HomeMy WebLinkAbout95-07229
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IN Tal COURT 0' COMMON PLIAS 0' CUNBlaLAND COUNTY, PINKSYLVAKIA
v.
I No, 95-7229 CIVIL TIRN
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I Civil Action - Law
YOU I'JUlH CaIDIT, ACA,
Plaintiff
KIVIN P. KINDIG and
NANCY B. KINDIG, husband and wife
Defendants
PRAICIPI TO RBMOVI
To the prothonotaryt
( x) Please mark the above captioned action settled and
satisfied
-
OR
) Please mark the above captioned judgment or lien settled and
satisfied
Respectfully submitted,
STOCK AND t,EADER
j)e.'-~6lv ~~ I 'i flJ
DATE ~
h, Esquire
ID #26024
35 South Duke Street
P. O. Box 5167
York, PA 17405-5167
(717) 846-9800
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,IN 'niE cnnn' OF ~ PLIi'J!S OF ClMlE/lLAND ~, PDH3YLVANIA
C~OM5IOO
file No. 9S-7?~Q (i"11 Tprm
I Almunt Due $203,119.04 p'lus c~st~__
Int(!I:est ft'om 12/17/95 Il<y j,.tlfvlld
Atty's Caml fI 'I' V '1",,/ I, 1;,1 1"< If,
I Costs ~A!..-t'i " 4"
... . ..
YORK FARM CREDIT, ACA
v.
KEVIN P. KENDIG AND
NANCY E. KENDIG, husband and wife
TO THE pRO'll!ooorARY OF THE SAID COURT,
The undersigned hereby certifies that the below docs not arise out of a retail
installment sale, contract, or account based on a confession of judgnent, but if it doos,
it is based on the appropriate original proceeding filed pursuant to Act 7 of 1966 as
llI11eooed, and for real property pursuant to Act 6 of 1974 as aJOOnded.
PRAEX:IPE fUR EXEX.'ln'I~
Issue writ of execution in the above n.1t ter to the ShCTl ff of Cumberl and
County, for debt, interest and costs upon the following de~cribed property of the
defendant(s)---Z! Kline Road, Shippensburg, Southa~.~on Townshup.,
Cumberl and Countv. PlUlllllOOll---,
._--~.~
PRJlEX:IPE FUR A'ITI\Clt1ENr EXFnlrIOO
,----~--~
Issue writ of Bttaclvnent to the Sheriff of County, for. debt,
interest and costs, as above, directing attildll1mrt.'.iigllinst t-Ile ill.,-iie-,itiiiiccl garnishec(s) fc)r
the following property (if real estilte, supply six (,oples of th'J dcwcriptian, supply four
copies af lengthy personalty list)
._~._-_._----------.------
and all other property of the defendilnt( 6) in the possession, custody or contrul of the!
said garnishee(s).
(Indicate) lndex this writ agai.nst the garnishee(s) flS I'J J.h\ pendens 1'J~lllin8t
real estate of the defendant(~) df.Jscribed ln the attached' ibil. n, /1_ ()
DATE I September Ii). 1996 Signatllrt'l ~J.9/~
Print N,'vm, 'mQ.~~ ;:~-HW~s_~~-;~;~=_._~'~~
Address, _____..15-SJlll.1h-Duk.eJtr.!l~_.__...-
_,-'LQrlt.. .P. ~ .... ..1ill.L___.__" __,._"_,_
At tornr.'y tor '.., .P.liUnt if f_,_..,_____.._
Telephone '-11.EL~,1~~fi~__~__~_,__
suprenl:' Court III !'k.l. I, 26,Q2i........_.____._.___...
. ..,..
Notes. If real property, supply six copil!s of description including in\:lrovemsnts Md an
original Md copy of affidavit of ownership (PaR.C.P. No. 3129).
If lengthy personalty list, supply four copies of list.
To indfIX writ, file separate praecipe with writ.
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IN THE COURT OF COMMON ~LEAS OF CUMBERLAND ~OUNTY, ~ENNSYLVANIA
YORK FARM CREDIT, ACA
~laintiff
NO. 95-7229 Civil Term
v,
KEVIN ~. KENDIG and
NANCY E. KENDIG, husband and wife
Defendants
Civil Action - Law
COMMONWEALTH OF PENNSYLVANIA
SS
COUNTY O~' YORK
BBrORB HB, THB PROTHONOTARY or YORlt COUNTY, PBNNSYLVANIA.,
personally appeared Timothy P. Ruth, Esquire, attorney for
plaintiff in the above entitled case, who being duly sworn or
affirmed according to law deposes and says, that the Defendants or
respondents above named are not in the military service of the
un.ited Statelll of America,
Sworn and subscribed before me this
day of
--
, 1996
~rothonotary
\.Y8\~PR\Mr\KI~la.~
1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COtlNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA NO. 95-7229 Civil Term
Plaintiff
v.
KEVIN P. KENDIG and
NANCY E. KENDIG, husband and wife
De fe.ndants civil Action - Law
AFFIDAVIT PURSUANT TO RULE 3129.1
TIMOTHY p, RUTH, Attorney for Plaintiff in the above action,
sets forth as of the date the Praecipe for the Writ of Execution
was filed to following information concerning the real property
located at 74 Kline Road, shippensburg, Southamption Township,
Cumberland County, Pennsylvania 17257.
1- N'ilme and address of Owner(s) or Reputed owner(s) .
~ MsU~ (if address cannot be reasonably
ascertained, pl~ase so indicate) ,
Kevin P. Kendig 74 Kline Road
Shippensburg, PA 17257
Nancy E, Kendig 74 Kline Road
Shippensbul'g, PA 17257
2,
Name and address of Defendant(s) in the Judgment I
Address (if address cannot be reasonably
ascertained, please so indicate)
~
Kevin P. Kendig
74 Kline Road
Shippensburg, PA
74 Kline Road
Shippensburg, PA
17257
17257
Nancy E. Kendig
3, Name and address of every judgment creditor whose judgment
is a record lien on the real property to be soldl
~
Address (if address cannot be reasonably
ascertained, please so indicate)
Commonwealth of PA
Department of Revenue
Office of Chief Counsel
lOth Floor, Strawberry Square
Harrisburg, PA 17128-1100
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA
Plaintiff
NO. 95-7229 civil Term
v.
KEVIN P. KENDIG and
NANCY E, KENDIG, husband and wife
Defendants
Ci.vil Action - Law
NQIICE OF SHERIFF'S SALE OF REAL PROPERTY
PURSUANT TO PENNSYLVANIA RULE OF CIVIL PROCEDURE 3129
TOI Kevin P.. Kendig
74 Kline Road
Shippensburg, PA
17257
TAKE NOTICE:
That the Sheriff's Sale of Real Property (real estate) will be
held on December 4, 1996, in the SHERIFF'S OFFICE, CUMBERLAND
COUNTY COURTHOUSE, One Courthouse Square, Second Floor,
Commissioners Hearing Room, Carlisle, PA 17013 at 10:00 A.M.
prevailing local time.
'fHE PROPERTY TO BE SOLD is delineated in detail in a legal
description mainly consisting of a statement of the measured
boundaries of the property, together with a brief mention of the
buildings and any other major improvements erected on the land.
(See Description Attached) .
THE LOCATION of your property to be sold is:
74 Kline Road
Shippensburg, PA 17257
THE JUDGMENT under or pursuant to which your property is being
sold is docketed tOI
YORK FARM CREDI'r, ACA
V.
KEVIN p, KENDIG and
NANCY E. KENDIG
NO, 95-7229 Civil Term
In The Court of Common pless of Cumberland county, Pennsylvania
1
THE NAMl!:(S) OF THE OWNER(S) OR REPUTED OWNER(S) OF THIS
PROPERTY IS;
Kevin P. Kendig and Nancy ~. Kendig
A SCHEDULE OF DISTRIBurION, being a list of the persons, and
or governmental or corporate entities or agencies being entitled to
recei ve part of the pr.oceeds of the sale received and to be
disbursed by the Sheriff (for example to banks that hold mortgages
and municipalities that are owed taxes), will be filed by the
Sheriff within thirty (30) days after the sale and distribution of
the proceeds of sale in accordance with this schedule will, in
fact, be made unless someone objects by filing exceptions to it
within ten (10) days of the date it is filed. Information about
the schedule of Distribution may be obtained from the Sheriff of
the Court of Common Pleas of Cumberland County, Pennsylvania,
Cumberland County Courthouse, One Courthouse Square, Carlisle,
Pennsylvania 17013 (717) 240-6390.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY,. It has been issued because there is a Judgment
against you. It may cause your property to be held, to be sold, or
taken to pay the Judgment. You may have legal rights to prevent
your property from being taken. A lawyer can advise you more
specifically of these rights. If you wish to exercise your rights,
you must act promptly.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET
FREE LEGAL ADVICE;
Lawyer Referral Service
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
THE LEGAL RIGHTS YOU MAY HAVEl
1. You may file a petition with the Court of Common Pleas of
Cumberland County to open tho judgment if you have a meritorious
defense against the person or company that has entered judgment
against you. You may aleo file a petition with the same Court if
you are aware of a legal defect in the obligation or the procedure
used against you.
2, After the Sheriff's Sale you may file a petition with the
Court of Common Pleas of Cumberland County to .et aside the sale
for a gro.sly inadequate price or for other proper oauee. This
petition must be filed before the Sheriff's Deed is delivered.
2
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THE NAME (S) OF THE OWNER (S) OR REPUTED OWNER (S) OF THIS
PROPERTY rSI
Kevin P. Kendig and Nancy E. Kendig
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and
or governmental or corporate entities or agencies being entitled to
receive part of the proceeds of the sale received and to be
disbursed by the Sheriff (for example to banks that hold mortgages
and municipalities that are owed taxes), will be filed by the
Sheriff within thirty (30) days after the sale and distribution of
the proceeds of sale in accordance with this schedule will, in
fact, be made unless someone objects by filing exceptions to it
within ten (10) days of the date it is filed. Information about
the Schedule of Distribution may be obtained from the Shariff of
the Court of Common pleas of Cumberland County, Pennsylvania,
Cumberland County Courthouse, One Courthouse Square, Carlisle,
Pennsylvania 17013 (717) 240-6390.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPl';1IT1. It has been issued because there is a Judgment
against you. It may cause your property to be held, to be sold, or
taken to pay the Judgment. You may have legal rights to prevent
your property from being taken, A lawyer can advise you more
specifically of these rights. If you wish to exercise your rights,
you must act promptly.
ygu SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE-QFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN qET
FREE LEGAL ADVICE,
Lawyer Referral Service
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
THE LEGAL RIGHTS YOU MAY HAVEl
1. You may file a petition with the Court of Common Ple.s of
Cumberland County to open the judgment if you have . meritoriouB
defenee againet the person or company that has entered judgment
against you. You may aleo file a petition with the eame Court if
you ars aware of a legal defect in the obligation or the procedure
used againet you.
2. After the Sheriff's Sale you may file. petition with the
Court of Common Pleae of Cumberland County to set aside the sale
for a grosely inadequate price or for other proper cause. Thie
petition must be filed before the Sheri~f's Deed i. delivered.
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:5, A petition or petitions raising the lelJal issue. or dlJht.
Ilentioned in the pncedinlJ paragraph. llIuat b. pre.ented to the
Court of Common Pl.a. of Cumberland County at one of the Court'.
regularly .cheduled Bu.ine.. Court ....ion.. Th. petition Ilu.t be
.erved on t.he attorney for the creditor or on t.he credit.or at l.a.t
two bu.ine.. day. before pre.entation to the Court and a propo.ed
order or rule Ilu.t be attached to the petition. If a .p.cUic
return dat.e is de. ired, .uch date Ilu.t be obtained froll the Court
Admini.trat.or'. Office, Cumberland County Court.hou.e, One
Courthouse Squar., Oarli.le, p.nnaylvanie 17013, before
pr.sentation of t.he petition to the Court.
TIMOTHY P. RUTH, BSgUIRB
ATTORNIY FOR PLAINTIFF
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IN THE COURT OF COMMON PLEAS OF
YORK FARM CREDIT, ACA I
Plaintiff I
I
v. I
I
KEVIN P. KENDIG and I
NANCY E. KENDIG, husband and wife I
Defendants I
JO
CUMBERLAND
NO. (7 'J'
COUNTY,
7,;1,:;..;
PENNSYLVANIA
(1('(1: ( 0L \
Civil Action - Law
NOTIC~
. YOU HAVE BEEN SUED IN COURT. If you wish to defend against the
c,laims set forth in the foregoing pages, you must take action within
twenty (20) days after this Complaint and Notice are served by entering a
written appearance personally or by attorney, and 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 ~ny 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 LAl:YER AT ONCE. IF YOU DO NOT HAVE OR
KNOW A LAWYER, THEN YOU SHOULD GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE, 4TH FLOOR
CARLISLE, PA 17013
(717) 240-6200
AVI~
USTED HA SIDO DEMANDADO EN LA CORTE. Si usted desBa defenderse de
laB quejas expuestas en las paginas siguientes, debe tomar accion dentro
de veinte (20) dias a partir de la fecha en que recibio la demanda y el
aviso. Usted debe presentar comparecencia escrita on persona 0 par
abogado y presentar en la Corte por escrito sus defenses 0 sus objecioneB
a laB demandas en su contra.
Se la avise que si no se defienda, el caso puede proceder sin usted
y la Corte puede decidir en su contra sin mas aviso 0 notificecion par
cualquier dinero reclamado en la demande 0 par cualquier otra queja 0
compensacion reclamados par el Demandante. USTED PUEDE PERDER DINERO, 0
PROPIEDADES U OTROS DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE 0
NO CONOCE UN ABOGADO, VAYA 0 LLAME A [,A OFICINA EN LA DIRECCION ESCRITA
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK "ARM CREDIT, ACA I NO.
Plaintiff I
I
V. I
I
KEVIN P. KENDIG ond I
NANCY E. KENDIG, husband ISnd wife I
Defendants I Civil Action - Law
COMPLAINT
AND NOW, TO WIT, this ~ day of December, 1995, comes the
Plaintiff, York Farm Credit, ACA, by through its attorneys, the law firm
of Stock and Leader, and brings this action against the Defendants
Kevin P. Kendig and Nancy E. Kendig, hueband and wi fel whereof the
following is a statement:
1. The Plaintiff, York Farm Credit, ACA, is a corporation organized
and existing under the laws of the United States of America with a
principal address of 3301 West Market Street, York, York County,
Pennsylvania 17404.
2. Defendants, Kevin P. Kendig end Nancy E. Kendig, are adult
individuals residing at addres~ of 74 Kline Road, Shippensburg,
Southampton 'rownehip, Cumberland County, Pennsylvania 17257.
gl\.lNT I
3, Paragraphs 1 through 2 are incorporated herein by reference.
4. On or about June 4, 1992, Defendants, Kevin P. Kendig and
Nancy E, Kendig, husband and wife, made, executed and delivered to the
Plaintiff IS Mortgage Note in the sum of 5105,000.00 payable to the order
of the Plaintiff in monthly installments, a true and correot copy of which
Note ie attached hereto, made a part hereof, marked Exhibit "A" and
inoorporated heroin by reference.
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5. On or about the same date, JUlie 4, 1992, the Defendants, Kevin
P. i<endig and Nancy E. Kendig, husband and wife, made, executed and
delivered to the Plaintiff a certain Mortgage, wher.eby their obligation to
Plai1\t1ff pursuant to the above mentioned Mortgage Note was secured by
certain real estate located in Southampton Township, Cumberland County,
pennsylvania, which Mortgage was recorded in the Office of the Recorder of
Deeds in and for Cumberland County, Pennsylvania in Record Book 1071,
Page 449, a copy of which Mortgage is attached hereto, marked Exhibit "B"
and incorporated herein by reference.
6. Having delivered the Mortgage Note and Mortgage to Plaintiff,
Defendants Kevin P. Kendig and Nancy E. Kendig, husband and wife, became
liable for thll payments called for thereJ.1I in accordance with the terms
therein.
7. Defendants, Kevin P. Kendig and Nancy E. Kendig, husband and
wife, are in default under the terms of the Mortgage Note and Mortgage to
the Plaintiff by virtue of their failure to make the payments due under
the terms of the Mortgage Note and Mortgage on a timel.y basis since
June 20; 1995.
8. In addition, the Mortgage is in default because of the
Defendants failure to pay the 199 Real Estate Taxes outstanding against
the real estate in the amount of $2,543.00 plus cost and interest,
9. Defendants, Kevin p, Kendig and Nancy E. Kendig, husband and
wife, were sent the notice required by the Homeowners Emergency Mortgage
Assistance Act of 1983 (Act 91) by United States Mail, first class,
postage prepaid, by Plaintiff on AugU!lt 23, 1995. A true and correct copy
of the notices are attached hereto, mF,lrked Exhibits "e" and "0" and are
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hereby made a part of and incorporated herein by referenoe. Thirty days
have expired and Plaintiff hOB received no response from the Defendants or
the Consumer Credit Counseling Agency set forth in lIaid notice to
Defendants.
10. The amount due under the terms of the Mortgage and Mortgage Note
is as followSl
Prinoipal balance thro~gh November 28, 1995
Interest through November 28, 1995
Reasonable a ttox'ney I s fees
TOTAL
$51,474.60
$2,536.63
$2.700.00
$56,711.23
Interest will continue to accrue on the above mentioned principal balance
at the rate of $15.1603 per diem.
WHEREFORE Plal,ntiff demands judgment against the Defendants, Kevin P.
Kendig and Nancy E. Kendig, husband and wife, in the amount of $56,711.:23
together with interest and costs of Buit.
COUN'!'J I,
11. Paragraphs 1 through 9 are incorporated herein by reference..
12. On or about June 4, 1992, Defendants, Kevin P. Kendig and
Nancy E. Kendig, husband and wife, made, executed and delivered to the
Plaintiff a Mortgage Note in the sum of $191,973.35 payable to the order
of the Plaintiff in monthly installments, a true and correct copy of which
Note is attached hereto, made a part hereof, marked Exhibit "En and
incor.porated herein by reference.
13. On or about the same time, June 4, ],992 the Defendants, Kevin P.
Kendig and Nancy E. Kendig, husband and wife, made, executed and delivered
to the Plaintiff a certain Mortgage, whereby their obligotion to Plaintiff
pursuant to the above mentioned Mortgage Note was secured by certain real
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.
"
..tate located in Southampton Township, Cumberland County, Pennsylvania,
which Mortgage was rocorded in the Office of the Recorder of Deeds in and
for Cumberland County, Plilnnsylvania in Record Book 1.071, Page 444, I!I copy
of which Mortgage is attached hereto, marked Exhibit "F" and incorporated
herein by reference.
14. Having delivered the Mortgage Note and Mortgage to Plaintiff,
Defendants, Kevin P. Kendig and Nancy E. Kendig, husbond and wife, became
liable for the payments called for therein in accordance with the terms
therein.
15. Defendants, Kevin P. Kendig ond Nancy E. Kendig, husband and
wife, are in default under the terms of the Mortgage Note and Mortgage to
the plaintiff by virtue of their failure to pay the 199_ Real Estate Taxes
outstanding on the real estate in the amount of $2,543.00 plus cost and
interest.
16. In addition, the Mortgage is in default because of the
Defendants failure to make the payments due pursuant to the terms of the
Mortgage Note and Loan which is the subject of Count I of this Complaint.
17. Defendants Kevin P. Kendig and Nancy E. Kendig, husband and
wife, were sent the notice required by the Homeowners Emergency Mortgage
Assistance Act of 1983 (Act 91) by United States Mail, first class,
postage prepaid, by Plaintiff on August 23, 1995. A true and correct copy
of the notices are attached hereto, marked Exhibits "G" and "H" and are
hereby made a part of and incorporated herein by reference, Thirty days
have expired and Plaintiff has received no response from the Defendants or
the Consumer Credit Counseling Agency set forth in said notice to
Defendants.
6
.
-
18, The amount due under the terms of the Mortgage and Mortgage Note
i. a. follows I
TOTAL
$177,965.68
$5,906.81
$58.139
_ $9,000.00
19192,931.36
Principal balance through November 26, 1995
Interest through November 26, 1995
Late charges through November 28, 1995
Reasonable attorney's fees
Interest will continue to accrue on the above mentioned principal balance
at the rate of $50.1596 per diem and late charges will continue to accrue
at the rate of 819.6326 per month.
WHEREFORE plaintiff demands judgment against the Defendants Kevin P.
Kendig and Nancy E, Kendig, husband and wife, in the amount of 8192,931,38
together with interest, late charges and costs of suit.
Respectfully submitted,
STOj AND LE,~ER . X:;,
I ),0 )
, ~., ./
Cr~~ ~.)U/h, "'Esquire -
Supreme CoUrt ID H26024
35 South Duke Street
P. O. BOK 5167
York, PA 17405-5167
(717) 646-9800
7
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p,tnrlJItI
lAMH... 024'J51/ljOO ~lkkhohJ"-J<IJ'Y!I~~!g ;-__
/lanc", '11111 II II UUlAL CllN'J1lA':J', IIU. rAltl1ll.'llllllllml 5111l1jlJ) ItI'AII TIllS /10111 CAItJll1J1J,V
NOTE
6.lT1dtUllrJlWt:lJXiJJJl5.IIJIi/1./IWI1UliJ!;jJMfJtI
/Ion. 'I1IlI_m.", will bt QU.d Ih. II...,
" we, MIND, ..d MU . 'Illu. WOld, ,,:,., II) 'uti ."d Iflu' Iho.. .hl) 'If" Ihl. NDI.. lI"h prrllJ" 0' 'nlll~ .hp '11ft. .h,U bt
Ulbll (., pp)ment of Ih. 'IIIlte d.ol. 1"', wurlb " .', min., .nd m. lIlrllllS. ny cOrJII)I.tloll, INU, p.nn.rthlp 0' D1h.Il'I,1 'nlllY
"'hl, I m.. 'i&fllhl. tllJt..
U!/lDIlIt . nil .",d ..I..", YOIIK I'M'H (/IF,1l1 'I' , ^c^
'lid .ny Dlh., hold., 0' Ih.ll NiUI.
51!CUflrrv .HSlltUMI!N'T .1111. '1'''' III IllY 0' I)n' or mor. 1irr,'fll.lllK\lm.1l1l1 "an''', !nrl.,dln. bUI nol IJmh.d 101 MIII1I'I"
O..d 0' TI'\l", Of Seevnl" Alfcrm.nl, b)' _hleh I '&flrd 10 plrdat pmpll r II) Ih.I"n4" .. Kalrjly II' Ih.,rll.ym.nlll' Ihlt Not..
m!Jrr . Th. l..tnd" h.' loltll:d III m. 1-L'l'iClClO, 00 _ un _hl'h Imnonl 1 1m 10 pl~ ml.".. '1 Ih.
"1'0' Ill. 'ff) plr""1 1M' '"111ml, 'ThI.I.lh. Debt .naJ I..nlll,dlllll) JllI'60.nr I,) Ih. flml Crldll Act or 1911", .m.nd.aJ.
/'Al'M&NLiIt:IJIIiDUr
1 pNmJM 10 ,...Ih. D.bllo Ih, lAnder, 0' III ord.r, It 101low'l
,) P... YMI!Nr SCIU!DULn . t ~'..Ih. O,bI.<<o,aJIIII h~ Ih. 'QllowIn. JlI)'m.nllCh.dul.:
OJ monthly paymonL. '" fl,5'{5 IHtRlnlllng 6/20/92 01111 ..:onlWlJlnR monthlY thure~lflf!r,
b)
An)1hlll' Nnl,ln.d In ullt p.ym.nl IChriJlll. II) Ih. cOlltr.'} nOlwllhu.lldlna. 1 '1''', In 'ny evlnl, 10 PlY 'n (ull on
H,IY 20, 191)1) ,lhI'M.lunly Ihll' hn.or, .ny unrlld b.l.nce 0' Ih. Olbl Otllu.naJln. on ..Id M'IIJr!l)' n.I..
AtlPUCA110N OF PAYMI!N1':'i . Any rmymlnl nn Ihe Uehl .hlll be 'prlild n,.. 1IIIhe pl)1Tlcnl o( Inler'" caln.dDled 1)11 Ih.
O.,I...nlllnl Juindp.l.nd Ih.n 10 Ih. ,edunllln III Ih. llUlw.l'JJiIlll p,lnd'lll b.lance,
PRePA YMEHT. "I~UClbl. 00. I. cheoed)
M I!aIllPl lu Ih. aunl rrnhlblled by 'p[ll/ubl. I..... If Ih. n.bl I. prcpald .lIh" In _hili, 01 In "In, 1 'P" II) ....r .
prep'ran.nl penile.. cqu.llo IwO rerulIl (l") or Ih. 'mOllnl p"p.'ll,
II n. Dcblll "r'P.y.bl.ln MI or In p.n .1 Iny 11m. wllhool pen.lly.
HfF1!er Of PRe'A YMl!NT . NI) Illnlal p"p'yrru:Il1 vrlll "dllU Ih. .mounl o( rulu" Inu.Umlnll \l.ilbOl.ll Ihc cnn..nl ql th.
unaJ".
CIIAROI!S FOR ~n! 'AYMF.NTS..( 1,.1111) mlk. 'n),p'Y""nl r.qubud her.by ...h.n do., Ith'lI P'~ .1'1' ,hlr..11I ,n .mounl
''1111110 on. rtrc.nt 0'1.) or Ihll drlln1lu.nl Plym.nl 'u, n,h .nd .....J)' mllnlh. or p.n Ih."or, Ih.1 ',ah p.~t'Il'n1 It dellnqu.nl,
n1llwllhll.nl'lnllha Lender'. r.,.lpl ,"d I'C'lllInl. or .ny paymrnl ,equlled undcr Ihl. NOle 0' 'n~ 5e''\I,II)' InllNm.nl(.) m.d.
1fI.,lh.dllo dil..
FAIl.URB TO FA Y . Th. lAnder h" Ih. "lhllO ,.,ull. Imm.dl'l' p.ym.nl 0' Ih. .nlll. unp.ld b.l.nce 0' Ih. '11\1111"1 du. und.,
IIW NOIt ,nd .ny s.cun'ylnIlNmcnl(I).llIlllh'r_'*"lh nle"lllhrr'on undr, Ih. 'olll)Win. cOnlllilon.:
I. If 1 do nfll mQ. .ny p,y,".nl dlle unaJ" Ihl. 1'101. nr .n)' ScC\l,lIy Inllnlm.ntl') on m bero" II II dll', .nd/m
1, II 1 do not htp 'n~ IIlher prnmhe ..hlrh I make In IhI. NUl. lit hi 'ny ScnHjlr Inllrum'lll(l), I '!p" Ihal Ihe under
or IllY OIh" holde. IIr fhb Nm. duel nnl h.n lu p,ucnlll her",. wIIII,!n. pl)1Tlen .
SECURITY INSl'RUMl!tffTl:.RMS .1.ptllh.I,lIlh.l.rm.ln Ih. Scnlllly Inlll'\lmenl(') l.lan.aJ It, m.dl, p.n orthl. NUll.
WAIVERS. I. I '1'1110 'If,Iv. d.mlnd '0' p'rm.nl, pretenl.llon, nolle. 0' dllhonor .nd p'OI.j1, .nd 'p" wilho.,1 '"nh,r nOlla
10 m..ndwilhoul,U'C'llnllh. Ulbllll)' lor rtp.~m.nl or Ihll NOI'lh'llh.l..ndrr ml)':
.. "new, ,nmonl", alenal, or ,..,,,ngll' Ihe 'flfdlll(rm. 0' Ihll In.n, .nal/or
b. Clchlllll or ,,1,IIM .nr .mlltl)' 'Ilr Ihi. Il)ln, InaJ/or
c. "I.aw Inron, _hn tlgn'lhl. Nol. .ilh., panl.11y III IOI.lty 0' lI.hUll)'.
2. f lunher .",ee 10 ....N. lhe bcndh 0' .11 nlmplhm l.wI II) lhe M,"1 Ih.1 lu,h I.w. Ipply 10 Ih, '01l.1t,,1 ~hlch ItCUm
IhU NOI~I III~ "&hI 0' "I.of', lubfOa.tlon, .nd .n)' .nd .11 aJd'nlt. _hi,h I ml)' hlv, '1,ln.. Ih. Lende, I)r .ny olh., holder
0' Ihll NOI.. In'''.IIJI"1 Ih. wai..." or .ny de'ln" "'hi'h I mighl h..... b)' \'1111,11 or Ihl .:uhlnlc, IIle, ILIncndll, 0' nlhrr
dl&pQlllhA1 of Ihe cull.I".1 which "'('H.alh.. NUl..
AlTORNI!V5' FEES AND COllEt"ON com. If thl. Nill' II A....cn lo.n 'lIoml)' 'Ill Ih. ,,"rpOll 0' ,oll,n",n, I,.,,,e 10 p'y
ba~k Ih. Lendlr. 10 Ih. Dlenl MI p,ohibll.d b~ .ppllUlble 11111III, all rcuun.bl. IlIurnt')'" reel .nd olher ,cllull" colll:C'llon co\l'
.nd Cl)Jtn".lnC\lned by II.
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1'lIl.d,hIJ IIt.h da)'o' ,June ,19-2L,
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.' (IP.A1.) (IP.AL)
an' .,,. P. Kl!tltlls v
~11"'I.,rt (SI!AI.) 5Ian.l.,r. (1I!AL)
F1XED/INSJ'ALI.Mmrr
It... 1/1/19 1\-1.17.
...--......
OPEN-END
MORTGAGE
THIS I\IORTGAG ~ SI::ClJRES FUTURE AD\' A:"CF.S
TIllS orEN,p.ND MOnT(.Ao~, In"," IliI. 4 th ~.~ '" June:
br~"'C'Dn
, 19 92
KEVIN P. KEl'IDIG !l:1D NANCY E. I(IJIOIG,
d the (':OUIlI) ur
..n,J
,~llIh: of P~I'n~\'I"allll\, httlfimdlCI ~'(lllrll "~hm~u~Jlr,"
r.\llM ,n~lJlr, ACA..I 1',0, 1:10:\ 582, CJr:l1s1", r" 17013
. CIClllh>"-""liJ.1 hC'I.'III,IIl:r !,',IIl\'al "MlJni:l~CIf,"
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IIIJd\lra.lni;.\: (III "'dlllIlJ'hl~lJn-:~'1 1II0IJ Itllll~"IIl)lb.,r Ille: Mq'lllu~\'lr hI Ih.: f\hltl~l!Scc: whkh JIi..r unloJl,;' Ih( rlll"I:'o'~'IL, lI( nl'~' 1IIIht ,..,.""
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onl; lifl.c: uUI\.h1ni,lI/lB
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but IIc,,&) nUl, h: cnul.'nlo:r.:J U) ... II\J\I.: Ilr It~ll...' muJI.' h> 111l.:; ~1\1:l,a~(" (/1 b} the t\hHrt'''c.u'r c.. rlC'nl \II p.l.ltOlIU\i tll (hI,' ('Ihll~,'ln'n'
IJr iHlQlher hi Ihe MlIrll!"EC(,
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Je"U (h"l thl. '(Illlll."e \lloJl1 MJt\I\C ;Jlld sh..1l tNl )'r ftU:fbfJ inl" iUl)' \~lhrl Il\Otlc'Le~. ~k(J 1.lf Iru$1 'II tC,7llnt\ J2r":':IIIr,nl r\c..wlltJ I,\~
It'lt ~lnnl.!04tlJr In fJ\nr of II'.'; f\h~rl~.I~tJ: llhi', LlIllrl.eI'~": ulIJ HICh \,I\I,..:r aJll~\lmt:nh b~\nl; l.r:r'=lIL~fl":l l..,Il':"I...d~ ':;,H~.j n "S"..IIIiI) lll.ltlj'
Inlo!lIt"L V1h':lhul IIIJW t~l~tlnt:, Qr hCrtlJrtcr cfll'fCd Inhl. ":\1:1\ IhlJuCh 11Il: Ml)r\:lll.'.c:, 'hI" I'lq'(11~ N the; jlhl(\I'rd'H~~ '.~~'''lrtIJ "h&llll'f lht'
~.n',~ IU dl:'';'llb~~ 1Ilthl) f1\Ut1~,I~t, AI;,O'JIIl~I~, Ihe M,)rtI:lJ~l')r nrllllhc t\h='lIl::'I&t:~ 1I,tCJlU, II ,Ine VI IIld~ .C;r"'lIll~ In.'II.)II.c:nH IH~' U';lll\le,'
:1=&nl\\ Ih-: pf\'!ptlt)', lhll )ul,,'h Ser\Jlil)' II\~uumenh ~l1all nvt ht' "leI2~J 3mJ Iblil (3.;1\ )v~h ~;u.~"il;' Imlr'.',m':lIl, illlJ II'c 1I~lIi, ':1I..'Ulnl,r,ln\,'t~
lraJ. l.e'UJI1)' i"'tt'~I~ crC20ltrl UlI:'lt:b)'. 1'111311 sv(\l\'t Scp:u;.\t1)..
~\1\V 1ltlS Mnl-nOAOI; '\'I1'NI:S~l:"H: Tilt M(ln~,'~tJ" In tJlJcr If,) ~(~ur~ UII"'llLt \l,,'n,a~l:l: Ih~ ra.,Jlll'nll I "II '.l,d'l fnol.:"'1~1n\!,,'.
.H1J fur 3nd III c....n!.IJcr.11111l ur lllc jlruIIIA':.\, Ihf o.loJ":'lJIJ pli"l,ir,~l 6um ltonlllhc hltlh.:r ,. l"r t)llt l)lflbr 1:'1 l,l\..1t (lIll\,1 tUIIl ill h:lhiJ \~C'tl
IUlJ lllll~' pi&iJ 1I) MUrlS~gu 3t Ilr b~(i.Ir\l the: !lc.,nn~ ,1I1lJ lJr.:II\..:r)' hnevf, Ic..':IIH ""hatvr ,., Id'l) .IIJ,rflH\'lr.1~r.:.1. J,I~' ~I Ollt. 11.11 ~Jlrl, '.rll,
"'cn~t'). r..:lu~t i,ffiJ ":lJnfim\ \1,.11,1 ~tonb'~il.'t, ILl )U';.:C)'lI,H., JllJ i1~,~ll:ns, ill 1(( ~l!llrlc. ;"Illtl"tI ~'l1lun IClIld 'Utl]I':, l"'IIl' and ~llf'l; III
SCJ\Jth.111lIpt.Cln TqVt'lI~hl,"" CUlIlbt:r: lar,t! COUIlI)'. fJrnn:.:.h 001:\, Ilnl.l 11\01'; tiU\"lll.lll) dc .\'t\ht,l ~\ f..:I!",,'~
ser. ^ TT ACIIF.\l SCIIEUULl: 1'01\ lJF.SCltWrIOS
'luOf,'r1tER \4'uh illI hcrr.:,IH~ill\:'H$ un.J Ilppurlun;,nl:U Ilerr.unhl bel"'I!:ln.: ilUJ olll,:nlL hSutl Ofllll'llIl"ll\ IILCHd nil": .llllmplt'\wll'!"\l'l
lhrrcun IUld 1111 (l"hlles llnll Q'.;cmlfh':~ nO\4 vr h..::r.:uflt'l JtIn"::'':~ Iud .1Io1ched th::rdv,
10 H/\V~ Al"D TO HOLD Ihe 'Ultlt UlIlu e,nl.l tn.: prcl!'.:r U)lJ C1nt.! b,ndl' LJr Mvn'll.t:t:, iu iUC'.Io:\~oll', 'JoJ <J',\ll~tl~ 1\\rl."C'f
\\ ItckE\'r,R ~1'tI.~J hl,Hlll Ihllll\u,.l,lltll~ ~\,'nJrr )tIJIIIl\dudt the (r.:lllinlw; OIt1J n~l.ter :If,d Ihr I11':'11l&:1 ;':ll.J,'1 ~h.I': Ih.lu.h' III,~ m,lH'I.\ln,,'
..nd It"'I'lIflt .n~ Ihe' ~jn~ular hUll: \h ',~; Ilh,lu..!..llLc plulJI ulul.l\ (he 1,'1lH.'II,1I1111 unJ a~rrrfL\~Ill) or' Glilnl.'r ,nil:1 t;\I'wJ \IJ ~\l,.1 hUll! 1m tI\'I'~.
