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York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
For Prothonotary Use Only:
DocketNo:
The information collected on this form is used solely for court administration purposes. This fonn does not
s11pnl ement or replace th e fll ing a nd service oj p Ieadi·nKS or other rap~rs as required by lawor ndes o_t court.
Commencement of Action:
Iii Complaint Cl Writ of Summons Cl• Petition
s• Cl Transfer from Another Jurisdiction Cl Declaration of Taking
E
Lead Plaintiff's Name: Lead Defendant's Name:
C• ACNB•BANK• NANCY•L.• KUHN,•A/KIA•NANCY•LEE•FODOR•
T
Dollar Amount Requested: Clwithin arbitration limits
I Are money damages requested? II Yes Cl• No (check one) Iii outside arbitration limits
0•
N Is this a Class Action Suit? t)Yes m:INo Is this an MDJ Appeal? Cl Yes ml• No
A Name of Plaintiffi/Appellent's Attorney: Sharon•E.• Myers,•Attorney•
Cl• Check here if you have no attorney (are a Self-Represented [Pro SeJ Litiaant)
Nature of the Case: Place an "Xn to the left ofthe ONE case category that most accurately descnoes your
PRIMARY CASE. If you are making more than one type•of claim, check the one that
you consider most important
TORT (do not inclwle Mass Tort) CONTRACT (do not inclw!e ./udg,nmts) CIVIL APPEALS
[] Intentional Cl Buyer Plaintiff Administrative Agencies
1:1 Malicious Prosecution Cl Debt Collection: Credit Card Cl Board of Assessment
Cl Motor Vehicle Cl Debt Collection: Other• I•
Cl Board of Elections
Cl•Nuisance
Cl Premises Liability
ElDept. of Transportation
s Cl Product Liability (does not include
D Employment Dispute:
Statutory Appeal: Other
-
mass tort)
E Cl Slander/Libel/ Defiunation Discrimination
C Cl Other: Cl Employment Dispute: Other• CJ Zoning Board
T Cl Other:
I Cl Other:
MASS TORT
0• CJ Asbestos
N Cl Tobacco
Cl Toxic Tort • DES
Cl Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS
Cl ToxicWaste Cl•Ejectment Cl Comm.on Law/Statutory Arbitration
Cl Other: Cl•Eminent Domain/Condemnation Cl Declaratory Judgment
B Cl•Ground Rent Mandamus
Cl Landlordffenant Dispute
Iii Mortgage Foreclosme: Residential
El•
Non-Domestic Relations
Restraining Order
PROFESSIONAL LIABLITY Cl Mortgage Foreclosure: Commercial Cl Quo Warran.to
[ ] •Dental• ti Partition Cl•Replevin
C] Legal C] Quiet Title Cl Other:
Cl Medical Cl Other:
Cl Other Professional:
Updated 111/2011
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
ACNBBANK, : IN THE COURT OF COMMON PLEAS
Plaintiff : OF YORK COUNTY, PENNSYLVANIA
v. CIVIL ACTION - LAW
NANCY L. KUHN, A/KIA
NANCY LEE FODOR,
Defendant Mortgage Foreclosure
NOTICE TO DEFEND
Pursuant to Pa.R.C.P. 1018.1
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after 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 any money claimed in the Complaint or for any other claim or
relief requested by the Plaintiff. YOU MAY LOSE MONEY OR RIGHTS IMPORTANT TO
YOU.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTII BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Lawyer Referral Service of
The York County Bar Association
(Attorney Connections)
York Count Bar Center
13 7 East Market Street
York, Pennsylvania 17401
Telephone No. (717) 854-8755
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
AVISO PARA DEFENDER
Conforme a Pa.R.C.P. 1018.1
USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas usted tienen que tomar acci6n dentro veinte (20)
Dias despucSs que esta Demanda y aviso es servido, con entrando por escrito una aparencia
personalmente o por Wl abogado y archivando por escrito con la Corte sus defenses o objeciones a las
demandas puestas en esta contra usted. Usted es adverti.do que si falla de hacerlo el caso puede
proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por
cualquier dinero reclamado en al• demanda o por cualquier otro reclamo o alivio solicitado por
Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO
TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FUAD AQuf
ABAJO. ESTA OFICINA PUEDE PROVEERE CON INF0RMACI6N DE COMO CONSEGUIR
UNABOGADO.
SI USETED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INF0RMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS
LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS.
SERVICIO DE REFERIDO A ABOGADO
COLEGIO DE ABOGADOS DEL CONDADO DE YORK
ABOGACfA DEL CONDADO DE YORK
CALLE MARKET #137 ESTE
YORK,PENNSYLVANIA 17401
TELEFONO: (717) 854-8755
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION
OBTAINED WILL BE USED FOR THAT PURPOSE.
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
ACNBBANK, : IN THE COURT OF COMMON PLEAS
Plaintiff : OF YORK COUNTY, PENNSYLVANIA
: CML ACTION - LAW
v.
NANCY L. KUHN, a/k/a
NANCY LEE FODOR,
Defendant : Mortgage Foreclosure
COMPLAINT IN MORTGAGE FORECLOSURE
AND NOW, TO WIT, this J3 rdday of June 2023 comes Plaintiff, ACNB Bank, by its
attorneys, CGA Law Firm, and files the within Complaint in Mortgage Foreclosure as follows:
1. The Plaintiff, ACNB Bank, is a Pennsylvania financial institution organized and
existing under the laws of the Commonwealth of Pennsylvania, having a mailing address of P. 0.
Box 3129, Gettysburg, Pennsylvania 17325.
2. The Defendant, Nancy L. Kuhn, a/k/a Nancy Lee Fodor, is an adult individual,
whose last known address is 1029 Keith Drive, Hanover, Pennsylvania 17331.
3. At all relevant times, the Defendant has been the real owner of two tracts of land
with buildings and other improvements, if any, thereon located at 1029 Keith Drive, Borough of
Hanover, Hanover, York County, Pennsylvania (the "Property"). The Property is more
specifically described hereafter.
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
4. On•or about November l, 2013, in consideration of a home equity line of credit,
made by Plaintiff to Defendant, which funds were received, the said Defendant, as Borrower,
executed and delivered to the Plaintiff, as Lender, a Home Equity Line of Credit Agreement and
Disclosure dated November 1, 2013, (the "Agreement"), with a credit line of$120,000.00 (the
"Principal"), and requiring the payment of interest on the credit line initially at the rate of
3.250% per annum for the first 12 months (the "Interest"). After the first 12 months, the Periodic
Rate and corresponding Annual Percentage Rate on the Agreement is based on an independent
index which is the highest base rate on corporate loans at large U.S. money center commercial
banks that the Wall Street Journal publishes as the Prime Rate. The interest rate is not less than
3.740% per annum. The draw period is 120 months, beginning November 6, 2013, followed by
a repayment period of 180 months. The Agreement has a maturity date of November 30, 2038.
A true and correct copy of the Agreement is attached hereto as Exhibit "A" and incorporated
herein.
5. The Agreement obligates the Defendant to pay to Plaintiff a monthly Minimum
Payment, equal to the amount of accrued Finance Charges ("First Payment Stream"). The First
Payment Stream will last for the first 120 Months. This Minimum Payment is the Regular
Payment, plus any amount past due and all other charges. An increase in the Annual•Percentage
Rate may increase the amount of the Regular Payment. The Minimum Payment during the First
Payment Stream will not reduce the Principal that is outstanding on the Credit Line, and the final
payment will be a single balloon payment.
2•
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
6. The payment to Plaintiff by Defendant of the Payments due under the Agreement
is secured by an Open - End Mortgage and Security Agreement on the Property dated
November 1, 2013, (the "Mortgage"), executed, conveyed and delivered by Defendant as
Grantor, to Plaintiff as Lender. A true and correct copy of the Mortgage is attached hereto as
Exhibit "B" and incorporated herein.
7. The Mortgage was duly recorded in the Office of the Recorder of Deeds in and
for York County, Pennsylvania, on November 21, 2013 in Record Book 2259, Page 8187.
8. The Defendant has failed to make Payments of $683.09 for January 30, 2023;
$761.51 for February 28 2023; $756.62 for March 30, 2023; $893.66 for April 30, 2023; and
$837.06 for May 30, 2023. The total of these Payments is $3,931.94. The Defendant owes late
fees in the amount of $180.00. The Defendant also owes 2022 real estate taxes in the amount of
$9,946.00. The taxes will continue to incur penalties. These items all constitute default under
the terms of the Mortgage.
9. The Property subject to the lien of the Mortgage is described as follows:
A. LAND:
See Exhibit "C", attached hereto and incorporated herein.
B. IMPROVEMENTS:
All buildings and improvements erected upon the Property.
C. FIXTURES:
All fixtures attached to the Property.
3
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
D. PROPERTY RIGHTS:
All hereditaments, appurtenances, reversions and
remainders, rents, issues and profits therefrom.
