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Home My WebLink About95-06128 4. Said note and said real estate mortgage have not been assigned, 5. ROBERT M, SMILEY, JR. and CRYSTAL S. SMILEY, are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated and recorded on April 16, 1992, and recorded in the Cumberland County Record~r's Office in Deed Book "Po, Volume 35, Page BBB, more specifically set forth in Exhibit "CO, 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 the following months, May , June, July August. September and October 1995, said payments being due and payable the 15th day of each month. 7. The Plaintiff has given to the Defendants written notice of intention to foreclose on said mortgage as required by law under Act 6, dated June 20th, 1995. a copy of which is marked Exhibits "0", and attached hereto and made a part hereof by reference. 8. The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated June 20th, 1995, a copy of which is marked Exhibits "E", and attached hereto and made a part hereof by reference. ReCORDATION REQUESTED BY: F-. TI1III Compeny One w... Itgh II.... Carll"', PA 17V13 WHEN RECORDED MAIL TO: Ferme,. Tru.. Compeny One w... Itgh II'HI Carll..., PA 17V13 ,;:('11,"::"< .F; .t. III.. ... ...,. ....., ..1. --- ,1 SEND TAX NOTICES TO: Robert Y. 8mlleT, Jr, end Crr.... I, Sml"y III W." MIdd..... DrI.. Carll"', PA 17V13 . '. ~r.~ 'on ',: .J!i r. .,- ,." 'rr:> n~n lr, r:i 3 Z1 SPAC!! AllOW THII L1NI! /I FOR RI!CORIII!R'8 UBI! ONly I I - '- ( - ' TliIS MORTGAGE IS DATED APRIL 16, 1992, between Robert M. SmUey, Jr, end Cryatal S. SmUey, owner(e) In lee almple, who.. eddre.. la 265 Welt Mlddleaex Drive, Carlllle, PA 17013 (relerred to below ea "Grentor"): and F8I11lIra Truat Company, who.. eddre.. Ie One Wilt High Street, Canllle, PA 17013 (relerred to below ae "Lender"). MORTGAGE GRANT OF MORTGAGE, For V.._ conelderellon, G'enlor lI'en", bergeln., ...... con'lT.. ....""., 111II....., ........ _ end mortlllllH to UncIor II 01 Gronlor'o rtghl, ll1lo, .nd In....,ln .nd 10 IhllaIlowlng dIIcribod .... property, logolher wtth .U _Ung or.ubooquonllT IIICtId or .1IIxod buildings, Il11jlfo........ .nd "'hnl; '1 .....11, Ia"",, 11II\'I, putIQII, .nd w'\'I; .. ....monll, rtghll 01 ...y, .. __, prMlogoa, lInomonll, hIrodllamonts, .nd oppurtonallClll lhereunlo belonging or .nTWIM modo oppUlllnanl hIroa"",, .nd IhI ~ .nd romalndors wtIh '-' lhereto; .1 w...., ..... righll, W.torcOUl1ll .nd dIlch rtghll (Including .,ocI< In uIIIIIIII wllh dltch orln1gallon rtghtlll; .nd .U other rtghll, lOydoa, .nd profill roIIting 10 I"" .... property, Including wtthoul imllation .. m1......., oil, gas, goolhlrmal.nd similar malloro,located In Cumbertend County, Commonwealth 01 Penneytvenla (the "Reel Property"): - ExhlbK A townehlp: Mlddle..x The Reel Property or Ita addre.. la commonly known ae 265 Wilt Mlddle..x Drive, Certllle, PA 17013. Granlor pmonlly uslgns 10 Landor .. of GrantO<'. righI, tilla, .nd In....lln .nd 10 .. ..... oIlhI Property .nd .. Ranllfrom IhI Property. In .ddltlon, Granlor gr.nlllo Lendor . Unllorm Commorclal Coda _unIT In....,ln I"" PlBol1ll Property .nd Ranll, Dl!FINITIONI, Tho followtng words .haI haw IhlloIowlng I11IInlrlgl whln UIId In Ihla Martgogo, T.ms nol othorwtlo dofIned In Ihla Mortgage lhaI haw I"" ".nJngsaltr1bulld 10 luch ..'"' In IhI Unllorm Commorclal Coda. All r.r.r.llCIIIlo dallar .mounll lhaU I11IIn .mounllln lawful monIT 01 I"" UnIlad Sla_ 01 Amartca. G,antor, Tho word "Gronlor'" I11IIns Robert Y. Smllly, Jr, end Crr.... I. Sml..y, Tho Grontorls IhI mortgagor undor IhIs Mortgaga. G_antor. Tho word "Guaronlor'" I11IIns .nd Includol wllhoul imlla~on, ..ch and .U ollhl guarontors, lurellol, .nd lC>commodation partIos In connocllon wtth I"" Indoblednou, ImproV_I., Tho word 'mplOwmonls' I11IIns .nd Includos wlthoul IImllation all mting .nd fulur. Improwmonll, lIIturaa, bUildlngl, .lrucluraa, mobile ho""" .1lIxad on IhI RaaJ Property, f.cillllos, .ddlUons .nd other conslruction on IhI RaaI Property, Indablednau. Tho word 'ndoblednou' I11IIns .. principal .nd In....t plyabll undor IhI Nolto .nd .ny .mounls .'POndad or .dvonood by Landor 10 dlscharga obligation. 01 Gronlor or IXpIIIlS4lS Incurr.d by l.ndor 10 .nlon:o obligations 01 Grantor undor Ihll Mortgalll, logoIhIr wllh Inl_1 on luch .mounls al provtdod In lhis Mortgaga, landar. Tho word 'tinder' I11IIns Farl11lB Trusl Comp.ny, lis IllCC8SIors Ind .uJgns, Tho Landor Is IhI mortglg.. undor Ihla Mortgalll. Moftllllll, Tho word "Mortgalll' I11IIns Ihl. Mortgalll bolwoen Gr.nlor .nd l.ndor, .nd Includol Wllhout imllallon .1 .uJgnmonll .nd _unIT In...., p,ovtalons ....lIng 10 IhI PlBonal Property .nd Ranll, Nota, Tho word 'Not.' I11IInll,," promlllO'T nolto or credll .gr..monl deled Apr1l 16, 11192, In the original prIncipal lIl10unt 01 181,000,00 from Granlor 10 Landor, logolhlr wllh .U r.nawIIs 01, ext.nslons 01, rnodlfIcaUons 01, rotInanclrlgl 01, conloldaUOIlI 01, .nd lubllllutions lorlha promlllO<y nol. oragraomenl. NOTICE TO GRANTOR. THE NOll! CONTAINI A VARIAIIlE INT!RE8T RATI!. .....- Proporty. Tho wordl ""'0111I Property' I11IIn III equlpmonl, blurBS, .nd olher artlcIos 01 pnol1ll property now or hIroa,,", owned by Granlor, .nd now or "",..n" .l1ached or 11lI..d to lha RBlI Property; logelll'" wllh .. lCCIIIIons, PIlls, .nd .ddlUons 10, .. raplaoomonls OIl .nd .11 .ubslllullons lor, Iny 01 ,th.U p.llCIIIdl (Including wllhoulllmllation .U Inlurance prllCllldl .nd refunds 0 premium.) ~om .ny sail or 01 EXHIBIT P,oparty. Tho word 'Prop .-L R." P,oparty, The wordl I R.laled Docum.nl.. ThI agreements. guaranlies, IOCUI "",..n. elllllng, e.8Cul.d In R.nll, The word 'R.nll' fllIIns .11 Pl...nt Ind fuluro IInl., IIwn,,", Incomohlll'l"" royaltlos, profils, Ind olhll bonofila der1wd ~om lha Property, l 'JiJ' Illf; I I All 4'1'\ THII MORTGAGE, INa.UOING THE ASIIGNMENT OF RENTI AND nE IECURITY INT!REIT IN TIE RENTI AND PERSONAl. PROPERTY, IS GIVEN TO SECURE 11I PAYMENT OF TIlE INDEBTEDNESS AND (2) PERFORMANCE OF All OlII.IGATlONS OF GRANTOR UNDER THIS MORTGAGE AND TIlE RElATED DOCUMENTI, TIllS MORTGAGE IS GIVEN AND ACCEPTED ON TIE FlIUOWING TERMS. IT Ind thl Plnol1ll Property. Inl....1s .nd rlghls dtlscribod .bowln IhI "Gllnl 01 Mortgaga' sacIIon. n .nd Include Wllhout limitation IU promlllO<y nolll, crodIl .g_monls, loan I 01 ~ull, ...d III olher Instruments, .gr..monll .nd documonls, whllher now or MORTGAGE (Contlnu.dl Plue 2 PAVMENT AND PERFORMANCE. E.oepl I' ol,*- ploVlded In IhiI MOIlQlge, O'InlOl IhlM PlY 10 L.ndl< 1M Imounll Meured by 11111 MllIIgIge II Ihly become due, Ind IhlN Ilrlclly plflOlm 1M 01 O'lnIOl'I obligllllo", undl< IhiI MOItgege, POSSESSION AND MAINTENANCE OF THE PROPERTY. OllnlOf Ig'- Ihll GrlnlOl'I pOSSllllon Ind U1I 01 the flloperty Ihln be gOVlfned by IhI loll owing plovlllonl: Po_1IIon _ UN, UnlU In dellull, O'lnlor I1\IY IIl1\1ln In p_on Ind conlool 01 Ind ope<ll. Ind l1\II\Ig. lhe Ploperty Ind collect IhI Renl1 from the Property, Duty 10 Malnleln, Ollnlor Ihln melnllln Ih. P'op..ty In I.nenllble condillon Ind p,omplly pertOfm IlIlepll", ,epllcemenl1. Ind melntelllllCl ~top_1I1 vllue, HeunIoUa SUbalanc... The I..,", '"ll:a,doUl WI.II" ""'''',doUl lublllnce," 'dilpouJ,' ,,_.... Ind ,,,,..I.ned ,_.... u UIed In Ihll Morfgege. IhlN hive lhe IlIme ITlllIlnlngl II ..llorlh In the Comp__ EnVllonmentel RelpOnM, Compenllllon, and LllbWty Act 011980, II amended, 42 U,S,C, Section 0001, II ..q, ("CERClA'l, the Superfund Amendmenl1 and Relulhorfz:allon Act o. tllll8, Pub, L. No, w-.l99 ("SAAA'l. lhe Hu:aldoUI M.llllliI TllnapOftebon Act, 48 U.S,C, SectIon t801,.1 11II" the ReIoun:e Co/llllVlbon Ind RecOVllY Act, 48 U,S.C. Section SllOl, .I..q" or olher applicable ltete Of FedlllI 1IW1, luIeI, OIllllullbon. Idopted pUl1lUlnl to Iny 01 Ihllor1Igolng, GrlnlOlI~nll Ind wlrr.nll 10 L.nd.. Ihll: (I) Duling lhe period o. Gr.nlor'I owl1lllhlp ollhe Prope<ty, lhere hal been no U", gel1lllUon, menullclulI, IIOIlge, 1...lmenl, dlspouJ, ,_ OIlh,..tened -.. 01 .ny hu:ardo.. Wllte 01 lublllnce by Iny pll$on on, unde<, a about thl Property; (b) GranlOl has no knowledge 01, OIllUon 10 believe Ihlt there hu beln, 'JlCIIlI II plIVloully dlsctOHd 10 Ind aclInowledged by landi< In wrlllng. (I) .ny U1I, g.lIII.tion, menul.ctulI, ItOl.ge, IrMtmenl, dllpOlll, ,_.., 01 ttveellned ,_.. oI.ny heJllrdoUl Willa a lubtllnce by .ny pria OWIlIB 01 occup.nll o. the Property 01 (N) Iny eelUII 01 t",..tened Ill1gabon a cIalml o. .ny kind by .ny pII1OI1 raIIUng 10 luch ma"",: .nd (c) E.ceplll pllvioully dllClOlld 10 .nd aclInowledged by landi< In wrlUng, (I) nellher Or.nla nOl .ny tenenl, contracta, agenl Of olher .ulhorfzed UIII 01 lhe Property IhlD U1I. generlla, manuleel..., lien. IrMI, dilpose 01, 01 .-.. .ny haJIlrdoUl wula 01 lubllanoe on, undl<, Of .boul the Property .nd (N) Iny luch .ctivily IhlN be conducl.d In compliance wllh .11 .ppllcable lederal, lilia, .nd local 1IW1, regulltions .nd OfdllllllClS. Including wllhout 1Im1l1tion IhoselaWl. 