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4. Said note and security agreement and said real estate
mortgage have not been assigned.
5. JACK J. KOHN and BARBARA M. KOHN are the sole record
owners in fee simple of said premises subject to said mortgage,
by virtue of a Deed dated and recorded on OCTOBER 10, 1986, and
recorded in the Cumberland County Recorder's Office in Deed
Book "F", Volume 32, Page 854, 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 months of
JULY 10, 1994 to SEPTEMBER 10, 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 JULY 21, 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 JUI,Y 21, 1994, a copy of which is marked Exhibits "F" and
"G", and attached hereto and made a part hereof by reference.
9. By reason of the aforesaid default, the entire
principal balance of THIRTY TWO THOUSAND FIVE HUNDRED
TWENTY-FOUR DOLLARS AND 36/100, ($32,524.36) with interest
thereon at the rate of eleven point twenty-five (11.25%)
percent per annum computed from July 10, 1994, accruing
insurance premiums, attorney's fees in the amount of ONE
THOUSAND SIX HUNDRED SIXTY-FIVE DOLLARS AND 21/100 ($1,662.21)
are now due and payable.
10. The Defendants are liable to the Plaintiff for the
following on said mortgage loan:
A. principal amount due through
september 19, 1994:
$ 31,548,34
B. Interest at 11,25 from 07/10.94
to 09/19/94:
D. Attorney's Collection fee:
$
$
$
$
enter
976.02
C. Late Charges:
1,662.21
TOTAL:
WHEREFORE, Plaintiff prays the Court to
34,186.57
judgment in
favor of Plaintiff and to order the foreclosure and sale of the
mortgaged property and for the amount of THIRTY FOUR THOUSAND
ONE HUNDRED EIGHTY SIX DOLLARS AND 57/100 ($34,186.57)
together with interest thereon, costs and all other amounts
advanced by Plaintiff.
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Duncan, Esquire
for Plaintiff
1 Irvine Row
Carlisle, FA 17013
(717) 249-7780
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FARMERS TRUST COMPANY
SHORT FORM REAL ESTATE MORTGAGE
Under Ad 01 Juoe Z, 185', p, L, 451
:':, :', ":JFfICE OF Tile
[CO:" y: ..it OF OF.F:DS
.: ,',' ':':,lIlTY - P.'"
WITNESSETH TillS MORTGAGE MADE the 1 Oth day 01
October,
'86 OCI 10 Pit It 10
.. 86,
BETWEEN JACK J. KOHN and BARBARA M. KOHN, husband and wife, of 117 Washington
Avenue, WlUlamstown, New Jersey 08094,
lhel'elnalter whether Ilolular or plural, caUed the Mortgagorl
AND FARMERS TRUST COMPANY at Carlllle, Penolylvaola, R corporation ullllog under the law" ollhe CORl'
mODwealth 01 PeonlylvaoJa (hereloalter caUed the Mortgagee) WUnesseth:
WHEREAS. the laid Mortlalor, by bood 01 even dole herewith, Iland" bound unto the Morlgagee In a cerlaln prin-
cipal .um, conditioned lor the paymeot 01 Thlrty-elght Thousand
DOLLARS It 38,000.00 I and all addUlonal mooey" advaoced by the Mortgagee, with Inlerest lhereon IroRl
the date at the nte provided 10 .ald accompanying bood, In monthly payments 01 nolles"
thin Three Hundred Ninety-eight and 72/100 OOU,AIIS
It 398 aDd 72 cent.) lrom the date hereol, to be applied monlhly al Interest on the prln.
clpal amount 01 the oblllallon, or the reduced amount thereol, and the balance 01 IBid paymentl 10 bc appllcd 10
reductloD 01 the principal lum, until the principal amount 01 the obllgallon and addlllonal advances and olher
ebar,lI made to the Mortgalor or made lor the protection 01 the mortgage .ecurlty with Interest I. paid In lull, All
other term. aod provlllonl 01 laid bOild are lpeclflcally Incorporated herein by relerence and made a part here-
olal II .et out verbatim herein, LATE CHARGES: 5% 01 monlhly paymenl15 dllY' or more late,
NOW. THEREFORE, the IBid Mortgagor, In consideration 01 the lums advanced by or 10 be advanced by lhe Morl.
,a,lI, the receipt whereolll hereby acknowledged, aad lor securing payment and perlormance 01 laid recited Bond
a. aforllald, doe. hereby IranI, bllrgaln, 1111 and coavey unto lbe laid Mortgagee, III lucceno.. and aullnl,
ALL: that certain tract of mountain land situate in the Township of Lower Mifflin, County
of Cumberland, Commonwealth of Pennsylvania, bounded and described as follows:
BEGINNING at a corner of land of Bertha J. Keister and Chal'les Clouse; thence by
said Clouse land, North 47 degrees 15 minutes West, 43.25 perches to a chestnut oak; thence
by land of Frank Hemminger, North 68 degrees 15 minutes West 17.2 perches to a black oak;
thence by the same, North 47 degrees West 31.5 perches to an Iron pin; thence by land of
Barrick Heirs, North 74 degrees East 30.3 perches to stones; thence by the same, North 18-1/4
degrees East 3 rods to stones; thence by land of Bertha J. Keister, South 47-1/4 degrees East
84.4 perches to an Iron pin; thence by the same, South 42-3/4 degrees West 24,7 perches to
the Place of BEGINNING.
CONTAINING 15 Acres on which there Is erected a concrete block building with malllng
address of R. D. 14, Box 469, Newville, Pennsylvania 17241.
SUBJECT, however, to a right-of-way along the old Blain and McCrea Road to K. P.
Smith, his heirs and assigns, and TOGETHER with the right to use same from Township Road
1'-413, known as Pipeline R>ad, to and through the above-descrlbed tract,
BEING the same premises which Pearl Bailey, Executrix of the Last WIl1 and Testament
of William E, Halley, a/k/a W. E. Bailey, Deceased, et al., by deed dated October 1986, and
Intended to be recorded contemporaneously herewith In the Office of the Recorder of Deeds
In and for Cumberland County at Carlisle, Pennsylvania, granted and conveyed to Jack J.
Kohn and Barbara M. Kohn, husband and wife, Mortgagors herein.
ANYTtIINa IIEREIN CONTAINED TO TilE CONTRARY NOTWITIISTANDING, THE
PRINCIPAL AND INTEREST IIEREIN MENTIONED SIIALL BE PAl[) IN FULL BY
OCTOBER 10, 1991.
IXHI.IT
4
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GENERAL PIlOVISIONS INClhlPOIlATED BY IlEFE'U~NCt: AND NOT' 10 II.; RI-:COIlOEil IIERE WITII
The followln,ls a copy ollhe general provisions, coVenantl, eondUlonl and obllgatlonl contained In Ihe Stlpullltlon
of General Mort,age Provisions which are Incorporated by relercn~e as an Inlegral part 01 the lore,oln, Mort,a,e,
by virtue of the Ad of June 2, 1858, P. L, 4112,
STIPULATION OF m:Nt:IlAI. MOIlTGAGE PROVISIONS
By Farmers Trust Company, Carlisle, Pcnnsylvanla
THE FOLLOWING general provisions, covenants, conditions and obligations shall be an Inte.ral part of any mort.
lale here alter recorded In Ilny County In Pennsylvania In favor 01 Ihe undersigned, herein termed the Mort,a,ee,
when such subsequently recorded mortgage npr..sly provides lor lhe Incorporation 01 the lollowlng general provi-
sions, covenants, conditions and ohllgatlonl as an Integral partlhereof by relerence to lhls recorded stipulation,
ADDITIONAL ADVANCES, The Morlgage and Ihe lien thereol Iha'l be security not only for the original Indebt.
edness evldeoced by the accompanying Dond, but also for any olher sums thot may be loaned or advanced by the
Mortgagee to the Mort.agor at any tlmc or times herealler,
PAYMENT OF TAXES, INSURANCE PREMIUMS AND OTm:R CHARGES.
