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Home My WebLink About95-04578 , .......:...... FARMERS TRUST COMPANY, plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE '95- /j5'7g;- ~I)" CIVIL TERM: 1995 v. Joseph J. Rillo, Nicholas A. Rillo, and Magdalene Rillo Defendants NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED, FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU, YOUR ARE WARNED THAT IF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITHOUT yOU AND A JUDGMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF, YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOUR SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator, Fourth Floor Cumberland County Courthouse Carlisle, PA 17013 Telephone: (717) 240-6200 FARMERS TRUST COMPANY, plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE v. Joseph J, Rilla, Nicholae A, Rilla, and Magdalene Rilla 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 is a statement: 1. plaintiff is Farmers Trust Company, a corporation organized and exieting 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, Joseph A, Rilla, an adult individual, and Defendant, Nicholas A. Rilla, an adult individual, and Defendant, and Magdalene Rilla, an adult individual, and Defendant, with property located at 50 pine Street, Carlisle, pennsylvania 17013. 3. On or about March 16, 1989, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing One Hundred Ninety Thousand Dollars and 00/100 ($190,000.00), 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. Joseph A, Rillo, Nicholas A, Rillo, and Magdalene Rillo, are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated April 27, 1967 and recorded on April 27, 1967, and recorded in the Cumberland County Recorder's Office in Deed Book "H", Volume 22, Page 961, 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 16, 1995, June 16, 1995, July 16, 1995 and August 16, 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 1B, 1995, a copy of which is marked Exhibits "0" and "E", and attached hereto and made a part hereof by reference. B, The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 19B3, dated July 1B, 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 Seventy-one Thousand Six Hundred Ninety-eight Dollars and 27/100, ($71,698.27) with interest thereon at the rate of Ten and one-half (10.50%) percent per annum computed from June 9, 1995, accruing insurance premiums, attorney's fees in the amount of Three Thousand Four Hundred Eleven Dollars and 47/100 ($3,411.47) 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 $ 68,046,63 B. Interest at 10.50% from 8-21-95 to 8-23-951 $ 57,42 C, Late Charges: $ 182.75 D. Attorney's Collection fee: $ 3,411.47 TOTAL: $ 71,698.27 WHEREFORE, 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 Seventy-one Thousand six Hundred Ninety-eight Dollars and 27/100 ($71,698.27) together with interest thereon, costs and all other amounts advanced by Plaintiff. Wi liam , Attorney for 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 vV\....'--CA..---- ca , Esquire Plaintiff . . " FARMERS TRUST COMPANY SIIORT FORM REAL ESTATE MORTGAGE Under Act 01 June 2, 1950, P. L. 452 WITNESSETII TIllS MORTGAGE MADE the 16th dal 01 March 1989 BETWEEN NICHOLAS A. RILLa and JOSEPH A. RILLa, JR., of Coop Hill, ClIIberland County, County, Pennsylvania and MAGDA!.ENE RILLa, of Carlisle, ClIIberland County, Pennsylvania, (hereinafter whether Ilngular or plural, called the Mortgogor) AND FARMERS TRUST COMPANY at Carlisle, PennsYlvaaJa, a corporallon eslsllng under Ihe Inws ollhe Com. mODwealth 01 Pennsylvailla (herelnalter called the Mortgagee) WlInmelhl WHEREAS, the sold Mortgagor, by bond 01 even date herewith, stands bound unto the Mortgagee In a certain prln. elpal .um, condllloned for the payment of One Hundred Ninety Thousand and 00/100--------_____ DOLLARS " 190,000,00 ) and all addlllonal moneys advanced by the Morlgagee, wllh tnterest Ihereon Irom the dale at the rate provided In .ald accompanying bond, In 144 monthly paymenll of not Ie.. thaD Two Thousand, Fbur Hundred Ninety-five and 49Il00---------------------~9bb~fl5 If 2495 and 49 cenll) from the date hereol, to be applied monlhly a.lnterelt on Ihe prln. clpal amount of the ohllgallon, or the reduced amount the reel, and the halance 01 said paymenls to be applied 10 reduction 01 the principal sum, IIntll the principal amount of the obllgallon nnd nddlllonnl advances and olher charge. made to the Mortgagor or mnde for the protection 01 the morlgoge securlly wllh Inlerest Is paid In lu'l. All other terins and provisions 01 said bond are specUlcnlly Incorporated herein by rclerence and made a part here. of a. U .el out verballm hereIn, LATE CIIARGESI 11% 01 monthly pnyment III days or mere lale, NOW, TlIEREFORE, the sold Mortgagor, In conslderallon 01 the sums advanced by or 10 be advanced by Ihe Mort. gagee, the receipt whereof Is hereby acknowledged, and for securing paymcnt and performance of .ald reclled Doad a. aforellJd, dOel hereby grant, bargala, sell and convey nnlo the .ald Mortgagee, lis .uccessors and aulgns. . 'IRG' tb, 11 , ~Ith.t e.rt.In tr.ct or lartd .Itu.t. In South HIddl.ton Tovn.hlp, Cuob.rland County, r.nn.ylvanil, hound.d and d..crlhtd 1n accord.nc. With. lurv.y dated Horch 9, 19.9, pr.p.r.d by Larr, V. N.Idlln..r, R.S., bound.d .nd d..crlb.d II folloVl, to viti . SEGINNING It .n Iron pin ..t tn Pin. Str..t .t'corn.r or I.nd. nou or ror..rl, or Rob.rt F. 5hl.ldol th.nc. .lon8 ptn. 5tr..t, North.50 d..r... 45 .In, W..t 463.00 r..t to I n.Il ..t In ..c.d.. .t th. eorn.r or th. tntar..etlon or Pin. Str..t Ind 5prue. 5tr..tl th.ne. .lon8 5prue. 5tr..t North 39 d..r..i 15 .In, E.lt 370.00 f.,t to In iran pin I.t It the corn.r of the int.rl.ctlon of Sprue. Str..t Ind S..eh 5tr..tl th.ne. .Ions S..eh 5tr..t, 50uth 50 d..r... 45 .In, !.It 388.00 f..t to In Iron pin ..t in eorn.r of B..eh Str..t and land. now or fCtl'1ltrly of H.rold kiln lne., thlnea alona land of Harold 1C..n Inc.. South 39 d..r... 15 .In. W..t 220.00 r..t to . ..t Iron plnl th.ne. .lon8 I.nd or I'." South ~.I) dl.ru. 45 .in. E..t 75.00 rut to . point on the WI.t .id, of I r.ne. PO.tl th.ne. .Ion. I.nd nou or ror..rly or Rob.rt F. 5hl.ld., South 39 d..r... I' .Inut.. W..t 150,00 r..t to . ..t Iron pin, th. point Ind pl.c. or BEGINNING, CONTAINING 3.5" .er... BEING tho remaining portllXl ef Dlock 'G' ef Plan af lote of Carliele FArlI1 SyOOicate lIS lOt fortI. in Plan Dock 2, Page 51. tst:!NG tho elllT8 pmnioee granted end conveyed to Nichol.. A. RUlo end Joseph A. RUle, Jr. by deed of even dote. TRN:T No,2. ALL thet certain trec:t ef lend DitllOte in South HicltU.ton TcMl.hlp, CUltlorlend COWlty, !'eM.ylvenio, oJlllOaring ... Lot No, 1 lXl tho Fin411ilnor SlJxIivieton Plen for Joseph A. Rillo, et lIlIlIS prepared by DIeCOfl Lend Surveying Cmpeny, 100.. cL:Ited llarch 14, 1987 end revlBOd Horch 17, 1987 end recorded in ClITborlend County Plan Dock 52, Page 122, BOld doecriptlon being J.ncorporeted horein by rererol1Oll. BEING" portion af the promtoee which Hegi31eno RUle by deed dated AprU 27, 1967 end recorded in CuIborlend COWlty lJoed Dock h, VellJT10 22, Pogo 960, granted end conveyed te Joseph A, RUlo end Hegdfleno Rille, hie wife. Tho eold JOBeph A. RIllo died lXl June 5, 1984 thereby VOBting full title te the BlIld Heg<5IBno RUle by operation of ll1W. . I EXHIBIT .. ) ;.". bUOK [J.l~ r.