'IllUlabo"" .nd OfdllllllClS delcribed .bove. GranlOl .uthom. Lander Ind III .genll 10 ani. upon the Property 10 mekl luch InlplCllonl .nd 1..11 .1 L.ndl< may deem Ipp,opriate 10 delllmlne compltenoe oIlhe Property wllh Ihls Hellon 01 the Morfg.ge, Any Inspectlonl Of 1..11 made by Lande< IhllI be 'Of Lander'I purpOlll only .nd lhaI not be cO"'trued to Clllte Iny rOlponllbltlty Of llablllly on lhe p.rl 01 landi< 10 Gr.nlOl Of 10 Iny olher pll$on, The rep_nlabons .nd WIITllnttea conlllned herein all bl..d on Ollnlor'I due diligence In Inll8ltlg.bng the Property 'a hu:ardoUl w..la. Or.nla hlllby (a)'-_ and waJ\W Iny M... claims ageln.ILandl< la Indemnity Of contr1bullon In lhe.venl GranlOf becomes IlIble 'Of clMnup a olher cosll undl< any luch IaWl, and (b) aW- to Indemnity Ind hold _ landi< allll",1 any and Ii clllms, IOSSII, llablllllao, dameges, pallll.... and ~ which landi< may dIIIcUy 01 Indlrectiy IUlllln 01 IU!fer ..ulllng from a bllllch 01 IhI. MCtIon 01 the Morflllge 01 U a COl\IIquenoe 01 any .... genaraUon, manulaclulI, .1000ge. dilpoul. -.. Of Itveetened ,_ occun1ng pria 10 Gr.nlor'l ow,*,hlp 01 In_I In the Proparty, whither 01 nol thl ..me wu a Ihould have been known 10 G,anIOl. The provillo", ollhilllCtlon 01 lhe Morfgege, Including the oblIgalton to Indemnity, lhaI luNtve the p.yment 01 theIndabtednau and the ..tiltlctlon Ind reconveyance ot lhellan ollh" Moo1g.ge and lhaI nol be ._ by Lander'I acqullltion ot .ny In.....1 In the Property. whelher by 100ectOlura 01 ol,*-, Nul_, W_, Gr.nIOl lhell not cause. conducl 01 p..mll .ny nuisance nOl commit, parmll, 01 lun.. .ny Ilr1pplng 01 01 W.lte on Of 10 lhe Property 01 any porllon 0' the Property, SpactIlcaMy wllhoul 1Im1l1tion, Grlnlor will nol IImove, a gr.nl 10 any olher Plrty the right to IImove, Iny timbar, minerals (Including 011 and Ill.), loll, gllYlll Of ,oct< producll wllhout the pliOf wlill.n con..nl 01 Landi<. RemoYaI of IIIlpfOYlmtnla. Gr.nlOl lhall nol damoll.h a remove any Improvemenll ~om lhe R..I Property wllhoul thl pr101 wrll1an cOl1llnl 01 landi<, "" a condlllon 10 the IImovel 01 any Improvements, L.ndl< l1\Iy '.qulre O,.nIOf to makl Irr.ngemenll ..tllt.clary 10 landi< to repllct luch Improvemenll wllh Improvemenll olallMII.qUlI vllue, "'-'a RighI 10 Enl.r, landi< and III .genll Ind rep,esanlltlll8l may enl.. upon the R..I Property al .. r...onebla UIl'oII 10 al1and 10 Lander'I In....lI.nd 10 lnapact the Proparty tor pUlposes o. G'anIOl'I compliance wllh lhel..ms Ind condltlonl 01 Ihls Morfgege, Com~ with Goyammantal Requlllmanla, Gr.nl... lhall p,omplly comply wllh .M laws, OIdllllllClS, .nd regulatlonl, now a _liar In aIlact, 01 aM governmentel lulhorfttea appllcabla 10 the ust 01 occ"l!.ncy ot lhe Property, GllnlOf may conlall In good IlIlh any luch law, OIdlllInoe, 01 regulltion Ind wllhhold compliance during .ny p'OctIdlng, Including app'opriataappea", 10 long .. GranlOl hal noll1led landar In writing prtor 10 doing 10 and 10 long I'. In Landl<'. loll opinion, Lander'I Inl....ts In lhe Property all nol jaopardlmd. landi< may raqulll Or.nla 10 pOll ldequal. Heulily a . luraly bond, '..Iolllbly stllltactory 10 Lend.., 10 protlCt L.nd,,'I Inl....t. Duly 10 Protecl, G,.nlor .glNt neilher 10 Iblndon nor I.... un.llendld lhe Property, G,.nIOf lhell do 1M olher ICts, In Iddlllon to thOM .cll ..I lorfh above In thll IACtlon, which ~om lhe characl.. .nd use ot tha Proptfty "" I..Ionably _..ry 10 prolecl Ind p........lhe Proparty, DUE ON SALI! - CONSENT BV lENDER. Lend.. mly, 1111. option. declara Immldillely due and p.Ylbll .11 luml lACulld by thla MllIIgIge upon the ..Ia Of lranllll, wllhoul lhe Llnd"'I priOf wnll.n consenl, 01 all a .ny plri 01 lhe R..I Property. Of .ny Inl....1 In the RelI Property, A'IaIa Of Ir.nlt... ITlllIln. the convey.nea 01 R..I Property Of any rlghl. lIt1e or Inler..llhereln; whelhl, legll or Iquilabl.: whalher voIunlary 01 Involunla/y; whelher by oulright ..Ie, deed, In.llllmenl ilia conl..cl, land conlr.cl, conl,.,1 tor deed, lM..hold Inl....1 wllh a I..m g...... lhan thlll (3) \'II", lM_tion conlllct. 01 by ..la, "&!gnmanl, Of IlInlt.. 01 any benellclllInl....1In Of to .ny IInd IrUII holding tllIa 10 the Real Property, 01 by any olher melhod 01 conveYlnce 01 RelI Property Inl....t. II any Gr.nlor Is. cOlpOl.tlon Of PlrilllBhlp, trlnsl.. 1110 Includes .ny chenge In OWf1lllh!p 01 mOfa Ihln twenty-ftve p..cenl(25'11o) oIlhe voUng IlocI< 01 plrinen;hlp Int....I1, .. lhe ca.. may be, o. Gr.nIOf, How....., Ihll option Ihll not b. ....ct..d by Lendl< II luch ....ct..l. plohlblled by tld...lllw or by Plnnl~Vlnla law, T AIlES AND LtENS, Tha loIlowlng provillon. lelalmg to lhe to.. end IIln. on the P'operty ... . Plri ollhll Morlglg., Paymenl, Gllnlor IhllI p.y whln due (Ind In III lvanl. pnOf 10 dellnqUlllcy) .M toOl, p.yroll to.., Ipeclal to.., ......menll, w.1er charg.. Ind sew.. llIIVIc. chlrg.. IaVlld Iglln.1 or on lceounl ot th. Prop..ty, Ind IhllI p.y when due .11 cIalml 'or wOlf< done on 01 lor NrVIcII IInd..ed or maleli.llurnlShld 10 lhe P'op..ly, Oranlor Ih.1I mllnllln lhe Properly hi. 01.11 lie", having priorily OVlf 01 I<IUlllo lheln_' 01 Lend.. und.. Ihl. Mortglgl, elC8pllor lhe lien 011.... end .....Imenl. nol due, Ind I.eepl II olherwlse plovided In lha 100Iowlng paragllph, RighI To Conl..t, OranlOf I1\Ir wilhhold plymenl 01 Iny te., ......menl, or clllm In connoetlon wllh I good I.llh dispute over the obligation 10 ply, 10 long .. Landlr'I Inllr.. In the Property II nol /loperdlZ8d, II I IIln .rtsal or Ia filad II a l8Iull ot nonp.ymenl, G,.nIOl lhel wllhln ftttaan (15) d.ys .lIl1lhe lien e,l... or,lt a lI.n ,. Iliad, wilhln Iln..n (151 deys In.. Granlor hel nollce 0' the filing, Heulllhe dlacherlll 01 the llan, 0111 requllled by LInder, dep"," with Lend.. ealh Of I lulllcllnl corpor.te .u'lly bond Of olher Heurily ..1I11.clory 10 Land. In In amounl lu_nl 10 dlachl'ge Ihl lien pluI Iny COIl. Ind IlIorneys' t_ Of olh.. chlrges Ihll could Iccrue II a l8Iull 01 I 'orectOlU" 01 ..Ia undl< thellan, In Iny conl8ll, Gr.nlOt Ihall dolend 1111I1 Ind Lend.. Ind shill ..1I.ty Iny IdVIISIludgmenl betor. enIOtctmenl.glln.llhe P,oparly, G,.nIOl Ih.1I nlme Lende' .. .n .dd,lional obllg.. under Iny I",.ly bond 'urni.hed In lhe conl..1 plOctldlngl, EYld.nc. 01 paym.nt. G,enlOf IhllI upon damand lurnl.h 10 Lender ..1"llclory .vidence ot p.ymenl 01 the I.... Of ......menll Ind IhllI RuthoflN the epplopnalo gov8,"manlal official to deliver to Lendor .t 8ny lime a wlllten llatemenl 01 the talBS Bnd .,""ments agalnll the Propelty, I r ~ MORTGAGE (Continued) Pelll 3 IIolIce 01 Con8lruclIon. Glant","hal noUIy Landor .1....1 ftna.n (15) days before.ny wort< II commenced, .ny..w.a "'loo1IIhad, '" Iny malarlall.,. lupplied 10 IhI Proparly, II .ny mechanic'l IIan, malerialmon" IIan, '" oIher IIan could ba UIIf1ed on account 01 the wort<, -, '" malarlall .nd IhI cosllllCMdl 15,000,00, Gr.nt", wII upon .-q_1 01 Landor IumIIh to Landor .dvance IUUflII1C8I ..tIItactary to landi< thai GIani", can .nd win pay thl cosl oIluch ImprOVllmenls. PROPERTY DAMAGE INIlURANet:, The loll owing p,oVlslons rollUng 10 Insuring thl Proparty .,. . pll1 oIUlIa MOf1gage. llalnl_ 01 Inau,anca. Gr.nl", lhal procUfll .nd malnlaln pollc:loa 01 nr. Insurance wllh llandlld mlndad co....ge.ndorumenlo on I raplacemenl bull I", tha lull Insurable value cowrtng .. ImprOVllmonls on IhI RaaI Proparly In .n .mount lu_nllo .vold appllca'on 01 Iny coinsur.nce c1aUM, .nd with. llandlld mortgagae c1aUM In I.v", 01 Landor, PoIIc:loa lhaI ba wr1l1en by luch InsUfllnce campa'" .nd In luch I",m u may ba '..Ionably .cceplable 10 landi<. Gl.nlor lhaI ........ 10 Landor oer1IlIca* 01 cownIge from IICh Insurw contaJnlng . Itlpula'on thai co....ge wII nol ba ca_ '" d1minllhad WIthout. minimum 01 tan (10) days' prl'" wr1l1en notice 10 landi<. Should lhe RIal Proparty II .ny 'me bacome localed In .n 11M dlllgnaled by thl onct", 0I1h1 F-.J Enwgoncy Management Agency u . apedaJ ftood hazard 11M, Granl", .g... to oblaln .nd malnlaln F-.J Flood Insurance, 10 IhI _I luch Insurance I1l8quired .nd II '" baco",. .vaJlabla, I", lhe Iarm oIlhe lOIn .nd '''' lhe fuI unpaid principal balanoo 01 thlloan, '" IhI mulmum ImIt 01 cownIge lhal Is .valable, whIc'-II...., Applkllllool of PI_a. Gl.nt", shaD promptly notily landi< 01 .ny 1011 '" damallll to thl Proparly 1I1h1 ..malad COlt 01 rapa.Ir '" raplacemonl ...-ds 1liOO.llO. Landor may malll proof 011011 " GIant", .... 10 do 10 wtIhIn fIllMn (15) days oIlhe casuaJly, WheIhar '" not Landar'a MCUr1ty Is IrnpaQd, Landor may, .1 lis oIoctlon, apply IhI PfOC*CIs 10 IhI ....uctlon oIlh1lndablld..., p.ymenl 01 .ny IIan .llKllng IhI Proparty, or thl...t",.tion .nd rapaJr oIlhe Proparly, II Landor aIacls 10 apply thl ",caedllo ..Ioration .nd rapa~, GIant"'..... rapa.Ir '" rapIace thl damaged '" daltroyad Impro..menls In . manlW ..1II1actory 10 Landor. Landor shal, upon ..tII,actary ",001 01 such axpandIt..., pay '" ...mb.... Gl.nt", from lhe ",oceads '''' IhI reasonable COlI 01 rapaJr '" _tIon " GIani", II noIln _un hireunder, Atrr prOOIIds which hi.. noI baen dlsbursed WIthin 180 days.1Iar lhair ....,I.nd which Lander hu noI committed to lhe rapa.Ir '" ..Ioratlon 0I1h1 Proparty lhaI ba UMd mllo p.y .ny .mounl owing 10 Landor undor IhIs Mor1gago, Ihln 10 prapay accruad Inl_t, .nd IhI ramalnder, " .ny, ..... ba applied to IhI principal b.lance 01 thllndablednass, II Llndl< holdl .ny p'oceods .n. paymenlln lun 01 IhIIndabladneu, luch prcaedl lhan ba paid to Gl.nt",. lnlllp.," In_ a1lla1a. Any unexplrad Insur.nce lhal Inura 10 thl baneftl 01, .nd p." to, thl purchaSll 01 thl Proparly COYIled by this Morlgallll.t.ny lruslee's uIo '" olher uIo hIId undor IhI provisions 01 this Morlgallll, '" .I.ny loraclosura ..Ie olluch Proparly. EXPENDITURES BY I.EIIDER. II GIani", .... 10 comply with .ny p,oVlslon 01 this Mor1gage. '" n .ny action", p,oceodlng II commenced that woutd malar1dy .lIIct Landar'a In"'lI In IhI Proparty, Landor on Glanlor'a bahaIf may, but shal nol ba .-qulrad 10, Iak. .ny action lhal Landar diems appropriala. Atrr amount that Landor _nds In 10 doing wII boar In_I .1 thl ,.la charged undor the Hole from thl clala Incll1ed '" paid by Lander 10 IhI dlla 01 rapaymenl by GIant"" M luch _nsos,.1 Landor'l op.on, wII (.) ba payabla on domand, (b) ba .ddad 10 Iht balance 0I1h1 Nolo .nd ba appa1Ionod .mong .nd ba payabla wllh .ny Inslallmont paymenll 10 bacome dill during a1ther (I) lhe \arm 01 .ny appIcabIe IllIUrInoo policy '" (I) thl rwnaInlng Iann 01 the Hole, '" (c) ba lraalad u . baIOon payment which wII ba due .nd payable .llhe Nolo.. matwtly, ThII Mor1gago also wII ...... paymenl 011... .mounll, The rlghls provldad '''' In IhIs paragraph shal ba In .dditlon 10 .ny oIher rights '" .ny ramodIoI 10 which Landor mey ba .ntillad on oor:ounl 0I1h1 doIsun, Any such .ction by landi< lhaI not ba conslruod u curing thl _U111O u 10 bar Landor from.ny ramody Ihtl " oIh1rw1u would hi.. had, WARRANTY, DEFENSE OF TITLE. Tho 'oIlowlng p,oVlslons ,oIIting 10 ownorshlp 01 thl Proparly .,. . pll1 0I1h1s Mor1gallll, 11\11, Glint", WIIT.nll lhal: (.) GIant", holdl good .nd mar1<.lable tilll 01 ,oe",d to thl Proparly In ... IImple, Irao .nd clair 01.. lions .nd .ncumbrll1C8l olher lhan Ihoso sot forth In thl RIal Proparly doIcr1pllon '" In .ny tilll Insur.nce policy, tI1lo raport, '" ftnal .1lI opinion Illuod In lovor 01. .nd _lid by, Landor In connection with this Mortgage, .nd (b) Grlnl", hu thl luI right, pOWll, .nd .uthor1ty to lXICula.nd........ this Morlgalllllo Landor, DIIInII 01 TIlII, Subjoct to lhe _tion In IhI par.graph .bOVl, Gl.nt", wI",nll .nd will 'ora_ dofond IhI tilll 10 IhI Proparty ogoInst IhI lawful cIoIrns 01 .. porsons, In thl_nt .ny action", prOC8ldlng Is commonced lhat q_tions Glanter's tI1lo '" lhe In_I 01 Landor under IhIs MortgagI, GIant", lhaI doIond thl action .1 Gllnler'1 IIptInso, GIant", may ba lhe nominal party In luch prcaodlng, but Landor sholl ba onl1lad to par1IcIpola In thl prcaodlng .nd 10 ba rap....nl.d In thl.p'oceodlng by counsol 01 Landar'a own cholco, .nd GIant", wII ........, '" cousolo ba dalI-.d, to Landar such Ins!rumenll .1 Landor may .