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Home My WebLink About96-02481 ~ ~ '\ "'-.'''' " ., I, , , '. J J Ii .... 0.- 3- '" ~ ...) ()oo ~ ';.' , ' f . I . \ .' ,'" ;ii, I . ''',' ~ .,- (J ;.... 'oJ'1 ,) ;~ ; ~ i !~!h ... I i ~ ! ~ ~ ... ! ~ l' i !l ... a .. ..ll ~ 5 ~ ,~ II:!~ !:l~ .... ~ ~ ~ ~~ r' !:l& i: 'I .. :z r:- E- o( :! 100 ~ ~ ~ III .. ~ ~ ~ i tc.~ doj e: "J ~ :i . . ~ ... I> , ,r . ~ C,l ~ u i '~ ~ ...:I OJ , . . ~ . 'J~ Q If2 ~ t 1; ill i OJ 0 0 V C) 1- - 11. !:.J ",' 0 0 @ -:r ~ @ , , , ~ ~ , It') 0 .. r- ()c l't 0- I'., 0 LO ~ r<l ()(j - ~ ~ L ,j I I' , ,~ _. " vr e,. u ,. 'i_ . I' ;i .... ~ I i I I~!~I tl"'UIIl .... 1 !~~~ .... e:~~1Il · ~ I · i Ii ,.j .. l'l U ~, $ > ,~ ..a "'l'1OI ~~~tl= i!l~ ~ ~ i ~ ~ ~~ IlL~ ..... J ! "'~ ~~ r:u ~~~~ ~ ~ ~ It;.. E; ll~/ ~ ~ ~ ~ '" ') . :i lIJ . . ~~~~ . i ~ W I> . u 'i U ~ ~ .., .-l ~ .. '. '. ' " - , '-.' Ii' ,': , . I , , 'I , , ';~ ~i - ~ I ! ... ..., .- ~&!~ ~<... 0"''''' - ... ... tlr:.e I~!~~ ~ f B~~ ! ~ I ! ill ... .~ m=aI .~ .... ~~~ . 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II > '.. !!; ~~Q III ~ ~ L6. ~ ~~ &L~ .... ~~~~~ J) c. ~ i ~r;: r' ~u ~ '" ,...,... II~~= ~ ~ I&. ... ~ l/.j --- ~ ~ i ~ ~ "'"~ ~~~=:: '" J ~ . J :n ~ ~ ~ 1.10- ... . ~ ~ y I> ...; . ; ~ ~ ~~~~ ~ 0 ..,.. I!!!l i ~ ... ~ =M ~ .'1 . .--- - -- , .. I , ~i ~ ~~ U ~ I ~ I~~~~ ~ ~ ~ ~ ... .. w " .I! ~ ~ i ~ '\ I ~ .~ ~ ~ .. oz. !!;i~~~ &d it I'~ ~ ~ ~ ~ ~ . ~ I . ~ ON .... . U o ' ~ ~ ~,: ~~ ~~ ~es !' .. 0. Z ;::;:' II~~= ~~ . ~ i E ~. E~ ~ J W . . III ) . g '1! . ~ t,J0- ... I> . ~J ' ~ . << ~ U .~ . . 0 I!l i , d ..l ~ , , . " 'I I, I I ~. ~ ~l if: , '1. .1 , .' } ,.. INCOME AND EXPENSES STATEMENT OF LfNDA K. SNYDER INCOME (a) Wages/Salary Employer & Address THORNWALD HOME. CARLISLE. PA 17013 Job Title/Description RN - ASSIST ANT DIRECTOR OF NURSING Pay Period (weekly, bi-weekly, monthly) BI-WEEKL Y Gross Pay per Pay Period........APPROXIMATELY...............................$ 1.515.00 Payroll Deductions: Federal Withholding $ 182.68 Social Security $ 93.93 Local Wage Tax $ 15.15 State Income Tax $ 42.42 Retirement $ 50 00 Health Insurance $ Other (specifY) $ $ $ Net Pay per Pay Period.................................................................$ \.108.40 (b) Other Income Week Month InterestlDividends $ $ Pension! Annuity $ $ Social Security $ $ RentsIRoyalties $ $ Expense Account $ $ Gifts $ $ Unemployment Compensation $ $ Workmen's Comp $ $ --- Total, Other Income $ $ Year $ $ $ $ $ $ $ $ $ INCOME AND EXPENSE STATEMENT OF LINDA K. SNYDER I verilY that the statements made in this In,ome and Expense Statement arc true and conecl. I understand that faIse statements herein arc made subject to the penalties of 18 Pa.C.S. 4904 relating to unsworn falsifieation to authorities. Date: November I. 1996 ~#'i~? AI...:in. /cUA-) Plaintiff rf' EXPENSES Household Child Household Child Week Week Month Month Home Mortg8gelRent $ :5 $ 500.00 $ Maintenance $ $ $ $ Utilities (telephone, heating electric, etc.) S $ $ 300.00 (PP&L, Phone, Employment (transportation. lunches) water/sewer,trash) $ $ $ 40.00 $ Taxes Real Estate S $ $ $ Personal Property $ $ $ $ Income $ $ $- $ Insurance Homeowners $ $ $ $ Automobile $ $ $ 100.00 $ Life! AccidentlHealth $ $ $ 30.00 $ Other S $ $ $ Automobile (payments, fuel, repairs) $ $ $ 100.00 $ Medical Doctor, Dentist, Orthodontist $ $ $ 25.00 $ Hospital $ $ $ $ Special (glasses, braces, etc.) S $ $ 46.00 $ Education Private, Parochial School $ $ $ $ College $--- $- $ 320.00 $. Personal Clothing $ $ $ 150.00 $ Food :5 $ $ 250.00 $ Other (household supplies, barber, etc.) $ $ $ 75.00 $ Credit payments and loans $ $ $ $ Miscellaneous Household help/child care S $ $ $ Entertainment (inc. papers, books, vacation, pay TV, etc.) $ $ $ 50.00 $ Gifts/Charitable contributions $ $ $ $ Legal Fees S $ $ 100.00 $ Other child support/alimony payments $ $ S $ Other (specify) $ $ $ $ Total Expenses $ $ $2.086.00 $ PROPERTY OWNED Ownership- Description Value H W J Checking Accounts as cf 10/21/9& $ 69.00 1L- S Savings Accounts as of 10/21/96 $ 877 .19 A.- $ Credit Union $ S StocksIBonds $ $ Real Estate $ S Other $ $ Total Property S Coverage INSURANCE Company Policy No. H W C Hospital Medical Health! Accident -- Disability Income Other (dental, etc.) (-H-Husband, W-Wife, J-Joint, C-Child) SUPPLEMENTAL INCOME STATEMENT A. This fonn must be filled out by a person who (check one): ( 1) operates a business or practices a profession; or (2) is a member of a partnership or joint venture; or (3) is a shareholder in and is salaried by a closed corporation or similar entity. B. Attach to this statement a copy of the following documents relating to the business, profession, partnership, joint venture, corporation or similar entity. (I) the most recent Federal Income Tax Return, and (2) the most recent Prolit and Loss Statement. C. Name and Address of business: Telephone number D. Name and Address (if different than C) of accountant, controller or other person in charge of financial records: E. (1) Annual income from business (2) How often is income received? (3) Gross income per pay period (4) Net income per pay period (5)Specitic deductions ifany S $ S $ S . ,. .I~ . . . q' , , _.ROU,J08, QIL.ROY '" HOUSTON. ATTO"N.V. AT .....W ... NO"TM MANOV." .T....., CA"L.I.LIE, ,.I:NN8VL.VANIA ''7013 ""7' ...a~".7" ?.~,..O PIC, . t1"J~ -"'_~._'_T_.".I...~ --..--..... ...-..--- , . ,j " " 'I . ,f ,.~. , \ I ~~ y. "'J t if ". .1 , " }" ,... LINDA K. SNYDER, Plaintiff V rIN THE COURT OF COMMON PLEAS OF rCUHBERLAND COUNTY, PENNSYLVANIA r rCIVIL ACTION - LAW r :96 - 2481 CIVIL TERM :IN DIVORCE HARK C. SNYDER, Defendant PRETRIAL STATEHENT OF DEFENDANT MARK C. SNYDER 1 The assets of the parties are as follows: A. The parties own a property at 1142 Petersburg Road, Boiling Springs, PA, which has been appraised for $117,000.00. B. The parties own real estate located at 215-217 Pine Grove Road, Gardners, PA, which has been appraised for $79,500.00. C. There is a mortgage on the Petersburg Road property which had a balance of approximately $9,800.00 in March and a home equity loan that had a balance of approximately $5,300.00 at the same time. D. Mr. Snyder is employed with PPG and has worked there for 25 years. Ho has an accrued straight-life pension benefit as of March 1, 1996 in the amount of $667.33 per month. The pension benefit is payable May 1, 2015. E. Mr. Snyder has a PPG stock fund which had a value of approximately $51,000.00 as of March 31, 1996. F. Mr. Snyder believes his wife has a pension through her employment but is unsure of the value at this particular time. G. rhere are approximately 10 insurance policies, some owned by Mr. Snyder and some owned by Mrs. Snyder. An 4ccounting will need to be made for those policies. 