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HomeMy WebLinkAbout95-06654 ;!J ~ ) ~ J E' ~ J1 I ~! ~ ~ I . . ",<-'u,^ ,~ ,C'''',, ',,' ._~ '3<..._ ! 1 1 ,'-:':\iY~~~ . ,', ;-~." .?,Li;;~ -., , "-;--,', " , , :'0:......_ ,I- '!.', ",,- . ':, 1 "d,; .' " " ',< >"2':'~.' ~~:>:). "'; -,( '-', ;" " _, ~<1;..~ ~:~,/?; ,: il'/':.':" -~ " \ , :.:-~ -. . . . " " ""'."w ".,' ""':.' " -j-" . .._< . ., ~. ,-, .~.;; ~'!~(~;~:/ - -",',,",- ~- ~~ ~'!'~'" , . ';:, -,- ~ '}( ,. -';;:"/-, ',<,' --,'.. .-. ;,~. -- :.~, ,: , ',3' ::.'..' . --,-." r c:~:. _""'~"". "'~"~P'".rr."'i'..,"',,,. ..' ," ..' FARMERS TRUST COMPANY, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE 95-ttLD5lj CIVIL TERM NOTICE v. KENNETH H. RANDOLPH and VIVIAN L. RANDOLPH, Defendants YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIM 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. YOU 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. YOU 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 . ." at FARMERS TRUST COMPANY, plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW IN MORTGAGE FORECLOSURE v. KENNETH H. RANDOLPH and VIVIAN L, RANDOLPH, Defendants 95-u.l&5L~ CIVIL TERM COMPLAINT AND NOW, comes Farmers Trust Company, through its attorney, William A. Duncan, Esquire, and files this Complaint in Mortgage Foreclosure, of which the following is a statement: 1. Plaintiff is Farmers Trust Company, a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at 1 West High Street, Carlisle, Cumberland County, Pennsylvania 17013. 2. Defendant, Kenneth H. Randolph, an adult individual, and Defendant, Vivian L. Randolph, an adult individual, are husband and wife, and reside at 2735 Ritner Highway, Carlisle, Cumberland County, Pennsylvania 17013. 3. On or about December 9, 1994, Defendants made, executed and delivered to Plaintiff a note and a real estate mortgage financing THIRTY FIVE THOUSAND DOLLARS and 00/100 ($35,000.00), 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. Kenneth H. Randolph and Vivian L. Randolph are the sole record owners in fee simple of said premises subject to said mortgage, by virtue of a Deed dated and recorded on March 23, 1988, and recorded in the Cumberland County Recorder's Office in Deed Book "F", Volume 33, Page 1130, more specifically set forth in Exhibit "e", 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 months of October 1995 and November 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 September 21, 1995, a copy of which is marked Exhibits "D" and "E", and attached hereto and made a part hereof by reference. 8, The Plaintiff has given written notice of default as required by the Homeowner's Emergency Assistance Act of 1983, dated September 21, 1995, a copy of which is marked Exhibits "F" and "G", and attached hereto and made a part hereof by reference. _..~.._._.._.u.-.-_...~__~' . J't,.' :', '~'" -..,., '.~ .~. ....c,. "",<~,i,. 9. By reason of the aforesaid default, the entire principal balance of THIRTY THOUSAND NINE HUNDRED TWENTY ONE DOLLARS and 63/100 ($30,921.63), with interest thereon at the rate of eleven (11.00t) percent per annum computed from November 9, 1995, accruing insurance premiums, attorney's fees in the amount of ONE THOUSAND FOUR HUNDRED SEVENTY TWO DOLLARS and 46/100 ($1,472.46) are now due and payable, 10. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due through November 20, 1995: $29,449.17 B. Attorney's Collection Fee: $ 1,472.46 TOTAL: $30,921.63 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 THIRTY THOUSAND NINE HUNDRED TWENTY ONE DOLLARS and 63/100 ($30,921.63) together with interest thereon, costs and all other amounts advanced by Plaintiff. 'J ~CoJ.---' William A. Duncan, Esquire Attorney for Plaintiff 1 Irvine Row Carlisle, PA 17013 (717) 249-7780 ~.;- -r .:: H ,'+ " d ~~1 '." .-, ~~ "',....".~...;...~""~;>.;'-""~,..:c,:~".~..,.. c~ . ';.'j,.,;~,-,..~"d<~~,;!ot&~:i~~'~:>t,<~,"+.'.o)~j,~:':i\?~'~W~'\1':,;:'1+'Y1~~~~ ," VERIFICATION I, John H. Bowers, hereby verify that I am an Sr. Vic~ president of Farmers Trust Company, that I make this verification being authorized to do so, and the facts set forth in the foregoing Complaint are true and correct to the best of my knowledge. 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. ~ John H. Bowers Sr. Vice President f . , I' I , .. REAL ESTAT~ MORTGAGE 9th Ih.a,b:. I~,\q , by Ind betwoon INDENTURE, medo this Klmeth H. & VivJm L. RInb1rh dlY 01 (MORTGAGORS) end FARMERS TRUST COMPANY. a Pennsylvanll Corporlllon (MORTGAGEE), 2735 Ritll!r Hf8"wJy StrOlt, 0Irl1s1e . Plnnsylvanla. MORTGAGORS, on th~~ fflvl IxecUled a nolO by Iho torms 01 which MORTGAGORS hovo bocomo.Jndobted to MORTGAGEE In tho sum 01 · ':::qa Oollln to be peld. Including In~\I: specified thlroln. within ltll - months Irom tho dill herlOl In monthly Instlllmonu 01' DolI'~.lnd Iha flnt Insllllment to bo peld on JII'l. U . 19 !r.! Ind the succeedIng Insllllmlnu to be paid on tho 1!:!!;!:! dlY 01 oech month thlrolltlr unlll tho Inllrl sum duo Is peld In full, Thll Mortgego Ind thlllon thlrlOl shill bo IOCUrlty lor Ihls debt Ind lor any Ind III lOIns thlt mlY be medo by MORTGAGEE to MORTGAGORS It any fuluro tlmo; provided, howovor, that II no time sh~I~lf>ol tho unpeld bellncos 01 thl prlSOnl dobt Ind llIsubsoqulnt lOIns oxceed In Ihe IWogetO In unpeld IICI omount 01 S ,. . MORTGAGORS covonlnt Ind warrlnt thlt MORTGAGORS hovo lull fOl slmplo title to tho mortgegod promises horolnllter dllCrlbed. thlt MORTGAGORS will pey tho Ibovo mentioned debt 01 required by tho Slid nato, Ind Iny luturo lOIns 01 required; thlt thl buildings on thl prlmlsesshlll be kopt Insured 1ge1nst loss by flro lor Iho bonellt 01 MORTGAGEE, In compenlOl Ind amounu SllIsllctory to MORTGAGEE. with I sllndlrd mongegoo clluse; Ind MORTGAGORS will pey Iny IIx, ISSOSSmont or other gOYlrnmanlll chorgo, Including wltor and lOWor renu. ossassed ogalnst or Imposed upon the IIld prim I.... and will dellvar to MORTGAGEE rocolpts therelor Immedllllly upon domand, Upon nonpeyment by MORTGAGORS 01 Iny Instlllmont on the date when such Insllllment shill fill duo. the ontlro ballnee 01 tho Ilorlllld dobt shill become duo Ind plYlblo, It tho opllon 01 MORTGAGEE, IS provided In the noto. In tho ovlnt thlt MORTGAGEE rOllln. In Ittornoy to Instltuto In Ictlon on tho IIld nOlo or to foreclose on this Mortgego. thon MORTGAGORS shill pay. In Iddltlon to tho blllnco duo on tho IIld noto. Including InlerOlt. If any. an IttorneY'1 collection 101 0116 percontol tho fulllmount thon duund casu ohult;ond In thlovlnt thlt MORTGAGEE oblllns a Judgment against MORT, GAGORS In tho sull on the IIld noto or on this Mortgego. and thorealter Issues a writ 01 oxecutlon or other Ipproprlllo writ on thl IIld Judgment, thin MORTGAGORS haroby waivo all rights and boneflts under Iny ond all laws or rules 01 coun now or horo- Iltor In offect gronllng or permitting any oxempllon or slly 01 execution egelnst tha mongegod promises or any othlr property whatsoever. Ind Iny such Judgmont shall boar Interest at thl Ippllcable rato until thl lull Imount duo MORTGAGEE Is actually peld. by tho Shirl" or olharwlse. NOW THEREFORE, MORTGAGORS, In consideration 01 thl IIld dobt, and to secure peymlnl thereol, herlby grant. bargain Ind 1111 to MORTGAGEE ALL THAT CERTAIN troct or parcol 01 Ilnd SItUltO In tho County 01 <lJJb!rlaD . Commonwoolth 01 Pennsy~, moro~cularly dllCrlbed In tho Deed rec~i\'l~~ q.fJjCll for tho recording of ~Oed Book No, _ pego "ond otherwise known a." ..!!!El!!!l!. .... (,_1 fJ\ a.:: .... ...:,xl.u ""'. :- r'1' . . TOGETHER with tho buildings, Improvemenu, rlghU, privileges. heredltamenu Ind appunlnences, l~tho~f6ns, remllnden. ronlS, Issues Ind proflu therlOl, :;0:: '" ~ "~ .- :. N l" 0, ..1 TO HAVE ANO TO HOLD tho said praml... unto MORTGAGEE forovor. c::I ~< ~, ".J ",' . PROVIDED. novenholess, that If MORTGAGORS .hall pey to MORTGAGEE the entlro dobt I' herelnbef~t llIt~ttlM the Ollila horeby grlnted shall coese. determlno Ind becomo void. :3 g <;> I,~. ~ ZI1'1- IN WITNESS WHEREOF tho IIld MORTGAGORS hovo hlreunto lit hind. and SOIls tho dlY and v_ fI~il!9~~; wrltton, ~ ,If> C.D "" ~ Signed, sealed Ind delivered In Ihe presenco 01: v~~~~!'