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HomeMy WebLinkAbout96-06033 -------------------->---------~ ~ - --_._._~~--,----~----~._,--~--~---_._.-- ------ . ~ ~ e e 8 e 8 e e e ~ ~ ~ ~ $ $ Ii! " $ e ~ ~ I!I ~ ~ ~ S e e ~ .,' $ ". ft ....................,.,................................. ~ ~ ~ ~ v ~ ~ ~ ~ " 8 ~ ~ J, ~ ~ P I ~ ~ rut 1OI1otary ~ ~ ~ _.________~.:-..-.-..-.....--A _.~....:-:_.-.;..~--..~':;~..-;~H-.-:.... .. .. ., .. .. ..'.. :. '0 .. .. .. .. .. .llf. . ~~.~~_~.~.~.~.~~~~~..A..A,~.~.~..A..A.~~.~.~~'~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY STATE'" OF * PENNA, RICHARD A. ESTACIO N()'H96~6033HHH' \1)96 V "1'."\11., LORI A. ESTACIO DECREE IN DIVORCE AND NOW, ' " " " " , ,C?r~/(" , /~,~". 19 X~ ". it is ordered and decreed that""" ,~j~,h.cH!l, ,A,.. ,~~,~i\c;j.o""""""""""" plaintiff. and ..,Lo.r,t,/I....Esta.c.to" , ".......".""",,,......,,,.., defendant, are divorced from the bonds of matrimony. The court retains jurisdiction of the following claims which have been raised of record In this action for which a final order has not yet been entered; ",.,. ,!l,l,s,~t:'j~,u.~j9f1. .qf. p.r:qp~nY... ,c.ql!r:t?e.l.. f~,e.s.I, ~.o.!\t?, ,&"l!1<p,e.I1~~~,. . g 8 ~ 8 ~ 8 S 8 8 ,;, <:> 8 8 8 Ii! !~ 8 8 8 ~ 8 " ~ ~ ~ ,;, i:J ~ '7' ,;, i:J ,;, i:J ~ '" ,;, i:J .y'13 '~.f ai-I. 1~:hd..4t1 t. a1 /!L~ '1'1.3 9f 'J,~trc.t /mf~ ~. ~ "- ". i ~.. ll. ., " t:1 ", u l~ (), (' !- .~ , . '-j"" " ~ I (_\' I ,'. .'\ C .;: lCo :., ,: :;~ I.' r'~ ,J U <..J' '.J p/bIr1c1<1dlv,COfT'4lINovembe' 1. 1996 v. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION. LAW NO. 91.. -" o.~,~ (?,ut' ( "-rr"n.."1 IN DIVORCE RICHARD A. ESTACIO, Plaintiff LORI A. ESTACIO, Oefendant NOTICE TO DEFEND AND CLAIM RIGHTS 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 fall to do so, the case may proceed without you and a decree of divorce or annulment may be entered against you by the court. A judgment may also be entered against you for any other claim or relief requested In these papers by the plaintiff. You may lose money or property or other rights Important to you, including custody or visitation of your children. When the ground for the divorce Is Indignities or Irretrievable breakdown of the marriage, you may request marriage counseling. A list of marriage counselors Is available In the Office of the Prothonotary at the Cumberland County Court House, 1 Courthouse Square, Carlisle, Pennsylvania 17013. IF YOU DO NOT FILE A CLAIM FOR ALIMONY; DIVISION OF PROPERTY, LAWYER'S FEES OR EXPENSES BEFORE A DIVORCE OR ANNULMENT IS GRANTED, YOU MAY LOSE THE RIGHT TO CLAIM ANY OF THEM. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator 4th Floor, Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Telephone No. (717) 240-6200 , .~~- /~;::::;/ ~ Richard A. Estaclo, Esquire HEPFORD, SWARTZ & MORGAN 111 North Front Street P.O. Box 889 Harrisburg, PA 17108-0889 (717) 234-4121 , Attorneys for Plaintiff v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. q G. - G. 0 3 J ~ ..,- .v- IN DIVORCE pjblrtckldlY.COf1llINovember 1, 1096 RICHARD A. ESTACIO, Plaintiff LORI A. ESTACIO. Defendant CO_UNT I..i. COMPLAINT UNDER SECTION 3301Ja) OR 3301,c) OR 3301(d) OF THE DIVORC CODE 1. Plaintiff Is RICHARD A. ESTACIO, an adult Individual who Is sui jurls and resides at 1016 Crystal Creek Circle, Mechanlcsburg, Cumberland County, Pennsylvania 17055. 2. Defendant Is LORI A. EST ACIO, an adult Individual who Is sui Juris and resides at 240 Boxwood Court. Mechanlcsburg, Cumbe~and County, Pennsylvania 17055. 3. Both Plaintiff and Defendant have been bona flde residents In the Commonwealth of Pennsylvania for at least six (6) months Immediately previous to the filing of this Complaint. 4. The Plaintiff and Defendant were married on May 14. 1983, In Pottstown, Pennsylvania. 5, Plaintiff avers that there are two (2) children of the parties under the age of 18, namely, RICHARD A. ESTACIO, JR. and LINDSAY A. ESTACIO, born October 3, 1983 and February 19, 1988, respectively. 6. There ha\'e been no prior actions of divorce or for annulment between the parties. pjl>lr1cl<1dlv,lXlf11l/Novorrber 1, 1996 7. Plaintiff has been advised of the availability of counseling and the right to request that the Court require the parties to participate in counseling. 8. The Defendant Is not a member of the Armed Services of the United States or Any of Its Allies. 9. The Plaintiff avers that the grounds on which the action Is based are: The parties hereto have lived separate and apart for a period of at feast two (2) years since May 10, 1993, and that the marriage is irretrievably broken. COUNT II: CLAIM FOR EQUITABLE DISTRIBUTION OF MARITAL PROPERTY UNDER SECTION 3502 OF THE DIVORCE CODE 10. While no settlement has been reached as ofthe date ofthe filing ofthls Complaint, Plaintiff is and has always been willing to negotiate a fair and reasonable settlement of all matters with Defendant. To the extent that a written Settlement Agreement might be ontered into between the parties prior to the time of hearing on this Divorce Complaint, Plaintiff desires that such written Agreement be approved by the Court and Incorporated, but not merged, In any Divorce Decree which might be entered dissolving the marriage between the parties. 11. Plaintiff and Defendant are the owners of various Items of real and personal property, furniture and household furnishings acquired during their marriage which are subject to equitable distribution by this Court, 12. Plaintiff and Defendant are the owners of various motor vehicles, bank accounts, investments, Insurance policies and retirement benefits acquired during their marrlago which are subject to equitable distribution by this Court, 2 pjblrld</dlv,COfT1l/NoY_ I. 1000 COUNT III: PETITION FOR CUSTODY 13. Thoro were two (2) children born of the marriage of Plaintiff and Defendant, namely RICHARD A, ESTACIO, JR. and LINDSAY A. ESTACIO, born October 3, 1983 and February 19, 1988, rospllctlvoly. 14. The children are presently In the custody of both Plaintiff and Defendant Jointly. 15. During the past five years, the chlld(ren) has/have resided with the tollowlng persons and otthe followlno addresses: 1016 Crystal Creek Circle Mechanlcsburg, PA 17055 1016 Crystal Creek Circle Mechanlcsburg, PA 17055 425 Brook Circle Mechanlcsburg, PA 17055 Plonoer Woods Apts. Lancaster, PA 17602 305 Parkwood Drive Lancaster, PA 17603 420 Boxwood Court Mochanclsburg, PA 17055 · The parties hove had a Joint custody arrangement for both children since August 1995. Richard A. Estaclo Lindsay A. Estaclo December 1991- present Decomber 1991-May 1993 . March 1993-August 1993 August 1993-Apr1l1994 April 1994-August 1995 August 1995-Present 16, Plolntlff has not participated as a party, witness, or In any other capacity In any othor litigation concornlng the custody of said children In this or any other court. 17, Plolntllf doos not have any Information of any custody proceeding concornlng sold chlldron pondlng In a court of this or any other state. 3 pjblrlc:l<ldlv."""1liNavombor 1, 1996 18. Plaintiff knows of no person not a party to this proceeding who has physical custody of said children or claims to have custody or visitation rights with respect to said children. 19. The parties hereto will enter Into a Separation and Property Settlement Agreement In which they will amicably resolve custody, support and visitation rights relative to said children. WHEREFORE, Plalnllff requests the Court to enter a Decree: (a) Dissolving the marriage between Plaintiff and Defendant; (b) In the event that a written Separation Agreement Is reached between the parties hereto prior to the time of hearing on this Complaint, Plaintiff respectfully requests that pursuant to !l301 (a)(1) and (4) and ~401 (b) ofthe Divorce Code the Court approve and Incorporate, but not merge such Agreement In the Final Divorce Decree. (c) For such further relief as the Court may ~etermlne equitable and Just. Respectfully submitted. HEPFORD, SWARTZ & MORGAN Dated: . .,~~~.1 By' ///7-' ..". . c~~"...-? '--Richard A. Estaclo Attorney 1.0. #52793 111 North Front Street P.O. Box 889 Harrisburg, PA 17108-0889 (717) 2344121 Attorney for Plaintiff -.... 4 76 0 ::J;: CI:..-:-J 0-- ri~ -.J ..., p':! -f r{ ... 1:' V) l./,) It l:. 0 ~ ~ " " J 0 ~ l,r. " L" J' . . (1 () <-1 ~ , P'll , () , () ~I .,) , ! \) ~ r, ~I'Q - ~ I', ' , ~ C) - ! .. I .' ~ " , . I.. too ;__1 C~, RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 96-6033 CIVIL TERM LORI A. ESTACIO, Defendant IN DIVORCE ANSWER AND COUNTBRCLAIK ANSWER TO COKPLAIHT IN DIVORCB 1 through 9. Pursuant to Pennsylvania Rule of Civil Procedure 1920.14, an answer to the allegations of an action for divorce is not required, and such allegations are deemed denied. ANSWBR TO COUNT II 10. Admitted. 11. Admitted. 12. Admitted, except that the parties have been living separate and apart since on or about May 10, 1993, and therefore each of the parties has non-marital accounts and property which should not be included in the equitable distribution by this Court. ANSWBR TO COUNT III 13. Admitted. 14. Admitted. 15. Admitted in part, denied in part. It is admitted that the breakdown of the residence of the two minor children is substantially correct, but there are disagreements concerning the dates on which the parties would have resided as set forth in this paragraph. 16. Admitted. 17. Admitted. .,~ lB. Admitted. 19. Admitted in part, denied in part. It is admitted that the parties have discussed entering into a Separation and property Settlement Agreement for the purpose of amicably resolving the issue of custody, support and visitation, however, the parties have not made satisfactory progress and therefore the issue remains open. WHEREFORE, defendant requests that this Court not enter a Decree in Divorce until such time as these issues have been resolved by way of a written agreement which is to be filed contemporaneously with any Decree in Divorce and that the issues set forth in the following counterclaim be addressed prior to any final decree being issued in this case. COUNTERCLAIM COUNT I REQUEST FOR EQUITABLE DISTRIBUTION OF MARITAL PROPERTY UNDER 3302(a) OF THE DIVORCE CODE 20. The prior paragraphs of this Answer and Counterclaim are incorporated herein by reference thereto. 