lal\llolll,
,hlnl' Ih, Pm~,.,. 011111" III. prnrm, 10 '''trloracl 1'1' ,ornmll .lIlt. 1'lfillI ScCU'tl,lllurum'fll II 011 11....hal',
IatrOw" .h,,1I r""'rl, .jlltlll, ,.'O"ltIOlll 0IIb.ln1t, Indi(Ba"o_" acqul,,, t., htf.IO Ih.I'''r.n,.lh.ln''Cltold IlId
'n 1111. .hal1 lint "'"t:1I' "fill,., L,"d" 'Ir",In III. "'''1'' In "'UI"I.
1. I'tolltllo.., or 1.,"drr'l RlaM' I. I'" Propltl)'; ~I"I"" fl\l"tllIlI. It BOt"...., rll,l. 10 ,..,rrorm "II
COV'n,lI11 a"d "1'ft"'~nllct'''"I11'I.I "llhi, Ittllfh)' 11\I11'\Imlll'. 1" 11I1,.i. _If,'1 r'l'lC"dllllltl~1 ml' ",nlft~oIl1ll, .lI'tel
WII'''', rilhlllll Ih, "orlrt)' hlleh II , ,..,ou.dllllIII IllllkrllP'", ,fllbll.. tll' cOlld.ml_II,," ar 10 .II'I'IIC. I.... or
"lul."nll".lh., Lllldttm" 401114 ".)'Iar _fill"" illlcun.t)' ItlllrOllt' Ift'''oIhIlO'lh, P"'pcn, '''d L,"c1,,'lril"l.
11I1"e r,nrtn, L,n.Jcr', trllC'lI' m., i"tludl ra,I"I.n, ,,,tII. lCellrld ~J . lI~n _hlth hit IItlOrU, 0." IIl1t I<<unl'
rftJln""fIll,.,,.,,rilll III <<l\I".I'~,IIII 'u'oll.hl, 1110"",,, ru. 'lId ellltrill' olllh. 'Fllretl)' 1ft m:!." "rlir" Allhoulh
LcrIdtt ma, laLe arliulI""drr Ihi, rattlur" '. LCltd., "0.. nUl h"" 10 do In.
All, ,,,,,,,n"di.blirWd II, L'ltd., ,,"d.tlhll pltl,Ullh' Ih.1I bream. addlllonal d,bl 01 Do,ro_" '"""d!l, lhl,
Seeu,I,) tn.lna,"...I. Ullln, B,,,,..,, .n. L,"dtt 'Iflt 1001Pl" Ittm. 3',,)'m'"I, Ihtl. ''''0\1'''' I..~II be" IlIltt"l f"""
Ih, dal' nt 41Ibu'"",.nl II III, NOli "" '"d 'fiI.l! be r'llbl,. _Uh hlltr,'I. U""" ..n'ICC ftOrn L.MIt 10 Battnlltr
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Eklno.'" _h.1I I'll, Ih, I"llIlhlml 'tqulnd 10 mainlll" I". In'1I1,net ,,, .11'''1:1 1111111 ""Il 11m, II Ih, ,.qui"ln,nl (., Ih,
1"'II'an," W"""oIhl" "' .rrotdilllu .11" at""."" and Lend,,.. _ml'" "ruln'ftl OI'r,lIc.bl.I,..
10 "',uII"... L,"urr or lit '1'111 m., ",.k. ""oll,bl, ,nl"n llputt ,nd ""rectlo", ."h, Pmrcfl', ult4u
,h,II,I" ",I"...., Illlli" 1111'1. 11m. urnl jllio, '0 ,"1111""11011 .pre.,.,I", 'U'o,,~'I. '1....1\1, IhlllUl'fCtlun,
t. Cu,ullftu.."., 111. IUllCCllh ot II", ._.,d at cllim ro, d,,,,,.,,, dl'n:1 0' .onte..u,,,,,..I,l. ',"'''\ffllo".lth
,,,, "'mlllm"llllIlI ar I'IIh" lalllll, .1/ 1111 p.'1 of II.. P'D,..n,. 0' rOl .Oft",,"C. III II... .r cond.m,..lIoll. "' ""'iii,
....IIl.II.n~ .h.1I e.p.lll 10 Le"...,.
." Ih, n"ll1ltt r& hM"II.llIn, ntlh. 'rUr.,I,. Ih, prOl:Mh 11'1.11 brI'rrllfd 10 Ih. """' 'fCllrrcllli, Ihl. '<<1Ir111
''''''U''''"I. .twlllllr nr "Ullh," "ue. wilh "I, lacnl palll to 1I0rro*". I" Ih. '.'111 or. "",11,,11.11111, nt 111I P,npefl"
."1,,, nurm..,.1W 1.'''iJ" 111",.,.1.. '1'" I" Wl1lhl', Ih. "''''' Mtv,cd.., ,I'll, Sftllril' In,lnll"I"1 .".11 '" "dvctd_,
IIII.mo,,"1 lit Ih. pru.:e"" mllllll'lItd II, 11'1. (YlIOWI", rnclio". (.) 11'1. 101.1 .mo,ulI ot 11'1'111"'1 HCllrnll",mtdlllfl,
ktutf Ifl.I.U""IU_Idnl", (II) Ih. (.1, m.r." _,'u. 0 Ih. 'ropnl, Imm.C1II1tI.lIc(on ItI. tllIllI" An, balIIlC. 11'1.11 be
p.ldlollnrm..,r.
It 11'1. Iltct~I1' I, oI..."dulI.eI fl, an"uwcr. Dr 1(. .n.r I\OlIc. b, Lend., to Borrow" 11'1.111'1. CII"d.m""r nft"lIn 10
Ill'" In ,W'N ,,, ..llle r& ,I:aim tur dl""'II, """o*~, ('11"0 "'rend 10 1.",,11., wllhln JO dl" .n., Ihll d.al' Ih, ""Iletll
11"",1..ndd jl IVlhuli"" Inl1uU~t I""'tlllly 11'1, rrocccl1l,'1 hi 01"11011, .ilherlo ruID"llo" at rcrli, otlh. 'toren, or
1'11'1. "1""~lIhltJ II, Ihi. S''C,uU, IlIluum'"I, _hllh., orllollhclI du.. ,
UIII~, lllllll~', 01111 U,'ffUWI' IIlhl"'l", :I1'eI III ..nlllll. '11, arrl1nlloll o('If""tXd, 10 r,I"dplIl dl"n 11111 nlfnd or
t'"lIpn"lI 1111 IIwc ";all/ ntlhl1 mUlllhl, ra,,"(III' 'IIr,tt,d 10111 ~'ll.r:apll' lalld 1 0111111"" Ih. a"'nu1l1 Or'UI" r'd,m.lIl..
10. 11,.ttll." Sui R,ltlnedl rorll..""" U, I""d,, !'llll a W,I",. r.lhl.llklll nt II.. Ih"" rUI ra,,,,,,,,1 nr
",.lIlln"IIIItI..( ~nlU"U"lI11llllr Ib~ '\1m, \I,,'fllfell b, Ihll 5llcuril, In"'lIm,,"1 'f1Il1led b, untJer IU ~n, 'I".",~''O' in
l"I'r~IUr JlllffU"'t' .h.all nlJlllrcnlt 10 ,,1~D,.lh.liabllil' orlhe o,lli",1 Oll,rawrr 0' Dofrow,,., '1""1'0" In hUtrnl,
t..:lldrr '"1111 nlll he reqlllt,d hi tOm"'ellCl f1'OCccllllll' ;alillllll ''', l\lrlnlOr in IIUrrnl 0' ,.(",,- 10 IIllllld 11m. (or
ra',"I1"1 u,"lfw,w"c "",/!Ji(, '"IlIfllI"'"111 nrlhe 1U"" "CII,ed tt, Ihll S~'l:llfll' 1""'''m'"1 b, ru,n" ('I(lln,~(m)nd mid.
brlh"ul,UIOIII1i1ttL.wll, In 1111""11I(1" IU''\('"'" In IlIll/r,'I. All' rU'~""II"l:h, 1.'"d.ri!'lu'rci,ln,.aI1' ,llhl "r"m,II,
.hlllllllll to..:. .0I1,~r 1.('" rh',I"...lhll C.",,,..IIU' ~1I)' ",hlllr 'Iln"d,.
'1. SUfleuu" I"d Auhln, lIolll'ldl Juhlt lni S"etlllldiilll)'1 CII-tlCII.tI. The en"C"""" and '.'I1~""nl. or
Ibi, 5-'\"IIm, 'lbllunlclIl .h.lll bin" ~lIlJ thilllllllh. IUI",IUUfI and .a'li,n, or 1.,"d", I"d Botto*." IUllJ"1 hllh" rrcllti'1I1111
ntl'3U"llrh 1'.lIu,,,,_,r'l Io'O"''''''U IlId 1,'t"m"Oll IhllllwlOil'lt anG uvcul. ""' OOUIJWff who"II"t,", Ihl' S"lIrll,
1"'''"''1,11I hul "1'-:' 11111 "1:~VI, Ill. Nal': (.1 II co.'i,nill'lhil Scellril, Inlllum'''1 ani, 10 mo,llll', Ifln' and 1011 v.,
Ihll 1111"1111I"'" IlIler,,'1 In Ihl' "'l'If'l1l1' l.lntJer Ihc 1"11'I' orlh.. '.cllril, I,,,"umllnl; f.)I. IIU' pc,\OIlllI)' Obli,lIlcd Iu rll,
Ihe '101"" ""'\Irnl "" Ihl\ 5"'UIII, In'l",m1:ftt: alld CC) Ilffn Ih., L.nd., illld an, olhllt Bor,owlt "'.)' "'" 10 lI"nd,
IlNil." r"'lIlIlIr lit m~h ;III' ,c..ommodlllo'" willi ","d 10 Ih. 111m. oI'lhll S,nril)'lnu'\lm'''1 or Ih. NaIl _lIholll
11'1.1 n",m_cr"fnn\\'tll.
