HomeMy WebLinkAbout96-03949
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VERNA L. GUTSHALL, I IN THE COURT OF COMMON PLEAS or
plaintiff I CUMBERLAND COUNTY, PENNSYLVANIA
I
VI. I NO. 96 - 3949 CIVIL
I
RONALD E. GUTSHALL, I
Defendant I IN DIVORCE
AND NOW,
ORDER OF COU~T
'hi. ~d'Y of
, 1998,
the parties
stipulation
and counsel having entered into
and
resolving the economic issues on April 2l, 1998, the
date set for a Master's hearing, the agreement and stipulation
having been transcribed and subsequently signed by the parties
and counsel, the appointment of the Master is vacated, and
counsel can conclude the proceedings by the filing of a praecipe
to transmit the record with the affidavits of consent of the
parties so that a final decree in divorce can be entered.
BY THE COURT,
J.
,aCI James M. Bach
'Attorney for Plaintiff
Harcus A. McKnight, III
Attorney for Defendant
VIRNA L. GUTSHALL I IN 'l'IlS COUR'l' OF COMMON PLI3AS
PLAINTIPr I CUMlll!lRLAND COUN'rY, PI3NNSYLVANIA
I
VIJ. I ql!i -J/HCJ CIVIL ACTION
I
RONALD I. GUTSHALL I
DBPINDANT I IN DIVORCE
NOTICE TO DEFEND AND CLAIM RIGIITS
You have been sued in Court. If you wish to defend against
the claims set forth in the following pages, you must take prompt
action. You are warned that if you foil to do so, the case
may proceed without you ond a decree in divorce or annulment
may be entered against you by the Court. A judgement may also
be entered against you for nny other claim or relief requested
in these papers by the Ploint iff. You may lose money or
visitation of your chi ldren.
When the grounds for divorce are indignities or irretrievable
breakdown of the marriage, you may request marriage counseling.
A list of marriage counaelors is available in the OFFICE OF
'rHE PRO'rHONO'rARY, on the first floor of tIll? Cumberland County
Court House, Carlisle, Pennsylvania, 17013.
IF YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY,
LAWYERS FElR, OR EXPENSES, DEFORE A OIVORCE OR ANNULMENT IS
GRANTED, YOU MAY LOSE 'rIm R IGII'I' '1'0 CI,AIM ANY OF 'I'IIEBE,
YOU SHOULD TAKE TillS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT Af'FORD ONE, GO '1'0, OR Tr:LEPHONE
THE OFFICE SE'r FOR'I'II DEr.oW '1'0 FIND 01l'1' Wllr:RE YOU CAN GET LEGAL
HELP.
Court Administration
Fourth Floor
Cumberland county Court House
Carlisle, pA 17013
717-240-6200
VIRNA L. GUTB"ALL IN 'l'IIB COURT OF COMMON PLI!lAB
I
PLAINTIPP I CUMBBRLANI> COUNTY, PI!lNNBYLVANIA
I
VI. I 'lG . .3'1'/'1 CIVIL AC'l'ION
GUTB"ALL I
RONALD I.
DBfBNDI\N'l' IN IJIVOIlCI!l
COKPLI\INT IN DIVORCB
COUNT I
IUfD NOW oomel the Plaintiff, by Attorney JAMES M. BACII, and
aver8 as rolloW81
1. Plaintiff is VERNA L. GUTSlIALL , who
currently reside8 at2120 QUEENS DRIVE, APT. A-1, HARRISBURG
2. Defendant is RONALD E. GUTSlIALL , who
currently resides at 106 LINCOLN STREET, ENOLA, PA 17025
3. Plaintiff and Defendant have been bona fide residents in
the Commonwealth for at least six months immediately previous
to the filing of this Complaint.
4. The Plaintiff and Defendant were marri~d on
2/9/74
5. There have been 110 prior actions of divorce or annulment
between the parties.
6. The marriage is irretrievably broken.
7. Plaintiff has been advised of the availability of counseling
and also the Plaintiff may have the right to request that
the Court require the parties to participate in counseling,
and aftar being so advised, Plaintiff does not desire
counseling.
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VBRNA L. GUTSHALL I IN TH$ COURT OF COMMON PLEAS OF
PLAINTIFF I CUMBERLAND COUNTY, PENNSYLVANIA
I
vs. I 96 - 3949
I IN DIVORCE
RONALD B. GUTSHALL I
DEFENDANT I CIVIL ACTION LAW
CBRTIFICATB OF PBRSONAL SBRVICE
I, _
YURI GASPA~ being duly sworn according to
Law, say that I personally served:
RONALD E. GUTSHALL
106 LINCOLN STREET
RNOLA. PA 17025
by handing him/~ a copy of the following documentl
NOTICE TO DEFEND AND CI.AIM RIGH'rS AND A COMPLAINT IN DIVORCE
on the 12THday of
Jur.Y
, 1996 et 9:45
a.m.~
DATE
D7 /,~ rh~
I I
SIGNATURE
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VERNA L. GUTSHALL,
Plaintiff
V8.
I IN THE COURT OF COMMON PLEAS OF
, CUMBERLAND COUNTY, PENNSYLVANIA
I
I NO. 96 - 3949 CIVIL
I
I
I IN DIVORCE
RONALD E. GUTSHALL,
Derendant
THE KASTER I Today is Tuesday, April 21, 1998.
This i8 the date set for a Master'o hearing in the above
captioned divorce proceedings. Present in the hearing room are
the Plaintiff, Verna L. Gutshall and her counsel James M. Bach,
and the Defendant, Ronald E. Gutshall, and his counsel Marous A.
McKnight, III.
This action was commenced with a divorce complaint
being filed on July 11, 1996, raising grounds for divorce of
irretrievable breakdown of the marriage. Both parties have
provided the Master today with affidavits of consent and waivers
or notice of intention to request entry of divorce decree which
will be filed by the Master's office. It is noted that Mr.
Gutshall previously signed his affidavit of consent and waiver
of notice on November 4, 1997. He specifically, in front of the
Master and his counsel, changed the date to April 21, 1998, and
initialed the change. Consequently both affidavits are timely
dated and will be filed as indicated by the Master.
On July 30, 1997, an amended complaint was filed by
wire wherein she raised the economic claims of equitable
distribution, alimony, alimony pendente lite, and counsel fees
.
and coat..
The Master has been advised by counsel that after
eKtenaive negotiations, and review of the assets, valuation of
alsets, and debts, that the parties have reached a comprehensive
agreement of all outstanding issues. An agreement is going to
be placed on the record in the presence of the parties and
counsel. The aqreement as stated on the record will be
considered the substantive agreement of the parties not subject
to any changes or modifications except for correction of
typographical errors.
The agreement is going to be transcribed and the
parties and counsel will return later this morning to review the
draft for typographical errors and then after any corrections
are made, the parties and counsel will affix their signatures by
way of affirmation of the terms of the agreement. It is
specifically noted, however, that no substantive changes can be
made to the agreement following the statement of the parties on
the record at this time.
After the agreement has been placed on the record
and consistent with the terms of the agreement, the Master will
prepare an order vacating his appointment and a praecipe can be
filed by counsel to obtain a final decree in divorce. The
Master has been advised that part of the agreement will provide
that until husband completes settlement of the cash to wife as
stated in the agreement, that the Master will remain appointed
..
..
and will not vacate his appointment until suoh time as he is
notift.d by counsel that the settlement has been consummated.
After that notice by counsel, the Master will submit the case
with his order vacating his appointment and counsel will then be
able to transmit the record to the Court. Mr. McKnight.
MR. McKNIGHT I After stipulating to the values, the
parties have agreed on the following distribution of assetsl
1. Husband will receive the marital real estate property
which is located at 106 Lincoln street, Enola,
Pennsylvania. Wife will convey her interest in the real
estate by deed upon settlement for the amount she has
received under this settlement from husband.
2. Husband will receive his pension with Rite Aid
corporation and wife will waive all claims to that
pension.
3. Husband will receive all his personal property and his
truck collection currently in his possession.
4. Husband will receive the Baltimore life insurance policy,
and the bank accounts that were owned by the parties at
the time of separation will be husband's.
5. Wife will receive her business which is a janitorial
business and she will receive some items of personal
property that have been stipul~ted to that are in
husband's possession and she will liotHy him when she is
going to be picking that up. (two dressers and a crib)
6. Husband agrees to pay within 90 days of this date the
sum of $10,000.00 to wife. It is anticipated this would
be by lump sum. If husband is unable to acquire the
financing necessary, the parties may agree that all or
part of that $10,000.00 may be paid from his retirement
and a QDRO would be entered by the parties to implement
that if necessary.
7. Husband will assume payment of the mortgages, he will
have sole title to his automobile and pay the Chrysler
debt associated with that. In addition, he will pay the
rOllowing debtsl
Hontgomery Ward charge aocount,
Northwest Finance LOBn,
The 1st Card crodit card debt,
and a debt to the IRS which includes the 1995, 1996 and
1997 balancos owed to the IRS.
Husband agrees that he will pay the abov~ mentioned debts
and will indemnify the wife if any claim is made
against her for any of those dobts or payments on
those debts.
8. The parties have agreed that both parties will waive any
claim for counsel fees against the other and that wife
has withdrawn or agrees that she will make no claim for
alimony as part of this divorce claim. Husband, of
course, makes no claim against wife for alimony.
9. It is under.stood that husband will continue to pay the
existing alimony pendente lite until a final divorce
decree is entered in this case and such a decree will not
be entered until the terms of this settlement are
fulfilled, primarly the transfer of the real estate and
the payment of the $10,000.00 from husband to wife.
10. The Divorce Master agrees not to vacate his appointment
until the terms of the settlement are completed, being
the deed transfer and the payment of the $10,000.00 are
completed, and counsel will notify him when that has been
accomplished.
11. currently wife is covered under the husband's Rite Aid
medical insurance coverage and since it is anticipated
that that will end upon the entry of the divorce decree,
husband will endeavor to provide wife with the COBRA
requirements from the Rite Aid corporation so that she,
at her option, may continue coverage if she can afford to
do so.
12. 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 relationohip including without limitation,
statutory allowa~ce, widow's allowance, right of
intestacy, right to take against the will of the other,
and right to act as administrator or executor in 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 relinquishment of all such
interests, rights, and claims.
MR. McKNIGHT: Mr. Gutshall, you've heard the terms
,
of this settlement I is that correct?
MR. GUTSHALL: Yes.
MR. McKNIGHT! And do you agree that you are
willinq to honor those terms and agree to those terms?
MR. GUTSHALL: Yes.
MR. McKNIGHT: And you will endeavor to within the
90 days stipulated, acquire the financing or do whatever is
necessary to pay your wife the sum of $10,000.00?
MR. GUTSHALL: Yes.
MR. BACH: For the record, James M. Bach f.or Mrs.
Gutshall. Mrs. Gutshall, you were present and you did the hear
the agreement between the parties, that is you and your husband,
put on the record; is that right?
MRS. GUTSHALL: Yes.
MR. BACH: And relative to the terms and conditions
fut on the record, do you agree with them totally?
MRS. GUTSHALL: Yes.
MR. BACH: Let me just give you a brief overview of
this aqreement so there is no confusion in your mind.
Es.entially what's qoing to happen is, your. husb~nd ie going to
get his house ~nd his p~nsion and the other assets listod, his
personal property. He is going to pay all the debts enumerated
in the aqreement and in addition thereto, tender to you the sum
of $10,000.00 in cash. That cash payment is to be within 90
days of this date, do you understand that?
MRS. GUTSHALL: Yes.
MR. BACH: The bottom line is, he is paying all or
the bills and then qiving you $10,000.00, do you understand
that?
MRS. GUTSHALL: Yes.
MR. BACH: Do you also understand that the Master
and the parties agree that this division of property was 55' in
your favor; 45' in the favor of your husband?
MRS. GUTSHALL: Yes.
MR. BACH: Do you have any questions at all?
MRS. GUTSHALL: No.
MR. BACH: Do you understand fully and totally this
entire agreement as set forth on the record?
MRS. GUTSHALL: Yes.
I acknowledge that I have read the above
stipulation and agreement, that I understand the terms of
settlement as set forth herein, and that by signing below I
ratiry and affirm the agreement previously made and intend to
bind myself to the settlement as a contract obligating myself to
the terms of settlement and subjecting myselr to the methods and
.
,
procedure. of enforcement which may be impo..~ by law and in
particular section 3105 or the Dome.tic Relations Code.
WITNESSt
DATEt
1./~rJ.I- 9L
~'r "'1 ~~ ~H7;J."b
, Rona E. Gutsha
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REI pre-Hearing Conference Memorandum
DATE I December 31, 1997
Present for the Plaintiff, Verna L. Gutshall, is
attorney James M. Bach, and present for the Defendant, Ronald E.
Gutshall, is attorney Marcus A. McKnight, III.
A divorce complaint was filed on July 11, 1996,
raising grounds for divorce of irretrievable breakdown of the
marriage. No economic claims were raised in the complaint. on
July 30, 1997, an amended complaint was filed raising the
economic claims of equitable distribution, alimony, alimony
pendente lite, and counsel fees and costs.
Counsel have indicated that the parties will sign
and file affidavits of consent and waivers of notice of
intention to request entry of divorce decree so that the divorce
can be concluded under Section 3301(C) of the Domestic Relations
Code.
With respect to the factor of marital misconduct,
Mr. McKnight is going to aver that wife was involved with a male
friend prior to the parties' separation. Mr. Bach is going to
check with his client to determine if that information is
accurate and perhaps stipulate to the alleged relationship prior
to the parties' separation; otherwise, we will take limited
testimony on that factor relating to the alleged extramarital
relationship.
The parties were married on February 9, 1974, and
separated July 11, 1996. There is one emancipated child of the
marriage.
Wife is 42 years of age and resides at 2120
Queens Drive, Apartment A-l, Harrisburg, Pennsylvania, 17110,
where she lives with a male friend. She may have her GED but
apparently did not graduate from high school. She has a
cleaning business which she works at part-time and she is also
now working at a full-time job. Her attorney is going to get
updated income information about her new employment.
Wife's earning capacity as stated on a support
order form dated August 12, 1997, was set at $1,127.00 per
month. Hr. McKnight believes that amount is the total of her
part-time employment and her full-time employment. Mr. Bach
indicated that his client has asthma; otherwise, apparently, her
ability to work is not affected by her health.
Wife is currently receiving alimony pendente lite
in the amount of $60.00 per week. Husband is also paying
$115.00 to the Internal Revenue Service toward the liquidation
of a joint obligation of the parties to the IRS. There is some
question, however, as to the basis for the liability to the IRS,
whether it arises solelY out of wife's failure to pay adequate
sums as a result of the Cleaning business for withhOlding and
social security or whether the amount owed results from other
issues.
Mr. Bach does say that the cleaning business was
a joint operation of the parties, so we do have apparently an
issue as to whether or not the IRS liability is to be considered
the obligation of both parties or whether part ot that
obligation arises out of the failure of one of the parties to
make appropriate contributions. In any event, the tax returns
from which this IRS debt resulted were joint returns.
Husband is 46 years of age and resides at 106
Lincoln Street, Enola, pennsylvanJ.a, 17025, where he lives
alone. He is a high school graduate and works in the warehouse
at Rite Aid corporation. Apparently his job is going to be
terminated within the next couple years, and he will be looking
for other employment; however, currently, his net monthly income
is $2,019.00. This information is based on the support office
form from which wife'S earning capacity was derived. The
husband has not raised any health issues.
The parties own real estate at 106 Lincoln
street, Enola, Pennsylvania. Mr. McKnight is going to have the
property appraised inasmuch as wife claims it is worth
$60,000.00 and husband claims it is worth $45,000.00. The
property is subject to a mortgage in favor of Blazer Finance
with a payoff of around $29,000.00. There is also a second loan
with Blazer which may be a lien against the house of around
$2,000.00.
The parties own a 1996 Chrysler automobile which
is in husband's possession. There is some dispute as to the net
value of that car. Mr. McKnight believes that the value is no
more than the loan amount, which means, therefore, that there is
no equity in the vehicle. Mr. Bach claims, however, that the
loan amount of around $5,000.00 is less than the value of the
vehicle. Counsel are going to try to determine through
appropriate automobile valuation books what the value of the
vehicle is.
Hr. Bach listed a whole life insurance policy on
his pretrial statement. Mr. McKnight indicated that his client
believes that there is a policy but has no specific information
about tho policy. Counsel are going to inquire about the nature
of the policy and determine if there is any ca~h value.
Husband is vested in a pension with Rite Aid
Corporation where he works. Mr. McKnight has provided a
statement of the value of that pension as of December 1, 1997.
The value can be updated to the date of the hearing by using an
interest factor. The value shown on the exhibit of Mr. McKnight
is $14,883.00. The plan is a defined contribution plan.
There has been no decision as to whether or not
there is any value in wife's business. Mr. McKnight is using a
$10,000.00 figure. Mr. Bach's position is that there is no
value to the business. Mr. McKnight indicated that the person
that he is going to hire to review the tax liability situation
will also take a look at the business value issue.
Husband has in his possession most all of the
household tangible personal property and wife claims the value
of that property is worth around $5,000.00. Husband denies that
value and is going to have the property appraised.
At separation the parties had a checking/savings
account with an approximate value of $300.00 and a credit union
account with an approximate value of $500.00. We will need to
know who received the benefits of those funds after the par.ties
separated and whether or not those accounts still are in
existence.
Counsel have listed on the pretrial statement
certain items of marital debt inclUding the mortgage, the car
loan, the IRS loan, and a VISA/MasterCard loan with Northwest
Savings as well as a loan to Montgomery Ward. The Master is
requesting that counsel provide a statement of separation
balances on these accounts and then provide the current
balances. Apparently husband has been making the payments on
these accounts, so we can determine what credit, if any, husband
is due.
with respect to the IRS lien, Mr. Bach has
indicated that his client did make some post-separation payments
VERNA L. GUTSHALL, I IN THE COURT OF COMMON PLEAS Of
Plaintiff I CUMBERLAND COUNTY, PENNSnVANIA
1 NO. 96 - 3949 CIVIl,
vs. 1
1 CIVIL ACTION - LAW
RONALD E. GUTSHALL, I
Defendant I IN DIVORCE
ORDBR AND NOTICB SBTTING HEARING
'1'01 Verna L. Gutshall , Pleintiff
Jemes M. Bach , Counsel for Pleintiff
Ronald E. Gutshall , Defendant
Marcus A. McKnight, III , Counsel for Defendant
You are directed to appear for a hearing to take
testimony on the outstanding issues in the above captioned
divorce proceedings at the Office of the Divorce Master, 9 North
Hanover Street. Carlisle, Pennsylvania on the ___ 21st day
of April , 1998, et 9tOO a.m., at which
plece end time you will be given the opportunity to present
witnesses and exhibits in support of your case.
E. Hoff. r, President Judge
Dete of Order end
Noticel 1/9/98
[kl/[!;d~
Byt
Divorce Mas ter
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
TELEPHONE (717) 249-3166
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RON,.LD .. GUTSIIALL I
i IJBFli:NIJI\N'1' I IN III VOile I,:
PBTITION FOR ALIMONY PENIlENTB LIT!
ANP COUNBBI. FEBB
MID NOW cOllies ~he Petitlonel', VI'lIltl/\ I,. ClIJ'I'HIl/\I,I" by her Attorney
,1I\MEB M. "ACII, and filen Ihe within 1'1.:'I'I'I'lnN 1,'OIl AI,TMONY PENllBN'I'I~
I,I'I'E ANI> COllNSEI. I~BES I
1. Verna I.. Outnhall In i1n udult illdlvldual lcnidlnu at
2120 Queens Drive (Apartment No.Al) Harrisburg, Pennsylvania
2. 'I'he Ileaponclent ia UOllald ,.:. (llIIUhilll, all adult in,\J.vidual
reuiding at 106 1,lncnln m_lC(~t, Bnola, I'l!lul/lylvilnlEl.
J. Verna I.. Gutshall fllFlel il COlllplalnt l:<n Illvorc:eln the Court
of Common Pleas of CUlllher 1 anel Count y on or ubout ,Jill y 1. I, 1996,
to the above number amI ~ellll.
1. Verna I,. Gutohal1 In In neeel o( 1'llIillldal ilnnlntance e1ur.lnU
the pendency of tlde lit lunt Inll allll to pay her ClC1UIHICl fees. She
is without snff iaient fundu to clef ray tho neuflUnal-y ellpenllen to
adVBn(le thlu cane.
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RONALD E ~ VERNA L GUTSHALL
:;/OB-4;;!-2~'13
LT-ll
ACCOUNT SUMMARY
l'VP E PERIOD STATUTORY
OF" TAX ENDING ASEHi6SEO PAL.ANe E ADD I T[ ONS rOTAL
1040 10l-31-9~ , :3,4'9"1.73 . 7136. 7D , 4, \;lBb. 46
1040 1;;1-31-'96 , a,M;'. 'i'4 'h ;;!U! S::J ., 3,Sl'9,76
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JAMES' M. BACH
ATTORNEY AND COUNSELOR AT LAW
352 IOUTH lIPOIlTING HILL ~AD'
MEOHANIClIeullCl, PENNA. 170M
TELEPHONE (7ln 737.120.'1:1
,
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(u) Thc Pluinlltrdocs nOllnlcnd to cull un)' indlviduuls tOlcstlfy,
(b) Thc PlllintilT rcscrves thc ril!htto cull othcr wltncsscs should Ihcy bceol11c ncecssllry
llnd willll11ll1edilllcly lIdvlse the Muster llnd opposing eounsel.
141 A list llf 1111 exhibits the IllIrly cxp~cls to llffer in III evlIl~nee, elleh ellntlllnlng IIn
Idenlifying mark.
(ll) Exhibit" A" Invcntory lInd lIpprllblli. J11l1ritlllllssets und 1lI11r1tul deht.
(b) Exhibit "Il" Ineome lInd expensc stlltCl11enl.
151 The pllrti~s grllss incollle frllm 1111 sllurces, elleh pllyrllll deduetilln, IInd Ihe Pllrties net
inellme, includinK tbe IlIlrlies mllst r~eenl sill Ie IInd federlll inellme tllX returns lInd PIlY
stubs.
(u) The Plllinlilrs gross ineome pCI' YCllr is $10.780.00
(b) The PlaintifCs net incomc per yellr is $7.760.00
(e) See EXHIIlIT "Il" allached III this Pre-Trial SlUlemenl for PllIintlfCs payroll
deductions. and most current slate lInd fedeml income tax returns.
(61 If the pRrty intends tll llffer IIny t~stllllony as to his expenses, R current expense
stat~ment in the fllrlll required by the prRetiee Rnd prlleedure Kllvcrnlng 1111 lIction in
support.
(a) The Plaintiff willleslif) in regards to his <:urrenl expenses. See EXIIIIJIT "e" IIII'
PlaintifC s income and expense Slalcment.
(71 Thc vllluc of II Jlensllln Ill' rclirement b~nefits, the llIaritlll pllrtion thereof, IInd the fnets
IInd dllcumentlltilln uJllln which the pllrty rclies tll sUJlPllrt the vlIlulltilln.
(a) The ()efendunt has a pension and all inllll'llll1lionl'c1ated to the pcnsion is in his
cxclusive possession and control.
181 If there is II dlllln for counsel fees, the lImount of fe~s tll be ~hllrKed, the bllsis for the
charge, Ilnd R detlliled itemizatilln llf the s~l'\'ices rcndered.
2
ASSETS ell' P AIn'IES
The Plaintifl' marks on the list helow those items upplicuble to the CU6C at bur und
itemizes the ussets on the )()lIowing !lllges. If un Hcm hus becn upprulsed, u copy of the
uppruisul report will he ulluched herclo.
( x ) I. REAl. I'IWPERTY
( x) 2. MOTOR VElIlCI.ES
( ) 3. STOCKS. BONDS. SECURITIES IInd OPTIONS
( ) 4. CERTIFICATES OF I>I'POSIT
( x) 5. ClIECKIN(j ACCOUNTS. CASlI
( x) 6. SA VIN(i ACCOUNTS. MONEY MARKET, AND SAVING
CI~RTlFICATI':S
( ) 7. CONTI.NI'S OF SAFE DEPOSIT BOX
( ) 8. TRUSTS
( x) 9. LIFE INSURANCE POl.lCIl.:S (include thcc und cush values und
current bcneliciarics).
( ) 10. ANNUITIES
( ) II. GIFTS
( ) 12. INHERITANCES
( ) 13. PATENTS. COPYRIGIITS. INVENTIONS. and ROYALTIES
( ) 14. PERSONAL PROPERTY OUTSIDE OF IIOME
( x) IS. BUSINESS (list al; owners. including percentage of ownership, und
officer / director positions hcld by party with company).
( ) 16. EMPLOYMENT TERMINATION BI~NHTI'S (sewnlnce puy.
workcomp.).
( ) 17. PROFIT SIlARINCi PI.ANS
( x) 18. PENSION PI.ANS (indicute employee contribution und date plan vests)
( ) 19. RETIREMENT PI.ANS. INDIVIDUAL RETIREMENT ACCOUNTS
( ) 20. DISABILITY PA YMENTS
MARITAL 'p'ROPERTY
The Plaintiff lists 1I111l111rltlll prup~rly in which either or both spouscs have a leglll
or equitable interest Individuully or with UIlY other person liS of the dllte this IIctlon WIIS
cOlllmcnced:
m:M m:SCRlI'TION NAMESOF 1)An: OF
NO. OF I'ROPEltTV ALL OWNERS ACOUlSITION VALUE
I. 106 Lincoln SI. Jolnl 198~ Unknown
Enola. P ^
2. 1996 Chrysler AUlomoblle John 1996 S19.000
J. Ufe Insurance polley (2) JollIl 1990 (Whole life)
4. Ilousehold fumlshlngs Wife 198~ $~,OOO or more
TOTAL ASSETS: Unknown at the present time, but the Plaintiff will testify as to
her belief of the value of the assets.