-qUMI from time 10 time 10 parmllluch par1IcIpotion, CO-r"- ICI W"" a.-a. GIant", WIITInll thai IhI Proporty Ind Gr.nter'1 UII 0I1h1 Proparly compllol wllh .. .....ng appllcabla laws, ",dlnal1C8l, .nd ragulations 01 gO\Wnmenlal.uthDr1llo1, CONDEMNATION, The loIlowlng proVlslons 'oIating 10 condemnation olthl Proparly.ra. p.rI 0I1h1s Mortgage, Applklllon 01 NIl Procood.. II" '" .ny pari ollhl Proparly Is condemned by .mlnenl domaln proceodlngs '" by .ny p'OC8IdIng '" pun:ha.. In Iiou 01 condomnaUon, Landor may .1 Its oIoction ,equllllhal .U '" .ny portion ollhl nel proceodl ollhl.w.rd ba .ppUod 10 Ihllndablldnou '" thl 'opllr '" ,"I",.lIon oItha Proparly, Tho nel prllClldl ollhl .w.rd lhall moan lha Iw.rd In", p.ymonl 01 .U lc1uo1 cosll, ___, Ind lti"'neys'... '" Landor In connection with thl condemnation. Proceedlngo. II .ny p,oceodlng In condemnation Is "lad, Gr.ntor lhaU p,ompny notily Landolln writing, .nd Gront", shal promptly Ia,," luch ltopS u may ba .-.ery 10 dlfend thl.ction .nd ablaln thl Iward, Gr.nl'" may ba thl nominal party In such p,oceodlng, but Lander lhaI b. .ntitlad 10 p.r1IcIpllo In IhI prOCllding .nd 10 ba roprlSlnl.d In IhI p,oceodlng by counsol 01111 own cholco, .nd Gronl", wltI doII_ '" cauuto ba doli-.d to Landor luch Ins!rumonts .1 may ba raqueslod by II kom time to limo 10 parmit luch par1lcipation, IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AlITltORITIES, The loIIowlng proVlslons roIating to govornmenlal.....,.... .nd charges .ra . pll1 ollhls Mortgallll: CUrrent T...., FII. ond Charlll., Upon roqUMt by Londl<, Gr.nt", ahal llIlICulo luch documents In .ddlllon 10 this Mor1gage .nd lake whalo_ olher .ction Is roqUlSIad by Lendor 10 parfoct Ind conlinue Landor's lion on IhI RaaI Proparly. G,.nl", shal ,oimbUl'1lLander 'or .n lull, .1 dlscribed balow, logothor wllh .n .xponsoslncun.d In roc"'dlng, por1octIng '" con'nulng this Mor1gallll, Including without'mIIa'on IU lull, ,_, documonlary llampl, .nd olhor chargll '''' 'ocordlng '" roglslor1ng Ihls Mor1gallll. TU... Tho following shal conltitul. ..... 10 which Ihls IICtion sppUos: (.). spodftc Iu upon Ihts typo 01 Mortgalll '" upon .. '" .ny psr1 01 IhllndobladnessllCured by Ihls Mortglgo; (b) I lpedllc Iu on Gr.nl", which Grlnl", Is .ulhorllld '" '"'lulled 10 daduct kom paymonls on IhI Indebt.dness lICurod by Ihlslyp. 01 Mor1gsge: (c). Iu on thlslyp. 01 Mortg.1llI chargeable .galnstlhlLandor '" IhI holdor ollhl Nota: Ind (d). apoclllc lax on .n '" .ny portion ollha Indeblodnesl '" on psymonls 01 prlndpll.nd In_t made by Gronl",. Subllqu.nt TIllII. II .ny lax 10 which Ihll IICll0n .ppllolls .nacted SUbaoquenllo thl dalo 01 this Mor1gallll, Ihls ...nl lhaI haVlthl ..mo ."oct .1 In e..nl 01 Oollull (II d.nned below), Ind Lond.. may o..ciso .ny '" II ollis .vaDable 11_ lor .n e..nl 01 De'lult ., provided below unl..s Grlnlor ollhor (.) plys lha I.. boloro II bocom.. dellnquenl, '" (b) conl..ts Ihllax .1 provid.d abo.. In IhI T..II Ind Llanl ..chon .nd dep",,11 wllh L.ndl< calh '" a lulllcl8nl corporslo luroty bond", olhor lICunly ..UII.clary 10 L.nder, MORTGAGE (ConUnuld) Plge 4 SECURITY AGREEMENT; FINANCING STATEMENTS, ThIIloIIowlng prolllllon. rollhng 10 1111I Mor1golll II I "",urlly Ig_monllrl I pori oIlhl. MorlgIgo. lIecurtly Agreemenl. ThI.I",llumonl.holl cO"'tilull I MCur1ly Ig_monl to IhI Ill1Inl Iny ollhl Property con.lilul.. blul" or olher peBOnll property, Ind lander .hoU hllII IU oIlh1'lghls all "",..ed plrty under IhI Unllorm Comnwclll Cadi II lmondld from limo 10 timo. lIecurtly Int,,"eI, Upon rlqUllt by linder, Gllnlor .hIIllXICull ftnancing .lIllmenls Ind IIkl whlll_ other Iction Is f8qUIIIId by lander to perfKt Ind continul llnW. ""'U<tly Int_t In thl Ranis Ind ~ Property, In Iddltion 10 recording thIs Mor1gogo In the reoJ property ,ecord., llnder may, II Iny timo Ind wilhout I..ther lulhorizetion 110m Gllnlor, IIIIlXICuled count""Ir11, cople1 or reproductlo", oi thl. Morlglge II I ftnlnclng .lIllmont. Gllnlor .hoU ,elmburw lander lor IU """In... Incurred In pertecting or continuing thIs 1ICur1ty In_t. Upon dlflutl, Grlnlor .hoU I",mblllhl "-'0111I Property In I man,,", Ind III pllce ..lIonlbly conlllnllnllo Gllnlor Ind llnder Ind makl II IVllllblllo llnder wllhln 11v.. (3) clIVllner ,1CeIp1 01 wr1nln dlmand from lander, Add,"_", Tho mlllrng Iddr_ 01 Gllnlor (dablor) Ind llnder (lICu,"d plrtyl, from which Inlormation concerning IhI MCur1ly Inter..1 grenlld by IhI1 Mor1glg1 mey bl oblllned (..ch ",,"qulred by IhI Unllorm Commerctal Cadi), Irl II .1I1ed on Ihl ftret plgo ollhl1 Morlglgl. FURTlER ASSURANCES; ATTOnNEY-IN~ACT, Tholollowlng prolllllOlll rellting 10 lur1her l"U'"1lClII Ind Inorney-ln-Ilcl Ire I pori of Ihl. Mor1\;1go, Further ~rIlllClI. At Iny limo, Ind from timolo limo, upon ,eq_1 01 lander, Grlntor will makl, Ilecull Ind deliY8t, or wIU ca... 10 bl made, IXICUIed or dellY8t8d, 10 lander or 10 lander'1 dIIIg_, Ind when oeq....1Id by lander, ca... to be ftlld, recorded, relIIed, or rerecorded, II IhI ca.. mey be, II .uch times Ind In .uch """* Ind places II lander may deem approprllll, Iny Ind IU .uch mortgogn, -. 01 trusl, ucunly _, _unly Igr..menls, ftlllncing 'lalements, conUnulbon alalemonls, In.trumonls oIlurther "","nee, C*1IbIes, Ind oIher documonl. "' mey, In IhI .... opinion 01 lander, be -rr or _Ibll In order 10 lIIecfUlII, compllll, peMct, continlll, or p~ (a) IhI obligallo", 01 Glanlor under thl Nola, Ih" Mortgage, Ind thl _led Oocumonls, Ind (b) IhI IlIn. Ind 1ICur1ty In_Is cr..1ed by this fAor1gog1 II fillllnd pnor IlIns on thl Property, whelher now owned or _nlf acquired by Grlntor, Unllu p,ohlblled by IIw or agreed 10 IhI conlrlry by llndlt In wntlng, Gllntor 'hlU 'elmbUIW lander lor aU cosls Ind l'Pln... Incurrld In connec1lon wilh thl mann referred to In 1111I plrlgrlph, A"omllY-ln~llCl. II Grlnlor 1111. 10 do Iny 01 IhIIhlng. referred 10 In lhe preceding pIIIgrlph, llndlf II18Y do 10 lor Ind In Ihllllme 01 Granlor Ind II Grlntor'l I"""n.., For luch purpO$ll, Grlnlor hereby IrrlvOCIbly 'ppolnts llndlf II Gllnlor'a Inorney-ln-Iact lor IhI purpose 01 making, IklCUting, dellY111ng, flUng, recording, Ind dolng III olher Ihlngl II may bl neces..ry or d..lrlble, In landlr'1 lole opinion, 10 1CC0mpllah IhI man... referred 10 In IhI p'lICIdlng parlgraph, F\lJ. PERFORMANCE, II Gllnlor P'Y' aa lholndabled..... whln dill, Ind olherwl51 pertorml IU IhI obligation. Imposed upon Grlnlor under Ihl. Mo/tgIgI, lander ohll IlllICull .nd d8lI1/1f 10 G,"nlor a .ullabll ..liIflC1lon 01 thIs MorlgIge Ind ,ullable slallmenls ollermlllltion 01 Iny ftnlncing .lalemenl on No Ivldencing lander'. MCur1ly In_t In IhI Rlnls Ind thl PlBol1ll Property, Grlnlor wlU PlY, II permlnld by appttcabll IIw, Iny IIIIOnable ....mlnlllon ... "' dlletmlned by lander from timolo timo. OEFAlI.T. Eech oIlh1lo11owlng, .llhI option allInder, shoU co",U1ull In IlIInl 01 del.ull ("Elllnl 01 Oll.ull") undlf Ihl. Mor1gogl: DeIeuIl on Indeblednell, FaUurl 01 G'lnlor to makl Iny payment whln due on IhllnOeblednes., DelIUlI on OIlIer peymenl., FoJlure 01 Grlnlor wllhln Ihlllme ,"qulred by thl. Mor1glg1 10 makl any p.ymenllor lilt.. or Inlurence, or Iny oIher plymenl_..ry 10 prllllnl ftllng 01 or 10 effecl dlochor\ll of Iny IlIn. CompIlIncI DeI..It, FllluII 10 comply wilh Iny olher Ilfm, obligation, COllllllnl or condllion conlalned In thl. Mor1glgl, lhe Noll or In Iny 0I1h1 _led Documenl1, IIftKhee, Any wlrranly, lopr...nllUon or slallmonl made or lurnl.hed to lender by or on behlll 01 Grlnlor under thl. Mor1glge, thl Noll or IhI _tld Documenlsl., or Illhlllme made or lurnlsheO WII, 'II.. In Iny malerlll ,espect. In....vency, Tholn.oIl11ncy 01 Grlnlor, appointment all __ for Iny plrt 01 Ollnlor'a property, any I..ignmenllor the benelll 01 cndllOt1, thl commencemenl of Iny pr~ng under Iny blnkruplcy or I"'ollllncy IIW1 by or 11II1n.1 Grantor, or IhI dl..oIulion or termination 01 Grlntor'a llliIllnce "' I golng bUllneu (II Grlntor " I bullneu). EJcoepI to thllltlnl p,ohlbllld by 11""'"1 IIw or Pennsylvonll law, IhI deelh 01 Grlntor (If Gllnlor " an Indlvlduallatso sholl con.tilull In Elllnl 01 OIIIUIl under Ihl. Mor1golll, FClfICIoIln. lie. Commencemenl olloreclosUII, whllher by Judlcill proceeding, &Ill-help, ,op.....,lon or Iny other melhod, by eny cndIlor of Gllnlor egaln.1 Iny ollhe Property, How.Y8t, Ih" .ubucllon .hlll nolapply In thlllllnl oil good IllIh dlopull by Grlnlor II 10 IhI YIlIdlly or ,...onabllneu ollhl clllm which I. IhI bill. 01 IhIloreclosUlI, plovldld lhel Oranlor gllllllln"'" wr1l1ln nollce 01 such claim Ind lurn"hII ,__ or. .urlly bond lor IhI claim ..llIllclory to lInder, erellCh 01 Dlhar AIlI'Hmonl. Any brllch by Grlnlor undll Ihllllm. oll"y olhll Igreemenl b.lw..n GllntOf InO llnder Ihll " nol ramedled wllhln Iny gr.ce plflod provlOed Ihlleln, IncluOlng wllhoul "rMllslron Iny Igreemlnt co"c81nlng Iny I"O.blldl18l' or other obliglllon 01 GllnlOl 10 linder, whllher ekl.ting now or IItlt, Evenll AIIIc"ng Guerll1lor. Any ollhl pleceding evenl. occur. wrth '"pecllo .ny OUlflnlOf 01 Iny 01 IhIIndlbtedlllll or .uch GUlrlnlor dill or becomes Incompll.nt. RIGHTS AND REMEDIES ON DEFA\1.T, Upon lhe occurrence ol.ny Evenl 01 Oll.ull.nd II .ny time Ihllllnll,llndlf, 1111. option, may 1klItC15I Iny one or more ullhllollowlng rlghl. Ind llmedl.., In adOlllon to Iny olher ,Ighl. Of r.medl8l provldld by IIw: Auillrete Indebtednl.., SubJecllo epplrcable law, lendll shall hive IhI IIghl .111. option w,lhoul nollce 10 Grlnlor 10 _lire IhI Inllre Indeblld_.lmmeOlllely due and p.yable, UCC RItllIdI.., With relllllCllo III or Iny pa,1 ollhe Per.on.1 Propeoty, lendll .hlll helll IU lhe rtght. Ind remedill 01 I MCu,ed por1y under IhI Unllorm Commltclll Code, Collect Rlnl., landl! ,hlN hlvalhl rtghl, wllhoul nollce 10 G,."tor, 10 IIkl po"",,lon ollhl Proplfly .nd collect thl Ran", Inciudlng Imounl1 pilI due Ind unplld. and Ipply IhI nel proceed., OY8l and Ibolll t.ender'a cOIls, Igaln.llhltndeblldneu, In lurlherlnce ollhl. rtghl, lander may requlll any lelll'" 01 olhll UIII 01 the P'operly 10 /fIakl paymenls 01 renl or uIII_ OlrlClly to lInder, 1I1h1 Ranis "'" collec1ld by lander, lhen G,"nlor 1,,"vOCIbly dllignal.. llndlf a. Gr.nIOl's aIlOfney-<,,-lacl 10 .ndor.. Instrumo"l. ,ecellIIllln p.ymanl IhII... In Ihllllme 01 O'lnlOl Ind 10 negolralllhl..me and collecllhl proceed. P.ymonl. by lelllnl. 