\f,r 78 U . '0 .~ :>, L::l r, - .. -. -::" ::.-. ;.., = '.'"J ." C'1 ::r I ,~ -,., 1 _.. , -- ., - I ',) r~ 'I .;., :i ~ I; . , , , GENERAL PROVISIONS INCORPORATED BY REFERENCE AND NOT '10 BE RECORDr.O IIERE WITH The following Is a copy of the general provIsions, 'tovenarits, conditions and ohllgatlons contaIned In the Stipulation of General ~fortgage Provisions which are Incorporated by relerence as an Integral part of the foregoing Mortgage. by virtue of the Act 01 June 2, 1859, P. L. 45.2, STIPULATION OF GENERAL MORTGAGE PROVISIONS ny Farmers Trust Company, Carlisle, Pennsylvania TilE FOLLOWING geaeral provIsions, covenants, condllhns and obligations shall be an Integral part of any mort. gage herealter recorded In any County In Pennsylvania 10 favor of the undersigned, herein termed the Mortgagee, when such subsequently recorded mortgage expressly provides for the Incorporation of Ihe fallOWing general provl. lions, covenants, conditions and obligations as an Integral part thercof by rclcrcnce to this recorded stipulation, ADDITIONAL ADVANCES, The Mortgage and tbe, lien tbmof shall be security not only for the orlglnallndebt. ednen evidenced by the accompanying Bond, but also for nny other sums that may be loaned or advanced by the Mortgagee to the I\fortgagor at ony time or times hereolter, PAYMENT OF TAXES, INSURANCE PREMIUMS AND OTIIER CIIAnGES. From time to lime, unlll the debt and Interest are fully paid, Mortgagor shall pay and discharge, when and as the same shall become due and ;Iayable, all tncs, asscssments, sewcr and water rents, and atl othcr charges and claims assened or levied by nny lawful authorIty upon any ,part of the morlgaged premIses I pay all ground rents reservcd from the mortgaged premises and pay and discharge all mechonlcs' liens whIch may be fIIcd against sold premises and which shall or might have prlolty In lien or payment to the debt secured hereby; pay and discharge any tax which may be levIed by any duly constltuled authority upon Morlgagee on account of or measured by the amount 01 dcbt due hcreunder or undcr the accompanying nond; provide, renew aad keep alive such policies of haz. ard and liability Insurance as Mortgogee may from time to time requIre upon the buildings and Improvements now or hereafter erected upon the Mortgaged premises, wllh losl payable clauses to favor of Mortgagee as Its Interest may appear. MAINTENANCE AND REPAIR OF MORTGAGED PRE\lISES. ~fortgagor shall molntaln all buildings and 1m. provements subject to thIs Morlgage In good and substonllol repaIr as determined by Mortgagee, Mortgagee shall have the right to enter upon the morlgaged premises at any reosonable hour for the purpose ollnspecllng the order, condlllon and repair 01 tile bUilding or buildings erected thereon, and to make any needed repairs, NON.PAYMENT OF TAXES, INSURANCE, OTIIER CIIARGES, AND COST OF REPAIRS, fn the event Mortgagor neglects or reluses 10 Po)' the ta~es, Insurance prcmlums or other charges above mentioned, within 30 days alter the same become due and payable, or falls to maintain the bUildings and Improvements as aforesaid, then the ~fortga. gee, may, at Its opllan but without any ohllgatlon to do so, advance the sums required and add any amounts so ad. vanced to the principal debt secured hereby, and collect the same as a part of the prlaclpal debt, *TRANSFER OR ENCUMBRANCE OF MORTGAGED PREMISES, Mortgagor agrees not to transfer title to the mortgaged premises unleiS the Mortgagee consents In wrlllng to such transler, A transfer to the survivor or devi- sees or heirs of the ~fortgagor or a sale by Ills personal representallves In the event 01 the Morlgagor's death shall not come wllhln the prohibition 01 the foregoing sentenee, Mortgagor also covenants and agrees not to create nor permit to accrue, upon all or any part of the mortgaged premises, any debt, lien or charge wlllch would be prior to, or on a parlly wllh, the lien of this Mortgage, REMOVAL OR ALTERATION OF IMPROVEMENTS, Morlgngor agrees not to remove, demoltsh or make any sub. stantlal allerallons to nny Improvements now or herealler located on the mortgaged prcmlses unless the Mortgagee cons eats In writing thereto, ASSIGNMENT OF RENTS. Mortgagor nsslgns and transfers unto Mortgagee nny and 011 renls from the mortgaged premises, and authorizes the Mortgagee at any lime there Is a default under the Morlgage or accompanying nond, to take possession of, rent, repair, and operate sold premises and, alter deducllng nll costs 01 collection, operation, repairs and admlnlstrallon, to apply Ihe balance of the rents received on account of the obligation of the Mortgagor, Mortgagee shall have full power to Icase or rcnew leases upon such terms and condlllons as to Mortgngee may seem proper or desirable, ACCEf,ERATION OF MATUIIITY AND FORECLOSURE PROCEEDINGS UPON DEFAUI.T. In case default be made by the Mortgagor In tile payment If any Installment ofl.rlnclpal, 'nlercst, or other sums payable under the terms or this Morlgage or the accompanying lIond, and the totnl arrearages are equlvelant to two contracted montb. Iy Install meat payments, or In the el'ent 01 a breach by the Mortgagor 01 any 01 the other obligations, covenants, conditions and agreements set forth In this Mortgage or In the accompanyIng 1I0nd, then and tn such cose the entire unpaid balance 01 the Indebtedaenlncludlng advances and 011 other sums paid by the Mortgagee In accordance with the terms .Mortgagor agrees not 10 transfer title, Icgal or equitable, unless MOrlgagee coos en Is In wrlllng to sucb transfer. This provision Is for prevenllng Agreemeats 01 Sale for purposes other than passIn I legal title within 180 days 01 signing sold Agreement 01 Sale, ", bUUf, ua~ I'ALL iU 1 ,. 01 thll Mortglge or the accompanying Dond, together wllh unpaid Interest thereoa, Ihall, at the option 01 the Mort- gagee, lad wllhout notice, become Immedlalely due and payable, and loreclolure proceedlngl may be brought lorlhwllh on the Mortgage or Judgment may be coaluled on the accompanying Dond and proseeuted to Judgment, necutlon Ind lale lor the collection 01 the lame, together with cOstl 01 IlIIt and an attorneY'1 commllllon lor col. leetlon 01 live per cenlum 01 the totollndebtednell or two hundred doll an, whichever II the larger amonnt. Mortga. gagor hereby lorever walvOl and relealel all erron In laid proceedlngl, walvel Ilay 01 necutlon, the right ollnqlll. Iltlon and extenllon 01 time 01 payment, agreel to condemnation 01 any property levied npen by virtue 01 any lueh execution, and walvel all exemptlonl Irom levy and lale 01 any property that now II or berealter may be 0lI. empted by law, SUCCESSOR INTERESTS. The obllgatlonl, Covenanll, conditions and agreemenll contained In this Mortgage and Ihe accompanyla, Bond Ihall be binding npen, and the benellls thereol Ihall Inure to, tbe respective partl.. hereto Ind their respective penonal representatives, heln, luccellon and alllglll, ~ ~ .. c;.,::) ~ .