Real Estate purchased In 1985, for $20,000. The property is a two story Cope Cod
believed to be worth $60,000 or more, due to Improvements made on the property.
NON.MARIT AL PROPERTY
The Plalntlff lists all property In which a spouse hus a legul or equitable Interest
which Is claimed to be excluded Iroll1ll1orltul property:
ITEM DESCRIPTION NAMES OF DATE OF
NO. OF PROPERTY ALL OWNERS ACQUISITION VALUE
l. Two dressers Prior 10 morrlos. Unknown
2. One crib Prior 10 morrlos. Unknown
The dreller. Ind crib were hand mlde by Vernl (Jut.hlll'. rllher Ind al~en IQ her prior 10 mlrrllae.
ill
LIABILITIES I DEBTS
The Plaintiff lists all liabilities of either or both spouses alone or with any person
as ofthe date Ihis action was commcnccd:
Item Amount of Nature of Effective Dale Holder of
No. An)' Lien An)' lien of Lien Lien -
,
I. $29,000 Mortgoge on home 1985 Blo1A:r Flnonce
Com pony
2. $8,000 '1'0101 Credit curd bolonce 1989 (Vlsos. MuslerCord)
3, $1,000 Second Mortllolle Bloler Flnonce
Com pony
4, $7.000 Unpold penonolloxes Inlemol Revenue Service
I I
, '
EXPENSES!
Attached, as Schedule A, Is 0 statement of the Jlhdntlll's opproxlmote monthly
living expenses.
1 understnnd that false stotements herein ore made subject to the penalties of 18 (10
, ,
C.S. 4904, relating to unsworn tillslllcation to authorities.
/"
//Z .. ~ .. ~ 1
' DATE '
J(f}IlM~vd ~I
VERNA GUTSHALL
"
, , , I'
"
,
,
I, ,
, ,
, ,
EXPENSES
Household
Week
Home
Morlgage/Rent ",,,,,,,,,,,,,,,,,,,.,,,,,,,,,,.,,..... $ -119..25-.---
Malntonanco ..........""......"....,11...'..,....... $ -L.51l_
Child
Waek
$ --..--.... -"
$-.--.
Housohold
Month
$ 417.00----
$ _.LQ.. 00
Child
Monlh
$ -.--.----"---
$ ---._,,----------
Utili lies (Ielephono. hentlng
eleclrlc. etc,) ,,,,,,,,,.,,....,,.......,,............. $ -21_..D~____ $ ____________ $ Jl}IL_t6___ $ --...------
Employment (transportation.
lunches) "".""",,,,,,,..........,,.,,,,............ $ ....J2.00._ $ ___.________ $ }40.00 $ --,,----
Taxes
Real Eslate ".."....".""........."................. $ --1L.2.L--
Personal Property"""""".."".."............ $ ._lJ!!,__.
Income ."""........,.....".............................. $ --r-""---'
Insurance
Homeowners ..... ......."... .....................,...'
Automobile, ,...," ,. ,. ........." .......................
L1fe/Acoldent/Heallh .""...."..".."....".""
Other .........."..........."................".....,.......
Automobile (payments. fuel.
ropalrs) ..........,..,...,..........................,....
Medical
Doctor. Dentlsl. Orthodontist """.."......
Hospital """""""""."."..........."............"
Special (glasses. bracas. etc.) "."........"
Education
Private. Parochial School..."""".........".
Collego ..., ,........ " .,.,. ,.,...., .........................
Personal
Clothing ."""...""."""..""...."..".............. $
Food ..............."........................................ $
Other (household 5upplles.
barber. elc.) ..........................................
Credit payments and loal\s ....................
Miscellaneous
Household help/child care ..................... $
Entertainment (Inc. papers,
books. vacation. pay TV, elc.) ............
Gifts/Charitable contributions ..............
Legal Fee5 ............".................................
Other child support/ellmony
payments ......... "."."................."........
Other (specify) ..'Itl1sh."."...........................
Union Dues
$ 2.16
$ --L1.82__
$ 23.29__
$ -------
$ -1!tJ..DL-
$ ___Z..Q!L_
$ -----
$ _Z-..5.!L
.
$ -. --,-.-
$---
7.92
100.00
$ 6.~~
$ ~Ll!L
$ 7.48
$ ___llt..JllL.
$
$---
$_:!.19..
7.58
Total Expenses ........."................................ $ ';75.79
$ --.---"--'
$ .---.-.'-'
$ ---.-------
$ ----
$--.-
$-.--
$ ----.-
$----
$-..----
$---
$ ------
$ ..-.------
$--
$
$
$
$ -----
$
$---
$---
$---
$---
$
$
$ ._!I~-
$ _!.~~-
$....-
$ 8.62
$ 47.29
$ 93.15
$
$ _!!72.27 __
$ 8.00
L
L..1.0.00 -.
$.-
L
$. 31.67
$. 400.00
$._ 25.00 $
$ ..J21&!L- $
$
$
$------
$
$
$
$
$
$
$
$ ..
$
$
$
$
$ -.---- $ -
L__39.90 $
$ __.ft,.Q!L. $
$ --.---- $.
$ --..----- $
$... 12.75 _ $
30.33
$ 2...3Jl...JlL. $
Fees' INC.
,6801 FRANMFORD ~VENUE. ~LPG C
FHILADE~PHI~ F~ 1913~
, ,
, eOO-;20-;OI~
HONAI.D I' '.!UHlHALL
"! 1 ::1,) I~U'+NS Ill'\: APT Al
HAl'\:f<I51il11F.:',a. PA '171 I')
E'1\l.I~NCE:
'f ';:'7'::.7, OS
,
Wt'.OITOI::
FIG:"" eI1,NK ,.....1.:.(1
TOTAl..
DI\TE: 11-1~-97
F(LE~: ~497864 6G6
~,~IOU~IT ImEREST FEEEi TOTAI_
'" .,._., ,)0\ :!t54. I' t f).I)l) :;:,7'':1.7.1,)8
."..)/'''-', (
:J,:;7:!./'li' 3::54.'n r,), l:,(J 2,7'2.7. ')~3
"SEt ,'I..I! VOUR ACCOUI'lT IN FULL rrOR 7t'Ji'. OF THE I:!ALANCE"
"SET n.,," VOUR ACCOUNT IN F'ULL F:OR 7~% OF THE BALANCE"
TiltS IS AI~ OF'F'ORTUNlTV TO SAVE A LOT OF MOrlEY! "!
WE ,;RE AUI"lIORIZED "0 HAVe:; YOU PAY 75'1'. OF YOUf!( BA~I',NC~.
Y')ll Ci:,N Mr',I':!:;: TI~ESE F'AYMENTS Irl TWO IN5TALU'II::mS O'/ER JHE
I~";\T TWO 1'll'i'lTH~).
r:' 'YOU C...\i'U',',T KEEP THE A80\'I:: ,.~r::'I;'mll;i:,:;I~EI'IT, r.i.I.L OUR OFF ICE AT ONCE!
J HUtJTER
,'HIS r:; AN ATllil'1FT TO COLl.ECT A e'ln,T '::,rlCi PotIY ItIFORI"IATION O!;;,TAINEO WILL EiE
'!2Eel HHo; THAT r"URPOSE, '
,
.... - -.., .,. .---... -- . ...._--'~"-_._----'---_...._--,--- ..' ...- .,......-.--.....---....- ---- -.l--....-i"---------
l.ETAC,1 ,::,rm r;E'ilJl,N THIS FOFTIQt~ \HTI-I YCIJI~ F,.YI'IEI'IT!
; JAr-II,,: RONAI.J1 E r31JTSHALL
"L J r-I! TED-T lI'II::-OFFER-RE,:;r: OI'JC'-NOI.j"
'-' ',...- ~.....--~._. ' ___r .~_ ~'_': -.:.-.....:.:_......:....!.2.._.___"__..:_ .. ~ '~~! .__~...:....~:' _~ '\ n.---'-!.._' '_:._" _~~_.I.~. "'...:' ___,:-' ' .' _~ ; .:' ~~. _~,r__'
" 'I' ".. ......, '" I ,. +" -.~ ~, ., r'o.. It ~ "I. ':' 'r.'" _-"- I , "' 1 I'.
_,_~..o~,.. ,_ ~ _ ...._ _ +. _ _
.. , " ,. ., ,., ~ I ' " r' I I ", .. 'T' ., " . .
.. ,.,. r""II- , '" . ,. '" .,.. " ,." r .,. ,-" "..... . , 'I' 'I' -" " 'I' " .11',
"'" r,,- '., r ,. 'lr1' ".r.. ", ""'" .,. r. _ , .. If. _ ,f .. 1".""" _ .,
r, . ,., ..., q I ~ '." . I I " r' , ... ..", " .... "-t'?' .__.~..... ',_., ""'p
"~. ,-. -'''""'''~ ".-, I" ..,-=_ I "":'~.~.l..''::.!._.;::.:.!.._~_..!~_7_._._:.l:_'':':_._,y__._~~_.:._rr.~._:!._'....!..':_~_.____!.:_ ._...._!~
LIH OF MA~YLANO, INC.
10078 ~EO ~UN 80ULEVA~0
OWINGS MILLS. MO 21117-8050
ANNUAL REPORT. FLEXlflLE PREMIUM ADJUSTABLE LIFE POLICY
LIFE LEDGER 6
REPORT FOR THE PERIOO MARCH 20, 1997 MARCH 20, 199B
------------------------- BASE POLICY INFORMATION --------_______________
OWNE~: RONALO E GUTSHALL
INSURED' RONALO E GUTSHALL
MALE 36 HARS OLD AT ISSlJE
NONSMO~ER \:
PQlle, NUMl!lR
paLlet l1AtI:
AGENT
DATE OF REPORT
011010'0693
MARC" ,0. 1087
MARC" 22. 1998
-----------------~---------- STATUS OF POLICY -----------__________________
SPECIFIED AMOUNL ~,900,1)~ PLANNED PERIODIC PREMIUM 31.81 MATURlT, DATE MAR ,0. ~oeJ
- ~J MONTl-4l't'
DEATH IENEnT
CASH VALUE
POLICY LOAN
eEGINNING OF PERIOD:
END OF PERIOD'
71.900 BEGINNING OF PERIOD
71.901) END OF PERIOD
1,437.69 .EGINNING OF PERIOD
1.537.IJ END OF PERIOD
, ,Ja.s , :j'J
',3lj 1 ,45
COVERAGE T'PE ' DEATH BENEFIT E~UALS SOECIFIEO AMOCN'
-----------------------
BENEFIT / RIDER INFORMATION
-----------------------
,
TYPE OF IENEFIT/RIOE~
NAME OF WSUREO
ISSUE DATE
ANNUAL COST
$56,000 ACCIOENIAL OEAT"
DISA81LIT' eENEFIT RIDER
~ONAI.O E GUr~~"'lL
~ONAlO E GUTSHALL
M^,~Oj :20. HH!7
Mt,R(h :.10, 19S7
4;2 GI)
,9 ,6
CU~RENT ANNUAL co~r OF BENEFITS AND RIDERS
., 1 :lE
--------------------- SUMMARY OF ACTIVITY FOR THE YEAR ----________________
MONTH P~EMIUMS INTE~EST EXPENSE COST OF PA~TIAL END OF MONTH LOAN
ENDING ~ECUVEO C~EOITEO CHA~GES INSU~ANCE SU~RENOERS CASH VALUE BALANCE
04/ ,0/97 0.00 4 97 3.97 J' . 313 0.00 1,"".63 1 . ;2e... 39
05/,0/97 J' ,8 I 4 .6J 4.77 2' ,:n O,CO 1,"6,03 , ,2134. 39
06/20/97 6J,6, 5 ,06 5.67 ,. . 36 0,00 1.4~9.7e , . :ze.:. 39
07/,0/97 0.00 4 97 3.97 ~ I ,3'3 000 1,449.43 , ,284. 39
08/,0/97 :] t, 8 1 5. 15 ".7'/ " ,35 0.00 '.460.27 , . :!84, 39
09/,0/97 ~3. 6, B. ~5 S.67 ,1.35 000 ',eO:L :J:J , .2BJ 39
'0/,0/97 J 1.8 I 5. 16 4,77 :J, . 301 0.00 . .513.08 I. :ZS4, 33
l.nO/97 31. e, 5.36 4.77 ".34 0.00 I ,524. 14 I, :Z84. 33
. 2/,0/97 ---;;:. 3 I , 8 I ~,,6 -*.77 ....,>:J., 34 0.00 ~1.~35.10 -->" . ,e4. 39
0'/'0/98 0,00 5.44 3.97 :2' . 34 0.00 , ,5 le.:23 1. :2B4, 39
02/,0/98 63,6, 6.48 5.57 :21. ::4 0.00 1,1367.4:2 '.2e4,39
C3/,0/98 0,00 600 3,97 ,. ,3, 0,00 C";'" l;r~ '.3~L4e'"
TOTAL 348.91 111.9J 811.44 288,18
INTEREST DECLARED DURING PERIOD . 9-~1.2-?f
--------------------- --~ .... - - ----------
\
MAR APR MA' oJUN oJUL AUG ~EP OCT NOV OEe oJAN FEE MAR
6.35 6.35 6.35 6.35 6,36 6 '0 6,10 6.10 6, '0 6.10 5, 5 e 713 5,75
,., ::Y?-1z;;tJ ..Q<.4,z..~..d~__a... ;- j t.1 t?t7 #;<'11 .
1./ ~~~}0
..) -77, 6 6
00 i I iVy~
~\ <\ 19\' ~? - -----~---
, .~ ~ tt't. )/ ~/, o~
,,\ ~?
\j" ,
..
l> .. .
. ..... I:: .... mlgg
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.., .. ~ .. .. ... s::: ,"~o
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... .. ... ~
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. ... .. .. c " ...., .. "n" .... t1 .,
: " ... -. , ". DO,.. ...,
., ~ .. =: . .. ,. " .
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.w ~O>"''''''''l/l'''''' . ...
~ . " ~""oIr"#,,,,,..n... u .
. . IIIIIIII .
" - . """"......,."'lftlG Q
u fl " C:ClCOQQ~~ "
RI"t "01 "'.1"
2'd
:?IUz'ml
.'.'!'.ttIHtH j -JIllIJ',1 It
'.1"'.1: t t
8h61 'n,' ddlJ
i 1040 Oep.,1I11",1 0111'. TIIUUI)'-llllell.ul H.~.lI>...' U,I'\lic. G1C6\917 I
.i ""u.s. IndlvlduBllncome TOil Return UiW ~ ,"',..On"-o"""'.,,,...."'..,,...,.,,
-- '01 "'I~", Jen, 'MOte 31, 11101. Qll,;lh., IU~'" b, Innlng . ln1, 1n4'ng . '8 J OMU No 1&.&.0014
Lab,1 J" "(q,M tnl nam. 11'0 I'llll&! lut name Your loclll IIcu,lly numb.,
ISM" .\_ !!
IIlIIMIION . we 208- 42-2593 197-40~7013 528 SP -- .p.U....."'.I...UlII1numb"
011 p.g. 10) RONALD E 8. VERNA l GUTSHALL I
U..lhoIR8 106 LINCOLN ST lno.
I.IMI. .
0111",,111, a:HOLA PA 17025 - 2530
pi.... pIlnt
or Iype.
Prllld.nUII
EI.cllon Clmp.lgn
(See plge 10.)
23 IRA d.ductlon (0.. pogo 16) . . . . . .
24 Med~cal savings account doductlon. Attach Form 8863
25 Mo....mg e.-penna. AnGell Fo,"' 3903 or 3903.F , . .
26 On.,holl of ..II,omploym.nllox, AUoch Sehed". SE .
27 S.II,.mploy.d hoollll In.",or"o d.ductlon (.0. p.g. 11)
28 Keogh ond .oll,ernployed SEP o"d SIMPLE plo".
2g PQnalty on early wlthd,a....."l of sa\'ingl
301 Alimon~ ~a.d b Aoc1pitnl'. SSN ...
31 Add 11M. 23 Ih,o'gh 300 , . ,
32 Subtracl Ii." 31 from line n. This Is our ad ultecJ rOlllncom,
For Privacy Act and PIlMrwork n.ductlon Act Notle't "' PIUI 3B,
Filing Slalus 1
2
3
ChlCl<, onl)' 4
on. box
5
61
Exempllons
b
q
II mOfI than .Ix
dopond.nl..
... p.g. 10,
Income
,Attach
CI)P)' B 0' your
Forml W~2,
W-2Q, .nd
1llie.R 114,..
n you did nol
g'l 0 W,2,
... pago 12,
Encloll.o bul do
nol attach any
payment. Allo,
pleas. use
Form l04o.V.
Adjusled
Gross
Income
If IIna 32 II und"
$29.290 (und"
$9,770 If . ehlld
did nOlllv" wllh
youl. "" E,C Inll.
on page 21.
,
'0' h.lp In nndln9 IIn"
In.trueUanl. III plg'l
2 .nd 3 In Ih. b.okl.t.
VII No
NOll>lChKbTll
.r... ",.no!
tI'IiW1Q1t }OtIlu 01
"due.,' 'iJ,,.,fund
Do yo, wanl $3 10 90 10 ",'. fund? , .
If. o<nl'."II1, do.. our .pou.. wanl 13 10 010 Ihillimdl ,
S'ngll
Manl.. IIIlng 10lnt IUlurn (ovon II only on. h.d Inconll)
Mam.d hllng aopl1DI' Ilturn, Enl., 'POUII', ,oclal I.euftry no, .bovI and tun name hi", ..
H.od 01 110u501101d ,,,lIh qulll'ying pI",on), (5.. pIg. 10 IIf Ih. qUllllylng p.,.on i.. child bul nol your d.p.nd.n!.
.nter Ihl~ child's nlJln, her'...
Quahl,)lng 'n1(jO~lell ....lth cJopendent ehlllj I)ea, apOU$1J IJled ... .19 ). tSet poyt 10 I
~our..ll, II 'your pllrenl (or "O/Tleonl 1111) can elolm you 1$ II dopen,'Jenl on hll or hor lOX}
return, do not check box 6il. . . , , . , . . . . . . , . ,
[ia SpaYI., . . . , , , , , , . , , , , ' , . . . . . , , .
D.ptnd.ntl~ _n "I Dlplnd,nn tJ IPlt)lllnl S ., ht 01 mCWlIhS
loelll IIC~li'" numtu tlllllon'hlp 10 ht4111 )tul
HI 11fat naml lul NI'il " fI 1111 r
d
7
8.
b
9
10
11
12
13
14
15.
18.
17
18
18
20.
21
HD, 01 baau
th"hdon
hln.li
"I,orrou,
chUMln 'n Ie
..ho:
tIlWl'.IIh,.",
t did "ollln wltll
,''''dut10 Illra,,,
or IIPIIIIl'"
111.,.,.111
Olpln',nll Ollie
nollnl.,..u.,,__
Addnumhl1
Inll1",n
IInlllba"lio
~
Tolal number 01 t)l:'m~ liorlS etlllmed
I:rI
Wagll, 10Iall88, UPI, lie, Attach Form{11 W~2,
T..ablt Inte'n\. AlIoch Schodul. B II requIred
T....umpt 'nlttllS!. 00 NOT Includ. on IIn. 81,
DIVidendi, Anllch SCh,IJuIQ B If roqulred .
TlUlabl, relundll, credlll, or 0lfl811 01 1181. Ind IOClIllneom, IPM (III page 1:l)
AlImony receIved . . . ,
Busln8l5 'ncomo or (Iou) Altoch Sr.hldul. C or C.E2
Capital galll or (Ion), Alloctl Sch.dull 0
01 h., gOln. 0' (10....). Alloch Fo,m 4797 . . . . , . . . . .
Total IRA (jiSlnbuIlC"1 . L!.!!..l Ll b Telllbl. lmount (u, pig' '3)
Tolal PINIOns /IIld llMu,IItS IJell _ U b T,Li.ac:o ;rr."ur.t (I.' Pili' 13j
R.nlaJ "lIl'51ote, royoltlu, pllrln.rahlpl, S COrpo'lIUona, lrusl., ltc, Attach Gch.dule E
FlIrm Incom, or (10151). Attllch Schedul' F ,.. , .
UnempllJymltnt compenlOhon . . r . I' , . , . . . . . .
500101 locunly bonef,l, . I 20. I '---J b Tlltoblo omounl ('.1 pag. 141
Other In como Ul.:llyp. ond omounl-... plge16 '..................................
i Ob I'
22
.....................,...."........................,....,................................
Add Ihe Qmounta In Ihe far II hi column for line, 7lhrou h 21, This Is
23
24
25
28
27
20
29
30.
our totlSllncoml ~
ell. No, \, neB
Form 1040 P0911
Fe,," 1040 (11JUn
Tax
Compu-
tation
II you wlnt 30
111., IRB 10 37
flgur. you,
lax, ... 30
pogo , 8.
39
Credits 40
41
42
43
44
Other
Taxes
Payments
Alluch
Form. W.2,
W,20 and
, oo9.h on
th,'rom.
Retund
Hav.1I
dlte<:lIy
depoalt.dl ~
See Pllll' 27
Md 1111\-1 82~.. d
G2c. Md 82d, ..J!3
Amount 04
You Owe
Sign
Here
Keep. "opy
,,' this relum
10' your
records.
Paid
Preparer's
Use Only
"IVI :2
33
34.
Amount 110m IInll 32 (adju'lld grolJlI 1I1CQn,,) , . . , , , , . . , , ,
Chick If: 0 You ",,,. 88 0' uldll. 0 Dllnd: 0 IpOllu "'u Illl 0' 01011, 0 1111",'
Add th, number 01 bO.1I check.d uoo.... Ind enl" the tolll h.,. , .. 341
,,~~t~
~~
~.
~
\~':\~1.
~~
.~~~~~
~~i~:
b II you 1'1 mlrrlld filing Uplt.llly IUld your lPOU" Itlml,.. deductlun' <H
you wer. I dUII.,t,lus IUln, ,.. pni: HI IlId chick hi" ,
IIl.mllOd d.duotlonl 110m Bch.dul. A, IIn. 20, on
.:Ie Enter Stlndlrd deduction .hown b,low ,,,, your nllng elIIlJI, but ...
Ih. plge 18 If you ch.ckll1 Iny tx)M on Nil. 3.4 I or a"b or 10m'llne
'ltg., tin claim YOIJ II . dependant,
0'
your: · Glngl..-$4,'60 . MllfJled Ollnu joIntly 0( OtJIIIlI)'lnU Wldo'htltt) ..to,IIO!)
· Hud of houuhold-$lj.OflO . M.r,ild flUnU IIPIIIl,ly--&:l,"'OU
Sublroe1llnl 3~ I,om II". 33 .
II Unl ;l3 I, $00,000 or 1111I. 1nIJlllply 12.600 by the tol.Il\\JIIlUlt 01 ...mpllon, I:I"hll"'llll1
lin. 6d, It 11111 33 III over SUO, GOO, UI the wor1l..t1..t on P'UI HI for th. WllllUIlIIlJ 11I11t ,
T...bl, Incoml. Subtracllllht 37 /tom IInlf 311.111111.37 II 1I10r. 11111111111 JIl, "111m .0.
To. 50. PIIIJI 19,~heo:k ""'LI.O!,.I!'''~!_Q 1'011"(1) 88!..L._b.lJ .~r!",,~U'.2 . .
Credit tor chlkJ Ind dep.nd.nl C"I I~PII1I". Allleh Form :2441 .JQ.
Credlllor .hl 'Idllly or Ih. dlnhl",. AII"h r,ch.dul. 11 . .j.'..
Adopllon credll. Alloch Fo"n 8839 . . ~l
Foreign 11,l( C/ldll. AIIBCh FornI 11111 '" .~~t
Clhor, Chock IIIIolm . 0 Falin ,Hill) b l J hllm 8JUO ;,;".
cO Fenn aOOl d [J FOIIII (!rH~:I',1 ..'. __ _._~,~_ 44
41S Add IInll 40 IhfllUUh "4
40 Gubl'lc1 tlnl "!!!..~!~.~O~I!..t!I.I! 04~J~_.!!.'.':l!~~,!!.'!.!J!!!~a_~I.!'~I~!_ 0. .. _~...
41 S_Il..,mploymlnl tnk. Ntleh Schelll!11I fiE , ~~t
48 A11.m"llvI minimum 11lk.. Altdl;h FIJrlIl 6;lbl .~,~____...._
48 Social MCllflty IIld Medk:A1t IAll on 11f! ~lCO"H' nol "I>Of1td 11) Imph'>YII, Alladl 'UIIII '" 1 J, 40
ISO Tll.lI on qunllrl&d tlll/omlnl pIn". ~tlrllJdll1U IllAa) Ind MaAl. "Uaidl fonn 6J:llJ I' 1I111111.tJ JIQ_
&1 Ad..,.anc. ",uned Incom. clldll plymnnll horn Fmmlll) W.'J. , _~_L
52 Household Imploymlntl....llI. AUBCh Sehlljull H, . 152
03 Add IIn.. ~8 th'ougl~!I.2:.1!"-I.!~YU"ftO!'l.!'~,._.L.:.._,-.,_ '..:.. :_-.'...m'. . ..' ~. ~~... .~,~..-.1'
... ":\,,,,~~
54 FtderyJ Incoml IClX ,^IIhhold hun rum, W.';. II11J tOyg , _~_ ___. _ ._ .. ~,~'"'
815 10g111I1rnQl.~ Ilk paymlntllllll ImOll! IIFpl>'d 1'0111 10Utl /lllJIrl , ,~~". ._.._____.M'. .~\~\?
