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FARMERS TRUST COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
IN MORTGAGE FORECLOSURE
No1'-f-lftgI~IL 1$H ~
v.
JOHN N. WEST, and
CYNTHIA J. WEST,
Defendants
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND
AGAINST THE CLIAMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST
TARE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND
NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR
DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
YOU ARE WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED
WITHOUT YOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE
COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE
COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE
PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS
IMPORTANT TO YOU.
YOU SHOULD TARED THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWVER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU
CAN GET LEGAL HELP.
Court Administrator, Fourth Floor
Cumberland County CourthQuse
Carlisle, PA 17013
Telephone: (717) 240-6200
4. said note and security agreement and said real estate
mortgage have not been assigned.
5. John N. West and cynthia J. West are the sole record
owners in fee simple of said premises subject to said mortgage,
by virtue of a Deed dated and recorded on August 19, 1992, and
recorded in the Cumberland County Recorder's Office in Deed
Book "1110 ", Page 603, more specifically set forth in Exhibit
He", attached hereto and made a part hereof by reference.
6. Said note and security agreement and said real estate
mortgage are in default because Defendants herein have failed
to pay the payments that were due and owing for the months of
April 1994 through August 1994.
7. The Plaintiff has given to the Defendants written
notice of intention to foreclose on said mortgage as required
by law under Act 6, dated June 29, 1994, a copy of which is
marked Exhibits "0" and "E", and attached hereto and made a
part hereof by reference.
8. The Plaintiff has given written notice of default as
required by the Homeowner's Emergency Assistance Act of 1983,
dated June 29, 1994, a copy of which is marked Exhibits "F" and
"G", and attached hereto and made a part hereof by reference.
(
RECOR~AnON REQUESTED BY:
'_er. Tru. Company
On. W.. HIgh "'811
Carll.., PA 1701~
,............... .".-, '"...
'...... , ,. ..... .......
nECC,":,::;~ ~F :,C:J:')
CI",;::::""~"I:'''' ~ ~~~,jY"f,\
WHEN RECORDED MAIL TO:
'.mer. Tru. Company
One W... HlghSlrHI
Carll"', PA 170"
· 92 DEe 29 Arlll 20
SEND TAX NonCES TO:
JolIn N. W... end Cynthl. J. Wall
2001 Deer P.III Road
HerrlaIlu'g, PA 17110
SPACE AlSOVI! THIS LINE IS FOR RECORD!A'I UK ONLY
MORTGAGE
THIS MORTOAOE IS DATED AUOUST 19, 1992, betwlln John N, We.t end Cynthll J. W..t, own.r(I) In fl.
Ilmpl.. who.. Iddr'll I. 2001 Deer Pith Ro.d. H.rrllburg, PA 17110 (r.f.rr.d 10 b.low .. .Or.nlo'.); .nd
Ferm.,. Tru.t Comp.ny. who.. .ddr... I. On. We.t High Strllt, C.rUlle. PA 17013 (ref.rred 10 below..
....nd.,.).
or
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GRANT OP MORTGAGE. For velualll. conlld".lIon, G,antor grant., bargaln., ..II., convey., ....gn., lranar"., rel8lM.. oonllnnl end
mortgege.to Lender all of Gr.nlor'. righi, lilla, .nd Inl....lln .nd 10 lhe 100IowIng _bed real property, log.lher wllh all iIldltlng or lUOaequenlly
erecled or .Itbced buUdlngl, Improvemanll .nd lIxtur..: .11 Ilretll, 1._. lliayl, _g... .nd w.ya; all NHmenll, righll of w.y, .. 11bar1Iaa,
prtvileg.., I.",manll, haradlllmanll, .nd lllPurtenaraa lher.unlo belOnging or .nywlH m.de .ppurt.nanl herNtIer, and lhe .-.IO/lland
..malndP wllh r_llh..elo; all w.I.., w.... rights. w.larcouIIa .nd dllch rtghll (Including Ilock In utllllln wllh ditch or Irrigation rtghts); Ind all
other rtghll, royllllel, .nd proftll relallng 10 Ihe rNI proplrty, Including wlthoulllmllltlon.U mlner.I., oil, gu. geolhermal .nd IImllar /TIl"....loc.lld
I~~ County. Commonweellh 01 Penn.ylv.nl. (th. .R..I Property.):
... Exhibit A Iown.hlp:
The R..I Property or III .dd,... I. commonly known .. 111 North 30th Street, Camp HilI, PA 17011.
Gr.nlor p_nlly Ullgnalo L.nder .. of Gr.nlor. righi, tille, .nd Inl_lln .nd 10 .U In_ of lhe Property .nd all Ranll ~om lhe Property. In
.ddltlon, Gr.nlor grlnlllo Lender. UnI'orm Commercill COde HCUrity In.....lln lhe Peraonal Property .nd Ranll.
Dl!FINITIONS. TIle loIlowlng wordl .tIlJI have th. loll owing munlnga when uHcl In Ihll Mortg.g.. Ter",. nol oltlarWlH deftned In Ihll Mortgage ItIlJI
heve IIle munlnga .tI!1buted 10 luch lermlln the Uniform Comrnarcill COde, All ..fareraalo dollar .mounlllhall mun .mounllln lawful money 01
the United Sill.. of ArnarIca.
Grantor. .fhe word 'Gr.nlor" mun. John N. W... and Cynthll J. W.... TIle Gr.ntor Is Ih. mortglgor under Ihls Mortgage.
Guarantor. TIle word 'Gu...nlor" malnl .nd Includ. wllhoulllmllltlon. each .nd .11 ollh. guar.nIOll, surell.., .nd .ccommod.tlon pll1lalln
connecllon wllh the Ind.bladness,
Improv.m.nll. TIle word 'mproVlm.nls" munl .nd Includ. wllhoul IImllltlon .. WIling .nd fulure ImproVlmanls. lIxlur.. buUdlngl.
.truelur.. mobile homll .ttt.ed on the ANI Property, '.Clllllas, .ddltlona .nd other consltuctlon on lhe ANI Property,
Ind.bledn.... TIle word 'ndabled"..' maln. all prtnclpll .nd In_I p.y.bl. under lhe Nol. .nd .ny .mounts upended or ,dvancad by
Lender 10 dlacharge obllg.tlons 01 Gr.nlor or up.".. lneurrad by Lender to en'OIe1 obligations 01 Gr.nlor under Ihll Mortglg., logether wllh
In"'l on luch .mounts u provid.d In thll Mortgage,
L.nd". TIle word 'tend'" meanl F.rmlll Trusl Comp.ny, Its suc:cauors .nd Uligns. The L.nder Is lhe mortglgN und.. this Mortgage,
Mortgege. TIle WOld "Mortg.g.' malnllhls Mortg.g. belw..n Gr.nlor .nd Linder, .nd Includ.. wllhoulllmlllllon .M Ulignmanll.nd HCurtly
In"'l provillon. relating 10 lhe PlIIOnal Property .nd Ranll,
Hole. TIle word "Nol." malns Ih. promluory noli or credll .grNrnanl dlted Augu.1 19, lGG2, In the orlgln.1 prlnclp.1 .mount of
'110,800.00 ~om Gr.ntor to L.nder, log.lher with all r.new'" of. ext.nllonl 01. mo~ltlcatlon. 0', reftnanclng. 01. conlOlldltlo.. of, Ind
subltltullons 'or lhe promluory nol. or .0rMm.nt, NOTICE TO GRANTOR: THI! NOTE CONTAINS A V ARIAIlLE INTEIlUT RAn.
Pareonel Property. Th. wordl "PlIIonal Property" maln.U equlpmanl, ftxtur... .nd olher 1Irl1c1.. 01 parson.1 property now or harM"" owned
by Granlor. .nd now or h...."" .ttached or .""'ad 10 the ANI Prlllllrty: fogalhar with .U .CCISIlon., p.rts. .nd .ddltlona 10, .. replaoamenll 01,
.nd .lllub.lllullona 'or, .ny olluch property; .nd togelher wlln .U prOCMdl (Including wllhoulllmllallon .U Insur.nce prOCMd. .nd refundl 01
premium.) ~om .ny Ill. or olher dllPOSlllon of Ih. Property,
Proptrl'f, Th. word 'Property" mNns colllClIvaly lhe ANI Property .nd the PlIIonal Property,
R... Property. TIle word. ~ Pr .nd rights cIalcrtbed .bove In the 'Gr.nt 01 Mortgage' section,
R.laled Documenl.. Th. word. EXHIBIT Include wllhout IImllltlon all promluory no.. cradlt .gr_nll. loan
.grMm.nl., guaranllas, secunty .gr I, .nd .M olher Inslrumenll, .grMmenll .nd documanll, whet"., now or
herM"er ax'sllng, axac:ul.d In con --lr
R.nl., Th. word "R.nls' malns .11 , lneoma, IIlU... roy.IIIeI, proft.., .nd olher b.nelIlI det1ved from lhe
P,oparty,
THIS MORTGAGI!, INCl.UOING THE ASS SECIJAITY INTERUT IN THE RENTS ANO P!AIONA!. PROPI!ATY, II
GIVEN TO SECURE 11l PAYMENT OF THI! INOEBTEDNUS AND 121 PERFORMANCE 0' ALL OBLIGATIONS OF GRANTOR UND!A THII
MORTGAGE ANO THE RnATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTEO ON THE FOUOWING TERMS:
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MORTGAGE
(ConUnu.d)
Pig. 2
PAYMrHT AND PERFORMANCE. 1!Jlcep1.. olhe/WI" provided In IhII Morlgage. Gt.nlor .halI p.y 10 Land... all .moun.. _urad by ItlIa Mortgage
u lhey beco",. due, .nd .h.11 .lnclly perform .11 of Granlor'. obllgabonl under IhII Mongeg..
POIIIIIION AND MAINTENANCE 0' THE PROPERTY. Gr.nlor .g_ lhel Granlor. p_on .nd UN 01 the Pr~ .haJI be go_ned by lhe
100IowIng proVlllon.:
Pouaulon and UM. Unlllln d.l.ull. Gr.nlor m.y r.maln In p.....on .nd conlrol 01 .nd _.IQ .nd m.n.g. lhe Propllly .nd uolleallhe
Ran" 110m lhe Propll1y,
Duly 10 Malnlaln. Gr.ntor .hell malnlaln Iha Propal1y In I.nanlable condlbon .nd prompby perform lil rep.I.., repl.c:em.nla, .nd malnlanance
--V 10 pr.......11a v.lu.,
Hezardoua IUblIlIrIce.. Thel...m. "haurdou. wul.,' "hazardOlll .ub.lance,' "dlllpoae/," .,........ .nd 'hrul.nad r...... u UHd In IhII
Mortgeg., .heM heve lhe ume meaning. .. Nllonh In the Comprehe_ Enwonmenlal RalpOnN, Compenubon, and LlaIllllly Act 011810, u
.mended, 42 U.S,C, Section gee I , .1 Mq, ("CERCLA"), the SuparlUnd Amendmen" .nd Relulhortzabon Act 01 Ieee, Pub. L. No, 15-411II
("SARA"). the HaZlIrdou. M.lanal. T,.nlPor1abon Act, 4' U,S.C. Section 11101," Mq., Ilia Relourca Conaerv.bon .nd Recovery Act, 4' U,S.C,
Secbon 81101." aaq" or olher applicable .lal. or Fldnllawa, ruIel. or regulabOlll.doplad pUlluanllo .ny oIlhe loregolng, Chnlor repraaanta
.nd w.rr.n.. 10 Land'" th.l: (.) Dunng lhe partod ot ClI.nlor. ow.....hlp OIlhe Property, I...... hu been no UN, genar.bon. manUlllcture,
.Iorag., _Imenl, dllPouI, r_N or Ihrul.ned r.... 01 .ny tlaZlIrdou. wute or .ub.lance by .ny parIIon on, under. or aIloultlla Property;
(b) ClI.nlor hea no knowledg' 01, or ru.on 10 believe lhell".. hea been. exoept u prevloUlly dIlcIoaed 10 .nd acl<nowltdgad by Lander In
WIlbng, (I) .ny UN, ,.ner.bon, manulaclure, .Ior.g., ....Im.nl, dllpoul. ,_, or Ihrealaned r.... 01 .ny _doua wute or .ub.tance by
.ny prior ow..... or occup.n" ot lhe Prop.rty or (II) .ny aclual or Ihreatened Ill1gation or clalma ol .ny kind by .ny ptf10Il relabng 10 .uch
mallar1l; .nd (c) Except u prevlou.ly dlaclOllld to .nd lCknowtedged by Lender In wribng, (I) nallher ClI.nlor nor .ny tenanl, contractor. agenl or
olher .ulh_ u.... 01 Ih. Pr~ .h.b UN, g.".,.I., manufacture, .Ior., IIMI, dlapou 01, or '-N .ny tlaZlIrdoua wute or .ub.lance on,
under, or aboul lhe Propllly .nd (II) .ny .uch IICtIvlly .hell b. conducted In compliance Wllh .Iappllcabl. 1edaraI, .lala, .nd la IaWl,
regulation. .nd ordlnanc.., Including w1lhoulllmllabon IhOllllawa, ,egulabon., .nd ordlnancea _nbed .bove. Gt.nlor .ulhort_ Lender .nd
I" .g.n.. 10 .nl... upon the Prop...1y to mak. .uch InlPectiona .nd I." u Lender may dMm .pproprlat. 10 delermlna compliance ollhe
Pr~ wUh Ihls ucbon 01 lhe Mong.g.. Any InlPlCbon. or I." made by Lender .halI be for Lender'. purpoaea only .nd .helI nol be
con.lru.d to crute .ny r"llonlliblllly or lI.blllly on lhe part 01 Lender 10 Gt.nlor or 10 .ny other ptrIcn. The rep_nlabona .nd wlllTlnb.
