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I :(',i t' !j'fl'L' " ) '" i i ~ ,1\ " , " ','j' , '!1 ,'1 'I '" ,\ i , "I ,'" , i,';I', "I " ," ; " " \' 'I '" , 'I, " ) '["'- :,il',.- ,fl-;I'.i -, ,P, ,';,':,,!,t- ,I ,", " ' , " ".....,-,;1 ' ".-'!tj~'(d'JL. '," i,ll":!':'\" .,:/ \11'" Ii' , ' 1,"\",1 " 'I, " I II' ,ii' I"~ ",' , , ," \, " " ,i! " " " II' " '1. i" " :1, 'I It- '. H' II i,"" " ! ,; , '\1 " , " ,I " , I",i ','1 "i\1 , ~'I ' 1"",1/', Iq'l , ,', '" ,!', , ' ,,' " , , " ! ,I " I " 'i'll' "-'I ,'II !'I ,I, ,,' ,,' q 'I ':;1,';" , "I.: , '", " " '\\ :1/ . \:,1,1,' I." " '1'1.,',':1 II' 'II "d', " " , ", ,,' 'J " , ,:'1 , , ,I' Ii' 'I' , " " ,I' 'I. ; ,:'~: 'iI, , " , , " " " ;1 ,,1\ Il.!l r " ,::If I, , ,i'; , ";1, ,,' I' 'I, ',l,1 ;:.," ,{ "jl \ ' , .1"" , 'II 'I' , 'II . smk/keller,spsa/2,10,98 , , WRIAGB SB'l'Tt.EHBNT AGRBBMBNT 11 .". -.-l THIS AGRIBMBN'l' Made this day of t6t"~~.~ ' 1998, by and between is made and entered into between ~ eresa C. Keller (hereinafter referred to as "Wife") and David R. Keller (hereinafter referred to as "Huaband"), WITNESSETHt WHEREAS, Husband and Wife were lawfully married on August 12, 1978r and WHEREAS, four children were born of Rachel E, Keller, born July 22, 19801 September 23, 1982, Jennifer C, Keller, Justin D, Keller, born February 15, 19881 this marriage, namely, Laura M, Keller, born born June 1, 1985 and and WHEREAS, certain differences have arisen between the parties as a result of which they have separated and now live separate and apart from one another, and are desirous of settling fully and finally their respective financial and property rights and obligations as between each other, including, without limitation by specification: the settling of all matters between them relating to the past, present and future support and/or maintenance of Wife by Husband or of Husband by Wi fe 1 and in general the settling of any and all claims and possible claims by one against the other or against their respective estates for equitable distribution of all marital property 1 and a resolution of all mutual responsibilities and rights growing out of the marriage relationship 1 and WHEREAS, the parties hereto, after being properly advised by their respective counsel, Husband by his attorney, Max J, Smith, Jr., and Wife by her attorney, Sandra L, Meilton, have come to the following agreement, NOW THEREFORE, in consJ.deration of the above recitals and the following covenants and promises mutually made and mutually to be kept, the parties hel-etofore, intending to be legally bound and to legally bind thei r heirs, successors and assigns thereby, covenant, promise and agree as follows: 1, SEPARATIONt It shall be lawful for each party at all times hereafter to live separate and apart from the other at such place or places as he or she may from time to time choose or deem fit, - 1 - smk/keller,spsa/2,10,98 . , Lincoln Automotive 0001906 $ 278.28 Lincoln Automotive Car Repairs Mortgage on Drexel Hill with Eastern Mortgage Corporation, Loan No, 1577956 Agreement of Sale on 10. s, 24th Street $ 665.94 $92,000.00 $64,322.11 Husband also agrees to pay up to but not more than $2,000,00 on the combined balances on the J.C, Penney Credit Card, account #01059292101 and the Sears Credit Card, account #5484059811688, within thirty (30) days of the execution of this Agreement, Husband agrees to pay the outstanding joint debts as set forth herein and further agrees to indemnify and save Wife harmless from any and all claims and demands made against her by reason of such debts or obligations, Wife agrees to be solely responsible for any debts which she incurred after December 31, 1997 and to indemnify and save Husband harmless from any and all claims and demands made against him by reason of such debts or obligations, 6, MUTUAL RELEASE, Subject to the provisions of this A9reement, each party waives his or her right to alimony and any further distribution of property inasmuch as the parties hereto agree that this Agreement provides for an equitable distribution of their marital property in accordance with the Divorce Code of 1980, Subject to the provisions of this Agreement, each party has released and discharged, and by this Agreement does for himself or herself, and his or her heirs, legal representatives, executors, administrators and assigns, release and discharge the other of and from all causes of action, claims, rights or demands whatsoever rising as a result of the parties' marriage, Each party also waives his or her right to request marital counseling pursuant to 23 Po, C, S, A, Section 3302, 7, EOUITABLE DISTRIBUTION OF MARITAL PROPERTY, The parties have attempted to distribute their marital property in a manner which conforms to the criteria set forth in - 3 - smk/keller,spsa/2~10.9~ 23 Pa,C,S.A, Section 3501 ~. ~, and taking into account the following considerat ions I the length of the marriage, the fact that it is the first marriage for both Husband and Wife, the age, health, station, amount and sources of income, vQcational skills, employability, estate, liabilitiea and needs of each of the parties, the contribution of each party to the education, training or increased earning power of the other partYI t.hF.! opportunity of each party for future acquisitions of capital assets and income, the sources of income of both parties, including but not limited to medical, retirement, insurance or other benefits, the contribution or dissipation of each party in the acquisition, preservation, depreciation or appreciation of the marital property, including the contribut ion of each spouse as a homemaker I the value of the property set apart to each party; the standard of living of the parties established during the marriage I and the economic circumstances of each party at the time the division of property is to become effective, 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 marital property, The division of property under this Agreement shall be in full satisfaction of all marital rights of the parties, A. MARITAL RESIDENCE I The parties acknowledge that they are the owners as tenants by the entireties of certain real property known as 711 Drexel Hill Boulevard, New Cumberland, Cumberland County, Pennsylvania subject to a mortgage with Eastern Mortgage Corporation ("EMC"), Loan No, 1577956, and to a home equity line of credit with Dauphin Deposit Bank and Trust. The parties agree