21. The defendant requests the Court to equitably divide, distribute or assign the marital property between the parties without regard to marital misconduct in such proportion as the Court deems just after consideration of all relevant factors. WHEREFORE, defendant respectfully requests the Court to enter an Order of Equitable Distribution of Marital Property pursuant to ~3502(a) of the Divorce Code. COUNT II REQUEST WOR COUNSEL WEES, COSTS AND EXPENSES UNDER SECTIONS 3104(a)(I), 3323(b) AND 3702 OW THE DIVORCE CODE 26. The prior paragraphs of this Answer and Counterclaim are incorporated herein by reference thereto. 27. Defendant has employed R. Mark Thomas, Esquire to represent her in this matrimonial cause. 28. Defendant is unable to pay her counsel fees, costs and expenses and plaintiff is more than able to pay them. 29. Plaintiff is employed ~nd has the ability to pay defendant's counsel fees, costs and expenses. 30. Reserving the right to apply to the Court for temporary counsel fees, costs and expenses prior to final hearing, defendant requests that, after final hearing, the Court order plaintiff to pay defendant's reasonable counsel fees, costs and expenses. WHEREFORE, defendant respectfully requests that, pursuant to Section 3104(a) (I), 3323(b) and 3702 of the Divorce Code, the Court enter an Order directing plaintiff to pay defendant's reasonable counsel fees, costs and expenses. COUNT III REQUEST WOR APPROVAL OW ANY SETTLEMENT AGREEMENT AND INCORPORATION THBREOF IN DIVORCB DBCREB UNDBR SBCTIONS 3104(a) (1)(3) AND 3323(b) OF THB DIVORCB CODE 31. The prior paragraphs of this Answer and counterclaim are incorporated herein by reference thereto. 32. The Public Policy of the: Commonwealth of Pennsylvania encourages parties to a martial dispute to negotiate a settlement of their differences. 33. While no settlement has been reached as of the date of the filing of this Answer and Counterclaim, defendant is and has always been willing to negotiate a fair and reasonable settlement of all matters with plaintiff. 34. To the extent that a written Settlement Agreement might be entered into between the parties prior to the time of hearing on this Answer and counterclaim, defendant desires that such written Agreement be approved by the Court and inc7rporated in any Divorce Decree which may be entered dissolving the marriage between the parties. WHEREFORE, if a written settlement Agreement is reached between the parties prior to the time of hearing on this Answer and counterclaim, defendant respectfully requests that, pursuant to sections 3l04(a) (1) and (3) and 3323(b) of the Divorce code, the Court approve and incorporate such Agreement in the final Divorce Decree. Respectfully submitted, ~~4//Z~ R. Mark Thomas~ Esquire Attorney for Dafendant 54 E. Main street Mechanicsburg, PA 17055 (717)697-4650 I.D.# 41301 - ":l - ... Cll i:: I... .. ~ UJ~ : ("~ .." ( 1.... 8-" 0.0 c,.. ! :!;! t?l " ~'..) I ,,~ .. e" C" . lr\ ;",. , -- I ~',.l ~:I .,. ';',j.. ;;::- lJ. , . I: . :1 1I. r-~ U ...:, ,..' 'I :J. \11l \~ ~ PROPERTY SETTLEMENT AGREEMENT THIS AGREEMENT, Made this zr; ""- day of _~~ 199~ ,by and between RICHARD A. ESTACIO, hereinafter referred to as "Husband", and LORI A. ESTACIO, hereinafter referred to as 'Wife", WHEREAS, Husband and Wife were lawfully married on May 14,1983; and WHEREAS, two (2) children were born of this marriage, namely, RICHARD A, ESTACIO, JR. born October 3, 1983; and LINDSAY A, ESTACIO, born February 19, 1988. WHEREAS, the parties hereto are desirous of settling fully and finally their respective financial and property rights and obligations as between each other Including, without limitation, the settling of all matters between them relating to the ownership of real and personal property, the support and maintenance of one another and of the children, namely, Richard A. ELtaclo, Jr, and Lindsay A, Estaclo, and In general, the settling of any and all claims arising out of the marital relationship. WHEREAS, the parties hereto, after being properly advised by their respective counsel, Husband by his attorney, Sandra L. Meilton, Esquire and Wife by her attorney, Philip H, Spare, Esquire, have come to the following Agreement. NOW, THEREFORE, In consideration of the mutual promises, covenants, .a aJl d undertakings hereinafter set forth, and for other good and valuable consideration, ,~usband and Wife, each Intending to be legally bound, hereby agree as follows: 1, INTERFERENCE: Eoch party shall be free from interference, authority and contact by the other, as fully as If he or she were single and unmarried, except as may be necessary to carry out the provisions of this Agreement. Neither party shall molest the other nor attempt to endeavor to molest the other, nor compel the other to cohabit with the other, nor In any way hluass or malign the other, nor In any way Interfere with the peaceful existence, separate and apart from the other In all respects as if he or she were single and unmarried, 1 \ '.0:'- '. 2, WIFE'S DEBTS: Wife represents and warrants to Husband that since their separation on May 10, 1993 she has not, and in the future she will not, contract or Incur any debt or liability for which Husband or his estate might be responsible and shall Indemnify and save Husband harmless from any and all claims or demands made against him by reason of debts or obligations Incurred by her, 3. HUSBAND'S DEBTS: Husband represents and warrants to Wife that since their separation on May 10, 1993 he has not, and In the future he will not, contract or Incur any debt or liability for which Wife or her estate might be responsible and shall Indemnify and save Wife harmless from any and all claims or demands made against her by reason of debts or obligations Incurred by him, 4, OUTSTANDING JOINT DEBTS: Husband agrees to pay all outstanding joint debts and obligations of the Husband and Wife Incurred prior to the separation of the parties hereto, except as otherwise set forth herein, All further debts Incurred by the parties shall be their Individual responsibility. Husband further agrees to hold Wife harmless on all such obligations of Husband. If any claim, action, or proceeding is hereinafter Instituted seeking to hold Wife liable for such debts or obligations, the Husband will, at his sole expense, defend Wife against any such claim, action, or proceeding, whether or not well founded, and Indemnify her against any loss resulting therefrom, . Wife further agrees to hold HusbanJ harmless on all sllch obligations of Wife. If any claim, action, or proceeding Is hereinafter Instituted seeking to hold Husband liable for such debts or obligations, the Wife will, at her sole expense, defend Husband against any such claim, action, or proceeding, whether or not well founded, and Indemnify him against any loss resulting therefrom. Husband and Wife acknowledge and agree that they have no outstanding joint debts and obligations of the Husband and Wife Incurred priDr to the signing of this Agreement, except as follows: A, MortQage on Marital Residence -Initial amount, $121,000, At the date of separation. $119,000 was owed. Husband h.Js made all monthly payments since the date of separation. Husband has resided In the marital residence since the date of separation, B, PHEAA Loan _ Initial amount, $25,440, At the date of 2 . , separation, $14,380 was owed, Husband has made all monthly payments since the date ot separation, C. PNB Loan - Initial amount, $26,919.60, At the date of separation, $26,919,60 was owed, Husband has made all monthly payments since the date of separation. D. Miscellaneous - CW Fritz repair bill . $189.00; PP&L - $250.00; Hampden Township -$208.34; Bell AIIantlc - $229.17; Sprint . $400.00. Husband has made all payments since the date of separation, E. Loan from Norma Christman - Initial amount, $1,000. This debt remains unpaid, Wife agrees to pay the full amount of this debt. F. Acura Integra - Initial amount, $9,800, Wife has paid this debt In full. 5. MUTUAL RELEASE: Subject to the provisions of this Agreement, each party has released and dlschargBd, and by this Agreement does for himself or herself, and his or her heirs, legal representatives, executors, administrators and assigns, release and discharge the Dther of and from all causes of action, claims, rights or demands arising from their mflrriage, except any or all cause or causes of action for divorce and except In any or all causes of actio" for breach of a!1~' pro\'lsions of this Agreement. Subject to the provisions of this Agreement each party waives his or har right to alimony and equitable distribution of property notwithstanding the Pennsylvania "Divorce Code" known as Act No, 26-1980 and as amended by Act No. 13-1988, Each party also waives his/her right to request marital counseling pursuant to 23 Pa,C,S.A, Section 3302, 6. QjVISION OF PERSONAL PROPERTY: The parties hereto mutually agreE: that they have effected a satisfactory division of the furniture, household fumls~lngs, appliances, and 3 '. other household persDnal property between them, and they mutually agree that each party shall from and after the date hereof be the sole and separate owner of all such tangible personal property presently In his Dr her possession, and this Agreement shall have the effect of an assignment or bill ot sale from each party to the other for such property as may be In the Individual possession of each of the parties hereto. The parties hereto have divided between themselves, to their mutual satisfaction, all items of tangible and Intangible marital property. Neither party shall make any claim to any such Items of marital pluperty, or of the separate personal property of either party, which are now In the possession and/or under the control of the other. Should It become necessary, the parties each agree to sign, upon request, any titles or documents necessary to give effect to this paragraph. Property shall be deemed to be In the possession or under the control of either party If, in the case of tangible personal property, the Item Is physically In the possession or control of the party at the time of the signing of this Agreement and, In the case of Intangible personal property, If any physical or written evidence of ownership, such as passbook, checkbook, polley or certlflcate of Insurance or other similar writing Is In the possession or control of the party, Husband and Wife shall each be deemed to be in the possession and control of their own Individual pension or other employee beneflt plans or retirement benefits of any nature to which either party may have a vested or contingent right or Interest