2 Mr. Snyder's Income and Expense Statement in attached hereto. 3 rhe parties were married November 30, 1969. rhey have three children, Amy who is 23 and married, Angela who is 20 and Kathleen who is 17. Mr. Snyder was born on April 10, 1949 and Mrs. Snyder was born on April 9, 1950. Mr. Snyder's health is fine. 4 rhe parties possess some miscellaneous items of personal property which the parties may be able to work out a distribution of other than reliance upon the Master. This issue will need to be addressed prior to the Master's hearing. 5 Mr. Snyder does not plan on calling any expert witnesses at the hearing unless there is a dispute with respect to valuo of the real estate or a dispute with respect to value of the pension. 6 The 215-217 Pine Grove Road property is a rental property and the parties have listed that property for sale. INCOME AND EXPENSE STATEMENT OF SSN 1(,1 ...J.:L.. .rf.2.i' DR. DATE~I/q" THIS STATEMENT MUST BE FILLED OUT (If you are self.employed or if you are salaried by a business of which you are owner In whole or In part, you must also fill out the Supp1ement511ncome Statement which appears on the last page of this Income end Expenll Stltemenl.) INCOME (a) Wages/Salary Employer & Address pf>(,. </..iSo I'h~ ;)(. C4~/i//~ P... Ilo/~ Job TltlelOescrlpllon L......d y>1/t'" - .Jt /~""".!'J Pay Period (weekly. bl.weekly. monthly) I ~ ' ~ 1...~ .f )oHM Hi . Gross Pay per Pay Period .................................. .................................................................................. $ .:l.l 7~/1:!!~.tJM Payroll Deductions: Federal Withholding ..................$ .1/9 Social Security ...........................$ .2. I q Local Wage Tax ..........................$ .1., State Income.Tax .......................$ 8'.J Rellrement ..................................$ Health Insurance ........................$ ~ 0 Other (specify) .:?Il...,..f.'..?l~.........$ /<:.>0 ~d....A.~.d.:........$ d.s- u."'j':!.~r.:.../,.':f.~.........$ I Y Net Pay per Pay Period ........................................................................................................................ $ eilO.) sf 1_.. . r Total. Other Income .......................$ Month Year $_ $ $ $ $ $ $ ~ I..? $ $ $ $ $ $ $ -----. . $_ $ $ c'1d-. $ (b) Other Income Week Interest/Dividends ......................$ Pension/Annuity .........................$ Social Security ...........................$ Rents/Royalties ................... ......$ Expense Account .......................$ Gifts .............................................$ Unemployment Compensation .$ Workmc1s Compensation .......$_ ._____. INCOME AND EXPENSE STATEMENT OF ,-_.~._---_.-_._._------ --------- I verily tl'lat the slltements mad' in this Incom. and Ell:oense SIal., menl are frue and eorrect, I understand It'la1lalso statlmenlS her.ln are made sublect 10 the penalties of 18 Pa,C,S 4904 relating to unsworn falslhcallol~ 10 authorities Oall _____ _ p'la-intiT,- orEfefendan.1 - LINDA K. SNYDER, plaintiff vs. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96 - 2481 CIVIL MARK C. SNYDER, Defendant IN DIVORCE RE: Pre-Hearing Conference Memorandum DATE: Monday, January 27, 1997 Present for the Plaintiff, Linda K. Snyder, is attorney Marcus A. McKnight, III, and present for the Defendant, Mark C. snyder, is attorney Hubert X. Gilroy. A divorce complaint was filed on May 6, 1996, raising grounds for divorce of irretrievable breakdown of the marriage and indigniies. Counsel have advised that the parties will sign and file affidavits of consent prior to the hearing to be scheduled in these proceedings so that the divorce can be concluded under section 3301(C) of the Domestic Relations Code. The divorce complaint also raised the economic issue of equitable distribution. The motion for appointment of Master indicated that counsel fees and expenses were to be considered by the Master; however, no claims have been raised for counsel fees and expenses and counsel today have indicated they will probably not file any pleadings raising those issues. The parties were married on November 30, 1969, and separated February 24 or March 1, 1996. The date of separation is not terribly significant here in terms of whether it was February 24 or March 1, since the alleged dates of separation are so close in time. The parties are the natural parents of three children, Amy 23, Angela 20, and Kathleen 17. Husband is currently paying support for Kathleen pursuant to an agreement that the parties have worked out privately. Neither counsel was aware of the amount being paid and apparently the amount is not being paid through the Cumberland County Domestic Relations Office or pursuant to any court orders. Wife is 46 years of age and resides at 928 Forest Court, carlisle, Pennsylvania, with the minor child of the parties. Wife has a high school diploma and nurses training. She is an RN Assistant Director of Nursing at the Thornwald Home in Carlisle and has reported a net biweekly income of $1,108.40. Wife has not raised any health issues. Husband is 47 years of age and lives at 1142 . Petersburg Road, Boiling Springs, Pennsylvania, where he lives alone. Husband is a high school graduate and works for PPG as a leadman in shipping. His monthly net as reported on his pre-trial statement and income and expense statement is $2,024.00. Husband is also receiving rents from the property that the parties own at 215-217 Pine Grove Road, Gardners, Pennsylvania. He reports receiving rent in the amount of $612.00 per month; the Master has requested that he prepare an aocounting of the rental income and expenses that he has incurred pursuant to that property so we know whether or not there is a net rental income that he has been retaining or whether or not he is putting in other funds to keep the property going. Husband has not raised any health issues. The property at 215-217 Pine Grove Road is listed for sale and there may be an agreement for the sale of the property at $78,000.00. Counsel have noted a value of $79,500.00 for the property but we