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MICHAEL L. GLUCK,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO, 96-2075 CIVIL TERM
MARY KATHLEEN GLUCK,
Defendant
CIVIL ACTION - LA W
IN DIVORCE
AFFIDA VIr OF CONSENT
I. A Complaint in Divorce under Section 3301(c) of the Divorce Code was filed on
April J 6, J 996.
2. The marriage of Plaintiff and Defendant is irretrievably broken, and ninety (90)
days have elapsed from the date of the I1ling and service of the Complaint.
3, I consent to the entry of a I1nal decree ot'divorce after service of notice of
intention to request entry of the decree,
I verify that the statements made in this aftidavit are true and correct. I understand that
false statements herein are made suhjectto the penalties of 18 Pa.C.S. Section 4904 relating to
unsworn falsification to authorities,
Date: II/;"/c; 7
.
.
OFFICI OF DIVORCI MAITIR
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
9 North Hanover Slreet
Carlisle, PA 17013
(717) 240-6535
10 RoIM" Illcker, II
Dlvorcl Mlsllr
Treel "0 Colver
Ofllcl M.n~lr/R.portlr
We.' '''ore
697-0371 ext. 6535
March 24, 1997
Maria P. Cognetti
Attorney at Law
P.O. Box 689
Harrisburg, PA 17108-0689
Kathleen Carey Daley
Attorney at Law
1029 Scenery Drive
Harrisburg, PA 17109
RE: Michael L. Gluck vs. Mary Kathleen Gluck
No. 96 - 2075 civil
In Divorce
Dear Ms. Daley and Ms. Cognetti:
By order of Court of President Judge Harold E. Sheely
dated March 21, 1997, the full-time Master has been appointed in
the above referenced divorce proceedings.
A divorce complaint was filed on April 16, 1996, raising
grounds for divorce of irretrievable breakdown of the marriage
and the economic issue of equitable distribution.
In response to the complaint, the Defendant filed an
answer and counterclaim on September J, 1996. The counterclaim
raised the economic claims of equitable distribution, alimony,
alimony pendente lite, and counsel fees and expenses.
An amended answer and counterclaim was filed on October
18, 1996; however, the Master is unclear as to the reason the
amended answer and counterclaim were filed. Perhaps counsel
could point out to the Master the reason for the second filing
as the Master apparently is missing something.
I note that the Plaintiff has filed an affidavit under
Section JJ01(d) of the Domestic Relations Code averring that the
parties have been separated for at least two years, the
separation having occurred on March 8, 1995. The affidavit waG
filed March 18, 1997. Based on the fact that grounds for
divorce are apparently not an issue, I am directing each coun.el
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Ms. O.ley and Ms. Coqnetti, Attorneys at Law
, 21 April 1997
Page 2
NOTE: Sanctions for failure to file the pre-trial statements
are set forth in subdivision (c) and (d) of Rule 1920.33.
THE ORIGINAL PRE-TRIAL STATEMENT SHOULD BE FILED IN THE
MASTER'S OFFICE AND A COpy SENT DIRECTLY TO OPPOSING
COUNSEL.
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7, Th" D"limdant/Respondent has not filed a r"quest tor marriage counseling or taken
any olh"r actions to lead the I'laintil1i'Petitioner to believe that th" marriage is not irretrievably
broken.
8 The Plaintit17Pctitioner has served the Respondent's counsel with a nOI(d) atlidavit,
Notice oflntentiontll Requcst Entry of a Divorce Decree and a Praecipe to Transmit the: Record. as
provided under PA. R.C P 1920. 73(a)( I) and a copy of this Petition
9. The assets of the parties are substaOlial and the parti.:s have not been able to agree as
to the value of these assels It may take a substantial period oftilllc in order to dcvelop the values of
these assets including expert testimony, real estate appraisals and data from other parties.
10. The imerests of the Defendant!Respondelll arc protected in that she has tiled a Petition
tor Child and Spousal Support with this Honorable Court. Although this matter is still under appeal
and scheduled to be heard by the Honorable J Wesley Oler, Jr, on May I, 1997, the
PlaintifT/Petitioner continues to make regular support payments tothe Defendant/Respondent.
II. The Court's Order regarding spousal support shall be converted to Alimony Pendente
Lite pursuant to Pennsylvania Rules of Civil Procedure and must be paid until a final determination
as to economic issues is made by this Honorable Court.
12. The Defendant/Respondent is provided "ith medical insurance through the
Plaintiff/Petitioner's employment. This coverage v.ill be continued until a tlnal determination of the
economic issues in this case.
13 The Defendant/Respondent "ill sutler no harm as the result of this request for
bifurcation.
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September 23, 1996
4, On or about June 21, 1996, Movant tiled an action for support against the
Respondent with the Cumberland County Domestic Relations Office. That action is
Docketed tu No, 673 SUPPORT 1996, DR No. 25.536.
5, The Support Conference in this matter was held before Sally S, Kreitzer, the
I )mnestic Relations Ilearing Ofl1ccr on August 13. 1996. At that time Movant and her
ullorlll:y llppeared tilr the contcrence as well as Respondent and his attorney.
6, Respondent denied liability for Movant's support.
7, No agreement as to the amount of support was reached at that time.
II, M\want believes and therefore avers that expert testimony may be required
tOllssist the Court in understanding Respondent's available income as Respondent is a
partncr in a Illrge medical practice wherein he has vast control over his income,
I), The matters of Alimuny Pendente Lite and spousal support uverlap because
thcy both deal with analyzing Respondcnt's income and his ability to give linancial
assistane(' to Movant.
10, Judicial economy would best be served by combining this matter with the
hearing on the issues of spousal support and child support,
WHEREFORE, Movant respectfully requests this Honorable Court hold a
HWINlll)WSIWI'WIN601"^1l1,NI1I1.1IlK\lllT
S.plemhcr 23. 1'196
CERTIFICATE OF ~ERVICE
I, Maria P. ('ognelli. Esquire. AlIorney for Movant. herein, do hereby certify that
on this date 1 served the foregoing Mution for Joinder of Alimony Pendente Lite, Spousal
Support and Child Support by depositing a true and exact copy thereof in the United
States mail, first class, postage prepaid, addressed as Ibllows:
Kathleen Carey Daley
DALEY LAW OFFICES
1029 Scenery Drive
Harrisburg. P A 17109
Dated: September 25': 1996
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Maria P. Cllgnett'. Esquire
Sup. Ct. J.D. #27914
200 North Third Street
Twelt\h Floor
1',0, Box 689
Harrisburg, P A 17108.0689
(717) 232.2103
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MICHAEL L. GLUCK,
Plaintiff
v.
I IN THE COURT OF COMMON PLEAS OF
I CUMBERLAND COUNTY, PENNSYLVANIA
I
I CIVIL ACTION - LAW
I
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I NO. 96-2075 CIVIL TERM
. . . .
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
I
I NO. 96-0673 SUPPORT
I DR II 25,536
MARY KATHLEEN GLUCK,
Defendant
MARY KATHLEEN GLUCK,
plaintiff
v.
MICHAEL L. GLUCK,
Defendant
ORDER OF COURT
AND NOW, this S-t( day of June, 1997, upon consideration of
the attached letter from Kathleen Carey Daley, Esq., attorney for
Michael Gluck, the hearing previously scheduled for June 4, 1997,
is RESCHEDULED to September 3, 1997, at 1:30 p.m. in the support
matter, and the bifurcation hearing is SCHEDULED for September 29,
1997, at 9100 a.m., in Courtroom No.5, Cumberland County
Courthouse, Carlisle, Pennsylvania.
BY THE COURT,
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Maria Cognetti, Esq.
200 North Third Street
Twelfth Floor
P.O. Box 689
Harrisburg, PA 17108-0689
Attorney for Mary Kathleen Gluck
Olk'f1,'11 I '"1111I nil 11I1 w.11I~1l ~ll I'II~
shall be deemed an UIiIllOIl)' pendente lite order tilllowing the dhwce decree.
g, The parties acknowledge that pursuant to the support Order llf September Ill. 1997. Plaintiff
is to provide lIledical insurunce lilr Delcndant. The parties ucknowledge thm there lIlay be
a change ill the status of I klcnllant us a dependent spouse UpOIl the entry of a divorcc decree
and to the extent that it is necessary that premiums he paid to maintain the insurance
covcruge set tilrth within the support Order. Plaintiff agrees to pay such premiums. [klcndanl
agrees that she shull coopemte in signing an)' and all documcnts Iwcessury to continue such
covcruge. including. hut not limited to. the agreement to the entry of u 'Iuulilied medical
support order.
h. Plaintiff shall reinstate [)clcndant as heneficiary on all retirement henclits \"hich existed as
of the parties' lime of sepmation and shall continuc to keep such henelits in full lilrce and
effect until further order of ('ourtor agreement of the parties. The parties acknowledgcd that
the henelicim'y on Plaintiffs lilc insurance policy is the parties' three (3) children. which
designation shall be changed to reinstate [kll:ndailt as heneliciary within ten (10) days of the
date of this Stipulation. which shall continue until further order of court or agreement of the
pllrties. Likewise, Dcll:ndunt agrees that she shllll maintain Plaintiff as heneliciary on any of
her Iifl: insurance policies nnd retirement henelits which existed at the time of the parties'
separution and shall keep such polieies allll henetits in fulllilrce and dll:ctuntil further order
of court or agreement of the parties.
i. The entry of a qua:itied domestic rclations order shall be reserved within the divorce decree
including the right to tile u supplemental decree. if necessary,
.I. All marital property of the parties shall be held in custodia legis after entry of the divorcc
dccrce. including any and all rights which Defl:ndant may have under ERISA or the
Retirement Equity Act of 1984.
k. The Dead Man's Rule and the provisions of the Dead Man's Statute shall be waived by each
party on hehalf of his or her estate. in the event either party predeceases thc other pcnding
tin.ll resolution of any and all ewnomic or maril<11 claims.
I. This Court shall retain jurisdiction to enforce the provisions of its bifurcation order.
m, Both parties agree not to enter the residence of the other without conscnt of the other. The
parties IIcknowledge that Plaintiff shall have the right to inspect the marital residence from
time to time.
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S. Neither Plaintiff nor Defendant is in the military or naval service of the United States
or it~ allies within the provisions of the Soldiers' and Sailors' Civil Relief Act of the Congress of 1940
and its Amendments.
6, The cause(s) of action and section(s) of Divorce Code under which Plaintiff is
proceeding are:
A. Section 3301(c). The marriage of the parties is irretrievably broken.
After ninety (90) days have elapsed from the date of the tiling of this Complaint,
PlaintilT intends to file an Affidavit consenting to a divorce. Plaintiff believes that
Defendant may also file such an Affidavit.
8, Section 3301(d). The marriage of the parties is irretrievably broken.
The Plaintiff and Defendant separated on March 8, 1995.
7. There have been no prior actions in divorce between the parties.
8. Plaintiff has been advised of the availability of counseling and that Plaintiff may have
the right to request the parties to participate in counseling.
9. The parties may enter into a written agreement with regard to support, custody.
visitation of children, alimony and property division. In the event that such an agreement is e""cuted
by the parties, the agreement may be incorporated by the Court into the final Decree of Divorce.
WHEREFORE, Plaintiff requests your Honorable Court to enter a Dec~ee in Divorce,
divorcing Plaintiff and Defendant.
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1/211'11
MICHAEL L. GLUCK.
Plaintitli'Petitioner
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, I'ENNSYL VANIA
v.
NO.l)6.2075 CIVIL TERM
MARY KATHLEEN GLUCK.
Defendant/Respondent
CIVIL ACTION - LA W
IN DIVORCE
ORDER OF' COURT
AND NOW. to wit, this __ day of
, 1997, upon consideration
of Plaintill's Petition tor Bifurcation and Defendant's Answer thereto, Plaintiffs request is
hereby denied.
BY THE COURT:
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7. Admitted.
8. Admitted.
9. Admitted.
10. Denied. It is specifically denied that DetendantlRespondent's interests are
protected by the Petition Illr child aud spousal support which she has tiled. It is funher
specifically denied that PlaintitllPctitioner continues to make regular suppon payments to
Defendant/Respondent. In !tlct. PlaintiftlPetitioner recently lowered his suppon
payments by $2.100.00 per month without any notice to the Delendant/Respondent or
without leave of Court to do so.
11. Admitted.
12. Admitted with c1arilication. While it is admitted that Defendant/
Respondent is provided with medical insunlnce coverage through PlaintiHi'Petitioner's
employmt~nt. Detendant/Rcspondcnt has no knowledge as to whether or not it is
PlllintitllPetitioner's intent to continue that coverage until a final determination of the
economic issues in this malter.
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13. Denied. It is specifically denied that l>ctcndant/Rcspondent will sutlcr no
harm as the rc:sult of this request for Bifurcation. By way of furthcr answer. bifurcation
would cause serious disadvantages to Detcndant/Respondcnt which completely outweigh
any perceived advantage to PlaintifliPetitioner. Dctcndunt/I{espondent's interests would
be jcopardized by bifurcation because she would losc many protections guarantccd to hcr
by vinuc ofthc marital relationship while not yct benctiting Irom new protections which
llrise Irom the Court's rcsolution ofthc cconomic issucs. Dctcndunl!Rcspondcnt would
havc neither thc protcction ofthc marriage nor the bargaincd Illr or Court Ordcrcd
protcction of cquitablc distribution as providcd in the Divorcc Codc. I I' a bifurcation is
permittcd and one of the partics dics hclilre thcrc has bccn a rcsolution ofthc cconomic
issues. thc othcr spousc is prccludcd Irom enjoying the bcnctits providcd under the
Probate Estates and Fiduciarics Cod\:. Bitilrcation would also havc un advcrse lltfect on
the surviving party's cquitahlc distribution claim in that the surviving spouse's claim
against thc deccdcnt's cstatc would bc ~;eriously hmnpcrcd hy the dcad-man's rule which
would rcndcr the surviving spousc incompctent as a witncss. Bifurcatcd divorce also has
a dctrimcntal cffcct on a divorced spousc's light to rcceive thc procccds of a life insurance
policy in which thaI spousc was thc namcd bcncliciary. This is not thc sort of case which
can bc bifurcated without harming I>clcndant/Rcspondcnl.
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IN T11F. COllRT OF COMMON l'I.F.AS OF ClIMBF.RLAND COllNTY. l'ENNSYI.Y ANIA
MICIIAEl. l.. Ol.UCK,
: NO, 96 2075
PI.AINTlfF
v,
MARY KATHl.EEN <iI,lICK.
DEFENDANT
CERTIFICATE OF SF.RVICE
1 h"rcby ccrtify that I havc lln this date servcd thc PI..intiffs Answcrs to Dcfcndant's lnterrugut'lrics
Dircetcd to Plaintiff on thc pcrson and inthc manncr indic..ted below, which sutist1es thc rcquirements uf
l'a,R.C.P. 440.
Servicc by hand dclivcry addressed as lllllows:
Maria P. Cugnclli. Esquire
Fulton Bank Building
200 Nurth Third Strcct, Twell\h Floor
1'.0. Box 689
lIarrisburg. Pcnnsylvania 17108
DATE: Augu~t 8, 1997
Respcctfully submillcd.
HOFFMEYER & SEMMELMAN
B '
K~t.., melman. Esquire
Atturncy lllr Plaintiff
30 North Georgc Street
York. Pcnnsylvania 17401
Tcl,~phone #: (717) 846-8846
Suprcme Court #: 29971
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ASSETS OF PARTIES
Plaintiff marks on the list below those it~ms applicable to thc case lit bar and itemizes the assets
on the lollowing pages. I I' an it~m has b~cn appraised. II copy of the appraisal report is attuched,
( X ) 1.
( X ) 2.
( X ) 1.
( ) 4.
( X) 5.
( X) 6,
( X ) 7.
( ) 8,
( ) 9.
( ) 10.
( ) 11.
( ) 12.
( ) 13.
( ) 14.
(X) 15.
( 16.
( X) 17
( X ) 18.
(X) 19.
( ) 20.
( X ) 21.
( ) 22.
( ) 23.
( X) 24.
( X) 25.
( X) 26.
Real prupcrty
Motor Vehicles
Stocks, bonds, s~curiti~s and options
Ccrtitkmes of d~posit
Checking accounts. cash
Savings accounts. money market and savings certificates
Contcnts of sate d~posit boxes
Trusts
Lite insurun~~ polici~s (iadicat~ Illc~ value, cash surrender value and current
bcncticiari~s)
Annuities
Gifts
Inheritances
Patcnts. copyrights. inventions, royalties
I'~rsonal property outside the home
lIusir,esscs (list all own~rs. including pcrccntage of ownership, and oflicer/director
positions
Employment termination ben~fits - s~verance pay. workman's compensation
claim/award)
Profit sharing plans
Pension plans (indiC'.lIe employee contribution and date plan vests)
Retirement plans, Individual Retir~lIl~nt Accounts
Disability payments
l.itigation claims (matured and unmatured)
Military/V.A. benefits
Education benefits
Debts due. including loans. mortgages held
Household furnishings and personalty (include as a total category and attach itemized
list if distribution of such assets is in dispute)
Other
t}IMJ.li'l7 ,tI3()1I1ll'1lt.:Ll"ylu..:k'IAlI
MARITAl. PROPF.IUV UST
I'laintitl' lists all property in whieh either or bOlh spouses have a legal or equitablc inlcrcst,
individually or with any olher person, as of the Illllowing dates. NOTE: Liens are relerenced behind each
ilemon this list, with more specific detail itemized on the list entillcd "Liabilities".
Itcm Dcscription
Number Of Prollertv
Namcs of
All Owncrs
Value
COll1menls
REAl. ESTATE
I.
81 Old Stone House Road
Carlisle Pa,
Joint
To be appraised
Jack Gaughen
appraisal
I'U{SONAI.TY
2.a, Personalty Husband's I'ossession Joint To be appraised 1. Ensminger appmisnl
b. Art Works
C. lIascbull Cards
d. Coins
3.a, Personalty Wife's Possession Joint To be appraised J, Ensminger appraisal
b. Art Works
C. Coins
d. Perfume Bollles
4, Jewelry Wife To be appraised Jeweler's Beneh
appraisal
VElIICLES
5.
1988 IIMW M5
Husband
9.800.00
Trade in Value
6.
1993 Mitsubishi Montero
Husband
19,525.00
3/95 NADA
7.
1994 Volvo
Wife
21.475,00
3/95 NADA
8.
1989 Chevy Suburban
Wife
17,600,00
3/95 NADA
ACCOUNTS
9.
Fmmers Trust Checking
Wifc
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Wife to provide info
10.
Ilarris Bank S,wings
Wife
')
Wile to provide info
lllMM1 II .lrHlm- Lied, W1ui:k' i&:lI
II, Farmers Checking Wile " Wife to provide info
12. Farmcrs Money Market Wile '? Wile to provide inlll
11 F armcrs Savings Wile '? Wile to providc info
14 Financial Trust Corp.
Checking #0009-91392 Joint 1.197,95 3/8/95 statement
15. Olde Discount Account
#032-IOO61-BTQ Joint 185.352.88 5/30/97 statement
\6. FMA #W63-2286662 Joint 448,053.63 6/30/97 statcment
17. FMA Personal Account Wife 7.925.59 3/3\ /97 statement
Wifc to provide info
Ill. FMA IRA Account Wile 11,151.4\ 3/31/97 statemcnt
Wife to provide info
\9. FMAIRA Husband 13.652.72 4/30/97 statement
20. FMA Prutit Sharing I'lan !Iusband 1,114,537,66 6/30/97 statement
LIFE INSURANCE
21. Phoenix Mutual Husband 91,874.80 8/7/97 cash value per
Peter LaBella, FMA
STOCK
22. American Rehab Stock ? -0- No value
BlISINESS INTERESTS
23. JMB Income Properties Husband -0- No value
24. Verrecchio, Gluck & Oruich Wife .0- Racehorse punnership
No value
25. Penn 21 Associates Husband
I. 818% intcrcst 18,000.00 6/97 oll~r to purchase
26, Lowther Strect Associates lIusbWld
16,06% intercst 0
27. lIarrisview Realty Associates lIusbWld
16,06% intcrcst 0
2K. HOTS Cardiac Monitor II usband 0
29.
Inlcrnists of Centrul I'u.
Husband
25% intercst
88,829.00
LA WSUIT
30.
Cur Accident Scttlemcnt
Husbllnd
9,495.76
CREDITS
l)lJilJ.l,~7'" '22pm"J,,'Il.' AJIU\:k',IIul
Smoker evaluation
8/31/95 settlement
31. Racchorsc Partncrship Expcnses Husband ? $50-IOO/mo since 1/97
HusbWld paying
32. 1993/1994 Tux Lillbility lIusband 4,000.00 HusbWld paid
33. Fair Rental Value Husband To be determined Jack Gaughn Realtors
From datc mortgage
paid off to present
lJ~IUJ,'~7 II Jtllllll IJi:J'IlIIJ~k'I&:lI
ASSETS TRANSFERRF.I) ANI) NON.MARIT AL PIWI'ERTY
Plaintiff lists all pruperty which has bccn lmnsrcrred or which is non-marital property.
Item Dcscription Namcs or
Number Of Prollcrtv All Owncrs Valuc Comments
I. Cmbbe lIudson Joilll -0- Translerrcd to Wirc's
pcrsonal account
2. Merrill Lynch Jr,lint -0- Not exist at scparation
3, Dreyfus Tax Exempt
Mutual Funds Joint -0- Liquidatcd in 1994
4. GT Global Mutual Funds Joint -0- Liquidutcd bcforc
separation
5. Nicholas Mutual Fund Joint -0- Transferred to FMA
6. National Financial Scrvicc Corp, Joint -0- Liquidated
7. Commerce Bank Chccking
#0512083700 lIusband (3,593.98) 7/11/97 statement
Opened 3/9/95, aller
8 FMA I'crsonal Account
#W63-2373858 lIusband (72,221.15) 6/30/97 statement
Op..'I1Cd alter separation
9. FMA Prolit Sharing Plan 2 Husband (63,507.61 ) 6/30/97 statement
(~1lCd after sqmation
10. FMA Individual Account
W63-244568 Son Jon (42.132.70) 3/31/97 statement
Non-Marital account
II. Bonds Daughtcr, Jcssica (25.000.00) Approxilllllle face va1ue
12. Bonds Son, David (25,000.00) Appmxilllllle face va1ue
13. Bonds Son, Jon (25,000,00) Approximate face va1ue
14, Cumbcrland Hcalth Associatcs lIusband -0- Liquidated before
scparation
15, Rapada 1981 lIusband -0- No longer cxists
1)'1,11.1,'11 II'lhl1m'dt:d."tll~k'IAll
I.IARILlTIES
Plaintiff lists all Iiabilitics of eithcr llr both spouses along with any other person.
Item Description Namcs of
Number Of Liabilitv Debtors Amount Commcnts
I. Citibllnk #4128 0031 54930344 'l To be provided 3/95 statemcnt
lIuSband paid
2. Citibunk #4128 003196275047 'l 5,380,12 3/ I 0/95 stutcmcnt
lIusband paid
3. Account #5351 0490 3403 4406 ? 2,072.09 2/17/95 statement
lIusband paid
4, Paul Anderson Vocutional Husband 500,00 8/97 Statcment
5.
Brion Smoker, CPA
Husbund
To bc providcd
Business Valuation
Cash Flow
6. Kathleen Dalcy, Esquirc Husband To be provided Attorney Fees
date of separation
to 6/97
7. Kuren L. Semmel man, Esquire Husband Ongoing
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5.
On October 18, 1996, Wile tiled an ^m~nded Answer and Countcrelaim wherein the sum~ is~ues
wer~ raised.
6.
Approximately June 21, 1996, Wile tilcd an action Illr support against Husband, docketcd to no.
673 Support 1996, DR No. 25.536.
7.
Currently, Wifc rcceives spousal support, which was converted to ulimony pendente lite when thc
divorce was entcred on Dccember 30, 1997, with the umount being Thrcc Thousand Five Hundrcd
($3,500,00) Dollars per month pursuant to thc Ordcr of Court d.lled Scptcmbcr IS, 1997,
S,
Wile. who is a mcdical doctor with a current Iicensc to practicc mcdicinc is currently unemployed
and insi~ts on rcmaining uncmploycd.
9.
Will: asserts that she sufll:rs from mcdicul conditions which purportedly prevent her from being
employed. Husband hclicves that Will: is capuhlc of full-time employment. I/owcver, in order to properly
cvaluate the physical condition of Wife. and in the interest of judicial cconomy. it is necessary that Wife
suhmit to an indcpendent mcdical examination of I/usband's choicc.
10.
On Septcmbcr 12. 1997, lIusband's counsel IlJrwurdcd ,I Icttcr to Maria P. Cognetti, Esquire,
counsel Il)f Wifc, requesting Wifc schedulc an indepcndcnt medical cXllmination with Jason Litton, M.D, .
and provided Dr. Litton's address and teh.:phonc number.
1
'''''-.'
11112"."" 2 -<<Ipm -rm ,~tltt,:k Imt:' 1"1
IN THE COURT OF COMMON PLEAS OF ClIMBERLANI) COlINTY. PENNSYLVANIA
MICIIAEL L. GLUCK,
NO. 96-2075
PLAINTIFF
v.
CIVIL ACTION - LAW
MARY KATHLEEN GLUCK,
DEFENDANT
CERTIFICATE OF SERVICE
\
,
I herl:by certify that I have on this date served the Plaintiffs Motion for Leave of Co un to Obtllin
Independent Medical Examination Pursuant to Pa.R.C.P. 4010(a) un the person and in the manner indicated
below. which satisfies the requirements of Pa,R.C.I'. 440.
Service by first class, postage paid, United States mail addressed as follows:
Maria P. Cognctti, Esquire
Fulton Bank Building
200 North Third Street, Tweltlh Floor
P.O. Box 689
Harrisburg, I'ennsylvania 17108
DATE: -L - d f' ?f'
:v/(
Karcn L. Semmel man, Esquire
Attorney for Plaintiff
30 North George Street
York, Pennsylvania 17401
Tclephone #: (717) 846-8846
Suprcme Court #: 29971
"
E Robt:rt Elickt:r, II. Divorce Mastt:r
~
Mllrch 2, IlJlJll
I. FMA IRA Account (II)
m. FMA Prol1t Sharing Account #W03-22117066 (H)
n ('oll1mcrct: Blink Non-Marital Account (1I)
0. Phot:nix Mutual Lift: Insurance (II)
p. Intt:rnists of Central Pa HI)
q. BGTS Cardiac Monitor (II)
r Lowther & lIarrisvicw Relllty Associates (H) .
s. Pt:nn 21 (II)
t. Car Accidt:nt Settlement (II)
IJM2 72
1,114.~.l760
(JYJ.llJll)
lJl.!l74110
!l1l,!l2lJOO
2.~0000
(-63..H660)
1!l,OOOOO
lJ,4lJ~ 76
· Nott:: Units 2 & 3 Minority Valut: lJ 1 ,00000
Husband's 2~% of mortgage -lllJ.79~.46
Units 4 & ~ Mortgage
lIusband's 2~% of 64 25%
1 97,07!l.44
x 1606
($2!l,795.00)
Demolition ·
Husband's 25% of 642~%
111.00000
x 16.06
($31,650.80)
($ 2.890 80)
TOT AL DEFICIT
· Note Demolition could bt: $20,000.00
($63.33660)
Furtht:r. documents from Defendant arc needed to support the date of separation values on
the following
a. Financial Trust Corp Account #001240595 (W)
b. Harris Bank Money Market Account #3206113453 (W)
c. First Federal Money Market Account # I 0-00-151 057 (W)
2, Expert Witnesses,
The expert witnesst:s and statement of their testimony is as follows
a Brion Smoker. CPA
If required, Mr Smoker will It:stify as to the inlllftnation as set forth within the report
identilicd as an exhibit submitted under item number four (4) below. A copy of the
curriculum vitae i, identitied as an exhibit submitted under item number four (4) below.
b I'aul D Anderson, D. Ed.
If required. Dr. Anderson will testify as to the information as set lorth within the report
identilied as an exhibit submitted under item number four (4) below. A copy of the
curriculum vitae is identilied as an exhibit submitted under item number four (4) below.
c. Peter l.aBella
If required. Mr LaBella will testify as to the information as set lllrth within Ihe information
identilied as an exhibit submitted under item number four (4) below
d George R 1I1sh
If required. Mr. lIbh will testify as to the Information as set forth within the inlllrmation
identilied as an exhibit submitted under item number four (4) below.
E. Robert Elicker, II. Divorce Master
2
March 2, 1998
L FMA IRA Account (H)
Ill. FMA I'rotit Sharing Account IIW63-2287066 (H)
n. COlllmercc Bank Non-Marital Account. HI)
o. Phoenix Mutual Life Insurance HI)
p. Intcrnists of Central Pa (II)
q. BGTS Cardiac Monitor (II)
r. Lowther & Harrisvicw Rcalty AssOWllcs (H) ·
s. Penn 21 (H)
t Car Accident Scttlcmcnt (II)
13.65272
1,114,53766
(3,59l911)
91,874.80
88,829 00
2,500 00
(-63,33660)
18,000.00
9,495.76
· Note: Units 2 & 3 Minority Value 91,000.00
Husband's 25% of mortgage -119.795.46
($28,79500)
Units 4 & 5 Mortgage
Husband's 25% of 64.25%
197.078.44
x 1606
Demolition ·
Husband's 25% of 64.25%
($31,650.80)
18,000.00
x 1606
($ 2.890.80)
TOTAL DEFICIT
· Note: Demolition could be $20.00000
($63,33660)
Further. documents from Defendant arc needed to support the date of separation values on
the following:
a. Financial Trust Corp. Account 11001240595 (W)
b. Harris Bank Money Markct Account 113206113453 (W)
c First Federal Money Market Account 1110-06-151057 (W)
2, Expert Witnesses,
The expert witnesses and statcment of their testimony is as follows
a Brion Smokcr. CPA
If required. Mr. Smoker will testify as to the information as set forth within the repon
identit1ed as an exhibit submitted under item number four (4) below. A copy of the
curriculum vitac is identiticd as an exhibit suhmitted under itcm number four (4) below.
b. Paul D. Andcrson. D. Ed
If rcquired, Dr. Anderson will testify as to the inlllflnation as set tlmh within th~ repon
identit1ed as an exhibit submitted under item number Illur (4) below A copy of the
curriculum vitae is idcntilicd as an cxhibit suhmittcd undl'r item numbcr four (4) below.
c Petcr LaBella
If required, Mr LaBella will testify as to the intlll'lllation as set llmh within the information
identilied as an exhibit suhnlltted under item numbcr four (4) bclo\\
d George R lJlsh
If required. Mr lJlsh will testify as to the information as set l(lrth \\ithin the information
identitied as an exhihit submitted under item number four (.j) helo\\
E Robert Elicker, II, Divorce Master
3
March 2, 1998
e, James J MacGraw
If required. Mr, MacGraw will testify liS to thc tnlllflnation as sct lllrth within thc information
idcntilied us an cxhibit submitted undcl' item number four (4) below
f Plaintiff rcscrves the right to amend this response upon review of Defendant' s Pre-Trial
Statemcnt
J, Lay Witnesses, Thc witnesses arc as Illllows
a, Plaintiff. Michael l. Gluck. as to mattcrs raised in the divorce mutter,
b, Defcndant. Mary Kathlccn Gluck (as on cross). as to matters raised in the divorce
matter,
c, Rebuttal witnesscs arc rcscrved,
d, Plaintiff reserves the right to amend this response upon review of Defendant's Pre-Trial
Statement
4, Exhibits, The following list rcprescnts the Exhibits which may be utilized during the
hearing'
8/25/97 George R Ulsh appraisal of Old Stone House Road
George R, Ulsh curriculum vitae
10/25/95 statement 1988 BMW 1\15 HI) trade-in amount $9,800.00
3/95 NADA 1993 Mitsubishi Montero (H) $19.525,00
3/95 NAOA 1994 Volvo (W) $21.47500
3/95 NADA 1989 Chevrolet Suburban (W) $17.60000
financial Trust Corp, #001240595 (W) 7/7/97 Statement
Harris Bank Money Market #.12061I.H5.1 (W) 7115/97 Statement
financial Trust Corp, Checking I/OOOl)-9 1.192 Ot) 3/8/95 Statement
Financial Trust Savings #007-.104194 (W) 2/28/95 Statement
Oldc Discount #032-1 OOb I-BT() Ut) 51.10I'J7 Statcmcnt
fMA (First Montauk) Pcrsonal Account IIW6.1-2286662 lJt) 6/30/97 Statemenl and 5/31/9S
Statement
fMA Personal Account (W) 31.11/97 Statement and 111.10/95 Statement
FMA IRA Account (W) .11.11/97 Statement and 111.10/95 Statement
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51 \WINOOWSIWPWIN6O\PLaADINll\1.lI.UCK P1'1
MICHAEL L. GLUCK,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 96.2075 CIVIL TERM
MARY KATHLEEN GLUCK,
Defendant
CIVIL ACTION - LAW
IN DIVORCE
DEF'ENDANT'S PRE-TRIAL STATEMENT
I. ASSETS: See Defendant's Inventory and Appraisement.
II. EXPERT WITNESSES:
a. Defendant anticipates the need to call an expert with regard to the
valuation of Plaintiffs various partnership interests.
. b. Defendant anticipates the need to call all expert with regard to the
value of the marital home.
c. Defendant reserves the right to call such expens as may be necessary
to respond to evidence submitted by Plaintiff.
III. FACT WITNESSES: Defendant intends to call the following fact
witnesses:
a. Defendant will testify about all matters relating to the assets ofthe
panies, the break-up of the marriage, and the factors listed in the
Divorce Code.
\Ill"
f IWINIX)WKlWPWINftUoPUo\UINll,.liLlIl'K m
''''''
b. Plaintiff as on cross, to testify about all matters relating to the assets
of the parties, the break-up of the marriage, and the factors listed in
the Divorce Code.
Defendant reserves the right to call such additional fact witnesses as may be
necessary to respond to evidence submitted by Plaintiff.
IV, EXHIBITS: The exhibits to be produced by Defendant will consist of
copies of statements showing values of the panies' home. personal propeny, bank and
investment accounts, retirement plans, motor vehicles, and statements regarding legal and
expen fees. Defendant will also produce repons, once prepared. tax returns, and financial
statements with regard to the value of Plaintiffs various panllership interests. Copies of
the panies' tllX returns will also be produced, Defendant reserves the right to offer into
testimony such additional exhibits as may be necessary to respond to evidence offered by
Plaintiff.
V, INCOME: Defendant is unemployed. She has no other source of income
other than her suppon payments.
VI. EXPENSES: See Defendant's Income and Expense statement.
VII. PENSIONS: See Defendant's Inventory and Appraisement.
VIII. COlINSEL FEES: To date, Defendant has expended approximately
S13,900.00 in counsel fees and expenses. Defendant anticipates spending an additional
SIO,OOO.OO in counsel fees until the litigation in this matter has been concluded.
WEEKLY
MONTHLY
YEARLY
HOME:
Mortgage/rent
Maintenance
Repairs
UTILITIES:
Electric
Pager (son's)
Cellular Phone
Telephone
Water Softening Sys,
Sewer
Spring Water
EMPLOYMENT:
Public Transportation
Lunch
TAXES:
Real Estate
Personal Property
Income
~
$380.00
$275,00
$330.00
$15,00
$45.00
$175,00
$35,00
$15.00
$12,00
$308,00
INSURANCE:
Homeowners
Automobile
r,i fe
Accident
Health
Other - Umbrella
Malpractice
AUTOMOBILE:
$58.00
$260,00
$25.00
$400..Q..Q
Religious
Memberships
Children's
Allowances
$100.00
Other Child
Support
Alimony
payments
Lessons for
Children
OTHER:
Computer Supplies and
repairs
P.LaBella, Fin. Cons.