- c -< 0 f ,>.} U . r.., c;.,::) a ~ Iii c ..~ f-c ~ ::l rf = J: ci Bl .f 0 0 == ~ c:: i1: . ....t ."., ",~ ," . . ~1' . , , ,', ":1 ,l 'f " . ,/ I" , . '~~~RDED III' ~e O~lIce lor Recordln, 01 Deeelt III and lor C UV)ltx.:'r /und C ounf (( In Mortga,e 'f!ooF(3;;J.. No:- Page "7 '8'9I1c. lUJ day or HC?/Ch ~~.~ .............. ......,.....................~...... Recorder, . $' /' WITNESS my band and lOal 01 olllce WI Anao Domllll18 ~ fl'I'.) JU(, tN.. fAG[ \,. I \, ... I~ARMERS TRUST COMPANY MORTGAGE nOND FOil USE WITII SIIOIIT Fon~1 ilEAL ESTATE MOIlTGAOE WITNESSETII TIIAT NICHOLAS A. RILLa and JOSEPH A. RILLa, JR. of Canp Hill, ClI'I'berland County, Pennsylvania and MAGOALENE RILLa, of Carlisle, ClI'I'ber1and County, Pennsylvania (herelnaller whelher singular or plural, called the Obligor), Is held and flrmly bound unlo FAII~IERS TnUST COMPANY at Carlisle, Pennsylvania, a corporallon ellsllng under Ihe laws oflhe Commonwealth of Pennsylvania (herelnafler called Ihe Obligee), In the sum of an amount conslsllng of three limes Ihe amountsllpulated below to be paid to Ihe Obltgee In lawful money of the Unlled Slales 01 America, 10 be pnld 10 Ihe snld Obligee, Its certain at- torney, successors or assigns, to whIch payment wcll and tmly 10 be made, Ihe sold Ohllgor docs bInd his hclrs, ell- eeulors, admlalstratnrs and assigns and everyone of Ihem, jolnlly nnd severally, firmly by Ihese presenls. And 01. so condllloned Ihat anylldng hcreln provIded 10 the conlrary nOlwlthslandlng, Ills csprcssly underslood and agreed that the Obllgallon of Ihls Rond shall covcr, as well, any fulure advanccs thai may be made by Obligee 10 Obligor, at any time or limes herealler, provided that at no lime may Ihe lotal balance due by Obligor 10 Obligee hereundc:" whelher the snme reprcsenls In wltole or In part, Ihe Inlllol advance or any fntnre advance or advances, exceed Ihe sum of an amouat conslsllng ollhree limes IIle amountsllpulaled below to be paid 10 1I1e Obligee. And 1I1e sold Obit. gor does hereby empower Ihe Prolhonolnry or any altorney 01 any Court of record within Ihe Commonwealth of PennsylvanIa or elsewhere 10 appear for hIm and wllh or wlthont a IlLclarallon llIell, confess jndgment agalnsl him 10 favor ollho Obligee, Its successors or aulgns, os of any term, for Ihe penal sum above menlloned, which sum sholl Include and cover all paymenls required to be mode by Ihe Obligor In and by the terms and condlllous of this bond as herelnofler set fnrlh, Including also au ollorney's commissIon for colleellon of five per cenlum of Ihe lotol of all such poymenls, or ~OO,OO whichever Islhe forger sum, togclher wllh cosls of lull; and docs hereby wolve slay of execullon or olher pro,cess on such Judgment, and holding Inqulslllon on any real eslale levIed on by virtue of any writ sued oul on such judgmenlls hereby dispensed wllh and waived and condemnallon agreed 10, wldeh real es. tale may be sold under a wrll or writs of Execullon or olher fawful writ; and all esempllons of personal propel.ty from levy and sale on any exeeullon under any law now In force or hereofler passed, Is Ilercby waived, and furlher Obligor hereby wolves all errors, defeels and Imperfeellons In en Ie rIng Ihe sold jndgmenl or In any wrll, or pro- ceeding Ihereon or Iherelo or In anywIse Iou ching or concerning Ihe same, and for Ihe confession and eatry of such judgmenl, Ihls shall be sufflelenl warrant and aUlhorlly, TilE CONDITION OF TillS BOND IS SUClllhat 1/ the above bounden Obligor, his heirs, execulors, admlnlslrators or osslgas sholl well and Iruly payor cause 10 be paid 10 Ihe sold Obligee, lis snccessors or assigns, within 12 years from Ihe dnte hereof, Ihe sum of One Hundred Ninety Thousand and 00/100---------____ DOLLAnS " 190,000.0/1 and all addlllonal moneys advanced by the Obligee as herein or olherwlse legally provided, lawful moneys, afore snld, wllh Inlerell at the rate of 12 per cenlum (12 %) per nnnnm, In monlhly paymenls of nut less limn 'l\o.u Thousand, Four Hundred Ninety Five and 49/100 DOLLAnS" 2,495 and 49 cents) monthly fromlhe dole hereof, or 10 be paid os follows,*See below for variable rate feature. LATE CHARGES: 5'10 of monlhly poymenl 15 days or more lale. SAID VA YMENTS 10 conllnne unllllhe prlnclllol amount of Ihe Obllgollon, additional advances nnd olher c1IBrgcS mode to Obligor or mode for Ihe prolectlon of tile mortgage security with Inlereslls Ilold In full. AN\"I'IJING IIEItElN Ilrovlded 10 Ihe conlrory nOlwlthstondlng, It Is expressly underslood ond ngreed Ihot Ihe Obll- golor of Ihls Bond shall cover, os well, any fulure advances Ihol may be mnde by Obligee 10 Obligor, at ony time or limes herenlter, provIded Ihnl at no lime may Ihe 10101 balance due by Obligor 10 Obligee hereunder, whelher Ihe same represenls, In Whole or In pari, Ihe Inllol odvonee or any fulure advance or advances, exreed an ol11ounl conslsllng of Ihree limes Iho omount sllpulnled hereinbefore 10 be paid by Ihe Obligee, 1'1I0Vllmf} ~'UnTHEII, and It Is espressly underslood ond agreed, Ihot Ihe monlhly pay men Is nlade by Obligor sholl be applied first 10 Inlerest on Ihe unpaid balance of Ihe principal sum and Ihe remnlnder thereof sholl bo ercd. lied on account of sold sum. EXHIBIT , I) PIlOVIDED FURTHER TIIAT the Obliger sboll \;ell and truly pay 011 taxes (which said term "laxes'; sholl ~here- ever used ID this Dond be takeD and held to Include DII taxes, water renls and 011 other municIpal or other govera- mental anenments and charges) which now and also all those which may Ilerealler he onened, levied or charged against the premises granled In the Morlgage accompanying this nond as the same shall rail due, aod shall on or berore Ihat flnt day or January or each and every year nroduee and deliver to the Obligee receipts ror 011 such "I axes" rer the current year alSused upon the mertgaged premIses, and shall also keep and maIntain at all times, In such company or eompanlel as the Obligee shall approve, a polley or policIes 01 Insurance against Ion or damage by fire, or olher risk as required by the Obligee, In an amount not less than tile amount due on this bond upon the buildings and Improvements upon the said premises, and 011 policies whatsoever covering the sold 1m. provements, whether ID exeen 01 the required amount or not, shall be dUly Dsslgned DS collateral leeurlty to the Obligee, and to be by said Obligee retaIned, and shall Dlso keep and molnloln Ihe buildings now on the morlagoged premises and any buildings ereeled Ihereon while this obligation sholl be In roree, In good and sulllelent repair, and shall also rorthwllh repay unlo the Obligee any sum or sums or money paid by Ihe Obligee ror or on oeeouet or any hulldlngs erected thereon while Ihls obligation shall be In roree. as above required (Which allhough not so bound Ihe Obligee may pay and maintain wllheutlnpalrlng any other 01 the rights hereunder, and atlhe option or the Obligee all such payments or advances made by the Obligee may be added to the unpaid balance or the loan), WITIIOtlT any rraud or (urther delay, then this Dand shall be void. PROVIDED, however, and It Is hereby expressly agreed that II at