conlalned hlIrIIIn ... b.Hd on Gr.nlor. due dlllg.nce In In_llgabng the Property lor tlaZlIrdoua w..Ia. G,.nlor hereby (.) r...... and wlivtl
.ny lulure claim. .galn.1 L.nd... for Indemnlly or conlrlbubon In the event Gt.nlor becomea liable lor clunup or olher COl" under .ny luch IaWl,
.nd (b) .gr_ 10 Indemnlly .nd hold h.,m.... L.nd... .lI4ln.1 .ny .nd all ClaIm., 1_, llablllllel, demag.., p.nalllal, .nd expe... which
Land... may dlrecby or Indlreclly .u.laln or .uHer 'Ilulbng 110m . breach 01 Ihls _bon 01 the Mortg.g. or .. . conaaquence 01 .ny UN,
g.nar.bon, manuf.cture, 'Ior.g., dl'POlllI, raIuM or IhrHI.ned r_ occurrtng prior 10 Gr.nlor'. owntrlhlp or Inl.....1 In tlla Property,
whelher or nollhe ..m. w.. or .hould h.ve bNn known 10 Gr.nlor. The provlllon. 01 fhle _lion 01 the Mortg.g., Including the obligation 10
Indemnlly, Sheb .UMV' lhe ",.ym.nl 01 lhelndllbledn... .nd the sallsfacbon .nd reconvey.nce 01 Ih. lI.n 01 Ihl. Mortgag. .nd .hlll nol be
.tlac:led by L.nder'. acqulllilion 01 .ny Inl.....lln Ih. Prop.rty, whelher by lortc!Olure or olharwiH,
Nul_., Wal.. Gr.nlor .heW nol ceUH, conducl or p...mll .ny nulunce nor commll, parmll, or .uH... .ny .lr1pplng 01 or wula on or 10 lhe
Pr~ or .ny pOtbon 01 Ih. Pr~, Speclllcally wllhoulllmllabon, ClI.nlor wIN not remo,"" or gr.nllo .ny olh... p.rty the righl 10 remove, .ny
bmber, mlner.1e (Including oIl.nd g..), .011, gr.vel or rock prod ucla Wllhoul the prior wrid.n cOnMnl 01 Lander,
Almoval ollmprovtmenla. Gr.ntor .hell nol demoll.h or remove .ny Improvemen" 110m lhe RMI Property wllhoutlhe pnor willian _nt 01
Lander. AI. condlllon 10 lhe removal 01 .ny Impro"man", L.nder may requlr. Grenlor 10 mal<. ....ng.",.nla ub.,actory 10 Lender to replace
.uch Improvemenla with Improvemenll 01 .11u.1 equal vliue.
Land..'. RighI 10 Ent... Land... .nd III .g.nla .nd repr_nlab_ may .nler upon lhe AuI Property ., ail rUlOnable bmea to .Iland 10
Lander's Inter." .nd 10 InlPecl lhe Propllly lor PUrpOHl 01 Gr.ntor. compliance wllh lhe terma .nd conditions 01 Ihls Mortgag..
Compll.nc. wllh Gov.rnm.ntal Requlrem.nla, Gr.nlor .hall prompby comply wllh all lawa. ordlnanctl, .nd raguleUon., now or harMft... In
.tlac:I, 01 .11 govarnmenlal .ulhonll.. .ppllcabl. 10 lhe use or occup.ncy oIlhe Property. Gt.nlor may conl..1 In good flilh .ny .uch law,
ordln.nce, or regullbon .nd wllhhold compll.nce dunng .ny proceeding, Including appropri.te .ppMI., .0 long.. Grantor hu nobfled Lender In
wnllng prior 10 doing so .nd so long .s, In L.nder'. sol. opinion, L.nder's Inl....... In Ilia Property .,. notj.op.'dlzad. Lander may require
ClI.nlor 10 pOll .dequ.te secunly or . .ur.1y bond. rHsonably sab.faclory 10 Lender, 10 prolecl Lendar'.lnl....1.
Duly 10 Prolecl. Gr.nlor .gr.. nellh... 10 .b.ndon nor Iuve unad.nded the Pr~, Granlor .haIl do .11 olher .cla, In .ddlbon 10 I"-lell
HI fonh .boveln Ihl. _lion, which 110m the char.cl... .nd use 01 the Property are rusonably nectsSlry 10 prolect .nd prtsarVllhe Proparly,
DUI! ON SALI! _ CONSrHT BY U!NDI!A. L.nder m.y, .111a option, decllf.lmmedlaltly due .nd p.y.bl. all.um. secured by Ihl. Mong.ge upon lhe
ute or Ir.n.'er. wllhoulllla Lend..... pr10r wrid.n con..nl, 01 .11 or .ny part oIlhe RMI Property, or .ny Inl"..1 In the RuJ Pr~, A..... or
Ir.n.1er" mu", the convey.nce of AuI Prop.rty or .ny righI, III1a or Inl_t lhereln; whelher Iagal or equllabl.; whelher volunllfy or Involunla1y;
whelher by oulrlghl ule, dNd, In.lallmenl ..Ie contr.cl, I.nd contract, conlracl 'or daed, IuHhold Inl.....1 with. I...m grul... lhan IhrN (3) ytsIl,
Iuaa-opbon conlrecl, at by sale, ...Ionmenl, or lrans'er ot .ny b.netlcialInler..1In or 10 .ny I.nd Iru'l holding IlIle 10 the RMI Property, or by .ny
olher method 01 conv.y.nc:tl 01 RMI Property Inl"..1. II .ny ClI.nlor Ie . corporlllon or part.....hlp, lran.tar lIlo IncludM .ny Chengeln ow.....hlp 01
more lhan tw.nty-"ve perc.nt (26'110) of the voting slock or plll1ntrlhlp Inl......., .. lhe ctII may be, ot Gr.nlor. Howev..., Ihle opbon ...... not be
.....cIMd by L.nd...II .uch ....else IS prohlbll.d by I.d..li law or by P.nn.ylvanle ltw.
'i!!I TAXES AHO LIENS, The following provillion. rellllng 10 Ih. tu.. .nd liens on lhe Pr~.re. p.rt of Ihl. Mortgag.,
~ Pl'fm.nl. Gr.nlor sh.1I pay wh.n du. (.nd In .11 .venll pr10r 10 delinquency) all tu.., payroll I...., specl.1 tu.., ......m.nll, w.ler cllltVU
_ .nd HWer __ ch.rg.. l.vIed .g.lnsl or on .ccounl of the Pr~, .nd shall p.y when due .11 claims for wort< done on or lor -
_ rend....d or matartll furnl.hed 10 the Propll1y, Granlor Sh.1I malnlaln the Pr~ IIN 01 .1I11.n. hevlng prionly Q_ or equal to lhe Intarlll of
... L.nd... under Ihl. Mortg.g.. ..c.pl 'or Ih.lI.n 01 lax.. .nd ......ments nol due, .nd .xc.pl.. Oltltrw'H proVIded In tn. IoIlowlng par'grlpn,
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- Righi To ConI.... Gr.nlor m.y w'lhhold p.ym.nl 01 .ny tu, ......menl, or claim In connecbon wllh . gOOd ,.lIh dllPul. over lhe obItQlllon 10
;;l p.y, .0 long .. L.nd.... Inl.....lln lhe Propal1y Is noljeop.,dlzed, II. lien am. or I. "led U . r.ull 0/ nonp.ymenl, Grenlor lhalI wilhln "ft..n
i:! (15) deys .Her lhe lI.n 11I1_ or, II . 'len IS "led. wllhln "IIaan (16) deys .,.., Grenlor ".. nollce 01 Ilia ftllng, secure lhe dlachlrge 0/ Ilia lien, or It
,eq_led by Lender. depOSiI with ~.nd... ce.n or . .uttlcl.nl corpor.te .urety bond or olher _urlly ..U,'.clory to Ltr'derln .n .mounl.uttlcltnl
.;.rt to dltcharg. the lien plu. .ny co.1l .nd .Hornays' f.. or other cllargtllhllt could accrue u . r..ull 01 . loreclOlure or ..II under thll IIIn, In
"" .ny conl.l, Granlor sh.1I d.f.nd ,lltIf .nd L.nder .nd shell sall.1y .ny .d_ludgmenl b.,or. .nforcemen' .galn.llhe Propll1y. Gt.nlor shell
at; fIlIma L.nder .. .n .ddltion.1 obllg.. ulld... .ny surety bond lurnl._ In the conl..1 pr_lnga,
Evldenc. 01 PllYm.nl, Gr.nlor sn.1l upon d.mlnd lurnlln 10 L.nd... sallll.cfory .Vldence 01 p.ymanl 01 Ih. I.... or ......men.. .nd .heM
.ulhonza Ih. .pprop"." Qovernmonl.1 olflel.1 10 dollvII 10 Lend... 81 eny lime . wnn.n slalom.nf 01 In. I.... .nd .....sm.nts .glintllhe
Property,
MORTGAGE
(Contlnu.d)
Pig. 3
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HoUce 01 Conalr\lCllon. (I1lnlor.IId no"'" L.nd.. .1....1 ftllMn (IS) deyo_ .ny woric I. commanoed, .ny __ ....1urnilIIed, or.ny
ma_ are .uppllad fo I". Property, If .ny mec:hanlc'.IIan. malerialmen'. Hen, or other lI.n could be -"<l on aocounl oIlhe woric. --,
or ma....... .nd I". COli ucaed. 15,000,00, Granlor WIll upon req_1 01 Lender 'uml.h to Lendal' .dV.noa ...ur..... ullllaclOlY to Lendar
lhat Gr.nlor can .nd WI~ p.y I". COli 0/ .uch Improvamanll,
PAOPI!ATY DAMAGE INIURAHCI!. The IoIlowlng prolllllon. rlll"ng 10 lnaurtng lhe Property are . part 0/ this Mortg.g..
Malnt.nance 01 Inauranc.. Granlor .ha~ procur. .nd maintain pollclea 0/ ftre Illlur.noa wllh .tandard iIlllanded cover.ge .~II on ·
rep'-menl bull lor lhe luN In.ur.b" valu. co_ng IlIlmpro_nll on lhe AeeI Properly In .n .mount .uttlcltnllo .vold oppIIcallon oIlny
coIlllurlnoa c:taUN, .nd WIth. .tandard mortgag.. c:tauaa In f.vor 01 landai'. Polldea.".. be wnltan by .uch Inluranoa compantaa and In .uch
form u mey be r~y _lab.. 10 Land.., Gr.nlor.IId dell..... 10 Lender oertIlk:a... 01 coverage Irom _h I..urw oontaInIng I
.IIpUllllon lhel cOIIIIlge WIll nol be cancelled or dlmlnllhed WlllIout . minimum oIlen (tOI dayo' prior wnn.n nollce 10 Landar, SIIOuklIlla Aaal
Properly .t .ny lime become locataclln .n ar.. dealgnalad by tile Olrector OIlhe F_e1 E"*DIfICY M.nag.menl Agency u . apeclaI ftood
llulrd ar.., Gr.ntor Igr_to obtain .nd maintain ,,-., Flood lnaurance, 10 lhe _nt,ucllllllur.nce il requl1ecl .nd il or beComea .vaJIlble,
lor the !arm 01 tile lOIn .nd for the lull unpaid prtnclpel blIlnce 01 tile lOIn. or lhe IlIUImum ~m11 01 Coverlge lhall. .vIlIable, wIlIclleWer .. ....