J~\'I't;<:J). ftU..:('!:..M'ri aniJ .Ubl::n'\
~tORTu^G(,R /Ictch> runlu,:r t,,1l\.('tlCUll) :tll\\ ,J~r,=\"\ \',llh lllc ".h"rlll.lt:cl,', il\ \Ll''':C~.\VI' .In.\ :..,..irr. ,1\ hlll\",'~.
r:1I','= Th.t :l1)lh\na llerCdll,'lJlllumetl ~h.11 b..: l.'IJ(I..lrll'l~ lu IICl,;C:!I'I"III~ ",b\l~.llt. 1111" M~lrtt,'t;.'.'': h' ilia"', ""f'.' alhJ ,lth .In,\" hi It..' M"11~'.~"1
;,11..1 IhSl l!lc: \ol\Z "'lrpU)l' ,If Ihi~ t"'!(I~",~1.: I~ hI P'll\'iJ~ \tlllall::hd w.:u.rll)' fvr rr~:rllll~ ~"lllLn, IlIJd'I.: !1,'," ,lllll "'I !i'.1I1\ Jr,J ."hit II':&:')
the Mort~II~"'t In'~ hCllt..Cto:r lni.l~C \1' thl.: MOr1~a~l,lI. Ih.i1thiJ llbl'ncH,un. vt l..lk thC'rt:I)1 \..f( Ihc Mvrlj;~',~r.:r.: It,,' nt,d:.;, :I~) r\":Lll~ h..IM ..lr ",IIJ.
'iln.:u lu Iht MOf1~Olevr h IIIJI '~lntalne-'" h~h:ln, bul rathl'r I~ '1:1 fl.lrth itl1hc' IINn:'!1 or Ilth~1 1\,1.'" tJ.,..utllt:nIS ('\I.kll~'ll'~ ~11111~"I~"lt'~ II,'
~.bl.dn... to th. Mort~.~c<
SQ,ond: "h.d lit .....'ntH) t:..n.:r..lI)' tI:t prol'lIll)' h..:r:lJ)' 1 VII~'e)~d, th,11 Il~ 1\ M':It't;d IIl,,'''llr HI f~~ ~tmpll' ,lInl h;I', ,I r1~hl I\,' ,"'In\'L',\
'Am', ,h...1 i1Q h:a~ dvnc Ii,) ,L,lln .:u...ullllll:r 11Ie- ,nl\',(. lhrtt Ill; \\111 C\c:.:UI( ~lJ..1\ IL,rll.1.'1 u',!ollr"n':CI\ Ih\!....\'r ,,) II In:,' l'c h~\liaht;", Gnu 1I,.u)lr
Will V~, th~ prc,,4,1':(lh ~'Ilh.; ~'\oJllI:') \r.'I"IlIC., h.,:rcl.lY 5",,",1> It)r III~ pur"ll'e-~ ~,'t hHth HI hh ,Itlrh.,:~tl""llbl hlr ~"I" 1,lnni'"
Third: Tholl'. uiJ lh,~ li'l.. 1') lhe h'~ll~:, . .-.n...e-)t...1 prlll.,!:r1:, b( :I~'1lj,,'J 1',1 ..n~ p~I~l"lll, 1.".III\C't!ohil' pr n'lpN,'!.I.'11. .',111..., Ir.Jlllhr ~1r'n.
vn,vr, b) \\'Iun',.,~ I.Ir 111,,;\vr.l.u)' ..'Jill vr -",'tII:'OnlCI,l. III II: ;f 1"1 l' ')tl\~, Il\a:'\n,:r \lllh..IJllhr f\111~1~/ltr~'~ \\flllCII' lJ..~,.'nI (lr .,h""I,j Ih~ I-Jllh.
br enl.l.unbcrclJ 't.n Ill," Mllrtc.I~"r, III) tll:ll~, IJrNII.a} rerrr\l.'lllilllle'~ 11'111 Jni~n~, \\ Llh"'~f\ the t\h\ni'uCIlr's \If,ll.:n \,.'ln~.:r,I, Ihen JU of "lid
Ilh~.,h1t,Jncn \1'10111 ill thf IJr\ll,)r, ('If Ih~ ttl,..rt);Jitl.' hllllHhllwh'l~ bc..wlI\ JUt nnll \,\'\In~
.'vurlh: Th:u h..:: ....111 p:a;.' UI (,'lilt: Iv t.t" 'f-'IJ ','\1ffl Ilw iLllll..h:bl,l.IllC\~ ~l.I~ul.:,i ht:r,,'by, cllld ,lll~ t\...~.hl,.rl'., fCh..'\l:.ls, n,rltt;Hh,dl~).
mvl,hn~.aII4Jn' ~r rt"nlvlltlwll(l"~ Ilun(cL I'Jf':lh,'r ....111t "llllller~~IIl\t'rC'nrl. olllJ .Ill tllh~r .'IJI,I\, rndu,\t,,';. tlu: 1:'1'. 11"111,0110.' Of'.\ 1'I.:r;1~'l"Itlll
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1I1 lu".' ~.tIlH~C'. pu)ubh: h)' hUll III u.l.'(I."J,III~'l' "'dtll lh~' h:'lIltllJltllb IIHinl',J~C UIIJ 1111: IItllL'I!I) !ll....uFl'~llll..":h)., unJ 11~ICI.'~ h) pU)' tlu: bUIJ
lIIJd'lcJnc:u "lIhllut IUI)' ~l:HJll ydHJlL'\~r; HIIJ Ill:'!l hI.' IiCf~h~ c~plc",I) \\'0 1\ CI'I , hI the l:\ll'Ilt tld flHl1l illth~' 111'11.'1111 M'nJlrd hcrch)' unJ,
III UII> C\'l:llt, hi the e'-Ielllllf till' I*llll.'ft)' JC~l..tlh~'d hen'lII, Ihl' t:t.'Ilt.'rlt Iff tIll C)"ClIlpllflltl, Ihlllll''''Cui.lllr 11l11l:h\.hl!. under Ihe hl\'" of Ihlb
llr un\' uthe, &\(1IC:,
l'Iritu Thill he he,d,), "t.~IVII' to Ihl.: ~1t1l1~11~'l.'l' Jt. ~thJI\lllflJll'lJlIlIll'lallll\ Ill~llllll''' 1lllltli~'1 IIIl1lnl:~ dUl' III hI bl'~llme dll( IIlHIIIII1)' t>utlu(c:
llr ~lJl,.uthu:c ti~ht ut hIt llll~' n~lllllr PIl\'lk~l' IIlhel IlIilllll'l a~rh:uIHlnlll'urpil'ct'o 11I1111) \\11)' ullcdlllg. III pellllllllll~ In Ihe ptope,.,) h\'1ch)'
"'11tl\c)'cd ulld ullmuldCb \\llIdI1l1l1) hClllllll' IIIIC III 1111) ll.lIIdClIlIlII111111 prlln'\'JIII!!'" Illh:(tllilllllr: "Iud I"etlll~r:" ~IIIJ ull !lUIII~ Ic....cl\t'J l11uy
lH: lIpplll:d, alllw II1'1IuIIlIf Ihl.' f\hI11~u~ec, lu thc dl~dlul~e ~lf un) l'oIl1lH 1111 ut II,l' luddlll'dIlC~1i hl.,'(Url'J hCll'b)', \\hl'lhcr ut I1llllhe f111t1l1:
hr OUt unt! IHI~'t1bll:, ur utlllc llJ1l1i.1l11.l1 \llc Mllltflll!l'C, Mhh "Lilli" tlhl~ hc IclUnlL'llll1lhl' M,"tl:u~I." lIr.ll Ihe M~ltlVU~tlt \\ill n~)1 ~tunt un)'
Muful.:e lit tluh!'lurful:e rIl:ht~ Wllhllut Ihe v..1l11elllllll\l'IH Illlhc M(1f1j:aVt:c, Wnlll.lut ill nll~- \\11) hllllUll1!- Ihc pl.'llcnllll) of lhr f(\tq:_'llll~. Ihl:
allll\C IlIclltioJU.',j rt~IHb und 1'rt\11l.'l.!c\ \',uh tel>pc-,:llll wllI.:11 "uld tllYllllIct.lIr 111liel IlIllllleli arl' n~...i~llI'J Itl> uJJtll11lHtl co\!ulI:rul t>hullllldu(I~,
lH.lt not be hmilcJ III, !lurlal.:c lIr Iiuh...urlul.:l.' 1Il111l:IUI ClHelllerllll utili plllrlll>, 1l~llb III U'l' III all ~1'''\.'C, lilllJ u...c 11~1l1~. and 1ll.!h~Clllclltli rCbtric:1I1l1l
fl.lrtKulur IUIIJ u~c~, i11cluJlIIl! IIll1H1l!fIl'ulturul uo,l..'\,
Sh:111l Thai. UpulI IClluCI>1 uf till! Murtfll~CC. llll: Mllrtl'JWlr \\111 fUIlll,h hI lhe t\11111[!ilJ!I'l' ~1I11\l.1iL1I~, hlr 1',ldl P\.'t!-111l Ilr CIIIIIY l.'hli~"IL'J
10 repn>' llH: II1Jdlll'dIICI>\\ IiC\.'UII.'J hl.'rch)', \\'1111111 rUUlt)' J,I:.\\ ulll'1 llle L'IlJ "IIIll.' rl'pIlII1l1l! HhllgI.H'~ fl~(1I1 >~'ar. u buhll\l:c ~hl'l't 11\ or Ihe
end ul ~uc.:h Ii~cul )l'ur. IJIIU It pr(lrll unJ 11ll>~ ~IUlCIllt.'1I1Itlllhl' ~l'iJllltl'll ClldltllL tIICildl (,I'l' In h1rllllllhl ',IJb\liltl(\' il~'l.t.'I'lilhh.' !lllht Mlln~:l~l'C
utld lCf111'ICJ 1.1', h':lllg InJ\.' >!lId \.n,,~'d ,IIIU ~lIlllilltlllll! 11111110111.:11,11 1Il1','I.:I'I~"~I1\llIH'II'> 111111111"'"111 II lh~' Plllhl!,,11 .dllllllllllllth~' lIlJd't~'~II,\'''~
wc.:ult:ll he'eh~ 1\ 111 c),u:..~ III \1\):1.00000, Ill' If 11I1.' ,.dlll' III Ihl' pCIIIl.JIL\.'111 tlI11'Ill\Ctlll'1ll" hi I Ill' 1,lOJ ....llIdl .11'" II"L'J fllr Ihl' PIi.lJu.'llt11l
IJlltJdlr ~hlrul!e ulllgfllullurul flllli.hjl'l~ I.. tlllll\.' lhan :!~',;, \II I h\.' IUl,11 \,dlle 1I11Itl'I.:i.lIl,llelill 'L''.'lJlllll!- ..11(11 ill..khl~'dll':"!-, ,>u~h r'I1,lIIdal illfLIIIIHI"
Ill/II 1i1\...1\ hr:..o PIUVl,JcJ \I,ollhllut fl'i.!lJe..1 h) Ihl' MlIll~,'~l'e ll..ulII nll;llIllilllnlurlllalhllll~ 1'1111l11l1"Il~'J i'" "bml' rcqulr~'U, allJ loUdl faillltl'
(l!llllnuC'1'I fill 111Ir1} JU)'" IIltl..'r \\Il11l'1l Iltllll.:C \II IIII.' M(lIl~'J~\lI Ilf ..Udl IJdlll"', ..mh 1,lilull' ..11,,1\ ~lIll..lllU\'" >Ill L'\'Cllltll Jefault hCIl'ullder.
Sl'\Clllh: Thallil' ....dllll'ure iltlll het;jIIII'>Ull.:d hIJildllll!' ,llld lilhcf lI11l't"I\'\.'llll'llI" 1111\\ 11111'1 \\lIkh 111.1) h~'f\"III~'1 he 1'1;I(l'd Iln ..aid I'rcllll..e"
o:pltl~lllJ!>!I ur l!llnlU~e h) lire, 11~111l\l1l~. \."1'[""11111. IIlll, .llrl.'f.lIt UtlJ \'dltdc.: Jalll;I!!':, ~tlllll.c, \l,llIJ~hltlllllf 1I,L1111! ~'''lllpalltt.':'> anJ lUll\lUllH
~JII~fuCIIJr)' lU lhe 1\hJf\~il~eC, \10111..'11 allllHllll uf III~unlllt.:L' I,,'H\'l't>I!!C ~Il,1l111l ;111) L'\C!l1. ulllll' lIIillllllllLll. \'lllla! ~'lIher IIIl' hal.llh'C of lhe In'
oeble"h1(.'~) "C\.'UICO l.l.'reh)-, thl' .J(lIJ.I: (,J,11 \,duc 1l11!L\' plllj1Crt~ lII~IJlL'J IIr Ihc IL'plil(Clll!"1l1 (11'1 ulllll' ptllpCI1~ III"UrL'J, \\Ilkhl'\er i~ k"!i
Illhe prllp....n:. II> rllll !;tl\l.'rIl111l'rlt llllllldalcd 111111\1 ,11l'a \\twrt.' pJllh:lp.l\ltlllll1 tilL' I:euclill Fhl(IJ PtIlgrallll' Il'll"llrcJ. f\1...\r1g,l~l.)r I1lU~\ obwin
FcJl..'rul FltllJd In''Jralll.'C An~ 1'(111l'~ \'\l~kl1(lIl!! ',udl II1~Urollh'C ..hillllw Jq'd'lleJ \\1111 iln~ Itl.... lhl'lellll~\t.:r III h' pllyat'~c 10 lhe Mi.lnp~ec:
i1~ ll~ Inll.'rc!il lI\>JY i:ppcar, Illlhc \."':111111 Ill:,,,, f\lllf\ta~or \\111 Vl\l.' llllllldlalC 1\I'\ll,,'l.' h~ 11I;111 hllhl' t\hHlva~l'C, \\1\i.lIl\JY lI:a~c ph1lJf I.'f
lu~s If nol rnll'jt' prc-n:plly Il~ ~.lungJ~tlr, atld cil\:h lII,ural~cc l.:tllllP,III) ~1I11\Cnl(J I~ h\.'ld1) UUl!lotl/eJ JIlJ Jttl'.;h.:d Ii.l lilahI.' pll~'/IICnl hlr
~ud; lU&!110 Ih~ ordt:r lJIlhc \111rt~n~'cc tlllly. In'lcuJ of 10 thc ,\~~)rtgugllr alllll!l.... t\hll1lHll~L'C Jllltlll), unJ 1\11.' It\~UtolIKC plO.:ceJ!l, ur any
pal' thereor. I:\:l~ be "ITltcl.! b~ tl'e Mort~aFce In thl.' tL.'s\lltiIU'ltIllr tlTalt .,r the daJrl;~~(.1 rr('l'cn~ llr ilL Lho; 1.11 lion uf lhe r-.hll1~a~~'c l11a~'
b: lil'plied It! the rl'Jt;';Il~ltlllf the lfIJlbleUtlc:,,, ..r:~ured ht,'rcby. If I\hH't:;I~\.'l.' del'l~ lu ,11'1'1) ~u\.h pr~:\'L.'eJ~ III S:ilJ iIlJcbt'.'Jnl':lIl, ~l(lngll~~':
..h,lll h:l\'r: ~l)\.: .lt~...-r...tll.lll a~ \<.lllll' lIIJllll.-:r 1tI whldl till' ajlplll'iHllllll.11..udl pl-.l~.cd~ t', Jl"lnblllt:tl :.lllhjn~ ptlllcljnl. lllt':rI.'H. ..:h:H~e~. r..:tlahie~,
c..p..:t1~C!, and ~'u'I~. ell' (l'lllIHl:-'IlI:! llll' ill(kbll'~IIC~~ ...c.lltcd lll'rL't'1~ In lhl' l'\.I\', .II rlll...d().~'Jre Ilf lid,' 11111rl~atC I.lr Ih~' II';JlI~ft:f uf \HI.- Il.l
the ll1on~uged prl'perl:' 111 C\1ll\:;lmhrnclll uf lhe 1IIJdHt.'l.lllC~" ~C;:UIC~~ 11'~I\.'h~, ad n~ht. ~ltk ilud Inlae..1 tlr tl'.1.' M.lrt~:'~~H In and III :In)' in.
~1Jr311l,7( ptlllclc~ Ihell In f0r(c ~,hall pa..~ lu tlte pUldla~l'r or grant,'c,
[I~hth: Thai Ill: will pD~ \'.l1l'n Ju': all tJ~';S, 1l~'lI!1, .I\llI~IIIc.:t1t~ Ilr ,1!l~I,'..,nKllI~ Ill,'fCI\l(i.ll': 1.1f hl're,lfll't k\t~'d. u.~~1,,'..)~,11'>' ~'l.lmtJtulin~ Iicn~
UPO:l Ihc rr(l~my h\.'rd'~ l.tlll\l.':ed~ ali-.llll tile e\1,'1ll f\hlll~,J~(lr L.llb III pay 1!IC S,lIt\!: \\111,'11 dul' or IJd~ l~l m;lIl:\.lln i~IH;rancr: as h~rc:n
Plll\ itled, Ihe: !\hH1~lI~~c 1lI;1~ rnahc ',U(11 p.lytlll'lU or pr\l\itle wdl H\,UlilllU': i.iIlJ ~l1ll'\llll~ P,IlJ Iht.'rd\H ..hi,lllll..'l.:lltll": 1\ 1';111 or th..." illdd'll'JllC~'.)
~~'=urcJ hCfcb~ atlll b:nr ill'~'Il'''1 a', lite \lllh~ltz riM lkn III dll'I;1 (Will III~' dalt' ~11 paYlllt'nt,
~Inlh: Tllill nol\\ llh'lillldnl~ un) Ilf lh~ prll\l'llIll~ or Ihl:, rn'.lrl~llpC hIt P> Illl'lll llf I!\:.UfUll.1.' pt'L.'nilllm.., 11I'C!\. n!IJ a.."'l.'~:>I~\C'Ill~, Ihe
~'llngill'ec lIlay at II', Ilplllln rctllltl~. Ihc ~.ll\ll' tn Ill' pillU III Ih-. Mllrl('Ht'CC ltl 1I1'1.111111,'lIh Thai Uplllll'\~'r~'l~\' I.I( ~,llJ 1'1'111'" b~ \\ nUI'lllll'll'l.'
1111111 tht,' MI.)r1~:'~cc b~ lIfJll1.JI) n;>lll, illullH addtllllll !lllll..l,tlilIH:nl p.I~lm'lll~ IlIl1h~'llllk:lll'JlIC'" '~'l'Ul~'tl h~'ld\~, ~hlrt~,I~,'r :ollall PilY I~l
tilt.' ~11Irtl:'illH'~' UI:U! ..;110 illddll':dllc", I'> lully 11IIld, 111\lallllll'III' Ill' \;I'I.'~ "'Id'fl"'~ hi: lI'~~'~',lm'lIb IL'\ I~'d (If III h' I~'\ Il.J "pIli'! lh~' rrelllio,c!o
lO\l'rctJ h~ llll~ I:HltlrilfC, aud 111"loJllIlICllI' ulllll,' prl'lIIlutn (If pl~'IlI11Hm tll,11 utll h.'nll"': lhlL' "lid fHI~,,\lk hlll.'lIl"\ ..U(l! ilbUfath'l' 11n IlIl'
pn:"H\e~ lU"l.:n't.lltcr>:hy ll~,I\ll'lltl"~ II) I'll... Of IItLt.'I ha.',ud." "',I',ll,dllC' ,llnl Ullltllll'~'ll~'I\.''' ,I.. 111>1.' I..., rl'J:'>1I11 tbl~ l":tIUlh'J b~ Ihlo: \hln~,I~l'o,'
JII iJllllJUIlt", lilt pCllll'Ji, iltlJ III i1llllll[l,lll) III "'1I111p,IIII~'.. ,.1\1.:,1.1111 ~ tlllltl..' 1\!llIlt:.1rl'l.'.'1 hl"~' 1l1'1..II11Kllh ~h;ll! II,.' l'qU,11 hll"IIIIl.IlI'J prl.'lllllllll
I/~ prellliutll!-> fur ~(ldl IIl..ur:Ill~'t.:. \;p,l'~ ;tIIJ il....I,".,llll..'tll~ IIl'\1 d'.J~' I.l~ \.',lltl.;lI\.'d hy llll' M,IIl~';I~I~~'1 11.:...., 1l1'l.lllllll'IIl' ,llll',ld) pilllllli~tdllt.
dl\l~kd l\~ th,' lH:l\\b.'1 ,11111~;.ditll<.'llll,.I~H\~.tlh 1\\Il~.tlh'l ,1I11l11,d, "~'lI'I,lI\lIIl,II, 'l1l.Hhi1) nl HI"..dd} 1111,11.111 I" I", ,'IW .hll'!lll 11ll' twhllll dIll"".
'c~lIrl.,:d hl.~'L'll! 11~'1'111.: '1111.' III'lIllh ptl'" 1"111'.11.,11' \\11"11 ',111 1, 11l'lllIlllIlllI 1"""IIIIHl', 1111.1 1..\1', .IInl ....,'..'111,.111.. '.\ II; 1"',"1110' .I.'llIIqll"111 'I Ill'
Munllugcc I>hall huhl :,UI:1111l\laI1111cllb IIIUU',llu Pol) tll\.' Plcllllun; ('IIHCllllUlll~ alld I.,\,.:~ Illl'.! a"I'''~l\I~'lll~ 1l,'I~lIe 11l~' ~,lIm'l""'~'.Il\l\' Jdll1l11lC1l1.
'lcllth: Thai hI.' \',i:II,r.:cp i1l1llllprmclll.:t1b Ili.l'), llr hl'r~'.llh.r lo~all'J tJlllllc pICllll~~~ III l!~li.1J n'p.ur~ lhalll~' \\;~IIll,I\l\\,1I11 ;lIlU \H'rl.t\lC
plellli~e!\ hl'rct'\~ c:on\c)t.:d in a got'd 1J1l.J hlJ~bilndljl.l.' lllan:ll'r. lllill he ~i:; UllIllllll rill \\'J"I,1' anJ that hl.' will 111.11 l'lll llr r\'IIII.)\'C ,1r f'l.'rl1lit
It! bc cui or remme.:1 any \\i.lutl or limber Irl'1I1 ..alJ pll':Il1l'>C!- l.'\l.:l'pl 111I d(IJIIl'~lI...' U'C ....lLil',IUI th~' Wlltll.!lll'i.lIl!-l'lIll.ll tll,,' :o.hlrt~i!l!CC' ilnJ Ihl:
.\lunl;a!;~e bhall hil\'C Illl.' tl~hl hy IIljlln':llllll ~H dlKrwbl' III prC\'llll thc (Ultlllg or ICIlI{J\al of l~t~y \'.llIJJ or LItllh'r fhllTl !iuld rrcllli~cs
ITre."l'ICctl\'e lir \\hl'tl.cr or I"l'It lhc h;il.llll'e tI( tltc ~l:l,;lJlIl)' l~ ampk hi pIUlC...'t lhe Mtln~agl'l.'.
Elcvenlh: 111:1t he h~rcby fl:l'rc..Ll1t:> ilUJ Wilrr:llll~ hI r-.ltJrI~II~CL' lllillllll:rt' jjll: 1\11 lIliltl,'rlals lllt:lcin;lflcr cullccli\ll) l'"llcJ "Sp...d>ll :o.tillcnah")
plc!'Icnlly II.JI,:aleJ ell III ncar tll\' rrl:lIl1W~ \\'11l~h, ullUl'r It:tl::ral. !>tOJI~. or lll..:.d law, ~LliUlc,lJltlinUlKl.', rl.'glll.IU"1l ~Ir ~(;!I\lJarJ. or aJl1IlnI\lrilll\e
or ,oun unJ~r ur tlc.l.'rcc or pfi\'UI~ iJHr~'l:tlll'lll Ill':rl.'ulidtcr l.:llllc(li\l.!l) calleJ "EII\'ili.llllllclllal RequlIl'IllClIl~"), n'q~llIc ~I'l'dill hanJlml~ 1I\
u~c. ~enc:rallml, Cllllc.;ctlllll. MInar-c. trellllllCllt. tlf Jt~pl.~~al. (II pa~1l1CI\1 ~lf (,"'l~ J',';,.ll'ialcJ wilh tC!-p~llldinp hI Ihe LI\\ful tllrC~II\C~ llr nil!"
court or Upl.'nl'~ uf ~'('lllpl:terll jUfhJklioll Of IlIr "illlililll.:t.:I.Hldlllll' I~'..s, Sill'll Sp":l,.'i,11 Matl'tlilb Il1dudc tlll'''c lhal \Wlall' till) nalli.lnal "r 1\\t:~1
c(;nlln~cllC)' pl.Jllllr ll\~' rCkll'l..' lIr tlltc.lll:nt.'J IC\l.'iISI.' III \\hkh 1lI.1Y \'illl.uc ," l'rl'illl~ h,lbllllY undl'r Ihe l:Il\lh'llllll'lllal R~'quitl'llll.'lIl\, SII\'h
Splt':lill MlllCrIlll.. I\!~(' H\l,,'lu~k tal il.lll'.'''\o~ III ,illY fUflll, (l ) utea f',lrlllall\l.'hydl' fOilllllll',(II:tIl\lll, {1:II'Jlllt L'lttllilllllllr kad, Ilr t~lllr"n..ftlr1l1crs
or other Ctjuipfllcn\ \I, hldll.:i.:tll,lln Jlck!,'tI i\.' llllid lUlllillllln.! Illllydlhlllllilll'd b.phcllyb ((lIH\llIunly h.'fl'm',ltn ii' "PClI!>"), M(lrl~a~llr rurther
rl.'prl.'!i.cnls unll \\':Irrall~' III ;\lllllgal'ce lltill the I'rlllll...c, afC 1I01lllW, lll'1I1l: IIS\'J 11m hil\c 11;~'y neT bcen 1I,,~'d ill Ih\.' f\I\1 (~1r thc r1cli'/illt.:!\
lIldu~hng lhc u~t:, l!Cnl'lalli.lIl. l.'ulle..:!IIJlI, "lllTill;'C, Irl':ltllll.'ll!, 1.)1 dl"'''Yl.d III illl) Spedall\laICri;lh. anl1l1\ p;H1i~'ul;lf, \', I\hollt llltl.lill~ IllC ~l~n,.'ralil)'
Illlh~' 'ufl.'l!t,irl~, tIll: P'l.:I1lI'l.''' ,lie tllll /111\\ hl.'lIlll u\\:d /lilI hil\l.' Ill!.') 1.'\"" h,'L'1I 11,,(,1111 Ihl' 1'11'1 ILlI II LllldlHI. \11I1.1"'\,' 11Il1"lundl11t'nt IIr l'lll~'t
urclJ fur 1111: 1Il'1l1l11,'1l1. 'IUlIII!L' ut JI~IIII'hll III ...IIIJ \.'1;'11.' IlIIdIHhllU ,ulld \\II'IL' ,udl ill'> :-luJl!l". Ml1rl~,I~\lt will IIl1t !'talC' lit IX'IIIIH HI
b~ plal.'rJ IU1) bud! Sp,'\'),11 ~1,lll'II,II, 11I1 'It lIe.1t Ihl'jllClllt _l.'\. t\lllhHI~ hl.'ll'IU -,h;lllll'O ,k,'Il11'" hi p'llhlhllllr 11'MIILllhc tJ\.c, n,lIcl,"lIulI, ~l"ritr~'
111:011111:111111 Jt\\1 .hul III II 11',lIJllCllllll~"ICIII v, 1111 ,Jppll,al,ll' LII\Ul11llIlC:IIl,III(l'Ljlllll'llll'IlI", llllll~l'l'll(hlc~. Iil',hl\'-IJl'~. lllllther 1,<,\IIl.'h.h:\.. r~r.
1I1l1erll ur rclruh:Ilr11ll1lkllJt..b IlllduJII1~ ~iI"lllllll', Illllll,t Iud, "1,Jll~,"',I'"' 1ft!. IIl.'illttll~ lid) ll~ 1'.lIlllf Ihl,' .ltltrulnl/ul ('I""faIlHIlh 1111\\ HI hl'I"\lll\'t
llJtlllu..:tcd h) the MO/ll!lll111r IIl1lh... P'l'll1l\t'" III II l.'ttIlJ lUlU hu,h~ltlJII~t' Illil!lIll'r MlIllf(ll~UI IUI111cl Iq'll'~t'nl" ulld \\lltrUlIt" hl MlIn1!"Vcc Ihlll
lh':IC! utC I1U \','..:11\ lIf H'plll.t,ill~~ 1lIl'lh~r urldcfl,'nllmJ t.Jllh~ t\\lIl'llIt'l \'IUIl:llll~ III U~~ IU (111,lI1Jll/lcJ-1I1'pl,I,"',' Illllltt' 1'1~1Il1~C~ H:t\llllf lJ.1I~ tHllcr
prupC!'1~ Dnd IIHlIllu:lC ure: I"',wclth Ilr ~cl'lIl: lillIl.~ 011 tlllll.:I plup..rt~ M.~l'\lJIV Illl' pll.'llll'C~ If ul UII) lHlle 1I1!1 LklCrllHlll.'d IIrUllht'IC Ute: Sperllll
MlJlrrtulll hll.lIltJ Llllllll' I'Il:jlll't.~ "'hldl und,', .1I1~ 1'_II\Ir"lltl"',:III.lllh'lltllll.'lIll:111 I l:qulIl' ~pcl.'l;ll hlllldlUlU III lJ~l', VClIl.'llIllilll, \'11I1t'(III'I1. ~hHal!C,
IICl,lll1l1:lll, Ilr JI'pLl~JI, I\h1i1l!llj!11I ~hall. \\111111I Illll1~ 1.101 da~'" ,ll'll't IHl\illl! nh'lllllcllllllllalldltl"'kdl!C IIiCll'IlL hl~,l' or l'.LJ~e hl he In}..l.'ll, III
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I-ul"h u~uun. I\hlll~;I~t'l.' 1lI11~ lIla~t' ",.h:Hh:C~ lIr PolYHlCllh In\\'ard~ p\.'lltlllll;ltl~l' IH :-..ltI~(jl(ltlln of lit!.' !-al1ll.' btll ..llllll ht' II11Jcr 1lllllhllftllllll1 toll
ill LII1; anJ all ~1J1l\" ~II ,llh,;tll(~'J Ilr P,llll. IIIdLhllll~ illl ~lllll' itd\,lll\.\'d Ilr p;lhl III \I1111l~'l.llllll Y,lIlr IlllY Illdltllllllf ,'.!ll\III~..trillhl' in\\.'''II~>I1111t1
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plcl\li'c~ !'Icl'uH.'d I"rch~
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ur Ih~ lil'n III III\.' t\lI!1I~';I~l,'. 'II Irl,Ut l"'l'crl'>l.". IlIdudlll~ hut 111< lllll\ll'd III ;1'.h'rll,'~" kt'~. l,y rl''''llIltll dl'lilllh h,'ll'ulldo:r h~ Il1l' l\hll1~a~l'r,
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blllllll; ruli.' Ihl'll itl l.lt..:tl 11'1111 lill' JiltC III l'it> IlIl'nl
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lIlil~ t'l.' ~1\'CIl h;, .m> ,1"'\ 1.11 ad' 01 ,1""llthl~ 1111" In llll~l' llj \\11I..l11ll0l~ h..rI"Jlll'r Itl.' o!ll,ld.d, ,ul.' h"..td\~ I,H~\i.'r \\'.lI\l'J and r,'lca~l'J
Shtl'clllh: llltll \\llliuu! .1111'LUl1g lhl' lhlt),ll!:' Iii lIlt' 1\1""I!,I:~llf 111 ,111~ "lhl'f l'i.'I'llllll'\'"t'Pl ,lll~ p..t ~lllll'\pr\""l~ rl'leOl'I'lllll \IIHlrlt:1 Illf 11,1~'
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\1.llh re~rCll 10 JI1Y ~t:'.urIlY n'h 1,.\1"...~,1) Il'll'.l'l.J III \\IIIIlI!;, unJ Wtll!IIUI .Jlll'dltll~ thc pll,lfI'~ uf Ihl' llcn l11 till' ll\IJnp~", VII' \hm~;j~!:l'
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IY, rCIIIIJ/" r"TIIIl,11. "l'\tltnll~ loddlll'ihll,:...., IlIdudll1l!- IIll t'r allY pOln III' Ihl' Pltllll'rl) l"'UlWyd hell'by \llllhlU: afh....lltlf. Il1l' 11.'n pnllnl~ III' 11m
ntnl1~"gc IlI1 I Ill' rr...'tlUIIlllkr Lll lilt' plllpl'rl~. ldf 11ll,' full .1I111'LlIII III illl~' 1III.Il'hh'dll...." IIIIP,1Id.
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'\1:1 Nil. I:(J of Il}II:I. as '"II':l' 1\1:1\ II..' iltlJl"l.,kd 111l11l 1I11Il' 10 II:llC,
I'HUVIULD, 1l0\\'EVl';:C 111;11 il ,'ll'rlFi'l!llr ~h,ill \\dl IlIlJ 1I111~ pay 1\1 ""HI'~' 1\1 hi.' 1'.\ld i111111.ll'I'I\'dll\"l> '"'dll\.'J h,'r~'h~ ilnt! ull Inll.'rl'..l
IhcrclJn lI11J ;11101:1;;1' ~\ml' r;I.\ilhk hy ~h\ni!.lt'llf, III .It"lurtl.IIl~'C Willi Ih... \1..'11\1:' II! 1111' 11l1111!,ill!C nllJ Ihl' Iltlll'(~1 .....'dlrl.J I1nl.'hy, 011 the llllll'~
ll"mJ In Iho: nlllllilt'r il~ hereill 'l'l I'lll. iHlJ ~hallllllil'f\~ I"l' 1l\'1111111\ 1Illlhl' I\.'JlI:!t, \,ll\'l'lIil1ll~ mlJ t:lllllhllllll~ of 11m tIlUI\~,I~l' unJ ill1~' ~lIhcr (lhltgll-
\InnIs) M'curl,'d ht'rl.'l'l1', Illl'n 1111' llhlnp\~t.' :.hall hI..' \llllL t'ttll'rwhi.', U h h' 1'':llIilin III full filrec Hllll cfkl.'L
1(\ WITNESS wIIEr':'EOr Ihe MU11t!agm. IIlll'lldlll!:! III llc kfall) hlllllld, halo hl.'rculllo 1It:1 hi!'l hanJ anJ '1.:;II\hc d,,)' :.rnJ \i.'.Jr a(IJre~il,d"
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._-;"-~., 'S\. J........::..:.-.._,.:-I__~r.;'-:;.:::::......:;:'........._ __'..- __!.J.i\,:"u_L_ "...l.'\.~_0___(SEALI
'---- .' """,,_ - -.~ Nancy r:,1!.'2ndlg v'
; ~ tSE/\L)
tSEAl.\
COMMONWEALTlt Of J'ENNS\'LVANIA,
COUNTY 01' CU~UJEI\lAND , 'I:
Olllhll, Ih. 4 th ~ny uf Jun<l
[)lIIm N. Shoop, 1\ notary public, . Ih. ulldmiun.d oll1m, J1<1,uII,dly upI"'ij,.d
, 19 92, befor. Ill', .
Kevin 1'. I{end ig & Nancy E, Kend i
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,"II,"n In m. lOr ,nli.fu'lollly PI<MII) h. b. tl,. P"'Olli" "'ho,. 11/111""1:'111'" ,uh"r1h.d 10 lh. wltl,illln.ltulll.m. nlld /I,kno"l.d~.d th.1
tJ,. y....UleU th. 111I11. for tl,. PUrpuhC' Ih."ln U,"I,""d,
IN WITNESS WJlE~EOf, I It '.unlo ,,~QTA8I~~~M.~h'ljl.
DAWN MAF\lfiiHOOP, NOliI)' Public
M) 'Olll/lli..io" ."1'1.." 6hlpplnlburg, CumbollDnd C<lunly, "A
My Commllllon E~plr.. Fib, 5, '996
G:Ju I ,JIh l ~~ ,~p
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Ycrk, PA 17'.0"
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York
Farm Credit, ACA
3301 W..I MII~.I 51,"1
\'O'~' p~ I7l0HBOB
T.I"lMI\. (717) 702-26l1
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
~~y RE~ t~ij NOT,CE, yOU MAY BE ELIGIBLE FOR
F AL S NCE OWARD YOUR MORTGAGE PAYMENTS
August 23, 1995
CERTIF I ED
Re: Account No, 024851-04
TO: Kevin p, Kendig
74 Kline Road
Shippensburg, Pa. 17257
FROM: York Farm Credit. ACA
3301 West Market Street
York. PA 17404
YOUR MORTGAGE \S IN SERIOUS DEFAULT because you have failed to pay promptly
real estate taxes and installments of principal and interest as required for a
period of at least 60 days. The total amount of the delinquency is $6.609.51.
That sum includes the following:
Real Estate Taxes $ 2.543.00
Amount past due $ 4,066,51
Total $ 6.609,51
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT FORECLOSURE
on your mortgage if you comply with the provisions of the Homeowners' Emergency
Mortgage Assistance Act of 1983 (the "Act"). You may be elIgible for emergency
temporary assistance if your default has been caused by circumstances beyond your
control. and if you meet t~e eligibility requirements of the Act as determined
by the Pennsyl van i a Housl ng Fl nance Agency. PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS.