auy time derault be made In payment 01 said monthly lustallments, and Iota I arrearages are equivalent to two (2) contracted monthly Installment paymeuts, or derault be made lu the payment or "taxes" when due, or the prompt and punelual maintenance or said Insur. anee asslgaed as aroresald when due, or the payment or the coal and premium thereol when due, whetber pur. chased by the Obligor or Obligee, or or any lum or sums paid by the Obligee (or or on account or any taxes or pre- mlnms or either (which payments have not at the option or the Obligee been added to the nnpald balance or the loan), or malnteuanee or said buildings In good and sulllelent repair alter notice (rom the Obligee, or In the event the buildIng or bulldlugs shall be changed or altered, or If the title. to tile mortgaged premises be translerred to anyone other than the survivor or the Obligor, or his heir or devisees, wtlhout the prior wllten consent o( the Obll. gee, or In case or any derault under Ihe terms herear ar Ihe accompanying Morlgage, and such derault In anyone or thele respects exist rar a period or thirty (30) days I then and In such case the unpaid balance or the loan Ineludlug additional advauees and unpaid Interest shall,at the optloa or the Obligee, become due a~d payable Immediately, and payment o( said unpaid balance or the loan, addltloual advances and ull Interest theron and other payments herein agreed to be made by the Obligor may be euroreed and recovered at once, auythlug herelu coulalued to the coutrary notwllhstaudlug, and a wrll or writs or Exeeullon or other lawrul wrll may be Issued upon the jUdgmeut obtalued upou this obllgallon by virtue or the warrent or alloroey herelu conlalned, or a complaint In an acllon or mertgage (orclosure may be lIJed upon the accompanying Mortgage and prosecuted to judgment aud exeeullon aud sale to recover the unpaid balance or the loan, all addttloual advances made by the Obligee as herein or other. wise legally provided, alllnlerest thereon remaining unpaid, together with all lees, costa and expenses o( collect. Ing the same, Including an allomey's commission or live per eentulII, or $200,00 whichever Is larger, anything here. In contaIned to the contrary notwithstanding, and as a concurrent and cUlllulallve remedy or option (or the benellt or the Obligee, lis successors or asslgus, the said Obltgor does hereby aulhorlze and empower any alloruey o( auy Court or Record to appear ror him In any court or competent jurlsdlellou, to conless Judgment agalust him la (avor or the Obligee, Is successors or asslgus, In an amicable acllon 01 eJeelmeut ror possession 01 the property secured by the ftlortgage accompanying this boud, aud described thereIn, It Is rurther exprelSly understood and agreed that, II nny sum or sums or money shnll become payable uu. der auy policies or lusurauce lusurlng the mortgaged premises, or by vlrtuo o( any eondemnallou or takJilg 01 tho mortgaged premises (or public usc, the Obligee shall ;.ave the opllon to receive and apply tho samo ou account or thIs Obligation, or permll the Obligor to recelvo and use It, or auy part Ulereor, ror the purpose o( repalrlug the morlgaged premises, or ror any other purpose, wllhouttbereby waiving or Imparlug this Obllgallou, or the lien or the ftlortgage securing II. The Obligor hereby expreSBly assigns and tran/ers unto the Obligee all SUIl1S 01 money payable uuder such Insurauee claims or condemnallon proceedlugs, and does hereby Irrevocably uomlnate, eonsl- lute aud appoint the Obligee 10 net lor the Obligor as a true aud lawrul allorney ror the colleellou thereor. It Is rurther expreSBly uuderstood aud agreed thatlhe remedies 01 this Obllgalton and the aceompauylng Mortgage (or the enrorcement o( the payment or the principal sum hereby seen red, logether wllh Interest thereon, and lor the performance or the covenauls, condllloul and agreemeuts, mailers and things herein eoutalued are cu. mulallve aud coneurreut and may be pursued Ilugly, or lueeelSlvely, or together at the lole dlserelloD or the Obligee, aud 01111 exprelSly understood that lIlIe In thll Inslance relcrs 10 both legal and cqultable IIl1e, since this Is orale lenslU 'ebtlnstrumenl. m.y be exerel.ed .s Dilen .. oee..lon therelor .hall occur. . , '. ..' IF TIllS INSTRUMENT I. executed by more than one peraon a. Obligator the authorlzallon., ohl/gal/ons, relpanll. blUUe., lIablllUe. and walvera 01 each sholl be joint and several. Whenever uled, the Ilngular number Ihalllnclude the plural, the plural the Ilngular, the use 01 any gender shalllnelude all genden, aud the words "ObI/gar" and' . "Obligee" wherever uled, sholl Include their heirs, exeenton, admlnlstralor., sueellon, vendee. or alllgn.. 1989 SIGNED, SEALED AND (Wltueu) ......~- (Wltneu) ....... 2{' .-::--0 (Wltueu) ........~; ..~.. ...... ................... (Wltuess) ............................................... ,_ " (SEALI * 12% for the first three years. At the end of three years the rate of interest shall be revised to the then current Treasury Bill Index for maturities of 6-rronths plus 4,5%, and the roonthly pa~ts shall be revised to provide for arrortization of the then renaining principal and interest at the revised rate in equal npnthly payments within the ranaining portion of the period of years of the llII'Ortization teIlll, and this condition for revision of interest rate and rronthly payments shall be repeated every twelve (12) rrontha fran the date of th~s loan. If such revision is not acceptable to the Borrower/Obligor;MortgaCFr, then the then ranaining balance of principal together with interest at the then current rate shall be inrnediately paid in full. ~ ----...-. '-.,. ~...-..- ..... --- .' ~Itii."~~ J::" _ ""...............- --: IU' .--. 1!Cbt~ ~ttb, JlADS TBB Z ,(' doll of Aprll of our Lord 0114 tAo\lIClnd 111M lIUl14nd sixty-seven (1967). BETWEEN MAODALENE RILLO, ot South Middletan Tawnship, county, Pennsylvania, hereinafter called Gild JOSEPH A. RILLO and MAODALENE RILLO, his wire, ot South Middleton Township, cumberland county, Pennsylvania, hereinafter called WITNESSETH, tMH,,~of One and no/hundreda ($1.00) ------------------------------------------------------.- U\ 1\4lId pal4, l1Ie reMpl WMr'eof u Mr'WtI C1e/molDledae4. l1Ie l'Il4'UI'!"'IDr cIo ell ..... GM COIIVev to lM ,aid gnlntull' their heirs and asB1gns, all tenantll. b, ent~iell, ALL that certain tract or parcel of land situste In Middletan Township, Cumberland County, Pennsylvania, with buil and improvements erected thereon, baunded and described ss tol { BEOINNINO at a point an the ltouth side of a fifty (50) toot vide street known as Pine Street, aaid point being a corner of p~ belanging now or formerly to Warren Monism1th, thence along lilt property belanging to now or formerly of Warren ManisMith, So~' thirty-two (32) degreell farty-six (~6) minutes west., three h eighty-seven and fifty-two ane_hundredths (387.52) feet ta I thence along praperty belonging formerly to Joseph A, Rillo, n eighty-five (85) degreell farty (~O) minutes west, one hundred aix and seventeen one-hwlJredths (186.17) feet to an iron pipe sa a stane fencel thence along praperty belonging to now ar to~ Eugene Bamberger, North forty-f!ve (~5) degreell fifteen (5) west twa hundred forty-five (~5) and thirteen ane_hundredths (2 feet to a cherry tree I thence along property belanging to nOlI or farmerlY the Feuchtenberger Estate narth forty (~O) degreeS Pro (00) minutes east three hundred and twenty nine (329) feet to I post; thence alang ather'praperty af Joseph A. Rilla south n (51) degrees fifteen (15) minutes east three hundred faurteen farty-seven one_hundredths (31~.