Application 01 Proceed.. Gr.nlor."" prompllY noUIy Lander 01 .ny 1_ or damage to lhe Properly II IIle "'malad coil of raplIr or
rep'-menl -.. 1500,00, Lander may mli<. proof 011_ II Gr.nlor ,alia 10 do 10 wilhln ftn..n (IS) deyo oIlhe cuUll,.,. WhelIw or not
Lander'. MCUrtly illmpalred. Landal' may, .1111 _lion, apply IIle pl'OCMdllO lhe reduction oIlhe Indabtaclneu. payment oI.ny lien Ilfectlng
lhe Properly, or lhe r.lor.llon .nd repair oIlhe Property, II Lander eleclllo apply the proceeda 10 r.IOIlllon .nd rapaJr. Gr.nlor ..... raplIr or
rep'- lhe damaged or dal~oyod Improvamanla In . manner ..llllactOlY 10 Lander. Lander .hell. upon ..1I.'acIOlY proof oIlUCh upendllure,
PlY or ralmburw Gr.nlor from lhe prOCMd. for Ih. reuonabl. COlt 01 rapaJr or ...Ior.tion " Gr.nlor II not In deI.ulf her.undal'. Any prOOledl
whlc/1 hava not been dlallUtHd wllhln 150 d.ya .n.. Iftair r_pt .nd which Lander IIU not commllted 10 lhe repair ot ...Ior.llon Ollila Prcparly
.tI&II be UMd tnllo p.y .ny .mounl owing 10 l.nd.. undal' Ihil Mortgag.. lhen 10 prep.y eccrued Inlar.l. .nd lhe remainder. II any. lIlIlI be
.pplled 10 lhe prtnclp.1 blllnce 01 lhe Indtbledn.... If Land.. hold. .ny pr_ .Itar p.ym.nt In full of lhe Indeblad_, .uch pr_ .haII
be paid 10 Granlor,
unexplred Inaur_Il..... Any unexpired Inlur.nee .hlIllnUIII 10 lhe _t 0', .nd p... 10, lhe purcha_ oIlhe Prcparly covered by IhIs
Mortgage 'I.ny lru....'. .... or olh.. .... hald und..lhe pro\'1llonl 01 thl. Mortgage, or .t.ny IorecIOlur. .... 01 IUCh Prcparly,
I!XP!HDITUAEI BY Ll!HDI!A. If Gr.nlor '.11110 eomply wllh .ny pro\'1llon oIlhll Mortgeg., or If .ny .c"on or proceeding II commanoact lhal would
matartally .ffecl Lender'. Inl...llln the Proporty, Land.. on Gr.nlor'. b.hall may, bul .haII not be requll.d 10. Iak. .ny action lhel Lender datml
approprta... Any .mounllhal Land.. exp.nd. In so doing w,lI bear In.....t .t I". ra.. charged under I". Nol. from I". de.. Inclll*l 01 paid by
Land.. to the dal. 0' rep.ym.nl by Gr.nlot, AIlluch ..p.n"".1 LanW. option. will (.) be p.yable on d.m.nd, (b) be .dded 10 lhe balanoa 011".
Nol. .nd b. apportioned .mong .nd b. p.y.bl. wllh .ny I""lallm.nl p.ym.nlllo become due durtng .lIhor (I) Ih. I..m 01 .ny applicable lnaur.nce
policy or (N) lhe r"",lnlng !arm of lhe Nol.. or ic) b. Ir..led .. . b.lloon p.ymenl which will b. due .nd p.y.ble .llhe No"'. maturi,." ThIs
Mortg.g.allO wiN MCur. p.ymant 01 II'.. .mounll, The righll pro\'1ded lor In Ihle par.gr.ph .hell b. In .ddmon 10 .ny olher righll or .ny remedial
10 which landai' may b. .ntilled on .ccounl of Ih. d,'.ull, Any ,ueh action by l.nder Shall nol b. cons~ued u curtng .he deI.uIIlO U 10 bar l.andar
from .ny remedy thalli olhllW'" would hava h.d,
WARRANTY; Dl!fl!HII! 0' TITLI!. The following pro\'1slon. rtlallng fo ownenhlp 01 lhe Properly are . plll of Ihl. Mortg.ge.
TlI... Gr.nlor warr.nlllhal: (.) Gr.nlor holds good .nd rnarlc.lable "lie 01 record to lhe Proporty In fee Ilmple, ".. .nd clUr Old IIena .nd
_umbrancea other lhan IhOM ... lorth In lhe Reel Proporty ~pllon or In .ny IIIIe Illlurance policy, III1e report, or ftnal tille opinion Iuued In
favor 01. .nd _lad by, landai' In connection wllh Ihle Mortgage. .nd (b) Granlot hU I". lUll right, pow.., .nd .ulhortty 10 uecu.. .nd daII.....
IhIa Mortgage fo Lendal',
Delen.. 01 TIlle. Subjecllo the _lion In the par.gr.ph .bove. Gr.ntor warrenll .nd will lor...... d.fand lhe tille 10 lhe ProparIy .geIn1llhe
lawful clalma of all paIlOIll. In the evanl.ny .ction or proceeding il commenced lhat qUllUons Gr.nlor'. tille or the In!ar.1 01 Lander under Ihls
Mortgage, Gr.ntor .haJI daMnd I". .ction .t Granlor'l up.".., Gr.nlor mey be the nominal pl1ly In .uch prOCMdlng. bul Lander lIlIlI be
.nlllled 10 partiClp." In the prOCMdlng .nd 10 b. repr...nlad In I". proceeding by cou..... 0' l.nder'1 own choice. .nd Gr.nlor will dell....., or
cau..lo b. dallvored. 10 l.nd.. such Inslrum.nll .. l.nder may req_t from time 10 lime 10 permllsuch p.rtlelp.Uon,
CompIIanct WIlli Law.. Granlor w.".nll lhat the Properly .nd Granlor'. u.. 01 lhe Proporty complies wllh .N axI.llng applicable IaWl,
ordlna....., .nd regulallon. 0' governmental .ulhonll..,
CONDEMNATION. The IoIlowlng provillon. reIlllrlg 10 cond.mnaUon of Ih. Prop.rly.re. p.rt 0' Ihl. Mortg.g.,
AppllcaUon 01 N.I Proceed.. If all or .ny plll 01 the Proporty II condemned by .mlnent domain P'OCIIldlngl 0( by .ny proceeding or purchue
In lieu 01 condemnation, Landor may .tlll alecllon requlralhat .11 or .ny portion of lhe nel proceedl Gllhe .w.rd b. .pplled fo the Indeblad"...
or I". rap.lr or r..for.1I0n 01 lhe Property, Th. n.t proceods 01 I". .w.rd Ih.1I mean lhe .ward IlIar p.ymenl 01 aI'aclUll COlli, _..., .nd
.norneya' ,_ or l.ndal' In connection wllh lha cond.mnal/on,
Pr_lnge. ".ny prOCMdlng In condemnation II ftled, Gr.nlor """ promp"y noti,., l.nd.. In writing, .nd Gr.nlor llIlIl promplly take luch
ltapa U may be _ry to def.nd Ih. .ction .nd oIltaln lhe .ward. Gr.nlor may be lhe nominal pl1ly In luch prOCMdlng, but Lender IIIlIl be
.nlllled 10 partlclp.l. In Ih. prOCeeding .nd 10 b. reprasonled In I". prOCMdlng by counsel 01 III own c~oIce, .nd Gr.nlor wiN dill..... or caUNItO
be deII.....ed 10 Lander IUC~ In.~umenllll m.y b. req_1ed by II from Umelo lime 10 p..mllluc~ partlclp.llon,
"'I
CI IMPOSITION OF TAXES, nrs AND CHARGES BY GOVI!ANM!HTAL AlITHORITtES. n. 'oIlowlng pro\'1slonl ralating fo go.....nmen... _.,..
~ .nd c~.rges are . p.rt 01 Ihl. Mortg.ge:
-
_ Curt.nt Tu... F... and CllaIge.. Upon '.qu..t by l.nd.., Granlor .halI uecult .uch documanll In .ddlllon 10 Ihll Mortgage .nd Iak.
_ wha....... olher action ,. roqu.led by l.nder 10 partlCl .nd conlin... l.nder'. lI.n on the R..I Proporty, Gran'or lhall r8lmbur.. landai' lor III
:::: ...., .. dMCnbed balow, 'OO.I~.. w,l~ .lIoxp.n_ Incu".d In recording. partecting or conllnulng Ihl. Mortg.g.. Including wllhoutllml..1IOn III
....., 1_, docum.nllry slampl, .nd olhor e~.rg.. 'or racordlng or regl.l,,"ng Ihle Mortg.g.,
'ru... The IoIIowlng IIlIJI conltilu" .... 10 w~lch Ihll leel/on applies: I.). apec111c IU upon Ihl. Iypa 01 Mortg.g. ot upon III or .ny plll 01
I".,ndabled.- _ured by Ihl. Mortg.ge: (b). IPeclllc'" on Granlor which Gr.nlor lI.ulhortllld or roqulrad 10 deduct ~om p.ymenll on lhe
Indabfedn_ MCurad by Ihl. typ. 01 Mortg.ga; Ic).... on Ihls ~ of Mortgage c.....g..bl. .galn.ll". l.nd.. or lhe hOldai' 01 lhe No": Ind
Id). _,lie LIll on all or .ny portion 0' lhe Indtbtedrllll or on p.ymenll 01 pnnclpal .nd Int....1 made by Gr.nlor,
SuDMquenl Tu... II .ny ... 10 which t~11 _'ion appllal," .nactacl lubaequent fo I". dale 01 Ihl. Mortgage. I".. .vant """ ha.. t'" uma
.., .. .n Evan' 01 O.f.ult 1.1 d.ftned btlow), .nd l.ndal' m.y ....c... .ny or .11 Of III ,v'lltble r.medl.. lot .n Evanl 01 Dalaull u provided
btlow unl_ Granlor 11th.. i.) p.yol~. lu b.for. 'I becom.. dellnqu.nl. or (b) coni." lhe ... U pro\'1ded .bove In the Tu.. .nd LIllIS
socllon .nd depOl"1 w'l~ l.ndor c.s~ or . lultlellnl corpor.l. lurely bond or other secUrlly ,,"s'.ctory 10 l.nd..,
..
MORTGAGE
(Continu.d)
PIg. ..
S1!CUAITY AGRI!I!MI!HTI FINANCING ITATI!MI!HTS. TIMt 'oIIow1ng prOVlllona r..Mng 10 Itlla Mortgege U. _unly .or""""''''' pari oIlhIa
Mortgage.
lIKurlly A......."I. TIll. lnatrumenl .1Il1l con.mull . MCUrlly 'grMmenlto the ut.nl .ny 0/ the Property con.Utulea nldurea 0If 011* pnonal
property, .nd LAnder .IIlU h.ve .U 01 the nghl. of. _ured plrly under the Unllorm Commercial Code u .mended from Uma 10 Ume.
llacurlly Inl.,.... Upon req_1 by L.nd... Gr.nlor .haII execut. nnanclng .lalemenla .nd ..... will...,., olher acUon II req_led by Lendar to
parfecI.nd eonUnue L.nder'. _unly Inl....tln IIIe ~II .nd "-onal Properly. In .ddlUon to rllCOldlng thl. MorIgaga In the ..... property
recorda, L.nder may, .1 .ny lime .nd wllhoul lurther luthOlilation from Gr.nIOlf, nle execUled counterparts, cop'" 0If replodUlltlona oIlllll
Mortgag. u . nnanclng .lat.ment. Gr.nlor Ihall reimbUIM LAnder rOlf .. __ Incurred In perfecting 0If conUnulng IIlII _UIIIy Inl.trell.
Upon dataull, Granlor ./IlJI ....mble lhe Pnonll Property In G man_ .nd .1 . p'- rauonably convenlenllo Gr.nllll.nd Lendar .nd make II
.VllIabI.to LAnder wllhln th_ (3) daya.lI.. rectlpl or wnll.n damand from LAnder.
Add,._.. TIMt IlIlIlIng .dd_ 0/ Gr.nlor (abtor) .nd Lender <MCurecl party), from which Inlormation co..-nlng the _unly Inl.trelt
W.nted by Ihle Mortg.g. may b. obtained (NCh .. required by the Uniform Commercial Code), are u .lalad on the "'-I p.ge oIltlla Mortgag..
ruATHlIR ASSURANCES; ATTORNEY-IN-FACT. TIle IoIIowlng provtalona ,..ting to lunller ...Ul.1lOM .nd .lIorney-ln-IlCI are I pari 01111I1
Mortgag..