Under the Act, yOIJ are entitled to a temporary stay of foreclosure on your
mortgage for thirty (301 days from the date of thIS Notice, During that time you
have the right to arrange a "face-to' face" meeting with a representative of this
lender, or wi th a des i gnated consumer credi t counsel i ng agency, The purpose of
that meeting is to attempt to work out a repayment plan. or to otherwise settle
your delinquency. THAT MEETING MUST OCCUR IN THE NEXT THIRTY (301 DAYS.
If you attend a face.to.face meeting with this lender. or with a consumer
credit counselIng agency identified in this notice, no further proceeding in
mortgage foreclosure may take place for thirty (30) days after the date of that
meeting,
The name. address and telephone number of our representative is:
Mr. Gregory S, Cornwell. Executive Loan Officer
York Farm Credlt. ACA
3301 W, Market St.
York. PA 17404
Telephone (717) 792-2641
The name and address of a designated consumQr credit counseling agency is:
Urban League of Metropolitan Harrisburg
28 N. 2nd St,
Harrisburg, Pa, 17101
It is only necessary to schedule one face-to-face meeting. You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting, you have the right to apply for flnancia1 assistance from
the Homeowners' Emergency Mortgage Ass 1 stance Fund, In order to do th is. you
must fi 11 out. sign and f1 1 e completed Homeo~mer' s Emergency Ass i stance
Application with the Pennsylvania Housing Finance .Agency, The consumer credit
counseling agency will assist you ln filling out your application. IT MUST BE
FILED OR POSTMARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your application to the Pennsylvania Housing Finance
Agency, or you must fIle It at the office of one of the designated consumer
credit counseling agencies listed above,
The Pennsylvania Housing Finance Agency is located at: 2101 North Front
Street, P,O. Box 8029, Harrisburg. PA 17105 Telephone No, (717) 7BO-3BOO or
1 (800) 342-2397 (toll free number),
An appllcation for asslstance may be obtained from this lender. from a
consumer credlt counsel1ng agency, or directly from the Pennsylvania Housing
Finance Agency.
IT IS EXTREMELY IMPORTANT THAT YOU FIl.E YOUR APPLICATION PROMPTLY. IF YOU
DO NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY,
Available funds for emergency mortgage assistance are very limited. They
will be disbursed by the Agency under the eligibility criteria established by the
Act.
IT IS EXTREMEL Y IMPORTANT THAT YOUR APPLICATION IS ACCURATE AND COMPLETE IN
EVERY RESPECT, The counseling agency will help you fjll out the application,
The Pennsylvania Housing Finance Agency has sixty (60) days to make a dl!cision
after it receives your application, During that additional time, no foreclosure
proc;eedi ngs will be pursued aga i ns t you if you have met the time requi rements set
forth above, You will be notified directly by that Agency of its decision on
your application.
If you choose to exercise your rights described in thjs notice. we cannot
foreclose upon you during that time, Also, if you receive financial assistance
from the Pennsyl vani a Hous i ng F1 nance Agency, your home cannot be foreclosed upon
while you are receiving that assIstance,
Very truly yours.
By:
By:
. '
The name, address and telephone number of our representative is:
Mr. Gregory 5, Cornwell. Executive Loan Officer
York Farm Credit. ACA
3301 W, Market St.
York. PA 17404
Telephone (717) 792-2641
The name and address of a designated consumer credit counseling agency is:
Urban League of Metropolitan Harrisburg
28 N. 2nd St.
Harrisburg. Pa. 17101
It is only necessar'y to schedule one face-to-face meeting. You should advise
this lender immediately of your intentlons.
If you have tried and are unable to resolve this problem at or after your
face-to-face meetin~. you have the right to apply for financial assistance from
the Homeowners' Emergency Mortgage Assistance Fund. In order to do this, you
must fi 11 out. sign and fi Ie ccmp 1 eted Homeowner' s Emergency Ass i stance
Application with the Pennsylvanla Housing Finance Agency. The consumer credit
counseling agency will assist you in filling out your appllcation. IT MUST 8E
FILED OR POSTMARKED. WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING.
You must either mail your application to the Pennsylvania Housing Finance
Agency. or you mlJst f11 e it at the offl c~ of one of the des i gnated consumer
credit counseling agencies listed above.
The Pennsylvania Housing Finance Agency is located at:
Street. P.O. Box 8029. Harrisburg, PA 17105. Telephone ~o.
1 (800) 342-2397 (toll free number).
An app 1 i cat i on for ass i stance may be obta i ned from th is lender. from a
consumer credit counsel i ng agency. or di rect ly from the Pennsyl vani a Housi ng
Fi nance Agency.
2101 North Front
(717) 780-3800 or
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY. IF YOU
DO NOT 00 SO. OR IF YOU 00 NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER, FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY.
Available funds for emergency mortgage assistance are very 11mited, They
will be disbursed by the Agency under the eligibility criteria established by the
Act.
IT IS EX TREMEL Y IMPORTANT THAT YOUR APPLICATION IS ACCURATE AND CONPLETE IN
EVERY RESPECT, The counseling agency will help you fill out the application.
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision
after it receives your application. During that additional time. no foreclosure
procp.edi ngs wi 11 be pursued aga i nst you if you have met the time requi rements set
forth above. You will be notified directly by that Agency of its decision on
your application.
If you choose to exercise your rights described in this notice. we cannot
foreclose upon you during that time. Also, if you receive financial assistance
from the Pennsyl vani a Hous i ng Fi nance Agency. your home cannot be foreclosed upon
while you are receiving that assistance.
Very truly yours,
By:
By:
Gre~ory S. Cornwe 11, Executive Loan
Offl cer .
.1
, '
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OPEN-END
MORTGAGE
THIS MORTGAGl:: S~CUllES FU'IlIRE ADVANCES
TIllS O~UN,llND MOnTCl^O~. nl"Je Ihi, 4 tll .1,) or JUlie
b~l"..n
, 1'1 92
KEVIN P. V~DIG AND NM~C~ E. K~~DI~
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lllnll ThJt "ulltln!!. h,:tl:lI\ l\hll,llIl.:.J .,h..l\ll.>; el/ll'\I UI.J \>,\ nr....el<.\luil> Ilbllt:,tl\ 111.: ~'I,'ll1::tt\'t iii 1'0011,(' )111111. .1l.J 011.1' 1111I r, h\ Ih.: \""npF-I'I
OIn~ Ihal Ihl! "II.: p\lrp\l\t: l,llhh IIllJtl~o.l~~ I, III 1'''''1.1..: ,\,lIo.ll':IJI 'o..:"'UIII~ Ill' pl.....CIlIl} \."1\110(-' IIlJ..l'Ic:Jlh.''' ,mlJ 1.11 111.111\ "lIiJ .1J\ ,\1\.",',
tnl MllrtQilIJce In"~ h~rl.:lllh:r ",01;":' \I) 111-:' ~11,1r1~.ll:\,)l, I\lUllbt' IJhlt~'I!"':'II, "' IJd. It,errl\l, ~'llll( :-.tl.'t1~..Jtll'l, hllll.'~C' ,In~ hJhllr: hi;'''' IIr ..,I'
,..nen 10 Ihe M~f1IQ;()I I~ 1II1I l.l,//L\3lneJ h";l..:ill. ~\l\ r.ll!lcl I~ ~CI r~'rlh III llic Ilrjtlol\') (I' 'H:I~f IIlJn \J"~'UI1\Cr,I' ..., 1l.l~lh'll1~ ~h\I\~,l~o:a1 '., In,
deb".ln,,,Iv ,he MOtli'!'"
~ecunlll Th.' he v.~tr.1l1n ~I,;nclully !lIe: prvrl:rt) I',~,~hy I.lln".>'l:J~ tI.III !ill is ~O:I'.I,t.J Ih~I(\1( in '1.0: '11111,1( :\11\1 hn ,\ r1i:11l111 t(JIh :~.
'a:rHlt, thM hL' llri~ l.1one no ih."\ ljj rlh:ulllb~{ Ih~ u"'~; Ih,1t lie will t\C..'IIIC )\1,,11 (ulth.:r ",..Ull\lI~C~ Ihcr"I.'f .l.~ 1ll3) l>f: I'rq\"iqlt. ~nd ltlJI I\e
YoIII UJC the f1w.:rt'.(,h ul thl.: 1,:1.1:11..', 't':Uh."i.J hetcl') ilvl~l: 1M lh, purp"~r\ '.C\ (I,~th In hI, :fplkU\tr,.nhl fN JJII'J l"'AIll~)
Th~rd: TIl"llthl.'lJ~U the Illlo: 10 lilt tlrr~~') r.'I".I\e> cJ ~'I\.lp~fl)" llt:' ,''''4lJltrJ lly "/I~ r,.~f~f"J'l, f1,lIln.:r~hlp 0' 1.1,111''' rntitH'I, 11Ih.:r Ihi'ln thr Morl.
I3IU" ll)' \tll\lnta~ lit 1I1\'..,I\l""lr~ fr,1II1 ~Ir 3!lir,n1'ltflll ()~ llll:n) (JlhtIIUUnllt:1 \\lIh..'nu lhl' ~,kll~~l~ie'\ ....'lll~ll ~\'",e:nl. I)' &h..:.u!~ Ihl' "01111.,
br t:UI."'HII'J..:r~\i b} (Ii.. MUl't,ag\.", hI' hein, p~r'lIt1~IItI'IC'CI\IJlh'o:\ und :I'')I~tlS \\llhoull~lt\ \hln~,\~t"l"l \\IIHt;ll ((111\1.'111, Ihen ~\lI)r' iolliJ
II,Jrb\(~nc:,' !.\ull lit tit.: r.'pth'll t,lf thc "'1t.'I'~Ml:c illlll',c:JI:ll/':l~ ~~:Olllt' ,1Ul ,wd (\1'.Jn~
t't1utlh.: Th.)\ Ill' \\it! pi!.) 1,'1 l,....b~ h) tJ(' p,.l1L1 ..'h.:n Jlle ,.lIIIlIJtt'\l'V"I'~) ~~\'..a~J Ii~rl:l.,~" 0111" ('ln~' t:\1":1Ic,1'.'1l\, tt;nr:uolh. ,.'I',ni'h:lne'"
tIl,'1JIiI-:Olllln, 1',1 r.....lll1ortl/.Il\'Pll~ lllcrt:'lf, In~~lbrr \,.111 ,\1: b\lCI('~llhc.I\~(,I', i!.11'~ i\1l jlhOr ~~Jlllt. In..l'.JJIlI~ t'\I~ I'l'l 1:II1\td 1(' ,1n;. 1't(I\o~n'rlll
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SCHEDULE "A"
ALL that cetain tarm situate in southampton Township,
Cumberland County, Pennsylvania, bounded and described as
followBI
BEGINNING at a stone in the road ll.ading from Leesburg to
the Turnpike; thence with said road and land now or formerly at
Carrie B. Railing, et al, North 42 degrees \lest, 40.5 perches to
a stake in the road; thence with said land, South 41 degrees
West, 107.3 perches to a stone; thence by land now or formerly at
Edward Highlands and C. Long, South 32 dogrees East, 107.7
perches to a post; thence by land now or formerly of lIarry
Bughman's lIeirs, North 42 degrees East, IGO.9 perches to a post;
thence by land now or formerly of carrie B. Railing, et al, North
51.25 degrees West, 61.9 perches to a stone; thence by the same,
South 43.5 degrees West, 34.05 perche3 to the place of BEGINNING.
BEING a portion of the real estate whi~h Larry lIoltry and
Veda J. Holtry by their deed dated December 18, 1909, and
recorded in the Office of the Recorder of Deeds in and for
Cumberland county, Pennsylvania in Deed Book "I", Volume 34, at
Page 848, conveyed to Kevin P. Kendig and Hancy E. Kendig, his
wife, Mortgagors herein.
SCHEDULE "c"
IT IS UNDERSTOOD AND AG?EED that a defuult under the terms
of either of this present mortgage or those of a mortgage of even
date herewith from the Mortgagors herein tu che Mortgagee herein
in the principal amount of $110,000.00 shall constitute a default
under the terms of both.
"Borrower further agrees that the loann secured ~y this
instrument will be in default shOUld any loan procee~s be used
Cor a purpose that will. contril.J\lte to e>:cesr.ive erosion of highly
erodible land or to the ccmversion cf wetlands to produce an
agrioultural commodity, DS further c~plained in 7 CFR Part 1940,
Subpart G, Exhibit "W'.
lJr 11M churl!e~, pu)uhk h) 11111' lu urnlldi.llll.... "Hh Ihe Il'l III" "fill", 1lllllIl!,ll'l' iUll! I Ill' IIl1ll'l~) M.'CUIl'11 hcrdl~, Ulld Urft.('~ 1<1 pll>' lilt f.i1ld
IIIJdJlcJI]l.:b~ \l.lIlitlUIUlI) \"'1.,,11 \\!l.IIl'\"'I'; utld IIwllie hl.'ll'b) l'~pll".,l) \\ill\l'~. hlllll' l'>.Il'lIl "...1 ("rllI III IIII.' 1I1l1l'lhl H....Ull.J 11l.',,'h> (lIlJ,
ill !illY cvenl, hJ thl.: Ct..ll.'lllll1 the plopt:Il)' tJl'''lrihl'd hl.'II.'III. IlIl' h~.tll.rll IIf illI nl'1l1pllun~, IUIIII...w:ud III' ulhL'r\q~e. IIlhlc, lilt' 11\\1.'. Ill' Ihl.
tlr UII\' IJlher MtM,
Flrilll Thill hI: herd,)' u~'I~m Itl the "'tlllgll~I.'''' u" IldJlIlI'rlal cllllulclaluIlIIIYlllIll'" Ilr tllllL'r IIIll/lkb 1!llL' tll hI hrullII... lllll.' 110m UII~' bill Inn:
Ut ~UbhUrrU'~e nuhlllr fill !IllY lI~htllf pl'l\ile~t. llllll.:llhulI hll .J~lllUIILlr,,1 pUll'lI....." ill 1111) wuy 1IIh~l'III1L! III "l.'llallnng IIllhc ptop...n)' IU.'Iehy
CUII\C)'cJ and 1l1111lUIlICb V.llI,h 11111) hel'tJIIIl,' dill,' in uny F.;lllldl'tlll1>llllllIl""F.;l'l',II/I1!~ illlt'l:lIl1~ IlIe ,"old I'lclllh...!> 1I11J ull !lUlm ft'("'I\I,'J IIIJ~
be ilrplled. Ifllhc: Ilplllll1 ut ttlC ~hltl~a~I.''''. hJ IlIc Ih"t:hoJIL.'1.' ul ,HI}' p'-'Il'lt ulllll IhL' IIIdl.'!llL'dIlCb~ se~'ut(J Iwlt'b)'. v.hcthcl ur tlLH lhr t.lIl1le
he dut' IfIlJ J1i1~lIblL', In Ullhl' "pllllll ul Ihe MllrtPIJ;l'e. ~IJl.h ~lIlm 11I11) he rl,,'ItIlIlt:J 11IIhe MlltlWU~Ur 1Il1d 1111: Munj;iJt;lIr v. III mJll1l1HlIiHl)'
~urrll(C nr bub~l/rful..'e 1Il!lll\ \\lIhIIUtlhc wrItIC/ll,,'UIJ,wlllor lhe Mutll!apt't!, WUhlll:l11l UII~' \~lJ)' Iimllilllllhr l!tIWrahl) or IlIl' Ii.II"'1!ljif1~, llit
ul:oU\C Illtl1110llcJ lI~hlb !Jud pnqlc~c/l \\oith tl.'~pCI;1 hI V. III.. h ~ilhI1L1Yillll"''' lit ulher 1l1'J111l.'!'I MC 1I~~lgnctl u!'! Illhllllilnull'lJllulCral I'Ihull induJc,
bUI /101 hI: IllIlHlJ 10, !>ur(lIlC lit ~uh~Ulflt..'''' 1II111Cli.l1 CilWIIIL'llIb ulld pIlJlhb. Ilrhl~ hI 1/'1,,' III Ill' ~llIll'L'.I""11 u~c '~I;IIII1, III1J Ut!'L'~'nh"nb re~trklillg
panic.:ulur land IJ~C\, il1dllJIII~ IIllllupnl'ultuflll lJ\CIi,
Shllll Thul. upnn tL'ljuc"ll)f Ihc MUrl~illll'l.'. Ill'; Mllrlg,lplr \qll j'lJtrn~h III IlIc M"I1PI!L'C UlHll!.dly, fur L'ildl PCIM'11 (1f Cll1l1Y tlhll~1I1ed
hI 'CPU)' Ihe IIHJdlll'JIlC'\ 'l.'~UI...J hCldl~. ....IlIH/111I/l...ly JJY\ >liter IIII.' 1'Ild 1,llhl' 'l./'tlllll1f Ilhll~llr'" li!\"'.d ~l'ilt. u bi.1IUIlCC "lwcI U~ ollhc
\:no u( !>u(;h n"l',ll )l'''', illlll II 1'lnlillluJ In,!' qilll'HI~'lIt hll Illl' Yl',U tltl'nl'llIlilq~, Itl 1',ldll'1I'l' IIIlnlm ilnd 'ulhliltl~'l' ,ll'("I'I,lllll' Inlht' Mllrl~Uf~''''
uld lenlnct.lll~ bell1l! I fill' ,llId tUlrl,,'CllIlld llllllUlllllll! 1111 IIHlll'l I,ll 1111" l'll' 1:~l'lll,lllllll' III lllllt','.I III I I Ih~' 11I111~ Illill illlhlUut III Ihl' ilhkt'll'JHl'~~
'':l'IHl'd he,ch) I' 11Il'.\ll'S" III )l<j(I.Il<~1 00,0' Illhl' \;tllJl' tlllhl.'I'~'1/l1ilIll'1I1 IIIIP'tl\l'l1lCIlI" Itl IIII.' lnlld \\1111.;11 ille u~~'J hlr 11ll' l'hh.lm'llnn
_lIldinf stu,u1!e ul Ul!II\.IJlhll.Jt pluJu..'h I' 1I1LlIt.' Ih,1I1 ~~r; Id 1''''lllLll \i1IIJl'1I1 111\' LIIILHl'lill'''.'~Ulml! ~u~h ItIJdlll.'JII!."~, ,udl f1n,lII..'lllllllhllmil'
111m ..lwll he bU pr1r.lt!uJ V.llhlrlJl rl'ljlll'~1 hy Ihl' Mtjll~ill-''''C II !>Ihh I'llIiIlKlilllllhlllll.IIl,111 Is IIUllutrw,lI~'J ii' nll1I\': t~'qIlHl'd. "IIU ~Udl f,,,lure
(111l1II1Ue\ ror 111111> dil>" ,Hll't \\nHl'tl IIHlllC h' Ihl.' ~ltlll~ll(!lIf Ilf ~1l,11 r;adull'. Midi 1,1111111.' !>halllllll\llhHl' 1111 l'\l'llIIJf Jcliluh h~tcllndcr
SC\l:lltlu Thill hc \\illlll'ltH' ;llId ~,l'q) 111'Url'd hlllhllll~\ .1111..1 IJlhl!r IIUPIU\,,'III(IIl"lld\\ \Ill ill v.llldlllla) hl'll';Jh~', be pl.I,'l'J till !ould J1rl'nH~L"
lI~lIIIlSIlll'>'> or JJI!l.'l:'l' n) nll'.II~hlUlIll!, ","pltJ\I'III. IIll1. ,lil'.'r"(l ,1I11J ...dudl' t1.ltHill!C, ~1II11"'C, \\IIHhhlnllllr h,li: ill nlllll'antC!> lltld 11l1lL'UIlIl>
~"tI~rLl'Il)r., lolhe MOI1~u~ec, \' hldl ,1I110lilll III 1I1\IH,llh.l' l,'lI\l'rilt'C \11110 III HIlY l'\L'nl. ,11 till' 1Il111l1111l11\, cquall'llhn lilt h;II.IfIl'l:~ ur Ihe Ill'
lkbtl'dlll:"~ !ll'lufeJ h~'rl'h~, Iltl' ,Jllual..,I,h ",lllll' 'llllle IHllpl!ll~ 1I1'1l1"'ll 01 III,,' rqll.l~"'llI"'"llll~lllf IIII' IHlII";rl) IIl'UI~'J. \l.11I..lIl'\I:r b Ic~\
" Ihco fJt.'fh.'tl} I" III II p"\Crtlllll'llt III,mJ.lll',j Illllkl ,lIl'iJ \'.11"'11.' 11;Hll~lp,'lhlllllllll~' h'dcIBII:lllllJ Pttll!f,lIlll;.. Il'qlllll'll. ~lllrl!!tl~I'r III11'llII\tJtn
rcdl'rlll F'lUI\fJ IIl~ur,HI..e !\Il~ p"II~'~ ('\hkll"'ll1~ ~Ulh 1l1'\Hilll'~1: ~hull he llL'Jhl~lIl'd \\1111 ,nl'l !tlbl> IlIl'll:ulhlcl' 11I1'~' Fil~iJhh: ltlllte Mt'l1pl~tC
lI' II~ illl','reH llI,t> iJ;'I'Cill 1[\ IIIL' l'\etll Ilf h,~~ ~luttWil~tlr \,\111 pl\l' 11I1IIll"~lilll' lilllll..'C hy 1ll>lllllllhc ~Iort~a:;'.'e. \\bll /llUY II"''''' prm,r 01
k')~ If not IllJJl' prl'IIlFlI~ h:. .\I'JlII!tlvnr, ,lIld ....11.1I 1Il',ur.IlIl,:l' ~'Jll1p,lll) ltll\.t:rll~',1 h h'''ldl~ ,IlUhUrlll'J uI:d dll~'l,\l'J ltl mil"'l! P;l)I1lCfll rllr
)uch lus~ to lhl' urJt.:1 uf d\1. .'l\)rtj;'a~...e w,l). Ill~l....aJ or III III'" ~lcngu~lllr iLlld lhe MOllpll~"'C jL1lntly. Jilt! 11ll' lll:.urllnn' I'hlo.:l'eJ!l. or :Ill)'
I'un Ih:red. 11),1> h- Jl'ph'u 1--:, lhe hhll'r.ll~l'e iii Ill'.' II:, Itlril(l1l11 or Il'P"1t III Ih~' d.l/lhlgul F/llJleny Ilr ~H tht' (lplhln of lht:' Mortgll~t:'1,' nlJY
t'l' ilpplluJ III lh~' rcd::\:lItlJ1 \'t I Ill' II1'J.:bll'~ll1l'\~ \"'~Ull'l.! hl'll.'b~ I( Mllnllill:l'l' F.;k~'I' III .JI'pl) ~Ih:h prtl~'l'~'l.h IU !>lIlu IIhiL:rtl'Jnl'~!l, ~hln~"w~e
~hJII ha\ e ~l)!~ JI\"h'lll In a \ It, Ill..: lll"lll\cr III \\ hl.:11 Ill\,' ill'ph.',.lllltl II( ~udl pIII....:!;l!! I!> dl~Hlhl 'll'J lI111l11l[!. prilK lpal. IIHt.'r:.'\L cl\arl!I.'l,. rl'IlJhleS,
cxPt:'Il\':!l unJ .1l~1!l. ell, "\1I';11'1'11l~ the 111,kl1ll!dIlC~~ ~l'(UI~'J hCI.b) III lilt.' C\l.'nt Ill' hH...dtl~url.' "I( Ihl!> 1I1~\rlval!'.' ur Illc trJf1!1(l!r tJr wit: to
Ih~ 11IIHll:'I~~e~ pro!,':lt) III C\t'nl!uI~hl\l"""II)llhl: IlldcIHl'Jfl'':~~ ~':l,:lJrl\J h...tch~, Jll n~!lll. Ink unu IIlICll'b\ (If till' ~Ionl:'a~~lr 11\ anJ lu Ull) In,
!luranr;c roll.Il') 111'':11 III hlfl'C :.hull pa\~ hJ Ihl' p!Jrcha,cr I"lr [.'rlllllCC,
Ell!hlh: Tha; hl' \qill':l~ ',III.:n JUl' alll;I\!.'!'I, 111.'1n. J\tdrll1l;'Il~~ ur il\'l'!I:,IlI':nb h,'ll'hlfllll' tlr lI~'I",I"Il'r ll"'~",!, ;I,,:~,,"d Llt ,.'I'n~ltlutll;l: h:lI~
Upl11i lilt.: 'Hl\r!tl~ Il~ It:h~ 1'11l\('~t:d, ,LId 111 the ..'\'I,,'tll ~.I\ll1rl:;llt r,llb III r'il~ IIII' !>,ItlIC \\hl'lI dUl' III Ltil~ II' III;tlll'..lln 1:;'IHall~'t:' ill, lt~'rr,'ln
ptu~I'lcJ.lhl. t,I'.lr\put,l'l.: nlif) 111i1~l.: !lUdllliJYUIl'llllIll'hl\ IfJl' Midi UhUIlIlI,l' i1l1J iIlIlUUIIl~ fl,ud Ihell'llll ~h.ill b,','I'l1l':;J 1\1" llrlh~ ilhk~leJI:e5t.
s:~:urcd hereh~ ,mJ 11~,Jr Il'll're',1 tit Ihe hllllll:: tall' Ihl'l~ III dfl'd 111111I I Ill' dnl~' U( pil)lIlcnl
"int": n'.ill llql\\I'.h\lilllJlIl~ 11Il)' ur Illl' 1I1I1\'1"ll111" of Ihl' 1I11J1II!iJl!l' fOI 1';I~III':tll Ilf tll\UfOll1l'C PII,'llIiullI!o. l:,,~'~. athl a~!ol.'~~l1\l'lm, Ihe
~\I(jI1t'a~':c I1);J:, ~lt ll~ lli"llItll\\' III I! Ih\' '.,'lll\' hl hI! p,IIJ Itllll!.' Murq!'lI!\.'l- III 11I'.I,dllll..'llIlI, Tllolllll'lIl1l'\,,'rl.'t'~. oil ",II..! \1111l_11~ b~ \HHI~'III\1111"'~'
frl.;llll!lc -~L;i~"Tl'C h~ IlldlIW~ Il\ud. ,llltl III ..ddlllllll hI 1JI',lalltlIL'11I p,I~llll':II' lllllltl.' llldl'lll..'dll,'~\ 'l'l'IU~'J h':h'h~. :\hlll,~;l~\lr '11.1111',1,\ hi
lilt: ."'llltltl,I~'~C ul1lil '.:JILl Imld 11'dl1...~' I' hlll,\ ,.lItl, III',I,illllll'lIl' '1II.I\l'.\ .Itld ~p".I,d ,1'i~l.'~'"ll'IlI" k\'ll'd III I" ll~' k.. lcd .1~.llll.'llhl' I'r~'II1"'l'\
l..'IJ\'CfcJ 1I> Ill:, 11l'111}-'.lpC, oIllllll1..:.Jlhlll.'lll'1 III l!Il' P''''1l111J1tl l'I 111\.'llllutll~ tllal \\llt hI.'UlIIIL' dill' ,,"J p.l~ illlk Itl 1..'11'.'\\ ,.\1,..11 11l'llnlll'''t' nn the
prcll;l~c!> l"'\...rr.;d 11...,...11) i1~illtlll lu'" II) fill' III LIlliI'I ItB},lIlh, ,,',l'lllilllll'" ,IIlJ 1.IIalllll'~'II~'I'.'~, ,\'1 II\;I~ h..' fl';l~t't'..I'~I~ r"'~lulI\.'J h~ Ih..' ~h\nl!a~~'~'
III .urlllUIlI~. 1<1' rr.:.rl"d..., 1111.1 III ,llIIIIII'.III~ Ilf I' 111Ilhllll,'" ~;It I'.t ,1\1\11) IIJ IIII.' 1\ltll 1~.lr~'1.' TlIl'~l' Ill~lillllll"'lll~ ~11,ltl t,-.' l'_lll.lllll \'..IIIII;lll'd 1'll'lIllUlII
llr P''''llIllillh hlr 'lldl llI'.ur,IIIU':. 'u~..'" ,11lL! .1~'e"'1II1ClIh 111.'''1 \ltJl' I,I~ \.''1III11>lll',1 \l~ Ill.., ~"llq!jll:l''''II~',,~ 1I\,l.lllllll.'t1I~ .11Il',I.I,\ paid (h~'ldLlr.
lll\'IJCJ hy 111'': 1I11111hl" Ill' 111)lolllllll':li! plt~llIl'lll\ 1\llldlll'l tll1llu.lI. '-~llll.lllllll.tl, I/Il;llh'll~ ur l1lulllhl) llhat ;1ft' hJ h,'~p:n~' dul' Illllhl.' Inddllt'tirl"'u
~el.'urcd hl'rd'~ IId',)I..' IlllC 11I1U1lh pI ILlI hI \I,,' d'ile \\lll'lI "lId\ l'fl.'lllIl,llI IIr jltllllllltl1' .1II.! t;t:.l'~ UI1U ,I:>,'l'\!>ll:l'llI~ \\ IIi h:~' ,II Ill' ~kllll~uenl. The
Mlll1gilgec ~b;lll huld "Udllll\t,llll1:l'III~ III Itll'IILI ptlY tilt' l"l'lllIl/lllll! pll'IIlIUllb 'IIIJ I.I\e~ Iud lI~~l',,!>lIll'lll.\ h'.'lut..'lh~' ~,1I1ll' h..~.(lll\~. llcllflqucnl
Tcnth: Thill hc will \"Cl'[' ,lllllllplll\'r:llll'l\l~ 1lt1\\ ilf 111.'lt:allcf lL'l'al~'J 1111 IlIl' p'~'I1lI~O III 1,l",)J rl'p,lIr: Ih,lt ht. '\III Ill>lHll,1l1l '.JI\J \\l)f~ the
,'reIlH,\eb hl'H'I'~ l'lll1\e~l'J Illll ~'lllll illld hU.ltiUldllJ..I.' III.Hlller, thaI 11\' \~IIll"11l1111tl /1U Willl' illld IhlllllC' \\11111'11 ..'Ul "r rl.ntllVe or penHII
10 be CUI ur rl'llluvcd .HI) ,",poJ Ilt IIm!'cr 111111l ,ultll'rCldl"C~ l',.l'Pllur tklll~'!'Ilt.. Il~l' \l.IlItLlIlllhl' \\nll~n l'tlll''''ll! llf Ihe Ml.,rt!!i1l~Ct:' Jnd Ihe
Mon~ll~l.t !l1I.',1l hinc Ihe II~ln b) IIIJUIII.IIIIII ot ulhl.'rwl!>l' It; prl'\1.'1l1 IIII.' (tlllll1g or 11.'1I111\-,11 or i11l) \\l1ltJ ur Iltnl'.:r from tiulJ prcnmc6
l"t~pl'cti\'c u( "hctllcr llr IlLlllhc 11ll1il1l1.'C Ill' Illl' ~l'L'lIIII:, I!'I ;llIll'k Itl l">lltd tin' Iltlllll!;t;'l'':
Elc\lctlllu Thr.1 hI.' hcrchy Il'/I'l;~l.'nh lJ/ld \\i1nJIII~ III MllrtF,II'''''~' 111,1\ Illl.'lL' illt Illllll.lll'llilb llit.'lL'il1,lhcr l'Illh:.'II\ l'ly l,;ilkd "~Il(l'lill Matl'n:lb")
r're~cnll)'I()':JI~'d un 0' lIear llll' P'l.:llllWb V. htdl. lJlhkr kdcroJl. \liltC, II' h",,:allaw. "1,lIule, mJllwnl...., Iq:ulJlhlll or !'tolfJdJnl. or Ollllllnl~lfatl\'e
(I' coun order or dCdl.'C 1.lr I'mute i1l:ll'l'lIll'lll (l1....fcllIaflcr u'lkdl\d)' l'lIlkd "1:11\ 1I1J1111l'~nl,11 Hl'ljUltcIlH!llI!>"), rl'ljlllfC ~pl'F.;I:l1 hilnJllIl~ III
u~e, l!l'fWtltlHIO. !:Ulll'(llLln. ~,llJriIUl', \r"',lltlll'nl. Ilr dl~ptJ~al. l)f 1';I~Il:l'lll of "'11'l1~ ;1~'lIll;lIcd \"1111 rl'~pllIlJIIl~ \lIlhe 1,1\~llllllln"Il\C" l'( un~
nJurtur u~l:nq ur ...\lfIlpctelll JUII\lll~IIPllllr tor hllllilar ":;'tllt/IIIlO: ILl\~ Sudl :-'pr.'lill Mill\'rI.lb lndudc Ihll"e Ihal \ Itll:llC all~ 1l;11;(lnalllr Illl'al
l'UlIlll1gCIlt.') pbn III Ihl.' ,d..:.I\l' 01 Ihll'.IICll,_'d rdl',,"e Ilf \', 11Idllllay \'IIII:lIl' or (l~"1I1.' 1l,lhllll~ WIder 1111' 1.11\ 1IIIIIll\~'I\l.d 'h'lllllrl.'t1lel1t~, ~uch
~S'etiill Malctl'lh :d"l> ill'~tlldr 1.1) ,,',11\"111'.111 ,Ill} hlllll, Ill) 111\',1 hlllllolhldt\dl' 111_1111 111',III.IIHrll. l~ 1 p.lIlllllll1t.IIIIII'I' I".ltl. lit ILl) 1f:Itl\fllrlll~'I~
llr nthl.:f CqUlpll1CllI "1t1~ h lllll(.)11I lli...!1 ',lIll thlld "1l1l1.1I1l1ll~ p'll~ddllllll.lll',j hll'llt'll) h h tllllllllllll}' ld~.lt~'d III ,I' "I'l'l" "I MIIIII:al!IlJ IUllhl'r
rcr'r...~t:III!'1 wllt.l v.~Hfalll" It) /IlIH1V.II!1't.' Ihat Iltl.' I'rl'lIll~l'!o> >lrl.' llll! !III\\' hl.'lIll~ U~l'J 11111 hUH IIlL') ..'\l'r I'~'~'ll IIwd III lilt' 1':1'1 fill Ihl' ll~'Il\illl'l\
Itl'.ludlllr Ihe 't"C.I'Clll"illllln. ~'lllt.:lllllll. \hlt;lI'I:, IU'.II!tll'lIt..., d"llIl"i11111 all)' SPl'l'l.lt M,lll'II.II.., III hI III p.lllll'lll:lr, \\111\lllllllIllHlll).!.lhl' J!t'I\l'lalllY
Ilf lh~ hlll.'1!llIlIg, thl' I"CIIII~C~ lire 111111l1l\.l! h(lIl/! 1I~~'d 111\1 h,l\l' fill'} l'\U \l\.'l'll u,\~'d III the ".1\1111' U 1,llIdllll. MIII.IH' IllllltHIIlJlI1l'lllllt Pth~r
utCIt ('If tht' lll.'alllll;nl, Mn'II~t.' IIr JI"IHI~.11 ,,' 1,1l1ltJ \\'.1'11: II11dLHJllIl! \UlhJ \\lI'.lL' ...tllI, u~ ~lud~t.'1 f\IUf1~'IVllr \\111 Utll plHn: ur I\l.'rnlll It)
hr pllKl'J un~ ~lJdl ~llI:\llll MUll..'Ihlh 1)11111 Ih'ur Illl' plL'IIII"I.'h f'\lIllulIg IIl:n'llI ',!I,llll"_' dn'IIIl'd III ph11l1bll tll 1l'\IIKIIIII.' U"'I.', l.:iI!lL'dlulI, H111"Vr.
tr\ullllCIH ll, LhqKI\UJ III 1I111UIlllcr \.11I1\1\ll'llI ....llh .Jpplllultlc ):ll\l'IIHIIIL'lllllll'l'qllllcllll'III'I, III IlIhL'flll h.Ic'l , hl'lhh:ldt'h, ut ulher 1ll.'Ul\'hh:~, fcr.
til11Cr\ ur 1ll.:1I"ICllfll 11I1",JIILI\ IUllluJlI1l' /IU\llllm', IIlllhll Iud, ll.lllk,I~C 1111, 11~"IIHtl' 1111111' 11.l/11111h~' UllrIL'lIhUllllllp~l.lIlI11l~ 1I11\\' Ilr hL'I~'aH~'r
Lorh.hJdCd h) IIlL' Ml)"lIu~lI' lllllhc P'Cnll"C" 11111 I.'llllilund Illt.ll,1l1dli~L' 1II;1ll1ll'l MlIlllli1I'lIr ltHth~'I' ICI"I:"L'III" !llld \\1111,11111\ hi MUI1~tl~rr Ihm
ll".',e: urc lIu Yldh or IlL'pIlL' IlJll~~ ollllller UlldL"VllItlllllllllIl" l\\hl'lh~', dlll.'llll) III tN' III Ilh,ltldlllIC\I'III'I'I".l',J IIl1lhl.' PI\'III~"e~ h'r\'ll1g 1\11\ lllher
prover1)' lUlU Ih,,' 111I..'re: urc IIIl "cll~ lit "L'flll~ lilJl~l'I tl11lllhcI plllp~'tl) ~L'I\III~' Illc PIL'1I11"t'!t I( "IUIIY 11I11L' It III dCh'rllllllcJ Ihttllhc:re: nIl: SI'II.'dal
Mlllc:nul!lIIKlllL'J 11/1 Ihe: I"CIllIH'b \..Illdl wldel ,W) hl\\l1I11I1Il.t1I"llh'QllIlL'llll'1I1 Il'qlJlH' "111.''''1.11 hllllJIIII~ In U"I.'. I!L"IL'luthlll, C:llllL'l.:lllln. t>lil','~L',
IIt.'UI/llt.'IIt. or Jl~pll!lul, Mltnw'-'vtlr "Ihdl. \\11111,1 tllllt) I.\()} d,l)~ ,Jllcl hU"'IIll! llbllllrlrJ udllJI 1.lllll,I.leJL!c 111l:rclII. lu~~ tlr CIIU~C hI he: lahl.'II, III
Munwugur"t. !oulc I.'\I)l:II'1l', MILII iKIIIJlI" iI" IJhI~ hI. IIL'LL'h"llI) hI ~llll1pl> \l.llh ulll'nvlIIIIlIIlL'III'11 HrllUlICIIIL'nl'l, II MUl1fllV11r !<hall rulllll tllhc
'". dl 1Il:llul1. ,..ltltlgil~ce ilia) l11al.e ud\,lIIl'l.'!\. III IW)'IIll:III!\. tl)\\'lIll\'l PI.'lhtflllJrll.'L' or 'I:lII,I,,,,UIIII IIr IJle II,UIIC hUI ~lHlll h~' under 110 ',lhn~UIlLlII ~n
III do: lint! all 'IUIlI'I MI uLl','iJlIL'L'J Ilr piJ1J. IfI~hjl.II11; 1111 !'>.UIII'I Ut!\iflh,l'J III (lilld HI (1I11n~'l:'lIt\n \\Ith IHl~ JlJJIL'lalll' 11\.!llIllll'llran\t' In\'I.'MI~IIIU1n
UI pr'I\"L.t..'dll1~ IL'IJIIIIlf IhCICltI, lIidudlllU, \\lIhlHJl ItlllIlallLlII tlllhL' l'\lcllt pL'lIlllllL'd h)' 'Jpplll:uhlt luIJ.. IC>!'Iunab:c IInllrlll'Y'~ "L'e~, Ollt6, or nt.hl'r
!'l.'IHllty IlIl)lIll,,'l\h. 'Ihull h~' ull1l1LL' Icpil~'lIhlc h~' "'\tlllfll~111 ,Jlld "II '1tllll~ '-II lHhurllL'd ur p,llJ ~haJ! bl'(Ol1lt' II pilll uf lht iflJl.'htt'dllt'~b ~e(lned
ICI.:b), Fuilulc III fl.lnr1II"l!Lt' III LIllllpl~ "-llh ull hl\lIl!lll1I~'f1ll1llh'qllIlL'I1lI.'l\h ..b,111 .\III'IlllllIL' 1lI1,1 he 'I tklu\J1t UlldL'f 11m 1l11lngu~l.', "'hllt~;l~tlr
ht'rL'h)' ugrt'c' In mdl.'llJlllly 1I1ld "!lId M'l/l~al"'I,' h,"llllc~" tllllK t'\I,'1I1 fll.'llilllll,'Ll h~ .Ippll'.'uhll' 111\\ Inr all hl...., 1I,lhilll~. Jilll\l1f~. "-,lM lllld t'\.