will, of course, use the sale price to represent the market value. If the property is sold before the hearing in these proceedings or the final resolution, COunsel can determine whether they want to make distribution of the proceeds between the parties or put the money in escrow. That property is free of any liens. Husband is living in the marital residence at 1142 Petersburg Road, Boiling Springs, Pennsylvania, and there have been three appraisals done of that property. The most recent appraisal is $120,000.00 by steve Barrett and counsel may be able to stipulate that that is the market value. That home is subject to a first mortgage and a home equity loan. Both payments total $700.00, each payment being around $350.00 per month. Husband has been making the payments on the mortgage and the home equity loan. Husband's counsel has indicated that hUsband would like to have the home awarded to him as part of the equitable distribution in this case. Although husband has indicated that at this time he would like to remain in the home he may have tu revaluate his position after he has all the financial data in this case leading toward a final resolution. Husband is a participant in a pension plan at PPG designated as a retirement portion and a PPG stock fund. The retirement portion is being valued by Harry Leister and that will be shared with Mr. Gilroy as soon as it has been received and reviewed by Mr. McKnight. The PPG ~tock fund as of March 31, 1996, had a value of $51,182.24. Wife is a participant in a pension program through . her employment and as reported on Mr. Mc~night's settlement memorandum statement, the tax sheltered annuity has a value of $2,369.81 and the 401(k) annuity a value of $18,566.32. Also listed on the pre-trial statements and on Mr. Mc~night's settlemont memorandum are various insurance policies owned by the parties and the cash values for each of the policies. Mr. Mc~night and Mr. Gilroy may be able to enter a stipulation at the time of the hearing as to the cash value of those policies so we can use those numbers in the equitable distribution computation. Hr. MCKnight has had the household tangible personal property appraised by Charles Spahr showing the value of the property in wife's possession at $768,00 and the value of the property in husband's possession at $8,452.00. The appraisal included a car in wife's possession which was valued at $200.00 (a 1978 Chrysler New Yorker) and a truck in husband's possession valued at $3,500.00 (a 1987 pickup truck). Mr. Gilroy has indicated that he is going to review the appraisal with his client and he may have another appraisal done on his client's behalf. There is some question as to whether or not husband sold off an item or more than one item of personalty and Mr. Mc~night is going to get that information for Mr. Gilroy. Mr. Mc~night mentioned a log spliter for example and we simply need to have those facts verified and if any property was sold by husband what the sale proceeds were for the property. There is also noted on the pre-trial settlement memorandum a stock account of PPG which Mr. Mc~night estimates at $10,000.00. The question is whether or not this stock is separate from the stock in the retirement stock fund. Mr. Mc~night has indicated that Mrs. snyder thinks the fund exists so perhaps Mr. Gilroy can assist in providing any documentation about this fund if it exists. If there is none then he can so advise Mr. McKnight. Counsel have indicated that aside from the mortgage on the marital home and the home equity equity loan, there is no marital debt. It appears as if after the factors are evaluated and the final numbers have been produced as to the value of the assets, that the issue will be the percentage of distribution for each of the parties. Mr. McKnight has advanced a suggestion that the distribution should be 60/40 in favor of wife and Mr. Gilroy has indicated that he believes the distribution should be (2) il fully and completely informed of the facts relating to the lubject matter of this Agreement and of the rights and liabilities of the parties; (3) enters into this Agreement voluntarily after receiving the advice of counsel; (4) has given careful and mature thought to the making of this Agreement; (5) has carllfully rend euch provision of this Agreement; and (6) fully and completely understands each provision of this Agreement, both as to the lubject matter and legal effect. This Agreement shall becolTle effective immediately as of the date of execution. 5. It is the purpose and intent of this Agreement to settle forever and completely the interest and obligations of the parties in all property that they own separately, and all property that would quality as marital property under the Pennsylvania Divorce Code, Title 23, Section 401(e), and that is referred to in this Agreement as "Marital Property", as between themselves, their heirs and assigns. The parties have attempted to divide their Marital Property in a manner that conforms to a just and fair standard, with due regard to the rights of each Party. 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 effected without the introduction of outside funds or other property not constituting a part of the marital estate, except for the loan secured by Husband to complete his obligations established by this Agreement. It is the further purpose of this Agreement to settle forever and completely any obligation under the Pennsylvania Divorce Code relating to spousal support or alimony. 3 6. Each party represenu and warrants that he or she has made a full and fair disclosure to the other of all of his or her property interests of any nature, including any mortgage, pledge, lien, charge, security interest, encumbrance, or restriction to which any property is subject. Each party further represents that he or she has made a full and fair disclosure of all debts and obligations of any nature for which he or she is currently liable or may become liable. Each further represents and warrants that he or she has not made any gifts or transfers for inadequate consideration of Marital Property without the prior consent of the other. Each Party acknowledges that, to the extent desired, he or she has had access to all joint and separate State and Federal Tax Reiums filed by or on behalf of either or both Parties during marriage. 