FUrlher ANurenc... AI .ny timl, .nd from tim. to tima. upon rill_I 01 LAnder, Gr.nllll will mak.. execut. .nd claIIvar, 0If will caUN to be
fIIlda, _Uled or delivered, to Lender or to L.nder'. clalIg_, .nd wilen req_led by LAnder, cau.. to be nted, IIICOIded, relIIecI, 0If
raracorded, u the cue may b., .1 luch 11m.. .nd In .uch 0"'- .nd placM u Lender may deem approprtala, .ny .nd .. .uch mortgagaa,
dMdl or tru.t, _urily deedl. _urily .grHmlnll, nnanclng llatemenll. continueUon .latemenll. lnatrumenll 0/ lunller uouranoe, cartllIca",
.nd otller documenll u may, In the 101. opinion 01 L.nder, be -... III _rable In order to .ffectual., complete, perltict, continue, 0If
pr_ (.) the obllg.llonl or Gr.nlor under till Note, thle Mortgage. and the Rtlalad Documenla, .nd (b) the lien. .nd _unly I"..,.la
orul.d by Ihl. Mortglg. .. n..1 .nd prior lI.n. on IIIe Proplrly, whelller now owned or _lIer acqul..d by Gr.ntor. U.,.. prohlblled by law
01 .greed 10 the contr.ry by Lender In wnllng, Gr.nlOl llIllI relmburoe LAnder tor .U COlli .nd .lIp..... IncuITed In connecUon with tile mallel1
"fllrT.d 10 In tllla p.r.gr.ph,
AUorney-ln-l'IlCI. II G"nlor t.lI. to do .ny 01 th. Ihlng. ..,erred 10 In the p_lng pll.gr.ph, LAnder may do to lor .nd In IIIe nama 01
Gr.nlor .nd .1 Granlor'. up.n... For .uch PUlpooel, Gr.ntOl hertby I".vocably appolnla LAnder u Granlor'. .Uorney-ln-tact lor the purpoaa
01 making, _'lUng, dellverlng, nllng, recording, Ind doing .U olller tiling. u may be _ry or delllr.bl., In L.nder'. tole oplnlon. 10
lOCompll.h IIIe maUn r."".d fo In the prec.dlng Pll.gr.ph,
FU.l. PI!AFORMANCE. II Granlor p.yalllthft Indtbl.dneu when due, .nd olherWlM parllllml dthe obllg.tion. Imposed upon Granlor under this
Mortgag., Lender 1/IlJI execul. .nd deliver 10 Gr.nlor I sulllbl. satisfaction 0' Ihls Mortg.ge .nd sUllabl. .lal.m.nll 01 lermll1lUon 01 .ny nnanclng
llat.m.nl on nl. .vldenclng L.nd"'s _urily Inl....tln Ih. R.nls .nd tile Personal Properly, Grantor will p.y, II pl/mlU.d by .ppllcable law, .ny
rauon.ble termination lea u dllermlned by L.nd.. from limo 10 tlm..
DI!FALL T. e'Ch 01 tile IoIlowlng, .llh. option 01 L.nd.., shall consUluI. .n evenl 01 daf.ull ("Evenl 01 Dlf.ult") und.. Ihll Mortgaga:
Dlr.ullon IncI.bledn.u. F.llu.. 01 Gr.ntor to m.k. .ny p.ymenl when due on the Indtbled.,....
Dllaull on Ollltr peym.nl.. F.llu.. 01 Gr.ntor within the lime required by thle Mortg.g. to makl .ny p.ym.nl till IaxM or Insuranoe. 0If .ny
olller p.ymenl -...10 p..venl nllng of or 10 IHecl dlJcharg. 01 .ny lien.
Compllanc. Deraull. F.llu.. 10 comply with .ny otller lerm, obligation, covenanl or condition contained In thl. Mortgag., the Nol. or In .ny 01 the
Rallied Documenla.
II'lech... Any warr.nly, repr_nlation or Illt.ment made or turnl./led 10 Lender by or on behall 01 Gr.nlor underthle Mortgage, the Nola or the
R..1ad Documenla Is, or .1 the time mad. or furnlsh.d wu, tllM In .ny malerial r_l,
Inaolv.ncy. TIMt lnaolvancv 01 Grantor, .ppolnlm.nl 01 . receiver lOt .ny plll or Granfor'. properly, .ny lulgnm.nl lor the beneftl 01 credllOll,
the commencemenl 01 Iny proceeding und.. .ny b.nkruptcy or IntoIvencv I.ws by or .galn.1 Gr.nlor. or th. dlaaolution or termlnaUon ot
Gr.ntor'1 IIXlst.nce .1 . going busl.,... (II Gr.nlor Is . business). Elcceplto the ....nt prohlbll.d by f.dll.ll.w Ot P.nnsylvanla law, the dulh of
Gr.nlor (II Grantor Is .n Indlvldu.l) lito .h.1I consUIuI. .n eVlnl 01 D.t.UII under this Mortg.g..
Forecloaur., "e. Commlncem.nl ot foreclosure, wh.lher by Judicial prOCMdlng, Mil-help, repOSSMOlon or .ny olher method, by .ny credllor of
Gr.nlor .geln.t .ny of the Properly. How.ver, thll .ub_Uon lhall nolapply In the .venl or . good t.llh dlspult by GrantOt IS 10 lhe valIdlly or
rUSOnabltneu or the cl.'m which Is the bUll 01 lhe IOI'eclosure, provided thaI Gr.nlOt gl_ L.nder wrlUln nollce or such elaJm .nd IUlnl.tlal
r...... or . suraly bond 'or the cl.lm saUsf.ctory 10 L.nder,
Ir.ech or Olher AgrHmenl. Any bruch by Gr.nlor und.. th. terml 01 .ny other IgrHm.nl betwHn Gr.ntor Ind L.nd" 1IIalls no/ r.medled
wllhln .ny grace period provldld therein, Including wllhoutllmllahon .ny .groemenl concerning .ny Indtbl.dnoss or other obllg.tion of Granfor 10
Lender, whetller IIXlsUng now or '.111,
Ev.nl. A_ling GUllanlor. Any or 'h. procldlng .venls occurs wllh r-' to .ny Guar.ntor 01 .ny of lhe Indtbted.,... 01 .uch GUlIIlntor
dial or becomea Incomp.t.nt.
RIGHTS AND REMI!DIES ON DI!FALLT. Upon thl OCCUIT,nc. ot.ny evanl o,D,'.ult snd.1 .ny time ther..Uer, L.nder, ., lis option, may axarclao
.ny one or more 01 the tollowlng rlghls .nd r.mldln, in .ddll/on to Iny otller righls or ..medl.. provided by law:
Mcll.ral. Ind.bledn.... Subjecllo Ippllclbll lew, LInder slllll h.ve the nghl .1111 option wllhoul notlc. 10 Grantor 10 ..... tile .nllra
Indtbledneu Immedl.tlly due .nd p.yebll,
UCC R.medl... Wllh rnpecllo .11 or sny p.rt 0' th. Parsonsl Properly, LInder shall h.ve Illth. righls .nd ramldl.. 01 . llICured pllly undtr
lhe Unllorm Commercl.' Cod.,
Collec' R.n'" LAnder slllll h.va th. righf, wllhout nolk:e 10 Granlor, to ..... pOSSMOlon 01 the Properly .nd collecl fhe R.nls, Including .moun"
p..1 due .nd unplld, .nd .pply the nel procHds, 0_ .nd .bov~ L.nd.... COlla, .gllnlllhe Indebtedness, In lurlller.noe 0/ this rlghl. Lander
may require Iny I.nant or olher u.., ot th. Proptrly 10 mtl<. p.ymenla 01 ..nt 0If UIlI'" cIlroclly 10 Lender. lithe R.nlS are collected by L.nder,
then Gr.nlor IITevocably dMlgnalea L.nder U Gr.ntor's .Uorney-ln-'ac:t fo .ndorse Inslrumenll received In p.ymenl lharaoIln the name of
Gr.nlor Ind 10 negoll.l. th. same .nd collecllh. proceeds. P.ymenla by lananla or Ofller ...... to L.nder In raspon.. 10 LAnder's demand lhell
III1.ty the obllgahons 'or which lhe p.ym.nls .ra m.dl, whetller or nol .ny proper grounda tor the demand P1sled. L.ndtr may __ ill
righ" under Ihls lubp.r.gr.ph ..tiler In parson, by .g.n', or through. receiver,
Appolnl Rec.lver. LInder .h.1I h.va Ih. rlghf 10 h.va. rlCllver .ppolnted to ,.k. p_on ol.U or .ny p.rt or Ihl Proptrly, wllh the power 10
prolect.nd preMI'V' Ihl Properly, 10 operalllhe Property proc.dlng foreclosure or sail. and fo collecllh. RlnlS from th. Proptrly .nd apply lha
"rocltds, over and abovI lhl cost of thl rec,lver1hlp. agalnBt the lndebtedneu, Th. fecllver may serve Without bond If ".mlned bV law.
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MORTGAGE
(ConUnu.d)
pag..
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Lender'1 right 10 the appolnl"",nt 0/ a raver IhalI _I wllell_ or no/ the _nl vllue 0/ the Property uceecla the Indebled_ by a
aubalanllal .mount. Emplovmenl by Land.. IhalI nol dlaqUlllly. perIOn from .......ng u a ra.....
JudIcial ForKlOeU.... Lander may oblaln a jUdlclll dlCl_ 'oreclollng Gr.nlor'a InIlnalln .. or any part 0/ the Property.
PoaMMlon olllle PropIrtt. Forlhe PUlP_ of procurtng p..-alon 0/ IIle Property, Granlor tweby aulhon_ and .mpOWM any IUorne'I 0/
any coUll 0/ record In IIle Common_llh 0' Pannlylvanla or ai_'*', u aUOIllIY lor Lander .nd all perIOna claJmlng under or Itvough Lander.
10 lion an .g....menllor anllrlng In any compal.nt coull an amicable acUon In .jactmanllor p..-alon 0I11le Property .nd 10 appear lor and
con.... Judgmenl agaInll Granlor. .nd agalnlllll pnona cIlJmlng under or Ihrough Grlnlor, 'or the recoVIIY by Lender 01 pOlMlllort 0I11le
Property, wllhoul .ny llay ol_ution, for which Ihil MorIgag., or . copV oIltIII Mortgage VWII1ecl by .1fIdavll, IhalI be . luHlclant wanant; Ind
IIler.upon . WIll 01 pOlMlllon may be luu.d ,orthwllh, wllhoul.ny prtor wnt or prOOMdlng wlle_.....
NonjUdicial ..... II p.nnmed by appllcabl.law, L.nder /NY forecl_ G,anlor'lln".lln all orin .ny part ollhe Paraonel Property orlhe AMI
Property by nonjUdicial ult.
Dellcllncy Judgmenl. Lander may oblaln a Judgm.nl lor any daflcleney ,.malnlng In the Indebledneu due 10 Lander .1Iar appllcallon 0I1IiI
lIIlounll reoelvecllrom lhe aurcIM oIlhe righll provided In ItIII _Uon.
Tenancy .. IUlltranca. II Granlor remalnl In pou.llon oIlhe Property .1Iar the Property la told u provided aIlove or Lander oIIwwIIa
beco.- .nUIIed 10 pOlMlllon oIlhe Property upon del.ull 01 Granlor, Granlorlhall beco"", . Ienanl .1 auH..ance 0/ Lender or lhe purc_ 0/
lhe Property Ind lheN. al Lander'1 option. allh.. (I) p,y . rauonable renlal lorlhe UN ollhe Property, or (b) v_I. the Property Immedlalalv
upon Ih. demand 0/ Land...
Olher Aamedl'L Land.. IhlU heve all olh.. rightl .nd ...medl. provided In ItIII Mortgage orlhe Not. or .vallabl. at law or In "lUlly,
.... 01 the Property. To IhI ext.nt Ptfm'"ad by appllcabl. law, Granlor hereby wal... any and all righllo have the properly mara/laJIed. In
tllIICl~ng I" righ" and ramtdlH. Land.. Ihlil b. Ir.. 10 MIl III or any part 0I11le Prop"", log.tller or MParalaly, In one .... or by aeparelt
...... Lander ahell b. anlllled to bid alany public ..I. on 1JI or .ny portion 01 the Properly,
Holle. 01 ..... Land.. IhaJI give Grantor 'Nlonable nob ollhe Ume .nd place 01 any public ule 01 the Parlonel Property or oIlhe Uma .....
which any prtvat. .... or otller Inl.nd.d dllpOllllon 0/ lhe Pertonel Property it to b. mad.. Un.... olharwl.. ,equlred by applicable law.
reuonable nolloa ahall mIln notice given allMlt tan (10) deya belor.lhe time 0/ lhe ula or dltpollllon.
