HomeMy WebLinkAbout94-05373
J
.
-7
,
,
"
J , ,
1
~ \
\
~
l1
/
I
I
I
E
~
J
fY)
('-
~
I
~
0"-/
01
((
FARMERS TRUST COMPANY, IN THE COURT OF COMMON PLEAS
Plaintiff OF CUMBERLAND COUNTY,
PENNSYLVANIA
v. CIVIL ACTION - LAW
JAMES M. CASEY, and IN MORTGAGE FORECLOSURE
LAURA L. CASEY ,
Defendants CIVI L TERM 1994
COMPLAINT
AND NOW, comes Farmers Trust Company, through its attorney,
William A. Duncan, Esquire, and files this Complaint in
Mortgage Foreclosure, of which the following is a statement:
1. Plaintiff is Farmers Trust Company, a corporation
organized and existing under the laws of the Commonwealth of
Pennsylvania with its main office and principal place of
business located at 1 West High street, Carlisle, Cumberland
County, Pennsylvania 17013.
2. Def~ndant, JAMES M. CASEY, an adult individual, and
Defendant, LAURA L. CASEY, an adult individual, are husband
and wife, and reside at 1467 PINE ROAD, CARLISLE, PENNSYLVANIA
17013.
3. On or about FEBRUARY 25, 1992, Defendants made,
executed and delivered to Plaintiff a note and security
agreement and a real estate mortgage financing SIXTY THOUSAND
DOLLARS AND 00/100 ($60,000.00), a copy of said note and
security agreement and said real estate mortgage being attached
hereto as EXhibits "A" and "B", respectively, and are
incorporated herein by reference as though fully set forth.
4. said note and security agreement and said real estate
mortgage have not been assigned.
5. JAMES M. CASEY and LAURA L. CASEY, are the sole record
owners in fee simple of said premises subject to said mortgage,
by virtue of a Deed dated DECEMBER 11, 1991 and recorded on
DECEMBER 13, 1991, and recorded in the Cumberland County
Recorder's Office in Deed Book "K", Volume 35, Page 1053, more
specifically set forth in Exhibit "C", 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 WEEKS OF,
JULY 15, 1994, JULY 29TH, 1994, AUGUST 12, 1994, AUGUST 26,
1994 AND SEPTEMBER 9, 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 27, 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
~equired by the Homeowner's Emergency Assistance Act of 1983,
dated JUNE 27, 1994, a copy of which is marked Exhibits "F" and
"G", and attached hereto and made a part hereof by reference.
RECORDATION REQUESTED BY:
film... Tru.1 Comp.n~
On. W..I High SI...I
Cerllll.. PI. 17013
WHEN RECORDED MAIL TO:
film... Tru.1 Comp.n~
On. W..I HIgh Slre,1
C.~IIl., PA 17013
r,F.~onrf.n-nrflCE CI' TilE
nt(.v;iD, C, UEHS
~l' "I ""L '
.' , , LII "I,,, ~UUNTY.i'~,
'9? fTlnn 2 Pl'l 3 2~
SEND TAX NOTICES TO:
JIm.. M, C...~ .nd L.uII S, C...~
1417 Pin. Road
C.rllll., PA 17013
SPACE AIIOVE THIS LINE IS FOn RECORDER'S USE ONl. Y
MORTGAGE
THIS MORTGAGE IS DATED FEBRUARY 20, 1882. between Jeme. M, C..ev end laur. S, Ca.ev. owner(l) In fee
Ilmple, who.. addre.. II 1467 Pine Road, Clllllle. PA 17013 (referred to below al "Granlor"); and Farmerl
Trult Comp.nv. who.. .ddre.. II One We at High Street. Carliale. PA 17013 (referred 10 below.. "Lender"),
GRANT Of MORTGAGE, FOf v.lullbl. conlld...llon, Grenlor grenl., barlllln., Mil., conv.~., .lIIgn., '"n.'"" ..I....., connrm. .nd
mMlIIlII.lo L.nd.. .11 01 Granlor's righi, IllIe, end Inlereslln and 10 Ihe following described real property, logelher wllh all axlsllng or Subs.quenlly
eracl.d or affixed bUildings, Improvemenls .nd IIxlures; all slreels, len.., alleys, passages, and ways; all easamenls, rlghls 01 way, aU Uberties,
prlvlieglS, lanemenls, heredllamenls, and appu~enances Ihareunlo belonging or anywise mede appurlenanl harea"er, and Iha reversions and
remelnders wllh r..pacllherelo: all waler, waler rlghls, walercou"es and dllch rlghls (Inr.ludlng slock In ulilllias wllh dllch or Irrlgallon rlghls): and aU
olher rlghls, roya!lIes, and p,ollls refallng 10 Ihe real property, Including wllhoulllmllallon aU minerals, 011, gas, geolhermal and slmller ma"8/1,loc.ted
In Cumberland CountV, Commonwealth of Pennlvlvanla (the "Real Propertv..):
..e Exhibit "A" townahlp: Penn
The Reel Propertv or Ila add.... II commonlv known.. 1467 Pine Road, Carlllle. PA 17013,
Grenlor prnenlly uslgns 10 Lender all 01 Grenlor's righi, Iille, and Illleresl ,n and 10 all le..as 01 Ihe Properly and all Aenls Iiom Ih. Prop.rty, In
addlllon, Grenlor granls 10 Lender a Unllorm Commarclal Coda securlly Inlereslln Iha Pa"onal Properly and Renls
DEFINITIONS. Th. IoIlowlng words shall have Ihe IoIlowlng mealllngs when used In IhlS Morlgaga, Terl11s nol olherwlSe dellned In Ihls Mortgage shall
hIve the m..nlng& a"rlbuled to such terms In the Uniform Commercial Code. All refarences 10 dollar amounts shall mean amounts in lawful monev of
Ih. Unllad Slales o. Amarlca,
GranlOf, Th. word "Granlor" means Jamll M, C'M~ .nd L.uII S, C...~, The Granlor IS Ihe mortgagor under Ihls Mo~gage,
Guarenlor, Th. word -Guaranlor" m.ans and Includes wilhoutllm,tallon, .ach end aU ollt,e guaranlors, surahes, and accommodallon parties ,n
connacllon wllh Ihe Indebladness,
Improv.m.nl., Th. word 'Improvem.nls' means and Includ.. wllhou' IImllal,on III ex'sllng and luIura Improvemenls, ftxlures, buildings,
slruclur.., mobile homes .ffixed onlhe Aeal Property, lacllllles, addlllons .nd olhar conslrucllon on Iho Reat Proporty.
Indebledn.... 'rh. word "Indebl.dn..s' m.ans all prlnclp.' and Inl.rest p.yabl. under Ihe Nol. .nd any amounls exp.nded 0< advanc.d by
L.nde< 10 dlscharg. obllgallons 01 Granlor or expanses Incurred by Lender 10 anlorce obllglllons 01 Granlor under Ihls Mortgag., logalhar wlln
Inl..... on such amounls as provided In Ihls Mortgage.
Lander, Th. word '\ender' maans Farm." Trust Company, lis successors .nd assigns, The l.nder 15 the morlgagee undar Ih,s Mortgage,
Mortgage. The word "Mor1gag,," meanslhis Mor1gage between Granlor and Lender, and Includes wilhoul IImltallon all asaignmenls and HCurlty
Inl..... provlslons retallng 10 Ihe Parsonal Properly and Aanls,
11<)1.. The word 'Nol.' means Ih. p'omlssory nol. or cradll agrMmenl dal.d FebruI'Y 20, \992, In ttle original principii amount of
$80.000,00 Iiom Granlor 10 L.ndar, logelher w,lh III renewals 01, .xlenslons 01, modlllcallons 01, rallnanc'ngs 01, consolldallons 01, and
subsll'utlons lor Ihe promlsso'Y nol. or agrMm.n!.
P.._ Properly, Th. words "P8/1o",1 Proparly' mlln all .qulpmanl. nxturas, and olhar artlcl.. 01 personal property now or h.raa".. own.d
bV Grantor. and now ar here,ner anlched or affixed 10 the Real Property; together wllh aU accesSlona, parl5, and adclllons to, III repllc.mlnts ot,
.nd all subslllullon. lor, any 01 such prop.rty; and togelhar w,lh .11 proceeds (inCluding w,lhoulllm".Ilon alllnsu,"nce proceads and rllunds of
pramlums) hom any sale or olher disposition 01 Ihe Properly,
Property. The word "Properly" meantli cOllectively Ihe Real Property and Ih. Personal Properly
A." Property, The worda "Real Propertyo mean Ihe property, Inle"$ls and rlghls described above In Ihe "Grant 0' Mortgage" section.
A."'M Documenl.. Thl words "Relalld Documenls" mlan Ind Include WIthout Umltahan III ~lI'oml!u,ory noles, cf.dll agr"men... loan
lor..menls, guaranties, securlty agr"ments. mortQages, deed~ ollrus reemenls Ind documenl$, wh.ther now or
heralner e.lstlng, executed in connecllon With 11'1. Indebtedness
A.nl.. The word "Rents" meanli 1111 p'Hent llInd lulure rellts, reven
Properly
EXHIBIT
OIUS, QI'd other bel"erlts derlvld lrom Ihl
THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE
GIVEN TO SECURE III PAVMENT OF THE INDEBTEDNESS AND 12)
MORTGAGE AND TilE All A TED DOCUMENTS nlls MORTGAGE IS GI
, "I 'l',ll t .\1'
--it
RENTS AND PERSONAL PROPERTY, II
IGATIONS OF GRANTOR UNDER THIS
FOllOWING TERMS:
MORTGAGE
(Conllnued)
Plgt :I
PAYMI!NT AHD P1!RFORMANCI!, hceplll olhlllWl.. p,ovlded In Ihll MOIlg.ge, G'IlIlIOllhllllp.V 10 Lend., aUamounl1 llac:Uled bV Ihll MOrIgage
.llhay bacoma due, .nd Ih.llllr1cllV pe.lOIm ell 01 01ln1Ol'1 abllg.llolll und.r Ihll Morlg.g.,
POIIIIIION AND MAINTENANCE OF THE PROPERTY, G'.III01 .g,.... Ih.1 Gr.nlo,'. po".,,'on .nd UIO 01 Ih. P,op.,ty .hall b. governed bV Iha
lallowing p,olll,'on"
Poaaelllon lIlId U.., Unlllln d.'.ull, G1InI01 moV ,.m.'n In POU.5Ilon .nd eonhol 01 and op.,al. .nd manage Ihe P,op.,ty .nd Colltc:llhe
R.nll ham Ih. P,oporly.
Duly 10 ....nl..n, G,anlOl Ih.1I mOlnlaln lha P'OPOlty In lan.nl.ble cond,"ol1 .nd p,ompllv par'OIm all '.pa"., '.pl.e.m.nll, .nd m,'nlan.nee
nee,nary 10 pres8fVO i1!i valuQ.
Huarclou. lub.lanc.., The I..ml "...,doul wille" "h...rdoul .ub.lllne." "dllpo..I" "III...... .nd "Ih...lened ,........ .1 uaad In Ih"
MOrIg.IlI,lhall hav. Ih. illIm. mllnlngl .. III 100Ih In lha Compreh.n.lv. EnVl1ollmenlol Re.pon.., Compen..llon, .nd L1.blllty Ael 01 1880, ..
.mendtd, 42 U,SC, Section 9601, .1 ..q, ("CEACLA"), Ihe Sup.rlund Amendmenl. and Aeoulholllallon Acl 01 1986, Pub, L, No, 89-499
rSAAA"), Ih. Hlla,doul M.I"'all T,.nlpOlI.llon Acl, 49 US C, Sachon 1801, el .eq" Ih. Allow co Con'."ahon .nd Aecov.ry Acl. 411 U S C
Sacllon SIlOI,.1 illIq , 01 olher .pplle.bla llaln 01 F.da<.llaw., rules, 01 rlgulallons .dopl.d pursu.nllo .ny ollh. lorlg~'ng, O"nIOl "p,..enl.