From time to time, until the debt and Intere.t are lully paid, Mortgagor .hall pay and dl.charge, when and as the
same shall become due and payable, all laxe., allellments, sewcr and water rents, and all other charges and
claims a..esnd or levied by any lawful aulhorlly upon any part of the mortgaged preml.e.; pay all ground rents
reserved from the mortgaged prel11l.e. and pay and dl.charge all mechanic.' lien. which may be flied agaln.t said
premise. and which .hall or mlghl have prlolty In lien or paymenl 10 lhe debt .ecured hereby; pay and dl.charge
any tax which may be levied by any duly con.tlluted aulhorlly apon Morlgagee on aecounl 01 or mea.ured by lhe
amount of debt due hereunder or under Ihe accompanylngllond; provide, renew and keep alive such pollde. of haz.
ard and lIablllly In.urance 85 Mortgagee may from lime to time require upon Ihe building. and Improvement. now
or herealter erected upon Ihe Mortgaged preml.e., wllh 1081 payable dau.es In favor of Morlgagee as lis Intere.t
may appear.
MAINTENANCE AND REPAIR OF MORTGAGED PREMISES, Mortgagor Ihall maintain all buildings and Im-
provements subJed to thl. Morlgage In good and .uh.lanllal repair os delermlned by Mortgagee, Mortgagee shall
have the right to enter upon Ihe mortgaged premise. 01 any reasonable hour lor lhe pnrpose 01 In.pecllng the order,
condition and replllr of lhe building or building. erected Ihereon, and 10 make any needed repairs.
NON.PAYMENT OF TAXES, INSURANCE, OTJlER CJlARGES, AND COST OF REPAIRS, In the event Mortgagor
negleds or relu.es 10 pay the la~e., Insurance premiums or other charge. above nlentloned, within 30 day, after the
same become due and payable, or lolls 10 malnlaln lhe buildings and Improvements os aforesaid, then Ihe Mortga.
lee, may, atll,'optlon bul wllhonlany obligation 10 do so, advance Ihe .ums required and add any amounts so ad-
vanced to the principal debl secured hereby, and collect Ihe same a. a part 01 the prlndpal debt.
"TRANSFER OR ENCUMBRANCt: OF MORTGAGED PREMISES, Morlgagor agrees not to transfer title to the
mort.aged premises unless Ihe Morlgagee eonlents In wrlllng 10 .nch Iransfer, A transfer to lhe .urvlvor or devl.
sees or heirs 01 the Mortgagor or a .ale by his personal representative. In the evenl 01 the Mortgagor's death Ihall
not come wlthla the prohlblllon of Ihe foregoing lenIence. Mortgagor oliO covenants and agrees not to create nor
pe.mltto accrue, upon all or any part of lhe morlgaged premises, any debt, lien or charge which would be prior to,
or on a parlly with, the lien of this Mor/gage.
REMOVAL OR ALTERATION OF IMPROVEMENTS, Morlllagor agreel not to remove, demolish or make any lub-
ltantlal alterllllons to any Improvements now or herealter localed on the mortgaged premises unless Ihe Mortgagee
consents In wrlllngtherelo,
ASSIGNMENT OF RF:NTS. MorlgallM assigns and lronslers unto Morlugee an,Y and all renl. from lhe mortgaged
,remlles, and authorlzel the Morlllag.e ,.1 any lime lhere Is a dtlaull under Ihe Morlgage or accompanying Bond,
to take possession 01, renl, repair, and operale said preml.es and, oller deducting all costs 01 eolledlon, operlltlon,
repaln and admlnlstrallon, 10 apply lhe balance of the rents received on accounl of Ihe obllgallon of Ihe Mortgagor,
Mortgagee IhaU have full power t.llea.e or renew leases upon such terms and conditions as 10 Morl,agee may
leem proper or desirable,
ACCELERATION OF MATURITY ANI) FORECLOSURE PROCF.EOINoS UPON DEFAULT, In eose delaull be
made by lhe Mortgagor In lhe pllyment of any Inslallment 01 principal, Inlerest, or olher sums payable under the
terms of this Morlgage or lhe accompany In, 1I0nd, and lbe 10101 arrearag.. are equlvelant to two conlraded monlh-
I, InstaUmellt payments, or In lhe event of a breach by Ihe Mortgagor 01 any of lhe olher obligations, covenants,
conditions and Igreements setlorlh In this Morlgage or In the accompanying hond, lhen and In luch cOle Ihe entire
unpaid balanu of the Indebledness Including advances and all olher lums paid by the Mort,agee in accordallce with
the terms
"Mortgl,or .grees nollo lrander 1I11e. legal ~r equitable. unlus Mortgagee consenl. In wrlllnglo such
transfer. This pr('vlslon Is lor prevenllnll '\lIreements o' Sale for purposes olher lhan pllsslngle,allltle
within 180 days of .I,nlng said ,\greemenl of Sale,
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TOGETHER with all the buUdlnl., Improvement., and appurtenancn whutloner lher..unto beron.ln., and the re-
v.nloa. aDd remalDdere, reate,I..un aDd prollll thereol and al.o to.ether wllh all heuUnl. plumhlnl, cooklnl and
IIlhtlnlllsturn aDd equlpmeat, aad all .crtea., .torm wIndow., Ilorm doon, awnlnl.. and Ihadn, now or here.
aller altached to or Installed In or Uled la coaaectloD with the reol ..lIate above de.crlbed.
TO IIAVE AND TO nOLO the .ame anto aad lor the ale 01 the Mortlallee, II. Incce..ora or Alsllnl lorever.
PROVIDED, however, that II the .ald Mort.allor .blllI pay and perform, accordlnll to the condlUons hereol aad
laid Doad, everythlnl to be paid and performed a. afore.ald, then the e.tate hereby conveyed and IraDled .hall
become DUU aad void,
BY THE EXECUTION and delivery 01 thll Mortlale aad 01 the Bond aerured hereby, the partie. hereto allree that
there are adopled and Incladed herein, lor any ud aU parpo.es, as an Intpll.al part thereol. by relerence,the .ame
a. II ut Inrth verbatim herein, all the leneral provl.loa.. covenant-, conditions, and obllllaUon. contaIned In the
Stipulation 01 General Mortlale Provl.lon. recorded by the Mort.a.ee In the ol'lce 01 the Recorder 01 Deed.. In
Cumberland County Mortlale Book 441 Pale 441
PROVIDED, HOWEVER, that II the Mortlalor ahall pay all 01 the arornatd Indeblednell. Internt aDd other
amoallil which may be owlnl hereander or under the ae~ompanylnl Bond, and shall rully perlorm all the coven-
anll, condition. and alreemente .et lorth or Incorporated herein and In said Bond, then thla Mort.ale Ihall be void
and releaaed at the upenle 01 the Mortlalor, aDd the ntate hereby Iranted and conveyed Ihall be void,
WITNESS the dae neeatlon hereof the day and year IIlIt above written.