'2, 1.a'1'I (.1I"ln, 1'lhll"I,,, tr...,uC'll_)' ,hi, S",,,m, InUllImllllllt ,utlj.cl hl.l.w'*hl"h .ell m..lmll'" hnll
eh;l""". '1", Ih;al I... i. ""~1I, Inllrr'CIN to Ihll 1111 11111"11 or olh" loan Ihll'ln collccltd 0' In be el:lI,.llcll"
ninnc.,.UIIII .1It1 Ih" lU;ln CIIo'\""IJ Ih. ptllnilf,-d IimU.. Ihlllll (ll) '"' III.h lOin chilli' .",.11 be h:ducrd II, Ih. ."'nvnl
1I1(.",r, III ,alv" Ih, eh.,;, 10 Ih, rrrmilled limit; .nel (b) '11' IlImllhud, COllIClcd rrom Qa"owu ..hlch uu.d.d
1"",1111,11 linnl' ..ill N I.rllnllcd In Dorrow", Lmd" ",., ChllC'lM to 11'I'.' Ihi, '.(und b, ftdlllllnllh. p,lnelr.1 owed
under Ihe N.lI''''~, m,.11I1 a di'fe! pe,m.nl 10 00"011I".1(1 ,,(ulld "dllCd pnllllfllll,lll. Itdllclht" *11I bt "fila! U I
l"nlll r"ra''''l1nlwhtlolll.l''' prcrl,mcnlchall' ulld" Ill. NOI.,
U, "'ar.hlllnll ""ctlllll IAllder'l Rllhlt, I( '"telm,"1 or "rirall,," of'rrlinblll IlIlt, hll Ihe ''''\'11 or
rrndlnll, ;In, r,nvj,lulI '''Ihe NUhlll"hi. S\,\:II,il, 'nllnU\lI1111 \lnl"(luCUbl..ac...a,lIll1l'" h, ~Cfln" L..niJ.,.11 hi nrtlnn.
mil' rcqlllrc Inult,,""I.aI. l"U,trI.lIllft fall ut all luml IICvred b, Ihi, SfCunt, InIlNm'''1 _lid IIta, III"oh a", fltnldln
I'tmllllcd b, fIIIU'Urh It.lr1.cnde, ulfcl..." IhlIO(llloll. L.nd" IhllllllIt lh. IIIP' IElfCllltd I" Ih, It'Colld r.tI,,,,h or
"."I"rhl',
14, NIIUeu, All' 11111":'10 Oa),,,,w,, (lrllvl..Jrd ru' in Ihll 5\'l:utll, 11111"''''1111 .1'1111 till ,lvI"b, dllllv"rlll,1I orhl
1I1AIII"1 II h, tI". ~Ia" 111;111 'Illl"u l'rrlh:;lhI, I~w ~Ulh:I u'" nr :Illlllh~, "'elllll.!. nil ",'11,'11 ,h:all he "1'~'l:I\,J Ifllh.
rn'f"\!'ll AdJr,,,,, IIr "11' ,lth.:' ,10111,1:'0' IlIurow"r tJl:lianllln h111n1h:c hi lltu""r, All)' 111111,..1111"'",,111' ,h,1I fill 11"111 b,
"'" cllI" m;all hll.\'lllJllr',.IIl1rl" Ilall'd hllUlfI or IIlJ "UI"r addtc.. Lllld"r tJ~II'"'ll;I II, "UUII 10 Du"olll.,. AfI' nOllc.
r"wi..,,J rl" ill 1111' 5(\:ur1l1 '","\11111111' ...11 tic II."m.:d hi hue be.1I 11"'" In 8nrra_., "r Llllllllr wtlll" ,i.I" II rravldcd
Inlbll,..rulf1rh.
U, nl..,,,11I1 L._, Scutlllllll" Thll SCl:u,ll, 1""Nmllll ,hell bt lov""ed II, (l1dttll I.w Ind ,h. I... orth,
Jvrt\iJ'-'IIn" ill .h..'h Iht 1'"lltI:n, II InuII'd. IlIlh. cUllllh.1 'flJ rm"I.IIII,.r cl,ult nflhl, "-,."rll, '1'I\lllllltelll or Ih.
NOIe ",,,nl"l _lth Irrllnhl~'II", Iltch CDfllIlCI Ihll flol .trlel olh" (lrovilloftl otlhl, SlIcunl, IIIIullm.1I1 01 Ih. NOli
"'hkh tin be II\'", ,lfft:l_ithcullh. conlllclin, pro_hloll. Ta Ihl, .nd I'" plovitlolll o(IIlI, $tcUril, Inll,lIm.nt .nell'"
Nolt If" G<<I,,'" III tit Mvc,able,. .
II, 110"0_"" CO", 80"ow" .1l1l1llM """ nrltCOI\(ormcd cor)' orlh, Nol. and dflhll Srcv,U11"llrum."I,
n. TUlllfrr 0' Ih. Prapcfl, ,r .IIClI,fttltllllluulllI 80".w". I( III ar .11)' PI" rJ/ It" 'tofICrl, Of ,")'
111111111 iI. II h.trIll&1ltttrla"'(lIrral (or it. bcl'lInd,II,,"rnll,. DO'IO.crllldld Of 11'lI",rll"r1IlInd Oo"ollocth "dl. "'IIlIII
,..:t'IOIll '*hhullI LcIlJ~r'. rn" _rill.n ru"~I, L.ndl' m~y. "III oflllon, tcqlll" ''''medlll. r.a,mlnllll full OraUIUN
aa:uml h,. 'h" '''''\In,)' 11I.lrllm."I. lIuvtn." thil 01'11011 ,h.11 1101 bt .",,,halb, Lend" It ...reIM I, prohlbiltd b,
tcde,.lllIw..ntl"'cdalt'"flhi,Sn:U,it1 '"I1~ml111l. .
I( LI"Jllr '1.:,d\C' Ihi, I'rliflft, LI"der ''''all II\'O Do"o,*" nOli" nt :aCCrlIlUllolI. Thl nnllce .halll',o,ld.. rcriod
ofllut 10\1111;111 JOlla)" (,um Ih..d~I' Ih. nllllCl'II d.Il'If(~ (I' m"iled wnhlll ..hlllh 80"0"''' mll'l r', alllllmt K.llrl'd II)'
Ihh 5".",11, l"iuumclll,lt Ihurowrt (.ilt III 1';1' 'h..... IVml r,io, 10 Ihfclpir:alloll O(lhll ruled. Ltnd~r ma, In.o\l ,")'
"mtdl,. "",",il'''' '" 'hI. SO:Cllnl, 1""tuml"'YrUhulll t\mlllltrlollCl 0' d.."llInJ on DI.l"olloltf
I', nllffO_.,', AI;hl tll AellllUl., It D",ro"" mcell "uI.ln 10'0""11111"" Dutrow" Ihilll tw.vlllh~ riChl to havl
""I'IIl~n'l;111 ,lflh" 5\,\,v';I, Int''''m'nl dl\(OlltlIlUC~ 1I1 :all)' 11m' prlu, ICllht,a,lh:ro(1 ell) 'd~1'(ot I\lch olher t'IIIicd al
arrlinblc I._ m.a, 'r<<i(~' (tlr "illll;lltlll11U) boIro" "I" 0'111, Profltll, pllllll'''' Iu '11, ~cr 01'1111. COfll.lnC\lIIl thl,
s..'Cllnl, 11I,I"'mcnh (I, Iblllll" or 1 JlIdllnenl '"'lSrtill,lhb S<<u,lI, hnlt1lmmt, Th"" "nndllloll' "' Ihal 00"0""1
el' po,' Lctldcr all ulm, ..hldllh," Itollld bt du. vnd" Ihil SceurilJ' lnllrum.nl ."d Ih. NOI. had no :act.l.flllon
Iktv,n:d; lb) (u'n all, dcrallll...( an, olher CO"III)"" or .,ru",enll: M ~" 0.11 c'p.:"1C\ ItlC\lIIId III (lI(orclll,lhll
5c(\It1I, III"'un""I, 11l~IIlClI".. bul nOIIl",Il.d 10. tCuo".bl. allo,n.,,' 'eCl; .nd (dl Ilkn ,uch '111011 .. Lender ma)'
hnolllbl, 'Iq\llre III mutt Ihallh. II,,. or IIlII Stcllr;l, In"'"""nl, 1.clldu'l ",hllln Ih. ',nren, .n4 BottOw"'.
obll,:allo" 10 1'1, Ih. ulm. MCII,ed b, IhI, Slcvril, Inllrum'"1 Ih.1I contlllu, unch'"lcd, Upo" ttlnlll"mttll ~
Bo"O.ff,lhl, 5<<\Irll)' In"rv"'tnl I"d Ih. ohll,.llcnl ICCvrrd hertll, '''111 "main MI, .Krell_, u I' no acul.nllOll h&d
occu".. HO,*nu,lhll ",,,, 10 r.I"'I.I,th.1I nol'PIII, In Ih, UNo(ICc.rlcr.llo" 1II1dcrpan."phIIJ or 17,
lOCI &65 Pit[ 193
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Nn'- U"'lllfl'" CnWr./llIAH" Rt.""",,, ,"d L.,.d"tunlur.lh....ftt.ftl,I '.'" 1\"'lIa",'
I', Autln.IIMII .'Ift.4!n, r....." ,11,11 Ih. IUlIl" ,. n"".." .,1" I_ I",I.IIU,,, ,.n..11I1 rI4l"..,,',
.......t '" '''''''111'' 111'''''''11,1.. tllIt ~trw'lI, I"l"ullull.., "",,1., It .,..I,rall.....4" ,1t1...,Il. IJ'N"
...1". 1"11...,,, II. ,Nt.14n '111".1\1'. I....." '..11111"'" n.",..., .1. ''''"111 "ther 'h..,,, I,. I'" .".,111111"",
Ntl.." ",..1"'111 ,&".IIl. 4.t'ltllll.III"" n.. ..,..11 "'II" 1M """'1..11'41111I' IIU.." 'I h,. 'M "".11 n ...."1..