10. The terms of the Mortgage provide that upon the occurrence ofa default by
Defendant, the Plaintiff may accelerate and demand immediate payment of all sums secured by
the Mortgage.
11. The sums presently due and payable to Plaintiff by Defendant and secured by the
Mortgage are computed as follows:
A. Unpaid Principal $119,956.56
B. Unpaid Interest through 6/16/23 $ 5,109.62
C. Unpaid late fees through 6/16/23 $• 180.00
D. Attorney fees (estimated) ~ 5,000.00
TOTAL $130,246.18
12. The Combined Notice as required by 35 P.S. §1680.403c was sent to the
Defendant on March 31, 2023. The appropriate time period has elapsed since the Combined
Notice was served upon the Defendant. The Defendant has nevertheless failed to cure the said
defaults. A true•and correct copy of the Notice is attached hereto as Exhibit "D" and
incorporated herein.
13. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.
( 1977), Defendant may dispute the validity of the debt or any portion thereof. If Defendant does
4•
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain
and provide Defendant with written verification thereof; otherwise, the debt will be assumed to
be valid. Likewise, if requested within thirty•(30) days of receipt of this pleading, Counsel for
Plaintiff will send Defendant the name and address of the original creditor if different from
above.
WHEREFORE, Plaintiff demands judgment in the swn of$130,246.18, together with
costs and interest accruing at the rate under the Agreement, ($28. 72 per day), from the date
hereof, and demands foreclosure and judicial sale of the interests of the Defendant, in the
mortgaged Property.
CGALawFirm
By: 4• .4 =&•
t=)
Sha.Pbn E.1.-tyers, Esquire
PA 32111
135 North George Street
York, PA 17401
Telephone: (717) 848-4900
Facsimile: (717) 843-9039
smyers@cgalaw.com
s
DocuSlgn•Envelope•ID:•3CE214E&-5BF8-419A-A39D-EA7CD1798040• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
YQD'ICA"QON•
I hemby aflinn•that the following•facts me•com,ct. Tm•llttachecl CampJaint in M01'tp&a•
Foreclosure is•bued•upon•infimnedon which•ha•been ftmrilhcd•to counsel in the preparation of•
thi1•docmnait. The 1anguap atthe Complaint In•Mmtpac•Foreclosure is•that of coumel and
not•mine. I bave :read the Complaint m•
Mortaaae Foreclosure and to the axtc:at•that the~ i1
baled 1lpOD information•which•I have aiwn to•coumel, it ii true•and comet to the best of•m y•
knowledp,•information am•belief.• To the mmt 1hat tho contmt oftbe Complamt in Mortpp
Forecloaure is•dUlt•of•CCJUD1el, I bave relied•upon•coume1 in rnaldna this Verification. I hmebf•
acknowledge tbat the avmmentl of fact set forth•In•the iforeaaid Complamt iD•Mortpae
F ~ are made subject to the penalties•of 18 PL c.s.•4904 reJatfna•to UDIW01'Jl•
falsification to authorities.•
ACNBBANIC.•
Br:-s::a~~•
~-,,.u-·-9ay-1or
Assistant Vice President
Special•A1Nt1•
Dated: June• 23 ,• 2023•
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
CERTIFICATE OF COMPLIANCE
I certify that this filing complies with the provisions of the Case Records Public Access
Policy ofthe Unified Judicial System ofPennsylvania that require filing confidential information
and documents differently than non-confidential information and documents.
Date: Jl.llle 28, 2023
Sharon E. Myers, Esquire
PA 32111
135 North George Street
York, PA 17401
Telephone: (717) 848-4900
Facsimile: (717) 843-9039
smyers@cgalaw.com
( . York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
11111
Case Number: 2023-SU-001749
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ACNB•
BANK
HOME•EQUITY•LINE•OF•CREDIT•AGREEMENT•AND•DISCLOSURE•
Borrower: NAIICY L kUHN AKA NANCY LD•,ODOR ACNIII'*
10U•Hll'H•DRIVI• lllanh•Hlnower Oll1"
HA.NOVEii, PA 17131 11UnMIII,._.•
,01.1,u
CIIIIYQlq, PA 17111
CREDrr LIMff: t120,000,00 DATE• Of AGREEMENT:• Novamber•1,•2013•
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Cledll•A - - - . llglnnlne Oft 111a EttuUwo• OltburullllM Dall ot 1h11 AtNtm•nt. ¥911 ffll\l obltln•lllldlt adwlllll undlr your cr.dlt• Una 11
IDIDWII
CIHII Uno•CIINIII, w1111,., prap,fn&Dd• "Homo l!quhy Uni Of• Cl'ldll Ctllcll A-••
Clllok" \hat WI wll 1..,ilylD '°"'
·-rod•
Tei.- 111.-ei, lltq11111ll"1 I o1Ddlt ICMMa ffllffl•'IGllr• CNldlt Lint•1D bll lPPlltd•lD YDIII'•dllfalllled _ , . by lllaphOIII, 1-,it•1llt•
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1r81111Gllolll b y b fldlrtl EloD1ronlo F\lnd Trllll. . . Aol Ind unlllt lllllll'WIII 1gratd '" yaur dlpDlfl• DDIDUllt · • - n t . ,...
DDIIMwladao and VD!!•11r11 lhlt wa••• nat•aap1•, . , , _.•.,11y • fol'•1hl tuthlllllolly Df•....,._,•. .1nlOllclla•••
• thtl 11111 1llll nae lit 1111111
for•IIIIY IDII, PPIN., " _ , lllalllt•llllef _,....,.,. nttUNt, tllllil*11•anvtrNiant., 11WDu1horlDcl llflriliorw raq&ra11. wllan•Dtlflll•
llpDII - h inllruollolll hhwd IO Illa•l"IUfllD.•
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
HOME l!OUIT'.·:·JNE OF CREDIT AGREEMENT AA .DISCLOSURE•
Loan•No: CC111ntlnued) P•1• Z•
1111111119'1 In,.._• llaauadng I 111'11111 lllvltlOI In•Jl"'O" el If'¥ Of•- IIUfflOllad•loallonl.
D9lllt Clr1I A-.. IJaltla•¥QUI'• "Hom1 lqu1tv Uni of Cndlt A-••
c.n,• II ,n AutolMIN TnlnHClflln Macln l"ATM"I a, paint at ..11
11rmrn11• to wllhd,_•or tnnefw fundl• fNlm• vour or.clllng acaount or other aonNm,, _ , ac:aaunt In•11CCN1 0111111• 1vaU9bll ooleo•d•
illlen1111 In•1111 IOIIIMII.
1-lnac. A '*IUN\ 1MY lie llllde 1hrvUlh•11111 lnllmat.
If "''"" II fflOl"I• lfl•n•-
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Pll"IDII 1uthorud•to un•lhle• CNdlt
lorrvwar talllng III n111 eo gtva ldv..- to !hi
u..•Aacounc, '•
you• 1111"11 /IOI ID '"" UI•contllollng IIWlrUCII- luah •• -
~ , '" 1111 U.. of ChNll1. 'NII ,-,va 1ha rllhl•not• ta honar•Homa• Equity Lln1 af• Cnidlt Chia• AcN11 Checlal In• thl lallDwlng•
l1GU1Nt1no111 ·
CNdll Uni• VlalMlan. V- <:Ndll•Umk•lwl bHn or•Wlluld be__., by• ,a,tng thl Home Equity Lino•of•Q9dll C11111k ~ a.cti.
l'aol4alN Cheob. Yaur Mamo Equity Una of CNdlt Cllacll Acceu Cllei:11 II 11111Mlltld. If•,• paaNlffld Home IQUhy•Uni of C"dlt O.ak
~ed.........
A-•• Chlo• II paid 111111 • 1 n11ult•1r,y•olhar ahlak Ill mu1111d a,•not paid, - 1,e•nqt "'Pllnalbla. .
SIMn CIINla. Yaur Home• l4ully Uni ot Clwdlt•a.etc"- C11N111 , - . 111en ~ 1DM or 1111111.
Your Hatn1 lqi,ty LIM of•Cradlt Chlak A - C..ck II not IIIIWd 11¥ 1n •lluthorlzed lll!Nr" 11 dlllnld IMlow.
