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Home My WebLink About95-04516 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 CIVIL TERM 1995 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 isa 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, Defendant, 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 January 20, 1993, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing Five Thousand Three Hundred Forty-three Dollars and 15/100 (5,343.15), a copy of said note 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 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 said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for May 15, 1995, June 15, 1995, July 15, 1995 and August 15, 1995, 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 19, 1995, a copy of which is marked Exhibits "D" 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 July 19, 1995, 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 Three Thousand Three Hundred Sixty-six Dollars and 02/100, ($3,366,02) with interest thereon at the rate of Eight and one-quarter (8,25%) percent per annum computed from June 15, 1995, accruing insurance premiums, attorney's fees in the amount of One Hundred Sixty Dollars and 18/100 ($160,18) are now due and payable. 10, The Defendants are liable to the Plaintiff for the following on said mortgage loan: $ 160.18 TOTAL: $ 3,366.02 WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plaintiff and to order the foreclosure and sale of the A, Principal and Interest due through August 21, 1995 B, Interest at 8,25% from 8-21-95 to 8-23-95: C. Late Charges: D, Attorney's Collection fee: $ 3,203,62 $ 2,22 $ mortgaged property and for the amount of Three Thousand Three Hundred Sixty-six Dollars and 02/100 ($3,366,02) together with interest thereon, costs and all other amounts advanced by Plaintiff. \l\~~CCA William A, Duncan, Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 PROMISSORY NOTE Account ' Borrower: Jam.. M. Caaev Laura L. Caaev 1417 Pine Road Carllale, PA 17013 Lender: Fannarl Trull Companv Main Olflce One Weal HIgh Slreel Carllale, PA 17013 Principal Amount: $6,343.16 Intereat Rate: 8.260% Date of Note: January 20,1993 PROMISE TO PAY. I promlae 10 pay to Fermell Trull Compenv ("Lender'l, or order, In lewlul monev ollhe Unlled Blalea 01 Amerlc.e, lhe principal amounl 01 Five Thouaend Three Hundred Fortv Three" 151100 Dollarl ($5,343.16), logelher wllh Inlereal ellhe rele 011.260% per ennum on Ihe unpald prlnclpel balance from January 21, 1003, unlll paid In lull. PAYMENT. I will pay Ihll loan In eo paymenll 01 $108.73 each payment. My ","t paymantll dUI FebrullY U, 1083, Ind alllUbaequanl pavmentllle dUI on Iha eame day 01 each monlh elfar thai. MV "nal pavmenl Will be due on Januery 16, lUOI, and will be 10' all prlnclpellnd all accrued Intereal nol vet peld. Paymenll Include principal and Intereal. Inlor8$1 on Ihls Nolo Is compulod on I 30/360 Ilmplolnloro'l basis; Ihll Is, wllh the excopUon 01 odd doVS In Ihe firsl paymenl porlod, monlhlv Inloreslls calculaled bV applying Iho raUo ollhe annuallnlorosl rail over I )'88r 01360 da)'S, Umas the oulstandlng prlnclpal balance, limos a monlh 0130 da)'S. Inleresl lor Ihe odd da)'S Is colculated on Ihe basis ollhe actual da)'S 10 Ihe neld fuU monlh and e 3liO-daV voar. I will pav Lendor al Lando(s addross shown abovo or alluch othor place al Lendor mav d8$lgnato In wriling. Unlfl$S olherwlse agroad or required by applicable law, paymonls will be opplied firatlo accrued unpaid Inlorosl. Ihon 10 principal, and anv romalnlng amounllo env unpaid colleclion cosls and lalo chargos. PREPAYMENT, I mav paV wllhoul penallV ell or a portion ollhe amounl owed earlier Ihln Ills due. Earlv plyments wtU nOl, unless agreed 10 by Lender In wrlUng. relieve me 01 mv OOllgellon 10 conlinue 10 make pavments under the poymonl schedule. Ralher, thoy wlU reduce Ihe principal balence due and mev resullln mv making lewer peymenls. OEFAl1. T. I wlU be In delaullll any 01 Ihe lollowlng happenl: (a) I lalllo make env payment When duo. (b) I breek anv promlse I have made 10 Lender, or IIIU 10 rerlorm promplly ellhe Ume and Slrlcllr. In the mannor provided In Ihls Nole or anv agreemonl relalad 10 Ihls Nole, or In InV olher egroamenl or loan have wllh Lender. (c) AnV reprosenlal on or slelemenl made or lurnlshed 10 Lender bV me or on my behallts false or misleading In env malarial raspecl. (d) I die or become Insolvenl, e receiver Is appolnled lor anv pari 01 my properly, I make en osslgnmenl for Ihe benefil 01 credllors, or any procaad/ng Is commenced ellher bV ma or egelnsl me under anv benkruplcy or Insolvencv laws. Howevor, mv dealh will nol be en evenl 01 delaullll as e rosull ollhe deelh Ihe Indeblednass Is fully covered bV credilllfo Insurence. (e) Any credilor kles 10 lake anv 01 mv propertv on or In which Lender has e lien or securllV Inleresl. This Includes a garnishment of anv 01 my eccounls wllh Lendar. (I) AnV ollhe evenls described In Ihls defaulllGCllon occurs wllh respecllo en,' guarentor ot Ihls Note. (g) Lendor In good lellh deems Uself Insecure. LENDER'S RIGHTS. Upon defaull, Lender may declare the enUre unpaid prlncipel balance on Ihls Nole and aU accrued unpeld InlerasllmmadiatelV due, w1lhoul nOllce, end then I will pev Ihal amounl. Lender mev hire or pev lomeone else 10 holp collect Ihls Nolo III do not pev. t also w1R pav Lende, thai amounl. this Includes, subJecl to anv IImlls under eppllceble law, Lender's allorne)'S' lees and Lende(llegal oxpensas whelher or nol there Is a IawsulI, Including eUorne)'S' 100$ end logel expenses lor bankruplcv procll8dlngs (Including efforts to mod/IV or vacale anv eulomallc slaV or InJuncllon), appeels, end anv anllclpaled post-judgmenl collecllon seNtces. U nol prohlblled by applicable law, I elso will pav anv cou~ c~ts, In addlllon 10 all olher sums provided bV law. IIludgmenlls enlered In connocUon wllh Ihls Nole, Inlerest will conUnuo 10 accrue on IhIs Nole aller ludgmenl II the eldsUng Inlerast rate provided lor In IhIs Nole. Thll Nota hal been delivered 10 Lendar Ind accepted bV Lender In tha Commonwaallh 01 Pennlvlvanta. IIlhere II a lawauII, I agree upon Lender'a requeal.o aubmll 10 the lurtadlcllon ollhe COUrll 01 Cumberland County, .ha Commonweellh 01 Pennlvlvanla. Thla Nole Ihall be govarned bV and consl,ued In accordance wllh Ihe lawa 01 Iha Commonweallh 01 Pennavlvenla. RIGHT OF BETOFF, I granllo LendOl a conlractuel p~sessory lGCurllV Inleraslln, end herebV assign, convev, dellvar, pledge, and kanslor 10 Lendor ell mv righi, Ulle and Inlereslln and 10, mv eecounls wllh Lender (whelher checking, savings, or some olher eccounl), Including w1lhoul RmllaUon aR eccounls hold jolnllV w1lh someone oIse and ell eccounts I mev open In Ihe lulure, excluding however eU IRA, Koogh, and Irusl eccounls. I aulhortza Lendor, 10 Ihe eldenl permllled bV eppllcablo law, 10 charge or seloff eU sums owing on Ihls Nole egalnsl enV end ell such eecounls. COLLATERAL. This Nole Is secured bV e Morlgege deted Januer}' 20, 1993, 10 Lender on real proporly located In Cumberland CounlV, Commonweallh 01 Pennsylvanle, alllhe lerms and cond/llons 01 which are hereby Incorporeled end made a parl of Ihls Nole. GENERAL PROVISIONS. Londer mev delay or lorgo enlorclng any ot lis rights or remedies under Ihls Note w1lhoulloslng Ihem. I and anv olhar poraon who signs, guerenlees or endOfSes Ihls NOle, 10 Ihe eldenl ellowed bV law, waive presenlmenl, demend for payment, prolasl end nollce 01 dishonor. Upon env change In Ihe lerms of Ihls Nole, and unless olherwlse exprosslv slated In wrlllng, no pa~y who signs Ihls Note, whelhor as maker, guarantor, aecommodaUon maker or endOBGr, shell be roleesed Irom lIabllllv. All such parties egrea Ihet Lendor mav ronew or exlend (repoeledlr, and lor anv Ionglh 01 lime) Ihls loan, or release any pertv or gueranlor or collalerel; or Impair, fall 10 roallze upon or porfecl Lende(1 secunlV Inler8$1 n Ihe collaleral; and lake Inv olher acllon deemed nocellar}' bV Lendor w1lhoullho consont 01 or nollce 10 anyone. All such parl/os also agree Ihal Lender may mOd,1V Ihls loan w1lhoullhe consenl 01 or nollce 10 anvone olher Ihan Ihe parlV Wllh whom Ihe modlrlcaUon Is made.The obligations underlhls Nole are 100nt and savoral. This moans thallhe words ", 'me', and 'mv'" moen oech and all ollhe persons Signing below. II anv portion ollhls Nole Is lor env reason determ/ned 10 be unenforceeblo, U will not allecllhe enlorceabllllv of eny olher provisions ollhls Nole. PRIOR TO SIGNING THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. I, AND EACH OF US, AGREE TO THE TERMS OF THE NOTE AND ACKNOWlEOGE RECEIPT OF A COMPLETED COpy OF THE NOTE. (SEAL)' Xi~(:f tz{dJOt:;3J ... ur L. Caaev I (SEALI' r, 6"~1C' Oroup, Inc. AIUlghllf...~.d, IPA-020 CA6EYJM LH nl1.ovq EXHIBIT ! I ! RECORDATION REClJESTED BY: Farmer.. Tru.I Company On. We.., HIgh Illreel , Carll lie, PA 17013 1;' ) ,". I, ,.~;:~..,:i.. ",r :..L.:(jS 'I :". 1,....' I, v' 11 i'i '( .. i':, WHEN RECORDED MAIL TO: Fermer. Tru.. Company Ona Wa.t HIgh Slrea, Carlllla, PA 17013 '93 Jr.:! 26 Pi~ II 00 SEND TAX NOTICES TO: Jam.. M. CINY and laura l. C...y 1467 Plna Road Carllll., PA 17013 SPACE ABOVE THIS liNE IS FOR RECORDER'S USE ONLV MORTGAGE THIS MORTGAGE IS DATED JANUARY 20, 1993, between James M, Casey and Laura L. Caaey, owner(a) In fee simple, whose addresa la 1467 Pine Road, Carlisle, PA 17013 (referred to below aa "Grantor")j and Farmers Trust Company, whose address Is One West High Street, Carlisle, PA 17013 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuabl. conllderallon, Grantor granl., belge/n., ..II., conv.ya, .u1gn., Iran,'.r., rei....., connnn. and mortgagea 10 l.nder all 01 GranlCll's rlghl, lillo, and Inloreslln end 10 Ihe lollowlng descrlbod real property, logelhor wllh all exlsllng ll( subsequenllV ereelod ll( a!fllled buUdlngs, Improvemenls and IIxtures; all slrools, Ianos, alloys, passeges, and ways; all easomonls, rfghls 01 w.y, .a UbOl1Jes, privileges, lenomenls, heredllamenls, end oppurlon.nces Ihereunlo belonging ll( onywlse made appurlananl haro.ner, and Iho roverslons and remalndars wllh respecllherelo; all waler, walor rlghls, walorcourses and dllch rlghls (InclUding slock In ulllllles wllh dllch ll( Imgallon rfghls): and .a olher rfghls, ,oyolUes, and prohls relallng 10 Ihe real property, Including wllhoulllmllallon all minerals, 011. gas, goolhormal and similar mallors.located In Cumberland County, Commonwealth of Pennsylvania (the "Real Property"): Deed Book: 33X Page: 349 snd Penn Township The Real Property or Its addresa la commonly known aa 1467 Pine Road, CarliSle, PA 17013, Granlll( presenlly osslgns 10 lender all 01 Granlll('s righi, IlIle, and Inlereslln and 10 011 leases ollha Proporty and .11 Runls Irom Iho Property. In addillon, Granlor granls 10 Londer a Unllll(m Commorclal Code securlty Inloreslln Ihe Personal Proporty and Ronls. DEFINITIONS. Tholollowlng wll(ds shall havo Iho 100Iowlng moonlngs whon used In Ihls MorIgage. Torms nol olhalwlse dennod In IhIs MorIg.goshaD hovo Ihe meanings .lIrlbulod 10 such lerms In Ihe Unllll(m Commorclal Code. All relorences 10 dollar omounls shall moan amounls In Iawlul monoy 01 Ihe Unlled Slales 01 Amorlca. Elllallng Indeblednesa. Tho wll(ds 'Exlsllng Indebledness' mean Ihe Indobledness descrlbed below In Ihe E.lsllng Indobledness _lion ollhls Mortgoge. Granlor. The wll(d 'Granlor" means Jam.. M. C...y and L.ura l. C...y. The Granlll( Is Ihe morlgagll( undar Ihls MorIgog.. Guar.nlor. The word 'Guaranior'" moans and Includes wllhoulllmllallon, each and all ollho guaranlOls, surelies, and accommodollon parlles In conneellon wllh Ihe Indebledness. Improv.m.nt.. The word 1mprovemonls' moans and Includes wllhoul IImllallon all e.lsllng and lulure Improvemenls, fixlures, buildings. slrucluros, mobile homos affixed on Ihe Raal Properly, laclllllos, additions and olhor conslrucllon on Iho Real Properly. Indebledn.... Tho word 1ndoblednoss' means all principal and Inleresl payablo undor Iho Nolo and any amounls expendod ll( advanced by Londor 10 dlschargo obllgallons 01 Granlor or exponsos Incurred by Lendor 10 onlll(ce obllgallons 01 Granlll( undor Ihls MorIgago, logolhor wllh Inlorosl on such amounls os provided In Ihls MOIlgago. Lender. The Wll(d 'lende" means Farmers Trusl Company. lis successors .nd assigns. The Londer Is Iho morlgagoo undor Ihls MorIg.ge. Mortgage. Tho Wll(d 'Morlgago. means Ihls Morlg.ge botwoon Granlor and Londer, and Includes wllhoulllmltallon all asslgnmnnls .nd security Inlorosl provisions rolollng 10 Iho Porsonal Proporly and Ronls. Nol.. The Wll(d 'Nole' me.ns Ihe promissory nolo ll( credll .groomenl daled J.nu.ry 20, 1993, In the original principal amount of $5,343.15 hom Granier 10 Londor, logolher wllh all ronewals 01, e.lenslons 01. modlficallons 01. refinanCings of, consolldollons 01, .nd subslltullons 100Ihe promissory nolo or agreomenl. Personal Property. The words 'Personal Property" moan all equlpmenl, flxlures, and olher a~lcles 01 per10nal prope~y now or hare. nor owned by Granlll(. and now or heroaner allached ll( alli.od 10 Ihe Real Prope.ly; logelher with all accessions, pa~s, and addillons 10. all replacemonls 01, and all subslllullons lor, any 01 such property; and logelhar wllh all p.oceeds (Including wllhoulllmllallon alllnsuranco proceeds and rolunds 01 premiums) from any sole or olher dlsposlllon ollhe P.ope~y. Property. The Wll(d 'PlOpe'ly" means collecllvoly Ihe Ro.1 Prope~y and Ihe Per10nal Proporly. Re.1 Properly. The words 11eal Property" mean Ihe proporIY,'lnloresls end .Ighls descllbod abovol Relaled Documenl.. The words 'Rolaled Documonls' mean and Includo wlthoul Ilmllalion all agroomonls, guaranllos, securlly agroemonls, morlgages, deods of husl, end all olhor Inshumanls, horoallor o.lsllng, exoculod In connecllon wllh Iho Indeblodness. Renll. Tho word -r1onls- moans all proso"1 and fuluro lonls, ravonuDs, lncomo, Issuos, royalUas, Proporly. bilo~ 11 15 rm 14.7 35K 1053 EXHIBIT monls, loan Ihor now or /, ed hom Ihe MORTGAGE (Conllnued) Page 2 THIS MORTGAGE, INClUDING THE ASSIGNMENT OF RENT8 AND THE SECURITY INTERE8T IN THE RENTS AND PERSONAL PROPERTY 10 GIVEN TO SECURE (I) PAYMENT OF THE INDEBTEDNES8 AND (21 PERFORMANCE OF ALL OBliGATIONS OF GRANTOR UNDER TillS MORTGAGE AND THE RELATED DOCUMENTS. THIS MORTGAGE 18 GIVEN AND ACCEPTED ON THE FOllOWING TERMS: PAYMENT AND PERFORMANCE. Exceplas olherwis. provtded In Ihls Marlgoge, Granlar oholl poy 10 Lender all amounts oecured by Ihls MOI1goge .s Ih.y become due, .nd sholl slrielly perform .11 01 Gr.nlar's obllgotlons undor Ihls Morfgag.. POSSESSION AND MAINTENANCE OF THE PROPERTY, Grenlor .grees Ihol Gronlar'o possenlon ond Use ollhe Property shall b. govern.d by lhe loll owing provtslons: Po...u1on and U... Unlllln d.laulI, Granlar may r.m.ln In poss.sslon .nd conlrol 01 .nd op.ral. .nd manage Ihe Prop.rty and collecllhe R.nls ~om Ih. Proporty. Duly 10 Malnlaln, Granlor sh.1I m.lnlaln Ihe Property In len.nlablo condlllon and promptly p.rform .11 repalll, r.plac.m.nls, and molnlenance nec.ssa'Y 10 pres.rv. lis valu.. Hazardoua Subalancla. The l8Imo 'hazardous wasle,' "hezardous substance,' 'dlsposal,' '1.18118,' and 'hraal.nad r.lease,' as used In Ihls MOI1gage, shell havelh. som. m.anlngs as sollorth In lhe Compr.h.nslve Envtronmonlal RHponso, Comp.nsatlon, and L1abllily Acl 011980, as amend.d, 42 U,S.C. S.ctlon 9601, el seq, ('CERCU."l, Ihe Superfund Am.ndments end Reaulhorlzatlon Acl 01 '986, Pub. L. No. 99-499 rSARA'I, Ih. Hazardous Mat.rlals Transporlallon Acl, 49 U.S.C. Section 1801, el seq., Ihe Resource Cons.rvatlon and Recov.'Y Acl, 49 U.S.C. Section 6001, ets.q., or olh.r applicable slat. or Federal laws, rul.s, or regUlations adoplod pUlluanllo any ollhe foregolng. The terms 'hezardous wasle' and 'hazardous subslanc.e' shall also Include, wllhoulllmllatlon, pelroleum and pelroleum by-producls or any ~actlon Ihereol and asb.,los. Granlor ropresenls and warranlslo Lender Ihal: (a) During Ihe porlod 01 Granlar's ownorshlp ollhe Property, Ihere has been no use, generetlon, manufaclure, slorage, Ireetmenl, disposel, reloase or Ihraalened release of eny hazardous wasla or subslence by any p8l10n on, under, or eboutlhe Property; (b) Granlor has no knowledge 01, or reason to believe Ihallhere hes been, excepl as prevtously disclosed 10 and ecknowledged by Lender In wrlllng, (I) eny use, generetlon, menufacturo, olorago, Irealmonl, dlsposel, reloase, or Ihrealened release of any hazardous wasle or subs lance by eny prlor ownell or occupenls ollhe Property or (II) any ecluel or Ihreelened IIIlgallon or claims 01 any kind by eny pellon relating 10 such mellell; end (c) Excopl as previously disclosed 10 end ecknowledged by Lender In wrlllng, (II nellhor Grantor nor any lonenl, contraclor, agenl or olhor euthorlzed usor ollhe Proporly shall use, gonerato. manufscluro, store, ~.al, dispose 01, or release any hezardous wasle or subslence on, und.r, or eboullhe Prop.rty end (II) eny such ecllvny shall be conduclod In compliance with all applicable I.deral, sial., and local laws, regulations and ordlnancas, Including Wllhoulllmltallon Ihose laws, regula lions, and ordlnanc.s doscrlbed above. Granlor eulhortzes Lend.r and lis egonls 10 enlor upon Ih. Property 10 make such Inspections and losls as Lend.r may deem approprlale 10 delermlne compliance of lhe Property wllh Ihls secllon of Ihe Mortgog.. Any Inspections or lesls made by Lendor sholl be lor Londe(s purposes only end shan nol be conslrued 10 creale any responslblllly or lIablllly on Ihe porl 01 L.nd.r 10 Granlor or 10 any olh.r p.rson. Th. r.prosentallons .nd warrentles conlalned h.reln .re basod on Granlor's duo diligence In Inv.sllg.llng Ihe Prop.rty for hazardous wasl.. Granlor her.by (.) r.I..seaend wolves .ny lulure claims .galnsl Lendar for Ind.mnlly or con~lbutlon In Ih. evenl Gr.nlor becom.s lIabl. lor cleanup or olh.r costs und.r .ny such laws, .nd (b) .grees 10 Indemnify and hold harml." Lender .galnsl.ny end.1I claims, losses,lIabllill.s. damag.s, p.nalllea, snd expenses which Lender may dlraclly or Indireclly suslaln or sUlf.r resulllng Irom . breoch ollhls secllon ollh. Mortgag. or .s a consequence 01 .ny us., gener.tlon, manulaclure, slarage, disposal, r.le.se or Ihreolaned release occurrIng prior 10 Granto(s own.rshlp or InlerHI In Ih. Prop.rty, whelh.r or nollh. ISm. was or ohould have been known 10 Granlor. The provtslons 01 this secllon 01 th. MOI1gsge, Including the obllgallon to Ind.mnlfy, .hall survive Ih. raymanl olth. Indabledne.s.nd Ihe .allsl.cllon end raconv.y.nce 01 IhelI.n ollhls Morfgage Ind shall nol be effacl.d by Lend.r's acqulslllon 0 .ny Int.reslln Ih. Property, wholh.r by loreclosur. or otherwise. Nulaence, Wasle, Gr.nlor shall nol cause, conduct or permit .ny nulsence nor commll, p.rmlt, or sull.r .ny slrlpplng 01 or Will. on or 10 Ihe Property or any porllon of Ihe Property. Wllhoulllmlltng Ih. g.ner.llty olth. faregolng, Granlor will nol remove, or granllo any olh.r p.rty Ih. rlghllo remov., Iny timber, mlner.ls (InclUding 011 and ga\), soli, gr. vel or rock producls wllhoullh. prior wrlll.n consent 01 Lender. Removal ollmprovemenla. Grentor shall nol d.mollsh or remove .ny Improvements Irom Ihe Real Property wllhoulthe prlor wrlllen consenl of L.nder. As a "ondlllon 10 Ihe r.mov.1 of .ny Improv.m.nls, Lend.r may require Grentor 10 make erreng.m.nls sallsfaclo'Y 10 Lender 10 replac. .uch Improvem.nls wllh Improv.menl. 01.1 I.asl equal v.,u.. Lender'e Righi 10 Enler, Lender end lis eg.nts and repres.nlallves may enler upon lhe R.al Prop.rty .1 all reasonable IImea 10 allend 10 Lande(slnler.sls .nd 10 Inspecllh. Prop.rty lor purpos.s 01 Granlo(s compllanc. wllh Ih. lerms .nd condlllons ollhls Morfgage. Compliance wllh Governmenlal Requlrementa. Gr.ntor shell promplly comply wllh all laws, ordinances, and regulollons, now or herealler In ellecl, 01 all governmonlal .uthorlllea eppllcabl. 