Walver; !Iecllon 01 R.medl... A wllver by Iny party ot. brMch 01. provlllon ollhll Mortgag. lhell nol constilul. . waiver ol or preJudlolllM
party'1 righ" otllerwlM to demand .trIcl compliance wllh thel provlllon or any olller provl~on. Election by Landtr 10 puraUll .ny remedy lhalI nol
exclude pursull 01 any olhtr rtmedy. and an _lion to meI<. axp.ndllur. or tak. acUon to perform an obllgaUon 01 Gr.nlor under ItIII Mortgaga
aH.. flllure 01 Grantor 10 ptlform lhall nol al1tcl L.nder'a righllo declare a delaulland ....cI.. III remedial undtr Ihil MorIgeg..
AUorney.' '..a; bpenaaa. It Land..lnltilutH any ault or acllon 10 .nforce .ny ollhe I....a 01 Ihil Mortgag., Lander ahell be .nUIIed 10 -
luch lum u the court maV adjudge rMlonabl. u .lIorn.ya' ,_ .1 Ir1aJ and on Iny appMI. Whelller or not any coull action illnvotved. 1II
rauonable _fIlM Incurred by L.ndtr that In L.nder'1 opinion are .-ry at any lime 'or the prolecllon oll.. In_lor lhe enlorcemenl 01
III righllatlall become a plIt ollhe Indebt.d_ payable on demand .nd IhalI b.... Int...1 from the date 01 axp.rvlllur. unlit raplld .1 the Nota
rale. Expen_ covered by IN. par.graph Includ.. wllhoulllmllaUon, hOW'ver aubjact 10 any IImlll under applicable law, Landar'lanorneya' ""
and iagll axp.nau wllelhtr or no/Iller. la a IaWlull, Including aHorneys' 1_ lor benkrupley proceedlnga (Including .Hor1a 10 modIIy or v_It
any aulomallc .lay orlnlunctlon), appuil and any .nllclplled pOlI-judgmenl coIIec1Ion urvk:ea, the _I 0/ _ching recorda, oblalnlng UIla
reporll (Including loreclOlura raporta), lurvtVcn' ,aporta. and apprelMl f_. and tllle Insurance, to the u1enl parmlllecl by applicable law.
Granlor lIao will p.y.ny court COlli, In addlllon 10 all otllar luma prOVIded by law.
HOTICI!S TO GRANTOR AND OTHI!A PARTIES. Un.... olllerwlse provided by applicable law, any nolloa under Ihla Mortgage atlall be In wrttIng and
IhalI b. .l1tcllve when aclually daIlvered or. II mailed, shall be dtamed .1Iec1lve when deposltad In the Unlled Sial.. maJlllrtt ctau. raglaltred mall.
puslag. prllllld, directed 101M addr_ .hown ".., IIIe beginning 01 Ihil Mortgaoe. Any party may cheng. lie .dd_ for no1IOlI under ItIII
Mortgag. bV giving formal wrtllan nolloa 10 lhe 01"" partl... I,9ICIlylng lhetllle PUfll_ 01 tile notice il 10 chenge the party'a .dd..... AI coplM 01
nollcel 01 'orlClOlura from the holder 01 .ny lI.n which hu prtortly 0.... thll Mortgage .halI be senllo L.nder'1 .ddr.... II ahown ".., lhe beginning
01 Ihls Mortgag.. For nollce PUfllOltl. Granlor agrMllo keep Lander Inlormed allll U.- 01 Grantor'. curr.nladdra...
MISCEU.AHEOUS PROVISIONS. The following mllcall.neous p,ovlllolllll.. part 01 Ihll Mortgage:
Amendm.nla. Thil Mortgao.. togelher wllh any Ralaled Documenll, consUlulallhe .nllra undarstandlng .nd agrMmenl of lhe pllllal u to 1M
manari III lorth In Ihls Mortgage. No all..allon of or .mendment 10 Ihil Mortgag. IhllI b. .Hecllve un.... given In wrtUng and lligned by lhe
party or p.rtIaI soughllo be chllged or bound by the a11er.llon or .mendment.
Appllcallte Law. Thla Mollgage h.. betn dlllvered 10 Under end _pled by Lander In Ih. Commonw.e1th 01 Penneylvan'" Thl.
Mortgage ahall be govamed by and conltrued In accordance wllh Ih. laW. ollh. Commonwaellh 01 P.nn.ylvanla.
Caption HeedIng.. Capllon hudlnga In thl! Mortgag. II' lor convenience PUfllOMl only and arl not 10 b. UMd 10 Interprel or define 1M
provlllon. of Ihla Mortgaga,
Merger. Ther. .hell b. no mllgll ollh. Inl"tll or ..tal. c,..ted by ItIII Mortgag. wllh any otller Int....1 or ..tat. In Ih. Property .t.ny Ume
held by or for the b.nlnl 01 Land.. In any capacity. wllhout the wrtll.n consent 01 Lind..,
Mulllpl. Peril... All obllgationl 01 Granlor undll thl. Mortgag. lheY be Joint and MVllal. and .U refll.netl to G,anlor 1...11 maan _h and
IVIIY G,anlor. This mMnslhllNch 01 the p.rson. signing balow Is ,eaponllble for all obllgallon.ln Ihla Mortgag.,
SeverllllllllV. II. court of comp.l.nl juri.dlcllon nnd. any provlllon 01 Ihls Mortgag. 10 be Invalid or unenlor_ble U 10 any perIOn or
clrcumltance, auch Mdlng IhaJI nol rend.. thai provision Invllld or unen,orcaable u 10 anv Diller pnona or clrcumsta".,... II IMtIbIe. .ny auch
on.ndlng provision .hllt bl dMmed 10 b. mOdln.d to b. wllhln the IIml.. ol.nlorcaablllty or validity; how.".,.. Illhe on.ndlng prOVIsion cannol b.
so modlned. /I shell b. slrickan .nd .11 01"" provision. 01 Ihll Mortgage In 1II olller r.peelS .hall ramaln v.lld .nd .nlor_ble.
Succ._. and AaeI~nl. Sublectlo the IImltatlonl slated In Ihls Mortgaoe on "Ina'" of Granlor'a In".I. Ihla Mortgege ahall be binding upon
and Inure 10 the benenl of tM parttea. thllr hairs. Parlonel rap,_ntaa_. sUCCMlOf'land Uliglll. II ownership of the Properly bacomaa_1ed
In . ParlOn olller lhen Granlor. Land... wllhout notice fo Grantor. may dMl wllh Gr.nlor'l aucc:euOtS wllh r....nce to Ihil Mortgage .nd lhe
Indebledn... by w,y 01 forbNrance or txtlnslon wllhoul ,_ling Granlor ~om IMobllgallonl 01 thil Mortgege or llablllly under 1M
Indebledneu.
Tim. II 01 Ih. l!uenc.. Tlm." 01 Ih. tlsenc. ,n Ih. perrormance 01 thl. Mortgag.,
Walvtrl and ConMnll, Landll ....11 nol b. dMm.d fo heva waived any righll und.. Ihl. Mortg.g. (or undll the Related Documanll) unlaU
such waiver I. In wntlng and Slgn.d by Landa" No dal.y or oml..lon on Ih. pa~ 0' Land.. In .."cl.lng any right ....11 op..al. u a walvtl' of
such nght or any other nght A wa'v" by any party 01 a proVlSlon ollhl. Mortgaga shail nol conslllul. a walvlI 01 or prejudlc' the party'1 righl
ii
~
....
,"
Q
-
MORTGAGE
(Contlnu.d)
Plgl .
oIharWlM to demand alr1cl complla'- wllh that provtlion or any oil.- jl(OvIIiOn. No prior walvw by ......., nor any courM 01 deaInCI ~
....... and Granlor, allall conaUlul. a waiver 01 any 01 LanWa righla or any 01 Granlora obliglUO/ll U 10 any rutin IranucilO/ll. We.-
_nl by L.nder la required In IhIe Mor1Qao.. Ih. granUng 01 auch c_1 by Lander In any 1"'18- ahai nol conaUlula conUnulng _110
llAlMquenllnatancM where luch co.-nlll required.
DHIIIT A. An uhlbll, UIIIId "'Ellhlbll A,' II altach.d 10 Ihla Mortgag. and by IhIe referenCe II made a part 01 thil Mortgage luat U If dlhe provIIiO/ll.
tarma and condluona oIlhe Exhlbll had been fully III forth In Ihil Mortgege.
IACH GRANTOR ACKNOWU!DGI!S HAVING READ AU. THI! PAOVISIOHI OP THIS MORTGAGE, AND IACH GRANTOR "GRUI TO ITS
Tl!AUI.
~l1M.f
n .W...
-IIIALI
x
1I~lIIdglld.lIIICl d.llvered In Ih. pra..nce 01:
X a.. .".~}.'J^-,-,C:L'
X L4.;t~ ~~
Wltne..
CERTIFICATE OF RESIDENCE
I herally certify. IIIaI the pr..11I add,... 01 Ih. mortgag... Farmera Trull Company. herein la 'T~:
On. Wa.. HIgh SI1.." CIr1I.... PA 17013
,I
:"(1~' .,.
;..~-"~~.w~.' .',".
I)' .~~h1 ~!, ,,:., ,:..:;.;' ~
..<.....~.... ',', '. ,.,'..~": '.
~ ... ~;~ , ''''', '~\.' '~ '
COUNTY OF ~1tvIt..L.T'-" I '. > .;~':io~:~'~
f/ . -;,'- .t,:~'#.~
On Ihla day before me. lhe undllB'gnad Notary Public. p.rsonally appeared JolIn N. W.. and Cynthia J. Wall. 10 m. known f,jo~~ Illdiyidu4li '
delCrIbed In and who ....ul.d Ih. Mortgaga. and acknowladgad IlIatllley &lgned IIle Mortgage u lhelr h.. and voluntary act andtlitci~,tlie.- '
and purp_ lhereln menlloned, . .
Glv.nU~hand~OIllClel"e1lhla /~~ deyol ~,(, '~. f;J.. . "
By ~ ~ ~ ".~ ' ~ /LL.-t:. ....J Raeldlng.' ~ J. - ~...." t-..<.L~ f7 /1-
Notary PublIC In and tor Ih. S"~ 01 f 4- My commlUlOn .xplre. U '
j711.
INDIVIDUAL ACKNOWLEDGMENT
STATE OF
L.AIII" Pfl'O (Im,"'<<. ;)1,111 (0)1 "' C,III."".... Stl"VlCe Group, Inc. AU rlgnle r".v'd.lf'A.Q20 weST IN.LNI
Al SEAL
lorraine J, Tl1lllna. Nolary Public
HarriSbUrg, D.1uP~in Counly
MyCommlsslon Expires ~CJ<J4
bll~' 111 U nrf 602
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.... ., ....... ,.' '" "'\
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'" .......... ,.' ,~r.< ... If
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7YLkL ',i/;jo f}.~k.~
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""'iI," ,,1,_.,",' (7'
EXHIBIT A
Borrower: JolIn N. Weal
c:ynlllla J. Waal
2001 Deer Path Road
HerrlaIlurg. PA 17110
LInder: 'annera Trual Company
Maln Olllce
One We" Hlg/lllr"1
Cartl"e, PA 170"
Thlelxhlbll Ala allllched to and by Ihla "',,anc. la macle a pall of each Deed 0' Tru" or Mortgage, deled Augu" II. lan, and _'M'n
eOllnKUon willi a loan or olhar "","el.. lICCommodallone between 'annera Tru" Company and JolIn N. W.a' and Cynlhle J. Walll.
ALL
THAT CEATAIN tract or par=.l ot Ilnd and pr.ml.... .itUlte
lylno and b.in9 in the Sorauqh.cf Camp Hill in the Caunty of
Cumb.rllnd and Cemmonw.alth of Pennsvlvania. mo". plrticul.rly
d..crib.d .. fallo~. to wit.
BEGINNING at a point on the .Ivt.rn lin. of North 30th Str..t.
which point of beoinninq is r.f.r.nced a di.tance of 120 f..t in a
north.rly dlr.ction frem the int.r..ctlon of the north."n 11n. at'
B.v.rly Aead .nd the .a.t.rn I1n. of Ne"th ~Oth str..t. and which
point 01 b.oinninQ i. also at the dividinQ lin. b.twe.n Lots
Nos. = and .. Black K on th. Plan of Lot. ".t."r.d to h.".inaft.r
th.nc. alon9 the ...t.rn I1n. ot No"th 30th Str..t. North 02 d.9r...