with respect to the marital residence as follows I (1) At the time of the execution of this Agreement, Wife shall execute all documents necessary including a Deed to transfer all of her right, title and interest in the marital residence to Husband subject to the mortgage and line of credit and shall deliver said documents to Husband's counsel who shall deliver the Deed as provided herein, Thereafter, Husband shall be the sole and separate owner of the marital residence, (2) Wife agrees that as of the date of the execution of this Agreement, any and all title policies and any other policy of insurance with respect to the mari tal residence shall be endorsed to reflect Husband as the sole owner thereof and that Husband shall be entitled to receive - 4 - smk/keller,spsa/2:10,9~ any payments now or her~after due under any of such insurance policies. (3) Except as othurwise provided herein commencing on the date of this Agreement, Husband ahall be solely responsible for all costs, oxpenses, and liabilities associated with or attributable to the marital residence regardless of when the same ahall have been incurred including but not limited to, the EMC mortgage, Dauphin Depoait Bank & Trust home equity line of credit, taxes, insut'ance premiums and maintenance and Husband shall keep Wife and her property, successors, asaigns, heirs, executors and administrator indemnified and held harmless from any liability, costs, or expense including attorney's fees, which may be incurred in connection with such liabilities and expenses or resulting from Wife's ownership interest in said property, Husband shall, within ninety (90) days of the date of execution ..:>f this Agreement, take all steps necessary to obtain a new mortgage on the property, sufficient to cover the current mortgage balance and the home equity line of credit with Dauphin Deposit Bank and Trust so as to have Wife completely and fully released of any and all liability she has on the mortgage and the home equity line of credit, B. 10 SOUTH 24TH STREET; The parties acknowledge that on March 29, 1996, they entered into a Sales Agreement to purchase the property located at 10 South 24th Street, Harrisburg, Dauphin County, Pennsylvania (hereinafter "10 South 24th Street"), Said installment sales agreement has a balance of C54, 322 ,11, The parties agree with respect to the 10 South 24 Street as follows; (1) At the time of the execution of this Agreement, Wife shall execute all documents necessary including a Deed to transfer all of her right, title and interest, if any, in 10 South 24th Street to Husband subject to the terms of the sales agreement entered by the parties on March 29, 1996, (2) Wife agrees that, as of the date of the p.xecution of this Agreement, any and all title policies and any other policy of insurance with respect to 10 South 24th Street shall be endorsed to reflect Husband as the sole owner thereof and that Husband shall be entitled to receive any payments now or hereafter dl.le under any of such insurance policies. (3) To the extent of any equitable ownership of 10 South 24th Street, Husband agrees that, pursuant to the said - 5 - smk/keller,spsa/2.10,98 , , installment sales agreement dated March 29, 1996, he is to take title in the year 2002 and thereafter, he shall cause a mortgage on said property to be recorded, A mortgage document shall be prepared and signed by Husband contemporaneously with the execution of this Agreement, held by counsel for Wife, until such time, pursuant to the March, 1996 Agreement of Sale, that Husband's purchase of said real estate at 10 South 24th Street, is made, At that time, the said mortgage shall be recorded, Until such time as the mortgage shall be recorded, Husband shall maintain insurance as described in paragraph 16 of this Agreement as well as commercial fire and liability insurance insuring said property. After recording of the above noted mortgage, insurance shall be maintained as necessary to insure Wife a sufficient lien for payments herein contemplat~d, (4) Husband shall provide immediate notice to Wife when he takes title to the real estate located at 10 South 24th Street, (5) Except as otherwise provided herein c~mmencing on the date of this Agreement, Husband shall be solely responsible for all costs, expenses, and liabilities associated with or attributable to 10 South 24th Street regardless of when the same shall have been incurred including but not limited to, the terms of the installment sales agreement, any mortgages, line of credit, taxes, insurance premiums and maintenance and Husband shall keep Wife and her property, successors, assigns, heirs, executors and administrator indemnif ied and held harmless from any liability, costs, or expense including attorney's fees, which may be incurred in connection with such liabilities and expenses or resulting from Wife's ownership interest in said property. Husband shall, within ninety (90) days of the date of execution of this Agreement, take all steps necessary to obtain and complete the necessary financing to have Wife released from the liability existing under the installment sales agreement referenced above so as to have Wife completely and fully released of any and all liability she has on said sales agreement and any other liens or liabilities incident to the ownership of 10 South 24th Street, C, CASH PAYMENT: Husband agrees to pay wite or to pay Wife'a estate in the event Wife dies prior ,to fulfillment of the requirements of - 6 - smk/keller,spsa/2,10.96 . , this Agreement in consideration for the terms set forth herein the sum of $260,000.00, said payments to be made as follows I (1) $25,000,00 shall be paid immediately upon the signing of this Agreement. To meet this payment, Husband shall issue Gorporate atock certificates to Wife, Wife shall immediately sign said certificates back to Husband in return for which Husband shall deliver simultaneously to Wife a corporate check 1n the amount of $25,000, In the event that there are any tax conaequences to Husband and/or Wife as a result of this transfer, Husband shall be tully liable for those taxes, Husband further agrees to indemnify and save Wife harmless from any and all claims and demands made against her in this regard. (2) The balance of $235,000.00 shall be paid to Wife over a period of 15 years at a rate of 6\ interest in accordance with the amortization schedule attached hereto and markad