~7) feet to an iron pipe; tbe~ by the same narth thirty-two (32) degreeS forty-six (~6) IDinutd east ane hundred forty and seventy-eight ane_hundredths (1_0.711 feet to an iran pipe on the south aide of abave mentianed Pillll,' Street, south fifty-one (51) degreeS fifteen (15) minutes eut, fifty and twenty-seven ane_hundredths (50.27) feet to a point, place of Beginning. Containing two und nine hundred sixty-tite' one thausandths (2.965) acres af land, mare'ar less. , HAVINO 'TIIEREON ERECTED a one story building. Subject ta rigb\i~ way in favor of R. E, Best as set forth in deed recited belOll;' and being pnrt of the same premises conveyed by R. E. Best and Mary A, Best I his wUI'. in Deed Baok 20 N 701, ta Magdalene grantor herein. J Thia conveyance is a non-taxable transfer fram wife and wife. j i...._ I EXHIBIT J ~ooK)j22rA~t 960 . ..._...... .4...._4_.. ._..._.. 0-'0' ..... o. . .. .-.' ... -'. . . -............ ...... eO ....,' 0'-'. ~~ ~h~ AND 1M ICIld arantodMrtW COlIIlIGIIt lIIId Ggf'1I I/W ~ ~^- wUllll<lrranl genera1l1M prop""" MrtW COl\VIllt4. ., i::- fK~ ... ~ .' ' '~ . . " ~'~r'- . ~., ... !" - .... i:' .,I. :.. - .. w. ~ - " - '. - ~;! , .' ., ... ~ IN WITNBSS WHEREOF, 1<114 grantor /lG a herf1nIlo lit 1M clGl/ and I/,ar tint cslIOII' ~ /l4nd and leal her 1tIp~ eralrll .nllllrlla~ . . 1II1l!r \IrrNlU! cd ,~~.cRA.'. ~ ~ ~ @ .. '. . ,.., SI4U 0/ pennaylvan'l'e. 1.... ccuntv 01 cumberland f On 11111, 111. '2.7 e clGl/ 0/ Apr1l IhtmdmlgIlfClO~II',p~~l/aPl',arcd MAQDALEN~ llILLO ,ta 67. b,/or, me, "" . ," I.' /mOIOII1o 1M (or eGtlIf"1oril1/ prC,9Ml) 10 b,lM perlOn 1Q/lo.!.nam.' 18 IUb.cribe4lo Ihe 1 w1l11ln Inllnanen*' and "knolouaaed I/l4t ahe ea"CIl1e4 eam. lor th, puljlOlU lhereln , conWIIfCI. . ",I'II1I"UUli.,,;', ~ ..... . . 1,,(\,:;~:u,lIlI,~'J'.f!~S .yIBSREOF. 1 MmmIo .et m /14M and 0,qlciaJ ual. e,) to"" II I'. ' ~ ' ./ A /J o . '... "> -;.... " ('~. c.'U- It: .... ~~', t ~"~. ., :... ..~. :::. 01- ~ I;: -::. . .....Qt.t~..-c~ ~f:'.'"'~r Notary pu ,f('I,~","'. ....U; 'r ......i'. ,. . ~.' : .... ~..:~.bS'(~\\:.. ;;1. "i~ 'A.I'......\.~.,:O ,Il "In ~v .......l.. I'f Y'- ,..,,, Illllflln"'" , . ~ .. 1e, Car11ale, Penna. --- Tille of Ol/lCer. JOSlR I. '.-lnl, W:T~~1 f\1~': 1l11l1llIll'lUIM,IC"\tIl"lt!';:IU HllDMIIllllOl4l.11l1l1lllO!Ill,1I11 ,... " , r do Mr'IW urtIflllh4t 1M prOcl" ruilUnc' and eompllle po,t ofJIc. addru. of 1M wUllilI namall grald,n" (?D. tf-tt< ~?, ~. /1" I1A.;..l L,r J" h -t"n...' - . ,.., ..,_ ,..' __, ...~, ....L.-.-:- "" ~1'!>.cA" Auomevlor ~ " \.... . , . ~oOKII22'ACE &61 " [' ., ;: . ~ I \1 \1 ": , I' :!,,; 1;\ I, II II i: II": :,1 , l. I "1 1 I .. !: " 1 :1 I: 1 ' I!: [,,' ! .\1. ,I'; \ 'I.\' ~ I: \'1,,', I" j t ! l~', 1,1 i l :. I " .' , /, ~ .1 .{ Ii I' .\ ,. (! It ~~ ~ \1 ~I ~l .,. .. fl. . !' ,', Ii ,~ f' " " I ~' 1 l\ \ ,1 I, f! t , ,. I' \: II ,\ " ACT 91 NOTICE , TAKE ACTlaN TO SAVE YOUR HOME FROM FORECLOSUR& The Comnlonwo811h 01 Ponnsylvania', Homeowners' Emergencv MortgageA.uiatafU:o Program may be able 10 halp you. Road Ihe 'ollowlng "olico 10 rind oul how the program works. . II you neod mtlrulnlormallon call1he Ponnsylvanla Houling FlnanceAgoncv 811(800) 342,2397, La nohlicBcion en adjUnlO 8. do luma Imporlancla. pUGS alecla IU dorocho 8 conllnuar vlvlondO on IU tCU, 51 no comprand. ol conlenido de Olla nollfiCation oblonQII una troducclon ImmedtBlamenl. llamandll oslo ogeotla IPonnsylyonioHoU5lOQ FlnancoAQoncy) 1m CDtgOl81 "umerD mone/anoda aUlbo. Puedos sel ologlblo para un prealamo por 81 programa lIamoda -Homeownors' Emergencv Mortgago AUlSlanco Program- 01 cuo puodo lolvor IU cau do 10 perdlda dol dorocho Q redlmir au hlpoIOCD. RE: Account No.: ACT 91 NOTICE IMPanUNT: NOTICE aF HOMEaWNERS' EMEROENCY MaRTOAGE ASSISTANCE PROORAM, PLEASE REAO THIS NOTICE, YOU MAY DE ELlOIOLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE yaUR HaME FRaM FanECLOSURE ANO HELP yaU MAKE FUTURE MORTGAGE PAYMENTS 70(,0705:; COlD: Jl:l y II:, 1 ~,45 TO: Nac,tialt1r..: Rlllo FROM: l<'J.lU1l1Cll:l l'rllllt 4'i1 N. Cal1PallY 21 st Utt(?<~1: Curr.. 1 \ir~st Ulcn !!trl.'€!t Hill, PI, 17G 11 Cild1:; e, Pl\ ,.,.0 J:i You mlY b. .lIglbl. for IInlncl.1 "llltlncl Ihlt will prev.nt for.clolurl on your mortgage If you comply with thl provlllonl of thl Homlownlrl' Em.rgency Mortgag. Alllltlncl Act of 188311hl "Act"}. You may b. ellglbl. for emergency temporary ...'slancllf your d,'ault hu bien clul.d by clrcuml'lnc.1 blyond your contrOl. you hav.. r'.lonab I prolplct or rllumlng your mortg.g. p.ymln'l.and Uyou mil' othlr IUglblllty requlrem.nl. 1I..blllh.d by th, P,nnlylvlnl. Hauling Flnlnc. Ag,ncy. Pl.... rlld III of Ihl. Nolle.. It contllnl In ..planation or your right.. Under the ACI, you lue entilled to 8 temporary Ilay 0' foreclosura on your mortgage lor Ihllty (30) days 'rom Ihe dale 01 Ihis NOIIce. Outing that limo you must arrange and allend a -'ace.lo.loco. mOCl!ing With a repr.sonlallve 01 lhlslender, or Wllh a deslgnaled consumerero(ht counsoling agency. The purpose 01 this meellng IS 10 ellemplto work out a repaymenl plan, or to olherwlse lellle your delinquency. This meeting must occur In the ne.t thirty (30) days. II you all end I flce.lo.lace meeUng Wllh thllllende,. 0' wilh B consumer crod.1 counseling agency Idonlilled In thil noUce, no further proceedmg In mortgage loreclolure may loko plo.olor Ihlrly (30) day' Olio, tho dOlO ollhla moDling, The name. addrellBnd telephone number 01 our represenlallve Is: Joy D. TraveL" Illest Ifiqh Street Ca~lisle, PA 17013 ~4j-3212 Telephone Number; The name Is). addrellles), Bnd phone numbers 01 (a) deslgnsled consumer credit counseUng 8goncy(lel) Is (arel: YI'~::A 301 G :il:reet l,;arl1s1e, Ph 17013 Ills only necessary 10 schedule one race'lo.leco meellng, You should ad'ilso thlslenderlmmedialely 01 yourlnlenllons. Your mortgage III In def8ullbe~~SD y~a'ie lailed to pay promplly Installmenls 01 principal and Inleresl, os roquired.lor 8 periOd of alleaslll.ly (60) days. The lolal amounl ollhe.dallnQ.u@ncyIIlS J, ;lb. , Tl1allut)'1 incIUdellhJJlOIl0WIn~: . '.'llr.