10 Ih. u.e or occuponcy olth. Prop.rlY. Gr.nlor may conlaslln good fallh eny such law, ordinance, or regulallon .nd wllhhold compllanc. durlng eny proceeding, Including .pproprlale app.als, so long as Granlor hos nolln.d Lender In wrlllng prlor 10 dolng so .nd so long es, In L.nd.(a sol. opinion, L.nd.r's Inlor.sls In Ih. Prop.rly or. noIJ.opardlz.d. L.nder may requlr. Granlor 10 posl .dequ.l. securlly or a sur.ty bond, r.ason.bly sollslaclo'Y 10 Lond.r, 10 protecl L.ndar's Inl.resl. Duly 10 Prolecl. Granlor egreas n.llh.r 10 .bandon nor le.ve unallend.d Ih. Prop.rty. Granlor shall do ell olh.r acls, In .ddiUon 10 Ihose acls sol forth above In Ihls sacllon, which from Ih. characlor and us. ollh. Prop.rly are r.a.on.bly necessary 10 prolect and pr.serv. Ih. Property. DUE ON SALE _ CONSENT BY LENDER. L.ndor may, allls opllon, daclarelmm.dialely duo end payable .11 sums lOCur.d by Ihls Mortgag. upon th. sal. or ~.nsl.r, wllhoulthe Lander's prlar wrlllen consonl, 01 ell or any parl ollh. R..I Proporty, or any Inlar.slln th. R.al Property. A "sal. or ~ansle" me.nslh. -conv.yanc. 01 Real Prop.rly or any rlghl, 1111. or Inlar.sllher.ln; wh.ther legal or equltabl.; whelh.r volunla'Y or Involunlarr. whalh.r by oulrlghl sole, deed, Inslallm.nl sol. con~.cl, land contracl, controcl for deed, lea.ohold Inl.rosl with. lorm greal.r Ihan Ihroo (3) years, I.as.-opllon contracl, or by sale, asslgnm.nl, or ~ansf.r 01 .ny b.n.l1clallnt.r.slln or 10 any land Irusl holding 1111. 10 Ih. R.al Prop.rly, or by any olher melhod 01 conveyance 01 R..I Prop.rty Inl.r.sl. II any Gr.nlor Is a corporalion or parlnorshlp, Ir.nsl.r .Iso Includas any chang. In ownollhlp 01 more Ihan !wenly-five p.rc.nl (25%) of Ih. voting slock or p.rtn.llhlp Inlor.sls, aslhe cas. may b.. 01 Granlor. How.v.r, Ihls oplion shaD not b. .xerclsed by Lend.r II such ox.rclso Is prohlbll.d by I.dorallaw or by P.nnsylv.nla law. TAXES AND LIENS. Th. lollowlng provtslons relallng 10 th.lues and lI.ns on Ih. Prop.rty .re . porl ollhls Mo~geg.. ....... i i i r" PltE1:18 Paymenl. Granlor shall p.y wh.n duo (and In .11 evenls p~or 10 delinqu.ncy) altlues, payrolllax.s. speclallax.~q.ql.bi\lIlhlt, vlil.r chergos end s.w.r s.rvlce charg.sl.vlad egalnsl or on occounl ollhe Prop.rly, .nd shall pay whon duo all claims lor work don. on or lor services r.ndor.d or materlal furnlsh.d 10 Ih. Proporly. Granlor sholl malnlaln Ih. PrOrOrlY fr.. 01 ell Ii.ns havtng prlorllY ov.r or oquollo Ihe Inloresl 01 Londor und.r Ihls Morlgog., exc.pllor Ih. I,.n ollaxos .nd as....monls no duo, ..copl lor Ih. E.I.llng Indobl.dn.ss relon.d 10 below, and exc.pl .s olherwls. provtd.d In Ih.lollowlng poragroph. Righi To Conlesl, Gr.nlor m.y wllhhold paym.nl 01 .ny I.x, .ss."m.nl. or claim In connecllo" wllh . good lallh dispul. ovor Ih. obllgallon 10 p.y 00 long.s Londer'o Inl.roslln Iho Proporty Is nolj.op.rdlled. II a Ii.n ./Isos or Is M.d os. rosull of nonpaymonl, Granlor shall wllhln Aileen (15) days all.r Iho lI.n a,ls.s or, II . lion I. f,l.d, wllhln ',lIoon (15) days all.r Granlor has nollc. 01 Ih.',lIng, securo Ih. discharg. ollh.llen, ar It roquosled by Lond.r, doposll wllh Lond.r casl. or a sulliclonl co/poralo sur Diy bond or olhor security satislaclory 10 L.ndor In an .mounl sUlllclonl 10 dischargo Iho lioo plus .ny cosls and allorrl.YS' loos or olhur chorues Ihol could occruo os a rosull 01 a lor.closuro or solo und.r Iho lI.n. In onv conlo!ll. Grolllor shall dulund II~oll ulld I ondUl Olllt !Ohnll !oilh!itV OilY nllVOl!iO JIHJUlnollllwlOfU flnlOlCllfl1Unl nomllo:.llhfJ Prnpmtt Granlor shull MORTGAGE (Continued) Pege 3 , name I:ender as an eddlllonal OOllglG under any surety bond 'urnlshed In Ihe conl.., procIGdlngs, Evidence 01 peymenl. Grenlor shall upon demend lurnlsh 10 Lender sellsleclory evidence 01 peymenl ollhe lues or ess..smenls and shall aulhortzo Ihe approprlale governmenlal olllclallo deliver 10 Lendor 01 ony limo 0 wrlllon slalemonl ollho laxos ond assossmonls agalnsllhe Propo~y. Nollce 01 Conalrucllon, Granlor shan nollty Lender elleasl nnoon (15) days balore any wort< Is commenced, any servlcOll ere lurnlshed, or any malerlels ere supplied 10 Ihe Property, II any mechanic's lien, malerialmon's lien, or olher lion could be esso~ed on accounl ollhe wort<, sorvtc.., or malorials end Ihe cosl excoods '5,000,00. Grenlor will upon requesl 01 Londer lu,nlsh 10 Lendor edvonco assurancos sallslaclory 10 Lender Ihal Granlor can and will pay Iho cosl 01 such Improvemonls. PROPERTY DAMAGE INSURAIlCE. The lollowlng provisions relallng 10 Insuring Iho proparty are a pe~ ollhls Mortgage. Maintenance 01 Ineullnce, Granlor shall procu,e and malnlaln pollclas 01 nre Insurance wllh slandard axlendod coverage endOlWmenls on a raplacamanl basls 'or Iha full Insurable value covarlng alllmprovemenls on Iha Real Property In an amounl sulflclenllo avold application 01 any colnsurance clause, and wllh a slandard mo~gagoo clause In lavor 01 LandOl. Policies shall ba wrillan by such Insurance companies and In such form as may bo raosonebly acceplable 10 Landar, Granlor shall dellvOl 10 Lendor cartlftcal.. o. coverage 'rom aach Insurer conlalnlng a sllpulallon lhal covorage will nol be cancalled or diminished wllhoula minimum 01 Ion (10) days' prior wrillen nollca 10 Lender and nol conlalnlng any disclaimer ollhe Insurer's liability lor 'ellura 10 glva such nollce. Should lha Roal Proporty al eny lime become localed In an area deslgnaled by Ihe Dlreclor ollt,e Fedaral Emergency Manegemenl Agency as especial nood hazard eree, Grenlor agroos 10 oblaln and maintain Fedoral Flood Insurance, 10 Ihe exlenlsuch Insurance Is required and Is or beeomes available, lor Ihe lerm ollhe loan and 'or Ihe lull unpaid principal balance ollhe loon, or Ihe mulmum IImll 01 covarage Ihalls evallable, whichever Is less. Appllcallon 01 Proceoda, Granlor shall promplly nollly Lender 01 any loss or damaga 10 lha Proporty II Iha estlmaled cosl 01 repslr or replacemenl excIGds $500.00. Lender may maka proal 01 lass II Granlor lalls 10 do so wllhln nlloon (15) days ollha casualty. Whelher or nol Lende~s seeurlty Islmpalrad, Lender may, BIlls elecllon, apply Ihe procoods 10 Ihe reducllon ollhe Indebledness, paymonl o. any lien allectlng Ihe Property, or Ihe reslO/ellon and repair ollhe Prope~y. II Londar eloels 10 apply Iho proceeds 10 raslorallon and repair, Granlor shall repair or raplaca Iho domagad or dastroyed Improvemanls In a mannor sollslaclory 10 Lendar. Londer shall, upon sollsloclory prool o. such expendllure, payor reimburse Granlor Irom Ihe procoods lor Ihe reasonable cosl 01 rapalr or restorallon II Granlor Is nolln delaull hereunder. My procoods which have nol boon disbursed wllhln 180 days ollor Iholr recolpl and which Lender hes nol commlllod 10 Iho ropalr or reslO/allon ollhe Property shell bo used firsllo pay eny emounl owing 10 Londer under Ihls Mo~gage, Ihen 10 propey accrued Interesl, and Ihe ramalnder, II eny, shall be appllad 10 Ihe p~nclpal balance ollhe Indabledness. II Lender holds any proceads aller peymonlln lull ollhe Indebledness, such procoods shell ba peld 10 Granlor. Uno.plred Ineurance el Sole. Any unexpired Insurance shalllnura 10 Ihe benoftl 01, and psss 10, Ihe purchaSOl ollha Property covered by Ihls Mortgsge al eny Irusloa's salo or olher sole hald under Iha provisions ollhls Mo~gege, or al any IO/eclosure salo 01 such Prope~y. Compliance with Existing Indobledno". During Ihe period In which any Exlsllng Indabledness described belOW Is In elleel, compliance WlIh Ihe Insuranca provisions conlelned In Ihe Inslrumanl avldenclng such Exlsllng Indebledness shall conslllula compliance wllh tha Insuranco provisions under Ihls Mortgaga, 10 Iha exlanl compllanca wllh Iha lerms of Ihls Mortgage would conslilule a dupllcallon ollnsuranco requlramanl. If any procoodS kom Iha Insurance becoma payable on loss, Iha provisions In Ihls Mo~gsga lor division 01 proceads shall apply only 10 Ihal portion of Ihe procoods nol payablo 10 Ihe holder ollhe Exlsllng Indebtedness. EXPENDITURES BY LENDER, If GranlO/'allslo comply wllh any provision ollhls Mortgsge, Including any obllgallon 10 malnlaln EXlsllng Indebledness In good slandlng as raqulred balow, or II any acllon or procoadlng Is commonced Ihal would malerlally alleel Londer's Inlerests In Ihe Proporty, LandOl on Granlo~s bohalf may, bul shall nol ba raqulrad 10, tako any acllon thai Landar dooms appropriate. Any amounllhal Lender oxpendsln so dolng wid bear Interasl allha rata charged undar lha Nota trom tho dale Incurred or paid by Lender 10 Ihe dale 01 repaymenl by Granlor. All such axpenses. al Landor's opllon, will (a) bo payabla on demand, (b) ba addad 10 Iho balanca ollho Nola and ba appo~lonad among and ba payable wllh any Inslallmanl paymanls 10 becoma duo during allhar (1)lha lerm 01 any aepllcabla Insurance pOlicy or (II) Ihe remaining larm ollhe Nola, Q( (c) ba traalad as a balloon paymenl which will ba due and payablo allha Nolas malurlty. This Mo~gage also will secura psymanl o.thoso amounls. Tha rlghls provlded lor In Ihls peregraph shad be In addillon 10 any olher rlghls or any remedies 10 which Londor may bo anlillad on account ollhO delaull. Any such action by Londer shall nol ba conslrued as curing Iho defaull so as 10 bsr Landor Irom any ramady Ihalll olherwlsa would have had. WARRANTY; DEFENSE OF TITLE, Tha lollowlng provisions relallng 10 ownorshlp ollhe Propo~y are a pa~ ollhls Mortgago. TIUe. Granlor warrants Ihat: (a) Granlor holds good and markolable lille 01 record 10 Ihe Property In lee simple, I.IG and clear 01 dllens and oncumbrancas olher Ihan Ihaso sol forth In Ihe Aeal Property desc~pllon or In Ihe Exlsllng Indeblednoss sacllon balow Q( In any IIl1a Insurance poliCY, IllIa rapor1, Q( finallllla opinion Issuod In favor 01, and accopled by, Lender In connecllon wllh fhls Mortgage, and (b) Granlor has Iho Iud ~ghl, power, and authorily 10 axacula and dollver Ihls Mo~gege 10 Lender. Do'onllO 01 Tille. Sublecllo Ihe olCCepllon In Iho paregraph sbove, Granlor warranls and willlO/avor defend lha 11110 10 Ihe Proparty sgalnslthe lawful claims 01 all persons. In the ovonl any acllon or procoadlng Is commancod Ihal quosllons Granlor'slllle or Iha Inlorasl of Londar under Ihls Mo~gege, Grsnlor shell dolend Iha acllon al Granlor's axpense. Granlor may ba Ihe nomlnel party In such procoadlng. bul Lender shall be anlllled 10 pa~lclpalo In Iho procooding and 10 bo rop,asenled In Ihe p,ocoadlng by counsol 01 Lander's own cholca, and Granlor will deliver, or causa 10 be dollvarod, 10 Londer such Instruments as Lender may roquosllrom lime 10 limo 10 permll such pa~lclpsllon. Compliance With Lows. Granlor warrsnls Ihat Ihe Prope~y and Granlor's use 01 Ihe Proporty compllOll wllh ad exlsllng eppllcable laws, O/dinancas, and r&Qulalions 01 governmenlsl aulhO/lllos. EXISTING INDEBTEDNESS. The lollowlng provisions concerning exlsllng Indebledness (Iha "Exlsllng Indebledness') are 0 pe~ ollhls Mor1gsge. Exlallng Lien. Tha lien ollhls Mortgage securing Iha Indebtodnass may be lecondary and Inlerlor 10 Iha lien ,""urlng paymenl 01 an oxIsllng obligellon Wllh an accounl numbor 011-787110 Farmors T.usl Company described es: Mo.lgsgo Loan daled Feb,uary 20, 1992, and recorded In Book 1050 al paga 809. Tha axlsllng obllgallon has a current principal bslance 01 epproxlmalely $58,700.00 and Is In Ihe original principal amounl 01 $60,000.00, The obllgallon hes Ihe lollowlng paymenlle,ms: 303.00 blwaekly, G.anlor axpressly covenanls and agroos 10 pay, or see 10 Iho paymenl 01, Iha Exlsllng Indebledness and 10 prevanl any defaull on such Indebledness, any dolaull under Ihe Inshumanls ovldonclng such Indebledness, or any delaull under any securlly documenls lor such Indebledness. De'eull. litho paymonl 01 eny Inslallmenl 01 p.lnclpal 0' any Inlerosl on Ihe Exlsllng Indebledness Is nol mada within Iha lime requlrad by Ihe nole ovldonclng such Indeblodness, or should a dolsull occur undor Iho Inslrumenl socurlng such Indeblednoss and nol bo curod during any eppllcablo graco po.lod Ihoroln. Ihen, allho opllon 01 Lendor, Iho Indeblodnoss sacu,od by Ihls MO/Igsge shall bocome Immodlalely due and payable, and Ihls Mo.lgage shall be In delaull. No MOOlllcallon. G.snlol shell nol enler Inlo any agroemanl wllh Ihe holder 01 any mOllgago or olhor secu,lIy egroamenl which has priortty ovor Ihls Mo"gago by which Ihal ag.eomonlls modillod. omondod, odendod, or ronowod w,lhoullhe prior wrlllon consonl 01 Londer. Grsnlor shall nollhor requosl no' accopl ony IuIIIIO odvancos undo, ony such .ocunly egroomonl wilhoullhe pllor wrlllon consenl 01 Londor. ~;,';. 111:', rorr 1 Hl MORTGAGE (Conllnued) Page 4 CONDEMNATION. The loIlowlng provisions relallng 10 condemnallon ollhe Property are a part 01 Ihls Mortgage. Appllcallon 01 Nat Procaoda. lIaa 01 any pa.1 ollhe Propetly Is condemned by eminent domain proceedings 01 by eny proceedlng 01 purchase In lieu 01 condemnellon, Lender mey ellls elecllon require Ihal aU 01 any porlJon ollhe nel proceods 01 Ihe award be applied 10 Ihe Indebledness OIlhe repair or reslorallon 01 Ihe Property. The nel proceeds ollhe award shall mean Ihe award aller paymenl 01 all acluel cosls, expenses, and allorneys' leos Incurred by Lender In connecllon wllh Ihe condemnallon. Procaedlnga. II any proceedlng In condemnallon Is filed, GranlOf shal prompUy nollly Lende< In Wrlllng, and GranlOlshal prompUy lake such sleps as may ba necessary 10 defend Ihe ecllon and oblaln Ihe award. Granlor may be tha nomlnel party In such proceodlng, bul Lender shaU be enlllled 10 perticlpelaln Iha proceodlng and 10 bo reprosenled In Ihe proceodlng by counsel ollis own cholca, and Granlor will dellvar or cause 10 bo delivered 10 Londor such Insllumenls as mey bo raquesled by II from lime 10 lime 10 pormll such particlpallon. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The loIlowlng provisions relallng 10 governmenlallaxll'l, lees end charges ora a part ollhls Mortgago: Curran' Taxu, Feu end Chl/gea. Upon request by LendGl, GranlOf shal execule such documenls In addlllon 10 Ihls Mortgage and lake whalever othar acllon Is requesled by Lander 10 porlecl and conllnue Lande(sllen on lhe Real Ptoporty. GranlOl shall rolmburse Lender IOf aI laxos, as doscrlbod bolow, logothor wllh all oxponsos Incurrod In recording, perfecllng or conllnulng Ihls Mortgage, Including wllhoul IImllsllon aU laxes, tees, documentary slamps, and other charoll'l fOl rocordlng or reglslerlng Ihls Mortgago. Taxll. Tho following shall conslllulo laxos 10 which Ihls secllon applies: (a) a speclnc lax upon IhI1lype 01 Mortgage or upon sl 01 any part of Ihe Indebledness securod by Ihls Mortgege; (b) a speclllc lax on Granlor which Granlor Is aulhortzad or raqulrad 10 doducl Irom paymanls on the IndebladnB$s secured by Ihls l\'Pa of Mortgage; (c) a lax on Ihls Iype 01 Mortgage chargeable agalnsllha Lender OItha holder ollh. Note; and (d) . speclllc lax on ell or any portion ollho Indoblednoss 01 on payments 01 prlnclpal end Interesl made by Grantor, Subsequent Taxll. If any lax 10 which this secllon applies Is anaclad subsequanllo Ihe dol. ollhls Mortgago, Ihls evanlshal have lhe lima ollect as an Evanl 01 Dolaull (as dellned bOlowl, and Londor may oxerclso any or all nf lis avallabl. remodlos lor en Evenl 01 Defaull as provided below unless Granlor allhar (a) pays Ihe lax before II bocomes dOllnquenl, 01 (b) conlesls Iho lax es provided above In Ihe Taxes and Liens secllon and daposlls wllh Landor cash or a sutnclanl corporale suroly bond or olhor security sellsleclory 10 Landor. SECURITY AGREEMENT; FINANCING STATEMENTS. The loIlowlng provisions rolallng 10 Ihls Mortgege as a security agreemanl are a part of IhIs Mortgage. Securtly AlIIeemenl, This Insllumant shall conslllule a security agroomenllo Ihe axlanl any 01 the Property conslilutes lIxlures or other pelSonal property, end Lender shall hava all ollho rlghls of a socurad party undor Iho Unilorm Commercial Coda as amondad Irom lime 10 lime. Securlly Inleroal. Upon requesl by Londor, Granlor shall axecule financing slalamanls and lako whalavor olher acllon Is requested by Lender 10 partecl and conllnue Lande(s security Inlaraslln Iha Renls and Personal Proparly. In addillon 10 rocordlng Ihls Mortgage In Iha roal prorerty roeords, Lender may, 01 any lime and wllhoul further aulhorlzallon Irom Grenlor, file oxoeuted counlarparts, copies or raproducllona 0 Ihls Mortgege as a financlng slalement. Granlor shell rolmburse Londor for all expenses Incurrad In perloellng or conllnulng Ihls soeurlty Interasl. Upon delaulI, Granlor shall assemble Ihe Personal Property In a manner and at a placa raasonably convenlenllo Granlor end Lender and make II avallabl.to Lender wllhln Iwoo (3) days oller recolpt 01 wrlllen demand Irom Lender. Add'euea. Themalllngeddrll.lsosOlGranlor(deblor)andLondor(securedparty).~omwhlchlnIOlmallonconcernlngthesecurttylnl8(ll.l1 granled by Ihls Mortgage may be oblalned (eech as reqUired by Ihe Unllorm Commerclel Cod.), ere as stated on Ihe firsl pege ollhls Mortgaga. FURTHER ASSURANCESj AnORNEY-IN-FACT, The loIlowlng provlslons relallng 10 lurlhar assurances and allorney-In-Iecl are a part ollhls Morfgage. Further AlIIlrancoa. AI any lime, end ~om limo 10 lime, upon roquast 01 Lender, GrentOl will make, axecule and deliver, 01 will cause 10 be made, execuled or dollverod, 10 Lender 01 10 Lender's designee, end when requested by Lender, cause 10 be filed, roeorded, rellled, or reroeorded, as Ihe case may b., et such limes and In such offICes end pllces as Lender may doom approprlale, any and all auch mortgagll'l, deeds olllust, securlly doods, security agreemenls, finenclng slalemenls, conllnuallon slatemenls, Inslrumonls ot lurther assurance, cer\illcales, and othGl documanls as may, In Ihe sole opinion 01 LondOl, be necessary 01 deslreble In Older 10 ollecluale, complela, perlect, conUnue, or preserve (a) Ihe obllgallons 01 GranlOl under Ihe Nole, Ihls Mortgage, and the Releled Documenls, and (b) Ihe liens and soeurity Inlorasls croaled by Ihls Mortgage on tha Proporty, whelher now owned or herealler acqulrad by Granlor. Unloss prohlblled by lew 01 agrood 10 lhe conlrary by Lender In wrlllng, Granlor shall reimburse Lendor lor all cosls and oxpenses Incurred In connoellnn wllh Ihe msllers ref.rred 10 In IhIs paragraph. Allorney-ln-Focl. If GranlOl falls to do any of Ihe Ihlngs relerred 10 In lhe preceding paregraph, Londor mey do so lor end In Ihe name 01 Granlor end el Grenlor's expenso. For such purposes, Grentor hareby Irrevocably eppolnls Lender as Grenlor', allomey-In-facl for Ihe purpose 01 making. execullng, delivering, filing, recording, and dolng all olher Ihlngs as may be noeessary or desirable, In Londe(s sole opinion, 10 eccompllsh Ihe mailers rolerred 10 In Ihe preceding paragraph. Fll.L PERFORMANCE. II GrantOl!ays aU tho Indebledness when due, and olherwlse perlorms all Ihe obllgallons Imposed upon Granlor und8llhls Mortgage, Lender shell execule an deliver to Grenlor a sullable sallsfacllon ollhls Mortgage and sullablo slalemanls ollermlnatlon 01 any financlng stalement on IIIe ovldenclng Lende(s soeurlly Inleroslln Iho Rents end Ihe Personal Property. Grantor will pay, II permllted by eppllcable law, sny reasonable lermlnallon 180 as delermlned by Londer Irom limo 10 lime. DEFAll. T. Each 01 lhe 10llowlng, allhe opllon 01 Lender, shall conslllule an event 01 delaulll'Evenl 01 Dolaulr) under Ihls Mortgage: Dorault on Indeblednell. Failure 01 Granlorlo make any paymenl when due on Iho Indebledness. Dolault on Othe, Paymenls. Failure 01 Glanlor wllhln Ihe lima required by Ihls Mortgage 10 maka any paymonllor laxes or Insurance, 01 any other paymenl necassary 10 prevenl filing 01 or 10 ellecl dlscharga 01 any lien. Compliance Dolaull. Fellure 10 comply wllh any olher lerm, obllgallon, covenanl 01 condillon conlalned In Ihls Mortgege, Ihe Nole Olin any ollhe Relaled Documents. BrelChll. Any warrenly, represenlallon or sletemenl made OIlurnlshed 10 Lender by or on behall 01 Grantor undor Ihls Morfgage, Ihe Nola OIlhe Roleled Documonls Is, or allhe limo made or lurnlshed was, lalse In any malarial respecl. Insolvency. The Insolvency 01 Grenlor, appolnlmenl 01 e recalvor lor any pari 01 Granlor's property, any asslgnmenllor Ihe benenl 01 craditors, Iho commencemonl 01 eny proceeding undar any bankruplcy or Insolvency lews by or agalnsl G.anlor. or Ihe dlSsolullon or lermlnallon 01 Granlor's oxlslonco 88 a going business III Grentor Is a business I. Excepllo Iho exlenl proh,bllod by lederellaw or Pennsylvenla law, Iho doalh 01 Granlor III Grantor Is an Indlvtdual) also shall conshlule en Evonl 01 Def8ull under Ihls Morlgage. Howevor,lhe dealh 01 eny Granlor will not be an Evenl 01 Delaullll as a resull 01 the death 01 Granlor Iho Indobladno.s Is lull1 coverod by cradll hie Insulenco. Forecloaure, Fortellure, elc. Coromoncomenl olloroclosure or 10.lollure p.oceodlllgs. wholtlar by JudICial procoodlng. 101t-holp.ropossosslon or ;.:-: i. tr .., Iro MORTGAGE (Continued) Pogo 6 any olhGr ,melhod, by any ClodllO( 01 GranlO( 0( by any govemmontalaooncv Igalnllany ollho Proparly. Howover, Ihlllubsecllon IhaV nollpply In Iha ovenl 01 a good lellh dlspule by GrenlO( as 10 lho valldlly 0( roasonablonoll ollho claim which Is Iho bOIls ollho 10reclO1uro 0( 100elellura proceeding, provlded Ihal GranlO( gives londer wrlllen nollco 01 such claim and lurnlsho. resor...os or a lurely bond 10( Iho claim IIII.facllllY 10 londor. Breach 01 Olher Agreemenl. Any broach by GranlO( under Iho lerml 01 any olher agreemenl botween GranlO( and Lender Ihalll nol romedled wllhln any graco parlod provldod Ihoroln, Including wllhoulllmllollon ony agroomonl concomlng any Indoblodnoss or olhor obllgBllon 01 GranlO( 10 Londor, wholhor oxlsllng now or lalor. Exllllng Indeblednell. A dofaull Ihall occur undor any Exlsllng Indobledness 0( undor any In.~umonl on Iho Proporly securlng any EllIsUng Indoblodnoss, 0( commoncomonl 01 any sull or olhor acllon 10 lorecloso ony oxlSllng lion on Iho Proporly. EVlnla ANlcllng Guaranlor, Any ollho precodlng ovonls occurs wllh rospecllo any GuaranlO( 01 any ollho Indobledness or such GuaranlO( dlos or becomos Incompolonl. Inaecurlly. Landor In good fallh dooms IIsolllnsecuro. RIGHTS AND REMEDIES ON DEFAlLT. Upon Iho occurronco 01 any Evenl 01 Dolaulland alany lime Ihor08l1or, Londor, allls opllon, may oxerclse eny one or mO(o ollho following rlghls and romodlos, In addlllon 10 any olhor rlghls 0( remedies provided by lew: Accllerale Indeblednell. Subjecllo appllceblo law, Londer shell have lho rlghl allll opllon wllhoul nollce 10 Granlor 10 declare Iha enUre Indoblodness Immodlaloly due and payeblo. UCC Rlmedlll. Wllh respocllo all 0( eny perl ollho Personal Properly, Landor shall havo alllhe rlghls and romedles 01 a securad parly under Iho UnllO(m Commercial Code. Collect Renll. Lender sholl havo lho rlghl, Wllhoul nollce 10 GranlO(, 10 lako possession ollho Proporly ond collecllha Renls, Including omounls pasl duo and unpaid, and opply Ihe nol proceeds, over end abovo Londor's cosls, egelnsllho Indoblodnoss. In lurlhorance ollhls righi, londor may roqulre eny lenenl or olhor usor ollho Proporly 10 moko paymenls 01 renlO( uso loos dlreclly 10 Londor. IIlho Ronll aro collecled by londer, Ihan GranlO( Irrovocably doslgnalos Londer as Granlor's ellornoy-In-Iacllo andorso Inslrumanls recolved In paymenlIhoroolIn lho namo 01 GranlO( and 10 negollalo Iho same and collecllho procoods. Paymonls by lonanls or olhor usors 10 Londer In responso 10 Londor's demand shoD 1I11s1y lho oblige lions 10( which Ihe peymonll ero mado, wholhor or nol any propor grounds lor Iho domand oxlslod. Londor may axorclse lis rlghls undor Ihls subparograph oilhor In parson, by agonl, 0( Ihrough a recolvor. Appolnl Receiver, Lendor shall have Iha rlghllo have a rocolvor appolnlod 10 taka p01sosslon olalO( any part ollho Properly, wllh lho power 10 prolecland preserve Ihe Proparly, 10 operala Iha Proporly precadlng loreclosuro 0( salo, and 10 collecllho Renls Irom Ihe Properly and apply Iho proceeds, over and ebovo Iho cosl ollho recolvorshlp, agalnsllho Indoblodnoss. Tho recolver may sorvo wllhoul bond II permlllod by law. Londor's rlghllo Iho appolnlmonl 01 a recolvor shall olllsl wholhor 0( nollho epperenl veluo ollho Proporly oxcoods Iha Indoblodness by a subslanllal amounl. Employmonl by Londor shall nol dlsquallly a person Irom soNtng as a recolver. Judlclol Forecloaure. Londor may oblaln a judicial decroo 100ocI011ng GranlO('slnloroslln all or any part ollha Proporly. Posaesalon ollhe Properly. FO( Iho purpose 01 procurlng possession ollha Properly, Granlor horoby aulhortzos and empowers any allO(ney 01 any court 01 record In Ihe Commonweellh 01 Pennsylvenla 0( olsewhore, as ellO(ney 10( Lendor and eU persons Claiming under 0( Ihrough Lender, 10 sign an agreemenl lor onlarlng In any compelenl court an amlcablo acllon In eJeclmenl lor possosslon ollhe Property and 10 appear 10( and conloss Judgmenl agalnsl Grenlor, and agalnsl all persons claiming under or Ihrough Granto(, lor Ihe recovery by Lender 01 possession ollhe Properly, Wllhoul any stay 01 execullon, 10( Which Ihls Morlgage, 0( a copy ollhls Morlgago vorlned by alfidavll, shall be a sulllclenl warranl; and Ihoroupon a wrll 01 possession may bo Issued lorthwllh, wllhoulany prior wril or procoodlng whalsoovor. Nonludlclol Sale. If permllled by applicable law, Lender may loroclose GranlO('s Inleroslln all or In any part ollhe Porsonal Properly 0( Ihe Roal Property by nonjudicial sale. Dellclency Judgmenl. Lender may oblaln a JUdgmenl fO( any dellcloncy romalnlng In Ihe Indobledness due 10 lender aner appllcellon 01 aU amounts received Irom Ihe exercise 01 the rlghts provlded In Ihls secllon. Tenancy al SuNerance. II GranlO( remains In p01sesslon of Iha Properly aner lho Properly Is sold as provided abovo 0( Londer olhorwtse becomes onlllled 10 possosslon of the Proporty upon dalaull 01 Granlor, Grantor shaU become a lenanlal sullorance of Londer or Iho purchaser 01 Iha Proparly and shall, al Londer's opllon, oilher (a) pay a roasonabta renlallO( Ihe use ollhe Properly, or (b) vacala Ihe Properly Immedlaloly upon Iho demand 01 Lendor. Olher Remedlea. Londer shall have all olher rlghls and remodles provldod In Ihls Morlgaga or Ihe Nole or ovallablo allaw 0( In oqully. Sale ollhe Properly. To Iho oxlenl permlllod by appllcabla low, GranlO( hereby waives any and all rlghllo hove Iha proporly marshallod. In exarclslng lis rlghls and ramedles, Londor shall be Iroo 10 soli all 0( any part ollha Proporly logelhor 0( separaloly, In one sale or by separala salos. Lendor shall bo onlllled 10 bid al any publlo salo on an or any porllon ollhe Proporly. Nollce 01 Sale. Londer shaU give GranlO( reasonabla nollce ollha lime and place 01 any public sale ollhe Personal Proporly 0( ollha lime allor which any prlvala sale or olhor Inlondod dlsposlllon ollhe Porsonal Properly Is 10 be mada. Unloss othorwlse roqulrad by applicable law, reasonable nollce shall moan nollco given alloasllen (10) days belore Ihallma ollhe 1110 or dlsposlllon. Walvell Elecllon 01 Remedla.. A waiver by any parly ola breach 01 a proviSion ollhls Morlgage shall nol conslllule a waiver 010( prejudlco Ihe party's rlghls olhOfWlse 10 demand slrlcl compliance wllh Ihal proviSion 0( any olhor provl.lon. Elecllon by Lendor 10 pursue any remedy Ihal nol oxcludo pursull 01 any olhor remedy, and an elacllon 10 make oxpendilurOIO( lake Bcllon to pertorm an obllgallon 01 GranlO( under Ihls Morlgage allar lallure 01 Granlor 10 perform shill nolallocl Londor's rlghllo declare a dellull and exorcise lis remedies undor Ihls Morlgage. AlIornaya' FeOlj Expense.. If Londer Inslllulos any sullO( acllon 10 enlO(ce any ollhe lerms ollhls Mortgage:Londor shall ba onlllled 10 recover such sum as Ihe court may odJudge reasonabla os aIlO(no\'5' lees, allrlal and on any appoal. Whother or nol any court acllon Is Involved, all roasonable oxpenses Incurred by Londer Ihalln Lendor's opinion ere necossary al any tlmo for Iho prolecllon ollis Inlorosl or the onlO(cemenl 01 lis rlghls shall bocome a part ollho Indoblednoss payable on domand and shall boar Inloresllrom Iha dale 01 oxpondilure unlll repaid ellhe Nolo ralo. Exponsos coverod by Ihls paragraph Includo, wllhout tlmllatlon, howevor subJecllo any Iimlls undar appllcablo law, Londor's allorno,,' loos and Londor's logal oxpansos wholhor or nollhore Is a lawsUlI, Including allomo,,' loe. lor bankruplcy procoodlngs (Including ellO(ls 10 modlly or vacale any aulomallc slay 0( InJuncllon) appoals and any anllclpalod post-Judgmenl collecllon sorvlcos, Ihe co.1 01 soarchlng rocordl, obtaining lillo roporls (Including loreclosuro roporls), survoyors' roporls. and approlsalloos, and 1,IIe Insurance, 10 Ihe oxlonl porm,lIod by appllcablo law, Granlor also will pay any COUll cosls, In addlllon 10 all olhor sums plovldod by law. "-'11 i r.. AG 15 f NOTICES TO GRANTOR AND OTHER PARTIES. Unless olhorwlse plo\lldod by applicablo law, any nollco undor Ihls ,)l,m~gb 'hln'6e fn whllng end" shall bo ollocllve whon aclually dollvOled or, II mallod. shall ba doomod ollocllve whon dopo'lIod In Ihe Unllod Slatos mall nrsl class, reglslored ma,l. poslaoo prepaid, dlrocled 10 the addlos,os shown noar Ihe boglnnlng ollhl, Morlgago. Any parly may chango II. addro.s lor notice. undor Ihls MOllgago by Diving lor mal wllllon lIollco 10 Iho olhOl palhos. ,poeilylng Ihallho pwpo.o ollho noheo is 10 Cllonoo Ihe porly's oddross, All coplos 01 MORTGAGE (Continued) Page 6 nollces ollorecl05ure !rom the holdet 01 any lien which hll prlortty over Ihls Mortgage aha. be senllo Lende~a addlesa, aaahown neal lhe beginning 01 Ihla Mortgage. For nollce purposes, Glanlor agrees 10 keep Lendet Informed alaa "mas 01 Granlor'a currenl address. MISCEU.ANEOUS PROVISIONS. The lolloWlng mlscenaneoUl prolAllona are I plrt ollhls Mortgage: Amandmenl.. This Mortgage, logelher wllh .ny Relal.d Documenl., conatilul8llhe enllte und8llllndlng .nd .greemenl ollhe parties ulo Ihe mailers I8llorth In Ihls Mortgage. No .lIelallon 01 or amendmanllo Ihla Mortgage aha. be ellecllve unlesa given In wrlllng .nd algned by Ihe party or p.rlleaaOUQhl10 be charged or bound by lhe allelallon or .mendment. Applicable Law. Thl. Mortgage hIS been delivered 10 Lender and _epted by Lender In Ihe Commonw..Uh 01 Pennsylv.nla. Thla Mortgege ahall be governed by and conalrued In accordance Wllh the law. 01 the Commonw..llh 01 Penn.ylvanle. Capllon Heeding.. Cepllon headlnga In Ihla Mortgage lie lot convenience pulp"'" only and are nollo be used 10 Inlelpral or denne Ihe prolAslona ollhls Mortgage. Merger, There ahell ba no merger ollhe Inlerest or esllle crealed by Ihls Mortgege Wllh any olher Inleresl or esllleln the Property .llny lime held by or lor Ihe bene", 01 Lender In any capacity, wllhoullhe wrlllen consenl 01 Lender. MUlllple Parll.... All obllgallons 01 GranlO/ under Ihls Mortgage ahan be JoInl and HY8fal, and a. relerences 10 Granlor ahan mean each .nd evory Granlor. This means thai each oltha persons algnlng below Is responsible lor all obngallons In Ihls Mortgaga. Severablllly. II a court 01 compalanl Jurladlcllon nnds any provision 01 IhIs Mortgage 10 be Invald or unenforcaable as 10 any paraon or cltcumsllnce, auch nndlng ahan nol randor thel provision Invend or unenforceable as 10 any olhor porsona or cltcumslances. If feaslble, Iny auch ollandlng provision ahall be deemod 10 be modified 10 be Wllhln Ihe 1Im11s olenforcoabnity or validity; howover, If lhe ollendlng prolAslon cannot be ao modlned, lIahall be slrlckon Ind II other prolAslons ollhls Mortgegeln aU other raspects shaU lemaln veUd and enlO/ceable. SUccaNOra and Malgn.. Subjoct 10 Ihe Umllallons atated In Ihla Mortgage on Iransfor 01 Granlor'alnlerasl, IhIs Mortgage ahal be binding Upon and InUte 10 Ihe bene'" 01 the parties, Ihelr heirs, personal repreaenlallvea, auccassO/ll end asslgna. II ownership ollhe Property becomes wsled In a person olher Ihan Granlor, Lender, wllhoul notice 10 Granlor, may deal wllh Grantor'aaUCCBSSO/ll Wllh reference 10 this Mortgage and lhe Indeblednesa by way 01 lorbearance or exlenslon Wlthoul roleaslng Granlor !rom Ihe obllgallons 01 this Mortgage or nabUity undor lhe Indebledness. Time Ie 01 the Euenca. Tlmels ollhe essence In Ihe performance ollhla Mortgage. Walvere llI\d Coneanla. Lender ahal not be deemed 10 have waived any rlghls under Ihls Mortgaga (or under lhe Relaled Documents) unless auch walver Is In wrlllng and slgnod by Lander. No delay or omission on the part 01 Lender In exerCising any rlghlahan operale la e walvet 01 auch rlghl or any olhor rlghl. A waiver by any party 01 I prolAslon ollhls Mortgage shan nol conslllulo e waiver 01 or prejudice Ihe party'a rlghl olherwlse to demand slrtct compliance wllh Ihat prolAslon or eny olher prOlAslon. No prlor waiver by Lender, nor any course 01 deanng between Lender and Granlor, shall conslllule a waiver 01 any 01 Lender'a rlghls or any 01 Grantor'a obngallons aalo any lulure lransecUons. Whenever consenl by Lender Is required In Ihls Mortgago, the granllng 01 such consanl by Lendor In any Inslance shan nol conslllule conllnulng consenllo suhsequenllnslances where such consenlls required, EACH GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MORTGAGE, AND EACH GRANTOR AGREES TO ITS TERMS. " I,,, "iililif' I .