",., pt"lt 'II .".ltr"I,," It lh. .."', "".". II, .tll, "',n,hr I.IINM'.., 'll.ul.'''It', JlIlI',I.I".,",,,. ,1t4 ,.1. II
.... r,.,"I,.I......, ""II r."hu I..r.,... 11.",_., It Ill, ,I,tIt I. III'''t'' .n., ""I,nll_ "'Ih, r',_' 1"1"'" 1"1111
''''''''II" '''ICI"I''I "" .,,,..III"fl""" ."11I1,., Ill' ...... ."."..., Off"..' It .cul".II... .... "'''''''1,..1'
.1I. ..,."llk .111.1,,11II.. 1,ICIIl,IIII,I,",4.. II 11'.'11011 MI, ....,,, IMM.IIIII.I. "'.'.1111 fIIIl.hltllllRllet"d', I_I.
~ll, 111""'''''111 .lIh....1 rutlll., 4.11I.... .1111II .1' It,.rI..l.ll'l II,n,ll, ....lru....', ,fI1III1,11I ,'NtHI... LeMI'
".11'" ..UII,4 It mll"l In..""m III",,," III '''"11111111' ,.",,,11.. ,nn'4,4111 Illl. ''''.rt,''I9. 11.,1114'... hi ..
IIIRUt41... IU"'''',,' I", ,.4 cOlli.' IUIt "h'."" I. I', "nft',tlmIU,IIII., ...11,.... '...
JO. ,."11II,, h, '",,,ul... Upo" .rulrnlltlft ",,,Iff' plfllflph " (I' .tt,,,dMI'n'ttl of Ill. ".,.n,. L,..4" (I..
1'Cf'C"I, III, 'C,"1 "' by .f\Idlcl.lI, .rpouu,d ,",fl'''' I",n bI ,"lit'" III 'iliff IIt'O"o I.b ,......,,)011 01.,", "'''"'' Ih,
P"ft, l.w In mllcel tll, ,..nl'" Ih. ',.,,..n, IMI".I"IIItO\l"''' du.. All' 'trll. roUtelH '" LtMrr 0' II.. 'H,I..,
IIlIII lie Irrll,d am 1ft r.,,,,,..1 ttlllt, eMII 01 """.C'""111 At I'" 'rort", I"d ",IIHIIoII of ,enla. IIlCIWIfI" "'I MI
lImlltd 10. ,",I""., 'en. ,."",llIIm, 011 ,n,I",,., boftcb 1rt4 ,......bl. III''''',,' r..... ,..4 Ih.III.IM ""M IIII\Un"
,""See,,'lI,I"II"'''''''I.
II. R.I..", Uraa pI,m,ftl 01.11 \\Im.ICCu,'" b, Ihll Sml,H, IftIIlUm,"I, lM4,' ,h,1I4Itchu" Ihl. Securll,
1...INm,n, _ill'loul chili' In no"...". ""'10'" ....11 p., .", ,.,.'.1.11........
n, H,lIlshl,,,,...1 r"l_ """".n', 11"'410 ,ei..'I.I. ""vlded In ",","ph "",.11 Cllllld 10... frlour rno, 10
11'1. ca".mc..ccm,..1 nlbhJdl",'I. ,,,,,11'.,.1. tit OIhtr ..I. runu,..IIO IhI. Steunl, I,,""'menl.
U. '1I"1t...M..,, M.rt.....lr..., oIlh. .,bl.."uld~, Ihll Stclltll' 1..,ln",,,nl 1.1,,,1 10 Dor,.." 10 1C41'ltf
dllflo lit. r'tlI'IIl,.lhl.Slfllnl, In'I.....",...I.".1I be. pureh.l. mo...'m'"I.... .
.2C. f..I,,"1 R.I. An.. JlI4....,..,. 8a"..." .,,'" Ihal 11'1. 1..IIIIfoI ".. ,.,..,..n".Jvd,mcnll. 11I1...... oalllt
NOlr 0' I" "' "lien ofmM,'" 'OrC'C,",utt \ltall be lti, ,". rtf.lIl, from 11m. 10 11m, "nder Ih. 1'101..
U. RII,.. lolltl, 5'1'1I111, 1..,INIII'II.lro.., or mOff rid'"'ff ....lIled b, 10lrow.,lnd rtCOfdN In.etller willi
Ihl, SteUrll, 1"'''\lm,..I, Ill, cO,...."I....4 "'ltm...I. cr..eh lueh rid,rth.lI be I.corporall'd InlO ...d .".II.mcnd pd
""I"""" ,It, Cflv",.n', In' ,.,um,..1I nt Ihl. Scc\I,II, 'a.lN,""" .. ir Ih. rid.relJ _.It . port of Ihl. SetllrllJ
INlnufI.,.I.ICh.., .rr11c.bl. boll..)1
J[] AtJJuIl&lIl' R.I. Rldc, 0 Condominium Itlch, 0 Z.... ,....11, Rldll
Cl O,adu.led 'I,mlnl RW" CJ P11tl1llll U..II D",.lo,,,,.ftl Rid.,
CJ O'h.rl.' (I1*1~1
Iy SIGNING BILOW. 8o,ta." lCe.p" ...d '1'. I. Ih. I,",,, .nd lO"fIIlIIII ,onlll..'" lIIlhl, SIc,",I,
lnllN"'1tI1 ,..d la .n)' ,ld.,U)luculrd b, Bor,aw" .nll ,,",,did .111'1 II. .
~
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me.1I
-.11,....,
IS..'
-'If"";
C......w"...TIl.'P.....Ly..'... _(:.Y.L~'4J1.).___ C...., '"
~().....~
On thl..lh.......__..y., _...tf.o~__...._, l'..l_11.ro"m..
__._.._Ih. Qnd,,,lcntd ,Inee" ,.,lOnlll,. "plllr'" _...S..uAdr..J.....loOJU
.._.______.._.___oo__oo_knowftl'mt(o'..tl.'"'orn,
'''~I"11o bt 'h. p'rlon _ wh'fI"lrnt _11_ '\I".nibt4 Ie 'h. wtlJrlln In.lNm,,,' .....,ho"'ltd....s Ih.,
_11ll--- "'tilled \h. 11m. tor lh. putpG..I 1'1.,,11, C'lI"Lalntd. . ...... n~ ... .~....
.... .'...,......~v,..
. I) '\~';.&:>.'.." "
A ~ .~.:~
ur ., '" j '.
--..- ..-......,'" .:."......._. ~ ~.. -...,..~
c.a..,,~ rA 'e..~ .,J"::O"~~.,"~(';"
"'...."..'f'c
--.... ,,,,,..8;..... "~:q:lo~"'"
l.IJ!l!rr~I~,rod",~.rb..I.....llhlwl'h1...modM.~. I;~~j"
J~,~' .-z;J~-~ !{~-
lICCO...D In III. 0ftI.. to, _odl'lJ.rDood.I. ".f'I{:"':~ ~1l~~;i~lI.".t:.\.~._
I.M.......lIoob _~H..,a,b,'--- P... _~_... ...' ".' :'; (, --1
D... __.4~, 1.__ _rd~~:: ~ -. " ...' '\'~7?'S', -"'"""""
, " '.:'J .....~.,..:.J ',;y' ".'
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. " '.."::;:,:.. .. .....
" :. "'" ~,\"...'..~ .
o. .....;.; .........."
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M, Comml..l.n ,.pl"'l
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"'0... "Iu... ~. ... "r" w.r. .1 I~' ..t.u,ft ., C.rll.J.,
couner .1 cu,..rl.n, .ft' "'C. ., ',nn..ly,nll, a.un4.. .n'
....rl... I. t"l.v"
"01'.'.0 .e . I.rn., ., Jo. nov .r lor..rlv II 'or..n O.
11.""c., Ch'ng, '.rla ,J.n, Ih. .... ,'de ., ..r'h ...e .cr"I.
J. I... c. . ,olne. ..rn.r " '.n' now or I.,..rl, ., Ch.r'" r.
.'n""I., t..n.. r". ,'on, ca. ..... 110 t..r .. Ih, ,.r.,.
',rJ.., Ch'ne. hV tho ...., 'ouc. IS I..e c. Jo. nov or lo,..tl.
.1 '.,'.n O. .'n",'ea, th.n.. .y th, ..... ~"I J4D I... ,. ch.
IJ.., ., ,rOl.NINO, ""0 .nown II '0. 14' '.rch .,., lel..e,
C',II.J., ',nn,,'y,nJ'1
"'.0 ChI ..... ".,.r.,. whIch .ad It V.,nev .nd 'l.Jnl ..
1.1JAnflr, ., ,.., d,e., J,nu.r, IJ. 1"'. .nd rl'o'~I' Ift'Ch.
dltJe. " ,h. ....',.r " D..d, 101 ~u.."J.nd coune" ".nc.d
.nd eonvlV.d unlo '.und,. .. ,.,...
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EXHIBIT C
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I'
'-
.0-
..-..... ......