SIGNED, SEALED AND DElJVERED
IN THE PRESENCE OF
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Jack J. Kohn
_,_ _ .~;:._~ ~SEAL)
kr~::J?~(SEAL)
__ _______ _ . __ (SEAL)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
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On tIIIa the 10th day 01 October , A,D, It 86 ,belore
Dla the andenllned olllee, penonally appeared
Jack J. Kohn and Barbara M. Kohn, husband and wife,
..ttdactomy proven to me to be the peno_bo.e name s are lub.erlbed to the within In.trame'1t and
aekaowled.e that they eleealed the .aDl. lor the purposes therein contained.
CERTIFICATE OF RESIDENCE
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IN WITNESS WHEREOF I hereDllto .et my blind ud oIlIelal ual.
My eom.....IoD upIre. (~A-" '1.
NOT Aff'I PtJlJlIC, CAP,lIS~~:~;~~&E-riA;;~-OOutm :J.
MY COMMIS610'i EXPlflES AOOlIW'f 10, 1~1
I e.rtIf, tluit tII. ,"cl.. plae. 01 bu.lae.. o' Mo....... I. Carll.le, Pelllllylva"a.
FARMERS TRUST COMPANY
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0' thl. Mort.... or Ibe .ccomp.nyln. Bond, to.ether with unpaid Interelt thereon, .hlll, at the option 0' Ih. Mort-
"",, Ind wllboul notice, become Immedllllely due .nd payoble, Ilnd 'oreclolurc proceedln.. may be breu.ht
'orthwllh on Ihe Mort.ale or lud.menl m.y be con'....d on Ih. accompanyln. Bond and proaecuted to lud.m.nt,
execullon .nd ..I. 'or the coll.cllon 01 the .ame, to..th., wllh coal. 01 .ull and an attorney'. comml..lon 'or col-
locllon 0' f1v. per contum 01 the tolallndeblednea. or two hundrcd dollarl, whichever I. Ihe larler amounl, Mort.a-
.alor hereby lorever walvea and releaaea 811 erron In .ald proceedlnll, w8lv" .Iay 01 execullon, Ihe rllhl 0' IDqul-
.Itton and exten.lon 01 time 01 paymenl, a.ree. 10 condemnallon 0' any properly levied upon by virtue 0' any
.uch execlltlon, and walvea all exempllonl Irom levy and .ale 01 any properly Ih8t now II or herealter m.y be ex-
empted by law.
SUCCESSOR INTERESTS. The obll.allou, Covenantl, condltlonl and alreemenl. conlalned lu thla Mort.a.e and
Ihe .ccompanyID' Bond .hall be blndlnl upon, aDd Ihe benelll. thereof .halllnure to, Ihe re.pecllve p.rU.. bereto
and theIr reapecllvo penonal repreaenlallv.., heln, .ucconor. .nd a..llu,
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.....44444444*414.....iiij~::..
.'ARMERS TRlJST COMPANY MORTGAGE BOND
FOR USE WITII SIIORT FORM REAL F.STA1'E MORTGAot;
WITNESSETH TIIAT JACK J. KOliN and BARBARA M. KOliN, husband and wire, or 117 Wash-
Ington A venue, Wllllamstown, New Jersey 08094,
(herelnalter whelher Iln,ular or pi un I. called Ihe Obll,or), II held and IIrmly bound unlo F ARMI';R!! TIUJ!!T
COMPANY at C.rlllle, Pennlylvanla, a eorporallon ullUn, under Ihe lawI 0' Ihe Commonweallh 0' Pennlylvanla
(hereln.lter ealled Ihe Obligee), In Ihe lum 0' an amounl eonllsllng 0' Ihree lImnlhe amounl IlIpulaled htlow I..
be p.ld 10 Ihe Obligee In lawlul money a' Ihe Unlled Slain 0' Amerleo, 10 be paid 10 Ihe uld Ohllgu, III c..rllln al.
Iorney, lucceuon or assign., 10 whIch paymcnl well and Iruly 10 be mode, Ihe uld Ohll,or doe. bind hll helrl, n,
eeutorl, admlnlslralorl and assigns and everyone 0' Ihem, jolnlly olld leverally, IIrmly hy Ihel.. prnenh, And al-
Ia condllloned Ihal anylhlng herein provided 10 lhe conlrory nolwllhllandlng, Ills exllrellly underMlood and agr..d
Ib.t the Obll,allon 0' Ihll Hond sholl cover, nl well, IIny lulure advanres Ihal may be mode by Obligee 10 Obligor,
.t .ny lime or limes herulter, provided Ihal 01 no lime may Ihe 10101 bolance due hy Obligor In Obligee hereund.r,
whelher Ihe some reprelcnllln whole or In Ilort, lhe Inlllal advance or any 'ulure advance or advnncfI, exceed Ih.
lum 01 on amounl ronsllllng 0' Ihree limes Ihe amounl sllpulaled below 10 he paid to Ihe Obligee, And Ihe laid Obll.
gor doel hereby empower lhe Prolhonolory or any ollorney 0' any enurl 0' record wllhln Ihe ('ommonwullh 0'
Pennsylvania or ellewhere 10 appeor 'or him and wllh or wllhoul 0 drclorollon lIIed, conl.ss judllm.nl allllnd him
In lavor 0' Ihe Obligee, 110 successors or alllgnl, os 0' any lerm, 'or lhe pellol lum above m.lIl1oncd, wblrh IUIII
Iholllnclude and cover 011 paymenls reqolred 10 be mode by Ihe Obligor In and by lhe terml and condlllon. 0' Ihls
bond as herelnalter let 'orlh, Inrlodlng oliO on oUorney's eommllllon 'or collecllon 0' five per cenlum ollhe lolal
0' all sueb payments, or $20000 whichever Is the larger sum, togelher wllh cods 0' sull: and doe. hereby wolve .la~
0' execullon or olher procell on soch judgmenl, and holdlnglnqulslllon on any real clio Ie levied on hy virtue 0' Iny
writ lued oul on such judgmenlls hereby dllpen.ed wllh and waived ond eondemnallon agreed 10, ..hlcb real e.-
lale may be sold and.. a writ or wrlls 0' f:xeeullon or olber lowlul wrll, and all excmpllons 0' p.rsonlll properl"
'rom levy and sole on any execullon under any law now In 'oree or herealter passed, I. hereby wlllved, and 'orlll.r
Obligor hereby wolves all errors, delerll and Imper'eellons In enlerlnglhe I8ld judgmenl or In Ilny wrll, or pro,
eeedlnglhereon or Ihereto or In any wile louchlng or concernlnglhe some, and 'or Ibe con'elllon Illld .nlry n' su,'h
judgmenl, Ibis Ihall be lulllclenl warrant and aulhorlly,
THE CONDITION OF TillS HONIlIS SUClllhatlllhe above bounden Obligor, his heirs, uecntors, administrator.
or assl.nl IhaD well and truly payor couse 10 be paid 10 Ihe laid Obllg.e, lis lueC.l8on or aullns, wllhln rlvo
(~) Irom lbe dole hereol, the lum 0' Thlrty-eight Thousand and noli 00
DOLLARS (S 38,000,00 ) and all addlllonol money I advanced by lhe Obligee as hupln or olherwlse leglllly
provided. lawlul moneys, alore sold, wllh Inleresl ollhe rale 0' E10ven and . per c.nlum ( 11-1/4 %1 per
annum, In monlhly paymenls 0' not les. Ihlln Three Hundred Ninety-eight and 72/100
DOUARS IS 398 and 72 cents I monlhly 'rom th. dole hereol, or 10 be pllld 01 'ollowI,
LATE CIIARGES: 50/0 01 monthly paymenl 15 days or more late.