.nd w'''lnl. 10 L.nd.r Ihat: (.) Dunng Ihe pOllod 01 Granlor's own.rshlP 01 Ih. P,operly, Ih.,. h.. b..n no u", g.na'.lIon, manUlaclu'e,
1101'11I, ",,'m.nl, dllpO..I, rei.... Or Ihreal.nad III.... 01 .nV hazardous was Ie 01 subsl.ne. bV .nV p."on on, und.., 01 .boullha P,operly;
(b) 01ln10l has no knowl.dg. aI, or 'eason 10 b.lI.v. Ih.llher. has b..n, ..c.pl .. prUViou.ly dl.clos.d 10 .nd .clcnowladgld by L.nda< In
wrlllng, II) Iny UII, g.n.r.llon, m.nul.clu", SIOl.gl, IrlOlm.nl, dllPOillll, ,elaa.., 01 Ih,..lenad r.I.... 01 .nV haurdoul wasIl 0' lubllanCI bV
.ny p,IOI ownarl 0' occupanl. 01 Ihl PropOllv or (II) .nv .clu.1 or Ihr..I.n.d hllg.llon o. Cl.,ml 01 .nv k,nd bV .ny p""on .1I.lIng 10 luch
mall.<I; Ind Ic) hc.pl.. P1lViouslV dlscloillld 10 .nd .cknowledg.d bV L.nd.r In Willing, (,) n.,lh.r Grlnlo, nOl .nv I.n.nl, conl"Clor, .g.nl 01
olh.. .ulhoolld u.lr 01 Ihl P,op.lIy Ih.n Uilll, g.n".II, m.nulaclure, .101., I'.al, dl,po.1 01, 0' '.1.... .nV h...rdou. wasil o. lubllanel on,
und." 01 Iboul Ih. Prop.,ty .nd (II) Iny .uch acllvlty .h.1I b. conducl.d In compllanc. wllh all appllcabl. I.dar.', 11.11, .nd loc.1 law.,
,egul.llon. .nd OIdln.nc.., Including wlthoulllmlt.llon Iho.a I.w., ,egulallon., and o,d,n.nc.. d.scllb.d .bov. Orenlor .ulhOlI'" L.nd., .nd
II. .g.nl. 10 .nler upon Ih. Property 10 mek. .uch In.peollon. .nd 1..1. a. Lellder m.v de.m appropllal. 10 delermln. compll.nc. 01 Ih.
P,op'rIy wllh Ihls .eollon 01 I~e Mongag., AnV ""peollon. or 1..1. made bV Lender .hall b. to, Lenda,'. pu'po... only .nd Ih.1I nol b.
con.l,u.d 10 C1l.I. .nV r..ponllblllty 01 lI.bllltV on Ih. part 01 L.ndar 10 G1InIOl 0' 10 .nV olh" po"on, Th. r.p....nl.Uonl .nd w.n.nll..
conl.lnad haraln .r. b.illId on O,.nlor'. due dlllg.nc.ln Inv..llg.llng Ihe Prop."y lor h...,dou. w..:., O,.nlo, h."bV (.) '.1..... .nd w.lv.1
.ny lulu.. cl.lml .g.'nll L.nd" lor Ind.mnllv or conl"bullon In Ih. ev.nl O,anlor beoom.lllable lor cl.anup or olher Calls undo. .ny .UCh law.,
.nd (b) .g'MI 10 Ind.mnlty .nd hald h., mi... L.nd" .g.ln.1 .nV and .11 ela,m., lo..el, lIab'hll.., damag.., p.n.III.., .nd ..p.nllll which
L.nda< may dlraclly or Indj,eclly IUII.ln 01 .uHer ,..ulllng I,om . b,.ach 01 Ihll ..el'on 01 Ih. Mortgag. 0' .. . con..quenc. 01 .ny UII,
gonar.lIon, m.nuf.clu,o, .Io'.g., dllPOsal, r.I.... or Ihr.lllened ,.I.a.. occurring pliO' 10 Gr.nlo,'. own...hlp or Inl.r..t In Ihl PIOP'rly,
whllh" 01 nollh. s.me w.. 0' .hould h." been known 10 ar.nlo" Th. provl.lonl ollhll ..chon 01 Ih. Morlgage, ,nclud;ng Ih. obllglUon 10
Ind.mnltv, Ih.1I .urvlv. Ihe p.vm.nl 01 Ih. Ind.bl.dn... .nd Ih. IIIIIloel,on .nd 'eoonvevanc. 01 Ih. lI.n 01 Ihll Murtg.g. .nd Ih.n nol b.
_Heeled by lend.,'s acqul$illon 0' Iny Inler8all0 Ihe Property, whether by foreclosure or otherwise.
Nulunct, Wlat.. Grantor shill nel taUNt conduct or permtl.ny nuIsance nor commIt, p.rmll, or luNsr any stripping of or wast. on Of to Ihl
Prop..ty 01 .ny portion ollh. Prop.rly, SplClllcallv wlthoulllmllallon, Or.nlor w,lI nol r.mov., or granl 10 any olhe, ~arly the "ghllo r.mov., .nv
timber, mlnerllls (Including olllnd gas), 5011, gravel or rock products Without the prIor wrlthm consenl 0' lender
AlmoVlI o. Improvemenl.. GrlnlOllhall nol demolish Or remove tov Improvements from Ihe Real Prope,ty wllhoullhl prior wnn.n conMo. 0'
llnder. As. condlllon to Ihl removII 0' any ImprO'w'emenls, lender OlaV require Granlor 10 make arrangemenl$ satisfactory 10 Lend., to replacl
$uch Improvements wllh Improvements 0' alleast equal wIlue.
L.nd..'. Rlllhllo Enl.r, L.nder .nd ". .g.nl. .nd "pr...nl.llv.. may .nle, upon Ih. A.al Prop.,IV .1 all r.ason.blo 11m.. 10 .Uond 10
L.nder's Inl.r..ls .nd 10 In.peollh. Property 'or purpo.es 01 Granlo,'. compliance w,lh Ih. le,m. .nd condll'on. 01 Ihls Mo,tgag.,
Complltnc. wllh Oov..nm.nlll R.qulram.nl., O,anlOl shell p,ompllv complv wllh .11 lew., o,dlnanc.., .nd regul.lions, now 01 ""'uner .n
.Hacl, 01.11 gOVlfnm.nl.1 .ulhonll.. .pplle.bl. 10 Ih. u.. 01 occup.ncy 01 Ih. Prop.,Iy, Gr.nlor may eonl..1 ,n good IlIlh Inv .uch law,
O1dln.nc., 01 'egul.llon .nd wllhhold eompll.nc. during .nV proc...dlng, Including .pp,oprl.l. app..ls, '0 long .. G"nlo, h.. nollfted L.nd.. In
writing prior 10 doing so and so long IS, In lender's sole oJ::unlon, lender's Interests In the Property Ir. not jeopardized, llnder may rlqulr,
Orlnlor 10 pO$lldequale security 0' I surety bond, lIaasonably satisfactory to lender, to prolecllender's IOlerest
Duly 10 Prolecr, Gr.nlor .g,... n.,lh.r lo.bandon no, Ie.ve unall.nd.d Ihe Properlv, Grenlor shall do .11 01 her acls, In .ddlllon 10 IhOilll .cl.
.., IOrIh Ibo" In Ihls .eollon, which I,om Ihe characler and u.e 01 Ihe Prop.rlV a,. rea.onablv "eo....ry 10 prolecl .nd pr.serv. Ihe Prop.rty,
~ ON SALI!. CONSENT BY LENDER, L.nder m.v, .1,1. opllon, decl". Imm.d,al.ly due .nd p.vabl. all.um. SlCu"d bV Ihls Morlgagl upon lha
..1. or I"nll." wllhoullh. L.nde,'. prlO1 wrlllen eonlMl, 01 .11 or any pari 01 Ih. Aoal Prope,tv, or any IllI.r..1 In Iho Aeal Prop.rly. ""sale or
".nlter" mNnl Ih. convev.ne. 01 Aeal Proporly or .nv r1ijhl, IIIIa 01 Inler.., Iher.,n; wh.lh., leg.1 or .quUabl.; wh.lho, vOlunlar/ or Involunlary;
whelhar by oulilghl ..la, d...d, Inll.llm.nl illIl. eonl,.cl, land conlrllcl, contr.el lor deed, I....hold Inl.r..1 wllh . t.rm gr..ler Ih.n Ihr.. (3) Y'.'s,
Ia.....opllon conl,ael, or bV sala, ...Ignm.nl, 01 Ir.n.le, 01 .nv b.netlcl.lllll.r..1 In or 10 any lend Iru.1 holding 1111. 10 Ihe A..I ProP.rly, or by .nV
olhlr method 0' conveyance 0' Real Prop.rty Inleresl. If any Granlor Is I cmporltlon or partnershIp, trsnS'er also Includes any change In ownership 01
morl than lW.nty-ftv. p./C.nl (25'110) 0' lha vollng .Iock Olp.rtner.hlp,nler..ls, .. Ih. ca.. mey h., 01 G,anlo, How.ver, Ihll opl.on shall nol UI
..ercllad bV Linder lI.uch .../CII.ls p,ohlbll.d bV t.d.,allaw or bV P.nn.ylv.nl. law,
T AXEl AND LIENS, The lOllowlng p,ovlllons r.I.ling 10 In. I..... .nd lI.n. on Ih. P,op.,IV a,. . p.rt ollhll Mo,lg.g.,
'IYmlnt. Or.nlOl shall PlY when due (and In all evenls pnor to delInquency) IlIlIu:e5. payrollliUes, spechll hUls, ISs.ssmlnts, wltlr chlrg"
and sew., SllVlcl charges !ttvl.d agaInst or on accounl 0' Ihe Properly, and shall pay when due all cliJlms 'or work done on or 'or SlNICI'
r.ndeltd Of material 'urmsh.d 10 Ihe Prop.rty, Grsnlor shell malnlllln Ihe Property free v, all hens ha....mg pllOflty o'..er or .qulllO Ih. inler,,1 0'
Linder undlf this Mo,tgage. 'llcepl tor Ihe hen or IQll9!} and assess men Is not due, and ellcspl iI5 olherwlse prO\lldod In 11'18 'ollowlng paragrlph.
Right To Coni.,.. Grantor may Withhold payment 0' anV lax, assessment, or claim m connechon wIth. good Idllh dlspule ov.r the obligallon 10
pay. so long as lende"s inl.resllo Ih. Prop"rty IS nol Jeopllrdlllild I' a 111m allBes or 1$ filed as a resull of nonpayment, Grenlor shall wlt"'ln ftnHn
(15) daY$ aft" Ii'll lien arises or, I' 1\ lien IS 'lied, wllhlll '1"89r1 (1.1)) dll~s attar Grantor has notice 0' 11'18 riling. 59r:ure the diSCharge 0' Ih. Ii.n, or il
r.quested by linder, depO&it with ltnder cash or II suffiCIent corporate surety bond or other securltv sahsfactory to lender in an amounl suftlel,nl
10 dl&chargl Ihe lien plus any costs Ind IlIorneys' lee5 or other chl.lrge11hat could accrue 85 II result 0' a foreclosure or sale under th.ll.n. 111
,ny conlesl, Granlo. Shall de'und Its." and lender dnd ShQU SlJlJsl'i ally adverse judlJmerll belor. enforcement agalnsllhe Property, Grantor Shill
"am.l,ndt'l5 an IIddlllonlll obligee und.r any surely bond 'urnl~ned In Ine contest proceedlnQ$
fvki.nc. 0' Payment. GrQnfor s"all upon demand lurnl5" 10 Lender satl51aclory eVIdence 0' payment 01 the lalles or Issessmenls Ind s"all
lutl'lOtllO Ihe IIpprop/liJte gOvl]rnmenhll otflClul to deliver 10 L ondHr at any rllne IJ wflltt3n '.Jtl1rement 01 Ihe IU1Wl IInd il5SeSSmfJnls 'golnGIII'1.