$17.00
$89,00
$400.00
Bruce Brown, CPA
Window and Rug
Cleaning
can't afford
TOTAL EXPENSES
$8.113.25
· Defendant gets help from her famil~ to meet expenses,
.
ASSETS OF PARTIES
Defendant marks on the list below those items applicable to the case at bar and
itemizes the assets on the following pages. Ifan item has been appraised, a copy of the
appraisal report is attached.
(X) I. Real propeny
(X) 2, Motor vehicles
( ) 3. Stocks, bonds, securities and options
( ) 4. Cenificates of deposit
( ) 5. Checking accounts, cash
(X) 6. Savings accounts, money market and savings certificates
( ) 7. Contents of safe deposit boxes
( ) 8. Trusts
(X) 9. Life insurance policies (indicate face value, cash surrender
value and current beneficiaries.
( ) 10, Annuities
( ) 11. Inheritances
( ) 12. Patents, copyrights, inventions, royalties
( ) 13. Personal propeny outside the home
(X) 14. Business (list all owners, including percentage of ownership
and officer/director positions held by a pany with company.
.- .
,
( ) IS, Employment termination benefits - severance pay, workman's
compensation claim/award
( ) 16, Profit sharing plans
( ) 17, Pension plans (indicate employee contribution and date plan
vests)
(X) 18. Retirement plans, Individual Retirement Accounts
( ) 19. Disability payments
( ) 20. Litigation claims (matured and unmatured)
( ) 21. Military/VA benefits
( ) 22. Education benefits
( ) 23, Debts you owe (and/or your wife or husband), including
loans, mortgages held, etc.
( ) 24. Household furnishings and personalty (include as a total
category and attach an itemized list if distribution of such
assets is in dispute
( ) 25, Other
.-
.I
St.v.n W, S.,rel\ R... e.l.t.
124 N. Hanove, 81...1
Carll lie, PA 17013
(717) 243.1841
AuguOl e, 1996
Attorn'lf Marla Cognelll
200 North Third Streel
12th. Floor, P O. Box 669
Harrl'burg, PA 11106.0669
RE:
Property.
81 Old Stonehou.. Road
Carll,le, PA 17013
Cllen!: Or Kay GLUCK
96-0646
Borrower.
File No.
Dear Sir or Madam:
In accordance with your raqu..t, I have personally Inspected and prepared an appraisal
report 0' the real property located a'
61 Old Slonehou.. Road, Carll,le, PA
The purpose of lhlS appraisal Is 10 estimate Ihe market value or the property (J8Ilcrlbed
In the body 0' this appralsa' repOrl
Enclosed, plea..llnd the appraisal repOrl which dascrlbas certain dala gathered during
the Investigatlon 01 th, property, The mtJlhods ollJpproach and reasoning In the
valuation at the various physical and economic laclors oltha sub/eel properly are
contained In this reporl
An Inspection or the property and a study of pertlnenllaclors, including valuation
trends and an analysis of neighborhood dala, leads lhe appraiser 10 the concluslc." that
the market value, as 01 July 23,1996, Is
$250,000
The opinion or "Slue expressed In this report Is contingent upon the LImiting
CQndlllol'lS allached to this report
It has been a pleasure 10 assIst you, III may be at further service 10 you In the future,
please let me know,
Respectfully submitted,
Stlven W, Barrelt Aeal Estate
.....'i..",
.-
"y' ( J J
OIANG GilL
PA CerllllCallon .Rl.001579.l
';'I'~" II '\1,'." ~n' 11111. 111 ,'Ill') "tl~
Summlry Apprll.11 R,pOrl
c.;lI~tl .
"..." D.,.".u.. 4 UNIFORM RESIDENTIAL APPRAISAL REPORT F". No, .'.n...
'1'op'tl)'''d~11II U Old 't.on.hoy,. 1'014 1;11)' CerUlli ~I.I. fA "'nflu" 17013 tI
111" [Jucllplilln D..d look Jl-II. page 670 c,:"",~ C\Ul1bel'llnd
f AUIf'lInP,"r,'I~l! J'-O'-~11-31 IU~UI i,nU III !~.u S ;Z'jO.~t~IiI)If.I~IA~!!.~!I'I'''!1 'N/A
lkI110lnf ,." ....' -~. - - V~y GLUC:~ C""rlillJ"'~11 WIN Gluck 11((1,(1'''' . O\ll~" ""'1l1 'JMill'l
Pll1011 "~tl'lltll'IIU I f., !'jlnlll'" I'~!lhrll~ 11'0;" 11 III 1'111) l:"t',r'I'" ",,;III 111I,ll"""""'.1 "I1AI 1101
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lal. Pfllll' HI A 1111. or ~'" "'I It. 11.1< '111'11" i1"~ 11,",]"n! III <lln tn~rg'IIIIIII('I!lllIll hi I), I)~I[I 'Ir l'd" HI It.
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I ~llgnbol~(l<ld Oou~~lnll."d thl'ICII"llltl 10undeeS on tb. no.rt.h by f'Mlylvan1a T\Jl'npikl. on thl ...t by
I-::;~.~~el~~c~~~ ~~~~~~~"ll ~~~ ~7'~~II'~'~~~lb~ ~~h~r~(:I~'I;'~.I~~rr~ul~'~'rll~"~~ ~~ 1~~~'H'~~~,~'n?o~ 1~~'~;.~PI~~111:1 "'~'l,1 .It I
1'hll'l Ire no Id~rl. fll;ton to aUect markltlb1l.l.ty ot .,.ltljlct. 01veJ:le .tlble UFloyment aneS
III 1\lP5'0I't1ng uwniU,e. ue w1thin ..,y dz-1ving 'Oihttnce. G~^ 42-3240-41
1,t"~11 l:U04111onl ,n Inl ILIIII":1 ".'glll)IIIIIl:!I~ f'''[llIUI''g ILlrlll'll1 ('JI 11'. Wu.1 'LlrU',",""1 rrl.'IO !Ol II'. rr~"d <;1 ~")IJ!lr'r "~'"u II.rT'~"~,IIIII~" ,llld ""r..I"'g I"TI'
IUl:~ .. ~Itl on tQmlllllll';l plrlp,rllll !ill II" ,n Ir', ". g"hlllhrJrlO durr 111:110 III I~' ~rl\'l'lpr. HI I' U Ind 'I"~",t"'~ ("OL~'H'IWI III I
Jro~rty ,.11. rlCQreS. IlleS tU..S Itltht,il:l .how . Iteady mCl<H.ratl incz-.... in prope.rt.y vdu.I'
Q?l1 Pllt ~'I'. AVI.rlge maz^lting t~ of 80-100 diY' in ..re. .how. . gOO~ blllnl:l ot IU.ffly
IA<I _nel,
" Pral"II~'"mlllllR'Dr 'UOI ('I ~IIPI'rl~"i 1111'. d",!II,~!rill,I;I~~1 "'w',I'ul (II ,I1! "ornl iJ...r.'~ AIle, ~Ii()" 11.I)A11
8 -'pptOllmll. IQIII oumtll 01 "0,11 n IhllllOltcl nrtlllCl N/", Alml<I.,,",11 10111 ,,,r"I:~r 01 \,I'di ILJr !,I'~ .' tr'~ \I'~If[IIII"IHI
1l1ICl101 common 1IIIn'''fllno ra(lull!1n~1 !~t;ldIU WI.
'II l'to
N/"
11IOTI011llnl SI' llg.l ~'I:ript.on _. .... 1"lwg,.III'" Rolling
!ill. If" 10.33 1<:11'1' (tlX r.c;ord.) l'Ir""'I.)I'u x"o 'i'11 Typical I:or 11'"
5PltlllC lo".n~ tl~'II!lllnon Ind dlW'pllOo AG ~tic;ultul'.......... _ ~";IJft l:l'l'eq\ll..r
IOill"Q t,)mpllln" '. IlgII l.g~1 ~OI'lilllro"nll'g "....nl"'"' .1', "'ftg~1 I;'II'HI,..g 1."';"lil~~ ~ClU"t.
Il'Q"III' bUI ~IIII'~'U(O~1a . X ,11rlunlulI OI,'!llnllnllla,r'i VIU ~n COl,lntry
I Ulllilln I'ubl~ Olhll on'lltllmpraUmUl1 '/II" il',III'C i>r'~af" I""",',(p'''g Av..ragl
fl'ch'clf) i..&; ~Irlll Hlc.dAm .Jl .,_ Ilr'.~...a~ S~I!aCl Macadam
au C~lh,g\jll.r Non. .... .,~" Allrlnl!~IW''I1lnI3 NQn. Ind~lIt.d,_~
WillI ~ Well Sl~.wal~ None _.. ".'. !I~A'iIIHlI(f'lllIdl'~lJrdl\lI,l VI! .,/ojo
hfilll"lIlWII i_ SeFti.<; 'ilrulllgn!l None ,_ fP,IA Ion. C Mal! flail '/~/8J
8lormuwII J AHy Non. fIMA""'lIl~lI 420310 001'8
COmmt~11 I~PPI'lnl U,.'U lIum.nll l"crOIC~ml"'i lrarlll I\UH/01lnl\ \iidl I!lll I"~ll <I' 'fg~1 none':nIOI'll "g IlInlng Lnft lie, w,ll./Septil:
on marktt4btlity, There at. no .dver'. e.,ement."
c~n 'o.r a". and hl~ no .4ye~., aff~~t
n. n.'., ,AI..,
GflWIALOfSCflfPIIO~ I~TlIIII]111J(:lClllfl'n"i
Ito 01 Un'lI .1 flll!l'~III'JO Poured Con~l'.t.
"'OolSlnllll Z r-IIIIUIWaIl1 Brick/Till
r~DI (011 1.4111 Cetac;h,4 Ilolll S'ill~{, Shingll
I ~lIlg~ (51)"11 2 St.QI'Y li;jll~11 'lhw,pll AlumJ.mun
, E(IIII"gIP'Opou~ laittJ.ng. WmdllwlyPI OOl,J,bll, H\.Ing
Agt (V".) 1~ ~,slllOm;scrunf IEx1.tJ.ng.
EItIC\lYIA '(V'II 'J.'" ~"n"'I(lvre~"n.:\. N
RO~1,t:5 fOYlf I.I~IO~, Dining Kllchln
IlIumlnl
lOI;rlllAI'I)'j
Sail
(:'~W' 'iIl,II!
1t~\~rll~"1
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111'1';1'11',1
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1170
40
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11001
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None
Puthl
Part.hl
NonQ
None Obi.
Non. Obi.
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.
1
1
1
1
1
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1
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418
1,110
1,170
i flollhla I'll lban ara~t (rJnl;I"'~
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.
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,
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1:'I'l~II'O" Av.raa. W,l~"~r,;lr'J~r r" ','I~'I
llllllrll I~PK~( '''I'~'I ~Hlr tM If'~1 !II See addit;ion.l COlTlnont.,
-".
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J.
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a~ln flUUI
I BII~ Wal~1C011
DOO'I
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i =1~:~~t';PI:;'~'''~n Ll:~~';'~'~~I'I'~~~dt ~~'~'~' ~1~L~~.r~~"! F~';'~'~C^~~lf~; 11'~~n~'t i~'~r~'~'I'~n'~'~:~;~~~'~~I;~ ~;P. nnt ,
Property .how, d.f.~r.~ mAint.n'n~. on extetior, ~nt.riol' p.intinq, window. l'ep.il', tome
'111b1ng ~g.eI,
-'d~tfll In~I"HHllIIlI~1 L~llnllllll)rr\ !lUl'l J\ 1),,1 "Ill ""'iI~rl 1<1 ",11,""''',\ 'N,I!I~'. 111. L \,;lI\LI"L" "I' '''0,,,''11 ", 'I'. "'lllr"""'~'II, II" !r" ',,on "I 'n 111~
· "~.nIJllll .,(""r~ 0' 11'1 '\IIII~tI 1)I~lllrll No .dVlI'" 'nviz-onmllntll c;ondit.ion" IIro .PP.l'ent/dil~lol'led.
. 'I~II Mil I '''~ '0 I 11
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"".1',;1;
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".", ,III' ( II '. I", r \I I" I ;' '~I ',.'1 ",.':
Summ.ry Appr.I..' R.porl
c..~., .
V.lu.ll.n ...UO"
IIf1MATIOIIllVAlU(
IIWIlATEO IlEP"OautIIO~ COllI ~LW OJ ,ttlPHllvl'iI"T!j
& 0..1110& a.lla 't ~I.' 10.00.1
t "._nt \.:1.70 5~ Hel U.OO
ror"""u~l.
I G,I.g.tClIPCll UI 50 H., 13.00
Tottlhl,.".tIllCol'''.'' .,
L'II 11. oil PM~IIC'I f"~,!inn.,
Q'eltel'lIon a,..OOQ
D'Pllt"ltd V,IYI or Imclo.,m'~I'
'AI'<I'V,lu' Of 1.1. 'mgl)~.m4nll
,
UNIFORM RESIDENTIAL APPRAISAL REPORT
., 10,000
'11. No.
r.omrnl"1I OM COil "I1CICI(~ II.t~ II IOu'~' U! tOlt .III'~II.
1.1. ~.IJ', IQ"'I' ILI<)I Clltu'll,ue, I"C IIlI 1!IJll vA l"~ ',nl'A, II"
17a,IOO
17,~~0
ao,ooo
I, a'4
aU,Iu
I_l.<nll
F.I!.~C~l!."_I}_UIIIIIJ
H!~~llt;,OOllng_.
. E,""n ~~I!ll,n' Illrn.
~lr~i'lfl'po'l
Porco,Pll1o,OuW,
FII.plu.!I),.tc
CIl'-'I'A'IAllll ~() 1 COI,II'AUAUII "02 I;O'iIIAIIAlIlI 'Ill ]
231 IHdq. Cdve U7 W.,t Old York 113 BJ,;!ndl. Road
rC.rl~.l. lRo.~. CI~11.l. ,Kleh.n1o.b~~g
N/A t. .~ mU.. !' ,10 JIll,I.. '0/. ,3 JIll,l....1.1
310,QOOI " UO,OOO, . " ll~.QOQ
I.. 107.14 il 'n.8~ Ila5.U.1 ",35/1.a',oo.......
Courthou.. Racord8 Courthou.. Racord. Cou~thou.. Racord8
,~prli'tr'l Cata ,Afprai.tr'. gata ,KL3 Dltl
IjAU)(A{lJU!II.IllF~Tli Ill!iCIlIII!;O~ I)I~Cltll"d)~ ,I~,: I "" 1l1~(llIPII(j~ 'II'~"," lH!it;IlIPI,U~
I . ., 1 Non., Cony Non., Cony Non., Cony
..........-....................10011 Unkno,", ,DOH ,5 mil . DQIl 161
.1IUJ.U........, 7131/'5 : 5/11 .I/U/n
, I~Yl'bln ! :i~yrb'n , liW:lyr>>an , a~u.&:ban
.r.. U"Pl. . r.. U"P.. ,r.. 1....1. ,r.. S......
,10 ^"r../CicI" l., 8 A<lu./<i<I. l'l.I, 000.10,' A<lr../G. . 7.5 Al;/Goo~
. ....<I/COlllltry, ....<I/Country. . ....<I/Colllltry. ,1Io.<I/COlllltry.
,a ltorrlA/CicI. C.peCo<l/A/<i<I. . a Itory/A/<i<I .l Itory/A/Gd
. Av...~./Goo<l. G<lo<l "10, 000, Av....g./Goo<l. , Ay....g./Goo<l.
lU Jr.... :ae Jr.... t5,OOO:' r.... -~,OOO.: r....
,A....g./Goo<l Av...g./QQo<l. ,QQo<l ..~, 000. Goo<l
;,1."'11 ,.IIlI"'"lbl'l ,! 1'1'1 ,lk"'.KI"1 l'I,IIe"I,IlI'" ",1,110' KI'\
,8 .4 .3 I I. 3 .a.~ tl,OOO, 8 '.3.~ "1,0001.~.3
:2.110 SqH ,2.812 !\QII ,2.478 ~qjl -t1U.l00,3,8~' 5QII
I ruu a.mt I Full Bsmt full Bsmt Full Osmt.
. r"/Reg Room . rI~./P4o ROQm ,llnUn,hh.d ...~. 000, CnwllPI.;;t
iAftl'lgtl . Aveng" ,"vUlge . AVlI'I;:e
,at r__/c.A .GI Ntf\~/CA. ...,~OO.Kt fllll'f>/CA .0rM/CA.
, ~.1Q.l ! Typ.1olJ. , Typ1ol1 , '1'yplc;:al
,2 ell', Gll:lg',2 ell' Gtng,. ,2 Cn Glrlge ,,~Cn Glng.
. 'orch ,O.ck./Porch -',000 Porch/Covd, 4;2,500' Porch
: J. r,1&:,p1101l, J rh,pllot'. ,Ptt10/rli' +2.000,1 r1l'.p11C:.
,StAb.. :C.t.oh.a ...0,000. ,ooal ~t.bl.. . No..
.....m.. !!iU.g.~t, '__
.~:.II~:;~~(~:~I~,prlc. t---.,..----,..~-,..,_.- [Q~~.~i~~i'.? ~5., 500 ;.Q:~'~lj .i. .~ J, '00 i Oro"2~~{'. SI'
e!CemplrIUI. '-_...,.,_,__.__", ,Xet, .5,.0'.S 294.$OO]Xlt 1.,5' ,S 24J.'OO:..t S..5lJlS 212,400
Cqmml~ll M 5111S Compl"'0n 1'~CludlnQ Ihl II,Il:lct CIU~III';'1 Clll1'palln,l,1'; tn 1M' ne,~IlM't,nQ~, lie. Su,bj'l;t i. C:Olrflt1J;)J., w1th
na.1gbborhood pKope~t11', SI1.. Complr1.on AnllY011 .how. I vllue r.nge of 4212.000 to
tAti~500, meln of $254.000 ~" !n~1c.ttd. CQmP.~~l.'l h., Uf9tl~4~ k1t~nln w~tb cQ~~ln
C;:Qunt,EtoPI. Hi.tor!ollly. p~oPtrt1.. over $200.000 require I 10nger thin no~l marketing
U...,
'IDICIIIQ VlLUln CQIf I"RQACH
II(M 5UBJlCT
11 014 Ston.hay.. Roa4
A_dd!~~1 ,el.rl,1I1e,
P'Ulllnll)'Ie 5ublltt I
. .
SIIIlPr'tl S
"
;In.~cti"n
.,
.,
..
.,
.5,000
U3,6U
10,000
ullr~IIU 'Iml,rng I(llr"un', "1 QI III' ~"I~I'I';I Co.t new
from. Manhall :iw1ft VI1\,lIUon Serv1ct
HlndGook InQ 1UQI1 COlt Inlly.1., Lln~
val'l. from Market DIU COlfillrilon.
gtPI'.c.1lt10n bl.,d on Ige 11,. ob.,I'VI~
conQ1tJ"on and MArklt Dlta AnA1yl1.,
I.U,_tt~ ~.LninQ' IQonoaU.Q LU'e 40 to
4~ y..n.
. Pllt'IQ!Ollll~ AlII
OllllnAjQl
V,,',lltl,lian 50~ICII
, , ! I ~J "
5.,tIa' Flnlncmg
CentllllOMI
.0.1." ~'.!~'lfT'ml
Le~.ll'~~
~~I.jlhIli4"U5'mp"
_5,<11,
V~I" .
.~II,lgM ~M~.I~plll
,~~,~llty. a! Conll',~ctla~
~ .~i',.
I ClIn(llIqn
I
I
H,OOO
,~~.'Grl(1
r10llm Co~nl
l!!ell,lI~'ng..ru
BII.mlnl'flnlllll~
1l000IUOllo"QrIO,
-~,OOO
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-H,400
HO,OOO
F~~CI, r,qOI, I!C
ta,OOO
t~,OOO
la"oo
....r!H~ ; SIIMC!
JII',PUClln(OIII 2/13/86
Source, tOl Cllql 11111 1$1'5,000
..!!~~~~.1!!r.~ IPO~~IU! . CM
.Inllyl'l 0' In~ cunlnllQ"lmllll oJI 1111, qoIIOl1, 01 'Illlng or tnt l'IO,ICI crI!UI1~Y In~ 1~~r,IIS ~r _oy C' 0' lilH u' lcllllCI ~"a Cl:'''Cl'it'll ~ r>' ~rl YIA' lit ~"I dll. III IOpll',1I1
COMIIAIIAIlII' ,",0 ,
CO'~IIAll.lnl E ~() 2
CO'liPMlAlllE ~o 3
N/A
Courthoul' Recorda
N/A
Courthoul. Recorda
N/'
Court haul. Record.
NQ, >>.r1,QI.....l.. w.1th,~n pI.1;, yel.t.
IIO'CAnQ VALUIIY IAUI IIOM'ARIIO" A"1I0ACH S 2$0.000
I"DICATlQ VALUIIY IICll 11"ROleH 1'1 A~ollr~n'll flllmllld YJ'Wel 'hill S Nt.&. Yo. ii'<HI :Ie'l y"q n .' . s
r~III~Il'IIIII'1 mUI a,." 'S' 1"11;~i.lIIlIl" r!Oi"l ~'llrJlHln!, 'Ol01C1111111 u' (nndlllllnSI,\IU 1I110W lllUIWclli1 [D,n,""UII iJ~1 p'an1 ,lnd IPICIII~lllon~
ClIndlllanl'I'Appr.'UI 'the 1',~OPl!I"t,y hi' D41.1l _WUhtd 10 o~n'nt <;Q1l41t.\Qn, Thh Ipprd..1 .t.. to~ t.h.t
Q~1.n~, only. nontrln.t.rAblt. Ste IttlQhe4 .dd4nd~,
~nllllH()nl'"ltllln Can Inlil Klzll.t Mlly..t.. oonl.t.lttntly IYJlPort rAY ,.t1mated mlrklt y.lu.,. GlUt
AnI~'.1. WI. '0u.n4 ~n.pproPI1.t. Cor th11 In~1y.1..Gr'lt..t weight. 1. applild to the "-rk.t
gatl An.~y.11. S~oz'~ng !11e ~nCo~nltion .~.t.nt1It.. th.., t.tlmat.,.
Tn. purp~l~ or lMI, Ippr41UI II TO 1111111.11 III' !rllllt V~"lft 01111' r'illll'n!lll!y Ihal I III. llJO It' 01 Ih'l 'IUO", t1~l.'J rIll "'t allnve rOII'J IWI ~"~ '1'1 (Q't,l'(alllln CQnllnU,,,l
I"~ limiting ~nrdlllllnl, I"a 'n"WIT "~I~I delln_1 0" '"J' .I" "alN " '~t ll!u"ILI' 'I~~' l,I~l r,l"n 411,r~~n 11,IU I'll'" 'OO~11 :Ile\'~~~ 6/~) I
, tW11 U'IMI', 'HI MAIlIl' VILUI. II OmN(O, OF IHE ilEAL pflOPI"n THA' II THI 'UfJ(~J,. OF THIIlU.'ORT. AI O' J\l1y 23, 1996
(WMICH II THI Din 0' INIPICnO" AND Tltl mIC'I>I! 0.111 OP lHll IIIPO"'t TO HI 2'0. O~O r ..
1"RAIIIIl' IUPIIl\uIOAW 4t!".lIUR 10NLY 11r1IQUIJlrOI
Slgn.IUlI _,_:i... tl.o...._ ~,/_:. ,; ~ ~'~II~I"r. - . ,",
~~m. glMl GILL ~arn~ STEWN W, aANU:T'1', SM., SMA
Olll'R'Jl(Hl!li~'d A"~.t 2. 1996 1)~1111WII'HI'i'~l1uAuq\l.t 2. 1996
'!!lIC~.tl!IC'1I011' ~-OOl"9-L '1," PA 'i1~'!(NI'rll"I~'GA-000298-t.
011111' lelnll , ~I,II" 111 ~,I.1I~ I 1:IJlll'
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SKETCH ADDENDUM
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S, W. BARRETT REAL ESTATE APPRAISAL SERVICES
Borrow.r/CU.nl Dr Ir:av
"_rlYAddr.., II Old
CIIY Carll,l_
L.nd., Attorney
m.u~J:
Stoo.hou.. load
County Cuaber14nd
Marta CORnett t
51'1' PA
lip Cod. 17011
APPRAISAL ADDENDUM SPECIAL CONDITIONS
11M fuUowift. dtkhd Ithn.... IpeCltl~ .prdal ullldllhlflllNI IUIf.drnhtird b~ lhi' appr.llrr ....nnlltnr 1n11w..liun of! the 11Ih"'IIIIt\lllrn~,!h1 mU!J'nahol.l,uu,
W thli, neaahbc.tl'"I11h 11I11 II.II:IIIUII' l:nlmuL/i.,..il. nul.4. thr lun.lullIlU IlIA. 11I'1,1) lllllw l~hjrlllln'l"")' III llw UN11llatllhlrl UI." IX) NI)r aI'r~1 11M m.nll
,,111M' lJl' ilia iUww m.....l.btlll)' 01 thllubJ.d p"1JII'11)' brlll"Wlllard, 'Illllllnul . h"'l' 1I11P"liufl ItIV1U' 'lllllll In '1'I"'flll III '"lIlIl11' 1IW1r\rl ~.lu.,
o
o 2.)
/
[J 3.)
c;Y 4.)
o
o
0/7.)
d 8.)
o
o 10.)
o 11.)
or'12.)
~)
o 14.)
IJ"'ll,)
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er;;)
[J 18,)
o 19.)
[) 20,)
o 21.)
o 22.)
o 23.)
[J 24,)
[J 2l,)
[('26,1
[] 27,)
[] 2)1.)
[Y'29,1
[""'30"
[) 311
o.'e
I,) The lubja;:1 i. ~lUoJ tlI a ruralurca UII~ l!i leu then 2~% buill up, lhi, "uudlllulI h I)Pll'W and ~ommun ror che:: urea and
DOES NO'r acrel:1 (he milltel vwuc or (ulure ntaRcwbilily u( Ihe 1ubjc~t
CommcrcloJ/lndustrlal ullC~ DIe h>eulell within the 1UbjlXI's nclwhbnrhood, The~ u~s arc t)'pit:uJ of !Iilllilar ntlahborhoodl
I1nd DO NOT I1((CI;1 the market valuc or (ulure mwtel.:lbilil)' o( the 5ubjet:1 propeny.
Vocanll1nll undevelopel! land u."cs arc ltll.:alL-d wilhin the sUbjC,1'5 neiwht)lJrhlNxJ. 'fllesc u,~,", arc: t)'pkuJ lor the llI'ea and
00 NOT ~(<<t the marketvaluc: or (uture markelabilit)' of the subje't Ilfl.lpert)',
The predominwlI value in the neighborhood i.~ less Ihwllhat of the mlUkcl value ulthc: subjL:i:1 propen)', This Is due 10 lhe
very wide mnle or vwue ol VlUpcnic", in the area and superior qualit)' o( the suhje~t propert)', 111i:i cllndIU\)f1 DOES NOT
DUeet the markel vwue 01 the ~ubjcel or ils (ulure mwkelubilily,
~li.) The subject property is IUCl!.lCJ in a F.E.M,A, hJenliried flood ZtlllC, "nus l:Und,lulII rX)l;~,s NOT allel:1 the milrkel vwue or
fUlure mwitell.l.biLily of !he sub)C~t when flood lIIsurWK\' ~'ovefllge i~ required. F-lood In,'\ururM:c ill suuc:sleJ.
Dampne58 is nOled in the buscmenlll( Ihc subjecl. This ~ulld.Hion i. considered. 1),1)il:al ill dwcllillKS of thi. SI)'lc and OOES
NOT aUecl Olutkcl value or the (ulure marketabllit)' u( III\' .SUbJL'\:t, Standlt.1!l: or I\IIIIlUlI!l: \100111(1 Wa.1 nUl pn:M:nt 011 bal6Cmelll
000<,
The llubjctl propc.'rI)' is mvit:c:d by prlVillt: well lInd sepll~' I.. I"
This dQl,!8 nol weeet markcl value or (uture mllrkclu611i1)'.
'I'ht subjecl is older lhan live (~) )'eUN old. All mechanical sYslelO~ includiJlg the hcatllll!l:, ehtncal and plumblntJ s)'stems
appear upon a visual exterior inspection 10 be in worklns ord..:r, No WillTillltie-s arc implied illlhls swlemenl,
Repair Items were noled in the commenl,1 section Ullhc report. These corllmCIIL'i Oil repolr llel1l!i un: lor de:'Il,:riptive
purposes onl)' and W"e nol required repairs, The repair ilemH Iislcd arc ~'osl1lelit: III natule anLJ DO NOT alfcclthe mmet
value or fUlure mmelabllil)' of Ihe ~ubjc" propert)'.
'The basement floor is adlrt 1100r. This l:llnLJitioo is comlllon anJ lypkuJ lor Ihe area i1nd. DOES NOT ufle'tlhe markel
vl1lue or (Ulure mW'lwlabilil)' o( Ihc su"lJc\:!, The presenl:e of a din nour DOES NOT pose II hellllh or safel)' hazard.
The subject prope"y does curuain (unl:lillnul ob50lescelk:e [1." oOled illlhe n:pon. This 'ollLJilion is cunsider(l! t)'plcaJ Wid
common (or Ihe IU"ClIand lhis sl)'lc dwellillV and DOES NOT all(~llhc market value or (ulure markewbilil)' o( lhe: subjecl
propeny,
The land value exceeds 30% 01 IOtal value due It) lhe hi~h demand lor vocUllllund in this neighborhOOtI. This condition u,
considered common anJ typkal (or the neiwhhochlxxJ :1.111.1 OOES NOT WlCCI the markel ...alue or future mw-kelabilll)l of
the subjecr.
The land valut: excccds Jll% u( Iclal vaJw. Thi.~ is due III Ihl: lur}!e sile o( the .~IIC, This ~ondlllt)1I is cun,11tkred to be
l)'plcal lln(J common I1IIJ DOES NOT WlL'Clthe markcl value or lUlure murkeluhHiI)' III the subjcc!.
Indi...idUIII odju.~unenu were R:l.luir\'tJ lhut e.-w:d 15%. These i1Jju1tmcnrs w\'re required due It) lack of f1111rt: similar
compurables on thut individual rutinW. All three l:ompurablcs arc the BEST A V AllABlE.
Tala! adjuslmenL'f e"ceed25%, 1111:1 is due 10 lhc Iud o( comparable :cales Ihol were more similar in the subject''f mwtel
ana. All three comparables art the BEST A V AJLADlE.
One or more comparable sales arc older thw) ,ill (6) munlh:i olll. AllhouVh Ihere arc cmnpurablc propenie~ ill the Jubj<<l's
&rea. none have $Old re,,:oll)'.lhere(ore. sale. in cxcessof ,~I" (6) n10lllhs old ha...e 10 be u.\Cd. Alllhree com(JlU'llbles used
we.. 'he BEST A V AllABlE.
One or more comparables u,'~ed were in CXl:es~ o( one (I) mile from subjecl property, Allhou~h Ihere are compuroble
properties In the immedillte area, 1I0ne huve ~uld recently, There(ore. iI Wa:i neres'WU)' It) use comparable sales oUL'fI~ 01
the immediate Dltll. All comparables u~d arc lllcatcLJ in !'limilar ncighbmhuoJ'f anJ wilhin the SMIe murketinl Wl!lI. All
Ihree comparables used were the BEST A V AILABlE.
The elcetrkuJ s)'!Hem WiU noll:OlIneCled durillj inspectioll,
The woler scrvice WDJII not t:tJoneclcd dunn" in~pcclil}n
Tho healing ,\)'!IIem wa.s ihUI down durinH 1I1'pt:dioll,
Roorllla,_P!umbinH____.Elccln~al___.ft:alinIL__~_l:elli(":aliun I,S ~uWI!l:Csled,
(naround 'fwlmminll pool._~_. oul buildinlls -L._._. in,ludeJ ..~, nOI hKludeJ __ lICcurdlnK to
lenderil ,uldelineil.
Accordinl to lenden wuilklmt:s a maximum ol __~_ al:rc~ were wllsiderl.'d for lhls valualloll, Rellluinin~ ncreule Will
livlllI rlO value:,
The ~ubjetl propen)' is IOI:at~J 011 II pri...lIle road.
Wood In(esll.l.lion inspt:~Il()n i., SUill!l:e~lcd
laM recorded deed IrOllhler: Dale--"",---.t.'~_:,,___._, C:()I1~lderall(ln: '--":'::.~.' _'::-!:_~._.._____.'
Proposed construcliol1/leoo\laliun In al.'Wrdlllll:e to plan" und spcci(j~aliuos It) be: completeJ in a wlJrkrl1lu\.like mwmer,
Seller ill payinll poriill' all o( closing ,osl,,,, '[hi, nops NOT IIrct:~'llhe O1al'k~'1 value ur IUlurl.' lTlurkelubihly or Ihc subjl!t:t.
All co"\purabh: .a1cs arc ~enlled dusctJ '1,ale'l,
There are nu '1pcdalwlhhllon'lllr other requllcrnclll'llhul wnuM .Ilkd mUlkcl \oaluc or tulure IIlUrkl.'lUbilllY 10 Ihl'l Ap.
prai,'Iill Report
Other:
6.)
~)'~tcm.'I whil:h i~ common lor IJIc W'CD.
9,)
,-
.
. ) I
,
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/-
71
.-...-.J.........._ ,____~.,_.
^l'pr.Il'\Ct
ke~iew Appral.'fer
"
,
DI'INITIQN 0' MARKET VALUE: Th, mOil probabl. ruie. Which. ptl)pllrl~ theuld bring In. compllllllVI Ind
open market und., IU condlllon. "qUill Ie 10 II 'lit IlIlIt, Ih, bu~.r Ino I,ll." ..eh Icllng prudttnUy, knowr.dg..bly
and ...umlng Ih, prlcl I. nol '''lcl.O by undulf IllmuhJl Impllcll 111 11m d"lnlllon III Ill. c;onlummlllon at II IIlu
I' of . .pICI".O dill and In, p.umg 01 11111 'rom ull,r 10 buy.r l.Indtlt con dill on 1 whll'ubv (1) bUvllt and lIIlI.,
.,. typically motivated, (2) bQlh p.rll.. .,. lull Inlormed 0' Will Idl/I..d, and uc;h QctlnlJ In whlll h. conlll:h.,1 1'111
ollln b.. I Inl'''", (3) . r...on,bl, 11m, II 4110Wld lor ..pO~Ut. In Ih, oP'" m.tkll. lot) pllymenl II mlldu In ,,'me
01 -=,ih,in US doll.,. (It In t.rmt at Ilnlnclll '''Inll,m.ntl comp'''ble Ihlf,.fO, and (IS) Ille ptlCU rlptnenll Ih.
n~rm.' contld.r.lIon tor Ih. p,op.,ly lold un.llilclod by Ipllel,l or c,.,'lwt IInllnclng or 11I1111 eonC.lllonl. g'lInhtd
b~ .n~on. ,..oel.l.d with Ih. ul.