ANYTlIING IIEREIN CONTAINED TO TilE CONTRARY NOTWITIISTANlllNll, TilE
PRINCIPAL AND INTEREST HEREIN MENTIONED SHALL liE PAl!) IN FULL BY
OCTOBER 10,1991.
SAID PAYMENTS lo coollnue unllllhe principal amounl 01 lhe Obll.allon, addlllonlll advancu and olber charges
ml.e 10 Obll,or or made lor lh. proteellon ollhe morl.ale lecurlly wllh lolereslls pllld In 'ull,
ANYTIIING IIEREIN provided 10 lhe conlrllry nOlwllhslandlng, Ills upressly undenlood and alre.d Ihalth. Obll-
'Itor 811h1. Bond Ihall cover, 81 well, .ny luIure Ildvunces lhal may b. mlde by Obliger 10 Obllgo" al any 11m.
or limes herealt.r, provided Ihalal no lime may Ih. lIIIal balnnce dlle hy Obll,or 10 ObIlIP. h.r.und.., wh.lh..
lb. .am. rrpreSfnll, In whole or In porl,lhe Inllal advunre or Ilny 'ulur. advanc. 0' Il'h...,.., ",,'..d Iln ,"n"unl
eOllslslln, 01 thrre limes Ibe Imounl sllpulaled hereinbefore 10 be paid by the Oblllpe,
PROVlDf:D FURTIIt:R, and Ills ..pressl~ underllood and agr.ed, lhal the monlhly pllym.nls ",ad. by f1hlll'"
lhaD be Ipplle. lIul to Inleresl on Ihe unpllld balllnee ollh. p.lnclpallllm IlId Ih. remalnd.. lh.,.", .hllll b. tred,
I~' on Iccount 01 Illd lum,
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PROVIDED FURTHER 'mAT the Obligor .hall well and Iruly pay Rlllon. (whlrh .old I.,m "Ia"'." .1'011 where-
ever used ID thll Bond be I.ken .nd held to Inrlude .11 lues. watrr renl. and 011 olher munl,'lp.1 or olher Kovern-
menl.1 ..su.menla .nd rh.rges) whlrh now .nd .Iso all Ihose whlt'h may hue.ner be .ue.sed. levied or
rh.rged .g.la.llhe premlsu gronled la the Morlg.ge ..romponylnlC Ihls Rond .. Ihe ume .h.1I 1.11 due, .nd
sh.1I on or belore tholllnl d.y 01 ,'anuI'y 01 neh and every ye.r produ~e .nd deliver to lhe ObllKee rnelpla for .11
luch "I.xel" for the eo,renl year aSlened upon Ihe morlgaKed p,emlses. and shall .lso bep .nd mllnl.ln .1 .11
limn. In Inch comp.ny or companle. ..Ihe Obll,ee .h.1I .pprov.. n poll.y or pollclu of In.ur.nce Ig.lnstloll or
d.m.ge by lire. or olher rlsk as required by Ihe Obligee, In Rn ~",oll~1 nnl Ie.. IhRn Ihe .maunt due on thll bond
npon the bnUdlng. .nd Improvement. opon Ihe IIld preml.... ood .11 pollclu wh.tloever coverlng Ihe 1.ld 1m-
provemenla, whether la euesl of Ihe required amount or not. .h.1I be duly ..slgned .1 coll.ter.1 llearla,. to the
ObUgeo. .Dd to be by s.ld ObUgee retolaed. .nd .h.1I .110 keep .nd m.lnl.ln the bulldlnls now on the mort.g.ged
premll" .nd .ny bnlldlngs ereded Ihereon while Ihll obllg.lIon sh.1I be In foree, In good .nd lufllclent rep.lr. .nd
Ihell .1.0 forthwith rep.y un*" the Obligee .IIY lum or snml 01 money paid by Ihe Obligee lor or on .econat of .ny
buildings ereeted thereon while Ihl. obligation lhall be In foree. OS above required (which .Ithough not so bound the
ObUgee may pay and malnlaln without Inpalrln, .nyother ollhe rlgh18 hereunder, and at the opllon 01 the ObU,ee
.11 luch p.ymenla or .dv.nees mode by Ihe Obll,ee may be .dded 10 Ihe unpaid balanee ollhe lo.n),
WITHOUT .ny fr.ud or lurther d.lay. Ihen this Boad shall be void,
PROVIDED. however, and It II hereby expressly agreed Ihat II at any lime delault be m.de In p.yment 01 1.ld
monlhly Inlt.llmenls, .ad tot.1 arreangu .re equlvalenl to Iwo (2) eonlraeled monlhly Installmeal p.ymenla;
or delanll be m.de In the p.ymeal of "lues" when due. or Ihe prompl .ad pundu.1 m.lnleaanee 01 1.ld Inlnr-
.nce .ssl,ned .. .fores.ld when due, or Ihe p.ymenl 01 Ihe cosl a\ld premium thereof when dne, whether par-
eh.sed by Ihe Obll,or or Obligee. or 01 aay sum or sums paid by Ihe Obligee for or on aecounl 01 .ny laxel or pre-
mluml or either (which paymenls h.ve nol .llhe opllon of Ihe Obligee been added to Ihe unpaid bll.nee of Ihe
lo.n). or m.latenanee 01 ..Id bulldlngl la good and sufllelenl r.palr aller nollee from Ihe Obligee. or In the event
the balldln, or building. shall be changed or altered, or If Ihe IIl1e. 10 Ihe morlgaged preml.es be Iransferred to
anyone olher Ih.n Ihe survivor of Ihe Obligor, or his heir or devisees, wllhoul Ihe prior willen eonsenl of the ObU-
,ee, or In 18se of .IIY defaull und.r Ihe I.rms hereof or lhe arcompanylng MOrlgage, and sueh default ID .ny one
of Ihese respecls exlsllor a period of thlrly (30) day.; then and In such rase Ihe unpaid balanee ollhe loan Incladln,
addlllon.1 .dvanees and unpaid Interesl .hall,allhe opllon 01 Ihe Obligee, become due and payable Immedl.tely.
.nd paymenl of said unpaId balanre of Ihe loan, addlllonal advanccs and all Inl.r.sl theron and other paymentl
herein .greed to be made by the Obligor may be enforeed and recovered at once. anything h.reln eontalned to the
coalr.ry nOlwllhst.ndln,; .nd a wrll or wrlls of Exeeullon or other lawful writ may be Issued upon Ihe jud,menl
oblalned upon Ihll obllgallon by virtue 01 the warr.nt 01 attorney herein contained, or a complaint In .n actloa 01
mortga,e forclosure may be lIIed upon the aClompanyln, Mortgage and proseculed 10 judgmenl aad execallon
and .ale to recover Ihe unpaid balance ollhe loan. all addlllonal advane.. made by Ihe ObUgee al herein or other-
wise leg.lly provided, all Interelllhereon remaining unpaid. logelher wllh all fees. eostl and expenses of coUed-
In, the .ame, Including aq attorney's eommlnlon of live per eenlum, or noo,oo whlehever Is larger. aaythln, here.