at the time of the signing ot this Agreement, and neither will make any claim against the other for any Interest In such beneflts. From and after the date of the signing ot this Agreement both parties shall have complete freedom of disposition as to their separate property and any property which Is In his/her possession or control pursuant to thin Agreement and may mortgage, sell, grant, convey, or otherwise encumber or dispose of such property, whether real or personal, whether such property was acquired before, during or after marriage, and neither Husband nor Wife need join In, consent to, or acknowledge any deed, mortgage, or other Instrument of the other pertaining to such disposition of property, 7. MARITAL RESIDENCE: The parties acknowledge that they are the owners, as tenants by the entireties, of certain real property known as 1016 Crystal Creek Circle, Mechanlcsburg, Cumberland County, Pennsylvania (hereinafter referred to as "Marital Residence"), subject to a mortgage with CIT.FED and a home equity loan with Pennsylvania National Bank and Trust Company, The parties agree as follows with respect to the Marital Residence: 4 . , (1) At the time of the execution of this Agreement, Wife shall execute all documents necessary Including a deed, to transfer all her right, title and 'nterelJt In the Marital Residence to Husband subject to the mortgage and shall deliver said documents to Husband's counsel who shall deliver the deed as provided herein. Thereafter, Husband shall be the sole and separate owner of the Marital Residence, (2) Wife agrees that as of the date of execution of this Agreement, any'and all title policies and any other policy of Insurance with respect to the Marital Residence shall be endorsed to reflect Husband as sole owner thereof and further agrees that Husband shall be entitled to receive any payments now or hereafter due under any such Insurance policies, (3) Except as otherwise provided herein, commencing on the execution date of this Agreement, Husband shall be solely responsible for all costs, expenses and liabilities associated with or attributable to the Marital Residence regardless of when the same shall have been Incurred Including, but not limited to, mortgage, taxes, Insurance premiums and rnalntenance and Husband shall keep Wife and her property, successors, assigns, heirs, executors and administrators indemnified and held harmless from any liability, costs or expense Including attorney's fees, which may be Incurred In connection with such liabilities and expenses or resulting from Wife's ownership Interest In said property. On or before December 31, 1999, Husband shall take all steps necessary to apply and obtain a new mortgage on the property so as to have Wife completely and fully released of any and all liability she has on the mortgage. Further, Husband has no obligation to have Wife removad from the home equity loan with PNB, as that loan will be fully satisfied on or before December 31, 1999, In the event Husband does not obtain a new mortgage on or before December 31, 1999, the Marital Residence shall be Immediately listed fDr sale, Husband shall use good faith efforts to sell the Marital Residence and shall receive all net proceeds from the sale as his sole and separate property, 8. PENSION: Husband shall retain his pension with his employer, Hepford, Swartz & Morganrrucker Arensberg & Swartz and Wife agrees to waive all of her right, title and Interest to Husband's pension and to sign any and all documents necessary to enforce this provision, 5 Wife shall retain her pension with PSERS through her employer, Cumberland Valley School District, and Husband agrees to waive all of his right, title and Interest to Wife's pension and to sign any and all documents necessary to enforce this provision, 9, MOTOR VEHICLES: . With respect to the motor vehicles owned by one or both of the parties, they agree as follows: (a) the 1988 Honda Accord shall become the sole and exclusive property of Husband free and clear of all liens and encumbrances; (b) the 1990 Acura Integra shall become the sole and exclusive property of Wife free and clear of all liens and encumbrances; and (c) the titles to the said motor vehicles shall be executed by the parties, if appropriate for effecting transfer as herein provided, on the date of execution of this Agreement and the said executed title shall be delivered to the proper parties on the distribution date, 10. CUSTODY: By Order of the Court of Common Pleas of Cumberland County, Pennsylvania, dated December 12, 1997, the parties shall share physical custody of their minor children, namely, Richard A, Estaclo, Jr. and Lindsay A. Estaclo In accordance with the schedule and terms set forth In said Order, With regard to each party's right to claim either of the children as a dependent for Income tax purposes, It Is hereby expressly agreed that each party to this Agreement will be entitled to claim one (1) of the children as a dependent each year for tax purposes so long as the current custDdy errangement remains In effect. It Is expressly agreed that Husband shall be able to claim RICHARD A, ESTACIO, JR. each year and Wife shall be able to claim LINDSAY A. ESTACIO each year as dependents for tax purposes. In the event a material change In the custody arrangement occurs, the applicable tax code and regulations shall determine the right to claim either of the children as a dependent for income tax purposes, At the time RICHARD A. ESTACIO, JR, is no longer a dependent, the parties agree to alternate claiming LINDSAY A, ESTACIO as a dependent. Husband shall be entitled to claim her as a dependent In the odd numbered years, whereas Wife shall be entitled to claim her In the even numbered years, 6 11, SUPPORT: The parties acknowledge and agree that the parent who has physical custody of the children shall be responsible for expenses attributable to food, sheller and other necessities, Husband further agrees to be responsible for the following expenses related to the chlldrEln: (a) Extracurricular activities, such as swimming, gymnastics, baseball, and all other reasonable and necessary expenses related to these activities, Husband shall have the right to determine the reasonableness and necessity of any of these expenses, both as to the Item purchased and the amount: (b) SChDOI activities, such as field trips, school pictures, club fees, and all reasonable and necessary expenses related to these activities. Husband shall have the right to determine the reasonableness and necessity of any of these expenses, both as to the item purchased and the amount: and (c) All reasonable and necessary clothing expenses for the children. All clothing expenses must be mutually agreed upon, both as to the Item purchased and the amount spent for the item. Husband's approval shall not be needed for any Item in this category costing less than $30,00 in any given month, The $30,00 does not carry over Into subsequent months, If the parties agree that a certain Item of clothing should be purchased for one of the children, but disagree as to the amount of mDney to be spent for that Item, Husband shall pay the amount which he believes is reasonable. If Wife then determines that she desires to purchase the more expensive item, she may do so and make up the difference. (d) The parties shall share equally all unrelmbursed medical expenses for the children, (e) Wife shall provide Husband with receipts for any expenses for which she seeks reimbursement. If no receipt Is provided, Husband shall not be responsible for reimbursement therefor, Wife agrees to terminate the existing support action docketed to No, 575 S, 1993, PACSES Member No, 4425000027, If not done so before the execution of this Agreement, Including striking all arrearages on said support action, Wife agrees that should she receive any SUPPDrt from Domestic Relations other than the amount which was garnished from Husband's November 30, 1998 pay, she will return said funds to Husband promptly upon receipt of same. 7 12. ALIMONY: Each party agrees to waive all rights to seek and/or collect future child support except as speclflcally set forth herein, This waiver shall apply regardless of the custodial arrangement for the children, If Wife vlolatos the waiver In this Agreement or If the Agreement Is held to be unenforceable for any reason, and she seeks child support, then each party retains their respective rights to seek contribution for reimbursement for all marital debts set forth In this Agreement, and subparagraphs (a) . (e) of this paragraph 11 shall be void, Both parties acknowledgo and agree that the provisions of this Agreement providing for equitable distribution of marital property are fair, adequate and satisfactory to them and are accepted by them In lieu of and In full and final settlement and satisfaction of any claims or demands that either may now or hereafter have against the other for support, maintenance or alimony, Husband and Wife further voluntarily and Intelligently waive and relinquish any right to seek from the other any payment for support or alimony. 13. ALIMONY PENDENTE LITE, COUNSEL FEES, AND EXPENSES: Husband and Wife acknowledge and agree that the provisions of this Agreement providing for the equitable distribution of marital property of the parties are fair, adequate and satisfactory to them. Both parties agree to accept the provisions set forth in this Agreement In lieu of anct In full and flnal settlement and satisfaction of all claims and demands that either may now or hereafter have against the other for alimony pendente lite, counsel fees or expenses or any other provision for their support and maintenance before, during and after the commencement of any proceedings for divorce or annulment between the parties. 