15e. Earned Incoml c'ldlt. ""Ich 5dllcJUI. lie II )L'IJ t"l1..1. QUlllf)lng ,~~:~t~ ,~~
I J I ~ '~l
chad b Nonlu.bl, larnelj InCGl'l' 1'11011'11 ~ ._. .'m._ ._.__ ~~~ ~,~
end 'yp. ~ ....,...... .... ....,. ~o~. n _ ~~'S
Amount pBltJ with Form "'B68 (lIqlJ&'1llof 1.11.1.11111011) . __~!... --.__ .._....~. ~~~ ~~*
E.llc."" IOCIBlleCUllly ond nll1 A In~ withhOld tn. PIU' :J T) _~B _ _... _ ._______._ ___" ~~
Olherp'ymll1l1 Chick II "om .1..)1,,,,,11.19 bl.JForm4lJ8 89 1~
Add lInea !>4, ~~, Mn!..l'jl',.~~_I!~!i_~'1 n!~.~_e_.n~~.~~l~U~~!J!~r,~~~!.l~.~__H!"_ ,2_.,..',..._'..__!Y__ ._.~~_ ,__~~4. J.!I
II Un. 60 II mOrtllH11l111l1 ~d, IIulllrBI;1l1nl ~.1 110m Un. 60. 1111. II Il1e 1111011111 ~o\J OVERPAID .__~,_..
Amounl 011 In. 01 you.~'.nl nEF~NDED !OY.OU. . . , , . , . .,,~~
b ncutlnlJ lll./fI1b.r [J_.,LC1. I I. I J.. 1 .. c 'I ype: ['1 (;"11:10.1110 lJ finvtnu, ~\\~':
Account number [ITTTf r[JTl_[]~rrI]] t~~
I I I ,~'"
I.m'u,,1 ol~I.'~~'''I~W.I!DJ~-,01J8'1Il t!!I~~'!jl-'~K..8J, _ ._.~,>j)"
II Une ~31a mor.lhln line 60, lubtflr:lllnl eo frorn IIn. M. TIIII lalli, AMOUNT YOU OWl '~~ ~
For dMIIII. on how 10 pay, "" pnon ~\, , . . , , , , , , , ,.. 04 I
:on"", ...~~"':~
es E,Umlllod IBX penally, Alllo Inr:lur18 ~n line M ~L!.LL_~_____. .ili.~'"" ~~~ '
Una., penal\!.. 01 Plllul')", I O.(I....lh.11 hll~' U~Ptllll.(t Ih1l1l1iJ11l .ntJ .'lillllplll~II\II'l,h"IIII" .nd 11.I.m,IIII, 'lId In Ih. b.11 or Iny knowlldgl and
b.h.I, lh.y III vu', ton.!;I, .tHj compl.l. Olclll~1l0n QII)I'PII., (olh., lhln II'Plt~III!1 hltllll on IlIlnlormllhm 01 .....hkh pr'PIfItf hu .ny knOWledg..
~ ~b
o
)
'~:.,
::~:~.:~
.
&7
Illl
&9
eo
01
&2,
Ull.
'f'lllJf occup"U)ll
UiI
t
..) ('(: tiPOUI'" ~~VP.uon
,~ L'd~i'" em
, Prlpall'"
C""r.1I11 r .
}~I.'~pl~r!'L~!'- j) T ~ L.J (J l :f f' ~ f'
_ ..._._.__ EIN L ..I h ,,. f,{ "'XI--
liP Codl ......
1l.1.
Jlf./!J"~H
iUlr.k,Wu l.aIIIIYJ".
._1117 II MArk.1 SI
Mftchlnlc.burl. Po. 1711~'
o
G2
SCHEDULES A&B
(Form 10401
Schedule A-Itemized Deductions
(Schedule B Ie on beckj
=.:'..:=~ (1o?i1 ~ AUach 10 Fo,m 1040. ~ Ilea Inllluctlonl '0' echldul.. A o"d B (Fo,m 10401.
Naml('l'~ on FOI'm lo.tO I....
~" ../.-/ r' "- I ~"/1 .
Medlcel ClutJOI1l Do no/lnclud. ''P'Il$I' IIlmblJlUd Of pIld by o/helt.
end 1 Medlcll 8I1d dlntol uplnlll (lie pe e A.ll, . . .
Dentel 2 Enler Imount hom Form 10~0, line 33.
ExpenD" 3 Multiply lI"e 2 obove by 7.6% (.076). , , , , . .
4 Subtroctllno 3 Irom lI"e 1. If IIno 3 II moro Ihon IIno 1 onllr.().
6 SIDto 8I1d locollncome tlll<OI . . 6
8 Reol 'Itoll tl\)(eo (soo pOOl A,2). . , , . . " 8
7 Perlonol proporly lues, . . . . . . , . , , ~7
8 ~~~~.~~~~~.~.I~.I.::.~. ~~~. ~~~~,~~.~:;?r.::::;?:~;:~ ~
U Add IInll 6 through 6 l-'-' . , " ....
10 Home mollgage Intlllll and poinll reportsd 10 you on FOlm 1098
11 Home mortgogolnlOfI.t not rlportod 10 you on Form 10U8.11 ~.Id
10 tho perean horn ..hom you bought th. home, ... pagl ,..3
ond .how thol po..o,,'. nome, Idlnllfylng no., IIld add.... ~
Tax.. You
Paid
(Stl
paUl "'2.)
Intereet
You Peld
(St.
p.gl A'2,)
No..r
P,raorW
Int"Nt II
"01
deducUbI..
14
Gltte to 16
C herlty
II you modo I 18
gl" and gola
bononlfor II. 17
'M pegl A,3. 18
Cllually and
Thef1 Losm 111
Job Expenm 20
and M~I
Other
Miscellaneous
Deductions
(5..
plgl A'5 ror
l)Cpenau to
deduct hlrl,)
23
24
28
28
Olher 27
Mllcellaneoul
Deductions
Tote'
itemized
Deductlone
................................................................
................................................................
................................................................
11
12
Polnll not roporlod 10 you on Form 1 C96. See pagl A,3
for opeelal rulelJ . . . . . . . . . . . . . .
Invlltmonllnle'aal. A\lach FornI 4962 II raqulrtld. (Soe
page A~3.) . . . . . . . . . . . . . . .
Add linn to Ihrou h 13. . . . , . . . . . .
Glnl by cosh or chock. II you madl ony gift of $250 or
more, lee page A.3 , . , . . . . . , . . ,
Othor thon by c.sh or chacko If ony Olfl 01 $260 or morl,
sao pogl A,3. You MUST olloch Form 6263 II ovor $500
CBlryovlr from prior yaor
Add linn 15 Il1rou~h 17. . . . . . . . .
13
12
13
21
22
Co.uolt or Ihoft "'SS(II . AUach Form 4664. (Sao
Unrolmbursed employal e'pansls-lob trovel, union
dUBS, lob oducatlon, ItC. You MUST altach Form 2106
Ol' 2106,EZ if ,equlrod. (Soe pa~e A.4.) ~ .........,....,
,lJ.~!, lP.':!.. D.I). f..'.." .~.Q.6.,!=;tJ..,.,.,...........,.,
. ~ f, .eh,. .f.~oJJf..... .'7tJ:,f/!J...,."..",....,..,..
Tax preparation t.ios . . . . . . . . . . . .
Olhar e'ponlos-Investmsnl, .ofe depollt box, Ilc. Ult
typo ond al110unl ~.."..""",..",,........,......,......
................................................................
Add IInel 20 IhlOugh 22. . . . . . . . . . .
Enter amounthom Form 10~O, line 33. U4 I I
Mulllply Iln. 24 obovl by 2% (.02) . . . . , ., 28
Subtroclllno 25 Irom Ilnl 23. IIlIno 25 Is moro thon line 23 enlor .0.
Other-from 1151 on page A'6. UII type and amount ~ ...........,..,..........,....
.. .......................................,.. ............................... ........~...........
28
II Form 1040, line 33, ovor $ I 21 ,200 (ovar $50,600 II marrlod filing aoparotaly)?
NO. Your deduction is not limited. Add the amounts In the far right column }
for lines 4 through 27, Also. antor on Form 1040, line 35, thllerg., of ~
thll omounl or your slandord deducUon. .
YES. Your deduction moy ba IImltod. Soo pego A,6 for the amounlto anler.
For Paperwo,k R.ductlon Act Notlcl,..1 Fo,m 1040 Inllluctlon.. .
ell. No. , I3.)OX
147
eMU No. IIU5.0074
~@97
AIlIc:IvTI.nl
StQVll\C, No. 07
'rOut' locl-' ItGurtly number
~.t! :..r
Sch.dull A (Form 1040) 1897
SOHEDUU! SE
(Fonn 10401
Selt'Em~'~yment Tax
~ ... InlltNoIJo", 10. IcIlodull II t~orm 10401,
, ..-..,.-
~ Al1loh 10 'orm H140,
1/fI'!-flWl! on Form. 1040) 80dol "cUllly numbot 0' pI"on
t. t'lc'I, willi "N..mploymlnlln.om. ..
OMQ No, , "',007'
~@97
Altlc:tvn.nt
Iloou,"o:o No. 1 T
Who Must File Schedule SE
You mU'1 nit Schedull SE II:
I You hid n'twnlngl from ,ol'-Imploymlnl from othor thin church Imploy" Incoml (IInl 4 01 Short Schedule SE or line 4c of
Long Schedull 5E) of $400 or 100(1, OR
I You hid cI1urch ImpIoYI' Incoml of $108.28 o. mOil, Incoml from ..",lcOl YOll plrlormld II . mln,oler or a member of a
illig Iou. order III nol church Imploy.. Incoml, S.I pig I SE-l,
Nolll EVlIf1 "you hid I Iou or. 510111 .moun, ollncomllrom ,"'o.mploymlll'. I' m.y be to your benolll to I/Ie Schedule SE and
Ult oIfhw 'opUonll mal11od' In P.rlll 01 Long Schedull SI!: SOl p.gl SE-J.
ElLcepUon.lf you. only ulf-employmlnllncomo WOI 'rom larnlng. "I n':InI.I". mlmbor of , .ellglou. orde.. or Ch.lotlen Sclonce
p..clltlon" and you IIIld Fo.m 43U 1 end received IRS approval nOlto b. laXla on lho.a lemlnga, do nol file Schedule SE. Inate.d,
write 'Exempl.fo.m 4J81' on Form 1040, IIno 47. .
May I Use Short Schodulo SE or MUST I U". Long Schedule SE?
0'0 YOU IIICIIVI WAG" 011 "PlIH '11"
H.
v"
Nt VOU . mlnl.al.tt, memb" of. r.llglOul OIl,JIf, Ot eM.II'"
~~,*ho'ICII'ItOIRS.~pro';Alno'IOb'W.1Id v..
on MmIngtlrom \hMt lCAJlC", but ~ou OWl ..II.....npluym.nl
loll on 0<11.. oon;r,gal
Wu \hI loLal 01 )'OUI' wig.. II\d lip. ~bjllr.t lO IOClII .ecuruy
Qf' r-a;jIOld reU'fmenl IIJl plUI )'OUl nit 'Im~gt "om
NlI.ttI,plo'r'mlllllnort than M8,1I0';l?
v"
H.
M ~O.l U&V\Q one 01 Ul, cpUonal mtthoc,lo Ilg"rl )"l.ll.af nil Y
IIITingo (... _81-311
No
N.
No Old ~ou IteM' Up' lublect lo toelll ucunt)/ or Mt<lIClt' tax V"
!hIl YOu did not reporlLQ YOYt ImplOyer1
Old you rec....... church emplOV" Income (IQO"~ on 'aIm 't'e
W.2 of '101.21 01 mOl"?
Ho
YOU lIAV UIIIHOAT ICHIDUll1I BILOW
YOU MUIT UlIlONQ ICHEOUll 01 OH THE BACK
Section A-Short Schedule SE. Clullon: Read above to a811 If you can use Short Schedule Sf.
1 Nil farm profit 0( (1011) from Schldull F, IInl J8, IIId farm plrtnBflhlpl, SchedulB K-l (Form
1(65),11n1 101 . . . . . . . . . . . . . , . . . . . . . . . . . .. 1
2 Nil profit o. (1001) from Sol1Odulo C, linl 31: Schedul. C-EZ. line 3; end Schodul. K-l (Form
1065),lInl 15, (0111.. then larmlng). Mlnl.t..1 II1d m.mbB" of rBllgloua 0,00", DBe pBge SE'1
fO( amount. 10 ..port on lhl, IIn.. Sel p.g. S~'2 for olhtr IncomB to report. 2
3 Comblnl 11n.. I 1110 2. . . . . . . . . . . . . , . . , . . , . . . " 3 .
4 Nil 1,,"lnp lrom ""'.mplo~mlnL Multiply IIn. J by 92.J5% (.92J5). If leoe then $400,
do nol nl. thll ,ch.dull; you do nOI ow. self'lmploym.nt tax . . . . . . . . . . ~ 4
8 Btll..mplovmenllu. If lhl amount on IInl 4 I.:
I $86,400 or I..., multiply IInl 4 by 15.J% (.15J). Enltrlhe rnult herB and on }
Form 1040, IInl 47.
I MOl. lhen $eS.OWO, multiply IInl 4 by 2,9% (.029). Then, edd $8,109.80 to lhe
r..ull Enltr lh. loll/ h... II1Q on Form 1040, II". 47. .
· DeduoUon lor on,ohd 01 ""..mplo~mlnt tax. MulUply IInl 5 by
50% .5. Enter till ..lull hi" Bnd on Fo.m 1040 IInl 28' .
'0. PIIMrwortl IItduolJon Acl Holl.l, OIl Porm 1040 InolruolJon.. e.L No.1 ,311Z
8chtdul4l IE (Form 1040) leer
Profit or Loss From Business ""'"" ,......".
(8011 Propti.lorohlp) ~@97
~ P.rtnor.hlp., lolnt Vlnlull., 110., mual JIll form 106G. AIlot;Ivnll11
~ Alt.eh 10 form 1040 or form 10041. ~ 1I..ln.lrueUon. tor lIeh.dul. 0 Iform 10010, &.qUIll.. No. 09
...... ..e..'~ -11lH)
/ :r 7' ! ~.rf rJ:.;r
D Knlor P.lnolpol ua '" cod.
(1M ~'g. c.f) ~ ~ 7 G:.
D Implo~" 10 _IIlHI, 1111I'
!
8CHEDUU! C
(Form 1040)
_.....T.-., ""
---...,
Namo 01 ..._
...
J.
o
BUlIn... naml. H no "pwltt butln.... nam., I"'VI blink.
E Duolnoq Iddr... Oncludlng .uhl O"oom nu.) ~ ................,......................,...........................,.......,..,......,..,....
City, lown or pool oHlcl, .1011. 'nd ZIP codl
Aceounllng mothO<l: (1) 0 Cuh (2) 0 AeeNoJ (3) 0 00 It (lplClfy) ~ .............................................,....
Did 10U 'malll11111 Pllllo:lp.I.' In Ih. oporollon 0' Ihl. bu.lnl.. du,lng legn H 'No,' .11 pagl C.2 'or limit on 10..... ,0 VII 0 No
,t ou .lllted Ut Ie ulr.d thll bu"lnlll dU/1n ,QQ7 chlc:k h.". . . . . , . . I I . , . I . . ~
ncom.
G.OII roc:alplo a III... O.ullonllllhl.lneoml .... ,.port.d to you 0Il1'0ITTl W'2 and u,. 'S",utory
ompioy..' box 011 u,.t /0,," .... checA.d, ... pogl C'2 ItId clMck h.ro ~ 0
2 Rotu,"" IIld IIl0wl11e.. . . ',' , .
3 SubUllClllnl 2 from IInl 1 . . . . .
4 COil of goodl .00d (110m IIn. 42 on pogl 2)
6 Oro.. Plont. Sublrlc1l1nl 4 flom IInl 3 .
, 0011 lnooml, including Fld"oJ IIld .1.1. guolln. or 'u.llax Clldlt or IIlund ('M pig. 0'21
7
Oroll Income, Add linea 15 and 6 , I . . I . . . . . I . . , . . " ..
Ex .n.... Enler ex enses or business use 01 cur home on on Ino 30,
Ad'1Illelng . . , . . . 6 U PI/1Ilon Io'ld Plont'......r-.g plane
Bod d.bl. flom III.. or 10 R.nl or I.... I... p.g. 0-4):
.lMe.. (- p.gl C.31 . . 8 . Vo/\lc~, fl\IChIwy, 0Bj .qu\>1W11 .
CI1 ond Iruck "pon... b OOor bualn... proporty .
(- pogo C~). ...J.!. 21 Rlpol,. IIld malnlonlllcl ,
CommloalOlllllld '"" 11 :12 Buppll.. (11<lllncludod In Port 1111
Dopl.llon . . . . 12 23 Tilt.. and lIeon.... . .
Ooptoclolla1 ond MCIIon 17g 14 Tro,lI, m.II., IIld onlln.lnm.nl:
"_doducllon(nolncludld . Trl'" .f~o ~ .?t..5
In p., Ilij '"" pogo C'3) . . 13 b M.all IIld .n,
Empl01" bo".Ol p'ogrln" I.nalnmonl ,
(Othll than on In. Ie). . . 1 0 Enl.. 1011 0'
11lI<nnc1 (oth..than h.alth) . 15 \no 2~b .ub/oct
10 Ilmltollono
lnl....~ (1M p.g. c-II ,
MortglQ' (paid 10 botlM, .Ie.). IS. d Boblrocl in. 2~c 110m I~. 2~b
Othll. . . . . . lIb 21 UlUllI.. . . , . . .
Loglland plorllllonal 21 W.g. 0.. 1I11~I01monl elldltol ,
.lMeM. . . . . 17 27 Olh./I.p.n... (!rom 11n. 46 on
O11IcI.. on... . . 18 P.gI2) . . . . .
TOlalupon... belOf. "P""''' 'or bu.lnl.. un c, ho'll'. Add IIn.. B through 27 In eolumlll ,~
8
8
10
11
12
13
14
16
16
I
b
17
16
24
28 TlIIllI1I" pront 00"). Subtrlct IIn. 28 from linl 7
30 EJIpono.. 'or bulln... UOl 0' your horn.. A1l1eh Fo.m 8828
31 N.l prolll or (10"). Sublllelllnl 30 f,cm IInl 2g.
I ~. pront, onlll on form 1040, Uno 12, IIld ALSO on 8chldull 8E,Uno 2 (1lllUlory omploy_, }
- pog. C'8). ElI.I.. ond IruoI., Inl.. on Fonn 1041, IIn. 3.
I ~. 1011, ~ou MUST go on 10 IIn. 32.
32 K you hi" . lOll, chock Ih. box thot d..cnb.. 10ur In,..tm.nlln \hi. .ctlvlly (... pIg. C.8). }
I H you c/)eckld 321, 11111( Ihl I".. on Form 1040, lint 12, II1d ALSO on Beh.dul, BE, Unl 2
(.I.lulory ""pi01''',... pig. C'S). Ealll.. .nd lNaI., .nlor on Form 10041, Un. 3.
I W ou chlCkld 32b, ou MUST .1I8Ch form 81118,
For PlporwOI1< Rlducllon Acl NoUe., ... Form 1040 In.ltucllon., e.L No. II~P
1
2
3
4
1
.
18
20.
20b
21
22
23
2~1
~d
21
2
27
28
28
00
01
3210 AHln,..lm.nl II II rbk.
32b 0 Soml Invoslmanl II nol
01 risk.
Beh.dull C (Form 1(40) leg7
. Controlllumb.'
,'I r" U 1
Iii
tJMU No '~"/)OI)OI!
. -b -8;1l10y;"'~;J-;;;j;",;Cot;-on';lUIl~bUl
" 't ~.11 ~Hd.c'
-.-'--+--'-.-'-."--'-. _.- -- ..-..--
.-c Employer. IlllfTl', Itdlj"'II, lI1ld lIP (l,)(II)
':M'lllll IIlIlill 1l'."'l'il
,.. II. "OX :1;'
II:HI 1411111<1"'1 WI nil T
I I' till '!11l~
I'll IIlIII:J
d Employ;e~I-;;X;ltil;CU',i1ynu."lbQ' -- -..
1')/ 11) III t:,
--~-------_... +---
. Employ;;;;-n.uno,- BuuteU, Dnd liP I;olje
VIIINII L, IIUI".;IIIIII
;~ 1;!1l 'IIH.P-WI UIl.. IIPT III
II ^,ltU !illllfl (\
I'll 17lLll
,__..t-_
HI Slit' Employer5 Il.IIht I D. No.
~ :.~J.. .J.::. ~ ... .~.~.: ~ .;.'. ~'.. _.. _. ...... ...
3 tiO(l1l1 ~I.'UJI,ty V.1\lJl'h , :.,. "jl tI', ,,'d) '.I~ 1'>1111111.'1')
,1'1 . U.I .' I I
5 MI'.II(IlIl! ....'I'p'h ,11") lll_~ . th"lo'1l1l' tj\~ .....'Ulhl.'!il
1 '1 1111 , ',/1
7 1,,)1.'111 bI" IIllty I'F" 5 Ail"..\\l.,JI'I'b
. \Ill .IH\
lJ\'om:n pllyUIl!fl1 10 lJl..~JlJIUIIIllI GI/If 1~l'nI.'IIIII
.OU .10\1)
II NOtllllJOhhl!ll Vlllll!> II Cl'tlUlllll IIIc!uIJmi UIlJ.).. 1
. (Ill . (Ill
-
13 6111.' hlbl,. ICI UU~ 13 U 0111111
I' .011
,.
t5 et'!YlOiYcll(ea~iii;o;lle<}ll "~t:iO-+-~Ofie<<e:d--
ff!lplO~" pia,. ftp ffllll COOIf)fnWIIQI\
...---.-.-----.. ,.--
20 l'Yl: ,1I~fl !I~~ utt
.11 (HI
17 51.tl ....~.. t~, ftt
H.110
T.S;;;'inc';;;; IU mcXBl;i;'mm4-
I . ;, a I lilt III ~,1I11
1 W.2 Wlgl Ind TI. 19 9 7
6111"111"nl
. Control number
OMO N,) l/5MiOOOe
b Employer'. IdeNllil;allon number
e3-172S002
.---.------..-.-
c Employ.r'I.nam~,. 'ddr~ll~ ,I{ld ~I~ .COdO
PERSONNEL pOOLer ALLENTOWN,lNC
DBA ~~DICAL PERSONNEL POOL
. U46,~. .. CEbAR CREST BLVD.
Al:,LENTOWN, PA 18103
d EmploYI!It'5 10(101 611CWlly nUml)l!f
197-'+0-7013
. EmIlIOYllO'!S name. lI(jtJIIHi6. Ofll! liP <..01)0
VERNA L GUTSHALL
2120 QUEENS DR,
APT,1 .
H~!3i '. Pi:! 17110
~ - I ,.. ,,'
~. .. '. " \
'. . .
.-JI.I I.' ~';J,~.I": of. ,,"/'1', ,".~' . ,t
__--L._______._
11 Sill. Employer'lllate 10. No
PAJ 39-1:5861
" ,
."
2t l'Jilll./l(O't11 !,ll
. 1.'
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12 lh.flluhls Included In BlJ~ 1
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--_._~_._-
2t lOUllr'K.-nmttu
1.08
38.5.0
I :;'pllttrrllmllil Hill fr",IM",. Illlmllnl H"....lI\lltl Sl"\ik~"
~I1No I~r,.~_.________.
19 9 7 TiiWiii."c~!.)' l'fl'
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ag.. 'PI. III II tomp.n.1I101l . ".11W:0t1'I. &II wi It
;5.00 .00
Expr.aa S~rvic.D, Inc.
0300 NW Expreeuway
OkluholM City, OK '/31.12
11(' IJllflll'"
.00
, tklc~.It...,..Iflo~"
4\,00
r.....d;i:.nllli1l...noJllp.
I,r).oo
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2,79
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-- ,.-0-,;.,-_...----------
;- E,;;p;o)..... Mm,. 14~"', and III) cod'
V'Hna L. GIJtBhall
2120 QIJIf~n" Orh..
00000000 b Emple~.r" ~.ntlllcllhon IW.lmbll -
61,0909680
d EmplOy.... lOCI. .IW'11l' ~mb.,
191-40' 7013
. "1"1:' K..... 'r.~tl'" ~i,' -- U:,i,-';;i"I,.ir-htr;'H
..", -1.': _'_Lj' I' _ Cl'.>'___
1661.. ~mplor,,,,".'IO No 176tIl.wrttQ",IIOI,l4t I' 61.. lncom, tu '.Loc....,./UItl'l. ?OLoclll'IdG..,I~.ett 21 Loc:IlIIIKDm.11U
PA 840909680 45.00 1.2~ HARRISBIJRG 4j.00 .46 ____
CopyUo f1Iotl WhllEmploy.... flDERAL Tu Rolli,. (lloo Nob Oft ...'1Lf- - --- o.p.nm.ltlollho T......, .1-...1 R...... eo..k:e
9'1273
lIarr1abut'l. PA
17110
I I~H"" _w, WlWIU. .... 11_ (*
NORREll SERVICES INC.
'300 MARKET ST
SU IfE 2
lEHOYNE, PA 11043-0000
00020325
..""nu', J<< IU...