30 minute. W..t. a distanc. of bO f..t to a point at the dlvldinQ
lin. betw..n Lat. No.. 4 and e. Block K. en .aid Planl th.nc. .lono
.ald la.t m.ntloned dlvldinq 11n. and centlnuin9 throuQh plrt of Lot
No. '9. .10ck K on .aid Plan. North 17 d.qre.s 30 mlnut.. E..t. a
di.tanc. of 178.60 f..t to a point an the w..t.,.n liM. a1 Ilnds now or
form."ly 01 C.me Hill Scheol Di.trictc th.nc. .lonq .Ild lands.
South 09 d.or.... 2. mlnut... 12 ..cends. E..t. . di.tanc. of 60,44
-.f..t ~~ I coint at the dividlnQ lin. b.tw..n Lot. Nos. e and .. Block
K. on .aid"planl';-1:h.nc:e-'t"rQLto;,t!;c,rt 01 Let 11/0. 9, Block K and
centinuin9 alene; the dividinc; 1in""b-.tj;jii'iin'i:"d't.--IIici'.-:-""~/'ld 'b. Bleck IC.
on said Plan. 8euth 81 d.e;,.... 30 minut.. W..t. ~ diltanc. of 180.90".
f..t ta a pcint en the ...tern line c1 No~tM 30th Str..t. the plac.-
01 BEGINNING.
BEING THE SAME PREMISES which Alan L, Frese and Laura L, Hargrave, now
kQown as Laura L. Frese, husband and wife, granted and conveyed unto
John N, West and Cynthia J, West, husband and wife, by Deed intended to
be recorded simultaneously herewith.
THIS EXH'BIT A IS EXf:CllTED ON AUGUST It, ltl2.
~ 11 wd-
JolIn(N. eel
LI!NDI!A: __ ~
,_erlrruel comr"Y h _ ['
By: \ ' I (r-k'CIYl \ ~
AutllOf...., OfftCII ___.J
xC1nctt~ Cf. Cdt~t-
nl a J. Weal
"rAi,;
(SII!AL)
L.AII~ lP"O(lm.v.r 3. "(1:)'11:1 CiI'IIUnlt... Senile, Qrouo. Inc_ AUrlQt'lllr...",.d, I"'A.QIO WISTJN,L,NI
. t \ 10 ;,Ift GO:)
~,~' .
PROMISSORV NOTE
Borrowe,: JolIn N. wu.
Cyn.hl. J. W..I
1001 Deer Path Road
Harrtallurg. PA 17110
.nd do nolllmlllhe . Ilcablll 01 ttlll documenllo .n
Lender: 'lI'IIl.re Tru" Company
Meln Olllce
On. Waal High SI1HI
CarlleI.. PA 170111
-
Principal Amount: '110,800.00 DIle of Not.: Augult 1.. 1882
PROMIK TO PAY. . promlM 10 pey 10 'arm.r. Trua' Company ("L.nder"l, or order, In lawlUl mon.y 01 Ih. Unlled S"I.a 0/ AmIrlCa, III.
~'::" emounl 01 On. Hundred Ten ThOUMnd Elghl Hund,td , OCIIlOO DolI.a ('110,100.001. logelher wllh Inler.al on Ih. unpaid principal
. rrom AUgualll. llta, unlll paid In lull. Th.lnl.r..tral. will nollncr._ aIlov. 10.000,..
PAYMINT. SUblecllo any Plym.n. change a relUlllng Irom changaaln Ih. Indu.1 will pay IhlalOMln IICCOrdance wllh IIIe IoIlOWlng paym.n.
achtdul..
12 con_ullv. monthly paym.nla 01 '''7.05 .ach, Illglnnlng S.pt.mblr II. 1m, wlllllnler." calcul"ed on llle unpald
prlnclpalllalancea al an Inl.real ret. 015.750" per annum; and 2,. con_uUva monlllly paym.nllln Ih. Inlllll amount 0/
ml.ol .ach. beginning S.pl.mb.r II, I"~, wllh Inter.a' calculaltd on Ih. unpeld principal balanc.a el an Inlera""l. 01
11.500 percentag. polnta over Ih. Ind.x d.acrlbed b.low. My nnel paym.nl will be due on AUgua'", :1017 IIId will be tor
ell principal and accrued Inler..' nol y.1 plld, 10g.lh.r wllh any olh.r unpaid arnounl. under IIIla Not..
In...1 on Ihl. No" I. comput.d on a 30/360 .lmpl.lnler..1 buls: lhells, wllh the exception 01 odd diva In IIIe tItlt payment period. monthly In...1
Ie oeIcUllIed by applying Ih. ,.110 ollhe .nnulllnlar..' 1.la over . \'MI 01360 diva, IIm..lhe oulalandlng princlpll bllance, Umea a month CJl30 diva,
In.nllor lhe odd dava I. calcul.l.d on lhe ball. 01 the .clull diva to lhe next fUll monlh and a 3eG-day year. I will pay Landat ., LanWI add,...
.hown aIlove 01 al .uch olh.. pl.ce uLand.. m.y d..lgn.la In wnting. Unl... otherwi&e agreed or required by applicable law, p.ymenla will b.
applied "ratio .ccrued unp.ld Inl....I. th.n fo principII, .nd .ny r.malnlng amounllo .ny unp.ld colleCtion COlla and Ia.. chargn,
VAAIAIIU! INTI!AEST RATE. Th.lnler..1 ,.t. on Ihls Nol. Is sublactlo changa ~om 11m. 10 lime bued on cheng.. In In Index which Ie the Monthly
aVllllga 0' w....ly .verag. aucllon ,.1.. on Unllad 51.111 T,usury Bill. wllh a malunly 01 Illl month.. (the 'ndP"), You, Inter..t ,... will nollncr_
or dIcr_ If a cllange In Iha Index I. I... th.n one-qu.rter parc.nlaga polnl on .ny cheng. d.t.. Lander wllllall me the cUlTlntlndax .... upon my
IIQUIII. I undaraland tllal Land.. may mlila loan. b.sed on olh.. r.I.. as well. The Inler..1 ,.Ia cllang. will nol OCCUl more oftan lhen _h \'MI.
Th. Indlx cu".nlly la ~.3IO'lIo per ennum. Th. Inl.,utlll. or ,.1.. to be applltd 10 Ih. unpeld prinClpel balance 01 Ihla Nota will be lhe r.t.
or "'" ..I lorth aIlov. In Ih. "peym.nl" Mellon. Nolwllhltandlnll any olher provlelon 01 thla Not., aner Ih. nlll paymanl 1IlrNn1, Iha
Inter." III. lor .ach aubaaqu.nl paym.nl .1..lm will be .".cllv. .. 01 th. 1..1 paym.nl dat. 01 lha IUII..ndlng paymenl Mem.
Holwllh.....dlng .h. foregoing, Ih. varlaCt. Inl...11 r.l. or r.IU provld.d lor In lhla Nol. will be aublec' 10 Ih. following mulmum III..
NanCE: Undat no cltcumslanc.. will tha Inter"t I.tl on Ihls Noll b. mora Ih.n Iha ...... 01 10,000" per .nnum or the maxlmum .... ..owed by
applicable law. Nolwllhslandlng Ih. abova provisions. th. maximum Incruse or dacre... In Ih. Int....t ,.1. .1 .ny one time on thl. loan will nol
exceed 2.000 percenlall' polnls. Unl... waived by L.nder, any Incre_ln Ihalnleru' rata will Incre...Ih. emounta 01 my paym.n....
PREPAYMINT. I ag'Nlhal.1I loan f_ .nd olh.. prep.ld "nIne. charg.. ar. MIned lully.. ollhe da.. 01 lhe loan .nd will not be sub)ecllo relund
upon Mrty payment (whalh.. volunlary or .s a rllult 01 dafaull). .xcapt u olharwlse ,equlred by law. Except lor lhe loregolng. I may pay without
penally aM or . portion 01 the .mounl owad aartl.. th.n It Is dU', Earty paymants will not. unlela agreed to by L.nd.. In wnllng, relieve me ot my
obligation 10 conllnUl to make p.ymanla undarlh. p.ym.nl sch.dul.. Rather, lhey will reduce th. prtnclpel bllance due .nd may ,null In my making
r.wer p.yments.
LATI! CHARGE. lIa paym.ntls" deya or more I.t., I will b. ch.rgad 5.000'110 01 th. regularly acheduled paym.nt.
Dl!FAlI..T. I will b. In d,'.ulllf .ny 0' lhe lollowlng h.pp.n" (.) I lalllo make .ny paymanl when due. (b) I br.... any promlae I heve made to
Landat, or I f.lllo parlorm promptly .llh. 11m. and slr1clly In the m.nn.. p,ovidld In Ihll Nol. or any .1I_manl rel.,ed 10 Ihls Not., or In .ny olher
all/Nmenl Of loan IlIave wllh L.nd... (c) Any represenlallon or slat.manl mad. or lurnlahlld 10 Lander by me or on my bahelfl. IlIse or mlaludlng In
.ny ma~ raapecl. (d) I dl. or bacome Insolvanl. . ,_ve, Is .ppolnled lor .ny part 0' my p,operly, I maka .n aulgnment for the benefit 01
crtdllOll. or .ny p,ocNdlng Is comm.ncad tither by m. or all.lnsl ma und.. .ny b.nk,uplcy or InaoIvency lawa. (.) Any cr.dllor Irtaa 10 lli<. any of
my properly on or In which L.nder hU a lI.n 0' sacurlty Inler..t, m. Includ.. . garnlshm.nl 01 .ny 0' my .ccounta wllh Landat. (I) Any 01 lhe
eventa deliCnbed In Ihl. dal.ull section occurs with raspacl fo any gu.r.nlo, 01 this Nota.
Ll!NDI!A" RIGHTS. Upon d,'.ult. L.nd.. m.y daclas. Ih. .nllre unp.ld pnnclpll b.lance on Ihls Nola and .11 .ccru.d unplld Interastlmmildlat.ly
due. wilhout notlc.. and Ihan I will pay lhel .mounl. L.nder m.y hire or pay som.one else to h.lp colleCllhls Nola If I do nol p.y. I eIIo will p.y
Lander lhel .mount Thl. lnelud... sublr.l to .ny IImlls und.. .ppllcabl. law, L.nd"'s attorneva' ,_ .nd legll axpan_ wh.lher or noli".,. Is a
"waUlI, Including attornava' f_ .nd leg.lllpans" for blnk,uptcy p,oceedlngs (Including ."arts 10 modify or v.cal. any .utomatlc slay or InJunction),
appMll. .nd any .nllclpalad pOll-Judgm.nl collecllon services. If not prohlbllad by .pptlcabl. I.w. IlIso will pay .ny court cOlts. In .dd/lIon 10 .11
other sum. p,ovided by law, II Judgm.nll. .nltr.d In connection with Ihls Nol.. Inleresl will conllnua 10 accru. on thla Nol. .fter Judgmenl atlhe
In...t r.te .ppllcable 10 Ihls Nota al Ih. lima judgm.nl Is .nl.r.d, Thla Nol. hu bien dallvered to L.nd.r and accep.ed by L.nder In Iha
Commonw.allh 01 P.nn.ylvanla. II.h.re II . lawlUlI, I agre. upon L.nder'a raqu,,' 10 aubmlllo th'lurlldlcllon 01 Ih. courta 01 Cumberland
County, Ih. Commonwullh 01 P.nn.ylvanta. Thl. Nola sh.1I be gov.mlld by end conatrued In ecco,dance with th. lawa 0/ the
Commonw.alth 01 Pannaylvanl..
RIGHT 0' SETO'F. I grant to L.nd., a conlr.clual pOSltssory secunty 'nltrtst In. Ind h...by .sslgn. convey. d.llv... pladg., .nd tr.nsferlo L.nder
.N my nghl, tllla and Int....1 In .nd 10. my .ccounls Wllh L.nd.r (wnelher chack,ng, sevings. or some olher .ccount), Including wllhoulllmil.ttion .11
accounta held loIntly wllh someona .Ise .nd all accounts I may op.n In tha tutur.. excludlnll hOw,v" .11 IRA, K.OIIh, .nd I,ull .ccounts. I aulhorlZl
Land.., 10 tha .xtanl p..mlll.d by appllcabl.law, 10 charge 0' 181011 all sums oWing on Ihls Nole .galnsl.ny and all such accounts,
COLLATI!AAl.. Thla Not. Is secured by. Mortg.ge dated Augusl19, 1992, to Linder on ,ul P,op.rty local.d In County, Commonwlllth
0' P.nnsylv.nla. alt I..ms .nd condlllonl 01 wnlch are h.reby 'ncorpnrlled and m.de a part of Ihls Not.,
-EJ(~B'T
1~
.......