11ellw" 1I1d11l1Hll! 'l,'U~IIIl,lhlc .llltlllll:}" k......, hit 1.lllulc Llllhl,' 1"L'IIII",'" III .....'11I111\ III ,tlll~'~I)o,,'\,'I' \\1111 IIIL' l;.'I\III'llllh.'I1l,d H,l'lplir"l1lL'lll~ L'r II
lfl.;udl h) t'.blrl~'Jll11' III ,illY It'l'h'~C/lt,lllllll, \\Hn.I1H~ 11/ ,lgll.'\.'llll.'lll 11,'ll'UI 1I1'. ('()VEt'Af'\TS. AC.f':'EFMFf'\TS, IU.I'HFSLf'\T^TION:-i"
WAlOIA~'III'.S ANIl Itilll'MNlTlLS "' WJll'I(j,\O' II' ('lll"L\INI,IlI" TillS 1',\HMiIlAI'H SIIAU. Sl'l(\'1 \'[', TilE OCCl'IlIlF"CE
OF ANY EVIXI WIIA'ISIIEVIJl. INl'UlllI~l(j Hll'I ""111'1111.1) '/II, 'IIIII'A\'<II'I' III Till NOT"'S) SH'l'IH'IlIlUU'lI\', Till',
HELEASE OIlI'UHl'.CLOSl;IlI, OF TillS ~IIIll'I(jAla.., OH 'IIII'. A('('l'I'IANCE II\' TilE MOll'lOAOEl' OF A IlEEIJ IN LIl,U OF
FOHEClOSl'IlF
T\u:lflh: Th,,1 he will I ll'If 11 it Ihl' ,\llIll~',ri't'L' \1l1l1111!l1 II.. iHllllLftl/l.d ,11'\'111" IlIl'lItl" 111'klll thc 1I11111l.'.I!!L.J pr"I'cfl) .11 11Il~ t"'ll~o"ahle \lIllL' rur
lhe pIJlVO\t: ullll'fx'l.'lInV 11lL' 11Il:1I11~L'" .IIIIJ IIll' 11111.'1, L"flllitlltll ilflllll.'P,lII IIllIIL' lllllhhl\l.'''' 1Il111l1l\L'11I\'llh iltl.llllllL'1 n,lIilll'lal hX">lh.J 1111 till'
prl'lIIhl.'\ WI.UIL'J hcr....h)
Thlrll't'lIlln Th,1I .1 ,II ~1I1) 111111.' IhL' f\!lIlll!.q:l:.' ~h.ltlll1"\l1 LII~I' I'l 11I,d,~' .llh;lII.\,'~ hIt ltl~' 1I1alllll:rWl..' ,'1 l"lll,'dlllll 111111,' nhlfl~,I~L'd p'L'lIlhl'~
IIf Ihl' 11\"11 L1llhe llllHlj!,I:!c. Ilr 11\~tll 0.1'1.'11"1.'''. Illdlldlll~ hlll 1I11llllllllulld ,111.11111.'.\', kL'" h~' Il';I~nllll! ddilldl ll,'h'lllllkr h) lilt' ~hll1p~I'r,
IIr ~hall, IIllh,'lW",' III ,lllltl"lIIJdlllll hl,tll. 111.11,.... ,ld\,IIII.'L'" In "t1.1bk ~lllllflktt"lIl.t lit,' 111I11Ill\ a:III.'IlI" ILlI \', hldl 11lL' L'lllI~IlLl\"IIl,n Ill,HI "ii' I'flfill,ll.
l~ IIltldc. ,mh ~tl"'I alII.! ;IiJ\,lII...... ..h.,11 hl.'~'IIIII... PMt.l! tIle Ilh.khlnln~"~ ""~lIrn'II~'I....h)' anJ ~1"1:1 11,' 1',t~oIbk IlIl,I'-lllanJ \\1111 11lIrl~'I1 illlh(
tdlllnl! r.lle Ihell III dh:(l ljlll\llh... d,II.' L'I p,I~I1l,'l1l.
rIlUrh~l:lIllu TIl'.n. l'pllrl ddJllh, III lIddlll~"1 hI i\ll> 1\III'~r r~'IIlt:dl':" pru'''~:L'l1 b~ la\\, Ih~ Mnrtt:u~,,''''' ~h,J11 llah' IlIl' n~1I1 hllal.l' l)jl~'IC'!>!>ltln
ot' tIlt; plllp~n} .t~ IHJlhl:rI/~'J hy IJIJ. ,'IlJ hI I1P":I';II... JIl.J lIl.J1l,I~,' pr k,l"l' Illl' ",11m' ilP.J llw MOr1J.:.!fct..' III;I~ 1Ili.i~~ '"1~ r~a!>llnable UI1J rrl'~r
:ld\ 'tll\"C!l for Ihe ~lrerall(ll1. 11I11II1l':n,IIll.'L' elld rnanilfCllll'lll 01 Illl' I'rL'lI1l"o.:~ ,II1d jll~:, 'Il/Il\~ htl a{j\lllll'L.'J ~lIitll bl'l'l\lH~ r,m or Ihl' Illth:l1leJl1e~~
~~~'IIrL'd hCIl,:h~ illlU h~ payahle 11ll1l1;J liJlt: I:, '.~ qh III1Cfl,,'M itl Ih.: bllllll!; rillL' Ihell III elfcl'l frlml Ihe J;J1< of pa:,llll'nt.
nnel.'l1th: ThJ~ UI'l'11 .U~I\.;II 1I1111L' rjt~/IlL't1: ur the \\lIl1te itldL'l'I~'dl1e~, !>t:L'llICJ ht'reb~. t1r UII~ PM\ IlH:rL'~lf, a, Ihe ~al11t' ~hJ.lI hel.'om: Jw.'
anJ p;J~'abl.... 01 IllllI~ \.'\(111 "f OJ hrr;,.'h o( allY 1\1' thl.' h:mlS, ,,'n\I'I\.ltIb anJ 1.'lllldlllUlb ~lllhh llllln~.t~l.' or 111r 1l'.IlI.'I!'i1 ~~'.:urcJ hl'rd'~', tlr in
Ih~ e\l.'n! th~' f\"1l1t',lf,lr Ilr Jll~ "llhem ..I.JII dll', h':I.'lIIl1C ill~llher1L, rile uny p\.'lHtl.11l ul1,kr (jle (eJcrulll,mkl1Jpl:y (lX!c, Il1JhC an a~~I~I\Olt.'nl
ror Ihe hClltfll [,r crdllors, ll' lik II pl..'UUlll1 filr illl IlrrUnpClllt'nt \qth l'rL'lhl\lr~, lll~ cnllre IlIdl'hlo:'\ln~~~ !>ecur..'J by llll~ tIIl'n~allL' ~hilll, :It the
opllon uf the ~'ortgi1g"'c, !iI,,',lllllC 1II11'IL'Jlilld~' due unJ Pil;'uhle "1111 11ll~'IL'~1 thcrL'111l u: I~It' bdllll~ ral~' II1....n It1 cffL'l.'t anJ, If1 JLhllll(l!l It1 :Ill)
rt.'IJH:Jy rrll',tJI,,'J b~ :,,\~, Ill', ~,\I'11f;JI!~'~ Ill;]:. 11l~1111J1..: .Jl1 il(,llLlfllu fllrL'dlN' llll" m(IIl~JfL' 1\11111\\ Ilh Ol;1d pro!-'.\'UIL' IhL' ~url1l.' II) ,llJrJ!;l1l(nl. l.'\l','\I.
Olin lllld \,1lL' ft'r Iht' l'lllkllllHl of tht' ".!lIflt; ,llltllUIII L1111Il' llldd'IL'.JI1I.:", anJ 1II!.'le.\( n'Ill11111l1',l}. UIlI'.U,1, lll..llldlll~ ~UIl1' 'hhlllhl'd b~ Ih~ MIlnp~L'e
rtlr lIn~ 01111': r\lllllhC" !l.'r,';IIhdllr,' '~'I lllrlh. hl~"'lhcr v 1111 (u..I~ uf ..u.:!I prul'L'l'dllll:" ,(IIJ rl,',I~1111Jrk ilttllrnl'~'~ kL'~ II' p.:ml1l1L'J b~ ill'pll\,.,lblL'
..Iall: 11I\\, All cr"lr~ 1I1111L' ~,lId I'rll.........d1t1V', IIII:'L'lh\T \\ Ilh illl ..tll\ iff tit ....\,L.'lllpllllll lUll'.! ..'\L'dJltllll ,lllJ al1l'\l"'u,,,'n"lIf \ltlt.' r,1f p;l~IIKtlI \\hi,'h
may h~ ~I\I;II r~ UII~ u..:l dr ,l~'h nl '1"'':lllhl~ 1111\\ 1fi 1111,', IIr \\llIdl mu.\ h\,.r....,L1It.'t h,' l'''J~.t...J" ur~' held'.,' r.1I1~\l.'r w,I"t:~1 allJ rdl.'J!>....J,
Si\tcl.'lIth: TII.11 \\llhllut an\,','llll!..' 11l...II,II~I~II~ III the :'I.111"~'I~llr Ilf atl~ IIIlll.'r p,'lr,lflIC'L'L'Pt 1111) l'.r"'1l \,'\I'r.......,l.\ r....k,J,,:J ill wrllill~lltlr r;IY.
ment IIr all~ ft1J'J1IL'-L!J:e..~ 'l'\,'url:J ll....rdl~ qr hlr pnhmll,IIl"\' III i11l~ nlll1;mu"n l.lllllallll'd h~'I'l.'U1 allJ \\ lllldUt alrL','IlI\~ the r1~hll' ollhl.' MI,'n~;lpl'~
WIth rL"'p\:L.l t'l UII) '.l',urll~ III II ....:\pL'....l~ r.:-k,I"l'd III \'1111111:, .1I1J wllhl~UI alln'ltlll! III,' jllILl'Il~ ,II tll~' 1,,:1\ Llllh~ III1,nl:,Il.'l'. Ihl,' Mtlnl~;lg~'L'
nl~l), 1I1 ,ill) 11Im' ,!I,d ItllllllllllL' III lllllL', ,'IIIIl:r It..ltll,' IH ,Itl." Ih.' IllalU/IIY 111 ";lId 1l1..ld.I\.dll.....'~, ,111..1 \\HII,.UI 1\III'~'1' llll,r IhL' L',II1\':11I lIt' :11I\
pliny lIeft:1L1 nf 'lny nlhn (lilllY 1,1t l'l'k"'L' IItl: l'er'lIlJl hdllt.- II1r P.'~IIlCIll III .111 lit ,Ill~ P;jl~ II! Ihl,' ill\khtt'Jn\,',,!> Ilr 1.lr p\,'rllll'lIlallL"L' \lr :m~ I'!lh~:;.
1IIlIL fh) rIlU~1' ,Ill)" ;ll!rcl.'lICllll\";1I11111l1l1l11~. nt~lIdllll' Ill\,' IIIlll' "f I1t1l1.'''\I'I.' all~'rllll! IIii' \L"llh ,,, 1',1.\1111.'1111'" ;11111f 1111) 1',11\ 1111111,' lIIJ..I'I...Jl\L....i,
01 /IIt1dil~lllr II' W;II\'lIll! .lll~ u1dlt:,lllIlrI1l1 \llh,ltdlllillllll1, IlI,dlt~lI\~~ .11' 1I1h~'"~,,,..' lkllllll:.! \~llh III.... 11\,'11 Ilr ..11,H~,' II.n'llf. (.'I L'\L'r.'bL' Ilr h'lr,1I1l
Iflllll e\Cr"I~1I1J..' ," \'..'I\'e oIlIY fI~hl "'\fI1I',1~'I.'~' Ill.l~ h,I\'L.', ldl,t'~"1'1 ,lLtdlllllll,tt '~'\'IIII1Y III ;111.' ~llld. '~'II.'h';I'.' 11111111."\\"'1' ,k;ll \\llh ilU~'I'IL\I'~'r.
IY, rClIl 01 per'lIlIl,t1. !>l:t;urillg Indebl~'JIlC"~. IIldlldltl~' 1111 ur i1t1y p,m III thr plLll'~'rI~ 1,1lw~'.\,',1 h.'I\'I'., \\HIII'~lt "tk"llll~ lh~' ll~'ll prlllnl) IJlltm
1I1\J.n~aI:!C un Ihe ,,,'nHlIlllkr uf lhl' prtlp;,'l1y. lor tlic lu1l1Hl11I\Jl11 III illl~ IIlddllL'dm:.... UIlI',Il\!,
SC\'~lIh'l.'ltllu 1111" "'tljl\::,I~l' I" !>UhlCd III lIt\.' l'il/llI ("L'dll ^~'lllf ILI?I. WI ,11ll\.'lllk'J, W' ",dlu\ Illl' 1'L'rlll".\ 1\ >111I11 ()p....Il.EnJ ~hln~a~e ^'I,
,\CI f\;11. 1~6 uf \111)0, 11\ ~all1L' lIlil\ h\.' illlll.'lIlktllrlllll IIIIlL' \t, IIIIlC.
PHO\,IDf;O, HO\\'I:\"I:K, 111:11 if ~1tulfaVlll ~1:al1 \\\"11 ,uld lrlll) IMY Ilr ....Itl..': 11111\.' p~lfJ ulllndL'hlL.'dlH.',~l'- ..I,.....ur::d hl'I,,'by anJ ;111 inlL'r~'1
Iht.'r~.tll1 nlld all i11hL.'r MJlII\ payabk h~ ~loni!"Fllr. IIl,HI.'IHduIll"L' \\1111 IlIt'lcrlll" Ilf IllJ~ 1I1un~a~~ alll.! IhL' Ill11....1~1 ~CL"llr,'J hl.'t....b~" at the IIll1e~
untlll1lhl' lIlan/l~.t:1:; hl:h:11I ~L'I tIll\. :md ..h,dl uIIl,'I\\I"~' p.:rfl1flll 'Illlhl' 1,'nll~, \"11\'eI1lUlt\ 111111 l'l'IIJIIIIIII' 1I111l1'll1lonl:';JIIC !JnJ un)' lllhl.'r ohl1~a.
11111I(1\) ~l'L'UrC" lll'rl'h~, Ih~IlIIl1!" I\llltll.',J~l' ~hall hL' \IIlIL ulhL'ml~e, II I" 10 rl,'lIHHIl III full (I)fn' :flld L'fk,t.
IN WITNESS WIIERL:OF Ill\.' Mill\~a~',llr, illll'nJlIlV hi h\.' lcr,lIl) hllllllll, ha~ helCUlIltJ w;1 tm h~JJ1d llllJ 'Cill UIC Uil)' alld )car a(lIrc\aid,
WI /'lESS: / ., >/
~~ \~, ,_t (:-:::-'--. /( I:;'(,.i t'j :1 '.::k"':,,> "E"L
-~.~.....,,-"'_o",----'-."r'--,-.'.c'--" .___to' ." I
'- - _ ;---r:-:.:(;Cc~-=:~__ I~:'j ?,J",: ~"7I1dt!:~" o/!c.!.U'-_tSEALI
...-":> Nancy E. Fendig .I
0______________.__ ____.. t~EAI.)
,SEAL)
"
COMMONWEALTH OF /'I!NNSYLVANIA,
COUNTY OF CUNBERLAND . lit
Oil Ulil. Ih. 4th .)~~ ur Juna
Dmm M. Shoop, n notll~Y pllbHl/.lo u,,,,,,,I""o4 IImm. pmullul'~ ~1'fk'4r.U
. 19 9ilborurt mo. ·
Kevin p, Kendig & Nancy E. KendiE
kllowo 10 mo (ur ..1I.r"lorll~ 1110"0) lu be UIO I"'''UII(') whu.. o.III.I.):1Kurt .~b5CIlhcU 10 tho wlthlo iI"lnJlIIOOI. wid ocknuwlo.)ao4 th"
th. Y''''Ultd lbo lUll" rur tho purpo... Ih."lo CUllloloe.), CJ
IN WITNESS WIIERE( r. I h,r,HQTAI1IIAL.,rPUkocl" ... . ' , ,
DAWN M;.RI~ SHOOP, Notary Public .. "
M~ <ulIIlIIl"l"o "p'''' ""'", ,,','uIJI9. CumlJ"la"~ County. PA [, ~/ a. ( l tl iJl({ Ii ( (C'::~('-I
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York
Farm Credit. ACA
3301 Will M,,"" 5'''1'
Yo'~ PA 1710HBOB
1lllph'", 17171792'2511
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
~~~T ~E~D fHIi N~TI~6' YOU MAY BE ELIGIBLE FOR
F AL SS ST NC TO ARD YOUR MORTGAGE PAYMENTS
August 23, 1995
,
CERTIFIED ,
Re: Account No, 2617868.1
TO: Kevin p, Kendig
74 Kline Road
Shippensburg, Pa, 17257
FROM: York Farm Credit. ACA
3301 West Market Street
York, PA 17404
YOUR MORTGAGE IS IN SERIOUS DEFAULT because you have failed to pay promptly
real estate taxes and you have failed to make payments for a period of 60 days
on your commercial loan #248510 - 04, There is a cross default clause in that
mortgage WhlCh causes this mortgage to be in default also, The total amount of
the delinquency lS $2,543,00, That sum includes the following:
Real Estate Taxes $ 2.543.00
Total $ 2,543,00
YOU MAY BE ELIGI8LE FOR FINANCIAL ASSrSTANCE THAT WILL PREVENT FORECLOSURE
on your mortgage if you comply with the proviSions of the Homeowners' Emergency
Mortgage Assi stance Act of 1983 (the "Act"), You may be ellgible for emergency
temporary assi stance I f your default has been caused by ci rcumstances beyond your
control. and if you meet the eligibility requirements of the Act as determined
by the Pennsylvania Housing Finance Agency, PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS,
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice, During that time you
have the ri ght. to arrange a "face- to- face" meet i ng wi th a representat i ve of th is
1 ender. or Wl th a des i gnated consumer credi t counsel i ng agency, The purpose of
that meeting is to attempt to work out a repayment plan. or to otherwise settle
your delinquency. THAT MEETING MUST OCCUR IN THE NEXT THIRTY (30) DAYS,
If you attend a face-to-face meeting with this lender. or with a consumer
credit counseling agency ldentified ln this notice, no further proceeding in
mortgage foreclosure may take place for thirty (30) days after the date of that
meeting,
The name. address and telephone number of our representative is:
Mr, Gregory 5, Cornwell. Executive Loan Officer
York Farm Credit. ACA
3301 W, Market St,
York. PA 17404
Telephone (717) 792-2641
The name and address of a designated consumer credit counseling agency is:
Urban League of Metropolitan Harrisburg
28 N, 2nd S t ,
Harrisburg, Pa, 17101
It is only necessary to schedule one face.to-face meeting, You should advise
thi slender i mmedi ate 1 y of your intent ions.
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting, you have the right to apply for financial assistance from
the Homeowners' Emergency Mortgage Asslstance Fund, In order to do this, you
must fill out. sign and file completed Homeowner's Emergency Assistance
Application with the Pennsylvania Housing Finance Agency, The consumer credit
counseling agency will assist you in filling out your application, IT MUST BE
FILED OR POSTMARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your application to the Pennsylvania Housing Finance
Agency. or you must file it at the office of one of the designated consumer
credit counseling agencies listed above,
The Pennsylvania Housing Finance Agency is located at: 2101 North Front
Street, p,O, Box 8029. Harrisburg, PA 17105, Telephone No, (717) 780-3800 or
1 (800) 342-2397 (toll free number),
An application for asslstance may be obtained from this lender, from a
consumer credit counseling agency, or directly from the Pennsylvania Housing
Fi nancp. Agency.
IT IS EX TREMEL Y IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU
00 NOT DO SO, OR IF YOU 00 NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY,
Ava 11 ab 1 e funds for emergency mortgage ass 1 stance a re very 1 i mi ted, They
will be di sbursed by the Agency under the el i gi bil ity criteri a estab li shed by the
Act,
. .
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York
Farm Credit, ACA
3301 Will M,'~'I 5"..1
Yo,~, PA \1l0HB06
T,I,phoh'. (717) 192'2Bll
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
~~AD 1H+~ N9TI~. YOU MAY BE ELIGIBLE FOR
F C ASS S NCE T ARD YOUR MORTGAGE PAYMENTS
August 23, 1995
CERTIFIED
Re: Account No, 2617868-1
TO:
Nancy E, Kendig
74 Kline Road
Shippensburg, Pa, 17257
York Farm Credit, ACA
3301 West Market Street
York, PA 17404
FROM:
YOUR I~ORTGAGE 1S IN SERIOUS DEFAULT because you have failed to pay promptly
real estate taxes and you have failed to make payments for a period of 60 days
on your commercial loan #248510 - 04, There is a cross default clause in that
mortgage which causes this mortgage to be in default also, The total amount of
the delinquency is $2,543,00, That sum includes the following:
Real Estate Taxes $ 2,543,00
Total $ 2,543,00
YOU MAY BE EL1GIBLE FOR FINAN~IAL ASS1STANCE THAT WILL PREVENT FORECLOSURE
on your mortgage if you comply with the provisions of the Homeowners' Emergency
Mortgage Assistan,=e Act of 1983 (the "Act"), You may be eligible for emergency
temporary assi stance if your defaul t has been caused by ci rcumstances beyond your
control. and if you meet the eligibility requirements of the Act as determined
by the Pennsylvania HOuSlng Finance Agency, PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS,
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice, During that time you
have the right to arrange a "face-to-face" meeting with a representative of this
1 ender. or with a des i gnated consumer credi t counse Ii ng agency, The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle
your delinquency. THAT MEETING MUST OCCUR IN THE NEXT THIRTY (30) DAYS.
If you attend a face-to-face meeting with this lender, or with a consumer
credit counsel ing agency identified in this notice, no further proceedIng in
mor'tgage foreclosure may take place for thi rty (30) days a fter the date of that
meeting,
..
The name.
address and telephone number of our representative is:
Mr, Gregory S, Cornwell. Executive Loan Officer
York Farm Credi t. ACA
3301 W, Market St,
York. PA 17404
Telephone (717) 792.2641
The name and address of a designated consumer credit counseling agency is:
Urban League of Metropolitan Harrisburg
28 N, 2nd S t ,
Harrisburg. Pa, 17101
It is only necessary to schedule one face-to-face meeting, You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting, you have the right to apply for financial assistance from
the Homeowners' Emergency Mortgage Ass i stance Fund, In order to do th is, you
must fill out. sign and file completed Homeowner's Emergency Assistance
Application with the Pennsylvania Housing Finance Agency, The conSIJmer credit
counseling agency wl11 assist you in fll1ing out your application IT MUST BE
FILED OR POST~lARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE- TO-FACE MEETING,
You must either mail your application to the Pennsylvania Housing Finance
Agency. or you must file it at the office of one of the designated consumer
credit counseling agencies 11sted above,
The Pennsylvama Housing Finance Agency is located at: 2101 North Front
Street, P,O, Box 8029, Harrisburg, PA 17105, Telephone No, (717) 780-3800 or
1 (800) 342-2397 (toll free number),
An application for aSslstance may be obtained from this lender. from a
consumer credit counseling agency. or directly from the Pennsylvania HouSil1g
Fi nance Agency,
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU
00 NOT DO SO, OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY.
Available funds for emergency mortgage assistance are very limited, They
\\'111 be disbursed by the Agency under the eligibility criteria established by the
Act.
IT IS EXTREMELY IMPORTANT THAT YOUR APPLICATION IS ACCURATE AND COMPLETE IN
EVERY RESPECT, The counseling agency will help you fill out the application,
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision
after it receives your application, During that additional time. no foreclosure
IJroceedings w1ll be pursued against you if you hdve met the time requirements set
forth above, You will be notified directly by that Agency of its decision on
your application,
If you choose to exercise your rights described in this notice, we cannot
foreclose upon you during that time, Also, if you receive financial assistance
from the Pennsyl vani a Housi ng Fi nance Agency, your home cannot be foreclosed upon
while you are receiving that assistance,
Very truly yours,
By: York Far
By:
Gregory S, Cornwe 1 . Executive Loan
Offi cer
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA
Plaintiff
NO. 95~7229 Civil Term
v.
KEVIN P. KENDIG and
NANCY E. KENDIG, Husband and Wife
Defendants
Civil Aotion ~ Law
STIPULATION FOR ENTRY Ol-1YDOMEHT
I. PARTIIIl:
A. One of the parties to this Stipulation is York Farm Credit.
A&A, a corporation organized and existing under the laws of the United
States of America with a principal address of 3301 West Market Street,
York, York County, Pennsylvania 17404.
B. The other party to this Stipulation is Kevin P. Kendj.9 and
Nancv E. KendiQ, Husband and Wife, adult individuals who have a mailing
address of 74 Kline Road, Shippensburg, Southampton Townohip, Cumberland
County, penneylvania 17257.
II BACKOROu.rm:
A. Kendig owns certain real estate and improvements situate
thereon in Southampton Township, Cumberland County, Pennsylvania, more
particularly described in Exhibit "A" which is attached hereto and
incorporated herein by reference.
B. The real estate and improvements described in Exhibit "A"
was acquired from Larry Hal try and Veda J. Holtry, by a Deed deted
December 18, 1989, and recorded in the Office of the Recorder of Deeds in
a1\d for Cumberland County, Pennsylvania in Deed Book "I", Volume 34, at
Page 848.
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C. York Farm Credit, ACA has the following liens againftt the
ebove mentioned real e.tate and improvements with the following amounts
owed es of February 26, 1996:
1. Loan No. 24851/400 dated June 4, 1992 in an original
principel amcunt of $10e,000.00 secured by a Mortgage dated June 4, 1992
recorded in the Office of the Recorder of Deeds in and for cumberland
county, Pennsylvania in Mortgage Book 1071, page 4491
Principal balanoe
I~terest through February 26, 1996
Reasonable attorney's fees
$51,474.60
3,901.06
2.700.00
$58,075.66
Tctal
2. Loan No. 2617868-1 dated June 4, 1992 in an original
principal amount of $191,973.35 secured by 8 Mortgage dated June 4, 1992
and recorded in the Office of the Recorder of Deeds in and for Cumberland
County, pennsylvania in Mortgage Book 1071, Page 444:
principal balance
Interest to February 26, 1996
Late charges through February 26, 1996
Reasonable attorney's fees
$177,965.68
10,421.17
117.78
9.000.....QQ
$197,504.63
Total
D. The figur~s set forth in paragraph II(C)(l) and (2) do not
include any costs of suit.
B. The figures set forth in Paragraph II(C)(l) and (2) do not
include any credit or set off to Kendig for York Farm Credit Stock whj.ch
is owned by Kendig as a result of the above mentioned financinge.
F. On DecGlmber 20, 1995 York Farm Credit, ACA filed a
foreclosure action in the Court of Common Pleas of cumberland county,
Pennsylvania to No. 95-7229 Civil Term against Kevin P. Kendig and Nancy
B. Kendig, Husband and Wife, seeking recovery of the amounts then due
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under the terms of the Mortgage and Mortgage Notes set forth in Paragraph
II(e)(l) and (2) above.
O. All of the Notes secured by the Mortgages Usted in
Paragraph U(C)(l) and (2) are in default.
H. The following documents which are attached hereto and
incorporated herein by reference are true and correct copies of the
original documents I
1. Exhibit "B" Loan No. 24851/400 Note dated June 4, 1992
in tbe amount of $105,000.00.
2. Exhibit "e" Mortgllge dated June 4, 1992 in the amount
of $105,000.00 and recorded on June 5, 1992 in the Office of the Recorder
of Deeds in and for Cumberland County, Pennsylvania in Mortgage Book 1071,
Page 449.
3. Exhibit "0" Loan No. 2617868-1 Note dated June 4, 1992
in the amount of $191,973.35.
4. Exhibit "E" Mortgage dated June 4, 1992 in the amount
of $191,973.35 recorded 01\ June 5, 1992 in the Office of the Recorder of
Deeds in and for Cumberland County, Pennsylvania in Mortgage Book 1071,
Page 444.
III. STIPULATION:
A. Acknowledaemente. The following paraliraphs shall constitute
admissions by and declaratione against the interest of Kevin P. Kendig and
Nancy B. Kendig:
1. All of the documents listed in Paragraph II (H) and
contained in Exhibits "B" through "E" are true and correct copies of the
original documents.
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2. All of the signatures contained in the documents listed
in Paragraph II(H) and Exhibits "B" through "E" are true and oorrect
.ignature. of Kevin P. Kendig and Nancy E. Kendig.
3. Kevin P. Kendig and Nancy E. Kendig exeouted all
documents listed in Paragraph II(H) voluntarily, willingly and with full
knowledge of their content and of the legal consequences of the execution
of these documents.
4. Kevin P. Kendig and Nancy E. Kendig hove no defenses in
law, equity or otherwise and have no counterclaim, rights of set off or
rights of recoupment against the documents listed in Paragraph II(H) and
in Exhibits "B" through "E" or their obligations thereunder.
5. All the documents listed in Paragraph II(H) and
contained in Exhibits "B" through "E" constitute valid, binding and
enforceable obligations of Kendig.
6. Kendig has no defense in low, equity or otherwise to
the foreclosure action brought by Yorl( Form Credit, ACA against Kendig on
December 20, 1995 to No. 95-7229 Civil Term in the Court of COI~on Pleas
of Cumberland County, Pennsylvania.
7. Kendig acknowledges thst the following notices were
received with I'egard to Kendig 's obligat.1ons under the documents listed in
Paragraphs II(H) and in Exhibits "B" through "E" and the legal action
brought by York Farm Credit, ACA against Kendig to No. 95-7229 Civil Term:
(a) Act 91 Letters mailed August 23, 1995 by
York Farm Credit, ACA, to Kevin P. Kendig and Nancy E. Kendig Re: Account
No. 24851-04, copies of which are attached hereto, marked Exhibits "F" and
"G" and incorporated herein by reference.
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(b) Act 91 Letters mailed August 23, 1995 by York
Farm Credit, ACA, rei Account No. 2617868-1, copies of which are attached
hereto, marked Exhibits "H" and "I" and incorporated herein by reference.
(e) Notices of Defeult (10 Day Noticee) mailed on
February 7, 1996, to Kevin P. Kendig and Nancy E. Kendig, copies of which
are attached hereto, marked as Exhibits "J" and "K" and incorporated
herein by reference.
8. Kendigs acknowledge that as of February 26, 1996, they
are liable, jointly and severally, to York Farm Credit, ACA for the
amounts Bet forth in Paragraph II (C) of the background and thess amounts
are true and correct.
9. The notices referred to in paragraph III(A)(7), copies
of which are attached hereto, incorporated herein by reference and marked
Exhibits "B", "C", "0", and "E":
(a) Are adequate under Pennsylvania law.
(b) Adequately informed Kendig of their rights.
(c) Are not subject to challenge or attack.
B. Terms:
1. Subject to the conditions set forth in this stipulation
judgment shall be entsred immediately in favor of York Farm Credit, ACA
and against Kendig to No. 95-7229 Civil Term in the amount of $255,580.29.
2. Kendigs hereby waive any defenses or objections to York
Ferm Credit's foreclosure action filed to No. 95-7229 Civil Term and the
judgment ontered thereon.
IV. WRIT or EXECUTION: Provided that Kendigs have complied with ell
terms of thie Agreement, York Farm Credit, ACA shall not file a praecipe
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for the issullnoe of a Writ of Exeoution to the judgment entered to
No. 9~-7229 Civil Term before August 28, 1996.
V. CONDITIONS I In oonsideration for York Farm CI'edit, ACA's
forbearanoe from issuing a Writ of Exeoution upon the judament entered to
No. 9~-7229 Civil Term, Kendigs shalll
A. Wi thin ten (10) days of the entry of this stipulated
judgment, pay in full the principal balance with interest due 011 Loan
No. 24851/400 as calculated in paragraph II(C)(l) plus interest from
February 26, 1996, through the date of payment at the rate of 615.1603
dollars per diem, and costs of Buit in a replevin action in the Court of
Common Pleas of Cumberland County, Pennsylvania, to No. 95~7368 Civil Term
captioned York Farm Credit, ACA v. Kevin P. Kendig and Nancy E. Kendig,
Husband and Wife.
S. Wi thin ten (10) days of the entry of this stipUlated
jUdQment, pay all interest due through February 5, 1996 upon Loan
No. 2617868-1.
C. Pay in full all amounts owing to York Farm Credit, ACA upon
Loan No. 2617868-1, and this agreement, on or before August 28, 1996.
D. Not file a voluntary Federal Bankruptcy proceeding whether
it be Chapter 7, 11, 12 or 13.
E. Not have an involuntary Federal Bankruptcy proceeding
commenced against them or anyone of them whether it be a Chapter 7, 11,
12 or 13.
F. Not reoist or dispute York Farm Credit's foreclosure
proceeding with judgment entered thereon to No. 95-7229 Civil Term.
G. Not seek to delay any foreclosure sale which might be
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ache4ul.d aft.r Auguat 28, 1996.
H. RemoV. them.elvea, .nd .11 p.r.cn. claiming through them .nd
thair po.....ion., and the po....sion. of .11 per.ons claiming through
them, from the premise. subjeot to York Farm Credit's above mentioned
Mortgage within fifteen (15) days of any foreolosure sale held after
Auguet 28, 1996.