In coalalned to the conlrary nolwllhstandlol; and as a eoncurrenl and eumulallve remedy or opllon for the benellt
of the ObUgee, lis Suceesson or assigns, Ihe said ObUgor does hereby aulhorlze and empower any attorney a. any
Coart of Reeord to .ppe.r lor him In any court of eompetenl jurlsdldlon, to conless judgmeal against him la favor
o. Ibe ObU.ee, II .accIIson or assigns, la aa amicable actloa 01 ejectmeallor posseuloa of Ihe property secared
b)'lII. Mort.... accompanylag Ihls boad, aad dUerlbed Ihereln,
.. II furth.r expressly underdood .nd ..reed Ihal. II any sum or sums 01 nloaey shall become payable un-
der .ay pollcl'l of lasuraac. IMurla. Ihe mort,a,ed premises, or by vlrlue of any condemaalloa o~ takln. of the
mort.a.ed preml"1 for pubUc use, Ibe ObU,ee .haJJ bave Ihe oplloa to receive and apply the same oa account of
IhIe ObU.alloa, or permlllh. ObU,or to receive and use II. or aay pari Ihereof, for Ihe purpose o. r.palrla, the
mort.a..d premlsee, or lor aay olher purpose, wllhoulthereby walvln, or Imparln. Ihls Obllgallon, or Ihe Uen of
th. Mort.... .learln. II, Th. Obll,or hereby expressly assigns and Iraalers unlo Ihe Obligee all sums of moaey
pay.ble lIad.r .uch Insaranc. claims or condemnalloa proce.dlags, aad dots hereby Irrevocably nomlaate, eoall-
lule aud .ppolalth. Obll,.. to aet for Ih. Obll,or .s a Irue .ad lawlul allo,ney for Ibe coUeelloa Ihereof,
.. I, 'arth.r expr"lly and.rsloocl .ad ..reecllh.llhe remedlu of this ObU,allon .ad Ih. ae.omp.ayla,
M.rt.... fo, the .aforum.al of lb. paym.nl a. Ih. prlaclpal .am h.r.by secur.d, lo,elher wllh Inlerelllll.reon,
aM for lIIe ..rrorma... olllle eov...nla. .oudlllo.. .nd a.reemeals. matterl ..d Ihln., h.r.ln eo.I.I.e. .r, ...
DlaI.II,., a" .....'reat ... may be pan'" .1..ly. or IU'''ISlvely, or lo.elh.r .1111. .01. dller.llo. .. lIIe
0....... aM
... I, expressl, aaderet004 1II.11I11e I. 111I, I.slaae. r.fer, 10 bolh I..al a.d .qullebl. 1It1.,
1iM. lIIIJ II a ,.te Hlv. c1e~ latn......
"l.a'_W.",nl, 0Hf. '"D11 ,.,m, Act .1 llOt
1111'1" HaU, lilt., Ifl41'''', 'I.
tEbi~
1B ee~ ,'~C :H~CO-OFfIC! Of TH~
U, lI~t:')nrm OF DlED~
C 1,1'" . ~ ":1'U~lT't.P".
,\lAOI': TN': 9th du~ u, October
of ,m,' I.IJrd fHlt' tho"",,,," /I in" hlllld",'" elghty..hc (1986).
'8& OCt 11,0 u.l'1I1 ~ 09
m:TW':EN PEARL BAILEY, Executrix of lhe Lasl Win and Teslament of WlUlam E. Bailey,
I/k/a W. E. Bailey, late of Upper Frankford Township, Cumberland Counly, Pennsylvania,
Deceased; JOSEPII W. BAILEY and JEAN W. BAILEY, husband and wife; JAMES P. BAILBY
and DELORES J. BAILIlY, husband and wife; HARRY O. HOSLER and DOROTHY HOSLER,
husband and wife; WILLIAM D. BAILEY and FRANCES A, BAlLEY, husband and wife; RA YMOND
C. BAILEY and PIIYLLIS T. DAILEY, husband and wife; aU of Cumberland Counly, Pennsyl-
vania, parties of lhe r1rst purt,
(;1'1"""1' I.
aw'
JACK J. KOliN and BARBARA M. KOHN, husband and wIra, of 117 Washington Avenue,
WlUlamstown, New Jersey 08094, pertles of lhe second parI,
GnJllt",. ..
W/TN A'SSF.TN, tJlIIl ill (1l".id,ratiulI "I Forty-seven Thousand Five Hundred
($47,500,00) Dullarl,
in 114M JJuid, tht 1'I'('~ilJt Iflle""flf j,~ Ii/'r/'hy IIrk"fl/1'tf'cI(/f'tl, th,' /Jaill /Jm"tfJ/' S ,10 A,,,b/l ura,"
and con."v 10 Ih. "aid VI'IIII!""S , their heirs and assigns, as tenants by the entirely,
ALL lhat certain tracl or mountain land slluate In the Township of Lower Mlrnln. County
of Cumberland, Commonwealth of Pennsylvania, bounded and described.. followSI
BEGINNING at a corner of land of Bertha J, Keister and Charles Clouse; thence by
said Clouse land, North 47 degrees IS minutes West. 43,25 perches to a cheslnul oak; thence
by land of Fronk /Iemminger; North V8 degrees 15 minutes West, 17,2 perches to a black
oak; lhenee by the some, North 47 degrees Wesl, 31.5 perches 10 an Iron plnl thence by
land of Barrick /Ieirs, North 74 degrees East. 3U.3 perches to slones; thence by lhe some,
Norlh 18 1/4 degrees East, 3 rods to stones; thence by land of Bertha J, Keister, South
47 1/4 degrees Eut, 84,4 perches to an iron pin; thence by lhe same, South 42 3/4 deirees
Wesl, 24,7 perches to the Place or BEGINNING,
CONTAINING 15 Acres. on which there is erected a concrete block bulldlni with mai1lni
address or R. D. 4, Box 489, Newville. PA 17241,
SUBJECT, however, to a right-of-way along the old Blain and McCrea Road to K, p,
Smith, his heirs and assigns, and TOGETIIER with lhe right to use same from Township Road
T-413, known as Pipeline Road to and through the above described tracl,
BEING the same tract ot land which Clyde .!S.tlllJS8~,ll.rnan and Elsie M, Brenneman,
husband and wire, by deed daled May 14, 1~66/,\'1i /~e 01ril:e of the Recorder of Deeds
In and for Cumberland County at Carlisle, Pennsylvania, In Deed Book "Y", Volumo 21,
Poie 1155, granted ond conveyed to IV, E. Dailey, Joseph W. Dalley, James F. Dalley. /Iarry
G, 1I0sler. William D, Bailey, and Raymond C. Bailey, as equal teMnts In common, who,
with lhe exception or IV, E, Dailey, are the GRANTORS herein Joined ~y their respective
spouses,
W, E. Blllley died October 14, 1970, havlni rlr9t made a Last WiU and Testament which
has been duly probated in the orrice or the Rcgisler of \VIlis In and for Cumberland Counly,
Pennsylvania, and riled to Estale No, 21-7U-603, pursuunt to which Lellers Testamentary
were Issued to his survlvin~ 'pouse, Pearl 1, Dailey, who as Executrix of his Estate is on.
or the GRANTORS herein,
. rJ ;' ,') I''''~ I
I.hel Dill, C,m., Ce" 'e,
'. ,,'oW '," 1t1..rrJ.,
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AND lA, ,ulJ I/m.I", 1 A",'b~ ,.v.""o, aRJ au,., th., they
1II1/1111Q,rn' 'A, P'OI"'I~ A,,,b~ '.RV,~,J,
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: ~~~;~:::::D':' ~t~7 5"~-~1 ~
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IN ll'ITN':$$ lY/U:N':OF, .,.IJ u'"'''''''' hll VI hr,','""'" .,./ thllr h'.R,1I R.d .,'11"
'A, Jau R"d U"O" /i..., R'III'"' ,,'rill,'o. ESTA'rE OF WILLIAM E~ BAILEY, e/k/e W. E. DAILBY
.111111, ..,.In "1I'Il,h~lIf' BY)' ..~irfgil}j, Ex~ufri~~...................G#) '''I,
in ._, IPrrunrr.f (1.../7' ~.n . ./~ ~
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('11I"'/1 "I Cumberland
OR Ihi., Ih., 10th
Ih,' II.",'''il/.rd "IHr..... 111"',,,,,,,11,, ""1"...".1 Flarl BaillY, EXlculrlx 01 the Zllatll 01 William I.