"
,----.--..-.-- -.oo
~
ADJUSTABLE RATE RIDER
TIIIH ^,IJUllT^III,~: Il^"~; IlIm:lll, mud.lhl. ,..lOCh du, oot..,.,"..H.,.." ,'.., ,~'",_.._ , 1111_ ,
I"lfl.lncu,,,nrllttd Inlo Dnd .hllll" dr.m.d la am.nd Ind ."ppl.m'"1 th. MUll,..", UNd .tTru.,.,
Ite\lri'r Oh." Uhl "SVC\I,U,ln.lrum,nl"lotth. .am. .0" .IVIII b, th. und...,.,," tlh. N80rnw"" &0
MeV" 8omwtr', AdJuI'.blt RULlI Holt Uh. "Not.") &0 "ruu...ual.lI.d.,,'..flaL_A..DLddDLIU4rn
....,d...I'" A...~". .t..'l't.~u"b, IIh. "wnd." or &hI "m. da", .n. cov.rtn, th. ,,,,.'"
4'lIribllll" th. Steurhy In.l,,,m.nlllnd locoltcllu
__.UJ7..!far\b...I'Colld ,JU..c...Hatr1.ab\lII...JilM.,J.v..l.._.,lnlf.
US '. r.1t .sUHC. 11',......."A.W"..1 ~.rJhl.. hM'VlvMI.
TUr. NOTF. CONT^,NH rllOVIBIONS AI,LOWINO 1'011 CIIANOESIN
"ur. INTIlIIF.HT RATr. AND TilE MONTIILY I'^YMENT, '1' THE
IN"~:IlF.HT RAn INCREASES, THE DORROwf:R'S MONTHLY PAY.
MF.NTS WILL BI:: HlllHKR.IFTHE INTEREST RAT&: DECREASES,
THE BORROWER'S MONTHLY PAYMENTS WILL BE: LOWEll.
ADDITiONAL COVENANTS. In addlllolllalhl .......1. a.d allnlm'nla mid. In Ihlll,n,lI,
In'lnIim,n&. Durrow.r lInd Lender l'\Ir1h., cO~ln'n' and .,r.. II rullowlZ .
A. INTa.:JU:ST RATE AND MONTHLY PAYMENT CHANCES
Th. Hola "IVyld.. rur IIn Inlllullnltru.t rul, or M.J,A.~o.._,.. Th. Nut. pr...vlcf.. ro'.:hGn"..ln Ch.lnlarul
roil and Ih. munlhly plI)'mtntll,II' rOllllWII
d, INTEREST RATE AND MONTHLY PAYMENT CHANOES
(A) Ch.n.. Dol..
Th,lnlClnll rnlll will pLI)' mo)' chonWI on lh. nil' do)' or '''_M..olU''e., ~__M_' f .1 _II. ..nef on
that do)' 1Yff')' ....U..th monlh th.,..n." Each dOLi on which my Int.r"l raLl could chanl.l. ~.lIed I
.Chanl' Dalt."
(D) Th. r.d..
Hllllnnln. with Ih,nu,Chllnll' Dat'om)' Inl'nUnU will b. b...... 0" an 'nd".1h."lncf.a"l.thll
,.."..........."'"I.,"tl,.'rl"~..1
DIm Wllekl)' AVerill' )'llIld on Unlt.d Slat.. 1110.1111')' .ICIIl"itlO. odJladed lei a con.&'nt maUnU,.t
-...........,....... Oftv..... )'OU". u. mud. nvollllbl. by lh. Fldnol RI1'orv. IIIIArd.
C' (In "Conlrocl. Inl,relt HOlle, r\lrchlllf at ['r",lauII, Occupl.d Ham.., Nallonol Averl" tor.U
MllJorTypu o(L.rnd.,." publllh.d br &h. Ftdlrol Ham. Loan alnk Board.
0'11I11_"_,_.."_",_..,_,____,____"
.--.--...--..-------...-----.-------
....,..,.........., 11'.nt../.,./....., 1""','';.,It' k.,uttlll.'IWWf'n......'"......'......_"..,...,,,,..M4f,....,,,""'.,,,,.
Th, molll rec.nt Indu ngure avallobl, al arlh. dat.t 45 doya b.rore Ilch Chlnll 001,10 caUed lb,
..ClImnllnd.....
It Ih.. Indl:1 I, nu lun.,cr yvullnbl.. Ih, Notl Itolder will chUUIt A new Ind,. which II bll.... upon
compllrabll h'(nrmollan. Th. Not. Hold.r will 11'11 m, "OUCI al Ihla chole..
(C) Cllh,'\Ilallon ot Chlll1,f.
Hl'ljre .nch ChanM' Ont,. the NOlo Hold,r will calc:ulll. m~ n.w Inter'lt 'at, br addlnl__
__Z~.M_'._..,..___~.. pfrctntnll' poln", ( ._~hU_~) to thl Curflnl rndu.
Il.A,d......".,.,'v ,,,t/{.,,,. IrA,-".., 'A,. /If'fIr ,,,,..,,,, ,.,,. ...11 v,..m ...., A.o ,.,.",,',~ '" ,... 'In,",,, '" I. tD.lJjf\lJ
Co . Th. tUm, ,uhJect \u \hI pravl.lon, let torth In "cllon (C) (U1I. tCI (Iv). eC) CV).lInd CC) ('II) wUI be
III)' nlw Inl&:nou rAlo unlllth. naxt ehonc. dAte.
a~IJ 1'h. Nule Holder will then round the '..ult or thl. Addition to the n'Ortlt on...lghth ar onl
Ptreent(O.I~'r.). Thl. rounded AmOUnt. .ubJtC\ 10 Ih, provl.lon..., tonh In .teLlon tCI mn. (CJ 1M, (C)('I',
and te) (vI) will b. my nlW Intertlt r..l, unlll th. n...t ch.nll' dut..
ICA..,t.".."i.'r ho." '.i"jiu'r "'"A" ""r.", ''''11I'''11I1111I1111I1',.. ,h""" lit ,It, I",,,,,, "'t.. ",4 CAlq"
"',,,1/_..., ",..,trl "',.,..IriU" .." "'''i'''.", 1.",,,," ""'_,.J
cum 1'1wrv UN no mnalmlltn 11m II. un uny chollV" In lh.lntan:d rat. at In)' Chon.. Dot..
au..., Th,lntltrc.t rat. CIInnot b. ehanU'.d on IIn,.ln,l, Chllnv. Olllf by mort lban
_l..'Q_~_.. p.rclnwlI' pain" (ram th. rllt at Inlt"'lf have batn payln, tor \h, pncidln.
monlh..
QIiITh.lnt.,tlt rul. cannoL Incraa.. t.a mort Ihln _I'.. '0_. pare'nt al ony tlm. durtn~
thltoan IIrm. S '0 .
alltUTh.lntl:rt.t rAla tAn not dlcr,... to r"llhAn .w___~__:._._ p.rc.nt utany Um. dllrin. Lbl
toonurm.
Th. NOI' Hulderwllllhen d.termin,lh, amounl o(th. monlhl~ plym.nt thAt would b.lulncf.nt to
roplI,lh" princlp.,1 I 11m uplo'Ch:d 10 ow. olthl Chonll' Oat.ln full on Ih. mah,rhr dot. 01 my n.w Intu..t
rail In lubuunllallr .quol paym.nLl. Th. ,.Iull orlhl. calcuhtlon wlll b,th, n.w amounl Dtmy monthly
,aym,nt.
(OJ Etrllcllv, DIUI ot Chin...
M, nt. Inler"t roll will becom. ,ft.cllvl on Itch Chln,l DAt..f will PlY thl amount orm~ nlW
monlhl~ pa~m.nl h.,lnnlnl on Ih, nut monthl~ p.ym.nt d.l. on.r lb. Chan,. 0.&1 until th, Imo\lntot
my monlhlv po)'m.nt chin,.. a..ln. .
1IU\""TATIAo.Nn....LJ....TI'Ualll_~'1IWt .c."r.,......'~~....I'"
...........,...... iiC( 665 'lCI 19;
,
......iilk;;;.:,.' .
,) .,....
", II) NOI'" ala.....
Th. Holt Holl'"wlllll.llwtI" "IUlIlII.. nod..., 1n1 chl","ln III)' Inte,.., rllI.nd dI. Imoun,
"mr monlhl)' ,.,nllnl \tr.re &hI ."oed", 4.St .1 'n, .hln,.. Th. n.Ue. wmlncl_d. Int.muIlIen
nqvlnd b,IllW I. be Ii",n 1ft. .nd 1110 &h. UlI. Ind lellph,n, n....b.,.h pt,.." who wllllnlw" an,
4u.IlJon I ml, hi" hlard'ft, th. noLlft.
B, TRANSFl::R OPTHE PROPI::RTY OKA BENEFICIAL INTEREST IN BORROWER
Uniform ,"Inan' 11 at..... SMI,h, 'nllrt4mCnl I. Im'n4td lo "Id II ""lIowlI
Trand., .rlh. PruPIr', or I 8I1ft_n.I.1 Int...... In Borrow.,. IlaUlln"" PlIrtllfLh.ltru,,",
If In, In'wrvllln III. .old or lrun.',"" Cur ,r II b.n.n.hd In a".., In lIomtWtr I... cI or ltIIn'''''nd In4
H.rrow"l, nolll ""'''lnal P""") wilhuUI ....nd.,'. prior _riU,n ""n"n'. wnder "'.,.., I" .pUon.nqul"
'",mrell." p",mvnl In tllU ,'alii IUm, IH\I,td by Iht, SHurier fn..rumnu.How,ver, IhlnpUo" .....11 nul
be ..tm..d b,l",nd., I' ...rel..l. "'hlbl"" b)' ,....,.. I.w II af dr.. d.wltlls.. StftrU,'ftIlNm.nl.