~ (SEAL) (SEALI COMMONWEALTH OF PENNSVLVANIA-- -SS COUNTY OF Onlho CUMBEKLAND 3Uth KENNETH H. dlyol RANDOLPH. JR. lJecember ,192i- ,boloromo. personally Ippoered thl ond VIVIAN L. RANDOLPH lbovo-nlmed Ind In due lorm 01 law ecknowledgod tho lbove INOENTURE OF MORTGAGE 10 be tholr _ IrOl ~nd V.QIWIt)wy. ~ Ind .... ",'\... -. . deed, Ind desired thlt It be recorded as such, /1. ',<' rJ.....:::;':'-:.::'. ..... WITNESSmyhlndondlOllthodlYlndYllralorlllld. (iF....-. . q....l'~... ,'.,' .... Noi;rvPubllc , : -: ." ".. ..... '. Notarlal1eal . -' .. Csnnll J. Trill. ""tit)' PIIbII,. :'. Carlltl.. Cumbtrlan' 'Clllilt, . My Clmmllllln E.plres Oc~. 6,'''' ." ... . Thl IddrllS 01 the wllhln.nlmed Mongagoo Is EXHIBIT /l- . , on bohlll 01 MORTGAGEE ioon 1249 PACE 218 I 35.000.00 --.-- PROMISSORY NOTE Kenneth Randolph PAv!n9 ' RA~l rn.~fnq loon' I D::l~l!.SV-9001 December q Oiled . 19..3.L ~ '~J5 RitA9r Highway. Carlisle. p~ 17013 Oobl~ Kenneth H. , Vivian J" RAnilnl ph ~ FOR YALUE RECEIVED AND INTENDING TO BE LEGALLY BOUND HEREBY, the person Dr persons who sian IS debtor below (elch join Iy Ind severally liable il more than one person and hereinaller relerred to as "Debtor1, promises to PlY to the order of ("Lender") FARMERS TRUST COllpANY, I Wilt Hip Strn~ P. 0, Boz 220, CarlIIII, PI, 17013 at any of Lender's branch offices. the Principal sum 01 THTR'I'V_Il'TVP. 'I'HnlJRANn ANn Nn/l nn................................. Dollars In lawful money oflhe United StIles. to be paid IS loIlows: Principal and Interest payable in 48 equal monthly installments of $904.86 each, commencing on the 10th day of Janusry, 1995, and continuing on the lOth d9Y of each month thereafter and in one final installment of $904.86 on the 10th day of December 1998. Any increase or decrease in the amount of: interest due caused by early or late payments will be reflected in the final installment, which will be modified accordingly. 11% fixed Inlerest lrom the dale 01 this Note shall accrue on the unpaid PrincipII balance hereol allhe rale 01 THE PROVISIONS ON THE REVERSE SIDE ARE PART OF THIS NOTE. Debtor has duly execuled this Note the day and year first above wrillen and has hereunto sel Debtor's hand and seal. INDIVIDUAL [DIDflISISI D'It1 ItORI'DRATlDN Dfl PARIN[RSHIP D[BIOOISI SIGN BElD'lt1 IS[AII Kenneth Randolph Paving & Seal Coat~~.\i !SEAtI B:.meDfrv'I""'~,"//" ~ ~ II. Handolph and shall be payable montn~y SICUIIlY l'IIIEn: As ltCu"ty '" ilia ",ampl pay...n1I1.nd .""'dUl~ aII.mounbdUl undtf Ihis NoIe. includlnl In, ,ene.,ts, ed.nSlOftS .nd/or mod.'ltlbons Ifltreof,loaethef WIth .11 other II min. .net future klbtlrtleS and obIrpbQns of Debtor. 01' an, of lhem, to lender whether absolute Of tontinlf"L olin, n.lull wh,lSl)fytr .ndoul of wh.lmr tunSldionsJrisinl (hereinafter cotIectively relHred tolS the "Lilbilrbes'l,in IddltlOn to Iny other secUrity Ilffttllfnt 01' documenllflntinl Lendff Iny 'itflb 1ft InyofObl'IOf'sf'QblilDf", as used htteln, sha. tl'IClude Debtor and .11 other Ptlsom klbIe. eM<< Ibsolutely 01' conbnCffltly, Ol'lltle L"blbhes, includltll endorstn, 'UletleS and IUIllntonJ property lor 1M (lUfp:l:Se of SKurin. ttle Lilbr.bes, OblllOllCllnowledaes lender'slllht of stI-otland lurther hereby ".nbto Lender .lienandsecuflty interest in Indlo.lI Pfopert}o ofOblllO', or In,of lhem, whICh It .nyfneL'nder wI hlvtinrts poueISlOn, 01' .hicha 1ft banSlllo It, includlnl without hmlt.bon In, balanc. or "'are beIonlinllo ObIiJOf. or In, ollhem, ot an, dep:lSllalenc" t,usl escrow or other fCcountor ICCounls with Lrndef Ind In, other amounts which mly be Owinl Irom 11Ine to lIme b, L.nder to OblilOl. or Iny of them. Slid lien Ind security iolet'est shill be independent 01 tende,'s Illht 01 seI-alt, whKh. il .lefCiwd. shan be deemed fooccur II !he lime Lender 11Ist reslllcls access 01 OblllOf 10 proptrty 1ft Lender's POSsession. ahhoulh such sef-olt IN, be entered upon lend!"s books.nd records at .laler ttme. o II (h<<lIed, Otblor avetS thJlthis Note IS. ",..,.al of the Prornruory Not. dalfd , 19_..nd thll whether Of not Iddrtionallunds .,e advanced here"nth, IhlS Nole rs nolmtendtd to c'ule atotaQ,"" deblll Lrndtr WIS &iren I purchlS' money or other security ioltr!sl in conn<<lIon '11llh the pflOf PromisSOI'y Hote, thll SKuIIl, interesl shill be r!lamed by lender in connectlOll wllh Ihis NoI! UNCO"DIIIONAL lIA8111": Obll&Of" "!Milt, shl. be uncondlholllllnd wlthoul reprd 10ttM!kablity 01 an, OUl!f OblllOr.and ,hall not be allec1rd b, any Indulaence. fdensionolllme, ffl'lfJl.l1. w,lm or m(KMlCahonol thrs Nolt, or the Irle.se. lubslllullon IDdlor Iddltion of coIJteralsecul1Iy for IhisNote. Oblip COMenls lo.n, .nd all !llrnSions of 11Int. renewalt Wllren Of modlflCaliont IS wellas to lhe relelst. subshtution or addition 01 ObtllOfS and/or con,lml secUrity, .llhout notICe to ObIlaor and wilhout ,"edanl OblllOr', hlbltfy hereundrf01' undrr Ihftiolbllll1t5 'hi' Nole IS entllled to ItIe btnelit, olln~ IGan '1IHmenlhl, surel, 'ndlor plllnty aVet'menlhJ. SKUIII, fl'!fm!nllsl. morlpltlsl. asslln,",nll'l, .ndlor other such loan documenls lreleffed to II lhe "loan Documrnh"llnued 1ft connrellon w.lh Iht Liabllllies. whelher elt'Culed Pfewiously 10 orconcunenl', wlth,or 10 breltCuled sulneQuenllo, Ihls Nole.and *hlCh may beamended.modlhed, tenewed 01' substituted WIthout .lIetlmllft In, Jra, lhe nhdlty or enlOlttabdrty ollhis Note (VENTS or DUAUlI: Each ollhe followlnl Ulln be In ~henl of Deflult" hereunder: 1II1he nonpawmenl when du!. 0111 fhrs IS' demand oblrlllion. upoqd.mand,olany .mount p.w,.b6e under thiS Note or 01 In, amounl ..hen due under or on an, of lhe lI.1blblies. Of ttle lallure 01 Iny OblrlOf 10 observe or PtIform .n, alr!!menl olan, n,lure 'IIh.lsot'l!f with lendl'l, includll'll. but not imlted to. time contained in ItIt lOoln Documenls. !?I11.n, OblllOl b<<omes lflsolvenl 01 mIles In llsil"mtnl lor lhe tit""" 01 crt'dIIOft or If .In, pelrhon IS flied by or '1,lnit an, OblllOl under any provision olin, llaleof 'ederal"w or st'lule allelrng Ih,1 such ObhlOl IS insolvent or unable 10 PI' debts IS lhey mature Of under Iny provision of ttle rtderaf Ban)luPlc, Cod!; (lIthe !nlr, olan'fUdvnenl'lainsllnrOblilOf or In,ol Obllror's propert, whICh remllns unuhsll!d IOf Mten fl51 dl,s: 1411he IUUI"IOf .n, .ltJchmenlleYy or plniihmerlt .,ainst In, ptopettr 01 an, Obll101; 151111e occul/.nce of Iny substanhalchanleinlhellnanCillcondrbon ot an,Oblip lIlhlCh. if1lhe sole.r',,,,na tile Iood flllh ludrmenl 01 Lender is maleriaUy IdVff",lGJ lhe sale or In or subst.nblll, an 01 lhe nsels. Of ch.nR! In ownership. or the dlssolubon. hquidaliofl, melltl. consolid.bon Of 'tOfl,nllalion 01 In, Obfrl'Of l'lhtCh is a corpoflllOn or partnefihip, WIthout lheelpress pliOI' 'IIrllten COIIsenl or lender; l1J lhede.th. 1I'IC.I'ct1 ,lIOn 0' adJudlClliofl olleul incompetence 01 Iny Obliaor who IS I naluIII person: fBlllanr II1lorm'tion S1ln,lu'e lurnlshed 10 l.nder b, an, OtwlOf .1 In, lunl in connection wllh In, ollhe li'btLbn. or In ,,<<lion wllh ,n, IUII.nt, Of sur.ly 'l'rtmenIIPDhcablelo .nyolllle Lilbllrtirs. is f.ke or tncOl'fCt; Of f9I lallure ol.n, OblllOf 10 11~ly fulnish 10 lendet such IlI1Incial.nd other information u lender ma, tlSOfl'b/y requeslor reqUtle (SEAt1 I EXHIBIT (!J as billed, UNDII'S IIDHrs UPON O[FAUU: N.tdhstanclinl ..ylhlnllol'" contral'/ClIIllalllld hOt.n" ""'""".. or Ihe ',ct thai Debtor mar be required to mi., Principal,ndlor inlerest payments lrom lime 10 time. if lhis Hote is pa,.bIe upon dem.nd, lender mlr demand Plrment of III outstandinl Principal,nd ICCtued inlerest 'I.ny time, lIlhether Of not an Event of Def.ult shih have occurred. In Inr mnt. upon the occurrence of In, henlol 001..11. [..def mar do..y " ,I ~ I"'_t (I) Iccelerale the maturity of this Hole Ind demlnd Immediate PI,ment of III oubundml Princip.wl.nd ICcrued inleresl Debtor 'Irees 10 Plr interesl II the file provided In this Note on IU such aums unbllendef has fCtUllfr feceived pa,ment in lun lhereof, even if lender his obtained judcmentlllinst Debtor therelore. (21 pursu.nt 10 the Wa",nl of Attorney contained herrin. confess iudvntnl'l.inst Debtor, Of .ny 01 them (31 elerase lender's lilhl 01 set.oll Ind .n of ttle rilhtJ. Plh'iJecn Ind remedIeS of I secured PlIty under Ihe Penns,lvlnia Uniform Commercill Code and all of tis fiahls Ind remedIeS under .n, security Ilfeement pttdee IlreemenllSSil"menl mortllle, power, this Hote or .n, other note. or other Ilfeemenlltlstlumenl or document muld in connection lIJlth Of lI!sinl out of .nr ollhe liabilities, III of which remedIeS Ulall be cumul.tIVe and not alternalIVe. lite net pr<<eeds oI.n, con,tera' heij by lender IS securlt, lor In, ollllf liabt~bes sh.n be Ipplled lirst tottle elpenses oflender in prtpltan,lhe coII.ler,1 for sale, selbnllnd ttle Itle. includinc. 