VI. INTEREST RATE: From the date of entry of judgment pursuant to
this etipulation, interest shall continue to accrue upon the principel
obligation only at the rate of 8t p~r annum, until August 28, 1996, after
whioh date int&rest shall accrue at the rote pursuant to and in accordanoe
with the terms of the Notes and Mortgages, which Notes and Mortgages are
attached hereto as Exhibits "B", "C", "0" and "E".
VII. MTORNEY I LllD.:
Provided that Kendigs have complied with all of the conditions
of thi. Agreement, upon payoff of the Loan No. 2617868-1, the attorney's
f.es portion of the payoff of Kendigs' obligations to York Farm Credit,
ACA shall be reduced to a sum no greater than $2,750.00.
VIII. REPLEVIN ACTION:
Immediately upon payment of Loan No. 24851/400 in acoord8nce
with this etipulation, York Farm Credit, ACA shall release all liens held
againet the equipment of Kendig and withdraw the replevin action filed to
No. 95-7368 Civil Term in the Court of Common Pleas of Cumberland County,
Penneylvania.
IX. MISCELLANEOUS:
A. York Farm Credit, ACA may assign all or any part of the
judgment and right hereunder.
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ALL that cetain tarm situate in southampton Township,
CUDberland county/ pennsylvania, bounded and described as
tollowa:
BEGINNIlIG at a atone in the road lead in':! trom L.8IIbur':! to
the Turnpike, ~hence with said road and land now or formerly ot
carrie B. Railinq, .t al, North 42 degrees West, 40.5 perches to
a stake in the roadr thence with said land, South 41 deqree.
We.t, 107.3 perches to a stonel thence bY land now or formerly of
Edward Hiqhlands and C. Lon':!/ South 32 deqrees East, 107.7
perches to a postl thence by land now or tormerly of Harry
Buqhman/s lIeir., North 42 deqr.es East, 168.9 perches to a post;
thence by land now or formerly of carrie B. Railin,:!, et al, North
51.2S deqrees West, 61.9 perches to a ston.; thence by the same,
South 43.5 deqr.es West, 34.05 perches to the place of BEGINNING.
BEIllG a pertion of the real estate which Larry Holtry and
Veda J. Holtry by their deed dated December 18/ 1989, and
recor~8d in the Office of the Recorder of Deeds in and for
Cumberland county, Pennsylvania in Deed Book "I", Volume 34/ at
paqe 848, conveyed to Kevin P. Kendig and Nancy E. Kendi':!, hi.
wife, Mortgagors herein.
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/ll7l1C11111111ISA IJIlIAL COtmlACT. AU. ,AIllTlL, mllllrro 5110UIJl IIl1An 11/15 /ll7I1l CAIIU/'IJIJ.Y
NOTE
mJ.JJ:IATJ(JN 0' IWJlfnJ uSlm IN TlIlr nncuUfJ{T
/lOll.1lllo _..... ril be aU'" 'h. /I...,
I, WI. MIMI, and MB . '"'... ",da ,.(., I, lIeh .nd .11 ~f IhD" ~"D .Ie IhI. HOI.. lI.rh pI,toQn or .nlily _ho ,11'1. ,h,U be
U.~I. ,., '~'"' of It._ 'lUll. "'bI. Th, "rdl', .'1 INn., Ind m. 1n1l1l4. ny corpor,lIon, INail p.nn'Hltlp or 04htrl'I.1 "'lit)'
.~,h m" lip UN' Not'.
LIMIBII .1111. _d ",... ,. YOnK rAnH cnEOlr. ACA
,n" 1n1 Dlh., hold., o( ttl.!, Not..
SIIClIIUTY l'NSTltUM!NT. 'Ill1. ""11/1) In,. o( on, or molt Mfllrll' "QtVm.nll' 111"'''' Inch".I1111 but not Umllld 10 I Mon."'1
Dud ofT",.., or iSea&rlty A.....m."h br' whldl 'I""d 10 fll.all' pfl)jl.rly 10 Ih. u/"jlhr U ""1111)' (or lh. "p.ym"" 01 Ihll NOli.
DBBT . Th. e..ndcr tiN lo.ned 10 m. J 105 I 000 I 00 __ on *hl," 'mounl f am 10 p.,. !.nil"., .1 Ih
r," 01 10, 75 IM'""I pt, lMum, ThI.lIlh. Debl ."..l'.nl.,ed 11'1111 p,,,.u.nllo Ih.l'.nn C,.1I11 Art 01 1971. II .m.nd.d.
1'.4YAlliNTnF nlF. DF.RT
I pro""'" '0'" I'" D.bt 10 Ih. Lander, or III or.ur... r"UOWtl
.) 'A YMINTSCUIOULB .lth.U ..p., Ih. Od>> .cco,dinIIOlh. rlllllM'Ut1 P'Y""I\I r.rhwloll.r
BJ monthly Plym,nta or $1 ,5713 beSlnn1nIJ 6/20/92 and CQntlnlJlnR monthly the,.e.ner.
b)
An)'lhln_ tonllln." in "'d p'rm'"1 .duululc 10 Ih. conlrlry nOlw'ilh.l.nl1ln&. I 'I'u, In Iny evIl'll, 10 PlY lft lull on
Hay 20, t 999 .Ih, "M.IUnl, 0'1" hlr.or. '1'1' unp.lIJ b.l.na Ilrlll, Dlbt oUIU'ndll'lllln ..flJ M.lurity 011..
APPLlCAll0N OF 'AYMEm'S . An, r,.ym,tU on Ih, Debl .h.1I bt 'rrllriJ nru '0 Ih, parmcnl .1 Inl~,ul alallAlld on Ih,
DUluln,",,_ priAl;;P" 'nil Ihln 10 Ih. ,cdua QI'l Illlh. oUlu,ntJlnl prlndp.1 b.I.IlCA,
PUPA YM!NT ~ (,ppUClbl. b<l,11 ,hld,d)
pq I!Ictpf 10 Ita. at'nl proh.lbll.d by IppllClbl1 Ilw. It Ih. D.bt I, prtp.ld .hh., In whol. Ilr In pin. , 'p" 10 p.)' .
pr'Pilym.nl JMn.lry tqlllllll) 1'4'0 JMrctnl (1~) 01 Ih,'mounl pr'plhJ.
II ,,,. Olblll p,'V.y.bllln luU or in pan I' '1'1)' Ilm. wilholll pen.lry.
erncr 0' PREPAYMENT.. No p.nl.1 prrp.ymlnl wiU redllte Ih. .mQunl 01 (1I1l1t. iJualllm.nu wilhoulth. "'1'1"1'11 ql Ih.
Lend".
CIIAROI!.S FOR LAT8 'A YMBNTS . If I I.U 10 m.... .n, plt'T"'nl '.'1IlIl.d hlUby \lIhu dll', I .h,U PI" III' 'h.,.. In '1'1 .mollnl
Iqll.IIO on. p'run' (1') 01 Ih. d'''"qu.nl p.y""nl lor 11th '1'111 w.ry ,"onlta. or pin Ih.nur. Ihll lu,h p')!1I.nl '" d.lln'1Il.III.
norwlIhll.ndlnl Ih. L..,.d,,', rlUlp' .nd lituplln" or In, p.ym'"1 '.qll",<<I ~"d., ihll Heu. or .n1 5.nm'IY Inlll'\lml"I(I) m.d,
IIl1tlh.dudl".
fAlLlnlI TO FAY. Th. Lend" hlllh. "Ih' 10 "'11111. imm.dlll' p.yn"nl 01 IhI ,nllt, ""p.ld lullnCA 01 Ih. .mollnl d~. under
Ih!t NOl..nd '1'1)' S.Quiry InuNm,nl('), IIlI.lh" \lIUh Ii'll"'" It",..n IInder Ih. 101l0'*\nl (ondlllonl:
I. III do 1'101 maka .nyp.ymtnl due und" 1M. Nol. or '1'1)' Scc:un'IY InUNm.nl(')on o,belo"l, 1.1.1111, .nd/or
1. U I do nOl hap '1'11 olh" prom I.. \lIhldl I mu.. In Ihil Nol. ., In .ny Scnlf11r. In'"'\Iml"I(I), 11&1" IhDI Ih. Ltndu
or &II, 01"', hold" or Ihll NOl. dou nOl hln 10 p'....nlll beloll "qulrlnl p'rm'll .
51!CUlUTY lNSTRUMEm'T1!RMS ~ l,pII Ihll..u Ih. linn. In Ih. s.ca,r1ry InUl\lmlnl(.) 1.lp." are m.d.. p.n orlhh NOI..
WAIveRS. I. I 'fr" 10 w.lv. d.m.nd lor p'rm,nl, p'lIInl.llon, nolla of dllhonor Ind P'Olu.l, .nd 'P" wilholll Illn"" "011"
10 m. .nd wilhOl,lI . ltalnllh.llobllhy 10' f.plr.,n, 01 Ihl. NOI.lh.1 Ih. LAnd" mlY:
I. "1'1", ,qmonu" Dllnd, 0' f"rT'''I.1 . e"dllll"", 01 Ihl.IOIn, .nd/or
b, CIIch.nl' or "1.... '1'11 MainlY Iqr 1""IIl.n, ,nd/or
c. ,,1'11I .nyon. \lIho IlplJ IhU NOI. 11Ih" p.nl.lt)' or 100.lty olU.bUrry,
2. I IlInh., Ipc.t 10 ../V. Ih. benln. or .11 IlImpllon I.w. 10 Ih. alii'll Ih.1 &ue" I.w, .pply 10 Ih. coH.I.n' ...hleh I&N,,,
Ihll HOI~I an)' rI&h1 or "I~rr. wb,o,.llon. .nd .n, .nd ,II del."... _hlch 11'1I" h.v. 'l'Uiu Ih. lAnlJer or '1'1)' olhrr holder
01 Ihl. !'fOl', lJI,IYdlrll Ih. w.tv" or Iny del,n.. .hJ,h . ml&hl h.v. by ,,1"11I or Ih. ach.nl', III., &urTCnde, 0' olher
dhpolhlon nllh. coll'lUII whJ,h ya,'"'h.. NOI..
A1TOIlNEYS' f'P.E.S AND COLU!CT10N COSTS .lIlhh NOli h !ivl" 10 .n 'IInm., lor Ih. pllfl'O" 01 coll.nlon.. '1'"'0 P'Y
bllck Ih. und,r, 10 thl G'lenl neM prohlbhcd by 'ppllubl. h,w, .U rcuon.bll IlIomC)'.' I,,, .nd olher ,elaled "Ucalon cou,
Ind Dp"NCI l.nC\lnw by II,
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June
.19.,2L.
/ '
i' 17 d v;;- (SEAL)
(SI!AL)
(SEAL)
pi 'If'
P. Kendig
:ilplIUJl
(SI!AL)
:'1&nahH.
F1lU!D/IHST "LLMENT
Rev, 1/1/19 MJ14
.
Loan Numbe~l 024B~1/400
Principal
Stockholderl Kevin P. Kendia
FmHA LOAN GUARANTEE PROGRAM
REQUIRED ADDENDUM TO PROMISSORY NOTE
"Addendum for Highly Erodible Land and Wetland Conservation"
Addendum to promissory note dated June 4 th. 1992 in
the amount of $105.000 at an annual interest. rate of Ten and
three ~uarters percent. This agreement supplements and attaches
to the above note.
Borrower recognizes that the loan described in this note will be
in dafault should any loan prooeeds be used for a purpose that
will contribute to excessive erosion of highly erodible land or
to the conversion of wetlands to produce an agricultural
commodity, as further explainod in 7 C~R Part 1940, Subpart G,
Exhibit M. If (1) the term of the loan exceeds January 1, 1990,
but not January 1, 1995, and (2) Borrower intends to produce an
agricultural commodity on highly erodible land that is exempt
from the restrictions of Exhibit M until either January 1, 1990
or two years after the U.S. Soil Conservation Service (SCS) has
completed a eoil survey for the Borrower's land, whichever is
later, the Borrower further agrees that, prior to the loss of the
exemption from the highly erodible land conservation restrictions
found in 7 CFR Part 12, Borrower must demonstrate that Borrower
is actively applying on that land which has been determined to be
highly erodible a conservation plan approved by the ses or the
appropriate conservation district in accordance with SCS's
requirements. Furthermore, if the term of the loan exceeds
January 1, 1995, Borrower further agrees that Borrower must
demonstrate prior to January 1, 1995, that any production after
that date of an agricultural commodity on highly erodible land
will be done in compliance with a conservation system approved by
ses or the appropriate conservation district in accordance with
ses's requirements.
v
/~~tI
Ken g v
Borrower
<./ '
--......
.
OPEN-END
MORTGAGE
THIS l\I()R1'GI\Gl:: SJ::CU1U::S FU'l'lJllF.: AD\' A~;CF.(;
TillS orEN.!ND MOJlTCAO~" '"."~ 'hi. 4 th "., ", Jun~
br~" un
.19':12
KEVIN p, KEl'ID IC i\:1D NANCY E. IZJ:.llDlG,
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SeE ATT,\CIIF,U SCIIEUIJL~ l'OIl DF.oCRlI"rIOS
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dtb\'Idneu \0 the MortRU~~~
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SCHEDULE "A"
ALL that r.etain farm situate in Southampton TownShip,
Cumberland County, Pennsylvania, bounded and described as
follows I
BEGINNItlG at a st.one in the road leading from Leesburg to
the Turnpike; thence with said road and land now or formerly ot
Carrie B. Railing, at al, North 42 degrees ~lest, 40.5 perches to
a stake in the road; thence with said land, South 41 degrees
West, 107.:1 perches to a stone; thence by land now or formerly of
Edward Highlands and C. Long, South :12 degrees East, 107.7
perches to a post; thence by land now or formerly of Harry
Bughman's Heirs, North 42 degrees East, 168.9 perches to a post;
thence by land ncw or formerly of Carrie B. Railing, et al, North
51.25 degrees West, 61.9 perches to a stone; thence by the sam~,
South 43.5 degrees West, 34.05 perches to the place of BEGINNING.
BEIIIG a pcrtion of the real estate which Larry Hal try and
Veda J. Holtry by their deed dated December 18, 1989, and
recorded in the Office of the Recorder of Deeds in and for
Cumberland County, Pennsylvania in Deed Boof: II I", Volume :14, at
Page 848, conveyed to Kevin P. Kendig and Nancy E. Kendig, his
wife, Mortgagors herein.
SCHEDULE "C"
IT IS UNDERSTOOD AND AGREED theta default under the terms
of either of this present mortgage or those of a mortgage of even
date here~lith from the Nortgagors herein to the Mortgagee herein
in the principal amount of $191,973.35 shall constitute a default
under the terms of both.
"Borrower further agrees that the loans secured ~y this
instrument will be in default shOUld any loan proceeds be used
for a purpose that will contribute to excessive erosion of highly
erodible l~nd or to the conversion of wetlands to prOQuce an
agricultural commodity, as further e^plained in 7 CFR Part 1940,
Subpart G, Exhibit "M".
'.
.'
or hUa: ch",yu, pll)'llble by hIm In JI,',onJ,lIh:c \Null tha: 11:111I11 01 11m lIlr.nUIJUc IJIIJ the nOlen) bl:CUrcJ hcrc.'b~, 01111 Illite!:::! 10 PIlY the fiQitJ
imJet-lcl.lneu "Ithuu! UI1Y '~h)r( \l.hlllt:\Cr; JIIJ thai IlL: lIcrc;by c).Jlrc!'l~I> \\'Ol\t:;j, 10 lite (.'Ierll !lIH fnrth illlhc 1\1111:111 bccured hutcb)' llntl,
In an>' e\'ent, 10 the extenl of 1111: prop!:")' JC.\I:r1hctJ hl.:rr:ln, the UCl1cfilll( ull C"l!1I1plrl;lIl'i. hOllleMClJJ or IJlhCn\I~r:. lJfllJer the IIIWI of Ihi.
ur any olhar 'Lal',
Firth: Thll he hutcb)' "t,i~n"i_ !tlthe ~lllrtUllUCC IJIl ;.HJJlliLJI1..t1 ~t1l1alc:rJll1l1 to) t;hIC~ lIt olher lIloniu due Ilr 10 he come llue from an)' P>t1rflJce
ur ,ub,ur(o<. rlwhl ur (ur uny nWhl or prll'll,w, olh,,'hulI (ur UWI'I'UllllruJ "urpll"" 1111111)' WU) III(e"'II~ In P""'IIII1C IU Ih, propen)' hereb)
ccn\'c)'rd IInd oil Olullhn "'hieh mil>' bec.:oml: duc III un)' l,'OnllcrnlllltlOn "rucecJ~1I1i5 ul"l!l'lIn~ lhe 5DhJ prcnme/i am! alllUl1l1 rrcel\l:d may
b. oppll.d. "Ih. opllu" o( Ih. Munuuucc. 10 Ihe d"ch.rw' o( 1111) p"n or ull o( Il,e IlIucI"eulI'" ,.,ured h,r.b), \lhelh.r or nOllh, ..m.
be du, ,"d p'robl,. ur" 'he upllon o( II.. hhHlUUUCC, .lIch 'UI1" III')' be lelllm,d III 1110 MonuoWQr 'lid Ihe Mon.'Gur \\1111101 ~ronl ony
,ur(", ur ,ub.ur(o" rlUhll \\'l<hllUl Ih, WI"IOI1 ellll,.,IIU( 1/" Monl"Cce, \\'lIhoul III 0111) wn) 1I111/III1U Ihe uenmlll)' o( Ih. (or'Golnu. Ih,
IIUU\'C mcntloned riKlln IIlld rrl\'lle~e' wlIh rCl>pcl.:lltJ wllld! IDiu nl}'ulu~5 ur IIlher lIIunlc, are Dlbl.:neo all udJluunlll cnll,Ueral r.haH Indud!:,
bUI nOI be Ilmhtd to,lurr"CI: IJr !l1~b~urru.l:1,! Illlllerol cu~ell1el\U unlJ prul1lll, rl!;ht~ It) UM! lJr IJIr Sptu:c, 111m! UtiC r1~IH6, and lJJ;rrl,'mentl re5trh;ung
pilnlculllr lam! UlIU, IncluiJll1G nunallrl~ullurul U1CD.
Sl:cthr Thlll, upun rC:4ueu or lllC MUI'~L1yecl Ihe ~llInltLJl1lJr \\ill runll/ih hJ the MlJnJ;llt;t'c LJllnulJlI)'1 fllr tJch per~on or emit)' obli~o.lcd
10 repl)' Ihe Indabtcdneu lIec;ured hereby, WHhl1l IlInel)' JJ~'5 aft!:r Ihe CI1U tJr the rCI)lJnlIII: IIbliQur'lI lillt.'ul ;o-ear. a boJance sh~et II of Ihe
lEnd o(5uch n~ca! )'Cllr, WIlU II protitllnu Ill!i!l ~IIJlum~m for lhe ~cor Ihen CIIJIIIU, in cu..:h CJ:\C In (unn .:and ~ul'1!itnm'e tll;cep\oblt 10 the MQn~lJpte
wntJ C~n1nctJ ".~ b':ill~ true UllrJ ,,'lIrrCl:\ JmJ I.:llIlhl/llllllJ 1111 tIIlJlI.:n~1 nmfl:"re~l.:IllUlh'll'. Ilr 1IIIII!'l!oh.\ll. If IIIL.' flrllldpid illHllum u( tlw InJ~t-tc,.tJnl:IIA
Ic;c~rc:tJ hcrch} l~ In CM;c~S IIr SIOlJ,OUO,IHI, IIr If !Ill: \'uluc II( tile rerl1llJnellt IIlIlHII\'CI1\c.:IH/i hi Ihe: 1,IIlU ~'III...h Jrc u~cd fur lh" rrnJUl.'liun
untJ,fIr Murugc \If IIYrll.'ulturulpwLil.lt.'(!'I I~ nll/fC lhufl 2.'i -;:, IIllhe hUlll \'lJluc uf I ilL.' I,'IIH,llcral ~("':lmllJ; MIl.:h ill~h:hll,'IJtl':/i~. ~ul,'h lilli1lll:Ii11 (nfllrlllll'
liun !lhwl! be 'u pruviJctJ wnhIJul rC4ueM b)' the t\1.lrlllU~C,'c, If bU1,'1l nllafldullllflJrIllU(hllll~ nllll'urlll~llc..J an Jbm'c,' reql",..'J. anJ lu..'h (3Ulln:
cunllnUCI (ur Ihln)' rJU)'~ liller \\rlllen mllll,'c 1~1 Ihe t\llIn~:JLlllr Ilr /iudl (.lIlurc, !ludl fllilulC ~hIJH l,'UIIM1lute .1Il C\'etlt O( Jcri\uh hr:rc:unJc:r.
St.:u:ullu Thutllc v.{U In~urc Ullu ~l;l,'rllll'lU'cJ bUlllhl1~" JllJ llllll.:r 1I11IHU\'CIlICIll~ 1I1l\\' 1111111 ....hkh 1111I>' hcrl,'ufll,'r h~ r1al,'cJ tJn ~:lhJ rrC:I1I1~CI
U;tlllU\ luu or uart1ltlle b~ lirc, lI~hllun~, c_'pl'l~lIltl. rlUL alrl;ruII !JIlJ \'i.'hll.:lr. t,Jlllllil~C, ~lll11l;e. willJ~lllrnllJr Iwlln l,:umroni~s llnd anWUlltI
lilmrO'lur~ 10 the t-rhmyuw(e. \l,hli.;h 'lllloullt o( 111~uru.nl;l.l c.::U\'CfIJUc ~hJIlIIl all)' C\-I,'lll. allhe 1lllnllllulII. 1:4u;a1 cuher Ihe- b,1l;an~'e ar the in-
dcbtedncu secured hurch)', the Jt:t\JoI: l.'IJ!lh \''lluc lJr 1111: rrOrcn) III~U'I,'J ur lhe rcplot.'cllll.!llI ..:mil uf 1111: prllpc:n) tll!'.ured. whlchc\'tr 15 lell',
Ir (he prnp~ny Ii In (I lIo...l:mlllelll nllJ!\uJleJ rlllnU JreLJ wlll:re purtlt..'lpiJltlln In Ihe Feucr:.il FI~lOJ PrOljrum IS reqltlrl.'u. !\hm~J~\Jr mU:H ubl:lin
FCUcrDI Flnuu Inlurun'.:e. An~ rlllk~ e\ iJ..:nt.'lnu \ut,'h In\uriJn.:e ~hLJII be ~CrJMle.U \1'1111 Jn~ hISS IhcrelJniJer 10 l:e rn~';at-le 10 Ihe ~t(ln~:1~ee
1&1 IIi InlrrlESIInD> crpe:)f, IlIlhe c'cnlllr 10~1 f-olllrlJ;U\:Illr ~11I GIVI: III1",C~Jlutt l\ltlk~ h)' 111:11110 lhe ,"'lont:iJt:ce, \\ho nlJY m,J\..r rr~"lo( or
Iou I' not mlt'Je pren:ptl> r~ ~11t\nl;alQr, :lIIJ t'LJdl IIlburiolr,ce comp.lIIY l,'un..:crllcd 15 her~h>, QUlhorlzeiJ JIIU Jirecll,'J 10 mo\..e p:lyment for
lu~h 10.. 10 Ih. order u( Ih, ,\Ion_'Ue. "I">', In","u o( 10 Ih, ~lunc'cor ,nd Ihe 1II0nu,u" julnll)', nnu Ih, in,""n" pro;"J!, 0/ 'n~'
ran thereof, r,':J~' be upvllcl! b~ tl'( ~t<1n~:I~ee 10 lhe reMl,Jraltt)/1 I1f rcpir vf thr: J~Il,,~..:d p:cpen~ tl(:H Ihe lJl-'llon ur Ille 1\1~n~J!;~C: may
toe wppllcd 10 the rcdur.:lion or the InJt;btetJllc:l~ sc\;urco hereb;-" tr l\lIm~a~et: dtl,.'n lu 'rrl)' such fJr~ceeJ5 III l:lid inJ:blJ:dneu, "I'ml:a~ee
,h.dl h~'o'C bol~ JI!l~':(lIon on It' tht: IMIIn.:r In \\hll:h the arplkatlon u( .)Udl pI nced: l!l Jmnhlltl.'u anlont: rmnc1pJI. ir.tercH, Ch:ugt'5. po:naJlles,
c~.pcn5e5 wnd CO,Ha. ctC'. C'(.'tllpfl!llng lhl; IllddJle~ne~5 ~c:;urt.'u hc;ch)'_ In 111C c\'~rl: or f'H~do~urc: Ilf (Iii,) Inun:;;]~e or IhL' Ir:1051cr of 11th: 10
Ihr rnongayrd prcpen~" In e'lIn~ul5hMlcllt oflh: inJ..:btcum:s!l ~!:curl,'t! III~rcbr, iClll~!lt, ;1I11! and jnl~re~t of (l:e M"""~:l;or In anJ 10 :n~' in-
suranct POUCIer. then in r~:ce ~hall p:H5 10 Ihe purchal'cr or l;ramce.
E1uhtht Th:u he will PD) \~hcn ~U': alltJxes. iien~, jllUglllCnt5 \Ir JliSc~"'nWl\l~ hl,'rCIUrOlc tH ht.'r~Jncr It:'I~'J. :lJ~":5t.~J l'r l,'I,'IIHilutln, liens.
upu:\ tlte rro~n~' hcrcb~ t::ul\\~~'elJ, an'J III lhe e\~nl :'\llln~Jgor rail) III pay I!le SJllle ~1l":t1 uu~ or (Jds III n~:ur.tJln mH~rJnc~ :15 herc::n
r-ro\'icJed.lhe MonliQ~ce lIIu~ nllJ\..e ~Udl p:.J)'lIlcnt or pr~)\'I~C SUl.'h 1I11Uruncc iWrJ asllllUru~ p;llJ lhcrcrtJr bhdll\l:t::1.H11~ CI p:ln llf th~ Itldd.'lr:unen
iecuretJ hcrch~' und cear Il1lcrt:~1 ul Ihe bdlhl~ rtJI~ 11,::n III drCl;1 rron! thl.' d:tle' ~lf P3YIIIl'llL
:'\Inlht Th~1 nIllWlllnt;antlln& un)' ur the prn\I~IIII'" n( Ihn. tIlon~"ge rllr pJYtlh:111 llf IIISurUlh.;e prcniluln!!. IU\~S. n:1J :t!lll~Hrnenu. Ihe
.\Ion,qn,qcc mU}':1I II', Ilpliun rcq\IIII'lh~ "'UIIIC 1llllC 1'IIIItJ III Ill,. t\llIn~a~..:c ttI in~t.1I11l1elll", Tllal upon t:'~rl,'l~r: ur ~.lt~ t'plll'l1 (1~' \\rIIh'n mlllce
rrunl \hc Mun~::licc b~ urJillJI) nloIl!. UHd III ,HldlIJlIII hlll\~I.lljlll"'lll ".I~Ul~'III.' 11111111: IlllJl.';II..:JIlI,'~'1 ~I,'I,'UI~'U h~'rl'h~, ,\h.rt~:1~dr ~hall pay hi
UIC ~llIn~llVr:r: UlllIl ~;HlJ illl,J..,:tll'.:JII"'~~ 1'1 ItJlI)' rUIJ. 1tl'llullllll,'llh flf 1,1)t.', Jrhllrll:~liJ' il!l'L.'~,nIClll~ ICVII.'J or Itl h'I:;\I~'J ,'plll..t lh~' rn:mi~cs
I..'lI'ocrctJ b~ lht\ r.u,"~agc. UIIJ 111',1.;11011,'11I' IIr Ih... prcllllulIl I)r rHl.'lIllUIll~ 111,11 .... ill IlI.'L'UIlll.' dul,' tlllJ ra~-ohlc hi r..'I1~'\\ ~uI:h IIl'UrJn~'t' l1n lhe
rrcmi~c~ W'.'I.;rrrJ II'.:reby U~JIII~1 hl"~ h~- 11,.,: Ilr tlll:l.:r hu...:.ur.l':l, i.iJ'Uolhll:'" .;lld ..UIllIII~"'III,'ic!l ,J~ IllUY ll\.' n:iJ:Ol'II'lhl~ r,:qUlr~'J l"ly IhL' ~1~ln~;\lte~
In UIIIIJUfll\, rlJr rlo:rh."J.., UllJ ltI" "llllIpill\~ 11' l:III11I1III11I,''1 ';JlIl{ol,'hn-y Iu lhl.' t\hlrlll.ll!":c. Th..:.'l.: 111"'lilllllh.'llh "halll1.'l.'qual hI ~:OlitualclJ rh,'llllUIII
ur premlullU for ~ul.'h In~ur:JlI~'c. la.\!:~ illlU J~"'C.'1"'IIlCIIIIl II~'\I d'./!,.' !ll!lI,''oIIII"IICt! 11)' rhe MIlII~'ilj,!cl.'1 le'l'" i11...lallltletll\ >llrcm!) (1;JJI! till:rcr"r,
Ji\ IJ\'d II, th.'llUlIII'~1 lIt i1l.\\,IlIIIl~'llI p.I~IlI~'lIh 1\\ h~'Ih~'1 .1Il1l11.1!. '~'IlIl,lllllll,ll, 'lll.Hl~'d) "I Illlfl.lhlYI Ih.II .111 Ii, I" lilliii' dill' 11111111' IUddlll'tllll"~\
~l,'l,u''':IIIII,',,;hi IU:\lIIt,; IIllt. 1110111111 1'111f1 1111111' 1/,111' wll"lI "'11l'1i 1'11'111111111111 1111'111111111', .IIld 1.1\1". .1111111.....'..,..1110.111\ '\ IIi 11l"IlIlIt' ddllhllH'lIl '1 h.'
MllnllUUCl: ~hull huh.! ~Ul,lllmlulllllt,;tll::. III !rUM hi riJ)' 11ll.'l'rl,'llllUtI,11I prl,'tIIlUlH~ UIlV HI.\I,'Il11l1d a!l~eb:oIl.I,'III~ h':I~Jre the ~,UI'L' l"l,'.lIl1~ JI,'limlucnl.
Tenthl That he \l, III ~cep all illlprll~'ClllCIHb ntJ..... ur herl,'Jfh.-r Itl'.:aleu 011 the rrl,'lIm:s 111 ~wJ n,'!HJlr: Ih;lI !lL' \\ ::1 n1~lmJIII Jr.tJ \\crJ; the
pr~mises herel->' con'oCYl!u in u J;Ul'J und hu~blJnll"l.c lIl11nIWr; IIlar he \10 i:; CtJI11l1ll1 nil \\':I:,:e Jnu UIOI h~ willnol cut or r~III11\f ('If pe:mli1
10 be cut or rcmO\eJ any \\'outJ or limber rruln s:uJ prellli)r:!' c.\l:rpl flJr UUlI1cstlt.' u~c Yo nJlllUt the \\'rlltCI1I;'On~elll of th~ :'\hm(;,l~~e O1nd th~
Monsa-Iter IhuJl hu\'e the ri~hl l\)' injlloi:tiun or l;thcrwislt 10 prcvcnt t.he cUlllnu nr r~moHtlllr an)' \\uoJ ur Ilnll'cr fr..Jm SIlIU prcmi~es
irrespeclive or \\ het.hcr ur Mt lhc bal,lllce or Ihe SCl:Urll}' 15 ilmple III prole':l the f-ollmg3:;t;e.
Elu\'f:nlh: TIliJt ht h~rcb>, r~pre5cnt.\ IJ.IllJ Wllrrttnl:. lu MOr1~tlt:ee 1.~i11 tJler( arc IIU OlLJh.'riab Ih,rcin:Jrtcr cHllC:Cli\'d> l,'a!icu "S~l:j:lJ ~13lerio.h ")
prescnll)-Iucatrd en ur ncar 111l.' prenm":5 Yo'hkh, unuer federal. H~II,', IIr hll.:ullaw. statule, IJftJIlIQnl,'C:. rcgulJIIL'/1 ur sl.muanJ. or admlnl~"01I1\'e
or Court orJ~r ur ue.l:rr:~ or private JUrCt:llll!llt (hcrcillJ(ter ~t)lIl,'cll\'~ly culleJ "Envirunmenta! RequirC:lllclIIs"). r~4ulrlf :-:peclaJ h:mJlinc in
use, ;cnerullon, CU"CClhll1. !'.lllru~C, Ir~ulml!llt. ur Jhpl.:~i11. IJr paYIHc1I1 tJr i.'U~I~ J~~(JCI.lICJ willi rCl\poll..Jlng 10 Ihe I:lw(ul Jirecll\'e!l (I( any
,"CUM or aRcm'~' or crlllllclcnl jUrJSUIl.'l'tll1 or (ur sinul.lr t.:l..'llIhlllllC hlll~, SUi.'1I SpcL'IJI ~1,I/\tr1.:lto lnclulJ(;" Ih"~e lilal \'h;olate any ";1110nal \,"If 10f,.':\1
ccnttn~cnc)' plun ur IiiI.' relciJ.f\C: I." Illrl,'llll.'ncLi rc:lt.::JM.' oi' \\hIL'h III;J~ vjlllJle llr ..:n:'ltt' !t;JbIIU)" ullul.'r the [!r1\'lIl.1Hlllc:nla! Rl'lluirelll(I\IS, Such
SfJ~chli MalCmill!llllH' IIlL;lutic la) a:lbl'slt)'j in any rlJrlll, fl.) urca ('JrnHlldl,'h~'dc rl.llllll in~\ul;IlIUII, (l,') r:llIU C,'IIIlt:lIt1ln~ leau, or (J\ lranl'iformerll
or Olhtr c:qUlpnll:nl y., ludll,.'t:ntllln JI~ICI.:IIIC Ihut.! 1.1l1JlJItIlI\J; pol)'t,'hllJrlllilh'J hlpllell~'h I Ctlllllllllnly refl.:rreJ 10 .15 ,. PCll~"). ~l o"':t~pr runller
reprCUllts anJ \\ornum Itl :\11l11~'Jgt:C Ihul (he ll(clIIl\e~ .If": nllllli1\\' !lelllU m~dl1ur 1Ii1\C Ih~'~' C\cr t'lecn mclJ In lilt: raM (M the .1cli\'ili~5
Includ!nG lhe Ullo:, llCncrulIl)n. l.'lIl1cl,lBlIl, \hlfilj;C. Irl.!;UIIIl.!lIt, III tJl'I"II:,ilJ Ill' ,Ill) Spcd:iJ hl,J1crnl!!I, anu in parlll,'ul.If, \\ IlJlllullillllllllB lhe p~'n~'r3nl)'
or the: rurcGclng. tile prcnlhc'\ >lre mIl "11\\' bl,'iflY UM.:J nur !In"'!: Ill!.')' c\'cr hL.:CII u~cll III the I'''~I rllt II 1.IIIIJI1II. "urJ.Il:c 1111J'l(JUIl~lIIr", or t'lh~'r
un:1I rur the t'~UllncJ1t. HUIUUIl lit L11\ptt\iJl III ~uhd I,l,U\U: lilh.:luYIHll ~tlnd WIJ~II; ~udl ,,~ blu'Juct. f\htn~IIU\J' will nul F'lucr or ptnllit Iu
bl: IltllC't~ an)' ".Ich SpCCIJ.I MJII':r1uhl unlIt ncar 1111: prCnw,I,ll. t'\lllhlllJt III.:'CIII :.111.111 ht: Jl'CI1lI'L1tU rmJlllbll'lr U:Atrlct lhl: IIIC. ,:ullccllun. IhlrQ~t.
Irculmcnl ur Ji'ptJbQ!11I OJ 1II:\l1I'cr ":llIh"Uml 'AHh apll"..."lJlc cn\lrun:llcOlul fh:ljulrl;/lh,'III~. or In~t"'lIcIJ~s. hrrblr.:IJC!. >rullu:r f'C!IIC:hJCI. rer-
'lUren or rcuo1cUJn prutJur.;l~ (mcJutJjn~ ~Q!ll,IlIne, Illllll!l luel. cran~C;J~C ull. hCIIIIII!; 11111 USl'i111 of lhu u~r1cuhurQllJf"Cr:Hlunl nIlW or hC'tt'ancr
cunJuctcd b)' the MQnuu~ur 11M Ulil prcrni~c& in I) GlJul.! nnu !lu,bu/ltJli~1.' 1I11)1II11.:r, Ml/I1~a~l)r (ul1herrcprchenll alllJ WUrrlmu 10 MlIn~Dice Ihlll
Ihtrc u.rc no weill or leplic IUllh~ or olher ul1l.Jl.'r~ruumJ ~n~~ I\l.'hl.'lhcr <:lJrrclIIl~' in UbI.' ur uIJUJ~dllnCU'ln.J1II1L:l.n on UIC prellme. 6IU'\'lng un~' oOlcr
p'fJpt:ny and OllU lhcrc ",e /10 welh. or ~cruc wlIl,r. on Olller p,ur.:n)' IlCf\lIIlIIOIC PIl:llIlbU. II al an) lime II I' Jr:tc:nnln<<d Lhol there lire Sr1cc1llJ
MlIltriwlllxlHCd on me prclllbu \o\hll,:h unllcr UIl) En\'lrllnmcIlUJlltcqulfclllent rC4ulrc ~1l1:I:IJI hlllldllllllln UAr:. Bcnerlllltln, co!lcclUln, &turasc,
"ca'menl, or dl~pllitUI. Mon~allur Ilhlll!. wllhln 1I11n>' '30) lhJ)'1 u(tcr hQ\ilns nbtDlllcJ uClUal ~no\o\'le.J~e OlefCU(, luhe or CUU51: 10 bllUlkcn. III
Mon~.Gar'llul. .'pcn.., luch "II un, "" mar bo nce""'I)' 'u campi) willi ull EII\'lrull,,"u~ RC4u"crn.nl', Ir MoniD~or .holl r.lIl11 101<.