Tlfflllllllllail or Sullft1.tan. Your Credit u,.•1111 bl1n 11m1lnaled or 1uepandld • p,ewled In•, . •~,.• o r aoukl Ila•II - paid Iha•
HDIIII Elluky• IJlll af•Crldlt•Clllall•AoNII a.a._•
T,-IOIIDn Vlollaal,. Vaur Hama Equity Line•Of•Cnldl1 Chin•.--n ChllClt 1, 1u, thin 1119 mlM!lum - raqulrwd•11\1 thll Ag111m1n1•
or•vau •re In•vlolllllon at 1ny Olhlr•1r111111ctlon raqunman1 ar would•Ila•If•wa•paid 1111 Homa• Equity Lr.. of•c:r..i11• Chlo• Ao•••Ctlwll,
It WI 111'1 111\1 ~ Equity•Lina• llf•Credit Cheak ~ ChNli•11111111' ti.a•a.dtlonl,•¥1111 ffllllt t1p1y•ua, M1iNt•to applallalll "-'••tor•b
- - of•lha•Home•Equity Llnl of Cndt•CtllOk• Ac-• Chlall, Thi Hom, Eq'*t Uni or Qadlt•DIICk AaONI a,,ck ltMII wlft•Ill IWlllln••"'•
your debt ID UI IOQllhlr with•11111 Ag,-m.• Our ll1blllty, II any, far wlOngful•dllha"ar 111 1 lhlak t1 lmllld 111 \'Dia'•111t111I d,11111.-. Dllhonor
for•Ill\' IIIIOn II p,vvld,d 1n•11*•.....•,m,nt II nal WfO"llul dllhanor. w.•1111¥ ahaeN nai•to Nllltll Hon 1,qu1ty 1.1n1 ot c:r.ct11• Chacli•" -
a-Ila llane wlltl•wour•parlodla•..._•. . . _ . . ; •' -wr, ,our•UN of Heh•HDml•~ Uni af Olllt Chlalt•~ CIIIClk wll lie.....,•
on YIIUI'• PIIID* l1ltlmlllt n • ONdlt•. - . • W. do na1 "otnlfy" Hlllnl icpl\l Line ol Cl'ldlt Clllelt A - Chiou draw" on your 0.111
Line.•
LlmhalltM• 011 Ille U.. of Dellll• Cora. W. - 1111 ,W,C 11111 10 hanar H01M lquly UM of CNdlt• ~ Cll'III• In• Iha l8llowlng•
~
C!Mft•Ll'nlt Vlolltlon. You, Crwdlt•Limit 1111• b1tn 0,•WOYld be 1110NCMd•by•plq•t hl HOIIII•Equity Uni•at er.dlr AIHII C.rd •llh.•
lllllln Dlllll C... Your ti.- lkiultY•Unt•llf•o.cllt ~ Cll'III•h&VI 111111 raponld loll ar NIM.
UllllllhmlaH - . - . Y°" Hlm1 lqulry U• of•Cnidlt•Aa- Card la•not 1111d lly 111 "Authorlllll llfllnar" • defined•bllow,
Telfflll:ladtn or luap1111loll, Your Cl'ldll Un,•h••bt1n llfflllnllted or au1111ndld u pivvld1d In• thll A11-m1n1•or could bl It
,,.. Crllllt u.. _,...
ho'*9CI• w,
It - pay•111¥ . . . _ ,..,....d by UN of•"''•Ham, Eqyty Uni of•Crldlt Aaae• Card undlr lhlll aondlll11111, YoU• fflLIII 1"1111\1• UI,••"'!NI•II
--·•
1ppll11bll IIWI, ror• 11111 IIIIOilllt of 1111 .iv.nu. Thi ld1111no1 llltlf wlll• 1111 '"'*"°'•
of ,our•cllbl 111 111 10111/ler with• 1h11 At111,1111nr. Our
lllbllly, IJ•1ny, tar w,angful•clllh- of•1n ldvancl•II•lllnlNII•11• ¥QUI' ND111• dlmlgla.• DllhDtlar•faf•any - • jlllMled In•1h11•~ 11
flat wrm,gtul dletlanor, Y- - Of• lhl Hoffll Equl\l I.hi of• Crllll AMal Cini wll bl IIIIMWd on ,OU, parlodlc lltl'9ffllftC NI . . .
TnM1ollon•R11111lram11111, Thi•f11ll11wl11111 tnnNCrlan llmltldone wll ,ppr,, to. 1111 1.111 or vaur er.di!•Uni:
CNclt Uni Moa1 lcply U. of Ctecll CIIIIII ~ C11eo1. T....... "'-8lt, CMnhft. .,.._, In• ~ 11...-e 111d Da111t Cn
l.lmlla"-.• Thi•folloWlng trlfflllOdon lll'lllllldon1 wlll•apply to your Cnldll l.lnl 1nd 1111 wrlll"9 of•Ha- lca"lY•Un1 of Crwdll Cliecll AoN11
Chelkl, 1'9QUllllng Ill 1dYlno1 by IIIIIPhlllll.o wrlllng••• ollltk In•- • • at your• D11Nliln1 IIIOUnl bllln11, -•1111 11¥ lllhllr mlChade,
Alllllldnl•1111dw1na1 Ill ,-,.n and 1111111 1 delllt•Olrd•••
. . . . . ~ ...._..._ Thi minimum•- of any . , . . . . . _ 1hlt•oa1 bl midi on ,-ur Ooclll• U111 II U00.00. TNI
ma1111 111y Ham1 l!qwy•Llnl DI Credit Cheak A-11 Clieck muat be wtllten tar .i lint 1111 mlrllmum ld1111n11 11111111111.
Llmllalloll 1111 All " - - • DMlleN. You may not ua, 1ft¥ - dlvlot, w"'1tllt .._.... IIIDve•o,• ldded In• Iha• IWn, far•111¥ ..... or
~ 1-...loll. end• - me,• dNllr,e• to IUthGIIII• 111¥ ~ tfllS• WI ~ PC1N1• 911 undul• rllll Df• lllgllty llf unlawfuineN,
Nolwlllwt1ndlfll 1/11 flngoll'W, - 1111y oolllot•on •IIV d1b1 1rl1ill1 Ollt 1t•1ny 111111 or 11nl1wtul• w1,w1111Dn,
Alllhorllld• llfd••· Thll• _ . •"Aulhllrtqd•llgnar•• 11n -Hom, Eqww• Uni ar Credh Ct.ck• Ao-• ci-111 1nd Homa• ~ LIM•ot•Cflll/t•
. _ Corda 11 111111 In• 11111 ....,__ - ar,d• lnOludl•11111 1111N" whe• Ill 1911 thl•- - - IOt• ~ ~ Line, 1111 1911 11111
~ or• lllt•1111 ~ • ...,.,._ "'""1n IIIChorllMtoft•nnl for•thl Cllllt Un,~-·•
L•t•Harlll l5qully• LIM• at CNIIII• QINII•AlcNI Ch•. ...•Ind HMII•llllull¥• 1.1111 er•Cndll•
Clllllt ChlOk , . _ ~ b or Homa Equl1Y u.. of CIICllt AaOlu ~ • I f • -
A-••Clnll, II• you• 1111 your•Haml Equity Ll111 of•
II uelna tt.. wtnut '111111' ~ you .... to la
LIi•~ ll'lffl• dll I\,.• Thi•fNtllt WIY III l'llllfy LIi• II 11¥ . . . Ill It (717) IM-1111,• VOii an OM nDllfV•I.W• It ACNII•llnlt PO li!OIC• 11211,
Gotlyabu19, "" 17111.•
1.1111111\1 Per Urlllllhmllld 111,. Yau ffllY bl H1bl1 for 1111 -horllld 1111 of your • - • dlvlol whloh• IODI- your CNdlt•Uw, You wW nat
llo 111b1e for•Mrlllllflorlald•1111 lhlt - lflor you nollfy III or - ....... It ACNI 111*. North• Her-. Otllol.•11 LNlln ...._ l'O . _
i,n, Chttylburg, P'A 17SU, arally Ill' In•Wlillnl, of•thl 1111,. 1111ft, or po11llll unllltlllllllld u... In Ill\' 1111, your llllllllty 111, 11111lllhllracl
LIii ol VOW I C - • • • win• nol lllOeld HD.OD ar I l1111r lfflDUnt lllldlr 1111111111111 11111 IIW,
en - - nr11 whlClh• c11111t1 ohloldng 1101101111t • are• by this•reference•thereto• incorporated• herein
and• made•a•part•hereof.•
The Real Property or lta addraee II commonly known u 1028• 111TH DRIVE. HANOVER, PA•
17331,• Th••Rear Property parcel•ldentltloatlori•number•la 87-000-12-oo82..00.•
EXHIBIT
Book• 22!59• Pu1 8187•
I B•
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
Case Number: 2023-SU-001749
MORTGAGE•
Loan• No:• (ContinuedJ• Paga 2
REVOLVING LINE OF CREDIT. Thl1 Mortgage Houre1 the lnd1bt1dn111 lnoludlng, without llmltadon, 1 revoMng line of
oredlt. which oblgatu Lender 11D male• advancea to Granto,•unlela• Grantor falls• to comply• with• an the tafflll of•the
Credit Agreement. Such adv1nou may b• med1, repaid, and remed1 from• time ta time, 1ubJ1ct to 1he Imitation that
the tote! out.tending balance owing at eny one time, 1IOt lncludlng tlnanoa charges on such• balance et I ffud or
verllbJe rat• or 1um u provided In th1 Credit A9r1ament, any temporary overagu, other charge,, and eny emounta
expended or advena.d a, provided In• lltfllr 1fll lndlbtldllH8 paragraph or this paragraph, lhall•not ucaed th1 Credit
Limit••• provided In th•• C,.dlt Agreement. ft II the Intention of Grentor end Lender that• th11 Mortgeg1 11ouru th••
balano1 outatandlng under the Credit Agreement trom time to time from• q,o up to a,.•Credit Limit a• prov1c19c1 In• the
C,.cllt Agreement and any lntermldlate belanoe, plu1 lntere1t.