01 olher u.... 10 lander In ,..pon.. 10 llnder'a demand .hllI ..Ii.ty lhe obllge'lDnL '01' whk:h lhl p.yrnenllll. made. whelh8f Of nol any prop., groundl 'or the d8fT\llld Wltltll:. lender may .xerctH II' nghls und8f thl'lubpIISQ'lph ollhfM III p8~on, by Buellt, nr lIuough. f8C9tV8f. Appoint n'cllver. lont18f .han hlVllhe f1Qhlla hive a IOCOIV8f appOinted to 1.".pO"8551011 of III or any Pl't of the Property, wllh IhI pOW" to proloclanrt IJlDHfVIIlhO PlOpBfty. ta op8f8telhe Propefly plocedlflQ IOfOCloSUID 01' \119. Bnd to colkw;l thl nonll '10m lhe PfopDltV and .pplV the plocoodl, Dvm and uhuvo tho cOil 01 Ihe I9CDIVO,\hIP, BUllIl,1 Ihe Indebledno!ol. The 1800IVOI mav "'VB Wllhoul bond II p8fm1tled bV laW, f':i; lllr:! " ,~'" MORTGAGE (ConUnuld) Plge 6 Len__ righl 10 lhe oppolnlmenl of I r__ IhIIlJdIl whel,. or noIlhe _nl \11I11I of lhe Proporty __ lhe Indollted,.. by I lubl"nlilllmounl, Employmenl by Lende< IhII nol dilqUIIIIy I ~ from III\o1ng II I _, JucllcIIl Fcnclooure, Lende< moy ob..ln I JudlcllJ _,cnclOIlng Grlnlor'l In"'lln II or Iny pari of lhe Proporty, ~uIon oIl1le PropIfly, For lhe PUIJlOll of procu~ng p......... oIlhe Prllplf1y, Grlnlor heroby luthor1ms Ind ImpOW*1lny 11Iomoy 01 Iny court 01 record In lhe Common_Uh 01 Pannsvtvonll or _'*-, U 11Iomoy lor Lende< Ind II perIOI1I cIoJmlng unde< or Ihrough Lende<, 10 IIgn In Igreemenllor Inlel1ng In Iny compol9nt court In IrnIcIblIlC1Ion In IjIctmenllor p_on 01 the Proporty Ind to OPpell lor Ind con'-'Judgmenllgolnsl Gllnlor, Ind 19o1nslll perIOI1I cIoJmlng undlr or Itvough Grlnlor, for lhe IICO\W)' by Lende< 01 p...-.lon oIlhe Prllplf1y, wtIhout Iny Illy 01 U8CUIIon, lor which IhIs Mor1gaQl, or I copy of IhIs MorIgoQl ..nlIId by ""'cllvtl, Ihll bo I lulllcllnl wllllnl; Ind I,*-upon I Wril 01 p_on moy bo ISlued IOOhwllh, wllhoullny p!1or Writ or prOOMding whltsOl_, Nonjudlcllllllle, II permlllod by oppllclble "w, Lendo< I11IY lorodllll Grlnlor'l In"'lln II or In Iny PI~ ollhe PerlolIIl Prllplf1y or lhe RIll Proporty by nonjudlclll ..Ie, 0I11c11ncy Judllllllnl. Lender moy obllln . Judgmenllor Iny ~ llmolnlng In lhe Indolllld... dill 10 Lande< """ oppllclUon 01 IU Imounll '*lIlwd ~om lhe ..&reill ollhe rights pro\lldld In IhilllCtlon. Tonency II 8ullwllllClt, II I3ronlor Ilmo1.. In p_on oIlhe Proporty I"", lhe Prllplf1y ts IllId II provtdld lboVl or LAnde< oIherWt11 baco.... In_ 10 pOI_on oIlhe Prllplf1y upon doIlU11 01 Gllnlor, Grlnlor Ihll bacolllll "lIInlll IU,,","nce of LAnde< or lhe pure_ 01 the Proporty Ind lhaI, II LAnder'1 opUon, III,. (I) poy I ....onlblo ,..,\01 for lhe UBI oIlhe Proporty, or (b) VlCI" lhe Proporty Immedlellly upon lhe dlmond 01 Lende<. 0lhIr ~.. Lander IhlH hlVl11 01,. righlllnd Ilmodl11 provtdld In IhIt Mortgogo or lho No" or IVlHable IllIw or In oqUlIy. lIIIe oIl1le PropIfty, To lhe eldInl pormillod by oppllclble Ie", Granlor heroby w~ Iny Ind II righllo hlVllhe proporty mmhelld, In IIlIrCiIlng III righlllnd r.modiea, LAnde< IhlH bo ". 10 11II II or Iny po~ ollhe Proporty logeI" or IIplllllly, In 011111Io or by _"ie ..... LandIr Ihll bo Inllttod 10 bid Illny public ..Ie on II or Iny porllon ollhe Proporty. Nollc. oIl111e, Lende< IhlU glllll Grlnlor rlllolllble nob ollhe Umo Ind pllce oIlny public ..Ie 01 the f'lQolIIl Prllplf1y or of lhe tilllll"", which Iny pr1vl.. 11Io or olher In"ndld dllposlllon of lhe PerIonol Prop&rty Is 10 bo 111Id1, UnIIss olhofwtse roqulrod by oppllclble IIw, IIIIOnlble noliCllhll .....n nob given 11....llIn (10) cIIrs bllCllllhe UIIlI ollhe 1111 or dllposlUon, Wllv..; EIIctlon of Remod.... A wol_ by Iny party 011 brueh 011 pro\llslon ollhia MorIgoQl lhoIl nol consmu.. . wli\w 01 or prejudice lhe porty'l righll oIhorwt11lo dlmond IIrict compllonce wllh Ihll provision or Iny 01,. provtslon, ElIcIlon by LAndo< 10 pursllllny moody lheI nol lIlCIudl pursUIt oIlny 01,. llmody, Ind In lIectIon 10 I11IkllllljllndJl.... or "kllCtion 10 porfonn In obllgotion 01 Grlnlor unde< IhIt Mor1gIgo I,,", foil... 01 Grlnlor 10 porform shll nollfllc1Lencllr'l righllo dIclInI. dlllUIt Ind _lIIl1modiea undo< this Mor1gIQI. AItomIr.' FMI; EIpIn8e.. lllende< lnatilullllny lUll or ICtion 10 enforce Iny ollhe IInna oIlhIt Mortgogo, Lende< IhII bo enlltlld 10 ...,_ luch lum U lhe court moy IdJudgo ....onIbll U .1I0m0rs' _ II IrioIlnd on Iny OPJlllI. Whether or not Iny court action IIlnllllhlwd, II IIIIOI1IbII ~ IncUlTld by LendIr thllln LendIr'a opinion... -rv Illny time lor lho prollcllon 01 III In....1 or lhe ..'11........1 01 III rights IhII bacomo I pari 01 tholndobted_ plYlble on del11lnd Ind lheI boIr In....I!rom lhe cII.. 01 erpendlt... unlll ropoId .1 tho Noll 1I1e. EJope... c..- by lhis porogllflh Include, wllhoul HmlIItion, h_ lubject 10 Iny ImIII under oppllcable "w, LendIr'I.IlomIya' ,.. Ind IogoJ ~ whel,. or noli'*- Is I lIW1utt, Including 11IlIn1I)'I' ,.. for bankruptcy p~nga QncludJng IIforta 10 modify or WlC&II .ny Iulomollc ""y or InJunction), oppeolalnd Iny Intlclplted pOlI-Judgmenl eolllCtion ..w., lhe COIl 01 IMIChlng _ell, oblolnlng tiIlI 1Ip0l'tll (Including fcnclOlUII ropOl'tll), lurvayOl'1' 1Ip000000, .nd opprallll _, Ind 11III InsUllnce, 10 lho oxtenl pormI1lod by opplloIbIe II", Grlnlor ilia will poy Iny court cOIls, In Iddltlon 10 III 01,. IUms provtdld by II". NOTICEI TO GRANTOR AND OllER PARTIES. U..... olhorwtll pro\lldld by oppUcabll IIw, Iny nob unde< Ihls Mortgogo IhII bo In Wrilng Ind IhII bo IIfKlIve whon ocIUlly doli_ or, IIl111i11d, IhIII bo doomod IIfKlIve when depOllted In the United Stotea moll tnl cIut, rogIsIIIM moll. p..,"", propaId, dirocIed 10 the Idens.. Iho"n '*' lho blglnnlng oIlh1t MOOgoQl, Any porty I11IY chi"", Its Iddllu lor noIIcII undlr IhIs Mortgogo by glvtng IClIII1II wriltln notice 10 lhe 01,. plrtllo, IpICllylng Ihlllhe PUlJlOll ollho nob Is 10 chi"", the PIrty'1 .ddllu, AI coploa 01 nollcll oIlcnclOIUII!rom lhe holde< of .ny lion which hll p~or1ty 0_ IhIs Mor1gIQI IhIII bo IInllo LAnWI Iddress, U Ihown '*' lhe boginnlng ollhis Mortgage. For noliCl pUIJlOllS, Gllnlor Ig_lo keop LAndo< Inlllll1lld 1111I ti.... of Grlnlor'l curronllddlllS. 1111"'" I &NE0U8 PROVIIIONI, The folowtng mIscIlIIl1IOUS provisions 11I1 pl~ ollhls Mor1QIQI: Am."dmlllll. ThIs Mor1gIQI, logeI" wllh .ny Rallied Oocullllnls, cOl'1llllulls lho .ntire undlB"ndJng Ind Igreellllnl ollhe portial U 10 lhe 1111""'- III fOOh In IhIs Mor1gIge. No _Ition 01 or lmondmonllo IhIs MOOgoQl IhII bo _VI unllss gllllln In Writing Ind algnod by lhe porty or pII1Ies lOughllo bo charged or bound by lhe 11I..llIon or IlIlIndmonl. AppIIcIble loR. TIlII MorlQllll hII bien d11lvlNd 10 L.ndI1 and ICCIptld by Lender In lho Commonwleltll of Plnneylvlllll, TIll. MorlQllll .....1 be governed by and conllruld In accordance wllh thlllWl ollhl Commonwllllh 01 PanneylvllllI. Clpllon HNdlngo. Capllon holding, In Ihls Mor1gogo .r. lor eonVlnlence pUIJlOSll only Ind .11 nol 10 bo UIId 10 Interplll or dIlIl1I lhe provisions oIlhia MOOglgl, Mergor. Tl1Ire IhllI b. no Il1IIgor of lho Inl8l8S1 or ..III. ClIII.d by Ihls Mor1glg. "lth .ny olher Inl....1 or ....Ie In lhe Prllplf1y Illny 11111I herd by or lor lhe b.nefil 01 Lend.. In Iny caplclty, Wllhoulll18 wrillen conllnl 01 L.ndor. lIulllple PII1IeI. All oblig.,lonl 01 Gr.nlor undor Ihll MortglQl lhll bo 100nl Ind "_II, Ind IU r."""11C8I 10 Grlnlor IhlV ....n lOCh .nd IVII)' Grlnlor, TIlII """'nllhllllch ollhe pllBonl lignlng b8l0w Is responsible lor III obIlgIUO" In Ihls MOOg.g.. ..ver.blllly, II. cou~ 01 compolenl JUr1sdlcllon nnd, Iny pro\llslon of Ihls MOOgoQl 10 balnVlld or ul1lnlOl'l:llble U 10 Iny _n or clIcumsllnce, luch finding shiH nol rlndlllhll provtslon Invllld or ul1lnlOl'l:llbll II 10 Iny 01,. _ns or clIcUms"l1C8I, II r.ulbll, .ny luch ollendlng provtslon shill b. doomod 10 bo modlllod 10 bo wllhln lhe IImllI ollnlorCllblU1y or VIlIdJty; howe_,II lho olllndJng provision Clnnol b. 10 modillld, Illhll bo 11rtcl<.n Ind II olher provtslons ollhls MOOgaQl In IV 01,. rlIIpICts IhlllllmoIn VIIId Ind enlOl'l:llble, luccl....... and Alllgnl, Subject 10 lhe Ilm/"lIons 11I1.d In Ihls MOOgoQl on Irlnsler of Gllnlor'l Inl_I, lhia Mor1gIQI IhIII bo binding upon Ind Inulllo lho blnenl ollhe plrtils, lherr hoIrs, pIIIo""1 repr8Slnl&lIves, sUCC8SIOl'1lnd Uligns, II owl*lhlp ollhe Proporty baco.... _ted In. pllBon olher Ihln Gr.nlor, Llndor, wllhoul nollel 10 Gl.nlor, I11IY dool Wllh Grlnlor'l IUCC8SIOl'1 wllh IIlerlnce 10 IhIs Mor1gIQI Ind lhe Ind8bl.dl1Ml by wlY 01 lorbllr.nce or .xl.nllon wlthoul r_ling Gr.nlor ~om lhe obllgotions 01 IhIs MOOgoQl or IIoblHty unde< lhe Ind8bl.dlllSS, lOr. 1. I) ') 2 Tlmll. ollho EIMnc.. TIIIlIII ollhe ....ne.ln Ih. p.rtorm.nce ollhia MortglQl, hllOr.. I t 1,[[ 1':".. Wllverl and Con..nll, L.ndor shill nol be d..med 10 hlv. wllved .ny righll under Ihls Mor1g.g. (or und.r 1118 n8l81.d Oocullllnls) unless such wllv.r II In wnllng .nd lIgn.d by L.nder, No d.'IY or omllslon on 1118 PI~ 01 L.nder In .xorclslng .ny rlghl Ihlll operll. .. I wllver 01 luch rig hi or .ny olher rlghl. A wllver bV eny P."V 01 . prOVIsion ollhls Mortgeg. lhlll nol eonslllule . welver 01 or prejudice 1118 party'1 nghl EXHIBIT A Borrow...: RobIrt II, Bmlley, Jr, ery.... I, Bmlley IU W... Mlddle_ Ill1vI c.tleIe, PA 17013 LInder: Ferman Trull COrnpeny MaIn 0IlIce 0lllI Well .... IIIMI CerlIeIe, PA 1701~ 110ft d*d Aprl11' 1112, nI eaculed In TIlle I!IhIbIl A II Illeched 10 end by W. .....