.uch DCli!)n, Mon~a~ce Illa,' lilahI.' ul.hi1IICe,~ ur p~J~'IIICnt~ Illwardb p.:r(umlulIl'c or ~lJlIlI(ut'ljun o( Ule lanu: bUI ~hQII be unlJer no obll,lIliun ~o
h1 LJn: I1IILJ :111 ~UIII'" lilt ,hl\':llll\'J Ilr l'.mJ. IIh:ludlll~ .111 :-.U1m uLJ\illln:t.J I" paid Illl'UlIlll'l'lUnI \10'1111 iJIIY Jut.Jkllll ill o,ldlllllllMrllli't'e in\'t'\IIUllli'ln
or prl)l,,'t\:\'Hn~ ,..:lioIlill~ Ihc:rL:hl. ltlduum~. WllhtlUl lilllilOIlUIIIU Ole e\I":11I rcnnllll'd by iJpplkiJulc law, reu~unlJhlc ltllumey's relt5. fines. or olhcr
penQ.h~ plI,'mcnt5, 511411 be al once r(r"~'Dbh: h\' ~1QnI1D!;fJr anl.! nlllurn~ ~n llJ\'UIIl.'CtJ or p.uJ bhllll het.'lll11c Q pan f1( ,he indc~lI:dn~ll>I\ ~ec:ur('d
hc:reb", Fullurc o( ~luniju~\Jr III l.'lmlfll~ wllh ail En\'irulIlIlcnwl !'.C4u1rc.:llu:nlb ~hall I.:UII~lltulc anJ be a Jdauh umlt:r Ihlll nllm~;1~c. ~h'n~D~or
hc:rct'}' "'UltC\ In inJcnllll(Y ,JIll.! hull.! f.IIII1~:'~l;e hurllllc\~, IlIlhe: C,\Il'lIt IlCflIlIlICJ h~' iJpplil:ahk laVo' (Ilr all 11',,1\. lin~illl:O. d,'ll1n~('. l'OM nnlJ 1:\.
rc:n~cll, InclutJinw r..:a~lIn.Juh: ullurlll"~ ':'\ le..:\. IlIr f...llurc ul lhe prell1l~I." III 1.:IIIIII'Iy 111 all rC'pel.'l!! l\ IIh Ihe l:1I\'lhllllll~'IlIJI P.C:4Ijirenlt'llI!\ ur 0
hrcu.:h hy ~llInpuu"r IIf I.In~' ICrHe~CI1l,llll1n. ...."rrlllll). IIr a~'eC/lll'llI h~rlo:lIl. THE COVl!ro-;,'NT~. ^(iRr.E~IENT.s. H.ErRr.~(!f'\T^TION.s,
WAlIRANTllS M:U INIJI,MNI'I'llS Ill' MOltlO,\(IOII (,ONT^,NI',IJ IN TillS 1'^Il^Ult^,'1I ~II^I.I. ~lJll\'II'~ TilE U""URRf:NCE
OF ANY EI'I\S'I' WII^TSCiI(VI.II, 1:~C1,UIJIS(J II\Il NO'l' L1\\I'I'~U '1'0, '1'111' 1',\ \'OI'F OF Till.; '\OTl',S, SI:C'l'RliU HERED\', THH
IlliLEASE (JR rrJI(llCLOSl;Hl 01' '!IllS :,\01{'J'(J^(JI.;. OR '1'111.; "C<:lil'I',\I'CIi U\' TIlE ~\UI{'J'G,\U1,1! UF " rJ li Ell IN LIEU OF
FORECLOSURE
T\\'..:lnh: Thul he WIll perllltl Ih,,= MunVII~c": thrull~h Itll uUlhurilc.:t.J a~cnI" IU ~lIlt..'r upun Illc IlItln!;at!~J prt'ltcny al :JIIY r:a~lllI.3blc 111I1(' f\lr
Ihe pul'J'tUSC or lIl~rc:':lln~ lllc rrt.:l1Ii~c, JIll.llhc tJnl~r, t.:t1I1Jnilln alllJ ,er;lIf tI( Ihe: hllilJlng'i, hllrrOl'CIIICnll' :Iud lltht.:r ':I.lII.lll.'r:1J h'ICOI.:1J lm IJI~
premisc5 secured hr.rcby,
Thlru.'tnlh: Thai If JI JllY lItllt.: Ih~ t-.llln~;I~';l' ~h.llllnlIJr 1.:11'1' III n1a~e ,IJ\alll'C~ fill' 1111..' tllolilll':llillh.:r: IIr I'r,II~'l'I"11I '1;'IIIl" 11"ln~;t~~'d PH'lIIil'c'
or thl: lien 01 lilt' I\'.I/ngut!'':, Ilr IIll'ur cIoFcn'e~, U1dudm~ hUI 1101 IUlllh:ll tu iHtllrnt.!) '!! rl..'CS, (.~' rCiJitmll'( dl'fllull hl'rl.'und~r b~ Ihe ~hlM~:Jp('f,
or t.hull, In Ihe t;:i,~C uf 'I r.'lJn'.!l'u'~lIon loall. I\IU~C aJ'.'am'c'" III cllahk l.'llIl1rklllllluf Ih.... 11I111tll\'CII,::llI, fllr \\ hll.'h Ih~ \"un<tl'lJclltllll,':ln W:I!\ (\IlGin:ll.
I~ r'l\ot.Je. sUl'h co.n ;JIIJ :11.l\ J/l(':C~ :\hall hC\,'ItIII~ ran ur the 1I1ll.:tlr..:Jm.!,1' "l.'curct.J h....r..:hy and ~h:JlI he paYJule: tin ~~r.1:lnd \\ Ith inlerrsl III the
blllin~ rale th'~n ill c(f";l.'l frllm IIIC i.!UIt.: tlf r;l~ IIIL:nL
FuUrltenlh: That. Ujlllll JqfJult. in ,ulJillon Ln lJ:1~ 'JIII;r rcmeLJil.'b pw\'dcLJ r~ 1':\\1, the r'h'ng:J~ce ~haJll;J\'c Ule n~hl 10 lake ro.ntni..n
or lhc pro~eliY on j;L\thori1l'J by law ;Jnd to l)r':rJI~ :Jnd nlaJ1~~e LJr lca~c tll..: ~~\lr; ilm.llhe Mun~lJ~l.'1: IIlU~ rllahe In) n:oslJn::al:lr und rr("f'l:r
~u\'QJ1ces (or U:r.: c.'f'cr::l"n. IIlJlntcnun.:e unJ manJgcmcm of tJle ~":mt5cS :mJ ;W~' SUIllS \0 ad\':I\ced ~halll'r:ccmc rJn or the i.ndebloJnrs5
sccured hereb:. :1l:l.l l:~ f1aYlOlilr: lO~m':~lulCly ....uh Ir.len:M lit lhe bj!lIn~ ralc l1:en in ef(!;CI (rom Ihe dote of pJymer.!.
FlrttCnlh: Tjl~l up'.'n dcLHlh In lhe r::a)m::m of lhe- \>l.hule IIlrJeb:ednr:u !'Icc.:urcd hCft'b)'. or :111;0 p:J11 tJlerCt1r. as the ~:Ul1e flh~l bC'conle due
and I"'a,'a~:e. Ilr 11\ Ih~' e~~I\lII( 'I breach ur "'ny uf lhe It'n~15. co\'.:r.ants anJ ....onJulum II( 11,1\ monfJ~e or the 1I01~HI 5ceurtd hcreb\'. or ~n
tho: t\'I:r:llh~ :.lcn~J~tlr or ;lilY II( llll.'m bho:Jl JII:, bC(.'~llIIe in:.ohtm. tile Jn~ relltiun ulIlkr tJl~ feu~rill U:l.'\hru~IC':" CoJl:. mJ};e an D!\5r~nmo:nl
(or Ihe benel:1 uf crduor5, ur :'d\,' a pr:l:llon (IIr an urra;'l~':lII.:nl \',Ith crculIlII's. th~ entire tndeblcdneu n'cur,'J toy U:I~ Inon''''~t ,11:111, 01 Ihe
IJplion or lhr ~"-'n;1~ee, c::'.o:.lC' Iml~\t,;UI.:l:::I) Jut.: ilnd rJYJhlc \\lIh 1I11crcM th..:rl..'"n Jt Ih.: billm~ r:ue Iher. In 1:11'0:....1 J.mJ. in aGJuion 10 D'1~'
r,ernetj~' prm IJ..:U by 13\\, lh..: :"~rt:;n~l.'e m:,y In5tllUI~ an JI,,':ltJn 10 fllrrr,lll~C IlIi:. llIun~:l~c forthwith onJ pru~.....:u\.... Illc ~~mc 1(1 Jud~mfnt. e,\(('u.
IIJn and ~tt" (or the \"l.illI.'ClllilIU( \hc \\ hl'lt.: OII1\,'lJnll/f th': lI' Jcht..:l!nc:;b OIlU llll(.rcst r.:nlulIIlll~ unpaId, In~ludjn~ ~UIII' .3J\:lnC'~U by thc ~h'ng:1~l:e
rur 'In:, or 1111: p'.;r;:c,..:~ h';rc:nl,clllrt' ~c: f,1I10, h'~'':IIIl:r ""h CO"H o(~udl pru_...cdill~:i Jn~ rca~anilbk alh1mI.'Y') fl.'~~ i1~ ~"mun.:t..I by .:1rplical'h:
\1,;111: la..... AlIl.'rrl'r~ :nlhr: 'HHII~ft\(.:ceJln~~. hlrctht:r "'1111 .Il! 'lay IIf IIr \"\l.'n:1'1I1I1I (rnm l."c,.lIlnn an..! nil \"\IL:nSIIll!~ nl !llle f~lr 1':1~'n1cn: \\hkh
m~l~ h: ~I\'CII \'I~ oJ!I:. a~lll". a\,l' 01 u: ~.'lIlhl~ IlII\ll III 11I1..:\,' o~ \\111.:11 IIHl:-' h;:rc:Jlh;r he ~nill':htl, Jr~ /;;:r..:~y hHl.".l.'~ "':Jl\'cJ .:1/1J re/c:Jct'd,
SI,\ll.:l..'IIth: TIo",1 \\ IIhlJut .:lh:l.,;tIIl11llle l.ah.1lty uf Ihl: MII"L..'>J~\lr ur ,tn~ 'lIhl..'r [11::','1111 11..'\l.'ert >lll~' p'...r:,rllll."I'rl'",I~ rdc:l~ed III wnllllj,:l (llr r:I~'
lI1.:nt 01 an:' lIlllcL'II.:Jn':~'. ~\:'.'\,I,.':tJ lI..:re:')' ur Illr I'Crlorlll,IIIl:C p( Jll~ ul1l1~Ull\ln ~'lllHumc,1 h..:rc.:lll and \lUJ1uut arfe":lIn:: llle n~lll:o II( lM ~h'n~:l~"'~
\',tt1: re~pt:l,;IIO Jr.y :-1.:l,;Unl~' nth L:~rr..::\.I) Il'lQ~t.:\J III \\rllll1\i. OIntJ .....l\hllUI JlfCl.'lInl! the pnllril~' ll( ule lien ur Ihl) 1:~I.m~:It:;. I.'l' ,\Ionl=:.tr:~c
",;"lV, al all\' time UIl:.! frllrn tilth: rllll1llC. e:lhlo:r bdur..: Ilr aCler Ih..: II:Ululil\' II( !'tJIJ lIIll::hlc:dlll.:~li, anJ WIIIl\lut n~'lI'.',,: l{'1 llr UI~ n'n~elll o( an\'
J1u,;~' her":I:lllr ;my' 1'llIlo:r pliny' IiI} rclr.:a~..: "n~ rer...nl1 IliIbl.... ('Ir ra:'11I....1IIIl'.aIl11r ~Irl~ pan II( the iIlJ~blL:Unl.~' I'r I'M p;;rflln":II1~'( Ilr MY I'bll~:i,
11Im; IhJ l1luhc 1.111:' a~I'~Cl11L:nl rl.'~llIlIfll/,UI~, l'\lI.'IIJln~ u:e 11111..: III \llhcrWIW i1h..;t11I~ IIII.' lenlls III' I'i!) 11Il.!1II ,If :Jllllr Jn~ pJn Olllle: IIIJd'l~un~':u.
or In''t.Jlf:'in~ 'If y..JI'''IIl~ ~ny uhllrilllllll III ~uhmt.Jllhlllll~. IIhNif~ 1IlU- II' Illh~r\\I~e ll~;lljll~ willi Ihe 1i~lIllr dl;JrL..'~ lI'..'I~'llr'~ tl'lI.'\t:r':l~c Ilr rdrill"
frnrn c),l.:rt.:t..m; 'tr wlli\'C i111~ r1~hl :\llInL..':J~~; Inay h;l\'c; IJI .Ill'l..'pl ;ltJ~lillllllal ''':l'Url1r III ;III~' l.ltlll; Il'l n:k:I'l' Ilr ,'Ih,'r\\ I,e \Jl';ll \\1111 ,1lI~ "n'p.'r.
I)'. rcul "r pcr:,n"a!. sC,curlnG IIIJdlh:dnc\\. II1cluLJOIg. ull ('f an)' pan IIf Ih, ",rupcn) t.:un...ryd h":leby WIUhIU: :tff"'l.'llII~ the h..:n prlunl~' of thl'
mtlnwallc lllllhl' rel1llllnller IIf the prlll'l:rt~, r,lr II\(: (1111 UIn,IUIIl uf .IIIY illJ....tlll'lhICll~ llllP:lltl,
Sut'CfIlel'nlh: Till' MOII~iI,:C 1:'\ ,uhll:\,t hlllll..' FJrm CI~UI\ A.:t o( 1')':'1. .I,' ;llllCIlJ....J. :I!I "..:II 'I" Illc P.:l1l1:'~I\':HI1,] Op.:n.CnJ M{ln~:l~C' ,\~'I,
Act Ntl. 1:6 of IlJtJ:J, us \,:II:t: IllJ\ ~'.. ;IIlICLJCJ lrlllll Illlll." 10 lI:11C,
I'RUVID[;D. HOWt-:VL::t Ihal il ~1tln~ilgtlr :."~II w\.'ll allJ lrul~ ray \Ir cau,e hI hl.' p:ild ;JlI iIlJ(l"t.:JII~'!I~ ~\,'~'UI.:J hcr..:hy iIJ1J aJllnl('rCM
Ihereon anll alllJl:I..:r ~UI1l~ rOlyuhlc h~' ~l\lnt:a~tlr. In <Jt.:.:orrJalh:c with Ille tr.:rlll~ \If 11m l\\(lI1UU~C alld th( 11I111..'\l'i1 ,'':''Brci.!llt:rett~', Jt Ule IIll1es
lI,ntJ In the mallller a~ 1II.'rI.'1Il't,'! uut. unJ ~hallIl111l:rwi:.~ pl..'rfunn ulllhc terms. I:a"'t.:nunt~ and l.:lllltJUIOIIS or lhis ntor\~:l~e :.anJ un" othcr abli~:1.
1I0nes) ~ecurcd herc!1y. Ihl'n flllloo II\lIn~:'~e ~lIall hc "'lid: I1lhl.'rWI\C, II IS 10 r'..'lnilin in full (urcc :Jnl.! erfcc!.
IN WITNESS WHEREOf: Ihe t-.lu"~a~or. InlcnJillg 10 be k~JJI:, btlUIIJ. has hereunto sel hi~ hand :mJ ~~al !.he Jo~' :Inu \'C3r 3fore~:lId,
WI~ES. "-.. ......----.., I 17 / .
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~ I ( .T,'"':-.... .-_':.. r- ~ I\e\' P. [(enoig" ,
-:-, ) \\-J-~l'\"'-~~...) '~'i;~/~.,(' ,h.(':'t:{('~(j
-~ . --".-,,: - -.,.. Nancy E. e=ndig .;
...
(SEALI
(SE,\LI
(SEAL)
..
COMMONWEAL.TH OF PENNSYL.VANIA.
COUNTY OF CUMt\ElUAND . lit
On Lhll, 1II. 4th dAY uf Junll
Da\1'Il ~t.Shoop. olI notary public, . Lhe unde",IQn.d ornm. ptl'lillnuJly eppcured
.
. 1992. b4fo.. m.. .
Kevin P. Kendig & Nancy E, Kendi
knuwn '0 me (or Illlllfuelorily proven) 10 be ille penun(l) wholl nwnOll))jIt"rc lubleribcd 10 Lhe wlLhln Inlllllmenl. end Ackno~lcdUcd LhAI
tile y...eu\ed 1II. Iwne for Ihe pu"",... Ihereln <anwlned,
IN WITNESS WHEREOF, I h "unlo.,~g,TA8I~~Mhe"',
DAWN MAAllfiiHOOP, NQlary Publlo
M)' <u,"mlllion ."pl,..: Shlppen.burg. Cumbo,lond Counly. PA
My CommltSlan Explrll F.b, 5, 1996
On ((l~Trh .( If ,.ql(liQp
Till. of om..,
I he,eby eenlfy Ih.\ Ih. preelle pluee a(b.sln." of ,h. Monuuu.e wllhln nomed II '1111 \>I.,,,,, ~h~\JQ. ~'~".'
~crk. PA 17404
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Real Estate Loan Note
WLJ1JJnfl/l OF II'rlRllLIJ11JL1H nlls 'lOCllAI/;,,"
W.. ~ 'J'N,a doaolm'N w\U 1M caUld ,h. NiH',
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11."1. fur rim""' 01 Ih. .nlh. dclH. Th. ~Q'.u I, w', ,"In', Mil In' (n,hILM '/I~ c.GfT"'Jr'lhUl, IN", l",,"cnhlp In ollm 1'111
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., MY II"" by IJvUtI m. nOli" Ihcrlot ... Jlqul.1.d by 'rrUalll. I.w, p'O\Ihh:~ lhll Ihet. .h.U be no 11'0'.... or li.",1l.II In
my "'11r. rl" prior 10 r L VfJ ~C4rl rrom Ih. IlIIe hmor ,nd prl1'lfded (I.II1h"r Ihll my mwmum "'''rew fll' Ih.1I
nol In My IN.nl acud 16. 2~ ",etAnt pc' Innum, CurillK Ih. lenn o( Ihn 10'1'1 ...hu Ih. Inle,eM r'I' 1I ""bl,a 10
ehAllI'. Ih.f. "" no Ilmll.IIQn. un Ih. ,,.qu.",,, o( w~h ,hlnl" In Ih. lnlUhl nl.. 1111, I, Ihll OI:UI .nli i. CI\IIfJ4J 11110
plll....MIIQ Ih. film C'~II Al1 u( 1911. II .mcnlolllld.
I'.fYMF.WT np ntl\JJEllI
I promt.. 10. rlY Ihl D.bllo Ihl r...nd"" 01 hi cud". AI followl:
fourth
.) lal..- rl)'lDtDl . I 1m Ulbll ror In )",lel'" only plym.nl dloll on Ih. lall dI)' or J untf
'Nilh "If'"' 10 Inlc"M 'UNlnl r,om Ih. .talC rJ &il,bllntln.nl o( Ih. 10.1'1 f1foc.cCu, lhloll&h
Juno ,19..E.,
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last
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b) '....11_... Su,"ulvl monthly Inl....Jlm.nu of ptimip;J 111I1 Inl.n:.. In Ih. Imollnl of
I 1.963.28 .fl dill on Of bcll)fll Ih. nnt &1.1)' of AlJ~\J5t . 11J..!1Z.. and I ,Imll...
wm dlol. on D, bcfuII Ih. nr" IUY o( I&cl\ mont h -
IhnuOer ,,"111 11.f,1 { 11 .1131 )'un (,or" Ih. ..&:II. n( Ihh NUl.. II
...hlch 11m' I 'ilU II) I'll)' IIny unrllul bill Inc, ouullInlJlnlt In Ih. ...rnl 1M,. I' cUhC' In InJe,rat rill. in"'AM 0' &JI:"UM, I
''''Cllhlll my Ihlymcnu ...llllK In'll:uc&J "' &J"tUIoC&J III tr:nu, Ihl ,hllhill.
c) ".,..... ('J'pIlCAbl. bot II ctll,kr&J1
I I I!.lupl 10 Ih. allnl prol\Jbhe&J by IppUghl. IlW. It Ihl Debl lJ prer,!)lll clIhcr In \!Whol. 01 In plln du"n~ Iho limo Ihlll
Ih. InlllW flit LJ nol ....bJeC1 10 chllng_ (u Jpccltiell lbo\tC In Ih. p."",.ph ~plh,,".&J .DclJt"). I liE'" \0 PlY ·
pfer.ymlnl penalty cqu" 10 I\!WI) pc,una (1'.\) of Ih. .mounl pI'pllhJ.
~ I Tha Otbt 1I prcplly.blc In lull 0' In pin .1 .n)' 11m. ...lIhoul penlhy.
II) IUTCICI Of"~ O. f"llIR luuJJJDCIIU . No plnl.1 p'Cl"ym.nl will ,r&JuCt Ih. unounl 01 (uIUI' ilUlIUm.nu wilhoul Ih.
CDn..nl ollh. L.en!Jcr. .
.) Ow't.CI fDf' lM. ,~ . III 'IUIO mat. .ny p.ym.nl require'" hrr.by \!Whcn &Ju., I JhlU p,y . Iller Chit'. In In Imounl
Ioqlollr 117 on. llef"nl (1'1\) or Ih, dl:lln,\u.nl paymenl 10f Clch .n&J n-ery month. 0' pin Ihereof, Ihlll lIIch paymenl lJ
dl:linqu.nl, nol\!Wrlhu,!)nUln& Ih. LcnuIJ', 'CC:Clrl .n&J ',"plllna: of IIny pllyment '''lui,e&J un&Jl:r lh.l, NOlc 0' Ihl Munll,!)Bt/Ol:c~
01 TN" /)'l.de Ifler Ih. &Ju. IMII,
r) ',"u,. To P.,. . Th. LcntJcr hu Ih. ,;&hl 10 reqult. Imme"'lllll payment 01 IhI enllt, \,IMplhl bll,!)nCl of Ihe .mollnl du. under
Ihil HOII IInd Ihl MonIQII/DulllltT",.. under Ih. (ollnw1nl (onlllllonJ:
I. III &Ju nUl mg.a. .ny paymenl du. umJcr IhlJ NUlc 0' Ihl MUI'1IQIC/Dccd or Truw on 01 bdllll h b Ilue. IInll/o,
1. If' &J.) nOl keep If'y olnC' r,oml.. _hlch I milk. In IhlJ NIII. 0' in Ih. Monllli,/Dud III TI\II.f" I IllIu Ihll ,h. ....ntle'
0' an)' olhu hllhHir ullhlJ N/JII uou not hllvc 11.1 r,ullnl II bdllrc 'C!tultlnl p~)1Tlcnl.
a) 'MOfIPllI'fDoo.l olT~ TrnN.I'lJ" Ih.1 "'llh'l~rnu In Ih. M0r1lll./0crdqfT"'.... If. mtd,1 r~n oflhh Null,
il) Sor:uriI, . nw HOII 1I Malted by . Monll..jDu.d of T",'" 10 th. lIn&J" on prDpcny 10GlI1c,j In Ih, Counl)' 01
Cumbllrlilnd . Stili. 01 Pltnn!Svlv~nla '
I) Wdwrn. I. I _"fn 10 'W1l1v. ll~mlln~ (or "Iymenl, f\tlwnlltlon. nOli" Df &il,hl)no, Ind prolell, .nlol IllCe _Uhllul (unh.,
nl,lll~ 10 m. Ilnal WUhUUlllfh:oln& Ih. hlllJUllY (IIr ICr;l~m'"1 of Ihh NOI.lhwllh.l..unUl:f muy:
.. trnc:w. ,c~monl;l,. 1,\I:nll, Q, fCllnanQ' Ih. nculllcmu ollhll linn, lind/of
b. ncluu'IC lit '1:Ic~.., IIny ioIlC'HIlY Iu, Ihll loun, ~nd/u,
c. fl:lr.:olS4 Un)l'nll' ..hn li~nJ Ihi, NlJllI ,"her IHnJdlty Of 1011llly Qr lIablllly.
1. I lunlt\lf l~,e. III \II,!)l"lI Ihl IHlnvl1l ul III lllIenlllllOn III..... 10 Ih4 \.!Jlllnl Ihol lllC" Ill..... 111f'1)' 10 Ihl eulloll:flll
_hl'h J"\"I:I Ihll NulC. I"r. "ihl of att.ulf, Il.IlJroQallon. .nll In)' IIn&J .11 llerenW:I ...hh;h I, mlly hllu ~1I:ljnll
Ih. Ltnuc, or Ilny lllhe, hu d" II( Ihll NUl', ,lnduuln& Ih. WIIIver o( In)' Ilet'nlll wh.,,, I nu"hl hll". by VItI\I'
01 Ihl a~h'IIK" wi., &II".nllCf 0' olh.r 1.II")I.I'"IUn ollho cnIIIlIClIll_hl'" a.<<'\l,.u Itlll Nul..
J) AlIOtI":'" (Tea AAtJ CuI~IUtl Cuw. . If Ihl. Nul' la IlYen 10 In IlIlItn~'Y III' Ihn r."I'poI~ lJf hllle~'lo,ln. I "'''111'' f\') b.."
Ih. LAnllcr. II) Ih. nlenl nul l"uhIIUlC~ by urrI1t.lbl. IU\llll, .U c.&.IOnll,l. luomC)"" UI .nIlIM"er rel.IN OI4le.sNII WI,n ..."
nrcnwa In,,,"cd by II, +
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OPEN-END
MORTGAGE
THIS MOItTGAGl:: SEC\JIU~S Funllt!'; ADV,~NCES
TillS O~l!N.ttND ~IOJ\TClAOIi, nl,,~e Ihl. 4 th .1'> 01 JUlIe
bel"..n
. I') 92
KEVIN P. KENDIG AND NANe;: E. 1Z~t\DI'.~
t 5,.11' Ilf Iltl\n,~'h'4nl"'. hltn:lnJlter '.6I1IfJ "Mw\~IlF'U."
I"I\M ~~nolr. "C,\ III P.C'. I!ox ~~2, (.,rHslr., l'A 170lJ
I P.nmyl\l\IIlu, h'U:1I1;\(tcr \.'Jllc:l,j "t'I\.wt:",rc."
WHJtRI!AS. ,11\ lilt ."hUllll1n lJ( 11111 r"nl~" 1110",.111 1>.1 ...\.ur-: \lulU 11111 MIIII~,..I,~,;:. Ihl,' IM)'llh.III \\1n'1I Ju~ Ijl lit.: t.,!h,~i"l: 11~~...nl-lrJ
In-Jclllc..snC\1l1 (161 ^"111Ih:l.lhhhlt:" .1'1.1 \jbll~~lhlll~ ..11111. M'ln",'~~'H \" ill': M"'lr'I~,"C: \ollhl\.h ~11~c 1l1\lllo'l Ih.: IUl'\'llh\1H 1\1 IH\~ uJ Ihr Mill!.
~1&.l.1,I. LU.-:nunlt. Ind .~'rl:1l11l11lft hllhllll. ~U1~ lbl IlhhOlII(UIlC'.. 1111hi,' ,~"IIIk..l~lI' h' III\. MI/r1I:,IU~\1 nlll ~r."a;dhl. in Ih~ "V.h:~tllt' .t :lI\~
(III' 11m I nunl;htJlI'~
01)11"" ."j..9' J 1J7 3..1~__t, rdu~ 11\1:lIt~1 Ilh,U"" "'H) Io,IU~ ur l,,:UIl':l;ltUI', ",I",:tlltr IlllloV '1I.1!>lIn~ ,,, h';IC;lhr:r :Hhlll~ "11hlll
17 ") 1'\ )""1. hili" \h. J..IC herllll/, ....11C'Ih':I JIIl.~1 II' ,,'J"~I,;t. '1'lOil II' '~'lIIl1IlVl:nl. n\:J,lll'l~l' ('II UlllllllhJfctJ IItlUl~I,i1Io1~lllr uIlIH~IIII.l,jh:..J,
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l.Clnuuclr.d ..ill. Ihe ~hll'WJ~'~\ \Jr ijt''iIIII(J ~> Illr ~1.'lIt,I.Cl. h~ ,n~I.lltn(nl. 1I11",!"c:r III ~tlh(I\\i"r hlllll ,1I1I111I.:r, 5.,..11 IIIJr:t-Il.:tJ/I~~~ lUil~',
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I,r ,Ulrllhrr HI Ih~ MIIIlIl\\I~CU.
.'NY'rHI~IO \,'lJllI:lill'l,II,:IUIII 01 cl",,,II.'( Illthl: ~'II\II ~I ~ .Illly, 111I1hllhhllS;, 'hi" llI..nj:.tl~I,' ,1,'\,;llrC\ th,' 1I\I".hlt.dncf,' :llllllht uhllJ:.~II,,"~
aJl:\":r1b",lJ .hnv~, inl.lul.llll~ Ilrlvr, I" L.:~tlll "tllIl hl\lln' ...,1, 111I\11\ II) ~Iilfl-'::I:.:.\ft III ~lllrt~:I~llr III:uh' ul' III Ihr uhv' ,'.~hued 1I~).:n'~~~c
U1u(Il\\Im ~1"ijUllt u~hlullJIIt'~ ul 1111' l"'~ 11111"1 ~hl\ oIu ,ucd 1\11'1 UlIlllallllIlICn."'III"lh.tlll. .l1l,llh~ "'"nc:.;I~..\t h~'h;b~ :\..l.n,ml\'.I,I~" nn,'
:.a~I\lr:' th:u U\I\ 11I.,n~l.I~~ tll,lll ~"JI )'l\" Iln~ ,hllllllll 1I\' IIIU["J InlV 1111) (,llt.a Inor\~tjC\"., \\':I:J of 1,,,..1 0' ,\(o,,:'.IIlt) ;1;JHtnlfnt fM'(UIft! b~'
lhc t..hm;3,or 11'1 l:h1r oJi ll~r r,ltm.w~,.l'f ~Ihll, lll\'rl, JW' r./l~ \u':h Illh~r III.I:unIWI~ bllnl: ....I'lnaflu I:IJII.c\h :I~ .:ullC'~ :\ "SrC'unl)' IllflrlJ'
"'Cfll",. \\h..:th..:r IIv'J. r,'.UI.!'t w IIc/clllier l'nlthlJ 1I1Ir. "..~n Ihllllih lilt ~h.'IIVJa\", It'I( ~"(.p~rl~ L1r the illJtl'II~~lIr:o~ \c~urC'l.I .hJII t..: lhe
'tin1\,' ,U IlCh'ribr..J 1'1 Ihl~ H'IOll~.I~' ."';"OIlJIl\~I)', Ih~ MUIl'I'VtJr Ulld Lhll MIJII~1.l~t.'C iMlfl\ll. If ~:nt ,.It nll'rl. SI.;...Ulll~ hl\lrulll~nu ~fC tl:'.\.'1J,hJ
a..llntllhc rrCllo:n), Ih.ll \u"ll St~',IrII't Iwllulu:nl.. ~nllll'llIl1c OIC1CC'IJ .1Il.!. 1l\.lt eJ':'~. tlJ~1l 5:\'urn~ Ir.~uunl(nt. l\',~ Ihe lI~n., flU.Unlbroln..f!.
ond u:t.:\"wy Inlcr~~u "nr.lllJ Iht,d'h \holl ~1Jr<1" '.pnrnul).
:-'uW TItIS MOkTtjl-\(J1! \\'lr:'H:~5~Tli. Thl M.'r1~>\;.Jr, in vru.:r ICt tel.;UIU umv ~ll.t ~ltlrl~'J~'~' IlIr ro~n"~'I\1 0' ,III 'U~h imh:l.I"..tnt:.s
""~~ hu .nd III l,'1,l11'.1+.!Ui"lllOlilJr Ihr pre",",..". It" Itr\ll~'I1It1 prh,clp.1 ~um !lllll till: funh,'r -,""11 vf One l)nl!ar 1~'1 WllJr.101 him in hnn.:! ~ (':I
"nJ INI.. pthl b~ MIIIl;:\ '~~.I "r lido" HII: ~1I.hll' Jnu J:II\'v'\ hnLlJt, U.;tlpl ....11l;uM lot Ileff;b~ r.c~n\mlrrlttu, J",u. ~fOIlt. ~ar.:\ln. ~(It.
".'tme). (f1C-,Wl ,'IJ l.:,'n1Itlll Ulllv MlJII\l.~lij. II, ~u..:rw.'," ')I,J i.n.',l~n'. III h:c ,""pl.:. ..~llhJI l.;\:fl.lln I.HIII "11\.1.'1<<:. I~ 1I1~ ,III\J to,,"Y. III
StJUttl31Tlpt(l' T'l\,n~lIlr, Cu.~lb8.:'.~lrld C'J\'lll)', Pcnllt~I\Ullll\, nnJ IIti'rto: rJnl"hIMI~ J':h'r,llC',i ,h It"l\l'."..,
tiH. ...n"t.:II~U 6Cltnlllll.r-, l'OlllmSCnWrlQN
TCJ...il~THlilt .....111 'JlI h~r:JI\ijllll:nl\ ,mJ .J1'rwr1l:II.III~C_ h'.n.:unIU bcl"II~III~ anI.) "lll'nl~. 1,,~IIC:', Jill.! Ilf,\ill> \11~rl.'\J1 ,lid JlIlll1l'tll\to:UI.:m,.
\hrle";'l1 ""'\.JII (I,\II,IK. .UlIJ n~I.C'wlll.t Ihl\ol ",j h.:,v,IIIC:I ;.nnr-.ctJ i1ml .11luchclJ 11l~IIW).
TU HAVE "NU TO HOLl) Ill~ ~oI11IC ul\l..' ,IlJ ill..: f1l'l'rr.r u~' antJ \,)cRl.:nl ",r ~tU"'''I~\'t.:, IIi ~~h~(hllr'S .:111 :1\\I~n" (,,'fll\rl
\\'HI!R[!\l!1t ij,,:l.IlIcr':IIlI\\" \11.1....1.1111.... 1\I.tnl~' Ioh..lIl1H,hldlllhc 11:1111111111: AIll.!. II(l.I(' ar,.lltll: 1I\'llltf ~"'ml':l /lhall illdlllh.. Ih,,'III:1'\'ld.lle
Im~ lemlnlnr IlnJ 1111: )lnKul., hHIM dllllllll"lutJ: llllt plurul "II!.! .lIlhl \l/v,"IHltll~. 111111 ,,':'ICC:I'\(IIH..,1' (jl.lllhl, ~h"lI \',u\llll '.1 ,II.~I bllhJ hi~ Ih.It..
tJ..."c.:l'\. IUl,~'\'"1 \ AU.J ~'\l~'I'1.
M(}RT(',AOOIt hll:'Ll', lunller ..U"IOII.,II' oI11J ij~'''''''' \\1111 Ihc ~hmCil~"'~. I\~ 'lIL".......III.~ illlJ ~1\...I~~n', 1,1.\ 1',,11,01\,;
l'1ntl Th..l nU1Illnv h..-rl;tll "IIlllllllh.!.! ,\h.1l ~c ;IJn'"WJ II,) l1elo:n~II,II~ uhll..IlI.' Ill.: MUI1I:.~.~""1 hI 110:11.(' I.lilll' .111l.! .1\J\'fHUr\ It, tilt: \hlrIPtl"
oInJ Ihll Iho \111" PU'PlJ\C 011111, IIllJrl~oIIJ~ L~ ll' I"t'\ llJ.:. .:\,II.1h:1a1 \l:I,"JIII~ 11\1 IUli\Clllly ~"I\linr iIlJ.t'lr:Jm'!\, .Im! hlr hl;lll\ .UltJ .IJ\ :lIh',"
1"1 Mtl"8.l_ec In''~ \lIo:,,'llll<.:f nl.I~~ 111111' f\lvnWoIlt'H I lllYl It,c vhlllLl'III.:'lI. ur I.h'~ It.c,rill. '" Ilia: MoJn~wtt':t: In 1n:I~t ,lny fUlIll\' It.:ln.. '1' ..II'
\..ne.. 10 \)11 ~h.HlI,J;'J' I' 111,1 ...\JIII:unc.J hl,I.:\n, ~'u\ r;llhCI I) ~el (~\rlll III Ihe lli'/hH ,) III u'iler ItJJn tJ~I":Ull'\c:r,I' l.: .IU':lI~'ll1' ~hln~.I~'~I'" In.