191-40'1013
.,.,."11'....... "*'U, ..11' CIII
VERNA l GUTSHAll
2120 QUEENS ORIVE
HARRISBURG, PA 11110
58-1019429
ICOPY 8 TO liE FILED WIfll EHPtOYEE'S FEDERAL TAX RETURN
13511 fOHN W-2 WAUl AND UX 5UIENENT \'97 ..... "" II..
H", ill
I 180.38 11.86
.. II IN~
180.38 , 11.18
'NIue," IUo.U. I'" I' .tlu.... In 1111"',
I 180.38 ' 2.62
, uc UtUllh Iln t . ...lkJn. "n
I
11.1...
I
II "'1"11 "UI" ....... Uw u, bnll"_ tw
I ' I
II UIU lUut. II", .It. \ pi 11m lilt.. Iu
180.38[
11I'''1111II' /If I. tUUUlr'I.II'>>~ ....... "hIt!
_11114
I
IHD TAX
I
I" "*" 11lU,l.lh
5.05,PA HIDDlETOWN
I' ."1111I1 n., ".'111
10.00
IIU.III1I&1...I....1
I. "" 01 ..".
I PENNSYL VANIA
U ICltil. ..v. II", Itc.
180.38
........'1 atUll..,
I"'.. '0. '"
1. 80
- -- ---------------------------.---
Form W-2 Wage end Tax Slalemenl 1997
Copy I, 10 b, fll.d with .-ploy..', FEDIRAL ,._ ,.tu,"
. OIIUClnurnbll
0028-79350205-000011
"-'ljI~l;i, ---Ili...lil--'l.i~..- .nr.r-'w,l'i l'.Alilr-~li', I
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b ,..."..." ,,,,,,,,..,... ......' , 1"'1"1'" 10' ." II.... " .....~.'
23-2282172 191-40-7013
13 5;,,,,iii-,--"o.-'lio.-if-'-- "4oiiiH-'~-------~
f'jIlIlrnttfll 01 th In'l/I~. InlPln,1 ",till, ~'h'U
l~!I!:_~!I.~~~~~.,_~., _".. _ . . .
t Impro~"' 1\.".,. ""'11, III' /111 loh
GARRET ELECTRONICS CORPORATION
149 GEARY AVE
NEW CUMeERLAND PA 17010
'9" Ilia 0111" UI,~,nUhOOl
44,00
"'Ul Ullom, In ""'I .~
'i1mplijy;.'-n.m~ .iil".. ..,rll~' (0-41"-'-
VERNA l GUTSHAll
2120 C'JEENS DR APT Al
HARRISBURG PA 17110
3 50l.I,I l,ru"l~ ""tl]U
44,00
b'M;~II;,..w..;;i'.nillpl .. __un
44,00
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4 501.1,1 IIt"ll~ III 'I'ollhh,I,
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OIIQUI II' ptrli In ihn,llll',nllu"d in'lloi-r
- '-llO lojil-;"lij;l-iIP~~I~-o~' 1"11 iOIII-;nl-om,iIU ,401
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RACI RITE DISTRIBUTION CENTER I
PO BOX 3165
HARRISBURO PA 17105
1_~l97
"I~1l ,;.; "'41- ,~~ M
ThllIn'ormtUOIlI. brln. tu'nlahtt4 10 tIl, Inlltmll "'~II' 1In<1c:,
n.. ""''''"nl ')'"'" ""U" .In.,,,,., Il.v""".I;...~",.
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b I "'1 ,. ,~. I ,r~. ,..".,." ..."..
23-1906110
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208-42-2593
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29984.42
., " '- ". '29984 .42
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29984.42
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2667.43
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1859.03
''''''0;'''''''''434.77-1
1........1''1''
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00040
RONALD E OUTS HALL
106 LINCOLN STREET
ENOLA PA 17025-2~30
10 i ;.."~.,,,~, I'. ."" t..,.;;,~
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29984.42
II~:'::~ I J:...iX.' (1;'- ( I::. II:
'839.801'" - WEs'i SHOR I'"
[ I
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PA 40 . 1997
PENNSYLVANIA INCOME TAX RETURN
970010],0019
OFflCIALU9E Qf.ll)'
CommonWOliIh 01 PIM.,I'MII PA Ilopll1menl 01 AlVlnuo
FlocoI YIII FlIo.., 1iI1.ln \hI. o,al FY beglnn"g -----.1--.J 97;
PWSE PRINT IN BLACK INK . and I",Jlng _J -----.1 9_;
. ~ 00 noc hive. 00I11d f)/1p'lI111oj label. ,I\!ljf aJl ,I tOll1l411CWl n lilt IpICU ~ PM! 0f'It 1tI1'1 Of IUT"CtI ~ IICtl
Yo", Social s.a. Numbe, SpouII. Soclol SleuII Numbe,
f-'I rn
.......... ". . ~ ...
c::J
U...I..Obl'" '01. Ij)ICt
IIthl. I. an AMENDED
ralum, IIII.in lhll OVlI, ... c::J
I.lJ
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206-42-2593 GU
RONALD E , VERNA
GUTSHALL
lOb LINCOLN ST
ENOLA PA 17025-2530
197-40-7013
L
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You, Firat Name
SpoUII'. Filii Naml
MI
o
MI.
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Fill In only one oval
R c::l RIlldtnl
NR c::l Noo.AlllOtn'
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A'IkS.nl
a- hom -----.1-----.1,97
;:;'0 -----.1-----.197
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mmZIP Cod' Option for I 199B Booklet, II IOU. DO NOT oanl I
I !Xl! Tu Booklel n..t ~'&1, hU III Uli' oval II ~ou paid c::J
. pttp&ttt, t>>l " he Of 11'1, I, ullno thl. opIlOO
1M FII.r, Fill in only one oval: Loc.llnlormaUon, 5.. pagl IS, Enlor oh""IOO ,,,.d.. 01 OKlmbor 31, 'SS7.
S c:::> 5lngl. F c::J F,naJ Coynty:
Mynlclpallly:
M c::l M.",.d J c::J M.rnld School DI,'nel:
FII~g SIPStllllly FIling Jomtly CIIIlJ
o C=> 0 Dille 01 Dedlh' School Olalncl Code: Tholo CodOI 81' on page. 3J Ilnd 3.4.
eceaaed __'__.J 97 . Ent,r thl. InformatIOn Iven II ~ou dId not mO\le In 1987.
SSN, N.m., or Addr,," "hongl, II ANY ollh. abovo inlormation you onlorad i. dlHa,onllrom your
~... c:=J
1996 PA lax ,olwn or tho labal, 0' II you did nolllle a 1996 PA lax ralurn. fill In Ihla oval.
Sill'
- . '[[' , '[-' CIJ
.i.... w.:
YOU ar, flPOI'fJnQ , loss on un", 4, S, andar 6, 1/ In th, OVeI/lIl/fM' /h, approonafiJ amounts,
Dolla,a
la
lb
Ie
2
3
4
Clntl
'8 GlOM ~A T~ CompensatIon hom W-2 lorms and other ."a~e 5latcmenls ..........,........,.....
lb UnllimbulMd Employ.. Bu.ine.. E'ponoe.liom PA Schedul. UE . . '" ."..,..,... . .. .... .. . . .....
1 c NIt PA Taxobla Compen.alion Sub',acl Line' b 110m la .. , . , , . .. .. , , .. . , . . , .. , , , . . . . . , ..
2 PA Taxable Inlore.t. Complote and .l1ach PA Schadule A II over $1,000 .. . . . . . . . . . . . . . . .
3 PA TlIJUlbla Dividend.. Complele and al1ach PA Schedulo 8 II over $1.000 . . . . . . . . . . . . . . . . . .
4 Netlncoma or (Loas) Irom Ope,ation 01 8y.lne.., prolea"~~~. r.~ .f"~~..... '6
Ilcul
5 NIt Gain 0' ILoaallrom t~,~ Sa' a, Exchango, or Di.po.,tion 01 Property .,.............. c::l 5
Sa Amoynt 01 Gain Excluded (I,om PA Schedul~ PA'19) '."".", '.',. 5a
You Mu.' '11. IV
ApriI1',1H1
Lou
6 NIl Income or (Loasllrom Renls. Roy.llles. Palanla and CopyrlghlJ , . . . , , . . . . . , . . ., = 6
7 E.lal. and Truat Incoma , , , , . , . . . . , , . . .. . . . . , .. . .. , . . . .. .. .. , . , , .. .. , .. . .. , .. 7
8 Gambling and Lohery Winning. ,.".,',."..,..,.""""""".",."""..,. 8
9 TotAl Groll PA T...blt Incom.. Add Ihs Incoml amountllrom Unea l'e. 2, 3. 4. 5. 6, 7. and 8.
00 NOT SUBTRACT ANY (lOSSES) REPORTED ON WNES 4, 5 OR e. ,........ 9
10 CONTRIBUTIONS TO YOUR MEDICAL SAVINGS ACCOUNT <_Inltructlonl) ., , , ...,. 10
11 NET PA TAXABLE INCOME, Sublract Line 10 Irom Llnl 9",.".,."., ,.....,..,...., 11
12 TotAl PA To lloblllly. lIullJpll Uno 11 by U""IO.OUI. (n'''lou, II. duo hero end On Uno 13 011 iho noal POII'. .. 12
,,\,.
9700110019
EC
CT"l
OFFICIAL USE ONLY
Fe
lJJ
9700110019
.....I
.L
[[I]]]]
ft_"_ '1.
.-J
PA leNIDULI A/I/UI.2
'1701220015
"."'tot-Ifl
'''OI'Mtvl.ltIOlAI~I'''1J1
1997
L
Your 50cIlll Slleyr11v Number
nam"ll II .ho,"" on )'our PA lU, tellml
PA SCHEDULE A - TAXABLE INTEREST
PA SCHEDULE B - TAXABLE DIVIDENDS
II )01,11 PA 11..IlI'II'iI"Ullntom, II Q~" I' 000 compl't'lhll 10l.dul, 15"lh,
InllluttlQnl 10 )l.IU PA Iu !Joollltl tor \IIh,llnl,'ull. luab!. Qt .umpt. IIld12I'
Ilon,1 'PIC' II roIlO.d, .nlcn IIp.r,I, Ihutl
II )01.1' PA l.ulll, OI~liJ.nd Intem, 'I 0."" 000 Cl;mj:1tlf 11111 .cr,'dull S..
1t\llnll'u~llo"lln rour PA In boo).,.I Ie, I'IlIlIl tJl~llJ.nl.l' ml,J11 b, "11011'0 II tu.
.bl, II 10dllion,I '~'ClI' n"!JIIl .Illch UI).'III. Ih.."
Nlml Or thl PI V"'
Amount
Nlml or thl PIVor
Amount
$ I
I I
I S
I I
$ I
I $
$ $
S I
S S
I I
S $
S I
S I
Tolll PA r.ubl. Int,,"llncom.
l:IDXi:IITI Tol.1 PA r.ubl' DI~lcl.ncllncom.
Alllch Iddlllonll Ichldulu II nl,d,d.
PA .eNIDULI UI.2 109'''1 ALLOWABLI IMPLOYlI BUliN... IXPINII.
1997
Name of la..payer claiming those e..penSlJS
-R Or'/iJ 0- e.. (::; JI') h r7 JJ
Employer'a Namo
~I'" 'Or'i-lribJfio"
EmPlo~.'ttdd""
_1.0, 11a)(, "311,,"'5/ 1I..r.,..n'ibU~1
OelC;f1b. Itl. dUll" ollh. Job In .....hlch ~ou I"CUH.d Ihue e.pe"...
t.u'Uehf'_u<;t"lYI~1(] _
8.. Inllruetlon. for IIch tvP' (II ,.p.n.. In your booklet. IIp.n... mu.1 b. required "' condition 0' your .mplo~m.nl Ind It. MI ,.lmburUd,
PART A: UNION DUES. LI51lhe name 01 each UnIOn and amount paid 10 eoch Union. Enler lotal
PA
171 tJS
"'.m,'''mour.t
"'.m. A '-'mOunl
....m....mounl
"".m. a. "mount
PART B:
WORK CLOTHES AND UNI'ORM6. OOlclIPllon Ind e. mount. "lid CIOlhm\) mUll nol be IUltabl,
lot ....e'~dav uti
PART C
SMAI,.L TOOLS AND SUPPLIIS, 0''''11''10" and Imounlt plld Toolt Ind &uPplI" mutt nol b.
,,'O"'ldld lJy Ih. employer,
PART O'
PRO'I$S'ONAL L'CEN61 'US. MALPRACTICE INSURANCE. AND "OILITV BOND PRIMIUMS,
Ollerlpllon .nd amount plld
PAR r E.
TRAVIL AND MILlAGE, Enl" amount lIem 1iI11,ch,d Form 2106 II '1llmmg olh., ,.penllll
hom Line" 01 F(J,m 2106, d"crlb..
TOI,I Unr.imbur..d lmploy.. BUllne.. b"en...,
Add Pert. A IhfOUr./h E En'" her. and en Lme Ib of ~our Tin A.lurn
511"'811 PI. lehlduler. UE mUll b. 111.d II you hay, mo" Il'lan one
occupation IIndlOf your apoun alia Incur. .mployee bUllnllU e.penflQ5
L
'1701220015
pBg. 9
A ~
B ~
c ffiIIllJ
0 ffiIIllJ
E ffiIIllJ
lb ~
9701220015 -.J
8CHEDULI! C
(Form 1(40)
A
'1 <0.''' 11 ., l iJi<. /".~. //
Principal buolo... or p,ol...loo, loCluulog P'OOucl 0' .."'10' (.., pig I C'I)
Profit or Loss From Busln8ss
(101, Propri'lo"hlp) ~@97
~ P,,'n."hlp., Jolnl v,nlW.., '10" m"'llllt 'o,m 1060, _
~ AU.oh to 'o,m 1040 or 'orm 1041, ~ ",'o.l,uoUoo. 'or l.h,dul. 0 I'o,m 10~, 1Ioq"",:~o. OIl
14olt1 "o",11l -11lHj
/1'71 ..11
8 lor p,lno
(...p..r. ~ c::.
\) In>Po1'' 10 _(lIHI, II.",
i .LLLJ
Ot.ll No. 164I-Qg,..
-.....''-'t u
1n&errW""'..~ roI
Nam. 01 plOplilL<<
0'
B"*n... "IITlI. If no "pltll, bUlhl'" nam., I..". blank.
I Buolntu .udl... Oncludlng ,uNI or 'oom 00.) ~ ..........................,.............,..................................,................,
CIIV lown or OIl olllc. .1.1. lod ZIP COd'
AccllYoUng method: 1110 ClIh (210 Acorual 1310 Othll('PlCny) ~ ...........,.......................,......,......,
Old you 'mllllillly Pllllolpll,' In thl oportUon ollhll bulln.., dUrlog lien K 'No,' .., peg' C.210r Ilmll 00 10...., ,0 v" 0 No
II ou .11II1d or IC ul"d Ihl. bU'lo... dunn 1997 ch.ck h.II . , " "....." ~ 0
ncom.
G,OIl ,upla or ulll. C.u!Jon, II/hlllocom' wu "port,d to you on Form W.2 IIld lilt 'SlIItulory
""'ploy..' bex onlh.tt lorm wu ch.d.d, ... NO' C., tJId ch..k ho" ~ 0
Retuma IIlU IIl0wano;.. . , '.' , .
SubltlCl 11n. 2 Illlm 110. 1 . , . . .
COil 01 gOO<JI lold (from IIn. ~2 00 pig. 2)
I
2
~
4
1
2
~
~
II Ora.. profit. Subtract Un. .. flom 11"1 3. " ,.. I I
· Otharl/1(lQm., locludlog F.d..aI IOU .111. guollo. or lull I... clldll 0' IIluOd I... pig. C'2)
7 OrtJI. I"cuml. Add IIn88 6 end 6 , I . , . . . . I I . . . , . , .. ...
Ex .n.... Enter ex ensue for business uoe ot our home on on line 30.
· Adv.rUlIog, , . . " 8 10 PINloo and plont.1hIMg piano 1 g
8 Bid d.bla 110m Ill.. or 20 Rlol or I.... (II' pig' C.~l:
'lI'iIc.. (... p.g. C.3) . . 8 I V...Io, IT1lChno/}',1I1d oqUlmonl . 201
10 Car IOd lruck "P'o,,, b Othll bUlIn... plope,ty. ROb
(III pig. C"). . . 10 21 RlPIJrl and malotll'1anc. , 21
1 I Comml..lolll IOd I... 11 112 &ippU.. (oOllncludld 10 Pili 1/11 22
12 CIlpI.Uon . . . . 12 R3 T.... and IIcll'1.... " 23
I ~ ClptlClalJcn II1d 1101100 I7g 24 Traval, mll'", IOd lI'1lln.lom.ol:
"pin.. dlducllon (nol..../udld I T,.val .f ~O ~ /1 L5
In Part III) "" Pill' C"3) . , 13 b M..,. and '0.
14 Emp/oy.. b.olfll pl<>gllml I.~alnm.ol ,
(olharll\on on In, tll), " ~ . Enlar &011 01
111 IllIuronc. (Othll II\on hl&l\h) , 15 Ino 2~b IUblocl
to ImllaUOI1I
I' 101..111: (HI pIgI~) .
I Mortglll' (pllid to bin..., .Ie.). 101 d &lblr.ct Uo. 2~0 'rom Ilnl 24b
b Othar. . . . . . lOb 25 UIUllIII , , . . . .
17 Legal IIld P'Olllllooal 25 W.g.. ~... lmploymll1t 0'1d1~1 .
.lI'iIo... . . . ,17 27 Othll..p.I\...(lromlln.~80n
II OffIc. "PM". . . 18 pig. 2) . . . , , 27
211 Tot.alupolll.. bololl "P""'OI lor bullln... USI 01 hom.. Add IIn.. 8 Uvough 27 In columna ,~ 28
28 Tlrllollv. Plllfir 00"). Sublrlolllo. 2S Irom IIn. 7
30 UPf/1l.. lor bullo... u.. 01 your hom.. Alllch Form 8U28
~1 HII prom or (10"). Sublllclllo. 30 Irom 110. 2g.
· K I pront, IIltar on 'orm 1040,1101 12, and ALSO 00 8ch'dul, 81!,1I01 2 (ItltUlory ""'ploy_, }
III plgl C,&). Elllt.. IOd Iru.I., .olar on Form 10~I,"0. 3.
· K. lOll, you MUST go 00 10 1101 32.
:lo2 H you hlVI . lOll, chICk thl box Ihlt d..cllb.. your lovlllmlnllo lhIllc1lvllV (I" pig. C'O). }
· H YIlY chlckod 32., .0111 Ih. 10.. 00 'orm 1040, 1101 12, IIld ALSO 00 8eh.dult 81!, IIn. 2
(1Iltutory amp/ey,,", ... p.gl C,~), ElIII.. ond l,u"I, lolar on Form 1041,lln, 3.
· K ou ch.okld 32b, ou MUST .lIach Form 01118,
'0' PlPOIWOrk R.ductlon Acl HoIJc.,... Form 1040 IllIlnloUon.. e.L No. 'I~P
28
30
31
3210 Ail lov..lmlol 10 11,1ok.
32b 0 Some Inv..lm.oll. nol
at rIsk,
80h'dul. C I'orm 1040) lie7
Form W-2 Wage and Tex Statement 1997
~12~935 020~,-..,O.,~.~.?,.,I.~1."".,_ I~l ;;:~llbD:b.ljh;Ml~/tIl"), . Inl"n.1 tl,lttlU. ~"IIU
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23-2282172 197-40-7013 NEW CUMBERLAND PA 17070
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, r~~~N~"aml' ~tVSttAl~LID4'
2120 OUEENS DR APT AI
tlAAA I SBUAG PA 17110
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1.23 PA WSHAS
J '"11,1 Ulljllt'p 1fl1lV~4, 00
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44.00 ,44
'lllh"U'I...... .....IU... U' lIlO.
NORREll SERVICES INC.
lil'qO HARKET ST
S ITE 2
l~MOYNE, PA 17043-0000
00020325
'1""'11'. JM Ut lit.
1~7-40-7013
.111II1111'. .UII, '-Ul, 1..-11' COllI
VEIlNP l GUTStlAll
212U QUEENS DRIVE
HARIlISSURG. PA 17110
1351 18~.r W2.2FJl~E SMTF.~ ~/.W~EJtR1MCAl TAX D!':.A~!.M.~.NT
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180.38
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'w. W.2 W~e Ind rlX Stlloment
c Emplo,"', 1IIi'll', ~tt'. and liP Cocl.
()t.,IB No 15046.000e
199 7 7 GoellllllcUl1Iy lip'
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, WDgn.llpl. oIh.. comp.nt.lCn 2 F'd"..ncom.'" wllllrltld
45.00 .00
ExpreS8 S_rvict8, Inc.
6300 NW Expreauway
Okluho~ City, OK 73132
t ~nc. Ele plI)'mlrC
.00
10 o.PI""" cln b.".,..
36otlllll.CUlryllllgU
45.00
r. ~'ck.. wogtt and lip'
45.00
" Nonqu....ltdplant
,. 5oc"" UClIlraylu WIl"h.ld
2.79
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.65
u BInet.. Includ.d In bo. I
"
IHIIMI
. Employt.'1 nam.. "'G.... and ZIP COOl
Verna L, GutlJhall
2120 Que_no Drive
.
9'1273
00000000
b (mploytl'.ld.,....K:lIllOnllUmbtt
840909680
Harriaburg. fA
17110
dfmplor.....OCLGI..tulry.....ml)tf
197,40'7013
.11...111"'.0"....' 'Ift,l.." "lIll', 111I1"'1 bU""'t'
"".., l' ~ '''=E' ..... City
1I6t1ll. Hlcom.IQJ 19loe...,. nMl' 20 loclll w-o...llJlI. tic 12, lotlllneom.IQJ
\,26 HARRISBURG 45.00 .46
Department of thl r,.....ty .11'tItrMI Rev.nu. 8ervke
i6~E,;;piOj...r..II.. I 0 No ~ 7 Stili. wDgII.IIpI. tiC
PA I 840909680 L /,5.00
Copy 2 To Be FMH WIth Emptoy..'. ~"'I Chy. or locallncom. To RalUm
;-~~~;~;~_~B'..~~_~l.x~~_~t.~.nt 1.99 _7_ __. _ __ """"~'~__'.'J_~..:(,,\~__. .
r ___~_~.~~~.~.!_ _..._. _ ____.1___ cop~ ~ ~~.~~ '1~1d w~~h ~~~IOrN" C~Iy__or~II_I_~c:_o~ !~. RII.lltn
~'RACIRiff"DISTRiBUTION CENTER I "23;'1906'116'H
PO BOX 3165 'i20~~;42'~'259~""
HARRISBURG PA 17105
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;b'1j~--";4~':::' ""J'~;;-~::"'" i .. .!,
r.ONALD E GUTSHALL
106' LINCOLN STREET
ENOLA PA 17025-2530
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,
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I . "1'111.',1 I 'I Ii it. ~" "Il,l.'!'" ,j' I , II' id!lIiI .
April 20, 1998
Mr. Marcus A. McKnight Ill, Esquire
West Pomfrct Professional Building
60 West Pomfret Street
Carlisle, PennsylvDllia 17013
Dear Mike
ReI Value of Verna Gutshall's Janitorial Servlte
I have revlcwcd the 1995 and 199fl individual incomc ta~ retUnlS for Ronald DIId Verna Gutshall ill
order to provide DII oplnioll ofthc value of Vema Gutshall's Janitorial Service (a proprietorship) as of July 15,
1996. In addition to the income llIx retUnlS I was also provided with thc estimate that Ms. Gutshall spellds an
average of between 20 DIId 30 hours per week 011 this business.
In general, thtre arc two components Ihal dctennine the val'le of a business. lbe first component is
the fair market value of the tonglble asscts oflhc buslncss Icss any eorrcsponding liabilities. The other
component, goodwill is the intangible valuc assigned to a continuing business operation and Is influenced by
profitability, markel position Wid other subjective fact.ors.
According 10 thc incomc lax Mums, thcrc docs not appear 10 bc any equipment, supplies or other
tangible property on hand ot cither December 31, 1995 or December 31, 1996. It is however, very likely thaI
the business owns assets which havc been fully depreciatcd for tax purposes, and Iherefore werc rn,t reported on
the 1995 or 1996 incomc tax returns, Any such o.sscls should be considered allhcir fair markct value as of
July IS, 1996 whcn dClcnnining Ihc vo.luc ofthc buslncss on that datc. In addition, the valuc ofwlY supplies on
hand at the valuation date would also nceu to bc considered to detcnlline the tWlgible value of litis buslncss.
likewise, Ihe lax rcturns do nol reflecl any unpaid bills that ifpresent should be deducted from tile tDllgible
assel value.
II docs nOlappcar thallherc is any goodwill or othcr intangiblc value thaI could be assigncd to tills
busincss. According to thc incomc tax rcturns,thc averagc profit for 1995 and 1996 was S 8,322. In addition,
the eslimalcd averagc numbcr of hours worked inthc business pcr year was bclwecn 1,040 and 1,560. AI besl,
Ms. GUlshall earncd an avcragc of $ 8 per hour over thc two year pcriod, If Ms, Gutshall werc 10 hirc an
cmploy~"C 10 opcratc this busincss her pcr hour cOSI whcn considering wagcs, bencfits and taxcs would ccrtainly
excced S 8 pcr hour, Icaving no profil from which 10 derivc any goodwill or cvcnto givc a nomlal return on any
Investmenl In the business.
Pleasc keep in mind, thaI this conclusion was based onthc historical lax Mum infornlatlon
provided 10 mc, (nthc event that there is busincss incomc thaI has not been rcported onthc income tax relurns,
II is possiblc thaI goodwill moy exist. (hove no reason to believe that this is Ihe siluatlon, however it Is a
possibility that I wal1led to mention to you.