Granto, pt9Nntly utlgne to Linder all of Grentor'1 right.• title, end•intarllt In end•to all• pratent and futunt lHHI of the
Proparty and 111 Ranta from the Property. In addidon, Brantor r,ranta to Lend1r • Uniform Commerclal Coda MCUrlty
lntere1t In th••Pet1onal Property and Rlnta.
THIS MORTCIAOE. INCLUDING THE ASSIGNMENT OF• RENTI AND THE SECURITY• INTEREST IN THE RENT8 AND
PERSONAL• PROPERTY. 18• GIVEN TO•SECURE (A)• PAYMENT OF THE•INDEBTEDNESS•AND (BJ• PERFORMANCE• OF
EACH OF GRANTOR'S• AGR!EMl!NTS• AND• OBLIGATIONS• UNDER• THI CREDIT• AGREEMENT,• TH& RELATED•
DOCUMENTS, AND THIS MORTGAGE. THIS MORTOAOE 18 GIVEN AND ACCEPTED ON THE FOUOWINQ TERMI:
PAVMENT• AND• PERFORMANCE. EJcc1pt •• oth1rwi1e provldld In• thll Mortgage, Grantor• lhaU• pay to Linder all
1mount1·11cured by thla Mortgaga II th1y baoome due 1nd 1hall 1trfctly perform 111 of Granto,·, oblig1tlona under thl1
Mortgage.
POSSESSION AND• MAINTENANCE OF THE• PROPERTY. Grantor 1gra11 thlt Or1ntor'1 po11111lon and UII of tha•
Property 1hall be gov1rned by th• toUowlng provlaionl:
Po11N1lan end UH. Undl tha occurrenc1 ot 1n Evant of• D1f1ult, Grantor rNY 111 rem1ln In pouualon ind
i:ontrol of tha Property; (21• UM, operate or• manage the PrQJ*rty; ,ind (31• collect the R1nt1 from thl Prop1rty.
Duty to Maintain. Grtntor 1h1II melntaln tha• Property In good condition• and promptly perform d repair,,
repl1eemem1, Ind maintenance nec:11..ry to pr111rve lta v1IU1,
Compffance With•Envfronm1nta1 Lawa. Grentor rapraanta and warranta to LAnder that: 111 During•thl l)lrlod of
Grantor'• own1r1hlp of the Prop1rty, there haa bHn ,n o UH,•genaratlon, manuflctura, 1torar,1, tra1tm1nt. clllpo11I,
ralea.. or ttnai.nad raltlH of any Hutrdout Sublltance by any PIFton• on, under, about or from thl Property;
121 Grantor ha no knowledg1 of, or r111on to belleve that thtre hH been, ,xcept II prevloualy dllc1Dlld to and
1cknowledg1d by Linder In writing, (al any br11oh or vloletlon of any Enwonm9"tlt Llw1, lbl - , UH,
generation, m1nufactUnt, 1tora91, traatmant, dl1po11I, raleaae or thre1taned ralB11a of any Hazardou1 Bubltanoe
on, under, about or from the Prop1rty by• ,ny prior own1r1 or ocoupanta of thl Property, or (ol •nv aotuaJ or
thteattned Nt1911tk>n o,•olllma of any kind by any peraan ral1tlng to auoh m1tt1ra; •ncl• !3J EJcc1pt II pr1vlou1ly
dl1cla. .d to •nd•1cknowl1dg1d by•Lender In writing, (aJ n1lth1r Grantor nor any tentnt, cantractOr, 1f1nt o, other
authorlnd• UNr of the• Proplrty lheK ua,, generatl, m1nuf1ctunt, 1tora, treat, dl1poa of or rel1111 any Hmrdoua
Subatance on, under, 1bout or from the Property; ind (bl •nv auch activity 1h1H bl conducted In compllanol with
Ill 1pplcable flderal, 1t1tw, Ind local• law1, regul1tlont •nd• ordlnancl1, Including without Umlt1tlon ell
Envlronm1nt1I Lawe. Granter 1uthorlz11 Lend1r Ind lt1 1ganta to anter upon tha Proparty to m1kll 1uch
lnapectlona end• tnt9, at Grantor'• expenae, H Linder may deem• 1pproprlat1 to determine compH1nca of the
Propertv with thl1 HCtion of th•• Mortg1r,1. Any ln1pectlona ar tNta made by Llndar 1hall ba for Llnd11r'1
purpo. ., only.end 1h1U not be• conaul*f to c,•. .te • any rnponllbllltv or !!ability on the• pan of Lendar ta Orantor or
to eny other p1raon. The repre..nt1tlon1 and w1rr1ntf11 contained hllr1ln ara b111d on Or1ntor'1 due dlligance In
lnvNt1111t1ng th1 Proparty tor Hazardout Subltanca, Qrantor hereby 11•I• , .....• • and w1Jvu any fwn clalma
1galn1t Llnd1r tor lndemnltv or oontrlbutlon In the ,vent Gt1ntor b1com11 llabl, for cleanup or other coau under
1ny 1uch l1w1: 1nd 121 agree, to lndamnlfy, d1f9nd, and•hold harmlaN Lender ag1lnlt any Ind aH clalml, loaN1,
Habllltle1, d1mage1, panaltlll, and 1xpen111 which Lend1r m,y directly or lndtractly 1u1teln or 1ufflr reaulling from
a bra1ch of thl1 HCtlon of the Mo,tg1ge or •• 1 con1aqu1nc1 of any uae, generation, manuf1cture, ator1ge,
dlapoa1I, rallau or thta1ten1d r1la11e occurring prior to Grantor'a own1rshlp or lnt1r11t In tha Proparty, whither
or not th1 11m1 wa, or 1hould have bHn known to Grantor, Th• provlalona of thla ..cdon of the Mortpge,
Including thl obll;atlon to \nd9mnlfy and defend, lhall 1urvlve th• p1ym1nt of tha lndebtedn111 and the 11tt1f1ctlon
ind r1canv1y1nc1 of th• lien of thl1 Mortg1ge 1nd 1h1II not bl 1ffectld by Llnd1r'1 1oqul1ltlon ot any lnearut In•
the•Pn,perty, whither by•forlcloa\n or othatw!N,
Nulaena1, W11t1. Gr1ntor 1h1II not 01u11, conduct or pannlt any nuillanoe nor commit, permit, or autter any
1tr1pp1ng of or waltl on or to th• Property or any portion of the Prop1,ty, Without llmltlng the g1nar1Hty ot the
foregoing, Gr1ntor wlll not remov1, or grant to any other party the right to r1mov., any timber, mlnertll !Including
oll and gu), call, clay, 1cor\a, 1011, gravel•or rock productl without Llnd1r'a prior written conaent.
Ramaval of lmprov1m1nta. Orantor 1haU not darnollah a,• remova 1ny lrnprovemantl from the• Ruf Property
without L1ndar'1 prior wrftten conNnt, ·Al a condition to the removal of any lmpra1111ment1, L1ndll' may raqulr1
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM
_,. ..• Case Number: 2023-SU-001749
'•
MORTGAGE
Loan•No:• (Continued) Page• 3•
Gl'lntor to make errang1m1nt1 11t11factory to Lind• to r9p1aoe euch lmprovementa with•lmprovamtnU•of•1t llaet
equtl•value.•
Lender'• Right• to Entar. Lender and Lender'• egenta end repraNntatlvea mav entar upon the Reel Property at an•
raaaonable tlm11• to atmnd to L1nd1r'a lnter•ta and to inar-ct the Real Proparty for purpoaea of• Grantor'a
compliance•with the•wrma•and•conditions ot thla Mottgage.
Compll•nce with Clownvnentll• Raquhmenta. Grentor aheU• promptly comply with all lnta, ordlnlncta, and
l'eSIIAatlona,• now or herHfter In effect, ot an 11overnm1nt1I 1uthorltle1 1ppllc1ble to the UN or occupancy of th9
Prop1rty. Grantor may oontNt In• good• faith any_auch law, ordinance, or regulation and• wlthhold• compliance
during any proc11dlng, Including epprop,f1te 1ppe1ll, 10 long 11 Grentor h11 notlflld Lender In writing prior to
doing ao• ind ao• long•• , •In• Lendw'• aole• opinion, Lender'• lntereata In• the• Property are not Jeoperdfztd, Linder
m1v requlra Gr1ntor to po,t 1daqullhl 11ourfty or I auraty bond, r1uon1bly 11ti1factory to Lendar, to• ~ c t
Lender'• lntwut.