LI"der .llv.hull ""I '..rdlllhi. 111I1u" I~ (.II) Borrow., CIU.", h. bI.ubmlUN l&f ,.."d" l"fl.rmruJnft
rvq..lr"'b)' '.vn".r la 4r'lllluuw ",.Inllnd..! lrDn,',".a.lt. naw luun w.,. b.lnll mudllu U1lltu".t.fQ:
.nd tb)r..nlJ"r "'1I.unabl)' d'LlrmlnUl thYI wndllr', ...urtl)' will nul 1M Impalnd by thlloan ...umplian
.nd lh..I Ih. rJ... ot. bruch oI.n)' CO'l,nUI or aln.m.nll" "'I. ~ril)' ''''''lIm,n, J. Ict.plablllo
1.4nd.,.
,... .h" "'1,,,, "rmi"", ., .ppllcubl, Ilw. lAnd" mil)' eharw. u rhtunulll, tv. If. Ii cunclhiun III
'..nd.r', nn..nllo Ih.loan ,..umpUun, Land" may OIM rvqullt LIt. Irun.t.m ta .h,n IIn &I..~mpUlln
,.,tnm'nl "".1 I. accopwbl. ao rAnd.r and lh.. abllllllll &h'lran.t'hI' IU II..p .lIah, ,rami.,. and
"N'm.nll mud. In Ih. NOI.and In Ihi. Sff\lrfly fn.lnam.nL BurruwIf wilt contlnu.... lMublllloLrd und"
&h. Null and Ihi, &nnl, 'n.I",mIlR' unl...1.~n4., "III,"' Uurruwor In W"I'nll, .
It I..ndrr "urd.,. &h. .pdun 1&1 '"Iulr. Immtdl"le pu)'m,nl in tull. Llnd.r .hall ~u Borrowol
nolln ..heal.,ull..R.Th. nuUct,holl pro'lfd.a p.rlO4l otnollv.. Ih&ln au dart trum Ih. dDIt Ih. nallc. I.
d.llv.rtd or m&lU.d _IIhln which Hl.lI'f'Ow.r mUd pa)' ..II .um. IIOC:Urtd b)' &hI. !ftrcuril)' InlIMlm.nL It
Harrower fun, In PII)' .hvII .um. pnur 10 Ih, ..plrolion 0' &hI. ""ud,l.nd" mil)' InYOk.llny nm&rdl..
",,"htld b)' Ihl. Sl/C\Iril,ln.lnIm,"I whhllll 'lIr1hcr nolln or d""..,,d on Uurraw.r.
BY SICNINe BELOW, Barro...." lce,plI,nd a"",.. to &h.llrm. and coy,nan.. conLaln.d In tltl.
Adj....b'.R...llld", ~ 1
~...z. -n I ~~. .J
,1./1 (A.iJ UND s, Lll.u. .J~_. .:.~!
..I'~ --__ IS..II
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EXHIBIT C1
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ASSIGNMENT OF MORTGAGE
~"'CPO OJC ""I
cr F/""t. '.
KIlOIl ALL HEll BY !'BESE PRESEllTS that Resolution Trust Corporation as Conservator or Receiver for First
.Federal Savin~s and Loan Association of Pittsbur~h s/i/i to or f/kia, as the case may be, First
United Federal. a Division of First Federal S&L Association of Piltsbur~h. the Assignee of the
Hortqaqee nued in the Indenture ot Hortqaqe bereinafter Qentioned, for and in consideration of the sun of OllE OOLL.\R
($1.00) lawful loney unto it in band paid by Fairfield Affiliates, a General Partnership, bereinafter
'lssiqnee' at the tiDe ot execution bereof, the receipt ~bereof is bereby ackno~ledqed, does hereby qrant, barqain,
sell, assign, transter and set over unto the said ,\ssignee, its successors and assigns, AlL !'BAT CERTAIII Indenture ot
Hortqaqe qhen and executed by Saundra S. Lopez to First United Federal. a Division of First Federal
S&L Association of Pittsbur~h beJrinq the date SI20/87, in the aQount ot $S 1,300.00, toqether 1ith
the Kote and indebtedness therein lentioned, said Hortqaqe beinq recorded on S121/87 in the county ot
Cumberland, Couonwealth ot pennsylvania, in Hortqaqe Book 86S, paqe 192,
Tax 1.0. ,.
Beinq Kno'"" as Preaises: 14S North East Street. Carlisle. PA 17013
and 1937 North Second Street, Harrisbur~, Pa 17102
Also the Bond or Obliqation in the said Indenture ot Hortqaqe recited, and all Honeys, Principal and Interest, due and
to qrow due thereon, with the aarrant ot Attorney to the said obliqation annexed. Toqether 1ith all Riqhts, Re~edies
and incidents thereunto belonqinq. And all its Riqht, Title, Interest, Property, Clab and De~and, in and to the SaDe:
TO BA'IE, BOLD, RECEIVE AND TAKE, all and sinqular the hereditaDents and pre~ises hereby qranted and assigned, or
lentioned and intended so to be, ~ith tbe appurtenances unto ,\ssiqnee, its successors and assiqns, to and for its only
proper use/ benetit and behoof forever; subject, never".heless, to the equity of rede~ption of said Hortqaqor in the
said Indenture of Hortqaqe naRed, and bis/her/their heirs and assiqns therein.
sealed and Dell vered
in the presence of us:
III WITNESS liBEREOF / the said Resolution Trust Corporation as Conservator or Receiver for First
.Federal Savin~s and Loan Association of Pittsbur~h s/i/i to or f/kia, as the case may be, First
United Federal. a Division of First Federal S&L Association of Pittsbur~h bas caused this
AssiqnDent of Hortqaqe to be duly executed by its authorized .\ttorney-in-Fact this22nd day of June
1994.
Resolution Trust corpE;r tion as Conservator or
Receiver for First OF eral Savin~s and Loan
Association of Pittsbur~ s/i/i to or f/kia, as the case
may be, First nitetVPederal, a Division of First
Federal S&L socia&olll df Pi ur~
, ;, .
By: n '^- /
oug el:l: , Attorney-lli-Fact
Which Power of Aqtorney is intended 1:0 be
recorded in CumbJrland County, PA immediately
prior hereto.
State of
Texas
ss.
County of
BARRIS
On this ~dday of June , 19_, before De, the subscriber, personally appeared
DOUR Burdett , '.bo acknowledqed bi~/berself to be tbe Attorney-in-Fact for Resolution Trust Corporation
as Conserlator or Receiver for First 'Federal Savinqs and Loan Association of Pittsburqh s/l/i to or f/k/a, as the case
aay be, First United Federal, a Division of First Federal S&L Association of pittsburqh, and that be/she as such
Attorney-in-Fact, beinq duly authorized to do so, executed the foreqoinq instrunent for the purpose therein contained.
//; h,,/(I n-tiJ
/ Notary Public
III alTNESS .~EREOF, I bereunto set oy band and official seal.
The precise address of the
within naDed .\ssignee is:
c/o G.E, Capital Asset Ma.oa~ement Corporation
2000 West Loop South, Suite '300
Ho~stosr, :J(/}227 ' ,
4,/. ~ ~,. il.
--'"
TOlA A. NOWAK
Neery P\.tlIl::. S1a1l 01 T....
My Cam1iuicn E>;il1.
JANUAAY 4, IlIIl7
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.
AlL thee c"r':.aln lo~ or p1\'c:~ o! l!~~ s1':~!':e i~ -:he ll,:~ \.!~=:! cf :he C1::j of
Harrisburg. Dauphin Coun~y. Pennsylvania, more par~icularly bounded and described
as follows. ~o ~~~:
BEGINNING ae a poin~ on ~he Eas~ern line of Second Stree~, ~wenty (20) fee~ South
ot the Sou.hern line of eeffer Stree~ at line of land no~ or late of L.M. ~acbaugh;
thence Easewardly along said ~acbaugh land ~hrough the ceneer of a partition wall
and beyond eighty-eight (88) fee~ ~o land, now or late of Alvin 1. Stacks; thence
Southwardly along said Seacks land twen~y-two (22) fee~. core or less, to a poin~;
thence Westwardly parallel with Peffer Street and along the Northern end of a
~~ree (3) foot wi~e ~rivate a~~eJ ~~ree (3) fee~ to a pcst at line of land now
or late of Charles S. Sourbier; thence along said Sourbier land eigh~y-five (85)
fee~ to Second Streeel thence ~orthwardly along Second Streee. twen~y-two (22) fee~
':.0 ~he ~leca of !!Q~~:!~C.
HAVING thereon ereceed a brick dwelling house kno~~ and nucbered as No. 1937
:;orth 51Ocona 5~rlO"t_ H4:r~sb~:., Pa. Tax Parcel 0 1l-007-075
Att rhar c.::.!n Jo: ot ground vl'~ ~ '
.r'cte~ ,t/...... ".h'/ .. t. t: j::lpro..,~.~,.,,:~ e.'ur,a.,
....... ." ., r ...... 1i......t1' 1:
coun:v ot CU~~'rlana .na';.~:."~~;" ."1!0:OU9h ot CarJl,J.,
d'6crlb.d .6 loJlcW~1 .. ann!v van!!, ~:~~~,~ and
!r~:NN:NC de . t:~r-.'" __ ,
iI'. - .--. .... .c: nc'" c: !::'~~:!"i c! U~.._....
":;",'=..:,'" r,'u;;c:. Horc."! .10111 C~. r.s: ',I o. .... o. a,
J5 (~.:: to . polnt, corner ot ....... ...,., !:-~ 0/ Hcrt.'J El.tC: SCr..c,
.~.!::er.":':!:."J.. ..."'...__. 1"..... .' J...... .....'J O. .o:::a:ly a! C.t.~r!'. _
.......... -..... .0:'19 tt:.e 3"-. 2" ..