~..,.. -"'''~tfJ''''~'''''''''''''''i'}''''~''''J Xk" dM?tr,"".. '.,- ,iA"",\x"';"'/"'ISI!.'LF'l ra L. Casey , x Wltne.. CERTIFICATE OF RESIDENCE I hereby certlly, lhal Ihe preclso addlesa 01 the mortgagee, Farnlera Truel Company, herein Is as follows: One Weal HIgh Slreet, Carlisle, PA 17013 ~ -jla'n.v a Ag.nt lcr Merl ro'o~ 1 t 15 fAtE 152 , . ACT 91 NonCE TAKE ACTION TO SAVE YOUR 1I0ME FROM FORECLOSURE The Commonwealth ot Pennsylvania'. Homeowne,,' Emergencv Mor1QaQeAlIlslanca Prog'pm maybe able 10 holpyou. Read the !allowlng "ollcolo hrid oul how'tho program works, " II you need morelnlo,mellon ceUlhe penn.yl.enle Hou.lno Flnence Aoency .11 (800) 3.2.2307. La "oUlleaclon en adlunlO 81 de luma Importanela. PUOI alocta IU derecho 8 contlnuar vlvlondo en IU c.... 61 no compulOde el conlonidO do 811a notlllcaclon oblong. una traduction Immedlslamenlo lIamonda olla agenela (PennsylvanIa HOUllng F,nancoAaencr) sin cargOI 81 Rumero menclonado amba. Puods, ser ol~lb'e para un ptallDmo por 01 proGram. !lamBda -Homeowners' Emorgoncy MOr1gDQeAIslllanco P,ogram- 01 CUB puodo salvor eu'casD do 10 pordlda dol dorocho D ,odimlr IU hlpoloca. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTOAGE ASSISTANCE PROGRAM. PLEASE REAO THIS NOTICE. YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE ANO HELP YOU MAKE FUTURE MORTGAGE PAYMENTS 1004977!:i 0.10: July 19, 1995 AE: Accounl No.: TO' Laura L, casey 1401 l'lne FROM: F cial Trust CarqJany Rd, car!isle, PA 17103 1 West Hlg Street Car 1S e, PA 17013 You may bl IlIglbll for flnancla'I..lltancl thai will prlvlnt forlclosurl on your mortgaglll you comply with thl provl.lonl of 1t,1 Homlown.rl' Imergency Mo"oeOe AIIIII.nc. Ac! 01 1883 \'h. 'AC!"). You m.y b. .1I0Ibl. 10' .mo,o.ncy temporary 1I11.lOnce n your d.,.ull h" bo.n c,ulld bY clrcum'l.nc.. b.yond your control. you hlVI I raa.onab I prosplct of rllumlng your mortgage payment'. and II you milt othlrlllglblllty requirements ..t.bU.-hld by the Plnnsylvanla Houllno Fln.nc. Aglncy. Pl.... 'Old .11 01 Ihll Nollco.1l conlOln..n OIpl.nellon 01 your rlOhl.. Und.r tn. Act. you .r. .nllll.d 10 .I.mpor.ry .Iey 01 lor.clo.ure on your mor1g.o.lor Ihlr1Y (30) d.y.llom Ih. dal. ollhl. Nolle.. Ourlno Ih.lllm. you mu".rr.no. .nd allend a -'aco-lo-laco- meeUng wllh a represenlalive 01 lhls lender, or with a desIgnaled consumer credit counselIng agency. The purpose ollhl' mIlling I. 10 anlmpt 10 work oul. r.peym.nl pl.n. or 10 olh.rwl.. 1.111. your d.Unqu.ncy.Thl. m..llno mull occur In Ih. nullhlr1y (30) d.y.. II you alland 8 tace.lo-face meeting wllh thlllonder, or with a consumer credit counseling agency ldenlllled In lhls noUce, no further proceeding In mongaga foreclosure may I.k. pl.ce 10' Ihlr1Y (30) daye .11., rh. d.l. 01 Ihl. m.ellng. The name, address and telephone number 01 our reprosentatlve Is: Joy D, Trayer 1 .st Hiqi, street Carlisle, PA 17013 243-3212 Telephonu Number: The nume(I), addresslel), and phone numbers 01 (a) designated consumer cre<hl counseling agency(lel) Is (ore): Y1iCA 301 G Street carlisle, PA 17103 It II only necessary 10 schedulo one faco.lo.1ace meeting. You should advise Ihl,lender Immedlalely 01 your Inlentlons. Your mOr1o.o.I.ln d.l.u~B"7.'tl~ you h...I.Uad 10 p.y promplly In,I.Um.nl. 01 prlnclpol.nd Inlor..I..' ,oqulr.d.lo,. period ol.IIO.II.I.ly 180) dey.. Th.lotel.mounr ollh. d'U~Qvensx.l. S 4n 1 ' . . Tr.llu InCIUd."-lhelolIOl'l~O:B 83 d Jul I t Nay 1..arl:.L<>J.. {laymen!; u~ ..tl~,:> I, .June 5 yrren!; ot ", u, , an y s n o " Your mor1gage II 81ao In delaultlor the following foasonl: II you hava tried and are unable 10 fesol~Q Ihls problem al Dr aller your lace.lo-Iace meellng, you have Ihe IIghllo apptv lor Ilnanclal ISlls'ance from lhe Homeowner,' Emergency Mortgage Alllltance Fund. tn ordor 10 do Ihll, you mUll 'III OUI, Ilgn and lUe 8 complotod Homoownorl' ,Emergency AIIlslance APrucallon wllh one altha dulgnaled consumer cledllcounseling agenclos listed In Ihe ollachmanl.An appllcaUon lor Bsslstonco may only be obtained Itom a consumer credl counsollng agency. The conlumer credil counseling agenc)' will as.lsl you In liIUng oul your appllcallon and Wllllubmll your completed appllcallon to the Pennsylvania HOUSIng Finance AgeRCY. Vour application mUlt be flied or po.tmarked, within Ihlny (30) day. at your raco.la.lace meellng. It Is .,lIteme/y Important fhal you IlIff your appticrJllon plomptl)'. II you dO nor do '0, or /t you do not IoIlow the olher ,ime ptJrlOOJ let tonh In 'hlJ letter. 10recfOJUre may proceed agaln.' your home Immedia,ely. Available hinds lor emergency mortgage assislance ale very Iimlled. They Will bo dllbursed by IhoAgency undor the ellglblllly cnterla eslabllshed by the '-c1. 1111 e_tremely lmporlanllhal your application be accurale and complete in every respecl. Tho Pennsylvania HOUSIng Flnance'-gency noslllly (601 days 10 make 8 decisIon aile, II ,&Colvos your application. Curing Ihal oddlllonalltmo. no foreclosure pfDCelldmg. will be pUlluod aglllnsl you II you have mol tho lIme requlremenls se1 forlh abovo. You Will bo nollllod dlrocUy by thai Agency Ollis dOClSlon on YOUf applicallon. THu Ponnsylvanla Housing Finance Agoney IS localed 812101 Nonh Ffont SlIeet. PoSI Olllee 001 6020. H8tr11bulQ. ponn.ylvania 17105. Telephone No. 17' 7) 780.3800 or 1.000.3.2.2307 (Iolllr.. number). Person. wllh Imp.l, I 1.800.3~2'2307. In adchUon you may recoive anolher nollCD horn Ihillen 'called lf10 -Nollca 011"le"1I0n to Foreclosuro-. VOU mUI1 road bolh nolicel, .ince Ihoy bOlh ollplpln rlghlalhal you now have under Pom EXHIBIT 010 OIlOlCIlO your 1I0hll doscrlbod In Ihl, nohcu. you cannol bo foroclosed upon while you aro focalvlllQ Ihal 01l1118nco. 1\ !lEMA R.. 2 BJIl4 ACT 91 NOTICE TAKE AcnON TO SAVE YOUR HOME FROM FORECLOSURE .. Ttlt Commonwealth 01 Pennlylvania'. Homeowner,' Emergoncy Mongage""I.lance Program mayblBblo 10 holp you. Aead tho following noUeo 10 find ou1 how lhe proGram WOrlll. '. II ytu nood morolnlormollon tllllho Ponnlylvonlo Hou.lng Flnonto Agoncy oil (8001342,2397. La noulicaclon en Idjunlo .. de sum. Importantl., pUI' .'ocla au de,echo. conllnuer vlvlendO en au cala. 51 no comprende 81 cc.ntaoldo de ella noUllc8clon obl,nge una traduction Immlldlalamanla lIamaode esla agenela (Pennsylvania Houllng Flnane.Agency) lin cargos al Rumore monaonado ambl. Puedll..' elegible pa,a Un ptlllamo por al programallamado -Homeownors' Emorganc)' MortgagoAI.lslanco Program- 01 cUll puedo IIIv81 au calli do la pordlda dol dorocho a lodlmir au hlpotoca. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROORAM. PLEASE READ THIS NOTICE. YOU MAY DE ELlGIDLE FOR FINANCIAL ASSISTANCE WHICH CAN 8AVE YOUR HDME FRDM FORECLOSURE AND HELP YOU MAKE FUTURE MORTGAOE PAYMENTS 10049775 DOlO: July 19, 1995 RE: Account No.: TO: James M, CaSey 1467 Pine Rd. CarliAle, PA 17011 FROM: FiMncial 'i'rust Catplny 1 Np.~t Hi1.J!J !'lb-_I- CArlh.lp, PII 1'71n~ You m.y b. .lIglbl,'or IIn.n.I.' ...lllIntllh., will pr.vonl lor..lo.ur. on you, mong.g. II you comply wllh 1M provl.lon. ., tho Hom.own.... Em.rg.ncy Mong.g. AIIII.anc. Act of 18S311h. "At'"), You m.y b. .lIglbl. lor .m.rg.ncy t.mpor.ry ...I.lOncoll your d.'lull h.. b..n c.uI.d by clrcumlt.nc.. b.yond yaurcontrol, you hIVI. ,...anlb . pro,plCt of 'lIumlng your monglg. paym.ntl, end It you milt othlrlUglblllly ,.qulr.menta tllabUshld by thl P,"nlwlv.nla Houllng Fln.nc. Agncy. Pl.... r..d.1I 01 thll Nollc..11 tonl.ln..n ..pl.n.llon 01 you, rfghl.. Under the ACI. you are enllllad lo a temporary Ilay 01 10'IICIOlut. on your mor1aage for Ihlr1y (30) daya Iram the datI of this Notice. During Ihllllme you mUllartange and Inend a -lace-Io-Iac.- meellng with I ropresonlatlve of this lende" or with 8 de,fgnaled conlume, Cledlt counseling agancy. The purpose ollhls meeting 'I to .!templto work oula ropaymonl plon. or 10 otho",l.o lollla your delinquency. Thl. moollng mu.1 ottur In Iho n..llhlny 1301 dDY', n you allend ,'ecI.lo-laco melllng With Ihlllender, or With 8 consumer CI8d11 counseling Bgency Idenlified In Ihls noUce, no 'unher proceeding In mongage 'oreclolure ma)' Ilk. ploto lor Ihlny (301 doy. oller Iho delo ollhl. moellng. The name, addrell and lelephone number 01 our reprelentatlvels: Joy D. Trayer 1 west HJ.gh Street car.l.J.B.l.e, PA 17013 243-3212 Telophono Numba" The nam~~ddreU(eS), and phone numbers of (eJ designated consumer credit counseling agencyllBl) Illare): .lUl U otreet ~rJ.J.sle, ~A lllUJ 1111 only "ecellary 10 schedule one lace-la-face moeling. You Ihould advl181hlllonder Immedlalely 01 your Inlonhonl. Your mortgage lain dolaull b~aulB )'ou have 'allDd to pay promptly Inllallmonls of principal and Inlaresl. as roquired, 'or a period 01 al leall IllIy (80) daya, The '0111 amount ollhOd~ I I 03 , , .T~~t~umln~}/~o~tWifeiB,73, and Jul 's vrrent of . . Your mongegels .110 In delaull tor Ihe lollowlng '881onl: II you havelrled and 818 unable 10 'elolvelhls problem alar aller your 'acB.lo-lace meeung, you have Ihe '!ghllo apply for financill allialance tram the Homeownerl' Emargoncy Monglgo Anlllanea Fund. In ordor 10 do thlll. you musl flIl OUI. algn and llIo P camp/olad Homoowners' Emergoncy Aalislanco Application wllh one ollhe deslgnalld consumer credIt counsoling agencies Ilsledln Ihe ollachmenl.An appllcallon 'or alllslanco may only be obtained from 8 conlumer Cledlt counseling agency. The consumor credit counseling agency will allllt you In flllmg oul your appllcatlon 8ndWllllubmll your completed applicallon 10 tho PennsylvaRla Housmg finance Agency. Your appllcaUon mUll be filed or pollmarkod, wilhln thlny 130) da~1 01 your face.lo.lace moellng. 1111 edrsmely ImpOftanllhat you tile your applIcatIon promptly. "tau do not do '0. or It you do not Iallow rhe Olher r.me ".,ioels SfJllorth In thIs ',"er,lorsclosure may proceed 'Q.tn" your homeln.mectJalely. AVlllable funds tor emergency mortgage 8111slonce are ~ery llmlled. They Will be d1lbUfSDd by me Agenc)' under Ihe ellglblllly Clllona eslabllshed by Ihe ACI. Ills eluomoly Impollanlthat your apphcallon be accuralo and complelo In ovory respect Tho Penn'ylvanla Housmg FlnanceAgency hallilly (601 days to mako a docislon all or ., recelvos your applieallon. During Ihat odd.lIonalllmo. no loroclosure proceedmgs Will be pursulKJ agamst you II you havD mellhe lime roqulromenlllol forth above. You Will be nollllod duecllv by thai Agency 01 II. docIsion on your application. Tho Penn.ylvDRla HaUling Finance Agoncy IIIoC810 nh Fronl SlloOl, Pall Olllea BOI 8029. Hatrllburg, Penn.~lvanlq 17105, Telophone No. (7111 760.3800 or 1.800.342.230711011 "00 numborl, Po"on. Willi Imp 91. In addition you may recaivI anolher "ollee Irom lhlll EXHIBIT 0 II called Ihe -Nol.eo ollnlonllon 10 Foreclosure-. You mUll road bolh noUco.. lince Ihoy both o.plain rlghlslhal you now havo undor PI 01010 0.orel$8 your lights descrlbod In Ihls nollco, you cannot Do forBclosod upon whllo you aro rocolvlng Ihal alalalanca, / IIEM4 nnv ~ 11194 .. . -.' . NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: tl~W~e CR~~ ~r~1~~~, ~~ I/IUJ Date of Notice ,July 1 q, 1 qqr, Loan No. 10049775 The MORTGAGE held by Financial Trust Cc:mlIPI1Y 1 West Hiah street Carlisle, PA 17103 (hereinafter we, us or ours) on your property located at 1467 Pine Road Carlisle, PA 170li]] IS IN SERIOUS DEFAUl- T. because you have not madeJthe mpnthly payments of $ 10B,73 . for the months of '$~rt1al ~~t of un~ 1995 and July 1995 and/or because ..:J I fo I ~!J:J ' , . Late charges and other charges heve also accrued to this date In the amount of . The total amount now regulred to cure this default, or In other words, get caught up In your payments, as of the date of this letter, Is $ 307,03 . You may cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the abova amount of $ 307.0, , plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at Financial Tmst C'rrllpIlny 1 West high Rtrppt C'",rll..,.., PII 17m, . . . If you do not cure the default within THIRTY (30) DAYS, we 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 Intend to Instruct our attorneys to start a lawsuit to foreclose your mortgaged property, If the mortgage Is foreclosed your mo'rtgaged property will be sold by the Sheriff to payoff tha mortgaga debt, If we refer your cese to our attorneys, but you cure the default before they begin legal prOCEedings against you, you will stili have to pay the reasonable attorney's feas, 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 dafault within the thirty day period, you will not be required to pay attorney's fees. ., We may also sue you personally for the unpaid principal balance end all other sums due under the mortgage. If you have not cured the dafault within the thirty day period end foreclosure proceedings have begun, you stili 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 payments plus any late or other charges then due, as well as the reasonable attornay's fees and costs connected with. the foreclosure sale and perform any other require. ments under t~or~'lM' It Is estimated that the earliest date that such a Sheriff's sale could be held would be approximately' . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will Increase the longer you walt. You may find out at any time exactly what the required payment will be by calling us at the following number: 243 3212 . 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 e 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 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 OETERMINE 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.EXISTE CE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOS If you cure the default, the mar you ore not entitled to this right to EXHIBIT .'l I he same position as If no default /rad occurred. However, an three times 1?,aT1Vjcolendr:-YCa~1. Bv ~~}.:r~L-! t'(.(;\{ '- r.'''.~ ,,' ,. . , , NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: :Ji\l.'HC !4. I ~:.r.I.," 1 c(\i Pi:-~ '~n:'(! Cilrli~j", p,~ 1~C11:: Date 01 NOllce 01:1', I',', 1~~~ Loan No. II C"'Jii'~, The MORTGAGE held by "il:"I1';~"l 'i'rw,t Ctj.~:I.I;Y 1 \'iO:llt: HiS:. .;tl".~.t C;.rlld,', ,Ill 1 ill;; (hereinafter we, us or oursl on your property loceted at 14u', <'l.ne RCilC ';.'.rJ~" I,", ",\ I" l... 1 IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ 11::,. j". for the months of ,'~,I".J'J :,....,'1':: ,'r ,j,:;~". I',S': and .:pj'.' lr.,.~ and/or because "c ;,.., .'-. .....:' I ~ 'J~ ' Late charges and other charges have also accrued to this date In the amount of . The lotal amount now required to cure Ihis defaull, or in other words, get caught up In your payments, as of Ihe dale of Ihls lattar,ls$ 'J(j7,(,:i You may cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount of $ :;lJi ,li3 , plus any additional monthly payments and late charge which may fall due during this period. Such payment musl be mada either by' cash, cashier's check, certified check or money order, and made at r'lr.\u:cial Tn:rn: (;'::::on-.. 1 f;ubt .1~rl1 Slr,;O't C~lrli51t:." Pl\ 7T01~ . If you do not cure the default within THI RTY (301 DAYS, WIl intend to exercise our right to accelerate the mortgage payments. This means that whatever Is owing on the original amount borrowed will ba considered dua Immediately and you may lose the chance to payoff the original mortgaga In monthly Installments. I f full payment of the amount of default 15 not made within THI RTY (301 DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose 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 attorneys, but you cure Ihe default before Ihey begin legal proceedings against you, you will stili 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 cosls. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. We may also sue you personally for tha unpaid principal balance and all other sums due under the mortgaga. If you have not cured the dafauit within Ihe thirty day 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 payments plus any/ate or other charges then due, as WIlli as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require. ments under the mortgage. It 15 estlmaled that Ihe earliest date that such a Sheriff's sale could be held would be approximately DIlC, 1 ~ 9!: ,A notice of the dale of the Sheriff sale will ba sent to you before the sale. Of course, the amount needed to cura the default will Increase the longer you walt. You may find out at any time exactly what the required payment will be by calling us atlhe following number: 243- j21:! . 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 II. If you continue to live In the property after the Sheriff's sale, a lawsuit could be starled to evict you. You have additional rrghts to halp protect your Interest in the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. If you cure the default. the mortg you are nol enlitled 10 this rlohllo c EXHIBIT ( J same pos;tiol1as if 110 default had occurred. However. n three tlmos In any calendar yoar. l '. I I' ,i..f.l" ~ '~/' .. ,'.