Exhibit "B", Payments shall be made monthly in accordance with the amortization schedule and shall be due and payable no later than the lOth of each month, (3) To secure his payments, Husband shall give Wife a mortgage on the 711 Drexel Hill Boulevard, New Cumberland, Cumberland County property, the 10 South 24th Street property as provided for in Paragraph 7,B. (3) above, and shall give to Wife an installment J~dgment Note guaranteeing the payments, which Judgment Note shall be in recordable form and shall be recorded simultaneously with the signing of this Agreement, (4) In the event that Husband sells Flooring, Inc" then and in that event, the entire outstanding on the $235,000,00 obligation shall be payable immediately upon the sale of the property. (5) In the event that either party brings a child support action against the other, the parties agree that only the interest portion of Husband's payment shall qualify as income to Wife and that the principal portion of the payment shall not cOllnt as income, Slough balance due and 0, HOUSEHOLD GOODS AND FURNISHING~ Other than as set forth in this Agreement, the parties hereto agree to divide all household goods, furnishings and personal property in accordance with Exhibit "A" attached hereto. Any items not listed on Exhibit "A" shall be retained by the person who has possession of such unnamed personalty. - 7 - smk/keller.spsa/2.10.98 , , E. MOTOR VEHICLES I With respect to the 1988 Dodge Caravan owned by the parties, they agree that said vehicle shall become the sole and exclusive property of Wife, free and clear of liens and encumbrances, Title to the Dodge Caravan shall be executed by the parties, if appropriate, in order to effect the transfer as herein provided, on the date of execution of the Agreement and the title shall be delivered to Wif.e on the distribution date. F, F!NANCIAL ACCOUNTS: The parties acknowledge and agree that they own various financial accounts, none of which are titled in joint names. These accounts shall be distributed to the party in whose name the account is currently held, G, INDIVIDUAL RETIREMENT ACCOUNTS I The parties acknowledge that Husband has an individual retirement account with Smith Barney, account number 724-61414-15 334. The account had an approximate value of $25,950,69 at the time of the parties' separation, The parties agree that Wife shall receive $12,728.80 from that account which shall be transferred to Wife's IRA account with CoreStates Bank, The transfer of funds shall be through the use of a Qualified Domestic Relations Order and the expense incident to the preparation of the Qualified Domestic Relation Order shall be shared equally by the parties, H, SLOUGH FLOORING INC,. PROFIT SHARING PLAN: The parties acknowledge that Husband has a Slough ~ Flooring Inc" Profit Sharing Plan that had an approximate value ,~ of $76,199.33 at the time of the parties' separation, The parties 13 agree that Husband shall transfer 50% of that amount or ~8,699.b05' ;"",\\0,(; from Husband's Slough Flooring Inc" Profit Sharing Plan to Wife's IRA account with CoreStates Bank through the use of a Qualified Domestic Relations Order, The expense incident to the preparation of the Qualified Domestic Relations Order shall be shared equally by the parties, I , SLOUGH FLOORING, INC,: Slough Flooring, Inc, (hereinafter referred to as "Slough") is a business which was acquired during the parties' - 8 - smk/keller,spsa/2,10.9B , ' marriage and is, therefore, marital property. The parties agree with regard to Slough as followsl (1) At the time of execution of this Agreement, Wife shall execute any and all documents necessary to transfer all of her right, title and interest in Slough to Husband. Thereafter, Husband shall be the sole and aeparate owner of Slough. (2) Wife agrees that as of the date of execution of this Agreement, any policY of insurance with respect to Slough shall be endorsed to reflect Husband as sole owner thereof and further agrees that Husband shall be entitled to receive any payments now or hereafter due under any such insurance policies. (3) Except as otherwise provided herein, commencing on the execution date of this Agreement, Husband shall be solely responsible for all costs, expenses and liabilities associated with or attributable to Slough regardless of when the same shall have been incurred and Husband shall keep Wife and her property successors, assigns, heirs, executors and administrators indemnified and held harmless from any liability, costs or expense including attorney's fees, which may be incurred in connection with such liabilities and exp.mses or resulting fro,n Wife's ownership interest in said property. J, RETIREMENT AND OTHER EMPLOYMENT BENEFITSl The parties hereby represent that neither has any separate retirement or other employment benefits other than those listed in this agreement, K, MISCELLANEOUS PROPERTY. Any and all property not specifically addressed herein shall be hereafter owned by t.he party to whom the property is titled, and if untitled, the party in possession, This Agreement shall constitute a sufficient bill of sale to evidence the transfer of any and all rights in such property from each to the other, B. PROPERTY TO HUSBAND, The parties agree that Husband shall own, possess and enjoy, free from any claim of Wife, the property awarded to him by - 9 - Bmk/keller,spsa/2:10.9~ the terms of this Agreement. Wife hereby quitclaims, assigns and conveys to Husband all such property and waives and relinquishes any and all rights thereto, together with any insurance policies covering that property, and any escrow accounts relating to that property, This Agreement shall constitute a sufficient bill of sale to evidence the transfer of any and all rights in such property from Wife to Husband. 