'Mthoul lImltabon. relson.ble Ittorney.s fees.Ad elptrlstS encurred by tender (indudlnl IHS.nd elptoses olin, hliUlion incidtnt 10 an, 01 ItIe lorflOind,.net s:'COnd, in such order ,IS lender may, 1ft lis sofe dlscrelion. elect to the comptete sal",flction olin of the Uabilrlin tocettler wilh.1I interest lheleon ObIIIOf w,iwes Ind '''tlstS an, tlJht to 'equire lender 10 collecl 'ny ollhe liablllties to lender flom an, oltle, cobter,1 under Inr lheor, 01 mlrshallinl of ISwls or oIhet.ise..nd speahcally luthoriles lender 10 ,pply ,n, (oIlateral in which Oblip has any rilht title or interest Illin,t In, of the Obhp's liabihlies to lender in .n, mlnner 1hal lender ma, delermine. 14) Upon fIYtl51 d"s '11ll1ten nollC. 10 Deblor, btlln Iccrulnlintertilll1 addition 10 Ihe Inletest provided for lbore, It an~,111 rale not 10 elceed lour peltent 14'1 per annum on ItIe unpaid PrrnclPlI bal.nce; provtdPd. ho",.rer, Ihal no mlertil shalllcCtUf hereunder in elcessolthe m'limum amount of Inlereslth", 1IIo1lled b, Ufl'. Otblor alfers 10 pay such accrued interesl upon demand WARRANI or AnORNEY: Oeblof, and efCh ollhern rl more than one, hereby "ltwocabl, .Iulhorll!s Ind empowefs'n, AllOlne,o, .n, Clerk olan,cou,lolrecold PIlOt 10, upon,or allff ItIe occurrenceol.ny Ev!nlol Dellull.as sp!(dled ,bovt,IOlpPl'lIlor and CONfESS JUDGMENT 'I,,"sl DebIOl, or In, ollhem, lallOf such sums IS Ife due ,ndlor m.ay become due on the lllblfltlt!., .nd/Ollbl m Iny adlDO 01 Itple'ttn 'nstlluled b, tender loobla;n pouesSlOn olan, colllletll secullftllhls Note 01 secullnl.n, ol ~he lllbllltles, In trlher cast *tfh or *llhoul declltlhoo. with cosls 01 wll. wlthoul sl., 01 elecubon and ""Ih .n amounl 00110 eltled MI!tn percenlllS"1 ollhe llnPlId prmc1pal.mount 01 such judlmenl, but nollns lhln One IhouUnd Dollm ($1,001100), added lor 1II0lne,'s coIIecbon lees DebIOl: III W,IVes lhe r'lhtof Inqu~tJon on .In, lulestlle lerlld on, volunuld, condemns the ume. lulhoUles the Prolhonolar, or C1e,. to enler upon lilt Writ 01 hKullon said rofunl"~ condfmnabon and al'm Ih.t Slid Ie.ll esl.lte m,y be sold on I Will 01 hKuhon, 121 10 tile eltenl pelmlllrd b, I,., .'ives Ind relelses III rellel "om an .ppraisem.nl, sl", lump"on 01 Ippe.lla.s of .n, slale no" In lorce or he,eafter ""tled;.nd (3) leleases.n erlOls In such prOCmimgs Ila COPfof thiS Nole, Yffllted b, alMnl1 b, 01 on beh,11 of lender ,hili hare been flied In such .Icbon, It shill nol be necessar, to IlIethe OIllrnll Note IS. WJflinlol AIIOInty. 'he .ulhorlt, Ind po.er to apPfallOf Jnd tnler rudiment 1111n,1 Deblol Ulan not beflh.uslt'd b, Ihe iAlt..1 elercise thereol,lnd ItIt same ma, beemcr..ed, hom lime 10 hme.as olten IS lender shall deem nKlSSlr, and dtsllable,and IhlS Hole ,h.ln b! a SufflClenl Wlllant Iherelore.lendt! ml~ enler one or mOre judrmenls In the same Or dtllerent counlies for .11 01 PlllOf the lllblhlllS, '111(houl fellld 10 whelher ludlmenl tIIs been enltted on more tllln one OCcaSIOn for Ihe ume li.biIrtles In Ihe 'Yfnt an'lud&mentenlered a,llnst Debtor hereunder is slid", or opened upon .ppllc.tion b, Of on Deblor's behalllor .n, reason lIlh.tSDevel.lender IS hereby 'ulhorlZed Ind empoweled 10 allln Illptat lor Ind Confess 1udlmtnl'lllnsl Deblor OIlny ollhem; subtecl ho'fIrem. to ItIt hm.lahon thai 'uch substQuent enll, or fnllltS of ludlment b, lender m" only be done 10 Cure In, errors in prlOt procftr:hnrs. onl,'nd to lhe fllenl thll wch tltOfl Ire subject to cUle In the Ialer proceedlllfS IS[AtI Attlll Name and hlle ItDRI'OIlAIE SIAlI -1985 9ANCOHSUMER SlRVIC[.INC ** As collateral for this note we have signed a separate Security Agreement and UCC-l. We have also signed a Mortgage Agreement on property located st 2735 Ritner Highway. Carlisle. PA 17013. ,..PAlllm: UnIm a1htfwill 'I'ood 10 In 1lriII'1 bt Do",,",lhiI Hall...,,, pl.pold In _"In port. II.., 1lmt_I_III _,~ IlIt P'"IClpoloflhlo Hall ~"poyollloln""'I_"':IlICh _.-wl~lpeIiodl"'Io""uocI.....nt..ltlIdIIoofpl",,.,.................""~ofltlllotl ".......""poid_lpolpo'_Io_d...llIdltll....bofof_d..""'uncIIIlhIII~ ,,,,,,pIIldlnjo .Id",Id. No Iuth pllpo.-Ihd rldutlltlll_ofltll..""'........_b... ..... _..... po'''II'''''''ulICI _........ "'" _po""""........... PrIndpoI d.. ""'""""hlCClUlCl__hl......poidlnlul. Dlllumll.T Of PIOCIIDI: IJCh _ hIr~..-.1Id ..........~IIlItItllPrillClpo/of IhilNaIt..btUlldIOllllIor........o<'_..._...._IIlIt..,_alltlI "_aI 1M NaIt, ".., _1""....101.. """...,_ .'"'''''''''' ,,_.. _utt_........aIluth"illdpol..,IldIorItll_of.._ IKlHT TO COIPIITlIOTI: lolldtr..., 11..'.... ....,............... _ _10 I.. 0bIip: III d,b 11m HaIIn 01 thl d,,, w!lI. thllol. nidi.... ""~ .nlllde; III ""pIoto 1..1iII.k1poca ICtotduIllo the "'10' Upoll wtlich lIndll hi,.""" """ IoIlI; IIId m"... 1tlI...."'" of "" 0< mor. ptftOllSlobllddldnldd......__InI...I',_llIlmlIl.lltlI..billlyofltll.listi.1 Oblo....lollndll. 1IItIUnlOUI:DoblOlhlftbt.,_PlIIIII._ofpl_..--,_of- '1Id dtm,lId. DoblOl ""'bt """ IIId ...... II ....... _ ....imperftctiOln In .., prouIdlnl ~ ~_ z~ enneth H. R 0 ph Vivisn L. Randolph -l " II.\HCOHSUMlR FOAM PA 170 (110I. .VIS) " , _ bt ~ _ltlIllflMof IIliiHall. _'1'"''' ,..._ lolldll I" oIItoSb, lndudo'l tlUrt_.1Id ..._IiII.....lItj. ,",of'Sli lbutln ..........."".Il.DllOlof 1tlI1aIII1_..d.. hor_.In"..ldbt~ln_witIlltll_......"'-""....nIllilNalt~Il' In"'''' """''''''' ..\IIt,olll_lIloclnl..,,,,, by~" oIhmk...1ilM101lmt nlllt "i... RoII,IlIIIIIIII."_,,Iht_RIIIlnlll<<1k...IimI..limlnlttbtltll'Idorol""""'IIf.. 1n__Iht~~IotIIId"""""InItllIl"oflrlllfat""........__..Iht..,, .._IlIChrtl......"..'hI...."....,'IdorIl-..IIf..__tlII....InIllIlntou..Rob.n IlIIlIl<tbll. Thtrtchb....pIiwlIqnoflJndll_lhIoHallWllIn...lolhtbtntbtallll..........,1Id I......AIII1........_.II..-,nd..._ofOblrp......III_witIlIllilHallw.~1Id 0bIi..... ""1OI1I1....-lItim,htIn............... ,al",. n.., pl_aI lhIo Hall ,lIOn lor .., "..on be hetd III be inVlId Of' unenfortubll. such InYalidity Of unenforulbMy wi not ailed In, Dthtf pl""""""...,buIlh1oHall.....~"""'uocI"H"""In'oIid"UIlIft......bIIpl_hld__ contaiMd heflin. Thewliver lI.n, btnl 01 OIlluM Of the '11Iufl olltndtr to 'Ilfcdt In, ritM Of rtmtcl, 10 _. ...,~ _ III..... ~dttmtd ".",of.., ..buQ....IWIIllof Dttlull" of I......' ,,,hllO ...."" ""101..' """ rilht 0< """'"10 wtlich ~ konlillld. 1M Hall """""_lid IoII1d _plldbtlJndlllnllld.....~_llIdbtlhtk..ofIlltCoro__of"'IllIIy!wI...,_'ldll~ k. _... IppI... ,Ilt portillll'" 10 Iht jurioIitliorI of Iht _~ IIId tlIk tMb IotIIlllIn Ptnnl,IVlniI in connection with In, lIIIttIf Ifisin. hertundlf. Indudinl the collection and enforc'lI'IInt htltof. . ... ',' ." : " ~ Xenneth H. , Vi,'ian r... ~}I"rfn'r" :f 1'112 P!'"Rer Hi9h'.:.IYr CArlisler [J). '79'J FOR VALUE RECEIVED AND INTENDING TO BE LEGALLY BOUND HEREBY. the person or persons who sign as debtor below (each jOintly and severally liable If more than one person and hereinafter referred to as "Debtor", promises to pay 10 the order 01 ("lender") FARMERS TRUST COMPANY, I West HI&II Str..