Propelty
, 1(1- 1 q~I'1 I In
"111
-
MORTGAGE
(Conllnued)
PIU' 3
-
-~-._,-,
Nollce 01 ConetruCllon, Grantorlha~ nollly Landar alltall "liMn (16. dava bofora allY WOlk II commoncod, any IIMC.. ara lurnllhed, 01 any
matarlals ara supplied 10 Ihe Proparty, II any me<:hanlc'sllan, malarlalman'sllen, or olho, lien could be essorted on accounl ollha wOl1<. IIMcas,
01 malarlels and Iha cosl exceeds '6,000,00, G,antor w,lI upon raquesl Of lendor lurm,h 10 lendor advanco assurances sallSflctory 10 landar
Ihal Granlor can and will pay Ihe cosl 01 such Improvemenls,
PROPERTY DAMAGE INSURANCE, The IoIlowlng prOVlOlons 1IIIIIng to Insu,'ng tho Proporly Ire I pe,! olthlO Mortglgl,
Mlln..n.nee 0' 1"lUran,.. Or.ntOf' 'hili procu,.. and mllntaln r;oIlcl" 01 fill In$UranCI wllh &land8,d 8.llitended cover.g. IndDrMm.nla on .
repllcemenl basis lor Ihe lulllnsurlble value Covering III ImproV9menls on the Rool Proporly In en amounl suHlclonllo avoid IpplICallon 01 Iny
coinsurlnce clause, and wllh a standarrl mortgagee cllluse In lavor 01 lender. Policies shall be wrillan by such Ill,ursnce companies and In luch
lorm IS mlY be r..sonlbly Iccopllble 10 Lendor, Granlor shall dellvor 10 londer cerlillcoles 01 cov.rage Irom oach Insurer conlalnlng a
sllpulatlon Ihll coverage will nol be cancolled or diminished wllhoul a minimum ollen (10) days' prior wrlllon nollco to lender, Should Iha Rell
P,oparly allny time be<:ome located In an araa deslgnaled by Ihe Director 01 Iha Fodaral Emergency Managomenl Agency" e Ipeelal Rood
hllllrd ar.., Grlnlor agrees 10 oblaln and malnleln Fedllrlll Flood Insurence, 10 Ihe e.lonl such 'nsurance Is rOQulrod and Is or becomes avalllble,
lor the larm 01 Ihe loan and tor Iho luU unpaid prlrrclpal balance ot Ihe loan. or Ihe ma.lmum IIm,' 01 coveragelhal rs avellable, whlchevar II lass,
AppllCallon 01 Proc..da. Granlor aha. p,omplly nollly lender 01 any los, or dlmago 10 Iho P,oporty II Ihe estlmalad cosl 01 "pair or
replacem.nl ..ceeds '110O,00, lender may make proo, 0' loss II Granlor lalls 10 do so wllhln ""een (15) days ollhe casually, Wh.,har 01 nol
L.nda(. .e<:urtly Is Impal,ed, lender may. at It. ele<:tlon. apply Iha proceed. to Ihe roducllon 01 Ihe Indeblodness. paymenl 01 ~ny lIan IHacting
Ih. Prop.rty. or the reslorallon and repair 01 Ihe Properly, II Lender ele<:ls 10 apply Iho proceeds 10 reslorallon and repair. Granlor .ha~ rapalr 01
IIplac. the damaged or de.lroyed Improvemenl. In a mannar .allslaclory 10 Londar, londor sholl, upon sall,foclory prool 01 such ..pendllUla,
pay 01 rolmbura. Granlor hom Ih. proceeds lor Ihe reasonable cosio' repair or roslOlellon II G,anlor IS nolln default her.under, Any proceeds
whICh have nol been dlsbu"ed wllhln 180 dava aller Ihelr 'ecelpl and which londer ho, nol commlllad 10 Ihe repolr or raslorallon 01 Ihe Proparty
IhaU b. usad !rallo pay any amounl owing 10 le,'der undar Ihls Mortgage, thon 10 propay accruod inlerosl, ond Iho remainder, Itlny, Ihall ba
appllad 10 Ih. principal balanco of Ihe Indebledness, If londor holds any proceod. aHor paymonlln lull 01 Iha Indabtodnes., such proceeds shaU
b. paid 10 Granlor,
un..plred Ineurlnc. al Sal., Any une'plred Insuranco shall rnure 10 Ihe bon,'11 01, end pa.. 10, Ihe purchaser ollho Property coverod by IhlS
Mortgage alany Irusloe's .ole or other .ele held under Ihe prOVISions ollhis Mortgage, or alany loroolosuro sala 01 such P,oparty,
EXPENDITURES BY LENDER, II Granlor I.,ls 10 comply wllh any proviSion ollhls Mortgag., or 'f any .cllon or proceed'ng I. commenc.d Ihal would
malerlally aHecl l.nder', Interesl. In Ihll Property, lender on Gronlor's beholl moy, bul shall nol be rOQulrod 10, la.a any .clion Ih.llendor deems
approprl.le, Any .mounl Ihal lendor expends In .0 doing will boor Inlorost al Ihe ralo chargod undor Ihe NOlO Irom Ih. dale Incurred or peld by
Lender 10 Ih. dole 01 repoymenl by Granlor, AII.uch e'pen.e., ollondar'. opllon, w'" (a) bo payable on domand, Ib) bo .dded 10 Ihe bal.nca 01 Ih.
Nol. and b. .pportionod among and be payable wllh ony In.lallmenl p.ymenl. 10 becomo due dUring o,lhor (I) Ih. lorm 01 .ny appllc.bl. Insullnc.
polICy or (II) Ih. "mlllnlng le,m ollhe Nole, or (c) be Iruted .. a bolloon pa1monl which will be duo ond poyable .llho Nol.'s malunly, ThI.
Mortgag. .Iso will .ecu" paymenl 01 Ihese .mounl., The rlghl. provldod lor In Ihis paragraph shall be In oddlllon loony olhor rlghl. or any ra""dlo.
10 which L."der may be .nllllod on ,ccounl 01 Ihe dolaull, Any .uch acllon by londor shall nol bo conslrUOd os cUring Ihe dol.ull so as 10 bar l.ndor
hom .ny r.medy Ihatll otherwise would have hod,
WARRANTY; DEFENSE OF TITLE. Thalollowing provision. 'eloling 10 owne"hlp of Iho Property are. part of IhlS Mortgage,
Till., G,.nlor wa".nl. Ih.l: (.) Gr.nlor hold. good and m.r.el.ble IIlie 01 record 10 Iho Properly ,n fee IImplo, Iree .nd claar 01 aUII.n. .nd
.ncumbr.nces olher thon Ihoso setlorth In Ihe Real Propo,ty descrlpllon or In any IIlio Insuranco polley, IIl1e roport, or linollllle opinion Issuod 'n
'avor 01, and acceplod by, lende, In conne<:lIon wllh Ihls Mortgage, and (b) Granlor has Iho lull righi, power, and aulhorlly 10 o'e<:ul. and dollver
Ihls Morlg.glllo lender,
Del.n.. 01 Tille, Subje<:llo Ihe o.cepllon In the p.r.graph Ibove, G,.nlor worranl. ond wllllorevor delond Ihe 1111. 10 Ihe Prop.rty agalnsllh.
lawlul claim. 01 .11 porson., In Ihe avenl ony acllon or proceeding I. commenced Ihat Quosllons Granlor'. IlIla or Iho Inlere.1 0' l.ndor under Ih,S
Mortg.g., Gllnlor shall delend Ihe eclion 01 Gr.nlor'. e'pense, Granlor may bo Ihe I10minal parly In su:h p,ocoedlng. bul lendor .h.1I b.
.nlllle" 10 partIClpale In Ihe proceeding and 10 be represented In Ihe proceeding by counsol 01 lender'. own cholco, .n" Gllnlor will d.llv." or
c.ulllo be delivered, 10 lendor .uch In.lrumenl. .. lender may roquest 'rom lima to limo 10 pormll such parllclpollon.
Compllanc. With Law., Gr.nlor warranl. Ihol Ihe Proporly .nd Granlor'. use 01 Ihe Property compllos wllh .U ..Ialing .pplk:.bl. laws,
ordinances, and regula lions 01 governmenlal outhorllles,
CONDEMNATION, Th. lollo'Nlng provisions "'allng 10 oondemn.llon of Ihe Properly ore a pari ollhlS Mortgag.,
AppllCallon 01 Net Proc.ed.. II.U or any part 01 Ihe Properly la condemnod by omlnonl domeln procoodlngs or by .ny proceadlng or purchase
In lieu 01 condemn.I,on, lender may alII, ele<:lion require Ihal oil or any porllon 0' Ihe nol proceods ollhe award bo .ppllod 10 Ihe Ind.bledness
or Ih. "pal, or "alorallon 0' Iho Property. The nol proceed. 0' Iho award shall moan Iho award alior paymonl of oil actuol cosl.. ..p.n..., .nd
_nOlneys' 'HS or llnder In connection with Ihe condemnation.
ProcHdln/ll, II .ny p'oceedlng In condemnallon rs med, Grootor ,hall promptly nollly lender In wrlllng, and Gr.nlor .hall promplly Ia.a luch
,Ieps IS mav be necessary 10 defend the Bcllon and oblain Ihe award. Granlor may be the nominal party in such proceeding, but Linde' shall bl
.ntlllad 10 partlclpale In Ihe procaeding ond 10 be represtnled rn Ihe proceeding by counsal 01 lis own choice, and Or.nlor will dell'", or c.use to
be delivered 10 l.nder .uch Inslrum.nl. as may be roquesled by ,llrom limo 10 limo 10 perm,t suCh parllc'pallon
IMPOSITION Of T AllES. fEES AND CHARGES i1Y GOVERNMENT AI. AUTHORITIES, Tho lollowlng prov'Slon. rolallng 10 govarnmonl.,Iax... lees
.nd charg.. ." a p.rt ollhla Mortgago:
Curr.nt ,..... f... and Cherllla, Upon reQue.' by l.ender, Oranlor .hall o.acul. suCh docum.nl. 'n .ddlllon 10 Ihls Mortgage and I.k.
whllev.r oth.r action IS requested by Lender 10 perfect and continue Lender's Han on the Real Property, Granlor shall relmt:lurse lend., tor an
la.ls, I'S d8llCrlbed below, logelhe, with all 8lCj;)enS8S Incurred In recording. ~ertflchng or continuing Ihis Morlgage, inclUding wllhoulllmlhUlon all
1..'5, '"". documenla~ stamps, and olhsr charges for r&Cordlng or registerIng Inl~ Mortgage
Tu... Th. 'ollowlng Shall constltu'. 18X'S 10 which this section Ipj;lUes: (I) a ,paclflc lax upon IhlS type of Mortgag. or UpCIO all or anV pll1 of
Ihelndebledness secured b'llhls Mortgag.; (b) a speCIfic hax on Grantor which Granlor Is aulhofllOd or 18qUlred 10 deduct 'rom p..ym."" on 11"1'
Indebledness se<:ured ~y this Iyp. 0' Mortg.ge; lei a I.. on Ih,slype 01 Mortgage chargoablo against Iholandor or Ihe holdor ollh. Nol.; .nd
(d). sp8Ciflc lax on all or any porllon or thlit Indebtedness or on ~aymonls 0' prinCipal ,)nd Inlerilst mllde by Granlor
luDMqu.nl To... If any talC 10 which thus section applies IS enllcted subslquenl to the dale 0' Inls M('Irlgage, thiS IVlnt shall have Ih. sam.
.ffec' a~ an Event 0' Default (il'l defined below), and lender may e~erCHSIt any or all at lis available remedlS\ lor an Evenl 0' Default.9 provided
below unless Granlor 811har (iJ) PBY~ Ihe flu betore II t1ecoms'j delinquent, Or tb) conleSlS Ihe ht.:c as pro\llded above In the Tales IInd liens
s8ellon and depotJlh with L snder Cll~h or a sutflelsnl cOlporala surat'l bond or olher seGurlty sallsfllctory 10 Lender
-
MORTGAGE
(Continued)
Pille 4
IECURITY AGREEMENT. FINANCING STATEMENTS, The IoIlowlng pro.,.,on. ,.'.I,ng 10 110,. Mo"glg. .. Il .ecurily .greem.nl.ra a pan 01 Ih'.