- . ." . . BV NIF fl..... ~ ~1801 r.;:~.1 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 CIVIL TERM 1995 COMPI.J\INT 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, Defendant, 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 January 20, 1993, Defendants made, executed and delivered to plaintiff a note and a real estate mortgage financing Five Thousand Three Hundred Forty-three Dollars and 15/100 (5,343.15), a copy of said note 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 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 said real estate mortgage are in default because Defendants herein have failed to pay the payments that were due and owing for May 15, 1995, June 15, 1995, July 15, 1995 and August 15, 1995, 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 19, 1995, 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 requir~d by the Homeowner's Emergency Assistance Act of 1983, dated July 19, 1995, 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 Three Thousand Three Hundred Sixty-six Dollars and 02/100, ($3,366.02) with interest thereon at the rate of Eight and one-quarter (8.25%) percent per annum computed from June 15, 1995, accruing insurance premiums, attorney's fees in the amount of One Hundred Sixty Dollars and 18/100 ($160.18) are now due and payable, 10. The Defendants are liable to the plaintiff for the following on said mortgage loan: A. principal and Interest due through August 21, 1995 $ 3,203.62 B. Interest at 8,25% from 8-21-95 to 8-23-95: $ 2.22 C, Late Charges: $ D, Attorney'S Collection fee: $ 160,18 TOTAL: $ 3,366.02 WHEREFOl{E, plaintiff prays the Court to enter judgment in favor of plaintiff and to order the foreclosure and sale of the mortgaged property and for the amount of Three Thousand Three Hundred Sixty-six Dollars and 02/100 ($3,366,02) together with interest thereon, costs and all other amounts advanced by Plaintiff, ~~ <"'-"- William A, Duncan, Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 PROMISSORY NOTE Account :' "_.;_' -'I: Borrower: Jemea M. Casev Laura L. Casev 1407 Plna Road C8IlIsla, PA 17013 Lender: Fannara Truat Companv Main Olllca Ona West High Slreet Carlisle, PA 17013 Prlnclpel Amount: $5,343.16 Intereat Rate: 8.250% Dale of Note: Januery 20, 1993 PROMISE TO PAY. I promise 10 pav 10 Fannera Trult Companv ("lender"), or ordar, In lawlUl monav ollha Unlled Stalea 01 America, tha principal amounl 01 Flva Thoull8nd Three Hundrad ForIY Three & 15/100 Oollara ($5,343.15), logelher wllh Inleresl althe rele 01 0.250'" por ennum on Iha unpaid principal balance Ironl January 20, 1883, unlll paid In lUll. PAYMENT. I will pay Ihla loan In 00 paymenla 01 .100.73 aach pavmanl. My Itrel pa)'menlla dua February 15, 1883, and allaubsequenl pavmenll ara due on Ihe earna dav olaach month alter Ihal. MV Itnal pavmanl will be dua on January 15, 18g0, and will be lor all principal and all accruad Inlereal nol val paid. pavmenlalncluda principal and Interesl. Inleresl on Ihls Nolels compulod on e 30/3&0 Ilmplelnloresl basls;thll Is, wllh Ihe excepllon 01 odd doys In Ihe nrsl paymenl porlod, monlhlv Inlareslls calculoled by epplylng Ihe rallo ollhe annuallnleresl rale ovor a yoor 013&0 days, 11m" Ihe oUlslandlng prlnclpal balance, limes a monlh 01 30 days. Inler8$1 lor Ihe odd days Is calculolad on the basis ollhe aclual days 10 Ihe naxl 'ull monlh end a 350-day voar. I will pav Londer al Lende(s address shown above or atluch olher place os Lender mav doslgnate In wrlllng. Unless olherwlse agraed or required by appllcabla law, paymanls will be applied firsllo occruad unpaid Inlarasl, Ihan 10 prlnclpal, and anv lemalnlng amounllo any unpaid collecllon costs and lale charges. PREPAYMENT. I may pav wllhout penaltv all or a portion 01 lhe amounl owed earlier Ihan II Is due. Early paymenls will not. unless agreed 10 bV Lender In wrlllng, rellevo me 01 my obllgallon 10 conllnua to make paymenls undar Ihe paymenl schedule. Ralher, Ihev will reduce the prlnclpal balance due and may resullln mv making lewar paymanls. DEFAIA.T. I will be In delaullll any ot the 'ollowlng happens: (a) Ilallto make any paymenl whan dua. (b) I broak any promise I havo made 10 Lendar, or IlaU 10 ferlorm promplly allhe lime and slrlclly In Ihe mannar provided In this Nole or eny agreement relaled 10 this Nola, or In any olher agreemanl or loan have wllh Londer. (c) Any reprosonlallon or slalomonl mado or lurnlshed 10 Lendor by mo or on my bohall Is lalso or mIsIoadlng In any malorlel respect. (d) I die or become Insolvont. e receiver Is appolnled lor eny pari 01 my properly. I make en asslgnmenllor Ihe benafil ot credllOlS, or any proceodlng Is oommencad ellher by me or agaInst me undar any bankruplcy or Insolvancy laws. Howavar, my doalh wUI not be an evenl 01 delaull II as a rasull ollha dealh Ihe Indeblednoss Is 'ully covorod by credll ilia Insuranco. (0) Any crodllor Irlos 10 Ioko any 01 my property on or In which Lender has a lien or securlly Inlorest. This Includas 0 garnlshmonl 01 ony 01 my eccounls wllh Londor. (I) Any 01 Iho evonls descrlbad In Ihls defaull seellon occurs wllh respect 10 any guaranlor ollhls Nole. (g) Lender In good lallh deems IIsolllnsacure. LENDER'S RIGHTS. Upon delaull, Lender may declara Ihe enllla unpaid prIncipal balanca on this Nole and aU eccrued unpaid Inlorost Immodlalatv due, wllhoul nollca, and Ihen I will pay Ihat amounl. Lender may hire or pay someone else 10 help collecllhls Nole III do not pay. I also wlU pay Lender thai amoun!. This Includes, subjecl to any IImlls under applicable low, Lendo(s allorne\'l' lees and Lende(s Iogal expenses whether or not lherels a IawsulI, Including aUorneys' loes and logal expenses for bankruplcy prcceedlngs (Including ellorts 10 modltv or vacale any aulomallc sloy or InJuncllon), appeals, and anv anllclpaled posl-ludgmenl ccllecllon S8IVIces. II nol prohlblled by applicable law, I also will pay any court cosls, In addlllon 10 aU olher sums provided by law. IIJudgmenlls anlerad In connecllon wllh Ihls Nole, Inleresl wlU conllnue to accrue on this Nole after ludgmonl 01 Ihe exlsllng Inleresl rele provide lor In this Nole. Thla Nola haa bean delivered to Lander and accepted bV Lender In Ihe Commonwaallh 01 Pennaylvanla. IIlhere la alawaUltl1 agree upon Lender'. requesl to .ubmlt to the Jurisdiction 01 Ihe courls 01 Cumberland Countv, Iha Commonwealth 01 Panneylvanla. Th I Nole shall be govarned by and construed In accordance wllh tha lawe 01 Ihe Commonweallh 01 Pannsylvanla. RIGHT OF SETOFF. I granllo Lender a conlraclual possessory seeurltv Inlerest In, and hereby anlgn. convey, deUvot, pledge, and Iransler to Lander all my righi, IIl1e and Inlerestln and 10, my accounls wllh Lander (whelher checking, savings, or some olher accounl), Including without Umllollon 01 accounts hold jolnlly wllh someone else end all accounls I mey open In Ihe lulure, excludlng however ell IRA, Keogh, and Irust accounts. I authortze Lender, 10 Ihe exlenl permllled by eppllcablelaw, to charge or sololl all sums owing on Ihls Nole egelnsl any and .U such aceounls. COLLATERAl. This Nole Is secured by a Morlgage doled January 20, 1993, 10 Lender on real properly localed In Cumberland Countv, Commonweallh 01 Pennsylvania, all Ihelerms and condillons 01 which are hereby Incorporaled end mado e pert ollhls Nole. GENERAl PROVISIONS. Lender may daloy or 10lgo enlorclng .ny ollis rlghls or remedies under Ihls Nole wllhoulloslng Ihem. I and any olher porson who signs, guaranlees or endorses Ihls Nole, 10 the axtent ellowed by lew, waive presenlmenl, demand lor paymenl, prolest and nollce 01 dishonor. Upon any chengeln Ihelerms ollhls Nole, and unless olherwlse expressly slaled In wrlllng, no perly who signs this Nole, whelher as maker, guaranlor, accommodallon maker or endorser, shall be released Irom llablllly. All such parlles egree Ihal Lender may renew or exlend (repoetedly and for any lenglh of IIme)lhls loan, or release any party or gueranlor or collaleral; or Impair, lalllo realize upon or perlecl Lender's securltv Inlereslln lhe collaleral; and lake any olher acllon deemed necessary by Lendor wllhoullhe consenl 01 or nollee 10 enyone. All such parlles elso egree Ihsl Lender may modltv Ihls loan wllhout Ihe consent 01 or nollce 10 anyone olher Ihan Ihe parly wllh whom the modillcellon Is made.The obllglllons under Ihls Nole arelolnl and sevoral. This moans Ihet Ihe words ", 'me', and 'my" mean each and all ollhe pelSons signing below. II eny portion ollhls Nole Is lor any reason delermlned 10 be unenlorceable, It will nol alleel the enlorceabllltv 01 any olher provisions ollhls Nole. PRIOR TO SIGNING THIS NOTE, I, AND EACH OF US, READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS NOTE. I, AND EACH OF US, AGREE TO THE TERMS OF THE NOTE AND ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THE NOTE. (SEAL) x~P1~ ~fk~ ' ur L. Casey (SEALI: .lnll.lIm,nt, u,sen, .g U,S. P.t.' n S,rvlCe arcop, Inc. Allllgn" flurY'd, IPAeoao CA6fYJM LN nu.ovL) EXHIBIT j ;-/ RECORDATION REQlJESTED BY: F.rm". Tru.' Company On. We'll HIgh 5treel . CIIUaI., PA 17013 / ,') ... I. I.~r~:....>i" l.r :..L.:1)5 " I... ..' I, \J Jfi'i'( - i':, WHEN RECORDED MAIL TO: Filmer. Trull Comp.ny On. W..t HIgh Streel C.rtlal., PA 17013 '93 Jr.:! 26 Pi~ II 00 SEND TAX NOTICES TO: JlIm.. M. ClllY and Leu,. L. C",y 1487 Pin. Roed C.rUaI., PA 17013 SPACE ABOVE THIS LINE IS FOR RECORDER'S USE ONl. Y MORTGAGE THIS MORTGAGE IS DATED JANUARY 20, 1993, between James M. Csaey and Laura L. Casey, owner(a) In fee simple, whose addresa la 1467 Pine Road, Carlisle, PA 17013 (referred to below aa "Grantor")j and Farmera Trust Compsny, whose address Is One West High Street, Cerllsle, PA 17013 (referred to below ss "Lender"). GRANT OF MORTGAGE. For valu.bl. conald.ratlon, Grantor gr.nl., b.rgaln., eeU., convey., .uJgn., 'ran,'er., rel..II., connon. end mortlllge. 10 Lender .U 01 Grenlor's righi, IlIIe, end Inlereslln and 10 Ihe 'ollowtng describod reol property, lagolher wUh el e.lsllng 01 lubsequenUy ereclod 01 affixed buildings, Improvements and fixlur8S; eU Slreoll, lanes, alleys, passages, and ways; aU eosemenls, righls 01 way, aD lIber1Jes, privileges, lenemenls, heredllamenls, and appurlonances Ihoreunlo bolonglng 01 anywlsa mado appurlananl heraaller, and the raverslons end ramelndal1 wtlh respecllharalo: aU walor, walor righls. walercoul1OS and ditch righls (Including slock In ulIIllIl$ wllh dllch Ollrrigallon righls); and al olhar righls, royalUos. and prollls relating 10 Iho rell proparty, Including wllhoulllmllallon all mlnorols, 011, gas, goolhermal end similar mallors, locsted In Cumberlsnd County, Commonweslth of Pennsylvania (the "Real Property"): Deed Book: 33X Page: 349 and Penn Township The Real Property or Its address Is commonly known as 1467 Pine Road, Carlisle, PA 17013. GranlOl plasanUy assigns 10 Lendet aU 01 GlanIOl" righi, UlIa, and Inleleslln and 10 aU leases 01 Ihe PIOPlllly and all Renls 'rom the Property. In addlllon, Granlor granls 10 Londor a Unllorm Commercial Codo socurlly Inloreslln Ihe Personal Properly end Ronls. DEFINITIONS. Tho fOllowtng WOlds ahaU hava Iho 'ollowtng maanlngl when ulod In Ihls Morlgege. Terms nol olherwlse donned In Ihls Morlg.ge lheU have Ihe meanings aUribuled 10 such lorms In Ihe Unllorm Commorclel Coda. All references 10 dollar emounls sholl meen emounts In lawtul money 01 Ihe Umled Slales 01 Amorlce. Exl.tlng Indebtedn.... Tho WOlds "Exlsllng Indebledn8Ss' moan Ihelndeblodness described below In Ihe Exlsllng Indebledness seellon 01 Ihls Morlgaga, Granlor. The word '(ironlo" means JlIm.. M. C.sey .nd L.ura L. CallY. The Granlor Is Iha morlgegOl undar Ihls Mortgage. GUII.ntor. Tha word 'Guaranior'" moans and Includes wllhoul Umllallon. oach and all 0' Ihe guaranlors, surellos, .nd accommodallon plrllos In connecllon wllh Iha Indeblodness. Improv.menla. Tho WOld 'Improvemonls' means and Includ8S wllhoul Umllation .U e.lsllng .nd lulure Improvemenls, nxlures, buUdlngs, slruclures, moblla homes efflXed on Ihe Roal Proporly, fecllilles, addillons and olhor conslrucllon on Iho Real Properly. Ind.bledn.... Tho word 'ndeblodnass' moans aU principal and Inleresl payable undar the Note and any amounls expended 01 advanced by Lender 10 discharge obllgallons of Granlor or oxpansas Incurrod by Lender 10 onlorco obllgallons of Granlor under Ihls Morigago, lagelher wllh Inlerasl on such amounls as provtdod In Ihls Morlgago, Lender. The WOld 1.ende" means Farmars Trusl Company. lis successors .nd assigns. Tho Lendar Is Iha morlgagae under Ihls Morlgage. Mortgage. The word 'Morlgage' means Ihls Morlgago belwaen Granlor and londer. and Includes withoulllmllallon aU asslgnmenls and seeurlly Inlar8S1 provtslons relallng 10 Iho Porsonal Proporty and Renls. Nol.. The WOld 'Nola' means lhe promissory nolo 01 cradit agroomenl dalad January 20, 1993. In the original principal amount of $5,343.15 Irom Granlor 10 Londar, lagather wllh all renewals 01. edanslons of, mod/llCallons of, refinancings 01, consolldaUons 01. .nd subslituUons 101 tho promissory nolo 01 agreemenl. P.r..n.1 Properly. Tho WOlds 'Personal Properly" mean all equlpmenl, fixluras. and olher articles of personal properly now or hereallOl owned by Granlor, and now 01 horoaller allached or alll,od 10 Ihe Real Propo,ly; lagelher with ell accosslons, pa,ls, and addillons 10, alllaplacamanls of. and all subshluUons for, eny of such proporty: and lagelher with all ploceeds l'ncludlng withoulUmllallon alllnsUlance procoods and relunds 01 plemlums) Irom eny sale or olhor dlsposllion ollhe Properly. Properly. The word 'Ploperty" means collecUvely Iha Real Properly and Iho Porsonal Property. R.al Properly. Tho words 'Real Propa'ly" mean Ihe propOlly,'lnleresls and Ilghls desclibod abovo' R.lol.d Docum.nla. Tho words 'Rolaled Documenls' moan and Includo withoul UmllaUon all agroemenls, guaranllel, socurlly agroomanll. mo,lgogos, doods of husl. and all olhar Inslrumenls, heraallor oxlsting. o,eculod In connocllon wllh Iho Indoblednoss, Renla. The wo,d 'Renls' means oil prosonl and Iulule lonls, levenuos, Income, Issuos. royalllos. Properly. biio/, 11 j 5 r,IC( 14.7 35K 1053 EXHIBIT manll, loan Iher now or I' ed hom Iha MORTGAGE (Conllnued) THIS MORTGAGE, lIia.UOING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY IS GIVEN TO SECURE (11 PAYMENT OF THE INDEBTEDNESS AND (21 PERFORMANCE OF AlL 08LIGATIONS OF GRANTOR UNDER TitlS MORTGAGE AND THE RaATED DOCUMENTS. THIS MORTGAGE IS GIVEN AND ACCEPTED ON THE F0L1.0WING TERMS: PAYMENT AND PERFORMANCE. Exceplas olherwlse provided In Ihls MOI1gage, GranlOl shall pay 10 Lender all amounts secured by Ihls MOI1gaga as Ihoy bacoma duo, and shallllrlclly parform all 01 Granlor's obllgallons undor Ihls Mortgogo. POSSESSION AND MAINTENANCE OF THE PROPERTY. GranlOl agrees Ihal GranlOl'1 possession and use ollhe Property shall be governed by Ihe lollowlng provisions: Po....alon and UIO. Until In defaull, Grantor may rematn In possession and conlrol 01 and oparalo and managa Iha Property and collecl tha Renls from Ihe Property. DulY 10 Malntaln. Granlor Ihall maintain Ihe Property In lenantable condlllon and promplly perform all repairs, replacemenls, and malnlenanco nocassary 10 pr8S8lVo lis value. Hazatdoua Subatancl8. The tDfms 'hazardous wasta," 'hazardous aubllance," 'disposal," 'release," and 'hreatened release,' as usad In Ihls MOI1gago.lhell hava Iha lama meanings as sellOl1h In the Comprehensive Envlronmenlll Response, Compensallon, and L10bllily Acl of 1980, as amended, ~2 U.S.C. Secllon 9601. et seq. ('CERCLA" lho Superfund Amendmenls and Reaulhorlzallon Acl 01 '988, Pub. L. No. 99-499 ('SARA'), Ihe Hazardous Malerlals Transportallon Act, ~9 U.S.C. Seellon 1801, ellOq., Ihe Resource ConseNallon end Racovery Acl, ~9 U.S.C. SeeUon 6901. el seq., or olher eppllcable slale or Federal laws, rules. or regula lions adopled pursuanlto any oflhe foregoing. The terms 'hazardous wasle' end 'hazardous subs lance' shall also Include. wllhout 1Im1lallon, pelroleum and pelroleum by-producls or any fracllon thereof and asbeslos. Granlor represenls and warranls 10 Lender Ihal: (a) Ourlng Ihe pertod of Granlor's ownership ollho Property, Ihere has been no use, generaUon, manulaclure, slorage, Ireatmenl, disposal, release OIlhroalened releesa 01 any hazardous waste or lubslanca by any person on, under, or aboul tha PropertYi (b) GranlOl has no knowledge 01, 01 reeson 10 believe Ihallhere haa been, excepl as previously d1sclasad to and acknowledged by Londer In wriUng, (I) any use, gonerallon. manufeclure, Il00age, Ireelmenl, disposal, release, OIlhrealened release 01 any hazardous wasle 01 subslance by any priOl owners 01 occupenls oflhe Properly or (II) any eclual or Ihrealened Iillgallon or claims of any kind by any person relallng 10 such mailers: and lc) Excepl eS previously disclosed 10 end aCknOwledged by Lender In wrlllng, (I) nellher Granlor nOlany lenenl, conlractor. agenl 01 olher aulhortzed user of Ihe Property shall use, generate, manuleclura, slOla, Ireal, dispose 01, or release any hazardous waale 01 substance on, under. 