~~lW.1*1 r.= =. ~CIt nI ~'II, &milly, Jr..dd ery.... l,lImlIIY. cor.lICllon wllh . loin or olher lInInclII _00_" ... ..., .. '... l \ ALL THAT CERTA:N '::-ac': 01: land si':'Jaee in Middlesex Township, Curnbe:-land Couney, Pennsylvania, bounded and desc:-ibed as ~ollows: BEGINNING ae a spike in ehe cenee:- line of a public road, being Township Road No, 499 and ae a poine .....hich is ehe soueheastern corner of land now or for:nerl', of Ronald L. Kutz and Judith d. Kutz; thence by said ceneer line, Soueh 75 degrees 40 minutes East 192.72 fee': ':0 a spike; thence by land now or :orme:-ly of Charles W. Wer': and .....i:e, Nor,:h 14 degrees 20 minutes Ease 242 feet to a stake; thence by other lands now or formerly of the Werts, North 75 degrees 40 minutes West 192.72 feet ':0 a stake; thence by said Kutz land, Soueh 14 degrees 20 minuees West 242 feet to a spike in cae center line of Township Road No, 499, the ?lace of BEGINNING. CONTAINING :,062 ac:-es according to a survey by Thomas A. Neff,.. R.S. dated Oceober 14, 1968. BEING the same premises which Frances H, Smiley by deed dated and recorded even date herewith granted and conve1ed to Robert H. Smiley, Jr. and Crystal S. Smil~~,,~tg~g~rs herein. -' nY.''',t:(t;, " . ,;r.: ,.;'~" ~of''/AJ~~~ ~, ';f l YJ" ..... 'I\~~~~~., rt ~., ,"''''r.J~t.'.(, ,~ ,'f ,'J"!.' ~~fI1,:(,,~, ..'\Ii,~. ,I 'Od"'. f',f.' i1 .' .t.)., , I . -vt I j. ,I , N'",,1, ... _"J'II 'I," .I I" ...1 'J"',"'" "" "j t'.' 'i ~;"I '.' ,~:.a.I.. . .~r;-~.. ," ~ '1--- " ....., . t- (It't::- . , <.,..: .,. ~ ,.....,;~ .... ,.., . 't' . ., .I... '/.- '. . ",r.~ __0 ml EXHIIIIT ~ II ~Cu';~ oh,APRIL II, 1"2, . \ "I ~ . . .. . BORROWER, K . n'.:/;J..-I1.T:; '.kJ ,...evvv~ ) h ~,r Hie .') ,-...~ ) c:s r .. , " 'ha recording of D~f!ds , ,HY,J!,'. (.' /C0(, ~-"illl~..euO, ~"nl 01 office . (' q ~ . day of ';- ~..' r... / ", fRAL) K ~{~~t I ... , ", .', 1:";/"'1' ~:>~1 .~ ,../ J1Ut;;,t" _ ;.. \./ LENDER, Farmer. Trull Company By. ;.ulhortad Oll\car hOO' Ulfll I'm 2~4 lA6ER PROllm.VItr. 311(c) '.IICFIBlnk.US......1C1 U.oup,lnc. AII'lghll,.."nd, IPA-OIOSMllEnM IN) PROMISSORY NOTE .r1lcula, lOin or ltam, Borrower: Rolleft M, SmU.y,,/(, CIy.... S. Smll.y 211 W.II Middle... Dr1v. c.ll"', PA 17013 Lender: F..,.. Truel Compeny ....n 0llIce One Well Itgll Slreet Cer1l..., PA 17013 Principal Amount: 168,000,00 Date of Note: April 16, 1882 PROMISE TO PAY. I proml.. to pay to Fennere Trull Company ("le"'Ier"), or ordet, In IewfUI money 0/ lIMI Unlled S..... 01 AmelIcI, th. prtnclpII_nl 01 SIlly Eight T1Iouaend .. OOItoo DoII1re (....000,001, togelher Wllh Inllflll on the unpaid pI1nclpel beIIInce from Aprll 11, leta, unUl paid In lull. Th.lnterell rete will 1101 Incre_lIbov. 11.000_, ,---_... PAYMENT. Sublectto lilY paym.nl change. relUllInU from change. In the hide., I Will pay thl.loenln ecc:ordenc:e wllh lIMIloIloWlnU paym.nl lChedula: 31 conaecullv. monlhly paymenl. 01 1124.13 .-ch, beglnnlnu May 11, 1'", WIth Inlerell calculaled on the unpaid pI1ncIpeI "1iiince. at .. Inler.1I r.I.. 0\1-::0: per ennumi end 214 conIlCUUV. monthly paymenl. In the InlUelllllClUnt 0/ 1111.01 each, bellinnlnu May II, tNI,. Intarell CIIcU_ on lie unpaid pI1nc:lpel beIence. .. .. Interell ..... 01 3.100 pen:enlage polnl. over lhe Ind.. dNcrlbecl beloW. My IInel paymenl wlU be due on AprIl 11, 2017 end WIll be tor all prlndpel end ICCruedInl.rell1101 y.1 paid, together wllh any other unpaid _nl. under Ihli-Noll. In_Ion IhIs Nola II compulod on . 301360 IImpla Inleresl bollli IhlllI, wllh lhe .xcepUon 01 odd do)'lln lhe f\r$1 p.vmenl period, monlhly In_I II c:elc:ullled bV applying the ,.110 of lhe .nnuallnleresl ..Ie ov..- . year 01 360 de)'l, Umeolhe oulllendlng principII balence. timeo . manlh 01 30 de)'l, In_I tor lhe odd de)'lll ealculaled on lhe basil of lhe .clual de)'llo the /1IIll lug monlh .nd . 36O-dIV year, I wII P.V lender .Ilendlr'a .d_ Ihown ib_ or .1 .uch olller place .1 lender mav deslgnala In writing. Unless olhelwtse .Ureed or requited bV appllcabll lew, p.symenls wII be applied lIrsllo .ccrued unp.ld Inl....I, lhen 10 princtp.I, .nd .nv remaining .mounllo .nv unp.ld collection cOIls .nd lela chlrges, VARIAIIl.E INTalEBT RATE, The Inleresl ,.Ie on Ihls Nole II lubJect 10 change from U..lo ti.. bued on chlnges In.n Indu which Is lha Monlhlv .vweua of ......Iy .\WIge .ucllon ..lei on Unlled S1a1el T....u!)' Bills wtth . melurlly of SIx monlhs, (Ihe 'ndu"). Your In....1 re" wtl noIl~ or ....... " . change In lhe Indu Is .... thin one-quar1. percentage polnl on .nv change de... lender wtl ... me lhe curronllndele .... upon mv req_l. I undnlend thlllender may mak. lOins besed on olher .... U well, The In....t .... change wtl not occu' more -. thin MCh year. TIMIhldes currently Il!JJ!lJoJl8f ..num. TIMIlnllflll rei. or retu to be eppIlId 10 the unpaid prtnctpel beIIInce oIltIIe NoIe .. be .. ..... or ...... eel torlh IIbov. In lhe "paymen." aectlon. Nolwlthllendlnll any other provlllon oIW. NoI., Iller the llrIl ~t __, lie Inllrell rate tor Nth eubaequenl paymenl llream will be .IlKllYl .. 0/ lIMI .... peymenl dIl. 0/ lIMI IUIt-endlnll PIr-' ...... IloIwIlhalendInlllhe foregolnu, the v....... Inl.rell ,... or r.... proYlded lor In thl. Not. wUI belUlllKllo lIMI foIlowlnll _ rate. NOTICE: Under no clrcumlllnces wiN the In'-I r." on Ihls Nole be more Ihln lhe _ of .ll,ooo'llo p. .nnum or the mulmum .... doWed bV applicable law. Nolwtlhlllndlng lhe .bove prolllllonl, lhe moImum Increue or _se In ffiio In'-I ,... .t .nv 0111 U.. on Ihlsloan wtl nol PCUd 2.000 percenl.uo polnll, Un".. wllved by lend", ..y I_In lIMIlnter.1I ,... wUllncr_ lhe _nil 0/ my peymenlI.. PREPAYMENT, I.U_lhll.III01n 1_ .nd olher plllp.,d ~,,"nce charges 8111 eernod luUV U of lhe dole of lhe lOin .nd WII nof be lubject 10 refund upon ..~y paV..nl (whelher volunle!)' or u . '8IulI of dof.ulIl, .xcepl u ofhelwtse ,equlred bV law, EJccepI tor lhe flQUoIng, I may paV wtthoul penally .i or . por1ion otlhe .moUnl owed eartIer lhan Ills due. EII1V paymenls will nol, unllu .gtWd to bV lender In writing, raIIIve .. 01 mv obliglllon 10 conllnue 10 mek. p.vmanls under lhe p.vmenlsch<-dull, Ralher, IheV will ,educe lhe princtp.1 b.lance due .nd may ..uIlln mv maklng 18_ paV..nls, LATE CHARGE, II. p.vmenlllll day. or mor.I..., I will be ch.rged 1.000_ 01 the reflUlIrly echeduled payment. , DEFAlI.T. I will be In def.ullll .nv ollhe IoIlowlng hlpp.sns: (allt.N to mak. .nv p.V..nl when due. (bIt break .nv p,omllll have made 10 l.nder, or I till 10 perform prompllv .llhe lime .nd IIr1cUV In the mannor p,olllded In thll Nola or .nv .ur....nl ,e111ed 10 IhIs Note, or In .nv olller .u_menl or lOIn I have wllh l.nder. (c) AnV rapr8llnlallon or 11I1I..nl made or turnlsheclto l.nder bV me or on mv beht" II lelll or mlsl8ldlng In anv ma\erill respect, (dll dll or become Insolvenl, . receiver II appolnled lor .nv p.r1 01 mV pr-"y, I make .n ualun..nl lor lhe benelII 01 credllors, or .nv prOC8ldlng II commenced eilher bV .. or .U.lnll .. under .nv b.nk'uplcy or InsoIvencV IIWS, (.) AnV credllor IrlIs 10 Iak. .nv 01 mv P'-"y on or In which lender hlI . lI.n or securily Inl....l, Thll Includes. u.rnlsh..nl 01 .nv of mv accounll wllh l.nder. lQ AnV oIlhe .venls _bed In Ihll dolaullsecllon OCCUI1I wllh 'e'Pecllo .nv uuar.nlor ollhll Nolo. lENDER'S RIGHTB, Upon dafoulI, londer may decl.r. lhe enll,. unp.ld princlp.1 b.tance on Ihls Nol. ond .11 .cc,ued unp.ld In'-llm_lIlv due, wllhoul nollce, .nd lhen I will P,V Ihll .mounl. lender may hire or p'V lomeol1l else to help collecllhll Nol. III do nol P.V, IIiSO WII P.V lender lhel .mounl. Thll Includes, lub)ecllo .nv IImlll under .ppllcabta law, l.nder'. .lIorl1l)'l' Ills .nd legal .lCllInlll whelher or noIt'*- Is . taWlull, Including .lIorl1l)'l' I_ .nd legal.lIp.n... lor blnkruplcv proceecllngl (InclUding ."orIs to modlly or Vleale .nv .utomalle .IIV or Injunellon), ap....Is, and .nv .nllclp.led pOlI-judg..nl collecllon seMces. II not prohlbll.d bV appllcab.. lew, I .Iso will p.V .nv cour1 cosls, In .dcfton 10 .U other luml p,olllded bV I.w, IIjude..nlll .nl.ed In connecllon wllh Ihll Nol., Inl_1 will continue 10 .ccrue on IhlI Nole .Ilar judg...... .llhe Inl_1 rata appllc&blalo Ihll Nol. .llhe lime ludU..nlls .nler.d. Thl. NoI. hU been delivered 10 lender end -.pled by lendef In IhI Commonwellth 01 Plnnoylvenl., It the,. I. .lIweult, t ..... upon lender'. rltquelllo eubmltlo the lur1ldlctlon 01 lhe court. of CUmblIrlInd Counly, the Commonw.lllh 01 Pennoylvll1l., Thla Nol. .hell be governed by end _Ilrued In ecc:ordencl with the .... 01 the Commonwellth 01 P.nn,vlvenl., RIGHT OF SETllI'F. I u,.nllo lender. conlractual POSseslory _unlV Inl....lln, .nd herlbV .sslgn, convey, deliver, plldge, .nd b.nsler 10 lender all mv r1ghl, UIIe Ind Inlo,..1 In .nd 10, mv .ccounll wllh londer (whelher checking, ..vingl, or 10.. olher .ccounll, Including wllhoUI IImlleUon .g accounll held 100ntiv wllh lomeOI1l e1.. .nd .g .ceounll I may open In the lulu,., o'e1udlng how.v..- aN IRA, Keogh, .nd lrull .ccounls. I .u1hor1l8 londer, 10 lhe .11.nl pe'mllled bV oppllcablotaw, 10 chlrga or ..loll allluml owing on Ihll Nole .Ullnll.nv .nd .lIluch .ccounll. Cou.ATERAI., Thll Nol.ls secured bV. MDltuag. daled ""'1115, 1992,10 lendor on ,..I P'OP8lty lotal.d In Cumberland Counly, Common_lIh of Pennlli..nta, oU lhe lerml and cond,lion I wh' DIaled .nd m.da . par1 ollhll Nole, EXHIBIT '_6 , COHKONIlEALTII OF PBNNSYLVANIA II SS. COUNTY OF CUHBERLAHD ) RECORDED on thh I ~ dey of Ap ri I Ie q~l !n. the Reoqnlllr'u Office of the udd County in Volu"13~ , Page8~, ~ ' A.D. P Deed Book Given under my hind end the ulel of the ueid office, thl dete ebove written. ~~ ~ if- Recorder 19 ocI c:I I." U) 't" "l "'ffle Ct." M h. CI ::J ~.. D IE ..... ..