,
.Adlu"rn."11 10 Ih. cOtnp.,.bllll mUll b. m.dl,llor IPIWIlI or cr!JlIlIv. I!nllnclf1g or ulul concelBlonl No .d)Ullm.nll
Ir. n.e....r~ lor Ihol. eotl. 'MhlCh II'. norm.lI~ plld by leUI"1 ... II ruulI 01 lradlllon Qr IIIW In I mark, I "11,
Ihn. eOllll It. rlldlly Idllnullabl. IlnCII Ih. I.II.r pltYI lhul. <:0111 In \llfl11.lIy .11 utl"l Irtn",Uor'll Sp.CIII 0'
Crt.!IvII tlnlnclng IdJullmenl1 tIn bu mad.. 10 Ih.. compllrllblu propurly by ComplJlIlOnl to Imunclnu lurm. Illl!Jrud
by . Ihlrd p.rly Inllllulh.lnll Ilnder thlll II nol Olrllitdy In....olvud 111 lhq prllplH1\f or Irllnldcllon Any 4d)Ullrnlnl
Ihould nol b. cth:ul.lIfd on . m.chllnlclIl dollllr lor dollllr co.f of ifill Ilnllnclnu 01 COnell"IrJn, bul Ihe dollllr
.mounl ot .n)' ,dJullm.nt Ihould Ipproalmlllo lhl' mnrkola rUQcllQn 10 Ihll 1I11oncIMg or conCllIllonl baud on Ihe
Ippr.'I."1 Judgmenl
STATEMENT OF LIMITING CONOITIONS ANO APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: Thu apprlllUI'1 CUllItlellllon Ihul appuurl 1M Ihll IIpprllllll roporl
i. lubl.cllO Ih. lollowlng condllionl
Tne 'pPlll..r will nOI bo r.,ponllbl. lor miltlurI 01 I leg.1 nlltur. Ihot alll.cl ollher lho propurly baing appralud
or Ih. Uti. 10 II Tho .ppraller anuma. Ihal Ih_ IIUII II good and mark.lable and, Ihurolort, .....11) nol render ""10'
opinion I aboullh.liIt. Th. proparly il ap~ralSed on th., bUll 01 II bUlng under r.lponllblo ownerlhlp
2 Th. .ppr.I..r hal provld.d I Iklleh In Ih.. Ipprlllllll "port 10 Ihow approllmlllo dlmllnllonl 01 11'1, Improvemenll
end 11'1. ,k.lch I. !nclud.d only 10 IIlill Ih8 tUllder 01 the ruporl In \llaulllllng the propurly Md undanl8ndlng lhe
Ippral..r'l d.lermlnaUon 01 III Iln
3 The .pp,.ll.r hili e..mined lhe a\llllabl.. lIood mapl thaI are prOVided by th. Fodurol Emargency Mtlnagomonl
Ag.r'lcy (or olher dat. aourell) and hili nolod In 11'1. appr811111 roporl whelh.r Iho lublecl 1110 i. localed in an
Id.ntl'l.d Sp.ol., .zlood H.zard Arel aeCOUllt the appral..r II not /I IUr\l8yor, 1'10 or Ihe makn no guaranle..,
..prau 0' Implied, regarding Ihl. detarmlnl1llon
4 n'e .pprai..r will not gl\ll IUlllmony or oPPollr In court bucllulG ho or Ihu modu an IIpprolul 0111'1, propI"y If'I
'1ua.Uon, fJnl... IpICII" arranglmantllo dl) 10 IllllVI boen moda bulorehllnd
5 Th. apprtl..r ha. elllmotod Ih. \laliJo 01 lhe land In the COil lIIpproach 01 III hlgholl and bOIl UIII 4nd Ihll
Improllamlnt. al 11'1.1, cOnlrlbUlory \lalua Thl npo"It \lllluollon. 01 thl land and Impro.....menl. mu.1 not be
ulld In conjunction wllh .ny l'llhar appralul and ar. Involld il thay .r. '0 uled
e The 'pp,.I.er h.. nolud In thl .ppralllll tepor! Bny IIdvlra. <:ondilionl (Iuch 81, noodod rop"I", depreelaMn, Ih.
pralanea 01 hAurdoul wnlal, lo.le tub.ta'lcln, ale) oblarvud dUring tha Inapa<:tlon 01 Iho lublocl properly or Ihal
ha or .h. be"",e awlte 0' during the normal r....areh Invol\lad In parformlng lha opprllll~1I1 Unle.. olhlHWI'" 1IIIIed
In Ihe Ipprahlll reporl, Ih. appraillr htll no k',01"lodgl ot ony hidden I)r unapptlranl condillonl 01 Ih. properly or
adv".. environmental condition. (Including Ih. prusenca 01 hOlardoul wlllltll, 101lc luballlncel, ale) Ihal would
make Ina p,operly mora or lau \lllluable, and h81 allumod Ih41 there aro no such condlllonll and mekel no
gua,anlll. or warranlln, a.pr... or Impllud, ftlQa,dlng Ihe <:ondlllon 01 11'10 properly The appralur Will nal be
rllpo"alolll for ary luch condlllonl Ihal do 8~111 or for IIny unglnelttlng or IlIItlng that mlghl b. raquittd 10 dllColler
wh.lhor luch condillonl ..Ial BoCluu Inu llpprlll..r II 1'101 an e.pon In Ihtl Uald 01 onvlrflnmQnlBI hl18rd., lho
appral,al rapot! mUll nol ba conllderod IIIlIn on\flror'lmenlalllluumenl of 11'10 property
7 The .ppral..r obl.lned lhe In'ormallon, oahmat.a, and opinions Ihol wero .lprAlSed 1M 11'10 appralul reporl Irom
lour,a. Ih.1 h. or 11'1. con SidOti 10 bo reliobla Rnd blllltl\lal Ihem 10 be lruo and ClJrrecl Tho npprailar dO.1 1'101
.lIuma ra,pontlbiHly fo' the accuracy 01 Iud'! Heml thaI lIIorllurntahod by olhor partlYI
I Tha eppr'lt.r Will nol dlsclo.. 11'1. conlonl. 01 Ihe dpprallol report a.capl 01 provldud lor I" 11'1. Unllorm
SlIndarda 01 Prolelllonel Appralul Prectica
g Th. appralur hu Dalad 1'111 or har dppralul raporl and veluallon conelullon lor .n IIpprnl141 lhel Is subJecl 10
IlIl,'.olory compl.tlon, rap'lrl, or altllrtUionl on Iha a..umpllon thaI complallun 01 Ihe l/lIprovtlmonll will be
ptrlorm.d In . workm.nliko manner
10 Tha appr.I.., mU'1 provldu hll or hor prior wrllfan conlent bQ!oru Ihe landericllonl apuclllad 11\ IhQ OPP'1I1181
r.~orl eal1 11.ltlOula 11'1. .ppral..1 r.porl (including conclullonl al:loul lhtl properly vuiue. the appralaar'. Id8nlit~
and prola..ional dllilgn.lIon., and relurencol to any prolalllonal 8ppttlllol o'oonllllllonl or Iho firm wUh which Iho
,ppI.I.., II .1lI0ci.led) 10 anyona ottlltr Ihltn thlt borrows" Ihll mortgnlJuo or Ita IljCCUlnorft Ilnd 11lllignl, thtl mortlJllga
In.urar, consultanll, prolOUlOnal apprdlul orgllnlullon., "'1'110' !\lalo or hlldorl1l!y apprO\lod 'IMnnellll inallluflon, or any
dIParlm.nl, .gancy, or Inlurumenldllly 01 lhe Untlad Statea or any atlll. or Ihll Olllrlel 01 Columbia, ole.pl thai
lht lendar/ellant may dlllnbulo Ihtl properly deSCription 'tlCllon of tho l'OpOtl only to dUllt collo<:llo/1 or raportlng
Itrvlca(l) Wllhoul 1\II\1lng 10 ol)lllln Iho llppralltlr'a prior wrl!lOrl COnGllnl Tho IIpprltllltt't -Imllu/1 cona..nl and
'pprQval mUll .'1" bl otltlll!nud ba'or. fho IIpprallal CM tin eonv8Ylld hy anyone to 11'1" pubilr. Ihrough ad\lorUllnl),
publiC rel.tlonl, neWI, ..111I, or Olher m.dlll
~r.ddla Mac:~orm 439 &.93
PaUlfol2
F41111111MuForrn 1004116.03
'd'~Q "..au,
APPRAIBEfI'S CEflTIFICATION: Th" A",prUlIlH ClIrllli.1 und .0ruuI Ihal
~
1 I hl~1 r....rch.d III. IUt.,'CI mlrk., .r'l Ind hl~' 111"I,d . minimum ot Ihr" rlClnl ..In 0' prop.rll" moil
Ilmll.r Ind pro.lmll. 10 Ih., lubllCI prop,rly lor conlldar..llon In 1111 ..in comp.rllon Inaiylll Ifld hl~1 mid. .
doU.r Idjullm'nl \lll1I.n Ipproprl,'a 10 r.'leel Ihl n'lrkll rl""an 10 Ihol. i1aml a' IlonlllClnl ~.rIIUon II .
Ilflnlllc.nl 111m In , compllabll ptop.rly II luplrlor 10, or mar, In~oflbl, Ihan, Ih, IUbj'CI proplrly. I have m.d,
I n';'ll~e Idlullmenl 10 reduc, Ihl cdlullld "'.1 p,lCI III Ihll compltlbll and, I' I Ilon.'lcant II,m In I camp."bl.
prop.rl., .. InhUlor la, or I... 'Iwar.blll Ihtln Ih. lubJOCI prop.,ly, I h.v. mauu . pallll~' odlullmltfll 10 Incr..llt 1110
'dIUII'1iI "'.1 prlc, ollh. comper.bl,
:I I hl~1 Ilk.n Inlo conlldar.llon Ih. laclll" Ihll halflf In Implcl on v.lult In my d,vllapmenl 01 Ihu .lllmal, 01
markll ~.Iu. In Ih. l",pr'I181 rlporl I ha~. nol knOWingly \IIIllhhold .ny Ilgnt'I"nl Inlormollan Irom Ih. 'PPflllll
""arl Ind I b.IlI~I, hJ Ih. b'll 01 my knowledge Ihll all 1111.mlnll .nd mlormllllon 10 thl Ipprlll.' raporl III
Iru'lndcorrlc!
3 I "lllId in th. I",P"IIII r.porl only my own pe1l0nl1l, unbllUd, .nd prol,ulonol anaIYII., Opinion., Ind
conclUllonl, which ... IYblUCI only 10 Ihl conllng,nllnd limlltng Cllndlllonl 1","lllld In Ihll torm
4 I hllfl no p"..nl or prOlplCllWQ mler,11 In lhl ",roplrly Ihll II Ih. IUbJIC! 10 Ihll r'porl, and I hllVI no pr,..nl
or prolplCllvl p,,.onll Internl at bUll wllh ra.pocl 10 Ih. partlclp,ntl In Ihl Irlrulcllon I did nol b..., OIlh.,
PIt!l'Uy or compi,'.,y, my Inalylll Indfor Ih, IIllmlte 01 mlrklt ~llue In Ihl Ipprlllul rlpiJrI on Ihl r"e, color,
religion, ..., hlndicajJ, "mlllal .IIIYI, or "aUonal orIgin 0' IIlh., Ihe pfOlplCUlfO own.,1 or oCcuplnl1 01 Ihe lublOCl
prOptfly or of th. pr"lfll O'lIIn.,. or OCcup'nl. 0' Ih. ptOp.rll., In Ih. vu:lnlly ollh. lubllCI proplltly
II I hllf' no p"..nl or conl,mpll'ed lulure Intar," In 1118 .ubltcl properly, Ind nllllhgr my Cy"'nl or lutur.
Imploym"nt nor my complnlltlon lor p.rlormlng Ihll Ippre.ul II tonllnOI"1 on th8 .pprllud \lalu. 01 Ih, prOp.,ly
· I WII nOI required 10 raporl I pttdll.rmlnld v.lul or dlr8cllon In v.lu. Ih.1 IllfOrt Ih. ClUlr at Ihe clllnl or
.ny r.I"ld parly, Ih. Imount. 01 Ihl value .lllml'l, Ihl .nlinm,nf 01 I IPICllle: rlluil, or Ih, occurrencl 01 I
lubllqulnl 8111"1 In or..1er 10 rQClI~1 my tomplnullon Indlor Imploymlnl lor p.,'ormlng, Ii'll .ppra...I, I did nOI
b"t I"e 'Ppfllul reporr on e rtqynhld minimum Wllullion, I IplClllt nlulllon, or Ii'll nUld 10 Ipprovl . Iplt:lllc
mottgagt lo.n
7 I per'ormld Ihll Ipprallll In conlormlly Wllh Ihl Unllorm Slandardl 01 Prol'''lon,1 Apprlllill PrlcllCI Ihal wire
IdOpltd Ind promulgllld by Ihl ,l,PPfllul Sllndardl Bo.rd 01 Th. Appral.11 Foundlllon Ind Ihol w.re In pI". ..
nr Ii'll '''acllvl dill 01 Ihll .pprallll wllh Ihe l.c8pllon 01 tho d.parMe pralflllon ot fhol. Slandardl, \IIIhlch dOli
nol Ipply I ICknowl'dgl Ihll In lIumll. at . rltllonable 11m. 'or ,.polyre In Ih, apiI'. fI1arkaf II I cr.lndllion In
Ihl d,'lnIIlon 01 mlll'k.1 vIIYI Ind lhl IIlIlmlll I delfeloPld II con.II'lnl wllh Ihe mlrkollng 11m" naled In Ih,
nllghborhood ,"clion at lhll raporl, un II" I h.vI olhltWI'1 1II1I'd in Ih. raconClllaflon IIcllon
· I hl~' partonllly Inlp.cted 'h, InlfU!or and '.lIltlor "'tll 01 Ihe lubj"l proporly Ind 'ho ollerlor at In praparlll'
1I.lId II comperabllll In lh, .pprallDl roporl I lurther c.rllf", Ihal I hlvo nol8d any Ipparenl or known ~dlf""
condlllon. In Ih. lIublacl Impro~,mllnrl, on Ihe lubl"l Illl, or an .ny .111 \IIIllhln Ih. Immodlall ~Icinlly 01 Ihl
lublltl properly 01 which I 1m I'lllIre Ind h.~1 midI Idlu.lmln'l lor 'h..e .d~.r.. condlllonl In my InalYll1 at
Ih, properly Ifllu, 10 Ii'll 1IIInl Ihll I h.d m"hl 1~ld.ncI 10 lupporl Ihom I hllfl 11'0 commln'ld Iboul Ih.
e"ltl at Ii'll .dlfer.. condlllonl on Ihl markltlblllly Ollhl lubllCl proparly
e I p"lonallY praplred ,II conclUllonl and opinion I Ibout the real tulall lhat Wlr. '01 lotlh In Ih, Ipprallal reporl
It I railed on II;nll.c.nt pro,...lonll ..,llllrce Irom .ny Indl~lduII or IndllfldYll1 In Ihl partorm.nct of Ihe
IPpfl11l1 or Ih, prepar".an 01 Ihl appralll.1 reporl, I h.w. n.m.d luch Indlllldull(II) Ind dllClo..d Ihe IplCifio lulu
p"formld by Ihlm In 'hi raconcllllllon "cllon 0' thll a"pralul raporl I corllly lhlll any Indl~lduII 10 namld I.
qUlllllel1 10 parlorm Ihl lllk. I hllfO not aulhr.lmod "nyone 10 melll I ChIn go 10 Iny Il'm In Ihe report; Iherl'ora,
II In unlUlhorlZld chllnge II mId. 10 the Ipptlllll raport. I will Iilk, no '.Ipon.lblllly tor II
SUPERVISORY APPRAISER'S CERTIFICATION:II II luparlfllorYlpprllll.r Ilgn,d Ih, Ipprlllll roporl, h, or Ihe
c.,IUI'1 Ind agllllllhll I dlrar.lly 'Yp"~II. Ih, Ipprailltr who praparad Ihl Ipprallll rlporl, hllll ra~l.w.d Ihe appral.11
raporl, Ig,." Wllh Ihl lIalumenll I"d conclul!llan. 01 Ihe IpprlllQr, .gral to f1, bound by Iho apprlolur'l car'illclllonl
number.d 41hrough 7 .bOlfl, Ind.m liking lull r.IPnnllblllly lor Ih. .pprellll.nd Ih. Ippralllr raporl
ADDRESS OF PROPERTY APPRAISED:
Ii Old Ston.houl. Road
APPRAISER:
Slgn.'url .tCJ
Nlm. DI~__91Ll:'-- --\. ,
Oil. Slgnld A\liUtt. 2, 19t.
Stili C.tlI'lullon' IU.-001.51t~L
orSl.I.LICln..,
Sllll ,~
bPlf.UlIn 0.'1 01 CtllillWlon Of llc.nu
I/~Q/97
SUPERYIS9flHPPRAISER idnl", "q",,,dl
. ) I ++
SIU"~!llr. .)-,. . '//-"//-
Nam. 'TlvaN If. aAU.&1''1', SItAr s~~
Oar. Slgnld AUi\ltt 21 UII
Slall CllrlllinllOI\' QA"000291-L
or III,r., lIr.'I\IIl' Q-02U21-A
SI~11l 'A
hplI.llIlln 0,11 01 Cerlllltallan or llc.nu '/30/"
x Old 01(1 Nnlln~n.cl PH11l8l!y
~"ddl.Mlc'ofm43l) 8-93
P,g.2o'2
f.nllll M.1l Porm 100488,1)3
';'1"- ~ 11t"11"I." 11'1'1 "I ,It ,'11 ~bl!
'1' ,
.
..
APPRAISAL OF
THE PROPERTY LOCATED AT
81 Old Stonehou.. Roed
Ce,II.le, PA 17013
ASOP:
Julv 23, 1996
'OR
ATTORNEY MARIA COGNETTI
200 Nort~ T~I'd Slreo'
121~. Floor, P.O. Box 689
Harrisburg. PA 17108.0689
av
STEVEN W. BARRETT REAL !:STATE
124 N. Hanover Strool
Carllllo, PA 17013
,..."" 0...,1.".. UNIFORM RESIDENTIAL APPRAISAL REPORT .". No,
!'apt'IJAd'.'.'~' .1 ,014 Uonlhliua.. '.old l:'l~ Clflhh. hl,l, fA Iljl CO<1.
L..I.,u~H!IPtlnn D..~ IQOk ,u-a, plge '70 I 'I""I~ Cwnberland.
f ,~.I!mDr. P,r~~1 ~IJ :U-OI.Ul-Jl l~. VU, n/U!l1 rm. ':lnq,.t!) lipHl.' ~!~~."'.,,!.
IklJtawl' ,..,t ,n.. w, nr,ul'"" r"","!I)\lin" WJ., nl ,,... 110'"11,,,, ill: l Ill"II" I I I'"ftl"
P'a~I'ly II III.. ,tllt~ '''Ii1m~l. 'I UI.ho!ld PIll",II)II' 1'1,11 I C<llIrt'uH"""nIIIIIIIlNA urll I lilJA' NI J
"~IIMIOlh.oot'lr!,Jl.lJ.~t N~m. ,I,U"'I 'pring. Town.hip M~IIIIIIIFI~II '.'~71 l:.nM tlld OUI1, 00
,~~ ~rlt" · HI A Oil. of fhl. HI A IJeI'-"pllnn 111<1 . IlnUljlllll! llitn (tIMI\1'''~IIII~llllllnllu II. PI'd by 1111'1 NI A
ll~dlI/CII.nt Attorn.y Mad. Cognltt1 A~d"lI .200 NOEth Thhd, 5tl'..t. Hln'htnoll'g, VA
.QOIIIIII IltANl!. u "'1,1'1" 126 N"'....h .u r, pl~.l, PA 17nl't
(u"llon ',_.~ (JIllln,.I.' bllll~IUIIl I--.! "'J'," "Idamlnul I ~Irl'" IlmU, "IlNII~"1 I 'tUUI1IIIII u, ~ I llnd 1111 llllny.
BUill u~ I _J O~II l~' I...' 1~ Ib'l\. 1"-" II"~II 1~' I aUN'lne, . ilHWI IV'I) Ill. 'Imlly 60 .il /lllll ,~.Iy
GIOlllhlllfl .....I"IIII~ )_I1sllbll :._J !iI'I.... .}I')~'" 10 Ill.... New I /41,rrIIIV 0 X'IIlUIU'111
~IOPllrv"luu ... 101flUIIIlg 1_.1Sllbll ! .,' ()'l.lIn",~ Ii "11'1 1.09 IIIQh JOO "'dl'JII,ly 0 1'1 P-t.1denthl
Olmlndll~PUI~~, tiMunlO' i,J1!,"n'llflll /',._IIJIIIILlUIIIV : j1J:VoI,j"III)~"'1 JIl'IIII1'P1Ul~11I ; l'IIPI"lOll(lnl 0 I
"',I.llthlllml i unllulmIJlI'. lllmlll 1 fl."lIITlnl I 'V,IIIlII'''''.''1 1'111. '.,'11. V......n.. 40
,.111 "... U, ... "1141 ..m,UUI.. If ,., ulg~hr.OId "' nall....I..lllCla'.
I 'UlghbolhoodbOY~~IIlIllnll~hllll!lfllllcl lIo\.lnded on thl nQrth by flnn,ylv.n.1.. 1'1.lrnplk.. on the e..t by
lIIghlnlgltllUQ loro\lgh. on the Ifl.t by Clrlhll IOE'o'~gh .nd on the louth by Route '''1 I
'''1011 Inll IHItI 11\1 ml'~'!lbllll~ II' Ih. PIOPIIII.. III !hI IlI'inll!lIIIIHI~ (~II"'PTlll~ lu IInfllllj,n,ht In~ 111111111111, ,rT'llhlVllllnl il.iblllrv IPIIUI II) 'nal.'!. 1ft;
1hlr. Ir. OQ IdVII.. 'actor. to .ft.ct ~rkltlb111ty of .u~j.ct. Dlv.r'l .table ~lo~nt Ind
Ill. 'ijpPoE't1ng illMn1tl" II'. tt.ith.in IUy ddv1ng cj1.tlnc;lI. $HSA 42~Ja40-41
,,'
Summ.ry Appr.11I1 R.pOII
CIlIlJ ,
lu;:_nl,u;
17013
',lfl."
I I ~~flHI
""
,!II'''V
"'11'11 (or4'lio~1 ,n Itl' ILlbjltl IIllglll!l!","r.~ I'nl,lilo.ng IIJ~I"III In' 11'1 11m.. 'IIII"'IJIII111, 'l'll',j h) II', 1I'IId 01 111;11"'1'; ~al<lll Uln~"dillllllll~, ."~ III"~IIIOY IIPTII
'. luth II ~.II un ~'lPnp.hllil p'llnllllll lill I~I. 'r! II., n,'~IIIII)PI""JI! ,tnH!lVII[11t 1;1 lit" 111...1"1<'1 nl Ul"~ ~I)d 11"11I1,"Lg [(III(lIlll)nl I!( )
iropeEty ..1.1 rlcord. and MLS .tltiatiQ, .how I .t.tdy moder.te 1ncr.... in property vIlul.
QYWrp..t yelr. AVlr.go markQtinq time of 80-100 dlya 1n ar.. ,hOWl I g~~~ blllnQe of lupply
1Il~ _n~,
" ",j..1 t,'llmlllu fa, 'UO. III IIJpIICI~111 '1111' ~IV.llJp'I,IIII"d., In UIIlI,,)1 01 "'11'''''''1)....11.11' Allll\1111111111'OAI? I
~ A~g'a'ltnltl 101.1 numlll' aluMlln Ih'llIbl'~1 P"lllr.t NI A 'll~'[)'lm'I!.I'l/lf ~~mnl' 1)1 '1I111111l/lallln IhllllbllCl PlOflCl
D.W!l11 cammM ,llm.nl'lf'~ 1I~'IlIlIl!nllllrllrll.. N I A.
Dlm.nlllllll II'. legll d.."dpt!on
IlIlItU 10.33 ICEe. (tu rlc:otda)
IPlellle 1O~lng ~IIUln~llllln In~ 4U~II~tIO~ ~ Agr1cultl,u:e .--.
lanln.,.".mPI.".".CI I xiI,.,,, I I llgll.OOPlCOll!O'"1Ing ,I;'I",""",~ ."1
. ~Ijnll!' ~!II YII 1_~cnp'Q~U .Xl.I'IIII"I'lll! 1 011I11111111111"""1
I :I::II:II~~~ 1'~"~b1" OIh" E:~~',:,,':"""~~:~~""
Willi W.' 1 !i1~'''''JIM Nonl
:::~;,~,:" ., se;c.o :::,';"""" ~~~: r-i H
Camm.nll (lp~llInl l~vlrJl IIlIm,"t5, '''~IIII~l1rn'P1I! l(l~(IJI Jl!8BIT1"111 lil~1 118~1 IIII~.I <II I.g~.
'ommen_lor .r",.na hlv, no Idver,. e(t.ct on me~k.t.b.1.1!ty,
OF 0" or ~..
(jE~E"Al Of sell lilT ION
NooIIJ,!l11
No 015101111
l~gIID.I IAn)
I Olllgnlal';lll
hlltlngll'IoPolI~
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"!l9~~ fayll
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Imp,ovement. ..e ~n ,vlt.g, condition w~th no phytical 0: function.l .1.n.d.qu4~te. app.r.nt,
r.O"lt;.y IhQ'f' d,'.rnr! ~~ntel1ance on extet1Qr, 1ntlr.1.Qr pa1nt1ng, w.1.ndowf r-'Plh. 101M
.~..h.nq damoqe4,
"~."" Inlll!)lIln,nlll Wlldll"I"1 11",11 <II 1"'1 '".1 1i'111111L1 III '\,1<.11,11:',\ ,",1',11', II"" 1,,1"1.11'<", ~II I 1""',d'l 1'1 11', ""II""'HI'~<dl I'" Ihl Idd ,IP II' II'd
Ilnml~llI. ~le;IIlI~ IIr Ih4 "11l1'r.! ~'"I)I'IV
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f.THlIQIIOfht;111!llllm
f<lLl~d~/llIn Pou".d Concretl
I.fllin! W~III Br-t,.;k/'1'Ul
Hno' !1L1I1~ce $h.l.ngl.
(julllll "1l....P1l~l~ Alum1nwn
Wln~ow r~p. Co\l.bl. Hung
Sfmmi5c,unl Ixi.t1ng
\l.nll!ttIUIBI!HllIlIl N,
Il'~'ni ~11[n.n
Illa"HlIIIS
IIJIJ~[)AIION
51,11
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lj1utial
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Non. Obs '.
Non. Obi.
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fl~llnUllfl ,'on 'ad'!:IHII~'''1
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Willi
rlllPlifI~llh
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.
" Il~tl"lfI'lll\
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11.11,~",ln,t"
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IJ I ~1l""'1~ 111'
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1
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1"11 &l.c;tr.l.c
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COOlINr.
ArlC
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Hod/C.rpec/Vinyl
DI'YW.U,
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AdUIIIO"11 lutYIU lI~'tlll .'lllg~
'''''\111''1
In'I.I~"1 II!"'~, ~IL. I
S.. .dd1Uond Clo",""ne., . .
i ,,,""",,""' ,", """""'"'",,,,
'1~II'!"llllllrI 1111\,'1'1.,11
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'~II"'I \ ""d"I~LI 1'I.lld'/
I 'I~~' lhl. h,,,, Ie III
'.'1.11
-
1".',1',1.
".'.1,,,.,,.'1","1""',\1,.'" ,HIIIJI'.."'I';
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,
i
IIJIIO~I"III~ ~ol.l.l.ng
Sill Typic.l tor u..
SI'~IJI .tl'r.~l.l'
1J',]III~gl Ad.qylt.
V'IW Opln Count ry
1 alltlm~l~g Av.r.gtll
IlltVftWIl1 Surfac, Kt.cldam
Apll,lrt'll m.m81111 Non. indi'rt.d__
!1''''ASIJICIIIII''lldHIlI'~AI'' r V'I I xl/lll
HMA lu", C "'~p 1l~1. 'lallJ
HI,l"MI~ljI) 420370 OO:UB
nlln'[iI,!m~II~~ WIling lISt, lie I WllJ./S'llt1a
T~.~. I;. nQ .dv.r.. ..'~nt.,
I'IIY,ll.
I]
I
3
IIASI Mf~1 Ir.SlJl"!IO~
A,uS~ II 1170 IlulIl ~
'Y. f IIIIII'I~ 40 C~lIlPlg
1:'llllIg P;ywal1 Walls
W.;I~ D<yw.l1 flOO! ''''j
Ilmll CUPit ~[JIIa h
,hJl<.lLlaf"IIV &:5Fo..d Llnk~llwn
111.11'1 l aLln~"I 011'" A'uSq ft
US
1 1 ~,7~0
~ 1,170
Ilallllll
AMI~'llf~
2. RRn 'i'lllilr' 'nl 01 (JIIIU liilllG "II~
CA/l'ilOllAi1r
.
"IIIII'd[!lIII J I"' ~<I"d
1',111<1 ~ li,'IJ~' I nl l"'~
;1~"M 1 Allillll~,! ~
1'1)1[11 -I IlII_Ch8d
'lI
IIII<.~ 1'1 Ili,,'IIM
1'11111 CdlUilPI
r , IlIlV8.....d~ ./M.c
of r:IH'SIII"I"'~ "'""I!&IIHYI,111Lllllllnl 811'
I", ...,.,,1 .'W:II;!rj)1
,
..
Summ.ry Appr.I..1 Reporl
UNIFORM RESIDENTIAL APPRAISAL REPORT "'.N"
., 10.000 1:1i'lltll,'1I1 1111 lllll AIJlII<l~lh (1"(1, II IUtill,' 'It I<lU 1I1111l~1.
III, ~,llj', Iq"." 111(11 l"I,,,I~II(I01, .,,~ fill tHill, ..... 'lid Iml'A, !tl.
HlIm.lId """'1"1'11 'l.'mU""~ III. ul I~I P'UIl.It~) Coat. n..
froDa tsa.uhlU 5w1l" V.luIIOJr.on 11.rv1,.
Hln4book .n~ loull go.~ .nlly,1..Llnd
v.lya from Harlr.lt DIU COUWlrhon.
Dlpz-Ig1at1on ba..1i on .gl, lU, ob.lnlQ
cond.t.oD .nd HI.k.t g.l. An.ly...,
lilt.unated P.ula1n1nv lr;:onomJ,t: Lit, 40 to
.., y..n.
CIUII'
. Vlhl.llon S.ollon
UTIMA/((I "Ill \lALUE
'ITIM.-rED IIEPflOOUCTIOHCQlU MW Of ItoA""lJ\lt~I~'~
i O..IUAI ~..a.....Q. IQ fll' fO.OO.S 172.100
I "_t, 1.170" "u U,OO 17.550
ro.ohInItl1.u 20,000
f allllllC,llHIlt '03' 5q HO' 13.00 '.2U
TOlllhllm.t.tlCafIH.lIII .1 211..4.
LIU 11,.' Phymll FlIlltllM.1 hll!l'~1
C.gr'Clltlon a~. 000 .1
DlplHlllUVllulIII l,"jJla~lmln!. ..s
'AI'II' VtlUI 01 11I1 Irnp'lI~I/lI.nll . I
INDICAJlO VAlur IV COlfA"1I0ACH '1. . I
. . mM. J liIJ~J[~T c:n"'IIAIlAUI [IIU I j:m,lI'AIlAIII f ~o J I CIlMPAI1AUIl NlJ ) ,
11 Old Stonehou,. Ro.d 231 Ridge Driv. 1647 W..t Old York 133 Brindle Road
A~d!"~ C'1'1.i..lr-~"~ CII',U,Il. Ro.c1, ClrJ,hJ.e I HleA.n.1c'buf/iJ
Ptallmll)' In liubJICf __ _ ," moll. 1Q N.J... ~/l '_mUll mil
S!'!sPnu . N/A Is Jl0~OOOr .II a.o,ooo ____ . _ Js .aa~.gQQ
PrlClIl\lnUll~AIII I I1II lO.',UI/[ ,I ~(L8~'/11.a5.Jll s ".J51~12".Q.o
Ollunalat In'p.ction CouEthou.. Recol"d. 'CoUI'thou.. Record. COuI'thoue. ReeoEd,
V.!nrlt.llun !uute.. App".I.t...r'l D.te I Appre"..r;'. Cate turf.! Qatl
'(~l~~!-9..JU~I_YE~'5 ~[~!:,~l!rl~!l)/'j. Ilt!iCIIIIlIIIl~, 'II'~"J"I.' .', r Oltil:nllllll)/'j '1)'''''1.1'''''1 1l1~r.I'II'TI(l~
lall.01 flnlnclng Hone, Cony I None, Cony
tunclUlanl LION Vnknown I DOH 45 mil
::i'13'iT.I::: 7/31195 15/91
I~urb.n luburb.n I Sllborb.n
r.. 1l.q>1. F.. 1l.q>1. ,Fl. S~lo
.10 """./Gd, 1,1 ""r"/G<!, +16.000110,9 Acr../Q,
P'1I4/Cgunt... lIe.dICguntry. 11II.4/Cglll\try:
2.U....IAlGdI C.p.Cgd/A/G<!, 12 Stg.y/A/Gd
A....g./<i</od Good . ,-10. OQOIAv...ge/Qgod,
19 Y'I~I. ,ai, Y..n ; t5, 0001' 9 I..r.
A....g./G.od A.....g./Gogd, <i</o4,
~"':'. :,:~-~: ;',., II;'; I!;I. ;':'; +1, 0001 Ii;' : Ik~l: ;'~'~
a.ISQ Sq fl 2.872 Sq fI 1,,478 Sq II
Full Samt Full Sarmt [' ruB Bernt
rR/l<ec Room fR/I<<<. ~.om vntlnhh.d
AVlrag, Av.~.g. IAv,rlgt
Ht 'omp/CA QIHtPump/CA, -2.500[lIt fomp/CA
,TW1c.1 . Typ1~11 i Typical
2.. Cn Gnage 2 Cn G...ge, i 2 Cn Q...g..
Porch Deck./Porch. -5,0001 Porch/Covd, :
.3 Ur.plIc.. 3F...plIc.., "'lio/F".
n.bl.. P.Uch.d -20,000140128 SUbie,
._,..._.....__r.'e~~(:f~:l 1MQOi[GI' fl:,/' J. 600[.1:L.,...[&L:]'.
G.-C..19,2' i Gro..l4:. 8t QKo..2.!l.:U
.-----..__..1I.r.....'..0\;1, 294,5001l.t .1.'" HJ..6001l.t.","'" a12,I00
tammlnll un 5Ilu CompllI,en (IncluOlng I~' subjIC1 prupell~'1 ClJrnpIIIP.I,iV lu 1111 nIIQII~Olhr)~~, "e) S\l.bj,c:t -i.. 1;01Tlf.t1tJle w10th
na.1Qbt1QEhQQd"pJ:oPlrt.1... S11!:l' COIf'F.rhon Anllyl1. .hoWI I VIll.ll ling. of $212,000 to
J3J'~~OOL mAin, of Oa'4,OOO WI. .1nd\<:et,a. Comp.~.bl. ~1 04' ~pgr.d'd k1t~h'n w1th <:0(.18n
g,Q\U\tl.rtOfl.. H.i..todc.11y, pl'QPlrt1l. ave; $~OO. 000 relJl,l.1r;. a long.l" than nQmll mUk.tJ,ng
U....n.
25,000
1~3, IU
10,000
, . { J' ~'I'." 1'1
_~!~~! ~!',~,rrl~1
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, . ::!~ ~I:~:~ AIIf,
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f1aomllhlawa'ldl
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G"~i!~~~rl.
POleh,P.lla, OWl.
flllpllt'(lj,IIC
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[None, Cony
POll Iii
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SIlb.rb.n
r.. 8111\>10
15 Ao/Good
1II.4ICou.....,
2 Story/A/Gd,
Av...g./Qg.4;
-5,000 5 ~..n
'5. 000 Qoo~
-5,000
-5.000
+5,000
IL.'II'IIrI"1
!lilt.
-1.000 9 ,5 : J
+10,100 J,85i '< "
I full Bllmt
+'.000 CUlfhp,c.