PROMISSORY NOTE
(ConUnu.d)
P... 2
OINIRAL PROVIIION.. Lander may delav 01 forgo enIorolna any ollie rig"" 01 remU'. under 1'* Nola wtthouIloIIng 1lIem. IIIIllI any --
peIIOI'I whO ligna, gunn_ 01 and~ ItIIl Nole. 10 .Ile ulenl aIowed by law, weIW _ImenI, derNnd '01 payment, proIIllllllll nolIae 01
dIIlIonor. Upon any 0"'" In ilia ...... olltlll Nole, .nel u...... 01_ __ Ilalad In WIllIng, no DIIlv whO IIgnalllla Nola, wnau.. maIlar,
guarantor, _moclalon IIIIl<ar 01 and....,.haII be ,-.eel from liabiiity. '" luoll partIea ....IIleI LeiNlar may _, ..-nd (..~..'ed'y IIIllI
lor any ....111 01 lmel 01 moclIty IhIs loan, 01 ,.... ."y parly or guar.nlor 01 oollateral: 011"""", 11III10 ,..... upon 01 parleoI Landar'I MOIII\y
InlnM In ilia ooIIa..e1:.nd I.... .ny oilier action deemed nee........ by l_ wtllloutllle o~ 01 01 notICe 10 anyone. 'nIe obIIglllOna under IIIIa
Nola are jOInI ancl-.l. TIlIt.-nl IIIalllla word. '., 'me., and 'mY" .-n _llanelli 01 tile partON lIDning beloW,
"'lOA TO IIGHING THII NOTI, I, AND lACH 0' UI, ilIAD AND UHDI!AITOOD ~ .,.. PROVIIIOH. OP THII NOn, INCLUDING THI
VAIIIAILIlINTl!AIIT E PROVIIION.. I, AND lACH 0' U', AGREE TO THI TI!AMI OP .,.. HOTI AND ACKHOWLlDGI AlCIlPT 01 A
co N071.
LA"" PfltO (Iml v", a.,. tc>>, H' C,I Iwt... SInIltt Group, InD, All rlgf'lll r.t...t...,,t,.DIO WilT .IN.L'-'I
(Irk,
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
, - -
TO:
lIt., :: .:. : I'fl ~. ":.
\ 11 ~~. .:Ltl: ..it.
-:dl.:'lIlllcJl, ,'" \',(;11
"'J '0'
Data of Nollea _~! - I."
LOin No. ~~.~_:JJ ~
The MORTGAGE held by l';'L:-:,-r:' -;'~,:,t -:,-::~".r:',', 1 IVd": ill"" :.itrc-t,l, '~;'.l"~l:':' , l'.\ 1,(11
(hereinafter we, us or ourst on your property located at 111: I. :n;.:.it. , C;,:..., :i1 L , :.,,-, ",r: 1 '
IS IN SERIOUS DEFAULT because you have not made the monthly payments of $
for the months of ,., :r~l " ~"I ,and
end/or because
Late charges and other charges have also accrued to thll date In the amount of $~'i... '; '. . The total
amount now required to cure this default, or In other words, get caught up In your payments, al of the date of this
letter, is $ :" ' : "'. ~ r
You.ml/Y cur~ this default wirhin THIRTY (30) DA YS of the date of this lerrer, by paying to us rhe above~moun,t
of $ .., . ; ';, I " _. plus any additional monthly pavments and Idte charge which may fall due dUring thiS
period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at
"""""(1""-:- ''',..-"... ,',"'1'1'"','1""'., 1~. 'fi-,; :~. . Rr."!1r.il), ~Jr-\ ~'7C1-:
. . .
7:- I,. t....
. ; l~ i".\ ;
If you do not cure the default within THIRTY (30) DAYS, we intend to exercise our right to accelerate the
mongege payments. This means that whetever il owing on the original amount borrowed will be conlldered due
Immediately and you mey 10le the chance to payoff the original mortgage in monthly Inltallments. I f full payment of
the amount of default II not made within THI RTY (30) DAYS, we also intend to instruct our attorneys to start a
lewsuir to foreclose your mongaged property. If the mongage is foreclosed your mongaged propeny will be sold by
the Sheriff ro payoff the mortgage debt, If we refer your case to our attorneys, but you cure the default before they
begin legal proceedingl against you, you will stili have to pay the reelonable attorney's fees, actually incurred, up to
$60.00. However, If legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
if they are over $60.00. Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs. If you cure the default within the thirry day period, you will not be required to pay attorney's fees.
We may also sue/ou personally for the unpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale at eny time up to one hour before the Sheriff's foreclosure sale.
You may do so by paying the toral amount of the unpaid monthly pllyments plus any late or other charges then due,
as well as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require.
ments under the morrgage. It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximately:, ",r 1 c'Ok . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you walt. You may find out at any tim~ exactly what
the required payment will be by calling us at the following number: "4 '- ,:; 1') . This payment must be in cash,
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to ramain
in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rrghts to help protect your interest in the property. YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CiRCUM-
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHAL.F, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FOR
NtF fldv : 'J t101 t'il~'''HI
EXHIBIT
'h
red to the same position as if no default had occurred, However,
more than three times in '![Iy calendar year,
If you cure the default.
you are not entitled to this
Bv
, ,
;., ! ' " '
-'.
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
,
TO: ...:'.r:~:~J..t.~. ';..,:~.;.
: 1 'I 'J.. (I.... ~ ;t'-.
~:~T:~ :itjl, 1:):\ 1701 ~
N ,;,/' 1:/ ':\4
Oala of ollca -___.:.--'--___
LOin No,_.li,I;(',-~~\,~_
The MORTGAGE held by ''',-,.y" '''''.''''''''''''''.1
(hereinafter we, us or ours) on your properly located at 111
'.';~'c-.r q'f..;tMrr..'L. ~"t".l.,. J1;\ '~;'-\1-.
" . \, ,""I- 1 .. J' l)" 1 I'"
,j. .::.iL.~:"I,.. l...~) 11 -to. .'\ -:-, ,
IS IN SERIOUS DEFAULT because you have not made rhe monrhly peyments of $ C" ". ::~
for rhe months of "",.' , ----110;." ,Bnd .r, ::t.
lind/or becBuse
Late charges and other charges have also accrued to this date In the amount of ~:~ 'i ~ , ." . The total
amount now required to cure this default, or In other words, get caught up In your payments, as of the date of this
letter, Is $ _,. c ~, 1 c
You may cure this default within THIRTY (301 DA YS of rhe dete of this letrer, by paying ro us rhe above amount
of $ - ,. -; c . ;,' , plus any additional monthly payments and IlIre cherge which may fell due during this
period. S~c~ paym,?nt ~u~t b~ ~.ade elthe.~ bY, c~~~, ca~l~r'sc ~~ec~J cer!.lfie~ check or money order, and made at
. :'..,l:::~ .tt.;,:'.~ ....l"!.7t'-,.!.-, 1 .le .J.l<",. ,)1., Sdlll.~.H;;, .A . ,01. .
If you do not cure the defeult within THI RTY (30) DAYS, we intend ro exercise our right to acce/erare the
mortgage payments. This means that whatever is owing on the original amount borrowed will be considered due
Immediately and you may lose the chance to payoff the original mortgage In monthly Installments. If full payment of
the amount of default Is not made within THIRTY (30) DAYS, we also intend to instruct our artorneys to start a
lawsuit to forecloso your morrgaged property. If rha mortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If we refer your case to our attol neys, but you cure the default before they
begin legal proceedings against you, you will stili have to pay the reasonabla attorney's fees, actually Incurred, up to
$50.00. However, If legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
If they are over $50.00. Any attorney's fees will be added to whatever you owe us, which may also Include our
reasonable costs. If you cure rhe default within the thirty day period, you will not be required ro pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage.
If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still
have the right ro cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale.
You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due,
liS well as the reasonable atrorney's fees and costs connected with rhe foreclosure sllle and perform any other require.
ments under the mortgage. It Is estimated that the earliest date that such a Sheriff's :;ale could be held would be
approximately .'.-r". j c (.~. A notice of the date of the Sheriff sale will be sent to you before the sale. Of course,
the amount needed to cure the default will increase the longer you wait. You may find out at any time exactly what
the required payment will be by calling us at the following number: ~43-1212 . This payment must be In cash.
cashier's check, certified check or money order and made payable to us at the address stated above.
You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. If YOll continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you.
You have additional rrghts to help protect your interest in the property. YOU HA VE THE RIGHT TO SE LL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR
TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL
ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND
ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE.
MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM.
STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY
THIRD PARTY ACTING ON YOUR BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE
PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLOSURE,
/I VOU ClIre the default, the mortgage will be restored to the same position as if no default had occurred. However,
you are not entitled to this rrghtto cure your default more than three times in.any calendar year,
I , I
Bv _._--=dl:...~~.-.!:~,-L_~ _.___ . ____~_.
01,1"
NIF Hl!\I .' 'J tl-1 I.."....'
.'
, ,
IMPORTANT: NOTICE OF HOMEOWNI!AS' EM!JIlGINCY MORTGAGI AIIISTANCE Acr 0' I""',
P1.!AllIIlIAD THIS NOTICE. YOU MAY BI ELIGIILE 'OR ,.NANCIAL MIISTANCI TOWAIIO YOUI'I MOI'ITGAGI PAYMIHTS.
I'll: Accounl No, : I,()U;~a7 0...: b/"~/t.
TO:
FROM:
,:~..:n:j. 1I1'~'.., I'. ih "Cti
.t', r:. ~';.l~..r. ,:.:;~"':H~'.', 1
, ~.. .. ',' ~ l: "t ~
,1-: r- ::)(11
111:', .'A I~Tll
,il-r' t...t. ,',\1.' 1 :....'...pr...
1~ 1,1 -
You, mOllg.g./.ln ..,Iou. d./.ull bee.uN yau h.ve I.llad 10 p.y p,omplly In.,.llmanl. of p,lnclp.'.nd In,....,. .. ,aqul,ad, 10' a
1II,lod 0' at I..., .I,ty (10). ~..y., Th. 101., .mount 01 Iha d!!l.nqu.~cy I. .. : . "c' . 1 C , Th.! .um ,'~clud'. tha following:
'.1.:..'':''':' ,~:,. ~.f..:: ~ /......,...., .""l"r~t " I......'. d'( iur,', -.\~", !.... (Jr._.,. -'''l t"',
, I,~, l. : I, t- . _ .
" - , -. .
You, mortg.g'I' alao In d.f.ull fo, tho following ....on:
(UNlhl. par.graph only I' .ppllcabla)
You m.y b. .lIglbl. 10' IIn.ncl.,...lll1nce Ih.' 11I11I p"..n' ro,ee/a.urt on you, mOllgaga " you comply with Ih. plOYl.lon. 01 Ih.
Hom.owna..' Emargancy Mortg.ga AIlI,'.nca "cl of 11113 (Ih. "ACI''), You m.y be .lIglbl. lor am.rg.ncy lampo..ry u.,.tance" your
da'.ult hu bean c.uNd by cl,cum.tanc.. beyond your cont,ol, and" you mHllha allglblllty requl..m.nl. a' th. Act.. dat'/lnlnad by
Ill. P.nn.ylv.nla Hou.'ng 'In.nee Ag.ncy, Pl.... rt.d .11 01 Ihl. NOllco. 1/ conllln. .n upl.n.llon 01 yau, "ghll.
Und..'ho Ae'. you 0" on'lIIld 10. IImpo,ary lI.y al lo"c/OlUrt on you, mOllgag. 10' Ihllly 1'0) d.y. I,om 'h. d... or 'hi. Nolle..
Du,lng'h.. limo you mu.' .".ngo .nd .II.nd . "I.cO-IO.I.co" moollnglllllh a "prt..n'.II.. or Ihl. lond... or IIIIIh . dOllgn..ed
eon.um.. c"dll eoun."lng.g.ney, Thl pu,po.. 01 Ihl. milling I. '0 .""mp'10 lIIo,k oul a "p.ymln, pl.n. 0' '0 a,ho,..,l" ""'I you,
dlllnqulney, Thl. mHllng mull Gecu, In Inl nu' 'hillY ('0) d.y.,
"you alllnd a f.ce-IC>lace milling with thl.,.ndor, 0' with a con.um.. credit counNllng .g.ncy Id.nlllled In thl. notice. no fUllhor
proceeding. In mortgag. lorecloau.. m.y tak. pl.ca for Ihllly (30) d.y. allar tha d.ta 01 Ihl. mHllng,
Th. nam., add.... and lal.phon. numbe, 01 our ..p....n..llv. I.:
.J'c.. J. ilj,:~r 'ET
, , '
". .l~~:. ,...t.
''';..l'J.lt-:lj.~,at.;.. l~(;l;.