7. REAL ESTATE: HUSBAND agrees to transfer to WIFE all right, title and interest which he may have in the real estate known as the Toland property situate in Dickinson Township, Cumberland County, Pennsylvania. All rents due on the Toland property on March 1, 1997, plus any security deposits will be paid to WIFE by HUSBAND. WIFE agrees to convey all right, title and interest which she may have in the real estate known as 1142 Petersburg Road, South Middleton Township, Cumberland County, Pennsylvania. In addition, HUSBAND agrees to refinance the joint mortgages into his own name and pay to WIFE the sum of Seventy Six Thousand and no/100 ($76,000.00) Dollars 8. ~PPORT: It is tre mutual desire of the parties that HUSBAND will not be required to pay support to the WIFE. WIFE will not provide any financial support to the HUSBAND. The 4 10. AUTOMOBILES: a.) WIFE agrees to waive any and all interest which she may have in the 1987 Dodge Pickup Truck to HUSBAND. b.) HUSBAND agrees to waive any and all interest which he may have in the 1982 Chrysler New Yorker to WIFE. They each waive any claim which they hav~ in any automobiles owned by the other party. 11. MARITAL DEBTS: Each party will be responsible for their own debts incurred after the date of separation. HUSBAND has assumed responsibility for the Mortgage and the Home Equity Loan with PNC Bank. HUSBAND agrees to hold harmless WIFE from all responsibility for said loans. 12. INSURANCE AND EMPLOYEE BENEFITS The parties agree that any life insurance policies on the life of HUSBAND or WIFE or any other employee benefits, including but not limited to retirement, profit sharing or medical benefits of either party, shall be their own. WIFE waives all right, title and claim to HUSBA..ND's employee benefits, and HUSBAND waives all right, title, and claim to any of WIFE'S employee benefits. Il BENEFITS AND BANK ACCOUNTS: WIFE agrees to waive all right, title and interest which she may have in the savings or checking or any other bank accounts of the HUSBAND. The HUSBAND agrees to waive all interest which he has in the bank accounts of the WIFE. 6 14. DIVORCE: The parties both agree to cooperate with each other in obtaining a final divorce of the marriage. It is as reed that the parties will execute and file the consents necessary to obtain the divorce. Any party who fails to cooperate with obtaining the Divorce shall pay all the costs and lesal fees of the party who is seeking the divorce. 15. BREACH: If either party breaches any provisions of this Asreement, the other party shall have the right, at his or her election, to sue lor damages for such breach or seek such other remedies or relief as may be available to him or her, and the party breaching this contract should be responsible for payment of legal fees and costs incurred by the other in enforcing their rights under this Agreement. 16. ADDITIONAL INSTRUMENTS: Each of the parties shall from time to time, at the request of the other, execute, acknowledge and deliver to the other party any and all further instruments that may be reasonably required to give full force and effect to the provisions of this Agreement. 17. VOLUNTARY EXECUTION: The provisions of this Agreement and their legal effect have been fully explained to the parties by their respective counsel, and each party acknowledges that the Asreement is fair and equitable, and that it is being entered into voluntarily, and that it is 7 VllulUon BloUon UliMA 10 811E VALUE .... E1SlIMAIEO RlPRODUCTlON C05T.NlW,or IMllfllJV~MENI6; Summary Appraisal Report UNIFORM RESIDENTIAL APPRAISAL REPORT Fill No. .., 25,000.. CUII1I11",I. on Cull ApprOlth 1I11l:h II, IUU/C. 01 coli .lIlml1ll, .11. valll', Iqum luul Cltelllllloll, .nd fUf tlUll, VA .lId 'milA, Iht IIlImlll.d r.m.lnlng .(anomte Ill, 01 Ih. prop,,'~): Cg.t-na"'__ from Haraha11 SHift Va1uation~Slrvicl_ /landbook and local ~ cOllt. Ina1Yllh. ~Ind~. value from HarketPata COll1larhon._...__ Pepreciation buell on. agl Ufl observld._. ccndition and Huket Data Ana1yds._ Hm. Eetimated Rema1ning Econom1c LUIL40_ to__ ~5 years. 15,000 94. 140 3,500 6 oWllllnl__1,.4.54.6,.f1111 .54,00.1 78.516. J JI.._nt___5045,f101 15.00 7,560 ~ngl.forch/ff/flul/forch . . lS.000 I GIIIIIICIlP'" 576 s,HII 114,00. 8.064 101.1 hllmllld Co. I N,w .... .... ..1 109, 140 l... 13.7' IlhVIICl1 functlun,l E_Illno1l i Olp"ellllon 15,ooa. I .1 O.pllel.l,d V"ut ot ImpIIJV.,fllnll . S OAI_I.. V,'u. of SlIllmpfOYlm.nls . S INDICAlID VALUIIV COlt APPROACII .1 HEM SIJlJJECT CllMI'AlMIII E NO 1 WMPAflAlIl L NO, 2 CU~j1^"AUI ~_NQ:.~__ 1142 Petereburq Road 1007 Forqe Road 11 Shirley Lane 530 Boxwcod I.ane Willi Culhl ............................. Car1h1e Car1h11l Cadh1e PIO,lm"yI' sobllCl .m.''.._._.._... . 5...lIIUII.. mljl . .. .. .. .. .3..m.uu..m/ll _. .5...Il1U.u'll/ll.____ ____ SII" PHCI ~ : N/~/'I .. H...... ~/I[....... U4.~QQ I..... .-.. ... ... : 1[....H4,OOO ,...... ..n' ~/{.U8,900 PHellUIOIIlI, A'" 62, se .211..13.......... .~. 71,43 I .25..18........... .. .79,91 ..__.___ O,l.,nd/or Inspection Courthouse bcords Courthouse Recorda Courthouse Records Y"IIIClllon SOUle" ,o,ppraheJ;' 0 Patll ,o,ppraher'.1I D.ta_..__ v~~~~ ^.q~~~TMEN TS ._._!?~~~~~~r!ON IlE SCAlP liON , !." ""dlll~lr!'cnl._ OESCIIIPTION ~! l' ""OIL.llrnlnl_. _.J)E~~!\lP'ION___ _ _, ~ U~ ~1~~.m~'.1 S.luDrfln.ntlng None, Cony None, Cony Cl.Coat,ConY: -1,lU9 C,ncml'n1 .... .._.....".......................... POH I.Inknolm POI'! ;22 POI'! \1nknolm i _.__... QII!"S.IIITiml 11.6L.i7................. 1117/96 12/20/95 9/~L...._ __H. :___ . loCi lion Suburbln S"burben __> Sub1Jrb~n Suburban __~_ __: ~~__ l"lIhold/11I Slmpll Fee S.1I11>le fee 5.1111>le FeeSilnp1e Fee _ Silnple 1-..- s'''___.. .75 Ac/Avg, ,56 Ag/,o,vg. .34,o,c/Avg. .30 Ac/Avg. i .....____._ VI.w Reed/Country It."idential flelSd/Count~y: ReoQ/Co"ntJ:y!.._.._o_______ __ 1l1!li",nd App"1 Split-Lvl/Av Split-Lv1/Av SpUt-loVl/Av; Splitcl,vl/AVI. ._... . (j~llIly 01 ~lln~Ir~J1;III~n Avtl~.ge Average lwQ~age AV81'1ge; ..__>~__ . ~ Ai' 18. Yllue 29. ..un +2,000 27.:teus n,ooo 5uYean i ___",5,000. Condlllon AVlfage, Avefagll, AVerage, GOO~... u: i.._~5,.OlJO AboVI Gr.d. Iul,l !. Udr"~ ; 11111'1 Inlll Ildrr.,: (1I1hl 1111,1 : 1"1'"1 : Hlltll 101'1.: Rdm~ : Illlh~_ n Room Coon I 7. :3_:2.5 6.: 3:1.5 +2,000 6: 3 :1,5 +2,000 6._:L:2u_;-.-';i~-ouo p _Q,~.