Sp:1.,V; t1:':H:. by t.~e ...~", SO~"h '''~.:.. (e,e :0 c}:, t,:"cr:
cf He:m.., C. lHn'J::!C,'J1 thel'C'I'; JS ."'.: .~ Jo: no.., or \tor"~I':'!'J
'l.c. or 5ral~ul.~ S"ZU- k V the ~.-., We.. 240 r... to .h.
. '''''''' II... ne"n,.1 He t." .
C4:l!~!., Pe""'2'l,,,,'!..,t.:, . - .Y::c,'J r.,: S:reet,
SUI/a t.~e U.~e p'opa..v ~I' II
O:11!n9Qr, ~V de.d ~';'d ~.n~:~~c"2Joal:;,v.rn.~ ond El.!n',5.
O...t!.C'o ot ch" lfttCo"..... 0' Q ". " , IfH~ recorr:,d !n Ch.
~ ...... .. de... O. CU~"..'. ~ C
.~~ eonv.~.~ vn:o S'U~~:4 $ Lc ;.. h~.... n. c~nc~, i:~nC:'d
. il -. Tax Parcel 002-21-0318-153
EXHIBIT A
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EXHIBIT D
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1'....1..t 1'&D&IUU:I
L...".&lfC& T. PIlIt1......,
1Ua0t.D l'I, K...1......,.
Jcu.lf P. BaoD'.Y'
PETit. C. CU.l0
R&altcc:... R. WOOD.U'&
Luu& E. PInD....
Fa..:fClS S. LU.L...,...N-
SCOTT D. 511&.........,.
D.....,llt1. O. SClIlflltO
. .ADMItTED Of PA AJ(ID ~.J'.
t....w Ol'l'lC&I
FEDER~::or .A.::orD PHEL.A.."l
SUITE 800
Two PE:nl CE:fTEB PL"'ZA.
PHILADELPHUo PA 1810a-1788
(alD) 11150-7000
T&1.&COP1&.' (210) 0150-11004
~&DU Ol'l'lC&
e4lJ NoaTH H&1U11l0lf
MItDl.... PA looeo
(1111) 101.157+4
NEW JItIl'&Y Ol'l'lC&
SU1TE 101
SItlfT1lY OI'I'IC& P1....u
aae R.a.I>DON AVL"U.
W..ncONT. NEW J....Y oeloe
11500) ele-lul
TaUCOP1S.' (000) aae.liJ.ea
MNIJflln.A.Toa
DON.a.u> E. OOOIlK.a.lf
P1.&....1t RItP1.Y TO
THE PHU....DELPHLA. OnteE
June l5, 1994
Saundra S. Lopez
145 North East Street
Carlisle, PA l70l3
2580 Lewisberry Road
York Haven, PA l7370
1937 North Second Street
Harrisburg, PA 17120
Re: - Premises:
Loan No_:
l45 North East Street, Carlisle, PA 17013
3300007634
NOTICE OF INTENTION TO FORECLOSE
We represent Fairfield Affiliates, the holder of the Mortgage
on the above-referenced premises, who hereby advises that it will
accelerate your Mortgage (demand payment in fUll) and pursue the
foreclosure remedies permitted by the mortgage unless your loan
delinquencies are cured as provided below.
The total delinquency, including late and other charges is
$32,064.95 for the months of ll/l/90 through 6/l/94. Your failure
to pay the delinquent amount, plus any additional monthly payment
and late and other charges (including any accrued interest) that
may come due within the next thirty (30) days, will result in the
acceleration of all sums due under your Mortgage. After
acceleration occurs, a foreclosure action or any other remedy
permitted by your mortgage may be instituted.
,f
'. ,
To avoid the acceleration of your mortgage and subsequent
foreclosure action, the delinquency mentioned above and any accrual
thereto must be paid by CERTIPIED CHECK OR MONEY ORDER and received
in our offices at suite 900, Two Penn Center Plaza, Philadelphia,
PA 19102, in or before thirty (30) days from the date of this
letter. Please call (2l5) 563-7000 for the exact amount required.
You have the right to reinstate your mortgage after
acceleration by fulfilling the conditions stated in your mortgage
pertaining to such reinstatement. You may call our office to
discuss these conditions.
Any future negotiations attempting to reinstate your loan or
acceptance of any payment less than the full amount due shall not
constitute a waiver by the mortgage holder of the acceleration
unless agreed to in writing by the mortgage holder.
You have the right to assert in the foreclosure proceedings
the non-existence of a default or any other defense to acceleration
and foreclosure.
Very truly yours,
FEDERMAN AND PHELAN
By:
Frank Federman
FF:lg
cc: G.E. Capital Asset Management Corporation
Attn: Sharon Carter Loan No.: 3300007634
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MONTHLY PAYMENT SCHEDULE
11/1/90-6/1/91 @ 790.97/140
Lat:e Chq. @ 23.32/140
7/1/91-6/1/92 @ 738.18/140
Lat:e Chq. @ 20.68/140
7/1/92-6/1/93 @ 688.80/140
Lat:e Chq. @ 18 . 21/140
7/1/93-6/1/94 @ 643.33/140
Lat:e Chq. @ 15.93/140
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EXHIBIT E
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'~ NatIonal FIrst Mortgage Corp.
Loan AdmInIstratIon
180 FOil COUCh Road
P'nsbu'Qn, Pennsvlvanla 15241
1412~854.2990 :,",.,4'.;; :1:'I'l,' lirar!:r:: '_':": I':I~II"~ :'I.ji';~'';'': I
'. '
'1 i""!':': r::.j I: " ;.:jjlirGI~I:;~ ':I~;'~ r.; ;A;.~t:o:: 41: r I)'" ! ":"
JI_!.~iE ;E~D T~:~ NOTtCE '(OtJ MA!' i~ il.!;t~~~ ~a~
;: !;'lMI,; [,:'L ,;,'5:: L'5rI4H(l! TOWAP D ,(,jlJI'\ i,Of\ f"A,;e: F ,....i1F.:iv r:i
RE: MORT~AGE A~COUWT NO. 152068-\
~
qo
r
ljt:Tlji:.;::r.o. ~; 4 ,.:.-;..
'SAU~'['R~".t 'a i_OF'~.!
~ ';;7 ri ~NO 57
HARRrSBURG PAi7\e~
'f'j'Jil i1lJRrGAGE ['3 IN SF.RIOIJS OI!FAUL i ~F.:':I~USE YOU HAVE FA ILED TO FA'r PROI1PT'_"
INSTAlLMENTS OF Pf\!NCI~AL ~NO INTEF~5T, AS RF.AUIRED, FOR A PERIOD OF ~T
LEA~~ SIXTY 1601 DAYS. THE TOTAL AMOUNT OF THE DELINQUENCY IS . 7.13:.64.
THA1 ~iJrl t~(L~DCS 7HE ~~~LOWING:
~A'(HEtJ7S FRIJt. ~10\IFMBEP ~l 1~~0 ra I'HE PP~SENT rOTALING . 8.776.~:
THiS ~M~tJ~'r ~cc~ ~Q'r ~~jCLUDE ~~TE ~H~~GES.
,(,jlJ ;;i~'{ ""' 1"::. to:; IE'L<:' F'JI; FPIHiK rpL "'~"= !':;r,~NI;E THAT IH'_L F'P,EVENi FOFF.:,:I.'JSUP"
tjjoJ 'f('~;~. roljifTI-:,~I~:! IF 't":jlj C.Jf1l=.I..... l.jrT~~ iHE F'r<C.Ovt~t'ji~S f)j=' THE rni'1EO'-.H-.![F.:; I E;.:r:~~
liENC":' HOP.itj':;,:;E ~'.;:~n:';i':+~II:F. ,,'leT (Jj.':' ;'1~~') crHE (o\cr;l. .(0'-' M/;." [-ti ~LII:;.rEt~..E FtJ~
!HF~~~NCY TE~PGP~AY ASSt3TANCE IF ~OY~ ~.lGIBrLITY PEQUI~E~ENT5 OF THE ~CT
AS D~TSPH!He~ ~y THE P~HNSYLVAME~ HDUZ["G FINANCE AGENCY. PL~ASF.: R~~D ALL 0
THI'~ ioHjrI':F:. 1T cc~~'r(~I~;~ ~N E:!F'I_Ai'JI)TO::CljJ C!F YOl..II~. ~.It.;H"r~..