~ U ~','~ u:J r. t-1 1111~ ... &.:1 t') ~ II:U II Oll!'" UI;,::' hi t., N 1\', " crl . - , IOOiP35 rAt[ 890 .., NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO: '.1... '. Dato of NOlica ,\.lil . 1, 'I l;~ " : '111 L ~" . . LeanNe. 1\,\ I.:,{,"" . , . . The MORTGAGE held llV .__:~2:.~. ~~~.' ~~__~*_'.:___-.:~____~_ (hereinafter we, us or oursl on your property located at. ," :~r i'!ll.l:!' :,' .;-- ur; '.. IS IN SERIOUS DEFAULT because you have not made the montl1ly payments of $ '.'"" ,1 for tire rnonrhs of ,__ ~'_~_____~__~_._.____, __ _~_~_~,_l~~~_~.~._.__. and ~':";L"1~~',,:t .""1 ~ ~_ I ~ I I;, andlor because ____".__ Late charges and other charges have also accrued to this date in the amount of .~l~~ . The total amount now.re_ttuired to cure this default, or in other words, get caught up In your payments, as of the dale of this leller, is $ I , ,. '.. You may cure tllis default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount of $ -.-L~L-':-_.. __, plus any additional momhly payments and late charga 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 ":l'-.!-, :,,~ t.., ~ _.o~~________.________._____________+. If you do not cure the default within THIRTY (30) DAYS, W8 incend to exercise our right ro 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 incend 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 still have to pay the reasonable attorney's fees, ectually 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 personaily for the unpaid principal balance and ail 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 reesonable 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 ~h,--~"''-'-. A notice of the date of the Sheriff sale will be sent to you before the sale, Of course, the amount needed to cure the default will Increase the longer you wait, You may find out at any time exactly what the required payment will be by calling us at the following number: ~.:=i'II" , 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 prO[lCrty alter the Sheriff's salo, 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 MO ED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT M EXHIBIT E THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING I b U HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NO FAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FOr If VOl! (:unl ,'W tlll/illllt. r . nnl(1 to till.' .'iUflW "ositwn as if 110 dotal/It hilt! on:llrrnd. HOWI1VI1f, you iHP lloII'1l11Ih~(t to Iflls nnht to Cllff~ your dufault mOlt! thaf11hu'e tinws in fillY ciJhm~lllt VI!l1f. III' ., ' _.~.. __.4. _ NOTICE OF INTENTION TO FORECLOSE MORTGAGE ---~- -- - ----~--_.--_.- TO: :l(~' . ,," " ., .. _ ".;1 ,'lhl"l{: :i>.H':'.1 L,: .r..: l!. Ji , .J,. j ,t 1 (Jateo! Notice Ju". , - .. '1' ' Loen No. : ~~! l. j ( , l The MORTGAGE held by ~L!I.:.,_;.:,j-,l.C.:..' 'd:':.L0.I'::. .---------------- -------.---.--- (herelnalter we, us or oursl on your property located at ~'~_~ ._t .~l}~~:l'L,-;':_:'1- ;'::- - --~_._--- IS IN SERIOUS DEFAU L T because you I,av/J IIot made the momMy paymellts of $ 'I' ,,;,..1 I h h f .. 1\\ "~I' 1111 d Ii . 1 "lJ ,or r e mollt so ,,' ..,____, ______ '~;" _ ,all__' ," ~-:,:-,-" _:.'_c__.' end/or beceuse . I, , Late cherges end other charges have also accrued to this dale In the emount of _>:~;:::T:- - --' The totel amount now required to cure this default, or In other words, get ceught UI) In your payments, as 01 the date 01 this letter, is $ , , " . -' , You may cure this default with ill THIRTY (30) DA YS of tho dete of this letter, by peying to us tho above amOIJllt 01 $ : , , plus any additiollal mollthly payments and lete charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at ," ~ ",'''1.1.'.1 ;. :-L'_~ _.1 r' ,'!~~......::.~~~l~_J.:~:rllil~..I_-.i}iL-lj'J.:...l____________ If you do not cure the delault within THIRTY (30) DAYS, we intend to exercise our rig'" to accolerete the mortgage payments, This means that whatever Is owing on the original amount borrowed will be considered due Immedletely and you mey lose the chence to payoff the original mortgage in monthly Installments, II full peyment of the amount 01 delault Is not made within THIRTY (30) DAYS, we elso intend to insrruct our altorneys to start a lawsuit to foreclose your mortgaged property, If the mortgage is foreclosed your mortgeged property will be sold by the Sheriff to payoff the mortgage debt. If we refer your case to our attorneys, but you cure the delault belore they begin legal proceedings against you, you will stili have to pay the reasonable attorney's lees, 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 ere 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 ettorney'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 delault within the thirty day period and loreclosure procoedlngs have begun, you still have the right to cure the default and prevellt the sale at any time up to one hour before the Sher/fl's foreclosure sele, You may do so by paying the total amount of Ihe unpaid monthly pBymellts plus eny lete or orher charges then due, es well as the reasonable attorney's fees end costs connected with the foreclosure sele and perform any other require. ments under the mortgage, It Is estimated that tho earllelt date that such a Shariff's sale could be helr1 would be approximately':' "1., , "", A notice of tho dato of the Sheriff sale will be sent to you belore the sale. Of course, the amount noeded to cure the defoult will increase the longer you walt. You may IInd out at any time exactly what the requ ired payment will be by calling us at tho lollowlng number: .4; -,~ 1;. . This payment must be in cash, cashier's check, certllled check or money order and mado payablo to us at the oddress stated obove, You should realize that a Sheriff's sale will end your ownershlll of tho mortgaged prollerty and your right to remain In it, II you continue to live In the property oltor the Sheriff's sale, a lawsuit could bo started to evict you. You have additional rrghts to help protect your interost in tho 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 TllANbFEHEE WHO WILL ASSUME THE MORTGAGE DEBT, PRO E OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE P EXHIBIT HE SALE, AND THAT THE OTHER REQUIRE MENTS UNDER THE MORTGAGE ARE US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST, lET TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON EXISTENCE NY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECLOSURE, If YOll cllrn tlw (I(dill/lt, rim mnrtfb1!lf! \VII/lw fl.lslm(!(/ (tJ rlw !i1'lIIlt.' /wsttum as i/ 'If} c1t.)ft1/Jlt hml fWl'flfrml HoweVl1f, you are notl!ntltled to this rluht to WII! your dnlmlllll1llll' Ih1l111111"" III''''S In any call'ndar Y"III ".N f',jll Ih'. .' " t1., I~.""l lIy ACT 91 NOTICE TAKE ACTION TO SAYE YOUR NOIII FROM FORECLOSURE The COfnmonw'liIIl 01 P.n"'VI~.nt." Homoownm,' Emorgoncy MOr1gagoAIIlllance Proglam may ho Rble 10 help you Read the rallowlng nolleD 10 find oul how the proQram workS "you need mar. Inlorm.hon C8Ulh& POfll1lylvallla lioullng FlIlsnceAgency a\ t 18001342-'391 La 11011llC8Clon en adlunlo e. de IUfn"lmIJOII8IlC1D, puel alecla IU ()ClochO 8 conhnUBI \'Wlunao en 611 C811l 5. flO complonde el conlerlldo de Dill llohllCaClon oblongs una traductIOn ImMledllllmenle lIamam111ella sgenelO (Penn5~1"'8mB ttOUlInlg FtnllnceAgUflcrll1ll tnlUOI 01 nUlnOIO menclonalJo 8fflba Puedell !lef el8U1ble palo un proSlama por 81 proo,.mall.01eda "HolTleuwn8fl" tmorgonq Morlgage A"lllanre Program" 01 CUD puedo lalv81 IU cala de 10 pOldld8 del duructlO a Isdlmlr IU hlpoleca. RE, "ccounl No ACT 91 NOTICE IMPORTANT' NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM. PLEASE READ THIS NOTICE, YOU MAY SE ELIGIBLE FOR FINANCiAl ASSISTANCE WNICH CAN &AYE YOUR HOME FROM FORECLOSURE AND HElP YOU MAKE FUTURE MORTGAGE PUMENIB 1 CijfJRI.:::li 0.'. ,June 2.1. 1 "",,, (......,,'\'..1" "C'l- ,. ',r f " t TO, _j..~.1 4.' ;,J. 0.'.1 Jl-"" ..._,.J "(~t.' FROM Fillll1Clld Tn.'Et fir.",,:t,y. l'o110(.lJvEt.t:< I)rlV,-'. C:!rlu;)p. P^ l'ir'11 1 \';fh:t- lI;ut1 ~t.t'r.f"...t". (-';1rJ;J.l''\t Pi\ 1/n1~ You m1r bl IlIglbll for IInlnclll ...llllnnlhlt will prevlnllorlclo.ur. on your mortglgt II you campi)' with thl provlllonl of thl Homlowner" Emlrg.ncy Monu.g. ...lltlnc' Act of 1113 Uhl ".ct"J. You mly bt IlIglbl. 'or .m.rglncr t.mporlry 1..llllncllf your d"lult hi. btln clulld by clrcumltlnc.. blyond your control. you have I r"lonlbll prolplct 01 rtlumlng your mortglgl paym.ntl. Ind It you mill other IlIglblllty requlremlnll IIlabU,h.d by Ih. P,nnlylv.nll Hauling Flnlncl Ag.nc)'. Pl.... ,.Id III 01 thll NOllc,,1l conlllnl an ..pllnIUon of )'our rlghtl, Under Ihe ACI. you 8188"111181110 8 temporlfY 51ay 01lof8clOlur. on your mortgage 101lhllly (301 dayllrom Ihe dale ollhll Notice. OWing Ihat lime you mUll .uange and allend I olace-lo-lace- meellng Wllh I rep1el.ntallvO 01 Ihlller,der. or Wllh 8 dellgnated consumef credll counsehng agency The pUfpose ollhlS meellng 1110 anempllo work oul I repaymanl plan. or to olherwlse letlle )'our delinquency, Thll meellng mull occur In Ihe nell thlf1y (301 dBVI II )'ou .nend lllee-lo-lace meelmg Wllh lhlllendol. or wllh.e consumer Cledll counlellng egeneV Idenlll.ed In Ihl' nollee. no luf1her proceedmg In morlgage loreclosure may lake place lor thllly (301 day. aller the dale 01 Ulllllleehng The name, eddles'lnd telephone numbol 01 our reprelentallve IS: Joy D. Trnye1' 1 \'iO:lit 1111.11, :jt11"I?t; Cci.rllS!p, - P!~ 1,013 Telephone Number: The nlmetl), addrelll.II, and phone number I 01 (sl deelgnaled conlume! Cfedll counseling egency(lellII lerel' i'lK:I. :"'~j-jLI~ ";{i' (~ "f.\~t,~~t. (0',1"'111.11..:_ fl.- , HI~ ] , illS only neC8l1B!y 10 Ichedule one lace.lo.laco meetmg You Ihould adVise Ullllender ImmedlBlely 01 your Inlenhonl. YOU! mortglglllm del.ut\ be.uu~e 'L.ollI have lalled 10 par promptly InllaUmentl 01 prmclpal and llllerosl, 81 f9qUlled. IOf a pe"od alallealllllly (601 daYI. The lolel amounl ollh deh~Ql.tency I' I. I ", - . _J oJ ,_ r . ' " ;. . Thai lum Includel 1I1e 101l0wII\g )1:11.. 1,1;:; \.J T:lEt:t ',:.),4 AT," qc r; ,.. ." r:r.: "~ ClUt; .....qr. l.