~.LI'lniAr..._ l,45L Sq FI 1.836 Sq II -9,600 1.736 Sq II . -7,100 1,488. sq.fl: 1 B",monl & Ilnl.Qld Partial Bernt Partial Bernt Portia1 Bernt: None ,+5,000 Room.B.I,wG,," f4ml.:!.yl\nl/Pen Den/l,lIundfY. \lnf~nhhlld! +2.000 ;_______ /onellonol ~1II1~ _ _. Avenge ~ Average _ . _ Avengll: .. AVIIl:Sgll i-.-- .FI~~lInilCoollni_ _ u I:IlIiI/CA___ E .Rad/None _ +2,000 EIIB/None u. .: +2.000 Ht_.f\ltl1P/CA...:_",l.OIlO l.!nlliY Elllcl,"lll.m. Typica.l. - Typical. Typical. . ~: TypicAl_ :_._. ~!'~i.IC"pnrl 2ClIf_GIU'agll 2CiUGa~llge 2._CIU Gange: 1_Caf.Gllnge:__ta.500. P'leh. P.IIO. nICk. Encl. POJ;/Por porchea +2,000 Deck/pat.io' '~3, 000 pe..c_k._~.onl_y .1, ._+5~O_00_ .~'~~I"'I'I,'le 1Ff/flue _ 1 FhepiaclI. lfea;r;th/l'luQ .. ~ u ..u_ .11_nCl,P,ol,.le,. 5hlld__ None. . ~ tl, 000 fence Noneu! _tl.O(JO~ .~;II:.;;}~:rl:':p'ICI.~~:"~~~~"'"' ~~~;~i~ ~",: $1 600~~~;~i~J.i II 3, 900~=~;~:J.' ~,LII ._.2. J Jl oll;ompllilhl. .........______h... N.t___.D.~5'.~$114,300 NQt____...3.1t_ s .127,900 N.t__...l.~9'._$ 1~1,211 Commenls on 5~IIS Comparlsun (InclUdIng III' !lllljoCI prlJpl/ly's cnmpallblllly III 1118 n.lghoorhood, .ICj:Subject 1ILcofllPat1bltL,,1th.__._ ndghboJ;hOOd .pr:operti8l. 5alu COll1larioon AnalYllh ehOHS a value range .ot .$107.000 ..to $128,000 c ., !rE~ SIJIJ.JEcr I C()MPMIMII E NO. 1 OII..P,le"ndOll. 10/3/78 N/A Sourc., lor prior SolIIS $56,850 I Courthouse Records _~J~~l~ y'~r 01 appraisal CHR . AnalysIs at any elllllnl J~fum.nl 01 sail, opllon. Of IlsIlng 0' lh, S!JhIICI pfUp.fty aM JIlJlySIS 0' Jny prlOf sailS or sulllecl Jnd tllftlpolfablu wllllln anI y,Jf III Ih. dal8 or apprillSJI NOupr.l.Or ulllll wlth.\.n paet year, COMjlAflMIl ~ NO 2 CUMPAllAqLE Ng. L N/A Courthcuee Recorda N/A CouJ;thcuse ReccJ;ds INOICAIID VALUIIV 1A1I1 COMPARIION APPIIO'CII I 120, 000 _ 'NmCATln VAlliE BV INCOME AI'I'llllACII _I'I ^llpllr:,II:rH) 1 ',1111'.,1"" '.',tI~I'1 Hpnl \ IMn . fjlll~~ 11/!1I1 Mllllll1lll1f . S This 1IIJIHilIU! IS 1lI1hlq :x '.n Is' I SllI.jllll tllllllll~II,"1 \. .1IIIII.1IIUII\. 11I~11I1,.I'I;II'j UI (UII,)l1111I15 11',I~,1 !1It1U\\I ~ljlll"ll() COrtlfillltlUII1l8l1l',lI1S ilnd SP'Clflcolllons Condlllons of App,,,,,,1 'fl>e prOpllrty haa been appraiaed in current ccnditicn. 'l'hh. Ilpprahal. J.s fo!; mortg.ge pllQ>(Jle, only, nontunsferaQ111.. SlIe attacl1ed ,ddllndum, SumnUY_APp~"ha1 Report... 'III,IIII<,nclll'lIon COlt. . and tMrket Jlna1ya1s condetently suppOJ;t my. eet1.rnated .market . value,. GNI.. . Analysis wall found in.pprcpJ;iatll for this analysis. Greatest weight ie applied to the Hllrket Dat.. AnaJ.ysh.. SUPPoJ;tlng fUe .\.nformatlon eublltantJ,etes theee estim.1tes. .~~__ 'h. purpou il' Ihi', appfilSilt II II) ISllmilr. 11111 II1Jrlr.1 valu. of ltlll 11.11 PlllP8lly !halls lilt sllhlecl ul UII5 rCllurl, llils.d on nld allov. cundlllllns ill1d lhe cdllllle,Ulon, conlin gill I I IWI) IIIIMAII "II MARUI VAlUI. AI DEfiNED. 01 11I1 RIAL PIIOIERIY IIIAr II "II 1111 r Of "1I1~A& Of January 6, 1~97.._ tWlIlCII II 11I1 OAII Of INIPIC"ON ANII "IE "'tCIIVE DAlE Of "III RIPORII I I 120, OOO~ APlRA'IIR. ,- SU'ER APPRAllERtDNLYlfR OlD) ...;...J.-. ~Iinahue A..~,..1' /_:\.:.:.( .1.'_. Slyn,lllItll _ ~\.,...o-V r - (/ I X]Old r -jOldNIJI "'OIl DI.'IN!: OILL ".1111' STEVEN W. BARIlJ;TT.,SllA.SRPA InsPICIP,op"", ~.I~ A"pOrl 'iIVn.d Jenuaty 15, 1997 110lltlllllllflfl Hlynod January 15, 1~97 10111 l..r1tllr.illlnn' RJ,-001579-L SI,lIlt PA St.1Io r:lltllllC.1llon IG^-000298-I, Orgl""I!c"n~If' SI.Ue n!S1.1l1l1Ir~RB-026921-A IllddlllhGluun 101 ~J lJel1 Srdl' 5l.UI P.\ . 1'_1,1201/ I'M',uMnl'JliM 1004(6 91) 'ill1un W Ihlll'lllli'lll n'll (/111 '11 ~~~6 FileNo. 91-1012 . . "-,, AD.!!!J!l!.~~L, cqMP.AI!~/!!'!L.__ .1'/1'."' Lin~-X,-Il!m?IIi~ . ._____..___.__.__.._ __._ _ ____.______. .______. .!!!R!'I[M~!!!L.Un.h~~U~\I!Il_!l!!!!!l.______._..__________.. _._____ _____..._ ..__. _.__ __________ ~1!L!;:!l!li!l!~_______.Cou~iy__c;:"""?el!:L..t1d._ ._____._ SI'I'__ PA ..._ ___.. ____....zlp~~d.__.l.10!~__._______ ton,,, Inlin NclCninht' Hunhea Attu. _...Jl!.M_______1__.~U.BJ!~r.___.. ... _.. . _~OMPARABl! NO. _ ._. . .___ COMI'AAABl! NO 6. ______.____~OMPAI1ABl!..~~"L___ 1142 Peteraburll Road 1032 Peteraburg Road Add".. Carlisle Cadisle _~~:~,%;'~S~bl'~I-: ~=:~~----~'i~.~..;~.-'!!+.:L""~I/.1 . 900~~"""""~":"''''''''] .:..-=--:_===-= ".:~''-:'--=~:.:''''=:'-1~:=----- i!~;"Ir~~I:LI':Ar;;::: '===:_/I~ S'''-:_.-64:38_1~1~'~Jj'ii~:~::= '---:-::'::-=-~_I~r".."::::== ':.-===-:::::..IAT""-.'--: Oarund/of Inap8ction Courthouse Record&!' )'!!!tlc~lIo~~o~~c~~_.__.. '.___n__.. ._~_.._._~. Appr~i.~r'..,._p.l:!.._~_____ ____...___ ... ____nO __..__ .Y~.~~ .A.!?~~!!M~_N!~_ .__Q!.~.~~!!!!9.~...._.. ____ OE5~RIPT_ION .0..', t!) IAdJu.I,"~"I_ -__~~~~IIW!I~N__._r_!.U~~..!~~~_ _Q~~~~!e~t~N.___r~ll.!~lllll~1 51111 Of FInancIng None, Cony : I I Co"...lonl DON Unknown i I ---.----- - -, .-.------ I _Q!I~!I_~.I.lrlm. __ ~Lm1-__. 8/96 ___ i- ._ _h. _'m __.___._u___I----~- lOClllon Suburban Suburban I I I -L;;;;;;~I;~!!ji,;;~i~-~ '~!~~~~"'_:. F.._S~~~..:.i...:-:~::=:~:::== ==-::::=~=I..:=I - SII' . _ _"7~.~/~!g,._ ,67._~/l!vg'__i--------------- _____, YI.~____ ___ R!~~IC:;Q~nt~y !\AI~<l/c;:ount;ry:______ ______._.~__.. ..1 ]!!iin_!MA'pp..I_ JlPHt-Ll'~l!!V~t;Q!YI~.,.g,i_ ---- _____1 --( ]i;II~" ~onIlrU~lon..t;.!~::~~==~;'!~:~~~=_:=!==-=f-_--=-_::--i ---'=1 .s~ndlllon.__~.JI'er!g.!.._ ~'!'!I!..g'!---i I AboVIGradl _!~~r-~'!l!...,...~~!II,--- _.!~I~I_l_~,lllLr-nll~~_.1 --1~~[\!It!!~,..!!I_~L-1 !~!!!-~~RII/l1 _1 Room Counl 7 13 12.5 5 1 3 11.5 I +2 000 I 1 1 I 1 I ~r~~~i~r.._ J,d~t==5~~~ j;j?8__=6q.!i..-i__:!'~:m _____:5q!J j___.=~ S'l:1~_I__ ~::.""~:I:~lal,I.~~d_ ;::l;~~~:: .~~~~n~:'~:<l.J___~~ L50g i ! l!!!'!!~~.LI!IIILIy__ .~,!!!!..g.!...____ ~v...~..gfl.__.__(____ --- -----_____( I ~::;~~I;~:.:JI!~._ j~f~l _-= j~f~~l~Qt1=:~=_ +~l_l!= =-=-=-===1 t- ~::;~:~;~.!~~k- ~n~i~p~:i:~~ ~~i: F.miiy--I-!~: m----.--.... ! ---- '---1- ~'-'PI~C1-'.'''.___U!, lr!~,,_____ ~oc;>m/r!u...l!'c;>l_. __________________..!___ _________ Fin". Pool. ",. Shed None '+1 000: 1 ----------.--- --...+-.-.---.- ----..- __~._.___u....u.!._ _+__f,...... ------.--....- ..-.....-.1-- ..j _ ': I ::I:~~I~~II;~'- . ~~~~_____. :F~ifr:r~-.-~~::-~:': g!.i:~-:~]J~:-~ :~.~u- OIl..P,I,"n, 011. 10/3/78 Soutel fOf prIor IlIIS $ 5', 850 withIn lJllf or Inprll,.1 CHR !llm~W lIlU1!1l1t'lllIlllt f1ll)1tlSl48 , . B..,ow."CII.nl 1"r_'I~ AdtJ,... CU~ LltIlder 'W.13A 1.'4 SKETCH ADDENDUM L!!!!I!LL....litlYD~R______.___ _ ____ ___ illU~!!r!!!!!!r&.Jl.!!,,'l_.._....__..... -.______ --- - .-. . ----- c. r 1 tUG COuntr_-.!!Y!!I!!!!r.l!!!!!!