~ P. O. Box 220, Carllal., PI, 17013 II any of lender's branch olficeJ, the Principal sum 01 THTRTV_PTVF. THOII!lIlNn liNn Noll nn................................. Dollars in lawful money of the United Slates, 10 be paid as follows: Principal and Interest payable in 46 equal monthly installments of $904.66 each, commencing on the 10th day of January, 1995, and continuing on the 10th day of each month thereafter and in one final installment of $904.66 on the 10th day of December, 1998. Any increase or decresse in the amount of= interest due caused by early or late payments will be reflected in the final installment, which will be modified accordingly. 11% fixed Interest lrom the dale 01 this Nole shall accrue on th~ unp!id Princip!I balance hereIJl allhe rate of , 35.000.00 PROMISSORY NOTE ~~ ~enneth RandolDh Pavtnq & SAAl rnA~~n9 and shall be payable montnlY S[CURITY umllST: As SKUrlty foIthe prompt ....'ment.s.nd when dueollllamounbd~ undtf thilNole, inchxtlnl.ny fftlf"'ts. nlemions .nd/Of modlhc.hons lhereof, t01f11'lef with al olhef taGtinl.nd Iulufe kablhllM Ind obbClbcm 01 OebtIlf, Ol' any of lhem.to ltlMte, "hethellbsolute 01' contltlcenl ol.ny nllu" "h.lwevef Ind oul 01 "h.lev!f tl.nSldion'"lSlnl (h!f!1natter collKlIvely "Ielled to IS the "lliblllltes1,ln Iddltlon 10 any olhef SKllnty IlfetmtntOl' documenlll'anhnclendef .ny flChbln any 01 Obhrot's r'Oblip", IS used hel!!n, shd include Debtor Ind .11 olher person' hlble. f11tlt, .bsoIulely 01 contlneentl" on the li.bllitles. Incluchl'lC endOtSefS, svret'" .nd I\llflnlors) property 101 the purpose 01 weullnl the lilblktl!l. ObhlOr.c~no"''rdcn lender's IIChl 01 setOtllnd lurthfl hereby I'lnb 10 ltnd!f I lien and SKurdy Intetes! In .nd to .11 property olObhp. Of an, 0I1hem. which at.ny Innele. stili hIVe in lis posseuion.Ol' whichl\ In tr.nSlt 10 Illnchxhnl wl\hotJt lImll.bon Iny bll.oce 01' shlle betonllnl to ObblOr, or any 01 them. 01 any deposJt.llencY,llusl esmwor elhe. Iccounl or accounts .It" lender and Inyother amounts "hlch may be O"lnl"om lIme 10 lime by lender 10 ObhlOf, Of Iny oIlhem. Slid ben Ind SKUll" mlerest sh.1I be independent ollender.s .llht 01 moll, which. II eaerciSfd. ,"'II be deemed to occu' .t the IIfllf lender lilst restlleh access 01 01141101 to Pfoptft, in lender's polWUlOI1. allhou&h such set-olf Ny be entered upon lende"s booh and ,!COIds.1 alaler lime. o II ehec.ed. O!blOl 'I,m Ihlt Ihts Holt t\ al'nt'JI.I of the P,omaSOfY Nole dlled , 19_.lnd IhJl. .htlher or noIaddrllONlllunch .re Idwlnced htf!11'1Ih. Ihls Nole t\ not Inlendtd 10 tlt.le .lot.1Iy ""' debt. lIlrnde1wll CM" I pufChase mone, Of other SKUIII, InlPltsl In connKlton "lIh Ihe pllOl P,OII1lS\Oly Nole, Ih.1 SKulrly Nllffnt ShIll be letllned by bnder in connechonwl\hlhrsNote. UNCONDIf IONAlllABllITY: Obhco"'s Iiabdr!y shal be Uncondlbonlllnd .Ithoul relard 10 the kablkly 01 an, other ObIlCOf.'OO ,h.11 not beallecled by any induf&ence,e1lenSfOn 01 lime. lentW.l. WIIVff Of modlllCallOnol Ihis Nole. or lhe lelelse. subslltutlon and/or adchbonolculaleral SKu"ty Sol IMllote. ObblOf consents to any .nd.lI PllenslOn'olllme. f!new.1s. w.n-f1sor modlllUllOM.lSWenll tothe ItIe.st, subslllullOn or addlbon 01 Obligors .nd/Ol' colbleul seamt" without nobte 10 Oblleor and ",thou! '"KllnC OblflO"s babl.ly hereunder or under lhe liabllltles. ThiS Nole is enMed 10 Ihe benellts 01 any Io.n '1Iefmenll". SUlet, .nd/or 1U.llnty Illttmenllt), SKUIII, :lIt1tfmenlhl. morlllJletsl, IUlcnmenlls,. and/or oU\fr such Ilun documenl, IlelellN 10 1\ the 'loan Oocumenln nwtd In eonn.dlOn Wllh Ih, li.blhllf'i, .tlflhe, !lKulfd PfevlOU1fy 10 01 concurrenlly ",Ih, 01 10 bP el~uttd tulmQlltnllo.lhitNnle.andwhlth m.y bt'1"",nded.modlllfd. ffntftd Of wbstltuted ""thoul .1IKbnllln .n, '''' lilt valldlt, Of enlOfcelblhl, oIlhts NoIe [YENtS Of DUAULT: Each ollhe fobowlnc shall be In ~Event 04 Dtflull" M,eunder: (1Ilhe nonPl,ment "hen due. 01 II lhrs IS a dtm.nd obllClbon. upon demand, ol,ny amount pay.bIe under Iht\ Hole or ol.ny .mounl ",hf!n due und!f 01 on Iny ollhe ll.blbhn. Of lhe "lhI'e oIlny ObIilOf to obwfve Of pelfolm Iny IRltfmenl 01 .n, n.lur, wh.honer "llh tender,locludJl'lL but not h""led 10, lhose conlllnt'd In lhe lNn Documtnls.!n II Iny OblrROf becomn Insolvrnl or mI~ an Il~cnrnenllor lhe benefit 01 CtedltOCS. orll.n, pellllon t\!IIed by or 'Cllnsl.n, ObhlOl undff .ny prOYl1ionol any sllleollfdfflllaw Of ,lllule alleflnlllhal suth Obligol t\ mtolvenl 01 unlble 10 pay debts IS lhey malUff 01 under .ny provISIOn ollhe rederal Bin k. uplty Code; lJIthe enlfY ol.ny I\Idcrnenl 11I.1n51 any Obbcor OIlny 01 Obfttol.s PI.,I, "hlCh fernall'lS unuh\lll'd tor liItrfn 115) da,s; 1411he MIMIOI an, IlllChment,1evy Of aalmhmrntalllnttany Pfoprtt,ol In, Obllll:Of.IS} Ihe ottUllrnte ol.n, subslanbll ch.nlflnthl!' Ilnal'lt1l1conddlOnof any ObllCOl' "hlCh. m lhe 50". rusonlble rood 1IIIh ludlment ollendtl IS malerl.1Iy JdYtl~.I61lhe saltol an or 'ubstanll.1U, an ollht .mls. 01 chinle m ofl'nel5hrp, OIlhe dlssolubon.IrqUtdalion, merlt', cornohdlbon 01' lrofllnllabon ol.n, Obllf;Ol ",ht<:h I5lcorPClllbon or partnenhrp. 'nlhoullheuplPSS pllOI,,'ltltnconsentollendtt; (1) lhedelth. ,ncl rerr Ihon 01 JdludlClhon 0114tp1 WICOITJpelrnce olan, Obhaor "ho it a nalulIl pmon,l8J II Ill} rnlocm.11OI1 Of slln~lurt lurnrshtd 10 lender by .ny ObflROf II.ny I""e tn connechon "ilh In, 01 the llabrbhes. Olin connl'ellnn '" Ilh .n, lIulI.nl, or sUlel, IlIlft""nt Ipphcablt 10 Iny ollhe ll.lbllJllI!S, " llhe 01' Incorrecl Of t9l Ihe Ia-Iule olIn, ObhgOllo Ilmely lull'llSh to ltndrl such financial and othet InlOlmlbon IS lendef may IUSOI1Ib1,'eQuMlocrtQUlre lOin' loa';J.l:s<l- -'1001 D.1IcI DecembAr q .19.3.4. of ?"'l~ D~ tR9r Hi~b".il.Y. C2rlisle r P.'\ 1701] as billed, UNOIR'S RIGHIS UPON DIfAULT: Not""hsl,ndml.nylhi'II.lhecontllryconltmed h....OI .1...11.... or Ihe Ilct Ihlt Debtor ml, be ,equi,ed to make Printipal.nd/or rntern1 payment.lrom time 10 lime, Illh" Nole IS p,y,ble upon demand, hnder may dem.nd plymenlolall outsUndi"1 Principal.nd accrued mleresl .t Iny 11m.. w!lethel or not In bent 01 Dellult shlD hav. occulfed.ln any evenl upon lbe occurrence ol.n~ bent 01 Def.ult. hnder may do Iny Of a' oIltIe lo8owina: UI Itcelmll the malullty 01 this Note Ind demlnd immedlale paYlNnt 01 .11 oublloolnc Plinclpal Ind .ccrued Inlerest. Debtor alren to pay '"ternt .It the file plovlded in IhlS Note on aI1 such 'ums unhllender hIS actuall, 'KeIVed PI,ment in Iud thereof, even" lendet' has otJlained judpent api"" Debtor Itltrelole 12) pUlluant 10 the Wanlnt 01 Anorney contained heflin, confess iudlment Illinst Deblof, OIlny 01 thtm 131elettne lender'slich' 01 set-oll.nd an oIthe nahts. pnvilqts Ind remedIeS ollSKUTedparty undtllhl' Penns,tvlni. Uniform Commtlaal Code .nd aU 01 its riahts and remedies undtr Iny SKullly .tlre""ol p1edle avremenl 1S$llIImenl mortalre. powet, 1M Noteor any other note. or ottIef 'lfftl1lfflllf\stlumenl 01 document issued in connection with Of arGina out of .n, 01 the lllbd4in. aD oI.hidr ,emedin shill ~ cumulatIVe and nolallelnal/Ye.. The net proceecb of InJ coIIlteral held by lender IS SKUnty for Iny ollhl' liabllltle' ,h.1I be .pplled IlIst IG the elpl!l1SfS 01 lender in prtpllUlI the collaterlllllf sale. seUrnl.nd the 1M Includln&. wrlhout hmll.lron.lelSonlble attorney's 1m Itld elpenstl IC1CUlled by Lender (IIldtJdml'ttS.OlI el penm olin, hllClllOn incident 10 any 01 the 100e&OineJ. and SKond, m such order, IS ltndff m.y. In liS solI' drscretron, eltcllo lhe complete UtrslKtlOl1 01 III ollhe liabtllllfS to&ethet Wllh 111 rnlffest theleon Obllvor W,lYn and .eifaws Iny IIChl to ,eqUlre lender 10 coiled .ny 01 the liabilllll!5 to lendet from .ny olhrl collaleral under any Iheory 01 manhlllinl 01 ISseis 01' otherwISe. and spetillClU, .uthollln lender to IPP'V Jny collater.lln which ObtllO' hlSlny Jlcht.lIt1e Of Inlernt aCllntt .nyollH OblllOfs Uablkbeslo lendtr m ..ny mlnnet that lender ma, detelmine. 