MOf1glge,
Security Agr"","nl, Thl. In.lrumanl .hall con.lllul. a _unly agreemanllo Ih. .,'.nl Iny 01 Ih. Prop.rly conslllul.. ftlrlurn Of olller phonal
prop.rty, Ind L.ndur sh.1I h.v. III 01 Iha rlghl. of e 5ec:ur.d perly under Ihe Unllorm Commlrclo' Code.. omend.d kom lima 10 lima,
Security Inltrlll, Upon raque.1 by L.ndat, Grlnlor .heW ..ec:ul. ftnane'ng 511Iem.nl. Ind Ilk. whllev.r olh.r Icllon II r.quellad bV Lander 10
plrlec:1 Ind conllnu. Lend.r'. securlly Inlareslln Ih. Ranis Ind P.",on.1 Prop.,'Y, In Iddlllon 10 recording Ihll MorIgag. In lhe reel properly
rec:Ofd., Landar m.v, al any lima and wllhoul lurlher aulhOfltallon kom G,.nlor, hi. .,.cul.d counl.rp.rt5, r.opl.. or rap,oducllona oflhll
MOf1g.00 II I fin.nclng .1.lam.nl. G,.nlor .hlll relmbu",a L.nd., 10' .11 ..p.n... Incu".d In pertechng 0' conllnUlng Ihll _unly Inlllesl,
Upon clallUlI, Grlnlor 5h.1I ....mbl. Ih. P.",on.1 Prop8f1y In . m.nner .nd II . place rel.onably conv.menllo Grlnlor and Landar and mlka II
available 10 Lander wllhln Ihr.. (3) deys all.r rec.'pl 01 w,man demand I,om L.nd.r,
Addr...... The melllng .ddr..... 01 Granlor (deb lor) .nd L.nder (secur.d perty), "om which Inlorm.llon concerning Iha secunly In'lle.'
granled by Ihl. Morlg.g. m.y b. oblalo.d leech IlS requl'.d by Ihe Unllorm Commerc,al Cadi), ar. as sl.led on Ih.llrsl page 01 Ihl. MorIgage,
FURTHER ASSURANCES, ATTORNEY-IN-FACT, The following provl.'ons r.l.hng 10 lurth., ...urlnce. Ind .1I0rneY-in-lacl "'" a plrt 01 11011
MorIQlg.,
Furl"" AllUrenc... AI .ny 11m., .nd horn lime 10 lime, upon raqutsl 01 L.nder, Granlor will mak., e.ecul. .nd deliver, or will cause 10 ba
mad., .,ecul.d or delivered, 10 Lendat or 10 Lender'. designee, end when ..qu.sl.d by L.nd.r, c.us. 10 be ftled, recorded, "nled, or
"rOleorclad, IS Ih. ca\e m.y b., al .uch limes and In .uch offlc.. .nd pl.ce. IS L.nd.r m.y deem approp".le, any .nd .11 luch morlg.g..,
deeds 01 kusl, securllv deed., .ecurlly agre.m.nl., IIn.nclng ,'.'.m.nl., conllnuallon ,'.I.menl., In,'rumenl. 01 lunh.r a..u,ane., clrl'IIc.'as,
and olher documenls IlS mav, In Ihe 101. opinion 01 L.nder, b. nec....ry or d.sirabl. In o,d.r 10 affeclu.le, compl.,., p.rfec:I, conllnua, or
pr_rv. (a) Ih. obllgallons 01 Granlor under Ih. Nol., Ihl. MorIg.g., .nd Ih. Aelal.d Docum.nl., .nd (b) Ihe U.n. and _urlly Inler..'.
c"al.d by Ihls Mong.ge as 11"'1 and prior h.n. on Ihe Property, wh.lh.r now own.d Or h.re.ller .cqul,ed by Granlor. Unl... prohiblled by law
or .greed 10 the contrary by lender In wrillng, Granlor sholl relmbu~8 lender 'or all roosts and expenses Incurred jn connecllon with the malls"
r.'err.d 10 In 1101. p.,agraph,
AllorneV-ln-Fec:1. If Granlor lolls 10 do any 01 Ih. Ihlng. ,.Ierr.d 10 In Ihe preceding p.ragraph, L.nder m.y do '0 lor and In Ih. name o.
Granlor and'l G,.nlor'. .'p.nse, For .uch purpo..s, G,.nlor h.r.by ,,,.,oc.bly .ppolnl. l.nd.r .. Granlor'. IlIorn.y-ln-llcl lor Ih. purpo..
01 making, .'ecullng, dellv.rlng, IIl1ng, recording, .nd doing III olh., Ihlngs as m.y b. n.c....ry or d..i,.bl., In Lind.,'. sol. opinion, 10
accompll.h Ihe m.lle" r.'.rred 10 In Ih. preceding paragrlph,
FLU. PERFORMANCE, "Gr.nlor Plys alllh. Indebledness wh.n dU., Ind olh./WI.e p.rlorm. IlIlh. obllgallo". Impo.ed upon G,.nlor undlr Ihl.
Mortgage, L.ndlr shall ..ecul. and dellv.r 10 Grlnlor e sull.bl. .all.f.cllon ollhl. Morlg.g. and .ullabl. slal.m.nl. olt.rm,nallon ollny ftnlnelng
.talem.nl on fila l\'Id.nclng L.nd.r'. .ecu1Ily Inl.r.sl,n th. A.nls .nd Ihe Person.' P'op.rly, Gr.nlor w,lI pay, " p.rmilled by .ppllcab'e law, anv
raa.onlble lermlnlUon lee as d.l.rmln.d by Llnd.r hOl11l1me 10 Iimll,
DEFAll.T. Each ollhe lollowlng, .llh. opllon 01 L.nder, .hlll con.lllul. an ..ani 0' d.faull ("Evenl 01 O.flull") under Ihl. Mortgag.:
Delaull on Indebl.dn..., Fallur. o. Granlor 10 mllke Iny plymenl wh.n due on Ih. Ind.bledn...,
Delaull on Olher P.vm.nta. Flllure of Grlnlor wilhln Ih. Iim. ,.qulr.d by Ih'. Mo"g.go 10 m.k. an'/ paym.nl lor 11l'"1 or Inlu,anc., or any
olher pllymlnl nec...ary 10 pr.venl nllng 0' or 10 effecl dlschlrg. 01 any lIan,
Compll.nc. Deleun, FIUur.'o comply wllh any olher le,m, obliglllon, co,"n"nl or condlllon conlaln.d In Ihl. Monglge, Ih. Nole or In any ollh.
Aelal.d Docum.nl.,
Br.ec".., Any wa,,"nly, r.presenlallon or .Ialomenl mid. or turnl.h.d 10 L.nder by or on beh.1f 01 O,"nlor undlr Ihla MorIglga, Ih. Noll or Iha
Relaled Documents is, or at the 11m,. made or furnished was, false In any malerial respect
InlOlv.ncy, The In$olv.ncy 01 G,"nlor, appolnlmenl 01 a rec.iver lor Iny pari 01 Granlor'. property, any as.lgnmlnl for Ih. bln.nl 01 cred,lors,
Ihe commonclmenl 01 any proc..dlng und.r .nv b.nkruplcy or In.olv.ncy I.ws by or .galn.1 Oranlor, or Ih. dls.olullon or l.rmlnaUon 01
Grlnlor'. 1.,.llnca.. a going bu.ln... (,, Grlnlor I. e busln.s.), E.c.pllo Iho e,'.nl prch,bll.d by I.dor.llaw or P.nn.ylvan,"llw, Ih. doalh 01
Orlnlor (iI G,"nlor IS an IndIVIdual) 01.0 .hlll conslltule an e.ln' of D.f.ull und.r Ihls Morlgag.
foreclOaule, .Ic. Comm.nc.m.nl 01 loreclosur., whelhor by judicial proceeding, s.lI-h.lp, r.po.....,on or any olh.r m.,hod, by any cr.dllor 01
Oranlor agllnsl any 01 Ihe Properly, How...r, Ihls subsecUon .10.11 nol .pply In Ihe .venl of . good la,lh dl.pul. by Grantor .s to Ih. velldlly or
,.asonabltness 0' Ihe claim which is the basis of the foreclosure, provided that Grantor gIves lender wriHen nollce of such claim and lurni,he,
r...rves or a surlly bond for Ih. clllm sall,'aclory 10 L.nder,
Br.ech 01 Olhar Agr..man!. Any breach by Grlnlor under Ihe I.rm. ollny olh.r agreemln' between Granlor Ind Land.r Ihllll nol r.medled
within any grlC' period provided thenMn, Including wllhout ttmltatlon any agreement concer/llng any indebtedllO$S or other obligation 0' GrantOf' 10
Linder, whelll'i' IXI.llng now or laler,
Event. "Htctlng Qu.,..lor. Anv of the preceding evenls occurs wllh ,.specllo any Guarantor of any of the Indebtedons or such GUI'lnlor
ell.. or becoml. Incompellnl.
RIGHTS AND REMEOIES ON DEFAIJLT, Upon Ihe oceurronel 01 any Evenl at D.'.ulland Illny I,molher..ffer, L.ndor, III ,I. opllon, may ....cl..
InV on. Dr mOre of the following rights and fQmedles, In addition 10 any other nghts or remedies prOVIded by IdW:
Ace...,... Ind.bt.dn..., Subject 10 IPpllc.bl. law, llndlr .hall ha.. Ih. "gl\l 01 'I. option Wllhoul nolle. 10 Gronlo' 10 decl.r. Ih. anll..
Indebt.dnl.S Imm.dllll.ly due .nd payable
lICC R.mtcll.I, Wllh ...pecllo.1I or any Plrt 01 Ih. Ptr.on.1 Prop.rty, l.onder .h.1I hi'. IlIlh. rlghl. and r.m.dl.S of a .tour.d party under
Ih. U""orm CommerCial Cod.,
COIlecl R.nts, Land.r .h.1I ha," Ih. "ghl, wllhoul nollce 10 Grlnlor, 10 Ilk. PO....Slon of Ihl PrOPt,ly and collecllha A.nts, Includln\l amounls
put du.. and unpaId, Ind apply Ihe nel proceeda, over and above lender's costs, aglJ,insllhe Indebtedness. In furtherllnce 0' IhlS righl. Linder
may r.qulr. Iny I.nan. or olio., u..r 01 Ih. Prop.rty 10 mako p.ym.nl. 01 ronl or use f... dlroclly 10 Lender, II Ihl Allnl. or. cOlleclad bV Lander,
'hln Granlor Irrevocably deslgnlltes Linder as Granlor's aUorney-in-'lIcl to endorse Inslruments received In paymel'll thll'IO' In thl nlm. of
Grantor Ind to negollate the same and collect Ihe proceeds Payments by leni1nl~ Or 011'181' users 10 lender in response 10 lender's dem.na shall
s811s~ Ihl obllgilllOn$ 'or which Ihe payments sre made. whether or not any proper grounds tor the demund el(isted L.nder may ')flrelse lis
rights under Inl! subparagraph ellher In parson, by agenl, or through II receivlr,
Appoint R.e.lv.,. Lender sl~1I11 hevelh. right '0 hlive. receiver apPoInted 10 11111;8 POM89!lon 0' all or any part 0' Ih. Property, wilh Ihe pow., 10
protect Ind preserve the Properl,!, to operals Ihe Property preceding fOleclo5lJre or 50 Ie, and fa calladlhe At9nl~~ from Ihe Property and apply I,...
prO(,eeds, aver and iltJO\Jd tho COGI 0' Ihe rucel\Jtll'lhlp, an,llw,llhe lndoblorJrltil% rt~~ 1l)r.:I~I'Jt'r m,ll ':,1'1',1; WittiCH II linnd II ~)I!rmlllf'c1 h'lIII'N
MORTGAGE
(ConUnued)
PIII15
-
-- -..
~
-
L.nder'l rlghllo Ih. .ppOlnlm.nl of . recalv., Ih.1I ..111 ..helh., 01 nol Ih. .pp.renl v.lue of Ih. Prop.rly IlCHdl I~ Ind.bledn... by .
lubllllnll.'.mount Employm.nl by Lend.r .hlll nol dl.qu.llfy. p.rlon I,om ..cllng a.. 'ecelv.r,
Judlc... fOflCloaur., L.nd" m.y oblaln .ludICI.1 dec'H 100ecl0llng G,."lo1'. ,nlu,..lln all 0' any p.,1 ollha P,opa,ly,
Po_1IIon ollh. PropeJ1y. FOII~ PurpOll 01 p,ocu,lng p~on of Ih. P'op",ly, Granl", h",aby .ulhOlI"1 .nd .mpo.... .ny .nOlney 01
.ny court 01 record In Ih. Coml11onw..llh 01 P.nn.y1v.nl. 01 .llIWh.r.. a. allo",ay 10' L.nd.r .nd .11 p.rlon. claiming und.r 01 Ihrough L.nder,
10 .!gn .n Ig,..menllor .nlerlng In .ny comp.l.nl court .n .mlc.bla .cllon In .Ieclm.nllor po.....lon ollh. P,op.rty .nd 10 .ppear lor .nd
conI... Judgmenl .galnsl GranlOl, .nd .galnll all perlOnl cl.lmlng undar or Ih,ough G'anlor. lor Iha ,ecov.ry by L.ndar 01 pOllllalon of Ih.
Prop.rty, ..lIhoul .ny .I.y of ..ocullon. I", which Ihll Mortgaga, or . copy of Ihll Mo,lgag. vanllad by alfldavll, Ihall b. . lulllclanl w.".nl; and
Ih.r.upon I Will 01 pOII...lnn mlY b. IlIuad lorlhwllh, wllhoul .ny p,lor ""II or p,oc.edlng whalll>Bvu"
Nonludlclallal., II pa,mlllad by .ppllc.blalaw, Land. m.y loraclola G,anlor'. ,nla,allln.1I or In any pa,1 of Ihe Parlon.' Properly or Ih. Ra.1
Prop.rty by nonJudicial 1.'.,
D1Hclency Judfllll.nl, Land., m.y oblaln . ludgmenl 101 .ny dallclancy ramalnlng In Ih. Indabladn... dua 10 Lender .lIa, .ppllcallon of .11
.mounll leeelvld kom Iha "Il,clll 01 Iha rlghls p,ovld.d In Ihlllacllon.