_______~I.I._._!.^____.__ IrJdn.J!c!tn l&!!~l & J!!!Rl!es_..^t ~y, .___ . J.\ ,.; , E ,,~\ P..., <...~ -.. ...._.-\..+.-... f ' I i -:h c::. r. ,. I' ~ r .." ~ '-' I~ 'u . :J .1 "1' -ro)o _- _t ___ ,__ \~J l II ;l. \ . i , , . ~~;~,":I \\'1) I\.. \ 'h,d' T- ;, I ~ -"''tl\1_I~ ;"(-~-U \(.,1-''- .~ '1 . ,,- ."" ~I ..:' 3" :.:.. ~ :z. 'll'" I" I I '( ~ '\ pm rt'1 lOeo 'onna.ntJ 't\t)rmll Inr.. :)11\ WI\IIfUtV Ave, ~jC'N "!lvon, cr Oft~'l All Fllrlhln ntlllurv.d '(1100) '~3.4",la 9'1-.. ...1- I .\ I I \, ~\"- II -1 "'J. R. --..\-- +-t\ I..' 11 ,(- ~ '- \1- , " (, 'I'/ ~ l/ (. ;(" II .-. '( . \ 'I !111m- 112f)(){) S. W. BARRETT REAL ESTATI~ APIIRAISAL SERVICES BorrOwer/Cllenl Property Address CMy Lender ,.."etn K. SNYnP.R 1142 PetenllllrR Road CarlIsle County Cumherland Irwin, McKnight & Ih'RheR Atty. Zip Code 170 II Stal" PA APPRAlSAL AOOF:NOUM SPECIAl. CONOITIONS Th. rollowln, chrchd lIems Iflspeclfic _peel II cOfllHliMllh.1 were \.Irnlln'll by this IJlPflhrr Il1In"ll"r hUpt'L't1nn nr the IUhJtc. prllIWI1Y, Ih, CIYllp,,..h1, nlll, and lhelr nel.hbotitoclll. .ntlloCltlons. Unlello,herwllc nored. Ihe (,('l'lIlIllnnII1l3111'11')' It) Ihe luhJrcl prnrl:J1)' I" Ihe l'l)mplHlhlu UItJ IX) NOT "'':1;1111. mllbl value",lh. rUlme m....ct.hllil)' ",rlhe luhjrCll'rnpcr1Y hell'll 'rf"'llwl, 'lhl,11 nul I h..llt in1ptL'llnn auviL',. '1111, I, In 1l11lJfllIIllIIlHllimat' nlllhl vllu,. 0 1.) rr! 2.) [/3.) 0 4.) 0 5.) rJ 6.) ~ 7.) S.) 0 9.) 0 10.) 0 11.) 0 12.) 0 13.) n 14.) [] 15.) r/16,) [/17.) [] IS.) [] 19.) Ll 20.) [] 21.) 11 12.\ [I 21) rl 24.) L~25.) r -1 26.) [' ] 27.\ r~2R) [1,29.\ r{"30.) [1 31.) - 1- nare TIle suhjeclls locute,1 III a rumlureulllld b les.s 1111I11 2~% hulll up. 11,ls cUl\llitlllU Is lypkn1 nud cllInmon Cor the aren allll roES NOT uCCeCllhe murk,:1 vu1ne or CorInre mnrkelnhllity oC Ihe suhlect. Cnmmerclnlflndn~trlnl use~ ,'re localed wilhln Ihe suhjc<'l's nclghlxlrhrnl<l. These uses nre Iyplcul oC slmllnr nelghhnrhOOlls and 00 NOT nrCecllhe mnrkel value or fulure markelnhllily of Ihe suhjeclproperty. Vacanl nnd nndeve10ped luud use~ nre localed wlthllllhe suhleet's nelghll<lfhood. The~e uses ure Iyplcnl Cor Ihe nreannd ()() NOT uCCecllhe mlllkel vulne or fUlure mnrkeluhlllty oC the snhleclproperly. The pre,lomlnunl vnlue Inlhe nelghhnrhood Is less lImn thnl oC the mnrket vulne of Ihe snhjecl properly. TIlls Is due 10 Ihe very wide mnge of vn1ue of pmperlles In the nren 1II111 superior 'luulllY of Ihe suhjecl properly. 11,ls ellllllitlon lJOES NOr affecllhe mnrkel vn1ue of Ihe ~uhjecl or lis fUlure mnrkelnhllily. The suhjecl pmperty Is locnled In n F.E.M.A. hlentlfied Roml Zone. TI,is eon,lillon nOES NOT nCfcellhe mnrkel vn1ue or f'lIure markelnhlllly IIf Ihe suhjeel whell nood insurance coverugc is relJulred. Flood Insnrnllee Is suggested. nampness I~ nOled Inlhe hasemenl of the suhjecl. TIlls condillonls considered typieol in dwellings of Ihl~ style und roES NOT affect mnrke.1 vulue or Ihe CUlnre mnrke'uhllilY of Ihe suhjccl. Stundlng or nmning wnler wus nOlll'e~enl on hasemenl noor. The suhjecl pmperly Is serviced hy prlvule well ,/ This does notuffect roarkel value or fntnre markelohilily. The suhjCCI is ohler than five (~) years old. All mechnulcu1 ~y~tems illchuling Ihe healing, e1eclrlcul and plnmhlng sySlems appear npon a vlsnal exlerlor inspectlollto he in working order. No walTunties ure implied In Ihis Slalemeul. Repair item~ were no led In Ihe eommenlS section of Ihe reporl. These commenlS on repair item~ nre for descrlplive purposes only und are not l'C1]nired repnlrs. The repuir i'ems II~ted ure cosmetic in nOlure ulld no NOT nffeclthe murket vnlne or flllure markeluhllllY of the snhiecl properly. The hasemeal noor Is a dirl noor. This condition i~ commollaud Iypicul Cor the Iltea und nOES NOT affecllhe murkel vulue or Culure mnrkelahilily of Ihe ~uhjecl. The presence of n dirl nom roES NOT pOle n heulth or sufely hozard. The suhjcct property does cOIllnln funclionnl ohsole~cence ns noted inlhe reporl. This cOlldllion is con~idere,llypicaland common for the area and this ~Iyle dwelling and roES NOT uCfecllhe markel volue or fntnre murkeluhllity of Ihe suhjecl property. TIle land vulne exceeds 30% of IOlul value due to the high demalldforvacautlnn.linlhisaelghhnrhood.This condition Is considered common and Iyplcal Cor Ihe neighhnrhmllland nOES NOT nCCeclthe mnrkel vnlue or fulUre markeluhillly of Ihe suhjeCl. The land value exceeds 3()% of 10ln1 vn1ue. This Is due 10 Ihe lorge size oC Ihe site. This condilion is considered to he typical and common nnd nOES NOT afCecllhe market vnlue or fulure murketohilil)' of Ihe suhjecl. Individuuludjustmenls wcre relJuired Ihal exceed I ~%. These udjuslmeuls were relJuired due to luck of more similnr comparahle.s on Ihnl individunl ruling. Alllhree compurahles ure Ihe BEST A V AILABJ.E. 'fola1 adju~tmenls exceed 2~%. This is due to Ihe lu,k oC cOlllpurahle snle~ Ihnl were more similur in the ~uhjecl's markel nl'Ca. Alllhree compurahlcs are the BEST A V A1LAnLE. One or IIInre compamhle snles arc ohler Ihan six (6) 1II01llhs ohl. Al'hongh Ihere are comparah1e propcrlies in Ihe suhjecl's ureu. nOlle huve soh I rccemIY.lhereCore, sales in excess of sls (6) lIIomhs ohl have 10 he used. Alllhree eompnmhles use" were Ihe BEST A V A1LABLE. One or mnre comparuhles used were in excess of one (I) mile frolll sulijecl prorcrly. Although Ihere ure comparnh1e properties in the immedi3le nrea, none have sold rceenlly. Therefore, il was necessary 10 use comparahle sales oUlside of Ihe Imme,liale uren. All comparuhles used arc locnled In simi10r neighhlllhol.1s nnd wilhlnlhe same marketing area. All Ihree compnrahles used were Ihe BEST A V AILABLE. The elcclrlcu1 sy~tem was uol conuecled during inspecllon. The waler ~erviee wns 1101 connected during In.'pcction. The healing sy~lem wa.s .shul down dUllng inspecllon. Roofing Plllmhlng____Electrlcul__lIea'ing--- ccrtlficnllon Is sllggesled. In)l,rc'tlncl ~wimmini! ponl ,0111 hllildinp'~ inc1l1lll'fl .' nol incltule(1 klhkrs guiddillt:s. Acwnling 10 lendcrs ~lIide"nes a o""lmum oC _.