01 eboullho Property and (II) eny luch acUvlty sholl be conduclad In compliance w1lh aD appllcable federal, slala. and locallawl, regulallons and ordinances. Including wllhoul IImllallon Ihose laws, regula lions, and ordinances descrlbed above. GranlOl aulhorizes Lender and lis agenls 10 enler upon Ihe Property 10 make luch Inspacllons and lesls as Lender may deem appropriate 10 delarmlne compliance ollhe Property wllh Ihls lacllon ollhe MOI1gage. Any Inspacllons or lesls made by Lendar IheU be lor Lende(a purposes only and IhaD nol be conslrued 10 creele any responsibility OIl1ablllly on the pert of Lender 10 Grantor 01 to any other person. The represenlallons and warranlles conlalned herein are baaed on Granlo(1 due diligence In Invesllgallng Ihe Property 101 hazerdous waste. GrenlOl heraby (a) releases and Waives any luture claims egalnst Lender fOllndemnlty 01 conlrlbullon In tho event GranlOl bacomes liable lor cleanup or olher costs under eny luch laws, and (b) agrees 10 Indemnity end hold harmless Lender agalnsl any and all clalms.losles, lIebllllles. damages, penatlles, and expenses which Lender may dlraclly OIlndlraclly IUS lain 01 suller resutllng Irom a breach of Ihls secllon of the MOI1gage 01 es a consequence 01 any use, generallon, manufacture, Itorage, disposal, relnse or Ihrealened release occurring prior 10 Granlot's ownership 01 Inlerest In Ihe Property, whelher 01 nollhe same was 01 should have been known 10 Granlor. The provisions 01 this secllon 01 the MOI1gage, Including Ihe OOllgallon to Indemnity, shall IUrvlve Ihe raymenl ollhe Indebledness and Ihe sallslacllon and raconveyance ollhellen 01 this Mortgage and shaD nol be ellecled by Lender's acquislllon 0 any Inlereslln Ihe Property, whelher by foreclosure 01 olherwlse. Nulsanca. Waata. GranlOl shall nol cause, conducl or permll any nuisance nOl commll, permll, OIluller any slripplng 01 or wesle on or to Ihe Property 01 any porllon oflhe Property. Wllhoulllmlllng the generallly ollhe 100egolng, Granlor will nol remove, or granllo any olher party Ihe right to remove, any limber, mlnerels (Including oil and gas), soli, gravel or rock producls wllhoullhe priOl wrlllen consenl 01 Lender. namoval ollmprovementa. GranlOl shall nol demolish 01 remove eny Improvemenls ~om the Real Properly wllhoullhe priOl wrillen consenl 01 Lender. As a condlllon to Ihe removel 01 any Improvemenls, Lender may require Granlor 10 make errangoments sallslaclory to Lender 10 replace such Improvements wllh Improvements 01 elleast equal value. Lendar'a RighI 10 Enter. Lender and lis egenls and represenlallves may enler upon the Real Properly al aU reasonable limes 10 allend 10 Lende(s Inleresls and 10 Inspecllho Property for purposes 01 Granlo(s compliance wllh Ihe lerms end condlllons of Ihls MOI1gage. Compllanca wllh Governmental Requlremente. GranlOllholl promplly comply wllh all laws. OIdlnances, end regulallons, now 01 hereaner In ellecl, 01 aU governmental aulhorilles eppllcable 10 Ihe use or occupancy of Ihe Property. Granlor may conteslln good lallh any such law. OIdlnance. 01 regulallon end wllhhold compliance during any proceeding, Including eppropriale appeals. so long as Granlor has nolllled Lender In , wrillng prior to doing so and so long as. In Lende(1 1010 opinion, Lender's Inleresls In Ihe Property are notloopardlzed. Lender may require Granlor 10 posladequale security or a surety bond, reasonabty sallslaclory 10 Lender. to prolecl Lendo(s Inleresl. DulY 10 Prolecl. Granlor agrees nellher to abandon nor leave unallended the Property. GranlOl shall do all olher acls, In addlllon to lhasa acls sel fOl1h above In Ihls secllon, which from Ihe characler end use ollhe Property are reasonably necessary 10 prolecland preseNe Iha Property. DUE ON SALE _ CONSENT BY LENDER. Lender may, allls opUon. declare Immediately due and peyable all sums secured by Ihls Morigage upon the solo 01 Iransler, wllhoullhe Lende(s priOl Wllllen consenl, 01 all 01 any part ollhe Real Property, 01 any Inlereslln Ihe Real Property. A 'sale or ~ansfer" means the conveyance 01 Real Property or any righI, IIl1e or Inleresl therein: whelher legal 01 equllable; whelhor volunlary 01 Involunlary; wholher by oulrlghl sale, deed, Inslallrunt sale contracl, land contracl, conlract for deed, leasehold Inleresl wllh alarm gr.aler Ihan Ihree (3) years, lease-opllon conlracl. or by sale, asslgnmenl, OIlranslar 01 any benellclallnlereslln 0110 eny land trusl hOlding IIl1e 10 Ihe Real Property, 01 by any olher method 01 conveyance of Real Property Inleresl. II any Granlor Is a COlporallon or parlnorshlp, Iransler elso Includes any change In ownershlr ot more Ihan twenty-five percenl (25%1 ollhe vollng slock 01 partnership Inleresls, as the case may be. 01 Granlor. However, this opllon shaD no be exercised by Lender II such e,erclse S prohlblled by federal law or by Pennsylvania law. TAXES AND LIENS. The lollowlng provisions relallng to Ihe laxes and lIans on Ihe Property are a part 01 this MOI1gage. ,.-" i 11 C, PltE 1.'8 Paymenl. GranlOlshall pay when due (and In all events prior 10 delinquency) allwes, payrolllaxes. speclall..e~~lebftllj'l\lt, viater char~es and sewer servtce chargas levied agalnsl or on account ollhe Property, and shall PlY when due all claims lor work done on or lor services rendered 01 materlallurnlshed 10 Ihe Properly. Granlor Ihall malnlaln Iho PrororlY Iroo 01 all liens having prlorily over or equal 10 Ihe Inlerasl 01 Lender under Ihls Morlgago, e'cepl fOl Ihe I,en 01 I..es and assassmenls no due, e,copllor Ihe E,lsllng Indebledness relerred 10 below, and exceplas olherwlse provided In Ihe loIlowing paragraph. Right To Conlesl. Granlor may wllhhold paymenl 01 any la" assessmenl, 01 claim In connecllon wllh a good lallh dispule over the OOllglllon 10 PlY, so long as Lender's Inlereslln Ihe Proporly Is nolloopardized. II e I,on a,isos or Is 1,Iod as a resull 01 nonpaymenl, Grantor shall wllhln nneen (15) daYI aller the lion erlsos or, II a lion Is Iiled, wllhln f,IIoon (16) days ollar Granlor hiS nollco oll/le Wng, secure Ihe dlscha,go ollhe lien. 0111 requoslod by Lender, doposll wllh Lendor cosh or e sulhclenl corporalo suroly bond or olhor securUy salislaclory 10 Lender In an amounllulficlenl 10 dlschargo Ihe lIan plus eny cosls end ellornoYll' loos or ol/lor chaloas Ihal could accruo os a lesull 01 a loroclosure or selo undor Iho lion. In any cOlllosl, Glonlol shall dolond II~Dlf and' UIlIJUI ond !allall !anhslv OilY Dd'WUI!.O judUllIoll1 IwlolO flnlOlcflfflonl OOLllll!.t tho rlOpoll'/. Gronlor shall paga 2 MORTGAGE (Continued) . . Page 3 name'tender 81 an addlllonal obllgllC under any luraly bond lurnlshad In lhe conlesl proceadlngs. Evidence 01 Payment. Grantor lhall upon damand lurnlsh to Lander sallsfaclOfy evidence 01 paymenl ollhe Iaxes or assessmenls Ind IhaD aulhorize Ihe approprlale governmental olllclal 10 deliver 10 Lendor al any lime a wrlllen slotemonl 01 Ihe lo,os ond ossossmenls agalnsllhe Property. Nollce 01 ConetNcllon. Granlor shall nollly Londer al \easl nneen (16) days balore any work Is commonced, any aefVlces are lurnlshad, 01 any malerlals are suppllod 10 Ihe Proparty,lI any mochanlc's lien, malerlalman's lion, or olher lion could be asserted on accounl 01 Iho work, serv\cas, or materlals and Iho cosl e,ceeds $6,000.00. Granlor will upon roquosl of londer lurnlsh 10 Lendor odvanco assurances sallsfaclory 10 lender thai Grentor can end will poy Iho cosl 01 such Improvomonls. PROPERTY DAMAGE INSURANCE. Tho lollowlng provisions relallng 10 Insurlng lhe Proporty are a part 01 Ihls Mortgage. Maintenance ollnlurance. Granlor lhall procure and malnlaln pollcleol 01 tire Insuranca wllh llandard exlanded coverega endOBGmenls on a replacomonl basis lor Iho fulllnsuroblo value covering alllmprovemonls on Iho Real Property In an amounl sulflclonllo avoid appllcallon 01 any colnsuranco clauso, ond wllh a slandard mortgagee clauso In lovor ollondD(. PoIlcles lhaD be wrlllon by auch Insurance companies and In auch lorm oS may bo roosonably occoplabie 10 londor. Gllnlor shaD dollvD( 10 londor corUncales 01 coverago Irom oach Insuror conlalnlng a IlIpulaUon Ihal covorogo WIll nol be cancellod or dlmlnlshod Wllhoul 0 minimum 01 Ion (10) days' prlor wrlllon nollco 10 lendor ond nol containing ony dlsclalmor ollho Insuro(llIoblllly for falluro 10 glvo luch nollco. Should lhe Roal Proporty al any Umo becomo localod In an orea deslgnaled by Iho D~eclor 01 tho Fodoral Emorgoncy Managomonl Agency os 0 special nood hazard aroo, Gronlor agrees 10 obloln and maintain Fodorll Flood Insuranco, 10 Ihe oldenlsuch Insuronco Is roqulrod and Is or becomos ovallabl8, lor Ihe lorm 01 Ihe loon ond lor Iho lull unpaid prlnclpll balanco ollho loan, or Iho maximum IImll of covorogo Ihalls avallablo, whlchovar Is less. Appllcallon 01 Proceeda. Grantor Ihall promplly nollly londor of any loss or damago 10 lhe Property II lhe esllmalod cost 01 repa~ or replacemonl oxceeds $600.00. lender may mako proof 01 loss II Granlor falls 10 do so wllhln fifteen (16) days ollho casually. Wholher or nol londo(s socurlly Is Impalrod, londor moy, allls elecllon, epply Iho proceeds 10 Iho reducllon of Iho Indablodnoss, paymonl of any lion ollecllng Iha Proparty, or Iho roslorollon and repolr ollho Proporty. IIlondor olecls to apply Ihe procoods 10 resloraUon and repair, Grantor shall repair or roplaco tho damagod or dostroyad Improvemonts In a mannor sellslactOfy 10 londor. londor shall, upon sellslaclOfy prool of such expondlture, peyor rDlmbulH Grentor hom tho proceeds for the roosonable cosl 01 repair or restorollon II Gronlor Is nolln dolaull horeundor. Any proceeds which have nol boon dlsbursod Wllhln 180 dol" efler Ihelr recelpl and which londor has nol commlllod 10 Iho ropalr or roslorallon 01 tho Proporty shall bo used nrslto pey ony omounl owing 10 londor undor Ihls MortgBgo, thon 10 propay occrued Inlaresl, and Iho romBlndor, II any, ahsD ba applied 10 tho prlnclpal balonce ollho Indebtednoss. II Londer holds ony procoods anor paymonlln lull 01 tho Indobladnoss, such proceeds shall bo paid 10 Gronlor. Unexpired In.urence el Sele. Any unoxplrod Insurance Ihall Inuro 10 Iho bonofil 01, Ind pass to, Ihl purchaser of Iho Property coverod by IhIs Mortgago allny trustoo's 1110 or olhlr salo hold undor Iho prOVIsions 01 this Mortgagl, or al any foreclosure lalo 01 such Property. Compll8l1ce wllh Exlatlng Indeblednell. Ourlng Ihl portod In which Iny Exlsllng Indobledness descrlbod below Is In ellecl, compliance Wllh lhe Insurlnce provisions conlolnod In Iho InslNmlnl evldonclng auch Exlsllng Indebtednoss shall conslilutl compllenco wllh Iho Insurlnce provisions undor IhIs Mortgago, 10 Iho extlnt compllanco wllh Iho lerms of Ihls MortgBgo would conslllulo I dupllclllon ollnsurlnco rlqu~omenl. II Iny proceeds Irom tho Insuranco become payablo on loss, thl provisions In Ihls Morigago lor division 01 procoods shall apply only 10 thai por1lon 01 Iho proceeds nol payablo 10 Ihe holdor ollhl E,lsllng Indebtodness. EXPENDITURES BY LENDER. II Grlnlor falls to comply wllh Iny provision ollhls Mortgago.lncludlng any obllgallon 10 malnlaln Exlsllng Indeblodness In good Illndlng IS roqulrld bolow, or IIlny acllon or proceeding Is commonced that would malerlllly allecllonde(s Inlerosls In Ihl Proporty,llndor on Granlor's bohall may, bul Ihlll nol be requlrld 10, Ilko Iny Icllon Iholllndlr deems Ipproprlalo. Any Imounllhallondor e'pends In ao doing will bear Inlorest allhe rale chorgod undor Iho Nolo Irom Ihl dalo Incurrod or paid by londer 10 Ihe dale 01 roplymonl by Granlor. All such o'penses, al londer'a opllon, wID (I) be plyable on demlnd, (b) bo added 10 Ihl balanco ollho Nolo and bo Ipportlonod among Ind bl plyablo Wllh any Inslallmlnl paymanls 10 becomo due during ellhor (I) Ihe torm 01 Iny ap'pllcablo Insurlnce policy or (II) Ihl remaining lorm olthl Nolo, or (c) bl treBlod II I balloon paymonl which wUl bo dUI Ind plyablo ellhe Noles malurlly. This MortgBgo Ilso will secure payment 01 Ihose Imounts. The rights provided for In Ihls poragraph shall be In Iddlllon 10 any olher rlghls or any romedles 10 which lender may bo Inllllod on accounl of lhe dolaull. Any such Icllon by lender shIll nol bo consltuod IS curlng Ihe dO/lull so IS 10 bar londer from eny remody Ihllll olhelWlse would have had. WARRANTY; DEFENSE OF TITLE. Tho following provisions rolallng 10 ownlrshlp ollho Proplrly Ire I plrt 01 this Mortgago. Tille. Grlnlor warrlnts Ihlt: (I) Grlnlor holds good Ind morkllable lillo 01 record 10 Ihl Proporty In lee simple, troo Ind cleor 01 all liens and Incumbrances olher Ihln thoso set forth In Iho Real Property doscrlpllon or In thl Exlsllng Indebledness lecllon below or In any 11118 Insurance policy. lllle report, or finlllllle opinion Issuld In lovor 01, Ind Iccopled by, londer In connecllon wllh Ihls Mortgago. and (b) Granlor has thl IuD righi, powor, Ind aulhorlly 10 oxeculo Ind dollver Ihls Mortgago 10 Londor. Delense 01 Tille. Subjecllo Iho excepllon In tho paragraph Ibove, Granlor warrants Ind will lorover dolond tho III1e 10 Iho Proplrty agalnslthe lawful claims 01111 porsons. In Iho ovonllny Icllon or proceeding Is commoncod Ihal quesllons Grlnlor's 11110 or Iho Inleresl ollonde, under Ihls Morigaga, Granlor shall dolond Ihl acllon 01 Granlor's o'ponse. Granlor may bl the nominal parly In such proceeding. bullondor shall bo enllllod 10 portlclpalo In Ihl proceeding Ind 10 bl ropresonlod In tho proceeding by counsol 01 londer's own cholco, Ind Granlor wID deliver, or causo 10 bo dlllvorod, 10 londer such Instrumonls IS lendor mlY requlsllrom limo 10 lime 10 pormll such partlclpallon. Compliance Wllh Lewl. Grlnlor warrlnls Ihll the Proporty Ind Granlor's uso 01 Ihe Proporty compllos wllh ell exlsllng eppllc8bl8 laws, ordlnancls, Ind regula lions 01 governmenlellulhorlllos. EXISTING INDEBTEDNESS. Tho 101l0wlng provisions concornlng exlsllng Indeblodnon (lhe "Exlsllng Indoblednon1 aro a part ollhls Mortgage. Exlatlng Uen. The lion 01 Ihls Mortgago securing Ihl Indobledness may bo secondory end Inlertor 10 Iho lion socurlng paymonl 01 In exlsllng obllgallon wllh In accounl numbor 011-787110 Flrmors Trusl Company desclibed as: Mortgago loon dalod FebruBry 20, 1992, and recorded In Book 1050 II pago 809. Tho e,lsllng obhgallon hos a currenl principal balanco 01 approximately $58,700,00 and Is In Ihe orlglnll prlnclpal amounl 01 $60,000.00, Tho obllgBllon has tho lollowlng paymenlle,ms: 303.00 biweekly. Grlnlor expressly covenanls Ind Igrees to pay. or soo 10 tho payment 01, Iho Exlsllng Indobtedness ond 10 provenl Iny dolaull on such Indebledness, ony deloull under Iho Instrumonls ovldenclng auch Indoblodness, or Iny dolaull undor Iny locurlly documenls lor such Indebledness. Delaull. IIlho paymonl ollny Inslallmonl 01 plinclpal or eny Interosl on tho Exlsllng Indobledness Is not mado wllhln Ihe limo roqulrod by Iho nolo evidencing luch Indeblodness, or ahould I defaull occur under tho Instrumenl securing such Indoblodness and nol bo curod durtng any oppllcable graco period Ihoroln, Ihen, etthe opllon ollondor, Ihe Indoblodness secured by Ihls Mortgago Ihall become Immodlalely duo and plyablo, and Ihls Morlgago Ihall bo In dolaull. No Modlllcetlon. Grlnlor Ihall nol onlor Inlo any agroomonl wllh Iho holder 01 any mortgBgo or olhor securtly agreemonl which has prtorlly ovor Ihls Morlgago by which thel agreomenlls modlhod, amondod. o'lend~d, or ,onowod wllhoulthe prior wllllon consonl ollondor. Grantor ShBII nollhor roquosl nor accopt any luluro odvancos undor any such socurlly ogreomonl wllhoullho prior wrlllon consonl.!\1 ~ondor. . 1 1 n ...,...i11... flff ., MORTGAGE (Conllnued) Page 4 CONDEMNATION. The following provl$lons relallng 10 condemnation ollhe Property are a part ollhls MOftgage. Appllcallon 01 Nal Proceeda. II II or any par' ollhe Property Is condemned by emlnenl domain proceedings or by eny proceeding or purchase In 1I0u of condemnallon, lender mey al lis elocllon roqullO lhala. or eny pOftlon of Ihe nol proceeds ollho oWlld be oppllod 10 Ihe Indebledno" or Iho repair or reslorollon ollho Proporty. The nel proceeds ollho eword shall moon Iho award anar paymonl 01 011 ecluel cosls, o.pensot, and allomeys'lees Incurred by lendor In connacllon wllh Iho condomnallon, Proceedlnga. II any proceeding In condemnallon Is ~led, GranlOf sha' promplly notily lencle4' In WIlling. and Granlor shaD promplly lake such slops IS may be necessary 10 delond Ihe ecllon and oblaln the sward. Granlor may bo Ihe nominal party In such proceeding, bullender sha' ba enlllled 10 partlclpale In Ihe proceeding end 10 be represenled In Ihe proceeding by counsel ollis own choice, and Granlor will dallvor or cause 10 ba dollvered 10 lender such Inslrumenls as may ba roqueslod by IIlrom limo 10 IIfTlG 10 pormll such portk:lpallon. IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. Thalollowlng provisions relallng 10 governmenlalwos, lees and charges ara a part ollhls MOftgage: Currenl Taua, Feea and ChBlgea. Upon roquosl by lendo<, Granlor ahaa e.aculo such documonls In addlllon 10 Ihls MOftgage and Iako wholever olher acllon Is requeslod by lendor 10 perlacl and conllnue londefs lien on Ihe Real Property. Granlor shall relmbufIG lender lor aD wos, eS descrtbed below, logolher Wllh all expenses Incurred In recording, partacllng or conllnulng Ihls MOftgage. InclUding wllhoul 1Im1lallon a' laxes, loos, documenlary slamps, end olher chargos fOf recording or roglslortng Ihls MOftgego. Tuu. The lollowlng shall conslllule Iaxos 10 which Ihls secllon applies: (a) e spOClIic lox upon Ihls type 01 MOftgage or upon e' or any part 01 lhe Indeblodness securod by Ihls MOftgogo; (b) a specllic lax on Grenlor which Gronlor Is eulhortzad or roqulred 10 deducllrom paymenls on lhe Indoblednoss sllCured by Ihls Iype 01 Mortgage; lc) e lax on Ihls type 01 Mortgago chargoable egalnsllhe lendor or Ihe holdor ollhe Nota; and (d) e spOClIic lax on ell or Iny portion ollhe Indoblodnoss or on plymonts 01 prtnclplllnd Inlorosl made by Grlnlor. Subaequanl Tuu. II eny lax 10 which Ihls socllon Ipplles Is enaclod sUbsequonllo lhe dale ollhls MOftgage, this evenl shall have the lime ellaclls an Evenl 01 OolaulI (IS dofinod bolow), Ind lendor may exercise Iny or all 01 lis aVlllable romodlos lor In Evenl 01 Oolaull as provldod below unloss Grlnlor ellher (I) plys Ihe lax boforl II bacomos