Jehle.ln... 'v the Mont'l"
~CCU"dl Th.1 he ....~rrillm ~\;ncluUy tile prl.lrl;rl~ I:~...:h~ ..nn..'>'IIJ; lllUl illl is ~qlr,c.t.llll\jl'f:"( in tc.:r: ..illll,k :\lIJ n,l\ .1 rllilll 10 \(JIh':~'
,.un', lhl\l hli II., .JOM no ...;1 It:. rl1,:ulllbcI Il'lC u"'~; 11"llllt Will ,'.C'':lIt.: )ul.ll runh,r 'l,,",uIAn~e~ III('r('l,\I J~ lUll)' l.:r rr~wl~llf; und 1tl.I hC'
y,.1I IUI In. fllll....'nh 1.)' Ill, IN;\l'" U':Uh:l.I hcreL') ~vlcl: I'M the p1.lrpCt,=" ':tt (",rln In hit :rpll....ul'r.'n'q fr.'1 UI'I luAne,),
Third. TllJl .hIHtlc.llt'lllllltl 10 'Ill h"d'~ l,'t.!l'\l:') c..s ~'I\.'plln}' b~ '\Ioqulrc1.J lly iUl) r.M~"". r,\IIIl.:r~hIP 0' ~vqh,:rntl,'n. Illh.:r th:\n thC' !\hJfl.
IJluf. ll) \lllunllt" ~If IIIH'hlnt.I'~ l/.fJUll,lt ,u'ltnnltlll, or I" a"~ vlhtl j\lijRl'=1 \\'lIh13UI It'll' ~.h'Hsall-(~" ..flu':n ....on'cnt. ')f ~h-':'L1!t1lht: "011\11
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u.JrtllclSnf~ '.lull .It tll.. iJ~\lI..'u lJ( Itlc ~h.'n'JIWI:C hll1l'.:JI:llr;l~ N;ome .juc. .111d ('I\\In,s,
"llIolrlht 'fhJI hr \\II! r:l> '.'1 ".U)l,' hI be' llolllt \Ioh~l". JIIC ~lIl1nJt't'Il:&J"I.) ~,.:...r~J hl":rt.:l'~'. ;,11,1 on)' 1t\1\:1l~,i....tl1. lI:nl:" ,\1', rd.notn\:w;',.
IIhh\"""OIIlI"' .11 'I"llllO'lI/tl11l ',l~ lhl:r....II~, IIlt':lllcr \\ ,111.\1: IIII"Ctt 1;'~I""Olj. :1I1J ~ll JlI:tr ~\Hll1. In.:tuJIII~ t,ut r,pl lilll\ld \('1 Jn~ ~"tl\Q~ n'rtll
~r .111 C,IUllIl vf CUHEEI'.LbJI'D
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SCHEDULE "A"
ALL that cetain farm situate in Southampton Township,
cumberland County, Pennsylvania, bounded and described as
fol.lows t
BEGINllING at a stone in the road l'.ading from Leesburg to
the Turnpike; thence with said road and land now or formerly of
Carrie B. Railing, et al, North 42 degrees lIest, 40.5 perchell to
a stake in the road; thence with said land, south 41 degrees
West, 107.3 perches to a stone; thence by land now or formerly of
Ed\~ard Highlands and C. Long, South 32 degrees East, 107.7
perches to a post; thence by land now or formerly of Harry
Bughman's Heirs, North 42 degrees East, 160.9 perches to a post;
thence by land now or formerly of carrie B. Railing, et al, North
51.25 degrees West, 61.9 per.ches to a stone; thence by the same,
South 43.5 degrees West, 34.05 perches to the place of BEGINNING.
BErNG a portion of the real estate whi~h Larry Holtry and
Veda J. Holtry by their deed dated December 18, 1909, and
recorded in the Office of the Recorder of Deeds in and for
Cumberland County, Pennsylvania in Deed Book "I", Volume 34, at
Page 646, conveyed to Kevin P. Kendig and Nancy E. Kendig, his
wife, Mortgagors herein.
SCHEDULE "c"
IT IS UNDERSTOOD AND AG?,EED that a default under the terms
of either of this present mortgage or those of a mortgage of even
date herewith from the Mortgagors herein to che Mortgagee herein
in the principal amount of $110,000.00 shall constitute a default
under the terms of both.
"Borrower further agrees that the loan~ secured ~y this
instrument will be in default should any loan proceeds be used
for a purpose that will contribute to exceszive erosion of highly
erodible land or to the conversion cf wetlands to produce an
agricultural commodity, as further e~plained in 7 CFR Part 1940,
Subpart G, Exhibit "M".
.
or 1.1t chorge" ra>lJblc.: 11> hIm In QI;cllrLJam:1: o,;,lIh Ille IIHIII~ L)( 111I~ 1'''J1I~U~t: JIlJ IlIll nlJlln~) I\ccurciJ hcrt;hy, Qnd l)~ree~ ItJ po>' the ~Qld
tnlll.:bll:unl.lu ~lIhllUI UIIY 'ltl..,lf \~IIJlev~r; l.llll.J lhal ht; ht:lt;h~' C~I'I~,\,I) \\(II~'~!'I, hi Ihe Utl':lIl bcl (llnh Ifl IlIe Ilut~t~III."Ufl.:tJ hcr~br nnll,
lJIall)' event, to lIu,: clIh:nlu( the I'rnper1Y JCM:nhcIJ I1L'relll, 1111: hcm~ntllf ,III C\cllllllllln~, IHlIflt:bleuu tlr Illhcrwlbe, ulliJer Ihe 13\\'1 o( thh
I,.'r IIn\' uther II~te,
Flrih~ Thllt he hcrch>' u.~jwm ttJ the: MunVII&cc 0\ IlJJlttollull:llllatcrll1 ,,1\ rt1~lIhICb or IIlllcr lIIonll:5 due or In bCL'ome due (rom an)' sur(act
or ~ub5ur(4cc rl~lll ur fur 01'1>' rI~ht ur IHI't'lh:ye olhL:r lhull fLu ll~rll:uIIUtnllllJrl'l)'Cb 1/1 UI1)' wa)' IUfeclll1G or ~\ef1aIIlIIlG tn the propen)' hereby
cOII\Cycd Dnd ull InlJllIC5 \lollldl ITll.lY bct:urnc ~Ulf III uny c.nnLlcml1l1llllll rttl~'Cl:Jlng, orrcclIlIV Ihe IUU~ pteml.cb and 1111 ,unll received may
~c IIpplied. at thlt I)ptllJ/lll( Ihe ~1l)nHayce, to the Jlu:hiJq;e of lmy Jl~llllr ~lIll" the: illdcllleiJnuu hecure~ herc:hy, Yoh(llu:ror nOllhe u.IIle
b. dUD anJ pa~abl., or 01111, "pilon of Ih, Mon!"!", 10,11 'O"I! ",oy b, '<Iur",J 10 III< Moni,uor .nd Ih. MonG'lor ~III nol Uflnl ''')'
lurrace or lub.ur(uce r1~hu WIl'llJUI Ihe wrlHen CtlnbelH o( Ih~ ~ltJn~l1yr:c. WnhlJvl In un)' way Ilmhln. tha ~c:ncrlllll>' o( the (orc~olnl, Ihl:
ubtJ\'c mlfnli!jnc~ r1~ht' ulld pmile~e& with rCbpcr.t 10 y,llIeh bUIJ toyalllcA or lJllIcr 111lJIIICb orc: uuj~ncd III IIdiJitllJl1U! colhllenllhl1l1lncluJe,
but nut be Ilntilcd 10, /lurf,,(c IJr liub~urhll.:e I1Hnr:rlll Cl.lliCl1lcntl unJ prtJl1h, rI~hlblu u'~c II( air 'IHlee, lund \1~C rj~hu, amI a~rceMlcnu rt:5Iflcllns
po1nleular land U5eA, IIH:luuloG nonllarlC:I~lwrul U5e~,
SIJilht Thill, upon re4U'~llJ( lite Mon~o~ec, Ihr: MonIlU~\lr \lolll flJnll~lIltl lilt: ~llInpyce ollnuull)'. fur euch penon or enlil)' nbU~Qleu
10 repu)' the indeblec.Jllul\~ hL;cured herc\.)), wllhll1 mllL'IY dJ~'~ "ftcr the cnd ut" Iht: replmllll; i1bllSlJr'. nhc~1 ~cor. a ralance ~heel :15 or Ihe
end or such fhl:'l.lJ }'e:ar, !Jnt.! II pllllil anJ Illllb Mulell1Cnl I'm Ihe ~(:,u till'" L:lldllll!, In etll:h I;QM! III (orm nnrJ ~lJt'i~ti\lll'C JeCI,Tlahlc It' Iht Mon~r1~~'e:
and l,'cnltlcd I1S beinJl, !rue Jnll ~tlrreC:IIJI1lJ I,,:lHlIUlrIllltt /HI mutcll;jll1l1~Il'llIC~l:llhlllll/l~ IIr IJllIl~~htl1. lllh~' ptllll.:ll'ul aUWUI11 ll( Ih~ inua:t-h.'Jnl'~5
~ecured hr:reb)" i~ m C:.llt:C~1i 'I( ~IOtJJK.x.).U(). ur If Ihe \uILJC III dlC pCrlHlJllt:11l IIllflWVCIWtlll!lln IhLlI~lIId \\hll.:h >lre u'c..J (~lr lhe rruJucllun
..ndlm ~hlrlJ~( vf uljru,:uhurill prlJuUel1i 1\ Illllrt; IhiJll 2S "i. {Jf Ihe IUIJI \.dul: III IhLl L'IJII..IILlrill 'L:\:Urtlll.l ~udllIIJ.:bleJIIL:II', budl Ilnanl,,:llJl i"(l.lrmll-
tlon ,hull b.e.u rHIIVllh;d \/IlllltJlJt rC4UI:~1 b~ thr.: MltrlV,.~L:e. If ~1J..:h rillill\ClallllhUllHlIllJII hllllt furnl~lled 11" alhl\C ""4ulrell, nnlll'uch (nilur~
cunllnucs rur lhln)' ..Ju)'!I nlll:r \\tltlell nllUl:r: tit Ih~' MllMgaYllr u( "u..:h (,UhHC, lIucll (allure hhull conMllute nn e\'CI1II.)( JC(lIuh h~reundcr.
Snl:nlhl Th..ll he \~ illlmun: ,IInJ ~,LlCp lIl~urcLJ bullJII111!'i ..ImJ tllher InlptU\'CIlIl.;llI:. lhHV lIlIllr \lillkh nHI)' here::!"lcr be pl"L'.:J lll1 suIL, prcmise5
"l;lIlmt IUII\ or Jamu!;c hy 0/1..', II~hlnll1G, .:~plu~h'n, rlul. ulr(r3flatlJ ...ehlde t.!~IIlIil:;t.'. '1IIllI.C, ",'111111l1IJfII\ or hail In cOJ1\panlu~ and nnHlunu
IIIlllraCItJf')' 10 the t\hJn~uucc, ',':Iw.:h u/ntlUnlllr lII'Urillll.:e Cl)\Cr:J~e ~hilll in ,m}' c\!.!nl. at tlll.l IIIIIIIIIIUIII, equal cllher IlIe balance uf Ih~ In-
d-:blL:Jnl:Sb IIccurct.! hcreb~, Ille ill;lUull.:abh \ ,lhJC nr Ihe: \lrurcn~ III~I"CIJ lIr 11Il.' repl;Il':C:Illelll t..'lJ~1 'if the rtPr-:f'~ ill~UfCJ. Yo hl..:he\"cr b It~tl,
I( the propcr.~ l~ in II ~I)'wcrrullr:m manUilled lluud ar!.!a \\ h..:re rilllll'l!1illjllll In 1111: F..:Jcrill Fln\.l.J rrll~rlllll b rr.qulrcd. t-.hll"'~a~llr I1IUH IlIII,},n
Federal FhJl.'d Int~urum:e, An~' P91lCY eVIl.lcnL'ln~ ~u~h II15Ur;Wi:( ~hilJl be rJr.:pu~lIc:d \\1111 .lfl'J 11lliS Ihcrr:unJer I'J be pilY>1blc 10 the Mun~a~el:'
U! II~ itll~rr~l n13:. rJi'rcur, In the eVcnt oJ( hl~S ~hmyubtJr \\111 ~Ive 111l11lt:lHnte fllJlll,:e b)' 111:11110 the Mon~.I~':e, who may ma~e prolJr or
lun Ir nut nuue prlJlllptl~ hy :--'I,m~u!;ur, an~ eal:lI InS'.lr.:JIH':C ~'Jtllllilll) ,,:ulJ'~crncJ I~ h-.:rc:l'1)' .luthvrlze:J llr.u Jirl."t..'lcu I" ma~e ptl> menl (or
such loss to t.h~ ordt:r or Iht..' ~lungll~ce: or.l~, in~lcud o( to tr,c ~hm~3~ur ,IOu tllc MtlncuGec jointly. an~ the il1~'JriJllce rrcxter.1s, or 3n)'
run thcrc:cr, m.l:, l:c: Jrpl:(u ::,' Ihe !~lunrQ.~ce IU lh~ re.tor:Jtlon or repaIr 0f 111>: JJma~(t.! pl)pcn~ llr rJt the opor.)I\ o( lll~ MonGllgee m3Y
be: applied I" the rcu:lclllll! c:' Ihe lIl.J:.:bh:Jncu ~el:urcl! hercl'y I( ~hmva~r:c clc,;u III uppl) 5uL:h prol'ceth In ~aid indebtc:dnen, !\ton~a~te
,hJIl hQ\ e (1.)1: Jis;rC'tIl1n a' It", th..: Illallr.er III which lh,= arplt':.:.tIO:l o( ~ulh pll1cr:eli~ I~ diunnl:h:d among prlnclp:1.!, tntcrl:H, ~h:1r~e:~. ro:n311lt5.
e.\pens'=5 anJ ':Olits, ct(,;, (Ol:-,pmlnt: Ihe IOJcl.:ledneu ~er.urcd r.-:l~by, Inthc ,=\'enl 1)( (orcdosure IJr thl~ 1l\l.H1~;!t': or tile traraier o( mlc 10
Ihe n1l.)n~;t~e' prur':n> in c\tngul~hlllclIl ur Ihe Hldcbtct.!n':5~ I-:C'..If(U hr:ICb~, all n~ht, IHle :JIlU illlCre5\ oltile ;'Ilcn~.J~l,Jr In and 10 an)' In-
~ur:tnCt pOIi~'IC5 Ihen In (urce ~hall pllS:' 10 the l'urch,J$cr IJr ~rJr.le:e,
EI~hth: ihai he wiil p:)~ '.\hcn \lu.: allla\clI.lil.:n:., .Iudclne:1',1l.1r ,U~emtl':nl~ h~'IL'hJrt\re <lr It::r::Jll..:r lev!.:,!' :l'~:s~'.'J or cor,Hilullr.S Urns
upon tht: pr('r:rl~ hL'rt.'h~ I.(ltl~'(~d; iJld In tll~ c\"cn!. ~,ILlnfJ~()r f,Jil~ In p,l~ Ihc ~al11e \\hell due llr failb 10 11I:t1n:J,Ir. I~~urar.l:e J~ h':rttn
prO\It.!etJ, Ihr. ~hlnsuliec In")' nIJ~C budl paynH:nt IIr pru~ ld~ )Udl Il1\UraIlCC <JnJ iJJllUUlllS pJlJ therdur ~hall ~~'\llll"- :J pan (l( th.: inuct'iteJr:en
I:cured her~b~ un t b<:ur irlere~,1 ell lhe bdllll~ r:lIe Ihen III drect (rlll1l lht' u<Jle o( P;j~ lIIen!.
Nlnlh: Thai ntllw1th~tuIIJlng llny ul" Ihe pnl\"l\iun:. IIf lill' n\llngtl~e (ur 1':I~IllCIII of In\UrUnCl; prclt1iul1I~, 1:!\Cl. anJ a~~':~1t1ll1:1Il5, lh~
~,lon~aGce 1:1:.1:, at h~ UplllJlI '':L~Jire lll~' !"fIlIC h' he: raH.! III Ill\" ~'lIfl~:Jgc~ In 1n:,liJllllh.'IIl~, Th,ll Urlll\ ~\':rcl~~ ,I( ~:.nJ Ilrll.\t~ h~ \\'rltt~'n lHHkc
frlillllhe ~t,,~~,'~CL: hy Il/dlr.ilr~ mud. Utll.llll ilJdllllln hi ltI~l:llllllCIlI p;I~lllC:H~ ,m Ihl: llhktlll.:dlle~~ ~CI.'urC'J h':rl.'h~, ~h'r\:';:lr\'r ~h;lll r;I~. hI
the 'hlnllu~';~ unlil "alt! llliJd,h.:JnC~'l ,\ full~ pJld, Ill~I..llillcm~ Ilr lil\il~ .lUd ~fll.'L'l,d ,1.'~I.'~.\lllCIIl\ k\'I.:J Ilr III hI,' k\ I..-J ,ll:,IIlI,'llhl' rr~lIml.'~
t:li\len::d ll~ II:!, nIOn!;:JYC, ,lilt! ill\:alllllenl!'llll' llie prClIllUHlI\r prcllllulm IIlal ,q\l llCt"ltJll~ uu~. :I/1J r,I~"lblc III rCI1":',\ '\I~l1l11~ur:ln'..t' on IlIe
prerr.hcll L'll~.:rcLlIIl:r&.:h)' ,1~UIIl~tlo'l~ II)' nrl; 'If lllhcr hU/llfl.h, ~a\U,jllle~ UIIU l.'tl:nlll~I.'II~'I':~ J~ Illa~ be reu'\'l',~hl~ rl."IUlrio'J h~ till.' ~hl"~:Igl'C
III Ulllountb, lur p'.:nllJ~, uuJ .11 ,II.LrlUr,IUY Ilr 1.\lllljlJlIlC:I ....<J"~'I,I~llIr~ tlllll..: t.lllrl ~:lgl'l:. Thc'l": 1I1~lllllill~'llh .\h,.lI b.... .:qu;d h' l'.\IlIlIUh.'J prCllIlum
Ilr prcnllUlll~ lur ~Ul,;1I In\Ur;IllI.r.:, Ul~I:\ al\d J~\e~~lllenl:. m:XI Juc tu' c~lIIl1ah':U h~ Ih~ ,""llllll~I:Cllc~~ 11l.,IJlllIll'nI) Jlrl,'aJ~ palJ Iher~fllr,
l,hvidelllJ~' th~ nUlllbcr \11' ilhlollllllcliI pUYlll&.:lll~ l'>'hclhl.:r annuill. ~'':1l1l<J1l1llJ<J1. \juallclIy \Ir IIlVmhl)'llllal Mt I"" hl',:1I111~ uue unth~ inJdlll'uncu
~ecur(':tJ her'''~' bcr~n~ Qnc n1lllllh prlllr If) lh~ J:.tl: \~l1cn ~uL'h ~Hl:llIll..m lIT }.lrCllliuOl~ Jnu la:;c~ illllJ J~~c~)mcnt~ \\111 reOllll.' t.!elll1L.1ucnl. The
Munllllllce ~hall huhJ such 1II~lallll.entl; in Itu\1 w ra)' lilt' prcllllum or rrcllllllllI~ :.and lJ \l;~ ~lll a55c\~mClm bzfur~ {l1e 5JI1U: b~''':ollle dellnl.!uent.
Tenlh: Tl:at he: will l1.r.:ep un Inlpr~l\'tlllcnt~ now or h..:reaflc;, 1l.:l:;llcd tin Ihe preml~c:- Ir. l;WU repair; 111:Jl 11'+ \\ i1111l;llnlJIIl :.IntJ wor~ ~ll:
rremi!lts hereh~ (\Invcyed In :I S\)ul! anu hu~banullkc n1:lIlner; Ih:1I he will ':ulIIlIllt nl.1 w.ule anu Ihal he' will 111)1 ':Ul or r:nhl\'t l1r rem1lr
10 be ClJt or removed iJrlY ....'t'tlU 01' tillll'cr (rum ~alu prenll~e5 ~'"e~1 (vr d\!IlICIIIIl..' u~c VollhulIl the \\'tllten C'JI1~~nl of lh~ MtJnQ:1Gee and Ih~
~tonGuGce: sh;dl hit\ e the rig III by inJullctltlll or ulhurwlllc tu pre\cnt lhe (Utllll!; tit relllu~'n1 (If an)' \\'ooJ or llllll'::r (rum SUIU premisu
Irrespective llf whether ur nlllllle bu.larlcc Ilr Ihe 5ecurlty ill Jmple It! prull'l:l Ull: Mllnua~'..'c.
EluvclIlh: TIua hl..' hercby Il'prC5-:nt5 I1nd W:mallf5lu I\hlrl~al'(:l:' illat UICfe: ;lrc no lI1>.:tcIHlh thereinarter t:llllL:~'!I\'el~ C::llled ":jJ"'ICCI:1J ~IJlcriJI~ ")
present I)' !o':Jled on or IIcar the prcnlilles ~ 1111. h, unuer rcdcriJl, ~tJle, tlr IlKaIIJw. stiHIJte. tlfuinunec, rl.',UIJlltln Ilr ~uniJurd, or JJnlinlMr3ti\"e
or coun oruer l,lr de..:rce or rnvIl1e agu:ellll.:1l1 \h~reinu(ler l.:t1lkCllvcly etllkd "EII\jlunm':IIIJI RC4uirelllcllls"), H'4UIte: ~peel31 h3nJllna in
U5e. P.ellerallon, Coll~clllln, 5tura~e:, Irc<JU\lI.:nt, or JI~poSlJl. or ;~YIllCIIl o( ';tJ~ts o.l~"ot:iuleu \~ 1(11 reSp\lIlJln~ In the I,l\\rullllrccllve~ or JOY
l'oun or ulicr.cy o( ..:urnpr:tenl )LJmJII."IIUII ur lur ~imilur ~;~,"oml": !1m. Sudl SpC;"lill M:JII:rI;lb lIlcluJt Il\ll~( lhal \,ltllale :lIIY nlluonnl or 10e~1
conn,neen...) plan IJr the rclc<J,e or thrcalened reletl'C Ilf \'.lll..:h III>IY \"101:11": llr ..:rC<JIl.; li..llIlu y under III.: Ern I f1111ll\l'1ll,1I Rl'4\1lfl.!llll:nu. Such
SpC'\"lul Millcn,lI, ai'll' 11Idlldc I ,II .l',hl."~lq~ III i11l) !LlrllI, t h, Ufl.'>i Illrlllilltkh~ .t~. 111:llIl "'\111;1111 ,", fl.1 p,lltll ~lllll.lltIIH~ 11',111. Ilr ILlI tr;lI\'llln'\~'1 \
iH uther equlpml:lll \A.llll.h 1.11l1\,JI,IIIIl.:Il!~1f I~' lhlld I.tlIllJllllll~ plll~ddlllll1,lh.:d lllplll'll~ I, j~1I11111l11111~' Idl.'l Il'Ll III .l~ . 'I'l. '\,," l. Mt'II~:I~ur IUllhL'r
rCrrc~l;III~ am.! \lol.lrrunt~ 10 Mqn~.I~"'c lhal IIn: 'lrt.:llll:-I.'~ ilrc tlut 1ll1\V lJl.:lIll! u~cJ 1\11r llan: they CH'r llcl.'lI U"'l.J 1I1 till' 1':1\1 ("r Ihe a~'Il~'itie!\
In'.luJItll; Ihc 'J\C. ~~ellcrUlllln. u dh.:L'lIt Ill, ~tllr,I~I.;, 1/callllCIII, llr L11~I"i'I\Olllll .1I'Y "l'n':I,.1 M,lI('rl,II\, Hllll illl',lfIU:lllar, \\ 111uluI Ihlllllll~ lilt' ~l'llrmltl~
"
lJr the (vresulnG. lhe pn:nllt-cf. :nc 11111 nll~ In:ll1!: U'\l.:~ "Ill hlJVC Illr)' e\'er bCl.'n UM.:J III tlll~ pa\l fllr a l.lfldlill. ~urf:H:c il1lpuunJmcnI or nlh~r
wretl. (Qr the tn:aUlIl,'nt, ..tor~yc Of JI'PIl!lul uf MlluJ ",ijhle nll~luJlItG '\lllid wu~IC ~u~h ilb ~luJucl. MUn~lJ~l)t ",Ill l1ul plil(,C or ptn1llt 10
be [llu",J un)' ~Udl Sptclul MUICflllh 1m nr II\:UI the rrCIIII\C5.. Ntllhlll!; hcrc.:1Il :./1.111 11..: IkclllcJ III prolllhn or rC~lrll:1 tile u'c. l;'lllh:cllnn. Jlnrapt,
Irl,'DlmCnl or I,U~pv5uJ In II IIIUnl11:1 'nl1\hlcnt wIth upnlh:ulllc I!nVlrtIIlIllCllhlll(ctjuiICIIlt:lHlI, IIf illf-CCIICldlZ.., hcrbkllha. t.)r lJlher puth:llJcl. fer.
Illite,.. 1.)1 I'Ic\tl1lc:unI rrcxJw:lllll1l:huJIIl!; ~1J~ilIIIIC. mlllur ruel. CrlJll~I.'lI"C uil. Ilcillll1t! lIll) IU JlJn Ilf Ute u~rtl'uhural UI,cralllllH IHI\\' or Ilc'l:nfl~'r
~'lJnduc;lI:iJ b) the: MlmguVllr un Lhc r"Cllu~ef. In II ~lItllJ amJ hl/hbJlllJII"e 'lHlIltlct. ~hll'~lI(:or runhcr rcrtr:~crllll UIlJ Watral1lli to MO"~I1'cC 1I1D'
there arc no \.locll5 ur bCplll: lunk:.IJr uther ullJer~tllulllJ ullll~b (\\hclhtlr l.'utrl'lIIl) In u~c III' UbJIIJIIIlL'd'IIl'pIJ~c;,l ~lIllhlo.' flrclIIl~1o.'1' ~er\'III~ IUI\' llth~r
ptlJpen)' Dnu thullhc:rc Ilrc no ,",,'ells or ~C;pllc; U1I1~. on olllcr prollcn) ~Cr\'HI~ thc prcr1ljtic~, Ir Ilt Im~' lime II l!i dcl..:mllrleu Ihullhcre urt SI~cll11
Mllleria15Ioc;ute&J on the I'rcml!C5 wlu(h undcr un)' ~11\'lrtll\lI1cntaJ HeqllircllIclII rClpme: f'ipCJ.'HlI h11J1JIIII!; In u"c, ~l!ncral\on. colltctilln. Iilnrngc.
I,.alme"l, or ~1,p","1. MOlluugor .hull, ",,,hill Ih11l11)Ol JUl" aft" lIuVllli "blll""~ ",luall:no",le~F' tl",cor, In,e or enu.. 10 b. Inho", AI
Munw.cur', boh: c~pcnhc, !lur.:h Jcth.mb 11.'1 ,"lJ~ he Ill!CC5sary to clImply wnll ull Erl\lrol1lllcntw RC'lUlrcrnenl~. Ir Mon~avor &haJl raIl In tlll<lc
luch Dellon, Mon~a~te m:l) mlJl,e ud\ JnCCIl or pa)'rncnls tuwlIrdft pl!rfalrnIJIIC~ IIr ~111l~fat:llun or the 5lune hut bhllll be ulIJer no obliGation 50
10 lIo: wnd 1,111 5Unl~ ~u all'''''llclo'd or PI,IIU, int.:luJjll~ 1,111 ~UIl1~ uJ\'lIlll.'cd IIr raiJ 10 cllllneclllm WIlh IIn) Judldw or aL!l11lIllMrOli\'c In\'cf.llilUion
or prm:ecJin~ rclilung IherCll'. lncludln~, WllhlJUllhnll.Qtltln tothc c:\I&:nl pernllllL'~J b>' appllctlblc: law. rea~llt1.1ble llltumcy', rces. nnn. or othc:r
rcnllh~' pll~mcnts, ,hall be IH l1nce rcpa~'Qbh: b\' t\ltJn~lIVllr u.nl.l all ftUI1l~ t\lJ 11l.h'unl.'cl.lur pall! 5huJI beClll1_le lJ IHln or Ihe il1l.Jeblrdneu lrt'urc1
hcrl!hv. t:atlule or MI/n~uyur 10 ctlmrly Wllh ...Ii l~rl\'lrnlllm:l1lal Hcqlllrr:I111:Ill~ ~hLllll.,'l\IIMlI\IlC and tie a Jc!:~uh undcr thi~ ,"u"GQ~e, ~hmp~Clr
hereb)' uGre&:ft In IIllJerMnlry und huld Mrmgll~l.'e h>ltlnlC:h' III the C).tCIlI I'l.'mllllctJ ~y ill'plklJl'lle: law fllr all Ill..... nllbllil~'. dmnn~e, eMI nnd c'.
ren~c~. lnc:ludin~ rea~un;.thlc: JllotnC)" ft:I;~. tllr hlilulc III IlIe pn:J1lI\ClI h11.,'11I1I1,1y In 1111 rCl'po.:l.'l\ \\1111 1111': UIl\'1rI111lllL'llIill Rct.llllrenllmt~ l" a
hrulJch by MlInUlJyur ur un)' rq:rc!\cntullon. wurranty nr illtrt!Clllcnt l1erclI1, 1'1 F. (OVEHANTS. AGF,EEMEt\TS. Rl!PHESESTATtONS.
\VARRANTI~S AND INIll(MNITlES Or- ~IOHTG,IG()I\ CONTAINED IN TillS PARAGRAPH SH,ILL Sl'IWIVE THE OCCl!RRE~CE
OF ANY EVENT WHATSOEVER, INCLUIlING nUT NOT LIMITeD '11), Till: PA YOI'r- OF TIlE NOTEIS! SFCUREll HERED\', THE
RELEASE OR FORECLOSl;RE OF THIS MORTGAGE. UI\ THE ACCEI'TANCE II\' THE MORTGAGEE OF A llEW IN LIEU OF
FORECLOSl'RE.
T\\clrlhr Thai he willl'ICmlilthc ~Illnijil~cc Ihnlll~h I" Jl,lIlltJrll\:J a~t:lll' In cnll'r upon Ihe r/llln~"q:eJ ptllr'CI1~' Jl nny n'D~(}nat'\lc IInlr (ur
Ihe purro!lc or lll'lpcr;llnlllhc prcflu!\c;.. antJ Ihe order, Clllll.lllltlll illlJ fepJlf III 1111': IlLlildll1l:'1, llllptll~Clllenl~ ,1lIJ IIlltcr ~'tfll.\ll;r:il h\Cl'lIcJ 1'lIlhc
prcml'le~ '1ccuretJ lll:rd'l)'
Thlrlcl.'nlh: ThoJl ir oJl all~' 111111; lht: Mllr1~tl~t:lo' ~hJlIlll~'llr 1.'11'" III lIl;d,1.: ,111\.1111..1.:' hn IIIL' IIlJillllo'IWII~'" Ilf l'fPl.....lh.lllllf Ih~' IlhJnll:I[:.l.'d I'r~'llliro.cl'
IIr Ihe hc.:n tlllh!.: ltI11nr:l:;c. 11/ Illl;ur C"pt:ll"l:~. H1dllJlllli- hUI lUll 1tllllh.:d hI :11I1111l'.'Y" f~'l''', b~ h.':1~llllllf J~'f/lull hn.'undl'r h~ Ihe ~hlnFn~(lr,
tit ..110111. in IlIC cu~~ or.. "llll'lIl\J1:11I1I1 hlan, InUI...: iu.J\'am.:e" III en,ll'lI.' l'lIl11pkllllll 'If 1110: Illlprll\l':llIelll\ fllr ~\ 1l1~1I11tl.' ~'I'Il~lrUl.'ltllll hl;1II \\U!\ Ilri~ul;Il.
I) mlluc, $ul.'h L:lIM~ nni.J JlJ\anI,C\ \hldl hC~'IlHle P:lrt Ill' lill: 111U...lul.'l.hle.... \c~urI.'J IIl.'reh~' :lnJ ~hJII h',: r;t~,ll\lc lill tJ':l1l:JnJ \lllh InlereM ill the
b:llin~ rille: then III (tfect Irlllll lht: U.lle III paynll.'lll.
FlluneclIllu 11tH, llpO:l tJ::fJuh. In :JtJuillun {1'1 an:-' mh'..:r r~ll1('l.h-:~ prtJ\'i~;cd l'Y lu\\', Ihe Mortgayc( :.h;.:Jl 11;1\1;' Ille n~hlll' 13he JX'ur~$il'n
or thl: pro"en) ab nUl he met.! hy IJ.... "n~ to nrl:rat:: ant.! n1;U1J~C Ilr lI.'a~c the :>:11ll1: illl.J the M(1np~cc n:a~ m.u.c :Jny rC:l~(1n:lblr 'lilt.! rtt'F'er
:lO\'MCC' for the op:r,:lllun. lIlamtenJIH,'e cud nmnn&l:flH:1ll of tllC I'rt.:I1I1'1e' :lIIU ilr.~' !'Iurm ~,O od\ ar,ceJ bhall neC'l'nlC ran or !.he irldchledncn
~ecurl;d herch~' Dlid be r:l~'Jhlc lI1\m.:Ji~lcl:- ',I,'lth lI\lt:rcM Jl l.h~ billillg ratt: then ill effect frum lhe tJJle or r3:;llIent.
riIlf~nlh: TII:.I: u~on J.:r.,n':!l 111 the pilymcn: \.If Ihe I.\"h~llc inue1:lcJne~s ~ecurc:d hcreb:" or un~ pm thereof, 11::1 Ihe same ~h~1 bC('l'}tlle due
ane p:1~':lbll!. or in Ihc Cl'cn! "r;.t breJ.:h o( allY llf lhe lenm. (0\'el\;1I11) IUd l.:olldl\lon~ u( lhis 111l'n~n~C or the 1l',)ICISI ~ecurctJ he re\:l)' , or in
Ihe e\cnl \he ~hJn~J~lJr ur UH) I't' lhem \1i:.J1 die. IW':llllll: ifl~l.lhl;r'l1. rile any PCIIlIUII unJer the ieceral OanhrJpt:y Code. m:J~e an ImlSMIt:nl
(or the hencl1l c>f "rc;Jilor~. or nlc a pcullon (or iln arrnnl!~mcnt \.I, Ilh Cr~dH()n. Ihe entire UldrbleJn:~~ ~eC'urt.:d l~y lhis In~r.pge 5huJl. :1 Lhe
u!-"uon ur Ihc \lcJrlg:lg',:c, heculI:e Irnt~lt'tJlOlcly due und pnycble \\llh InlerC,\1 thereon a: t~le blllln~ r~I.~' \b.:n In dr~CI antJ, In odJithm ICllJnr
n:med~ pruvided b~ :..", 1110: ~\tm~l:gl.:"" ilia:. Imlllul~ un uCllon hI flJrcl.:l11M: IhlS 1II11nga~e fllnl1" I'..~ :!:1J rrcw:l:utC Ill: ~lllll'~ It) ludGnlenl. rxeL'u.
linn und ~ill: fw Ihe I,"Clllet;uun Ilf Ihe Wh.111; allll1IJnl of Ihc IIlJt:b'cJII~'~\ alld II\\erC!'It rCI1l.lIall'.~ unrJ;.!. 1lI:1UJIllt! ..um~ JJ\ lin.-ell b~. Ihe "hln~a~~e
ror any uf the PUfllLl'ClI h....n:;nnl.JlItl' ~..:l lllnh. IlJ~elllCr \\ till 'tl~t\ II( 'u::h plll,,'e~'dm~~ imJ rCJMlnarlr: illlllmC'~'s (1,.'..:'~ a~ "...mllllltJ b~ :wrllcablt:
'lair i...\\ .A.1I crtlm In tbe ~J:J rrnl:ceJlIll;~. IIl~clh'r \\ltl1 ulI \IJY IIf or CWIllr1llltl rrul~1 C'~'l.:utl~ln tlnJ ::11 \:'\t~.tl'ltln~ IIf III\e fM I':iYI11~t1I \\ hkh
,"u~ hI: gl',cn ~~ any ...:1 IIr :ll..'I' nI J....l;tlll'l~ llLll\ In 1m..:, llr \\llIdl Il1U~ heriZ,dll!r b~ enuch:t.J. lire h\:'reby f'Ht:\Cr wi.ll\cd llllJ rclc3S\:'u.