lJNC.F.:i= T!-:~ A',: r. ','o'lj AF.E" ~i-"i,(Ti.Ei:' rei ..\ i't::j"PljP.(~Fri ':iTj~'f 1,ji=' f='IJF\i'!I:LIJS1JF:E: ,.);.~ '1"tJU\;
MO~"~~~~ ;~R r:~!!T"i (10) o~rs ~:ni~ '~~E r'AT~ OF !HIS NOTt~E. DUR!~I~ THAT r~~
.(1)1.... I"!,:,',F.: TH~ n ~'~loI~ T.1 ;.'tRfi.~;"Jr~;~ (~ OI,:'HI':-:: ;"0 I':'AC~!OI MEE"Tr:'J.; t..lITl.f A ~F.:Pf1.ESI~r.!TATr"
,jF 7:'i~:: :.::':NfJE::, l:P tlltT"'~ ,:, .L.~~~..!GN~T!:.::' ,:r.HH:LHoiER '.:i....E.')!"r ,:OlJi':::E!..lt~G !~r,.:::r.!C,(. '"!--il;"
PIJRP,)SF ~~ THHr M~~rI~G :s rn A\"rE~p~ rQ WORK OUT A R~PA'(HENT ~LAN, OR IJTHE
',J!:;t: ';I!T-r!..E '.'t'jdn ':'~L!:-.H)UFNCY. THAi j.,r::F.:T!NG MUST OCCIJP, t;11 THE' t-!I~:\T 1'!4!P.T'~'
" 10; D:~:.~;,
:F '."i!i~. ';;I"i~~r, .-:. j:':4c~-rlj:."r-~r.E Mlri:.,.1r;G i,;!iH THIS '_Ei'!DEw., (tP. It.r[TH A CONSUi~r::::',
CREr.,P' ;:'7'UI-l';:iO!..I:v'; (~';E~!O:"( IL'E:I;~~IO::!: !:I THtS NOTT.':;;:, N':; FURTHER F'~OO:El;:DINC ;
MCRTG,'~fiE FQ~~~I_OGVR[ MAY T~I(E PL~~E ~OR THIRTY (30) DA"(5 ~FTER THAT M~~T~N~
THF.: :U.i;I'.:';' OF OUR RF.F;:,;:SENTr. rIVI,S 1\l1.0:: E'_ r.ZA!<ETH 11AC1\ MH' '.OP.! I(fl AGNES. THE"
.:AN ~= ~,EAO:HEr. In' IJ;)":;:r'~;AL F'tflST r,QPTGAGE r.QP,I:"JR~TI()N. 1 G') FORT .:OUCH '1'7:I~~
f='!T iS~URta~H, F::; i ~ :;,\-;; r-"}.JQ:.lf 1-aO.:~.-:!,:;::-~'?66..
TH~ ~~H~E ~~D ADDRES~ES ~~ ~E5~G~A'~D CON5UMER CREntT ~~UNS[L!NG AGENCIES
APE p~nVl~E~ 1~ THE ~~JCLaS~D L!ST!NG.
Ii' "~.,: .~i"-li.:,:,' ,,:::':i:.7.::;S"~11',' 1".-: !:r.H:::~,IJI...E i:I~4::': ;:'ACE-TQ""Fj~r:E MEET'LN';.. ",.jIJ '3HOULD AJ:I\J t'
rH~S ~.~ND~~ iMH~D!A'rEL'( OF ~Olj~ I~Tf~rtQNS..
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~ National F1rst Mortgage Corp.
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180 Fan Coucn Road
P,nsOurgn, Pennsvlvan,a 15241
(4121854.2990
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':'I:'~ jl.-:. i~Cli'"ii:>:I:~hE'i:S' lr.i"iE~t;::;~ir.Y i"'i'H1i';~I-;E A5f; t$T~rJr.E FIJN[', !r.1 ',n.De:!~. TO 00 THIS.
YOU ~usr FEL~ cur, ~~~~ AN~ FIL~ A HOMEa~NEAS' EMERGENCY ~SBI5TANCE APPLIC~.
TION ~:rH T~E P~~NSYLV~N!~ HOUSiNG FINANCE AGENC~. THE CON~U"gR CREDIT COUN-
5l!l.I:-t'; ,\GiZ~IC,( WI'.L ,,'5$I5T 'fOU IN ~ILLHIG OUT '(OUP. APPUCArIO~I. !T MUST I?E
FIL[~ 0~ "05T~ARKED, ~tTH!N TYIRTY IJel OAYS ~F YOUR FACE-TO-F~CE MEETINC.
YOU MUST EIfHER HAIL 'OUR APPLICATION TO THE PENNSYLVANIA HOUSINC FINANCE
AGENCY, OR you MUST ~!LE IT AT THg OFFICE OF ONE OF THE DESIGNATED CONSUMER
CREDET caUN~ELING AGENCIES IN THE ENCLOSED LISTINe.
THE FE~NSYLVANl~ HOUH!N~ FINANCE ~GENCY IS LOCATED AT' 210t.NORTH F~ONT ST,
p.a. BOX ao~?, HARR!SEUR~, p~ t710~. PHONE (7171 790-3800 OR t-300-342-23G7
(TOLL ~RE~ NUMBERl.
AN ~~'~~!C~TTn'J ~np A$3TST~N~~ ~~.I' B~ ~BTA!NED F~OM THIS lEND~P. FROM ~ ~ON-
SUMEA (RE~[r COUNSE~~~G ~GE~CY, OF D!~ECn_Y FROM THE PENNSYL~~NIA HOUSI~G
c:'Li~':'I\II-::: ....i~f;'i\l!: .~.. .
~'i .~.: :::I:'f'i7r..:;;r:-i,~'1". '[i"'ir'Q~T.~Ni" T~l':'i' "":':.1 ~!I_F.: 'r-r.'u1'. I~PF'I_!CAT!Qi>! ?'=:OHF'''i!..'f.. 'LF 't"aJiJ
DO ~or D~ JJ, QA !~ Y1U DO Nor ~OL~C~ THE OTHEP f!ME PERIODS SET Fo~rH 1M
THI:; :..F.7TF:P.. ....jnr::.:i....~:.slJrr: ~~..,. r:'P.U'-:.EI~;:1 .~(;A.[I'Jr:.T '!'ij U Ii, HOrlE tiir!i~TJ!i~TEI..'I.
AVAlLADLE F~;~~ns FOP ~H~~~~~JC'f 1~IJ~'rGA~E ASSISTA~!CE ARE VER~' L!MrTED~ TH~~
'';ILl. ;::.: !It;:~i.l;;S[!:1 "{""\"y" 1HE" :~.c.E:,rC'#' 'Jr.II'I~;:. THE EI. !C,rBIL.:tT'"!" cP,rrr::j{[A E5TAT;lI..!SHEt'
E<'( r1~i: I),:.,
~r '~G ~.,:'rp~~~!,,' t~~'QRTi_~T ~~iA\' '(QIJ~ ~~~~ICATrO~ IS ACC1JPA'lE AND ~OHPLET! IN
EV~~. ~F3~~ST. f~~ ~QU~a~LIN~ AGiN~Y WrLL HELP YOU fa ~ILL OUT T~E APPI.IC-
~ri0~ rHF ~~~_~~~~v~~i~ ~~I;S!NG F!N~NC[ A~ENC'I' ~IAS SIXTY ~~0j Df~Y$ lQ ~f'i~~
~ [~C1~rQ~ ~~TE~ [T P~CS!V~S YOUR APPL!CATION. DURING T~Af ADD!TIONAL rt~E,
NO 17~:!.'~:>:!._I:-';U;:;': r'p.C.i:!:.:::::r:'t~J(;S ''':!LL cE :='I)rISIJI!D Ar;..'Ii"~T '!'OU IF "OU HAVE MET jl..n::
Tr:~~ ~i8U~p~MEt~rs S~'r ~OPTI~ AGaVE. YOU Ui!.L S~ NOTIFIED DIRSCTI.Y BY fliAr
.~'i';i::i':'=~' I:,r: -;T:-:. (:I.'::C!::!'_jN ':r! ',.:.1..1 Ar-'~'t.!r:"T!Q(\~.
'(ojlJ 11,:.'1;;: l:;!.':';:;~["; ,jt'\ Ii'J ADIH:l'J:. W!,-'_ i'C:,:~!'1E ANOTHc.fl NOT!CE FP,'JI1 TH!S '_ENr.,F.;;
~J:4D~P ~(T ~ Jr ~~7~. THI)T ~:OT~~~ t~ ~AlL~D NOTIC~ O~ tNTE?iT!~N TO FORECL~SE.
"';jiJ Ii"'" n.-::,-i.' E,)r'-I Nljf!I:S:'" sn.,:E 'fi-'I::O( BOTH EXP'LrHi~ IUGHT'; rHI'T o(Ol~ NO\J HI'VE
'j!,;T."!;:'4 i'r:::":~~':'l";_'.f"\''tt:., 1..~~l.l. HI-lloJEVF.!~'.. !F' T'r.HJ .:HQQSE: T'J F-XEp(I:IS;:: '!'OUF. P.1GHT5 'OE'.
S.;p, iB,;:;;' !:I ,o:"!'5 r'l,: neE, Wt C'4NNoJT ':'JrlI:.CI.IJ'5E lIf'Oi'l 'fiJU DURIN':; 'fHAT TIME. ALSO.
~~ ~~i. r~:[I'i~ ~l~'~~I~t~L ASSISTANCE F~O~ THE r-'ENNSYLVANtA HOIJSING F!N~NrE
A~;~~I~(, Y0UP HO~E CA~NaT EE ~Q~~CI.CS~D UPON WHILE '(au ARE R~CE!VrNG r~Ar
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~ ""ttnn.., f1rst Martgtge Carp.
Lo.n Admln'Slflllon
180 Fan Couch Ro.d
P'lUburgh. Pennsvlvan.. 15241
(4121 854.2990
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!M~'Q~7~N'r rl07T~E OF H~~EO~NE~S'
gHSRGENCY HOPTGAG~ ASSISTANCE ACT OF 1~S3
ljCTOE-t::..
~Li~~~ ~~~O THIS NOTICE. YOU MAY ~~ EL!GI~~~ FOR
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SAUNDi\':; S LOF!':Z
14~ N. ~AST ST.
CAR~ISLE,PA.17GIJ
~E: MORTGAGE ~CCOUNT NO. 3~~06a-l
YOUR ~ORTCAGE IS IN SEPIOUS DEFAULT BECAUSE YOU HAVE FAILED TO PAY PROI~PTLY
INSTA~l"ENTS OF PRINCIPAL AND INTEREST, A5 REQUIRED, FOR A PERIOD OF AT
LEAST SIXTY <60' DAYS, THE TOTAL A~OUNT OF THE DELINQUENCY IS . 9,~J2.64.
THAT SUM INCLUD€S THE FOLLOWING:
PAYMENTS FROM NOUEM5!R 91, 1990 ro THE PRESENT TOTALINC $ 9,776.72
THTS AMOUNT ~OE~ ~~T IN~:L:JDE LATE CHARGES.