T.nancy .1 lun.r.nc., II G,.nIOl r.m.lnl In pOlselalon 01 Iha Proparly .lIar Iha P,op.rly II .00d .1 p,oVld.d Ibov. or L.nder olh....11I
bacomOlenlllled 10 pOIlOlllon ollh. P,op.rty upon d.laull 01 G,anlor, Granlor Ihall becoma a I.n.nl allullar.nc. 01 Lendar or Ih. purchllar 01
I~ PrCIPlrty and Ihall, al Llndar'l opllon, lither (a) pay e ,ealonablo renlullOl Ih. use ollh. Plope,ly, or Ib) vac.le Ihe Property Immldlallly
upon Ih. demand 01 Llnd.r,
Ollllr Remldl... Lender .h.,1 h..... .11 olh. "ghll .nd r.medl" provided In Ihll MOIlg.g. or Ihl Nole or av.llable .11.w Olin .qully,
.... ollhe Properly, To Iha a.lenl pe,mlll.d by .ppllcable I.w, Grllnlor her.by walv.1 .ny .nd .11 IIghllo h.va Iha p,op.rty m.rlh.lll.d, In
e.erclllng III ,Ighll .nd remedlel, L.nd.r Iholl be Iree 10 lell .11 or .ny parI 01 Ihe P,opert'/ lag.lhe, 0' I.p.,al.,y, In one I.'e or by IIp.,.le
Illes, Lander Ihall b. .nllll.d 10 bid 01 .ny public lale on .11 or any pOrI' on ollh. Property
Nollc. 01 SIIe, L.nd.r Ihall give Granlor raalonable nolice ollha I,me end piece 01 any public lele ollhe Perlonel P,op.rty or 01 Ih. lime ellar
which .ny p,lval. lale or olh., Inlended dllpollllon 01 Ihe Personel Prope,ly II 10 bl made, Unle.s olherwlle ,.qulred by appllceble law,
rlalon.bl. nollce Ihall mean nollce given 01 ,.011 len (10) deYI belo,e Ihlllme of Ihe loll 0' dlspollI,on,
Walv.ri Elecllon 01 Rem.dl.e, A w.lve, by eny party 01 a braach 01 Il P'OVlSlon ollhll Morlgegll shall nol conllllule . walv.r 01 01 preJudlcelhe
perty'l rlghl. olhe...lle 10 demend Ilrlcl compllanc. ..lIh Ihal prov,.lon or eny olher p,ovlslon, Elecllon by L.nd., 10 pUISU. eny r.medy .hall nol
exclud. pursull 0' sny olher remedy. and 8n election 10 make 8lCpendllurB$ or lake aclion 10 perform an obligation 0' Grantor unde' Ihi, Mortgage
Ine' 'allur. 01 Grantor to perform shall nol affect lender's rlghllo declare a delault and exercise lis remedies under IhlS Mortgage.
AttorneYI' F..li Expen.... If Lender Inllllul8$ any su11 or action 10 en'orce any 0' Ihe lerml or Ihll Morlgag., Linder shall be enUned to rlCover
.uch lum a. Ihe court m.'/ .djudge raasonabl. as allo,naya' leel al 1,lal and on any .ppe.'. Wholhar or nol .ny court .cllon I, InvOlvad, III
re..on.ble Ilpen... Incurrad by L.ndar Ihalln Lend.,'1 opinion .r. ner.essery .1 any 11m. 10' Ihe prolecllon of lis Inlarlll or Ih. .nlOlcemenl 01
", rlghls lhall become a part 01 Ih. Indebledne" payable on demand .nd .hall b.ar Inle,esl ~om Ihe dale 01 ..pendllure unlll rep.ld .llhe Nol.
r.'e, E'p.nIOl cov.,.d by Ihls pa,.graph Include, wllhoulllmllallon, howaver lublecllo any IImllJ und.r applicable law, L.nd.r'l ."OIneys' lOBI
.nd legal e'pan.e. whelh.r or nollher. II e lawlull, Including allomey.' lee. lor banklUplcy proce.dlngl (Including .1I0rts 10 modify 01 v.cala
.ny .utomallc ".y or Inlunollon), app.all and any enllcopal.d pOSI-Judgmenl collecllon 1.",lces, Ihe COil of s.a,chlng racordl, oblelnlng "lie
raport. (Including 10reo;Iolure report.), .u",eyors' 'eports, .nd >Ippral.al I..., and IIl1e ,".urance, 10 Iha exlenl p.rml"ed by .ppllc.ble law,
Gr.nlOlallo will pay any court co.I.,In addlllon 10 all olh.r sums p,ovld.d by law,
NOTICEI TO GRANTOR AND OTHER PARTIES. Unl... olherwlll provided by applicable law, any nolle. under Ihll Mortgage Ih.1I b.ln wnUng .nd
shall b. ellacllv. whan aclually dellve,ed or, II mailed, Ihall be deemed ellecllva when daposll.d In Ihe Uniled Slalel ma,1 first cle.s, reglller.d mall,
poslage pr.pald, dl,ecled 10 Ihe add'.".1 .hown near Ihe beginning 01 Ihl. Morlgage, Any party may change lis addr... lor nollclI und.r Ihl.
Mortgaga by giving lormal wrlllen nollce 10 Ihe olher pa'lIe., .peclfylng Ihal Ihe purpose ollhe notce I. 10 change Ihe party'. .ddre5l. All coplel 01
nollC.1 olloreclolu,e I,om Ihe holder 01 eny lI.n wh,ch has p,'orlly over Ihls Morlgage shall be .enllo L.nder's address, as Ihown ne.r Ihe beginning
01 Ihll Mortgag., For nollca pu,po..., Granlor ag,ee. 10 k..p L.nder Inlormed al all lime. 01 Granlor'. curr.nl addre..
MISCELLANEOUS PROVISIONS, Th. 101l0..lng m,sc.llanaous prOV,.'onl ere. p.rl 01111,. Mortgag.:
Amendmenl., This Mortgagu, lag.lh.r wllh any R.'at.d Documenls, conllllule. Ih. enllr. underslanding and ag,eem.nl 01 Ihe pertl.1 es 10 Ihe
ma"er. III forth In Ihl. Mortgag., No all.rallon 01 or amendmenl 10 Ih,. Mortgage shall be allacllve un Ie.. given In wrlllng .nd signed by Ihe
party 01 parties 10ughllo be charged or bound by Ih. all.rallon or amendmenl,
Appllc.ble L..., Thl. MOrl""ge he. be.n delivered 10 Lend.r .nd acc.pl.d by Lender In the Commonwe.llh 01 P.nn.ylv.nle. Thle
MorlllolGl lIIatt bellOv.rned by end conslrued In accord.nce wllh Ih. Iowa 01 Ihe Commonw.ellh 01 Pennaylvenl.,
Clpllon Hlldll'fgl. Cap lion headings In Ihis Mortgage a,. 'or convenience purposes only and are nol 10 be used 10 inlerpre' or dannl Ihl
provl.lonl ollhll Mortgage,
M.rger. Tllere .hall b. no merg.r ollh. Inl.rOlI or eslale cre.'ed by Ihls Mortgage Wllh any olher Inl.rasl ~r 111011 In Ih. Prop.rty.1 eny "me
hald by or lor Ihe benelll oll.nder In any capaclly, wlthoullh. wrlllen con.enl 01 Lend.r
Mulllpl. '111'... AU obligations of Granlor under Ihls Mortgllge shall be 10lnl and ,,,veral. and all re'erences 10 Grlnlor shall me.n .ach and
IVlry Granlor. This means Ihat ellch 0' Ihe persons signing below is responsIble tor .11 obllg911ons in Ihis Morlgllge.
lev.rllllllly, It. court 01 compelenl ju,lIdlcllon IInds Iny provlllon 01 IhiS Morlgaga 10 be Invalid or un.nlorce.bl. .s 10 .ny peraon or
circumstance, such finding shaU nol render that provlaion invalid or unenforceable as 10 any other persons or Circumstances. If feaSible, any such
oll.ndlng provl.lon .hall be d.emed 10 b. modlfled 10 ba wllhin Ihe IIm,l. 01 en'orce.blllly 0' valldily; howeve" ,f Ihe ollendlng prOViSIon caMol be
'0 modlfi.d, IIlhall be .Irlcken and ail olh.r proviSlonl 01 Ihl. Mo'lgage III all olher ,elpeel. Ihall remain valid and .n'orc.abl.
lucc.uo,.1I\d Alllgna. Subject fo the "mUallons slaled In thiS Mortgage on Iransler 0' Granlor's Inlerest, Ihls Mortgage snail be binding upon
Ind inure 10 Ihe benefl' of the par1les, lhelr heirs, personal representallveG, successors and assigns. It ownership ollne Property becomes vested
In a person oth., Ihan Grantor, le"der, without nolice 10 Grsnlor, may desl with Granlor's suc~e$sors wilh refeflnc. 10 Ihis Mortgage and Ihe
Indebtedness by way of 'orbearance or 811temuon vwllhodl releaSing Gran lor from Ihe obll,.allons 01 lhis Morlgage or IIQbtlUy under Ihl
Ind.b'.dna..
Tim. 1.01 Ihe Essenc.. Time IS 0' the laSlnCQ In the p.rformlll'ICe 0' 1t'l15 Morlgllge
Wllv.,. Ind ConMn'... lendar shall nol be diKImed 10 hll\ltJ wtltved IIny flytlls under Ihls Mortgage (or under lhl Aelaled Documenls) unltss
such walvor i& In wrillng and $Igned by lender No dulay or Ortlt%IOr.' on lho pl.Ht ofl endOr III OllerCll)lng B'ly flghl S/'H],II opera.!. 1$ I wllli".r 0'
SlJch rlynl or any olhl:H flOhl A WiJ!lJer by any pally 01 LI provl'illll1 0' Ihl~) MOlll1i1\Jt-J 5h.IIII1(1l con!illh,h'l J W,Jtvur nf or prollHtu:r: Ihl-} ~hJrlV'~ rlUhl
~on~ I W>O f.\CE
~1a
EX/lIBIT "A"
JRACIIIO. I:
ALL THAT CERTAIN IraCI ot land Illuale In Penn Townlhlp, Cumberland Counly, Pennsylvania, bounded and
dascllbed In acco,dance wllh the Final SubdivillOn Plan for Marlyn E, CallY and Helen J, Casey prepared by Eugane
Alban ~lockensmilh, Regllleted Surveyor, recorded In Ihe herelnafler menlloned Recorder', Office in Plan Book
Page , as lollows:
BEGINNING at an I,on pin III allhe corner of Ihe within described 101 and Lol No, Ion line 01 land now or fo,merly
01 Ha,ry J l,nler, eI UX,; Ihlnce by laid line 01 land 01 linter, Soulh 3 degre.., 42 mlnutll, 23 llcondl Will a dllllncl 01
B94 32 188110 an Iton pin 181 al a COlnlr 01 e pan 01 Lol No, 1 end Ihe wllhln d..crlbed lot; Ihence by Ihe divid,ng Ilnl
belwean a pan ollol No, 1 and Ihe wllhln described 101, North 86 degrees, 17 mlnules, 37 secondl Well, 242,76 1111 to
an lion pill sel althe cotner 01 a 50 1001 widll prlvale rig hI 01 way end Ihll wllhln delCrlbed 101; thene.. by line 01 laid 50 1001
w,dl pllvale righl 01 way, Nonh 3 degr..., 36 mlnullI, 22secondl Easl a dilllnce 0' Og4,32 'eetlo an iron p,n lit Ilthl
.:orno,ol lot No, 1 and tho w,lhin dllcribed 101; Ihlnce by the dividing line belwun Lol No, 1 Ilnd Ihe wilhln dllcllbed 101,
Soulh B6 dog,eas, 17 m,nulos, 37 seconds Easl a dlstane.. 01 244,32 'eel 10 an Iron pin .11 Illhl placl 01 BEGINNING
Conla,n,ng 50000 Acres l'clulIVI 01 thl wilh,n mlnllonld prlvale right 01 way and bling all 01 lOI No, 2 on Ihl
abovI,menl,ona<J Final SubdlvlS,on Plan,
TOGETHER WITH AND SUBJECT TO a 50 1001 wide prlvall ,Ighl 01 way exlandlng along and bllng
ImmedlJhily wl)sl 01 Ih9 WQSlern boundary ltn~s ollols 1 and 2 on Ihfi above.msnllonlld subdiVision plan as shown on $ald
~ulldl'WI:iIOIl plan
TOGETHER ALSO w,lh a IIghl 01 way 10' Ing,ess, egress, and ,ogro.. Over Iho pllvala road laad,ng Irom lR
2100B, al.o known a.thl P'nl Road, 10 thl abovI dllcribld 50 1001 w,dl pllvalo "llht at way, wh'ch IIghl 01 way,s S.'
tarlh "' tho doad Irom Raymond Bonder and Rulh E, Blndor, his wil., 10 Earl Rowe, II aI., recorded ,n Iho here,nal!e,
1110Ilt'01l"~ flocor~or'. Olllee In Dead Book "M", Volume l3, Paqa 426
BEI1I6 the same premises which Harlyn E. Casey and Helen J, Casey, husband and wife, by deed
dated April 20. 1969. and recor'ded April 25, 1989, In t~,e Office of the Recorder of Oeeds In and
for Cumberland County at Carlisle, Pennsylvania, In Oeed 800k "X", Volume 33, Page 349, granted
and conveyed to James H, Casey and la',ra l. Casey, husband and wife, Hortgagors herein,
TRACT 110. 2:
ALL Ih~1 Cen~inlract of I~nd silu~le in Penn TOWl1Ship, CLJmherl~nd Counly,
PcnllsylvUII'u, buunueu and describeu as follows:
BEGINNING al ~n iron pill atlhe Soutl1\veSlern corner of Ihe privale right.of.