1'HHlf)(!~ WI )Ill) /lVI tHH ~lI}111 Ifl T . (,""11' II If I ~r j~"l '//1111" 1 Iljl .. I,' T,'\ ;l,r' o)ll~,1 . 1,,;( 1/1;1 J,U "!7
fdr'tr,h.'I.',/lI"!.'II< 1l1l1111,t'l'Jh",!I:rlt't,! <11'.iI,llr /I".,,,;p-I.lI.,I.i.!<UI!I,'oI!r:rllkrJlr,I',II!<....rl'JlIIIII\lfIlIl'!,
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L05141"L t'lRt:.AT ~IlHJ'rI:I'<N C,,"O ACr;g:Sfl
ST 101"1" I PA 00\'5 PC?l'iT PAYOFF
At~tl OOe~9nOI RII
[iorl-I GIJTSHALL. RONALD It ' CUllt I OOr~OOnl3:llilB
Addr, 101> UNCOl.N ~'lT
ENOLA. PA 17~)ee'i..(I(10Q
{I/FI<:1/91:l
1 I!! I e\31 f!'l
6e.11 NS 1"1 Avll .. 93:d Ln (.;CltYI 'II 1\'5.&07 aTal .. e, r~<,:,.1
Rlifirll N (Y/N) Amt RlRcrHvllIU, .. ,0(1 ,Doatllll 1~/I~Olf,B
Typel cr MllthL1r.j I CI< 1"/0 Co chll CIJ Comel CC,d91
PoIIyoff Amoun t; I $ eEl. 6155, (17
,
Charooal Intlllrll'lIt .. 240,eb
Il" "'1I1 t .. ,00
MoII~ ntllll,,,nClll .. .00
II'1Q~lr ;\11': Iii III ,00
. Comm~nhl rU97 THI:'Y 8EP,HE AT Rl'm HE PAYING
a-f1!ffih 3'-Rlllt'~I-n \'5-'PPlIIt {,.'Pmt Hnt '1-Rfnd B-Ovl- 9-1"1" t Rc:p t 10-PI" t Stmt 1 'I--S" 1
. 3080 INVALID LaAN TVPE '
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ACCI:.~~ ltI:.ALTY ~l-.K V ICl:.:i
___1......010 UNIFORM RESIDENTIAL APPRAISAL REPORT '11. No
.
,_II4d_ 106 LINCOLN ST Co",.. T.., 3240-10 I lENDER DI&CAETIONAAY UllE
ENOl.A Counlll CUMBERLAND 6111, PA. l'n Codo 17015 8. Pr1ce .
I DEED BOOK H31C PAGE H779 MAP 09,14,OK34-1J6 0010
OW..oQocuw>, RONALJ.>,E.& VERNA L. GUTSHALL Ma. '1010'"",. SEE ABOVE Mo~ag. Nnl)Jnl .
._""". N/A 0.'1 01 UaIe REFINANCE __ '~\Of'{J\!YIIKl'''IN~'''''SfD ""'''lllOQ' TIP'
lDM c:NItllM:onOlMlOn1 10 be Daid bw Nllet , NIA ~ '...'m,.. Oilo:Nnl Poi". and Olhl, ConI>>MlOnl
'U,TI..' Tu. '1.., HOAWo )= l....hold l'aId by Belli' .
lond"/Oj",, BLAZER CONSUMER DISCOUNTCOMPANY }=~KJom'l\llJm (1IUlWAI
HARRISBURG PAl RONALD E.& VERNA L. GUTSJlM.L 0. Minllnl. ')un 60tJICI
lOCAlION :x u,""" ~ !:iuwlbwl = lIura' N[lQllUOfUtOO() ml.J.V616 ~ "g !!!! ~
BULT UP 0,..., 7f>'lto :lI)o1f).... = Uno,' ~"4 lm~rm.,,1 61abllfy l- I- i-
aAOWlHn'TE = IIopo<l ...... = .,"" ConV.,-.llncl to Enip'oymlnl l- I- ~
PROPERTY VAtU'. - Inc'''''ng SlAblt = OliKhOlllg Conll/illl"nu 10 5hot)plng I- - i-
DUI.NOo'SUI'f'IY = 6ho'11QI In Uahu\CI <= ()ylf 6uPP1 ConIlWlIII'\U 10 6c;hoQlI i- - I-
MARKE1M TIME U/ldel:J MQI 3fMIlI ()y8/' ft MOl M.quK1 ollJubllC "N\apor1ltlOn I- - I-
0 fl"E&ENT lAAl) U6[ "4 lNm U6E CUANOl Ptl[I)OMINANT SINGlE FM'L Y HOU6IN< 'wa..lloo F1I(111U", I- - ~
0 SIl'IgIt Fam~y ~ NoIU.... ~ OCCUPANCY PnlCE AGE Ad.quacy 01 U~II~.1 "'" - "'"
2'" FIlmW. 20 LiMI~ o.~ 9 7 ~ I tOOOI Iyrl) PlopeIly CUmplhblUry - - I-
....,11.,.It14I. 5 k'i p'1X'" T."l.Il1 O~ 3S I"", ~ l'IOlllliCllon ftom o.lnmWlIal Cond = - "'"
Comm"OII II To Vacant (00%' 75 Illgh !ill..:t f)Q1~' & FI,..I)'olICllOI'l - "" 1=
k'ldLll~1 0 Vauntlow"ft%) P,lK!omlnanl .l1t'''1I AppMIlnca 0' P'Oplllll81 - = 1=
v"'"'" UNDE\ 25 55 4() I Anna&I kl MI/IIII
No..: RIlaI 01 !he raoal (X)mpo~1On oltnt n-'QhbortlOOd..,e nOI cunl~'11ld 181il&bI.apPlllIIlllClofl
COloIIoI:Nl.' TilE SUBJECT IS LOCATI,D IN ENOLA BOROUGH IN EAST PENNSIlORO TOWNSIIIP. THE
NEIGHBORHOOD IS RESIDENTIAL IN NATUI~F. CONSISTING or PIU~lX)MIN^NTL Y LOWER MIDDLE INCOME --
SINGLE FAMIL Y DETACHED AND SEMI DETACHED I{ESIDENCES WITIIIN WALKING DISTANCE TO SCIlOOLS
AND SIIOPPING. TilE NERiITiIORHooD liAS NOT BEEN lJPDA'IHl -
llIm........ 70X 14() !.PDQ'''''', MOS11.. Y LEVEL
611."" 0.22 ACRES 19KO() SQI~r Com.. 101 YES .'10 TYPICAL
1""'I'o;C"''''''''IO<I RCM. RESID. CONSERV AT/ON I.II,ng Com~"n" YES .,1... MOSTLY RECTANGUU
"IGHE.I&BE.1U.E~n'U.. YES ",,1..11.. NONE D'~nag. API'EARS ADEQUATE
UnlITIE6 ~'IC 011\81 5lTE tMPnOVu,AENT5 Type Pu.; Pt1~1I View WOODEDsa.:NE
EIoc'''~,g ...., ASPIIAL T/OI{A VE B, = I ",""",ng TYPICAL
a" j NONE CUlbXl,IIOI NONE = = 00""" GRA VEL
W.Io' .~..,,' NONE = = '""".n'Eo......." NORMAL UTILITY
8anltaty 6ewfill 6vltl Ughll NONE = = FEMA FlOod Haz.,d \'.' No m
so,"".....!! NONE ."" NONE FE....'....Nlon. 420359B 4/15/77 "C"
COMMENTS tAppalenl Ad~"" .uomenll, ...,ctoac:hm.nl.. 'peclel UUllmlt\tl, IlIde Ill'''. IIC.) SUBJECT TO EASMENTS RESTRlct'IONS
AND/OR RIGHT OF WAYS OF RECORD.
GENERAL OESCHlPTION EXTERIOR 0E5CnlP1IQN FOUNDATION eASEMENT N&ULA nON
Unll. IUNIT FQlJndaUon BLOCK 6lab roo AI811Sq. FI. 3K4 Roo! liNK ~
."/IOt 1.5 STORY E""'.. w",. VINYL SID Crlwl 6pace PARTIAL % Flnllh8G 0% C.UIng UNK
Type 1000.!An ) DlITACHED A"'''',fact COMP.SHIN e..8fTl1llfl1 PARTIAL Ceiling NONE W~1l UNK
Dotlgn'.')101 CAPE COD Gulli" & Oo1rinlpll. ALUMINU 5ump Pump roo Walll BLOCK ~... NONI
Eallllng YE~ WIndow Type DBL.HUNG Oampn." NONE VIS. '100' CONOililE Non. U NK B
0 P""",... NJ 5klrm 6lUh YES 511111,m,nl roo CuI.doEn,,., YES ,~ "".,u""UNK
,
, Uncsw Conllruc\lon NJ SaMOI YES In'eslabon ,NONE VIS. 100 AMP. BREAKER E"''llyEmc,,,,,,,,,,,,,
AgaIYrl.) 40+ Manufactured HoulI NJ HIW OFF FURNACE REPLACEMENT
F.""'",....Ii~1 20,25 rHERMOpANE
ROOIoAS Fo~' 1M'" I.)mlM KlIdllIIfl Don r,mll~Rm Ree Am. BeaIOQmI . Balhl laundN "'".. Ar.. &.0. FL
O...menl 3K4
llWelt I I 2 I.O() 70K
0 2 2KK
0 lIW1II2
0
Flnllhed.,.. ,boY. urada oonlllnl: 6 Rooml; 4 Olldroom\1 ; 1.00 Balh/II; 996 Sau.,e Vaal 010'011 Uvlno N"
SURFACES lUltI1&lllCondlllOnl .IEATINQ KITCIIENEau~IP. ATTIC IMPROVEMENT ANAlY6LS Good ~ ~r ~,
F_ SHEET GDSIWD T,.. BASBD ",,"'g.."" N.... ~ O'~i1,o'Con"""..n 0 .a. '6 =
w.na DRYWALL./PN Fulll OIL nang~lIn 611l" ConCllllonollmJYO~lmenll = ~ =
~ Tnmlflnllh WooD/AVG. Concll1lon ~ Dlpolel F OlopSlDlr Aoom61lllllA'IOYI =:=.l =
BalhFloor SIIEETGDSJPOC Ad,quacy ~ OlhINOlheH ~ 60..11I. C10YllandSloragl = == =
BalhWIlt\lcol WALLBOARDI' COOliNG fllnl1loOd:= Floe)t >= En8l"gvEI~aancv I:::
0.... WOOD FLUSHlA ""',~ NJ CompaclD' 1= >iNt" 1= P',m.ng'''''.qu""y. Co""""", = 1=
.POOR Othll NONE WUh.rlOrrlH = Flnllhad 1:= Eleeval AdaqulCY I CondlllQl'\ =:I ~
..AVG. Condlllon N/A MM:IOWl~' = ~ KlIchenC.bmall.Adequt.cy& Cond = b ~
FltemlCa/I' NONE , 0 MellUacV N / ^ Inl"Com Compebbllly to NelghbOfhood = r1l
. CAA8TORAGE GarlOa F A.rlliChe<I ~ Adoqull. = .iOUMEnvv = AppIiNIl&MllfllQlablllly _
No. c..r. 0 c.tpoll b OlIl1dlld ~ WlIIUlMluOI. D eulllCla Enlry = Ettlm.,/Jd Uemolfllng ECQI'IOmlC wI. 3.5 -40
CondlUon NI A None I X BUIIt.ln EII,ICIIU:; Ooof n OMa'nllnlEnlN EIllm.tld n.maJnIN'l Ph"liCIIUI. 3 S -40
"""on" ,,,'",.. COVERED FRONT PORCH. ENCl.OSED PORCII H,NCED REAR YARD. REPLACEMENT
THERMOPANE WINDOWS EXCEPT ONE ROOM. REM0l1l'1.I.ED BEDROOM OR FAMIl.V ROOM. NEW VINYL SIDING
AND NEW SHINGLED ROOF WITHIN I.AST FIVE YEARS,
o.pltclanon IPhyt1ceJ. luncuoneJ and ..I.rnlllnllduqulcllI, rlilpcllll nUI.lUod, modelnllPllon. .tc), BUILDING IS IN GOOD EXTERIOR CONDITION
INTERIOR CONDITION BELOW AVERAGE DUE TO UNFINISHED WAI.l.S IN MASTER BEDROOM l.ACK OF
FLOORING IN MASTER BEDROOM WORN FLOORINOWKrrcllEN ANDSl'RONG PET ODOR ON FIRST FLOOR.
INTERIOR SHOWS HEAVY WEAR.
o
Gtn.ra1 marul c;onoWOnl ItId pllVal.nce and Im~cl In lubjtcVmark.t lUll reglrdlOO loan dlacountl, Inl.,ut bJ)'4owna and cone_llonl: MARKET
CONDITIONS ARE STABLE. SEI.LER PARTICIPATON IN nlE PA YMENT OF OF POINTS AND lOR CLOSING COSTS
IS NOT A COMMON PRACTICE. SELLER PARTICIPATION IF ANY HAS BEEN CONSIDERED AND DOES NOT AFFECT
MARKET VALUE.
=
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FtlOdle MIc Fonn 70 tOile
MacAppralW'" Ileal EIII'- ApJnll" Sortw". by Bradlofd and Robbin. 1100) 822.1721
Fannie..... Form '004 1041
Th, un"'~ned hat IICU" Ihl.. 'teenl laIe. 01 J)'01*11111 moal I,mllll Irld plOJlmll1 k) IUt\.C1lnd ".. coo6ld8l11d tn... In lh, mllklllllaJYllt. lh, dllCtlpnon lndud... dOl'"
adtlUllmlW'll, Ill\IcUng m,""" IMCHon 10 lho.. 11.",1 QllIgtll'lCllI1llJlllltJQn btf'WlHilfl lh, ,ubjteltnll l;.Otnpatabll PDplIIIlU 11.- Ilgllllle.,,1 n.", In 1JI1 COtnjlLlaIH ~0f*1" I, 1l.I1*1O'
~. Of mOIl l,vo/1bIe Ihtl1, the 'U~1C1 po,.ny, I mlny. (,1 IlJjUltmlllll1 m,(It, thUI fllduClng lhtlndlelled v.lu. 01 'U~ll(l; II. Ilgfllhcll'llllem In lh, c:om".,1bI1 'I 1n11fl0l' 10,
.QLJ~~~~!1YJ2Yl. IjMJ.!JI1!P.inlJLfJl.ut.JnJtll'lIJ~JHl.ll.IDJJn.!1!U.lJU!!!d..2!.1hU!iJAlSl___
HE'" ---r-- 6URJfCJ COMPAflMlll: NO , COMI'AflAlllf NO :l COO'-AI\AOl.E NO. :)
106 LINCOLN ST. 1065 OYSTER MILL 1m. 23 E. SIIADY LANE 721 VALLEY IWAD
_,... ENOLA CAMP lilLI, I~OLA ENOlA
PSIO_'lmp"","'..S'~"" '1'~N;l A"""""""""'Y . .. ... '" ..1. M.II~'IEIIII(1 I MILE ."""""" 1 MIL. E
':N7A '.L ..... ~ .. . .<....,...'..157 000 ~ 146500
P",.,G,...u"".. 1 lUlU 1711 43.HO vr- ...... 1 54.IH . '.: " 1 32.56 Vii'.:.":'!!,.',,'
00.. So'<C' INSpECnON MLSrl'RANSFERS MLSrf'RANSFERS MLSrrRANSFERS
VALUE ADJUSTMENTS IX5CRrTION OEGCRlPTlON ~('J' AlIjuIlmunt QESCRIPTlON tHI MjuSlm,nl OfSCHIPTIOt. .(.}I AdtUllmllfl1
S_ OIf"""":lng ?!i}\iikMli;%80' CONVENTIONA CONVENTIONA "':ASH
Conc...,o",."'TiVg;"JhbWii.. A VERAGE AVERAGE AVERAGE
0010.' BoIo1Tlm. REFINANCE H/24j'iJi(:12) 71311'12(1) li/7T91<3]51
Locallon AVG. SUBURB.INF. SUBUllII, +5000 SUI'. SUIlUllB. ,3000 SUI'. SUBURB.
Sl\oI\Ilo. .22ACIAVG. A3ACIAVG, ,2000.IIACIAVG. +1000.32ACIAVG.
00""" IlI1d .no.... I.5STYIA VG. 1.5STYIA VO. 1.5STYIA VO. 1.5STYIA VO.
~ OuatllYolr..onllluctlon AVERAGE AVERAGE ^VEI~^GE SUPeRIOR/STC
, I... 0+AJ20,25E H 30+ 53
Co"","", FAIR INFERIOR +2000SlJPERIOR ,I 000 INFERIOR
Above a,ade Totlll Adrmll Oath, TOlal laurmll Oath, Total I Bdnn.1 Oath, fol.1 IBdrm.1 U.,hl
'. RoomCwnl 6 I 4 I 1.00 5 I 3 I I 5 I 2 I I 7 I 3 I 1
G'...L"'no...... 996 So.ft 936. 5<l" +700 1052 80" .700 142H 8o.fl.
. B.........,H~.""" PARTIAL/3H4 FULL FULL FUll.
Room. Iloiow G...,. UNFINISHED pDR RM ,500 UNFINISIIED UNFINISHED
f",""Ion~U'"'l AVERAGE AVERAGE AVERAGE AVERAGE
Hu.no/Coollno OIL HW/NO OIL lPN/NO OIL FilA/NO OIL FIIAINO
Q..""OICa'DO/l NONE ~!CAR DET!\C1 ._~.Jl!W~.NE ._._ _____.__ I CAR DETACII
POI"""""'" COVERED PORC NONE + 1,500 NONE + 1,500 COVERED PORC
POIlI...k FENCED YD. NONE + 1 000 NONE + 1 000 NONE
Spec.. '""llf REPLACEMENl NONE +2,000 NONE +2,000 NONE
E_'hom' "'IIERMOpANE NONE NONE NONE
""_Ii" NONE FIREPLACE ,I 500 NONE FIREPLACE
011_{, g. ~IC"'" ENCL. PORCH LG. ENCt.. I'OR ,1,000 NONE +500 NONE
1.',"1. 'omOll.l\nol APPLIANCES APPLIANCES APPLIANCES APPLIANCES
No''''''. 1..10" .h1Cj<.;.t'.... XI. r ~ I 4200 !Xl . r '1, 1 1 300 1. rxl.
'""IoI"'V~", ii/NiXiS,!;\," .....i.......... ....... . ......'.........,//..,.,:
.,&."",\'/".'.,...>\"';""" I 45 200.... 1 5H ,300.....:.... 3H 300
Common" .n 6.~. Campoli.." IT WAS NECESSAR Y TO EXCEED SIX MONTIIS FOR BEST COMpARABLES, COMPARABLE.~
USED WERE BEST AVAILABLE. ADJUSTED VALUES RANGED FIWM$1J!,31111.01l. TO $5K,3IXI.lXI. THE ApPRAISEIl
SELECTED A FINAL \ALUE 01'$45 OIXI.OO,
INDICATED VAlUEBY IAlES COlotPAR'SON APPROACH 1 4 S 000
INOtCATlO VALUE BY INCOME APPROACH IUAppkabilll F..tlm.lud Mtlljo,1I1 R~nll N I A /Mo . GfOlll11i111 ~wllip'ltil' . N I A ., N I A
TI'lIl-WIll.II .. mild. [X] 'M II' D.wbjUCIIO fllpAlt1, IIIl1lfIlUQnI, 1011*=1I0n. Of (on\Jlllonl Ii"ud belOw 0 cornplllbon pel' pl&l'll and IpeO'lCallOf\1,
C.mmon" ..., Co"'''~", .1 ''''''''''' TillS APPRAISAL FOil LEN[)ING PURPOSES ONL y, COMPARABLES USED WERE
BEST A V AILABl.E
f"''' RlCOn"Ii'Ii.",THREE APPROACIIES TO V ALUE WERE CONSIDERED. THE [)IREer SALES COMPARISON
· APPROACH WA"S GIVEN THE GREATEST WEIGHT. THE COST APPROACH WAS UTILIZED AS A CROSS ClIECK,
. THE INCOME APpROACII WAS NOT USED DUE TO_LACK OF DATA, FORCED SALE VALUE $36(XXl.lX)
TtH. appraIII,I1I bued upon ,,... &bIN. 'ttQuUetTllll'll', thl CAlrtlllClhon, oonllngllnralld hmlllng (01\(111101\1, I&1IcI UlrNll Velue dllrlnlllon thllt IU. llalud In
fmHA, Hue &lOt VA InIlruthonl.
. ',"ocUeMecForm438(Rev, 7..~~nIeUI Form 'OO4l)lRlty, 711Ml11i1ll(j\fllllhcllllnl tU_ [X]llIlChIcI
'(Wlllln""Tl! THlllARklT VALUI, "10, O' THE .UBJICT PROPERTY A. 0' SEPTEMBER H "21....'... 14 5.0 00
,
I (WII cal'lIty: IMIIO Ih, bell 01 ~~ r '-dg' and bell" Ihl IBetl Ind da" uno hllr8ln WI !rue .nd COflucl; 11'1" I (WI) PlrlOn.ll)' Inlpkled th. .ubJICI ptoplfly, both
InlldI ..,~_ou" Ind I\I.vI 1"Y'nlptClIon 01 .11 compa/abl' ,nlln. Cl1id In Ii'll' htpOIl; Itld 'hi' I ('11I'1.1 hay. no undllcloud Intl'lll, Jr...nt or PfOlptCllv. Ih.....n
APPRAISE RIS ..... RE Vlf W APPAMSE R
Spur. Illappllf:abI.1 S~nalur. 0 Old 0 ()d Nol
Nom. ~ . D CAN Nom. Inopoc! P_f
. .
v__...
UNIFORM RESIDIiNTIAL APPRAISAL REPORT
... ....
01 ~ II \0 _Im.'-...... V.uu. II defIntd In f)e c.!.fIl:;allQn l611lttmenl 01 LImUulO Condlllonl
IUI.DINO Bl<ETCH II/toW GROIIlIYHG AREA ABOVE GRADEl EBlIllATEO IIEPIIOlXlCllON COST.NEW Of tolPflOVEllENII
"..',........'WlM.....,..lW\"..,MIOClloakvWIONl.tlllIIlUItIflptUkilcom/TllIlII~lh.~". 0...11"'11 I}'l() 6q .-1..' 44,03 .,
Length Wldlh 510,111 .5quar. F..I IISM'I'. --W;j-'6q fl. 1 11.63-.
I. J2..0 .\ I H.O I 1.5 HM.O E".. APPLIANCES .
22,0 6.0 1.0 132,0 'llAW!.. SPACE .
Groll Living A,.. 9% S"..""E"org,EIOj",,,,",", TlII;NMOI'AN.
POI,hM."""'.'" l.UMl'SUM .
GaI.UeJ(''''~1 __Sq. FI .. __.
ToWIll UUn.l~ N.. .,
Ph~'Il.1 lr:U'K:~O/\-' til'.mal
,... 37.50 17.99 I
1l.,..""""",216H2 1~.1
I'--plllel.'" \lIlIU' ullmpluv.ml'lnl. .,
t)4llflmp '., It' IUrl""hU~, 11/10"".1111_8" I ..
UlIMA1U)6ITa: \I,t.ll}[ .,
r--
REpRQl5ucnoN COSTS OllTAINED FROM MAllSIIAI.l. &
:lwwr .RESIDENTIAI. COST IIANDJl(X)K.
.~!1),/c;'J19/'1t\L OJISOJ..l~~CENCE DUE TO tACK OF A
J>QWDJ;R ROOM, COST TO CURE $~5IXI.lX).
.F.V/'ICnONAL OllSOL.l~~CENCE DlIE TO WFAll AND 'n,AJ{
54000 00. .__...u...._...._____~....___m_.
_______..._________... ..___ .n____
11l1"''''lOld, ,hIM 0I11~ 1....nOlu vallJll
IHDtcATED V,AlUIIIY COlT APpnOACH
Conl'n.lI.11On Wllran'~ W_ V.. lXJ No
NIl",. cl W"'lnt~ Ploor"," NONE
WIllen I)' CoVINIgI hrlll.. ~ I A
.1
(Net RequllM by f"1..td1l Mac ..ld "11'II111 MIoI'
QroM propal1 oonlolm ~ lIfJPIl~bIa ItlOlVA ptOJ*l~ ,lanl",017 0 VI' 0 Nq
II No. """"': IIUD PROPERLY STANDAIlJ>S IXl NOT APpl.Y TO
THIS APPRAISAL ASSIGNMENT.
Frtd6le MIl:: Form 70 10/88
MacAppr..,.,,,. Real billa ~"I" Sortw.,1 by Otadlotd and RotonllllOOl 1522.8n1
Finnie..... Fonn 1004 '0118
43,H'4
4466
2 (WO
2000
5 '00
n K20
2H.1 K2
2963K
3500
15000
4H 100
--
,3000
,I 000
,) iiOci
+ 2 000
.5200
.2000
+1000
+2,000
,I 500
+500
,H 200
'.