____ acrcs were conslderell for this valU3Iion. Relllnining acreage was given no value. The suhiecl properly is loc:ucd on n privale rond. Woo,llnfe~lnlion inspecllon is suggesled. !.usl recorde,l dee,llrunsfer: nUle L'~':__' Conslderallon: $-,--,--/. ,..' ..' Itroposcll cnnslruclion!rennvlIlinn in Ilccorclancc 10 plans anti spccificalions III he completetl in a workmnn.lik~ mnnn~r. Seller i.s paying pnrl or all of closing costs. This nOES NOT affertlhe markel vallie or fntllre mnrkelahilily of Ihe subjecl. All cnmparuhle salc.' nre verifk<l closed sa'es. There are no special contlitinns or other requiremenls Ihat wOllld aflect market vallie or flltllre markelahilily in Ihis Ap- praisal Report. Olher: _.__..___.__ ___ ____._________. und septic _/_ syslems which Is commou for Ihe nrea. necordlag 10 (i'" ~/ i __._LJ .c",-,_\!.:,'!'j_. - ';7"' ..-- ~ _ S~~ 15-ft- Appr:lI,er Re.iClv Appraiser DEFJNITION OF MARKET VALUE: Tho mo" p,oblblo p,lce which. p,opo,ty .hollld b,lng In I compotltlvo Ind opln ml,kll undl' ItI condition. ,"qul.lto 10 I '"I' .110. Ihe buye, Ind .otlo,. eech octlng p,udenlly. knowledgllbly Ind Illuming Ihe p,lcI I. nol IlIlClld by unduo .tlmulu.. Impllcll In thl. dellnlllon I. Iho con.ummlllon a' I 1111 II 0' I ,plclllld dlto Ind Ihl pilling 0' 11110 ',om '0110' to buyo, lindo, condition. who,oby: (I) bllye, Ind ..III' orl Iyplcllly motlvllod; (2) bolh portlll oro woll In'o,mod 0' woll odvl.od. ond ooch ocllng In whol ho con.ldo" hi. own bo,' Inlo'lIl; (3) I 'olloneblo tlmo I. ollowod '0' expo.II'O In Iho opon mo,kol; (4) peymonll. modo In lo,m. a' cllh In U.S. dollo" 0' In le,m. 0' Ilnonclol o"ongomonl. compo,oblo Iho,olo; ond I~) Iho p,lco ,op,o.onl. Iho norm.1 conllderallon tor tho proporty aold unnlfoctod by Ipociol or CrOl1llvD Ilnnncing or aolol cantonlo",' Olonlod by onyone o..oclolod with Iho 1110. 'Adjultmont. 10 the comparablol mllllt ho modo lor .paclnl 01 c'oollvo IInnnclno or UIDII cancanlo"" No adjustmenll .'8 nOCOIl8'V lor tholO COlli which oro norm oily pold by 1011011 nil 0 waul! 01 undlllan 01 low In 0 markol 8r08; the'l COlli .,0 rosdlly IdonlUlablo ,lncD tho 11t.llor pnye Ihoao coala In vlrtunlly nil aololl "Dnuellon.. Spoclal Of c,.,allve flnlnclno .dlullmon.a can ho modo 10 tho compornblo proporfv by comparison. 10 'I"onelng lerms olfolod by . third portV Inllllullon.1 londor thol II nol ahoody Involved In tho proportv or Iransaellon. AnV adlullmenl Ihould nol be caleulatod on 8 mochanlcal dollar for dollnr cost of Iho finAnclng or concolllonl bUI tho dollar ,mounl 0' InV 8djullment Ihould approlllmBts tho ml1rkol'l foncllon to Iho flnnnclng or conconlonl huod on Ihe .pp,ol..,'. Judgmont, STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: Tho opprolso,'s co,lIl1collon Iholoppoe" In Iho opp,ol.ol ,opo,' I. .ublocllo Iho 'allowing condlllon. t. Tho epp,ol.., will nol bo ,esponslblo '0' mollo" a' 0 10001 nolu,o Ihol altocl oltho, th. p,opo,ly bolng oPP,ol.od 0' Iho 11110 10 II. Tho opp,ol.o, o..umo. Ihol Iho 11110 Is oood nnd m.,kolnblo ond. thn,o'o,o, will nol 'on do, ony opinion. oboullhe 11110. Tho p,operty I. o.p,ol.od on tho bosl. 0111 bulno undo, ,espon.lblo owno,shlp. 2. Tho opp,ol.o, h.. p,ovldod a .kotch In Iho Ipp,ol..1 ,0po,1 10 .how opp,o,lmalo dlmon.lon. 01 tho Imp,ovemonl. ond Iho .kotch Is Includod only 10 0..1.1 Iho 'oado' 0' Iha ropo,1 In vl.uollllno Iho p,opo,ty and undo"londlog tho epp,ol.o,', dnlo,mlnollon 01111 .llO. 3. Tho app,olso, hoo oxomlnud Iho ovolloblo IIood mop. Ihol 0'0 p,ovldud by Iho Fodo'ol Emo'ooncy Monooomonl Aooncy (0' otho, dolo .ou,co.) ond ho. nOlod In Iho npp,ol.ol ,0po,1 whnlho, Iho slIblocl .110 Is locotod In on Identlfiod Spnclal Flood Uszord Aroo. Bocnuso tho oPPflllsor is nol n IlJrvnyor, ho or aha mnkos no ouorantool, 811proll or ImpHod, rogardlng this dolermlnnllon. 4. The apprallOr will not glvo tsstlmonv or appoor In courl bocAuse ho or aha modo an appraiSAl or Ihe property In quostion, unlen speclllc arranoemonlsto do so havB boon modo boforohand. S. Tho oppralsor has estimated the valuo of tho land In tho cost approach ilt its hlghost and besl use and tho Improvoments at Ihelr contributory voluo, Tho seporalo valualions of Iho land and Improvoments must not be used In conlunclion wllh any other appraisal and aro Invalid IIlhey aro so ul$od 6. Tho appraiser has noted In tho appraIsal report any adverse conditions (such as, ncedod ropalrs, dopreciatlon. the presonce 01 hazardous waltBs, toxIc lubllonces, Ole,) observod during tho Inspoctlon of tho subjocl property or thlll he or she bocome aware of during tho normal re50llrch Involvod In performlno lho appraisal. Union olherwlle Itatod In the appraisal report, tho appraiser htu no knowledge of any hidden or unappnrent conditions of tho property or edverse onvlronmental conditions (Including the presonee of haznrdous wallOS, tOllie substancos, etc.) that would make lho proporty more or less valuable, and hu assumod thol thoro ora no such conditions and makOl no guaranloes or warranllos, ellpross or Impllod, rogardlng tho condlllon 01 tho proporty. Tho appraiser will not be relponslble for any such conditions thai do elllst or for ony onglnoorlno or tosllng Ihat might be requlrod to discover whelher luch conditions oxlsl. BoeAuse tho appraiser Is not an ellporl In Ihe Iiold of envlronmentsl hSlBrds, the appraisal roport must not bo considored as an envIronmental osso!Sl\monl of tho property, 7. The apprnlsor obtained the Information, estimates, and opinions thai wore oxproBSod In Ihe appraiul report from lources that he or she considers to bo reUablo and bellevos Ihom 10 ho truo and correct Tho appraiser doos not assume responsibility lor tho accuracy of such iloms that wero furnished bi' athor partios, 8. Tho appraisor will nol disclose tho con fonts of tho npptillsn' roporl oxcept 05 provided for In tho Uniform Standa,ds at P,o'o..lonol App,olsal P,octlco. Q Thll nnrrnlsiH hn~ hn~orl his or hor oppraisal roport nnd vnlunllon conclusion for nn appraisal Ihat Is sublect 10 sn1islllctorv complullon, rllplllr~, or nltnr,lllonr, Oil tho d',:,lilllpll<iJI 111.11 u!IJlpll'tinn of rho irnprovomont!l will ha performod In n workmanliko monnor 10, The appraller must provide his or hor prior wrillon r.ons~nt hoforo tho landor/clienl spoelllod In Ihe appraisal report cnn distrlhufo the appralsnl roport (including r:oncluslons nhoul tho proporty valuo, Iho apprnlsor'a IcfonUty and profosslonal doslnnallons, And roforenc05 to any pro'oulonal nppralsl11 oronnizaUons or tho firm with which Ihe apptalsor Is associated) 10 anyono othor than tho borrowor; Iho morlgllgeo or lis '!lCCouors nnd onions; Iho mortgago Insuror; consullonls; pro'ouionilt npprnlsal organizations; any statn or IllcJornlly npprovod financial inslllutlon; or