WilY shown on Ihe hereinilfler menlioned Subdivision Plan, al Ihe line oC I~nd now or
Inrllleriy of J~me~ Vy,kievich; thence by the Soulhern lerminus of said privale right-oC.way,
501111, ~6 dc~rees 17 minutes 37 SCCOIIUS Easl 50 feel 10 an iron pin; Ihence by lanu now, or
fo, merly uf Ibe Gralllees herein, saiu lanu being shown as LoI No, 2 Qn salu SubdiVISion
Plan, 50ulh 3 degrees 36 minutes 22 seconds Easl 894,32 fee:t to an iron pin; Ihence by Ihe
\OIlIC, SUlIlh 86 ueg,ces 17 minutes 37 seconds East 242,76 feet to an iron pin; thence by
land 1I0w ur formerly uf f1~rry J, Lintner, Jr., et ux" South 3 uegrecs 42 minules 23 seconds
We~1 441 H6 feel 10 ~n iron pin in.liue an iron pipe; Ihence by I~nu now or formerly of Pille
jj",,,k C()r~Or~I'()n, Nunh 66 ucgrce.l 51 lllinulc~ 38 sccunds Wesl 309,81 feel 10 an iron
pipe In a rock pile; Ihence by lanu now or formerly of Lesler It Conrad, et we, Nonh 3
dcgree~, N,rrlh J degrees 36 minutes 22 ~econds East 955,25 feet 10 an iron pin; thence hy
lilnd now or formerly uf James VyskieVlch, Norah 3 degrees 36 minutes 22 seconds Eall
277M feCI to an iron pin, the Place of DEGINNING,
CONTAINING ~ 10lal 101 area of 3.6468 acres (158,855.00 square feet),
Including Ihe poniun or said premises undel and subject tu said privale right-of.way); anu
being LOI No.1 on the Final Subdivision Plan for Marlyn E, Casey and Helen J. Casey, his
wife, recorded inlhe Office or Ihe Recorder of Deeds for Cumberland County in Plan Book
63, P~ge 85
THE ABOVE uescribed premises is being conveyed 10 Ihe Grantees ilS a \01
aUU'llon to Lot No, 2 on said Plan which is already owned by the arantees, Lot No. I shall
he permanenlly combined with LoI No, 2 and maue an imegral pari Ihereof. It shall not
be ,onveyed as a separale builuing lot,
11:1. thl sam. pr.mlses which Harlyn E. Casey .nd Hel.n J" Cas.y,
hh ..If I , by d..d dalld December II. 1991. .nd recorded Oecember 13, 1991. In the
.bo.l-m.nttoned Rlcorder's OffiCI In Dud Book "K", Volume 35, Page Ion. grant.d
and convey.d to Jam.s M. CHOY and laer. l, Casey, husband and wi 'e. Mortgdgors
her. In,
bOO~ 1O~)f1 W,r k I a
Borrower:
JIlm'~~, C'M~ '-, :- ') <. '
L.u..', CaM~ /... LC_
1417 Pin. ROId
Carllll., PA 1701:)
PROMISSORY NOTE
Lender: farmara T'Utl Compan~
Mlln onlc.
On. Weal High Sill. I
Carllll., PA 17013
Prlnclpel Amounl: 160,000,00 Inler..1 Rile: 9,000% Olle 01 Nole: February 20, 1992
PROMISI TO PAY. I p'oml.. 10 pay 10 Finn... T,u.1 Compen~ ("L.nd....., 0' o'dv" In lewlul mon.y ollh. Unll.d SI.I.. 01 Am..IC., Ih.
pllnclpllllllounl 01 al.ty ThouMnd , 00/100 Dolla.. 1160,000,001, tOllllh., Wllh Inl....l ., Ih. III. 01 1,000'110 p.. .nnum on Ih. unp.ld
pllnclpll baI.nc.IIom F.b,u.ry 25, '"2, unlIt paid In lull,
PAYMENT, I Will pay lhl. loan In 33a paymenl. 01 5303.7. IICh paym.nl, M~ n"l ",eym.nlla due M..ch 10, lH2, II1d llleubMqu.nl
paym.nt. Ir' due on Ih. Mm. day 01 .lCh two W..... an.. Ih.l. M~ IInal Plr.m.nl will b. due on Nov.mbe, ", 2004, and will be 10, III
principII II1d IlllCc,u.d Inl....l not ~.I paid, paym.nl. Includ. pllnclpal .nd nl....t. Inlereol on Ihis Nole Is compul.d on . 385/385 Ilmplt
Inlertll buil; Ihalls, b~ .pplylng Ihe ,.Uo ollh. .nnuallnlellsl rei. over Ih. numbar 01 days in a va... limes Ihe oulslandlng prlnclp.1 balanet, Um"
Ih. ...Iual numb.. 01 days Ihe principal b.lanc. 's oulslandlng, I will paV lender al Lender's addra$$ Shown above or al SUCh olhar placa .s L.nd..
mav d11lgnat. In wrlling, Unlesl olh.rwlse .greed or requllld bV .ppllcabla law, pavmenls will be applied ""I 10 eccrued unpaid 'nler'SI, Ih.n 10
princlp.l, .nd .ny rem.lnlng amounllo .nv unpaid colleclion COlla .nd lale charges,
PREPAYMENT, I.gree Ihal all loan ,_ .nd olhar prepaid linanca chargas are earnad lullV u ollhe dala 01 Ihe loan and will nol be lubjtcllo relund
upon .ari~ p.vmenl (whelher volunlary or u a ,esulI 01 delaull). excapl as olherwise required bV law, e,cepl lor Ihe loregoing, I mav paV wllhoul
pen.11y .11 or · poriion ollhe amounl owed earlier Ihan II I. due, eariV pavmanls will nOl, unless agreed 10 bV Lender In wriling, rellev. m. 01 mV
obl'gaUon 10 conllnualo make pa~menls unde, Ihe pavmenl schedule, Ralher, IheV will reduce Ine principal balance dua and maV resullln mv making
lawer p.vmanls,
LATE CHARGE, If. p,vmenlls 15 day. 0' mo.. 1.1., I will b. charged 5,000" ollh. IIgularl~ IChadul.d p'vm.nl,
OEfAlLT. I will ba in delaulllf anV ollhe IoIlowlng happens: (a) Ilaillo make anv pavmenl when duo, (b) I break .nv promise I heve m.delo
Lander, or 11.1110 porlorm prompllv allho lime and slrlcliv In Ihe manner prOlo1ded in Ihls Nolll or anV agreomenl relaled 10 Ihls Nolo. or In .nv olher
.greemerll or lo.n I have wllh Lender, (c) AnV represenlallon or Slalemenl mado or lurnlshed 10 Lendor bV me or on mV bohalf is lalse or mlsltading IrI
.nV malerlal respecl. (d) I die or becomo Insolvenl, a receiver Is appolnled lor anV pari 01 my properlv, I make an uolgnmenl lor Ih. b.nenl 01
credll"", or anV proceeding Is commencod ellher bV me or agalnol me under .nv bankruptcy or inoolveney laws, (e) Any credllor Iries 10 Iek. arlV 01
mV property on or In which Lender hes a lien or sICUllly inleresl. Thlo Includes Il garnlshmenl 01 anV 01 mv accounls with Lendor. (I) ArlY ollh.
avonls deaerlbad In Ihls delault section occu" with respecllo anV guaranlor 01 Ihis Nole
LENDER'S RIGHTS. Upon del.uit, Lendor may deelare Iho onllre unpaid pllncipal balance on IhlS Nolo and ell .ccrued unpaid InlortlllmmedltlelV
dua, wllhoul nOllce, aud Ihen I will p,y Ihal amounl. Lender maV hire or pav someone elsll to help collecl Ihls Nole " I do nol pay, I .Iso will P,V
Lender Ih.1 .mounl. ThiS InclUdel, subjecllo an~ IIm,lo under applicable law, Lender's allorneys' lees and legal ..penses whelher or nollhor. Is .
IawsulI, Including anornays' lees arid legalaxpanses lor bankruplcy p,oceedlngs (InCluding eHorts fo modlly or vacal~ any aulomallc slav or InjunCIIOn),
.ppeals, .nd anV .nllclpated pOSI-judglnenl collecllon services, II nol prohlblled bV applicable law, I aloo wlit pay any court cosls, In addition 10 .11
olher sums provid.d bV law, II Judgmenlls enlered In connecllon Wllh lhls Nole, Irller..t Will conllnue 10 acc'ue on Ihls Nole aner judgm.nl .llh.
..lsUng InlerHI ralo provldad lor In Ihls Nolo, Thl. Nole haa be.n d.lI.ar.d 10 L.nd.. .nd ICclpl.d bV L.nd" In Ih. Commonw.lllh 01
Plnneyl.enll, IIlh.1I I. . 1IIWlUIl, I .gll' upon Lind,,'. IIqu..t 10 IUbmlllo Ih. lu,ledlctlon Ollh. courta 01 Cumbe,l.nd County, Ih.
Commonw"llh 01 P.nnayl..nl., Thla Nol. thell be 1lO...n.d b~ .nd con'lru.d In ICco,danc. wllh Ih. lewa 01 th. Commonw.alth 01
Plnnayl..nl.,
RIGHT Of SETOfF. I granllo Lender. conlraclUlf possessory ltCurlly Inlertllln, .nd herebv .sslgrl, convey, deliver, plo~. .nd ".nlllllo L.nder
III mv righi, 1111. .nd Inler.,1 In .nd 10, mV .cco"nls wllh Lender (whelher checking, savings, or some olhor aCcounl), Including wilhoulllmllellon .11
.ccounts held loInUy with som.one else and all .ccounls I may op.n In the lulure. ..cludlng however all IRA, Keogh, arid Irusl .ccounts, I .ulhOrlze
L.ndor,lo Ih. ."'.nl pormllled by .ppllcabl.law, 10 charg. or seloH all sums owing on Ihis Nole agalnsl.nv and all such accounls,
COUATERAL. Thls Nole Is secured by a Mortgaga deled Fobrusry 20, 1992, 10 Lender on real prope,lv localed in Cumb.rland Counly,
CommonwMnh 01 P.rIllsylvanla, Illllhelorms .nd condlllons 01 which ara hereby incorporated and made a part 01 Ihis Nole,
llENERAL PROVISIONS. L.nder maV dllaV or lorgo .nforcing Iny 01 lis righls or romedies under IhlS Nole withoullosing lhem, I .nd .ny olher
PllSOrI who signs. gu.r.nl_ or endorses Ihls Note, 10 Ihe .>rI.nl allowed bV law, waIVe presenlm.nl. domand for paymenl, prolesl .nd nollc. of
dishonor, Upon .nv ch.ngeln lhe lerms ollhls Nole, .nd unloas olherwlse exprHslv silled in writing, ria parly who signs Ih's Nol., wh.,har .. makar,
guar.rllor, .ccommodallon maker or andOf1ll, Ihall b. relellsed Iiom liability, All OUCh parllas agree Ihal Lender may rerlOw, ..Iend ("PMI.dly .nd
lor .ny Ienglh 01 lime) or modify Ihls lOin, or r....!II .ny party or guor.rllor or collala'al; or 'mplll., lalllo reallza upon or p.rIeel L.nder's ltCurlly
Irlllflllln Ih. cOlIaI.ral; .nd Iak. .ny olhar .cllon deemed necessary by L.ndor wllhoullhe consenl 01 or nollco 10 anVon., n,. obllg.llons uncllr Ihll
Nol. ar'lolnl.nd sev.,.1. This ....nsth.llh. words "I", "m.", .nd "my" mean each and .11 01 tlie persons olgn'ng b.low, If .nv pOrllon 0' Ihls Nol..IS lor .ny 'Mson delarmln.d 10 he un.nlorclSblt, II will nof aHeellhe enlO1ceablll1y 01 .ny olher provisions 01 Ihls Nole,
PRIOR TO S!GNING THII NOli, I, AND EACH Of US, RUD AND UNDERSTOOD AU. THE PROVISIONS OF THIS NOTE, I, AND EACH OF US,
AGRIIl TO THE TERMS Of THI NOTE AND ACKNOWlIDGE RECEIPT OF A COMPlETED COPY Of THE NOTE,
BORROW!":
1
j11llf1dA411 !".llIlm.nt
_ISIAL)
EXHIBIT
i3
x ,"vm.//ucafC2"l::.kl,;J
~Clsiv_
(UAL)
-
2 CF I B.nN"rs Sill ~IC" l1rQllp tnc "'II fight' f.urllsd IP" _ 010 CASa'tJM lNI
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCV MORTGAGE ASSISTANCE ACT OF 1M3,
PlEASE READ THIS NOTICE, VOU MAV BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD VOUR MORTGAGE PAVMENTS,
RE: Account No, I I I D...: , " "
,
TO: , , \ ,
FAOM: .---:.._ , , :~
You, mOflQ'Q' II In .."ou. d./.ull b.c.uI. VOU hevI flll.d 10 plV p,omplly Inl..llmlnll 01 prlnclp.l.nd In.....t, .1 ..qul'ld, 10"
po,lod of It II..t 11.ly (110) d.V.. Th. 101.1 .moun. 01 Ih. d.llnqulncy II $ 1 ,; '_ , Th.. .um Includ.. Ih. following:
I 'I ;,1 1,\ ,. .