dellnquenl, or (b) conlosls Ihe lax IS provldod above In Ihe Taxes Ind lions sacllon Ind deposlls wllh lender cuh or I sufflelanl corporlta surely bond or othor securtly sallsfactory 10 lendor. SECURITY AGREEMENT; FINANCING STATEMENTS. The lollowlng prOvisions relallng 10 Ihls MOftgage es a sacurlly Igraemonllre a plrt of IhIs Mortglge. SICUrtty Agreement. This Inslrumenl ahall conslllufe e securlly Igreemanllo Ihe eKlenl eny ollhe Proporty conslilules llx1ures or other personal property, end lendor shall have ell ollhe rights 01 e sacurad party undor Ihe Uniform Commarclal Coda as amondod Irom lime 10 time. Sacurlty Inlereal. Upon raquosl by lender, GranlOf shall e.acula financing slatamonls and Iaka whalever olher acllon Is roqU8$led by Lando< 10 partacl and conllnuo lendefl securlly Inlareslln Ihe Ranis and Personal Proporty. In addillon 10 recording Ihls Mortgage In Ihe rllll property records, lender may, al any limo and wllhoul lurthor aulhorlzallon Irom Granlor, fila oxeculed counlorparts, copies ot roproducllons ollhls MOftgage as B finonclng slalemenl. Granlor shall ralmburse lender for all expensotlncurred In portecllng or continuing Ihls securtty Inlorosl. Upon dofaull, Granlor shaU assemble Ihe Porsonal Proporty In e manner and ala place roasonably convenlenllo Granlor and Lender Ind make II available 10 lendlr wllhln Ihree (3) days aller recelpl 01 wrlllan demand Irom lendor. Add'BI8". The mailing addresses 01 Granlor (doblor) and lender (secured party), from which Inlormallon concerning the lBCurlly Inlerosl granted by IhIs MOftgage may be oblalned (each IS required by Ihe Unllorm Commercial Code). are as slalod on Ihe firsl page ollhls MOftgage, FURTHER ASSURANCES; AnORNEY-IN-FACT. The lollowlng provisions relating 10 lurther assurances and allorney-In-facl are a part ollhls Mortgage. Further Aaauranc... AI eny limo, Ind Irom lime 10 limo, upon requesl 01 lender, Granlor will make, axecule and dollver, or will cause 10 be made, 8keculed or dOllvered, 10 lendor or 10 lendor's doslgnee, and whon requeslod by lendor, cause 10 be filod, recorded, reNad, ot rerecordod. IS Ihe caSe may bo, al such limes and In such offices and places IS lender may doom approprlale, Bny and aU such mOftgagos, doods 01 frusl, securlly deeds, securlly agree monts, financlng slalemenls, conllnuallon slalomonls, Inslrumenls of lurthor assurance, carlIlicalos, and olher documenls as may, In Ihe sole opinion 01 lender, be necessary or desirable In otder 10 ellacluale, complelo, porlacl, conUnuo, ot prllS8M1 (1)lhe obligations of Granlor undor Ihe Nolo, Ihls Mortgage, and Ihe Rolaled Documonls, and lb) Ihe aens and securtty Inlorosls Clll8led by IhIs MOftgago on Ihe Proporty, wholhor now owned or herllltler acquired by Granlor. Unless prohlblled by law or agrlled 10 lhe conlrary by lender In wrlllng, Granlor shall reimburse lendor lor all costs and expensos Incurred In connacllon wllh Ihe mailers rolerred 10 In Ihls paragraph. Allorney-In-Focl. II Granlor falls 10 do Bny ollhe Ihlngs roferred 10 In the preceding paragraph, lander may do so lor and In the name 01 Granlor and al Granlor's expensB. For such purposes, Granlor heroby Irrevocably appolnls lender as Granlor's allornoy-In-Iacl for lhe purpose 01 making, execullng, dollvertng, filing, racordlng, and dolng aU olher Ihlngs IS may be necessary or doslrable. In lendafa aole opinion, 10 accomplish Ihe moilers relerred 10 In Ihe precodlng paragraph, FULl. PERFORMANCE. II Granlor pays aU Ihe Indoblodnesa when duo, and olherwlse partorms aU Ihe obllgallons Imposod upon Granlor undo< IhIs Mortgage, lender shaa exacule and deliver 10 Granlor a aullablo satlslacllon ollhls Mortgage and sullable slalemenls 01 lormlnatlon 01 any financlng slalomenl on file evldanclng lendefa security Inloroslln Iho Ranis and Ihe Personal Proporty. Granlor will pay, II permllled by applicable law, any relSonable 10rmlnaUon fee as dolormlned by lendor Irom lime 10 time. DEFAll. T. Each ollhe 101l0wlng, allhe option 01 landor, sholl conslllule an evenl 01 dolaulll"Evenl 01 Defaulr) undor Ihls MOftgago: Delaull on Indeblednelll. FBIIUle of Grlntor 10 maka Iny paymenl when due on Ihe Indoblodness. Deleull on Olher Paymanla. Failure 01 Granlor wllhln Ihe lime requlrod by Ihls MOftgagolo maka any paymenl for Iaxes or Insurance, or any olhor paymenl nocossary 10 prevenl filing 01 or 10 oHacl dl~harge olany lIan. Comptlance Delaull. Failure 10 comply wllh any olher lorm, obllgallon, covonanl or condlllon conlalned In Ihls Mortgage, Ihe Nole or In any ollhe Rolalod Documonts. Breoch8l. Any warranly, represonlatlon or slalomonl mado or lurnlshod 10 landor by or on bohall 01 Granlot undor Ihls Morlgoge, Ihe Nolo or Iha Rolalod Documonls Is, or Bllhe lime mada or lurnlshod WIS, lalse In any malerlal rospacl, Insolvency. The Insolvency 01 Granlor, appolnlmanl ola racolvor lor any pari of Granlor'a proporty, any ISslgnmanllor Ihe bonelll 01 credllors. Iho commencemenl of Bny procaodlng undol any bankluplcy or Insolvency laws by or agalnsl Granlor, or Iho dissolution or lermlnallon 01 Granlor's exlslonce IS a going business (II Granlotls a buslnoss). Excepllo Iho oklonl prohlbllod by fader 01 law or Pennsylvania law, Ihe dealh 01 Granlotllf Granlor Is an Individual) also shall conshluloan Evonl 01 Defoull undar Ihls Mortgago, ItOWOVOI, Iha dealh 01 any Granlor Will nol be an Evenl of Delaullll as a rosull ollhe doelh 01 Oranlor Iholndoblodnuss Is lully covolod by crodlllllo Insurance, Forecloaure, Fo,'ellure, elc. Comrnoncomonl olloroclosure or 10rlmlUlo procoodlngs. whelhor by JudlClol proclHldmg, soll-holp. repossession or j';;,111'. ..r tr,n MORTGAGE (Conllnued) Pege 6 any olhllr melhod, by any credllOt 01 GranlOt or by any oovernmenlalaoency eoalnslany ollhe Property. However, Ihls subsecllon shall nolapply In Ihe evenl 01 e oood lallh dlspule by Grenlor u 10 Iha valldlly or reesonableness ollhe clelm which Is Ihe besls ollhe loreclosure or IOtefellure procoedlng, prolitded Ihal Granlor gives Lender wrlllan nollce 01 such claim end lurnlshos roserves Ot a surely bond for Ihe claim sallslaclO/'( 10 Londor. Breach 01 Other Agreemenl. Any breech by GranlOt undBllhe IDlms 01 any olher agroemonl belwoon GranlOt and Lender Ihalls nol remedlod wllhln eny grece portod prolitded Ihoreln, Including wllhoutllmllollon eny agroemonl concornlng eny Indoblodnoss or olhor obllgallon 01 Granlor 10 Lender, whelhor exlsllng now or lalor. Ellltlng Indebladnesa. A deleull Ihlll occur under any Eldsllng Indebledness Ot undBl eny Inslrumonl on Iho Properly socurtng any ExlsUng Indebledness. 01 commoncemonl 01 any sull or olhor acllon 10 loreclose eny oxlsllng lion on Iho Proporty. Evenla Affecting Guerentor. Any ollho preceding evenls occurs wllh respocllo any Guoranlor of any ollhe Indeblednoss or such GuarenlOf dies or becomes Incompolonl. Inllcurlly. Lendor In good lallh dooms IIsolllnsocuro. RIGHTS AND REMEDIES ON DEFAll.T. Upon Ihe occurrence 01 any Evonl 01 Delaun end elany lime thereaner, Lender, ellls opllon, mey exercise ony ona 01 mOfO 01 Ihe lollowlng rig his end romodlos, In eddlllon 10 any olhor rlghls 01 romedles prolitded by law: Accelerele Indebtedne... SubJocllo applicable law, Lender shell havo lhe rlghl ellls opllon wllhoul nollce 10 Granlor 10 declare Ihe enllre Indebledness Immodlaloly due end peyablo. UCC Remedl... Wllh respOCllo all 01 eny psrt ollhe Personel Proporty, Lender shan have elllhe rights and remedies 01 a socured perty undDl Ihe Unllorm Commerclel Code. Collacl Renla. Lender Shall heve the righi, wllhout nollce to GranlOt, 10 lake possession ollhe Property end collecllhe Renls, Including amounls posl duo ond unpold, end epply Ihe nol proceeds, over end ebove Londer's cosls, egelnsllho Indobtodnoss. In lurtherence ollhls righi, Lender mey require eny lenenl or olhor user otlhe Properly 10 meke peymenls 01 renl 01 use lees direclly 10 Londer. IIlho Renls ere collecled by LendDl, Ihen Grenlor Irrevocably deslgnoles Londer es Grenlor's ellomoy-In-focllo endorse Inslrumenls recolvod In paymenl Ihereolln the name 01 Grenlor end 10 negollale Iho seme end collecllhe procoeds. Paymenls by lenanls 01 olhor usel$ 10 Lendor In response 10 Lender's demand shall sallsly Ihe oblloallons lor which Ihe paymonls are mado, whelher or not eny proper grounds lor Iho damend exlslad. Lender may exorclse lis rtghls undar Ihls subperagraph ellhar In person, by egonl, OIlhrough e receiver. Appolnl RacelVer. Lender shall have Ihe rlghllo have a rocel_ eppolnled 10 lake possesSion 01 ell 0( any pert 01 lha Ploperty, wllh the POWDl 10 prolecl and preserve Ihe Property, 10 operole Ihe Property preceding loreclosure 01 sale. and 10 collecllhe Renls Irom Ihe Ploperty end apply Ihe procoeds, ove, end ebove Iho cosl ollhe recelvel$hlp, egalnsllhe Indobledness. The recelvor may serve wllhoul bond II pDlmmed by law. Lender's right 10 the eppolnlmenl 01 a recelvor shall exlsl whelhor 01 nollhe epparenl value ollhe Proporty exceeds Ihe Indebledness by e subslenllal emounl. Employmenl by Lender shall nol dlsquollly a person Irom serving es a receiver. JUdicial Foracloaure. Lender may oblaln e Judicial decree foreclosing Granlor's Inlereslln sll 0( any psrt ollhe Property. PO...lllon ollhe P,oparty. FOt Ihe purposa 01 procurtng possession 01 the Properly, GrenlO( hereby aulhOflzes and empowers any allOtney 01 eny court 01 recOld In Ihe Commonweallh 01 Pennsylvania 01 elsewhere, ss ellofney lOt Lender and sll pel$ons claiming undor OIthtough Lendar, 10 slgn an agroemenl lor enlertng In any compolenl court en emlcable acllon In eJoclmanl lor possession 01 Ihe Properly and 10 appear lOt and conless Judgment agelnsl Granlor, and agalnsl all parsons Claiming under or Ihrough GrantO(, lor the recovary by Lender 01 possession ollhe Property, wllhoulany slay 01 execullon, lor which this MClI1gage, or a copy ollhls MClI1gage vertfied by olfldalitl, shall be a sufflclant warranl; and thereupon e wrll 01 possession msy be Issued lorlhwllh, wllhoul eny prtor wrll or proceeding whalsoevar. Nonjudicial Sale. II permllled by applicable law, Lender may fOtoclose GrsnlOf'aInlereslIn all Olin any part ollhe Personal Property 0( Ihe RBlI Properly by nonjUdicial sale. Deficiency JUdgment. Lender may oblaln e Judgmanl 10( any daflclency remaining In Ihe Indebledness due 10 Lender ener appllcallon 01 sn amounts received Irom Ihe exercise ollhe rtghls prolitdod In Ihls socllon. Tanancy el Sufferance. II Granlor remains In possesSion ollhe Property anOllhe Ploperty Is sold IS prolitded sbove 0( LandBl olherwtsa becomes enlilled 10 possession 01 Ihe Proporty upon dolaull 01 Granlor, Granlor shall bocome a lenanlsl sunerance 01 Lendar or Iho purchaser 01 Ihe Property end shall, al Londe(s opllon. ollhar (a) pay a reasonoble ronlal lor Iho use ollho Properly, or (b) vacale the Property Immedlalely upon the demand 01 Lendar. Olher Ramedl... Lender shall have ell olher rtghls end romedles prolitded In Ihls MClI1goga or Ihe Nole or available at law or In eqully. Sale 01 Ihe P,oparty. To Ihe exlont pormillad by appllceble law, Granlor hereby welves any and all rtghllo have Ihe properly marshalled. In exorcising lis rtghls and remodles, Lendar shall be Iroe 10 sell all or any part 01 Ihe Propurty logelher Of separalely, In one sale 0( by separala sales. Lender shan be enlilled 10 bid al eny pUbllo sala on all or any porlion ollhe Property. Notice 01 Sale. Lendar shall give GranlO( reosonable nollee ollhe lime and place 01 any publIC sale ollhe Personal Proparty 01 ollhe tima aner which eny prfvele sale or olher Inlonded dlsposlllon ollhe Personal Properly Is 10 be made. Unlass olherwlse roqulrad by oppllcablo law, reosonablo nollce shall mesn nollce given atleasllon (10) days before the lime 01 Ihe sele or dlsposlllon. Walvar; Elactlon 01 Remadl... A waiver by any party 01 a breech ola prolitslon ollhls MClI1gege shell not consUlule a waiver 01 0( preJucllca Iho party's righls olhOlWlse 10 demand slrlcl compliance wllh thai prolitslon or any olher prolitslon. Eleellon by Lender to pursue any remedy shan nol exclude pursull 01 any olhor remedy, and an eleellon 10 make expendllures or Iske ecllon 10 pertorm an obllgallon 01 Granlor under this Mortgage anor lallure 01 Granlor 10 pertorm shall nolaffect Lendar's rtghlto declare a dafaull and exercise lis remedlos under this Mortgoge. Atlorneya' Fe..; Expanses. II Lender Inslllules any sull 0( Icllon 10 onlorce Iny 01 the larms ollhls Mortgogo,'Lendor shall be enUllad 10 recovor such sum as Ihe court may adjudge reasoneble as sllOtneys' loes, alhlal and on ony oppaal. Whelhor or nol eny court ocllon Is InVolved, on reasonable expenses Incurred by Lender Ihalln Lendor's opinion aro necossary al sny tlmo lor Ihe prolecllon 01 lis Inloresl or Ihe enforcemenl of lis rlghls shall become a port ollho Indebledness poyoble on demand and shall boar Inlorosl Irom Ihe dale of expendilure unlil repold It the Nola ralo. Expenses covered by Ihls porograph Include, wllhoulllmllollon, howevor subJoclto any Ilmll. undor oppllcable law, Lendar's allornoys' fees and Lender's logal expanses whalhor or nollhore Is a lawsuil, Including allornoys' laos for bankruplcy proceedings (Including ellorls 10 modily or vocale eny aulomallc sloy Dr InJuncllon), appoals ond any onllclpalod posl-Judgmant collocllon sOrvlcos, Ihe cosl 01 saarching records, oblolnlng 11110 roports (Including loroclosure roporls), survoyors' roporls, and appralsolloos, and 11110 Insuranco, 10 Iho oxlonl pormillod by oppllcabla law. Gronlor also Will pay any court cosls, In addilion 10 all olhor sums provldod by law. "--11 .. c:. PAcr 15" NOTICES TO GRANTOR AND OTHER PARTIES. Unloss olherwlse provldod by appllcablo law, any nolico undar this Jl.\\9~glJ "'11I'6e In wnllng enlt shall bo ollocllvo whon aclually dolivorod or, II mollod, sllall bo doomod olfoclive whon doposllod In 1110 Unilod Slalos moil firsl closs, raglslorod mall. postogo propald, dlroctod 10 Iho addrossos sllown noor 1110 boglnnlng 0111115 Morlgago. Any porly may chango 115 addross lor nolicos undar Ihls Mortgogo by giving lor mal wllllon nolleo 10 Iho 011101 parllas. spoclfylng Ihallho pwpo>u ollha noheo 15 10 chango Iho parly's add/oss, All coplos 01 Page 6 nollces olloreclllllUlefrom the haldOf 01 Iny lien which hes prlortly Ol'ef Ihlt Mortgage shll be IInllo Llndllf's Iddress, IIlhown nelr Ihe beginning ollhls Mortgege. For nollee purposes, Granloragreas 10 keep Lender Inlormed Ilal times of Granlor'l cUllenl IddreSl. MISCELLANEOUS PROVISIONS, The Iallowing mllCGlllneoUl provlllonl .re I plrt ollhlt Mortglge: Amendmenle. Thlt Morlgage, legelhet wllh Iny Relaled Dacumenls, cOMUlules the enllle undOl1landlng and agreement ollhe plrlles 1110 Ihe mallo~ lollorlh In Ihls Marlgsgo. No IlIorallon 01 or amendmonllo Ihll Mortgage Ihel bo ellacUve unless given In wrlllng and Ilgned by Ihe parly or parlles loughllo be chlrged or bound by Ihe IlIerlUon or lmendment. APplicable Law, This Mortgage hll bean dallvered to Lender and acclpted by Landar In the Commonwaallh at Pannsylvanla. This Mortgage Ihall be govarnad by and conalrued In eccordanca wllh the lawl ollha Commonwaallh ot Pannsylvanla. Capllon Headings. Caption headlngl In Ihls Marlgaga ara lor convenlenca purposes only Ind are nollo be used 10 Inlarprel 0( denna Iha provisions 01 this Mortgage. Marger. Thera IhaU be no merget ollhe Inleresl or eslala crealed by Ihls Mortgage wilh any olhet Inler.,t 0( eslaleln Ihe Properly al any time held by 0( lorlho benofil 01 Lender In any capaclly, wllhoutlhe wrlllen consenl 01 Lender. Multiple Parlin., All obllgaUons a. Granlor under this Mortgage IhaU belalnl Ind IlVetII, Ind IU raletenc:es 10 Granlor shall mean each Ind every Grlnlor. this moans Ihlleach ollho persons signing below Is responslble'or II' obligations In Ihls Marlgaga. Severability, "I COUll 01 compalenllurlsdlctlon nnds Iny pravlllon 01 this Mortgage 10 be Invltld or unenlorcelble al to Iny plllon or clrcumslance, luch nndlng shsU nol render thet provision Invelld 0( unonlorceable alia any olher pe~onl or clrcumslances. "felalble, Iny such ollendlng pravtslon lhall bo deemed 10 be modlfiod to be wilhln lhe IImlll olanforceebUl1y or vslldily; howel'ef, IIlhe ollendlng provlllon cannol be sa modlned, IIlhaU be slrlckon and aU olher provisions 01 this Morlgageln aU olher respacls IhaU remain vaUd and enlorceable. Succ..80ra and Aaalgne. Sublecllo Iho Umllatlonlllalad In this Mortgsga an Iransler 01 Grenlor'l Inleresl, Ihls Marlgege lhal be binding upon and Inure 10 Iho benohl ollhe parlles, Ihelr hel~, pe~onal represenlallves, successCllland assigns. "owne~hlp ollhe Properly becomes vesled In a p8l10n olher Ihan Grenlor, Lender, wtlhoul nollce to Granlor, may deel wllh Grenlar'lluccessors wilh relerance 10 Ihls Mortgage Ind Ihe Indebledness by wey 01 lorbearenco or exlenslon wllhoul releeslng Grenlor from Ihe obllgallons 01 Ihls Marlgsge 0( IlablUIy under Ihe Indoblodness. Time II ollhe Ealanca. Tlme Is ollhe essence In the performance ollhls Marlgage. Walverl and ConlOnle. Lender IhaU not be deemed to have waived any rlghls undOf Ihls Marlgage (0( undar lhe Relalad Documenls) unless such waiver Is In wrillng and signed by Lender. No delay or omlSllon an the psrt 01 Lender In exerclllng any rlghl shill operale.. . waiver 01 such rlghl or any other righi, A waiver by any perly 01 . proviSion ollhls Marlgege Ihall nol conslllula I waiver 01 or preludlce Ihe party'a rlghl olherwlseto demand slrlcl compliance wllh Iha' pravtslon or any olher provision. No prlor waiver by Lender, nor any course 01 deaUng bolween Lender and Grenlor, Ihall conslltule a waiver 01 eny 01 Lende(a rlghls or any 01 Granlor'l obllgallons es to any luture transecUons. Whenever consenl by Lender Is required In this Mortgege, the granUng olluch consent by Londer In eny Inslance sheU not conslllule continuing comenllo sUbsequenllnslances where luch consenlls roqulred. EACH GRANTOR ACKNOWLEDGES HAVING READ AU. THE PROVISIONS OF THIS MORTGAGE, ANIl EACH GRANTOR AGREES TO ITS TERMS, ,','. '!