Sl>.lcl.Inth: Thill wlll1llUt an":l.:\ln~ Ihl.: lIJUllllY uf II\!: \IUr1~:J~llr lit any 1I11ll.'r p.'P.l1I IC\~'~'pt tUl~ r.:r~I1111,.'\I'rc.~"I~ rdl'J~l'J in wrllln~l lClr r:i~.
mCnlLJ( Jn~ Ind'.;bluJl\e~~ ~....cur\:J lll!t~hy llr fllr p~rfllnllanl.:C l.J1 ,Iny 111l1l~au'Hl ":IHllalllcd hl.'rcl" all\J \~l\lhIUI il1f~.:tlll~ lilt' n~hl~ or the MlJn~a~~'r
wJ:h rC~l"Cl.:lltl lJn~ '1e:urll~ 11111 c~rr\:~\I~ rdt;:J\~d III wtlllng.. ;r!iU Wllh\:\JI ;lrll.'l.'lln~~ 1111: prhlnl~ III II,~' lI.:n lIt' 11:1:0. Ilhln~t1~e. thL' MI1np1='o'l'
mu). ill In)' IIntl.: "lid frllllllllll!.: IlllllllC. l.llllL.:f lldllrl' IIr :J I 110.'1 tll... "':Ilunl~ nl ~alJ IllJd.t~'Jtllo'...,. ,IIIJ \\Il!l\IUI Ihl\l.:..: III llr the cI\n~'...nlllf :ln~
r~n~' ht:rclllllr "n~' IIlher pan:," 1.11 rclc:l~c 11Il~ f'er\OII lluhle hlr P,lYllICUIUf all III any rJr. Ilr III..: inJd1lc-llh."!\ Ilr fllr I'l.'rf,'ru,~uIl.'c l,f :.n~ ~,~li~:J'
Imn: (bl rn:J~C: In)' i1~rct.:1l1clll n.:alll1lrll/.1II1l. t:.\ICl1LIIIl~ \.hl.: IlIlll' Ilr 1I11u.:r\\'lw UhL.'rul~ Illl' t....It\\ 1,1 ra~ rillo'lll IIi' ;dlllr ;Ill~ pan IIf tlh,' II1J.'lllL:Jn~'\;.
Ill" mllJllylll~ I" .....all.lll~ an~ llhll~allllll or 'UhIHIIIIl~llll1~. 1I\tIJitY'III~ III 1I111~'rWl~.' de"hll~ ~\lIh Ih... ll...n Ilf ..h,\r~'" h..rcl1(; (l.'ll'\cr.'hL' I.\r h'fr:lln
frllm Cxcrl..'IMnli IIr WUI\C any t1Vhl "'llnVilb!I...'I,' l\liI~ l1il\lC; IJl ;ll...~'1'1 ildtlulllllal ~t,'~.tllll~' ill .Hl~'l.inJ; 1.'IIl:h':;1,,'III ,llh.'r\\I~.~' d:a\ 'Hill ;lilY "II'pl'r.
I~. rcul or [>Cr'lllnu\' !ll.:l.:Urlny InuchleUIlI;~!\, lIu.;ludlH~ 11111" al1~ ['.In nllllL' pnlpm~ I:Itll",,'y'~'d ll\'r.'I'~ \~ltllll\1l ,1I"f\'.'lLlll! IhL' Ill'lI rril1t11)' UI \hlll
monw"~c on the remuinJ...r IIf lhc rrnr..;ny. fm the lull :1I1l11Ullllll uny lI\IJcbt\'l.llIe~s Ul1pJIJ.
Sevcnteenth: TIII~ Mon~.I~c 1\ ~uhJcl:I III Ih... ran II Cn:dll All tlf ILJ11. :1' illll":IIUl'lJ.:l!\ \\'1..'11 a~ llw P.'llll\\'hallln Or~'n.~nJ ~hmp~r ^'l.
lu:l No. I ~6 ue IIlYO. as lilmr: Iml\' be .u\lt:nJ'.:u frtlll1 1101t: II' IlIIle.
PRO\'IDED. HO\\'I::\'Elt Ihal if Milr1p~ur ~1:Jtl \'1;11 ilnJ Irul~ p.1Y llr I,'Jli~r: ILl hI,' p;JiJ all inJI:~I':L!n..:~t !'I~',:ur.:d hcrcr.~' :lnJ :111 inlcr\:'~1
Ihereon and nil othcr 'Ulll~ p:l~a(1I.' h~' 1\It1n::;l~llr. In lIt.'i..'llrLlance \\1111 tile lcrlll' of tlu~ llIun~a~( 3ntJ Ille rll'II..'I~l ~Cl'UrcJ hl:retly. :It Ihe times
an~t in !.he munnr:r as hercin ~'o'111Ut. ;JlId ,h;i1111Ih~'r\.l,b:: I'~rfllml illlthc Icrlll~, l"P\'Clllllll,' anJ C~.lIldlllllll." Ilf lhl~ nhln~agc ..IfIJ an)' lllhcr nbtiHa.
lillOlS) ~ct:urcd herehy, IhclIIlm ll\llll~a~C ~hall he \'n;d~ lllhcf'\\l\c. II 1\ III n:IIl:.l1O in full f,w;e ami efiecL
IN WITNESS WHC'REOF lhe MtJl1~;lgl.lr, illlcnJmb' 10 bc It:~JIly tlllUllt,L h3s bcteunlu set hiS hand 3"l~ ~cui lhe Ja) :IfIll >'e;Jr il(lIrc~:lid.
11'1\, 'ESS: / '1' '
__ . ,I ,
\ ~' --, -- ,----:;-, I' l', I' , ~ j" ;' /
. , >>-I' ''=-::;;,.. , ,.., ' .. ': ~ --" ISE,~LI
, ,\:.: (...- ~~....,.-- r~.~-,.\ -- ~~\'in,E'. "i~endir> I,:" ',/( (
.....; ~ _ ~ +'.. -"- .'--""-..;.., _ J 11./1"" ( "'" 1_ J (SEAL)
~ --- ::-::-,. Nancy Eo Fendig ,'/
(SEAL)
fSEAL)
COMMONWEAL.TH OF PENNSYL.VANIA.
COUNTY OF <"U~IBERlAND . III
On 1/111. !he 4th ~.y or JUI1B
Dalm M. Shoop, a notary pubJ..iille un~crlllncd omm, pcJlulllllly '~p0:4re~
,19 9ilbefor. me. .
Kevin P. I\ol.ndl.g & Nancy E. Kendi&
."
known to me (or .llilf.C1orily proyen) In be Ihe person(.) who.e nwnell):Il1are lublCrlbed 10 Ihe wllhln Inmumenl, DIld a,l<nowledacd Ihal
.. ,..._ .. _ r".. .....,. .,.r" ._~. (Q
IN WITNESS WHERE F. I hereMGltAMIA,l.,:pe,e.\,m,I.1 .e, . .',
OAW~I MIoAlc SHOOP. Notlry Public .' { . "\
My cumml"lon e'.pl"S: "h"',"W~'.Jrg, Cumullllrld Counly. PA \. at ~ II 7~l{( Ii c C~\!{JJ:J""J
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Tille of om...
1 hereby 'enlry Ihll Ih. pred" pla,e ur bUllne.. ur Ihe Mun~III.. wllhln lI.m.d II 3301 H\!s ~ I".rk\!t Str~<!t.
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York
Farm Credit, ACA
3301 Will MIIUI 81r1ll
VOlk, PA 1740HBOB
Telaphona: (717) 7Dz.2641
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
. YOU HAY BE ELIGIBLE FOR
F SOARD YOUR MORTGAGE PAYMENTS
August 23. 1995
CERTIFIED
Re: Account No, 024851-04
TO: Kevin p, Kendig
74 Kline Road
Shippensburg. Pa, 17257
FROM: York Farm Credit. ACA
3301 West Market Street
York, PA 17404
YOUR MORTGAGE IS IN SERIOUS DEFAULT because you have failed to pay promptly
real escate taxes and installments of principal and jnt~rest as required for a
period of at least 60 days, The total amount of the delinquency is $6.609,51,
That sum includes the following:
Real Estate Taxes S 2.543,00
Amount past due S 4,066.51
Total S 6,609,51
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT FORECLOSURE
on your mortgage if you comply with the provisions of the Homeowners' Emergency
Mortgage Ass i stance Act of 1983 (the "Act"). You may be e 11gi b 1 e for emergency
temporary assi stance if your defaul t has been caused by ci rcumstances beyond your
control, and if you meet the eligibility requirements of the Act as determined
by the Pennsylvania Housing Finance Agency, PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS.
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice, During that time you
have the right to arrange a "face-to. face" meeting with a representative of this
lender. or \>/ith a designated consumer credit counseling agency, The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle
your dalinquency, THAT MEETING MUST OCCUR IN THE NEXT THIRTY (30) DAYS,
If you attend a face-to-face meeting with this lender, or with a consumer
credit counseling agency identified in this notice, no further proceeding in
mortgage foreclosure may take place for thirty (30) days after the date of that
meeting,
The name. address and telephone number of our representative is:
Mr, Gregory 5, Cornwell. Executive ~oan Officer
York Farm Credit. ACA
3301 W, Market St,
York. PA 17404
Telephone (717) 792-2641
The name and address of a designated consumer credit counseling agency is:
Urban League of Metropolitan Harrisburg
28 N, 2nd St,
Harrisburg, Pa, 17101
It is only necessary to schedule one face-to-face meeting, You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face.to-face meeting, you have the r1ght to 2pply for financial assistance from
the Homeowners' Emergency Mortgage Assistance Fund. in order to do this. you
must fill out, sign and file completed Homeowner s Emergency Assistance
Application with the Pennsylvan1a Housing Finance Agency, The consumer credit
counseling agency will assist you in filllna out your application. IT MUST BE
FILED OR POSTMARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your appl1cation to the Pennsyl'lanla Housing Finance
Agency. or you must file it at the office of one of the designated consumer
credit counseling agencies listed above,
The Pennsylvania Housing Finance Agency is located a:: 2101 North Front
Street. P,O, Box 8029, Harrisburg, PA 17100, Telephone No, (717) 780-3600 or
1 (800) 342-2397 (toll free number),
An appllcatlon for asslstance may be obtained from this lender, from a
consumer credit counsel1ng agency, or directly from the Pennsylvania Housing
Finance Agency,
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU
00 NOT DO SO, OR IF YOU 00 NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY,
Available funds for emergency mortgage assistance are very limited, They
will be di sbursed by the Agency under the e 1 i gi blli ty cri teri a es,ab 1 i shed by t.he
Act, .
+
York
Farm Credit, ACA
1301 W.., Mark.1 51111I
YOlk, PA 1710HiOG
T.I'ohonl: (1111 192>2Gll
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
~~! ~~~ ~+i NOTtC~. YOU MAY BE ELIGIBLE FOR
F N A .SI NCE 0 ARD YOUR MORTGAGE PAYMENTS
August 23. 1995
CERTIFIED
Re: Account No, 024851-04
TO:
Nancy E, Kend i g
74 Kl i ne Road
Shippensburg, Pa, 17257
FROM: York Farm Credit, ACA
3301 West Market Street
York. PA 17l!04
YOUR MORTGAGE IS IN SERIOUS DEFAULT because you have failed to pay promptly
real estate taxes and installments of principal and interest as required for a
period of at least 60 days, The total amount of the delinquency is 56,609,51.
That sum includes the fOllowing:
Real Estate Taxes S 2,543,00
~mount past due ~ 4,066.51
Tota 1 S 6.609 51
YOU MAY BE ELIGIBLE FOR FINANC[~L ASSISTANCE THAT WILL PREVENT FORECLOSURE
on your mortgage if you comply with the provisions of the Homeowners' Emergency
Mortgage Assistance Act of 1963 (the "Act"), You may be eligiDle for emergency
temporary a$si stance if your default has been caused by ci rcumstances beyond your
control. and if you meet the eligibility requirements of the Act as dete'mlned
by the Pennsylvania HousIng F1nance Agency, PLEASE READ ALL OF THIS NOTICE,
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS.
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for th1rty (30) days from the date of this Notice, During tha~ time you
have the ri ght to arrange a "face. to- face" meeting wi th a representat lYe of thi s
1 ender, or with a desi gnated consumer credi t counse li ng agency, The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle
your delinquency, THAT MEETING MUST OCCUR IN THE NEXT THIRTY (30) DAYS,
If you attend a face-to-face meeting with this lender, or with a consumer
credit counseling agency identifled 1n this notice, no further proceeding in
mort~age foreclosure may take place for thlrty (30) days after the date of that
meetlng,
. ,
The name. address and telephone number of our representative is:
Mr, Gregory S. Cornwell. Executive Loan Officer
York Farm Credit. ACA
3301 W, Market St.
York. PA 17404
Telephone (717) 792-2641
The name and address of a des1gnated consumer credit counseling agency is:
Urban League of Metropolitan Harrisburg
2B N, 2nd St,
Harrisburg. Pa, 17101
It is only necessary to schedule one face-to-face meeting, You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting, you have the right to apply for f1nancial aSS1stance from
the Homeowner's' Emergency Mortgage Ass' stance Fund, In order to do th is. you
must fill out, sign and fi 1 e ccmp 1 eted Hcmeowner' s Emergency .A.ss i stance
Application w1th the Pennsylvania Housino Finance Agency, The consumer credit
counseling agency wi 11 assi st you in fl1T ing out your' appl ication, IT MUST BE
FILED OR POSTMARKED, WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your applicat10n to the Pennsylvania Housing Finance
Agency, or you must fi lei t at the off1 ce of one o~ the des ignated consumer
credit counseling agencies listed above,
The Pennsyl van; a Hous i ng Fi nance Agencli s located at: 2101 North Front
Street, p,O, Box 8029, Harrisburg, PA 1710w, Telephone No, (717) 780-3800 or
1 (800) 342-2397 (toll free number),
An application for assistance may be obtained from this lender. from a
consumer credlt counseling agency, or directly from the Pennsylvania Housing
Finance Agency,
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLIC.tl,TlON PROMPTLY, IF YOU
DO NOT 00 SO. OR IF YOU 00 NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY,
Available funds for emergency mortgaoe assistance are very limited, They
will be di sbursed by the .Agency under the eT igibi 11 ty cri teri a establ i shed by the
Act,
+
York
Farm Credit, ACA
3101 WUI MII"I 61'",
YOII. PA 17.01>l101
Tlllonon.: (717) 782>2Sl1
IM~ORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
T . YOU MAY BE ELIGIBLE FOR
L ARD YOUR MORTGAGE PAYMENTS
August 23, 1995
CERTIFIED
Re: Account No, 2617B6B-l
TO: Kevin p, Kendig
74 Kline Road
Shippensburg. Pa, 17257
FROM: York Farm Credit. ACA
3301 West Market Street
York. PA 17404
YOUR MORTG~GE IS IN SERIOUS DEFAULT because you have failed to pay promptly
real estate taxes and you have failed to make payments for a period of 60 days
on your commercial loan #248510 . 04, There is a cross default clause in that
mortgage which causes this mortoage to be in default also, The total amount of
the delinquency lS S2.543,QO, That sum includes the following:
Real Estate Taxes s 254300
Total s 2.543,00
YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE THAT WILL PREVENT FORECLOSURE
on your mortgage if you comply with the provisions of the Homeowners' Emergency
Mortgage Assis~ance Act of 1983 (the "Act"), You may be elIgible for emergency
temporary assistance if your default has been caused by circumstances beyond your
control, and if you meet the el1gibility requirements of the Act as determined
by the Pennsylvania Housing Finance Agency, PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS,
Under the Act, you are entitled to a temporary stay of foreclosure on your
mortgage for thirty (30) days from the date of this Notice, During that time you
have the right to arrange a "face-to-face" meeting with a representative of this
1 ender, or with a desi gnated consumer credi t counse li ng agency, The purpose of
that meeting is to attempt to work out a repayment plan. or to otherwise settle
your delinquency, THAT MEETING MUST OCCUR IN THE NEXT THIRTY (30) DAYS,
If you attend a face-to-face meetlng with this lender, or with a consumer
credi t counse 1 i ng agency i dent ifi ed 1 n thi s not i ce. no further proceedil1g in
mortgage foreclosure may take place for thirty (30) days after the date of that
meeting,
Th~ name. address and telephone number of our representative is:
Mr, Gregory S, Cornwell. Executive Loan Officer
York Farm Credit, ACA
3301 W, Market St,
York. PA 17404
Telephone (717) 792-2641
The name and address of a designated consumer credit counseling agency is:
Urban League of Metropolitan Harrisburg
28 N, 2nd St,
Harri sburg, Pa, 17101
It is only necessary to schedule one face-to-face meeting, You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting, you heve the r1ght to apply for f1nanc1al assistance from
the Homeowners' Emergency Mortgage Ass1stance Fund, ~n order to de this. you
must fill out, sign and file completed Homeowner s Emergency Assistance
Application with the Pennsylvania Housing Finance Agency, The consumer credit
counseling aoency will assist you in filling out your application, IT MUST BE
FILED OR POStMARKED. WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your application to the Pennsylvania Housing Finance
Agency. or you must f11 e it at the offi ce of one of the des i gneted consumer
credit counseling agencies llsted above,
The Pennsylvanla Housing Finance Agency is locat~d at:
Street. P,O, Box 8029, Harrisbllrg, PA 17105, Telephone No,
1 (800) 342-2397 (toll freE number),
An applicat10n for assistanCE may be obtained from this lender. from a
consumer credit counseling agency, or directly from the Pennsylvania Housing
Finance Agency,
2101 North Front
(717) 780-3800 or
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU
DO NOT DO SO. OR IF YOU 00 NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER, FORECL.OSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY,
Available funds for emergency mortgaoe assistance are very limited, They
will be disbursed by the Agency under the eTigibility criteria established by the
Act,
. .
+
York
Farm Credit, ACA
3301 Will M.rUI Slrlll
Vorl<, PA 1710HIOS
T.IIPllo",: ('117) 182,2611
IMPORTANT: NOTICE OF HOMEOWNERS'
EMERGENCY MORTGAGE ASSISTANCE ACT OF 1983
~S~ REA~ ~~NOIlCE. YOU MAY BE ELIGIBLE FOR
F NC AL A S a CEiQIIIARO YOUR MORTGAGE PAYMENTS
August 23, 1995
CERTl F I ED
Re: Account No, 2617868-1
TO:
Nancy E, Kendi g
74 Kline Road
Shippensburg, Pa, 17257
York Farm Credit. ACA
3301 West Market Street
York. PA 17404
FROM:
YOUR MORTGAGE IS iN SERiOUS DEFAULT because you have failed to pay promptly
real estate taxes and you have failed to make payments for a period of 60 days
on your commercial loan #248510 - 04, There is a cross default clause in that
mortgaoe which causes this morcgage to be in default also, The total amount of
the delinquenCY is 52,543,00, That sum includes the following:
Real Estate Taxes $ 2,54300
Tota 1 $ 2,543,00
YOU MAY BE ELiG1BLE FOR FiNANCIAL ASSISTANCE THAT WiLL PREVENT FORECLOSURE
on your mortgage if you comply with the provisions of the Homeowners' Emergency
Mortgage Assistance Act of 1983 (the "Act"), You may be eligible for emergency
temporary assi stance if your default has been caused by ci rcumstances beyond your
control. and if you meet the eligibility requirements of the Act as determined
by the Pennsylvania Housing Finance Agency, PLEASE READ ALL OF THIS NOTICE.
IT CONTAINS AN EXPLANATION OF YOUR RIGHTS.
Under the Act, you are entitled to a temporary stay of foreclosure on your
mort,gage for thirty (30) days from the date of this Notice, During that time you
have the right to arrange a "face-to-face" meeting vlith a representative of this
lender. or with a designated consumer credit counseling agency, The purpose of
that meeting is to attempt to work out a repayment plan, or to otherwise settle
your delinquency, THAT MEETING MUST OCCUR iN THE NEXT THiRTY (30) DAYS,
If you attend a face-to-face meeting with this lender, or with a consumer
credi t counsel i ng agency i dent ifi eel in th.1 s not i ce, no further proceedi ng in
mortgage forec 1 OSlJre may take place for thi rty (301 days a Her the date of that
meeting,
The name, address and telephone number of our representative is:
Mr. Gregory S, Cornwell, Executive Loan Officer
York Farm Credit. ACA
330l W. Market St,
York. PA 17404
Telephone (717) 792-2641
The name and address of a des i gnated consumer cr'edi t counsel i ng agency is:
UrDan League of Metropolitan Harrisburg
2B N, 2nd St,
Harri sburg. Pa, 17101
It is only necessary to schedule one face-to-face meeting, You should advise
this lender immediately of your intentions,
If you have tried and are unable to resolve this problem at or after your
face-to-face meeting. you have the right to apply for financial assistance from
the komeowners' Emergency Mortgage Assistance Fund, In order to do this. you
must fill out. sign and file completed Homeowner's Emergency Assistance
Application with the Pennsylvania Housing Finance Agency, The consumer credit
counseling agency will assist you in f1lling out your application, IT MUST BE
FILED OR POSTMARKED. WITHIN THIRTY (30) DAYS OF YOUR FACE-TO-FACE MEETING,
You must either mail your applicaticn to the Pennsylvania Housing Finance
Agency. or you mU$t file 1t at the office of one of the designated consumer
credit counseling agencies listed above,
The Pennsylvama Housing Finance Agency is located at: 2101 North Front
Street. P,O, Box B029, Harrisburg, PA 17105, Telephone No, (717) 780-3800 or
1 (BOO) 342-2397 (toll free number),
An app 1 i cat i on for ass i stance may be obta i ned from thi slender. from a
consumer credit counseling agency, or directly from the Pennsylvania Housing
Finance Agency,
IT IS EXTREMELY IMPORTANT THAT YOU FILE YOUR APPLICATION PROMPTLY, IF YOU
DO NOT DO SO. OR IF YOU DO NOT FOLLOW THE OTHER TIME PERIODS SET FORTH IN THIS
LETTER. FORECLOSURE MAY PROCEED AGAINST YOUR HOME IMMEDIATELY,
Available funds for emergency mortgage assistance are very limited. They
will be di sbursed by the Agency under the e 1 igi bili ty cri teri a establ i shed by the
Act.
.'
.
.
IT IS EXTREMELY IMPORTANT THAT YOUR APPLICATION IS ACCURATE AND COMPLETE IN
EVERY RESPECT. The counseling agency will help you fill out the application.
The Pennsylvania Housing Finance Agency has sixty (60) days to make a decision
aftllr it recei ves your appl i cation, Duri ng that addi t j ona 1 time. no fored osure
proceedings wi 11 be pursued against you if you have met the time requi rements set
forth above, You will be not ifi ed di rect ly by that Agency of its deci sian on
your application,
If you choose to exercise your rIghts described in this notice, we cannot
foreclose upon you during that time, Also. if you receive financial assistance
from the Pennsylvania Housing Finance Agency. your home cannot be foreclosed upon
while you are receiving that assistance,
Very truly yours.
By: York Far
By:
Loan
':
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA I
Plaintiff I
I
v. I
I
KEVIN P. KENDIG and I
NANCY E. KENDIG, husband and wife I
Defendants I
NO. 96-7229 CIVIL TERM
Civil Action - Law
NOTICE OF DEFAULT
Tal Kevin P. Kendig
74 Kline Road
Shippensburg, PA 17257
Datel
February 7, 1996
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAIJ.ED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT
YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY
BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR
OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE 'l'O A LAWYER AT ONCE.
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE, 4TH FLOOR
CARLISLE, FA 17013
(717) 240-6200
Date I
're~r_'--J / "7
I I J
/'t7U
/_.
') / I ) ( )
/t..'""-i...,.A-'- .J.~
Tim thy P, Ruth, Esquire
Attorney for 1aintiff
Supreme Court ID #26024
35 South Duke Street
P. O. BOK 5167
York, PA 17405-5167
(717) 846-9800
I HEREBY CERTIFY that I have mailed the wi thin Notice to the
Defendant at the above stated address by regular mail and by certified
mail, (P 621 726 473) return receipt requested, on February 7, 1996.
/
, )
/....~,~...
Tini&t'hy P. Ru~~f
.:. I ..
I C..........l---
Esquire
...
~
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YORK FARM CREDIT, ACA I
Plaintiff I
I
V. I
I
KEVIN P. KENDIG and I
NANCY E. KENDIG, husband and wife I
Defendants I
NO. 95-7229 CIVIL TERM
Civil Aotion - Law
~OT]'CE OF DEFAULT
TOI Nancy E. Kendig
74 Kline Road
Shippensbur9, PA 17257
Date:
February 7, 1996
Datel
lM.!?QI!'!'MlT NOT ICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT
YOUR DEFENSES OR OBJECTIONS TO TilE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMF.NT MAY
BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR
OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTIC~ TO A LAWYER AT ONCE.
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cl~BERLAND COUNTY COURT ADMINISTRATOR
CUMBERLAND COUNTY COURTHOUSE
ONE COURTHOUSE SQUARE, 4TH FLOOR
CARLISLE, PA 17013
( 717) 240-6200
/..e-J. (U "'/ l ('l 7 ~ _ ' ) J) I}~>(>
~'iRut~/ EsqUire
Attorney for eiaintiff
Supreme Court 10 #26024
35 South Duke Street
P. O. BOK 5167
York, PA 17405-5167
(717) 846-9800
I HEREBY CERTIFY that I have mailed the wi thin Notice to the
Defendant at the above stated address by regular mail and by certified
mail, (P 621 726 474) return receipt requested, on February 7, 1996.
-dO / --OJ ! /
-L-->,J )!
, I ~u_r-'... ~_.
Timo~hY P'I Rut~, Esquire
.
York ~'arm Credit ACA
vs
Kevin P. Kendig and Nancy E. Kendig
In the Court of Common Pleas of
cumberland County, Pennsylvania
Writ No. 95-7229
R. Thomas Kline, Sheriff, who being duly sworn according to law.
says this writ is returned STAYED. Letter is hereto attached from
Attorney Timothy Ruth
Sheriff'S CO$t8
Docketing
poundage
posting Bills
Advertising
Law Library
County
Mileage
Cert Mail
Levy
postpone Sale
surcharge
Law Journal
Patriot
Share of Bills
30.00
10.36
15.00
15.00
.50
1.OU
13.02
.62
15.00
25.00
6.00
207.50
157.75
32.79
$529.56 Pd. by Atty. 1-8-97
,.j)
~
~
lo.l
-..\)
Advance Costs
Sheriff Costs
Refund to Atty
$1,000.00
529.56
'$470-:4'4
THIS WRIT IS RETURNED STAVED 1-6-97
Sworn and subscribed to before me
,,/I- ~ 1
tl.lis , ~ day 0 '....7
r:- ,
(. 1"
___ ........ {. I )~ll.t-'t_ "-~~.:
. prothonotary
So ans~ ~
R.'t~as Kline~,"riff
1997
by G
ill ~~)l ,)J...~
Deputy S erJ.ff
\,~'\i
".
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
YO~K FARM CREDIT, ACA
plaintiff
NO. 95-7229 Civil Term
v.
KEVIN P. KENDIG and
NANCY E. KENDIG, husband and wife
Defendants
Civil Action - Law
_~OTICE OF SHER.TFF'S SALE OF I<E~r. PROPERTY
~\lMjT TO PENNSY'[NAlillLRll1J;; OF QYl1 PROCEDURE 3129
TO, Kevin P. Kendig
74 Kline Road
Shippensburg, PA
17257
TAKE NOTICE,
That the Sheriff's Sale of Real Prope~ty (real estate) will be
held on December 4, 1996, in the SHERIFF'S OFFICE, CUMBERLAND
COUNTY COURTHOUSE, One courthouse Square, second Floor,
Commissioners Hearing Room, Carlisle, PA 17013 at 10 100 A. M.
prevailing local time.
THE PROPERTY TO BE SOLD is delineated in detail in a legal
description mainly consisting of a statement of the measured
boundaries of the property, together wi,th a brief mention of the
buildings and any other major improvements erected on the land.
(See Description Attached) .
THE LOCATION of your property to be sold is:
74 Kline Road
Shippensburg, PA 17257
THE JUDGMENT under or pursuant to which your property is being
sold is docketed to,
YORK FARM CREDIT, ACA
V.
KEVIN P. KENDIG and
NANCY E. KENDIG
NO. 95-7229 Civil Term
In The Court of Common pleas of cumberland county, pennsylvania
1
THE NAME (S) OF THE OWNER (S) OR REPUTED OWNER (S) OF THIS
PROPERTY ISI
,
"
Kevin P. Kendig and Nancy E. Kendig
A SCHEDULE OF DISTRIBUTION/being a Hilt of the )jleraons, and
or governmental or corporate entitiea or agenciea being ent.itled to
receive part of the proceedQ of the Bale received and to be
disbursed by the Sheriff (for example to banks that hold mortgages
and municipalities that are owed taxea) / will be filed by the
Sheriff with~n thirty (30) days after the sale and distribution of
the proceeds of sale in accordance with thia schedule will/in
fact, be made unless someone objects by filing exceptions to it
within ten (10) days of the date it is filed. Information about
the Schedule of Distribution may be obtained from the Sheriff of
the Court of Common Pleas of Cumberland County, Pennsylvania,
Cumberland County Courthouse, One Courthouse Square, Carlisle,
Pennsylvania 17013 (717) 240-6390.
IliLS. fAPER IS A NOTICE OF THE TIME AND PLACE OF 'mE SALE 9l::
YOUR PROPERTX. It hall been issued becausl;! thet'e is a Judgment
against you, It may cause you!' property to be held, to be sold, or
taken to pay the Judgment. You may have legal rights to prevent
your property from being taken. A lawyer can advise you more
specifically of thelle rights, If you wish to exercise your rights,
you must act promptly.
1Ql! SHQl!I& laKE THIS PAPER TO YOUF LAWYER AT ONCE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN G~I
FREE .LEGAL ADVICE:
Lawyer Referral Service
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
THE LEGAL RIGHTS.:lQ!l MAY..IfAYllI
1. You may file a petition with the Court of Common Ple.. of
Cumberland County to open the jUdgment if you have a meritorious
defen.e against the person or company that has entered jUdgment
again.t you. You may alao file a petition with the same Court if
you are aware of a legal defect in the obligation or the procedure
used against you.
2. After the Sheriff'. Sale you may file a petition with the
Court of Common Pleas of Cumberland County to set aaide the .ale
for a gros.ly inadequate price or for other proper cause. This
petition must be filed before the Sheriff's Deed i. delivered.
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THE NAME (S) OF THE: OWNEr< (8) OH HEl'UTIW OWNER (S) OF 'I'HIS
PROPERTY ISI
Kevin P. Kendig and Nancy E. Kendig
A SCHEDULE OF DISTRIBUTION, being a list of the persons, and
or governmental or corporate entitiefJ or agencies being entitled to
receive part of the proceeds of the sale rer.:eived and to be
disbursed by the sherif f (for example to banks that hold mortgages
and municipalities that are owed taxen), will be fUed by the
Sheriff within thirty (30) days after the sale and distribution of
the proceeds of sall! in accordance with this schedule will, in
fact, be made unless someone objects by filing exceptions to it
within ten (10) days of the date it is filed, Information about
the schedule of Distribution may be obtained from the Sheriff of
t.he Court of Common Pleas of Cumberland County, Pennsylvania,
Cumberland County Courthouse, One Courthouse Square, Carlisle,
Pennsylvania 17013 (717) 240-6390.
THIS PAPER IS A NOTICE OF THE TIME AND PLACE OF THE SALE OF
YOUR PROPERTY. tt has been issued because there is a Judgment
against you. It may cause your property to be held, to be sold, or
taken to pay the Judgment. You may have legal rights to prevent
your property from being taken, A lawyer can advise you more
specifically of these rights. If you wish to exercise YOl,lr rights,
you ml,lst act promptl.y,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET
FREE LEGAL ADVICE:
Lawyer Referral Service
Court Administrator
Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
THE LEGAL RIGHTS YOU MAY HAVEl
1. You may file a petition with the Court of Common Pleas of
Cumberland County to open the judgment if you have a meritorious
defense again8t the per80n or company that has entered judgment
again8t you. You may 11.180 file a petition with the 8ame Court if
you are aware of a legal defect in the obligation or the procedure
u8ed against you.
2. After the Sheriff'e Sale you may file a petition with the
Court of Common PleaB of Cumberland County to Bet aBide the 8ale
for a groslJly inadequate price or for other proper caU8e. Thi8
petition mUBt be filed before the Sheriff'8 Deed i8 delivered.
2
.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, P&:NNSYINANIA
YORK FARM CREDIT, ACA NO. 95-7229 Civil Term
Plaintiff
v.
KEVIN P. KENDIG and
NANCY E. KENDIG, husband and wife
Defendants Civil Action - Law
AFFIDAVIT PURSUANT TO RULE 3129.1
TIMOTHY P. RUTH, Attorney for Plaintiff in the above action,
sets forth as of the date the Praecipe for the Writ of Execution
was filed to following information concerning the real property
located at 74 Kline Road, Shippensburg, Sou~.hamption TClwnship,
Cumberland County, Pennsylvania 17257,
l. Name and address of Owner(s) or Reputed Owner(s) .
~ Address (if address cannot be reasonably
ascertained, please so indicate)
Kevin P. Kendig 74 Kline Road
Shippensburg, PA 17257
Nancy E. Kendig 74 Kline Road
Shippensburg, PA 17257
2. Name and address of Defendant(s) in the Judgmentl
~ Addres~ (if address cannot be reasonably
ascertained, please so indicate)
Kevin P. Kendig
74 Kline Road
Shippensburg, PA
74 Kline Road
Shippensburg, PA
17257
Nancy E. Kendig
17257
3, Name and address of every judgment creditor whose judgment
is a record lien on the real property to be sold:
~
Address (if address cannot be reasonably
ascertained, please so indicate)
Commonwealth of PA
Department of Revenue
Office of Chief Counsel
10th Floor, Strawberry Square
Harrisburg, PA 17128-1100
1
WRIT OF EXECUTION end/or AnACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF __.clJMJ3JllilJiliJLu- ._._ COUNTY:
To IlIlIs'y the debt, Inlerest IInd cosls due .\,'.9!:~_.!:'_(!J:lH.c:.rg1JI:I tIC/I,
NO, . .~_~_:.7nL_-- CIVIL 19 --. -..
CIVIL ACTION - LAW
....--......-----...-----.-
_---------------.---'----- .___________ _ ........._______________.__ _ __ PLAINTlFF(SI
from Kevin 1'. and N_!I_I}E.Y.Y ._,)<...l!.I1-c!l9LJ~-.-KJ....l-t!.!lJI~-'--'---~}J~Een!3~j.':~~-~--J'.^ 17257.
---~_.--------_.--_.-._-_._--~-_._---_._,. _.-..__...__._--~.---_._._--.~-~,----~-..--------'
_____________._____________._____..__._____'_ DEFENDANT(S)
(1) You are directed 10 levy upon the property ot Ihe de'endllnt(s) and 10 sell__~e l:..!oa..:.- e a t~_:~____
located at 74 Kline Rd., Shippenaburg PA 17257. (See attached legal
---.-----.------
deacript ion. )
..---------------
(2) You lire also directed to attllch tho property 01 the delendanl(s) not levied upon In Ihe possession 01
._--~--,-~.---
----------------- ,..-----------.----
------
-~-----
______.____.__.______.______________________.__.________._____ GARNlsHEE(S) as follows:
--.-----.----.----.-
-.-------------
._-_...----~---_.---_.._---_._----------
and to nollly tha garnlshee(s) Ihllt: (a) an attachment has been Issued; (b) the garnlshee(s) IS/lire enjoined 'rom paying any
debt to or for the account 01 Ihe delendanl(s) Ilnd trom delivering any property of the delendant(s) or otherwise disposing
thereol;
(3) If property olthe delendanl(s) nollevlod upon an subjeclto Illlllchmenlls lound In the possession 01 anyone olher
than a namlld garnishee. you are directed 10 nollly hlrT1fher thaI he/she hila been added as a garnishee and Is onjolned as above
stated,
Amount Due $203, 119_~_____._______n___._
Interest from 12/17/95
.-_._~-------------~-_.-
L.L. ___.__.n___~_.________n___!._. 5 0__.______,___
Due Prothy $1.00
-~_.,-..----~----
Other Cosls
Atty'S Comm _______ % ----------
All Paid $109.52
y --------------.-.------
Plalnlllf PIlId
---,.----
by:
_ La~Fe~c~~_welker
Prolhonol y, ~r Division ,
~/H LJ
Deputy
Date: ~ber II L- 1996
REQUESTING PARTY:
Name __TimothY P. Ruth, Esquire
Address: 35 S. Duke~,
York Pili 17401
Atlorneylor: Plaint ff
Telephone: 717 846-9 00
Supreme Court IDNo, _ 26024
-'--