14. WAIVERS OF CLAIMS AGAINST ESTATES: 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 huve or hereafter acquire, under the present or future laws of any jurisdiction, to share In the property or the estate of the other as a result of the marital relationship, Including without limitation, dower, curtesy, statutory allowance, widow's allowance, right to take In Intestacy, right to take against the will of the other, and right to act as administrator or executor of the other's estate, Each will, at the request of the other, execute, acknowledge and deliver any and all Instruments which may be necessary or advisable to carry Into effect this mutual waiver and relinquishment of all such Interests, rights and claims, 8 15, MUTUAL CONSENT DIVORCE: The parties agree and acknowledge that their marriage Is Irretrievably broken, that they do not desire marital counseling, and that they both consent to the entry of a decree In divorce pursuant to 23 Pa.C,S,A, Section 3301(c), Accordingly, both parties have executed and flied such consents and further, agree to forthwith execute affidavits, or other documents and direct their respective attorneys to torthwlth flle such affidavits, or other documents as may be necessary to promptly proceed to obtain a divorce pursuant to said 23 Pa.C.S,A, Section 3301(c), Upon request, to the extent permitted by law and the applicable Rules of Civil Procedure, the named defendant In such divorce action shall execute any waivers of notice or other waivers neces:lary to expedite such divorce. It Is the Intention of the parties that the Agreement shall survive any action for divorce which may be Instituted or prosecuted by either party and no order, judgment or decree ot dlvDrce, temporary, final or permanent, shall affect or modify the flnanclalterms of this Agreement. This Agreement shall be Incorporated In but shall not merge Into any such judgment or decree of final divorce, but shall be Incorporated for the purposes of enforcement only, 16, BREACH AND ENFORCEMENT: If either party breaches any provision of this Agreement, the other party shall have the right, at his or her election, to sue for damages for such breach, or seek such other remedies or relief as may be available to him or her, and the party breaching this Agreement shall be responsible for payment of legal fees and costs Incurred by the other In enforcing his or her rights under this Agreement. 17. THIRD PARTY BENEFICIARIES: Husband and Wife agree that It Is not their Intention in this Agreement that any other Individuals, Including their minor children, be third party beneflclarles of this Agreement at this time or at any time In the future. 18, ADDITIONAL INSTRUMENTS: Each of the parties shall from time to time, at the request of the other, execute, acknowledge and deliver to the other party any and all further Instruments that may be reasonably required to give full force and effect to the provisions of this Agreement. 9 , ' 19. OPPORTUNITY TO OBTAIN ADVICE OF INDEPENDENT TAX COUNSEL OR ACCOUNTANT: Both parties aCknowledge and agree that they have had the opportunity to retain tax attorneys, accountants, tax advisors, or certified public accounts with reference to the tax Implications of this Agreement. 20. VOLUNTARY EXECUTION: The provisions ot this Agreement and their legal effect have been fully explained to the parties by their respective counsel, and each party acknowledges that the Agreement Is fair and equltaLle, that It Is being entered Into voluntarily, with full knowledge of the assets of both parties, and that It Is not the result of any duress or undue Influence. The parties acknowledge that they have been furnished with all Information relating to the financial affairs ot the other which has been requested by each of them or by their respective counsel. 21. ENTIRE AGREEMENT; This Agreement contains the entire understanding of the parties and there are no representations, warranties, covenants or undertakings other than those expressly set forth herein. Husband and Wife acknowledge and agree that the provisions of this Agreement with respect to the distribution and division of marital and separate property are talr, equitable and satisfactory to them based on the length of their marriage and other relevant factors Which have been taken Into consideration by the parties. Both parties hereby accept the provisions at this Agreement with respe.::t to the division of property In lieu of and In full and final settlement and satisfaction of all claims and demands that they may now have or hereafter have against the other for equitable distribution of their property by any court of competent jurisdiction pursuant to 23 Pa.C,S,A, Section 3501 .Ill. llflQ.. or any other laws, Husband and Wife each voluntarily and Intelligently waive and relinquish any right to seek a court ordered determination and distribution of marital property, but nothing herein contained shall constlMe a waiver by either party of any rights to seek the relief of any court for the purpose of enforcing the provisions ofthls Agreement. 10 \. 28. EFFECTIVE DATE: The effective date of this Agreement shall be January 1, 1999. IN WITNESS WHEREOF, the parties hereto have set their Hands and Seals the day and year first above written. ~~~~~~: Richard A, Estaclo (SEAL) ':A 'iJ' 0, ~-}tic,W(SEAL) ~stacio 13 " . , \ COMMONWEALTH OF PENNSYLVANIA COUNTY OF ~ ) ( ) 55: ,I} ~+/.. r;; j.., r, I Ltl" LI On this, the rA..J day ot~' 199.i., before me, a Notary Public, the undersigned officer, personally appeared Lori A. Estaclo, known to me (or satisfactorily proven) to be the person whose name Is subscribed to the foregoing Property Settlement Agreement and acknowledged that she executed the same for the purposes therein contained. IN WITNESS WHEREOF,) hereunto set my hand and official seal. r / ~o__~ otary Public Zan. l Th NOI."., Seal SIII'.r spring r.;sgn, NOIGry Public My Commitlsll):) E)(I.~i:;;OArfi.lnld Counly M _' , p/ll,2002 ember, Penn6)/vama A . 5iOCliillOl1 01 Nol8l1D1 11040,1 15 RICHARD A. ES'I'ACIO, Pluintirr : IN '1'1110: COURT OF COIv.MON PLEAS OF : CUMBERLAND COUN'I'Y, pr~NNSYLVANIA v. : NO, ()(I.no:!:! CIVIL'('ERM LORI A. ES'I'ACIO, Dofondunt , : CIVILAC'I'ION. LAW : IN D1VORCI~ ACCIWI'ANcr'; CW SF:RVICE I, Lori A, ENtacio, tho Dofondunt in t.ho uhovo en(ltionod enHO, horoby neknowlodgo thut I recoivod u copy of the Compluint in Divorlle in thiN cnHe whieh WOH filod on Novomber 4, 1996, I rl1roivod u eO(l~' of this l:ompluillt on or ubout 1I1111'1(' , By signing thiH AeeoJltul\(:o of 8orvieo I woivo uny ObjOlltiOllH thut I might, hllvo to tho monnor of sorvieo of this com(lluint.. dtu- 0.. (;{aCU<l Lor' A, Estuelo \)"",d ~I" WitnoBB 2/ :J.;J) Q~ Doto ' -- .. h- l. .. i.. '.l I,.. ";:,,, , I.l.Ie:, ,,- f~' ... ' , C\: J', 'I C~' j I lL) --~ t I (. . l.. , .,' if/ ,,, ~j IJ. r~ c> ((I u ~ " ..: o ~ ;g = eo'll Vi .. dn~ o..:.l:oll if < :c . j~8~ . z Cl = ..: o u. .. '" == ! E: ~~ > r- ~ ;:: ~ ~ ~ 5 ,; ~ . ~ ~ too . . < :I: - . ~' v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-6033 RICHARD A. ESTACIO, Plaintiff LORI A. ESTA,CIO, Defendant CIVIL ACTION - LAW IN DIVORCE NOTICE TO THE DEFENDANT If you wish to deny any of the statements set forth in this affidavit, you must file a counteraffidavit within twenty days after this affidavit has been served on you or the statements will be admitted. PLAINITFF'S AFFIDAVIT UNDER SECTION 3301(dl OF THE DIVORCE CODE NOTICE 1, The parties to this action separated on May 10, 1993, and have continued to live separate and apart for a period of at least two years. 2. The marriage is irretrievably broken. 3. I understand that I may lose rights conc! rning alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce is granted. I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Date: ~ I tt\ q'f- /~4~~. Richard A. Estacio, Plaintiff ., , , RICHARD A. ESTACIO, Plaintiff v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-6033 LORI A. ESTACIO, Defendant CIVIL ACTION - LAW IN DIVORCE DEFENDANT'S COUNTER-AFFIDAVIT UNDER SECTION 3301(d) OF THE DIVORCE CODE 1. Check either (a) or (b): (a) I do not oppose the entry of a divorce decree. (b) I oppose the entry of a divorce decree because (Check (i), (ii) or both): (i) The parties to this separate and apart for a years. (iil The marriage is not irretrievably broken. action have not lived period of at least three 2. Check either (a) or (b): (al I do not wish to make any cla:lms for economic relief. I understand that I may lose rights concerning alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce is granted. (bl I wish to claim economic relief which may include alimony, division of property, lawyer's fees or expenses or other important rights. I verify that the statements made in this Counter-Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of lB Pa.C.S. Section 4904 relating to unsworn falsification to authorities, Date: Lori A. Estacio, Defendant NOTICE: If you do not wish to oppose the entry of a divorce decree and you do not wish to make any claim for economic relief, you need not file this counter-affidavit. RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYlNANIA NO. 96-6033 v. LORI A. ESTACIO, Defendant CIVIL ACTION - LAW IN DIVORCE AFFIDAVIT OF CONSENT 1. A Complaint in Divorce under Section 3301(c) of the Divorce Code was filed on November 4, 1996. 2. The marriage of Plaintiff and Defendant is irretrievably broken and ninety (90) days have elapsed from the date of the filing and service of the complaint. 3. I consent to the entry of a final decree in divorce after service of notice of intention to request entry of the decree. I verify that the statements made in this affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 1B Pa.C.S. Section 4904 relating to unsworn falsification to authorities, ..:f'A , ..~ . ....-:---I'~...~. Date: 7\ 1(\ \ "'0 , Richard A. Estacio, Plaintiff t': ,... , .. i~ " , ~ ! CJ .. ,. 11-:: ", tj:ol' ., r:' " , c.' " , " , J " L. ., (.:~ \,~ , ,- ...I '>- ICl -... h; f-. ~: .,' i C>' ,'.01 ,., Ill..: ) ~:_1ic .I, I 'eo ....~ ~5: ... ,,, 't f ~: ' C'.J l: tJ :1, r~- ", I: 'j .. (, Ln 'I ~~. l,.. " (':- :.:i u m U \ .... ro. .... q; r-; j'::': 8 .J". n ~"-,. <) :. ).... )', It;? .~... :'- ~ 1 ~: i gc '--.-. \0 'I!'} f. N ' ' lnU. l~ :: -.Il' C':l ILU n: j' 11.1 :;:1LL 1- u.. , ,.. C>~ :.J u CI1 '-' :\- :W~~~;0~1t:L~i~'!;AY ]t' ~i'i:i:' "'"i:< ';'} ::,....:;""'-;',' " , " ..; l' I ~I ,",; :' ;1:liC~! q .r'l j ...c;,( , ~tl-:F.. ~:';;,\r 'It' :if ',n" "ill; '," 1: "o":;)t, '1'1,1,,,,,, .."'" , . .. '" '. . :..,~,., ';,-~;:';#';',:l " '; ,', ,:',~,:w~:j~~ "en ':'''0:'.r?:::H1 '-'l"'" ''''''-' , ~'-;~t:~;:'~.:{'F'; I'. ".-.'. J ~ ' G "I" ~.." .' L" '~' . ';..:, '", I~' , :-,. - ,-,-,,'f" '",---. . i:I',;e,; ~~!i ~:: 1'< i "~I ""',.'" ,," ' ',. '; ?".tlf~-;.:,}i: .' '",.-' .1' ' 61'''''''''' la:.tB}~~~f 't ,: " . , . . , , '. . , . t , RICHARD A. ESTACIO, plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 96-6033 CIVIL TERM LORI A. ESTACIO, Defendant CIVIL AcrION - LAW : IN CUSTODY OODER OF cnJRT AND tOi, this 11. .. day of upon consideration of the attached Custody ordered and directed as follows: "])~ ' 1997, conciliation Report, it is 1. The Father, Richard A. Estacio, and the Mother, Lori A. EBtacio, shall have shared legal custody of Richard A. EBtacio, Jr., born october 3, 1983, and Lindsay A. Estacio, born February 19, 1988. 