Vour mortg.g'll .110 In d,'.ull la' Ih. lollowlng ....on:
(u.. Ihl. p...g,.ph only lI.ppllc.bl.)
You m.y b. .lIglb/.,o, IIn.ncl"IIII.,.nc. ,hll will p....nt lo,,,,,/o.u,, on you, mortg.g. II VOU comply wllh Ih. provlllon. ol.h.
Hom.own...' E.llrg.ncy Mortg.g. A..I,I.nc.Act 01 1883 (th. "Ac'''). Vou m.y b. .lIglbl. 10' .m..g.ncy t.mpo'.rr ...III.nc.1I you,
d,'.ull h.. b..n c.uHd by cl,cum...nc.. b.yond your cont,ol, .nd II you milt tho .lIglblllty 'lqul..m.nl. 01 tho Act.. d.l..mln.d by
tho P.nnlylv.nl. Hou.lng Fln.nc. Ag.ncy, Pl.... 'lid .11 ollh/. NOIIC., II cont,'n. .n IXpl.n.tlon 01 you, "ght.,
Und..,h. ACI, vou.,. .nllt/.d 10. I.mpo,.,v .lIy ollo"c/o.u" on you, mOflg.g.'o, Ihlfly (30) d,y,',om Ih. d." ollhl. NOllc.,
Ou,lng Ih., tlm. you mull .".ng. .nd .II.nd . "I,c'-Io-I.c." m..tlng wllh . "p"..nl.tI.. ollhl. I.nd." 0' wllh . d"'gn.,1d
con.um.. c"dll counllllng .g.ncy. Th, pu'po.. ollhll m..tlng ,.,0 ,".mpl 10 wo,k oul. "p.ym.nl p/.n, 0"0 Olh.,wl.. ..",. you,
d.llnqu.ncy, Thl. m..ling mull OCCU, In tho n", 'It/"y (30) d.y.,
" you .tt.nd . f.c.-I"".c. m..llng wllh .hlll.nd.., 0' wllh . conium., c..dll coun..llng .g..cy Id..III1.d In Ihl. notlc., no lurth..
p,ac..dlng.ln mortg.g,'o,eclo.u" mey Ilk. plec. 10' Ihlrty (30) d.y. .".. 'h. d..e 01 'hll milling,
The naml, add'... and Illlphone number 01 our rtpr..,nllllvl II:
T,'.phon. Numb."
Th. n.me(l) .nd .dd'..I(It) 01 (.) d.,lgn."d con.um.. c..dll coun..llng .g.ncY(I'.) I. (.,.):
III. only n.c....ry 10 .ch.dul. on. I.co-to-I'c, m..tlng. Vou .hould .dvl...hl. I.nd., Imm.dl.I.ly 01 you, Intention.,
II you h,VI trl.d .nd ... un.bl. 10 ...olv. Ihl. p,obl.m .. or .'11, you, "co-'o-I'c, mlltlng, you h.v.th. rlgh.IO .pply 10' IIn.ncl"
...I.llnc. Irom Ih. Hom.own...' Eme,g.ncy Mortg.g. AIIIII.nco Fund, In o,d.. to do Ihlo, you mull 1111 ou., Ilgn .nd III.. compl...d
Hom.own...' Em..g.ncy AIII.t.nco Appllc.tlon wllh ono 01 Ih. dltlgnotod con.um.. credll counHllng .goncl.. II110d obov., An
.ppllc.tlon 10f ...III.nco m.y only b. obl.lnod I,om 0 con.um.. c"dll counllllng .goncy, Th. con.um.. c"dll counllll'g .g.ncy
wlll...I.t you In IlIlIng oul you, .ppllc.tlon .nd will submll you, complllld .ppllc.tlon '0 .hl Ponn.ylvonl. Houllng Fln.ncl Aglncy,
You, .ppllc.llon mU'1 b.lII.d 0' pOllm.,~.d wl'h,n Iltl"y (30) d.y. 01 you, I.co, lo-I.c. m.lllng,
III. ..".moly 'mpo'''nt Ihol you /II. you, .ppllclllon p,omptly. /I you do nol do '0, 0' /I you do nOllollow Ihl Olh., 11m. po"odo 0"
lo,'h In ,hl"II'If, lo"c/o.u" m.y p,oclld .g.lnll you, hom.lmm.dlollly .nd you wll/ '0""1 you, .lIglblfliy 10' .UI,'.nco,
Av.lI.bll lund. 10' om..goncy mortg.gl ...I.tonco oro vory IImllod, Thoy will bo dl.bu'Hd by .ho Agoncy und., tho IlIglblllty
c,It.,I. ..lIbll.hed by Iho Act
II I' IX,,,m.'y Impo".nl Ihll you, .ppllc.llon II 'ccu,lIo ond comp/OIoln .v.,y ,,'pocl, Tho P.nn.ylvonl. Hou.lng Flnonco Agoncy
hll".ly (110) doy.IO m.ko 0 docl.lon ,"or II ..colvo. you, oppllcotlon, Cu"ng 'hll oddlllonol tlmo, no loroclo.u.. p,oco.dlngo will b.
pUrlu.d og.ln" vou If you h.vo mo' Ih.llm. "qu"..nont..1I forth obovo, Vou will bo nollllod dl..elly by thll Ag.ncy 01 II. dlel.lon on
your application
11'11 Plnnsyl"ania l>ioulln
Numb" (111) 110..3800 0'
o Enclosed 1110 is C
19H Thll notlc.l. c.llo
"'IV. under Penn'Vlva"'
du,'ng Iltll 11m. Aloo,
foreclosed upon whll. y
EJtli
.~ leI',
~--
In.nco Agoncy 1.loclled.t: 2101 North F,ont SI"", PO BQ. 8029, Hor"obu'g, PA 11105 rolophon.
1 (toll froe numD..)
C In addition you will rec'lve Inoth.' nOllc. from '''''1 I,nd,' und.r Act e 0'
I." You mUlt re'd lDoth nollc", sine. th.y both ..pllin rlghtl "'I' you now
.....rei$. Y'i)ur righls d.scrlb.d In thl. noli c.. w' clnnol foreclol. upon you
. rrom Ih, Pennsylvania Houling Flnanc. Ag.ncy. your hom, cannOI b.
V.ry Iruly yours,
HIM" "'t.., I 1 'BII
IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF 1113,
PlEASE READ THIS NOTIC:E, YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS,
RE: Accoun' No,
. .. .
, ""1.:1
D.,.:
"JLr,l_ ..1,
" .
, .
TO:
FROM:
; ..1 ~, 1:':
" l,
t 1 L: ~. l I II; \ 1 .11 \ 1
t.., ';dt'J 1: 1\, ~'.. ~ ',.'f".
, :
You, mo,'g.g.', '" ''''ou. d,'.ull b.e,uII you h.vel.lI.d to p.y p,omptly In.t.llm.nl. 01 prlnelp.l.nd Inl"..t, .. ..qul..d, 10"
PI,lod 01 ,I I.... .1.ly 160) d.y. Th. 101.1 .mounl 01 tho d'lInqu.ncy ". . , 1;.,'" , Thll .um Inelud.. Ih. lollowlng:
.. I.' , ,.. \ ' I \ .~.
You, mortg.g.I' .1.0 In d,'.ull la, Ih. 'allowing ....on:
(UII thl. p...g..ph only" .pplle.bl.)
You m.y b. .lIglbl. la, Iln.nel.I..,III.ne. Ihllwlll pre.'nI loreelo.ure on you, mortg.g. il you comply wllh tho p,o.I.lon. 01 th.
Hom.own...' Em..g.ney Mortg.g. A.,I.I.ne. ACI 011883 (th. "Act"), You m.y bI.lIglbl. lorem"g.ncy I.mporory ..,I.I.ne." your
d,'.ull h.. bI.n e.u..d by cl,eumll.ne.. b.yond you, control, .nd " you m.lllh. .lIglblllly 'lI<Iul..m.nll 01 the Ac'.. d""mlnld by
Ih. P.nn.ylvenl. Hou.lng Fln.ne. Ag.ncy, Pl.... ,"d.1I 01 Ihl. NOlie., II cOnl,'n..n ..pl.n.,lon 01 you, "ghll,
Underlh. Ael, you Ire .nllll.d 10 . tlmpo,ery II.y 01 lo..elo,u.. on you, mOrlg.g. la, Ihl"y (30) d.y. I,om Ih. dll. 01 Ihl. NOlie.,
Du,'ng Ih., 11m. you mull .",ng. .nd .1I.nd . "I.e'-la-I.e." milling wllh . ..p....nllll.. 01 Ihl. I.nder, or wllh . d"'gnllld
eon.umer eredll eounllllng .g.ney, Th. PU'POII 01 Ihl, milling" 10 .".mpl 10 wo,k ou/. ..p.ym.nl pl.n, or 10 Olh'''''1I .111/. you,
d.linqu.ney. Thl, m.1I1ng mu.' oeeu, in Ih. n", Ihlrly (30) d.y.,
"you .tI.nd. I.e.-t~.c. milling wllh Ihl.l.nd", 0' wllh. con.um.. c..dll eounllllng.g.ney Id.nllfl.d In Ihl. nolic., no lurtht,
p,oe.ldlng. In mortg.g. 'o..elo.u.. m.y I.k. pl.c. 10' Ihlrty (30) d.y. .11., Ih. d.l. ollhl. milling.
The naml, addr... .n~ 1.lephon. numb., 0' our r.pr,..n..tlv"I:
c.
.-" _4' __, 'I
T.I.phon. Numb..: -
Th. n.m.(.) .nd .dd....(..' 01 (.) d..lgnll.d eon.um" c"dll coun..ling.g.ncy(llI) I. (...):
:tl ,-1.
., ,
II I. only n.c....ry 10 .ch.dul. on. I.el-Io-',c, milling, You .hould .dvl..lhl. lender Imm.dl.I.ly 01 you, Inllnlion.,
" you h.vetrl.d .nd ... un.bl.IO ...olve thl. p,oblem .10' .11" you, I.Cl-lo-I.c. mlltlng, you h... the right to .pply 10' Iln.nel.1
...I.llnc. I,om Ih. Hom.owner,' Emergency Mortglg. A..III.nc. Fund, In o,der 10 do thl., you mull 1111 out, ,Ign .nd III.. compl.11d
Homeowners' Emergency AllllllnC8 Application with on. of the d..I\lnll.d consum., credit coun_lIng ag.nel.. 1I111d abo",. An
.ppllc.tlon 10' ...I,'.nc. m.y only b. obtlln.d I,om . eon.umer credit coun..llng .g.ncy, Th. eon.umer e..dll coun..llng .g.ncy
will ...111 you In IlIlIng oul you, .ppllelllon .nd will .ubmlt you, eompl...d .pplle.llon to the P.nn.ylv.nl. Hauling Fln.ne. Ag.ney.
You' .ppl,clllon mull b. lII.d 0' pOl/m"klel wllhln ,hl"y (30) d.y, 01 you, I.e.-la-I.e. m.lling.