I A..no.
OFKA/CA
II TYI'I'.l ,
2 Cor G...g..
-2,500, Porch
+2,OooI1,FlnN.c. ,
Hona ,
-H.400
tlO,OOO
+2.000
t5,OOO
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arCamplr.bll
12,400
- -.,-. ~J!,---'!_" _ I ~.I!Ij,!~cr r;!IMPMlAHI E 'll} 1 COM,lAHMHE ~I) 1
O.I'PncI.ndO.11 /2/13/15 HIlt. !N/A
So. "".I"~'Pllorlllll $155,000 Courthous. Records i Court.houdI. Records
.~~~~.!.n I'.!' 1!.'}p~t~~I~! ~ GHR :
Anll~II' or In~ CUlllnf 19'..mlnl 01 5.11, oollon. ur Ilsllng III 1110 IlJI11~:t IIU]Ultly ~IHj In41}'I'llIl iI"V DI:Ul 1~;'1 or !llh!ld i1I1J (,)ml]I!.[llu wdhlr] on111at 01 [hI ~It. uf IPDtJIUI
No-.pdoJ' _..1.. "~t.hln PUt. y..;-,
WMPAll_MI ~ ~o J
H/A
Courthou.. Records
IIfOICAUO VALue.'t UtEl CgM'AIIIIOH m~OACH S ;iI""O,OOO
INOICATlO VALIIIIY INCOM'..P'ROACH II A lllllCatlle 1:'H"",lutl ~h"~1 >I~"t' NI J.. ,Mo, 1;,,]\, 11~'lt I\IlllIl(llie' _ I
Thl' I~prlllllll madl X 'Ull' ! Iljt11lCI In '110 IIfllld \ Jllwr .1111']':, '11~lr~!:t1IHIS 'I' ,rll]~,II""1 il,I~<1 1lIIIJIlI I I s"I]I~I;1 In (l)1']II'I',no II!! tJ'JIII ;nd 11)!~IJlrJllnlll
Condl!la!lIa'AllQlIlUI 'lhtl PI:OPI;ty t'i., b.ln IPpnlUd 1n t;~rr'llt conljition, Th,h: tppnl.ul ,i,.s tor the
;lilnt only, nont"n'f.r.blt1, S.. 4tttch.a ~dd~ndurn,
FlfllllhconC:II.tlon COlt, .nd Hallelt An41ya,1. Qon.t1tt.nth' IUPPQrt "'Y .It-Lmlttld lNI;ktt Yllu.. GRH
I Analy.J.a WII 'ound inlwrop;1lte for thL. .nlly.h, O","t.,t wlight .1. appUtd to the KIUklt.
glc.1 AnIJ.y.ia. S\IPJlolt~ng Hl. J.ntonwltion I@at",nt.htll th.,. ..t.lmat..,
~h. lIU'flOll uJ Ihl. ~~lIt~lul IJ II) 111111I111 Ihllll~!k"' ValllG ut II" 'I,ll 1I1i1IJI'ly "'.1 IS fI" 1,,1]11[1,,1 111>5 'CIUI!! O.I~!1 "" !fIe aO[i~' wnllll'I,111 4nd 11 ~ clndle.lltI", I"LrHIH1~'''1
Ind t1mlllng CI)ntlllllml, .,Id mlrk" ~11"e ~~IIMIIIIIII]~t o\tll 5Idl~,1 '11 iI'~ ~lt.ld'nLII '~,lil'n M.I<: (,Hm 41'J,I .1tI111~ M,IO I 'Hili 1<1Q~IIII~uVI"U'1 6/ ~J I
II (WI' "".Hr. 'HI MAlllln V.llUI, .IS DWNW. OP lHI RFAl PflO'E"JV THAr II THI IU'JEqt. OP filII RUGRI, .II OP .July 23. 19516
(WHIOH II lH! OAr, OP IN.PEOTIGH ANI) THE EFFECTI\l1 nAil O~ rills REPORT) TO n I .1'0, O~O J ..
A"""IIIII. I ' IU"IIIVIIOAVU!~AI'Qft 10N~V ,"!aUlflE~I;
Slafl~IUII ~'-'~/"",~,,__,_,"-I, ~I~";ltl"~' '.
~'_f!lI__PIAHa. Gl~L r/;lltle S'l'IiVlf'l If, BAP-n'r'1', SM, ~qA
1J!.'IRljlO,t Slgnld AIoIg\llt 2. 19~6 Il'llu II~II"'I S ~1'!<1 ^~gu"t. 2. 1 ~96
~II.II r.,'(!I-,lc~lIl)n', PJ.- 00 1'79-1. 'i'",,, PA ~i';lle 1:1""1<',11,,)1' 'GA,.0002~8-t.
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s, w, DARRF.'rr REAl. .:STATE APPRAISAl. SliRVIO:S
aorrow.,tCII.nl Dr. KJlv
'rootrt~ Addr... 81 Old
CItV (:.r11.'_
Lindt' AttorneY
mlll'lt
liton.hulI." IhuIII
County Cu.burltlnd
Mlarl. (:uRn...U I
ZIp Cod" '1011
Stale l>>^
APPRAISAl. ADIl.:NIlIIM SI'H'IA1. CllNlJl1'lllNS
1ll. rl)(Jullollll ,hlll.hli IIl"n III '11II"11i~ 11"1 III ""Iohu..,.. lhl! 'oUI'IUI.'lllr,rJ h~ Ihu aplUllI1 thUll', Ihr Hl1llftlh"fl,fI Ih. IlIhlnl p"1.rl~. Ih. ~'.'\l'lrlhlllaln,
..w Ihtl,nllihtMllhn.N' and 1"....111"., U"I... ,~hlr"'u ".ww.J, lho "ll<lIu,... Ih., ~1,1~ r,,'h~ IHh""11I'11r") "llhll "~"I"'llhl.1 uu'" lle) Nt)!' .,fhl rhl rl1l/..1
ul~ .....Ih. rlllllll nUII.".lllhl~ ,If IhIIUh.l"ll""WII) '-III' .1""'.11.... nut "lUll II h'."IIIl.I"''''''.' UI\'hr 111'111 In 111"'....1 III "llIllllr 1l.II.ll \'1111.
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1I 21.1
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[J 27,)
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l.) 111.: !luhj(CIIIl hl(.'1I1c,111l i1 rutul UlCUllwl1\ 1.:\\ IhulI nl,! hUlII up, lhl'l';nn.lllillll i, IYllil."lll Ulkll.'lllllllllllllm Ihe MClIand
[X)ES NOT III1C:I."IIIII: I1lIukc:1 \luluc oe I..lutc llUllkcIlIbllll)' ullhc MlhJnl.
Cllmnu~rdlll/lmJuMrlal u~.\ we 11)1,:1111.'11 wilhlllllu: \llhJci."l':t Ill'iyhllellht)tlll. TheM: UIiC'I IIrc I),Ilk'alll( ~imihlf llelghborlu.xb
1I1k.! no NOT alle(llhc IllIukel \llIlue or fUlllre IlIIu"elatlllll)' uf Ihl.: ~ubJe(1 pllllk'rl)'.
VlIculllallt! undc\lelupl'L1lwhJ u\es lue li..-lIlcll wirhin Iht~ .~Ubjcl."l'li Ilciwhbnrhllekl. l1lCs~ WiCS an: 1)'JllcaJ ftlr Ihe arc~1I and
no NOT alf<<:tlht: mlUktl \lulue Ilr hllure milrhlahilll)' III 1111;' subjl\'!I""'lj)erty,
TIll: prooominlUlI value illlhe neljhllillhlklills tcss Ih,UI Ihul II" Ihe llHukct \lalu~ (lllhe suhjel."ll'l\lpcl1Y. This isJul: 10 1tM:
'Very wilJe mJlMC of v"luc illllllll'crlie~ Inlhe ;lIt'a 11I111 SUI'Il.:flnr 41111llly 01' lilt' sUhJCCll'hlpCII)'. 'l1us cundlluJIJ DOES NOT
ullnlthc "IlUkCI "'lllue u'lhc ~uhjcd IIr lh lutlllc lI11ukl'lllhllily,
~.l The lIubJCt.:1 PRlIlC:rt)' I.S IUI:lIled in II r.E,M.A. hlclltllied f-llwxt bllle. "I11u conJlliuul>OES NOT IIHcc:lltlt: IImrket \lulu~ or
fUlure murkclubilny (lllhc SUhJI~t:1 whct! nlll)!j Ul.~urunt:t' ~'tJvctillle i~ rC4uired, F1U(llJ In.surlllli:e is SUllllcslell.
".) DampoclS Is nuted in Ihe hll<elllelll of Ihe subjw. Thi$ i."ulldilio'l Is ctlllsllIcrcd t)'pklll in lIwellinlls uf Ihls 1I1)'h: und. DOES
NOT alfel."t markel vllluc ur Ihe fUlUre Itlurkel~hlhty IIllhc 'illtlje~'1. Sllllllhllll ur 1\U1l1inll wuter \/illlJ not preS<:1ll till basement
lloor.
The liUbJC4;1 prupcrt)' IS !)er\lkcd by pnvule ~ell_n1>":":-.._"lld sCI)(i!: _"""::.:..~_. :I)'slelll$ whlt.:h i:l C:OnlIllOIl fur Ihe all:a,
This ..hleS lUll alle(1 murkcl valul or fulure markellllllhl)',
1lr'~ $ubJ<<lls older Ihan h\le (~) )'cun old. All met:hunicul s)'~lcms indulllnlllhc healing, c1c(triclIl and plumhilllls)'sh:rn!i
appclU' upon II visual Clleriur inspecliun 10 tlc In worklllY order. No wmantles arc implied in Ihis sUllclllelll,
9.) Repalr Items were Il()lcd In the (omlllenls ~((tllln of Ihe report. These ~lImlllcnU on rCllllir i1cm.~ are fllr de.~'riplivc
purposes (01)' orxJ ute nOIl't~ulred repoiu, The rcprnr ltC:lmlisletJ arc (mml.'tk In llillure wid DO NOT 1Ilfcl'llhe IIItlBt:1
vlllue or fulure n\llRCluhilil)' of Ihe .~ubjccl propc:rt)'.
Th.: bBlItnu!n1 floor Is u lIirl ntlelr. Thl:l c:nndillon Is (f)1II1ll01l and l)'pl,uJ for lh~ llfca lIlld nOES NOT uH':~llhl: nllukel
\laJue or 'ulure mlUkl:lUhilll)' of Ihe sub~cl. -rile pres<:nce of a dirt 1100r OOlo:S NOT pose u hltulth or :ulfel)' halOmJ.
The lJubje~'1 prupc:rty dnes cnnllllnlulIl.:tional ObSllll:st:cncl;' IU noh:{1 hllhe repurl. Thh cundhioll i~ (on!!illerelllyplt:ul and
~ommon (ilr Ihl: urca !lnd Ihi!! slyh~ lIwellinll and DOES NOT llffl:(lthe marlel value Ilr fulure marketahllity of lhe subjcct
propeny,
The IWld \llllue u(ceLls )0% ll( tlllal value due IiJ the hiyh IkmunJ fill' \lOCWlllwlJ inlhis neljhbmhooJ. Thill condition l'l
cOIIlIltJered common and I)'pkal for Ihe neillhhothnoLlllnd DOES NOT uffeC:lthc /THUkel value ur fulure nllukelo~i1iIY or
lhe $uhjCC:I.
11\1': 11Ind \lulue e_(cctls .\0% of Inial "nlue. TIIl~ is 11111.' It) Ihe: lurlll.: SI/C uf the :llle. TIllS t:lllllhllon i,~ i."llIl/lidl!led III be
l)'plcal anll commoo IIml DOES NOT uffe,t lhe mwkcl 'Vlllue or future lIuukelahilil)' Ilf Ihe sutlj.:(I,
Indi\lldulJl ucJJuslmcnl!J wc:re rtlluirelltJulI eueelIIY"-f,. These IhIJu.slmclll.~ were rClllllreLl dul;' llllll(k of "Um' sinu/nl'
complU'ahle~ nn Ihol Indl\lillulIl rutinp, Alllhfl'c wmpurahle'l arc lhe BEST A V AIL. ABLE
TOIu! adjuIllmcnb e.c:cell H%, lllb. iM doe In lhe luck uf t:flmpnrahle ~Ie' Ihlll wer~ more sil1lilur iOlhe ~ul1jCt:rif ""ukel
mil, Alllhree (OInplUahle~ ure Ihe UEST A V AllABLE.
One or more comparahle salcs ar~ ollJcr Ihan si_ (6) monlhH nld, AhtlilUlIh llier..: un: Cll/l1purahle pmpcrlies illlhr: subjetl'.
11Il:'" lIonc huvc suld 1C(elllly, lhcrdun.:, '1ule~ III e.t:cs!! of si~ (h) 1II0lllh:l (lid hrlve Ii) be UI~CtI. Allllut:r: C:OIl1pnrablcs LJ:u:tJ
wer: Ihe BF.ST A V AILABLE.
Ooe or more (l)lIlpllrahle~ lI~ed .....ere in e"l."es~uf lltle (I) mile frulll '1ul)jei."1 pHlpclly. AlihoUlIh Ihere un: clllTlpurnble
pmpertle!!lnlhe Immediolc iUra, nOlle hll\lc SlIM ((i."rllll)'. Therdtlfe. II wa.s 1Ir:C:(S~i1r)' II) use C:lllllpllfuble '1i1le, oulsldl: of
lhe immclIlllle area. All l;omplUilblc.i u~d urc IlW:alctl in sinullU' nci~hhmhtx)!j.s anti wilhin Ihe sallie marketlll~ al1:U. All
Ihree compnrablcs u~J were lhe BEST A V AILABLE.
The l;'h:L:friL'al SYSlcm 'NiL'! nol Ctlllnct:lc{j durinll inSpi.'l'llllll.
The waler Nervice Wits nol c:onncelel' .Iurillll inS~dinfl.
TIll.! hcutillll s)'slem wa.s '1hulllilWn dllrlIlIlIllSpl.'~'lllln,
Mlwlfiny_____ _,YlullIbinIL.. 1~lectri~;l1 _
1"lIround \winIl1l1ll1l1lIM11.__ __' Hill hUlIIIHl~S _.L~'.
Icntler,'! illillcllnc~.
At:t:ordillllltllt;lItlcr'l YUhlch,lC\ ,llllil~llllUtll 01
ii\len no \lalue,
The suhje~'1 pmpcrt~ IS 1I11'llle,1 un II 1'1'1\11111.' rllllll.
Wllex) Infeslallon inspl~l'linn i~ sUMIlI.''1lcd.
Lasl rewrdctl tlectllmnrtfer: [)Ilh:__~.~.,..~~~._ {'ollslller,UIIIII' _.._,. ..._':'_:.'. .~ __H
PrQptl~cd cnn'llruclillll/renn\lalinll In UI."i."urdulll'c 10 plilll~ IUld ,'pci."ilkalilln,,. III he c:omplelel' in il wUlklllun.hke lIlWlIler.
Seller IN. pu~inH pur1ur all nfdosinl i."lJ'Ill'I, "Thi~ nOES NO'r ulfelllhc mutkel value or fUlure mm"C:lill)illly of Ihl! $ubJI:CI,
All t'Olnpuratlh: sules lUe \'cririel' t;hl!lCII ~llcs,
Thl.!te are no spedal t:OIllJilion~ lit ulher rcqUlrt'lIlcnt'l thill would affct:1 market \lulu!! or fulure 11l(lJk~lilbilll)' in Ihls Ap.
praisul Rc:ptlrl,
(Jlhcr'
1I1'1I1U111
indlldcII..
.t:cllifh':allOll I.S SIlWIlCSlcd.
..' 1I01Il1dudcll__....___~. lll'l'llrdlrlIlIO
ilm:s w~'rc ~llll'lldch'\llllr Ihls VilhullUlII, R~/lIilUlillH il(r~i1Ilr: wa~
,....
1
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Re'VIcw Apprllilu:r
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.
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,DlflNITION 0' MARKET VALUE: Th., mOll probGblQ pIle.. whlr,M II prlJ",utl~ Mh'lUhj bflng In II r.U'"p..tIU.... 1I1ll!
ClP'" ,"lrk.1 und., .11 c;ondlUunl '..quI.,ll, 10 IJ f.1r 1..1.., Ih.. buyut Will.! ."tlwt, Mach IIcUng ptudunlly, hnowhuJUlfllhly
Ind ...umlnG Ih, plhl' II nOI ,II,cl.d by Ululu. IUrnuhll hnpU.;1l in Ihll oJullnlUon II Ih.. ..:unll..mrnlllt'n 01 . .,h,
II 01 . Ip'Clhld dale .nd Ih. Plu1ng 01 Illlu Irom 1!lIlIU 10 buy", !.Inll." condllHHlI V1iht"ubll (Il buyer IInil ...1,..,
Ir. typic Illy moUnt.d, 121 balh path.. .r. w,,1I tnhmnud or wuU Qd..tlulJ, IInd ItllLh 1I~lIntl In whlll hu 1:0111111ur. h,.
own ~... Inl.tI.l, (3) . '<fe,anqbl. 11m.. " Bllo\ud lut IUpO.utll Itl Ihlt upun nUllllul, (oil pllymunl I. nlluh, In IlHml
01 'u" In' US doll.r. ot Itl lurn,. 01 IInlncllll orranOumwnl1 compalllblu IhululO, Wild lIS) Iho prlc" ruprlU"1l11 Ih"
normal conlld.rlllll.ln tor U,. propurly laId una""clud by Iputlal or crllllll~Q tlrlJllIClnlJ ur IIIIIIB conr.ulllonl' granllld
bYlnyon. i1uoclll.d wllh Iho 11I1"
'Adlullm.nll 10 Ihe complr"blel mUll bu mldu lar Ipuelul or cruIIII~. tli,ancll'1U or 1111111 canCllnlonl No edjullm.,nll
I" n,co"lry for "'01. COlli which er. no'mllly plll~ by lullQII III II rUlul! 01 Irqdlllan or IIIW 1/1 . mllrkltl Irn,
Ihll.. COlli Qre Illldlly Id.nUfI,bl. r.lnetJ Ihll luUur p.yl IhuUI cOII~ In ~Irtu.lly ull ulul lI.nlllcllonl Spuell.' or
cr..I,~o IIn.nelng .dlullln.nll e.n bit mlulI 10 Iho compurllblo P'oP"Il~ by COtllpjlfllonl 10 'Inllnelng 10llnl ollu',d
by It Ihlrd plrly Inllllullon.' I.ndur thai " nul ,,'ruudy IIll/oll/ud III Ihu pr"polly 0' Irllnnellon Any oulullmunl
Ihould nOI bG calculated on II mu,hllnleQl doUor 10' dollnr COlli at Ihu IlnlfllClnu or conCUUlonl but th. dull,r
Imounl 01 .ny odlullm,nl Ihuuld lIpprOJlnllltu th" mll/kuI'1 ItUh;lIlJn 10 lnu 'InunClllll or COIlr.uUlUnl b"UIlJ on IIllJ
Ipprtl..r'ljudgm,nl
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINOENT AND LIMITING CONDITIONS: Till. IlpptnlftUr', CllIlt!lcIIIIOJ\ IhnlllPPlllU1 III lhltllpprllllllll r.pOII
I. Il,IbJlCllO Ih. following condmonl
TIl, 'ppt.IIlH Will not bit tUlplJnBlblu 'or mullulI 01 n IUllUI n/JIuru thill /lllucl tJllho, Ihu prlJpurly baing IIPPfll$fld
or Ih, lllto IIJ II TI1. UpplBI..r nUII,"QI Illol Ihll 1111" II good .nd mndlulublu ond, Ihoruloro, Wilt nol rondo, any
Opinion I .boullh. mi. The propurtyll apprllllttd on Il1u blUI, 01 !I hOlnll undur IUlponnlblu ownutlhlp
2 Th, 8PPloll", hll pID~ld.d II IkQtch In tho approlnUI tUllor, 10 an OW lIpptOJlrnlll1l dlltlllnlll.lnl at lhu hnpto~umunl.
.nd Ih, Ikltc:h II Incli/dud only to OUIII Ihlt ruod.,r 01 Ihu ruporr In 1/IIIJilIIllnu Ihu propu'ly nlld unuurltondhlg InQ
'pprtl""1 11.1,',"lnllIO"ollll fUlu
3 Th, apptalJe, nlll fI_llmlnud In., III/nllahlu 1I00d mllpl Ihul at. prol/ldlld by Itm FIHJurol EmorUltt1cy Munollomunl
Ag.ncy (or !llhur dOl, lour"11 IInd hili nohld In 11111 oppr.llllt ropen whulhur tho lubll"t 11111 II locohld In an
Id.nllflld SpacIal Flood HelOld Atllo UUCI'UIa thll OPPIIIIII" II nol II 1llll/lIyor. hu 01 IIl1u tllllku. no guarlnltHlI,
UMp".. or impliod, rUlJlrdlnlJ Ihll duliHmln,l!lOn
'" Thl apprllilQ' Will I'IOt lJII/U IUIIII"On~ or appua, In cown bncQulQ hu or Inu madu on npprllllllll IJllhu proporly 10
queltlon, unl~u Ipuclhc urranlJurnu"'111l do ~o IIlII/IJ buun miluu blltoruhnnd
!J The IpprellOr hoa utlmetud Ihu ~lIluu 01 Ine InntJ 111 Ihll COIl .pp,oocn ot III hillno.! and bOil ule and Ihe
Irnpro~'m.nll ., Ihelr conlrlbwlory I/lIluu The IlIpuralu ~nlunllolll 01 lna lood ltnd ImprOI/Urnllnl1 mUll not bu
uud In conjunclton wiln any clllur Ipprolul and oru Inl/lllld If lh"y aru II) UIIIlJ
6 The IIpp,.i..r he. nol.d In Ine apprailOl roporl .n~ IId~urlo condlllon. (Iuch III, nuudud 'opairl, duprtclllllon, th.
prelenct or hll,urdoul WUlel, 10JIC lubllane.., ulc J oblurl/ud dUring tho iMpaclion 01 lh. IUbj"CI proporly or that
he or ,h. became eweru ot during Iho norme' 'Dlos"h ln~oll/ud Ir\ ~IHlormlna tho opprn!lnl UnlQU oth.rwl.. Ilstud
In Ihu apprellal reporl, tne Ipprellor h.. no knowlQdlJo 01 Iny hIdden or unllppllrenl condition I 0' tne property 0'
.dl/"., ,n\llronm.nlal cundillonl (Including Ihe preunce 01 hlllurdoul WUIOI, IOMic lublloncOl, Ille J thai WOUld
m.ke Ih, prop.rty more or lUll vlllullblu, and hal Auumud Ihlll lnu,e oro no luch condlllonl Ind mllkOI no
gUilrlnle.. or Wa"lIn1iDl, eMprou or Implied, rltllardlna tna condlllon at lho propuny Tho IIpprOlllu will nol bu
"Uponllblr, tor any tuch condlllons lhal do II!!III or 'or ally anlllflQurlng or tusllng Ihlll I11I11hl bo roqulrGU 10 dlacol/ur
whather luch condition, 'UIII UoellulO tho IIpprql",r la nol an e"purl In Ino field of ulll/lronrnolll..1 huardl, Ihe
.PP',11lI1 r.port mUll nol bo conludurlld oa an enl/lroflmonlllllluuaarnunl 01 tno propurly
7, Tho Ipprllllor oblalnod the Inlorl11LllIon, IUlunalol. nnd oplnlona lhnl Wtro (upruuod In Ihu oppralsal roporl tram
10UfC.. Ihel h. or Ihll conlldurl 10 ha rollablo and bllllu~l/s Ihom 10 bit lwo o"rj eOffllcl Tha IIpprallor dOlu nol
."ume ruponllblllly tor lhll accuruey at luch Iloml thol \"ora 'urnllhad by olhor porlloa
8 The Ilpprlllllor will nOI dlar.losll lno eOf1hmts 01 lhu Illlprol,,11 raporl "'copl 01 prol/ldod lor In tno Unllorm
Slandardl 01 Pro'oulonal Approl,ol PrOCllce
9 111. IIppr,llIIr ho. bDlOd hili or hlr appmlul ruporl ..nd vl1luoUon conciuslon lor an npprllllnl Ihlt! II subJecl 10
..tt""lor~ complellOU, rupal". .:lr ullurllllons on Ihlt lIuumplllln Ihlll complollon ot Ihu u"prol/um/nUI Will ba
performed in a workl11lnllk, mannor
10 Thu eppraller mUll plol/ldo 1'111 or hor f)rlor WfllIe" eonllont huloro lntt lundur/cHllnl apuclllud In Iha IIpprolsol
"port cln dllllibulu In. apPulIllI1 repoft (lncludlnu eonelUllnns nboUI Ino propurly 1/1111111, tho approlSllr'lI Idunlily
and prOI...lonol dellgnllllona, IInd rehlt.ncuI 10 In~ ~fOluUlonol Ilpprollllll orgllnlloUonll I1r tho hrm wllh which th'l
IIpprllllllr II allaoelll!ulll II) any on.. olhor Inun Itlll bOl'lowllr, thl! rnortlJlIguu 01111 IUI;CU..O" nmJ 81110nll, lno mQrrUlIOu
InIIHI', eonlullllnlll, pro'''ulonnl opprlll,.1 orgllntlotlonl, /lny .Iulo Qr 'udltralt~ opprQ...od IJnnnclIlI Inlllllullon, or any
doplml"~"', aguncy, or Inllfumllnlnlll~ ot Ihe Unllud SllIlu. or flny ~llIl" Of lho Oldlnl:1 01 Columbln, lueupl Ihal
Ih. l'lnduflr.!iunl m.~ dlllt1huh, tho proporly d09Cllpllon all~1I0n of tllo ropor' or"y 10 unta l;alllu:lIon or roporltllll
3trI/IU(I) wllhoul htl~lnG III obhlln 1"0 appnllllOn pllor wrlltQn condlllll fhu npP'lllllI(' w'llIun conlont IInd
apprO~1I1 mUll 11180 bu obt/llned bolo'o Ihll lIppr311'11 C/lI1 bll Cllnl/II)1ud Ily IIIlYIJ!l1l 10 Ihll PUblic Ihrouutl IIdl/otlllH1U,
publl.. ,ollllonl ".WI, ailllt~, or olhur nlt.dh,
;;llh1l8~hc'nHIl -4.10 1I,!J.1
PJ!lIII'lIJ
FJIIlIUI MJII flH!1l IO(]4B 6,03
:'
.1
.. FlllNo "-OU,4
APPRAISER'S CERTI'ICATION: Tn" ApptalllU CIHUIII. !lnu aurQlt1 thai
1 I hlye ,....tch.d Iho lubjllc:l mllrkgl .rllll and have IQluclud II minimum 01 lht,," tllcunt 101111 01 prl3pur\luI mOil
,Imll" .n~ proll!mll. to:! Ih" I"blle, propefly lor conaldul'1I0n In Ihlt lalol compllrllon analYII. lInd h...." muuu I
doll., adju,'mlnl whln .pproprllll 10 'f11l1oel lhll murk" tuacllon 10 tholU lIum, 01 IlgnlllClnl IIlItlltlon It.
ligrll,lclnt'llllm In I compat.bl. prop.rly II 'UPUrlO, 10, or motu laVC)fllbrll Ih/ln, lnll lublue! prOpatl)', I hlYU medu
.. n.g.II.... .ldj1nlmlnt 10 '"ducI the lldjulllIQ lalGl prlell at thu compQtllhlQ and, II n Ilgnllll:anl 110m In .. compllrllblu
p,oPI/I)' II' Inr'rlor 10, or lilU lilvllrubllf thun tho lubJur.1 prl)pllll}/, I havu mudu II pOIUl~u adjullmunl 10 Inclllllu Iho
lId)Ullld Ul81 prlCI ot Ihu comper.ble
2 I hl~v lallon Inlo conlldu.-1I110n th" lUciD/! Ihal h.nlt on Impacl on ~olu.. In rJ1~ du~ulrJpmUnl (JI Ih... Olllll"olu ot
mOlk,1 \lIIIUII In tho IIpptalUl1 ruport I hll~u nOI kllowlnul~ wlIhhuld on~ 1101lltli:onl Inform all on trom Ihlt IIpprlllllll
r'poll Il'Id I bQIIO~II, 10 Ihl) b"'ll 0/ r"~ IIno...llloOII, Ihal nil ItMumllntl and Intormatlon In Iho Ilpprlllllll ruplHI Ilrll
Ilu..nd currucl
3 I 111I1"d In Ih" nppr'lul II/poll onl~ r"1 OVlIl llufll)nnl, lmhllllod, and prolunlonal anlll~lll. oplnlonl, !lnd
conch"lon., Which .ro IUbl"CI orl!~ 10 Ihy conllngunlllld lunillng condltlona IPllCllilld In Ihll 101m
4 I h.\lll nc pfluonl or prolpoclIlIU 1I11'H."1 In Ihll plopun~ Ihnl III thl' IVbjllCI 10 lhll IUPOtl, IInd I hllllll no prluenl
or plOlplCll1l8 pUrlonol 1/lIl1rlll or bllll with IlIlpucl 10 thQ paltlclpanll In Iho IranlDr.llon I did nol bllao, oithur
p.rllllU~ or complllllll~. m~ qnlll~II' lind/or Ihu Oll"nutu 01 mnrkul lIahJu In Ihll npprollllt ropoll on Iho rllCu, color,
'1Ilglon, 10_, hendlcap, lomlhol IhllvI, or nllllon..t origin 01 IIllhu, Ihlt pro.pocli~1J owner. at OCl:UPllnl. 01 lho lub/oCI
proplft)! or ollh. pllllunl ownOf, or occuponllll1llhu propurllul In Ih.. \llcillll~ ollhlt lubjuCI plo"orly
& j hll\lo no prulonl or conrurnplulud lUll"u IOloru" In lho 611bjllCI propllrl~. nnd nUllhor rn~ curtonl Ot lulu. II
filmp!o~mqnl nor rn~ compunllitlon tor p""l)rmln(J Ihll op~rallal II COnlln(Jllnl on rhlt IIpplQlaod VBluQ 01 lho p'oPQn~
6 I WI' nol rtlqultud 10 ruporl 0 prudulurlnlnud 111Iil/ll or daucllon Irl vnhm Ihol IIl~on Ihl! CUIJlU 01 Ihll cllunl or
'I\~ "1.lud pl1f1~, lho emounl 01 Ih" \lolulI IIltuMlo. Ihll I11100nmullI 01 II apuclllO huull, elf Iho occurrllnco ot II
.ub..qulnl .\lonl in ordor 10 roculllu m~ compunlllllon lind/or IImplo~munl lor Pllrlolmlng Ihu oppflUlat I did nol
bll.. Ihl ,ppl,llal r8p",1 on I ruque'lud minimum ~lIluouon. 0 IPOCltlC volunllon, 01 Iho neod 10 oppro\lo II .peclllo
moflg'lIllolln
7 I portolmed Ihll IIpprolllol Irl contorJl1uy with Iho 1I111tnrm SlllmJardl 01 Protoulonol Approlaul Practlco Ihol WOI'U
.dopl'd .nd plomulgalud b~ Iho Approlllnt Slondardl BOllrd at The ApproilOl Faundollon and Ihal wore in ploeo II
01 lh. ,ltecllve dill. 01 Ihlll IIpprallol, wllh Ihu lI~cOprlan ot lh., doparlure provllhJn 0' Ihou Slnndllrdl, which dOli
nol IPP'~ I aollnowledgu Ihel an ellimollJ 01 0 loalonoble limo lor o~paluro In tho opun markol II . condilion in
lhe d"lnlllo~ 0' merk" vo/uu IInd lho fUllmalo I duvolopuu lIS consillunl wilh lhe markutlng limo nlJrud In Ihe
nllghborhoQd I8cllon of Ihtllupun, union I ha\lo olhurwlso slorod in Ihu roconclltollon locllon
8 111'110 p8f1onQII~ In'puolud Iho Inlollor and o_IQflor oroaa 01 Iho subloCI plopon~ drld 1110 o.lu/lOI at 1111 propunlo,
Ualld u compatible, In lho opprllllol roporl I rUrlhur cUrlll~ Ihlll I hOllo nolud on~ opporunl or IInown adllunu
condition, In Ihe subjucl Improllomunla, on Ihu lubjecl 1110. or on an~ 1110 Wllhln Iho Immodlato vlclnlly ot Ihe
lublecl properly of which I am awe,e ond hove modo adjUllmontll tor Ihoae Ildvurso condition I In m~ onal~BIIl ot
Ih. proporly \1111,,1 10 Ihe 1J1Ilunl Ihol I had mlllku! '~Iduncu to aupport Ihom 1 hOIl" alia communled abQur lho
eltacl ot Ihe advotl. condlllona on Ihe merkolabllil~ ot Iho subject propurly
9 I pellonafly propalod all conclul"JIlI ond opinion a oboul tho rool oalate Ihol woro leI tOllh In lhu approlllll repon
It I railed on lignlflcanl protoulonal uUllltUtlC8 rrom ony Indivlduol or indlvldlHlla In tho pertarmanc. 01 Ihe
I'1ppr""1 or Ih. plepalotlon ot Iho lIpprOllllJ1 ruport, I hOIl'1 nllrnod luch indl~ldliOI(s) and dllc/oeod rho IpUCltlC IOlkl
porlormed by Ihom In rho Illconclllahon socllon 01 lhls Opplolut Iupon I corll/~ Ihol on~ Indlviduol 10 rlIImod i.
qUllillud 10 perlorm lhu rulla, 1 hallu nOI Qulhollled an~onu 10 mukf) a chllnao 10 on~ Ilum In Ihu luporl. Ihurotoro.
lI.n onaulhorlzed change II made 10 Ihe IIppreleal roport, I wllllnko no rosponalbllll~ lOf II
SUPERVISORY APPRAISER'S CERTIFICATION:ll n suporvilO'Y appralaor sl!)nudthoapprlllul roporl, ho or ahe
Clllmu ,nd .gr.el Ihal I dllecU~ supervise Ihe IIpprlllllH who proporad lhe appflJllul ropOrt, havo rO~lewld Iht) .ppralsal
reporl, Igrlll wilh Ih. III'.m..nll .nd conclllalona 01 Iho applolser, ogroe to bu bOlmd b~ tho IIpprolur', corlltlelllione
numblln'd 4 lhrough llbo~u, and am IlIklng lull IOSPOrllllhllil/ lor lho IJpprdlsolllnd lhu opprulaul rupon
ADDRESS OF PROPERTY APPRAISED:
01 O~d,Sto~~~~US._Ro.~
APPRAISER:
SUPERVISOf\'h1IPPRAISiiRfdnl' " "q''',d)
<::'-r- '. . ) /) .-+1.
SlllJloltUIS' ---.' "- '- -,- ,"-- /j
N~lna STll:WN W. BARR&TT I SRAr SRI'A
Dall, 'llgnoll August. 2, 1996
SWdCotlttlr,alloill GA-000290-L
olStaluLlcenul RB.02,921.A
Slalo PA
EAflll,lltlln Ouls 01 (,utlllll:allUIl III llCII1160 6/ JO/~.1
: x!Old I ]1)111 N()IIIlBIl~ct Prollarry
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SlgH.I1It. .."....~'. 0'__ ~---..~_ j _,',1.