\iil\sEAi.fI$ ~'~ ...." ""'rn'~"""'>""""''"8iiAt'.'.'.'W'1 '" 11U/?41' ',",', .'.,. '.",'"".'( 'I" )( .'" . "_'.'" ." . .,..... ..,.... _,.", L ".' ,~, ..' (,_ ._ .... ,_ ' _, ....". .,m. 0' . :';.,. a re L. Casey . )( Wllnen CERTIFICATE OF RESIDENCE I horoby cerl1ly, Ihellhe precise address ollhe marlgagee, Fermera Trual Company, herein Is as loIlows: One Weal HIgh Slrael, Cerlllle, PA 17013 ~ --Jlorn,v D" Aglnl la Metl fO'OK 1115 rACE 152 ACT 91 NOTICE . TAKEACTlOH TO SAVIYOUR HOMS fROM FORECLOSURE ., Th. Commonw..llhol P.nn.yl...I.'1 Hom"own,,"' Emorg.ncy Mortg.gOA..I.lon.. p,ogrom moy b. .bI.,o holp you. Ro.d Ih.lollowlng nollcelo IInd oul how Ihe progrom workl. . II you n..d mor.lnlorm.llon ..lIlh. P.nn.yl.onl. Hou.lng Flnene. Agoncy ell (800)342.2397. La nOlllle.clon en .dlunlo 81 do lurna Imparlenell, puGllllect.lu derocho 8 conllnuar vlvlandO en au cal.. 61 no compflnda 81 conlenido de alia nolillcaclon oblenga una uaducclon Immedl81amenla Ilamenda ella agonela (Pennsylvania Houllng FlnanCDAgancyt aln carool81 numero menclonado lurlbe. PuedOI II' eleglble par. un postema po' al programallamado -Homeowner.' Emorgoncy MortgageAnlltanco Program- 01 CUI puede IIlvar au'cala do 10 perdldadol derechO D redlmir au hlpoleca. ACT 91 NOTICE IMPORTAHT: HOTICE OF HOMEOWNER8' EMERGENCY MORTGAGE ASSI8TANCE PROGRAM. PLEASE READ THI8 NOTICE. YOU MAY DE ELIGIBLE FOR FINANCIAL A8S18TANCE WHICH CAN SAVE YOUR HOME FROM FGRECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTB 1004977!i DOlo: July 19, 1995 RE: Accounl No.: TO' Laura L, Olsey 1467 Plne FR~M: Financial Trust CaltJany HO, Carlisle, PA 17103 1 West High Street Carlisle, PA 17013 You m1V bl ellglbll for IInlncllll..lltancl th.t will prav.nt far.clalur. an your manglgalf you campi)' with the pravlllanl of the Hom.awnera' Em.rg.ncy "'onglgl A..llllnc. Act 01 188311hl "Act"). You mlY bl IlIglbl. lor Imorgoncy llmpora,., ,,"lllenc"1I your d"'"ull h.. bOln clulld by elreumlllnclI b.yond yaurcontrof, you hlv., ".aonlble pro'plcl of relumlng your monglg. plymen",lnd II you m... a'hlr ellglblllly raqulram.ntl III'bUsh.d by Ih. P,nnaylv,nl, Hauling Flnlnco Aglncy. Pl.... rold IlIollhll Nollcl.1t conlllnl In ..pllnlllon 01 you, tlghll. Undor Ihe ACI. you "" .ntlll.d 10 Ilompo"ry .IIY 01 loreclo.ure on your mortgogo lor Ihlrty (3D) dlY' Irom Ih. del. ollhl. Nollcl. During Ihelllme you mUII."ong. ond .ttend D "ace-Io--face. meeting With a representallve 01 Ihls lendar, or with a desl'lnaled consumer credil counseling agency. The purpose of Ihls meallng is 10 aUempl '0 work oule ,opaym.nl plln. or 10 Olh.rwl.. 1011I0 your dollnquoncy. Thl. mo.llng mU'1 OCCll, In Iho no,"hlrly (30) doy.. If you attend a reee.lOofaee meellng With Ihlllender, or with 8 consumer credil counseling agency ldenlllled In Ihll nOllce, no lUrlher proceeding In mortgage foreclosure may Ilk. piece lor Ihlrty (3D) deYI onor Iho del. ollhl. m.ollng. The neme. Iddt... and lolophone numbe' 01 our rop,e.lnlallva la: Jay D, Trayer 1 Illfst High Street Carlisle, PA 17013 243-3212 Telephone Number: The name II), addre..(e.), and phone numba,. 01 (e) deslgnaled consumer credit counseling agency(lss) Illare): YI<O\ 301 G Street Carlisle, FA 17103 Ills only necessary to ICtledule one face-to-face meellng. You should advlsalhltlender Immedlalely of your Inlenllons. Vour mortgegollln dOIIU~e"70'6~ you hl..IIUed 10 poy promplly In.tollmonl. 01 prlnclpalond Inloroll. 01 required. lor I period olollee.l.illy (60) day.. ThelolDlemounl ollhe~m're~~hal iJilyrrem:. at :;>1l~,:JI, uunJ~!l'pa~=~h~tl"S~Yi8,83, and July's payment ot $108,73, Your mortgaQel1 B1S0 In delaulllor the following ,easons: II you havo tried and are unable 10 resolvo thll problem al or aller ynur face-to-lace meellng, you havB Ihe rlghllo applv lor Unanclal assistonce from Ihe Homeowner,' Emergency Mortgage AIIIIlance Fund. In order to do 'his, you mUlt 1111 OUI, .Ign Bnd Ills D completod Homeowners' Emergency AUlltonce Applicatlon with one of the de.lgnBled consumer crod., counseling agoncles lilted In the Btlachmonl, An application for asslllanco may only be Oblalned from e consumer cradlt counseling agency. The consumer credit counseling agency will aaslsl you In Iilllng oul your appUcaU:m andwilllubmll your completed appllcallon 10 Ihe Pennsylvania HaUling Flnaoc8Agency. Your application mUll be Wed or postmarked, wllhln Ihlrty (30) dev, 01 your lace-lo.la~e meDling. Ills extremolY Imparlant that you /ile your appUcalion plomptly. II you dO not do .so, or " you do nol tollow the othor rima pIIr/adJ "' taffh In ,"Is lotter, loree/Nur. may procfJed .ga/ml )'our home Immediately. Available lunds for emergency mortQagB BllistancB are vary hmlled. They Will bo dlsburled by IheAgency under Ihe eligibility cwerls eltabllshed by IheAcl. Ills BlUemely Importanllhal your apphcalion be Bccurale Bnd complele in every respect. Tho Pennsylvania Housing FinancoAgency has Silly (601 day,lo make a decision aller It recolves your opplicatlon. Ourmg Ihal addltlonat Ume. no lorocloluro proceedings Will be pursued agaInst youil you have mol the limo requ(romenlS aellol1h above. You will be nDlllled dlreclly by thai Agency 01 ill doclslon on your oppllcollon. T1lu Ponnsylvonla Housing Finance Agoncy l'.IDealed al2101 Nanh FrORl SlIeet, POSI Ollice 00. 8029, HaUllbutg, Ponnsylvaniat710S. Telephone No. (7171 780.3800 or 1.800.342-2397 (lolllr.. number). Porson. wlllllmpolr ' 11'.800.342.2397. In addlllon you may ,eeeivo anolhor nolieelrom Ihis Ion . called tna -Nollea ollnlenllon 10 Foreclosure-. You mUll reacS both naUell,.inco Ihey bOlh .'p'aln rlghll '110' you now ha.e undor Pen EXHIBIT alo o.orcllo YOUllIOhll ~a'Cllbo~ In ,hi. nollco, you cannol bo loreclo.ed upon whllo you Of 0 recolving Ihal uaalllaneQ. 1\ tlEMA Ro.. 281114 . ACT 91 NOTICE TAKI ACTION TO IAVI YOUR NOMI FROM FORECLOSURE The CommQnw.~lIh 01 Pennsylvania', Homeowne,,' Emergoncy MOrlgaglAIIlllance Program may bo eblolo holp you. Read the 'ollowing nollco to 'Ind Qui how Ihe program WOrk.. II you nlld more Inlormollon celllhl Plnn.ylYlnla Hou.lng FlnlnclAglncy 81' (BOOI342.23g1. La noulIcaclon In BdjuntD.a de lurn.lmportancl., pua. .'oct.au der'cho a tDOURua, 'ilvlendo In au ca... 81 no tompt.ode 81 conlanldo de ..,. nolillcacion oblengl una traducclon ImmedlBlamonto l/amBnda osl8 agonela tPonnlylvanl1l Houllng FlnanceAgoncy) Iln carool I' numaro rnoncionado Prflba. Puede. '0' elOOlblo pa'. un ples1erno por 01 program. lIamado -Homoownel.' Emorgoncy Mar1gega A,alllance Program- 01 CUll puodo salva' au cou do Iii pordldll dol dorocho a ,&dlml, au hlpoteca. ACT 91 NOTICE IMPORTANTl NOTICE OF HOMEOWNERS' EMEROENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE REAO THISIIOTICE. YOU MAY DE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE ANO HELP YOU MAKE FUTURE MORTGAGE PAYMENT8 10049775 0010: July 19, 1995 RE:Accounl No.: TO, Jarres M, CaSey 1467 Pine Rd, Carlisle, PA 17nl1 FROM: Financial 'l'rust Ccnplny 1 \'IF!ct Hlt.J!l fltr_t r."rH..,,,, PII 171m You mlV bt aUglble .or flnenel,I''''I.e"CI thl' will prev.nt 'or.clolur. on your mortgage If you comply with thl provl,ronl d. thl Hom.own.,,' Emergenc)' Mortg.gl AIII.tencI Act ollgUlIhl "ACI"). You m.y bl IlIglbll for Imerglncy tlmporary ..11.lancI" you, dlrlull hll been caulld by clrcumlllnclI blyond your control, you hlv.. re..oneblt pro'plct a. '.Iumlng your mongeg. paym.nt'llnd If you mi" othlrlUglblllty r.qulramlntl ....bU,hld by thl P,nnaylvlnll Houllng Fln.nct Agtncy. Pl.... ,..d III d. Ihla NoUc..lt con'llnl In IlpllnlUon of your nght.. Under thll Actl you are 'nUlled 10 atomporary Itay 01 loreclosure on your mortoegelor thlnv (30) daYlhom thl data of thll NolleD. Curing Ihat time you mUlt Irrangll and allend I -race-Io-Ioce- meeting with I represenlatlve 0' Ihls lender, or wllh 8 desfgnaled con,umor credll counseling agency. The purpose ofthls meeting Is to allempt 10 work out 8 r.payment p'ln, or to olherwl.1 leltle your dollnquency. This meellng must occur In the nelllhlrt)' (30) daYI. II you Illend I 'ac.to-flce meellng W1lh Ihl.'ender, or wllh 8 consumer credil counseling agoncy ldenliliad In Ihll notice, no further proceeding In mortgage foreclosure ma)' IIkl ploc. for Ihlny (30) dlY' Iller Ihl dal' ollhl. milling. Thl nlml. addll" and telephonl number 01 our repruenloUve Is: JO~ D. Tra*er 1 est HJ.g Street carlJ.Sle, PA 17013 243-3212 Tllephonl Number: The nam~~ddr8..(el~, and phone number. 01 (I) deslgneted consumer credit counseling agency(lel) Is (arel: JU I I.i ::;treet ~rJ.J.BJ.e, ~~ lllUJ 1111 only noco...ry 10 achedule onllace-lo.lace melllng. You .hould advlle Ihlaleoder ImmOd!al81y 01 your Inlentlon.. Your mortgage Is In delaull because you havelalled lopay promptly InSlallmonla of prlnclpllt and Intoroll,el requltod.lof I period 01 allelstlialy (60~ daya. The tolllt IImount Ollhld~ I 3 7 03 , , . T.s\I~umlnclu 1h'~"~rwlf~8, 73, and Jul 's nt of . . Vour mongageII allo In delaulllor Iho lollowing rellons: II you hlveltled and Ire unablolo 'Blolve thll problem al or aller your laco.lo-Iace meellng, you have the ,Ight 10 apply lor 'InanCIII aulslanca 110m the Homeowners' Emargancy Mortgage Anl.lanco Fund. In order 10 do thll, you must 1m oul, Ilgn and fllo a completed Homeowners' Emergency AIII.lance AppllcaUon wllh one ollhe dellgnated conlume, credit counselmg agenCies IIsted,ln the allachmanl.An appllcallon for assistance mlY only be obtalnad horn I consumercredll counlOllng agency. The consumer credit coun.ellng agancy wlIllsslsI you In fllhng out your appllcaUon Bnd wlUlubml1 your completed apphcallon to the Pennsylvania HOUSing FlnaneoAgancv. Your appllcltlOn mUlt be llIed or poslma/ked, wllhln lhlrty (30) daYI 01 your lace-lo.lace meellng, ",, I.rremo/y Imporrant 'h.' you"', you, IIppllca'ion ptomplltll you do no' do '0. or" you do no' loIlow Ihe olher MI, perlod'lfI' tanh In ,hl",n." foreclolure may p,oceed 1{1llmll you, home immect/ele/y. Avalllblelundl lor emergency mongage BlIlllance ate very Ilmlled. Tiley Will be dl'burSed by the AgerlCY uodor Ihe eliglbllily crlle"a ellabllshed by the Acl. Ills olUomel)' Importanlthal your apphcollon be accurate and complele In oyory relpocl. The Pannsyl...anla HouSing FlnanceAgency has l"ly 160) days to make I deCision ollel II 'OCei,v81 your appheallon, DUling thai Dddlllonallimo. no loroelo,ure procoedmgs Will bo pursued agilmst you It you havQ mot tho limo roqulromenl' lei lanh above. You will be nollhed dlreclly by lhal Agoncy 01111 doclllon on your apphcallon, TIle Ponnlylvanla HOUllRg Finance Agency IllocOIO h Front SlIoot, POlt Olllee Boa 8029, HaUllburg, PennsylVaRlD 17105. Telephone No. 17t 7) 760.J800 or 1.800.342.2391 (loll frel numborl, PI"on. wllh Imp g1. In addlllon you may receive anolher nolico 'rom thlll EXHIBIT Oil CQlIod tho.NollcO 011018nllon 10 ForeClosure-. You must road bolt1 nolleel. linee thoy both o)lpltUn IIghtl thaI you now hovo undor PI 01010 a_OfellO your ughll dalcnbad In Ihll nOllco, you connol bo loroclolad upon while vou are rocolVing Ihal anlllanco, (. Voryuul ( !lEMA nOY 2 0IU4 "1'". If . .. . . NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: ~~~' t.. CRs~ 1 PJJ1e oa ~r~~~~~, ~~ I/IUJ Dale 01 Notice .TlIl y , l}. , l}l}<; Loan No. 1004<)775 The MORTGAGE held by Financial Trust CcxmmlY 1 West Hioh Street Carlisle, PlI 17103 (hereinafter we, us or ours) on your property located at 1467 Pine Road Carlisle, PA 170111lJ IS IN SERIOUS DEFAULT bec~ou have not mad~the m.emthly payments of $ 10B.73 - for the months of ~rtfa? ~"l - t of, une l\ll)S , and July 1995 and/or because . ';;J I 0 I ~~';;J . Late charges and other charges have also eccrued to this date In the emount of . The total emount now regulred to cure this default, or In other words, get caught up In your payments, as of the date of this letter, Is $ 307.03 . You may cure this default within THIRTY (30) DA YS of the data of this lettar, by paying to us the above amount of $ 307.01 , plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cesh, cashier's check, certified check or money order, and made at Financial Tnlst rrnvany , wP~t high Strppt r~r'i~'p, p~ "0" . If you do not cure the default within THI RTY (30) DAYS, we 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 Instellments. If full peyment of the amount of default Is not meda within THIRTY (30) DAYS, we also intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgage is foreclosed your mongaged propertY will be sold by the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the default befora they begin legel proceedings against you, you will stili have to pay the reesonable attorney's fees, actually Incurred, up to $60.00. However, If lagal proceedings are started against you, you will hava to pay tha reasonabla attornay's faes even If they are over $60.00. Any attorney's fees will be added to whatever you owe us, which may also Includa our raasonabla costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. Wa may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings hava begun, you still have the right to cure the default and prevent the sale at any time up to ana hour before the Sheriff's foreclosuro sele. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as wall as tho reasonable attorney's fees and costs connected with. tho (oreclosure sale and perform any other require. me".ts under t~o~Ijfg' It Is estimated that the earliest data that such a Sheriff's sale could ba held would be approximately' . A notice of tha date of tha Sheriff sale will ba sent to you before the sale. Of course, the amount needed to cure the default will Increase the longer you walt. You may find out at any time exactly what the required payment will be by call1ng us at the following number: :l4J J212 . 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 rrghts to help protect your Interest In the property. YOU HAVE THE RIGHT TO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON,EXISTE CE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOS If you cure the default, the mar you arc not entitled to lhls rlohllo EXHIBIT i, .' f he sOllie posltloll as If no default hod occurred. However, an three limes h)A1l1Y)calend(-y.ca~1. By ~~[~l,'-I t(.(~:k~ " . NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: :J:u,'u," ~4. I ~:'~~I"" , ~l;j. f)i rot=.' ~ln~~(' Cilrli~ J I~, PI; , ~1I1': Date of NOllce m:i' 1'.., ,'!r,s Loan No, 11 C.,,,; j'~ The MORTGAGE held by "il:i\Il,;~"l 'i'ni"t eel.\",.I:" ' 1 \'j',:;1: ,IIi'.::. ~tl\ ,_,t C..l':'J"l." ,1/.. 1711;:' (hereinafter we, us or ours) on your properly located at 1.1: I "We! [,C,lI \ '....r 11", It" 1'.\ I" '"~I I IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ "::'. i'. far the months of ,":,l~,l:'] :''''','I\t ,,= ;\::~" I~ c,~ and ,:"J'.' V,":: and/or becausa ..., " , "I L'.' ",'.:, I ~"J:' ' Late charges and other charges have also accrued to this date In the amount of . The total amount now required to cure this default, or In other words, get caught up In your payments, as of the date of this letter, Is $ ';v7. Cj You may cure this default within THIRTY (30) DA YS of tha date of this letter, by paying to us the above amount of $ ;;lIi. OJ , plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by' cash, cashier's check, certified check or money order, and made at r'ln~r;CH:~l Tn:!it C,:,-:;an.,' 1 ~';L;~t .-I:..rll Sl:r,'~ot. Ctll'lislc.', PA 7T01::' . If you do not cure the default within THIRTY (30) DAYS, wa 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 intend to instruct our attorneys to start a lawsuit to foreclose your mortgaged property. If the mortgago is foreclosed your mortgaged property will be sold by the Sheriff to pay of( the mortgage debt. If we refer your case to our attorneys, 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 $60.00. However, If legal proceedings are started against you, you will have to pay the reasonable attorney's fees even If they are over $60.00. Any attorney's fees will be added to whatever you owe us, which may also Include our reasonable costs. If you cure the default within the thirty day period, you will not be required to pay attorney's fees. We may also sue you personally for the unpaid principal balance and all other sums due under the mortgage. If you have not cured the default within the thirty day period and foreclosure proceedings have begun, you still have the right 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 payments plus any late or ather charges then due, as wall as the reasonable attorney'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 approximately Dl:c. 1 ~ '.\5 . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will Increase the longer you walt. You may find out at any time exactly what the required payment will be by calling us at the following number: 243- J21:! . 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 MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED. CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOSURE. If you cure the default, the mortg you arc not enlitled 10 lhls rlghllo Cl EXHIBIT ( I same positioll liS if no default IlOd occurred, However, n lhrce times In unv culendar year, 1 " I I' if I I " \ '.,: '" Bv .l .. I - - .., .;t ., .., NIF Rev. 2 ~/84 r.::~"1