Geolge Cleule'
I III rt Summary Report
pr....po UNIFORM RESIDENTIAL APPRAISAL REPORT fIltHq. 6.0217R.l
Prope!1y Mdllll 106 Lincoln Slreet CIIy Enola Slale PA lip Code 1702e
Leg.Omllpljon Deed Book 31 C, Page 779 Counly Cumberland
Allmo", P~cII No 09 14 0834 136 "'.. YIO' 97,98 11 E Tlo15 $ 49178 6p"l~ A'...~nM~111) 00
II I Ronald E Gutshall n!! Ronald and Verna Gutshall eel ,"I n!! TIn n 0 .nl
p, II n h , IBI iI r" 1m lie PI 'I T" PI nil mlnium /lU A ani /I NA M
N"ghholhooil 01 Plol,cl Nllm' Enola M'IIII.I!!,nc,09 14 0834 136 Cmu, Tlllcl 101 SMSA3240
Sa!! Pile! $ NA Dill! 01 Sail! NA D"bUlllhun And $lImuur~ Vi 10;\/1 Lhalgrll.Loncflbblunb II) lI, pllld lly ~pll'" NA
L,nillf/CII,nl Ronald E Gutshall MillO.. 106 Lincoln Street, Enola, PA 17025
A '" If Gear e C Cia ser SRA A III'" 3920 Market Street Cam Hill PA 17011
Loc,lion lilllIm,' Sul"IIblln R"'III P,odomln,nt P lr~' .m y '~Mg P"Nnll.nd UN'
BUilt UII 0,,, 75~ , '. 15. 75~ Un')!! 25% oceup,ney $(0001 (Y151 On,l,mlly 80
Glowlh "" lI'IIId 51111'" Sluw Own" 70 Low 1 2.41111mly 5
P'UI"'ty ,"111" InClmll'U." SllIbl, O.cllnlnu '.nllnl 350 IIIUh 100+ MIlIt,.I,nllly 5
Ormnndi6lJIlply 'Sllu/lilg! In hlllllnc! GVPI blJlIllly V"(II"IIU'b~ll, . PIl!lhJfIllnllnl ,I Corml1l!1cHlI 5
Mlllk'llnU IIIn' Unll" 3 mOb. .'. J.G mo. 0", G mus Va< ''''' 5\1 125 30 ,"ml 5
Not'l "I" Ind thl 'lei II compo.lllan D' Ih, n.llhborhod .rt no' .,prlllll fleloll.
NIIUhbulhooll boundan.. ami Ch'"IICI'''bllcs The subject nel9hborhood consists of East Pennsboro Town~hlp end surround,n9
municlpelltlB~ ,n the Enola area 01 Cumberland County, PA
Faclof5lhlllllllecllhe marketahllity ullhe prOlll!ltll!S In Ihl! nl!lghlJOIhoud (prukJlTllly 10 flmllloym!!nl imd ,IInflnlll!!!), l!n1llluyml'nl ~liIlJI!lly, u/JjJullu malkl!l'lc)
The property bein9 valued is loceted along the east side of Lincoln Street In the resldenliel area known as Enola Shopping,
schools and churchas are located within 3 miles of tha development Full service shopping Is avalleble at Camp HIli end Capital
City Malls approxlmataly 5 miles Public school students attend the East Pennsboro School District Employment centers ara
located in Harrisburg, Camp HIli, York and MachanicBburg.
Lend UN eh.nllf
. Nolll..ly ll.'ly
InprllCt!1i5
Tu
MArkl1 conlllllons ,n Ih, ,"bl,cl nllghbolhood (Inclulllnu suppull 101 "" ,bm conclusions 1I1,I.IIlu 1110 III nil ollllUI"'ty ,,1m, d.m,nrJJ!Opply, ,nd miilk.llflO IlnlO
.. such as dala un compeflhvl! proP!!Itl!!S hJI sale in the nl!lghbolhood. dl!5Cfllllion of the pleval!!nc!! 01 Sall'6 and llnunclng concessions. fie)
Mar1<at conditions In the subject neighborhood ara considarad moderately active With low mortgage Interest ratas being the
primary catalyst. Sales In recent weeks have bean moderately eclive. Approximately 15 houses 01 verious styles are for sale
within 5 miles and are in competllion 'Nllh the subjecl Typical financing for rcsldentlal properties Includes 80-90% loan. 1,3
points, 6.5,7.5% mortgage ,nterest rates for up to 30 years
Ploltctln'orm,lIon lor PUD'III 'ppllc'bl'l . . Is Ih, IImlop."builll" In cuntrol ollh. Hom, Own",' AS50cl,llon (HOA)? Yes
App,o.malllol" numb" olunll' In Ihl ,ublflCll"ol,cl NA Aplllu,un,11 Mill nomblf 01 umls 101 ..II In th, subl,cl plOllCI
l!6crlUe common ell!'nenls and rl!crl!iltlonall~cllilles NA
Dlm,n.lon, 7()' X 140' Topography Averege
5111 ar" 9,600 SF orn acres COlfl" l.ol Yes: .: No Sizl Average
Sp.clllc zunlnu CI'Sblllc,llon IInd IImllphon RHO-Residential High nenslty Sh,p. Rectangular
Zonlnu compliance >: L,U" L'g" nunconlolmlng (G"ndl,lhmll usel III'g" No zoning DIBln'g' Average
HIUh"l & blbl 0," "' IlflplO"d :.: PII"nlu" Olh,r 0" ('~ll"nl VI,w Average
UIIIIII.. PubliC Olh" OH',II.lmpIOYlmlnl, TYPI Public PII"le Land.c,ping Average
ElflCllIClly : -: 100 amp SIII.I Macadam . ". OrlYlw,y SUllac' Stone
Gas CUlbioull" Apparenl ""m,nls 01 record only
W,11f S,d,walK fEMA Sp'clnl flooll H,zarll Ar.. V.S: ': No
Sa",,",'I"w!! Cess pool SII..lllghls Incandescent , . fEMA Zone C M,p 0". 4/15/77
Slorm snWIf AII,y fEMA M,p No. 420359B
Comm,nl, ('PP'IOnllld'"'' I",m,nl.. .ncroachm,nls, 'p,clal ""..m,nl,. .lill, "'"" III'g,1 or 1'0111 nonconlolmlno zoning use, elc) Intarior lot on tha
east side 01 Lincoln Street in East Pennsboro Township. landscaping exhibits an abundance of mature shrubs and plantings
Fenced ard. Owner indicated cess 001 for on,site sawa e dls 05al. Certifications recommended. Dead end streel.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION fOUNDATION BASEMENT INSULATION
No. 01 Ur"ls Ona foonll,llon Concrete Bloc SI,b 0 AI" Sq fl 384 Rool
No 0151011.. 1.5 E~,"ur W,II, Aluminum CrawISp,c, 50% % finlsh,d 0 CllllnO
Type (O.IIAIII Datached 11001 SOII'c, Asphalt Shll1g B"'m'nl 50% C'i1lng Open W,lIs
Design (Slyl') Capa Cod Gun... & Dwnslll' Aluminum Somp Pu",,, No W,lIs Concrete B floor
E>1"lng:Ploposed Existing Winduw Typ, Double Hung D,mpness No evldance floor Concrete Non.
Ag' (VIS) 40 510ImIS",,"s Screens S,nl.m.nl No eVidence Oulslll, Enlry Yes Unknown
EII.cl", A . YIS 20 M,nul,clu"d HouS! No Inl..I'hon t!o evidanca
ROOMS fuyer U'lnO D"lnU KileMn 0," f'mily Rm R,c Rm Belllooms I< B,lhs Laundry
Basemenl
Levell
Level 2
No NA
NA
Avg
Avg
Avg
Olh!!
storaga
Ar.. Sq fl.
384
768
192
2
l+Sto
flnl.h.d "'.. .boYl "II' eonl,ln, 5 Ruom, 3 B IIroom , 1 B,'h , 960 S '''" f.., 01 GrOSI UVln
INTERIOR M,leri,lsIConillhon HEATII/G KlTCIIEN EOIIIP ATTIC AMENITIES CAR STORAGE
floOls Pine sub,floor Fair Typ, HWBB II.IIlo."lor Non. fll'plac,(,}II None '<
W,lls Dry Avg fll" Oil Rano"O",n SIIIIIS Paho Gar'g' II 01 c"'s
Tllm/Flnlsh Wood Fair Condlllun Average DISposal Drop SIIIII O,ck AII,ch,1I
B'lh fluol Sub flcor Fair COOllW; DlShwa,her Selllll. Porch Front "O,lach'd
Blllh WIlIn,col C.nlllll None faniH'JolI floor f,nc, chain link .. BUIlt-in
DuolS Wood Fa,r Olher Mlc,ow"" H"I.d Pool Carport
Kitchen floor: Pine Fair ConlllllOn Washer Or er f,nlSh.d OIlY!W' Stone
Addlllon,'I..lores ('p,cllIl .noruy ,llIel.nlll,,,,,, .Ic 1 Soma new storm w,ndows One first floor bedroom remodaled and In good condillon
Basement under 50%+/, of dwelling and 's very clullered
Condlllon ollh, Implovem'nls, d'plOcl,"on Iphysle,', luncllon,', and '~'Ifl"I, "p"IS need.d, qll,lIty ul eonsmlehun, IOmoll.llnOI,lIdlhons, .Ic. Subject is a
Capa Cod style dwelling in fair to poor condition. Physical, depreclalion due to age and condition. Functional - semi-modern
kitchen and bath. Extarnal ' home Is in need of completed ramodeling and redecoration. Pet odors should also be eliminated as
these would be buyer resistant,f dwelling marketed.
Adv..., ,"vlronm,nl" conlllhons (soch as, bul nol IImll.1I 10, h,zardous wasles.tOllc sub,l,nces, .Ic I pllsent In Ih, Implovem,"ls, on Ihe "I., or In th,
Imm,dl,l. 'Iclnlly ollh, ,ubl,el prop.rtv None known, appraisar is not qualified to detect such substances. Should properly be sold,
se tic termite and radon certifications 5U ested. Hous& ma contain lead basa alnl
f"ddi, M,c form 70 B/93 PAGE I Of 2 fannl, M,. fOlm 1004 6/93
fOlm UA2 - "TOTAL 2000 101 Windows" 'ppralsal soliw," hy a la moll., Inc. -1.800.ALAMODE
Summary Report
UNIFORM RESIDENTIAL APPRAISAL REPORT Flit No. 6,0217R-l
= $ 15,000 Comn"nl. on CO,1 Apploach (,uch 85, 'ou'c. 01 co', 85lnllal., ,it. valu.,
,,,u,,.lool calculallon .nd 101 HUO, VA and Fml~A, Ih. lillmal.d "mlllnlng
.conOllllC III. 01 Ih.IlIop"tyl Source 01 Costs, Marshall
Valuation Service and locel contractors
Functional
5,000
$
$
Inspection
UESCRIPIiOII
Average
Fee Simple
70 x 140
Average
Cape Cod
Average
40+/,
Fair
Tolal
5
Bdlms Balh,
3 1
9605" FI
Storage
Average
DHWBB/NA
Insulation
NA
Front porch
Fence back yd
=
= $
h1@rnal
COMI'AIlIelIIIO I
329 Fullon Streot
Enola
.2bI9~k~, .
NA
/
'$
$ 39 62 I I .
CPML & Courthouse
43,200
3,640
47,040
=$
-$
.$
-
4M90,
-(-IHOIUb'
,4,000
-3,960
+500
16,641
26,399
5,000
46,399
Eslinloted remaining ecol1omlc life 01 the dweliing Is 30
yours
CflMI'AIIAm [ I/O 1
103 NOIlh Enolo Drive
El1olo
1/2."1"0
, .
,
r 1$
$ 44 27 I I
CPML & Courthouse
+500
,lESCRII'IiOlI
Cesh
35 DOM
12/15/97
Average
Fee Simple
Inferior
Equal
2 story SO
Equal
40+/-
Superior
Tolal Blllm' Bolhs
6 3 1
7665" FI
Storage
Equel
EBB/NA
Equal
Equal
Equal
COMI'AIIAnl[ I/O ]
306 North Sor.ond Slrael
Wormleysburg
3 mll~s
34 000 .... . ...
,I."....,.
, $ 4074 I I " "
CPML & Courthouse
'l-jIMI,,1
+2,000
+2,000
-4,000
+2,660
UESCIIIPIiOI/
Convenlional
324 OOM
12115/97
Average
Fee Simple
Equal
Equal
Cape Cod
EquQI
40+/,
Superior
Tolal Bdlm. Balh,
6 2 1
1,1685" FI
Storage
Equol
GFNNA
Equal
Equal
Equal
+200 Inferior
i$
46,400
ESTlMATEO SITE VALUE
ESTIMATED REPRODUCTION COST .NF.W.OF IMPROVEMENTS
Ow.lllng 960 5" Fl. <il$ 45.00 . $
5" FI @$ .
Basement 384 SF @ 10.00
G!lag,'CupOll 5" FI @$
Tol,1 Eihmill.it Co,l N.w
lm I'hy,'cal
O'pllciilllOn 13,641
O'pl,cl,l.d Vall" ollmlllo,"m,"l.
-A,. Is" Villo. 01 SII.lmll/oI.m,"II
INDtCATlDVALUEBYCO T APPROACH
IlfM SlInJECt
106 Lincoln Streel
Mitl'" EnoEa
Plo~imlty 10 Suhl,cl
5,1.. PIIC.
Pllc./Glo", liVing All'
O.laanit/ol
V.llllcallon SOUlC.
VAlliE AUJIIS!MEI/1S
5,1.. 01 FU18nclng
Concessions
Oal. 01 Sal./1Im,
LocallOn
LmcholiliF!tSlmpl.
511.
VI.w
O"lgn anit Apneal
Ooallty 01 ConsllocllOIl
Age
Conitlllon
Abo," Glad.
Room Counl
GIO", lillnu AI"
Basemenl & F,nlsh.d
Rooms Below Glad.
FOllcllonal Ullllly
HeahnlliCoollng
En"gy Elllclenl lIem,
Galag./Calpolt
POlch, Pallo. Q,ck
Flleplace(s)..lc
Fence. Pool. ,Ic
Uf SCRI1>1I01I
Convenllonal
56 OOM
6/30/97
Average
Fee Simple
Equal
Equal
Ranch
Equal
30+/,
Superior
Tolal Bd,ms Balh,
6 3 1
1,224 SQ. fl.
Inferior
Equal
EBB/NA
Equal
Equal
Inferior
Inferior
+200 Infarior
'I-ISA~I",I
,4,000
-3,420
+200
lIel Adi (Iolal) .. - 6,760 3,060.....,t.....,, S 7,220
Adlusled Sal.. Pnce '.Nsl.14,911
01 Com .rable 41740 37060 '.' "{:l& 41160
Comm.nls on Sales Compall'on (Including Ih. sublecl PIOP'rty.S compallblllty 10 Ih. n.luhbolhood, .Ic ) Sales used were all roasonably similar style
dwellings In the same neighborhood end subject to reasonably similar amenities. Adjustments were based on market extraction
and/or Judgment The Indicated value range on the abova grid extends from $37,060 to $41,740. The indicated market value is
estimated to be less than the upper end ofthe value range at $41,000.
SIISJECT
Not Applicable
C0MI'ARABLE 110 ,
Not Applicable
COMPARABLE 110 2
Not Applicabla
COMPARABLE 110 J
Not Applicable
ITEM
Dale, PIIC. and Oala
Source. lor pllm sales
within Yf.arol appraisal
Analysis 01 any cOII.nl aure.m,nl 01 501,. opllon oll"I"U 01 sUhl'CI plop"ly i1nd analysis 01 any pllOI salts 01 suhl.cl and cOlllparahles wilhln one yeal ul Ih. dale 01 app,arsill
The subject property is an owner occupied dwelling. No pllor sales Within one year. Property not listed for sale on date 01
Inspecllon
IHDICATED VALUE BY SAI.ES COMPARISOI/ APPROACH 5
INDICATED VALUE BY INCOME APPROACH II A IlCallle Esllmal'd Malk" R.nl NA 1010 ~ GI 55 R.nl Mlllh Ii.. NA = S
This appr.1isalls made <,'. "as IS" sublecllo the repai!s. allerallons, Inspecllons or conditions listed below sublecl to complelhJn per plans & specilicallons
Con~nlons 01 AnDla,sai' Should property be sold, termite, septic and radon certlficetions suggested, with appraised valua based on
clear test results
Final R,concillilllon Insuff,clent market dala was available to process the Income Approach. The Cost Approach 's considered and
used as a check for this appraisal and typically sels the upper limit of valuo The Sales Comparison Approach is deemed most
reliable and given greatesl weight.
The purpJse 01 thiS appraisal is to estimate the market valile ollne feal property that IS the sulllect at this Il!por1. based on thl! above condi!hms anrllhe CM1ilicahon. contingent
and IImlllllg conrilhons, anit mark,' """ it,tinitlon Ihal i1re sl,I'd In Ih. i1"ach'it FI'ridi. Mac FOlm 439,FNMA 101m 1004B (R'IIS'" I
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF March 4, 1996
(WHICH IS THE ~~E OF.INSPECTlONrNO THEEFFECTlVE DATE OF THIS REPORn TO BE S 41,000
APPRAISER: J' { j, (~ SUPERVISORY APPRAISER tONLY IF REOUIRED):
Slgnalul. ., x t' '~" l "" Y.urlJI \ ,Slgnalul. Old Old Nol
Nam. George C. afuser, SRA Nam. In6p.cl P,op.rty
Oal. Report Slgn.d March 6, 1996 Oal. R.port Slgn'd
Sla;. C.rtillcatlon /I GA: 000233,L Slill, PA Sial. C'rtlllcation /I
0, Sial' lIcen" /I Sial. 0,5 I. 1m" /I
FI!ddl. Mac FOIm 70 6;U3 PAGE 2 OF 2
FOlm UA2 -, "TOTAL 2000 101 Winriows" allplillS,1 soltw'I' hy ilia mod" iac - 1.800,ALAMOOE
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APPRAISAl. ADDENDUM, SPECIAL CONDITIONS
The to110w1n9 checked HUllIa orl,) 1S11ltdfl~: IfIHJ':\,1l ';'Hltlll.llllllJ 111M Wl!t"tJ ldlJllUtl0d uy the apPUll~r durinq th_
inlpaction of the IHJbjact propurty, th(> lnc'Jlllpilt..bll! 1I111ulf, jill' I tholr 1I('lyhu'H'ht)odlt and lOl:d1tlonll.
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1. The subject 18 located 1n I. rurlll /H:IM .1I1,t 115 )0"" thllll ~~t, blHlt..up, fhll condLtion lit
typical and cornmon tor till.! 'HUG Ilnti DOI.;:-; Hot' .Itto.-.;l thu mlHkltt valuo,
2, COlnmltrcial una are loc4tud within till! "Ilujol;ll/l Ill!ltJhborh<JtJtt. "htolUt un,. au: typictll
of 1S1rnllar ndqhborhooda IIIlO L10 rWT ar.tl.!f:t tho IlHJrkul ..,...1110.
3, tndl.1ltthl una IlU locatlld wH.llln the Itubjuct'tl nelf.Jhhorhood. 1'ho prOllenCQ ot
indulltI:'hl \JileS, tll typic,)l tor tht! neighborhood Imd l>ot;U NO'f nthct the lIlukot vallul.
4. Vacant IInd l.ullJtJrdoyeloptJd IIJnd U8ea lit" I"Clltod wltlnfl thu lIubjl!l;t1a nttl<,Jhbtlthood,
These Ullell an typicAl tor thu dUM jHld 1)0 NOT Ilttoct thif mntktJt yn.luo,
5. The predominant vululf 1n th.. nl!.l~hborhcod ls lau than thAt ot ti'tl market value ot the
subject P~Opqtty. Thl~ cond1tion 111 duo to tho auperior qU411tiQ~ of tho lIubject
property Oil dUll~ribod 1n th1tl repot:t. Th111 condition OOES NOT atteet the markllt VAlue.
6. The lIubject property ia locatod in nn t, t. A. Identified Flood Zone.
7. Dampn.,lI. 11 noted in tho bl"ls.ment ot the IHJbject. Standln9 or runninQ water Willi not
preD.nt on baulnent Boor.
6. ThQ ,ubjet'll lIS older than !ive(!)) yellra old. AU mQchanic41 sYltema includinq the
heatinq, electrical and plumblng syatem appeara upon 8 viaual ext~rior inapection to
be 1n worklnq otder. Ho W4ftantlu are lIt1pl1ed in thia IItatement,
9. The electrical lIystem was not connected during lnspection,
10. Th. water "ervice waa not conrlocted durinfJ inrspectioll.
ll, The heating lIy"ttm W4" "hut down during inspection.
12. Beptie ia common to the area.
13. ~.pa1.r 1l;emll were noted in the comments ucUon of th~ upott. Thelll' r;ornmenta on
r~p4ir items are tor d'Bcriptlve purposea only and are not required r.paira. The
repair items are coametic in nature and PO NOT attect the market value.
14. Sl.Ibject is new conlltruction and was 90\ completed on date ot inapection. Compl1an~e
and completion inspections suggested prior to nttlement.
15. Should property be aold, termite, tBdon and soptic certHic4tiona ne
recommended with appraised value based on clear reaults.
16, The land value exceeds 30\ ot total valul! due to the high demand tor vaC:4nt land 1n
thia neighborhood. This condition is considered cotMlon and typical tor the
neighborhood and PO~S NOT atfect the market vlIlue.
17. The hnd value exceede 30~ of total value. This iIs due to the latqe Sil't ot th., !lLttl.
thia condition 1a considered to be typical and common and OO~S NOT affect thl!'n market
value,
16, IndiVidual adjuatment! were required that exceed 10%. Theae adjustmenta were required
due to the lack of more lSimilar. comparablelS on that individual tatinq. All three
~omparabl.a are the BEST AVAILAaLE.
19. Total adjuatments exceed 15\. This is due to the lack ot comparables on that indlvidual
ratin9. All three c~mparAbles ~re the DEST AVAILADL~.
20. One or more comparable salea are older than aix(61 montha old. Althouqh there are
comparable propertles in the subject Grea, none have sold recently, therefore, sales
1n excesa ot lSix (6) months old had to bo used.
21. One or more at ~he comparabtes used were in excess ot oneIl) mile trom, the SUbject
property. Although there are comparables in the immediato aroa, none have sold
recently. Thor'ltor., it was neceuary to un comparabllt !Ial.u! outsido of the
immediate area. All comparables used are located in simllar neJ,ghborhoo'J,a and within
the same mark~tinq area. Atl three comparablelS ulSed were the BEST AVAILABLE.
22. Roofing cert,if1cat10n ld suggested.
23. Plumbing certitication ia ~uqgested.
24. Electrical certiflcdtion ilS suggested.
25, Heatlnq certification is elJggelJted.
26. Flood Hazard Insurance is /SuggelStod.
27. Seller ,ia paying part or aU of cloaing cost. This DOES HOT attect th. market value.
28. All comparable salea are closed /Sales.
29. The subject property has not trans for red 1n the past' 12 montha. ,
30. This appraisal is a Summary Report w~th compl.to datA retsined in appraisal tile.
Client I
Property Addrea81
Date ot Value I
Appraiser'. Signature I
~onald E. Gutshsll
106'Linoo1n Street, Enola
M.
Appraiser
I Date of Siqnaturel
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I
SRA
I George Cleuser
Form TADD - 'TOTAL 2000 lor Windows' appralsalsoltwarl by ala moda, Inc, -1.800.ALAMODE
DEPlIIITION OF MAIIKIT VALUE: lh. mOil ploblllll pncl which. P'OPllty Ihould bring In I ComPltitiV. end opln mtrl<et undll all conditiunl
"'IUIIIII lu a fair 1011, till bUYII and i!lI.r, mh Bchng prudlntiy, 1u10wl.dglably end illuming till pIIc. II nol aN.cled by undue Itimulul Implicit in tills
d.llllillon II till con,ummabon 01 I sal. BI 011 Ip.cllild dall Ind till pilling olllti. Irom 11111110 bilYlt undll conditionl whll.by: (1) bUY'1 end 111111 all
typically motival.d, (21 botil partin m wolllnlolm.d or W'II ad~lId, and mh acting III whal. hI conlldm hll own bllllnllllll. (3) a IIlIonabll time II allow.d
lor "POIUII In til. op.n mlll1<.l: (41 paym.nlll m.d. ,n 1.lml ul mh In US dolllll 01 in 1.lml ollinlnclal IIrang.m.nll compllabl. til",lu, and (61 til. Pile.
IIp1mnll ti1f nOlmal conl,dfliMn lor th. PIOP'11y lold unail.cl.d by Ip,cial 0' c",II11 "nanclng 0' lain concmlonl' g/anl.d by anyone iIIocial.d wllh
till 101.
'Adlollm.nll 10 til. compllablu mUll b. mad. lor Ipeclal 'll Clfall" Ilnanclng 01 lain concmlonl No adlulll11,nll all nlcm8lY
10' tilOIl cosll which m nOlmally pDld by 1111911 " a IIlull 01 I"dlllon 0' I.. In a mark., a'.. Ihm co"1 all ,..dlly Id,nllllalll.