Bailey, elk/a W. E. Bailey, Dlcoased,
.""'4'. to m,' (fh' Iftl/iN!artHl'il/J "U'UI'f'tt) tf) 'H' Ill"11"1'111)11 tt'llOlu' ntlnlO ''''~Hf.'''h'd '0 U,
withl,. i"III,"""I'"', n,uf 1It'~'II"II',,'dtll'l' Ihflt III' 1'1""IIIl'd ,,,, .am.' !u, IIICJ In"',UJHf'. ,_"".,.
,,,o'"io,d, In the upaclly thoroln slaled,
IN lI'IT.v':.~8 lI'III,'RI:'''', I h...."...'II Ar'
"'II It,,,.d ntf" t)tjlt"fll ""111. Ie''''''';''',
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NO'/",,'t",IBUC, CA.U5I.I,CU....I\UND ,'11., r ~".. .
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dov 01 October
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Ih, ""d"I..i,,",d "Hi"" , I"I',"""IIU n/II/I'nml Joseph W. Bailey and Jean W, Bllley, husblnd end wlfl'
Jam.. p, BaillY and Oelor.. J. Bailey, husband and wlfolllerry 0, 1I0sler and Ilorolhy lIosler,
1w,llf.~IIIfcl1'P.wl,(fl WIYMI1lf,bft~w: ~F~M.ces A. Bllley, husblnd end wlfel and Rlymond C.
-m'j~if'" ", 11/1,11',::. xIIHIo",../'~j 1111111'1I"1"1~ '~:"II H'':'''JI'nuJ', I ".1/lIlff' Iltllll"S Ire Iflll'lff";!"" III ,It.,
wi/Iti" '"xl"I"''''"', ulUl "f'/wuII'I""flltl 'hili thy l'UI,/",,1 'h,' /fIW,,' I,,,"h IIIII'IInIlI'/f 1IIn',.;"
rm,I"i/II'd.
IN U'ITNI,'.';S 1I'lIfo,'IUt:()~'. I ''''/'I'IInlo II'" 11111 hnnd fInd ,,'/il';'" lU'n/.
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ttal'AIIY PUlUc, CA~ C:U1I'IWND~'A
IIY ODIlIlIIllIOH Ill""la AUOU8T 10, \1ll1
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NOTl2f9fJ..~T~~T}ON TQ!.Q'!!-q",gSE MORTGAGE
iO:
....... :IL,' .If :ll;.:
l) 'i "I:\!:Ll~.' ot:.:: ',.:,'
'I'} 11..1.. 1:,' '-.l.'.1" l~, I .,' i'n" .. 1:- 1.,
Oate of Notice -;n,t, ZJ:,
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--~-~----
Loan No, iL'.. : I II
1r,,"
The MORTGAGE heldby__,.'...~._~_\_~ _~,'.~~"..~:__.~::::_~,-:___!_)~-,__. "[':'1' dl\:. ;1:1.',. \~'__..;.'.:~.!::~_~~"~! .,1,1
(hereinafter Wfl, us or ours) on your property locatod at .-.:.____,__-:-',,~.,_'.:__~__:._._,__
IS IN SERIOUS DEFAULT because you have not made the monthly payments of $
for the months of .~:' "~_~..______._, _.:..:..I:..:.:..::_-L~___, and
and/or because _..___________..___
Late charges and other charges "ave also accrued to th is 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
I '$ I 'l'
etter, IS +_~~_~________.
,r. .
-' '..1.
'.. i '. 1 l> ~,
You may cure this delault within THIRTY 1301 DA YS 01 the date of this letter, by paying to us the above amount
of $ _~~.,', ~_,_.. ,__ ___, plus any additional monthly paym6nts and la,e 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 al
. .L.l.'l,l.. ..d::'~,: ,-'41,)';1"" i ..!':t I:.:" ,_ .,;LL'('.l, ,...:.al'.L:.~;_i..:., .?\ liG1..:
-_._._---_._--~-~----~--_.-- - -..,--....-..- ....-..-.-.-.-..,.-.-..--.-.-.--- .
If you do not cure the default within THI RTY 130) DAYS, Wl1 intend to exercise 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 payoff the original mortgage in monthly installments. If full payment of
the amount of default is not made within THIRTY (30) DAYS, we also in,end to instruct our attorneys to start a
lawsuit to foreclosl1 your mortgaged property. If the mortgage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If we refer your case to our allorneys, but you cure the default before they
begin legal proceedings against you, you will still have to pay the reasonable attorney's fees, actually incurred, up to
S60.00, However, if legal proceedings a,e started against you, you will have to pay the reasonable allorney's fees even
if Ihey 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 thirty day period, you will not be required 10 pay attorney's fees.
We may also sue you personally for the unpaid principal balance and all olher 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 delault and prevent the sale at any time up to one hour before the Sheriff's foreclosure sale,
You may do so bV paying the total amoun, of the unpaid monthly payments plus any late or othl/r charges then due,
as Wl111 as the reasonable at/orney's fees and costs connected with the foreclosure sale and perlorm 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
approximately ~:,,_'~.':.-, A notice of the dale 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: ," '- j:' 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 remain
in it. I f you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you,
You have additional rights to help protect your interest in the property, YOU HAVE THE RIGHT TO SELL THE
PROPERTY TO OBTAIN MONEY TO PAY OFF THE IVORTGAGE 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
MENiS 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. ENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FOR
If you cure the default,
you are not entitled to this
exH,."
_0
red to the ,same pOSitIOn as " no default had occurred However,
more than thr'Je times In any calendar year.
~llf lllh ,", 11.1 :\l~\"tl
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By J.<.:
,
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. .
NO T/~~Of.j!JT~N.T!ON T9fO ~_EC? 9~!._k1.g!r!'GA G E
_ow ~
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The MORTGAGE held by _~~__c,___~, .:. "r ,I 'L.L~".t ii.!(" .t"",! :,1'; )c']. , ..n i ',\ I
(hereinafter we, us or ours) on your property located at .....'CU ,,~ ,..J.I~C~~l :. k, ,''- ",',.:..1_.
IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ .'.
for the monrhsof ,..', :<:1'.. , ~l.l' """ ,and__,~__i"
end/or because ,------.
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Late charges and olher charges have also accrued to this date in the amount of ..'.. " Ii , The total
amount now required to cure this default, or in olher words, get caught up in your payments, as of the date of this
letter, is $ ~~:.:,-- .