Duty to Protaat. Grantor agrH1 nelth1r to abandon or leave unattandld the• Proparty. Grantor lhlll•do d• oth9r
aota, In•ICldldon•to thole acta Ht forth above In•thla 1ectlon, which from the character and UH•of th• Property 1r1
raNonably'n1oe111ry to protect and pr911n,e 1hl P~ty.
DUE ON IALE • CONSENT av LENDER. Lender may, It Llnclll''e Option. deol1ra lmmedfeialy due Ind peylDll III IUffll
••cured by•thle Mortgage upon•the•ull or tr1nafet', without•l.9ndM"• prior written•consent, of ,nor any pan of th1 Real
Property, or any Interest In the AHi Prop1rty. A •11/1 or tr1n1tar• me1n1 th1 canvayance of Real Property or•any right.•
title or•lntareat In the•RMt ProPMY; whether lagal, D1R1flcl1I o, equltable; whether voluma,v ur Involu
Preview
York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 For Prothonotary Use Only: DocketNo: The information collected on this form is used solely for court administration purposes. This fonn does not s11pnl ement or replace th e fll ing a nd service oj p Ieadi·nKS or other rap~rs as required by lawor ndes o_t court. Commencement of Action: Iii Complaint Cl Writ of Summons Cl• Petition s• Cl Transfer from Another Jurisdiction Cl Declaration of Taking E Lead Plaintiff's Name: Lead Defendant's Name: C• ACNB•BANK• NANCY•L.• KUHN,•A/KIA•NANCY•LEE•FODOR• T Dollar Amount Requested: Clwithin arbitration limits I Are money damages requested? II Yes Cl• No (check one) Iii outside arbitration limits 0• N Is this a Class Action Suit? t)Yes m:INo Is this an MDJ Appeal? Cl Yes ml• No A Name of Plaintiffi/Appellent's Attorney: Sharon•E.• Myers,•Attorney• Cl• Check here if you have no attorney (are a Self-Represented [Pro SeJ Litiaant) Nature of the Case: Place an "Xn to the left ofthe ONE case category that most accurately descnoes your PRIMARY CASE. If you are making more than one type•of claim, check the one that you consider most important TORT (do not inclwle Mass Tort) CONTRACT (do not inclw!e ./udg,nmts) CIVIL APPEALS [] Intentional Cl Buyer Plaintiff Administrative Agencies 1:1 Malicious Prosecution Cl Debt Collection: Credit Card Cl Board of Assessment Cl Motor Vehicle Cl Debt Collection: Other• I• Cl Board of Elections Cl•Nuisance Cl Premises Liability ElDept. of Transportation s Cl Product Liability (does not include D Employment Dispute: Statutory Appeal: Other - mass tort) E Cl Slander/Libel/ Defiunation Discrimination C Cl Other: Cl Employment Dispute: Other• CJ Zoning Board T Cl Other: I Cl Other: MASS TORT 0• CJ Asbestos N Cl Tobacco Cl Toxic Tort • DES Cl Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Cl ToxicWaste Cl•Ejectment Cl Comm.on Law/Statutory Arbitration Cl Other: Cl•Eminent Domain/Condemnation Cl Declaratory Judgment B Cl•Ground Rent Mandamus Cl Landlordffenant Dispute Iii Mortgage Foreclosme: Residential El• Non-Domestic Relations Restraining Order PROFESSIONAL LIABLITY Cl Mortgage Foreclosure: Commercial Cl Quo Warran.to [ ] •Dental• ti Partition Cl•Replevin C] Legal C] Quiet Title Cl Other: Cl Medical Cl Other: Cl Other Professional: Updated 111/2011 York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 ACNBBANK, : IN THE COURT OF COMMON PLEAS Plaintiff : OF YORK COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW NANCY L. KUHN, A/KIA NANCY LEE FODOR, Defendant Mortgage Foreclosure NOTICE TO DEFEND Pursuant to Pa.R.C.P. 1018.1 YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after 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 any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. YOU MAY LOSE MONEY OR RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTII BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service of The York County Bar Association (Attorney Connections) York Count Bar Center 13 7 East Market Street York, Pennsylvania 17401 Telephone No. (717) 854-8755 York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 AVISO PARA DEFENDER Conforme a Pa.R.C.P. 1018.1 USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas usted tienen que tomar acci6n dentro veinte (20) Dias despucSs que esta Demanda y aviso es servido, con entrando por escrito una aparencia personalmente o por Wl abogado y archivando por escrito con la Corte sus defenses o objeciones a las demandas puestas en esta contra usted. Usted es adverti.do que si falla de hacerlo el caso puede proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso por cualquier dinero reclamado en al• demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FUAD AQuf ABAJO. ESTA OFICINA PUEDE PROVEERE CON INF0RMACI6N DE COMO CONSEGUIR UNABOGADO. SI USETED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INF0RMACI6N ACERCA AGENCIAS QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. SERVICIO DE REFERIDO A ABOGADO COLEGIO DE ABOGADOS DEL CONDADO DE YORK ABOGACfA DEL CONDADO DE YORK CALLE MARKET #137 ESTE YORK,PENNSYLVANIA 17401 TELEFONO: (717) 854-8755 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 ACNBBANK, : IN THE COURT OF COMMON PLEAS Plaintiff : OF YORK COUNTY, PENNSYLVANIA : CML ACTION - LAW v. NANCY L. KUHN, a/k/a NANCY LEE FODOR, Defendant : Mortgage Foreclosure COMPLAINT IN MORTGAGE FORECLOSURE AND NOW, TO WIT, this J3 rdday of June 2023 comes Plaintiff, ACNB Bank, by its attorneys, CGA Law Firm, and files the within Complaint in Mortgage Foreclosure as follows: 1. The Plaintiff, ACNB Bank, is a Pennsylvania financial institution organized and existing under the laws of the Commonwealth of Pennsylvania, having a mailing address of P. 0. Box 3129, Gettysburg, Pennsylvania 17325. 2. The Defendant, Nancy L. Kuhn, a/k/a Nancy Lee Fodor, is an adult individual, whose last known address is 1029 Keith Drive, Hanover, Pennsylvania 17331. 3. At all relevant times, the Defendant has been the real owner of two tracts of land with buildings and other improvements, if any, thereon located at 1029 Keith Drive, Borough of Hanover, Hanover, York County, Pennsylvania (the "Property"). The Property is more specifically described hereafter. York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 4. On•or about November l, 2013, in consideration of a home equity line of credit, made by Plaintiff to Defendant, which funds were received, the said Defendant, as Borrower, executed and delivered to the Plaintiff, as Lender, a Home Equity Line of Credit Agreement and Disclosure dated November 1, 2013, (the "Agreement"), with a credit line of$120,000.00 (the "Principal"), and requiring the payment of interest on the credit line initially at the rate of 3.250% per annum for the first 12 months (the "Interest"). After the first 12 months, the Periodic Rate and corresponding Annual Percentage Rate on the Agreement is based on an independent index which is the highest base rate on corporate loans at large U.S. money center commercial banks that the Wall Street Journal publishes as the Prime Rate. The interest rate is not less than 3.740% per annum. The draw period is 120 months, beginning November 6, 2013, followed by a repayment period of 180 months. The Agreement has a maturity date of November 30, 2038. A true and correct copy of the Agreement is attached hereto as Exhibit "A" and incorporated herein. 