141 Upon Ilwe 15) dlYS .,ilten nobCe 10 Debtor, beern Icctull1Cinl!rest. in addItion tothe lOlern' p.ovlllt'd 101 above. It an".t .I "te not to rlcred lour p!rcenll4'il ptf .nnum on the unpad Princtpal ballnc!: plovll1ell however,thlt no ItlleftSl shallaccruehereundel in elcfSSollhe mllimum .mountol Interest Ihen .11o",~ b. law. Debtoc 'Irees to pa, such accrued interest upon dem.nd. WARUN' Of AnORNEY: Debtor, and elch ollhem II mOle Ih.n one, hereby jllnocabl, aulhollles .11'1,1 empowtlS Iny Allorne,of anyClelkolan,coull 01 'KOtd pllOllo. upoftOI aile. lheoccul,enceol.n, [vpnl (\1 Oelault. aupeelhed .bove,lolppeIlIOl.nd CONfESS JUDGMENT Ipln'IDebtof, 01 ,n, 01 lhem. III Illl such sums n ,\Ie r.lue .net/Of 1001, become due on Ihe lllblhhn.II'lIIIOIlblln an, .ctlOn olleplrv1n Inslllulrd b, lendr. to obi.," poS\6SlOn 01 any Collale,,1 secUllflClhls Nolfot Rtullnranyol theltlblhlltS. In tither c,nl' fI,lh o'''llhoul declalltlOn, w,lhcosts 01 SUll. Without sta, 01 uecuhonand .llh an all'lOUntnot loelcted hllrfll percent 115\' oltht unpjG p'lOC1pal.mount 01 such ludcmenl, but nolless thIn One Tllouund DoHm 1$1.000001, .dded 100.lIolne"scollectlOn lees O!blol: III w,lmlhe IIlhlollnQutSltlOl1on.lny lul r~ld'I' irviN on. ,oIunUuly condemns the same. aulhoflln the P,olhonolllY o. Oelk 10 enler upon the VM (I beculron uld volunlllY condemn.lron .nd .IC'ffS thai said lul est.le m.y be sold on a Will 01 [Ifiulloo 12)10 the ellenl pclmllted by taw, Wllm.nd releases.1I lehel hom an ,ppl.lwmenl. 'II,. elemphon (II apOt.ltafl' 01 an, ~I.le now In IOfce or h!lult!l enacled. and llJ releases In tnorS In ,uch orOCl't'dlniS II., copy ollhls Nole. vtllhed by alldnlt by or on behlll ollendef ~trall have been Med In such athOn,l1 !.h~r: no! be nfitUlly 10 lile Ihe olllllnal Nole asa Wllfanlof Alto.ne, 'he IUthOflly Ind po"e' 10 appea, 101 And cr.l'" ludlmenl IC'lnSt Debtor shan nol be eahlusled b, the Inlllll elrrcnt theleol, .nd Ihe ume m., be PIl'I (I~rll Irom tllne 10 time. IS ollrn IS lrnder sh.lI detm nectSsaly.nd deSlr.b1e,.nd thiS Nole shill bt I sulll( "111 Wlllanllhtfelole.lende' mly entet oneOl mollludcmrnls In lhe ume Of dlllerentcOtlntl!t IOt.n 01 pdll '11 the ll4blbbes. w,lhoullfl,lId 10 "hethelludRment ha, betn l'tlttlrd on moce IhJn one occawn IOllhe ~311'(' lllblhtlfl In Ihe rvenl any ludcmenl enl!led '1llnsl Deblor htleundellS slrden 01 opened upon Ippllt.dl'\JI1 b, Of on Debtor', bthall 101 any lI.son whalwvtl,lendel t\ herrb, aulholllrd and empowtlN 10 .~J'" IPpelllor and Coal'" JudC",enl alllnSt Deblor or .ny 01 tlltm. subtecl bawtve" to Ihe RmII.Jhon Ihll sueh sub5equentenl'r 01 fntllnol judlment by lender N' onI,bedone 10cUfe.n, euOls In pilOt DIOCttl1l'll', onlyandlotheellentthalsucherlorsllesubtetttOCUlemlhelllelP'ocetdlnl' THE PROVISIONS ON THE REVERSE SIDE ARE PART OF THIS NOTE. Debtor has duly eleculed this NDte Ihe day and year first above wrillen and has hereunto sel Debtor's hand and seal. IINOl'IIOUAL EBIORrSI Sl 0\\1 ICORPORAIION OR PAR1NERSlIIP DIBIORISl SIGN BELOW! Kenneth Randolph Paving & Seal Coat~N~ lUjf'l! PlIIIIf 01 Corl'J('f'11On or P nhlp ** As collateral for this note we have signed a separate Security Agreement snd UCC-l. We have also signed a Mortgage Agreement on property located at 2735 Ritner Highway, Carlisle, PA 17013. ,II,A,IIIII: u......"..,.... .p....I... ..ttiolby Doblot, IhIs NoI. ...,,,, pr.poid I. _"In part, II In, flint WIthout PtMltr. ....., If '''' PrIllCJpll of this Noll " ftpl,.bIt '" tnllllIMntl. My tudl prf(l.ymtnh wi be... h'dlolte,utd Inltfnl lei ttltdlllol pteparlMlll.ndlhenDnluountol UlIlau rtln.mUlI unpaid '"ncipal pa,menlla betomt due..1Id lilt nUMbel It lft$blmenl1 dloll htltttnder "'allM wltspondlnllr reduced No weh plIf1t1,menl1 ",.1 .tdutllhl.mounts II thl Kheduled Inll.lmtnb not' 'rl'hl! OtbtOf tr"" P.ytftlI w:htduled inll.d_"1 on tKh tMt.Umtnt Plrme"t d.tt unlit.. Pllncipal due klrr1hff Mitt Kcrued lnllfnllhtrron hu bltn paid in I. OISIUISIIIA' Of ,IDCIIOI: IK~ DobIar ilttoby'IlIl.......nd .""n~ 10 lIndIf 1~.1I11t Pr'ncIpIi" Ihls NoI, .. be used ..., IOf IMnlntss Of com_cui pufpoltS.nd qrttl ""I.n, dtsbuntmtnt 01 the Pnnc1pal04 IhrS Nol', or an, porbon theftof. to In, "" III mor, Otblofl. ....n conclUSlvet, be ~etmld 10 can,I,lul. d1Ibu,SffMftI 01 such PnnoPllIo .... lor lht benIflI DI.. Drbtorl. AIOHT 10 COMPIIlIIOll: 1_"" .I..'.....nd 1'...1....10...., W1I""'1 """.10 on, Dl>kl": III dlle Ih" Not. IS ollh, d.11 when Ih,loIn ,wideneed htlnr.1S mlde; (2) com",," .n, blank 'PI ct. IccOfdm.lll tile lerms upon which Lendtr ""....ntld such loin; Ind 13) UU$f lht 1I1"11u1t 01 OM or mor, ptnonslo be Idded as IddlllONl Dtbton wdhoul in .n, .,, .Urchnl or blllibn, the bblW, 01 the 'Ustinl OtlIteorSlolrndef. IISCIlIAAIOUI: Do"" "".by._lIfolesl.nob<I" pr~"" pr....I..... IIMonor, _,"d_ Ind dlmlnll. DHtor hefeb, ..Ms .1Id felentS II KfOfL delecb .nII Nnptl'leclionl en .n, PfOCeedlft' ~~- ~~ Kenneth H. R 0 ph Vivisn L. Randolph . "".\.,<"""'-':'.."._. ,;":"F-'---"";:'~:";;'~-~"':'~-" ,-' 'v~ -t:e" ,.. .' ( , inlblvtld br Lind., und., lhIltf"" oJ lhis Hot.. Debtor 'lfm to 'tllllbu,.. Llndtf lor III COltS.lfIChlltll' '''~'.'I..nd ".....III..""..(II"'oIl~' 1IMd" no ....1.... """ II,QOCIfollllo....I'_nl d, iltt.-.. ",..'od by IInd.. ill............~ Illo._.nd onlarcornotll ilttool.III"" NoI. ...' Inl"""I'"II"1Id on 'III flltflnct fill _",alld b, LindH Of othI""OII "1M lO blM II thll PlIIll FlIlt, Bill RIIt.or DItttf......1ht 0iKUIt FlIllln,tlecllfornbmllobmllSlIt b,lhe r..1 1Int1" Bin in .hoIt d1lll1cllht Land".. kluttd. c"'nan 1ft the fill of "'1ft1lt btltoll WI bttomt tnave onlh! dh on ,,""" IUCh fI'"'net flttchlnanOf tIlIl rtdtfll AtstfVlBank IMOUnttlchlnanlftlb Discount Rll,. I 1.,bIt. till n&hb lad pmiAten 01 LtncStr "ndlf 1M Nol.1hIIl in"" IG thl bentlll oIu WtCtUOfS .111 IIIICftL NtflPflWllllbOM. .,ff.ntltslnd IIf.emenbol 0bll1Of mldtincDMtdlon .ltl'l "'" Hole wit bin ObbCOf", PllSOft1I frpltseflllllfll, ......1UCCIUllfI.nd ISSlCftt.lf .n, Pfomioll 01 tlus Holt "".'01 In ".101I be htld to be 1n.1Iid Of unenlolcubit,lUdl tn,'hdd, Of untnforcllblld, Wi not Irsect .n, nllll PflmSolOll htfeot. bul Ulq NoI, PI' be COMbued Ill' weh in.1lld Of unenfolu.bIt p10Wl1i0n had never brl" conllirled hertln.lhe .aimolln, [Ylnl 01 DtllullOf the Ililutlol LandtllO....ctIt .n, nlhl Of 'Ilm,d,1 .hlCh. mI,betllbUld "". not bedetmed. ,,1fYtf oI.n, wbMQUlnl Ewenl 01 DlllullOfol L.nder', Ilchll ..erase IIl11 Of In, CICbI, fi&hl Of ,tmedr to 'IINth lender tt entrtled. fhiI Holt hll bttn dtlrvered to In< acc.pted by lender in Ind.. be lOYI,ned br t"'laWl oIthe Common_lIh 01 Ptnnsrh'....., unit" f rdl'I.' law other.. Ipplin. 1M partin Ilfet 10 IhI ;ul'1Sdlcbon oIlhiltderlllRd "'It coulls louted It Penns,lrlnilln tonllfCbon tnlh In, mltllr Irisin, htftunder. tncIudinl tht coIltcbon .nd enlOltemen ilttool. ., , . , ! ..('.... . ....:.....:.t'~ .:;tI. . ..- " . . ,-, ...... .. . , . , , . , . m. 'UD . , 1IIIlI... t'! <4 _ 01 >>1~ in tIloI ,.~ or 001I looId .... tIloo..noI al", 1IIndr.I.~ CUll,. IIIlIDI OCIINII I, 11Ift IDIILIIU R, 1IIIlio, I1IIIbmI MIl Witl, or , .... ...... flMIIIllp, ~U"oI CIIIn~, """'1~""1. 1lU.lllIftft ,,'ullll .11I1 . tI:1I1 . ;l~ If :(f)le I'";Q~' '/11I;', lIl1lIUlI1It. 1Ia. I" '_lllo&uIOll oIll1le fNnll1lll 'lYllII~four fhoIItonol , 0IlII 1111.. Dollna (,m,",.,,) III Iwld paid, tIllt '_Ipt *not lallltnlrf llClIlIlowIlIIgwoI, tIla 11I101 arllltoll do Ilal'tlljl gr.nk IIloI :::3 to the 11I101 OnlIteetI tIlIlr IlIla IIllI _I" .. tlnDnta b'f thI.l\hl lell ._"a.. AU. 'IllU CCIlaJM tract 01 11"'111"'" I. .....,hsInollorI ;....,qlp, QIdlMlAnd 111"""1111:1 ClIaIlcr, fwla1l_II, - fu1110 boInIClIIllftd doIcrU....1II tOil_I . r r I I I -II. at. a pil.t In till CIIlterUIlO or u... IIoutIU (RJIMr "I'~J at. 'f' IJ 1eIlIIa 1\01I or foiacr!,.r Cl)oll ., IIolblOV, tllM10e 01.., ..... 1\01I or r_l, .~~ 0111I1. 01.,. e, 1II!/1111f tilt l'ollowlll9 OOUl'NI'lnd dll'""-! III "It I IIorIl1 U ii' ,! dIIr... st alftutal 55 1olCOClIIII...... 311." flft to.... Iron Pl.,1Ionh 7a f II ""*'- ZS a111U1aI .. _ ...1 2'M' 'ftt to OIl 111ft pi., ""'tit U . -- 54 IlInulel II -- IlUt ",.., f... to I poInt I" IllI ~oru.. or " IIId V.I. IllNto 11, tIltc10I "ll/l9 Mid ....torU.. 'tuttl n ~ U a1_ '. 