III' .xtr.mlly ImpO"lnI Ih., you III. you, .ppllell,OO p,omplly, II you do no/do '0,0' II you do nol 'ollowlh. olher tlm.perlodl III
lo,th In Ihl, I."er, lo"elatu" m.y p,oelld .g'lnst you, ham. Imm.dlll.,y .nd you will '0".11 you, .lIglbllity la, ."I,IIne.,
Avell.bl. lund. 10' .merg.ncy mOrlg.g. '''I...ne. er. ..ry IImll.d, Th.y Will b. dl.bu,..d by Ih. Ag.ney under Ih. .lIglblllty
e,lterl. .Il.bll.hlel by Ih. Act
II I' ..".m.ly lmpo,IIm Ihll you, .ppllelllon I' .eeu,ll. .nd eomplll,'n ...ry 'lIpee/, Th. P.nnlylvlnl. Hauling Fln.ne. Ag.ncy
hll .IXly (60) d,y'IO m.k.. d.el.lon .,11, II rlc.IVII you, .ppllc.llon, Du,lng Ih.,.ddltion.1 tlm., no loreclolurl p,oelldlng. will b.
purlu.d IgI,ns' you it you hav. mi' 1!'I.lIm. requlr.mlnts I.t forth .bov.. You Will bl noUflld directly by "'lit Aglncy 0' III decision t)n
you, .ppllelllon
Th. P.nn.ylv.nl~ Hou.lng Fln.ne. Ag.ncy III0c'"d II: 2101 North F,ont S"..., PO, Bo. 8029, H.rrl.bu,g, PA 17105. T.I.phon.
Number (71 /) 780-3800 0' l.aotl-342-2397 11011 I'.. number,
o Enclosed Ilia II 0 You hlv. al"ady ,ecllvld C In Iddlllon you will rtc.iy. Inolh., notic. from It'lll ,.nd., under Act e o'
1814, TI"II' notlcl i. cllled. "Notlc. of Int. nil on to Foreclo.," You mull '.Id boUt notic... .Ine, thlY bOltl.JCpllin rights "'I" you now
hlv, und., P,nnayl""nil law How.ver, if you chOOI. 10 ,.,'clse your right. dtlcribed in tnil nOllCI. w' ClnnOI 'or.cIOIl upon you
during thai lim. Also. I' you ree'lv, 'inancill .'III.anc. 'rom ,tI, Pennsylvlnll Houllng Flnlnet Ag.ncy, your homl clnnol bl
foreclos.d upon whlll you I,. flCllvln Ihllls.hitlnel.
EXHIBIT
HEM" A.~ I 1 '8&
~-
V.ry IfulV yours,
- _.2- :.....!-..~__.__.1_ _.: .~~._
NOTICE OF INTENTION TO FORECLOSE MORTGAGE
_____ ____ . .u. _. _ .._. . __. __.___._______.__... u___._____
TO:.
Date of Notice . J,I.r , ,-t l ~ r~~t_.
-'
, ,
i ~ I 1
Loan No. ~~~ '::"! -,
The MORTGAGE held by ___~X-,-l,,__\..,- t_-';';L,'~:::'L L.:.:.:__Hlll; ,;t" "':'I,I~, I, " " ,
(hereinafter we, us or ours) on your property localed al _J.:,~j"',~~,,,-~,-:!- ..;..,~~~, ~_____
...- .n.____.....no .. -..-.--- - - ---"- ---.------.--.-.n-.-.-.~---~1:tJd~.,_, _1..1,
IS IN SERIOUS DEFAULT because vou have not made theltfOdtbi)( pa'vments of $ 'I",'
for the months of --c:.~__~____-,--_ , . ' " , '" , and _~~":~_' ' ,
and/or becausa _____~___
Late charges and other charges have also accrued to lhis date in the amount of ~_, , The lata I
amount now required 10 cure lhis default, or in olher words, gel caught up in your payments, as of the dale of lhis
leiter, is $ _'_L_~'-.~_,__,__ ,
You mav cure this default within THIRTY (30) DA YS of the date of this letter, bV paving to us the above amount
of $ , '____, plus anv additional monthlv pavments and late charge which may fall due during this
period, Such payment must be made eilher by cash, cashier's ,check, ,cerlified ~heck or money order, and made at
____L_~:.....-.:.lJ.~__.___.:.:.____:...:__~.__.L_~.j~_.'.___il,"_'_~_.:~~.~~'':.! I...,' t:..::' :.1.1 !~l, r , ,:
I f you do not cure the default wilhin TH I RTY (30) DAYS, \W intend to exercise our right to accelerate the
mortgage payments, This means that whatever is owing on lhe 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 defaull is not made within TH I RTY (30) DAYS, we also intend to instruct our attorneys to stilft a
lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed your mortgaged property will be sold bV
the Sheriff to pav off the mortgage debt, If we refer your case to our attorneys, but you cure the defaull before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
$50,00, However, if legal proceedings are started against you, you will have to pay the reasonable attorney's fees even
if they are over $50,00, Any attorney's fees will be added to whatever you owe us, which may also include our
reasonable costs, If you cure the default within the thirtv dav period, VOU will not be required to pay attornev'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 clay period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale,
You may do so by paying the total amount of the unpaid monthly pllyments plus any late or other charges then due,
as well as the reasonable attornev's fees and costs connected with the foreclosure sale and perform any other require-
ments under the mortgage, It is estimated that the earliest date that such a Sheriff's sale could be held would be
approximaleIY~:'':'L,i~~, 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 defaull will increase the longer you wait. You may find out at any time exactly what
lhe required payment will be by calling us at the following number: ::'. J- ':', 1 ~ , This payment mUSl 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 righl to remain
in iI, If you conlinue 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
PRCPERTY 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 SATIS~IED, 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 LT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FORECLO
If you cure rht' default, the mo
YOll are not ,mtltled to thiS rt'lhtto
EXHIBIT
F
the same position as If no default had occurwd However,
h,1rI three times in any calendar ~f!ar
1'111 I".,
...,<,
1',1 ,....,,,,,
Bv
,; '..,,:
~o TICE._J)F_'-N.!~rJ. TIQ~(!9-'!Qf!~J;LO~E MQR!.GAGE
TO:.
, I~ r . , .
'.. h ~., '.
, " \ I ~) 1 ... ., I {
D.tl of Nollel
Jl"-':. '..:'..!.__~-i_
: l ~;. J, " l ',( ~'.
lOin No. ~___U.~I(__.I.: 'j'l
The MORTGAGE held by d-.:::.::J.:....J....:.,..:.~_'.,j.;.::.l~----L.l~~..iL....-(. oJ ";llun," "('
(hereinafler we, us or ours) on your property localed at -~..J2ll-l.;.,..I~. "q" I" , . .
~:.:,..
IS IN SERIOUS DEFAULT because you have not made the RiOriUiJy,payments of $ :(. , '; (
for the months of ' ~__, ; ", ,I ~:LL~~' ,and _Jll'..:...~.Li.:"'"
and/or because __'m_..___._
Late charges and other charges have also accrued to lhis date in lhe amount of , The total
amount now required 10 cure this defaull, or in olher words, get caughl up in your payments, as of the date of this
lelter, is $ 1, 1:~"
You may cure this default within THIRTY (30) DA YS of thll date of this IIIUllr, by paying to us the above amount
of $ _.lLJ"-:~n""_ -__, plus any additional monthly payments and late chargll which may fall dUll during this
period" S~,c~ LP~~:~~_~~~t, ,b~ ,mrd~ .ei;l:~er ,b~!"c,a:h:.::c.~"~i~r:~ ~h~~,~k'l ~~rlt~ied check or money order, and made a~
It you do not cure lhe default wilhin THIRTY (30) DAYS, WIt intend to exercisll our right to accelerate the
mortgage payments, This means that whatever is owing on the original amount borrowed will be considered due
immediately and you may lose the chance to pay off 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 attornllYs to start a
lawsuit to foreclose your mortgaged propllrty, If the mortgage is forecloslld your mortgaglld property will be sold by
the Sheriff to payoff thll mortgage debt, I f we refer your case to our altorneys, but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable altorney's fees, actually incurred, up to
$50.00, However, if legal proceedings are started against you, you will have to pay lhe reasonable attorney's fees even
if they are over $50,00. Any attorney's fees will be added to whalever you owe us, which may also include our
reasonable costs, If you cure the default within the thirrv day period, you will not be required to pay attorney's fees,
Wa may also sue you personally for lhe unpaid principal balance and all other sums due under the mortgage,
It you have not cured lhe default wilhin the lhirty day period and foreclosure proceedings have begun, you still
have the right to cure the default and prevent thll salB at any time up to onll hour before the Sheriff's foreclosure sale,
You may do so by paying the total amount of thll unpaid monthly pllyments plus any latll or other charges then due,
as well as the reasol/able attorney's fees and costs connected with the foreclosure sale and perform any othl1r require,
ments under the mortgage, It is estimated that the earliest date that such a Sheriff's sele could be held would be
approximately . Pi'll: . , '" , A notice of the date of the Sheriff sale will be sent to you before the sale, Of course,
the amounl needed to cure the default will increase the longer you \Vait. You may find out at any time exactly what
the required payment will be by calling us at the following number: :<43- ';'21 '-._, This payment must be in cash,
cashier's check, certified check or money order and made payable 10 us at the address staled above,
You should realize thaI a Sheriff's sale will end your ownership of the mortgaged property and your right to remain
in it. If you continue to live in Ihe properly after the Sheriff's sale, a lawsuit could be started to evict you,
You have additional rrghts to help protect your interest in the properly, YOU HAVE 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 BHIALF, 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 FORECLOSU
tf VCI!I CLlre the default, the mortga
YOll are not enl'lled to thiS right to CU
same pO,Iitio" as tf no default had occurred However,
three limes in, any calendar year
I .
1/, If, . ,.
Bv __.., ',".. '"'__.
1'111- !.0I, .'., 11-\ :t1~:""
,,~~j~V,;--_:~\';;/- -,
;j!\)}iJ,."i
;':1 ~',i_ ,,:,:',' !;',
'>-,',')ii,I'trl'!_-,\I,i
;~_~i,\j!,_\~.l/-'_; -'
I ;., ,-,I' ~f: ,_,.'_Il
,<_\\,~~U-li!--!'
ii\~~,(f ~_.~;,I~}P,,\\<1
,'-~"Lt'Ii'llr1f,,-d'I,' I
'-_'(_\~H ">;" II,~I~ Ji':'
'\{:.t,-,"",_'f
;~':liffill
I,;j~"~'.~':~~;;-;_i,j_ ,I',
'-'111',_" "it'I' I
~\Iirl' }", ' i I,' '
l~t,':i:~:,::;;,::,
l,h,. I,! '-~ -',I. .. ".,)'
"l,_ri~,j,h,- 'j"
df!--~Vt',;--, ,,>.. ..
r\'t'l.,"".l'.,:,'i'-C,,'
~,', -"1"1 "
~~0t',~} ·
~iII("~!i'l'''F\-;,t~r "r'.~\)' I ';i-'
"",v';;fi,/,I;{,'li..,
\," .,' I
~;:;(~i),lr U..,
~I~:;'\l',!;' ':i'.:,
I~-:i~t':;i' ,I,'"
)\.,1.".. h"/, ,
,~I/r.;::'; , '.,-;1
li~_:_'.':(_:llj{""'" J
'1lt<,t'f;1;r"'J., '
~;%\) ,;) I ~,
1;:){:?,;"'\'" I
~(lllli'"",:,,\
rJ,;?,:,;\
~~~f1~'J'!';)
~~.iz'r\,}r:,"'o,
,,; c'" 'I"",L"
U1~'~U;'~~,!?"": ','
iJ"J '" c'
tii"",,,,,,
);",d';':, ,
~;y:[-,;~{,~' -,
E;\{,r!\',!,~J1
.,,';1"1""/'><,1',"
i1~:~1:\:L':;:'I', "', '1 i
f'i:~:?'i.,'i" "
I,.'i'
,].:,
'If'
'It.
,,'(,
'il
;;",il
';:\,
ii'
"J'"
_, "_.,,L~"" .I....".,..
,i,~,
@)
'i I
. ,
10 3Z iIli '9~
SfP 21
"
c', ,:,mli
':U:II,," " .' \H'l~':r.\~y
'i, . ,I"ID (t~;~i'1Tl'
!" . 'I,~ ~ l' l '. ,'.!.' j\
, ,
':
51>
-
"
"
5-
45'2
l,
Cf, ~7fO
,) f
/.l/-t- /lI)- j
(ij)
d- '33
,
,
8'
"
..
"
",
,I,
I
,
,01
"
r'T'"
r
5
!
f
.
.. .f'
..
.
.:
-'"
.
,
.
,
....~.,-
,