~ ffOm:nl' pa Trent,G or :;; 1 ,L'l~" 29 rc,r tile lilOnt l!l or i:Ja\' 19"'5, .Jlme 1995, dnu U./ ':J..:l ane.: ace C lbrcPoS 01: ~ ~u_ 4 Your mortgage Is 01110 III delaulllor Ine lollowlng roasons: II you have tried and are unable 10 rosolve Ihls problom at or allor your 'aCO.lo.lace moellng, you ha'io lhe ughl to apply lorllnonCl81 aSSISlance Irom Ihe Homeowners' Emorgency Mortgago Asslslanco Fund. In ardor to do thIs. you muslllll oUI, sign and fllo 0 comp/eled Homoownora' Emorgoncy AllIlslance Appllcallon with one of the doslgneled consumor credit counseling agoncios Iisled In tho altachmenl,An application for asslslanco may only be oblalned 'rom aconsumer crodlt cou~lIeling agency. The consumer crodil counseling agoncy will aUlsl you In IlI/ing out your applicahon and wllIsubmll your completed appllcallon to lhe Pennsyl'ianlB Housmg FlnenceAgency. Your application musl bo IIled or poslmarked. wllhln thirty (30) daya 01 your lace.lo.lace meallng. II is extremely impor/ant Iha' )'OU""1 you, applicalion plomptly. It)'ou eta no' do $0, or" you do not 101l0w ths olhet '1m, PBfIOd, .set 10flh In 'hi, Ilflter, lOfeclo,ul8 may proceed lIQlJinSI your homo Immediately. Avallablo lunds fa' emergoncy mortgage assistance are very hmllod. They Will be disbursed by Ihe Agency undor lhe ellglblllly clltoria eslabllshed by the Ac!. illS o.llUomely Imperlant lhal your applicallon be accurate and complete In every respect. Tho Pennsyl'ianLa HOUSing FlOanceAgency has Silly 1601 days to make a deCISion aller II rocuives youf appllcallon. DUling Ihal addlhonal lime. no loroclosure proceodlOgs Will bo Pursuod agamst you II you ha'io mollhe lime foqUlromenlS let 10rln obo'ie. You Will be nOlllled dlroclly by thai Agenc 0111 Icallon, The Pennsyl'iania HOlJslOO Fin EXHIBIT h Fronl Stroel, Post Olllco BOI 8029, HamsbUlg, Ponnllylvanla 17105. Telophone No. 17171 760.3600 or 1-800,342,2J97 110111'00 numt 'on .0111,800,342,2397, In addlllon you may recolve ant I ...... 1601 t074. That nOIlCD IS cOllod Ihe -NoIICO ollnlenllon 10 Forectosuro.. You mUll reuel bOlh nolicoI, lIOCO they lJoln elplEun rlghls Ihal yo I"''\. . HOWOYllr, II you choolo 10 olorcllo your rlIJIUS tJOSCllllod 10 Ihlll nOIICO, you carlllel bo 10loclosed upon While you are rOCOlvll10 Ihut as } ~Oryl"ll\"Y~~'" (-.,'...J , ) I. " ,~ I I ' '.(.,/ ,1/\ I. ." 'i,' I.~,. ," flEMA Ro', 2 0/94 ,', ACT 91 NonCE . ' TAKE ACTIOU TO SAVE yaUR IIOME FROM FaRECLaSURE The CommonwBollh 01 PennsylvanIa" Homeownor,' Emergenc)' MortgagoAaiislanco Program may bo oblo 10 holp you. Rood tho following noUeo to.hod Qui how the program works. . II you need mare tnlolmallO" call1ha PennsylvanIA Houllng Finance Agoncy at , (BOO) 342.2397. La notlhcaClon en adjunlo 8S do luma ImpononcllI. puololacta IU dOlocho 8 conllnUOI vlvienda en IU cau. 91 no comprondo 01 COolORldo do olio notlhcaClon oblongl1 una Uoducclon lmmedullamenlo lIarnonda 0.10 agonelll (Pennsylvania HOUSing FtnanceAoenCl) Sin corOOS 01 Rumoro monclonado ambo. Puodes set oleg1blo parD un pro alamo por 01 progroma lIamado -Homoownors' Emorgenc)' Mortgage Au_slonco Program- 01 CUD pUOdO salyor IU cOla do la pordlda dol dOfocho a rodlmlr IU hlpoloca. RE: Accounl No.: ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEaWNERS' EMEROENCY MORTOAGE ASSISTANCE PROORAM, PLEASE REAO THIS NOTICE, YOU MAY DE ELIGIDLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM FORECLOSURE ANO HELP YOU MAKE FUTURE MORTOAGE PAYMENTS 701J1l'105!5 0010: July 1 ~, 1995 TO: liicholoF FROM: L'ln:U1l:l,;,J. '!'ntr,l1: II 1 ltll.~', tA 1701:i You mlY bl IlIglbl. .or Unancl.l 1..lsttnellh.t will prty.nt 'or.closurl on your mortg.g. II you comply wllh Ihl provlllon. o' Ihl Hom.own.rl' Em.rg.ncy MOllg.g. Anl.'.nc. Ac' of 188311h. "Act.), You m.y b. .lIglbl. lor em.rg.ncy '.mpor.ry n.I.'.ncell your d.'.ulI h.. bun c.u..d by clrcumlllnc.. b.yond your conlrol, you htv.. r,,,oRab I prosplcI o. rllumlng your mortgage paym.nts, and U you meet other eligibility r.qulrem.nla IIt.bUsh,d by th' P,nnlylvlnll Hou.lng Fln.nc. Ag.ncy. Pl.... ro.d .11 of 'hi. Nollce.1I conl.ln. .n upl.n.llon 01 your rlghl.. Undor the Act, you are anUlIad 10 a temporary slay 01 10laclosure on your morlgago lor Ihlrty (301 days from Ihe dolo 01 Ihls Nollc:a. DUling thai time you musl auange and anond a -lace-to-Iaco. meeUng wllh a ropresonlallve,ollhlS lender, or wllh a designated consumer credll counseling agency. The purpose ollhll meeting II 10 allampl to work out a repayment plan, or 10 olherwise aclllo your delinquency. This meellng musl occur In tho nelllhirly (30) days_ If you allond a lace-la-lace meellng wllh thlslendor, or wllh a consumer credIt counseling agency idonlllied In Ihis nolico, no lurther proceedmg In mortgage loreclosure may I.ke pl.celo, Ihl.ly (301 d.V. .110. Iho dalo ollhl' moDling, The name, addres. and lelephone number 01 our representative is: Joy D. Trayer I \/~~t lllC.ll Street C:l.rllSie, 'L'A 170n :.!'l::-j~12 Telephone Number: The name Ill, addreJl{el), Bnd phone number. 01 (a) deslgnaled consumer credll counseling agency(les) II (are): "'. - ..."-<l JUl lJ :;treet caL'llSJ.e, 1'/\ 1'/(; 1 j 1111 only necessary 10 schedule one lace-Io-laco moehng. You should adVise Ihlslondef Immedlatoly 01 your Inlonhonl. Your mortgago II mdelaull because you have faded to pay promplly Inslallments 01 prinCipal and Inlorell, os ,equllud, lor 8 period 01 allea.tllll)' (601 days. Tho lolal amounl ollho dellnRuoncy I. S, 'j, b!;l.. 66 ~ ThalOum.l~cludo.lholollowingc '1. ',!:t:t: VClOl:lU H'1',l~nCE'OO1: ~;., .:tl~. J~J tor t:nE' ru~nt.IIS ()[ 1.1(\' 1995, ,jU1!Co 19<<:5 and JU.l-y 11:.l tUlU ttt:(,t C lL'~e!:! ut"1 ~ . ..Y. Your mOrlgogo IS plso In delault lor Iho lollO'lflng ,ealon.: II you have tried Dnd 018 unablo to rOlolve Ihis problom ot or ollar your faco-Io-face mealing, you hallo Iho IIOhllO apply 10f financial assislance tram lhe Homeownor,' Emorgency Mortgago Alli,lance Fund. In Older to do this, you mUlt 1111 auI, Ilgn and hlo 0 con'plolod Homoownors' Emergoncy AsslSlanco ApphcaUon wllh one ollhe dellgnaled consumer crodll counsehng agoncles hsled in Ihe oltachmonl, An apphCa!IOn IOf BillS lance may only bo oblalned hom 0 consumor credll counselIng agency. The consumor credit counsehng agency Will 011111 ~ou In IIl1mg oul ~OUI opphcallon Gnd wlllliubnlll your completod appllcallon 10 the PunnS~lvaRla Housmg FinancoAgency, YOUf apphcoUon mUll be hIed or poSlma/ked, wllhln lhllly (301 da~1 01 ~our laco-Ia-Iace moullng If 15 I",'reme/t "lIpor'ilnl mal you /lid )'our IIVpltcallon ptomp1/t /I you cJo f10' dO 50. or II )'au 1.10 '10' tallow inti OlhOt "me pemxls "" tollh III ,hIS lellet, lorsclosure may proceed again" )'our flame 'mmOtllalely Available lunda lor emorgoncy mortgage alllsloncs 8re YBry IImllod Ttloy Will be dllbullod by lhe Agoncy undo'lho eligibIlity clllofUl ollUlbhshed by the Acl, IllS ell'emoly IO'pollanlthol ~our oppheahon 1I0 llecurole ond COlflplolO 111 overy IOlpuel, the Ponnsylvalllil .Iouslno FU\anco Agoncy has s.,ly 1601 days to make a deCISion olto, II 'OCOlvUI yotll apphcahon. DUling thol addlhonalluno. no loruclosuru plocoodlngs wlllllo PUlSUUrJ o10il11lSI you II ~uu hilVO rnollho limo loqUlromenll aellorlh above. You Will bo nolI hod ulloclly by lhat Agoncy 01111 deCISion on yout apphcallon Tho Ponnlylvuma ttuullnQ FtnnneuAgoney Isl fill FroRl SUeol. Poal Ollleo 001 8029, HllrIlalllHO, Ponnsylvamn 17105. Tolophone NO.171 7) 780-3800 or 1.000-342-2397 Uolllloo numb CDn coli 1.800.342.231)1 ' In oddlttol1 yuu may rueulvo 01 e)lH\B\T cl U 011014 Trial nOlleu IS called the "No!lcuollnlOflllon 10 FOfocloaufO.. You mUll fODdbolh nollCos, IIOCO IIIOlballl Olplllln IIUh111h111 ~ II IlowuvUI, II you cl1ooso 10 Ulltlt:ISU yUU! IItJhlslJuStflhull UI Ihl' nollco. you connolbo IOloclosod upon will 0 you 1110 fUCUIVIllU IhDI 0 / I --- - Vury lrulyyuur~: , ,~_#I . I . . I'll.' I, I . jl/I , j ; - .