You may cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount
of $ I,.. t . t., ,_'_ ___, plus any additional monthly payments and lete charge which may lall due during this
period, Such payment must be. made either by cash, ca~ier's check, certi!ied .check or money order, and made at
,'L, '.' l' .. :,i:~ t. ~:.: .;' . ..': i'., -'.__.!:_~: ._,~_lS.l~_~:"~~._t::--.:~. L_>~;].J.ll.::'- L~_+2LL-l~
If you do not cure the default within THIRTY (30) DAYS, WIl intend to exercise our right to accelerate the
mo"gage 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, I f full payment of
the amount of default is not made within THI RTY (30) DAYS, we also intend to instruct our attorneys to start a
lawsuit to foreclose your mo"gaged property, If the mo"gage is foreclosed your mortgaged property will be sold by
the Sheriff to payoff the mortgage debt. If we refer your ca$ll to our attorneys, but you cure Ihe default 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 p,oceedings 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 thirty day period, you will no' be required to pay attorney's fees,
We may also sue YOll pe,sonally 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 righ, to cure the default and prevent the sale at any time up to one hO/Jr before the Sheriff's foreclosure sale.
You may do so by paying the total amount 01 the unpaid monthly payments plus any late or other charges then due,
as WIlli as the reasonable attorney's fees and costs connected with lhe 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
approximately __':::...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- :;.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 remain
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 MORTG/,GE DEBT, OR TO BORROW MONEY FROM
ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT'ra 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 NONEXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO
ACCELERATION OR FOR E.
If you cure the default.
you are not entitled to this
red to the sa""! position as If no default had occurred. However,
more than three times in any calendar year
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IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE AS81STANCE ACT OF 1113,
PLEASE RIAD THIS NOTICE, YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS,
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You, mO"l/lgI II In 11,lou. d,',ull beelU.. you hlv. IIUId to PlY p,omptly Inlllllm.nl~ 01 p,lnclp.llnd Intl'.II, .. ,equl,lId, 10' I
period O!,~! .1'''' ~I.~,t~ ,(~) d'~'~ Th. ~~t~I,'~Ou~tof.,-lr~ d~~I~~~~~.~l. ~~ " ...1 ,... : ~:; ~: )', ~ _ l. That ~~~ In~I_~dll' l.t.~~, 'OI~~,I~~:
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You' mortglg. II 1110 In dlllult 10' th. lollowlng ,...on:
(Ulllhl. pI'lg,.ph only If IppIlClbl.)
You m.y b. ./ll/lb/. 10' IIn.n.II/...lllln.. Ih., will p,.v.nl lo,eclo.u,. on you, mortg.g.1f you comply wltllth. p,ovl.lon. 01111.
Homeown.,.' Em.,g.ncy Morlglg. Alllllln.. A.I 01111I3 (th." ACI"), You mlY be .lIglbl. 10' .m.,g.ncy I.mpo,.ry ..lllllne.1f you,
d.'lult II.. beln cluNd by cl,cumlllnc.. beyond you, conl,ol, Ind II you mlllth. .lIglblllty ,equlrem.nll 01 th. Acl.. d.'",mlnlld by
Ih. P.nnlylvlnll Houllng Flnlne. Ag.ncy, PI..,. ,..d III 01 Ihll Nollc.. II conl.'nl.n upllnlllon 01 you, 'Ighte.
Und., Ih. A.', you .,. .nll/l'd 10 . I.mpo,.,y lilY ollo,.clo.u'. on you, mo"g'l/. 10' Ihl,1y (30) d.y,',om Ih. d.te ollhl. Nollc.,
Du,lnl/lh., 11m. you mull '''."g. Ind .1I.nd . "I...-Io-I.c." m..llng wllh . ,.p,...ntell.. ollhl. I.nd.,. 0' with. d"lgnllld
cen.um., .,ldlt .oun..llnl/'I/'''cy, Th. PU'POII ollhll mHllnll I. 10 .1I.mp, 10 wo,k ou" ,.p.ym.nl pl.n, 0"0 olhltwlll """ you,
d.llnqu.ncy. Thl. milling mull oc.u, In Ih. nul Ihl"y (30) d.y..
It you III.nd I '"C..I""".I mHllng with Ihlll.nder, 0' wllh . con.um., crodll coun..llng Ig.ncy Id.nllllld In Ihl. nOllc., no lurlh.,
p,ocHdlngl In mortglg. loroclo.u,. mlY tlk. pile. la, thirty (30) dlY' Illl' th. dll. ollhl. milling,
Th. nam.. Iddret. and t.l.phon. number of our r.prel.nt.llv. II:
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It il only nec....ry to Ichedul. one 'IC",'O-'IC' mHting. You Ihould Idvll'l thl.lender Immedllt.ly 0' your Int.ntlon..
I' you hlv' trl.d Ind Ir. unable to r..olvl thil probllm It or Iftlr your 'ac...IO-'ICI mlltlng. you hlVI thl right to Ipply 'or 'lnlncll.
1..llIlnc. I,om Ih. Hom.own".' Em.,g.ncy Mortglg. Allllllnc. Fund, In o,d., to do Ihll, you mUIIllU out, .Ign Ind fII.. eompl.lld
Hom.own.,,' Em.,g.ncy A.."llnc. Applleltlon with on. 01 the d.llgnlted con.um., cfldlt coun..llng Ig.ncl.. III1Id lbov.. An
Ippllclllon 'or 1..lltanCI may only ;)e obtlinld from. conlumlr cr.dlt coun.llIng Ig.ncy. Th' conlum.r crldlt counllllng ag,ncy
will 1..1.1 you In IllIIng out your IppllClllon Ind wlll.ubmll you, complllld Ippllclllon 10 th. P.nnlylvlnll Hou.lng Flnlnc. Ag.ncy,
You, .ppllclllon mull b.'111d 0' pOllm.,hd within Ihl"y (30) <I.y. 01 you, Ile'-lo-Ile. milling.
11/' 1",'lm.'y 'mportlnl t"" you fill your .ppllc.tlon prom,,'ly. If you do nOl dO '0. or If you do nol lollow t"l 01"" tim' ptriod. ,It
fortlt In ,,,,., ""ff, 'Oflclo,ur. m'f proc,.d .glin,' your hom' Imrn,dl.t.,y .nd you wUl lorf.1t your ellgibllily lor ..'llIlnc.,
AVIUlbl1 fundi 10' .m.'glney mortglg. 1..1.llnc. IF' v.ry IImilld, They will b. dilbU'1I<! by Ih. Ag.ncy und., Ih. .lIglblllty
c",.,11 ....bll.h.d by Ih. Act.
" I' ,,,'r.m'ly Imporl,nt t"" your ,pplic"lon II 'CCurl" .nd comp'.",n .V.". r"peel, Th. Plnnlylvlnll Houling flnlnce Agency
hie li...ty (80) dlyt to mllel I d,clsion after It reCIlvlI your Ipplicltlon, Ouring thltlrjdlllonlltiml. no foreclolur. proceedlngl will be
pUflued Igltnlt you I' you hlv. m.t thlUm. r.quir.m.nts lit forth Ibov.. You will b. noUfled dir.ctly by thl' Ag.ncy of U. decilion on
you'lppllClllon,
Th. Plnnlylvlnia HaUling Financ. Ag.ncy Illocltad It: 2101 North 'ronl SlrH1. PO, 80... 8028, Harrilburg, PA 17105. 1.I.ph'.)ne
Numbe, (1171180-3800 0' 1-800-34~-239111011 "M number)
C Enr:loHd "10 il 0 You "1'" a'reldy I'.c.ivld 0 In Iddltion vou will rec.lv. Inolh.r notlc. 'rom thill.nd" und., Act 8 0'
1114, That noticl II call.d I "NoIiC' of Int,nlion to Foreclol." You mullt rlad bOlh nOllC", sincI th.y both ....pl.in right. thlllyou now
h.v. und., Plnnlytvlnll IIW How'v". it you chao.. to ...."cil. your rlghll dl'C(lbed in Ihls nOlicl, w. Clnnot 'or.cIOIl upon you
during thlt 11m.. AIIO, If you (ee,lv, 'Inlnclll ..lllllnc. 'rom Ih. Plnnlyllllnla !>ioullng (FInane. Ag.ncy, YOUI' home clnnot be
'oreclosed upon whil. you Ir. rec.lvlng thl' I..is,.nc.