~nc. m. ,.11" paYI tilm COils III YI/toally 1111 101.. I/anmllon, Sp.cral 01 ClfallY' IllIAncllIg udl'lIlm.nl, can b. madl 10 til.
comparabl. P/Op'lty by comp,'I"on. lu Ilnancmg IIlml oll"'d by , Ihlld palty In,llluhunul I.nll.. Ih,l " nol al"ady Inyol..d ill th.
plOIJer1y Of !lannellon Any lI~jlJblm~nl ShlJuld nul IJ! caleulolpd on a ml!ch.lmcal dollill lor dollar (061 01 thl! hnanc1na Of cuncuslon
but lhl dolllll amount ul any ldJlJ~lfI1l!nl ~hulJld aPlllO-.lmlll" the markl!l's fPllethJn tu the finanCIng I.If ConCI!5510nS ()aspd on tht
aPlllal"r'lludg.m.nl
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
COIITINGENT AND LIMITING CONDITIONS: lh, 'plll""r, "~IIICaIIUn Ihal 'pp.m In Ih. aplllal5,1 IIpU~ is ,ubl,cI 10 th. lollowlng
condlllon'
I lh. app'''''' Will nOli" ",punlllJl, IU1 '","'" 01 a I'gal nilluII 1I1al all.cl ..111'1 Ih. P'Up"ty b.lng appral"d 01 Ih. 1111. 10 II. lh. apPlals.r as sum.. thai
til. 11111 IS good and malk.lalll, and. 111",lu", Will nUl "lid" allY uplnlon' ,lIoullh. 1111. lh. plOp"ty Is 8pp,al5.d on Ih. ba,ls 01 it b.lng und" IIspon,lbll
ownmlllp
1 lh. appraiser h31 p'OYld.d d ,k.lch In 111. .pp/alsal IIpUlt 10 ,how ,pp/o.m.l. dlm.nslons olth. Imp,oy.m.nls and Ih. sk.lch is Inclod.d ollly 10 855lsl
tho IIad.r ollh. II"",t In Ylsualrnng the flIOP'rty and underslandlng th. app'als.r's d.l"mlnallon 01 ils Ill.
3 lh. applalSfl has ...mln.d th. ayarlabl. II00d maps th,1 '" proYld.d by Ih. F.d.ral Em.rgency M.nag.m.nl Ag.ncy (01 other dala lourcos) end has nol.d
In the app,all8l IIpo'l wh.th" Ih. sublecl ,II. I' local.d in an id'lIlJl"d Sp.clal Flood Hazard Alia BecauSl Ih. apprals" Is not a sO''IOyor, h. or she makes
no gU8lanlm, ''ll"'' or Impli.d. IIgalding Ihls d.l"mln.llon
4 lh. apprais" Will nol glY' lesllmony 01 .pp.ar in cou~ b,cau.. h. 0' ,h. mad. an ,pp,al,,1 ul til. prop"ty In q"esllon, unlm ,p.cillc .nang.m,nt, 10 do
so hm b..n mad. b.lo"hand
5 lh. .ppralser ha, 05l1mal.d th. yalu. 01 111. land In th. cosl approach al lis higllest and besl 0.. and th. Improy.m.nls al til.lr contnbolory valu. lhm
..pa"I. Yalua~on' 01 l11e land and imp'lJY!m.nls musl nol b. us.d In conlunchon With .ny omer appraisal and all Invalid iI th.y all so o..d
6 lh. appral'" has nol.d In Ih. appral,,1 IIpOrt any adY",. condlllon, (,uch as, n..d,d repairs, d,pllclailon. 111. Plls.nc. 01 hazardous wastes, 10~C
sub,'ances, .tc) ob..rv.d dunng til. Insp,cllon 01 th. ,ubj.cl prop.11y or Ihat h. 01 ,h. b.cam. awall 01 dunng th. nonnal llsea,ch InvolY.d in p.nolmlng
1111 app,alsa,. Unless olh.rwlse stal.d In 111. 'pp,als,1 "po~, th. .ppro"" has no knowl.dge 01 any hldd,n or unappmnt condl~ons 01 til. prop.11y or
adY",. .nYironm/nlal condlllon, (Including the P''''IIC' 01 hflla,dous wa,I05, 10.C ,ub,tanm, .Ic I Ihal would make Ih. prop.11y mOil 0' 1m yaluabl., and
has 85Sum.d that th". .11 nu such condllluns and m,k.. no gU3lanlm 0' warranties, "P"" or 'mpll.d. IIgardlng the condlllon 01 Ih. prop.rty lh,
apP'~ser wliI nol b. IIlpon5lbl. 10' eny mh condllluns 111'1 du ..'1 or lor any .ngln"nn9 or I.sting Ihal mlghl b. IIqul"d 10 dlscoY!l wh.til" ,uch
cundlllons .~,I B.caus. the apprals" IS nul an ''P.rt In Ih, l"ld 01 .nYI/onm.nl.1 hal3ld', th. .pprals.1 IIpOrt musl nol b. cun,id...d as ,n
.nwunm.nlal asm,m.nl ollh. prop.11y
7 Th. apprals" oblaln'd th. Inlormallon. ..11mal.s. and opln"lns thai W". ''PllsS!d In th. appral,al llport trom 10UlCOS tilal h. or she consld"s 10 b.
III1.bl. and b.llms til.m 10 b. true and cOII.cl lh. applall" dOls nol assume IIsponllblllty lor Ih. accu"cy 01 such II.ms thai w". lumlsh.d by oth"
p8l11.s
6 lh. apprai5!l wlil nol di,clos. Ih. conl,nls 01 Ih. appraisal IIpOrt fIC.pl .s provld.d lor In til. Unilorm Slandards 01 P,olmlonal Appraisal Pracllc.
9 Th. app,al5!l has bas.d his or h" aPP,,'s,1 IIpO~ 'nd yaluahon conclu,ion lor ,n 'ppr.lsa, til,1 15 lulJl,cl 10 satislaclory compl.tion, IIpall' 0'
.llmhons on th. assumpllon th.1 compl.tion ull11e ,mp'Oy.m,nl' wlil b. p.rturm.d In a wurkm.nllk. m.nn'l.
10. Th. app"ls" mUll proYld. hi, or II" pllor writi.n cun"nl b.loII Ih. IIndOl/cll'nl s~wl"d In Ih. apprals.1 IIpOrt can dl,llIb"l, Iha appraisal "po~
(InCluding conclusions .boul th. p,op.rty '/alu.. Ih. ,ppl.ls.I's Id.nhly .nd prolO55lonal d.slgnallons, and III".nm 10 .ny plolO55lonal appraisal
o,g.nllations or l11e linn with which th. .pprul", Is as,ocl.I'dl 10 .nyon. oth" than th. bOllower, th. mo~gag.. 0' ils ,ucc.ssors and 351lgns: the mortgage
In,uII', consullanl,: prolO5llonal app,al5al organlla~on', any ,Ial. or I.d.lally approY.d Iinanclal Institution: or any d.partm.nl, ag"',cy, or Inllrum.nlallty
01 the Unll.d Slal05 or any sial. 0' tha Dlslnel ot Columbia: m.pl th,llhe l,nd'l/cll.nl m.y dl,lnbul. Ih. prop.11y descnpllon mllon ollh. IIPOrt only 10 d.ta
coll.cllon or llportlng s.l;1c.(s) witiloul haYing to oblaln Ih. appral5'r'! pno' wrlll.n cons.nt Th. appraiser's WIIII.n consenl and approval musl al,o
be oblain.d b.loII the app"I.., can b. convey.d by .nyon. 10 the publiC th,ough .dY.rtlllng, public IIlallonl, n.w" "I.s, or oth" m.di..
Fllddi. Mac Fonn 439 6,93
Pag,'oI2
Fannie Mae Form l004B 6,93
G.o'g. Clauser
Form ACR - "TOTAL 2000 lur Window," appraisal softwall by ala mod., Inc, - I.BOO.ALAMOOE
APPUIIIR'I CERTifiCATION: Th. Apfll~n' clrtlllll end .grlll that:
1. I hm lilli/chId thl luhllCI mllkllllll end hm ullctld . minimum 01 thrll "cenll~1I 01 propertlll moll Ilmllll end plo~metl 10 thl IU~lCt proPlrty
lor conlldlllllon In ltl. lallI cumpwlon anllYll1 end hm midI' dollll .dlullmlnl wllln app,opnlll 10 r.IIICI ltll mm.1 rmllon 10 thOIl it.ml oIllgnillcanl
vwellan. it. IIgnillclll11 it.m In I complla~I prop.rty II lup.nor 10. or more favorabll than. thl Iubl'ct prop.rty, I 11m midi' nlglllv. adlullrnenllo reduce
thl Idlull." I~II pncI 01 thl compa,abll and, II a lignillcenllt.m In I comp8l8bl. proplrty 'I Inllllo, 10, or 1m IIvOllbl. then thl lubllCI proplrty. I hm mid.
. pollllvI adlullrnlnl 10 Inman ltll adlullld I~II pncI 01 thl cumpllabll.
2. I hm laJo.ln Into conlldarallon the laclollltlal hm en Impacl on vlluI In my dmlupmlnl olthl IIl1mlll 01 mllkll valuI In ltll apprallal report I hm nol
knowingly wlthlllld Iny lignitlcent Inl0ll111hon Irom ltll apprlilal "port end I b.llm, 10 ltll bill 01 my knOWlldOl, thaI all IIII.m.nll and Inlormabon In thl
apprallal rlpo<1 III WI and cOII.cl
3. I llal.d In thl Ipprallal report only my own Plllonll. unblaud, Ind p,olmlonal InalYIII, opln:onl, and conclullonl, which "I lubllCI only 10 thl conhng.nl
and limiting condlbonllplclllld In thlllonn
4. I hm no pllllnl 0' prOlplcbvI Inllrlllln thl prop.rty thaI II thl lubl.cl lu thll r.port, and I lIav. no prlllnl or prolplcbv. plllonal 'nllrlll or bill with
rl5llICI 10 th. partlclpanta In th. henl8ction. I did nol bill, Illhll partl.lly 01 compl.tlly, my anllYll1 endlor thl IIl1mlll 01 mllkll valul In thl appr~laI "port
on thl rlCI. color, rlllglon, Ill, lIandlcap, lemlll.1 Ilatul, or nlbonal oholn 01 lither thl p,osp.cllvI ownlll or occuplntl olthl lubl.cl prop.rty 0' 01 II" prll.nl
ownlll or occupenll 01 thl p,op.rtlllln the riclnlty olthl lubllCI proplrty.
8. I have no prlllnl or conllmplll.d lulu" Int.rlllln Ihl lubl.cl prop.rty, and nlith" my cur"nl or lutur. .mploym.nl nor my complnlabon lor plnormlno thll
appr~salls conllno.nl on thl appralnd valuI olthl prop.rty
6. I WI' nol rl<lulr.d 10 "port I pr.d.llnnln.d valu. 0' dlr.cllon In valu. thaI lavors!h. cau" ullh. cll.nl 0' any "IIlld party, thl amounl olthl ValUI "lImall,
thl .ltalnm.nl 01 . IPlCnlC reluil. or thl occunlnCI 01 . lubuqulnlmnl ,n ordlr to r.c.iv. my complnlallon and/or .mploym.nllor p.rtormlno th. appllllal. I
did nol bll' thl apprallal rlport on a requIII.d minimum valuabon, a speclllc valuatiun, O,thl nlld 10 app'oVl a speclllc monOlg.loan,
7. I plrtonnld thll appral.alln conlonnlty with !hI Uniform Slandardi 01 Pralmlonal Appraisal Pllcllc. thai werl adoplld end promulOllld by 11I1 App,aliOl
S~'Vld8ldl BOlld 01 Th. Appr~l~ Foundation and lIIal well In placl as 01 !he .fllcllVl dall 01 this app'alsal. with thl exclpllon oIthl dep8l11Jrl provision 01 thou
Standlldl, which dOli nol apply. I acknowlldOo thai In ullmall of a "dsonab:e IIml lor e'Posureln thl opln mll~llls a cond~on In thl dlflnlllon 01 market value
Md thl "timatl I developld II consllllnl with thl marklbng lime noled In thl nelghbo'hood mllon 01 thll "port. unlm I hm otherwl51 slatld In 11I1
rlconclliallon uction.
8, I hm plllon~ly Insp.clld III. Inl.nor ond .J<t.hor areas 01 the subl.cl prop.rty and the .J<tehor 01 all properties IIsl.d al compa'a~1I In th. appral.a1 "port.
Ilurthll c.rtlfy lIIall hm nolld .ny appar.nl or known advlISI condillnnl In Ill. sublecl improvemlnls, on thl lublect 1111, or on any litl within thl ImmMllall
vlclnily 01 thl lubllCI property 01 which I am awarl and have made adluslmenls lor thm advlISI condlllons In my analysis 01 11I1 proPlrty valul 10 1II11J<tlnl 11I.1
I had m8l1<11IvldlncI tu luppon them I 11m also commenl.d Iboul thl efllcl of Ihl adverse condlllons on thl mark.labllity olthl .ubl.cl p,op.rty,
9 I plllonllly p"pllld all concluiions .nd opinions aboul Ih. real eslal. thai we" sel lorth in the appraisal Ilport. If I ,,1I.d on slgnlllcanl professional
anlilancl I,om any Individual or Individual. in 11I1 penonnancl 01 !he apPlllsal or th. pllparallon 01 III. appIIllI1 report, I lIavl namld such Indlvldu.'(s) and
dlsc,usld 11I1 specillc tasks penonn.d by !hem in thl Ilconclllation mllon of IIIls Ippralsal "port I c.rtlly :hat any Individual so nam.d Is qualllled 10 p.rtorm
thl IlIks. I lIave not aull10nlld .nyonl 10 makl a chano. 10 any Ilem in Ihl report: !he"lor., II an unaulllohlld cll.nOI Is madl 10 thl appraisal "port, I willlak.
no responsibility lor II
SUPERVISORY APPRAISER'S CERTIFICATION: II a SUP8l'llSOlY appraiser slgn.d thl appraisal r.port, he or shl c.rtllles and agrlll thaI
I dlreclly supeMse lI1e applalser who prepallil Ihe arprals.1 report. have reviewed th. .ppralsal repon. agr.. with th. slatlm.nls and conclusions of 11I1 appraiser.
agrlllo b. bound by the appralS!ts certlflcallons numbtlld 4throIJgh 7 alluVl, and am la~ng fullll.ponslbillty lor th. appraisal and III. appraisal r.port.
ADDRESS OF PROPERTY APPRAISED: 106 Lincoln Slreet
APPUISE,
Slgnatu" )0 (; I-(~( C lOo.!J..j,t
N.m.: George C. Cleaser, SRA
0&11 S'gned: March 6, 1998
51.1. C.rtlllcabon" GA: 000233.L
or Slallllclnse':
Stale: PA
Explrallon DatI 01 C.rtlflcallon or lIc.nte: 6130109
SUPERVISORY APPRAISER lonlr If required):
""--
SlonaMe:
Nam.:
Oal. Slgn.d:
Stal. C.rtlllcallon ,:
or Slall lIc.nse /I:
Slate:
E'Pirallon DIll 01 Clrtlllc.llon or L1clnll:
Old Old Nollnsplcl Proparty
Friddle Mac Form 439 6.93
Page 2 012
FQrm ACR - 'TOTAL 2000 lor Windows' apprallalsoltwatl by a la mode, Inc, - 1-BOO,AlAMODE
I
I~nnl. Mal Form 10048 6,93
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I wuuld Apprtd~lt A prumpl re5lmll5e,
l~e5peelrully,
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^ liS M. MCII
1t1/rl/f'Y""""'W
JMn/lm
It,lIcll trller IJr IUtt Aill Curl" d,llrIIIO/5/'J8
cel, nlvorce Mash'l' l',lieker
Ventll GlIlSh~lIb
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III the COU.1I1r Commoll I-tellS IIf CUMIIERI.AND Counly, l-ennsytYllllhl
DOMElITIC RELATIONS SEcTION
VBRNA L, GUTSHALL ) Oll\:k~l NUlllh~r 3149 dl91l
PlulmU'l' )
Vii. .) I'ACSl!S ('u~~ NUlllh~r 6780000a4
RONALD B, GUTSHALL )
Octtll~UIll ) Olh~r Slal~ 10 NUIII~r DR H,924
o..aw:
AND NOW 10 wit, this
NOVEMBBR a4, 1998
II Is hereby Ordered
that:
THB ALIMONY PEtroENTE LITE ORDER IS VACATED, EPPECTIVB SEPTEMBER a2, 1998,
PURSUANT TO THE DECREE IN DIVORCE OF SAID DATE,
THERE IS A REMAINING BALANCE OP $312.00 OWED TO PETITIONER AND $26,00 IN
SBRVICB PBES OWBD TO THE DOMESTIC RELATIONS SECTION. THE REMAINING BALANCBS
WILL BE PAID AT $65.00 PER WBBK.
."
XC,JAMBS M. BACH, BSO,
MARCUS A, M~KNIGHT, III, BSO,
BV TilE COURTl .
OROI R. J. Shadday
eel Verna L. Gutshall. plaintiff
Strvk. ty~M1 Po. Gutshall, defendant.
t>\l...1.) 1''u."1),,J I"I,);"C\
.JUDGE
Furlll OE.OO I
Wurktr ID 21005
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\1: ',~!;)( i,,;,II',>'I' i,',,' , , ,,' , ATTORNEY AND COUNSELOR AT LAW ' "I'\";I::'\!li:I\:;'I(I~ r~~Mi':i';i(~~i{
!1\~~lq\I"'I:I,"::,., I 'I'" .',':, :" 352 SOUTH SPORTING HILL ROAD ' 1 "I.II,"I"':(! /iI'ill'.} ;) I"l\[
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6. Thi5 Order rel~tes to the provi5ion of (l1l~rit~1 property righu, child 5Upport or
lllimony) to the Alternate pllyee a5 a result of the Order of Di550lution of Marriolge between
Participant and Alternate Payee iS5Ued on September 22, 1998,
7, Marital Portion of Particip~nt's Accrued Benefit: The Alten1Jte P~yee ~nd
Pllrticipant were m~rried on Febru~ry 9, 1974, The Plan 5h~1I p~y to Vern~ L Gutsh~1I the
sum of Ten Thous~nd Dollm (510,000.00), which sh~1I be considered the full Altern~te
Payee's benefit. The payment must be m~de .15 500n ~5 the P~rtidp~nt is eligible to receive hi5
benefit.
8. Amount of Alternate Payee's Benefit: The ,Imoum of the Alternate Payee's benefit
is Ten Thou511nd DolI~rs (510,000.00),
9. Commencement Date ~nd Form of Payment to Alternale Payee: The Altern,lle
Payee 5h~1I be eligible to commence his/her benefits under the PI~n as of the e~rliest d~te on
which the P~l'ticipant is eligible to commence benefits under the Plm. The Altern~le P~yee
shall be entitled to receive his/her benefits in .Iny form av~il~ble under the terms ~nd
provisions of the Plan, to the extent permitted under Section 414(P) of the Code. Any
actuarial reduction that might be necess~ry to convert Alternate P~yee's benefits to one based
on the Alternate Payee's lifetime should be (split equally between the Particip'lnt and the
Alternate Payee)(born by the altern.lle P~yee). Further, should my early commencement
reduction be necessary in the event that the Altern'lte P~yee commences his/her benefits prior
to Participant's Normal Retirement Date, then stich reduction (shall be applied to Alternate
Payee's benefits).
10. Treatment of Alternate payee as Surviving Spouse for Purposes of Determining
Qualified pre-retirement Survivor Annuity ~nd Qu~lified Joint .lIId Survivor Annuity, ~s Such
Terms Are Defined in Section 417 of the Code: The Altern~te payee sh~1I be treated \IS the
surviving spouse of the Particip~nt's 100% of the ~ccrued benefit under the Plan that was not
assigned, as of the Participant's date of de~th, to the extent permiued under the provisions of
the PI~n. For purposes of determining the eligibility of such surviving spouse benefits, the
Alternate Payee and the Participant have s.llisfied the one (1).ye~r m~rri~ge requirement as
enumerated in Sections 401(a)(II) ~nd 417(d) offhe Code.
11. This Order is not intended, and sh,l11 not be construed in such a m~nner as to
require the Plan:
(a) to provide any type or form of benefit option not otherwise provided under
the terms of the PI~nj
(b) to require the PI~n to provide increased benefits determined on the b~sis of
~ctuarial valuej or
(c) to require the payment of any benefits to the Altern~te payee that ~re
required to be paid to another ,llternate payee under .mother Order
2
previou51y deemed 1<) be ~ QDRO,
12. Certification of Necmary Information: All paynwnu made pursuant to this
Order shall be conditioned on the certification by the Alternate Payee and the Participant tll
the Plan Administrator of such infornution as the Plan Adminimator may reasonably require
from such parties to make the necemry calculation llf the benefit amounts contained herein.
13, Continued Qu~lified St~tus of Order: It is the intention of the p~rties that this
QDRO continue to qualify as a QDRO under Section 414(P) of the Internal Revenue Code, as
it may be amended from time to time, and that the Plan Adlllinistr~lllr shall reserve the right
to reconfirm the qualified status of the Order ~t the time benefits become payable hereur.der.
14, Tax Treatment of Distributions Made under This Order: For purposes of Sections
402(a)(l) ~nd 72 of the [ntern.11 Revenue Code, any Alternate P,lyee who is the spouse or
former spouse of the Participant sh.11I be trc.lted .IS the distributee of any distribution or
p~ymcnts made to the Alternate Payee under the terms of this Order, and as such, will be
required to pay the appropriolte federal income taxes on such distriblllion.
15, Constructive Receipt: In the event that the Plan Trustee inadvertently pays to the
Participant ~ny benefits th.lt are assigned to the Alternate p.lyee pursu.lllt to the terms of this
Order, the Participant shall immediately reimburse the Alternate payee to the extent that
he/she has received such benefit payments and shall forthwith pay such amount so received
directly to the Alternate Payee within ten (10) days of receipt.
16. Continued Jurisdiction: The Court shall retain jurisdiction with respect to this
Order to the extent required to maintain the original intent of the parties .IS stipulated herein.
17. Effect of Plan Termination: [n the event that the Participant's benefits, or any
portion thereof, become payable to the Participant as a result of a plan termination or parti.11
termination pursuant to Title [V of ERISA, then the Alternate Payee shall be entitled to
commence his/her benefits immediately in accordance with the terms of this QDRO and in
accordance with the termination procl.dures of the plan and the Pension Benefit Guaramee
Corporation ("PBCG"). Further, should the P.lrticipant's benefits be reduced as a result of
such termination or partial termination, then the amounts otherwise pay"ble to the Alternate
Payee under this QDRO shall be reduced to the same extent "nd in the same ratio as the
Participant's benefits are reduced.
I.
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EXHIBIT II A"
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~. " , ".:, "::, ---=-:: '...' ---..:...:' , _.....:.r.:..h".~'_..:_~:_ .---l:.........; ".1:'. '.' '." '...~' I - _.~
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INCOME AND EXPENSE SrAT~MENT OF
___,..,_RONAL!L!h.._C)UTBI~I.J._______,___,_
66N -!o~L._.iL,-1.~~L____ DRN m,~_L,_._.._._ DATE
THIS STATEMENT MU6T BE FILLED OUT
(II you are sell,employed or II you are salaried by a business of which you are owner In whole or In part, you must
also fill oul the Supplementellncome Sletement which appears on the last page of this Income and Expense
Statemen!.)
INCOME
(a) Wages/Salary
Employer & Address Rite Aid lleadQUBl'tern. Corll.............
Job TltlelDescrlptlon ___
Pay PerlQd (weekly, bl.weekly, monthly) Weekly
Gross Pay per Pay Period ..........................................."................................."............."",..,.........".... $495.20
Payroll Deductions:
Federal Withholding ..................$40,39
Social Security ...............,....,......$
Local Wage Tax .... .,...................$
Slate Income Tax .......................$13.87
Retirement .................,................$
Health Insurance ........................$J_. 18
Other (specify) ..Dlmtnl.............$...2..00
.........................$
.........................$-
Net Pay per Pay Period .........................................,..........".................................................................. $ 362.11
TOlal, Olher Income ,......................$
Month Yea,
$_ $
$ $
$ $
$ $
$ .. $
$ $
$ $
$ $
$_ $
.
(b) Other Income Week
In leres lID Ivldend s ......................$
Pension/Annuity .........................$
Social Security ...........................$'
Renls/Royalllee ,...,....................,$
Expense Account .......................$
Glfls ...................................,.........$
Unemployment Compensation .$
Workmen's Compensation ........$
INCOME AND EXPENSE STATEMENT OF
RONALD E. GUTSHALL
I verily Ihallho alalomonl. mado'n Ihlalncomo and E,l<pon.a 61010'
ment a,etrue and correet. I understand Ihal falSI Itelementa hareln
ora modo .ublDCI \0 Iho panalllo. of 18 Po.C.6, 4.904 rolallng 10
unaworn 1.1.lllcollon 10 aulhorlllo.,
oBla: ________
PI.lnllll o,oOiiiiiifiinj
ORa H405
Housohol<J
Woltk
EXPENSES
HOlllo
MortgooolHollt ..,..,..,............................... $ .,U!l.:L'i,.
Malntonanco ""',.",.""......,,........,.........., $ __2.5.0_.....
UtllIlJos (tolephollo, heating
oloctrlc, etc.) ......,............,.................... $ _._27 ,.lI_~____
Employment (transportation,
lunches) .........,..,..............,..........,........ $ __. l~.._gO_..
Taxes
Real Estate ..........................................,.. $ .....U.27....,
Peroollal [lroperty..................,............,.. $ __..),)/,___,
'ncolne ...........,....,..............................".... $ -----i _. ____
Insurance
Homeowllors ....., ............ .........,..... ..,.......
Automobllo ..",....". II ,... ..., ,.,.........., ..........
L1feIAccldent/Heallh ..............................
Other ..,.....................................................
Automobllo (paymonto, fuel,
repairs) .....,...................,.......................
Medical
Doctor, Dentist, Orthodontist ................
Hospital,..................................................
SpeclGI (olasses. broces, etc.) ...............
Education
Private. Parochial School.......................
College ...,.................................................
Personal
Clothing .................................,................. $
Food ......................................................... $
Other (household supplies,
barber, etc.) .................................,........
Credit payments and loans ....................
Mlscelleneous
Household helplchlld care ...............,..... $
Entertainment (Inc. papers,
books, vacation, pay TV, etc.) ........,...
Gills/Charitable contributions .............,
Legal Fees """"...................,...................