9. PROPERTY TO WIFEt The parties agree that Wife shall own, possess and enjoy, free from any claim of Husband, the property awarded to her by the terms of this Agreement, Husband hereby quitclaims, assigns and conveys to Wife all such property and waives and relinquishes any and all rights thereto, together with any insurance policies covering that property, and any escrow accounts relating to that property, This Agreement shall constitute a sufficient bill of sale to evidence the transfer of any and all rights in such property from Husband to Wife, 10. LIABILITY NOT LISTED; Each party represents and warrants to the other that he or she has not incurred any debt, obligation or other liability, other than those described in this Agreement, or for which the other party is or may be liable, A liability not disclosed in this Agreement will be the sole responsibility of the party who has incurred or may hereafter incur it, and such party agrees to pay it as the same shall become due, and to indemnify and hold the other party and his or her property harmless from any and all such debts, obligations and liabilities, 11 , AI,JMONY t Both parties acknowledge and agree that the provisions of this Agreement providing for equitable distribution of marital property are fair, adequate and satisfactory to them and are accepted by them in lieu of and in full and final settlement and satisfaction of any claims or demands that either may now or hereafter have against the other for support, maintenance or alimony, Husband and wife further, voluntarily and intelligently waive and relinquish any right to seek from the other any payment for support or alimony, ' - 10 - smk/keller,spsa/2.10,9B . , 12. I\I/IMONY PENDENTE LITE, COUNSEL FEES. AND EXPENSES t Husband and Wife acknowledge and agree that the provisions of this Agreement providing for the equitable distribution of marital property of the parties are fair, adequate and satisfactory to them, Both parties agree to accept the provisions set forth in this Agreement in lieu of and in full and final settlement and satisfaction of all claims and demands that either may now or hereafter have against the other for alimony pendente lite, counsel fees or expenses or any other provision for their support and maintenance before, during and after the commencement of any proceedings for divorce or annulment between the parties, 13, WARRANTY AS TO FUTURE OBLIGATIONS I Husband and Wife each represents and warrants to the other that he or she will not at any time in the future incur or contract any debt, charge or liability for which the other, the other's legal representati ves, property or estate may be responsible, From the date of execution of this Agreement, each party shall use only those credit cards and accounts for which that party is individually liable and the parties agree to cooperate in closing any remaining accounts which provide for joint liability, Each party hereby agrees to indemnify, save and hold the other and his or her property harmless from any liability, loss, cost or expense whatsoever incurred in the event of breach hereof. 14, TAX LIABI4IIIL The parties believe and agree, that the division of property heretofore made by this Agreement is a non-taxable division of property between co-owners rather than a taxable sale or exchange of such property, Each party promises not to take any position with respect to the adjusted basis of the property assigned to him or her or with respect to any other issue which is incon&istent with the position set forth in the preceding sentence on his or her Federal or State income tax returns, 15, TAX AQ'll~g t Both parties hereby acknowledge and agree that they have had the opportunity to retain their own accountants, certified public accountants, tax advisor, or tax attorney with reference to the tax implications of this Agreement, Further, neither party has been given any tax advice whatsoever by their respective attorneys, Further both parties hereby acknowledge that they have been - 11 - smk/keller.spsa/2.10,98 , . advised, by their respective attorneys, to seek their own independent tax advice by retaining an accountant, certified public accountant, tax attorney, or tax advisor with reference to the tax implications involved in this Agreement. Further, the parties acknowledge and agree that their signatures to this Agreement serve as their acknowledgment that they have read this particular paragraph and have had the opportunity to seek independent tax advice. 16, LIFE INSURANCE I Husband agrees to continue to maintain in full force and effect the present insurance policies on his life issued by MIt ':I~\""/YJ- in the amount of $200,000.00. . In the event that Husband does not have policies in effect at the present time sufficient to cover this obligation, he shall, within thirty (30) days of the signing of this Agreement, obtain such policies, Husband's ownership of said insurance policies shall be subject to the following conditionsl (1) Husband shall maintain the insurance in full force and effect, paying all premiums due thereon and shall not borrow against, assign, pledge, or otherwise encumber the insurance, nor surrender it to obtain its cash value; (2) Husband shall immediately designate Wife, as irrevocable beneficiary of the insurance and his children, Rachel E, Keller, Laura M. Keller, Jennifer C, Keller and Justin D. Keller, as irrevocable alternate beneficiaries and such designation shall remain in place until Husband's obligations under th.i.s Agreement are paid in full. (3) Within thirty (30) days after the execution of this Agreement, Husband shall deliver to Wife or her attorney satisfactory proof that the irrevocable beneCiciary designation has been properly endorsed on each insurance policy and that the insurer has received notice of restrictions placed upon Husband's ownership of the insurance by the terms of this Agreement, The Husband shall also requeat that duplicate premium statements and receipts be mailed by the insurer to Wife, (4) Husband's obligation to maintain said insurance coverage shall end upon satisfaction of the obligations set forth in paragraph 7,C, above, - 12 - smk/keller.spsa/2.10,98 , , 17. INCOME TAX PRIOR RETURNS, The parties have heretofore filed joint federal and state tax returns. Both parties agree that in the event any deficiency in federal, state or local income tax is proposed, or any assessment of any such tax is made against either of them, each will indemnify and hold harmless the other from and against any loss or liability for any such tax deficiency or assessment and any interest, penalty and expense incurred in connection therewith, Such tax, interest, penalty or expense shall be paid solely and entirely by the individual who is finally determined to be the cause of the misrepresentations or failures to disclose the nature and extent of his or her separate income on the aforesaid joint returns, 18. WAIVERS OF CLAIMS AGAINST ESTATESt Except as herein otherwise provided, each party may dispose of his or her