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Oil. Slgn'lI Augu.t:? 1 1996
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MICHAEL l.. GLlJCK,
Plaintifl'
IN THE COURT OF COMMON Pl.EAS
: CUMBERl.AND COUNTY, PENNSYLVANIA
v,
: NO. <)6-2075
MARY KATlIl.EEN Gl.UCK,
Defendant
: (,(VII. ACTION. LAW
(:'oJ DIVORCE
NOTICE 01' fo:U:CJ'lON TO RESlIME MAIDEN NAM":
Notice is hereby given that a final decree in divorce having been gl'anted on the
30th day of December, 1997, MARY KATHLEEN Gl.UCK hereby elects to resume her
prior name of MAR Y KATHLEEN KUSII, and gives this wriuen notice of her intention
in accordance with the provisions of5.\ Pa,C.S, Section 70.\,
'(V)fL'i; ~:tlI~K2/tU ~<<.('lL
MARY ATflLEEN GLll(
to be known as
'11)~ ~1bYrv ~J./)N
MARY 'ATlILEEN KUSH
COMMONWEALTH OF PENNSYI.VANIA
ss,
COUNTY OF
On the J..;;} day of~, 1998, before me, a Notary Public, personally
appeared MARY KATHLEEN GL~CK, tlb/k/a MARY KATHLEEN KUSH, known to
me to be the person whose name is subscribed to the within document and acknowledged
that she executed the foregoing for the purpose therein contained,
IN WITNESS WHEREOF, ( have herellnto setll1Y hand and official seal.
g-- ~.&~/}/)~
Notary Public
Nomrlill Seal
Julie 0 SMnnon, Notary Public
SlIlJer SPring TWD ' Curnbert..nd Counl't
My Comml551on E'l:Cllr"5 June 14. 200'
em er, eMSV' ,tl\l;1 A'~O~' on n
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1'lWl'lmTY ~';'I"n.Jo:MI':NT A(;IU:EMENT
jJETWEEN MAIn' KATIII..J.:J.:N <a.lICK ANU MICIIAEI. l.. (;UICK
TillS AGIU:EMENT, made Ihis 10 ,I" day Ill' ,. 'J.'<'.~~l..,... , ,,' 19<)&, by and
between MAI{Y KATIII.EEN GI.l/CK (hereinafter rci'erred III as "K^ Y"). Ill' Cumberland ('ounty,
Pennsylvania, lIllll MICIIAEI. I" (;I.lI('K (hereinal\er reICrred 0 as "MIKE"), Ill' York ('ounty,
Pennsylvania,
WIIEIU:AS, the parties were married on '^11I'i! 10, 11>74: and
WIIElU:AS,there were three (,1) children hili'll of the marriage, namely. Jlln (iluck. date of hirth
Marell 9, I <)7&, David Oluek, dale of hirth July 1, 1 '>79; and Jessica (iluck, date Ill' birth March 23. 19112,
WIlJo:JU:AS, diverse unhappy dilferences. disputes and dinkultics have arisen between the parties
and it is the intention of Kay and Mike tll live separate and apart ti,r the rest of their natural lives, The
parties herclo arc dcsirous Ill' sellling fully and linally their respective financial and property rights and
obligations as to each other including. without limitation hy specitkalilln: the sellling of all malleI'S
between them relating to the Ilwnership and e1luitabl.: dislributilln of real and persllnal property: the settling
of all malleI's between them relating to the past. present and future support. alimony lind/or maintenllnee
of Kay by Kay or of Mike by Kay; and, in general. the sellling Ill' any and all elaims ami possible claims
by or against the other or against their respective estates, which claims may have arisen pursuant to the
Divorce ('ode of 19RO,
NOW, TIIEIU:FOIU:, with the ti,regoing recitals heing hereinal\er incorporated by reference
herein and deemed as an essential part herellf. and intending to be legally bound hereby, and for other good
and sufficient eonsidenltioll, the receipt of which is hereby lIeknowledged, the parties mutually agree as
filllows:
I. INTIWUlICTION
I. SEI' AJ{ATION. It shall be lawful for each party at all times hereafter to live separate and
apart from the other party at such place or places as he or she may, from time to time, choose or deem fit.
2, J':XEClITION J}~n:, The dale of the ^greement is the execution ,"'te unless otherwise
noted in a specific paragraph,
J. ~J1Jl'frEIU'EI,U:Nq~! I'aeh party shall he free from interference, authority and control,
direct or indire,'t, by the other as fully as i I' he or she were single and unmarried, Neither shall molest the
other, nor compel. nor endeavor to compel the other to cohahit or dwell with him or her,
4. J}ESCIUI'TIVE IIEI'nW~;1'!, The descriptive headings used herein arc for convenience
only, They shall have nil eftCct whatsoever ill determining the rights or obligations of the parties,
On,llI,'IM II 'flrm ItM-~ILJl;k m~. '(IN'
!I, .':n'Jo:('TIV.J.o:.JMTI<;, Th.: dle~tiw date of this Agr.:ement shull he th.: "dute of executiun"
or "execution dute," 11.:lin.:d us th.: dill': upon which it is .:xecut.:d hy the purties if they have euch executed
this Agreement Ihe sume dlll~, Olherwise the "date of eXI'cution" or "execution date" of this Agreemenl
shull he delined liS Ih.: dUle of execution hy the parly last executing this Agreement.
II.
.'IW.'lmTV ')IST,U1I11TION
--.---- ~____.__.. ._____ '._.__.h._
(,. V1YI~HJl''t!~,L!~.Iill!iONAI,j~R()I'I'~ln\'. Olher than 'IS set forth in this agreement. the
pUl'lies ugree that cadi shall own, possess and enjoy, free from any daim uf the other, the personalty in
his or her possession 01' cllntrol on Ihe date of Ihe execution of this Agreement, induding, hut not limited
to all furniture, furnishings, rugs, ~arp':ls, dothing, jewelry, major and minor appliances, equipment, touls,
pictures, painlings, hooks, works of an, d.:cmations, silver, china. glassware and any other item of tangihle
properly of whatever nature or wherever lo~ated, Fad, pany herehy quit daims, assigns and conveys to
Ihe purty designated herein as the own.:r all such persollal properly, together with uny insurlmee pulicies
wvering Ihat property and any escrow a~~ounls relating 10 that properly, This Agreement shall constitute
a sufficienl hill of sale to eviden~e the transfer of any and all rights in su~h propeny from one party to the
other,
II. I{eserved Assets. The parti.:s specilkally agrce thallh.: following it.:ms shall h.:come
th.: prup.:rty of the individual as nol~d:
(I) "lIl1lilv ,~",welrv IInd IIdrJo!lIIu from Mik",'s "lImitv. Th.:se items shall
hecum.: the prop.:rty of Mike,
(2) Slife I)cposit lIox lInd Coi~ A saf.: deposit hox has becn maintained
Ihroughoutthc marriage and conlinu~s to exislloday, In addition, Kay op.:ned a safe deposit box after Ihe
dah: of separation and placed marital wins Ih~rein, Th.: parties agree that Mike shall retain as his separate
properly Ih.: proof sets contained within th.: sali: d.:posil hox. which indude, but arc not limited to. the
American Eagle silver proof sets, AIll.:rican Fag!.: gold proof s.:ts. Statue of Liherty proof sets and any
other proof sets that arc existing in the sali: deposit box or in either uf the parties' possession, Other than
the proof sets, thl: parti.:s agr.:e thatth.: gold ~oins. silver hal'S, silver dollars and such other coins shall be
divided equally between the parties, II is noted that some of the coins (exclusive of the proof sets) arc
located in the sale deposit hox.:s, 'I hc parties specilically acknowledge that the coins that have been
wllectl:d and hclong to .Ion and the coins that haw heen collected and helong to David shall remain the
children's property and arc not marital assets for division hetweenthe parties,
In addilion to the marilal salC deposit hox Ihe partics had during the marriage. the parties
acknowledge that Mike has II safe Ill-posit hox with Pcler Brier. M,I), in which ten (10) gold coins exist.
hlllf of which helong to Dr. Brier and half of which helong to Mikl', These coins arc included in the
division of the coins liS noted ahove,
(J)
and similar I\lcl\lorahilia,
I'crsolllll.:ffech, Mik.: shall rcceive his personal cffects, including yearbooks
,
Ol'lllOlllI II ~hlllll MM t1hlt~ mu l}f,~
(4) CUlli~t~.. S~t,!!JIlI Shuhhot ClUIlII~~Ii~"~ 1'..011I Mlk~~, .'ll/lIl1v. The partie~
lIcknowledge tlmt these items have been in Mike's fllmily I()r years, They shall continue to he in the
possession of the parent who Ims custody of Jessica, At the time that Je~sica estahli~hes her own household,
the c.mister setllnd Shahhot candlesticks nmy he taken by her to her household, since they lire considered
Jessicll's property,
(5) ClIlI\~l'lI J~l!!!llll1eJ!J, Mike shall rcceive the video camera, All other camera
c<luipment in Kay's possession shall rCllmin with Kay,
(()) l'hotol:"lIv.h~_!1J the Child!~II. Within sixty (60) days of the execution of
this ~greemcnt. thc parties shall schcdule an appointment to meet in order to review the photogruphs of
the children and llunily, Mike shall sdeet the photographs that he desires to receive, If Kay wlInts uny of
the photographs which Mike selects, then the photogruphs shall be reproduced .1I1d the cost of such
reproduction shall he split equally betweell the parties,
h. Dille of Oht~l!tioll, It is agreed tlmt these items shall he transferred to the
appropriate individual within thiny (311) days of the date of the cxecution of this ^grcement, to the extent
the exchange has not transpired prior to its execution with the exception of Paragraph (6) above,
7. MOT()J( VEIIICLES, The parties agree that Mike shall becol11e the sole and exclusive
owner of the 1993 Mitsubishi 3000 and the 19X5 llMW M5, which vehicle he has since truded in on
another vehicle, The parties agree that Kay ~hall hecollle the sole and exclusive owner of the 1994 Volvo
and the 1989 Chevrolet Suhurban,
The party receiving the vehicle agree~ to he soldy responsible for any debt and hold t.he
other p.lrty harmless Ii)r pa)'mentthercor. I I' any daim or action is initialed against the non-owner seeking
to hold thelll liahle Ii)r Ihe indebtedness so stated, the vehicle owner will al their sole expense defend the
non,owner .Iguinst uny such claim and he or she will indemnify and hold harmle~s the non-owner in the
event that he or she is held liuhle for the paymenl of the indehtedness,
H. ACCOlJNTS. mA!I.. IH:TIIU:MENT HINUS. STOCKS AND 1I0NDS. At the date of
separation, the purties had the following accounts:
ACCOt/NT NIIMJlEI{
AI'I'IWXIMATI': IIAI.ANCE 1IlISIIAND/W,,"'F,
$12.0110,00 Witi:
Fanners Trust checking
Financial Trust ('orp, checking
account 110012405'15
$lInknown Wife
Hrsl Federal of Ilurrishurg
Money Market account 11111,06-
151057
$llnknO\vn Wife
Farmers checking
$5,045,()O Wife
"\
11ft, I(J,~" II .~"'plll'.KM '1I1udl ml,"I)If~
Furl11enl Money Market $2,7H4,OO Wife
Furl11ers suvings $467,00 Wife
Finuncilll Trust ('orp, checking $1.197,95 OlHI'I5 hulunee) Joint
uccount !lOOO'),91]<)2
Finuncilll Trust ('orp, savings $)<)("W (2/2H1'I5 hulunce) Joint
uceount !l007.3041 ')4
Olde Discount uccount IIOJ2, $1 H5J52,HH (5/)0/97 stnH) Joint
IOO61.llTQ
FM^ IIW63-22HM62 $)H U5H, ')) (5/311'15 stmt) Joint
FM^ I'ersonul ^ccount II $7.925,5') 0/311'17 stnH) Wife
FM^ IR^ II $11.151.41 (3,31.')7) Wife
FM^ II~^ II $1),652,72 (11/301'15 stnH) Ilushund
FM^ Pro/it Shuring Plan $1l'l6.42H,84 (11/301'15 stmt) lIushund
FIlO Internist of ('entral I'^
IIW6).2287066
HvM I'rolit Sharing 2 $) 1,632,56 (12/311'16 stnH) lIushand
Internists of ('entral I'u,
IIW63,233()l)24
Finunciul Trust IR^ IJnknown Wife
Financiul Trust I R^ I JnknO\\n Ilushund
H, Accounh Subicctto l'crccnt1l2c Di~tribution. The purties agree that the following
uewunts shall he divided. which ullocation shall luke placc within thirty (30) days of (he date of the
execution of this Agreemcnt. Kuy shall rcceive liny-live (55'1'0) percent of the hulunce of the account at
the time of division and Mike shall rceciv.: forty-live (45%) percent. Both parties agree to cooperate in
effectuating the dislrihution of the funds in such accounts. The lllllowing funds therefore shall be divided
on this perccntuge husis, with as nearly cqual hasis to caeh other as possihle:
(I) Oldc Discount. uecoun! no, 0:\2,1 0061-IlTQ:
(2) FM^, ueeountno, W6)-22H6()()2:
(J) FM^ I'rolit Shuring Plan for 1'110 Intcrnist of ('entrall'^, ,Iccount no, W63.
22H7066, The purties ueknowlcdge thut this is u pmlit sharing plun, which funds were deposited into such
uecount from Mike's employer, ('onsequ.:nlly, th.: transfer of Kay's Iifty,live (55%) percent from this
UCCO\lI1t will he effcctuut.:d hy un uppmpriate retircment vehicle, the drafting of which shall be the .
responsihility of Kuy hy and through her counsel. Cosls due to an agreed upon third party to prepare the
"
Ul)illIl~K II ~tfpm I(M' IIIUtk ",~,"llU~
documcuts shnll hc hOl'lle cqually hy the plll'tics, Any costs incurrcd hy cach party to their attorneys shall
he their scparatc rcsponsihility, Kay a~rces tll drnn this documcnt IiII' prcnpPl'llval hy Mikc and the Plan
Administrutur within a minimum Ill' Ihir'Y nO) days of thc date Ill' the exccution Ill' this Agrcement. Mike
agrecs to cooperatc in cxecutin~ any and nil dllcuments neccssary in order have these funds appropriately
transferrcd to Kay, lIllller any and nil circumstances, howevcr, it is the parties' intent that the tax ddcrred
status of such I\mds is tll remain inlact. The parties acknowlcd~c that Mikc shall not he responsihle IiII' any
laxcs on thc funds distrihutcd 10 Kay ami III thc cxtent that any such liahility wlluld he imposed, Kay
a~rces to indcmnify and hold him harmkss lilr such taxahle cvent. Ilccause some of the funds in this
accllunt arc invested in cquitics. thc partics a~rce that thcy shall jointly work with their respective linancial
advisors who mana~c Ihesc funds 10 dctcrmine the most appropriate mcchanism to allocate the funds,
(a) Limited Partnerships, The parties acknowlege that contained within
thc FMA Prolit Sharin~ Plan IiII' FIlO Intcrnists Ill' ('entral Pa, arc lilliI' (4) limitcd partnl:rships, which arc
indentilied as Mendik, ('onAm, llniprnp and lInipl'llp II. With respect to these limited partnerships, the
parties agree that il is their lirst prclcrcncc tll divide the limited partnerships so that each party receives
a liny (50%) value of the total value of all four (4) partnerships and any distrihutions on such partnerships,
In the event that this preli:rcnce is impossihlc tll pcrform and accomplish, the parties agree that all futlll'e
distributions shall hc divided IIn an cqual hasis and when and if thc individuallimitcd partnerships arc sold,
the proceeds from the sak Ill' such partnerships shall he divided IIn an equal basis, The parties further
agree that Mr, LaBella has agreed to provide a letter to Kay wherein he veri lies that the distrihutions from
such limited partnerships have continued to be placed into this prolit sharing plan and that none of the
proceeds have heen placed in a prolit sharing plan that was created hy Mik~ post'sepal'Ution,
h, I)I{() Credit, The partics acknowledge that Mike is entitled to a credit through the
Domestic Relations Office of Com her land ('ounly, Pennsylvania in the amount of Eighteen Thousand Four
Ilundred Thirty ($1 8,4](J.()O) Dollars as a result of overpayment on his support obligations to Kay and the
children, In order to extinguish the crcdit. the parties agrce that the halance Kay receives from her fifty-live
(55'Yo) percent of the prnlit sharing account shall he reduced by the sum of Fineen Thousand Eight
Ilundrcd Ninety,three ($15.89l00) I)IIl1ars and Mike's lilrty,live (45%) percent balance will be increased
hy this sum, Any monics Mike owes Kay lilr medical expense rcimhursement. alter suhmission to and
payment by the insurance company, incurred lhrnugh the date of execution of this Agreement shall be
deducted from the credit if thc documentation is prcscntcd at the dale of execution, If it is not than Mike
shall reimblll'se Kay IiII' such 1.I111'eimhlll'sed mcdicals directly to her, Kay will reimburse Mike for such
unreimburscd medicals directly also,
c,
as noted below,
II{A '~, lhe partic, acknowledgc thatll1ey l'ach havc an individual retirement account
d, "MA II{A in Kny's NlIlII~, The IRA managcd hy FMA, which is in Kay's name
alone, shall hecomc her solc and scparate propcrty,
~, "MA II{A in Mik~'~ Nnlll~.lhis account has holdings through Fidelity Investment,
account no, 179,486965, This accounl shall hecome Mike's sole and exclusive property,
5
nh.loml II 'hllm ftM 1I1ud. fh~. IIN'
f, NIlII-MlIrillll Attlmllt,u:r~lIkd 1'llsl,S~lIl1rllti,}!!, 1I0lh purties IIckllll\vledge Ihl'y
hllve opcncd lIecounls IInd IRAs sincc Ihc dllle of sepllration, Such lIccounls shllll heCOllle Ihe sole IIIllI
exclusivc properly of Ihe pmly whoopcncd snch IICCOIIIll, The parlies speeiliclllly lIeknowledge Ihllt Mike
opened lIn FM^ prolil sharing acconnl nil, Wr.,\-2,nOI)24. which conlllins rost-sepllmtion conlrihulillns,
whil:h shllll hecome his scparlllc IICCIHII1I, ~Iikc shllll wrify withinlhirly (,0) dllYs hercof Ihat Ihis aCCllunl
was opcned pllsl'sepllmtion wilh posl-scparalion IIssels, If Ihis is not uccurale, uny pre-sepuralion funds
shllll hc divided liny,live (55'~i,) percenl tll Kay and lllrly-livc (4S'Yo,) perl'ent 10 Mike, ^lIolhers IICCllunts
nol speciliclllly idenlilied IIrc considercd lI1ln,mllrital pl'llpeny IInd hclong to Ihe owner of such ucclHlnl.
II, FMA llldivi!l!!ill-,1~,IIJ!J...UrL,fu!!.!.allt~'s NI!!!llLAeelllllll Nil, W(,3-244~ClII, The
pllrli~s lIcknowledgc thllt this is propeny helonging to .Ion and is non-marilal.
'). WAIVIo:I{ ()Io' 1'lo:NSION ANIl OTIlIo:I{ Io:I\tI'I.0YIo:E BENIo:FITS, The pllrlies herehy
wllivc IIny and 1111 righl to cllIimllllY interesl Ill' shllre in ellch olher's pension. prolit-shllring plllns IInd olher
employec henelits, if any, from Iheir prescllt or pllsl emplllYl'rs, The Pllrlies IIcknowlcdgc Ihllt Kay is II
mcdiclll doctor with II currcnt liccnse. althllllgh she docs nol have II present employer. Mikc is II medielll
doctor with the group known liS Internisls of ('enlrlll PennsylvlInill, 1I0lh lIeknowledge thllt thcy hllvc
received inf'lI"IlIlIlion regllrding Ihe existencc or non-existence of such employment henelits (including hut
nOllimited to profil shllring, I':SOP plllllS, rctirement eonlrihutions IInd plllns IInd 40 I k plllns, lifc insurallce
policies and sucllother henelits) IInd lire satislied with the inllll'lllation so provided, Other than as set forth
in this ^greement, hoth partics IIgre" to sigllllny IInd 1111 documcnts nec,,:ssllry 10 clluse Ihe transfer of his
or her interest in (lilY pension/employment henelil. upon relluest hy the other spouse, Further. hoth parties
IIcknowledge thllt they understllnd they mllstnotify their employer lind/or IIpproprillte plan administrator
of the removlIl and/or chllnge of IIny such henelicillry designlltion consistent with the conclusion of their
mllrital c1l1ims,
10. ^lJT0I\10IllLE A('('WENT, The parties lIeknowledge Mike WllS involved in an
lIutomobile IIceident prior 10 the sepllrationalld rCI~eived IIppruximlltcly Ten Thousllnd ($10,000.00) Dollars
in settlement of this lIecidenl. These funds shllll he his sole lInd sepllrate property and Kay waives any
inlerest she mllY hllve Iherein,
II. LIfE INSlJI{^NCI';, hcqlllls provided in this I\greemenl, the parties hereby waive any
IInd 1111 righls to e1l1im IIny inlerest or sharI' in ellch other's life insurance plllns, if IIny. The parties
IIcknowlcdge thllt the lifc insurllncc policy on Mike's life wilh Phoenix lIome Life Mutual Insurance
Company, hearing IICCllunt no, 2,4X,\4I1, \lith II fllce value of FivI: Hundred Thousand ($500,000,00)
Dollllrs, hlld IIcllsh vlllue of N inely.ninc Ihollsllnd Iwo Ilundred Twenty Dollars Thirty-ninc ($99,220.39)
Cents as of May 2X, I <J<JX, Therefore. Ihc partics agree that they shall each he entitled to fifty (50".4)
percent of the net cash value of such policy, as if such policy where cashed in, which is cstimated 10 be
approximately Fighty,seven Thol/sand I'our IIl1ndred ($X7.400,OO) Dollars, Wilhintwo (2) days of the dale
of division of the Olde Disl:llunt aCCO\1I11. ~Iike shall tender a ~heek to Kay equal to Fifty (50%) percent
of the net value, This 101011 ne! cash lallle shall he used ",r Ihe hellctit of the parties two (2) children.
David and Jessica as more specifically set forth below IIndcr Paragraph 22,01, regarding college benefits of
Ihe children, Furlher, the parties herehy agr~c Ihatthey rclilHlllish any right, titie and intcrest they may have
in each other's policies as a rcsult of thl'ir lIIarllal stalll',
II
IIMO,IIM II 'f111m ItM 'Wludr. m~. 1I11~
II. IIcllcflcinl'Y. The parties IIgree that Mike shall he hound to designate II totlll
helle lid my designation of Five lIundred Thollsllnd ($500,000,00) Dollars to mver his ohligntion to the
children nnd to Kay pursuant to the terllls of this Agreelllent 1<,1' purposes of child support, IIlimony
pendente lite lIud alimony, At 1\11 tinte shall his obligation to provide the henelidary designation on the
Phoenix lIollle Life Mutual Insurancc Co, policy exceed Five lIundred Thousand ($500,000,00) Dollars,
Atier Mike's ohligation to Kay e<'a-ws pursuant to the terms of lhis Agreement, he agrees tl1Ut he shull
speeilicully designate the children as irrevocuhle beneficiarics on this policy 1<,1' the sum of Five Ilunured
Thousund ($500,000,00) Dollurs, I Ie shall provide proof of such hencliciary dl:signution to Kny, Mike
agrees that he shall not enclnl1her or deereasl: tlte lilee value of the policy helow Fiv,~ Ilundred Thousand
($500,OO(UJO) Dollars, Mike may suhstitllt<: another policy 1<11" I'hoeuix lIome I.ile Mutuul providing he
gives notice to Kay and Cllmplics with the other terms of this paragraph, In addition to designuting the
children und Kay as henelidaries under the Phoenix Ilome Li Ie Mutual Insul'Unce Co" Mike agrees that
he shall designate his children as irrevocahle hcnelidaries on his profit sharing plan with FMA in an
alllount of at least Two Ilundred I:ii'ty Thousand ($250,OOIWO) Doll;lrs, I Ie shall provide a copy of such
henelidary designation to Kay upon request.
12, 1I11SINESS INTEJU:srS, The parties agree that Mike shall rctain as his sepurate property,
any and all interest in his mcdical practice, together with and any and all partnerships, eorporat\lms,
husiness interests and .my tYPl: ofhusiness or inwslml:nt entity including Internists olTentralPennsylvania,
I.owther Strl:I:t Associates, Ilarrisvil:w ({<'ally Associates and BOTS Cardiac Monitor Assoeiatcs , Kay
herehy specilicully waives now and IiII' all tillle, any rig!:t, titll:, claim or intl:rest whatsoever she may have
in Mike's medicall'raetice, partnerships, limited partnerships, corporation, husiness interests or any typc
of husiness 01' investment entity in which Mikl: has an interest. Other than as set forth within this
agreement, Mike spl:cifically warrants that Kay has not executed any dOl:ulllents concerning any of the
husinesses in which he has an intl:rest that would make her liahle upon a;lY such deht, Mike agrees to
indemnify Kay and hold her harmless IiII' taxes, judgments. liahilities, lawsuits, pending or otherwise,
medicare/insurunel:/third party audits and expenditures associated with any of the husincsses,
a, fC1I1I 21, Pelln 21 was sold in the lust several Illonths, The parties agree that Mike
shall retain this assl:t.
1.1. HEAL ESTATE. The parties own as tenants hy the entireties an improved property known
as 81 Old Stone I louse I~oad. ('arlisll:, l'I:nnsylvania which has an appraised value of approximately Two
lIundred Forty-live Thousand ($245,lIlIO,OO) Dollars to Two lIundrl:d Fitiy Thousand ($250,000,00)
Dollars, The propl:rty is not subjl:cl to a nlOrtgage, Mikl: agrees to execute whatever documents are
nl:cessary to assign. conwy and trallsfer his inkrcst ill the real eslate to Kay, Kay shall he responsible for
preparing the dOCUIlll:I\lS to enectllat~ such transfer.
In additioll, thl: partics ac~nowledge [ltatllllller thl: Paragraph 12 entitled "Business Interests" above.
Mike has real estatl: interests in a llulnhl:1' of the husiness interests identifkd, including llarrisview Realt.y
Associales alld '-owther Street Assll<'laks, all of \\hk-h shall hecome his sole and separate property,
14. LHI';Un:_r"I{D.~, I'aeh party herehy agrces to return any and all credit cards or charge
plates whk-h hdshe Inay have ill his/her PO"I:ssionlo thl: party who is the oWn~r of the account and agrees
that any ,lchts incurrl:d Oil allY crl:dil cards or char~c plat':s Ilot rcturned to the olher party shall he the sole
7
..-
0.../10,'111 II ~hlllll kMlIlUtk lIl~n 1)//'.
and exclusive responsihility of the party who chl\J'~cd the deht. I':ach a~rees to save the other har/nless
fl'Om any obligations 01' institutions of suit wmmenced due (() auy char~es made on the other party's card
after the date of separation, Any debts iuculTed on the credit canis or char~e plates aller the date of
separation of this Agreement shall be the sole and exclusive responsibility of the charging party, who shall
save hannless the other spouse from any obli~ation or in~titlltion of suit, except as provided fill' in
Paragraph I H,
IS. EOlJITABU: U1STI(IIUJTION - (a:NJo:I{AL ('ONSIUEI{ATlONS. The parties have
attempted to distribute their marital property in a manncr which conlill'lllS to the criteria set forth in 23 Pa,
C.S,A, * 3502(a) of the Pennsylvania Divorce ('ode, and taking into account the tilllowing considerations:
the length of the marriage: the lilct that it is thl' lirst marriage IiII' Mike and the lil'stmarriage for Kay; the
age.'health, station, amount and sources of income; contrihution of eadl party to the education, tmining
or increased carnin~ pnwer of the nther party: the opportunity of ,'aeh pany Ii)r future aelluisitions of
capital assets and inwme; the sOllrees of income of hoth parties, induding but not limited to medieai,
retirement, insurance or other benelits; tile enntrihlllion 01' dissipation nf each party, including the
contribution of each spouse as a homcmaker: the value of the property set apart to cach party; the standmd
of living of the parties established during the marriage: and the economic circumstances of each party at
the time the divisiou of property is to hecome ctleetive,
16. EOUITABLE iHSTlWlllTION - TAX CONSEOllENCE OF TRANSFER OF
PI{OPEI{TY. The division of existing marital property is not intended by the parties to constitute in any
way a sale or exchange of assets, and the division is being ellected without the introduction of ol'tside
funds or other property not constituting marital propcrty, The division of property under this Agreement
shall b.~ in full satisfilction of all marital rights of the parties, The parties acknowledge that this Agreement
has heen negotiated based upon tbe assumption that the property transfers described herein come within
the provisions of * 1041 ofthc Internal Revenue ('ode and as such will not result in the recognition of any
gain or loss upon the transfer by the transferor. To the exte'lt that the translCr of any prop-crty pursuant to
this Agreement results in a taxable event necessitating the payment of tax 10 the Internal Revenue Service,
the party in possession of the asset that creaks the tax shall be responsihle fill' payment of any such
ohligation and specilically agrees to indemnify and hold the other pmly hmmless for payment of such
ohligation,
17. AFTlm-ACOlllIH:U 1'J{OpEKrV, l"lch of the parties shall hereafter own and enjoy,
independently of any claim or right of the other, all ilcms of properly. he they real. personal or mixed,
tangihle or intangihle, which arc hcreaftcr ac<(uircd by him or her wilh full power in him or her to dispose
of the same as fully and ellectivdy, in all resp,:els and for all purposes, as though he or she were
unmarried,
18. I'ARI'IES' n.:IlTS.lh: partics hcrehy a~ree to assullle sole and exclusive responsibilily'
for the dehts as provided helo\\', The responsihle party agrees to indemnify and save harmless the other
spouse from any and all claims or demands made against the olher spouse by reason of the debts of the
responsihle party:
H
1lI'lIIOI~H -11\1'll'1II kM~WIij(k m.a' 1)//\
C1umrnm
ASSlJI\1EU IlY Mik.../KIIY
AI'I'IU)XIMATE
IlALANC':
$]08,52 (as of 2191'l5)
(,itibank Advantuge, no, 4128
OlD I 549] 0]44
Mike
Citibllllk Advantage, no, 4128
00] I 9627 5047
Mike
$5,]80,12 (as of
]/1 0/95)
$2,07,209 (us of
2/171'l5)
Credit Card A~~ount
No, 5]51 (W)O ]40] 4406
Mik...
III. ALlMONY/ALlMO!'lY I'ENI)Jo:~TE UTE. Sl'OllSAL SlJI~'Olrr. COUNSEL "'EF.S. COSTS
ANI) EXI'ENSI':S
19. ALIMONY, The parti...s agr...... thai the paYll1ents froll1 Mike to Kay as hereinafter setlllrth
within this Agreement arc intelllkd 10 qualiry as alill10ny as delilll.'d by the Intel'l1al Revenue ('ode and shall
be dedl1~tible by Mike and includable in th... in~oll1'" or Kay,
a. T...rm. Mikl.' shall pay to Kay lilr her separate supporl and lI1aintenan~e, the following
sums in a~cordan~e with the Illllowing terms:
(1) Comlll...ncing July L 1998 anJ, each month thereafter through and including
the month of Septell1ber 2000, th... SUIl1 of Thr~e Thousand Five Ilundred ($],50(J.()0) Dollars per month,
(2) COllllllelll:ing Ihe n10nth of (ktober 2000 through and including the month
of September 2001, the SUIll of Two Thousand Five "undred ($2,500,00) Dollars,
(3) Mike shall continue to pay the funds directly through the Domestic Relations
Section of the Cumberland ('ounty I 'ourthouse, into the account which is already in existence and being
utilized for payment of Mike's alilllony pendente lite obligation to Kay,
lot) The parties adnowledge that Mike is paying alill10ny pendent lite at the rate
of Three Thousand Five Ilundred ($1,500,()()lllollars per 1I10nth thl'llugh the f)omestk Relations Section
of Cumberland County, It is Ihe partks' intl'1I1 that Kay shall re~eive Ihe tolal of Three Thousand Five
"undred ($],500,00) Ilollars per Illollth and Ihat Mike's ohligalioll t<lr payment or alill10ny pendente lite
shall cease, with his last payment due 1'01' th... mllnth or June I <}')H,
h. T...rminlltion I!L,\ll!!Hml'~ Notwithstallding any other provisions set forth in Ihis
Agreement, the alill10ny paYlllenls provided sh;11I terminate UpOIl Ihe lirst to oc~ur of:
(I) Kay's r"'lIlarriagl', hut shall speciti~ally notterrninate upon cohabitation;
(2) Mike's dealh:
(3) Kay'" d...atll.
'I
Uflilll,llH II '^plIl ItM'llh,JdI..Mllfn"III1'
In the ca~e of nlimony paynwnts terlninating upon Mike's <leath, the parties specifically
acknowledgc that Mikc has named Kay as a heneliciary on a life in~urance policy ~ufficient to pay the
outstanding nlimony ohligation that he would owe at the time of his death,
e, Wnivcl' IIf Hi~b.ijll Mlldilicnlion, The alimony provIsions hereof have been
negotiated 10 tnke into a,'eount the parties' ovemll economic drcumstance~, including the equitable
distribution of prllperly pmvi,!.'d for hcrein, and were agreed to by both partie~ with the specilic
under~tanding that neither the anHlunt nor the'duration shall bc subjcct to modification fi.lr any reason
whatsoever, Thi~ under~tanding was an induccment and condition precedent to the execution of the overall
Agreement. The parlie~ agree that neither will ~eck a modification hereof in any court of law in this
jurisdiction or any other jurisdiction or any other country wherever they may live, The parties specifically
acknowle<lge that in thc event of any attempted nllldilication, the provisions as set I()rth in the paragraph
below entitled "Payment thmugh Domc~tic Relations Oflice" relating to indemnilication and monetary
remunemtion, ~hall becolllc clTective,
d. l'l!mcnllhI'9u~.L!.!,'!!m,~lic.l{c1nlions!Htice, The parties agree that alimony will
be payable through the I )omestic Relations Sedion of the ('ourl of ('omnHln Pleas of Cumberland ('ounty,
Pennsylvania, Ilowever, the parties spedlically acknowledgc that payment through this office is nol
intended nor docs it confer npon the ('ourt any authority to modiry the terms or the alimol)Y as set forth
in this Agreement. Rather, paymcnt throngh the Domestic Relations Oflice is heing made fill' the
convenience of the parties ami Il,r enrorcement purpmes only, Such payment shall not be construed 10
interfere with the contractual relationship that the parties arc establishing pursuant to this Agreement. In
the event either party attempts to change the amount of the alimony pursuant to this agreemenl because
it is payahle through the Domestic Relations Scction of the ('ourt, that party specilieally agrees to
indemnify and hold the other person hal'll1less 1'01' any dccrease or increase so ohtained, They specifically
acknowledge that in the '~ventthatthey wonld llhtain such modification, the ditTeremcc hetween the amount
of alimony to he paid pursuant to this agrccment and any Illodifieation made shail he payable from the
personal assets of the parties, In addition, the parties agree that the party seeking such modification shall
pay nny and all allllrneys fees, costs or consequential damages sustained hy the non-movinl! party,
e. !.ire Insnrnll.....c, Mike agrees III maintain Kay as benefici,lI'Y on a life insurance
policy in an amount to cover his outstanding decreasing alimony ohligation as set rllrlh herein. Mike shall
provide a copy of the "Ice page or the Pllhcy, together with the hcnefidary page to reflect Mike's
compliance with the terms of this pmvision, Fmther, as 10llg as Mike is obligated to pay Kay in accordance
with t\1<~ terms of this agreement, he agrecs to:
(I) Promptly pay all premiums on the policy:
Agreement: and
(2) Maintain Kay ,IS heneliciary on the Plllicy to cover hiS ohligation under the
(J) Not create any lien or horl'llw against the cash valuc of the policy, to the
extent that it would impair payment to Kay ill accordanec with thc terms of this Agreement.