2. The parties shall share physical custody of the Children during the school year in accordance with the following schedule: A. The Mother shall have custody of the Children every week from Monday morning through wednesday morning when the Mother shall transport the children to school. 8. The Father shall have custody of the parties' son, Richard, every week from Wednesday morning until Friday morning. The Father shall have custody of the parties' daughter, Lindsay, every week from Wednesday morning until Thursday after school. C. The Mother shall have custody of the parties' daughter, Lindsay, every week from Wednesday after school until Friday morning. D. The parties shall alternate having custody of both Children from Friday morning through Saturday morning at 10:00 a.m., beginning with the ~lother having custody of the Children on Friday, December 12, 1997. E. The parties shall alternate having custody of both Children from saturday at 10:00 a.m. until the following Monday morning, beginning with the Father having custody of the children on the weekend beginning saturday, December 13, 1997. 3. The parties shall have shared physical custody of the children during the summer school break in accordance with the schedule in paragraph 2, with the exception that the Mother shall have custody of the children on the Father's regular days of custody when he works from the morning on those days until 5:00 p.m. 4. The parties shall share or alternate having custody of the Child~en on holidays as a~~anged by mutual ag~eement of the pa~tios. 5. The party ~eceiving custody of the Child~en unde~ this O~de~ ahall be ~esponsible to p~ovide t~anspo~tation fo~ the exchange of custody. When the child~en a~e to be t~anspo~ted to school at the end of a pa~ty's period of custody, that pa~ty shall be ~esponsible to insu~e that the Child~en are t~anspo~ted to school. 6. This O~de~ is ente~ed pu~suant to an ag~eement of the pa~ties at a CUstody Conciliation Confe~ence. The pa~ties may modify the p~ovisions of this Orde~ by mutual agreement. In the absence of mu':ual agreement, the terms of this O~de~ shall cont~ol. BY THE COURT, /Iii J. --. c~~_... ,7>'<'''lI..{ 1a.//i},.(q'1. ;! ,V, cc: Sand~a L. MeHton, Esquire - Counse for Father R. Mark Thomas, Esqui~e - Counsel for Mother TUCKER ARENSBERG & SWARTZ March 25, 1999 InC5wAArl . IA'oILS G. MORGAN./Il MNlJIlA I. MlJllON 511.1'1 UN M GRUO "R, IR. Ilt.NNlI R 5l1f.AfltR J KfNrCuuLY OIAAlJ,I I VAILR II".I,III.HCII CAAvl'.lIlM ClI.l\lmaJ\lllxHAAJl'LJl< RR:tIN<j1 A I~"'A(R) ANN" M fIll ell. .'II\^N M ~UCIlM^N ~I^"II." II \UUI. .. A' II dUll v', 'n"I"h~Hl". f~~l ,""\\I.~ll"Il.t.\lU.... h\\~II\' h!o'l..."".....l Ms, Tracy Colyer 66 Hoover Road Carlisle, PA 17013 RE: Eslaclo v, Eslaclo Dear Tracy: Per your request, enclosed herewith are two copies of the Agreement signed by Mr, and Mrs, Estaclo, "1)1 '''(tI " I look forward to receipt of the signed Order vacating Mr, Elicker's appointment. Thank you, Should you have any quesllons, please advise, Sincerely, TUCKER ARENSBERG & SWARTZ .J1t!v., 4. ~L Gloria M, Rlne, Legal Assistant to Sandra L, Mellton gmr Enclosures co: Philip H, Spare, Esquire 14739,1 111 NORTH FRONT STREET PO BOX BB9 HARRISBURG,PA 17108,OB89 717.234.4'21 800.257.4121 FACSIMILE 117.232.6802 l_'IIOWfl OHIC. 12 South M.", SlrMI PO DOl 861 le.t"O\lotl, '" 1 1044-0861 " '.2.Il-J'J13 P,ntbolgh ON". l!lOO O~ I'PO "l4Ic. P,Il.bulgl!. 1'.Ai 1~U2 "2.~66.1'J1~ OrNnltlulgOI.u 138 SoulhM."Slr..1 (jrMnibll'U, PA 1~1 124.IDII.I2'1 AUpottPlO'-tllOIllltOHuC-,,'... 1l~OThll!nRun"{)jldh1 Moon Town,tlip I'A 1~106 411-162-]130 t.ml'! lapcah.o::lLa.l.tIllL("fTI oNtitI5,'tl hnl'.i/NWWI,x.IL.'IllIllLWI , " . OFFICE OF DIVORCE MASTER CUMBERLAND COUNTY COURT OF COMMON PLEAS 9 North Hanover Slreel Carlisle, PA 17013 (717) 240.6535 I. Robert IlIeker, II Divorce MII'er Tr.el .10 Colyer Office Manager/Reporter w.., .hore 697.0371 Ex\. 6535 January 30, 1997 R. Mark Thomas, Esquire 54 East Main street Mechanicsburg, PA 17055 Richard A. Estacio, Esquire HEPFORD, SWARTZ & MORGAN 111 North Front Street P.O. Box 889 Harrisburg, PA 1710B-OBB9 RE: Richard A. Estacio vs. Lori A. Estacio No. 96 - 6033 civil In Divorce Dear Mr. Estacio and Mr. Thomas: By order of Court of president Judge Harold E. Sheely dated January 24, 1997, the full-time Master has been appointed in the above referenced divorce proceedings. A divorce complaint was filed on November 4, 1996, raising grounds for divorce of irretrievable breakdown of the marriage. The complaint averrs that the parties separated on May 10, 1993, a period in excess of two years. Therefore, I assume that the parties will either execute affidavits of consent or one of the parties will file an affidavit under section 3301(d) averring the two year separation. In addition to raising grounds for divorce the complaint also raised the economic claim of equitable distribution. On January 23, 1997, the Defendant filed an answer and counterclaim. In the counterclaim the Defendant also raised the economic claim of equitable distribution and the additional economic claim of counsel fees and expenses. No claim for alimony has been raised. Inasmuc~ as it appears as if grounds for divorce are not an issue, I am directing each counsel in accordance with P.R.C.P. 1920.33(b) to file a pre-trial statement on or before Monday, February 24, 1997. Upon receipt of the pre-trial ~ OFFICI! OF DIYORCI! MASTI!R CUMBERLAND COUNTY COURT OF COMMON PLEAS 9 North Hanover Streel Carlisle, PA 17013 (717) 240-6535 .. Robert I!lIek.r, II Divorce Mester Trael Jo Coly.r Oflice Manager/Reporter w... Shore 697-0371 Ex!. 6535 July 11, 1997 Richard A. Estacio, Esquire HEPFORD, SWARTZ & MORGAN 111 North Front Street P.O. Box 6B9 Harrisburg, PA 17108-0B89 RE: Richard A. Estacio vs. Lori A Estacio No. 96 - 6033 Civil In Divorce R. Mark Thomas, Esquire 54 East Main Street Mechanicsburg, PA 17055 Dear Mr. Estacio and Mr. Thomas: I am writing in response to Mr. Estacio's letter of July 10, 1997, requesting additional time to file pre-trial statements. Apparently counsel are attempting to work out a settlement. Consequently I will withdraw the directive to file pre-trial statements which were due Friday, July 11, 1997. I direct that pre-td,al statements will be due on Friday, July 25, 1997, in accordance with P.R.C.P. 1920.33(b). If a settlement is reached, please provide my office with two copies of the signed agreement and I will vacate my appointment. otherwise, following the filing of the pre-trial statements, I will schedule a pre-hearing conference with counsel to discuss the issues and, if necessary, schedule a hearing. Very truly yours, E. Robert Elicker, II Divorce Master . , Mr. Estacio and Mr. Thomas, Attorneys at Law 11 July 1997 Page 2 NOTEI Sanutions for failure to file the pre-trial statements ars set forth in subdivision (e) and (d) of Rule 1920.33. THE ORIGINAL PRE-TRIAL STATEMENT SHOULD BE FILED IN THE MASTER'S OFFICE AND A COpy SENT DIRECTLY TO OPPOSING COUNSEL. RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96 - 6033 CIVIL VB. CIVIL ACTION - LAW LORI A. ESTACIO, Defendant IN DIVORCE ORDER AND NOTICE SETTING HEARING TO: Richard A. Estacio , Plaintiff Sandra L. Meilton , Counsel for Plaintiff Lori A. Estacio , Defendant R. Mark Thomas , 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 lOth day of MF.lrch , 199B, at 9:00 a.m., at which place and time you will be given the opportunity to present witnesses and exhibits in support of your case. By the Court, ~~ \:::: Harold E. Sheely, \]ud~1'3 Date of Order and Notice: 11/7/97 By: Divorce Master IF YOU DO NOT HAVE A TELEPHONE THE OFFICE GET LEGAL HELP. LAWYER OR CANNOT AFFORD ONE, GO TO OR SET FORTH BELOW TO FIND OUT WHERE YOU CAN COURT ADMINISTRATOR FOURTH FLOOR, EAST WING CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 TELEPHONE (717) 240-6200 RICHARD A. ESTACIO, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSVLVANIA vs. NO. 96 - 6033 CIVIL LORI A. ESTACIO, Defendant IN DIVORCE RE: Pre-Hearing Conference Memorandum DATE: Friday, November 7, 1997 Present for the Plaintiff, Richard A. Estacio, is Mr. Estacio who is acting at this point on his own behalf; however, he is represented by Sandra L. Meilton. We have discussed the local rule that provides that the person pre-trying the case should also try the case, and Mr. Thomas has indicated that he is not going to raise any objection to Ms. Meilton acting as attorney when the case is tried. Ms. Meilton apparently could not be present today because of a prior commitment in Chicago. Also present today is R. Mark Thomas for the Defendant, Lori A. Estacio. The parties were married on May 14, 19B3, and separated May 10, 1993. They are the natural parents of two children, Richard Jr., born October 3, 19B3, and Lindsay A., born February 19, 19BB. A complaint was filed on November 4, 1996, raising grounds for divorce of irretrievable breakdown of the marriage and the economic claim of equitable distribution. 