property in any way, and each party hereby waives and relinquishes any and all rights he or she may now have or hereafter acquire, under the present. or future laws of any jurisdiction, to share in the property or the estate of the other as a result of the marital relationship, including without limitation, dower, curtesy, statutory allowance, widow's allowance, right to take in intestacy, right to take against the will of the other, and right to act as administrator or executor of the other's estate. Each will, at the request of the other, execute, acknowledge and deliver any and all instruments which may be necessary or advisable to carry into effect this mutual waiver and relinquJshment of all such interests, rights and claims, 19, MUTUAL CONSENT DIVORCE: The parties agree and acknowledge that their marriage is ir.retrievably broken, that they do not desire marital counseling, and that they both consent to the entry of a decree in divorce pursuant to 23 Pa,C,S,A, Section 3301(c), Accordingly, both parties agree to forthwith execute such consents, affidavits, or other documents and to direct their respective attorneys to forthwith file such consents, aff.idavits, or other documents as may be necessary to promptly proceed to obtain a divorce pursuant to said 23 Pa,C,S,A, Section 3301 (c). Upon request, to the extent permitted by law and the applicable Rules of Civil Procedure, the named defendant in such divorce action shall execute any waivers of notice or other waivers necessary to expedite such divorce, It is the intention of the parties that thp. Agreement shall survive any action for divorce which may be instituted or - 13 - Dmk/keller,spsa/2~10,9~ prosecuted by either party and no order, judgment or decree of divorce, temporary, final or permanent, shall affect or modify the financial terms of this Agreement. This Agreement shall be incorporated in but shall not merge into any such judgment or decree of final divorce, but shall be incorporated for the purposes of enforcement only, 20. BREACH AND ENFORCEMENTt If either party breaches any provision of this Agree,ment, the other party shall have the right, at his or her election, to sue for damages for such breach, or seek such other remedies or relief as may be available to him or her, and the party breaching this Agreement shall be responsible for payment of legal fees and costs incurred by the other in enforci.ng his or her rights under this Agreement, 21, ADDITIONAL INSTRl~ENTSI 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, 22. VOLUNTARY EXECUTIONt The provisions of this Agreement and their legal effect have been fully explained to the parties by their respect,ive counsel, and each party acknowledges that the Agreement is fair and equitable, that it J.s being entered into voluntarily, with full knowledge of the assets of both parties, and that it is not the result of any duress or undue influence, The parties acknowledge that they have been furnished with all information relating to the financial affairs of the other which has been requested by each of them or by their respective counsel, 23. ENTIRE AGREEMENT, This Agreement contains the entire understanding of the parties and there are no representations, warranties, covenants or undertakings other than those expressly set forth herein, Husband and Wife acknowledge and agree that the provisions of this Agreement with respect to the distribution and division of marital and separate property are fair, equitable and satisfactory to them based on the length of their marriage and other relevant factors - 14 - smk/keller,spsa/2:10_98 which have besn taken into consideration by the part.\es. Both parties hereby accept the provisions of this Agreement with respect to the division of property in lieu of and in full and final settlement and satisf~ction of all claims and demands that they may now have or hereafter have against the other for equitable distribution of their property by anr court of competent jurisdiction pursuant to 23 Pa,C,S,A, Sect 011 3501 ~. ~ or any other laws. Husband and Wife each voluntarily and intelligently waive and relinquish any right to aeek a court ordered determination and distribution of marital property, but nothing herein contained shall constitute a waiver by either party of dny rights to seek the relief of any court for the purpose of enforcing the provisions of this Agreement, 24, WAIVER OF BENEFICIARY DESIGNATIO~, Unless otherwise specifically set forth in this Agreement, each party hereto specifically waives any and all beneficiary rights in and to any asset, benefit or like program carrying a beneficiary designation which belongs to the other party under the terms of this Agreement including, but not limited to/ pensions and ret irement plans of any sort or nature / deferred compensation plans, life insurance policies, annuities, stock accounts, bank accounts, final pay checks or any other post-death distribution scheme, and each party expressly states that it J.s his and her intention to revoke by the terms of this Agreement any beneficiary designations naming the other which are in effect as of the date of execution of this Agreement, If, and in the event, the other party continues to be named as beneficiary and no alternate beneficiary is otherwise designated, the benef.tciary shall be deemed to be the estate of the deceased party, Notwithstanding the foregoing, however, in the event that either party hereto specifically designates the other party as a beneficiary illll the date of execution of this Agreement, then this waiver provision shall not bar that party from qualifying as such beneficiary, 25. FINANCIAL DISCLOSURE: The parties ccnfirm that they have relied on the completeness and substantial accuracy of the financial disclosure of the other a~ an inducement to the execution of this Agreement, The parties acknowledge that there has been no formal discovery conducted in their pending divorce action and that neither party has filed an inventory and appraisement as required by Section 3505 (b) of the Pennsylvania Divorce Code, Notwithstanding the foregoing / the rights of either party to pursue a claim for equitable distribution, pursuant to the Pennsylvania Divorce Code, - 15 - l>brtgage Table Date 01-20-96 Page 1 ...,... .Pre~ for.