~ } " ACT 91 NOTICE , TAKE ACTION TO SAVE YOU~ HOME FROM FORECLOSURe The Commonwoollh or Pennsylvania', Homeowner.' Emorgnncy MonQagoAulstancD Program may be ablo 10 holp you. Road Ihe lallowlng noUeo 10 hnd out how lhe program workl. II you naed mO'Dlnlo,malion call the Pennsylvania Houllng FlnanceAgency 011 (800) 3..2.2397. La notIficatiOn on odJunlo 01 do Buma ImpoflsnCl4, pun alecta IU dorothO a conMul' vlvlondo on IU C8sa. 51 no comprendo 01 conlonldo do Olio nOlllicoclon obtonga una lraductlon ImmedlBlamonlo lIomonda Olio agenell] (Pennsylvania HOUSlOQ FlnanceAQOI1Cr) Iln cargos 01 "umuro menclonodo offlba, Puodo! lor oleglblo para un proslamo por 81 prOQramo Hamada -Homoowners' Emorgency Mortgago AIIl,lanco Program- 01 CUll puedo salvot IU CDla do la perdlda dol derocho 0 fedlmir au hipolOCII. ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEaWNeRS' EMeROENCY MaRTOAOe ASSISTAIlCE PRaGRAM, PLEASe REAO THIS NOTICE, Yau MAY oe eLIGIBLE FOR FINANCIAL ASSISTANce WHICH CAN SAVE YaUR HOME FROM FaRECLaSURe AND HELP YOU MAKe FUTURE MaRTGAGE PAYMEllTS iOllOi055 0"0: .1111., lH, 1<;';'\ RE; Account No.: TO: FROM: Josc::oh a. ruBe 451 ll. 21st Stl-reet eam, Hill, Pa 17011 1"lnltnClal 'fl11Sl: Cc.'fot.\!tnlZ 1 IIrJEt /l.lCjI': Stl'ep-t c.:ul'lir,lt;, p;, lil0~ You m.y b. ellglbl. lor IIn.ncl.I.IIIII.ncelh.1 will pr.v.nl for.clolur. on your mortg.gl If you comply with Ihl provlllon. 0' th. Hom.own.rl' Em.rg.ncy Mor'glgo AIII","nc" ACI 01 1883 \'hO "Ac'"). You mlY bl IlIglblolor omorgoncy '"mpor"ry "1II,'"nc"U your dol lull hn blln Clulld by clrcumlllncn boyond your con Ira'. you h.v.. r...on.b . prolp.ct 0' rtlumlng your mortg.go p.ymlnll,8nd If you mill olh.r IlIglblllly r.qulr.m.nll 1.I.blllh.d by th. P.nnlylv.nl. HaUling Fln.nCl Ag.ney. Pl.... rlld.1I 0' thl. Holle.. 11 conl.ln. en ..pl.n.lIon 0' your rlghl', Undor Ihe Act. you are enlltlod 10 a temporary Ilay 01 'oreclosure on your mortgage lor Ihlrty (30) da~s from tho dale ollhll Notlco. During Ihal lime you musl arrango and attend a .'accHo.laco. moeling with a roprolonlaUve.ollhll lender, or Wllh. doslgnaledconlumer credll counseling agency, The purposo 01 Ihis moellng Is to BlIempllo work out a repaymenl plan, or to olherwlle lellle your delinquency. This meeting mUll OCCUr In Ihe nelllhlrly (30) days. n you allend a race.to.'ace meeling wllh Ihlllender, 01 with a consumer credIt counseling agency idonlllied In Ihls nollce, no further proceeding In mortgage 'OlOclOlure may Ilko pllco lor Ihll'y (301 dlYS allor tho dOlO 01 this mooling. The name, addresl and telephone numbor 01 our representative Is: ,Joy D. 'l'rnyer 1 Nf1!'t i1ioh StreEt Q,rliBlc" PII 1';'012 :<4j-3212 Telephone Number: The name II), add,enlel), and phone numbers 01 (a) dellgnaled consumer eredll counseling agency(lOs) II (aro): YI'.cA ::01 G 3tlHP.t Cnrli~le, PA 17013 1111 only noceuary 10 schedule ana laco.lo,'aC8 mooling. You Ihould adVise Ihl.lendor immodlaloly 01 your inlentlons. Your mortgaga Is In delaull becausB you have failed 10 pay promplly inslallmonts 01 pnnclpal and Inlerasl, as roqultud, 'or 0 pOllod olallealllilly (801 days. Thelotolamounl 0' Ih, dehnquoRCy,ls S .. . Fo. t' t.. f~(\ I Thai 14m include. the following: 11ilrL'<: m:.mtl.J." Xl'lm?ntr. ot S 1 :l45. jC; ter tl1r.! Iwntns r;f l,!nv C) = J l;r;; , ,1u V 1"11)5 line'! l!Jte piJ.'I1'C'C'!i 01: SI~O.:2lJ. Your mOflgage is also lR delaulllor the follOWing ,eason.: II you have tried and aro unable 10 felolve this problem at or ellor your '8Co-lo.laco moelmg, ~ou have Ihe 'Ightto apply lor IInanelal 8111slance flam tho Homeowners' Emergency Mortgage "lIlltanco Fund. In order to do lhis, you muslll1l oUl, Ilgn and 1110 B complelod Homeowners' Emergoncy "lIlllanco Applicahon wllh ono 01 Ihe dOlignated consumar Clodll counseling agoncios II110d In the ollachmonl.An application lor asslstanco may only be obtamed horn a consumer credit counseling agency. Tho conlumer crodll counseling agoncy wUI allist you in IlIlmg oul your apphcallon and wlIlsubmll ~ou, completed application to Iho Punns~lvaMla HOUSlOg FlnanceAgency. Your appllcallon mUll be IIled or poslmDlked, wllhln thirty (301 days 01 your lace'lo-loco meellOg. I' Is or"emolyrmpOrlant ,hQ' you 1110 your appllCiJlIOn ptomptly. 1/ you rJo no, eJo 50. or It you eJo no' tallow 'lie o'he' Iltlle PdflOCS set lollh In 'hiS I,,,er. lo,eclosure may proceed agams, your home ImmedIately. AViJllablo funds lor ome,goncy mOl1gago asslslance are very hmlled, They Will bo disbursed by Iho Agency undor Ihe ellglblhty crllerl8 eslabllshed by Ihe Ac!. illS oltromolv ImportOl1llhal ~our apphcatlon bo Qccurale ond complelo In ovu')' rospucl. The Punns~l~aOla HOUSing FlnonceAgency has 1IIIy (60) d..~s 10 mako a doclslon altelll ruculves youI applicallon. DUling thai addlMnallllnu. no IOltlcl05uru prOCOO(Mgs Will be purluU\J agalllsl you II ~ou 'lavo mollno llnlU roqulromonts sellonh above. You Will bu flohllod dllUClly by Ihal Agoncy 01111 dOCISlon on you' appllcallon Ttlo PonnS~IV8nlO ttousmg FinancoAgoney IS localeeJ al 2101 Nonh Fronl Sir oat, POll Olllco BOI 8020. .~artl'burD. PennsylvaRla 17105. TtJlophone No, (717) 180.3800 or 1.800.J42.2307 1101llroo numborl, Porion' w .342.2307, In addlhon you may rocolvo anolhor flU Ilea It, EXHIBIT al nohco II collod lhe .NOllco ollOlonllon 10 Foreclosuro', You muSI ,ood bolh noll':ol, 110CQ Ihoy boUl ulplmn rlOhl1 thol you now ""vu U 'au choose 10 OUlICISO you, 'lUll Is lJesCllbod 1IIIIIlS nollco. you cannol bo lorocloll)d upon wIllie you ,.ro rocolvlng Ihal UlllllolICo. I ~ / Vory IrUI~.~~~~ (, :) I r '. -[....., , I I . I "" ~ . \ tU::MA nuv ;' 8/9., I NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: hCT:rJlr,!' ",. Hi lJ,) It': 1 N. '" l t ';l'~"'..r ..':,L'r. d t i ~, p:,. r;1'11 u- 001001 NOllea ~h. 1::, 1l)':~ Loan No. :ltl:"7['~~ The MORTGAGE held by ,'J.I1:IIILi.'.l trll.',t C:,~q'ruw 1 \11':.t i!J.r.,. :Jtt'(,'Jt C;,rll..!" .':\ 1',(01:: (hereinafter we, us or ours) on your property located at ':v l'll..~ :;\:r:u: ':~UJ.d." .... 1 it. i ' IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ 1" ,,~,,;~ for the months of :,::",' 1",\\r .]I:n, 1r,',',' ,and ,:\'," 1"'," and/or because Late charges and othar charges have also accrued to this date In the amount of "f. .I~ , The total amount now required to cure this dofault, or in other words, gat caught up In your payments, as of the date of this letter, Is $ 5, r~' ;. ((. You may cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount of $ " , .,~: j,. ; .; , ptus any additional monthly payments and late charge which may fall due during this periodt~I~I~I~c;~~~m:~~r,'ru~~':'~~I~,~de e~th,~~.