any department, ogency, or Ins!rumontallly of tho United Slalos or nny slolo or tho Olslrict of Columbia; sllcopl !hal Ihe lender/cUonl may distribute Iho property descrIption socllon 01 Iho roport only to data coUocllon or reporllng I8rvlcl(s) wllhoUf having 10 oblllin Ihe appralsor's prior wrlllon consonl .Tho appraiser's wrlnon consenl and opp,ovol mull olso bo obrolnod belo,o Iho opp,ol.ol can bo convoyod hy anyono to tho public Ih,ough adva,tl.lng. public rolaUon5, news, salas, or other madla fll"dl. M.c fo,m 430 6-03 PallO I 01 ~ f.nOlo Mae Fo,m 10048 6.93 fll' No. 96-1012 '. . APPRAISER'S CERTIFlCA1'ION: Th. App"l..r c.,llIlo. "nd '0"" that: 1. I hive r....rch.d the subject markot .rOD and hllvo solectod . minimum of throe roconl 10101 of proporUn mOl' ilmllar .nd proxlmalo 10 Ihe lublocl proporlv lor con.ldornllon In the 1.101 comporl.on enolv.11 .nd h.vo m.d. . doll., .dlu.tm.nt wh.n .pproprlllo 10 rolllol tho mlrkot rOlcllon 10 Iholo 111m. 01 Ilonlllclnt vorllllon. II I Ilgnlllcant 110m In a con'p""blo proportv II .uporlor to. or mora Ilvorlblo thon, tho .uhlocl proportv. I hlvo modI I nlglllvl Idjullmonllo roduco Ihl Idlu,lod .110. prlco 01 Iho complrlblo Ind. II I Ilonlllclnt 111m In I comporohll properly II In,.,lor to, or 1011 rovorabl. than tho subloct propony. I havo modo 0 posltivo odJualmonl 10 locroB50 tho IdlulIOd 11101 prlco 01 tho comperehlo. 2, t havo laken Inlo co".ldoratlon tho rncto'l thot havQ on impact on voluo In my dovolopmonl 0' the elUmfJlo 0' mlrkol vllue In the Ipprll.11 reporl. I hIve nol knowlnolv wllhhold Inv ,Ionlllcont Inlormlllon Irc.ll Iho Ipprollll ,eport Ind I bellove, 10 tho beal of my knowlodoo, thai 011 lStolomonla nnd in'ormollon in tho appraisal roport or. true Bnd co"ocl. 3, I ,'nted In the lIIpprall8l roport only my own porsonsl, unblsaod, and proloulonol onalYlla, opinions, Bnd conclu.lon.. which Irl lubjocl only to tho conllnoonllnd IImlllno condition. .poelllod In Ihl.lorm. 4. I hlvo no prOlenl or prolpoctlvo InllrOlI In tho proportv Ihol I. Ihl lubloct 10 Ihl. roport, ond I havo no pro,ont or prolpocllvl pI..onll Inlore.1 or bl.. wllh roo pIC I to Iha portlclponts In Iho Uln.ocllon. I did nol bOle, althlr pllllllly or complllllV, mv Inllv.11 Ind/or Iho ..lImlto 01 morkot vllue In tho Ipprll'al roporl on tho rIel. color, rollolon. '"'. hlndlclp, Ilmlllal IIIIIJI. or nlllonll orloln 01 olthor thl prooplctlvo ow no," or occuplnll 01 Iho lublecl proper IV or ollhl prOlonl ownl.. or occuplnll 01 Iha prop.,IIooln tho vlclnllv 01 tha lubloct proporlv. 5. I hsvs no prelOnt or contemplstod fUlurs intorost In tho subject property, Dnd nollher m)' curront or futuro omplovmont nor my componllllon lor porlo,mlno Ihl. opprol..1 I. contlnOlnl on tho Ipprllsed vlluo 01 tho proportv. 6. I WBlS not required 10 report a predetermined volue or dlrocllon in volllo that fBvors tho couse of the client or anv rolated party, tho amount of tho valuu ustlmata, tho attainment of (J spacUlc rosull, or the occurronce of 8 subsoquent ovont In ordor to rncolvo my componsollon and/or omploymnnt far porrormlng Iho appralasl. I did not bale tho appralsol roport on B requoe'od minimum vnlunllon, n spoclllc vnluollan, or rho nood 10 approva a epecUlc mortgage 101ln. 7. I porlormod this appraisal In cO,'formlty wllh tho Uniform Srandards 01 Protoaalonnl Appralsol Practlco thaI wore adopted and promulgated by tho Appraisal SllIlldotds Board 01 Tho Appralsnl Foundation nnd that wore In placo as of Iho o"oc!lve date of Ihls appralaol, wilh the OllcopUon of Iho doparturo provision of those Slandards, which doos nol apply. I acknowledgo that an oltlmlte of 0 rOBSonablo limo for ollposure In tho open market Is a condlllon In Ihl dollnltlon of mlrkot vlluo and thl oOllmlto I dovolopod I. con.I.lont wllh tho mlrklllno limo nOlod In Ihl nolohborhood lIe lion 01 thl, rlpOrl, unloll I hlvo otherwise lIotod In tho roconclllollon .ocllon. 8. I hovo plr.onlllv Inlpoclod Iha Intorlor ond oxlerlor orool ollho .ubloct proporlv and Iho axlorlor 01 III proporllo, listed 81 comparables in tho appraisal roport. I furlher certlly rhot I havo nolod any apparent or known advorse condlllon. In tho lubloct Improvamonll, on tho .ublocl .111. or on anv ,Ito within Iha Immodllto vlclnltv 01 tho lubject property of whIch I am aware and have modo adjustmonts for tho so advene conditions In my analysis or thlli property valuo 10 the olClenl that I had markel evidonco 10 support thorn, I hove also commented aboul the """cl ollho odvo..e condlllonl on tho markolobllltV 01 Iho '"blocl proporlv. 9. I personally prepared 811 conclusIons and opinIons about Iho roal oslate that were sol forlh In tho apprainl roport. " I rollod on .Ionlllclnl proloSllonl1 1..I.tlnoo Irom Inv Indlvlduol or Indlvlduol. In Iho porlormlnca 01 tho appraisal or tho proparolion of tho appraisal report, I hnve nnmod such Indlvlduol(s) and dlsclosod tho specific la&ks performod by Ihom In Iho reconciliation sDction of this appraisal roport. I cartify that any Individual so namod is qualified to perrorm the lasks. I havo not Buthorllod anyone to make a chango 10 Bny 110m in lho report; therefore, II In unluthorlzld changll. mada to Iha Ippral.o' roporl. I will toko no ro'pon,lbilllV lor II SUPERVISORY APPRAISER'S CERTIFICATION :110 s"porvlsorv approl.or ,Ionodlholpprll.al raporl. hoor .ho clrllllo. Ind "or"", Ihlt: I dlrlctlv .uparvl,a tha Ipprll.or who p,oporod tho opprAI,a' reporl, hovo revlowld tha approl.al reporl, agree with the stalemonls and conclusIons or tho appraisor, agree to bo hound by Iho appraiser's certillcllllons numbered" Ihrough 7 IlIbovo, and am laking lull responsibility for tho nppralsal and the nppraisal report. ADDRESS OF PROPERTY APPRAISeD: 1142 Petersburg Road APPRAISER: :o~~,~aR?;~:;Jl~~roq~I'If: N.lm. STEVEN W. _ BARRETT, SRA, SRPA . O.105inn8l1 January 15, .1997 51.1. C"III,,"oo I GA-000298-L or 51". lIr.noOB I RB-026921-A ___.__ SI'" p"..._ __._________._..._._ E,plralio. OJI. .1 C"IIII"lIo. or lies." _6nQ/~7.__ I x I Old I I Olrl Nol'.,peel Properly 510.""10 ........O-"A~~"'....t.....-. N.m" DIANE GILL O.,.Slno.d' ._ Januaryl5, ...1.997 _ SI,'e CerllllClllo. I RL-001579-L or Slate lIr.enu I: _ p..... ... ._.u._.__._ SIIle: .__~I\_~___.__ ..__._._______.. __.__.____~_ hplr"lo. 0"1 01 C,"l1le.llo. or lIce.1I . 6/3QI ~7 Friddle Mar. Form 439 6.93 paoo ~ 01 ~ F'nnlo Mas form 10048 6.93 5la~u W fllllr.;! Aul hllll Illl1241 66~1I