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IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE ACT OF '113,
PLI!A8E ilIAD THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE TOWARD YOUR MORTGAGE PAYMENTS.
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You, mo,tglg.I.ln ."Iou. d,'.ull b.CIUI. you hi'. 111I.d 10 PlY promplly Inlllllm.nll of prlnclplllnd Inll..", II required. for I
period of 11111" Ilxry (80) dlYl, Th. 10111 Imounl of Ih. d.llnqu.ncy II . ' ' '.. , Thll .um Includ.. Ih. following:
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Your mortglg. I. 11.0 In d.llulllor Ih. lollowlng rll.on,
(Ulllhll plrlgrlph only IIlppllclbl.)
You m.y b. .liglbl. '0' 1I".ncll/.lIl.llnc. Ihll wl/l p....nl lo,.c/oour. on your mortglg. II you comply wllh Ih. provl.lonl ollh.
Hom.own".' Emlrg.ncy Mortglg. Alllltlnc. ACI 01 11183 (Ih. "Acl"), You mlY blollglbl. for om.rg.ncy I.mporlry alll.lInc.1I your
d.laull h.. bI.n cauold by clrcum.,anclI b.yond your conlrol, and II you mHllh. .lIglblllly requl..m.ntl 01 Ih. ACla. d.'.rmlned ~y
Ill. P.nn.yl.lnl. Hou.lng Flnlnc. Ag.ncy, Pl.... 'tld .11 01 Ihl, Notlet, "contaln,.n ..p/lnlllon 01 you, rll/hll.
Und" th. ACI, you". ,,,III/.d to. IImpo",y .Iay ollo"clo.u,. on you, mo"gal/. 10' Ihl"y(30) day.,.'om Ih. dll. 01 Ihl. No'lc.,
Ou,lnl/ In.1 tlm. you mull ""ng. .nd .It,nd . "1.CI-Io-l.cl" ml.llng wllh a 'lp'l.,nllllvl 01 Inl. Ilndl', 0' "'ifh . dl.ll/nlled
conium" crldlt coun..ling .gency. Th. purpo.. 01 'h', m..tlng J. to .".mpt 10 work out. "Plym.nt pl.n, Of to o'''.rwi.. tlnI, your
d.llnqulncy. Thl. mHllng mull oceu, In Ihl nUl Ihl"y (30) dlY',
II you Illlnd a Ile..I<>Ilc. m.."ng wllh thlll.ndlr, or wllh . con.umer crldll coun..llng .g.ney Idln"fled In Ihl. nollCI, no furthlr
proctldlng. In mortg.gl lo"clolura m.y lak. pllCI fa, thirty (30) dlYI Itt.r thl dall of thll m.."ng,
Th. ".m.. .ddr..~ .nd t.l.phon. nu.mber of our r.pre..nt.llv, II:
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T.llpnOnl Number
Tha nam.(I) and Idd".,,") 01 (I) dlllgnllld con.umer crldll counllllng aglncy(I..) II (Irl):
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It II only nee....ry to schedule on. f.c.to~'.c, mMting. You '"ould Idvl,.lhl,lender immediately of your Int.ntlon..
If you ha.a,rlad and "" unlbl.lo 'lIol,"lhl. probllm ala' """' vour IICI-lo-fICI mHtlng, you hl..lh. ,Ighllo .pply lor IInanclll
...lltlncl f,om thl Hom.own.,,' Emergency Mortgagl ""I.,anCI Fund. In o,da, 10 do Ihl., you mull fill oul, Ilgn and fill I complOled
Hom.own.r.' Em.rg.ncy A.,lltlnc. Appllcltlon wilh on. 0' the dlllgnll.d conlum.r credit ccunHlIng .g.ncl" lI.tld lbov.. An
Ippllclllon '0' ...I.llnc. m.y only b. obllln.d from a con'um,r cr.dlt counlellng .oeney, Th. conium., c;:r.dlt coun..II"; ag.ncy
will 11.111 you In filling oul you, Ippllcltlon Ind will lubmll you, complOlld Ippllcallon 10 Ih. P.nn.yl.anll Hou.lng Flnancl Ag.ncy,
You, .ppllcl'lon mull III Wid 0' pOllm.,kld w"hln Ihl"y (30) d.y. 01 yoo, '"C"-to-'.C" mltllng.
It I. ..tr,m.ly importent tflet you fII. your .pplir"tion promptly. If you do not do '0, or If you do not follow t", oth.r tlm. period. lit
forth In t"i.l.tler, for.closure m.y proc.ed .g.intr your home Imm.di.t.ly Ind you will forf.lt YO/ir .lIglbillty for 11I/11.nc..
A..llabll lund. for Im..g.ncy mortglgl 1I.I..anc. I" .Iry limited, ThlY will bl dl.burud by thl Ag.ncy undl' Ihl .lIglblllty
erltlrllllllbll.hed by Ih. Act
"1' ..tr,m,'y important th.r your application " accur.r, .nd compler. in .v.ry r"pecr. TI'l. P.nnlylvlnl. Houllng Finane. Agency
hi' Ihely (SO) dly.to mak'l d'C;:I,lon Ifter II r.e'lv,' your Ippllcltfon, During th.t additional 11m., no 'or,clOlure proeHding. will be
purau.d .g'lna. you i' you hlv, m.lth'llm, r.quir,m.nt. lit 'orth IOOV', You will b. nOllfl.d directly by tl'lll Ag.ncy 0' Itld<<lllon on
you'lppllcltlon,
Thl Plnn.yl..n,a HaUling FlnanCI "glncy isloCllld al: 2101 North F,on, SI,..,. PO, Bo. 8029. H.rrllbu,g. PA 17105, T.llpnon.
Number (111) 180-3800 or 1-800-342-2391110111,.. number),
C EncloHd 1'10 is 0 You hlV' llre.dy rlc.iv.d a In addition you will recllv. InOI",r nolle. 'rom thil I.nder under ACI e 0'
1814. Th.1 nolic. i. CIU.d I "Notie. 0' Intlnllon to For.clol." You must rlld bOlh notlell, ,I.,e. th.y both I.pllln right. Ihlt you now
hlVI under P.nn.ylvlnlll.w. How.ver, I' you chao.. 10 '.erels. your rig"'" d.lerlbld In Ii'll' not Ie., WI clnnol 'oreCIOH upon 'IOU
during thlt tlm. Alia. i' yt'u r<<'lv, 'In.neill lul.tlne. 'rom 11'1. P,nnlylvl"i. HaUling Flnlnc. Aglnc;:y, 'lour ham. clnnolbl
'orec:loHd upon whll. you Irl r.e.i\llng Ihlt ...i.llne.
HIM. A..., , tll
Very IrlUl.,. yours,
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