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,.,...,.,.,...,. .Pre~reci By.,.,.,.,.,.,.,.,.,.,,. Bandrll L. Meilton l-!EPFOO1), SWARl'Z & t<<>RGAN 111 N. Front St., P.O. Box 699 Harrisburg, PA 17106-0669 (717) 234-4121 Loan Annual l>bnthly Nwnber of First Alrount Int-Rate PaynJ!lnt Payments Payment 236,000.00 6.0000 1,963.06 160 1990/02 Beginning Total lnterest Principal Ending Period Principal Payments Payment Repayment Principal 1996/Feb 235,000.00 1,963.06 1,175.00 608.06 234,191.94 1998;Mar 234,191.94 1,983.06 1,170.96 812.10 233,379.64 1998/Apr 233,379.84 1,983.06 1,166.90 816.16 232,563.68 1998,1May 232,563.68 1,983.06 1,162.62 820.24 231,743.44 1998/Jun 231,743.44 1,983,06 1,156.72 624.34 230,919.10 1996/Jul 230,919,10 1,963.06 1,154.60 828.46 230,090.64 1998/Aug 230,090.64 1,903.06 1,150.45 832.61 229,2fi8.03 1996/Sep 229,256,03 1,963.06 1,146.29 836.77 228,421. 26 1998/Oct 228,421. 26 1,903.06 1,142.11 640.95 227,580.31 1998/Nov 227,580,31 1,963.06 1,137.90 045.16 226,735.15 1996;oec 226,735,15 1,963,06 1,133.66 649.36 225,685.77 1998 235,000.00 21,813,66 12,699.43 9,114.23 225,885.77 1999/Jan 225,865.77 1,983.06 1,129.43 853.63 225,032.14 1999/Feb 225,032,14 1,963.06 1,125.16 657.90 224,174.24 1999;Mar 224,174,24 1,983.06 1,120.67 662.19 223,312.05 1999/Apr 223,312.05 1,963.06 1,116.56 866.50 222,445.55 1999,1May 222,445,55 1,963.06 1,112.23 870.83 221,574.72 1999/Jun 221,574.72 1,983,06 1,107.87 875.1!1 220,699.53 1999/Jul 220,699,53 1,963.06 1,103,50 879.56 219,819.97 1999/Aug 219,619.97 1,983.06 1,099.10 663.96 216,936.01 1999/Sep 216,936.01 1,963.06 1,094.68 888.38 218,047.63 1999/Oct 218,047.63 1,983.06 1,090.24 692.62 217,154.81 1999jNov 217,154,61 1,963.06 1,085.77 897.29 216,257.52 1999jDec 216,257.52 1,963.06 1,061.29 901. '17 215,355.75 1999 225,665.77 23,796.72 13,266.70 10,530.02 215,355.75 Exhibit "D" ~rtgaga Table Date 01-28-98 Page 3 lnan Annual ~nthly Number of First Amount Int-Rate Payment Payments payment 235,000.00 6.0000 1,983.06 180 1998/02 Beginning Total Interest princ:ipal Endi~ Period principal Payments payment Repayment Principa 2003/Jan 179,706.22 1,9133,06 898.53 1,084.53 178,621. 69 2003/Feb 178,621.69 1,983.06 893.11 1,089.95 177,531.74 2003;Mar 177,531.74 1,983.06 887.66 1,095.40 176,436.34 2003/Apr 176,436.34 1,983.06 882.18 1,100.88 175,335.46 2003,1May 175,335,46 1,983.06 676.68 1,106.38 174,229.08 2003pun 174,229,08 1,983.06 871.15 1,111.91 173,117.17 2003/Jul 173,117.17 1,983.06 865.59 1,117.47 171,999.70 2003/Allg 171,999,70 1,983.06 860.00 1,123.06 170,876.64 2003/Sep 170,8'/6.64 1,983.06 854.38 1,128.68 169,747.96 2003/Oct 169,747.96 1,983.06 848.74 1,134.32 168,613.64 2003/NOv 168,613.64 1,983.06 843.07 1,139.99 167,4'/3.65 2003;oec 167,473.65 1,983.06 837.37 1,145.69 166,327.96 2003 179,706,22 23,796.72 10,418.46 13,378.26 166,327.96 2004/Jan 166,327,96 1,983.06 831. 64 1, l!i1.42 165,176.54 2004/Feb 165,176.54 1,983.06 825.88 1,157.18 164,019.36 2004;Mar 164,019,36 1,983.06 820.10 1,162.96 162,856.40 2004/Apr 162,856.40 1,983.06 814.28 1,168.78 161,687.62 2004/M8Y 161,687.62 1,983.06 808.44 1,174.62 160,513.00 2004/Jun 160,513.00 1,983.06 802.57 1,180.49 159,332.51 2004/Jul 159,332.51 1,983.06 796.66 1,186.40 158,146.11 2004/Aug 158,146,11 1,983.06 790.73 1,192.33 156,953.78 2004/Sep 156,953.78 1,983.06 784.77 1,198.29 155,755.49 2004/Oct 155,755,49 1,983.06 778.78 1,204,28 154,551.21 2004/Nov 154,551.21 1,983.06 772.76 1,210.30 153,340.91 2004;oec 153,340,91 1,983.06 766.70 1,216.36 152,124.55 2004 166,327.96 23,796.72 9,593.31 14,203.41 152,124.55 2005/Jan 152,124.55 1,983.06 760.62 1,222.44 150,902.11 2005/Feb 150,902,11 1,983.06 754.51 1,228.55 149,673.56 2005,1Mar 149,673.56 1,983.06 748.37 1,234.69 148,438.87 2005/Apr 148,438.87 1,983.06 742.19 1,240.87 147,198,00 2005,1May 147,198,00 1,983.06 735.99 1,247.07 145,950.93 2005/Jun 145,950.93 1,983.06 729.75 1,253.31 144,697.62 2005/Jul 144,697,62 1,983.06 723.49 1,259.57 143,438.05 2005/Aug 143,438.05 1,983.06 717,19 1,265.87 142,172,18 2005/Sep 142,172.18 1,983.06 710.86 1,272.20 140,899.98 2005/Oct 140,899.98 1,983.06 704.50 1,278.56 139,621. 42 2005/NoV 139,621.42 1,983.06 698.11 1,284.95 138,336.47 2005;oec 138,336.47 1,983.06 691.68 1,291.38 137,045.09 2005 152,124.55 23,796.72 8,717.26 15,079.46 137,045.09 f>brtgage Table Dilte 01-28-91l Page 4 [t)M Annual f>bnthl y Nwnber of First ArrPWlt I nt-Rate Pdyment Payments payroont 235,000.00 6.0000 1,983.06 180 1998/02 :firming Total Interest principal Ending Period Prncipal Payments Payment Rapayroont Principal 2006/Jan 137,045.09 1,983.06 685.23 1,297.83 135,747.26 2006/Feh 135,747.26 1,983.06 678.74 1,304.32 134,442.94 2006jMar 134,442.94 1,983.06 672.21 1,310.85 133,132.09 2006/Apr 133,132.09 1,983.06 665.66 1,317.40 131,814.69 2006jMay 131,814.69 1,983.06 659.07 1,323.99 130,490.70 2006/JWl 130,490.70 1,983.06 652.45 1,330.61 129,160.09 2006/Jul 129,160.09 1,983.06 645.80 1,337.26 127,822.83 2006/Aug 127,822.83 1,983.06 639.11 1,343.95 126,478.88 2006/Sep 126,478.88 1,983.06 632.39 1,350.67 125,128.21 2006/Oct 125,128.21 1,983.06 625.64 1,357.42 123,770.79 2006/NOv 123,770.79 1,983.06 618.85 1,364.21 122,406.58 2006/DeC 122,406.58 1,983.06 612.03 1,371.03 121,035.55 2006 137,045.09 23,796.72 7,787. 18 16,009.54 121,035.55 2007/Jan 121,035.55 1,983.06 605.18 1,377.88 119,657.67 2007/Feh 119,657.67 1,983.06 598.29 1,384.77 118,272.90 2007jMar 118,272.90 1,983.06 591. 36 1,391. 70 116,881.20 2007/Apr 116,881.20 1,983,06 584.41 1,398.65 115,482.55 2007jMay 115,482.55 1,983.06 577.41 1,405.65 114,076.90 2007jJWl 114,076.90 1,983.06 570.38 1,412.68 112,664.22 2007/Jul 112,664,22 1,983.06 563.32 1,419.74 111,244.48 2007/Aug 111,244.48 1,983.06 556.22 1,426.84 109,817.64 2007/Sep 109,817.64 1,983.06 549.09 1,433.97 108,383.67 2007/Oct 108,383.67 1,983.06 541. 92 1,441.14 106,942.53 2007/NOv 106,942.53 1,983.06 534.71 1,448,35 105,494.18 2007/DeC 105,494.18 1,983.06 527.47 1,455.59 104,038.59 2007 121,035.55 23,796.72 6,799.76 16,996,96 104,038.59 2008/Jan 104,038.59 1,983.06 520.19 1,462.87 102,575.72 2008/Feb 102,575,72 1,983.06 512.88 1,470.18 101,105.54 2008jMar 101,105.54 1,983.06 505.53 1,477.53 99,628.01 2008/Apr 99,628,01 1,983.06 498.14 1,484.92 98,143.09 2008jMay 98,143.09 1,983.06 490,72 1,492.34 96,650.75 2008/JWl 96,650.75 1,983.06 483.25 1,499.81 95,150.94 2008/Jul 95,150.94 1,983.06 475.75 1,507,31 93,643.63 2008/Aug 93,643.63 1,983.06 468.22 1,514.84 92,128.79 2008/Sep 92,128.79 1,983.06 460.64 1,522.42 90,606.37 2008/Oct 90,606.37 1,983.06 453.03 1,530.03 89,076.34 2008/NOv 89,076.34 1,983.06 445.38 1,537.68 87,538.66 2008/DeC 87,538.66 1,983.06 437.69 1,545.37 85,993.29 2008 104,038.59 23,796.72 5,751.42 18,045.30 85,993.29 t>Prtqage Table Date 01-:18-98 Page 5 lDan Annual t>Pnthly Number of First lIlrount I nt-Rate Payment Payments Payment 235,000.00 6.0000 1,983.06 180 1998/02 ~inning 'lOtal Interest Principal Ending Period Pr ncipal Payments Payment Repayment principal -- 2009/Jan 85,993.29 1,983.06 429.97 1,553.09 84,440.20 2009/Feb 84,440.20 1,983.06 422.20 1, 560 . 