10
lIf'l,IO,IIK II ~flplll ItM -Hhu.:k m~..()It~
20, MEUlCAI. INSl1I{ANCE FOI{ KA y, The pnrties were divlll'ced on ()ecemoer ]0, 1'1'17,
I'lII'sunnttu nn Order of the Ilonol'llole Wesley Oler, Jr. daled Decemoer 16, 1'197, a lIIedical support Order
wns entered, Pursuant 10 Ihis Order, Mike is 10 pl'llvide medical insul'Unce 10 Kay until the earlier of a date
on which n subselluent nlOdilicatiou Order lIIay be entered or Kay no longer satislies the delinition of
eligible dependenl under the plan Ill' unlil Ihl' lime when COIIRA covcrage would otherwise terminute
lilllowing the enlry of a divorce dccrl'e, whichever lirsl occurs, On January 7, 19<)8, a determination wus
signed by the Direclor of Capilal Blue ('I'lISS and on January 15, I ')98, a determinalion was signed oy u
represenlutivc for Pennsylvunia IIlue Shield indicaling that oolh of lhese entities will comply with the terms
and conditions of the Order as a ()ualilied Medical Support Order.
Therelilre, the panics hereoy a1'linn the lerllls of the Order as signed by Judge Oler on December
16,1997, The panics agree. however. lhal Mike's obligulionlo provide medical insurance to Kay, whether
oy way of COBRA or by wuy of Ihe existing ()ualilied Medkal Support Order. shallterminute absolutely
on Decemoer ]0, 2000, which is three (3) ycars following the date of the divor<:e decree,
21. COlINSEI. FI':ES. The parties hereby acknowledge thatlhey arc represented by counscl of
their own choke and Ihat euch is responsihle to pay their own allorney fill' all ullol'lley's fees uno legul
expenses in conjunction with the negotiation and preparation of this Agreement, as well .IS other mullcrs
relating to the parties' murital c1aillls under the Divorce Code of 19l!(),
IV, CIIILUlU:N
22. CIIIU> SlJI'I'Oln, Mik<.: agn:es to continu<.: to pay Kay the SUIII of One Thousand
($I,O()O.()O) Dollars pCI' month fill' th<.: child support of Jessicu, This pUYIII<.:nt shull continue in this amount
through und including S<.:ptember, 2()()O and shall coulinu<.: to b<.: puyabl<.: through the Domestic Relations
Seetiou of th<.: ('ourl. I':ven iu th<.: eV<.:ut that the custodial arraog<.:m<.:nt chung<.:s so Ihat Jessica no longer
lives with Kay, Mike will <.:outinuc h; pay th<.: sumoI' Oue Thousand ($1,000,00) Dollars per month, but
Kay shull coutinu<.: to puy the salll<.: cxp<.:us<.:s for J<.:ssica us sh<.: puid when Jessica resided with her.
Il0wever. und<.:r any and all otl1<.:r circrnllslanccs, Ih<.: parti<.:s sp<.:eilicully agrc<.: thatlr.is agreement sets forth
Mike's <.:ntir<.: liahilily 10 Kuy on account of his child support obligation, To the extent that either party
would s<.:ek a lIIodificalion of 111<.: child supporl obligation through th<.: Dom<.:stic Relations Section of the
Court, and receiv<.:s such Illodilicalion in au amounl difTer<.:nl than this SUI11, Ihenthat party agrees that
he/she will ind<.:nlllify Ih<.: other persoually fill' the difli:r<.:nee hdw<.:en Oue Thousand ($1,000.00) Dollars
per mOllth and any increase or de<.:rl'as<.:, dir<':<:lly from his/h<.:r p<.:rsollal assets,
The partks agree lhat <.:ilher ma) pr<.:s<.:nllhis paragraph log<:lh<.:r with th<.: first alld last pages of this
Agreement 10 Domestic Hdations Sectillll of Ih<.: ('ourt li,r purpos<.:s of ddining their monetary
responsihility till' child suppml.
Kay recdws Ih<.: tax d<.:duetiolls for th<.: ehildr<':1l as 10llg as they ar<.: in her custody,
u. COLU;!jI':, The pani<:s ackllowlcdg<.: lhat thdr oldest SOil. Jon, graduates from college
shortly and ndth<.:r shall addr<:ss any IlH>lI<.:tary responsihility for Jon within this Agreement. With n:gard
to the two (2) oth<.:r <:hildr<.:n, Ilavid and kssi<:a. the parli<.:s sp<.:dlically a<:knowledge the following:
II
IINt!),I)1I II '''plll.~kM.MJll~km~n I)N'
(I) I'ho!)dx Homc J\Jllluall.ifc Insnn.ln~~, ^s notcd abovc, t\'likc slllllltcndcr a chcl'k
to Kay "'r hcr Filiy (50'>;',) pcrccnt intcrcst in thc nct cash valuc of thc policy within two (2) days of thc
transfcr uf thc funds in thc Oldl' Discount account. Kay agr~~s that shc shall cqually dividc thc sum that
shc rcccivcs into two (2) accounts, ouc li'r David and onc li'r Jcssica, Thcsc accounts arc spccifically
delincl'tcd Illl' thc childrcn's collcgc cxpcnscs, Mikc also agrccs that hc shall duthc samc,
(2) Sllccilicilv or l'IH'IIIC!!.!, Ilowcvcr, thc partics agrcc thatthcy shall mutually schcdulc
anappointnu:nt with Wifc's accountant to dctcrminc thc mostadvanlagcous mcans of funding thc collcgc
cxpcnditurcs, Thcy shall both pay tiny ()O%) pcrccntofthc iKClIuntant's costll,r assisting thcm in making
this dctcrmination and thcy shallthcrcalicr Il,lImv thc dccisioos madc al thc mccting with thc accountant
Il'r purposcs of funding and handling thc collcgc accounts, In thc cvent thc accountant suggcsls a
mc~hanisl11 for funding thc cullcgc contrihutiuns to thc childrcn in a Itlshionlhat is diflcrcnt than sctll)rth
abovc, which is agrccable to hoth panics, thcnthcy shall not h~ bound to cstahlishing thc two (2) scparatc
accounts as notcd in I'amgraph 22,a,( I) ahovc,
(-') Custodial "~COu!!!~, Thc panics acknowledgc that hoth David and Jcssica prcscntly
havc custodial accounts, Mikc shall bc namcd on thc custodial an:ount "'I' David and Kay shall hc namcd
on thc custodial accounl li,r Jcssica,
(4) J)avid and ,lcssicu Sumlller EmplovlII~nt, Thc partics agrcc that any funds that
David or Jcsska carn whilc gainfully cmploycd during thc SUlllmcr, which funds arc w;cd hy him or hcr
toward undcrgraduatc collcgc cxpcnscs, will hc matchcd by thclll, dollilr-li,r-dollar, up to a total ohligation
of '/ hrcc Thousand ($1,000,00) Dollars pcr child li'om cach parcnt pCI' SUlllmcr,
(5) Extcnt or Liahilitv, Thc undcrstandings sct lill,th within this ^grccmcnt arc thc
cxtcnt of thc Icgal ohligation that cithcr parcnt has to contrihutc toward any of thc childrcn's collcgc
cducation, Inthc cvcnt thcy clectto contributc funds hcyond thc sums sct li,rth within this parngmph, stich
contrihutiol1may 110t bc inlcrrcd tOlllakc cithcr of thcm liahlc Illr any additionallllonclary ohligation from
a Icgal pcrspcctive,
((.) IIcullh InSllnlnl'c. Thc partics acknowledgc that Mike is presently providing hcalth
insurancc through his cmploycr IiII' thc covcragc of thc panics' childrcn, Mikc shall continuc to do so as
long as he is cmploycd by an clllploycr from whom insurancc is availahle and is ahlc to provide covcragc.
in accordance with thc tel'lllS of the mcdical carrier, li'r the childn:n,
(7) EXllcnscs n~lt ('ovcrcd !!L1nsll.D!!!!:t, Mike and K..y sh..1I he cqually responsible
IiII' any non-covercd dental ~xp~nscs or thcrapy c,xpcnscs ti,r David and Jessica as long as they arc minors,
Mike agrecs hc will he rcsponsihle for nincty ('ill",j>) p~rccnt and Kay will bc responsible Il)r ten (10%)
pcrcent of the unreimhurscd medical expcnscs fllr th~ childrrn, as such cxpenscs arc delined umler the
Support Guidelines. lhis li..hility shall ccase uponthc childrcn rcaching age twcnty-tilllr (24) or graduation
from collegc, whichevcr lirst occurs unless th~ parties agrel' oth~rwisc,
(H) J.ifc Insur:III~~, Mike acknowledgcs thatthc Sllll1 of insurance he shall continue to
carryon his IiI,: lIpon which Kay is listcd as the hcndiciary shall he an amount sufl1cicnt to cover his
obligation of child support pursnant 10 thl' tcrms of this paragraph, lhc provisions of thc life insurance
12
Unillli'lK '11ftI'll! RMlIluI:k IIlM. 1)111
pmagruph sel lilrlh under ^limony ahove, arc herein incorporated hy reference herein, liS if sel lilrth at
length,
23, ~'III1.UIU:N ^S TJlIIU) l'AlnV UENIWICIAIUES. II is spedlkally underslood and
agreed hy !.Ind hctweenthe parties hereto, lhat as to lhe provisions herein pertaining to the parties' children,
lhe children shall he, arc intended 10 h", and aI''' wntclllplat"d to he. Ihird party hv'n"ticiuries with further
entilreeahle rights in Ih"ir own Ilalll'" and slead,
V. W AIVlmS
24, W ^IVEI{ OF I'ENNSVLV ANIA IHVOI{('Jo: ('OUE ImarrS, ^II property set apmt
her"in either now llI' in th" future as the s"parat" prop"rty of cilh"r Mike or Kay and all property now
owned hy or litled 10 Mik" or Kay individually or property aeq'liml hy Mike or Kay individually at any
time after the exev'ution of this agreement shall remain Ihe separate property of Mike or Kay and shall
under no circumstances he considered as, or dcemed 10 h" or eonslrued to he "Illarital property" as Ihat
term is used in the Pennsylvania Ilivlll'cc ('ode and such prop"rly shall expressly not he suhjeet to equilahle
distrihulionnor shall any appredalion in valae or such property he suhjcctlo "quilahlc distrihution, This
^greelllel1l shall be deemed 10 be ,Illd eonslrued 10 he a valid agreement lilr the purpose of waiving the
provisions concerning equilahle distrihutionlls that terlll is used in the Pennsylvania Divorce Code of 1980,
as amended,
25. WAIVER (W SlII'I'Oln. ALIMONY I'ENIWNTI': LlTE/^LlMONY, Both parties
acknowledge that this agreement sets rorth their entire ohligation ror paymenl of spou~1 support, alimony
pendenle lite. temporary alimony or permanent alimony to the other spouse as those terms arc defined in
support and divorce legislation that now exists or may he created in the future, Unless specifically
provided, each spouse waives their right 10 hereinafter tile any action, or claim. to tile for modification or
otherwise seck ineollle eonlrihution rrom the other.
2(,. IU:U:ASJo: (W INTEIU:s-r IN SEI)AI{ATJ";"^S~J'S~ lhe parties hereto agree to waive
any and all right to claim any interest or share in the separate assets retained hy the other spouse.
27. W AIVI':I{ OF C.:I.AIMS A(;AINST ESJATI':S AND MlITlJAI. IU:LEAIiE. Except as
otherwise herein provided. each parly may dispose of his or her property in any way and each party hereby
waives and rdinquishes any and all right he or she may now have or hereafter acquire. under the present
or future laws of any jurisdiction. 10 share in Ihe properly or the estate or the other as a result of the
mmital relationship induding. withoul limilalion, dower, thirds. courtesy. allowance, widow's allowance,
homestead righls, right to take in inlestacy. right to take againsllhc will of the olher, and right to act as
adlllinistrat<'f/exeeutor or the other's estal" and each pmty will. at th" reque:;t of the other, execute,
acknowledge and deliver any and all instrulllents which Illay he necessary or advisahle to carry into effect
this mutual waiver and relinquishlllent of all such interests. rights and claims, The parties waive and
rclease any and all rights to the other's "stat<:. including the rights or set,off. any and all distributive shares
and any and all rights or election provi,kd fllr hy the laws of this or any oth"r state or jurisdiction,
1\
I IfII I n,ljfl II ~fllllll "'M."lud.rnMI'IJIl~
I~nch of thc pnrtics herelo by these presents, for himself or herself. his or her heirs, executors.
ndministmtors, or nssigns, docs remise. release, 'Iuil elaim and li,rever discllllrge the other parly hereto, his
or her heirs, executors, administmlors ur nssigns or nny of them, of any and all claims, demands, damages,
IIclion, cuuses of action, or suits al hlw, or in e'luity, of any kind or nature, ti,r or hecause of any matter
or thing done, omilled or suffered 10 be done by said ulher party prior to ami including the date hereof;
the purties specilically wllive any and all righls Ihat Ihey may have to e'lUilable distribulion of marital
property and/or nlimony and couns<'1 fecs or any olher nlllrital righls as provided in Ihe Pennsylvania
Divorce ('ode, or any amcndment.
It is specilicnlly acknll\vledgcd Ihat the parties have secured ami maintained a suhslanlial and
adC<luate fund with which to provide li'r Ihemselvcs suflicienltinancial resources 10 provide lilr their own
comlilrt, maintenance and SUPPOlt, in the station of life to whieh they ure accustomed,
VI, CONTlNlIIN(; IU:~I~,~~,~_IHlJ.n!l-;~
2M, CON....W\:lAH)IH. 110ClIAmNTS, Mike and Kay covenanl and agree Ihal they will
tilrthwith (and within at leasl Iilken (15) days alkr demand therelilre), execute any and all written
instruments, assignments, releases, satisfaclions, deeds, titles, noles or such other wrilings as may he
necessury or desirable till' the proper efli:duation of this Agreement. The parlies will furlher deliver 10 each
other whatever personal papers. documents or writings thai each now possesses which arc Ihe properly of
the olher,
VII. IHSCLOSlJI~,ES
2\1. HILI. UISCI.OSlJIU: Oil ASSETS, Each of the parlies hereto acknowledges Ihat he or
she is aware of his or her right, 10 engagc in discovery, including hut not limited to written interrogalories,
llIotions for produdion or doculllenls, the taking of mal deposilions, the tiling of inventories and
appmiscments, incomc and expense slatements. prelrial stalements. and all olher means of discovery
permitted onder the Pcnnsylvania Divorce ('ode or the Pennsylvania Rules of (,ivill'roccdure and each of
the parties specilically waives his or her righllo engage in such discovery or rC<luire the other parly to liIe
additional re'luisite documents, I':ach party has made independent imluiry into the complete financial
cireulllstanccs of the olher party and is fully inlill"lned of the income. assets, properly and financial
prospects of the othcr. Further, each parly acknowledges they understand ami spccilkally waive his or her
right to have the estate and assets togelher wilh earnings and income of the other assessed or evalualed by
the ('OUrl of this Commonweallh or any other ('ourl or clllnpetent jurisdiction,
The parties conlirm thai Ihey have relied on the complctcness and suhstanlial accuracy of the
tinancial ,hsdosure of the olher as an inducement to the execution of this ^greemenl. The parties
acknowledge that they have tiled an Imcntor)" and ^ppraiscmenl as re'luired hy Section 3505(b) of the
"ennsylvania I livoree ('ode, Notwithslanding the rorq;oing, the rights of either parly to pursue a claim
li'r equitahle dislrihution, pursuanl to Ihe Pennsylvania I>ivor~c ('ode, of any inlerest owned by the other
party in an asset valued in excess of I,i.... Ilundred ($'illll,()()) Dollars of any nature at any time prior to the
date of execution of this Agree11lent thaI "'IS not disclosed 10 the other purty or his or her counsel prior
tll the date or Ihe <"ithin Agree11l<'nl is <'spressly reserved, In the event Ihat either party, at any time
hereafter, discovers such an undisclllsed ass<'\. Ill<' party shall have the righl to petition the Coml of
1,1
unlllllllll II ~i\1'1II MM wtui;k m~lI UII~
('ommon Pleas of ('umherland ('ounty to make e1luitahle distrihution of said assel.
The non,disclosing pmty shall he rcsponsihle for payment of reasonahlc counsel fees, costs or
expenses incurred hy the other parly in seeking equitahle distribution of suid asscl.
Notwithstanding thc Illl"cgoing. the Agrcel11ent shall in all other respects rcmain in full force (md
effect.
VIII, CLOSIN(;S
,,<<,. IU:I'IU:SENTATION IIY ('OlINSEL. The provisions of this Agrcement and their legal
aflc~t have been fully explaincd to the parties by their rcspective counsel. Kay has cmployed and had the
bendit of counsel of Maria 1', ('ognelli, Fsquirc, as her allol'l1cy, Mikc has employed and had the benclit
of counsel of Karcn L. Sellll11elman, I'squirc, Esquire as his allol'l1cy, I':ach parly acknowledges that he
or she has rcceived indcpcndent legal advicc fl'lllll counsel of his or her sclection and/or has becn adviscd
of his or her right to indepcndent legal counscl: that each rully understands the !;ICts and has been fully
intill'lned as to his or her icgal rights and obligations: that each parly acknowledgcs and accepts that this
Agrcement is, 1l11der the circul11stances, 1;lir and equitable. and that it is being cntered into freely and
voluntarily after having received such advicc and with such knowledge: that execution of this Agreemcnt
is not the result of any duress or undue influence and that it is not the result of any collusion or improper
or illegal agreemcnt or agrcemcnts, In add:tion, each party hereto aeknowlcdges thal he or she has been
fully advised by his or hcr respcctive attorney of the impact of thc Divorce Codc of 1980, Further. the
p.lrties acknowledge that the court has thc right and duty to determinc all marital rights of the parties
including divorce. alimony. alimony pendente lite. cquitable distribution of property. counsel fees and costs
of litigation, and fully knowing thc same and hcing fully advised of his or hcr rights thereunder, each party
hereto still desires to execute this Agreement. m:knowkdging that the terms and conditions set forth herein
arc fair, just and equitahlc to each or thc parties and hcrchy waivcs their rcspcctive rights to have the Court
of Common Pleas of CUlllhcrland ('ounty or any other court of compctent jurisdiction to make any
dctcrmination or order affecting thc respective partics' rights, Each of the parties hereto further covenant
and agree for themselves and thcir heirs. executors, administrators and assigns that thcy, he or she, will
never at any timc hercaf'tcr. sue the other party or his or her heirs. executors. administrators or assigns, in
any action. direct or indirect. that thc're was any absence or lack of full diselosurc, fraud, duress, undue
influcncc or that therc was any ahscncc or lack of full. propcr and indcpcndcnt representation.
-'I. NO MERGEI{ IN U1VOI{('E, When either of the parties shall rccover a final judgment
or dccree of ahsolutc divorcc against the othcr in a court of cOl11pctcnt jurisdiction, thc provisions of this
Agrecmcnt may hc incorporated hy rcferencc or in suhstance but shall not bc decmed merged into such
judgmcnt or decree and this Agrccl11cnl shall slll"vive any such linaljudgmcnt or <lecrce orabsolute divorce
and shall he cnlirely indepcndent thercof.
.12, I'IUOR ",_(;IU:I.:I\U:NT, II is understood and agrced that any and all property settlement
agrcements which mayor have heen cx<'cutcd prior 10 thc date and time of this Agrecment are null and
void lInd of no cflccl.
1:\
Hi'lIIU.'I" II ~"I'rn ItM Iiru~~ "n. II"~
,l], SlIllSIo:Q-'Jj~T IU:('(tJ'I<JJ.J1AT!!l..N, lhc partics IIgrcc thatthc tcrms of this Agrccmcnt
shllllnot bc lIf1ectcd hy their suhscqul'nt collllhitationor rcsumption of marital rellltions unlcss thc partics
othcrwisc spccifieally agrcc in writing,
:I.a, ENFOIK'EI\-U~N'L!!.LM;J~El';I\-U':NT, lhe partics agrcc thatthc lilllowing tcrms apply
tothc cnforccmcnt of thl'ir Agrccmcnt:
II, Jo:(l,!!!D.:' It is cxprl'ssly ulldcrstood alld agrccd hy and hctwccnthc partics hcrelo that
this Agrccmclllmay hc spccilically cnforccd hy cithcr Mikc l1l' Kay ill I':quity, and Ihc partics agrcc that
if an action to cnforcc this I\grccmcllt is hrought in Equity ncithcr party will makc .1n objcction on thc
allcgcd ground of lack ofjurisdi<:tiou or thc court hccausc thcrc is an adclllHIIC rcmcdy at law, Thc partics
do not intcnd or purport to impropcrly conteI' jurisdiction on a court ill Equity hy this Agrccmcnt, butthcy
agrcc as providcd hcrcin for thc liman of cquity in mutual rccognition of thc gcncral jurisdiction of courts
in Equity ovcr agrccmcnts such as this onc,
h, Actioll at I.aw,} Notwithstanding anything to thc contrary hcrcill, Mikc .lIld Kay may
also procccd with an action at law till' rcdrcss of his or hcr rights undcr thc tcrms of this Agreemcnt, and
in such event it is specifically understood and agrecd that till' and ill spccific considcration of thc othcr
provisions and covcnants of this Agrecmcnt, cadI shall waivc any right to a jury trial so as to expeditc the
hCllring and disposition of such casc and so as to avoid delay,
e. fosts. EXllcnscs, Fccs. Each party hcrcby agrecs to pay all attorney's fces, costs.
dwnages or collatcral expcnscs thaI thc othcr spousc may sustaill or illcur in any way whlltsoevcr liS a
consequcncc of any default or hreach by thc other spousc of .lIlY of thc tcrms or provisions of this
Agreemcnt. providing that thc party who sccks to rccovcr such fecs, costs. cxpcnses IInd damagcs, clearly
delllonstratcs that a brcach has ill fact occurred, It is thc specific agreemcnt and intent of the parties that
breaching and wmng doing party shall bear thc hurdcn alld ohligation of any costs. cxpenses, damages and
ICes incurrcd by himsclf or herscll'. as wcll as thc othcr party in cndcavoring to protect, enforce and
preserve his or her righls under this Agrccmcnt. The partics acknowledge ti1<ltthc hourly rate charged by
cach of their counscl alld coullscl's paralegal at thc timc such brcach occurs, is an appropriate rate for
which they will be liable undcr this Paragraph,
d. ('odc Il I'oy is iO!!!l , For elllilrccmcllt purposcs of any tcrms of this Agreement, the
parties specifically ackllowledgc thatthc Fcbruary 12. I 9XX amcndmcnts tothc Divorcc Code of 1980 apply
to this Agrccmcnt. illcluding, but not limitcd to. Ii J 105 and Ii J502(c), The parties spccifieally
ackaowlcdgc, howcver. thatthc application "I' thc Amcndmcnts for purposcs of cnlilrccmcnt do not entitle
the Court to modify thc privatc tcrms of this Agrccmcnt as sct forth in this Paragraph, Rather. they
specifically affirm thcir concurrellcc to thesc tcrms,
:15, VOLlJNTAI{Y 1':~E(,lITION. lhe pmvisiolls of this Agreement alllltheir legal effect ha~'e
heen fully explaincd 10 the partics hy counsel alld each party ackllowledges that this Agreement is fair and
equitahle. that it is heillg cntcrcd into voluntarily. and that it is not thc result of any duress or undue
influence,
III
_I
Ohlln1jk II ~fll'U1. MM- Illu&;k mil - n.~
3(,. ENTIIU: AGIU:EMI':N'I~ This Agrecment contuins the entire understundings of the purties
und there ure no representutions, warranties, COVCIHlnts or undertukings other thunthose expressly set tilrth
herein,
37. MOI)WICA'!JON ANIl WAI\:,lm. A mllllilication or waiver of any of the provisions of
this Agrecment shall hc elTcctivc only if made in writing ullll executcd with thc sumc formality ,IS this
Agrccmcnt. The failure of cither pan)' to insist upon strict perltlflllance of uny of thc provisions of this
Agrccmcnt shall not hc construcd as a waivcr of any suhscqllcnt delilllltof thc samc or similur nuturc, Any
waivcr hy dthcr party of any pmvisions of this Agrcemcnt or any right or opcration hcrcundcr shall not
hc controlling nor shall it prcvcnt or cstop such party from thcrcaftcr cnforcing such provision, right or
optiO)land the failure of eithcr party to insist in an)' onc or more instanccs upon thc Btrid performunce of
any of thc tcrms or provisions of this Agrccmcnt hy thc othcr party shall not hc construcd liS a wuivcr or
relilllluishmcnt for thc futurc of any such term llI' provision, hut the samc shall continuc in full forcc and
cffcct.
38. SITUS, Regardless or where the partics may rcsidc or hc domicilcd in thc futurc and
rcgardless of thc situs of any of their propcrty. their propcrty rights aftcr marriage, thcir rights under this
Agrccmcnt, und the intcrprctation of this Agrccment shall he construcd and governcd undcr the laws of thc
Commonwcalth of Pcnnsylvania in effect as of thc datc of this Agrccmcnt.
39, I'AI~TIAL INV ALlUlTY. If any provisions of this Agrecmcnt arc hcld to be invalid or
uncnforecahlc, all othcr provisions shall ncvcrthelcss continuc in full t(lrce and crfcct.
40, H1NI)ING EFFECT. bccpt as othcrwisc statcd herein, all provisions of this Agreement
shall hc hinding upon thc rcspcctivc heirs, ncxt of kin. and pcrsonal rcprcscntativcs of the parties.
41. TIUI'L1CATE COPIES, Thc partics hcrcto agrcc that thc within Agreement shall be
cxccutcd hy thcm in triplicatc originals,
IN WITNESS WIIEIU:(W, thc partics hcrelo, aftcr full disc\o.mre madc, havc signed, sealed and
acknowledged this Agrccmcnt in triplicatc (.1) countcrparts, each of which shall constitute an original.
SlONE!), SEA!.ED AND DI'I.IVI'RW
IN Till' PRESENn: OF:
;t{~_ 0;;;;:dL
W'''~"' 'Y V/91
~/
C.,.,/ '.,
;r:/{W,^'i'I~~~'K~r}l-
'> /"'./ ./ ./2:'-
~o/<,../:~r
---.......,,/. , , ........----. -
, MICHAl,:!. L. OI.lJCK
17
MICHAEL L. GLUCX,
Plaintiff
va.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 96 - 2075 CIVIL
MARY KATHLEEN GLUCK,
Defendant
IN DIVORCE
AND NOW,
OR"R ~~ ~
this ~ day of
1998, a divorce decree having been entered previously on
December 30, 1997, and the economic claims raised in the
proceedings having been resolved in accordance with a property
settlement agreement dated June 10, 1998, the appointment of the
Master is vacated.
BY THE COURT,
Xaren L. Semmelman
Attorney for Plaintiff
Maria P. Cognetti
Attorney for Defendant
P.J;
co:
Cop' fS rh~ ,!tel '-Ilffrj>
I)", IIl'JK II ~~I'm [(M Wlud 1Il~11 1)11'
22. COUNSEL PEES, 9
IV. CHILDREN . . . . , 9
23. CHILD SUPPORT, 9
a. COLLEGE. . . . 10
(1) Phoenix Home Mutual Life Inaurance 10
(2) Custodial Accounta . . . 10
(3) David'aSUIllIIIerElIIPlovment .... 10
(4) Extent of Liabillli . , . . . . . 10
(5) ,Health Insurance. ....... 10
(6) EXDenaes not Covered by Insurance. 10
(7) ExelllDtions, ,..,. . . . 10
(8) Life Insurance. . . , . . . , . . 11
24. CHILDREN AS THIRD PARTY BENEFICIARIES 11
V. WAIVERS.....,.."........,.. 11
2 5 . WAIVER OF PENNSYLVANIA DIVORCE C~ RIGHTS. . , 11
26. WAIVER OF SUPPORT. ALIMONY PENDENTE LITE/ALIMONY. 11
27. RELEASE 01" INTEREST,IN SEPARATE ASSETS. n
28 . WAIVER OF CLAIMS AGAINST ESTATES_ AND MUTUAL
RELEASE. . . . , . . , 11
VI, CONTINUING RESPONSIBlkITIES 12
29. CONFIRMATORY DOCUMENTS . . 12
VII. DISCLOSURES. . . . . . . , . . 12
30. PULL DISCLOSURE OF ASSETS. 12
VIII.CLOSINGS . . . . . . . , . . . 12
31. REPRESENTATION BY COUNSEL. 12
32. AGREEMENT NOT TO BE INCORPORATED INTO DIVORCE
DECREE. .....,.,. 13
33. f,RIOR AGREEMENT . . . . . 13
34. SUBSEQUENT RECONCILIATION. 13
35. ENFORCEMENT OF AGREEMENT. 13
a. Equity.....,.. 13
b. Action at Law. 14
c. Coata. EXDenseB. Fees. 14
d. Code provisions, 14
36. VOLUNTARY EXECUTIO;!;L. . . 14
37. ~NTIRE AGREEME~ 14
38. MODIFICATION AND WAIVER~ 14
39. ~ITUS. . . . . . . , 15
40. PARTIAL INVALIDITY. 15
41. BINDING EFFECT. 15
42. TRIPLICATE COPIES. . 15
II
1111[11'11\ " 1"1'111 MM 1!11I~~ 1I1~1I Il"~
I'IUW.:IHY SJo:TTU:MENT ,\(;IU:EMENI
In:TWE.:N MARY KATIII.HN (il.(l('" ANI) MI(,IIAEI. I.. (iI.lI(,K
nlls A(iIU:EMENT, made Ihis lit /", day of '-i( h" , 199K, hy .lI1d
hetl\wn MARY "Anll.l':.~N (iI.ll(''' thereinafter referred h as "KAY"), of ('umherland ('ounty,
Pennsylvania, and MI<'IIAEI. L. (;(.11('" thereinai'ler relerr d to as "MIKI:"), of York ('oullly.
Pennsy Ivania,
WIIEREAS, Ihe parties \\ere married IIn ;\pril 20. 1974: ami
WIIEIU:AS, there were Ihree (3) children horn Ill' the marriage, namdy, Jon OIuck, date of hirth
March 'I. I'P!!, Da\ id (illld,. dalc "I' hirrh July .I, 1'17'1: and Jessiea (iluck, d.lle of hirth M.lrch 2.1, 19!!2,
WIIU{EAS, diverse unhappy diflercnws. disputcs and diflkultics have ariscn hctwccn the partics
and it is thc intentilln of Kay and Mike tll livc separak and aparr IIII' the rest of their naturalliws, Thc
parties hcreto arc dcsirous of sellling fully and linally their rcspcctive Iinancial and propcrty rights and
ohligations as to cach othcr induding, \\ithllut limitation hy spccitication: the scttling of all matters
hel\\ccnthcm n:lating to Ihe <l\\nership alld equitable distrihution ofrcal and personal propcrty: the settling
of all malleI'S hemeen them rdating to the past, presellland future suppllrt, alimony and/or maintenance
of Kay hy Kay or of Mike hy Kay: and, in general. the sellling Ill' any and all daims and possihle daims
hy or against the other IIr against their respective estates, which daims may have arisen pursuant to the
Di\lIrce Code of I 'lXI),
NOW, TlIERU'OIU:, \\ith the fllreglling recitals heing hereinafter incorporated hy reference
herein and deemed as an essential part hereof. and intending t" he legally bllund hereby. and for other good
and sufficient consideration. the receipl of \\hich is hcreby ,Icklllmledged, the parties mutually agree as
1I11l0\\s:
I, INTI{OUlI(,TION
I. SF:I'ARATION, It shall be lawfulti,,' each party at all limes hereafter to live sepamte and
apart fromlhe other party at such place IIr placcs as hc or she may, frum time to time, choose or deem lit.