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 prior to the hearing to be scheduled in these proceedings so we can conclude the divorce under section 3301(C) of the Domestic Relation Code. On January 23, 1997, the Defendant filed a counterclaim raising on her own behalf the claim of equitable distribution and counsel fees and expenses. No claim for alimony has been raised by either party. Husband is 37 years of age and resides at 1016 Crystal Creek circle, Mechanicsburg, Pennsylvania, where he lives alone. He has a Juris Doctor degree from The Dickinson School of Law and is practicing as an associate attorney with the firm of Hepford, Swartz & Morgan. He has reported his net monthly income at $3,244.00. Mr. Estacio is paying through the Domestic Relations Office support for the children in the amount of $131.00 per month. There is no spousal support being paid. Mr. Estacio has indicated that currently the parties share . physical custody of the children although Mr. Thomas has advised that wife has recently filed a request for primary physical custody to establish more time with the children in her home. Mr. Estacio has not raised any health issues. Wife is 35 years of age and resides at 1075-14 Lancaster Boulevard, Mechanicsburg, Pennsylvania, where she lives alone. Wife has a Bachelors degree from West Chester University. She is currently a teacher at Cumberland Valley as a reading specialist. Her net biweekly income is $1,065.92. Mr. Estacio indicated that he believes she also has additional income from teaching during the summer which has not been indicated on the pre-trial statement. Wif~ had been working on her Masters degree according to her husband but she apparently is not pursuing that study at the present time. Wife has not raised any health issues. The parties own real estate at 1016 crystal Creek Circle, Mechanicsburg, Pennsylvania, where husband has been residing since the separation. Husband is having the property appraised and has indicated that he has a verbal opinion from Rothman, Schubert & Reed Real Estate that the value will be between $135,000.00 and $145,000.00. Mr. Estacio has been paying the mortgage payment since separation to crT-FED. The payment is $1,140.00 per month which includes taxes and insurance. Mr. Estacio has indicated that according to his real estate expert the rental value of the property will be around $750.00 per month; therefore, he is asking to be given some credit on the excess mortgage payment over and above the rental value of the property. The Master has discussed with Mr. Estacio the probability of listing the house for sale since wife seems very set in her position that she would like to have her name removed from the mortgage. The Master has advised Mr. Estacio that if he decides to list the property for sale at the present time, wife would be able to share in the costs of sale; however, if Mr. Estacio changes his mind as we get into the hearing process, the Master will not consider any request by Mr. Estacio to charge wife for any costs of sale or settlement. The real estate is subject to a second mortgage in favor of PNB which apparently was a consolidation of debts. The amount borrowed at date of separation was $29,919.60 and Mr. Estacio has been paying the monthly payment of around $450.00 per month since that time. He is also paying a PHEAA loan which monthly is being deducted from his income in the amount of $340.00. Wife claims that she ought not to be charged with any obligation on that loan since that loan was borrowed to assist Mr. Estacio with his law school expenses while wife was working to maintain the family. Mr. Estacio denies that characterization of the use of that loan and we will have testimony on that issue inasmuch as Mr. Estacio claims he was working as well as going to school at the time that the loan was taken out. The parties have reported on the pre-trial statements three vehicles. Husband has a 19B8 Honda Accord which the parties can attempt to value by looking at an appropriate car book value chart. Wife has a 1990 Acura Integra and again, the book value should be applied to try to arrive at a value. The 1985 Honda Accord was sold by wife and she received $3,000.00 for that vehicle which wife will be charged with receiving in the equitable distribution computation. The parties are going to have the household tangible personal property appraised since they cannot agree as to the value in each of their possessions. The Master has cautioned that they work from the same list so that the appraiser can value the property in husband's possession and wife's possession without either of the parties claiming that certain items were missed in the appraisal. Wife is a participant in the PSERS through her employment and Mr. Estacio is going to have her pension valued, probably through Harry Leister. Husband has a 401(k) with his employment and as of the end of 1996 the value was between $17,000.00 and $1B,000.00. In bringing husband's 401(k) to a present value, counsel can apply an interest factor from the date of separation to date of hearing. Mr. Estacio has indicated that the value that he gave at the end of 1996 did not include postseparation contributions. The parties have listed other marital debt on the pre-trial statements. Husband claims that he has paid around $1,600.00 on accounts owed to CW Fritz, Hampden Township, PP&L, Bell Atlantic, and Sprint. The charge from Dr. Thompson in the amount of $165.00 has not yet been paid. wife has indicated on her pre-trial statement that the parties owe $1,000.00 to Norma Christman which was the balance due on money borrowed from Norma Christman to purchase the residence where the parties lived. Mr. Estacio has not indicated that that money is not owed but the balance that is due has not yet been paid and he believes that most likely Norma Christman would not expect repayment on that debt. In any event, if there is an issue as to whether the amount was a gift or a loan, we can hear testimony from Norma Christman as to the status of that supposed obligation. wife has some concern about sharing in the payment of some of the marital debt based on her understanding that there was an agreement between the parties that she would forego payments for support in return for contributions for costs for the children and for husband paying certain obligations of the parties. Husband denies that there was any such agreement and we will have to hear testimony on that issue. with respect to the marital debt, the Master would like to have the parties present testimony aa to the amount of debt owed at time of separation and the balance of any debt owed at the hearing, and who paid on the debt between the date of separation and the date of hearing. This information will be helpful in applying any credit that may be due either of the parties on account of payment of debt. A hearing is scheduled for Tuesday, March 10, 1998, at 9:00 a.m. Notices will be sent to counsel and the parties. E. Robert Elicker, II Divorce Master cc: Sandra L. Meilton Attorney for Plaintiff R. Mark Thomas Attorney for Defendant RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96 - 6033 VS. CIVIL ACTION - LAW LORI A. ESTACIO, Defendant IN DIVORCE ORDER AND NOTICE SETTING HEARING TO: Richard A. Estacio , Plaintiff Sandra L. Meilton , Counsel for Plaintiff Lori A. Eetacio , Defendant Philip H. Spare , 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 30th day of December , 199B, at 9:00 a.m., at which place and time you will be given the opportunity to present witnesses and exhibits in support of your case. President Judge Date of Order and Notice: 9/'/ge By: Divorce Master 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 TELEPIIONE (717) 249-3166 . , RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA NO, 96-6033 CIVIL ACTION - LAW IN DIVORCE v, LORI A, ESTACIO, Defendant flLAINTlFF'S PRE.TRIAL STATEMENT PURSUANT TO Pa,R.C,P, 1920,33 (b) 1. (I), Marital Assets Date of Asset ~ Valuation ~ A, Marital Residence $141,000 Present $112,000 1016 C~stal Creek Circle Meehan csburg, PA 17055 B, 1988 Honda Accord $1,825 Present C, 1990 Acura Integra $3,625 Present D, 1985 Honda Accord $3,000 May 1993 (wife received) E. 401K (Husband) $17,270,48 F. PSERS (Wife) $7 , G, Refrigerator $ 500 Present N/A H, Camera $ 300 Present N/A I. Bedroom Furniture & $1,200 Present N/A Accessories J, Swing Set $ 400 Present N/A K, Camcorder $ 650 Present N/A L.TV $ 150 Present N/A M, Washer/Dryer $ 300 Present N/A N, Couch/Chair $ 250 Present N/A 0, Couch/Loveseal $ 200 Present N/A p, Tools .$ 150 Present N/A / I I I Q, Desk $ 50 Present N/A 1, (II), Non-Marital Assets A. Plaintiff believes and therefore avers that Defendant has acquired assets since the parties separation, some of which may have been acquired through the sale, trade or other disposition of marital assets, or otherwise, Plaintiff requests the right to reasonably supplement this statement when Defendant flies her Inventory pursuant to PA R.C,P, (1920,33(a)), B, Defendant has not acquired any assets of significant value sine the parties' separation on May 10, 1993, C, The parties had no assets of any slgnlflcant value prior to their marriage on May 14, 1983, 2, Exoerts A, Greg Rothman - Real estate appraiser, Mr, Rothman's report Is attached hereto, B, Auctioneer - Bill Chenoweth C, Harry Leister - Pension appraisal 3, Witnesses other than the oartles None, 4, Exhibits A, Pennsylvania National Bank Note and Security Agreement (Plaintiffs Exhibit 1), Gross monthly - $4,917 Net monthly - $3,805,78 Deductions - See pay stub attached 6, EXDenses Will supplement as soon as possible, 7. Pensions PSERS (Wife's pension) is unknown, Marital portion is being updated and valued, 401(K) (Husband's) approximately $17,270.48, (marital portion), B, PHEAA Loan Documentation (Plaintiffs Exhibit 2) C, Settlement Sheet for marital residence (Plaintiffs Exhibit 3) D, CW Fritz Invoice (Plaintiffs Exhibit 4) E, Dr, Thompson - Invoice (Plaintiffs Exhibit 5) F, Hampden Township bill (Plaintiffs Exhibit 6) G, PP&L bill (Plaintiffs Exhibit 7) H. Bell Atlantic bill (Plaintiffs Exhibit 8) I. W-2's (husband) for years 1985-1988 (Plaintiffs Exhibit 9) J, Summary of Debts listing date of separation and present balances (Plaintiffs Exhibit 10), K. Greg Rothman - real estate appraisal (Plaintiffs Exhibit 11) L. Auctioneer (Plaintiffs Exhibit 12) M, Harry Leister's pension evaluation (Plaintiffs Exhibit 13) N, Husband's pay stubs 0, 1997 Tax Return p, NADA Car Values . All exhibits currently available have been attached, Plaintiff will supplement exhibits Immediately upon receipt. 5, Income .. 