41 lteaIlIlI ...., aMI rtet.to I pOlntl IllI Pl'<le or IllUllfllll. ~~:ii IIDIIIfurth.. oItierlbtcl .. l.oIlIo, J C.IIlWI1 H"I IIlCI 'n", . on tllll ~'oIVc:" ~"lltOll ,lu fOr Cll'III.l. lallb1OV'1I'd Dentlol I. ""'ro, dot1lll Ju1t 7, I,", /'''_1 " pr~1IlI tw ltaPItn Co '1...., ..a.. II'd recordod IIYIlI .... llt....ltII In IllI .., n acn. Of IllIllIcorolar ar llee<Il or CINlarllnd ColIIU/. PI I i AID laiD ~ 01 IU u... aortal. tnct' 01 ..... IllI1ch Cbda I. "'lb1<1 .;.; J OIlIIIIOCII R. 1II1~1l1 by ..... ell"" ~J1 ~7, UN IDII ~1dM III CllQr1a1ll j:1I11~jll/l' 0IuIItY lIHcI BooII 0, Vl1. II, .. "., ,cIIlUd .... ~ to DonI.. I, 1IIIl&0 11.:' . , aIlIS UndI .. 1lIIlIrO. aronton Ilarolft. lAt., '-'w, I ...rtlln ~.., 01 1Ind IItOerlbtcl . f_ A on tIla hlrcvl_ _1_ .....vlllon '111\ "'1. tu", 00GIU .. -.. onoI 'IndI .. ""'ro by ..., dated .... .......w ..... eIIt1a ......u. '.lIIted II\ll ....".,... . Olfdo .. Irtlba.y and Dorta I. IIIlblty. AIl/J IIttntoCI, IIloIICIlII1IIII ~, 3" ANI V1VlIIII ~. aAIIilOtlII, ~_nd 0IllI wlto, oC H' .. Ipcll!llllrdon .towt, CUUllo, ~11IIlI CIWIU/, .....,.V.II, ~. ntanell to UI CunllU, " IlIC(f:.&1 rlt.l113O \ EXtl\et1' .. 1 CL - - , .'") ) ) .. , :;,:.,~.,,."'~,,', ~ ('j c. (. .. I I I ~ " " . ' . . " , . :foi%lt/lor willi III UlI. 1ltI\:IIn u.... " lIIIlI *,"INC .. t'r1Ot a III .... lleulnuo.. _.1.... 1IuIld1v1.len 'lID ...leD C1lIIIor I. MoIIll.r 111II DoIla a, Mol_II\" ....... IIId wl.fo, "'..... ...... IlIrcb U- Inl, ... to lie r-.w - .L81ltcww11ll 'r........ ~""IlInIU" _... Ll.... a._, CIIln"" bereln. AlII tile IItd Clrw.rw herlll1 .....1011\'11III"'.. th.. ~ wl.llllllna. ....1S, W ....l)' ......., -\lI1Id. 18 Vl1lllar 1lIaICt. aa" Grlllto" hlY1I berNlCO a," tIlIl. ...... .... ~ .... Mt .... )'ter fir.. IIlOoIe writLen. .IQlIII,_ IoIllI DlLIYIIIWl .~._- ~} ~~ ClIVo, IfWl CilIttCINlIIIIm III' _rrNAlllA I I. ... IXiUNTr III' CWIIPlAIII I Iln lilli, lilt .?..... doy ol '1'1\""'..(. . I'", IIof... .., .... ......lfIllId Offl_IIltNClllIU, 1IllltN.. Iloneld I. _ """ Llrq .. IUI.. Mown to IIQ I. ... .f_rll, PfO\IIft' co Ilo CIlo PtrlOlll ...... 1_ ar. ~11lod to tho wIthin IDIotr_. 'noI1G1lnMOltiCII rill, ~ ._... .... :,r:.':j"<\~1. - fOr till il"rplIfO !M..ln COlItllllOd. . "';""lJl~. ~~ 1II111T11"' IIlUlOf. J ~ u~ 1M of!le~~l,::-,' r;I~;J.j, jm!"J!tWI..J..'l.'!!!!lIYI ,_~~;_,::". .~, i ~""'m'II;THt " -,qft\~:I GJ.. ~t~:f:I:DI\~I~IM~"1f,!; .~r~l't'tlUt~;j'" '~ /wI,I(Jj} 1.& . lNI . . ~.. : It-" LJ,'J .$/,,,,,,/ '. :' ~ .~. -. J:~k':;~1I!t..: ~ DlII, c.N. c..' ,. ~ ...........-'- >>.........,....... ".- .... I." ,.,.'~ . ".. ~.... r~'CI')tIII .....fal.: ." wj.1l.... : I' i'N '... II U". _ ,.r..... ......... IJ ~ _,_ ~ .. '/6-,.... lift.".. -""",,' ~_ .. '. ~ .' ,-.......CoI,.w...,. ~c..""'-_..~ miF3arAa1t31 .. ACT 111 NonCE TAU ACTION TO IAVI YOUII NOMI'IIOM 'OIlICLOIUIII The Commonwuhh 01 penn.ytvat'MI" Homeowner,' Emergency MortgagIA'.I!tat'ICI P'OQr&m mIIy be able to help you. RNd the loUowtng nOllcato IInd oul how the ptOQram wortll. . . II )'OU need mOIl W1'OIm.uon call thl Plnn.ylvlnll Houllng Flnanee Agency at , t800) 342.2381. LI nohfaclOf1 en adlunlo II de ,uma Importane'l, pull "lCla au dlrec:ho I continual vlvllndo en au CUI. 81 no comprende t4 conllmOO dl .'11 nolllicIClon obllnga una Iraducclon lmmemlllmenl.llam.nda "'I Ivenell IPlnnlylvanl1 HOUllng FlnaneeAGency) 1m cargal " numllO menclonadO ."Iba. PUedll'''' eleglble pa,. un prlllamo pot I' ptOgrlmllUlmadO -Homeown.,.' Em8fgency MonOIOIAlalllance Program- el cue puede ..tver au ca.. dill perdu 011 dllechO. rumlr au hipoleca. ACT 111 NOTICE IMPOIITANTl NOTICI 0' HOMIOWNEIIS'IMIIIOENCY MaIlTOAOI ASSISTANCI PIIOOIIAM, PLEASIIlIAO THIS NOTICE, YOU MAY SIIUOISLI '011 PlNANCIAL ASSISTANCI WHICH CAN IAVI YOUII HOMI '"0M 'OIlICLOaUIII AND HILP YOU MAKI ,urUIII MOIITOAOI PAYMINTS AE: Account No.: 10~.~.t:r:4_q(onl 01": Q/','1/ut;, To:'/iv1....n Randolpph- FROM: L'armert. 'l'ru,;t COm::"lllW You may b. ellglbla for flnancl.1 ...lllInce IhlI will preyant foreclolure on your mortgaga If you comply with tM provlalon' of Ih. Homaowner,' Imerglncy Mortgage Alllltancl Act of 1113 l'h. "ACI', You may bl IUg1b11 far Im.rglncy Ilmporary ...llt.nCI If your dlf.ult hll b.ln Clulld by clrcumlllnc.. blvand vour control, you haYI a ,.lIon.b I protPlct of r..umlng your mong.gl paymlnll, .nd II you mHt other eUglblllty requlramentl .ltabUlhld by the Pannlylyanl. Hauling ,In.nel Agency. Pl.... re.d.U 01 thll Natlcl.lt conlllnl an ..planatlon of your right.. Under Ihe Act, )'ou .r. Intltlld to I 'Imporary IIIV of foreclOlur. on your morlgage for thlrtV (30) days Irom thl dale of Ihll Nollce. During lhal Ume you mUlt Inlnge and atlend a -'ac.to.face- mHung wllh. repr..enl.UVI of thlllender. Of Wllh a d.afgnatld consumer credll counllllng agency, The purpose 01 Ihl, milling II to anempllo woO< out a repaymenl plan, Of 10 OIhlrwlll IItll. your dellnqulncy. ThI, milling mUll occur In Ih. nlllthirty (30) da)'l. If you .ttend a lac"'o-Iacl maeUng wlIh thllllnd.r. or wilh a conlumer crldlt counleling aglnc)' identlllld in Ihl, nouce, no further proceeding In mongage foreclosure may Ilkl placl lor Ihlrty 130} daylahlf lhl dlle or Ihll milling, The name, addre.. and lelephone number of our rlp'II'nlatlve is: J~ck V. Hutchison 1 1/, HiClh Sh!:!"t C~rl&D1H, PA 1701, Telephonl Number: :/4 ~ - 2:.! 1 :.! The name~'J. addrell(II., and phona numba" 01 Ca) deltgnaled conlumer credll counaeJing agencyll..) II (ate): :(\/Cl1 a J(;l G Street CarlJ.sle, PA 17013 Ills only nec.llary 10 IChedul. one rac.lo-face meeting, You lhould advise Ihll lender Immedlalely 01 your IntentiOns. Your mortgage'I'n default becaUle )'ou havllalled to pa)' promptly Inllallmenll 01 pril'lClplland Interelt. al required, for a period olallesl' 1111)' (60) daYI. Thelotal amounl ollhl delinqul~ Is S . , That .~m 111<lud.. 1~lloIIOW1llll: J hlOnl:llJ.. )a ell S v. ...11 '~"Cll bor tile "'ronths of Jul 1995, lHlust ':!95, :ie~)r.el:'1I:H~r 1(J9S_ Your mortgage is allo In delault lor IhelollOWing realonl: If you have Ifled and are unabte 10 relOtve Ihll problem al or Iher your race.lo-facl mHung, you hive Ihe flghl to ~y lor Ilnandal "llllance from Ihe Homeowners' Emergency Mortgage AIII.tance Fund. In order 10 do Ihll, you mUll 1111 oul, lign and lile a compleled Homeowner.'- Emergency Asltllance AppUcauon with one or Ihe deSignated consumer credit counseling agenclll lllled In Ihe allachmenl, An appllCDlion lor asslSlaMee may anI)' be obtamed Irom I conlumer credit counlellng agency. The consumer Cledtl counl8l1ng agenc)' Mllas,l" you In IIDlng oul )'our applicatIOn and WtlllutJn\jt your compleled appliCation to Ihe Pennlylvanla Houttng FlnaneeAglney. Your apphcalion musl ba filed or poslmao<8d. W1lhln Ihlrty (30) daYI 01 your faC.lo.'ace melllng. II,s fldreme/y ,mportan, ,n., you 1,le your applica"on promptly. " you do no' do 10, Of,f you do not follow ,h" oth,r "m" periOdS'" forth In 'his I""", foree/mur, may ptOCfl,d Bgsms, your home Immed,a,e/y. Available lundslor omergency mortgage BIIIslanee are very IImlled. They Will be dISbursed by Ihe Agency under the ellglbtllly cfllena ellablished b)' Ihe ACI, illS odremelv lmportanllhal your apphcallon ba accuratl and compllllln every relpeet. The Pennsylvania HOUSing FlnanceAgency hal Ilaly (60) days to make 8 deCiSion aller II reeOIVes your application. DumlQ Ihal addlllonalllme. no 10reclosureprOCeedtngs will ba pursued agalnll you II )'ou nave mal the lime requirementssel tOf1h above. You Will ba nohhod ChloClIy b)' Ihal Agency 01 III deciSIon on your appllcallon. The Penn~J'lvqm8 HOUSing FlnaneeAgency'l tocaled al2101 North Fronl Slreer. POll 01l1C8 80a6029. Harnlburg. Pennlylvanla 17105, Telephone No, (117) 760.3600 Ot 1.800.342.2397 (Iolllreenumber). Perso 80Q0342.2397, In addItion you may rOC8lY8 anolher nolle: I JSEX,HIBIT . Thai nollcell called the -Nollce 01 IntentiOn to ForeclOlure-, You muSI read both nolle:II.Sinc8 thOy bolh e.-plain 'lghlslhal you now ha . II you chOOle 10 8alrCIII your rlQhll delCnbld In thll nOllce. )'ou cannol be foreclosed upon while you are receiVing Ihal alllltaoce. c.i i' \.: ~ HUf..ci.l::l.'I1, IC"ll~.LtJ.ni. -.;:::';i('Ci. HEMA Rev. 2 8194 ~ ,- . NOTICE OF INTENTION, TO FORECLOSE MORTGAGE TO: . . t;' r" ::.