2. EXE<'IITION IMTJ.:. The dak of the i\greement is the execution date unless otherwise
noted in a specific pal'lgraph,
-" NO INTERt'EIU:N(,I':, I'ach party shall be free from intcrtcrence, authority and control.
direcI or indire'c!. hy the other as fully as if he IIr she \\crc single and unmarried, Neither shall molest the
other, nm cllmpel. nor endcavor tll compd Ihe other tll cohabit or dwcll \\ ith him or her,
-4. IU:1'!!lU!'TlYF: u..t:,\l!INWi, The descriptive headings used herein arc till' convcnience
only ,I hey sh.11I have nIl eflcct v\hatsoe\er in dell:rmining Ihe rights or IIbligations of the pmties,
Oh III'I~ II 1111'111 ~M lllu~k 111~1I /)II~
!I, EH'Jo:('TIVE HATE. TIll: d'1i:~liw dat.: llf this ^gr':':Ill':llt shull h.: th.: "dat.: or ,:x':~Ulillll"
llr "':,\':~Utillll dat.:," ddiu.:d as th.: dat.: Upllll 1111l~h it is .:x.:~ul~d hy th.: panks irth.:y huw .:m:11 ,:x,:~uI.:d
this ^gr.:.:m~1l1 Ih.: salll.: dat.:, Oth':i'\\is.: Ih.: "dal.: llr .:x.:~ulillll" llI' ",:x,:~ulillll dat~" "I' Ihis ^gr.:.:m':1l1
slmll h.: ddill.:d as th~ dOli.: or .:x.:~ulillll hy th~ purty last ~w~utillg Ihis ^gr~~m':IlI,
II. I'IWI'EIHY IlISTlWIlITION
6. IHVISION OF I'EI{SONAI. l'IUlI'ERI'Y. Oth.:r Ihan as s~tlilnh ill this agr.:.:m':IlI, th.:
partks ugr~~ Lhat .:adl shull 01111. PllSS':SS and ~njllY. 1'1'':': I' Will allY daim llf th.: llth~r, th.: p.:rs\lIlalty ill
his llr h~r Pllss.:ssillllllr wlltn>llln th.: dat.: llf Ih~ ~x':':Uti\lllllf this ^gr.:.:m':IlI, illduding. hut nllt limit.:d
III all furnilur.:. furnishings. rugs, ~al'J"-'ls, dlllhing, j.:wdry, Illujllr and minllr appliall~~s. ':l(uipm':llt, lllllls,
pklur.:s, pailllings, hll"ks, I\<l~'ks llf urt. d':~llrati"ns, silv.:... ~hina. glasswur.: alld ullY llth~r it.:m or lunglhk
prop.:ny llf Ilhat':lw 11lILlII'': or Ilh.:r':lw Ill~at~d, Ludl party h.:r.:hy 'iuit duims. assigns alld ':OIlV':YS to
Ih.: party d.:signat.:d h~r.:in as th.: O\ln.:r all su~h p.:rsllllal prop.:rty, Illg.:th.:r with uny illsurun.:.: plllici.:s
~llv.:ring that prop.:ny und any .:s~nl\\ a__Olmls rdatillg III thuI pl'llp.:rty, This ^gr':':Ill~nt shull ':llnstitute
a surtici.:nt hill or sak t" ~vid.:n~.: th.: transli:r llf any and all rights in su~h prop.:rty from on.: purty to th.:
lllht:...
u, I{escrv~d Assets.Th.: parli~s sp.:cilkally agr.:.: Ihul th.: f"lIllwing it.:ms shall h.:~ome
th.: prop~rty llf th.: individual as nllt.:d:
(I) "'umih:_J..!~!\dry and llcirlllllllls, frllm Mike's Fumily, Th.:s.: items shall
h':~llm.: Ih.: prop.:rly llf Mik.:,
(2) Sufe IlcPllsit IIIIX und ('lIins, ^ sale d':pllsit hox has been maintained
throughllutlh~ marJ'iag~ and continu.:s tll ':Xisltllday, In additilln. Kay op.:n~d a sali: depllsil box alier the
dat.: or s~paralilln and pla~.:d marilal wins th.:r~in, Th.: parti~s agr.:~ Ihal Mik.: shall relain as his separate
prop.:rly th.: pl'llllf s~ls ~llntain.:d wilhin Ih.: saf~ deposil bllX. \\ hkh induue, hul arc not limited to. the
Am.:rkan higl.: silver prllllf sets. Am~ri~an Lugk gold prollf s.:ts, Statu.: llf I.ih.:rly proof sets and any
olh.:r prollf s.:ls that ar~ .:xisling in th.: sali: d.:p"sit hllx llr in .:ilh.:r llr th.: parti.:s' possession, Other than
th.: prollf sds, th.: partks agr.:.: Ihatth.: gllld ~llins. silvw hal'S. silv.:r dollars and su~h "ther coins shall be
divid.:d ':'iuully h.:tllwn lh.: parties, It is no led that Sllm.: llf Ih.: wins (.:xdusiv.: of the pJ'()(\f sets) are
1""lt.:d in lh~ sale d~p\)sit hoxes, Th.: parti.:s sp.:cilically u~knllwl~dge Ihal Ih,: wins that have been
~olk.:led and hdllng I" Jon and th.: coins Ihat huw h.:.:n wlk~tI:d and hdllng 10 Duvid shall remain the
ehildren's Pl'llp.:rty und ar.: not murilalassds 1'''1' divisilln helw.:.:n Ill<: parties,
In uddililln to Ih~ Illarilal sali: d':pllsiL ho,\ th.: parti.:s had during the Illarriage, the parties
u~kllO\lkuge thai Mike hus a safe ,kpllSit hox Ililh I'der Ilri~r. M,Il, in whkh I.:n (10) gold coins exist,
hall' llf \\hkh hdong t" Ill', IIrier and hall' of \\hieh hdong t(l Mike, These ~oins urc included in the
divisioll or Lhe ~(lins us nlll.:d ahole,
m
alld similur melllorahiliu,
Pcrsllllul Eft'c..J~, ~llk.: shall re~ciw his persllnal dTe~ts, induding yearbooks
,
Illl It! '11\ II l'lplll It!\! jlhlL~ Ill\jl IJII~
(4) CIlnhk! S~t und Shubbnt ('lIndl~stlcks Frum Mikc's .'Ilmilv, Th~; pnrtics
ackn,)\\ledge Ihul these items have heen in Mik."s family IiII' years, They shall cuntinue to he in the
possession uf Ihe purent \\ho has custudy uf Jessica, :\tlhe time that Jessica estahlishes her uwn huusehuld.
the cunister set and Shuhhut cundleslicks may he lakell hy her hI her househuld, since Ihey arc considered
Jessica's properly,
(5) ClImcrll E'luinmcnt, Mike shall receive the videu camera, All other camera
equipmclll in Kay's pussessiulI shall remain with Kay,
((.) I'botol!runhs of thc Childrcn. Wilhin sixly (60) days uf the execuliun of
this /\greemelll, the parties shall schedule all appuilllmenl lu meet in order tu revicw the photogmphs of
Ihe dlildrell and Ilnllily, Mike shall select the phutugraphs Ihat he desires tu receive, If Kay wants lm)' of
Ihe phutogmphs \\hich Mike sdects. then the phutographs shall he reproduced and the Cllsl uf such
reproductioll shull he splil e'luallY hemeell Ihe parties,
b, Illltc of Obtcntion, It is agreed that these items shall he transferred lu the
appropriate illdividual wilhinthirl)' (:101 days uf the dale of the execulioll of Ihis Agreement, to Ihe extenl
the exchallge has nul transpired priur hI its exccutioll \\ilh the exceptiun of I'amgmph (6) .Ihove,
7, MOTOK VEIIICl.t:S. The p.lrtics agree that Mike shall heeume the sule lllld exdusive
ll\\ner of Ihe 199:1 Mitsuhishi :1000 alld the Il)X5 IIMW M5, which vehicle he has sincc truded in on
another vehide, The parties agrcc Ihal Kay shall hecome the sole alld exdusive owner of the 1994 Volvu
and Ihc 19X9 CheHulet Suhurhan,
The parly receiving the \ehide agrees to he suldy respunsihle for an)' dehland hold rhe
olher party harmless till' paymentlhereuf, If any daim or actiun is initiated againsllhe non, owner seeking
to hold Ihem liahle IiII' the indehtedness so slaled. the vchide uwner willut their sole expense delend the
IIOI1-<)\\lIer againstllny such daim alld he or she \\ill illdellmify and hold harmless the non-owner in the
event Ihat he or she is hdd liahle lin Ihe paynK'nt of Ihe illdehtednes~1.
H. ,\('(,OliNTS, IKAs, I~ETIIH:!\n:NT HINIlS. STOCKS ANIl BONIlS, AI the dule of
separation. Ihe partics had Ihe ti,IIll\\ ing accounts:
ACCOlINT Ntl!\lIn:K
AI'I'IWXIMATE BAI.ANCE IItISIIANn/WIFF.
I'armcrs Trust chccking
l-"illlllldlll I"rusl Corp, chccki:lg
lICCOUllt //001240595
$12,000,00 Wife
$llnkno\\n WilC
l-"irst I'cderul of lIarrishurg
roololle)' roolarkel aCCllullt 1110-06-
151057
$llnknll\\1I WilC
Farmers checking
$5.045,00 Wife
,1
I),., III '1M II lllplll I<M j:hj~1. tll~.1 II'"
dll~umenls shall h~ t>lIr1le ~quall~ h~ Ih~ partks, An~ ~lIsts in~urr.'d hy eadl party tll their allllmt:ys shall
h.: their s.:paml': r':spllnsihilit~, Kay agr.:t:s III dmn Ihis dll.:umt:nt 1\11' preapprmal hy Mikt: and the l'lan
Administratllr \\ithin a minimum 'If thirl~ 1.\0) days Ill' th.: dat.: Ill' the ,:x':~lIIillnllf Ihis Agrt:.:mt:nl. Mike
agr.:.:s tll ~lIl1p.:ruI': in t:.\t;.:nting any and all dlleumt:nls n':et:ssary in IIrdt:r haw tht:st: funds appropriatdy
translerred III Kay, llnd.:r any and all dr~umsllllK':s, hIlIWIW. il is th.: purtks' irlt~ntthat th.: lax dderr.:d
status Ill' su~h funds is tll r.:main inta~l. Tht: parties a~knll\\kdg.: Ihal Mikt: shallnllt h.: rt:spllnsihk 1\,1' any
taws IIn tht: funds distrihult:d III Kay and tll the .:xl.:11I thai any sueh Iiahilily \llIuld h.: impllst:d, Kay
agrt:t:s III indt:mnif~ and hllld him hannkss fllr sud! talahk .:vt:nl. Ik~aus.: sllm~ Ill' th.: funds in this
a~~llunt are il1\ .:sl.:d in t:quili.:s, tht: parti.:s agr.:.: thatlht:) ,hall illintl~ \llIrk \\ ilh thdr r.:sp.:~tivt: tinan~ial
mil i,ms Ilhll managt: tht:s.: funds III ,kl.:rmin.: th.: IIlllst appl'llpriate mt:.:hallism tll allll~alt: the funds,
Ill) I.imil.:d Partnerships, Th.: partit:s a~knll\\kg.: tlhlt ~lll1lained \\ithin
lit.: Fr.IA Prlllil Sharing Plan lilr rllo II1I.:rnisls Ill' ('.:ntrall'a, art: lilur (4) Iimitt:d partn.:rships, whkh art:
indt:ntilkd as I\kndik, ('linAm, IInipl'llp and llnipl'llp II, With rt:spt:~t tll Ihest: limitt:d partnt:rships, the
partit:s aglw Ihat it is their lirsl prder~n~t: III divide Iht: limit.:d partnerships Sll thateaeh party reeeiws
a tiny (~O%) valu.: Ill' the tlllal valut: Ill' alllilul' (4) partn.:rships ami any distrihutillns lln sueh partn.:rships,
In th.: ewnlthat Ihis prderelwe is impllssihle tll pt:rlill'lll and a~wmplish, Ihe parlies agre': that all future
distrihutillns shall he divid.:d IIn an t:llual hasis and \\h~n and ifth.: individual limited partn.:rships are sllld,
Ihe pro~eeds from the sale Ill' su~h partnerships shall h.: divided IIn lUl equal hasis, The parties furth.:r
agr':e Ihat 1\11', I.alklla has llgre.:d tll prlllid.: a kller III Kll) I,herein h.: Iwilks thut the distrihutillns from
su~h limiled partnerships have ~lInlinu~d tll h.: pla~.:d intll this profit sharing plan lUld that nllnt: of the
prll~wds hale heen pla~ed in a prolit sharing plan that was ~r.:al.:d hy l\Iike post'separation,
b. UI{() ('red!!, 'I h.: parti.:s a~kIHl\\l.:dgt: that Mik.: is entitkd tll a credit through the
Illlm.:stk Rdations ()fIi~e Ill' ('umht:r!and ('lIunty, Penl1sylvania in tht: amllunt of Eight.:en Thousand Four
I (undr.:d Thirty ($1 N,-l,\O,OO) I>lIl1ars as a result Ill' owrpayment IIn his support ohligalions to Kay .md the
~hildren, In order tllextinguish the eredit. th.: partks agr.:.: thatth.: halan~.: Kay re~eiws from her tifty-Iive
(5~"';>l per~ent Ill' th.: profit sharing a~~IIUI1l shall h.: redu~ed hy the sum of Filken Thousand Eight
lIundred Nin':l~ -thre.: ($15.N9100) f)lIl1ars and Mik.:'s lilrt) -fiw (45",;>) per~ent halan~c will be increased
hy Ihis sum, Any mllnies r.likc IlI'CS Kay IiII' mcdkal .:xpcns.: reimhurs.:mcnt. alkr submission to and
pa~mcnl hy Ihc insuran~c ~lImpany. in~lIrred Ihrough Ih.: dalc Ill' clt:~utilln of this ^grc.:mcnt shall be
dedu~lcd from tht: ~r~dit if the dll~UmCl1lalilln is prcs.:nt.:d at thc date of cxc~utilln, If it is nlltthan Mike
shall rcimhurse Km ti,l' sud1 unrcimhurs.:d m.:dkals dirc~tlv tll hcr. Kav will reimhursc Mike for such
. '.
unreimhurs.:d llIt:dkals dirc~ll~ also,
c.
as nlltcd hdllll,
IJ{,\ .~, Th.: parlies a~knll\l kdge Ihal thcy .:adl halc an indilidual rctin:ment account
d. tMA 1I{,.\l!' K....L, N...me. Thc IRA managcd h~ FI\IA. \\hi~h is in Kay's name
alon~. shall h':~ollle h.:r slllc and separal.: prllp.:rt~,
e. "'1,\ IJ{,\ in Mike'~ Nm!l."" This a~"'llnt has holdings through I:iddity Investment,
a~~\lunt n\l, 171},4HIll)(,5, Ihis a~wurll shall h,:wl11O: r.lik~'s s\llc and t:,xdusiw prup~rty,
-'
111' III 'Ik II 1"pll1 It I\l IIlu~k 1tI~,1 1111 ~
r, Non-Mllrlt,,1 '\nounL~_(:r!!JJ~d .'o.!!t-~llllrlllion, Both parties acknllwledge they
ha\.' opened aCClllmls alld I RAs since Ihe date or ,cpar:lllllll, such accoullts ,hall h.'come the Sllle alld
exclusi\e property or the party \\ho "p,'lIed such aCCllunt. I'he panks specifically acknowledge Ihal Mike
op.'ned an rMA profit sharing aCCllunl no, Wh,,2l1I1lJ24. \\hich cOlllains post,separati'"1 conlrihutions,
\\hich shall hecome his scparate aCCllunt. Mike ,hall \criry \\ithinlhiny (.10) days hereorthal this account
\\as opened post-separation wilh pllsl'separation asscts, I I' tIllS is Iwt accurate, any pre'scparalilln runds
shall h,' divided tiny-live 155",,) pcrcenllo Kay and rorty,live 145",,) pcrcellllo Mike, All others accounls"")
n"t spc,'ifically idcntified arc considcred nlllHnarilal pr"pcny and hclllng to 111l' O\\n.:r or such account.S
1:. F!\I,\ .JlIlhidnlll '\~~oUllt in ,Ion (;Iuck's Nal1\~. '\ccllunt Nil. W63"244~(IH, Th.!'
panics aC"llll\\ledge thaI this is propcny helllnging III Jon and is nllll-marital.
'), WAIVEI{ OF PENSION I\NU OTIIEI{ EI\II'I.0YEE BENEFITS, The parlies hereby
\\aive any alld all right tll claim any intercst "r share in each olher's pCllsion. protil-slmring plans and olher
employec hcndits. ir any, rrom their present or past employcrs, I'hc panics acknowledge thaI Kay is a
medical doclor \\ith a clll'rcnt licen'c. althllugh she .Illes 1101 have a prcsem emptllye!'. Mike is a medical
dllclm \\ilh the group "11I1\\n as Inlcrnists or ('enlral Pennsylvania, /loth ac"nllwledge that Ihey have
recei \ed inllll'lllalion regarding Ih,' e.\istenee Ill' n"n-c.\istence Ill' such cmployment hencfits (including but
n"llimited to profit sharing, I-:Sl>l' plans, rClirelnenl Cllntrihutillns and plans and 401" plans.lifc insuranec
Plllicies and such other hendils) and arc sati,lied \\ith the inf.,rmatillll Sll provided, Olher Ihan as sel forth
in Ihis Agreement. hoth panics agree I" sigll any and all documents IIccessary tll cause the transfer llf his
or her inlerest in any pensilln/cmplllY ment hcndit. uplln requ",;t hy Ihc llthcr splluse, rurther, both parties
ac"nowledge thaI they ulldcrsland they must notiry their employer amll"r approprialc plan administrator
of thc renlllval and/or c11allge or :II1Y suell h,'ndiclary designatilln consistent with the conclusion of their
marilal claims,
10, '\lITOI\IOIJlLE ,\CeIUENT. The partics ac"no\\lcdge Mike was involved in an
auto mil bile accident prior to Ih.' separati"n and recei\cd approximalely Ten Thousand ($1 O,()OO,OO) Dollars
in ,"lllemcnt or this accidcnt. Thesc runds shall he his sole and scparate properly and Kay waives any
interest she nlaY have therein,
II. qn: .~SIIIt,\N('L hcept as provided in this Aglwmcnt. the parties herchy waive any
and all rights tll claim allY intcrest or share in cach lllher's life insurance plans, if any, lhe parties
acknll\\ledge that the life insurancc p"licy "n I\li"c's life \vith Phocni,'<, Ilome Life Mutual Insurance
I.'llmpan). hearing account no, ~.14X1.jO, \\ilh a racc value of Fiv,' !Iundred Thousand ($500.000,00)
Dllllars, had a cash value orNincl)'-ninl'Thousand 1'\\0 Ilundred T\\cnt)' Dollars Thirty-nine ($lJl),220,39)
('ents as or l\1a) 2X. IlJ')X, I hcrcli'rc, thl' parties agrce that thc)' "h:1I1 each he entitled to Iifty (50%)
pcrcent "f the nct cash vallie or such p"lic), as ilsllch p"lic)' \\herc cashed in. \vhich is cstinmled to be
appr",xilllatcl) Light) 'sc\enl hOllsand hlur Ilundred I$X7.400,OIl) I lullars, Within t\\O (2) days of the dale
01 div "i"n or thc olde I>i,c"unt accollnt. Mi"e shalll,'nlkr a check to Kay equal to Fifty (50'%) percent
"rthc net value. Ihis tOlal nct cash \:due shall he uscd "'I' the henclit 01 the parlies two (2) children.
1>,1\ id and Jessica as I11me spcci ticall),et ">rlh hclu\\ undcr /'iII'agraph 22,a, rel,!ardinl,! college henelits of
thc ,'hildren, Further. th.' pill'lie:; herehy agrce that the)' relin'luish any right. title and intcrcst they may have
in each uther's poliCies as a rcsult "I their marital stallls,
II
II". III '1M II 1"PIIl ItM Vhll~ 11l~1I II'"
II, lI~n~l1dllrv. I'he putties agrce that Mikc shall he huund tll dcsignate a tutal
hcnclkiut~ designatiun uf Fi\e Ilundred Thuusand I $500.00(),O()) I )ullars tu e",cr his uhligatiun tu the
ehildrcn and tu Ka~ plll'suant tu thc terms uf this Agrecment Illr purpm:cs uf child suppurt, alillluny
pcndcntc lite and alimuny, At nil time shall his uhligatiun tu pro\id\' the henclkiary designatiun un the
I'hncnix lIullle l.ife Mutual Insurance C", pulicy excccd rive lIundred Thuusand ($5()O,OOO,OO) Dullars,
Alicr Mikc's uhligatiun hI Kay eeascs pursuant tu thc terms uf thb ^grccment. he agrccs that hc shall
spccitically desiglliltc lhe ehildrcn as irrc\Ocahle hencticiaries un this pnlicy Illr the sum uf Five Ilundrcd
Thuusand ($500,000,00) I )ullars, lie shall pruvidc pronf uf such hencliciar~ dcsignatiun tn Kay, Mikc
agrccs thai he shallnnl cneumher or decrease the I<lee \alue uf tire pulicy hcluw I'ive Ilundred Thnusand
($500,000,00) Dnllars, r-.like ma) suhstitute .lIwther pnlicy illr I'hnenix lIume l.ili: Mutual providing he
gi\es IlIllice tu Ka~ and cumplies with the lither tenns Ill' this paragraph, In addiliun tu dcsignating the
children and Ka~ as henclkiaries un,kr lh\' Phuenlx IInme l.iti: Mutual Insurancc Cu.. Mike agrees that
he shall dcsigllate his children as incHlcahk hencliciaries IIn Iris protit sharing plan with FM^ in an
anlllunlufatle.lStTlIlIllundred Fin~ Tllllusand ($250.000,O()) DlIllars, lie shall provide a cupy ufsuch
henclkiar~ designatilln tll Ka~ uplln requcst.
12. IJ(ISINESS INTElU:STS. The parties agree that Mike shall retain as his separate property,
an) and all imerest in his medical practice, lllgether \\ilh and any and all partnerships, corporations,
husincss intcrests and any t~ pc Ill' hLlsincss nr in\estmcnt cntity inclLlding Internists nfCentrull'ennsylvania,
l.nwther Street Assllcialcs. lIarrisview Rcally Assuciatcs and IlOTS Cardiac Mnnitur ^ssnciates , Kay
herehy speeilicall~ \\ai\es 11<'W and fnr alltil11e. an) right. tille, claim or inlcrest whatsuever she may have
in Mike's mcdical pmctice. partnerships. limiled partncrships. curpuratiun. husiness int.:rests or any type
uf husiness ur inVCslmelll entity in \\hich Mike has an interest. Other than as set forth within this
agrecment. Mike specilkall) warrants that Kay has nnt exccuted any dncuments cuncerning any of the
husinesses in \\hich he has an interest that \\ULlld make her liahle L1pun any such deht. Mike agrees to
indemniry Kay and hnld her harmless Illr laxes. judgments, liahilities. lawsuits. pending ur ntherwise,
medicare/insurance/third party aLldits and expenditures assnciated wilh an) nr the husincsses,
'I. I)~nn 21. Penn 21 was snld in llw last severalnlllllths, The parties agree that Mike
shall retain this asset.
D. I{EAI. .:STATE. The partics "'\n as tenants h) the entireties an improved propcrty knuwn
as X I Old Slulle IIl1use Rnad. Carlisle. Pennsyl\allia which has anappraiscd valLlc nr approximately Two
lIL1ndred Furty-livc Thllusand ($245.00(),()(l) DlIllars In T\\u lIL1ndred !-ifty ThllllSand ($250,000,00)
Dullars, The propert) is nut sLlhjeet hI a murtgage, Mike agrees tu exec LIte whatever dncuments arc
lK'ccssar) tu assign. COIl\C~ and lranskr his intcrest inlhe real estate tu Kay, Kay shall he rcspnnsihle Ii.lr
preparing thc ducumcnts tll erti:ctLlate sLlch lransfer,
In addition. Ihc parties acknm\ ledge thaI under the Paragraph 12 entitled" Busincss Intcrcsts" lIbuve,
i\likc has real estat\' interesls in a lIulllher "I' the husincss intcrests identilicd. including 1I11rris\iew Rcalty
,'\"ociates and '-",\thcr Street ""ocialcs, all or \lhich shall hec"llle his SI,Ie and scramte property,
.... ~'I{EI>IT ('AI{PS. I'ach pan~ hereh~ agrees 10 return an) .I1KI all \'redil c.lrds "I' charge
plates IIhich he she ma~ hale in his, her pllsscsSl"nl" thc part) \lh" is the ""ner "rlhe aCCl'unt and lIgrees
thlll an~ dehls incurrcd "11 an~ credit cards or charge platcs n"t returned to the "ther party shall he the sole
,
,
()h II) 'IK II \'/11111 IlM ~hlL~ 11I'.1 11/1'
.111.1 ,~~dusi\~ r~sponsihilit) or th~ parly who chargcd tl1l: dchl. Lach agrees tll save the other harlllless
rromany ohligatillns llI" institutillns or suit clllllmenced due 10 any charges made on the lither party's card
after the date of sepantl.ion, Any dehts incurred llll the credit cards IIr charge plates after the date of
separation of this Agreement shall he the sllle and ewlusi\e responsihilil) IIf the charging parly. whll shall
save hmlllless the other splluse frolll an) ohliJ,wtion or instilutilln of suit, e~eept as provided Il.r in
Paragraph I X,
I~, f:OlIITAtn.t: IlISTIUlUlTION - (it:Nt:RAL (,ONSI\)t:ltATIONS. lhe parties haw
attempted tll distrihute their marital property in a manner \\hich cllnlllfllls tllthe criteria set Illrth in 1:1 I'a,
('XA. * ,150::!(a) of the Pennsylvania I livllrce ('lIde, and taking intll aCC'lllllt the lllllllwing considerations:
the length of the marriage: the 1:lct that il is the lirslmarriage Illr !\Iike and the lirst marriage !llr Kay: Ihe
age, health, station. amllunt ami sllurces Ill' incllme: contrihulion IIf each party III the education, lraining
II' increased earning pll\\l~r IIf the other party: the opplll"llll1ity Ill' each party for future acquisitions of
capital .Issets and income: the sources of income IIf hoth parti"s. including hut not limited tll medical.
retirement, insurance or other henelils: the cllntrihution or dissipalion IIf each pmty, including the
contrihution of each spouse as a homemaker: the valne of the properly set aparltll each party: the standard
ni" living of Ihe parties estahlished during the marriage: and the eCllllllmic circumstances of each party at
the lime the division of properly is to hecllllle eflective,
16, F:OlIITAIU.t: \)\STIUBlITION . TAX ('ONst:Ollt:NO: m' TRANSFF.LQf
I'ROI't:RTY. The divisilln of e~isting marital pnlperl) is nllt intended hy the parties tll constitute in any
\\ay a sale or exchange Ill' assets, and the divisilln is hcing dlCeted \\ ithllut the introduction of outside
funds or other properly IHlt constituting marital propcrty, The divisilln of property under this Agreement
shall be in full s;ltisfactilln of all marital rights of the parties, The parties acknowledge that this Agreement
has heen negotiated hased upon the assumption thaI the property lranslCrs descrihed herein come within
the provisions IIf * 1041 IIfthe Internal Rcvenue ("lIde and as such will not result in the recognition of any
gain or loss uplln the translCr hy the translerm, To the e~tent that the translCr IIf any property pursuant 10
this Agreement results in a ta~ahle event necessilating the payment IIf la~ tll Ihe Internal Revenue Service,
the party in pllss~ssion Ill' the asset that cre.lles the ta~ shall he respOllsihle Illr payment of any such
IIhligatilln and spedlically agrees tll indemnify and hold the lither party harmless lilr payment of such
IIhligatilln,
17. ,H'Tt:R-A('OIIIRt:U l'I{()\'t:ltTY. Lach Ill' Ihe parties shall hereafter o\\n and enjoy,
indepe..,dently IIf any daim or right "I' the lither. all items of property. he they real. personal or mixed,
tangihle m intangihle, \\ hich arc hereafter acquired h) him 0\' her with full power in him or her to dispose
of the same .IS full) and cflCctivd), in all respects and lilr all purposes. as though he or she were
ullmarried.
Ill. J~ARTn:S', 1)f:BT~ The parties herehy agree to assume sole and e~dusive responsihility
Il.r the dehts as pro\ ided hdo\\, rhe respllnsihle parly agrees to indemnify and save harmless the other
splluse froll1 any alld all ebill1s IIr demands made against the other spouse hy reason of the dehts of the
resp"nsihle part):
x
1)IlIH'11l 11-171'11I ttM ~lu~kl1l~illJll~
('RWITOI{
I\SSlIMW IIV Mik~/KII)'
AI'I'ROXIMA n:
BAI.ANCE
('itihan~ Advantag~, no, ~ 11K
00,11 5~9,1 O,l~~
Mik~
$,10K,51 (as or 1/'J1'I5)
('ilihank Advllntag~, n", ~ 11K
0011 1)(,::!7 50~7
Mik~
$5"lKO,11 (as or
.1110195 )
('I'~dil ('al'd "l:l:olllll
No, 5,151 (14'/0 .1~O,1 ~~lIh
Mik~
$1,07,109 (as or
1/17/'J5)
III, AI.IMONV/ALlMONV l'ENm:Nn: I,In:.SI'OlISAI, Slll'I'qJH. ('OlINSn n:ES. COSTS
ANI) EXI'.:NSES
1'), ALlMON\', 'I h~ pmti~s agl'l:~ thallhl: paYI11~nts rrom Mik~ 10 Kay as h~rdnaner setl'lrth
within Ihis Agreeml:nt arc int~nded 10 qualil) as alimony as ddinl:d hy th~ Int~rl1<I1 Revenue ('ode and shall
he d~dlll:tihl~ hy Mik~ and indudahle in lh~ inl:llllll: or Kay,
II. T~rm, Mike shall pay to Kay 1,,1' h~r sepantt~ support and maint~nanl:l:, the t"IIll\ving
SlllllS in accordanl:~ with Ihe 1'0 II ll\\ ing terlllS:
(I) Cornm~neing July I. 19911and ~al:h month ther~an~r through and including
the monlh or Sepll:mh~1' 11100, the sum or lhree Thollsand Five lI11ndrl:d ($.l.50(J.()O) Dollars p~r month,
(2) ('onlln~ndng the month or Oetoher 1000 through and including thl: month
or S~ptl:l11her 101l1. Ihe sum or Two Thous.md Five lIundr~d ($1,5110,1I0) Dollars,
(3) Mike shalll:lmlinlle to pay the runds directly through the I>omestk Rclutions
Sccti"n or the ('umherland ('ounty Courthouse, into lh~ account which is already in existence and heing
utilized 1'01' payment or Mike's alimony pendente lile obligation to Kay,
(4) I'he parties ackl1ll\\ ledge Ih.1l Mike is paying alimony pendent lite at the rate
or Thrl:e Thousand Five lIundr~d ($,1.5110,lIl1) I>ollars per monlh through the Domestk Relations Section
or ('umherland ('ounty, It is the parlies' intent that Kay shall r,:ccive the total of Three Thousnnd Five
Hundred ($.l,500,1I0) I>ollars per lTIonth .md that Mike's ohligalion till' p.IYI11~nt "I' alimony pendente lite
shall ccas~, with his last paym~nt due ti'r the 1110nth "I' June 19lJll,
b. I~rminl\tion of Alimon\'. Not\\ilhstal1lling any other provisions set limh in this
I\gl'ccmenl. rhe alimony payments provided shall tl:rlninate upon the lirst 10 occur or:
(I) Kay's remarriage, hut shall spedlically nor terminate upon I:!lhabitation;
(2) Mike's death:
l.\) Kay' s death,
I)
1l1!,11),'IK t I l'IPIll 1(.\1 jllud. 111~1I 1I11~
In the case or alinlllll) payments terminating upon Mik.:'s death, the Pllrties spedlieally
ackllll\\ledge that Mike has named Kay as a henelkiary on a lire insurance policy suffident to pay Ihe
oUlstanding alinlllllY l/hligatioll that he \Iould Olle at the time or his death,
e, Wllinr~llt' l(iJ:.!lL.!!L~19.!1jl1clI!JUlh The alimony provisions hereor have heen
negotiated to take into ''''Cllllnt till' parues' llIerall eClllllllllic drcumstances. ineludillg the elluitahle
dislrihution or prllpeny prll\ ided IiII' herein. and were agreed 10 hy hoth parties with Ihe spedlic
understanding that neither the amllunt nor the dUnlti'ln shall he suhjeet III mlldilicatioll tilr 'lilY reaslln
Ilhatslll'WI'. This understanding lIas all indueemcllt and eonditilln precedent to the execution or the o\'Crall
Agrecmcnt. I he panics agree Ihat neither Ilill scek a modilkat;on hereor in any CllUrt III' law in this
jurisdictilln or any other lurisdictillll or any olhlT clluntry \Ihereler they IlIay live, The parties spedlieally
aeknllllictlge Ihat in thc l'll'nt or all) allempted mlldiliealion, Ihe provisillns as set li.rth in the paragruph
helllw cntitled "Paymcnt through /)lImcstic Relalillns orncc" relating tll indemnilicatioll and monetary
remullcration. shall hWlIlnc efli.'cliw,
II. 1'llHllcllt thruul1h 1l11lllc~ljc l(dll!..Wn~ Ol'l1cc. The parlies agrce that alimony will
he pa) ahle through the Domcstic Relatiolls Seelillll "I' the ('ourl or ('ommon Pleas of ('umhcrlanll ('ounty,
Pcnnsylvania, II ll\1e vcr. the partics spcdlil:ally acknll\llcdgc that paymcnt through this omel is not
intcndcd nilI' docs it wllrcr upon Ihe ('oun all) authority 10 mlllliry till: terms III' thc alimony as set forth
in this Agrcement. Rathcr. payment throuj,!h the /)omestic Relations Ornce is hcillg malic till' the
convcnicnce or the panics alld li.r cnli,reemcnt purposes 1I1l1y, Such payment shall not be construed to
intcrrcrc with thc contractual relationship that the parties arc estahlishinj,! pursuant to this Agreement. In
thc Cll'nt cithcr party allcmpts to c1HIIlj,!C thc amllunt or thc alimony pursuant 10 this agreement because
it is payahlc thmugh thc Domestic Relations Scction or thc ('lIurt. that party specil1cally agrees to
indcmlliry and hold thc othcr person harmlcss li.r any decrease or increase so ohlained, They specifically
aekllllllledj,!e that inthc clclltthatthcy Ilould ohtaill such modilkation, the difli:rcnec hetween the amount
III' alinlllll) to hc paid pursuallt h. this aj,!rccmcllt alld any modilkation madc shall hc payable from the
pcrsollal assets or thc panics, In addition. the pmties agree that Ihc part} sceking such modification shall
pay any alld all allorncy s li:cs. costs III' cllllscquclltial danlaj,!Cs sustained hy lhe non-moving party,
c. l.,jfc IIISllr'lIIcc, Mike agrws 10 m,lintain Kay as hcncliciary on a lite insurance,
Plllicy in all amount 1<1 clllcr his outstanding deercasillj,! alimony ohligation as sct forth herein. Mike shIIIl,
pmvidc a CUpl of thc "'CC page or the policy, tllgether \\ith thc henelkiary page to relleet Mike's
wmpliance Ilith thc tcrms or this prll\ isillll, rnrthcr, as IOllg as Mike is ohlig'lllxlto pay Kay in accordance
with thc terms or this aj,!rccmcnt. he aj,!rccs tll:
f II I'ml11ptly P"-i all prCllll11I11S lln the plllky:
!\g,reell1l:lll: and
f 21 I\laintain Kay as hCIle/ieial': llll thl' plllk) to Clller his ohligation under the
(1) Not creatc allY liell or horl'llw against thc cash value of the policy, to the
extcnt, that it would impair paymcnt tll Kay in accordancc Ilith thc tcrms of this Agrcement.
10
!lfl III 'IK II "'pm KM ~hl\~ III~II 110l~
211. Mt;nJ(,AI, INSIII{ANC'1o; .'Ol{ KAY, The partics Ilere divorced llI1 Decemher 30, 11)1)7,
Pursuant 10 an Order or thc Jlonorahle Wesley Oler, Jr, dated l>Ccemher 16. 1997, u medicul support Order
\Ias elllered, Pursuant to this I lrder, Mi~e is hI pmvide medical insurance 10 Kay untillhe curlier or udale
on Ilhidt u suhse'luent modilication Order may he entered or Kay no longer salislies the dclinition or
e1igihle dependent under the plan or until the time when ('Olll{^ eoveruge would otherwise terminate
tl.llowing Ihe entry or a divorce ,lecree, whichever lirst occurs, On Janumy 7, 199M, a determination was
signed hy the I )irector or I 'apital Illne ('ross ami on January 15. 199M, a determinalion lIas signed hy a
rcpreselllative till' Pennsy Ivania IIluc Shield indicating thai hoth or these entities will comply with the terms
and l'ondilions or the Ordcr as a l)ualilied I\kdical Support Order,
I hercli,re, the parties herehy allinn Ihe lerms or the (lrdcr as signed hy Judge (lieI' on I >Ceemher
11,,1'/97, I'he partics agrce, hOllel'Cl'.lhatMi~e's ohligalion III pl'llvide medical insurance to Kay, whether
hy Ilay or ('OIlRA or hy \Iay or thc cxisting l)ualilicd Medical Support Order. shall terminate ahsolutely
\lIl l>Ccemher .,1), ~(1)0. which is three 13) years lillhllling the date or the divorce decree,
21. ('Oll NSEI. FEES, The partics herehy ac~nowledge th.llthey arc represented hy counsel of
their OI\n choicl' and thaI each is responsihle to pay their OlIn allorney iiII' all allorney's lees amllcgal
cxpenses in conjunction Ilith the ncgotiation and prcparation or this ^grccmcnt, as wcll us othcr mattcrs
rclating 10 thc partics' marital claims undcr thc Divorcc ('odc or 19MI),
IV, C'II11.U1U:N
22, ('11I1.1) SIII'I'OI{T. Mikc agrccs to continuc 10 pay Kay thc sum or Onc Thousand
($1.000,1)(1) Dollars pCI' month till' Ihc child support or Jessica, This paymcnt shall continuc in this amount
thl'llugh and including Scplcmhcr. ~ooo and shall continuc to he payahle through the Domcstic Relations
Section or thc ('ourt. hen in thc Clent that thc custodial arrungcmcnt c1mngcs so that Jcssica no longer
lilcs Ililh Kay. Mikc Ilill cOlllinue to pay thc sum orOnc Thousand ($1.001),00) Dollars pCI' month, but
Kay ~,hall continuc to pay thc samc c,xpcnscs Ii'r Jessica as shc paid Ilhcn Jcssica rcsidcd with her,
1I00IClcr, undcr any and allothcr circumstances. Ihc partics spccilically agrcc that this agrccmcnt SP.ts forth
Mikc's cntirc liahility to Kay on account or his child support ohligation, To thc cxtcnt that cither party
\\lHlld scck a modilication or thc child support ohligalion through thc Domcslic Relalions Scction of the
('<IlUI, and rcccivcs such modilication in an amount differcnt than this sum, thcn that pllrty agrees !hat
hc/shc Ilill indemnily thc olher pcrsonally till' Ihe differcnec hctwccn Onc Thousand ($1.000,00) Dollars
p"'r molllh and any incrcasc lII' deercasc, dircctly rrom his/hcr pcrsonal asscts,
I'he partics agrcc that cithcr may prcscnt this paragraph togcther Ilith thc Iirst and last pagcs of this
Agrecmcnt h' Donwslic Rclatlons "iection or thc Court ti,r purpo'cs or delining thcir monetary
rcsponsihility tllr child support.