5. The Agreement obligates the Defendant to pay to Plaintiff a monthly Minimum Payment, equal to the amount of accrued Finance Charges ("First Payment Stream"). The First Payment Stream will last for the first 120 Months. This Minimum Payment is the Regular Payment, plus any amount past due and all other charges. An increase in the Annual•Percentage Rate may increase the amount of the Regular Payment. The Minimum Payment during the First Payment Stream will not reduce the Principal that is outstanding on the Credit Line, and the final payment will be a single balloon payment. 2• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 6. The payment to Plaintiff by Defendant of the Payments due under the Agreement is secured by an Open - End Mortgage and Security Agreement on the Property dated November 1, 2013, (the "Mortgage"), executed, conveyed and delivered by Defendant as Grantor, to Plaintiff as Lender. A true and correct copy of the Mortgage is attached hereto as Exhibit "B" and incorporated herein. 7. The Mortgage was duly recorded in the Office of the Recorder of Deeds in and for York County, Pennsylvania, on November 21, 2013 in Record Book 2259, Page 8187. 8. The Defendant has failed to make Payments of $683.09 for January 30, 2023; $761.51 for February 28 2023; $756.62 for March 30, 2023; $893.66 for April 30, 2023; and $837.06 for May 30, 2023. The total of these Payments is $3,931.94. The Defendant owes late fees in the amount of $180.00. The Defendant also owes 2022 real estate taxes in the amount of $9,946.00. The taxes will continue to incur penalties. These items all constitute default under the terms of the Mortgage. 9. The Property subject to the lien of the Mortgage is described as follows: A. LAND: See Exhibit "C", attached hereto and incorporated herein. B. IMPROVEMENTS: All buildings and improvements erected upon the Property. C. FIXTURES: All fixtures attached to the Property. 3 York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 D. PROPERTY RIGHTS: All hereditaments, appurtenances, reversions and remainders, rents, issues and profits therefrom. 10. The terms of the Mortgage provide that upon the occurrence ofa default by Defendant, the Plaintiff may accelerate and demand immediate payment of all sums secured by the Mortgage. 11. The sums presently due and payable to Plaintiff by Defendant and secured by the Mortgage are computed as follows: A. Unpaid Principal $119,956.56 B. Unpaid Interest through 6/16/23 $ 5,109.62 C. Unpaid late fees through 6/16/23 $• 180.00 D. Attorney fees (estimated) ~ 5,000.00 TOTAL $130,246.18 12. The Combined Notice as required by 35 P.S. §1680.403c was sent to the Defendant on March 31, 2023. The appropriate time period has elapsed since the Combined Notice was served upon the Defendant. The Defendant has nevertheless failed to cure the said defaults. A true•and correct copy of the Notice is attached hereto as Exhibit "D" and incorporated herein. 13. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. ( 1977), Defendant may dispute the validity of the debt or any portion thereof. If Defendant does 4• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 so in writing within thirty (30) days of receipt of this pleading, Counsel for Plaintiff will obtain and provide Defendant with written verification thereof; otherwise, the debt will be assumed to be valid. Likewise, if requested within thirty•(30) days of receipt of this pleading, Counsel for Plaintiff will send Defendant the name and address of the original creditor if different from above. WHEREFORE, Plaintiff demands judgment in the swn of$130,246.18, together with costs and interest accruing at the rate under the Agreement, ($28. 72 per day), from the date hereof, and demands foreclosure and judicial sale of the interests of the Defendant, in the mortgaged Property. CGALawFirm By: 4• .4 =&• t=) Sha.Pbn E.1.-tyers, Esquire PA 32111 135 North George Street York, PA 17401 Telephone: (717) 848-4900 Facsimile: (717) 843-9039 smyers@cgalaw.com s DocuSlgn•Envelope•ID:•3CE214E&-5BF8-419A-A39D-EA7CD1798040• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 YQD'ICA"QON• I hemby aflinn•that the following•facts me•com,ct. Tm•llttachecl CampJaint in M01'tp&a• Foreclosure is•bued•upon•infimnedon which•ha•been ftmrilhcd•to counsel in the preparation of• thi1•docmnait. The 1anguap atthe Complaint In•Mmtpac•Foreclosure is•that of coumel and not•mine. I bave :read the Complaint m• Mortaaae Foreclosure and to the axtc:at•that the~ i1 baled 1lpOD information•which•I have aiwn to•coumel, it ii true•and comet to the best of•m y• knowledp,•information am•belief.• To the mmt 1hat tho contmt oftbe Complamt in Mortpp Forecloaure is•dUlt•of•CCJUD1el, I bave relied•upon•coume1 in rnaldna this Verification. I hmebf• acknowledge tbat the avmmentl of fact set forth•In•the iforeaaid Complamt iD•Mortpae F ~ are made subject to the penalties•of 18 PL c.s.•4904 reJatfna•to UDIW01'Jl• falsification to authorities.• ACNBBANIC.• Br:-s::a~~• ~-,,.u-·-9ay-1or Assistant Vice President Special•A1Nt1• Dated: June• 23 ,• 2023• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 CERTIFICATE OF COMPLIANCE I certify that this filing complies with the provisions of the Case Records Public Access Policy ofthe Unified Judicial System ofPennsylvania that require filing confidential information and documents differently than non-confidential information and documents. Date: Jl.llle 28, 2023 Sharon E. Myers, Esquire PA 32111 135 North George Street York, PA 17401 Telephone: (717) 848-4900 Facsimile: (717) 843-9039 smyers@cgalaw.com ( . 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DDIIMwladao and VD!!•11r11 lhlt wa••• nat•aap1•, . , , _.•.,11y • fol'•1hl tuthlllllolly Df•....,._,•. .1nlOllclla••• • thtl 11111 1llll nae lit 1111111 for•IIIIY IDII, PPIN., " _ , lllalllt•llllef _,....,.,. nttUNt, tllllil*11•anvtrNiant., 11WDu1horlDcl llflriliorw raq&ra11. wllan•Dtlflll• llpDII - h inllruollolll hhwd IO Illa•l"IUfllD.• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 HOME l!OUIT'.·:·JNE OF CREDIT AGREEMENT AA .DISCLOSURE• Loan•No: CC111ntlnued) P•1• Z• 1111111119'1 In,.._• llaauadng I 111'11111 lllvltlOI In•Jl"'O" el If'¥ Of•- IIUfflOllad•loallonl. D9lllt Clr1I A-.. IJaltla•¥QUI'• "Hom1 lqu1tv Uni of Cndlt A-•• c.n,• II ,n AutolMIN TnlnHClflln Macln l"ATM"I a, paint at ..11 11rmrn11• to wllhd,_•or tnnefw fundl• fNlm• vour or.clllng acaount or other aonNm,, _ , ac:aaunt In•11CCN1 0111111• 1vaU9bll ooleo•d• illlen1111 In•1111 IOIIIMII. 1-lnac. A '*IUN\ 1MY lie llllde 1hrvUlh•11111 lnllmat. If "''"" II fflOl"I• lfl•n•- °"*·• Pll"IDII 1uthorud•to un•lhle• CNdlt lorrvwar talllng III n111 eo gtva ldv..- to !hi u..•Aacounc, '• you• 1111"11 /IOI ID '"" UI•contllollng IIWlrUCII- luah •• - ~ , '" 1111 U.. of ChNll1. 