~'" '. h l~ 1_'jd.rr1PI ~t 1. ~o YOU! morlgall8 II alia III delaull 1m the Inl1owHl~ '0810nl II )'ou "avo Hl8d 8mf are unable 10 1I~lnlvti Ihl& plObltllll HI or allOf yOlil lace.to-lac(I meeltnll, ~ou have Itle flghllo apply 10f finanCial aUlalance hom lhe HomeQwnUII' Emergency MOIlgage Alllllanco Fund In (JllhH hI 110 Ihll. you mUll lilt (Jul. .Ion Rnd Illu e cM1lllelod Homeowners' E.mHgenc)' Anlllance Appllcahon wllh one ollhe de.lgnslad consume' tfedll c;ounlOllllQ 8g81ll:1Il15 IIsleLlIII Iho allBchmenl An flppltCD.llon 10/ RUlalallca Illay Dilly be oblluned horn a colllumel CIOdl1 counaeitng agenc)' The COIl.um" credll coullsollng agency WIll Ollllil yOIl ,n !illll1U nul youl ollphcalloll oM wlllsulmlll youl (;0"'11Iolod Dpphc81lon 10 Ihe Penl1l~I"'Dl1Ia HOUSing FUlanco Agenev Yow appllcaltoll mUll be hied Of IltlllllllHktnl, .....Ilhlll HlIrl~ 1301 L1a\,1 01 ~'our laco.lulace moelmg III' cUl/emel)' ImpOllanl lIIal I vu /II~ .llll' ",II'/lell/lilll IlfOlllp/l). " rou do 1101 do '0. or " do ,w' 'ollow 1110 (lltIO' MItt POf/adJ '01 lorlh lII'hll Juller. IOleC/Olure may proceed ag.lOS' )'OW Iwme ",mllHl/sl0Iy .lv811alJle 'WIllI lor ernfHgellc~ fIlmlgUIlt! f1s11I!!lnlllt! III lIlI ~."emel~ IInpnflanllhal iOU! .lppltrillllJl\ Ill! ULtlJ!1 eltel Illeculvfl& ~OUI nppllulIllill DUrin\) 111;11 ilIJrJlllunall, I .....Ill 08 1HllllleU dIIUlll~' by IIlal A\)lltlLy ullll;. t!tmSIOllllll l he Pe"'11~t~81\l8 Hourll/lu f" Jl\alH~U AYlHll y Iii hJ(/IWd il 1.800.342.nU111olllree llulI111elJ Pelsulls "'lllll/llpall In addllltlll you III'Y let:Olvlt 8tlllU10llltlllCt! 11011I !tus Ill/HI fi1I111lllhu . Nullflllll 11111mlitHllll ruuH:hllIUlII" You musl'ead bolh nollcel. 11I1Ce Ihey hoth l!_l'llIII11IUhll thRI ~(jll now hllvl! WHim f1l'rl!lS~ v 1111 aw till.....l'...lll. II }Ull th!llJ50 In (l1l"l"!!W ~'our IIUtll1 tlflllllhtlll111 !t1l1 /lollco, ~ou cannot be lo'ecloled upon 'While you 8," leCelVltl\l Il1al ol!lalannl EXHIBIT ( b~' IIll} AlJtHlCV untfOI Iho I!ltgllulily cnlollB ullabhsheLllJy tho Acl e Penl1!l~.IVilrHa linu511l\,! FltlanCe Agoncy hal IIIIV 1601 da~1 10 make a declllon 'u PU'5Ul'1l11gaI1l51 ~ou II ~uu Mvo mollhlf Illtllt ,eQIlI'tll11f1nllaetlOrlh above You e Unl eO;'9. .1<lIIllbul\I. Pllnl1f1ylvll11l8 1110& TlIlophone No ITt 11780-38000' HE MA I~"y i' n:~H VlHtV,tJlV ~'l)1l'1. , ( "( , f , , 1'1',,' '-'J.,- ...J ':;)'/ l, .. " t, ACT III NonCE . .' TAKE ACTION TO SAY~ YOUR HOMI fROM fORECLOSURE The Ccmmonw8PIlh 01 Pennlylven18', Homeowner.' Emergency MortgageAul.I."'8 Proorem may be ablalo help ~OU. Rlld IhllollowmQ nolle810 lmd aul how !hl prooram work.. I! you need motlmlormaUon call tile Pennsylvania HOUllnQ Finance Agoncy 811 18001342-2397. La nohhcaclon en edlunlo.1 de turn. Imporlant... pues aleela IU dor6C'\0 a conMu" vlvlsndo en au cal8, 51 no comprende el conteOldo de ulla nolllle.clon OO'I"QI una traduction Immldl81amenlallamanda Blla 8genela (Pennsylvania Houllng FlOllnceAgencrl 1m C8rgol81 "umOle mentlon.do ambit Puodell8l el.gllllo pa,. unpretlamo por lit prooreme lIamado ~Homoo"",n811' Emergency Mortgage .111110"'8 Program- 81 CUO puede salval IU call de 18 plrdldl del del.tho 810dllT1IIIU hlpol8CI RE: Accounl No' ACT 91 NOTICE IMPORTANT: NOTICE Of HOMEOWNERS' EMERGENCY MORTOAGE A8SISTAHCE PROORAM. PLEASE REAO THI8 NOTICE, YOU MAY 8~ ELIGISLE FOR FIHAHCIAL ASSI8TANCE WHICH CAN BAYE YOUR HOME fROM fORECLOSURE AND HELP YOU MAKE fUTURE MORTGAGE PAYMENTS 1 nl'rJh' J~ ;.. DatI ,June ;Jt,i. 1':\j~ TO R:rhpt""t M '~r,';11~Y_ 11 _ '}C'r: r':."..rd- M";(llnc.;~" r'\t..hIU r.n'.lh_l'-'. O~ "01:1 FROM: Pin1tI~Cinl 'rt\.:ir.,: (J:J:"\t:1t1y. 1 ~ct- Hi~1l ~t-rl~t. ('':lrli, 11-1. P1\ ~'7n1~ You mlY bl ellglbl. 'or 'Inane III la.lltance thai will prevent 'or.clOlure on your monUag. II you comply wllh Ih. prowl.lonl ollh. Hom.own.rl' Em.rgency Mangllll AlllltlnCI Act at tin Ilhl ".lei"). You may bl IlIglblllor .m.rg.ncy '.mporery .1I11'lnc. It your dlflUIl hll blln clulld by clrcumlllnea. b.t'ond your control, you hive I re..onlb . pro.p.ct 01 rllumlng your monglg. p.ym.ntlland II you mil' olh.r .lIglbllllV requlflm.ntl IIt.bll,h.d by th. P.nn,ylvanla HaUling Flnanel Ag.ncy. Pl.... ,..d III at thlt HotlCI.1I contlln. In l.pllnlUon 01 your rlghll, Under Ihe ACI, you Ire enhUed to 8 temporery sta)' at foreclolure on your morlgage lor lhlrty (301118YI !rom the dale ollhll Nohce, Dunng lIlalllme you mUll arrlnge and Inend a .face-to-face" meeuno Wilh 8 represenlallve O'lh.llender, or with 8 delignatld conlumer credll counl.hng agency, The pUlpose ollhll mletmg II to Ill.mpl to waft( ouI, repaymenl plan, or 10 otherwISe 18ll1e you' delinquency. Thll maellng mUlt occur In lho nelllllirty 1301 daYI. If you Inend Ilace-Io-lace meeung wllh Ihls lender, or Wllh I conlumer c,edll counlehng agency Identllled in this nouce. no lullher proceeding 1M mor1gageloreclolu,e may lake pllce lor Ihlf1y (30) daYI IUlllhe dale 01 thiS meeting. The name, addr... and lelephone number 01 our representative IS: Jcy D. TraYel 1 "Iest H1Gll Str~t ~~rliblu, PA liOl} 24J-3~1:1. Telephone Number: The namefl), addre"lesl, and phone numbers 01 (a) dellgnaled consumer credit counsehng agenCYll8l)II laret: \'I Co, 301 G Stn,,,,t Carllsl~, PA liO!3 , 1111 only necellary 10 Ichedull one lece-Io-Iace meellng. You should ad'JIse Ihi. lendlr Immedlalely 01 your tnlenllO"l. You, mottgage is in default because ,you havI1811ed 10 pay plomplly Inslallmenls 01 pnnclpal and Inlel8ll, as fequlled.lor a pellod olalleelt illly 1601 deYI. The total amount 01 Ihe c,tehnquQ.ncy 'I S 1, 7i'5. j!:j - Th.81 lu.m includ"lhelollowfn . Aurll, q95~)f\\li'i'ent(!)i4.61 "',' lnr.- r' :: cr: , Ot.. r::t. . lab~ crlarCf:R R1. 70 You, mottoagetl allo in delault lor Ihe lollowlng roalons- II you have Irled and Bre uneble 10 181ol'Je Ihls problem al or aller your lace-la-lace meeting, you have Ihl' flghllO apply 101 hnllnClelllulllance tram the tiomeownefl' Emlfgency Mongage AII.llance Fund. In order 10 do lhll, you must hit oul, Ilgn and 1110 a completed Homeownel.' Emeroency ,Aulltenee ,Apphcstlon wllh one ollhe deslgnaled conium., cle(tIl tounlolmg 10Untl01 listed il1lhe a1l8chmenl- An application 101 8111s18nco 018y only bl obtained horn 8 conium" cledlt coun18lmg agency The conium., credll counseling Rouncv will 011111 you m IIlhng Qui yOUf apphcallon 8nd w,IIIUM111 your compleled oppllcallon 10 Ihe Pennlyl'Janl8 Houllng Fmance,Aoency Your apphcatlon mUll bellied or postmarked, wllhm thllly 130} daYI 01 your laco-Io.laco moetlng ".. e.'remBly ImpOtlanllhSI )'ou"'e rOUt appllcallon ptomplly It )'ou do 1101 do so. Ot " rou do not 'OIlOW lh" olht)t ImIS p""OOJ IS' lOlth If! /tUS It We I, 'oreelolure 011)' proceed again" )'our home ImmedIately Available lundllor emergency IllOflgago 0I11,Iance Rfe \lefY IUnlted ThoV Will be dlisbul.ed by Ihe Agoncy under Ihe eligibilIty tl1181.a eslablilhol' by Ihe Acl II il mltomely IInporlanllhat ~out I1ppllCahOI1 he Accurate ami completo H\ e\lf!ly IAspect The Penfllyl\l8nla Housm\} Fmance Agency 110SI'lly '''D) dayslo make a declllOn alto' II receives YOUI appllcallon DUling thai addItIOnal 11111(1. 1\0 rOfCdo5UfO PlOtllCdmUI Will ho pUr!HllHl agaln,t you II you ha\lo ,"olll1e IU1I9 lelluUemOnll18tlOtU18bove You Will be nolll.ed dlrecllv by Ihal Agulley ul 115 deCISion 011 yuur applleallon The Pennsyl'Jsma Houlltlg FlIlancu Agency IS IOC81ed 012101 NO/Ill Fronl Slmlll. POil Qlllee 00. 8020, Iiollllhurg, Pennsylv8/l1i11110!i Telephone No, (111) 180-380001 1.800-342.~397 11011 hee numberl. Porson. w.th lInpBlred he8111lg can call l.flOO-342.2397 In addlhon you may rocel'Jo 00011101 nollee I ThaI nolleo.1 callod Ihe "NolleD nllllteflllon 10 Fmeclolu,,- You mUll lead bolh nollC8l, IIRee Ihey oolh o.plam fights Ihal you now have EXHIBIT I you choose 10 eleIC150 your Ilg"ISlloSCflbed mUllS nohco, you C81lnol be loreclosed upon wMe you alo 'OCOIVlllg lhal eSSlllance 1-4- HEM,A Rov " 8lU4 Very trulv vuurs, ---) --I . - l""ll~ ~ '1..-/1//\ _ ~".I~-- - ,"-. i). j.'li'-h'l't': ,IJl'\' ~,J'{. iij J: ;: , " fj!; : ,.'., li'l"!-1I'llioo'I^I;H 1'1 !ltit~ Yi\'t<lt!t,~ 11!!1 Y \'1 ,~jMlq id {d.n ! /, '-ill h' "I.I 1:1 ! '111 AN)' v' , t! I i I " h' '1'1 hl t\ '!- !-') AI.. : I l',i j", HIt' VB I Fit j \ j c:d'l'rllf ". ["'PI/t)' Oll"r1f1 l.,j j ~q'~pJ L! {,ut "P~i; ,', i "IJlliyivi-.ltil",wtil,1 b[~l fH) du! Y f.;:VL1! tl Hfc:TJrdln~ '" ,,!PO, d't '1., w,tl1i" f:L'MI'I,f\\!lT I1fHn rntH' W\lP. '.,~I VI.'ll 1/1 !i 11illY IhY~'.lAL t hl" ,j; t! {, 1l1t. .It f~f' ',,' t y~d..'" Ill)Uh'; "IJ t Ilt'(\!.1J! !,h-i';o' ld IJ,_:t~)b.~1 I,,' " ", '"{'OJ I1JI'PU,!r)o; [iHJVL 'ioh! I..F, f ^ 1"'\:'1: ,.I,'"l'niL/I.l.H' \Ill! ,( 1'11; Y 1 "';:l!i 1\. by fh.Hi;ii lit! III .- h'C;~'T-"d,~_ ~J1JL.",~~Y _ J ~ I iIi' t 11'.1 !l t t '" i t j ,! pI' lOt ".., ((JI1\'LAlNl I1I'hl [lihr ;ll,f ;j! 'hI' litP', 'llh\,' dlltf'tJnq !b,'~ ,}tton11{!u t.,) i.ltr' con'(-nf..h t.hr:'Jf''I.'1. ;" 1 I t j "; j' . ,!. t ~, , ; LI:' t i f\!.l "~-) r:. .", v.c'co,/ ~ ?~~ . ~-..<('.r ,,/e(....-<~ , 1"1"., ri~lil. ""I, f~ '.'ji; L:. \':'\V. . ~~(~ .t'lt'J .2. t"',C'; r:, ;'.! .' i j\'1.' lJ "jl;''! \1P UI.N'\ J j II.- "iJl- ':i l. 1'lllil fill 1'- lill!; i" T. ./~.r' I~;'f~~ I! f " , , .' d "i" I 1 t, '1 . , ! , 1", , \, /& It. ,f 7L<...... 6........- .\' (i{ t\ l 'ri~ y, )tL..:l't,/ , If'l.'1~ ' 1}, !; ! I \~,. j. ,;;' l' i t Itl 0 ()" 0 I N N .,. , - ,... i 0- n 1 1.11 ~ '"" li. rrJ 0 .r: I ~ ("l - ., . (li s: ..' ~. . i'" 0 IJ) r;') 0- \,; pO ," c G.. r' . ~~ 0 .. j Ifl ....... ,'1' I ;:1 ('""11' ~ . "~ ,Y) . . . " j ct ~ l."J :. .;q ~~ ~,.r. V .:J ',1'" lo,l - '." ';-"'1' Z .-J , :I- ::> l!; ..., ? ::..:: -- \.0 ~? ~-~ N L. 8 . ,J ._' \U\,.I (),c; (.)(,1 .: J:::": If . " .L.[' ...:.,. C\~'~~ ~.. t_, r- : ' ,'0 (-.1- I .-1 (~~ ti!\. ,- le] ill . \'0_ ,.. L". u.. '.~ ::) ",_1 , U -..... .- ...... , , j I 1 r ,!1 ... -.. (:; t.: l"~ i .. ~I( \"': '2 8~'. to. , C~;~ Ii' . "in '\ , " 'J ~ ~ ( f:-.{ii , ,. fl.;U. l. . - , . . a ( I ( ) I ) I A..... ~ .... .. . f , . ~~ .:2' ?= ..:r ~: .. ~i.~ - - , h,; ( l'\ ..- r.) "']1 -.- " "p' "'" q;J ~l;': -.J :::.(:? fin. o.:!r:"; rJll' '-" m[1 ~ J~ " I,' t~,l l.. I', L. (~ ,. ,..., L; U\ \ , ~ ~ '-~\n~ ~'..::::t- 'I) '~ .k '-.., r'\'(. - ~ ~f'\J e ~ ........ i i ,~, . ..:'" ~ <..._~ -.J \',- ,) . ... '-.l - ......... ~~ '\.... -- ~~ ~r~ \ ~. .______i ~ -=- ~ .:r ~ .. b~ ~. Q ~ U..'.I 'J ~~ C);-= p ~... '.. N ..~. C'. I, m~ JlL ~L;,' c.:. '" II: I .. C:.. ~. Ib In ~:; 0 <ll U . ~ .:l" ~ ..:r .. :5 IJJQ -. b<<\ - <;. ff~ - u....-. - -, ~fJ "" q~ "I ..:. .) S "- it) :.;; l" u '. If: G.:~ ._ 1 JIJ I:;:J =5 '1. In LJ I)) U 3. That the Movant is a secured creditor of Debtors by virtue of a promissory note and mortgage dated April IS, 1992 in the original principal amount of $68,000.00. Copies of the promissory note and mortgage are attached hereto, made part hereof and marked Exhibit A, said copies being true and correct reproductions of the originals. 4. That Debtors are indebted to the Movant on the mortgage referred to in paragraph 3 in the amount of $72,131.82 calculated as follows: Principal Interest through 3/17/96 Late cbarges TOlal: $66,063.09 5,750.29 318.44 $72,131.82 5, That interest will continue to accrue on the mortgage referred to in paragrapb 3 from March 18, 1996 at the rate of $17,26815 per day. 6, That tbe instruments marked Exhibit A provide that Debtors are responsible for payment of the Movant's anomey's collection fees. 7, That the instruments marked Exhibit A are In default because monthly payments due May IS, 1995, June IS, 1995, July IS, 1995, August IS, 1995, September 15, 1995, October IS, 1995, November IS, 1995, December IS, 1995, January IS, 1996, February IS, 1996 and March IS, 1996 were not made. 8. That in addition to the mortgage referred to in paragraph 3, Debtors have also executed a mortgage payable to Movant In !he amount of $35,000.00 dated September 13, 1993 and recorded in Cumberland County Mortgage Book 1165, Page 1030. 9. That Debtors are indebted to Movant on the mortgage referred to In paragraph 8 In the amount of $35,575.08 calculated as follows: Principal Interest through 3/17/96 Total: $32,231.65 3.343.43 $35,575.08 10. That the mortgage referred to In paragraph 8 is in default because monthly payments due February 28, 1995, March 28, 1995, April 28, 1995, May 28, 1995, June 28, 1995, July 28, 1995, August 28, 1995, September 28, 1995, October 28, 1995, November 28, 1995, December 28, 1995, January 28, 1996 and February 28, 1996 were not made. 11. That Movant believes and therefore avers that the real estate taxes for the years 1994 and 1995 are delinquent and unpaid in an amount In excess of $2,000,00. 12. That Movant believes and therefore avers that the fair market value of the property referred to in paragraph 2 Is $100,000.00, 13. That Movant belleves and therefore avers that Debtors do not have either equity or a sufficient equity cushion in the collateral pledged as security for the loan referred to In paragraph 3, 14. That Movant belleves and therefore avers that there Is not adequate protection of its Interest in the collateral pledged as security for the loan referred to In paragraph 3 because there Is neither equity nor a sufficient equity cushion. IS. That Movant has not been offered adequate protection for its interest In the mOl1gaged property . 16. That a Sheriff's Sale of the property described In paragraph 2 was scheduled In Cumberland County, Pennsylvania for March 6, 1996 In an action of mol1gage foreclosure docketed to Civil Tenn 95-6128. 17, That Movant believes and therefore avers that the instant banlcn1ptcy ming was done for the purpose of delay. , 18. That Movant believes and therefore avers that uniess the automatic stay is tenn\nated its Interest in the collateral pledged as security for the loan referred to In paragraph 3 will be materially and adversely affected. WHEREFORE 1 Movant respectfully requests that your Honorable Court issue an Order tennlnatlng the Automatic Stay so that Movant may forthwith enforce its security Interest In the mOl1gaged property pursuant to the provisions of the Instruments marked Exhibit A and according to applicable law with the proceeds of any Sheriff's Sale subsequently held being distributed pursuant to the laws of the Commonwealth of Pennsylvania. o y . ner, Attorney for vant 230 S. Potomac Street, Suite C Waynesboro, PA 17268 (717) 765-8080 I verify that the averments set forth in this MOlion are true and correct upon the undersigned's personal knowledge or upon infonnation and bellef, I understand that false statements herein are made subject to the penalties of 18 Pa,C,S. Section 4904 relating to unsworn falsification to authorities. Date: 3/;;J.~/ 'Ie FINANCIAL TRUST COMPANY. successor to FARM RS TRUST COMPANY BY'~ ac ute Manager '. . Ho. ._.._...__...__.... Tel"D\, 19.___._ .......... ..-------.----------------......---...-.--- YI. . '. "I" .. . ~ ---------------------------------.----... PIlAEOIPE rued ._____.__________________._ 19______ .._.._____________________.._________. .\lty. ..~.....__.. --------------------------.-------------- \1NV^l~SN~8d } J "t""') ".. ".,. . "',"n" ,I..:',:'. !", ';""!',\ llJ L '112 11.1 0 I Hill' % ,U I,C'" . .,' '.'L "v" l\u'I.cj,cJ1l,1,\';...,. .".. - 30l:l~O-o3111 ._""","<....,.~v ...,"";...:""-~.-j'.\'.-~.,.,~,_"_.,'"'''/_':;..,.;,,.'''''"'''--. ~ i , v. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW FARMERS TRUST COMPANY, Plaintiff ROBERT M. SMILEY, JR" CRYSTAL M. SMILEY, Defendants IN MORTGAGE FORECLOSURE CIVIL TERM 1995-6128 NOTICE OF SALE OF REAL ESTATE PURSUANT TO PA.R,C.P. NO.3129(b) 1, The property to be sold pursuant to the above captioned judgment is all that certain tract of real estate situate at 255 W. Middlesex Drive, Carlisle, Cumberland CounLy, Pennsylvania, as more fully described in Exhibit "A" attached hereto and made a part hereof. The said property is improved with a single family dwelling. 2. held is County, The judgment of the Court in which the sale is being 1995-06128 in the Court of Common Pleas of cumberland Pennsylvania. 3, The name of the owner of the property to be sold pursuant to the above captioned judgment are ROBERT M, SMILEY, JR., and CRYSTAL M, SMILEY, of 255 W, Misslesex drive, Carlisle, Pennsylvania. 4, The time and the place of the Sheriff Sale is 10 o'clock A.M., MARCH 6th. 1995 in the county Commissioner's Conference Room, Second Floor, cumberland county Court House, Carlisle, Pennsylvania. 5. A Schedule of Distribution will be filed by the Sheriff on a date specified by the Sheriff not later than thirty (30) days after the sale and distribution will be made in accordance with the Schdule unless exceptions are filed thereto within ten (10) days thereafter. By. \A A I!r\~ ffit'VL.( Q-"VL Willia~n 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO. ~~-=-~1,~!!_.._ CIVIL 19 CIVIL ACTION. LAW TO THE SHERIFF OF ClJMIlERL^NIJ COUNTY. To satisfy the debt, Interest and costs due FiJl'IIl"I'B 'I'rus t COlllplJny ._~-- ~---_, '____W,n"_,_,___ __',_..~,__ .---..'... ......-..-_ .........,.. _PLAINTlFF(S) 'rom~ob~~r.~..I>1'....5I1li l"y, ,JI', "nrl Cl'YRtilJ..~"BlIlilI'Y_~..~:~~:~i~rI!.'~B~~Y~_ ClJrliolA P^ 1701] .....---..,-. ". .. "n"__n._..__..__,__., _, DEFENDANT(S) (1) You are direcled to levy upon the prope~y 01 the defendant(s) and to sell..__~~!:!.~~t_,:,~~'....! aCIJ tAd IJt 255 W. Middlos",( 01'., ClJrl iolA P^ 17013, (5AO ^ttlJcl1l'd L'Jgf11 ._~-,---_.." -"-----'~~-_.- ... -'---",. ----------. - ----.-- . ''---------------- DeBcript ~?r::.~L.__._..n_'n'_ ....... "_"'n ______._,_____. ~___'__'"_,_ _,n __'''________ ..____.~___._,_._. (2) You are also directed 10 allach Ihe prope~y of the defendant(s) not levied upon In the possession of .__ -".'..---'-- .-.- ~_.._--- ----'-~- ------ ...-, ,-- -"--'-'------,-,-~-- ---.-.------,,---- --------,---------.- -- '___un, __+____ .. __,,,,, ,_._ +__'_.._..______~~'____________ -------...- .._-------,----. -- .---~------,--- -.-"---- .~---~---- '........------..--- --~---'---~-.._--~---..-- ._.. GARNISHEE(S) as follows: _._'~-----, and to nollfy the garnlshee(s) thaf: (a) an allachment has been Issued; (b) the garnlshea(s) Is/are enjoined from paying any debito or 'or the accounf of the de'endant(s) and 'rom delivering ony prope~y of Ihe defendant(s) or olherwlse disposing thereof; (3) II prope~y of fhe defendant(s) not levied upon an subject to allachmentls found In the possession of anyone other than a named garnishee, you are directed to notify hirrvher that he/she has been added as a garnishee end Is enjoined as above stalad, Amount Due _:?_l..'._B 3 2 : B7 ". Interest 4/15/=~~~,l!I~0~95 $3,825.63. L L $.50 . ------,-,--_._- $1.00 Ally's Comm.. _..___,_ $103.36 Ally Paid ________ Plaint"' Paid %_SJLn~. 75,,_ Due Prolhy ,,_ . Olher Cosls _" -~----'---~--- Interost @ $17.03 per diAIIl ------._'--_._.~----_. ~'--'~-~-~--"m___~."____,b~______, "._"___ D~e: Dncolllber 12, 1995 L~wrenco E. Wolkor ------,--- . ,___u .__..._____~_"_~____,__~'.,_,_ P'Olh71atYJiVil Division b, __~'J_~ --:')f-L:li;;l Daputy REQUESTING PARTY: Name ~l,:.~lJrn_~' Dunc"n, EOCJ.~Lr':..._ Address: I ,r~_J~A Row C~rlJBlA P^ 17013 Allorney lor: , ,----.!' ,~IJ i n LJ r r Telapl1one:__(.7L?..l,249-7700 Supreme Cou~ IlJ No. REAL ESTATE SALE No. @W~a&m On ~~ I a,l 'l'i',( the sherifllevled upon the defondants Interest In the real property situated In Cumberland County, Pa., known a[1d l1ull1bon~d as:.:zs~ 1..J."'W1L.1J,j).4'/' lS1t, CaJ.' Land mor' f"'!,, '.'", ".: ..., [,"'1"',1'1 "A" f,'!'.'d ,....., ... t..: 1,/'1; \., " '..' ". - .\.. II.. this writ and by this reference ',~!'(.ri:"~ 'j !I.;: ':n, D8t8:~ 3. r; 5 [JY:~AI2t..--- IG...t ~ H7. iJrt r' ,. fI ~Jn 'J DUDcan & Otto. P.C. Altorneys III Lllw One Irvine Itow Corllsle,l'ennsylvllnlll 17013 Wllllom A, Duncon Susan J. Otto Rachel L. Mensch (717) 249,7780 FAX (717) 249.7800 '(,'I, '" June 4, 1996 Audrey Sheriff's Department cumberland County courthouse Carlisle, PA 17013 REI Smiley civil Term 95-6128 Audrey: Please compute poundage due on $7,936.97, the amount used to bring this account current with Farmers Trust Company and then calculate the final total for fees due to your office, Also please stay this sale listed for June 5, 1996. If you have any question please give me a call at my office. Thank you for all your help in this matter. Thank you, " WAD/cd CCI Financial Trust Company