Kay rCl:eivcs thc lax dcduetions li'r thc childrcn as lonE as Ihcy arc in hcr custody,
II. (,OI.l.ECiK Thc parlics ac~nOllkdgc Ihat thcir oldcsI son. .Ion, graduatcs rrom college
shortly and neithcr shall addrcss any monctary rcsponsihility till' .Ion within this Agrccmcnt. With regard
to thc tllO 1 ~) other children. Dal id and Jessica. thc panics specilkally acknO\I ledgc the tilllowing:
II
1)11,111,'111 II WillI! ItM I!lu~~ m~lI Il<l~
(1) I'hucnix JlUIIIC !\IUIUl!UAJc h.!!!!lrnncc. As lI"tcd ab"vc, Mikc shalltcndcr a chcck
t" Kay I'm hcr I'i liy ISO",,) pcrccnt inlcresl in I hc nct ellsh valuc "I' thc p"licy within tl\''' 12) days "I' thc
trallsfer "I' th,: runds in thc Olde lliSC'lllllil aCC"UIII. Kay agrccs that shc shall equally dividc the sum that
she reccives intll tw" 12) acc"unts, line Illr Ilavid and "lie fill' Jcssica, Thesc accounts arc specilically
ddineall:d li,r thc children's collegc cspenscs, Mikc alsll agrees that he shall dll the samc,
(2) ~llccilicity' ufl'lIv'lIIcnl. I I <1\\ C\W, the parlics agrcc thatthcy shallmllllmlly schcdulc
anappllintmcnt with Wife's accountant to dctcrminc thc mostlllhanwgclllls mcans or funding the c"lIcge
cxp":nditurcs, They shall both pay tiny 1511" 0) pcrccnt or thc acclluntalll's CllSt fi)r assisting thcm in making
this dctcrminatilln and thcy shall thercafter IlllI<l\\ thc dcdsillns made at the mccting with thc account,mt
rill' purpllSCS Ill' runding and handling thc collegc .,,'counts, In the cvent thc accountant suggests a
mcdwnism I'm runding thc cllllegc ellnlribllti"ns to thc children in a 1:lshilln that is differcntthan sct li,rth
abll\c. which is agrccable tll b"th partics, Ihcnthey shall not bc bllund to cstablishing thc tWll (2) scparatc
aeClllmtS as notcd in Paragraph 22,a,( I ) abllVC,
(3) Custudial Accuunts, Thc parlics ackn<l\\ ledge that bllth David and Jcssica prcscntly
have custlldialaccounts, Mikc shall bc namcd llll th.' cllstodialacwunt fill' David and Kay shall he namcd
lln thc custlldialaccllunt fi'r Jessica,
(ot) I)avid and ,'CSSicll SUlllmcr Emlllu)'mcnl, Thc partics agrec that any funds that
David III' Jessica earn whilc gainfully cmplllycd during thc summcr. which funds arc uscd by him or her
limaI'd undcrgraduatc l'OlIcgc cxpcnscs. Ilill bc matchcd by thcm, d"lIar-lilHlollar. up to a total ohligation
Ill' Thrcc Thousand I$.\.()()O,()()) nllllars pCI' child from cach parcnt pCI' summcr.
(5) Extcnt (If l.ill bllill , Thc undcrstandings sct fi,rth within this Agreement are the
cxtcnt of thc legal obligation that cithcr parcnt has to cllntributc hillaI'd an)' of the children's collelle
cducatilln, Inthc .'vcntthcy clectto cllntnbutc funds bcyond thc sums setli'rth within this paragraph, such
wntributillnmay n"t hc infcrrcd to make eithcr "I' thcm liahlc Ii,I' any additionalmllnctary obligation from
a Icgal pcrspcctivc,
((,) IIcalth Insurllucc,Thc partics acknowledgc that Mikc is prcscntly providing health
insurancc through his cmploycr fill' thc cOlcragc of thc parlics' childrcn, Mike shall continue to do so as
Illng as hc is cmploycd by an cmplllycr Imm \\h"lI1 insurancc is available and is ahle to provide coveralle,
in acc"rdancc with thc tcrms "I' thc mcdieal carricr. fill' thc childrcn,
(7) E.~flcu,ws nut ('uvercd hLJmUr!IIIS.~ Mikc and Kay shall bc cqually responsible
li,r any non-clllcrcd dcntal c,spcnscs Ill' thcrapy cxpcnscs Ii,I' David and Jcssica as Illng as they arc minors,
Mikc :,Igr.'c,; hc will b.' rc,spllnsible iiII' nin.'ty (1)1)",,) pcrccnt and Kay II ill bc rcsponsihle fiJr ten (10%)
pcrccnt Ill' thc unl'cilllbul'scd lIledi.'al c'J1~nscs 1lII' thc childrcn. as such cxpcnscs arc delincd under the
Support (iuidclincs, This liability shall eca,\c up"n thc childrcn rcaching agc t\\CIll}-Ii'lIr (24) or graduation
frlllll collcgc. I\hichclcr lirsl on:urs lInkss thc parlics agrcc othcmisc,
(H) !.irc In,'!!.r;,"~~, ~Iikc ackn,,\\ Iedgcs that thc SUIll llf insurancc hc shall continue to
carr} on his life upon Ilhich Ka} is lisled as thc bcncliciary shall bc an alllount sufticicnt to cover his
ohligatilln llr child support pursuant tll thc tel'IIlS of this paragr.lph, Thc pn>\isions of thc life insurance
12
or. Itl 'H~ 11 1"11111 leM 1'11I~k 111'" 1)1''1
paragraph set li,rth umkr Alimony ahow, arc herein incorponlted hy rd'.:rence herein, as if scl li,rth at
!.:ngth,
2,'" CIIII.U1U:N AS TlIIIW l'AlrrY IIENHI<'I/\IUES. II is spedlk..lly understood llnd
agrccd hy and hetllwnthe parties hereto. thai as 10 the provisions herein perlaining to the Pllrties' children.
the children shall he. arc intended hI he, and arc contelllplated to he. third party henelidaries with further
enli.rceah!.: righls in their own names and stl'ad,
\" W AI\'EI{S
2"', WAI\'IO]{ OF I'ENNS\'I.\'A~'!A Ul.V()I{O: ('OUE ImaITS. All property set apart
hereill either 111'" or in the future as the separale pr<lperty or either Mike or Kay and all property now
ollned hy or tit!.:d to Mike or Kay indilidllally or pl'llperty acquired hy Mike or Kay individually at any
time alkr Ihe exeeulion of this agreement shall remain the separate property of Mike or Kay alld shall
ullder Ill' circumstances he considered as. or deemed to he or cOllstrued to he "marilal property" as thai
term is used in the I'enllsyilania I lillllW ('ode and such pl"llperty shalle,\pressly 1101 he suhjectto equitahle
distrihution nor shall any appreciation in lalue or such prllperty he suhjectlll equitahle distrihution, This
Agreement shall he deemed tll he and ClInstrued to he a lalid agreement ti.r lhe purpose of waiving the
prolisions concerning equitahle dislrihution as thai term is used in the I'ennsyilania Dilorce Code or 1980,
as amended,
2:-;. WAIVEI{ O~' Slll'l'Oln, AI,I!\ION\' I'.:NUENTE LITE/ALIMONY. lIoth parties
acknowledge Ihat this agreement sets lill'lh their entire llhligatilln IiII' payment or spousal support, alimony
pendenle lite. temporary alimllny or permanent alimony III the other spouse as those terms arc delined in
support and dilorce legislalilln lhat 1ll1l1 exisls or may he created in the rlllUre, lInkss specifically
prlll ided. each spousc wailes their righllo hcrcinarter lile any action. "I' claim, 10 tile ti,l' moditication or
olhemise seck inc"me c"ntrihution rrolll the 1Ilher
26, IU:U:ASE OF IN'n:l{EST INS.:I'AI{An: ASSETS, 'I he parties hereto agree to waive
any and all right to claim any interest llr share in the separate assets rdained hy the other spouse,
27. WAIVEI{ OF CI.,\IMS A(jAINST ESTATES I~NU 1\1lITlIAI. IU:U:ASF';" Except as
olhel'llise hcrein prol ;ded, cad! party may dispose lIr his llr hcr property in any way and each party hereby
l"liles and rclinlluishcs any and all right he "r she may nll\1 hale or hen:after acquire. under the present
or ruture hillS or any jurisdicti"n, to share in Ihe properly llr lhe estate or the other as a result of the
marital rclationship including, wilhllutlimitalilln. dllwer. thirds, courtesy. alhl\\anee, widow's allowance,
hOlllestead righls, right to takc in intestacy. right III take against the will "I' the ..ther. and right to act as
adminislrator'eseeutllr "I' the "ther's eslale and each party lIill. al the re'iu.:st or the other, execute,
al'knllllledge allll dcliler any and all instruments Ilhieh lIlay he necessary or alllisah!.: to carry into effect
this mutual I\aiwr ami rclimluishmellt llr all such interests, rights and claims, The parties waive and
re!.:ase any and all rights l\.the I.ther's 'istate. including the righls of set-"IT. any and all distrihutive shares
and any and all rights "I' c1ectioll pr\ll ided 1'''1' h) the hillS "I' this or an) "ther sl:lte or jurisdiction,
I'
,
Oh,llI.'l~ II IIlpm ItM 11Imklll~1I 1J1I~
Ladl ur the parties herelu hy Ihese presents, lill' himselr \ll' herselr. his lll' her heirs, execulors,
adminislmtlll's, llr assigns. docs remise, release. 'Iuit daim and tilre\W discharge the other party heretu, his
ur her heirs, eXeeUIlll's, administralurs or assigns or any or them, or nny and all claims, demands. damages,
a"tiun, causes ur aelion, ur suits at h\l\, nr in equity, or any kind Ill' nature, rur ur hecause or uny IlHltter
ur thillg dune, umitted Ill' surrered 10 he dOlle hy said other PUrlY priur to ulld induding the date hereur:
Ihe parties spedlically \\aivc any and all rights that they may han: 10 equitahle distrihutinn ur marital
properly and/1Il' alimony ami counsel li:es ur any other marital righls as pl'llvided in the Pennsylvania
Divlll'ce Cude. Ill' any amendment.
II is spedlkllly ackml\\ledged thai the parlies have secured and maintained a suhslllntial and
ade'll"II,' rund \\ith \\hich 10 pruvide li'r themsel\es suflieiellllinandal resnurces 10 pl'llvide IiII' their own
comlilrl. mainlelHllh:e alld support, in the sial ion or lire 10 which they arc accustomed,
VI. ('ONTINlIINC; IU:SI'ONSIIIII.ITIES
2M, (,ONFII~M"TOln' UOClIMENTS, Mike and Kay CLlvcnant and agree that they will
lill'll1\\ilh (and \\ithin at Icasl lifteen (15) days after dcmand thercli,re), execute any and all written
inslrumellls. assignmenls, releases. satisl;lclions. deeds, titles, notes or such olher writings as may be
necessary ur desimhle lill' Ihe proper erli:cluation or this Agreemenl. The partics will rurther deliver to each
ulher \\hale\w persnnal papers. doeunlenls or \\I'ilings Ihal each now pnssesse" which arc the property or
Ihe nlher,
VII, Ulsn.OSIIIU:S
2'). HIl.I. I)lSn,OSIIIU: OF ASSETS, Lach nr the parties heretuueknowledges that he or
she is a\\are ur his lll' her righi, lu engage in discovery. induding hut nut limited lu written interrogatories.
mol inns till' produelinn or dncuments, the taking nr nral depositinns, the tiling ur inventories and
appmisements, incnme and expcnse statements. pretrial statements, ano all uther means of discovery
permitted under the Pellnsyll'ania Dimrce Code nr the I'ennsylvania Rules nr Civil Procedure and each of
Ihe parlics spedfically \\aivcs his Ill' her ri~,ht 10 engage in such diseuvcry or require the ulher parly to tile
addilional requisite dneumenls, I'ach pany has made independent inquiry intu the complete tinancilll
circumstances ur the other party ami is rully inlimBed or the income, assets. property und I1nancial
prospecls or the olher, Further, each parlY acknuwledges they understand and spedtically waive his or her
right tn hal'e the eslale and assets togcther \\ith earnings and income or the other assessed Ill' evaluated by
thc COUrl nr this Cummol1\\callh ur any olher Cnurl or cnmpelenl jurisdiction,
Ihe partics cnnlirm that Ihey havc relied IlIl thc completencss and sLlbslantial accuracy of the
tinandal disdnsure or Ihe nther as an inducement to th,' executinn or this Agreement. The parties
ackno\\blge that they havc liled an In\enlnry und Appraisement as required hy Sectiun -,505(b) of the
l'v'nnsy I\ania Divlll'ce l't,de, Num ithsl,mding the ti'regoing, the rights or either party to pursue a claim
IiII' equilahle distrihution. pursuant 10 the Penns}' lvania Di\lll'cc Cnde, or ,my int~rest owned by the other
party in an asset valued in excess or Fi\e Ilundred ($500,00) Dullars ur any nature at any time prior to the
datc or cxecution or Ihis Agreemcnt thai \"IS l10t disdosed to the other parly or his or her counsel prior
to the dale or the \\ilhin i\gre,'nll:nt is e\11I"essly reser\cd, In thc event thai eithcr party, at any time
hereafter, discovcrs sllch an undisclosed assel. the party shall have the right to pctitioll the ('ourt of
14
('11,111'111 II lllplll II.M I!lu~~ lII~ij IIII~
COl1ll1lon I'leas of CUl1lherlaud Cuunty 10 l1Iake e'luilahle distrihutiun of said ussc!.
lhc nun-disclosing p.lfly shull hc rcspunsihle li)r puymcnt uf rcusonuhlc counsel fces. eosls ur
cxpcnscs incurrcd hy the uthcr purty in sccking C'luiluhle dislrihution of suid ussc!.
Notwithstanding the li)rcguing. thc Agrcemcnt shull in all othcr rcspccts rcmuin in full forcc und
cllcc!.
VIII, n.osIN(;S
.'0, REPIU:SENTATION It\' (,OIINSH.. lhc prll\ isiuns of this Agrccment und thcir Icgal
affect hmc hccn fully cxpluincd tu thc parlics hy their rcspcctive counscl. Kuy hus cmploycd und had thc
hcnclit of counsel of r-.lariu p, Cognclti, !'s'luirc. us hcr altorncy, Mikc has cmploycd und had the hcnctil
of cUl.l1Iscl of Karcn I.. Semmelman. I,:s'iuirc, !'s'iuirc as his altorncy, I':ach PUrly acknmvlcdgcs that hc
or shc has rcceivcd indcpendcnt legal advicc lrom counsel of his or hcr selcclion and/or has hccn adviscd
of his or hcr righl to indepcndent legal counsel: Ihal cach fully undcrstands the l[lcts und has hecn fully
inlill'll1cd as to his or hcr legal rights and ohligatiuns: that cach party acknowledgcs and acccpts thai this
Agrccmcnt is, undcr the eircumstunccs, l[lir and c'luitahle. und that it is hcing cntcred into frcely and
voluntmily aftel' having received such .Idvicc and with such knowlcdgc: thut execution of this Agrecment
is not thc rcsultof any duress or unduc inllucnce und that it is not thc rcsult of any collusion or improper
or illcgal agrccl1lcntor agreel1lcnts, In addition. each p.lI'l)' hcn:lo acknowlcdges that he or she has been
fully ..dviscd hy his or her respcctive altornc)' of thc impact of the Divorce ('ude of 1980, Further, the
partics acknmvlcdgc that the court lws thc right und dut)' to dctcrminc all murital rights of the parties
including divorcc, alimon)', ulimon)' pcndcnte lite. e'iuit.lhle distrihutionofproperty. counsel fees and costs
of litigation. und fully knuwing the sume and heing fully adviscd of his or her rights thcreunder, each party
hcMo still dcsires to cxecute this Agrccl1lcnt. acklumledging that thc terms and conditions ~t forth herein
arc fair, just and c'iuitahle to cach of thc partics und herchy waives their rcspective rights to have the Court
01 Common Pleas of Cumherland ('ounty or an)' othcr Cllurt of compctcnt jurisdiction to make any
dctcrmination or ordcr affecting the rcspcctive pmties' rights, Lleh Ill' thc parties hcreto further covenant
and 'Igrcc till' thcmselvcs und thcir heirs, exccutors. adl1linistrators and assigns that the)', he or she. will
ncvcr ut any time hcrcalier. sue the othcr part)' or his or her hcirs, cxeeutors, administrators or assigns. in
any action, dircct or indirect. that therc \Vas an)' ahscncc or 1.lek of full disclllsurc. fraud. duress. undue
inllllcncc Ill' that thcrc vvas uny ahscncc Ill' lack of full, propcr and indepcndcnt rcprcsentation.
.11. NO MER(a:R IN IHVOI{('E. Whcn cithcr of thc purtics shull rccovcr u tinal judglllCllt
or dccrcc of ahsolutc divorce against th\' othcr in u CIIUrl Ill' compctcnt jurisdiction. thc provisions of this
A!,!r\'cl1lcnt may hc incorpurutcd hy refercncc or in suhstancc hUI shull not hc decmcd mergcd into such
judgl1lcnt or ,lecrce and this ,'\!,!rccmo:nt shall sUl'viv 0: any such tinaljudgmcnt 01' deerco: of uhsolute divorce
alld shall ho: o:ntirely illd\'pendcnl tho:ro:o!".
.12, I'RIOR .-\(;JU:t:l\JEN1. It is undo:rslllod and ugrccd thut an)' und all properly settlement
a!,!rccl1lcnts \Vhich l1Iay or havo: ho:o:n o:xccutcd prior to thc datc and time of this I\greemcnture null and
\' oid and 01110 ..:ffec!.
15
11/1 III "~" II 1'lpl1l kM IIlud. m~,l fl'!'
.'3. SllllSEOllENT IUTON('Il.IATION, 'IlK' purtks ugree that the terms of this Agreement
slmll not be affected by thcir subsequent cohabitation or resumption of marital relations unless the purties
otherwise spedtkally agree in writing,
34. ENH)I{('EMENT OF A<;IU:t:I\U:NT. The pilrties agree thattbe li,IIowing terms apply
to the enforcement of their Agreemenl:
II. Io:lll1il~', It is expressly understood and agreed by and bet\\Cen the parties hereto that
this Agreement nmy be spccilically cnlilrced by either Mike or Kay in I:quity. and the parties ugree that
if an action to enli,rce this Agreemelll is brougbt in hluily neilher party will nmke an objection on the
alleged gnnmd of lack "fjurisdklion "I' the court because there is an adequate renwdy at law, 'Ihe parties
do not intend or purport to improperly confer jurisdiction on a court in Fquity by this Agreement, but they
agree as provided herein lill' the forum of equily in mutual recognition of the general jurisdiction of courts
in t:quity O\W agreements SUdl a,s this one,
b. AClion II! 1.11". NOl\\ithslanding an)lhing to the contrary herein, Mike and Kay may
also proceed with an action al hl\\ Ii,I' redress of his or her rights under the terms of this Agreement. and
in such event it is specilically understood and agreed thaI for alld in specific cOllsideration of the other
provisions and co\Cnants of this Agreement. each shall \\ai\C any right 10 a jury trial so as to expedite the
hearing and disposition of SUdl case and so as 10 avoid delay,
e. ('oxls. EXllcnxcx, Fccx, I'.ach party hereby agrees to pay all attorney's fees. costs,
dmnages or collateral expenses that th,: other spouse may sustain or incur in any way whatsoever as a
~onsequence of an) default or breach by the other spouse of any of the terms or provisions of this
Agreement. providing that thc party \\ ho seeks to reco\Cr such fees, cosls. expenses and damages, clearly
demonstrates that a breach has in lil.;t occurred, It is the specilic agreement and intent of the parties that
bre"ching and wrong doing parly shall bear the burden and obligation of any costs, expenses. damages and
fees incurred by himsel'- or herselL as \wll as Ihe other party in endeavoring to protect, enforce and
preserve his or her rights under this Agreement. The parties m:knll\\ ledge that the hourly rate charged by
each of their counsel and coullsd's paralegal at the time such breach occurs, is an appropriate rate for
\\hkh the) \\ill be liable under this Paragraph,
d. ('odc provixionx, 1'01' enli'r\:emcnt purposes of any terms of this I\greement, Ihe
partks specitically acknowledge that the hbnlar) 12. I <Jllll amendments to the Divorce ('ode of 1980 apply
to this Agreement, including, hut not limiled to. ~ 1105 and ~ 1502(e), Ihe parties specifically
ackn\l\\ ledge. howe\Cr, that the application of the Amendments Ii,I' purposes of enforcement do nol enlitle
the ('ourl 10 modify th,' priv:lle terms of this Agreement a., set li,rth in this Paragraph, Rather, lhey
specilicall) aliiI'm their concurrel1l:e t" these terms,
3!1, \"OJ.liNTARY f::\\E(~FI'I()N.1 he provisions of this Agreement and Iheir legul effect have
h,'en full) explained to the parties hy counscl and each party ackno\\ ledges that this Agreemenl is fair and
e'luitahk. that it is being entered into voluntarily, and that it is not the result of (111) dure3s or undue
IIltluence,
I (,
1I11,IU,'IK II \IIpm Itl\.l Wlll~k 1II~1I DII~
36. ENTIIU: A(iRn..;M.:NT. lhis Agro:clllcnl contains thc cntirc undcrstundings ofthc partics
and thcrc arc nil rcprcscntations, warrantics, COWllants or undcrtakings othcr thanthosc cxprcssly sct Il1rlh
hcrcin,
37, MOmFI('ATION ANn WAIVIo:I{. A Illodilication or \\aivcr of any of thc provisions of
this Agrccmcnt shall hc dTcctivc only if madc in writing and cxccutcd with thc samc Illrlllality as this
Agrccmcnt. lhc Iltilurc of cithcr pari) to insist up.lIt slrict pcrli,nnancc of any of thc provisions of this
Agrccmcnt shall not hc wnstrucd as a waivcr of an) subscqucnt dcllluh of thc samc or similar naturc, Any
\\aivcr hy cithcr party of an) prll\ isillns of this Agrccmcnt or any right or opcrution IK'rctllldcr shall not
hc cllllln,lling nm shall il prc\cnt llr cstllp such party frlllll lhcrcancr cnli,rcing sllch provision, right or
option and lhc Iltilurc of cithcr party III insisl in any llnc or morc inslanccs uplln lhc strict pcrlll\"lllancc of
any of thc lcrms or prll\isions of this Agrccmcnt by thc llthcr party shall not hc construcd as a waivcr or
relinquishmcnt Illr thc futurc of any sud! lcrlll llr provision. hut thc samc shall continuc in full tilrcc and
clTcd,
3H. SITlIS, Rcgardlcss of whcrc thc partics Illay rcsidc or bc domicilcd in thc futurc and
rcgardless llf thc situs llf any of thcir pl'llpcrty. their propcrly rights ancr marriagc. their rights undcr this
Agrccmcnt. and thc inlcrprctalillnof lhis Agrccmcnt shall hc wnslrucd and gmcl"llcd und.:r thc laws of the
('omnllllt\\cahh llf Pcnnsylvania in cffect as llf lhc dalc llf this Agrccmcnt.
.W. I'AIHIAI. INV AI.WITY... If in:y provisions of lhis I\grccmcnt arc held to hc invalid or
uncnforccahlc. all othcr provisions shall nc\crthelcss ,lllllinuc in full li,rcc and crfcct.
ojO. IJINmN(; 1o:.'n:("1'. I-..sccpt as llthcmisc statcd hcrcin. all provisions of this Agreement
shall hc hinding upon thc rcspcdivc hcirs. /lcxt of kin. and pcrsllnal rcprcscntativcs of the parties.
oj I.
,'xc,utcd by
TIUI'I.ICATE ('(WU:S,
thcm in triplicatc originals,
Ihc parties hCrelll agrcc that thc within Agreement shall be
IN WITN.:SS WIIEIU:OF. thc partics hCl'Ctll. ancr full disdoslll'c mmlc. haw signed. sealed IIIId
acknll\\ Icdg\'d this Agrccmcnt in tripl i,ale (11 ,ountcrparts. cach llf which shall constitute an original,
SIUN!-I>, S!-AI.U) ANI> I>!-I.IVIRU)
I" Till, PR!-SI'IW'I;, Of,:
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LAW OFFICIS
HO"MIYlII . .IMMILMAN
30 NO"lH GIOIlOI 11"111
VO"K, I'INNIVLYANIA 17401
~N j ~ 199&
.. '...
Ofl, I~, 'Ill 2 _"11111I J~J iJhl~'~ ,uud
IN nn: COlIRT m' COMMON "I..:AS (W ClJMDF.RI.ANI) COlINTY. P.:NNSYl.vANIA
Mll'Il,\I~1. I.. (j(,II('K.
NO, 1)6-2075
l'I.A1N'III'T
\,
CIVIl. A(,'IION - I.AW
MARY KATlII,HN (iLl leK.
DHFNIMN'I
"I.AIN' UTS MOTION H)I~ Sl 'I'LEMEN'!'AI. IHVORO: m:CRF..:
) '-fJ
ANI) NOW. to Wil. th~ \ . \Iayor . l'l'lll. cOl11es the Plaintiff. Michael
I.. (Huck. hy and through his allomey. Karcn I.. SCl11mchnan. FSlluire and tiles Plaintiffs Motion for
Supplemen\aIDivOl'cc Decree and in supporllhcreor states as 1l1llows:
I.
l'laintiff is Michael I" (Huck. (hercinalier referred to as "Hushand"). 1111 adult individual who
cUI'l'ently resides at 121 () Walerlilrd. ('amp lIill. Pennsylvania 170 II.
,
Defend.lIlt is Mary Kathlecn (Huck (hereinafter rererred to as "Wife"). an adult individual who
currenlly resides at III Old Stonehouse Ro"d. ('arJisle. Pennsylvania 17011.
.\,
On April 1 tl. 191)6, Hushand tiled a Compliant for Ilivorce under ~ ]JOI (c) und DO I (d) andralsina
,'.1/
"~
the claim of e'luitahlc distrihution,
,.
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1:\
.md raised thc claims of c'iuitahl.: distrihulion. alimony. alimony pcnd.:nt.: lite. allorney fees and costs.
"',"hl'
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On Seplemh.:r .,. 19%. Wife likd an Answer and Count.:rclaimto Hushand's Divor.:c comp,';!li!l{
1,"\
~.
()n (kwh.:r Ill. 19%. Wil\: tiled an Am.:nd.:d ,\ns\\er and ('ounterclaim wh.:rein the sam~ issues
\\crc raised,
I)f,.lt'JH !.12plll l,Ii:J 1I111~kullhl
6,
On December .10. 1997. II Divorce Decrec was cntered.
7.
()n Junc 10. 1")1)11. the Pllrties entcred into a 1'l'Upcrly Selllemcnl Agreement resolving all economic
elaims,
II,
Pursuant to Parugruph .1 I of the June 10. 19911 Propcrly Selllcmcnt Agreement. the terms of thc
Properly Sclllemenl Agreement may he incorpol'llh:d. hut not merged wilh the decrec of divorcc.
9.
'Ihe partics nOlI desire a Suppkmcntal Divorce Decrce he enlcrcd incorporating. bulnot merging
the terms of thc Property Sclllcml:nt Agrccment dated June 10. 19911,
WIIF.RF.FOIU:. Plaintirr rcsp.:ctfully r.:quesls your lIonorablc Court dire.:1 thul a Supplemental
Divorc.: Dccree be entcred incorpol'llting. hut not merging the lerms of the Properly Sclllcment Agreement
hctwecn thc pmtics dated Junc 10. 1998,
" ,
tcd.
SH'\lIMELMAN
BY: . """_,
K, " S . >>man. Esquirc
Allorn.:y ti,l' l'laillliff
30 North (icorgc Slreet
York. Pcnnsyll'mlia 17-10 I
Telephone II: (717) 11-16-1111-16
Supreme l'ollrtll: ~<)1)71
,
,
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I
~rhael L, Gluck
Ple;ntiff,
VS,
IN THE COU OF COMMON PLEAS MAY 2 5 200R
CUMBERLAND COUNTY, PENNSYLVANIA g~
CIVIL ACTION - LAW
Marv Kathleen Kush
Defendant
NO. 96-2075
QUALIFIED DOMESTIC RELATIONS ORDER
1, The parties to this uction have entered into a Property Settlement Agreement dated
June 10, 1998, The Court incorporated but did not merge the Properly Settlement Agreement
into its Decree of Dissolution of Marriage dated December 30, 1997.
2. This Order creates and recognizes the existence of an Alternate Payee's right to receive
a portion of the Participant's benefits payable under an employer sponsored defined contribution
plan which is intended to be qualified under Internal Revenue Code of 1986 ("Code") ~401(a). The
Court intends this order to be a Qualiliea Domestic Helations Order ("QDRO") within the meaning
ofCade ~414(p). The Court enters this QDRO pursuant to its authority under the 23 P.C.S.A.
~3502.
3. This QDRO applies to the Internists of Central PA, Ltd. 401(k) Profit Sharing Plan
("Plan"), account number W63-2287066. Further, this Order shall apply to any successor plan to
the Plan or any other plants) to which liability for provision of the Participant's benefits described
below is incurred. Any benefits accrued by the Participant under a predecessor plan of the
employer, whereby liability for benefits accrued under such predecessor plan or other defined
contribution plan haa been transferred to the Plan, shall also be subject to tbe terms oftbis Order.
Any cbanges in Plan Administrator, Plan sponsor, or name oftbe Plan sball not affect Alternate
Payee's rigbts as stipulated under this Order.
4. Michael L. Gluck ("Participant") is a participant ill the Plan. Mary Katbleen Kusb
("Alternate Payee") is the alternate payee for purposes oftbis QDRO.
6.
Tbe Participant's name, mailing address, social security number and date ofbirtb are:
.
Micbael L, Gluck
632 Ridgeview Drive
Lemoync,PA 17043
Social Security N: 094-40-3559
Date of Birth: April 3, 1949
6.
The Alternatlt'Payee's name, mailing address, social security number and date of birth
are:
Mary Kathleen Kush
81 Old Stone House Road
Carlisle, PA 17013
Social Security N: 174-40-8130
Date of Birth: February 11, 1948
The Alternate Payee shall have the duty to notify the Plan Administrator in writing of
any changes in this mailing address subsequent to the entry of this Order.
....
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. Pags> 2
7. The portion of the Participant's plan benefits payable to the Alternate Payee under this
QDRO is:
(a) 50% of the value of the fOllr limited partnerships identified as Mendik, ConAm,
Uniprop and Uniprop II, and
(b) 55% of Fidelity Account 179-519669 (previously Fidelity Account 179-519669 was
account number W63-2287066) less $15,893.
The Alternate Payee's portion of the benefits described above shall be segregated and
separately maintained in account(s) established on her behalf and shall be credited with any
investment income or losses attributable to her separate accounts from the date segregated until
the date of total distribution to the Alternate Payee,
If the Alternate Payee's portion of the limited partnerships referred to in Paragraph
7(a) cannot be segregated, all future distributions and the proceeds of any sales shall be divided
equally between the Alternate Payee and the Participant.
8. This QDRO does not require the Plan to provide any type or form of benefit the Plan
does not otherwise provide.
9. This QDRO does not require the Plan to provide increased benefits.
10. This QDRO does not require the Plan to pay any benefitll which another order
previously determined to be a qualified domestic relations order requires the Plan to pay to
another alternate payee.
11. If the Alternate Payee so elects, the Plan shall distribute the amount designated in
Paragraph 7 of this QDRO, together with allocable earnings, as soon all administratively feasible
following the Plan Administrator's approval of this Order. If the Plan does not permit an
immediate distribution of this amount, the Plan shall pay such amount as the Participant's
earliest retirement age as defined by Code ~414(p)(4)(B), subject to the Alternate Payee's election.
Hl. Benefits are to bl! payable to the Alternate Payee in any fcrm or perDliaaibla option
otherwise available to the Participant and alternate payees under the terms ofthe Plan, .
including, but not limited to, a lump sum cash payment. The Alternate Payee shall execute any
forms required by the Plan Administrator,
~
13. On and after the date that this order is deemed to be a QDRO, but before the Alternate
Payee receives her distribution under the Plan, the Alternate Payee shall be entitled to all of the
rights and election privilegell that are afforded to active participants, including, but not limited to,
the rules regarding withdrawals and distributions, the right to name a beneficiary, and the right
to direct her Plan investments to the extent permitted under the Plan.
14, All payments made pursuant to this order shall be conditioned on the certification by
the Alternate Payee and the Participant to the Plan Administrator of such information as the
Plan Administrator may reasonably require from such parties.
q,:1'tU
Palle 3
15, It is the intention of the parties that this QDRO continue to qualify as a QDRO under
Code ~414(p), as it may be amended from time to time, and that the Plan Administrator shall
reserve the right to reconfirm the qualified status of the order at the time benefits become payable
hereunder,
16, In the event that the Plan inadvertently pays to the Participant any benefits that are
assigned to the Alternate Payee pursuant to the terms of this order, the Participant shall
immediately reimburse the Alternate Payee to the extent that he has received such benefit
payments and shall forthwith pay such amount so received directly to the Alternate Payee within
ten (0) days of receipt,
In the event that the Plan inadvertently pays to the Alternate Payee any benefits that
lire assigned to the Participant pursuant to the terms of this order, the Alternate Payee shall
immediately rcimbu.SE: the Plllticipant to the extent that she has received such benefit payments
and shall forthwith pay such amount so received directly to the Participant within ten (10) days of
receipt.
17. In the event that the Participant's benefits, or any portion thereof, become payable to
the Participant as a result of termination or partial tennination, then the Alternate Payee shall
be entitled to commence her benefits immediately in accordance with the terms of this QDRO and
in accordance with the termination procedures of the Plan.
18. After payment of the amount required by this QDRO, the Alternate Payee shall have no
further claim against the Participant's interest in the Plan.
19. The Alternate Payee assumes sole responsibility for the tax consequences of the
distribution under this QDRO,
20. Until the Plan completes payment of all benefits pursuant to this QDRO, the Plan shall
treat the Alternate Payee as a Surviving Spouse for purposes of Code ~~401(aXll) and 417, but the
Alternate Payee shall receive, as Surviving spouse, only the amount described in Paragraph 7 of
this QDRO, The sole purpose of this Paragraph 20 is to ensure payment to the Alternate Payee in
the event of Participant's death prior to payment by the Plan of the amount described in
Paragraph 7 of this QDRO, In t.he ev:m~ of tho Altor.late Payt:c'3 d..ath prior to the payment by
the Plan of all benefits pursuant to this QDRO, the Plan shall pay the remaining benefits under
this QDRO to H or any beneficiary subsequently designated by the
Alternate Payee and recorded with the Plan Administrator under the terms orthe Plan. .
~
21. The Plan shall treat this QDRO in accordance with Code HI4(p)(7). While the Plan i.
detennining whether this order is a qualified domestic relations order, the Plan Administrator
shall separately account for the amounts which would have been payable to the Alternate Payee
while the Plan is determining the qualified status of this QDRO.
22. The Plan Administrator promptly shall notify the Participant and the Alternate Payee
of the receipt of this QDRO and shall notify the Participant and the Alternate Payee of the Plan's
procedures for detennining the qualified status of this QDRO. The Plan Administrator shall
detennine the qualified status of the QDRO and shall notify the Participant and the Alternate
Payee of the detennination within a reasonable period of time after receipt ofthls QDRO.
"my children, Jessica R. Gluck, David I.. Cluck, and ,Ion Michael Gluck, equally
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