- ,~, ( . q i' . .~ '.,..... .,' , ,. \'", olt. of Notice 9/" 1 " " " . "i 1 "~ '. I) '.,t" LOin No.' II' '. ': -.' _r.r". The MORTGAGE held by :'::"",(;1;.1 '~t'\JEt Curnnnv (hereinafter we, us or ours) on your property loceted at :. 73 5 lU tn"r :lier-l""_' ell r 11 ,-1,., .J;, IS IN SERIOUS DEFAULT because you have not made the monthly payments of $ roo", ~ ( for the months of .-n~.'.' i\\ ,.;UC:l~.t.t 1~'9j ,snd 30")tr.:I.:1JI'J' 1C~I~ and/or because Late charges and other charges have also accrued to this date in the amount of :: Ii, (j U . The total amount now required to cure this default, or in other words, get caught up in your payments, as of the date of this letter, Is $ : , 7 1 ~. - '. You may cure this default within THIRTY (30) DA YSofthe date of this letter, by paying to us the above amount of $ : , '; ~ .: , ( ; , plus any additional monthly payments and late charge which may fall due during this period. Such payment must be made either by cash, cashier's check, certified check or money order, and made at :....r.,..::.l:;:. J.'~..e!.;t '~I'f'.'l1\_I":. T ~;, Hi~'h !:.it-'t<r.,:.t', ,"'~,"1 it'" L-.. Pl\ ,-.r,'. If you do not cure the default within THIRTY (30) DAYS, wa intend to exercise our right to accelerate the mortgage payments. This means that whatever Is owing on the original amount borrowed will be considered due Immediately and you may lose the chance to payoff the original mortgage In monthly Installments. If full payment of the amount of default Is not made within THI RTY (30) DAYS, we also intfmd to instruct our attorneys to start a lawsuit to foreclose your mortgaged proparty. If tha mortgB(Jf1 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 $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 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 wall as the reasonable attorney's fees and costs connected with the foreclosure sale and perform any other require- ments under the mortgage, It is estimated that the earliest date that such a Sheriff's sale could be held would be approximately:"" r , : .. <: ". . A notice of the date of the Sheriffsale will be sent to you before the sale, Of course. the amount needed to cure the default will Increase the longer yOU walt. You may find out at any time exactly what the required payment will be by calling us at the fOllowing number: ~ d '-'" 1 ~ . This payment must be In cash, cashier's check, certified check or money order and made payable to us at the address stated above. You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it. If you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rfghts 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 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 FORECLOSURE. If you cure the defau EXHIBIT you are not entitled to I J . ", r: stored to the same position as if no default had occurred, However, ult more Ihan three times in any.,calcndar year,. -- /.' I . , -' ~ I 1-" By ~., NIl' nC'v.;> '_1184 ,...., .:,!'.b} ACT 8t NOTICE TAKI ACTION TO IAVI YOUR NOIII PIIOM 'ORICLOIURI Th. Commonw"Uh 01 P.nnlVivanil'l Homeownell' Emergency Mortgag.AIIJltancI Pr~,.m mly be abt.IO h.1p )Iou. R.1d IhI lallOWIng noUc.lo Ilnd OUI how lhe p'OQram -,. II you nlld mOt. InlOtmltlon callth. Pennlylvanll Hauling Finane. Agency al 1 (800) 342-2387. LI nOtiflCaClon .n Idlunto .. d. luml Imparlanell, PUll alecta IU dlrecho I contlnuAl YlvlendO en IU call. 51 no COmptlnde .. cont.nido d. ..II notification oblenga una IradUCClon Immedlltlment.lllmandl..la eg.nclllPennlylvaRlI Houllng Flnanc.Ag.ncy) Iln Cllg0111 numero mencioMdo anlbll. Puett.. I., eleglble para un prellamo POI' .1 prOQrlmaUlmldo -Homeownerl' Emergency MonglgeAllllllnce ~rogram- .. CUll puede IIlv., IU CII. d.la perdkSl del d,recho a ,lCtiml' IU hlpotlCl. ACT 81 NOTICE IMPORTArrn NOTICI 0' HOMIOWNIRS' IMIROINCY MORTOAOI AlllaTANCI PROORAM, PLIAII RIAD THla NOTICI. YOU MAY II ILlO'ILI 'OR 'INANCIAL AII.ITANCI WHICH CAN IAYB YOUR HOMI 'ROM 'ORICLOaURI AND HILP YOU MAKI 'UTURI MORTOAOI PAYMINTI 10~26~4-~OOI 9/~1/~5 Oat.: _ _ RE: Account No.: TO: Kennet:ll rtllndolnh, Jr. FROM: r'1nanc1.ul '.rrusc Ccmpar:v You may be .lIglbl. 'or "nlncl.1 1..lltlnc. lhal will p,.v.nl 'oreclolura on your mong8g' If you comply wllh IhI provl,lonl a. thl Homlowne,.t Imergency MortglO' AII.II.ne. Ael a. 1..3 \Ih. "Ael"), You may bI.lIglble 'or .m.rgency .,mparety ...I,..ne.1f your d"aull hll bltn c.uatd by clrcuma..nc.. beyond your control. you hlv.. "..onab . prOlptlcl a. reaumlng your mortglg' plym.nll. Ind If you m"1 Olh., .lIglblllly requlrem.nt. ..I.bll.htd by Ih' ',nnaylWlnl. Hauling Finane. Ag.ncy. PI.IH reld III o. Ihl. Nolle., II contalnl.n upllnlllon a. your rtghla. Under the Act, )IOU ar. .nlltled to a temporary Itay of lorectoaure on your mortgage 10f' Ihlny (30) daYI Irom Ihl dall ollhla NOIICI. During lhat Ume you mUll '''IRQI and attend I -'ac..lo-llce- m..ung with I repr..entltlv. 01 thlllender, Ot wllh a dlllgnlted conlumer credll counseling agency. The purpole 01 Ihll mllting 1110 Ittempt 10 work out . repaymenl plan. or 10 Olh.rwl" lel1l. )lour delinquency'. ThlI m..Ung mUll occur In Ihe n.llthlrty (30) daYI, It )IOU all.nd a lace-to-Iace meeting with Ihla "nder, or wllh. conlumer credil counlellng agene)' Identified In Ihll notice, no lurther proceeding In mongageloreclolure may lak. place lor Ihlrty (30) dayl .'Ier Ihe dale 01 Ihls meeting. The nlme, addrell and Ielephone number 01 our r.pr..entatlve Is: Jack V. Hutchison 1 W. Hiqh Strbbt Carlisle, ED 17013 243-321~ Telephone Number: The namel.), adcl""(lIl, and phone numbera 01 (e) dellgnaled consumer credJl counseling egencYUII) II (are.: 'iI'JCA a(, 1 U St,rCl:t: l.:ar.Usle, Ph 17013 It is only necellary to .chedule ani lac..lo-IICI milling. You lhould edvl.. Ihlslender Immediately 01 your lntenUonl. Your mortgage illn defaull because you hive 1IIIed 10 PlY promplty Inltallmenll 01 principat and Inlerell, al required, lor a period \I' alle8l11llly (60) dlYI The total amount ollhe delinquency II S ? . 7 1 4t - t; A . Thai ,um Includes lh' lollowlng: . is l1,c,ntll!V payroent:s ()L ~904,Eb ~!nCIl tor tilE! me>nth ot Jill... 19~~5. .6,lJ<Just 1';954 ~nL :ieDtember lq95 Your mortgage is alia in delaull fa, Ihelollowlng rl..ons: II you have tried and are unable 10 '''olve thll p,ObIem al or aher your face.lo-Iace milling, )IOU have Ihl rlghllo epply 10' linancill assistance Irom Ih, Homeowners' Emergency Mongege AIIlstance Fund. In order 10 do IhlS, you mUll fill oul, sign and 'lie 8 compleled Homeownerl'" Emergency Alliltance Appllclllon wllh one ollhe deslgnaled consumer crldll counseling egenci8sliSled In Ihllllachment.An appleaUon lor allistlnce may onty be obtained Irom a conlumer credll counseling agency. The consumer credll counseling agency Wlllalllll you In llIling out your Ippllcatlon and wllllubmll your compleled apphcatlon 10 the Pennsylvania Houling FlnaneeAgency. Your appllcallon muSI be hied or poSlmarked. W1lhin thirty C30l daYI 01 your lace-Io-Iace meeting. It IS extremely Impottanr that you I,I. your Ippllca/lOlf promptly. /I you do no, do so. 01,1 you do no' 100Iow th. aliter "m. penCKh Ie' lorth in this ,."". 10rec/OJure may procettr1 sasm" your ham. Immed/alely. AvaIlable lunds lor emergency mortgage alllslanco are vlly IImlled. They will be dl'bursed by Ihe Agency under the ellglbillly crUerla IItablilhed by IheAct. It IS el!romely Import ani thai your appllCallon be accurale and eomplele In every respect The Penn.ylvaRla Housing Finance Agency halsl.ly 160. dayalo make a deCISion aller I' receIves your appllcallon. DUling !hal addlllonalllme. no toreclolure proceedmgs Will be pursued agamsl )IOU If you have mellhe tIme requlremenllSIt forlh above. You WIll be nohhfld dlreclly b)l Ihat Agency olliS dlCllIOIl on your opphcallon. Tho Pennsytvanls HOUSing FinanCI Agency IIlocaled at 2101 Nonh Fronl Slreet. POll ORiCI 80l 8029, HarriSburg, Pennsylvania 17105. Telephone No. (717) 780-3800 or 1-600.342-2397 (loll Iree number). Persons wllh Impaired hearing cane8111.800-342.2397. In addlllon you may reee've another nO!ICe 110m Ihislend t noleellcalled Ihe -NOlle, 01 InlenllOn 10 Foreclosure-. You must read bolh nolieel.llnco lhoy both elplalR rlghlllhal you now have u EXHIBIT u choose 10 elllelle your righta deacnbed In thll nOllce, you cannOI be foreclosed upon while you are receiVing that ''''slance. F I Very IrU~'j"' , ".) j, I.' I " 't{' p /"'/II/t"II.,~..