86 82,879.34 2009j'Mar 82,879.34 1,983.06 414.40 1,568 . 66 81,310.68 2009/Apr 81,310.68 1,983.06 406.55 1,576.51 79,734.17 2009/May 79,734.17 1,983.06 398.67 1,584.39 78,149.78 2009/Jun 78,149.78 1,983.06 390.75 1,592.31 76,557.47 2009jJul 76,557.47 1,983.06 382.79 1,600.27 74,957.20 2009/Aug 74,957.20 1,983.06 374.79 1,608.27 73,348.93 2009/Sep 73,348.93 1,983.06 366.74 1,616.32 71,732.61 2009/Oct 71,732.61 1,983.06 358.66 1,624.40 70,108.:11 2009/NOv 70,108.21 1,983.06 350.54 1,632.52 68,475.69 2009/DEIC 68,475.69 1,983.06 342.38 1,640. 68 66,835.01 2009 85,993.29 23,796.72 4,638.44 19,158.28 66,835.01 2010/Jan 66,835.01 1,983.06 334.18 1,648.88 65,186.13 2010/Feb 65,186.13 1,983.06 325.93 1,657.13 63,529,00 2010jMar 63,529.00 1,983.06 317.65 1,665.41 61,863.59 2010/Apr 61,863.59 1,983.06 309.32 1,673.74 60,189.85 2010/May 60,189.85 1,983.06 300.95 1,682.11 58,507.74 2010/Jun 58,507.74 1,983.06 292.54 1,690. 52 56,817.22 2010/Jul 56,817.22 1,983.06 284.09 1,698.97 55,118.25 2010/Aug 55,118.25 1,983.06 275.59 1,707.47 53,410.78 2010/Sep 53,410.78 1,983.06 267.05 1,716.01 51,694.77 2010/Oct 51,694.77 1,983.06 258.47 1,724.59 49,970.18 2010/NOv 49,970.18 1,983.06 249.85 1,733.21 48,236.97 2010/DeC 48,236.97 1,983.06 241. 18 1,741.88 46,495.09 2010 66,835.01 23,796.72 3,456.80 20,339.92 46,495.09 20 l1/Jan 46,495.09 1,983.06 232.48 1,750.58 44,744.51 20 l1/Feb 44,744.51 1,983.06 223.72 1,759.34 42,985.17 2011jMar 42,985.17 1,983.06 214.93 1,768.13 41,217.04 20 l1/Apr 41,217 .04 1,983.06 206.09 1,776.97 39,440.07 2011/M1ly 39,440.07 1,983.06 197.20 1,785.86 37,654.21 20 l1/Jun 37,654.21 1,983.06 188.27 1,794.79 35,859,42 2011/Jul 35,859.42 1,983.06 179.30 1,803.76 34,055.66 20 l1/Aug 34,055.66 1,983.06 170.28 1,812.78 32,242.88 20 l1/Sep 32,242.88 1,983.06 161. 21 1,821.85 30,421.03 2011/0Ct 30,421.03 1,983.06 152.11 1,830.95 28,590.08 2011/NOv 28,590.08 1,983.06 142.95 1,840.11 26,749.97 2011 ;'Dee 26,749.97 1,983.06 133.75 1,849.31 24,900.66 2011 46,495.09 23,796.72 2,202.29 21,594.43 24,900.66 fobrtgage Table Date 01-28-98 Page 6 Wan AnnUlll Monthl y NW1iJer of First J\Ioount 1 nt-Rate Payment Payments Payment 235,000.00 6.0000 1,983.06 180 1998/02 :1ncinning Total Interest Principal Erillng Period Pr ipal Payments PaynlOnt Repayment Principal 20 12/Jan 24,900.66 1,983.06 124.50 1,858. 56 23,042.10 20 12/Feb 23,042.10 1,983.06 115.21 1,867.85 21,174.25 2012,1Mar 21,174.25 1,983.06 105.87 1,877 .19 19,297.06 20 12/Apr 19,297.06 1,983.06 96.49 1,886.57 17,410.49 20 12/Ml1y 17,410.49 1,983.06 87.05 1,896.01 15,514.48 20 12/Jun 15,514.48 1,983.06 77.57 1,905.49 13,608.99 2012/Jul 13,608.99 1,983.06 68.04 1,915.02 11,693.97 20 12/Aug 11,693.97 1,983.06 58.47 1,924.59 9,769.38 2012/Sep 9,769.38 1,983.06 48.85 1,934.21 7,835.17 2012/Oct 7,835.17 1,983.06 39.18 1,943.88 5,891.29 2012/NOv 5,891.29 1,983.06 29.46 1,953.60 3,937.69 2012;oec 3,937.69 1,983.06 19.69 1,963.37 1,974.32 2012 24,900.66 23,796.72 870.38 22,926.34 1,974.32 20 13/Jan 1,974.32 1,984.19 9.87 1,974.32 0.00 2013 1,974.32 1,984.19 9.87 1,974.32 0.00 , Totals 235,000.00 356,951.93 121,951.93 235,000.00 0.00 End-of-Report , , , , , smk/keller,spsaA/3/4/98 ADDENDUM TO MARRIAGE SETTLEMBNT AGRBEMBNT .THIS ADDBNDUM T THB MARRIAGE SBTTLEMENT AGRBBMBNT Made this .:2'61-h day of , 1998, is made and entered into between Theresa C, Ke er lere nafter referred to as "Wife") and David R, Keller (hereinafter referred to as "Husband"), WITNESSETH~ WHEREAS, Husband and Wife executed a Marriage Settlement Agreement dated February 17, 1998; and WHEREAS, the parties desire to modify the Marriage Settlement Agreement to add the following provisions I 1, WIFE'S AGREEMENT, RE, SUBORDINATION~ The parties acknowledge that Husband may be required to provide security for future business loans with regard to Slough Flooring, Inc, and in that regard, Wife agrees that the private mortgage exec~ted by Husband and held by Wife in conjunction with the execution by the parties of the Marriage Settlement Agreement and this Addendum shall be subordinate to future liens of record by CoreStates Bank or any of its affiliated financial institutions, 2 , BANKRUPTCY ~ The part ics also specif ically agree that the payments called for in the Marriage Settlement Agreement and this Addendum are not intended to be a debt which is affected by a discharge in bankruptcy, They fu~'ther specif ically intend that Husband's obligations under the terms of the Agreement and this Addendum shall not be subj ect to discharge in bankruptcy because they acknowledge that such are necessary for Wife to meet her financial obligations and to support and maintain her standard of living and that of the parties' ~hildren, Husband represents that there are no bankruptcy proceedings presently pending in which he is involved. Husband expressly agrees not to file a bankruptcy action prior to the completion of his obligations pursuant to this paragraph, This debt shall not be discharged in a bankruptcy action filed by or on behalf of Husband, If Husband files for bankruptcy, the Agreement and this Addendum shall constitute conclusive evidence of the parties' intent that the obligations of this paragraph are in the nature of maintenance and are not dischargeable under current bankruptcy law or under any amendment thereto, Further, if Husband institutes any action in bankruptcy or any other bankruptcy proceeding is - 1 - , , ,j I , 1 , .... 01 (. u. ..::/ "" r:; :,~ ~~~ ,. IJ J~;) " I' ) ~ ;1:: -;;.1 I:':i' u.... C)I I.n '-.','" , " E>: '1",.1 1 , Ij i;,:~ ('I" ...... , I. , ~..,~ l'JO.. ., r;' :J.: ~:_ -J Ii It (':'/ Q r..~1 l,j iI ,,I , , '.\' ,. " " 'II , I' 1'0"1 , I; .' , JI ./ " ; I (''', lit , I' ,\ Ii " q , ' I.., " , !II , >I, " " " I " ,I , ,I " , , ij " ,I , , I, , , i/ , , I , , , , , , I I '1 >I ,,; , , , , I 'I I I' , , , ,,,I , , , " " ,-I " " 1 , , I ,', , , , ., , " I, , , , " , " I, I' , , , , , , " , , , , ~ , " <<I , ,..: p (.