YOU MAY BE ELr~rPLE FOR FIN~N~IAL ASSrSTANCE THAT WI~L PREVENT FORECLOSURE
'jN ~':,,)i1;:, HORTGA.;E I'" YOU r.OHI:'L Y WITH TH.. F'R.OI/!SIDrIS or nil:: HOMEOIoJNERS' EMEP,-
GENCY Ma~TGAGE As~rSTANCE ACT OF 1983 (THE ACT). YOU MAY BE ELIGIBLE FOR
EMERGENCY TEHPOR~PV ~SSISTA~CE IF YOUR ELIGIBILITY REQUIREMENTS OF THE ACT
AS DErEP~INED BY THE PENNSVLVANIA HOUSING FINANCE AGENCY. PLEASE READ ~LL OF
THIS hDTICE. IT CDNT~INS AN EXPL~NATION OF YOUR RIGHTS.
UNDER fHE ACT, YOU A~E ENTIr~ED TO A TEMPORARY STAY or FORECLaSU~E ON YOUR
MOR!O~GE FOR TYI~T~ iJ0! D~YS FROM THE DATE OF THIS NOTICE. DURING THAT TIME
vau HAVE THE RIGH7 Ta ARRANGE A 'FACE TO FACE' M~ETING WITH A REPRESENTATIVE
OF THIS LENDE~, OR WITH ~ DESICNATED CONSUMER CREDIT COUNSE~ING AGENCY. THE
PURPOSE OF TH~T HEEfING IS TO ATTEMPT ro WORK OUT A REPAYMENT PLAN, OR OTHER
I~IEE: S'!iTLE YOU!l t'EUNO'JEN((. THAT MEETING MUST OCCUR HI THE NEXT THIRTY
(3<:') DA'fS.
!~ :0~ ArlEND M FACE-TO'-~~CE MEETr~G ~ITH THIS LENDER, OR WITH A CONSUMER
CREDiT COUNSELING AGENCY IDENTIFIED IN THIS NOTICE, NO FURTHER PROCEEDING IN
HORTO~GE FORECLOSURE MAY TAKE PLACE FOR THIRTY (JOI DAYS AFTER THAT HEETING.
rHE NAMES OF OUR REPRESENTATIVES ARE ELIZABETH MACK AND LORI KRAGHES. THEY
CI~tl ;;:: F,;;:':'CHF.:D ..1" NATIilNAL FIRST HORTGAGr: COl1F'OI<ATION, ISO FORT COUCH TOWER
PITTSBURGH, ~~ !5141 I ~~ONE l-e00-336-~~66.
TMi ~~~~~ AND ~D~~ES5ie C~ DESIGNATED CONSUMER CREDIT COUNS~I.!NG AGENCIES
ARE cFQVIO~D iN THE EN(LOS~D L!STING.
IT IS ONLY ~E~~E5~~v 1'0 SC~EDULE ONK FACE-TO-FACE HEETING. Y~U SHOULb ADVISE
THIS LE~rE~ !"~EDr'T~~Y OF YOUR INrENTrONS.
~ '.
~ ~~l ~tfnnlll FIrst MartIJ;J.ge'rp.
Loan Administration
180 Fort Couch Road
P,nsburgh, Pennsylvania 15241
(4121854.2990
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..a;,;j':'~" ':'f..l"PE~j;'i ~~'il 'f1')IJR ~(f.I;HT r::. r':F.I,.:.rN r:-4 !T. r~ '((jlj CONT LNUE 'flJ I...IVE IN
TH~ e~0~~~rJ ~Fr~~ T~E S~EPt~fI5 S,~L~. l~ l~~5~I~T MA'i ~E s'rARTED T~ EVICT YOU
YOU HAVE ADDITIONAL RIGHTS TO HELP PROTECT YOUR INTEREST IN THE PROPERTY.
YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORT-
GAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO'PAY OFF
THE DEPT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT
TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT,
PROVIDING THAT ALL THE OUTSTANDING PAYHENTS, CHARGES AND ATTORNEY'S FEES AND
COSTS ARE PAID PRIOR TO OR AT THE SALE AND THAT THE OTHER REQUIREMENTS UNDER
THE HORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUMSTANCES
THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF.
YOU WILL RECEIVE ANOTHER NOTICE OF CERTAIN RIGHTS YOU HAY HAVE UNDER THE
HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF t983. YOU SHOULD CAREFULLY
READ THAT NOTICE SINCE IT EXPLAINS RIGHTS YOU MAY HAVE UNDER THAT ACT TO
OBTAIN MORTGAGE ASSISTANCE TO CURE THE DELINQUENCIES AND POSTPONE THE START
OF FORECLOSURE PROCEEDINGS WHILE YOU APPLY FOR SUCH ASSISTANCE. THE DATES
lSTATED'A&OVE FOR ACCELERATION, FORECLOSURE AND ESTIMATED DATE FOR THE
. SHERIFF'S SALE ARE BASED ON THE ASSUMPTION THAT YOU DO NOT TAKE ADVANTAGE OF
I, ANY RIGHTS YOU MAY HAVE UNDER THE HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE
ACT OF t983. IF YOU DO EXERCISE YOUR RIGHTS UNDER THE ACT, SUCH DEADLINES
~ILL BE EXTENDED TO PERMIT COMPLIANCE WITH THAT ACT.
YOU H~V~ fHS RiCHT T0 As~~pr I~ ANY FnrEC~8SURE PROCEEDING DR ANY OTHER LAW-
SIJIT !~GrITI.:'r~~' u~ncr 7~E ~O~7GAGS ~O(iJH~~TS, 'rH~ ~!ONE!1STENGE OF A DEFAULT
(Ih A~J'''' 'JTI..:r=~4 rJ;:..;':~;.I:;::;;: 'r'uU ~f~LI~V'! you i'iA'" H,i'll:: T:i AN', SUCH ~CT[lJN.
!F ',.'I:i,: i-i;,,(i'~T':;!;.; CP,t:::'[T L!r:'i:: Qrl t'['5~~:i..!T'f 1ioJ5URAi'JCi:: Ii'! CONNC:~l.tI1f.1 IJITH 'fljUli
HORTCA~( ~OArl. iOU~ FAILUR~ TO PAY PRE~!UMS WITH YD~R PAYMENTS HAY ~AVE
AI.i';;:-~!Jr' RC;iJL Tr::i:' ()P. ;~",.,. Rr.:':UL ~ I;,I Ti,;;: ""UTlJRE: HI THE L,~F'SE OR CAN(;;:LATiOi~ OF
THAT I~eUR~~CE BY THE INSURANCE CDMPA~t. IF THE INSURANCE LAPSES OR IS CAN-
~~LL~~, R~l~ET~TE~ENT OF T~E I.DAN WIL~ ~OT ~EIN5TATE THE INSURANCE. AND YOU
WILL HAVE TO ~PPLY fa THE INSURANCE rOHPANY AND QUALIFY FOR REPLACEMENT
!i~:-;..,j;:~:~:rF r.;:' .,.'t:.u l&ljSI~ ":".j t;r.:1~i;!,' T7
IF YOL ~AKE PARTIAL p~YM~Nr! fOWA~~ T~E D;;:LINQUENCIES, WE HAY ACCEPT THEM
AND 4~~~~ THEM .r~ THr tEI.!NQUENC!E5. ~DWEV~R, SUCH P~~TIAI_ PAYMENTS ~tLL
HOT CU~E YOUn DEFAULT DR ~~ISSTArE YOU~ LOAN UNLESS WE RECEIVE THE ENTIRE
Ai-i01irv; i;.F.:r.'U't=-t>:,:tl TO ':URE Tl.ii: t'EF~UL T.
C,:" YOU ':;-'~.i:: Tiil.': D'::F"IJLT, THE iiCRTG':,';E :.JILl. 91:: RESTOr-,ED TO THE SAI~F.: F"J:'jITIOi'J
AS !~ ~~ DI.~~ULT S~D O~CUR~ED. HCWEvE~. you ~R~ NOT ENTITL~O TO THIS RIGHT
TG ':IJj;'-:: '{,jIJCi rJi:'t:',,:~UI. i 1;'JA':': THr";.1 rH?F.;:: r rI1~.:1 IN f~i"J''' ONE CALEtl['AP YE':-.~..
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189 Fr. COUCH ROAD 4-5
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FEDERMAN AND PHELAN
By: Michele M. Bradford, Esquire
Attorney 1.0. No.: 69849
Two Penn Center Plaza, suite 900
Philadelphia, PA 19102-1799
(215) 563-7000
Attorney for Plaintiff
FAIRFIELD AFFILIATES c/o GE CAPITAL
ASSET MANAGEMENT CORPORATION
2000 West Loop South, Suite 1300
Houston, TX 77027
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COURT OF COMMON PLEAS
CIVIL DIVISION
CUMBERLAND COUNTY
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Plaintiff,
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NO.
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SAUNDRA LOPEZ
145 North East Street
Carlisle, PA 17013
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Defendant.
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VERIFICATION
I, Susan deBoisBlanc
, being duly sworn according to law
depose and say that I am the Authorized Signatory for the Plaintiff
in the foregoing matter, and that the facts set forth herein are
true and correct to the best of my knowledge, information and
belief.
I understand that this statement is made subject to the
penalties of 18 Pa. C.S. S 4904 relating to unsworn falsification
to authorities.
Date:
f-/o- 7lf
~fu\ k ~QLVbQ.f.I r'ti ,
Susan . de Bois Blanc
Authorized Signatory
G.E. Capital Asset Management Corp.,
Servicer for Fairfield Affiliates'