~~ f:~~~!. :~~~'::.;~ checkc;~rl~!r~ ,c~;,,~k 1 % \'laney order, and made a~ 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 mortgege 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 mortgaged property will be sold by the Sheriff to payoff the mortgage debt, I f we refer your case 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 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 other charges then due, as well as the reasonabte attorney's fees and costs connected with the foreclosure sate 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 1lt:c.l \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 wllllncrea3e the longer you wait. You may find out at any time exactly what the required payment will be by calling us at the following number: ',43-3:; 12 , 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 0 Sheriff's sale will end your ownership of the mortgaged property and your right to remain In it. I f you continuo to live In the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rrghts to help protect your Interest in the property, YOU HA VE THE RIGHT TO SE LL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON.EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOSURE, If you cure the def.7lItt. EXHIBIT YOll arc not entitled to thiS, ( ~ tared to the sallie flDsitlulI as If 110 defal/tt hac! occl/rred, However, tlllore than three limes In any calendar year. I , ,...., Nil 1II'\I~' ',,11.1 I"~"" nv -_.- - -~_. __ :__~~~~_______~._~_ __ ... ...-.- --. " itO: :;;,ll'Cnldlr, :lil1u ~~ i II. ~ if,\: ,;tr.,,,,t ,~.'r,:> .;111, P;., 1"/,'111 NOTICE OF INTENTION TO FORECLOSE MORTGAGE Date of Notice .7liJ... 1 h" 1':~5 Loan No. .. ", ...." r ; I. ~-l. H.;.. The MORTGAGE held by 1"lr.~I'(:l'l] ~lW t. ';cr.~Nl" 1 l;,'~'t, Illr.!' :itrr'('t L.,"Ii' 1", ~l;; 1'"" 1 (hereinafter we, us or oursl on your property located at .0 i'i r" ,,\:r:.." 1:;'lli~j,-, ;>;\ , .;; I IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ 1.:'.1" , " for the months of i,j:,', 1<;',', ,hll~0 1';<;'. ,and "'.1" 11)')~ and/or because Late charges and other charges have also accrued to this date In the amount of 1;,0. .:1) , The total amount now required to cure this default, or In olher words, get caught up In your payments, as of the date of this letter, is $ ~,r.!;(,.G(, , You mp'Y CUra this defautt within THIRTY (3D) DA YS of tho dato of this lattor, by paying to us the above amount of $ ; .I.:,u. ':1, , plus any additional monthly payments end late charge which may fall due during this period. Such payment m4,st be made either by cash, cashier's check, certified check or money order, and made at ttl:lhr~c.1L..l 'll.t~:Jt l..CnpHJ1',' . If you do not cure the default within THIRTY (301 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 tha chance to payoff the original mortgage In monthly Installments. If full payment of the amount of default Is not made within THIRTY (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 the default before they begin legal proceedings against you, you will stili 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 stili have the right to cure the default and prevent the sale at any time up to one hour before the Sherlff's foreclosure sate. You may do so by paying the total emount of the unpaid monthly poymonts plus any Iota or other charges then due, os well os the reosonobttJ attorney's fees and costs connectod with the foreclosure sole and perform any other require. ments under the mortgage, It Is estimated that the earliest date that such a Sheriff's sele could be held would be approxlmetely Dec:. 1 '.i')~ ,A notice of the date of the Sheriff sale will be sent to you before the sale, Of course, the amount needed to cure the default will Increase the longer you ~al!, YRu,may find out at any time exactly what the required payment will be by calling us at the following number: ,,4J-,)..I.: . This payment must beln 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 SE LL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT, YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE, MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST, YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF. YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON,EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FO If you cure the dofoutt, you arc not entilled 10 Ihis I ...t'. NI' 111'0; ""'11.' ......., EXHIBIT II ored to the sallie posltloll ,1S If 110 defolltt IlOcI occllrred, However, more than three times In Hny calendar year, ' . ' , . '. nv --"_____ _ __.!_ ~ *._.._._. ___ _ _9 _._ _._ NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: . kr..t.:.,.... ,. ;Hil,. :~ 1 ". '.1 ~.- .... ~-":' 11,1: 1)1" -,' I' Oato of NaIleD .-1,Ulj. ~ '. . '1'('1. , Loan No. ','i'(iCil'~:: The MORTGAGE held by L,'lt:hr.dll} 'i'n::"\; ":~r.I),,'Il', 1 hf:!Jt IIj,.:: O::l:cu:t ..>Lli: :,:, ;'il :',('1~ (hereinafter we, us or ours) on your propertv located at :.li l'i~E! ~;tri!l.t ':;:1'lil'}I', :'., !: C~ - IS IN SERIOUS DEFAULT becauseyou have not made the monthlv. payments of $ 1 ,::'I~.. ~': for the months of .1:,'.' 1':':~ , .JUL,' 1',,:~ ,end ,'ll'" :"::, and/or because Late charges and other charges have also accrued to this date In the amount of 1...:,. ..\, , The total amount now re~ulred to cure this default, or In other words, get caught up In your pavments, as of the date of this letter,ls$ ~,<~l..h(: , You,m~YI cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount of $ '" " - ;. LlI , plus any additional monthty 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 ;".i~llr~cipl '.i.11:LI: :~,l....'nn)' 1 \..'t,!~1' 11](':,,; ~'~t'n:.;.." \":trlj~',)t.. pI', 1-;01- If you do not cure the default within THIRTY (30) DAYS, WIl 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. I f 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 mortgaged property will be sold by the Sheriff to payoff the mortgage debt, I f we refer your case 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 fees, actually Incurred, up to $50,00. However, If legal proceedings are started against you, you will have to pay the reasonable attorney's fees even If they are over $50.00, Any attorney's fees will be added to whatever you owe us, which may also Include our reasonable costs. If you cure the default within the 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 Sherlff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any lare or other charges rhen due, as WIlli as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require. ments under the mortqa~i1. It Is estImated that the earliest date that such a Sheriff's sale could be held would be approxlmatoly DEC. ,',)~ . A notIce of the date of the Sheriff sale will be sent to vou before the sale, Of course, the amaunt needed to cure the default will Increase the longer you W!lt, Y:Piu may find out at any time exactly what the required payment will be by calling us at the following number: ~ ~- .i. ~ . This payment must be In cash, cashier's check, certlfleLl 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, PROVIOED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUI RE. 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 FOR If you cure tile defautt. r J you are not entitled to this r EXHIBIT J red to tile sOllie fJosltlon os If no doiautt IIod occurred, Howevor, mom than throe times In any calendar year, t1.1'1 Nil IIt'\';' ','"4 I....~.' Bv, _,__,_,_-' -_ ..: -_..-> ' ~ 1"'" ~ .:l Q " ::-i -J: - ~g - I;:->>~ .,- l.)..1.. It: ~- ,0: a~ ~~ ,.,,- r- :.--[!;! - .1,. ,-- L11 -l tn(D F ;::. (up... -, ..:r~ I,l- l; ;-.) 0 u