^' .... .. r .. I:.ti oJ , .( , -.. (', ~rt .i' .~ ()-:;; I' , )(' r.t.. . .;.", , i ".. , , " " J~,,--I . I. . ~,. " li'."" >- :l:;:j " r! il.: .;-.... .'1' i,,@ .' ~ :i.: , (T,) '3 " " 0\ i:.; '~ rr. '''1' H lUr'-;' <J <,' n 'II ~~(,' ~Ii. '""'II l.L.j' I r'-~t' !,I" Q , , " i " '1 I, , 1', , , , " I 1, , I .' , I' , , " , , , I, " " " 'i '; , , ,I! I " 1; " I', 1.1 "I " " , , II I " ,-I, L' , , " , , j', Ct:) Ie.; .. ..::r ;!~: '-'- 'I; -. - >-. ....,;: ."" .... 0:1 01 '~ r:~; ""i._ ,), "1.':; ".;1, J i ' ~ i ~, ;-; " }~!; ,'i!ltl} J ..'1..: t{ () Ii " 'I " '1 I, " , " ',' I , " '11 I' " 'II " '.". , t~ ~ 'i~: "', '. " ' . ~. ,~. ,..." ~'l \',- , ~l} -.: ," , 1/: ~ ~ I li.: '.....") I;:':'; ~j! '" 'I,." [," , ' +, - 'II ~ [-I"~ >- '1/(iJ I~ I' ., iIJ.:\.,: ,. ,. - /i:j' I,;'~ cq l, 0\ 0 , ' . " , . 'i , , , " ,,' I" " " /, " " " '1, " " " I . " ,i " , , , , 'I , , I' , " , I' "., , , , , , , I" 1 . . . " I .. . I' THERESA C. KELLER, I IN THE COURT OF COMMON PLEAS I DAUPHIN, PENNSYLVANIA Plaintiff , I I NO. 96-3745 CIVIL v. I I CIVIL ACTION ,- LAW DAVID R, KELLER, I I I Defendant I IN DIVORCE AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN , SSI AND NOW, this 11th day of July, 1996, personally appeared before me, a Notary Public in and for the aforesaid Commonwealth and County. Joanne M. Bennett. secretary to Sandra L. Meilton, Esquire, who being duly sworn according to law, deposes and says that on July 9, 1996, she mailed a certified copy of a Complaint in Divorce, by certified mail no. P 016 240 455, restricted delivery, return receipt requested, to David R. Keller, 711 Drexel Hill Boulevard, New Cumberland, Cumberland County, Pennsylvania 17070, and the same was received by him on July 10, 1996 as indicated by the return receipt card which is attached hereto. " " ~ -. ~, Bennett Sworn to and subscribed before me this 11th day of July, 1996. '77dz~: / li--r ~J1J'tary Public (SEAL) , , .,.', . , . , ,i , :,~.t =:I:I::~:~.'=~:~t.~~II~,,,~..., '~J.o~~:"::~~:: ,::~'~~'~:r.:, ' 'I .' P"". )ioUr nit"" In" .duII.. on 1111 ,.".... ul thl. 1m", II) Ih.1 v;. 1:1t} '"It "If j' \i , ,rftUl'UlhlIfUt"I"~I)II' ' ,. .' i "I'Att'l";~ Ihl. 'om, In ttl.ltUIlI 01 thll m.llpl*", Qt I)" Ihlt bm," It _1I.tI 1 l..1 AdlJ'O..lUO'. Addre" \ _. ~I PI,,"!I. j I · W"" "R.Mn",c'iol ,.,qUIII'd" un Ihtllll.llp1ttu b.ll).....thlt Iltil;l. 'lIn"~1 ~'''I'It~....... bjlf".y l J Ilt:i~;:~i~~:,::~::;;';:~~':'~I.'.::,~~.:.~t'~I~:::1-"':~~,~~:'/:,c~J~~~~t~F!!!\:.:ml~n!k.~_c- , MR. DAVID R. KELLER -_~.J.lJ.L~~O"~~~"'.......__J 711 DREXEL IiI LIJ BLVD 4b SO/VI,. Ty". . iI J ] IltiUI4h'llel~ I IlItllJlud 1 NEW CUMBERLAND, PA 17070 ~ Clfflll.d.. I I con. r i FI hi"'" MOIl' ilt~ 1 'f 'ri;Jl;i}if.oi,'YO'V - ,t J;t~ 2?;;A"" ....... ...",,-. If' ^d~.t.'~~:?~IOI;ji,"r.q';;;;l.ili Jl Ie-:' .,L!'~~I- .J end 11m lb lH.lldl I . IAg;';;,"- ---~ --...... -- , -.. .O."'",bft 1991 .U.....O"~...,". DOMESTIC RETURN RECEIPT f' Ill,f. ,'IllfI 'I',', ~ Receipt for Certified Moll ....... No lnllu,onco CO\ltHlIUU P,ovh1od CIU'.I'I:.l\ OlJ not UIO 'nf InfOlnlJlionol M," ISQU "0'0101801 'O'>\'Vro H. KELLER ....1' 1''''11I> I uREXEL HILL Pl'fEW'''(!t'J~M1u,MD I $ P1nl>lUIJ I3INO P^ 17 . . ~)". 70 e,m/,.lIll ,,," /(, ~tJ.'_'1'l1 lJ.lI.",~ t .~ """"I"IIHlllv.'yl.. ) , " .. It.rUI" n,I...,1 ~tHl""'IIU II lu WI1um '" 0'1. 1~IH""'1 , , .. . A_hun Il,'-'llll ~"Il'l'llnu III Wh'lm 0"" ttlld"""I,u"""''',llItu& ro''''II'olllll' $-" - 61.... 'j ) Poftlma,k Uf ()/thl g 07/09/% "- Ie - , " u 1',' , ~-'l -(I I' , r i ~ ~ ~ , ~ ~ ~, , , I, II , , ... . ~ "c ' 1 , . , . "\ ,', " ~ . I . I . , " ~ , , V , " I " , , , I ',' " " " , '" 'I' " 1 ' " ;1 " I Ii , ' l.'j.' 'I ,t! , " JII ';1 ,I I , " . , " " I' " " " " upproxlmute time of ~epurlltlon of the purties. April ]0. 19'/6, lhls Ilsslgnlllent shull he enecllvc us of April ]0. 1996. und shulllneludc uny dlvidcnds. inlcresl 01' olhcr Invcstlllcnl expericnce crcditcd with respcctto such usscts suhsc'lUcntlo ~uid cneclive .laic, 6, Within u rcusonahlc pcriod ulicr rccelpt oflhis Ordcr.thc Plan Adlllinislrlltur shull dctermlne whcthcl'lhis urdcr is a <.)uulll1ed Dumcstic Rclulilllls Ordcr and shall nlllify lhc Purticipnnt und Altcrnate Payee uf sach dctcnnlnllli',lI1, Within a rcnsllnuhle lime liner the Plun Adllllnlstrutor hus detcnnincd thUllhls Ordcr Is u Quulll1cd DOlllcstic Relutiuns Ordcr. thc Plan Admlnistrntur shalllukc all such actions us ure re'luircd tlltransler frlllllthe Slough F1uuring Prullt Shurlng plunuccolJnt ill' the Participllllltllll scpal'Utc accuunl Illr thc hcncfit uf the Alternutc Puycc. lhc cash. In the aml1llnts spccificd In Purngraph 5. tllgcther with ull Intere~l. divldcnds or othcr invcstment expcricnce with rcspccttll said ell~h from the eflectlvc dute specificd In PlII'agruph 5 tl' the datc llf such IrunslCr, 7. Thc Administrator, Slllugh !'Illoring. Ine, shall hold und administcr the Alternate Puyee's account pursuunttu their tcrms und the provision of the Codc und ERISA, Altl'rnate Payce's intercst in suid profit sharing plan as stalcd in Puragruph 5 ahove. shull be invcsted In thc Slough Flooring. Inc, Profit Sharing Plun until Altcrnalc Puyce's intercst is dislributed, 8, Thc Plun aeeounls of the Participantund thc Alternalc Puyee shall be ~cpurute uccounts. und the I'lun shull not pcrmit uny e1eclion by cltl,.:r the I'articlpulll or thc Altcrnate Paycc 10 huve uny cnect onthc othds PI un uecllunl. 9, Inlhc cvent ufthe dcalh ofthc Participunt prior tllthc payment in full of his sepurutc profit shuring acellunl. lhc Altcrnate Payee shullnlll he decmcd the surviving spouse of such ('urticipant und vice versa, 10. Thc Allernutc Puyec shull hc enlllled tll distrihulion uf the Altcrnate Puycc's sepurute uccount us soon as muy be accllmplished ulier this Ordcr hus been issued, Thc " ,.." 'f't) , , , ," " " I, '" " , , , , ) i I ~ 1,-., , .. " , , , >I I" , , Jl\ '" " I, I, , I I It, ,. ,,-- I " , I ,,) , ~ j ..:l .... ~ ~ >< .... I: Ul '... iU U ~ ... '0 ~~ I: I: ~ riI .... 01 EO. iU .... <Ill E ..... 2! :r.@l i ; ~ < ,~ 0. 8Ul ~ ... UiH< I>: i < 'M E-<..:l riI . ~ :- ~egl ..:l I>: ~~ .," ..:l riI ~Q 0 U 0 riI ..:l HH E-<UZ b<: ..:l (t,E-< ~ .; ~ Ifl ~QSr.J el H< 'l' . :- ..:l .~ i ..... OZE-<U U <1lo1I l") UO<:UO: . pI>: tIl I ..:l<0 < I>: 0 ! <D r.J1>: > ~ (l1 tIlr.J ..:l H Q :r: E-<CCl H Q I>: H E :> r.J > 0 ZP H Z ..: Z H " , , '" I' , , " , , I I t, I , , " " ':1 " " ',' , . , . 'I.. . . JUL 22 19986b I. .