'NII ,-,va 1ha rllhl•not• ta honar•Homa• Equity Lln1 af• Cnidlt Chia• AcN11 Checlal In• thl lallDwlng• l1GU1Nt1no111 · CNdll Uni• VlalMlan. V- <:Ndll•Umk•lwl bHn or•Wlluld be__., by• ,a,tng thl Home Equity Lino•of•Q9dll C11111k ~ a.cti. l'aol4alN Cheob. Yaur Mamo Equity Una of CNdlt Cllacll Acceu Cllei:11 II 11111Mlltld. If•,• paaNlffld Home IQUhy•Uni of C"dlt O.ak ~ed......... A-•• Chlo• II paid 111111 • 1 n11ult•1r,y•olhar ahlak Ill mu1111d a,•not paid, - 1,e•nqt "'Pllnalbla. . SIMn CIINla. Yaur Home• l4ully Uni ot Clwdlt•a.etc"- C11N111 , - . 111en ~ 1DM or 1111111. Your Hatn1 lqi,ty LIM of•Cradlt Chlak A - C..ck II not IIIIWd 11¥ 1n •lluthorlzed lll!Nr" 11 dlllnld IMlow. Tlfflllllllllail or Sullft1.tan. Your Credit u,.•1111 bl1n 11m1lnaled or 1uepandld • p,ewled In•, . •~,.• o r aoukl Ila•II - paid Iha• HDIIII Elluky• IJlll af•Crldlt•Clllall•AoNII a.a._• T,-IOIIDn Vlollaal,. Vaur Hama Equity Line•Of•Cnldl1 Chin•.--n ChllClt 1, 1u, thin 1119 mlM!lum - raqulrwd•11\1 thll Ag111m1n1• or•vau •re In•vlolllllon at 1ny Olhlr•1r111111ctlon raqunman1 ar would•Ila•If•wa•paid 1111 Homa• Equity Lr.. of•c:r..i11• Chlo• Ao•••Ctlwll, It WI 111'1 111\1 ~ Equity•Lina• llf•Credit Cheak ~ ChNli•11111111' ti.a•a.dtlonl,•¥1111 ffllllt t1p1y•ua, M1iNt•to applallalll "-'••tor•b - - of•lha•Home•Equity Llnl of Cndt•CtllOk• Ac-• Chlall, Thi Hom, Eq'*t Uni or Qadlt•DIICk AaONI a,,ck ltMII wlft•Ill IWlllln••"'• your debt ID UI IOQllhlr with•11111 Ag,-m.• Our ll1blllty, II any, far wlOngful•dllha"ar 111 1 lhlak t1 lmllld 111 \'Dia'•111t111I d,11111.-. Dllhonor for•Ill\' IIIIOn II p,vvld,d 1n•11*•.....•,m,nt II nal WfO"llul dllhanor. w.•1111¥ ahaeN nai•to Nllltll Hon 1,qu1ty 1.1n1 ot c:r.ct11• Chacli•" - a-Ila llane wlltl•wour•parlodla•..._•. . . _ . . ; •' -wr, ,our•UN of Heh•HDml•~ Uni af Olllt Chlalt•~ CIIIClk wll lie.....,• on YIIUI'• PIIID* l1ltlmlllt n • ONdlt•. - . • W. do na1 "otnlfy" Hlllnl icpl\l Line ol Cl'ldlt Clllelt A - Chiou draw" on your 0.111 Line.• LlmhalltM• 011 Ille U.. of Dellll• Cora. W. - 1111 ,W,C 11111 10 hanar H01M lquly UM of CNdlt• ~ Cll'III• In• Iha l8llowlng• ~ C!Mft•Ll'nlt Vlolltlon. You, Crwdlt•Limit 1111• b1tn 0,•WOYld be 1110NCMd•by•plq•t hl HOIIII•Equity Uni•at er.dlr AIHII C.rd •llh.• lllllln Dlllll C... Your ti.- lkiultY•Unt•llf•o.cllt ~ Cll'III•h&VI 111111 raponld loll ar NIM. UllllllhmlaH - . - . Y°" Hlm1 lqulry U• of•Cnidlt•Aa- Card la•not 1111d lly 111 "Authorlllll llfllnar" • defined•bllow, Telfflll:ladtn or luap1111loll, Your Cl'ldll Un,•h••bt1n llfflllnllted or au1111ndld u pivvld1d In• thll A11-m1n1•or could bl It ,,.. Crllllt u.. _,... ho'*9CI• w, It - pay•111¥ . . . _ ,..,....d by UN of•"''•Ham, Eqyty Uni of•Crldlt Aaae• Card undlr lhlll aondlll11111, YoU• fflLIII 1"1111\1• UI,••"'!NI•II --·• 1ppll11bll IIWI, ror• 11111 IIIIOilllt of 1111 .iv.nu. Thi ld1111no1 llltlf wlll• 1111 '"'*"°'• of ,our•cllbl 111 111 10111/ler with• 1h11 At111,1111nr. Our lllbllly, IJ•1ny, tar w,angful•clllh- of•1n ldvancl•II•lllnlNII•11• ¥QUI' ND111• dlmlgla.• DllhDtlar•faf•any - • jlllMled In•1h11•~ 11 flat wrm,gtul dletlanor, Y- - Of• lhl Hoffll Equl\l I.hi of• Crllll AMal Cini wll bl IIIIMWd on ,OU, parlodlc lltl'9ffllftC NI . . . TnM1ollon•R11111lram11111, Thi•f11ll11wl11111 tnnNCrlan llmltldone wll ,ppr,, to. 1111 1.111 or vaur er.di!•Uni: CNclt Uni Moa1 lcply U. of Ctecll CIIIIII ~ C11eo1. T....... "'-8lt, CMnhft. .,.._, In• ~ 11...-e 111d Da111t Cn l.lmlla"-.• Thi•folloWlng trlfflllOdon lll'lllllldon1 wlll•apply to your Cnldll l.lnl 1nd 1111 wrlll"9 of•Ha- lca"lY•Un1 of Crwdll Cliecll AoN11 Chelkl, 1'9QUllllng Ill 1dYlno1 by IIIIIPhlllll.o wrlllng••• ollltk In•- • • at your• D11Nliln1 IIIOUnl bllln11, -•1111 11¥ lllhllr mlChade, Alllllldnl•1111dw1na1 Ill ,-,.n and 1111111 1 delllt•Olrd••• . . . . . ~ ...._..._ Thi minimum•- of any . , . . . . . _ 1hlt•oa1 bl midi on ,-ur Ooclll• U111 II U00.00. TNI ma1111 111y Ham1 l!qwy•Llnl DI Credit Cheak A-11 Clieck muat be wtllten tar .i lint 1111 mlrllmum ld1111n11 11111111111. Llmllalloll 1111 All " - - • DMlleN. You may not ua, 1ft¥ - dlvlot, w"'1tllt .._.... IIIDve•o,• ldded In• Iha• IWn, far•111¥ ..... or ~ 1-...loll. end• - me,• dNllr,e• to IUthGIIII• 111¥ ~ tfllS• WI ~ PC1N1• 911 undul• rllll Df• lllgllty llf unlawfuineN, Nolwlllwt1ndlfll 1/11 flngoll'W, - 1111y oolllot•on •IIV d1b1 1rl1ill1 Ollt 1t•1ny 111111 or 11nl1wtul• w1,w1111Dn, Alllhorllld• llfd••· Thll• _ . •"Aulhllrtqd•llgnar•• 11n -Hom, Eqww• Uni ar Credh Ct.ck• Ao-• ci-111 1nd Homa• ~ LIM•ot•Cflll/t• . _ Corda 11 111111 In• 11111 ....,__ - ar,d• lnOludl•11111 1111N" whe• Ill 1911 thl•- - - IOt• ~ ~ Line, 1111 1911 11111 ~ or• lllt•1111 ~ • ...,.,._ "'""1n IIIChorllMtoft•nnl for•thl Cllllt Un,~-·• L•t•Harlll l5qully• LIM• at CNIIII• QINII•AlcNI Ch•. ...•Ind HMII•llllull¥• 1.1111 er•Cndll• Clllllt ChlOk , . _ ~ b or Homa Equl1Y u.. of CIICllt AaOlu ~ • I f • - A-••Clnll, II• you• 1111 your•Haml Equity Ll111 of• II uelna tt.. wtnut '111111' ~ you .... to la LIi•~ ll'lffl• dll I\,.• Thi•fNtllt WIY III l'llllfy LIi• II 11¥ . . . Ill It (717) IM-1111,• VOii an OM nDllfV•I.W• It ACNII•llnlt PO li!OIC• 11211, Gotlyabu19, "" 17111.• 1.1111111\1 Per Urlllllhmllld 111,. Yau ffllY bl H1bl1 for 1111 -horllld 1111 of your • - • dlvlol whloh• IODI- your CNdlt•Uw, You wW nat llo 111b1e for•Mrlllllflorlald•1111 lhlt - lflor you nollfy III or - ....... It ACNI 111*. North• Her-. Otllol.•11 LNlln ...._ l'O . _ i,n, Chttylburg, P'A 17SU, arally Ill' In•Wlillnl, of•thl 1111,. 1111ft, or po11llll unllltlllllllld u... In Ill\' 1111, your llllllllty 111, 11111lllhllracl LIii ol VOW I C - • • • win• nol lllOeld HD.OD ar I l1111r lfflDUnt lllldlr 1111111111111 11111 IIW, en - - nr11 whlClh• c11111t1 ohloldng 1101101111t • are• by this•reference•thereto• incorporated• herein and• made•a•part•hereof.• The Real Property or lta addraee II commonly known u 1028• 111TH DRIVE. HANOVER, PA• 17331,• Th••Rear Property parcel•ldentltloatlori•number•la 87-000-12-oo82..00.• EXHIBIT Book• 22!59• Pu1 8187• I B• York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM Case Number: 2023-SU-001749 MORTGAGE• Loan• No:• (ContinuedJ• Paga 2 REVOLVING LINE OF CREDIT. Thl1 Mortgage Houre1 the lnd1bt1dn111 lnoludlng, without llmltadon, 1 revoMng line of oredlt. which oblgatu Lender 11D male• advancea to Granto,•unlela• Grantor falls• to comply• with• an the tafflll of•the Credit Agreement. Such adv1nou may b• med1, repaid, and remed1 from• time ta time, 1ubJ1ct to 1he Imitation that the tote! out.tending balance owing at eny one time, 1IOt lncludlng tlnanoa charges on such• balance et I ffud or verllbJe rat• or 1um u provided In th1 Credit A9r1ament, any temporary overagu, other charge,, and eny emounta expended or advena.d a, provided In• lltfllr 1fll lndlbtldllH8 paragraph or this paragraph, lhall•not ucaed th1 Credit Limit••• provided In th•• C,.dlt Agreement. ft II the Intention of Grentor end Lender that• th11 Mortgeg1 11ouru th•• balano1 outatandlng under the Credit Agreement trom time to time from• q,o up to a,.•Credit Limit a• prov1c19c1 In• the C,.cllt Agreement and any lntermldlate belanoe, plu1 lntere1t. Granto, pt9Nntly utlgne to Linder all of Grentor'1 right.