8, Counsel Fees Plaintiff does not seek counsel fees from Defendant Plaintiff submits that each party should pay his or her own counsel fees, 9, Disputes as to Valuation of Tanolble Personal Property Defendant Is unaware of any dispute as to the value of any tangible personal property, 10, Marital Debts A. Mortgage on marital residence, $119,000 at the date of separation, $121,000 Initial amount of debt. Current balance $112,200. Husband has made all payments In average amount of $1,100 every month since May of 1993, Print out of payment history from CIT-FED mortgage company will be offered In support of Plaintiffs claim for credit. B, PHEAA Loan - $12,720 owed on date of separation, Initial amount owed $25,440, originally Incurred In August 1985, Purpose of loans to use for parties' living expenses and other various purchases which benefitted both parties equally, None of the loan proceeds were used for Plaintiffs law school tuition, Defendant has made all payments since May of 1993, Print out of payment history will be offered In support of Plaintiffs claim for credit. Balance due $850, This debt will be satisfied In September of 1998, C, PNB Loan (second mortgage) . Loan Incurred April 25, 1993, total amount $29,919,60, Amount owed at date of separation was $21,252,64, Current balance $1,300, Plaintiff has made all payments in the amount of $450,00 monthly since May of 1993, Purpose of the loan was to consolidate parties' joint debts (credit cards, balance of car loan), Dllod Apdl 21 . ,10 U HOT1CII II cIlod<od {] TOlo! of' PoymontI Tho _ you wm ~IYI po!d 1ftif' you have made III Ic;hodulod poymontl. . IIlon of f1noncod _ f1noncod 21,2n... AmatIlI given 10 you dlrldly ~ACII CIIAlIClI TIle ...., of your etod" Tho doll.. - "'" . I jtII1y r.... etodll will COIl you, _ F\nInOod Tho ......, of .rodll prcwldod 10 you on your bohlJl, . ~lPili on you, . Amount plld to adMII en your ~f 10 publio ortlclall 1.7000 "". !,666.9a. S y,." .oymont _ will be: fUnblf of PoymonI' Amounl .1 Plymooll 4 '.66 :11,252.64 S 26,919.60 . . fn4tWlI en "Umll. When PIYfM'lII Ar. 0\.;. Monthly, beginning Jun' 1 ,19 U 10 inlurlllCe comPIn'I I au.,1 glY ng . llCUIlty Inl,,"1 In: o "'" goodl Ot _erty bIlng puroh..od. lE (brill dftcnplion of _ property) YOIIR .ROPlATY I'1IInI _ . 2S.S0 10 . UtI ChIrgII II . payment II letl, you will bl charged the 11..,r 01 3" ot the payment. Of 12&.00, but In no event will "'" 1111 ohlllll be II" 1I111l .,0.00. 10 ......"IlIIII.,I you poy oIIl111y, you will nlll ~IYI 10 PlY' ponlllY. · 6,031.61 Baa youI .....act d<Jol,mInll lor II'rt oddlllonll Intormlllon .bout nonpoymonl, d.llUlt, Illy loqulrod ..poymon1 In lull 10 ,..ell peL _" "'" _Iod dll" ond prapoymonl ,oI\.Wld. end PtIlIlIiIl. · '37.16 Tho Annual Par_' Rill, _ Anonood end Paymonl _I. """'" al>cW. or. pill 01 1111. NOli and S_rilY Agr_ (whloh I. oaJlod "'" 'NOlI'. You or. "'" _ (Ot _.) who Ilgnt .. "Bon...... Ot ~Ignor. bllow. II mot. 1I111l on. p...on .Ign. bilOW, 100?I of you will bl lI.bll, ..porallly and 100_, lor III at yf1Jf proml... In "'II Noll. JU.U ,SICU VIlA 11,i1n.11 ,IICU ~UprvDtoISJs: PIHNIYLVANIA NATIONAL BANK AND mUIT COMPANY Of to our ordet, It Iffl of our amon. the Amoml Anenced. plul Inll'''' II provided below. In the runbet' of equal rTlCW\thly pl'f'Mll"ltl Ihown In the PIYlT*1t SoheduI.. PaymanIa or. eM blglMIng on "'" dll' IndloaJod In "'" Poymllll _,. ond on "'" ..... dll'/ of .o0?I IoIlowing menm ....111 w. ... plld In lull. Vou moy Pll'/ In odYonca all Ot pill of lt1a bll..- dua aI ony lima wl1houl PtIlIIIY Ot promlum, IeoIIIttY ~. A. ."",rilY lor "'" pr"",pl poymonl .11 1111 111"" you OW, IIDW 1NTI!1l!IT II CIIAIlO!D, 1111 An..- Chlfll' con.lltl only of 1n\....1 ond IhO propar patIorm..- .1 you, pr"",'", In 1111. Noll, you ond III tha Impoood dally on 111. outllllldlng bll..- of tha Amounl Anonood II "'" AmuaI 'C<>()wnaIa' Ilgnlng bIlow gron1 UI: PllconI.g. RII.. 111. An..- Chlfll' - al>cW. wa ftgurod by ...umIng thai (I) . ._rilY Int...., In "'" IoIlowing pI"onll proplrty, ond III aqulpmllll and III poymonll Worl raoalvod on 1I111r eM dll... If II'rt payrntnl II III.. you muat _1OIi1l: plY""'" An..... Chorg. 1I111l II .'-" -.. of "'" oddillonll Int..1I1 Impooad. II you PlY tarlt. Ihl Antneed Chargl will be I.... 1M ImOU1I ot the Incr.... 01 deatlUI In AnllnCe Chargl will bl due with the Iut payment. VItllch wUl be t. modIfied to reflect thl actual ImQUOt thin due. 2. IET-o"1 'Thl law HIVI. u. . right 01 ..t-oft In atr'I of your property In OUt pot.e..lon et tltY 'me. Including depotlt eccc::a.rn.. Thi. m"'" Ihel. It you default, we mlY ex.reile our right 01 ..--oft tnd apply tItY of your property In our pOl....lon. IncludIng dlpotll accounts. to the .um. you owe an thl. Note. 3. OUr .eourlty Int.....t lnCIudn part.. called -acce..lon.: added 10 thl perlonal proporty aI 01'1'/ III.. lima. (II) I "~g_' upon 1016 CRYSTAL CREBIt DRIVE fLOOD INSURANCet II chtcked n I Inlurance II required agalnlt ftood dll11l1Qt """'I _ to Improved r..1 propertV (l( mobuiliome COIleteral. KlCUlllCSBURG PI. 170!!1991 . pf'ODeftY I lecurn I at. ,. CIJ the - la1er.. ur rig tl and your r..pooiIlbllltl.. loo"dlng II'rt poraonal proparty COllllllol or. provldtd In 1111. PIlOP!1ITY INIURANC!. II 1111. Noll II ._rod by COllllorol whloh I. nol In ,." _ Agr_, ""'ch conll",," on 111. IlYor.. .,dl. Our lIghl' In ony rool p......,on, In.ur..- .gllnlt phy.,oaJ dlm.g. 10 111. CoIllI..1I II ,oqlllrod lor "'" I')roptf1V CoIllllfal arl conttlned In the Mortgagl. At your expenl" you will lull tenn of thil Note. _II' ond loin wi1l1 UI In Ilgnlng ond ftllng _onll ond In likIng Orty athlf Illpl whfch WI dHm necellary to Plrl0G1, mllnttln perfectIon of, ...,d .111.", ou' l_rilY Int...., In "'" COllllorll, flOOD INSURANCE AND PROPERlY INSURANCE MAY SE OBTAINED lHR01JQH IF NO REAL OR PERSONAL PROPERlY IS IDENTIAED ABOVE, lHlS NOTE IS Am AGENT, BROKER DR OlHER PERSON OF YOUR CHOICe. S.. In.ur.... In UNSECURED. Sactlon 2.4 011111 S_lIlY Agr_onl on 111. ,avll" .,d.. CAlM INIUIlANCI II NOT RIQUIR!D. Subjact 10 OOClpllllCO by lt1a In.urar nomed bilOW, .rodlllnlllronco II avllllbl. 1I1roug~ "' lor "'" lann of 1111. NoI. at "'" COII(.1 _ bIlow. Slngl. CrocIlI Uf. ond Slngl. Crodll Accldllll & HIII1h In.uronco or. avllllbl. 10 II'rt ana Borrow" or Ci>-8lgnar Ilgnlng fa( Inlur..- balow, JoInI Crodll ut. InlUr..- I. 1Y1l11b1. 10 II'rt two .1 you .Ignlng lor .uch In.llr..- b.low, No crodll Inlllr..- will be provided unl,," "'" approprill' 1111-"1') II .Ignod by "'" par.on(.) I. be Inlurld ond m. COII(') .'-" bllow all Included In 1110 Amount Anlllead. (S.. 111. NOTICE OF PROPOSED CREDIT INSURANCE on "'" IIY_ .'d..) By Ilgnlng, you want Singl. Credit Ut. Inlur~C8. which COlli . 363.n By "gnlng, you Willi Slngl. Crodlt A~dllll & Health Inlurance, whIch COlli S 0.00 By .Ignlng, you bo1h wonl JoInl Crodll UII Insurance, which COItl I Whll arl your -a"? 1. - V.... 2. - V.... Slgnatur.. of bath penonl to be InJured fol' Joint Credit ute Inlurance SlgnllUfI of peraon to be Inlured for Single Credit UfA. lnlurence RICHARD A ISTACIO WhIZ II your age? SIgnature 01 perlon to ti-inlured for Slngll Credit Accident & Health, Inlurance 33 Vearl What I, your age') Vearl InlUllr: InllUNO UF! INSUIlANC! CO, lHE ADDIl10NAL TERMS AND SECURITY AGREEt.'ENT ON PAGE 2A OF 2A ARE PART OF THIS NOTE. BY SIGNING BF.LDW, YOU INTOND TO BE LEGALl.Y BOUND BY All. OF THE TERMS OF THIS NOTE. ,YOU A 0 ACKNOWLEDGE RECEIVlNG A COMPLETED COPY OF THIS NOTE. 1016 CRYSTAL CRiBIt D HlCBAftICSBURQ PI. 110!!1991 Addre.. 1016 CRYSTAL CRIll D HlCHANIC8BURO PA 170551991 A~drlll BQI'fOW8f'1 Slgnaturl 8QNaNe(1 Slgnatufl NOTICE TO co.SIONER Y.u "" baing ulcId to gUArlnl.. \hI. dabL Think ca..lully bolo.. you do. II the Borrower d_n'l ply the deb~ you will hive 10. Be .u.. you Cln olIord 10 poy II you h.ve 10, Ind \hll you wanllo .ocopllhl. lllpanllblllty. You AllY hi.. to plY up 10 the lull .mounl .1 the debl lithe B.rr....r doee n.1 ply. Y.u mly .100 hI.1 10 ply 1111 - .r oolllollon ooato. which In._ \hI. Im.unL 1111 CNdn.r can oollaol \hI. dabl tr.m yOU wllhout nrll Irylng 10 collaol tram the Borrow.,. 1111 Credllor can UN the ..me oolllcllon melhoda egalnal you \hI1 Cln III uMd egll"ll the B.rrowlI, .uch "' .ulng you, tic. II \hI. debl II .ver In dellull, \hI1 IIat Ally.......... · port 01 your .redn .....rd. CO-SIGNER'S SURElY AGREEMENT: Vou, lno p.llon (or p."on.) ,Ionlno .. .c..S,gnor' bilow, pr"",'" 10 PlY 10 U', or 10 our ordor, 111. Amounl Anonood, plUl Inte'et' end other ehlrget, .. provided In thl. Note> You Intend 10 be legally bound by III the terma 0' \hll Note. IIpll/'llely end together. with the Botfowlt'. You are making thll proml.. 10 Induce UI to mlkl lh1 loan to the BorTOWOl', l\Ien though thl proceed' will btt uaect Mlt for the Borrow,,', beneft!. You egr.. that we may leek Immedlell paymenl from you WIthout making Illy prior demand for paymonl upon the Borrower. You tJIQ tcknowltdge recel\'lng I completld copy of thl. Noel. Co:.Slgll8l'" Slgl\ltUfI ~igner'. SlgnlNrl J;"ddr," Date Add'"1 Dati Co.oWNER'S SECURllY AGREEMENT: You, I~I .."on "gning .. .Co-Own.r. bilow, tOOlmor '.hh m. Betrowor Ot othlrwi.. b"ng .11 olm. ownl" oltha Colllloral, gron1 UI . ._rllY Inllr..' In 111. COllalorll ,dlllll~od lboYl, II m. CoIlllorol con.I." 01 p."onll property, you Igr.. 10 b. bound by 111. II"'" 01 "'" SacurilY Agr_ conlalnod In mi. Noll, II 111. CoIlalor>! con.IIt. 01 r.1I proplrty, you Igroo 10 b. bound by m. II"'" .1lt1a MorIg.gI, You or. gronllng UtI 1111. l_rilY 1n\...., 10 Induca u. 10 m.1<o 111. loon 10 I~I Borrowor ond 10 .OICU" Ih. poymlllt by 1111 Borrowor .1 all .um. dul undor mil Notl. II, upon dlllUl\ ond .11. of "'" CoIllllfaJ, there remalnl eny .urn 11m due UI j the Note, you will no' be obligated 10 ply UI thll aum. eo.o-r" SlgnllUr. -----~-:-:-~:-~--A:'~c.!!-,.,-...--...-,-" ------ oar.- IIIII1IIIIIIIII ADDmONAL TERMS RBTURNllD CHI!CK CHAROI!, \I yo. ..nd .. . chock or olh.. It.m In "'ULTIPLB PARTIES, \lth.re II more than one Borrow.. on thl. HOIl, or paym.nl 0I1UI1I. you ow. on Ihll Hot. .nd Ih.I It.m I. relUm.d .npald lor on. or more ~I.n.n, .11 01 your obll..llo.. .hlll be prim.ry, l!eeh 01 you Iny flUOR, we wllIlmpoee I Return Item Poe of ttS.OO. will be liable I leparl..I)' and tGlether, for .11 of your prom'", In this NOll. DBfAULTI The followtnllf' each "Default.": WAtvBR: If we declare Ihe unpaid balance \If tho Hotland earned Intortl' (II You f.n to mike In)' payment to UI on or before tho day It comet dUOj 10 be immediately duo and payable, you ",.Ive your r1ahtl to tlqulr. UI to \iI You provide UI with ,.Iae Information Of Illnlturel I' Iny Itmo; do certain thlna.. ThOle thin., .,e: (II Vo. dl. or becom. I...lly I..ompel.nt; (I) to d.m.nd p.ym.nt 01 .mo.nt. due (known .. "pII..ntm.nl"); (I.) Vou do nol promptly .nd properly perfonn .ny 01 yo.r prom I... or (II) 10 .1.. nollce Ih.1 .mounll due h... not he.n p.ld (known .. "nollce abll..llo.. In thl. HOIl, Ih. Security A.re.m.nl. Ih. "'on.... or In 01 dl.honor"); .nd any other nole or a.,eement you noW or lale' have with Uti (UI) to ohtaln an omclal cerrifteatton of nonpayment (known .. "protelt"). (.) Vo. cennol p,y .ny 01 your d.bll .. th.y .om. du.; (viI Th. CoII.t...II. I..t, 1I01.n, dam...d or d.llloy.d; W. w.I.. Ih. ri.hI 10 tr..t .ny property olh.r th.n Ih. CoII.t...1 .. IOCIlrity (vii Th. CoII.II..1 I. ..'d. tnn,'.n.d, I....d, .I..n or d.II....d, In whol. lor thl. HOIl, A w.I..r 01 .ny oth.r 01 our ri.hll .nd.r Ihl. Not. will not he or In pan, 10 . penon who I. nol . p.rty to Ih. Security A.r..m.nl or .rrocll.. .nl... It I. In · .I.n.d wrilln., Mon....; HO HOTICB OR LOSS OF RIOHTS, W. cen do .ny 01 th. lollowln. (villI Proc..dln..... he.un .nd.r th. O.nkn'ptcy Cod. by or ...Inll yo.; withoutt.llln. yo. ot 1..ln. .ny ri.hll ...In.I you or th. CoII.II..1: (II Any I.d.m.nl I. .nt.r.d 01 r..ord '1.lnll yo.; or (I) ....pl I ch..k or oth.r ord.r m..ked "p.ld In lull" or with oImll.. (I) Any 01 your property II .nl.h.d or ..bJOCllo heln. lorl.h.d, I.n..... .. · p.rtI., p.ym.nt .nd.. Ihl. HOII; OBPAULT AHD RI!QUIRI!O PAYMI!NT IN I'ULL, \I .ny O.I.ull (II) .1.. .ddlllon.lllm. lor paym.nl 01 .ny .mount owIn. und.r Ihl. 1'4011; QCCun, we mlY, If we chOOte, "Iccelerlto" tho mlturity of thl. Note. 11\1. (Ill) IIcrcllO, live up or dellY ClIcrcllln. Iny rilM ISllnlt Iny ponon or melN wo ml)' doclare tho entiro remllnlnl unplld blllnea of the Amount propert)'i Plu...d .nd ..med Int.r..tlo be Imm.dl.t.ly due .nd p.y.bl., How...., (I'l.dd or ..I.... .ny penon ot property obll..I.d und.. lhll Hot.; or IIthll HOIl II oecur.d by . "'on.... on r..ld.ntl.1 r..1 property CoII.I...', (. 