- / /.' .' /.....~ '. HEMA Ruv. 2 6194 .i..'e:: 'l_ :-.llit.ci'ir,c.n, c.;~:.ll~cti'-:~l Ill"'..... .,~-:.:.~ .~: Y"_ , IS IN SERIOUS DEFAUL T.because you have not made the mont~/y payments of $ C'Il... H for the months of .! \ . ,'" , ,..l" ""1: 1')9:, ,and ';,...t ;., '1' end/or because Late charges and other charges have also accrued to this date In the amount of '1,1,( , The total amount now. reQulre~to cure this default, or In other words, get caught up In your payments, as of the date of this letter, is $ -, ,1 ~ . - c , You may cure this default within THIRTY (30) DA YS of the date of this letter, by paying to us the above amount of $ . . , , plus any additional monthly payments and late charge which may fall due during this period, Such payment must be made either by cash, cashier's check, certified check or money order, and made at :.,j;;':nL"~: }':.~.~t L.:c'r.:~v.J.''', 1 ':. HiCt) ~-)t:rFI;t, CaL'linlt~, PA 17(,1.:. -C,l , NOTICE OF INTENTION TO FORECLOSE MORTGAGE TO; .......--. R(..I~cLl:"., ut. ., '~ .~; L:~~l' .1":'1 l~'..~' 0118 of Notlco ".' ~ .:. Oil: 1:., ~'.\ I, \ ; . Loan No. 1 ~,~, ':'.:.Ir: .,-",0':; 1 The MORTGAGE held by': .:"Ll." 1;.1 ':SI:st ":L':~.r':\I1'.' lherelnafterwe,usorours) on your property located at 'i'~" :1itlll:r lli"III"',.;, :;.'I'l.i._l. , ?!" 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 wlil 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 elso intend to instruct our attorneys to start a lawsuit to foreclose your mongaged property. If the mortgage is foreclosed your mongeged propeny 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 $50,00. However, If legal proceedings are started against you, you will have to pay 1he 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 sa/a at any time up to one hour before the Sheriff's foreclosure sale. You may do so by paying the total amount of the unpaid monthly payments plus any late or other charges then due, as well as the reasonable 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. ',. ,', , c '. . A notice of the date of the Sheriff sale will be sent to you before the sale. Of course, the amount needed to cure the default will Increase the longer you walt. You may find out at any time exactly what Ihe required payment will be by calling us at the following number: 2'; 3- 3:! 1 /. . This payment must be In cash. cashier's check, certified check or money order and made payable to us at the address stated above, You should realize that a Sheriff's sale will end your ownership of the mortgaged property and your right to remain in it, I f you continue to live in the property after the Sheriff's sale, a lawsuit could be started to evict you. You have additional rrghts to help protect your interest in the property. YOU HAVE THE RIGHTTO SELL THE PROPERTY TO OBTAIN MONEY TO PAY OFF THE MORTGAGE DEBT, OR TO BORROW MONEY FROM ANOTHER LENDING INSTITUTION TO PAY OFF THIS DEBT. YOU MAY HAVE THE RIGHT TO SELL OR TRANSFER THE PROPERTY SUBJECT TO THE MORTGAGE TO A BUYER OR TRANSFEREE WHO WILL ASSUME THE MORTGAGE DEBT, PROVIDED THAT ALL THE OUTSTANDING PAYMENTS, CHARGES AND ATTORNEY'S FEES AND COSTS ARE PAID PRIOR TO OR AT THE SALE, AND THAT THE OTHER REQUIRE. MENTS UNDER THE MORTGAGE ARE SATISFIED, CONTACT US TO DETERMINE UNDER WHAT CIRCUM. STANCES THIS RIGHT MIGHT EXIST. YOU HAVE THE RIGHT TO HAVE THIS DEFAULT CURED BY ANY THIRD PARTY ACTING ON YOUR BEHALF, YOU HAVE THE RIGHT TO ASSERT IN THE FORECLOSURE PROCEEDINGS THE NON,EXISTENCE OF A DEFAULT OR ANY OTHER DEFENSE YOU MAY HAVE TO ACCELERATION OR FORECL Nit lif'II' .~ 'I It" r.:::.", Ilr- o the same position as if no default had occurred, However, Ihan Ihree times in any calendar year, I ,." , . /'. '.;,'" l. ./ I ... I '., " you cure the delault. the you are not enlitled to Ihis right " BV .,. , SHERIFF'S RETURN - REGULAR CASE NOI 199~-066~4 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FARMERS TRUST COMPANY VS. RANDOLPH KENNETH H & VIVIAN L MICHAEL BARRICK CUMBERLAND County, Pennsylvania, who to law, says, the within COMPLAINT - upon RANDOLPH KENNETH defendant, at 1018100 HOURS, on the 24th day of November 1995 at 2735 RITNER HIGHWAY CARLISLE. PA 17013 . Sheriff or Deputy Sheriff of being duly sworn according MORT FORE was served the . CUMBERLAND RANDOLPH. ADULT County. Pennsylvania, by handing to VIVIAN DAUGHTER OF KENNETH RANDOLPH a true and attested copy of the COMPLAINT - MORT FORE and at the same time directing ~ attention to the contents thereof. Sheriff's Costs I Docketing Service Affidavit Surcharge So 18.00 4.48 .00 2.00 6<<:4.48 5'.1lU 1 .~).'I~ Sworn and subscribed to before me this /I ~ day of J..JJ,,_...i,....~ / 19 q~ A. D. (~~t..o- 0 I\L. f'g,.. ,L,;;' t, t'TothonOtary .,- I -.---- , , ->\'-.~;":. ""f~-,':,';' ;'-''-:'~::':)~7~~~~~~; ,. SHERIFF'S RETURN - REGULAR CASE NOI 199~-066~4 P COMMONWEALTH OF PENNSYLVANIA 1 COUNTY OF CUMBERLAND FARMERS TRUST COMPANY VS. RANDOLPH KENNETH H & VIVIAN L , MICHAEL BARRICK , Sheriff or Deputy Sheriff of CUMBERLAND County, Pennsylvania, vho being duly svorn according to lav. says, the vithin COMPLAINT - MORT FORE vas served upon RANDOLPH VIVIAN L the defendant, at 1018100 HOURS. on the ~ day of November 19~ at 2735 RITNER HIGHWAY CARLISLE. PA 17013 . CUMBERLAND County. Pennsylvania, by handing to VIVIAN RANDOLPH. ADULT DAUGHTER OF VIVIAN RANDOLPH a true and attested copy of the COMPLAINT - MORT FORE together vith NOTICE and at the same time directing Her attention to the contents thereof. . Sheriff's Costs I Docketing Service Affidavit Surcharge 6.00 .00 .00 2.00 So ansv~ e!::- . '<< -t: &II H.~mas ::nE" - er 88.00 DUNCAN AND 12/04/1995 by Svorn and subscribed to bE'fore mE' this "Ie: day of }O.,,~(u. .., / 19 q.., A.D. C'\. 1 n Iv.....iL ,J1.r. M ~roi'nDnot.ary -, , # - DEe 01 '95 O.J'38PI'1 KIU"P & 1(00~:i' PC P.2 UNITED STATES BANKRUPTCY COURT HZDDLE DISTRICT 0' PENNSYLVANIA VOLUNTARY PElTITION Kenneth U. Randolph, Jz:. NAMe e, JOINr OESle' ALL OlHER HAMEl used by the debter In the II.t 6 yo.,. T/A KENNETH RANDOLI'H SEALCOATINO & PA VlNO CONTRACTOR ALL OIHEI NAMES used by thl JoInt d. SOC. IEC.'/IAX 1.0.' 24~.02-46J7 , . SIREIT ADORESI Of DEBTOR 27JS RITNER HWY CUlL/SLE PA 170lJ IOC. SEt../tAX 1,0.' " StlEET ADOIESS OF JOINT DEIIOI " Ph: oouwrv OF RESIOENtE 01 lUll NESS CUmb,rIond HAILING ADOReSS Of DeBTOR SANE COUNIT qf IESIOENtE 01 IUSINESS MAILINC ADOIESS OF JOINT,OEBTOR BUSINESS DEBIOR'S PRINCIPAL ASSET LOCATIOH NOT APPUCABLE INFORMATION VE"UE [X] D,btor's domicil" rRld,n", or busi. ness IJ!UlS Wire In this District Jpr th, 180 days pr.cer{l~g Ihis p'lIIlon. REGARDING DEBTOR .... DEBTOR TYPE' [X] Individual DElT NATURE, [X] Non.BuslnuslConsumu CHAPTER/SECTION, [X] a;ap'u 13 SMALL BUSINESS, '': [ ] D.btorls a small businm. II USC /0/ [ ] ElwJSf/IlJlI bus/nui. II USC IJ2I It) fiLING FEE. [X] attachti[: NAMt AHD ADDRESS OF LAV:FIRlC OR ATTDRNET Knupp & Kodak, P,C, ',~: 407 NORTH FRONI' S7'IWP I' 0 BOX 1/848 .. IlARRlSBURG PA 17108./848 Tllopho"" Ho. (717) 2J8~:?jSI 1 [ STATISTICAL ADMINISTRATIVE INFORMATION [X] Funds will not bl! available/or unsecured cr.dltors. ESTIMATED NO. OF CREDITORS, ESTIMATED ASSETS (thousand.), ESTlMAIED LIABILITIES (thou..nd.): ESTIMATED HD. OF EHPLOYEES. ESTIMATED EDUIIY SECUR!IT HOLDERS. [x] }.IS [X] UllderSO [X] UnduSO [X] Not Applicobl, [X] Not Applicabl. ] Dob.or not 'eprOlO1]!"" by on allorncy. (28 U.S.C, 604) "IHIS SPACE 'OR COURT USE OHLY ~;." :;:;-:;'-;'~;-";;";-:~i f '. r ~;ii,.',t. ~~;; '!I;mc~A.r: ,.1'.1/1. I '" j DEe ~ 119ro ! t_ , Mnrg'm,' A. ....'llth I f ......~. I .: :;' ;,:::;= ORDERED h. ....... v 'n" . ''':'';!' j c .._.....~... "".';__'; ':".~'~-.. . ~. . ....~::.:~2':.~;!t