• title, end•intarllt In end•to all• pratent and futunt lHHI of the Proparty and 111 Ranta from the Property. In addidon, Brantor r,ranta to Lend1r • Uniform Commerclal Coda MCUrlty lntere1t In th••Pet1onal Property and Rlnta. THIS MORTCIAOE. INCLUDING THE ASSIGNMENT OF• RENTI AND THE SECURITY• INTEREST IN THE RENT8 AND PERSONAL• PROPERTY. 18• GIVEN TO•SECURE (A)• PAYMENT OF THE•INDEBTEDNESS•AND (BJ• PERFORMANCE• OF EACH OF GRANTOR'S• AGR!EMl!NTS• AND• OBLIGATIONS• UNDER• THI CREDIT• AGREEMENT,• TH& RELATED• DOCUMENTS, AND THIS MORTGAGE. THIS MORTOAOE 18 GIVEN AND ACCEPTED ON THE FOUOWINQ TERMI: PAVMENT• AND• PERFORMANCE. EJcc1pt •• oth1rwi1e provldld In• thll Mortgage, Grantor• lhaU• pay to Linder all 1mount1·11cured by thla Mortgaga II th1y baoome due 1nd 1hall 1trfctly perform 111 of Granto,·, oblig1tlona under thl1 Mortgage. POSSESSION AND• MAINTENANCE OF THE• PROPERTY. Grantor 1gra11 thlt Or1ntor'1 po11111lon and UII of tha• Property 1hall be gov1rned by th• toUowlng provlaionl: Po11N1lan end UH. Undl tha occurrenc1 ot 1n Evant of• D1f1ult, Grantor rNY 111 rem1ln In pouualon ind i:ontrol of tha Property; (21• UM, operate or• manage the PrQJ*rty; ,ind (31• collect the R1nt1 from thl Prop1rty. Duty to Maintain. Grtntor 1h1II melntaln tha• Property In good condition• and promptly perform d repair,, repl1eemem1, Ind maintenance nec:11..ry to pr111rve lta v1IU1, Compffance With•Envfronm1nta1 Lawa. Grentor rapraanta and warranta to LAnder that: 111 During•thl l)lrlod of Grantor'• own1r1hlp of the Prop1rty, there haa bHn ,n o UH,•genaratlon, manuflctura, 1torar,1, tra1tm1nt. clllpo11I, ralea.. or ttnai.nad raltlH of any Hutrdout Sublltance by any PIFton• on, under, about or from thl Property; 121 Grantor ha no knowledg1 of, or r111on to belleve that thtre hH been, ,xcept II prevloualy dllc1Dlld to and 1cknowledg1d by Linder In writing, (al any br11oh or vloletlon of any Enwonm9"tlt Llw1, lbl - , UH, generation, m1nufactUnt, 1tora91, traatmant, dl1po11I, raleaae or thre1taned ralB11a of any Hazardou1 Bubltanoe on, under, about or from the Prop1rty by• ,ny prior own1r1 or ocoupanta of thl Property, or (ol •nv aotuaJ or thteattned Nt1911tk>n o,•olllma of any kind by any peraan ral1tlng to auoh m1tt1ra; •ncl• !3J EJcc1pt II pr1vlou1ly dl1cla. .d to •nd•1cknowl1dg1d by•Lender In writing, (aJ n1lth1r Grantor nor any tentnt, cantractOr, 1f1nt o, other authorlnd• UNr of the• Proplrty lheK ua,, generatl, m1nuf1ctunt, 1tora, treat, dl1poa of or rel1111 any Hmrdoua Subatance on, under, 1bout or from the Property; ind (bl •nv auch activity 1h1H bl conducted In compllanol with Ill 1pplcable flderal, 1t1tw, Ind local• law1, regul1tlont •nd• ordlnancl1, Including without Umlt1tlon ell Envlronm1nt1I Lawe. Granter 1uthorlz11 Lend1r Ind lt1 1ganta to anter upon tha Proparty to m1kll 1uch lnapectlona end• tnt9, at Grantor'• expenae, H Linder may deem• 1pproprlat1 to determine compH1nca of the Propertv with thl1 HCtion of th•• Mortg1r,1. Any ln1pectlona ar tNta made by Llndar 1hall ba for Llnd11r'1 purpo. ., only.end 1h1U not be• conaul*f to c,•. .te • any rnponllbllltv or !!ability on the• pan of Lendar ta Orantor or to eny other p1raon. The repre..nt1tlon1 and w1rr1ntf11 contained hllr1ln ara b111d on Or1ntor'1 due dlligance In lnvNt1111t1ng th1 Proparty tor Hazardout Subltanca, Qrantor hereby 11•I• , .....• • and w1Jvu any fwn clalma 1galn1t Llnd1r tor lndemnltv or oontrlbutlon In the ,vent Gt1ntor b1com11 llabl, for cleanup or other coau under 1ny 1uch l1w1: 1nd 121 agree, to lndamnlfy, d1f9nd, and•hold harmlaN Lender ag1lnlt any Ind aH clalml, loaN1, Habllltle1, d1mage1, panaltlll, and 1xpen111 which Lend1r m,y directly or lndtractly 1u1teln or 1ufflr reaulling from a bra1ch of thl1 HCtlon of the Mo,tg1ge or •• 1 con1aqu1nc1 of any uae, generation, manuf1cture, ator1ge, dlapoa1I, rallau or thta1ten1d r1la11e occurring prior to Grantor'a own1rshlp or lnt1r11t In tha Proparty, whither or not th1 11m1 wa, or 1hould have bHn known to Grantor, Th• provlalona of thla ..cdon of the Mortpge, Including thl obll;atlon to \nd9mnlfy and defend, lhall 1urvlve th• p1ym1nt of tha lndebtedn111 and the 11tt1f1ctlon ind r1canv1y1nc1 of th• lien of thl1 Mortg1ge 1nd 1h1II not bl 1ffectld by Llnd1r'1 1oqul1ltlon ot any lnearut In• the•Pn,perty, whither by•forlcloa\n or othatw!N, Nulaena1, W11t1. Gr1ntor 1h1II not 01u11, conduct or pannlt any nuillanoe nor commit, permit, or autter any 1tr1pp1ng of or waltl on or to th• Property or any portion of the Prop1,ty, Without llmltlng the g1nar1Hty ot the foregoing, Gr1ntor wlll not remov1, or grant to any other party the right to r1mov., any timber, mlnertll !Including oll and gu), call, clay, 1cor\a, 1011, gravel•or rock productl without Llnd1r'a prior written conaent. Ramaval of lmprov1m1nta. Orantor 1haU not darnollah a,• remova 1ny lrnprovemantl from the• Ruf Property without L1ndar'1 prior wrftten conNnt, ·Al a condition to the removal of any lmpra1111ment1, L1ndll' may raqulr1 York County Prothonotary Civil E-Filed - 28 Jun 2023 03:16:13 PM _,. ..• Case Number: 2023-SU-001749 '• MORTGAGE Loan•No:• (Continued) Page• 3• Gl'lntor to make errang1m1nt1 11t11factory to Lind• to r9p1aoe euch lmprovementa with•lmprovamtnU•of•1t llaet equtl•value.• Lender'• Right• to Entar. Lender and Lender'• egenta end repraNntatlvea mav entar upon the Reel Property at an• raaaonable tlm11• to atmnd to L1nd1r'a lnter•ta and to inar-ct the Real Proparty for purpoaea of• Grantor'a compliance•with the•wrma•and•conditions ot thla Mottgage. Compll•nce with Clownvnentll• Raquhmenta. Grentor aheU• promptly comply with all lnta, ordlnlncta, and l'eSIIAatlona,• now or herHfter In effect, ot an 11overnm1nt1I 1uthorltle1 1ppllc1ble to the UN or occupancy of th9 Prop1rty. Grantor may oontNt In• good• faith any_auch law, ordinance, or regulation and• wlthhold• compliance during any proc11dlng, Including epprop,f1te 1ppe1ll, 10 long 11 Grentor h11 notlflld Lender In writing prior to doing ao• ind ao• long•• , •In• Lendw'• aole• opinion, Lender'• lntereata In• the• Property are not Jeoperdfztd, Linder m1v requlra Gr1ntor to po,t 1daqullhl 11ourfty or I auraty bond, r1uon1bly 11ti1factory to Lendar, to• ~ c t Lender'• lntwut. Duty to Protaat. Grantor agrH1 nelth1r to abandon or leave unattandld the• Proparty. Grantor lhlll•do d• oth9r aota, In•ICldldon•to thole acta Ht forth above In•thla 1ectlon, which from the character and UH•of th• Property 1r1 raNonably'n1oe111ry to protect and pr911n,e 1hl P~ty. DUE ON IALE • CONSENT av LENDER. Lender may, It Llnclll''e Option. deol1ra lmmedfeialy due Ind peylDll III IUffll ••cured by•thle Mortgage upon•the•ull or tr1nafet', without•l.9ndM"• prior written•consent, of ,nor any pan of th1 Real Property, or any Interest In the AHi Prop1rty. A •11/1 or tr1n1tar• me1n1 th1 canvayance of Real Property or•any right.• title or•lntareat In the•RMt ProPMY; whether lagal, D1R1flcl1I o, equltable; whether voluma,v ur Involu