T"lpnon. Number. .,. - ~ J -
T!'~ n~ma(.) .nd .dd"u(H) of (.) dHlgn.'ed con.umar c,adlt counMllng .g.ncy(IH) I. (...):
':"""\
~(;i J ,:t::,-,_tt
"';,'l'l.:...~,-, ..);. ; .'l ,.;
Itla only nec....ry 10 .chadu', onl f.ce-to-fac~ mHtlng, Yau .hould .dvIMthl.l.nder Immadl.t.ly 0' you, Inlanllon.,
"you havatriad .nd a.. un.blllO ...olv.thl. p,obl.m at 0' aller you, I.ce-to-Iace mHllng. you h.v.th. "ghl to .pply fo, IInancl.1
UlI.tance f,om Ih. Homeowner.' Em.,glncy MOIIg.O' Aul.'ance Fund. In o,d., 10 do Ihl.. you mu.t fill oul. .Ign .nd III. a complatad
Homeown...' Emerg.ncy A..I.t.nc. Appllcallon with on. 01 the dl.lgn.,ad con.umar credit counMllng ag.ncla. lI.tad .bav., An
appllc.tlon fo, ...I.tance may only be obtalnad I,om . con.umer c,adlt coun.allno ag.ncy, Th. con.umer c,adll counNllng ag.ncy
wll' ual., you In IIIl1ng aUI you, .ppllc.llon and will .ubmlt you, compltlad .ppllcatlon to Iha P.nn.ylv.nla Hou.lng "nance Agancy,
You, appllc.llon mull I>>/111d 0' (XlIlmerked IIIlIhln Ihlrty 1'0) d.y. al yau, I.ce-Io-Iaco mHllng,
IIl1urrtmlly Import.n, In., you 1111 you, .ppllc.llan p,amplly. II yau da nor dO 10.0' It you do no' lallolll'hl Olhlf 11m. p..,od..1I
lallh In Inl. IIIIIf, loreclOluII m.y P'OClad .galnll you, homl Immldl.llly .nd you 11I11I ro"III yau, IlIglblllry 10' .../II.nc..
Avall.bl. lund. for .merg.ncy mortg.ga ..al.tanc. "' v.ry IImltad, Thay will be dl.burNd by Ih. Ag.ncy under tha .lIglblllty
criteria n..bll.had by the "ct
III. u'rtm.'y Impallan"h.' you, .pplle.llan I. ,.CU,tI. .nd campi." '" .../)' lI.pocr, Th. Pann.ylv.nla Hou.'ng Finance "g.ncy
h.. .I,tv (eo) d.y.to m.ka . deel.lon .Iler Itllcalv.. you, .ppllclllon, Du,lng that .ddltlon.1 tlm.. no to,eelo.ur. p,oceedlng. will be
pu..uad ag.ln., you" yau n.v. mtllh. tlmo ,aqul..m.nt. MI lorth .bova, You will be noll/lad dlreclly by Ihat "g.ncy 01 It. deel.lon on
your application,
Th. Pann.ylv.nla Hou.'ng Fln.nc. Aoancy 1.loc.tad at: 2101 Nortn F,ont St'HI, P,O, Bo,l102V, Hllri.bu'g. PA 11105, T,'.phon.
Numbe, (111) 1eo-3lOO 0' 1-800-3.42-23;1 (loll I'.. number),
o EncloMd .1.0 I. 0 You h... .I...dy ,eealvad 0 In .ddlllan you will ,ee.lv. .noth., nollca f,om thl. I.nder under ACI e af
1874, Thai nolica '. c.lIed a "Nollca 01 Inl.nllon 10 Foreelo..", You mu.t ..ad botn nollCH. .Inee Ih.y both uplaln ,Ighl. th.t you now
ha". undlr Plnnlyl",n,. law. How.v.r, If you chool. to ...rel'l your rlghl' dncrlb.d In 'hi. nOllc.. w. c,nnol foracloH upon you
du,lng Inat IIml, AI..., " you ,ee.'VI fln.nclal a..I.I.nce f,om th. P.nn.ylv.nla Hou.lng Flnanca Ag.ncy, you, home c.nnot be
forecloMd upon whll. you ,,. rec.I"lng It'lll ..11.t'nc..
HIMA Rev t "N
V.ry IMy you.., ,
"J,I ,,,.).
, ,
,
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,) (f .)1. J'
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IlIIlI..
,-
IMPORTANT: NOTICI 0' HOMEOWNIRIs' IMIIIGINCY MORTOAOI AUISTANCE ACT 0"113,
'PUAli READ THIS NOTICI. YOU MAY II ELIGIBLE FOR 'INANCIAL AUISTANCI TOWAAO YOUR MORTGAGE PAYMENTS.
RI: Accounl No, 1C f,(}~"'r-; 0111: Ii/~ '! /'.'4
TO: C'.1:tl:::, ,}, './"f.t, "1 tI, ;ut::;L., dDrr) 11111, J.lA liOl1
".OM; ....::.Ll.I.:rf ..:""'\..:Jt: ~\ i.;r:\~r.'., , It'l.'::t ,il('1I S'l'rlt-t C':'l.rl.l[3h.~,i):, 1 ~iC 1,;
You, mortg.g.,.,n II"OU. d.'.ull b....u.. you h... I.lled to p.y p,ompUy In.lIllm.nl. 0' p,lnclp.l.nd Inl....I. .. requl,ed, lor.
pe,lod 0' at I...t .I.ty (10) d.y., Th. 101.1 .mounl 01 Ih. d.llnqu.ncy I. . ',-, c 1 C , T".t .um Includ.. Ih. 'ollowlng:
'.'.~. ~ ,'.""'!"';~::..':-:-::':~ "'!.~I'" ;'h',j~J11.t ~'7I'....r..::' :U~C ,Jl:Dl: 'lH'/r.'".t't ~;~........~, ,',j.l". .U:";:I
I" . 1. ( ,_..~ () I. .. _ , ..,. I ~
You, mollglg. I. .1.0 In d.'.ult 10' Ih. lollowlng ....on:
(u..lhl. p.,.graph only I' .ppllcabl..
You m.y b. .lIglll/./o, IIn.ncl.'.II'.'.nce ,It.. 11I11/ pro..m loree/o.u.. on your mOllg.g.1I you comply wllh Ih. poovl.lon. 0' Ih.
Homeown.... Em'IQ.ncy Mollg.g. AIII.t.nce Act 01 111I3 (Ih. "Act"), You m.y be .lIglbl. .or em'lQ.ney lImporory UlI.lInc.1I you,
d,'.ult hu been c.uled by cl,cum.l.nc.. beyond you, conlrol. .nd II you mHlth. .lIglbllll)/ requl..m.nt. 01 tIl. Act.. d.t.rmlned by
tIl. P.nn.ylv.nl. Hou.lng 'In.nce Ag.ncy, Pl.... rud.1I 01 'ltll NOlie., /I con,./n. 11II erp/anll/on 0/ you, ,Igltll,
Und., ,It. II.', you... .n,lII.d 10 .,.mpo'I'y .,.y 01 lO"C/O.u" on you, mortg.g. lor '1t/1ly(301 d.y. room lit. d... O/Ilt/. No'I..,
DUling tit., 11m. you mull .".ng. .nd .".nd . ..,....Io.,.c... mHl/nglllltlt . rtpru.nrallve o/'lt/. I.nd.,. 0' 1II111t . d..lgn.1ad
eon.um., c,ed" e~un..llng.g.ncy, TII. pu,po.. 01 Ilt/. mHllng I. '0 .".mp' '0 wo,k out. rtp.ym.n, pl.n, 0' '0 otlt.IWI.. ..",. you,
d.llnqu.n.y, Tit'. mHllng mu.' oc.u"n lit. n..r 'ltllly (~I d.y.,
II you .tt.nd . "C"lcH... mHllng wit" Ihl,'.nder. 0' with. con.umer cradll coun..llng .g.ney Id.nlllled In thl. nolle.. no tUllher
proceeding. In mOllg.g. 'oreclo.uro m.y t.k. pl.ce lor Ihlrty (~) d.y. .11., Ih. d.l. o. thl. mHllng,
Th. n.~.. .dd'....~nd t.l.phon. number 0' ou, ,.p,...nl.U.. I.:
.... "to." "
.JIo:A# _' o. ..,,~ ",~:. ~
I Ii, 111(.., l.)~.
\~..\1.11~.u:, ~J,\ ~-;-C~;
rel.phon.Number. ......:- :~.I:'"
Th. n.m.(.) .nd .dd....f..' o. f.) dlllgn.tad ~on.um.' credll coun..llng .g.ncy(I".'. (er.):
'l', A.:';
JV I '-.J ~; tr':-t:l
~:~1t.1.1.~ 11..:, t)/\ 1./ (j 1 ~
II I. only n.......ry to .chedul. on. f.ce-IO-I.ce mHllng, You .hould .d.,..thl. I.nder Immedlat.ly 0' you, Inttnllon..
II you h.v.trted .nd er. un.bl.IO ".ol..thl. p,obl.m.t 0' .lIer you, '.ea-tOoI.ce m..tlng, you h...lh. ,Ig".to .pply 10' IIn.n.I.'
ualll.nc. ',om th. Hom.own.ro' Emtrg.ney MOllg.g. AIII.t.nce 'und. In ord..ta do '''1., you mu.t '"I ou', .Ign .nd III,. compl.ted
Hom.own.ro' Emerg.ncy A..I.lInc. Appll..tlon wllh on. o. the d..lgn.ted con.umer .radl. counMllng .g.ncl'. 1I.led .bov., An
.ppllc.tlon '0' ...I.t.nce m.y only be oblllned t,om . con.umer credll coun..llng .geney, Th. con.um.. credit counMllng .g.ncy
wlll...I., you In IIIl1ng out you, .ppllc.llon .nd will .ubmlt your compl.led .ppllcatlon 10 th. Penn.ylv.nl. Hou.lng Fln.nce Ag.ncy,
You, .ppllc.tlon mUl' be iliad 0' poa,ml,ked wlllt'n 'ltllly (~Ol d.y. 0/ you, t.c..ro-I.c. mH'lng.
1/ I. er'''/M/y Impo".nr rlt.. you III. you, .ppllc.llon p,omplly. /I you do no' do .0. o"r you do no' tollow lit. OIlier 11m. period. ""
r01l1t In lit'. '''11', /OfIC/OIu.. m.y p,oceed .ga/ner you, lIom.lmmed/...,y .nd you wll/ to,"" you, tllQlblll1y ro, ..I'".n..,
A..II.bl. lund. '0' .m.rg.ncy mortg.g. ...I.lInc. .,. ..ry IImlled, They will be dl.bul'Md by tIl. Ag.ncy under Ih. .lIglblllty
crllerl. ..I.bll.hed by the Act,
1/,. erlromely Impo".nr lit.' you, Ipplieal/on I. accu,ltt Ind compl.II,n ''''Y ...pee', Th. P.nn.yl..nl. Hou.'ng 'In.nce Ag,n.y
h.. .I.ty (10) d.y. to m.k.. decl.lon .11., I' '....Iv.. you, .ppllc.tlon, Du"ng Ihat .ddltlon.ltlm.. no lo,...lo.u.. p,oceedlng. will be
pUllued .g'ln.1 you II you h... matlh.tlm. raqulram.nl.." lOllh .bo.., You will be notllled directly by I"at Ag.ncy 0' II. d...I.lon on
you, .ppllc.Uon,
Th. P.nn.ylv.nla Hou.lng 'In.nc. Ag.ncy I. located .t 2101 Nolth F,ont SIIMt. P,O, 100l102l. H.I/I.bulQ. PA 17105, T.I.phon.
Numbe, (111) 110-3800 0' 1-<<lO-342.23g'(IOII ".. numbe,),
C EncloMd .1.0 I. C You h... .I,..dy ,......ad C In .ddltlon you will '....Iv. .nol"er notice ',om Ihl. I.nd., under Ac. e o.
11114. n., notice I. c.lI.d . "Nolle. 0' Int.ntlon to 'o,.clo..". You mu.. r..d bOlh notlen. .Inea Ihey bOlh upl.ln "ghl.,hat you now
"1'" und.r P.nnlyl"I"11 law, How.".r, If you c"ooa. to Ixere'" your rlghtl d.lcrlbed In t"ll notlc., w. e.nnot foreelo.. upon you
du,lng Ihlltlm., AI.o, i' you '....1.. IIn.n.I., .UI.,.nc. Irom Ih. P.nn.yl..nll Hou.'ng 'In.n.. Ag.ncy, you, home c.nnOI b.
'oracloHd upon whll. you ar. r.c.lving Ihat alliltlnc.,
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