Other child supportlallmony
payments ......... '" ....................... ... .......
Other (specify) ..ttllBh..:............,..;..,............
Union Duell
$ _,2...J.6_
$ 11.8L,
$ _-2;b1L,
$-..--
$ __!AJ.ll1._
$_~.gO_
$--.-.-
$ _;t..:i.lL..
,
$ --..-.-
$--
7,92
100.00
$ 6,25
$ _..liW.'L
$ 7.48
$ 1/..00
$---
Total Expenses ...................................... ......
$
$ 3.19
7.58
$ 575.79
Chll<J
Wellk
$.
$ ,-,-
$ ---
$---
$ ----
$ --.-.--.---..
$ -.--.--.-
$
$ -------
$---..,.--..-,
$ ------.
$ -...----
$---
$ --.-..-.
$ -----,
$---,
$
$
$
$
$---
$---
I tousohold
MO/lth
$ ,.71.UU ...
$_H),J)!L_,_.
$ J.9.~.J~__._..
$ 140 ,O~_._,__
$ ....1.hl}!l......
$ _....!J, 16____
$-........-..-
$ -!!ill.__
$ ....!!l.:J.!-
$ __21.15
$ ----
$ _ill.1...'1J_.
$ __8,Olt_
$
$ ,.._1.0,00__
L
L,
$ 31.67
$ 400.00
$. 25.00
$ 191.00
$
Chll<J
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$
$
$
$ -- --.
$-.-.-.-...
$.....___
$ .,.....-.-
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$-.-.-
$--...- -
$__...
$---
$
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$ ...-.....
$
$
$
$
$ L,..39 ,90 $
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$ $ ----.-- $-
$ $ --,----- $
$ L..J2,7~__ $
30,33
$ $ Z.o.lli...l.!L, $
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lnoll, PA 17025
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O. PROPIRTY lOCATION
106 llncoln Strl.1
lnoll, PA 17025
Cumberland county, PA
-~- i1.-;EITlIMfNT ALiI.""'--'-'-13'26188'oo"
Rellty httlC'mtf\1 6ervlc.. of York, Inc.
I. IEIILEMENT DATE
PLACE 01 IETILENENI
1418 EOlt Mor~ft Str.,t
York, I)A 171.03
Jlnuuy 29, 1999
J. SUHHA!Y 01 IDRR~R'I TRANIACTION
100. OROII AMOUNT DUE fRON 10UM! 400.
101. Contr.ct lal.. Prtel 31,300.00 401.
102. P.r.ontl Properly 402.
103. '.ttl~t Chlrg.. to lorrower IInll400 3,253,36 403.
104. 404.
105. 405.
Ad)uII_II lor 11_ ptld by Itlllr In IdYlne. .
106. ctty/t.... t.... 10 406.
107. COU1ty tUII to 407.
101. A.....,."t. 01'29." to 07-0'-99 166.26 401.
109. 409.
110. 410.
11' . 41'.
112. 412.
K, IUHHARY 01 IELLER'S TRANIACIIOH
GROll AMOUNT DUE 10 IElLER
Contr.ct Sll.1 Prle.
p.r.on.l Property
31,300.00
Ad)u'lmenll lor
Cl tV/town ux..
County tUII
Anf8lmtnt.
It.... pold by hll.r In odv.nu
to
to
01.29.99 to 07'~""
166.26
120. GROll AMOUNT DUE fROM IORR~R
4',719.62 420. GROl5 AMOlINI DUE TO IfLLlR
31,466.26
-
200, AMOUNTS PAID IY DR IN IEHAl' Of 100ROWER
201. D"P011t or ..rnllt InDn'Y
202. PrincIpal Amount of N.w LOlnCI)
203. ..Iulna LOln(l) Tok.n IlbJtct to
204.
205.
206.
~-
208.
209.
500. REOUCIIONI IN AMOUNT DUE TO SELLER
501. f.~COII Depollt (If. In.truetlon~)
34,470.00 502. S,ttlement ChargfS to selter llne1400
503. Existing loans liken SubJ.ct to
_____ 504. Payoff ht Ht" to Bluer COnlllfMlr Dllcountl
505. Payoff of 5CCOnd mortua,,!! loan
506.
~. Payoff lODn;Bl.lfr Con.~r DI,count Co./Ac
50B.
509.
673.00
27,~47.97
734.41
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2'1.
212.
2'3.
2'4.
m.
216,
2'7.
2'1.
2'9.
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AdJultl'Mt1t. for
CltY/lO"" 11""
CWlty I....
At....IltnU
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01-01'" to 01.29.99
01-01'" 1001.29."
10
1.88
5.35
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511.
512.
m.
514.
515.
516.
517.
518.
519.
AdJUlltmentl for
City/town taxes
County tOlln
AIS'lsment,
It~1 unpafd by Seller
01-01'99 to 0"29'"
01.01." to Of.29."
2.88
5.35
to
.
34,478.23 520. 10lAL REDUCTION AMOUNI DUE SELLER
29,363.6'
300. CAIN AT IErrLEMF.NI /AOM/TO IDRRMR
301. GrOll "'T Out Ir... lorr....r Cl tna 120)
302. llll AIlt P.ld by/lor ..rr...lr Clln. 220) (
600. CAIH AI 5EIILEMENI 10/IROM SELLER
41,719.62 601. Gro.. Amount OUI to 1111.r ClIn.420)
34,/,78.23) 602. LISS Reduellon. OUI Itlllr (1In.520) (
303. CASN [XI /AOM
[ I TO
1000RMR
7,241.39 6U3. CAlli [XI 10
[ I FROM
SELLER
18,466.26
29,363.61)
9,102.65
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1&2 of this lutemcnt & Iny .tuchmenta r.f.rrtd to tlfreln.
5ELLER ~C.J..'ll1l.L
Ronald E. Gutlhall
BORR~R
IELLER-
Verne L. GLJtsh.11
HlID" (3-116) IESPA, Nt 43~5.2
DIFENDANT'I
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701, . I.
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704.
100. IIIHI PAYAILI IN CONNICIION WII" LOAN
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1104. C...,II.II"" ,".
805. ,Iood CI.II'lc.ll,," '""
806. Comlt.nt ...
107. 10. II.vl.. 'II
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PAID "(14
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109.
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900,
901.
902,
903.
904.
905.
1000. I!IIIVII O!POSIIIO WIIH LEHOEI
1001. ""Ird I nluranc.
1002, "Orlglll 1 nlU.1I1C1
100S, CllV/lown 1..11
1004. County.....
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1006.
1007.
IDOl. Allrllll. Acct Ad/u.lmonl
1100. IIILI CNAIOEI
1101, IIIII.-.nl 0. Clo.lng '"'
1102. Abol..cl 0. 1I1II 11..ch
1103, IIN Corllflc"l,," 'II
1104. OVI.nllhl "0
1105. O......nl '.lpo.III ""
1106. Hol..y ,".,
1107. Allornoy" 'III
"nclud.. IboVI 11_ rumo.l.
Ilea. 11111 lnou....... 10 hilly Selll_nl SlrvlclI 0' York,
"nclucltl IboVI II" rumo'll 1101, 1103, "03, 1104
1109. Londo.'. COVI.II' I 35,000.00
ilIa. Owno". tOV""11 I 39.000.00
.g.g. IndorslMntl 100300 e.' to Rulty 5~"tltmen~.~ervlcfl of York
'''2.
m3.
1200. DOVEIN"EHI aECOAOING AND
1201. Ilco.dlng "01' O.od I
1202. CIIV/C...,IV 10.1511"'1'"'
1203. Itoll lo.,Stompl.
'204. A..llnment of MortOlge
'205. II.t.factlon of Mortgag. to
1300. ADDIIIONAL IEIILEHENI tNARGES
130'. IU'voV
IS02. POll Inlpoctlon
1303,
1304.
1305.
'400. lOlAL SIITLE"EHI CNAROES (Entor On Line. 103, s..tlon J Inri 502, SI.llon K)
Courier h.
Acnlnlltrltlvl -;11
"lid Iprold
IIEHI aEOUlaED I' LENOIR 10 IE PAID IN ACVAHCE
Inllrlll "001 0"29'99 t. 02'0"99 III 6,138800/dIVii
MortOlgl In.urlne. Pr~lu. for ~ths to
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II I
III
II 5
II I
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pcr InOnth
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por IlOnlh
6,26
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297.45
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months
2.000 month.
2.000 month.
9.000 monlh,
months
months
10
to
to Jlne F.. Dlddl.
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15.50 15.50
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IRANSIER CHARGES
27.00 I"Ort9o~,j-i)5.00 ;Rll......i---..
Dud' 363.00 ;Hort9~~e S
D.ed S 383 :~'!...-1~~~~~~__
hcord,r of Cuds
Recorder of Duds
62.00
363.00
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313.00
15.50
to
10
3,253.36
673.00
IV Iloning page , of this Itelement, the signatories ockn~wledgl recllpt of I compl.ted copy of peOt 2 of thl, 2 page Itet~nt.
(11/111'0)
Clrtlllld 10 bo . Iruo COPV.
PollcV Cont.ol Humbo.,
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BIlfl'tY'Slttlement Slrvi?ito Y~rk, I~/
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- - -. . - .' , ~ ~ -" - ". .
" . - -. I . - J. Jo.lI-l
VERNA L. GUTSHALL, I IN THE COURT OF COMMON PLEAS OF
Plaintiff I CUMBERLAND COUNTY, PENNSYLVANIA
I
V. I CIVIL ACTION - LAW
I IN DIVORCE
RONALD E. GUTSHALL, I
Defendant I NO. 96-3949 CIVIL TERM
REI Pre-Hearing Conference Memorandum
DATE I December 31, 1997
Present for the Plaintiff, Verna L. Gutshall, is
attorney James M. Bach, and present for the Defendant, Ronald E.
Gutshall, is attorney Marcus A. McKnight, III.
A divorce complaint was filed on July 11, 1996,
raising grounds for divorce of irretrievable breakdown of the
marriage. No economic claims were raised in the complaint. on
July 30, 1997, an amended complaint was filed raising the
economic claims of equitable distribution, alimony, alimony
pendente lite, and counsel fees and costs.
counsel have indicated that the parties will sign
and file affidavits of consent and waivers of notice of
intention to request entry of divorce decree so that the divorce
can be concluded under section 3301(c) of the Domestic Relations
Code.
with respect to the factor of marital misconduct,
Mr. McKnight is going to aver that wife was involved with a male
friend prior to the parties' separation. Mr. Bach is going to
check with his client to determine if that information is
accurate and perhaps stipulate to the alleged relationship prior
to the parties' separation; otherwise, we will take limited
testimony on that factor relating to the alleged extramarital
relationship.
The parties were married on February 9, 1974, and
separated July 11, 1996. There is one emancipated child of the
marriage.
wife is 42 years of age and resides at 2120
Queens Drive, Apartment A-1, Harrisburg, Pennsylvania, 17110,
where she lives with a male friend. She may have her GED but
apparently did not graduate from high school. She has a
cleaning business which she works at part-time and she is also
now working at a full-time job. Her attorney is going to get
updated income information about her new employment.
.... , .......01' .. _ _...._ _ _~"''''''_ ~_.._... ._._ .._....
Wifels earning capacity as stated on a support
order form dated August 12, 1997, was set at $1,127.00 per
month. Mr. Mc~night believes that amount is the total of her
part-tilne employment and her full-time omployment. Mr. Bach
indicated that his client has asthma1 otherwise, apparently, her
ability to work is not affected by her health.
Wife is currently receiving alimony pendente lite
in the amount of $60.00 per week. Husband is also paying
$115.00 to the Internal Revenue Service toward the liquidation
of a joint obligation of the parties to the IRS. There is some
question, however., as to the basis for the liability to the IRS,
whether it arises solely out of wife's failure to pay adequate
sums as a result of the cleaning business for withholding and
social security or whether the amount owed results from other
issues.
Mr. Bach does say that the Cleaning business was
a joint operation of the parties, so we do have apparently an
issue as to whether or not the IRS liability is to be considered
the obligation of both parties or whether part of that
obligation arises out of the failure of one of the parties to
make appropriate contributions. In any event, the tax returns
from which this IRS debt resulted were joint returns.
Husband is 46 years of age and resides at 106
Lincoln street, Enola, Pennsylvania, 17025, where he lives
alone. He is a high school graduate and works in the warehouse
at Rite Aid Corporation. Apparently his job is going to be
terminated within the next couple years, and he will be looking
for other employment1 however, currently, his net monthly income
is $2,019.00. This information is based on the support office
form from which wife's earning capacity was derived. The
husband has not raised any health issues.
The parties own real estate at 106 Lincoln
Street, Enola, Pennsylvania. Mr. McKnight is gc~ng to have the
property appraised inasmuch as wife claims it is worth
$60,000.00 and husband claims it is worth $45,000.00. The
property is subject to a mortgage in favor of Blazer Finance
with a payoff of around $29,000.00. There is also a second loan
with Blazer which may be a lien against the house of around
$2,000.00.
The parties own a 1996 Chrysler automobile which
is in husband's possession. There is some dispute as to the net
value of that car. Mr. McKnight believes that the value is no
more than the loan amount, which means, therefore, that there is
no equity in the vehicle. Mr. Bach claims, however, that the
loan amount of around $5,000.00 is less than the value of the
vehicle. Counsel are going to try to determine through
appropriate automobile valuation books what the value of the
vehicle is.
Mr. Bach listed a whole life insurance policy on
his pretrial statement. Mr. McKnight indicated that his client
believes that there is a policy but has no specific information
about the policy. Counsel are going to inquire about the nature
of the policy and determine if there is any cash value.
Husband is vested in a pension with Rite Aid
Corporation where he works. Mr. McKnight has provided a
statement of the value of that pension as of December 1, 1997.
The value can be updated to the date of the hearing by using an
interest factor. The value shown on the exhibit of Mr. McKnight
is $14,883.00. The plan is a defined contribution plan.
There has been no decision as to whether or not
there is any value in wife's business. Mr. McKnight is using a
$10,000.00 figure. Mr. Bach's position is that there is no
value to the business. Mr. McKnight indicated that the person
that he is going to hire to review the tax liability situation
will also take a look at the business value issue.
Husband has in his possession most all of the
household tangible personal property and wife claims the value
of that property is worth around $5,000.00. Husband denies that
value and is going to have the property app.aised.
At separation the parties had a checking/savings
account with an approximate value of $300.00 and a credit union
account with an approximate value of $500.00. We will need to
know who received the benefits of those funds after the parties
separated and whether or not those accounts still are in
existence.
Counsel have listed on the pretrial statement
certain items of marital debt including the mortgage, the car
loan, the IRS loan, and a VISA/MasterCard loan with Northwest
Savings as well as a loan to Montgomery Ward. The Master is
requesting that counsel provide a statement of separation
balances on these accounts and then provide the current
balances. Apparently husband has been making the payments on
these accounts, so we can determine what credit, if any, husband
is due.
With respect to the IRS lien, Mr. Bach has
indicated that his client did make some post-separation payments
FlLlIO, O/'FICE
or- if F :0: ':1 (ilt"1j1)rMY PI
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This case Wllll resolved by IIn IIgreement rellched by the pllrties betore E, Robert Elicker,
Divorce MlIIlter on April 21, 1998, 11 copy of which Is IIttllched hereto IInd mllde II pllJ'l of this
Petition IlIld mlll'ked lIlI Exhibit "A",
5,
Since the date of thllt IIgreement, the respondent hllll refused to sign over the title to the
1986 Chrysler automobile to the petitioner,
6,
The respondent hIlS received the sum of One Thousllnd IlIld noli 00 ($1,000,00) Dollars
from the petitioner towlII'd the tot III sum ofTen Thousllnd IlIld no/IOO ($10,000,00) Dollars, She
hBB refused to return the sum of One Thousllnd IlIld no/IOO ($1,000,00) DolllII's when she
receives Ten Thouslllld IlIld no/IOO ($10,000.00) DolllII's from the petitioner's retirement from
Rite Aid Corporlltion,
7.
In IIddition, lifter the settlement the petitioner discovered thlltthe respondent hlld incurred
additional debt with First ClII'd IlIld obligated the petitioner by torging his name,
8.
A copy of the application with the forged signature of the petitioner is attachud hereto IlIld
marked liS Exhibit"B" and is made a part of this petition, The respondent hIlS tidied to accept
full responsibility for said bill. A copy of her signature is attached hereto and marked as Exhibit
"e", The petitioner seeks IIn Order of Court which does the following:
3
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OF THF r{;rJTf'a>!OTNIY
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99 JUI/ -3 FH 4r 02
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I IN TH~ CO~RT OF COMMON PLEAS OF
I CUMB~RLAND COUNTY, P~NNSYLVANIA
t
t NO. 96 - 3949 CIVIL
I
I
t IN OIVORC~
VERNA L. GUTSHALL,
Plaintiff
RONALD E. GUTSHALL,
Defendant
THE MAST~RI Tod~y is Tuesday, April 21, 1998.
This is the date set for a Master's hearing in the above
captioned divorce proceedings, Present in the hearing room are
the Plaintiff, Verna L. Gutshall and her counsel James M. Bach,
and the Defendant, Ronald E. Gutshall, and his counsel Marcus A.
McKnight, III.
This action was commenced with a divorce complaint
being filed on July 11, 1996, raising grounds for divorce of
irretrievable breakdown of the marriage. Both parties have
provided the Master today with affidavits or consent and waivers
of notice of intention to request entry of divorce decree which
will be filed by the Master's office. It is noted that Mr.
Gutshall previously signed his affidavit of consent and waiver
of notice on November 4, 1997. He specifically, in front of the
Master and his counsel, changed the date to April 21, 1998, and
initialed the change. consequently both affidavits are timely
dated and will be filed as indicated by the Master.
On July 3D, 1997, an amended complaint was filed by
wife wherein she raised the economic claims of equitable
distribution, alimony, alimony pendente lite, and counsel fees
and costs.
The Master has been advised by counsel that after
extensive negotiations, and review of the assets I valuation of
asmets, and debts I that the parties have reached a comprehensive
agreement of all outstanding issues. An agreement is going to
be placed on the record in the presence of the parties and
counsel. The agreement as stated on the record will be
considered the substantive agreement of the parties not subject
to any changes or modifications except for correction of
typographical errors.
The agreement is going to be transcribed and the
parties and counsel will return later this morning to review the
draft for typographical errors and then after any corrections
are made, the parties and counsel will affix their signatures by
way of affirmation of the terms of the agreement. It is
specifically noted, however, that no substantive changes can be
made to the agreement following the statement of the parties on
the record at this time.
After the agreement has been placed on the r~cord
and consistent with the terms of th~ agreement, the Master will
prepare an order vacating his appointment an~ a praecipe can be
filed by counsel to obtain a final decree in divorce. The
~aster has been advised that part of the agreement will provide
that until husband completes settlement of the cash to wife as
stated in the agreement, that the Master will remain appointed
and will not vacate his appointment until such time as he is
notified by counsel that the sQttlemont has been consummated.
After that notice by counsel, the Master will submit the case
with his order vacating his appointment and counsel will then be
able to transmit the record to the Court. Mr. McKnight.
MR. McKNIGHTl After stipulating to the values, the
parties have agreed on the following distribution of assetsl
1. Husband will receive the marital real estate property
which is located at 106 Lincoln street, Enola,
Pennsylvania. wife will convey her interest in the real
estate by deed upon settlement for the amount she has
received under this settlement from husband.
2. Husband will receive his pension with Rite Aid
corporation and wife will waive all claims to that
pension.
3. Husband will receive all his personal property and his
truck collection currently in his possession.
4. Husband will receive the Baltimore life insurance policy,
and the bank accounts that were owned by the parties at
the time of separation will be husband's.
5. Wife will receive her business which is a janitorial
business and she will receive some items of personal
property that have been stipulated to that are in
husband's possession and she will notify him when she is
going to be picking that up. (two dressers and a crib)
6. Husband agrees to pay within 90 days of this date the
sum of $10,000.00 to wife. It is anticipated this would
be by lump sum. If husband is unable to acquire the
financing necessary, the parties may agree that all or
part of that $10,000.00 may be paid from his retirement
and a QDRO would be entered by the parties to implement
that if necessary.
7. Husband will assume payment of the mortgages, he will
have sole title to his automobile and pay the Chrysler
debt associated with that. In addition, he will pay the
following debtsl
Montgomery Ward charge account,
Northwe.t Finance Loanr
The 1st Card credit card debt,
and a debt to the IRS which includes the 1995, 1996 and
1997 balances owed to the IRS.
Husband agrees that he will pay the above mentioned debts
and will indemnify the wife if any claim is made
against her for any of those debts or payments on
those debts.
8. The parties have agreed that both parties will waive any
claim for counsel fees against the other and that wife
has withdrawn or agrees that she will make no claim for
alimony as part of this divorce claim. Husband, of
course, makes no claim against wife for alimony.
9. It is understood that husband will continue to pay the
existing alimony pendente lite until a final divorce
decree is entered in this case and such a decree will not
be entered until the terms of this settlement are
fulfilled, primarly the transfer of the real estate and
the payment of the $10,000.00 from husband to wife.
10. The Divorce Master agrees not to vacate his appointment
until the terms of the settlement are completed, being
the deed transfer and the payment of the $10,000.00 are
completed, and counsel will notify him when that has been
accomplished.
11. currently wife is covered under the husband's Rite Aid
medical insurance coverage and since it is anticipated
that that will end upon the entry of the divorce decree,
husband will endeavor to provide wife with the COBRA
requirements from the Rite Aid corporation so that she,
at her option, may continue coverage if she can afford to
do so.
12. 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 inoluding without limitation,
statutory allowance, widowls allowance, right of
intestacy, right to take against the will of the other I
ana right to act a~ administrator or executor in the
other's estate. Each will at the request of the other
exeoute, acknowledge, and deliver any and all instruments
whioh may be necessary or advisable to carry into effect
this mutual waiver and relinquishment of all auch
interests, rights, and claims.
MR. McKNIGHT: Mr. Gutshall, you've heard the terms
of this settlement I is that correct?
MR. GUTSHALL: Yes.
MR. McKNIGHT: And do you agrea that you are
willing to honor those terms and agree to those terms?
MR. GUTSHALL: Yes.
MR. McKNIGHT: And you will endeavor to within the
90 days stipulated, acquire the financing or do whatever is
necessary to pay your wife the sum of $10,OOO.00?
MR. GUTSHALL: Yes.
MR. BACH: For the record, James M. Bach for Mrs.
Gutshall. Mrs. Gutshall, you were present and you did the hear
the agreement between the parties, that is you and your husband,
put on th~ recordl is that right?
MRS. GUTSHALl,: 'ias.
MR. BACH: And relative to the terms and conditions
put on the record, do you agree with them totally?
MRS. GUTSHALL: 'ies.
MR. BACH: I.at me just give you a brief overview of
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SEE DACK OF TillS CONTRACT fOR ADDITIONAL TERMS AND CONDITIONS
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If VIlU Illl NOI MEEI VOIIII CIINlllACT IlUIIIIAllllr, IOU MAV lllSE VOUII MOTOII VEIIICLE.
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IS NOT INClOIIEU IN TillS CONTRAcr.
"11"11111111",',/1'1.111"''';/ "'\1111""'1 VUU AilE IIEIIOIIIE" TU IIAVE PIIVSICAIIIAMABE INSOIIANCE AGAINST
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REMAINS IN [/fECT, VOO MAY CIIOOSE Tllf "ERSON ANU INSOIIANCE COMPANY TIIIIOUGII WIIICII
INSURANCE 15 TO BE OBTAINEU PIIOVlIIlIIl" AT INSOIIANCE COMI'ANV IS ACCEPTAULE 1Il CRWITIlII
ANU AOTllORllEU TO TIIAN5ACT BUS'NESS "v PENNSYLVANIA.
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AND RECEIVE A FULL REfUND AT ANY TIME BEfORE YOU RECEIVE A COPY OF TillS CONTRACT SIGNED DY AN AIJTlIOnlZFD REPRESENTATIVE OF SElLER BY
GIVING WRmEN NOTICE DF CANCElLATION TO SElLEn," Iho P,n"o'lY Is oUSED mnln/ vohlelo "11I1 1111 loss olho,wlso IIIodlllo" III wllIllIlI, Ihelollowlllll nolleo
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ENTIRE EXPENSE OF REPAIRING OR CORRECTING ANY DEfECTS TlIAT PRESENTLY EXIST OR TIIAT MAY OCCUR IN TIlE VEIIICLE.
-----
BUYER ACKNOWLEDGES RECEIPT Of A COMPLETELY FILlEIJ.lN COPY OF TillS CONTRACT,
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.
VE~A L. GUTSHALL, I IN THE COURT OF COMMON PLEAS OF
Plaintitt I CUMBERLAND COUNTY, PENNSYLVANIA
I
VS. I CIVIL ACTION - LAW
I
1 NO. 96 - 3949 civU
RONALD E. GUTSHALL, 1
Detendant 1 IN DIVORCE
NOTICE OF PRE-HEARING CqNFERENCE
TOI Jame. M. Bach
Marcus A. KcKnight, III
, Counsel tor Plaintitt
, Counsel tor Detendant
A pre-hearing conterence has been scheduled at the
ottice ot the Divorce Master, 9 North Hanover street, Carlisle,
,
Pennsylvania, on the 31st day ot Uecember, 1997, at 9130 a.m.,
at which time we will review the pre-trial statements previously
tiled by counsel, define issues, identify witnesses, explore the
possibility of settlement and, if necessary, schedule a hearing.
Very truly yours,
Date ot Noticel .12/16/97
.E. Robert Elicker, II
Divorce Master