1.11 to protocI or .nlon" o.r Inl.r.'lln .ny 01 th. CoII.t...1. II requlr.d by I.w, w. will nnt ..nd you. tlm.ly notlc. 01 th. D.I..It, .dvIo1n. yo. 01 your ri.ht 10 c.r. tho O.I.ult .nd 01 o.r Int.nllon to I.k. RISK OF LOSS, Vou will r.m.ln bo.nd by Ihl. Hot. ...n II Ih. CoII.I...1 ..tlon II you do nol c.re within th. 11m. perind provid.d In o.r nollc., "w. I. 1..1, .tol.n, dam...d or dlltroy.d, nl. .n .cllon to colllOt .mo.nllln 0.,..11, yo. .1.. ..r.. 10 p,y .11 01 o.r OI!NllPIT AHD BURDI!H, Allth. ben.nll 01 Ihl. 1'4011 .h.1I I..or .., our ..urt COlli .nd our r....n.bl. .nom.y.' I... 01 20'ill 01 Ih. .mount du., ........n .nd ..oIan., Th. ohll..llo.. .h.1I bind you, .nd yo.r h.ln, Our ri.hl 10 ..lIoct .nom.)'I' I... m.y he IImll.d durin. .ny cure period penon.1 r.pr...nl.II... .nd ...I.n., provid.d by I.w, W. will ..nllnu. 10 Impooo Int.r.'1 dally on .1I1U111' ow.d HOTICllS: Unl... ott.erwt.. r.qult.d by I.w, ...h d.m.nd or notlc. under to .. .t Ih. ..II provid.d In Ihll Hot. unlll w. roc.lv. p.ym.nlln lull, ...n thll HOI. .h.1I be d.II....d or ..nt by r...11I m.II, .ddr....d 10 Ih. party .1 II w. h... obllln.d j.dam.nt .a.l..t you, III .ddr... II provid.d In Ihl. HOIl, Blth.. p.rty m.y eh.n.. III .ddreu by LATI! CHAROB: Vou ..r.. 10 p,y . I.t. .hlla. 01 th. I....r 01 $25,00, or .Ivin. ouch . noli.. to Ih. oth.r p.rty, R....n.bl. nollc., wh.n notIc. II 3'i11 01 th. paym.nl .mounl, II .ny p.ym.nll. not m.d. within 15 day. 01 III r.qulr.d, .hllI be d..m.d 10 be 10 day., d.. dat., In no ...nl willth. Ill. ch..a. he I... th.n SIO,OO, Ho I.te.hll.' LAW, Thll Hot. will be ....m.d by Ih. I.w.ol th. Commonw..lth 01 will he due II th. r....n Ih. paym.ntl. 1.1' I. . eonllnulna d.llnqu.ncy on · prior p.ym.nt or boce.... .11.r d.I..It, Ih. .ntlr. oUIII.ndlna h.I.... P.nnoyl..nl., unl... I.d...II.w. .pply, became due. SECURITY AGREEMENT provid.d In thll HOIl, " yo. 1.11 10 honor your promlle. 10 m.lnllln InlUfIlllCe In effect, or to PlY nlln. feCi, taUt or tho COItI nece...ry to keep the Collaterll In load condition Ind repllr, we may, If wo alone ChOOlO, .d..... .ny 1UI1I' yo. promll.d 10 pay .nd oblllln r.pl......nt lneurance, However, Iny repllcement Inlurlneo wo obtain to cover Iou or damllo to th. CoII.t...1 m.y he IImll.d 10 .n .mo.nt nol.r..I.. th.n wh.t you "". on Ihl. Hot., Any .mo.nl w. .dv.nc. on your beh.1I will be .dd.d to th. b.I.... on whl.h w. Impoo' PIn.... Chll..' .tth. AnnUlI p....nll.. R.1I 01 Ihl. Hote .nd m.y be r.p.y.ble; (I) Imm.dl.t.ly upon d.m.nd; (II) .Ion. wilh yo.r monthly p.ym.nll; or (III) .t th. .nd 01 Ih. Hot., II w. .Ione m.y opoclly, O.r p.ym.nll on your hehlll will nol cure your I.II.te 10 perfonn yo.r prom I... In Ihl. Sec.rity A.r..m.nl, 2,7 INSPI!CTIOH, VO. will pennlt .. 10 In.poet Ih. CoII.I...1 .t .ny rellOnable time. SI!C'l10H I, LOAH AND COLLATI!RAL, Wh.n you .Ian Ihl. Hol. .nd dcliver it to UI, and complete the other required detan., we will mak.e a loan to you, Thll Sec.rity A.r..m.nt .ppll.. only 10 peroon.1 property d...rihed II CoII.I.III on Ih. front old. 01 Ihl. Hot., A. UI.d In Ih. lollowina Secllon. 01 thll Sec.rity Aar..m.nt, "yo." .1.0 1..I.d.. .ny Co-Own.r 01 th. CoII.I...I, SI!C'l10H 2, VOUR OTltI!R AORBI!MBNTS. 2,1 OWN, SI!LL, BTC, Yo. own Ih. CoII.t...1 Ir.. .nd cI... 01 .1I11.n. Ind lecurlty Intcrestl. You will not .ell, tran.fer, lello, live, deliver or oth.rwt.. dlopoo. 01 th. CoII.t...I, In whol. or In p.n, to .ny penon who I. not . party to thl. SOCUrity A.r..m.nt, VO. will not pennlt .ny lI.n or IleCUriry Interut to be obtained on the Colllteral other than oun. 2,2 MAlNTAlNl!oIO '\"HI! COLLA Tl!RAL, Al yo.r ...t. you will m.lnt.ln Ih. CoII.I...I In .oad ..ndlllon .nd r.p.lr, Yo. will pr...". It .a.lnll I... or damale. You will pay an tale. and othor charae. on the Collateral. Vou will nol ... th. Collat...IIII...lly or lor hire, 2,3 DI!POSIT ACCOUNTS, " Ih. CoII.t.1I1 con.I.1I 01 . d.poolt ...o.nt or cert\ncata of depDItt, wo may refuJe to anow )'ou to clote the account or withd..w .ny .um. Irom It, \I th. d.poall ...ount or c.rtlft..t. 01 d.pooll maturea while the Note remalnl unplld, we will aUlomatically renew the d.poall lor tho ..m. 11m. period. II provid.d In tho d.poolt .ar..m.nl, unleu )'ou Ind wo a.ree that the deposit Ihould be renewed on other term.. Th. r.n.w.1 d.poolt .h.1I he CoII.t.ral..bj..tto Ihl. Security Aar..m.nl, 2,4 INSURAHCE, Whll. .ny .um. .re ow.d on thl. Hot.. yo. will corty Inlurance on any Colllterll which I. not In our poIselllon Isaln.t nre, theft and other cllualty. The polley mUlt cantlin a deductible cllUlo and be In In Imount Ind wllh an inlurer thlt Ire ..tldactory to ut. The polley mUlt namo UI.. Ih. "I_p.y..," Th. poll.y mUlt provide lhot .ny I... I. to he p.y.bl. 10 you Ind to UI II our Intereltl Ippear. It mUlt 1110 provide thlt we bo Ilvcn not Ie.. than 10 day. prior wrinen notice of any cancellltion or reduction In coverale for Iny realOn. Upon requClt, you lhalt deliver the pollclel, eerttftcatCl or other evidence of Inlurlnee 10 UI. 1n the event of any Iou or damlao to the Collateral, you will Immedlalely"nodfy UI In writina Ind file a proof of 1011 with the Inlurer. We may file I proof of Iou on your behllf if you ran or refute to do 10. We may Ilia .Isn your name 10 any check, draft or other order for the payment of Inlurance proceedJ In the event of Iou or damaso to the Collateral. 1f It i. economically fealible, In our judsmcnl, we wUlapp1)' tho Inlurlnee proceeda to repair or replace Ihe Collaterll. Olherwlle, we will Ippl)' the proceeds 10 reduce tbe tum.: you owe on thlt Noto. 2,' H01TNO OUR SI!CURITY INTI!RBST, II. c.rtlfte.l. 01 tltl. I. luUed for the Colllteral, you will lullt UI In having our tecunl)' Interelt noted on the certificate of lIt1e. 2,6 YOUR AUTltORITY TO US, II yo. 1.1110 do wh.tl. r.qulr.d 01 yo. by Sectlonl 2.2, 2.4 and 2.', we may if we choole, perronn your obllaalionl and pay luch cottl and uponlel. We wl11 add the .mounta wo Idvance 10 the auml Ihe Borrower owe. on thll Note, on which we Impose Intcre.t .1 SBCTIOH 3, HO LOSS OP RIOHTS, Th. Hoto .nd thl. Security Alreement ma)' be nesotiated, 1..llned, e.tended or renewco by UI wltbout rele"tnl any of you or tho Collateral. We may add or relellO an)' penon or property obll..t.d .nder Ih. Hot. .nd Ihl. Security Aar..m.nt without loon. o.r riahllln Ih. CoII.te..I, SI!CTIOH 4, DI!PAUL T, A DeI.ult und.r th. HOIl will be . D.I..lt under thl. Security Aar..m.nt, In .ddlllon 10 .11 th. n.hll .nd r.m.dl.. 01 · ....r.d p.rty .pon d.I..1I whl.h ... provid.d und.r Ih. Unllonn Comm."I.1 Cod" upon o.r decl.rin. Ih. Hot. to be Imm.dl.I.ly duo .nd p.y.bl.: 4,1 APPLlCATIOH OP DBPOSITS, w. m.y .pply .ny d.poolt. I..,.d.d In Ih. Collat.ral ...Inll Ih. ..m. th. Bonow.r ow.. on Ihl. Hot., " Ih. Collatera' conltlt. of a time depDItt or certiftcate of depoIU, wc may t.nnln.t. th. d.poolt helore m'lUrity In ord.r to r..II.. on th. CoII.I...I, 11 we tennlnate the dCpoItt, the contrlct of depotlt or Ippllcable law may require thai we Impolle lubltanlill penaltiel for the early withdrawal. 4,2 SURRBNDI!R OP COLLATI!RAL, W. m.y r.qulre you 10 ourr.nd.r the Collateral to UI all reasonably convenient place we de.lanate. 4,3 PI!ACI!I'UL RI!POSSI!SSlOH, \I yo. don't ..rr.nd.r Ih. CoII.I.ralto \lI, we may tak.e poaaculon of h, with or without lelal procell, In accordance with law. You authorize UI to peaceabl)' enter upon Iny premllC' whero the Collateral m.y he loc.t.d lor Ih. purpoa. 01 t.klng poIIO..lon .nd r.movin.II, 4,4 I!XPI!HSES OP RI!POSSI!SSlOH AND STORAOB, W. m.y .hll.. you our realOnable eapenle. In repoueulnl, trantportinl, repa1rlnl, .torina .nd ..lIIna Ih. CoII.t.ral .. lona .. th.y .re .1I0w.d by I.w, 4,' SALI! OP COLLATI!RAL, W. m.y ..11, ...Ian or d.II..r Ih. CoII.,...1 at one or more public or private ..te.. We .nil give you reasonable nodee of the lime and place of ..Ie. We may purchllo Ihe Collateral at thlt ..Ie, Itee 01 any .q.lt.bl. or l.a.1 riSht or .1.lm you m.y h... In Ih. CoII.t...I, W. will apply the proceeda of ..Ie nnt to our elpenle. and then to 'he auml the Borrower ow.. on Ihl. Hot., W. will p,y .ny .urpl.. to yo., " . IUI1I I. .1111 owed to UI, the Bonower Ind Co-Sllner mUlt PlY It 10 UI. NOTICE OF PROPOSED CREDIT INSURANCE Tho SI.n.r(.) 01 thl. Hote h.r.by t.k.(.) notl.. Ih.1 Orollp Cr.dlt LII. In.."'" eo.era.. .ndlor Oroup Cr.dlt A..ld.nt .nd H..lth In.ur.... c...n.. will he .ppllca~l. to thl. Hot. 11.0 milked on Ih. front olthl. Hot., .nd ..eh .u.h type 01 .0...... will be wrin.n by Ih. I........ company ..m.d, Thl. In.ura..., ..bj..t to .cc.ptane. by Ih. In.urer. co..n only th. penon(.) .Ianln. Ih. r.q.elt lor .uch In....ne., Th. .mount 01 chll.. I. Indlcat.d lor ..ch type 01 .r.dll In....... 10 be pureh...d, Th. t.nn 01 Ih. In..ra... will .omm.... II 01 th. dat. th. Indeht.dn... I. I..urr.d or on Ih. dat. Irmn which th. Inler..t or PIn.... Chlla.' .ccru., II lot.r, .nd ...111 ..plr. on Ih. orialn.1 och.dul.d m.turity date of th. Ind.ht.dn..., Subject 10 ....pllne. hy the In.ur.r .nd within 30 d.y., there will h. d.lI.errd tn th. In.ured d.htor(.) . c.nlnc.t. nl In.urane. more fully d...rihtna th. In.ura..., 1n the o~cnt of prepaymenl of Ihe Inde.htednell. I refund of Inlurance chargel will he mlde when due. .-.---".--.--.....----- -..-.------.. __.._. __.~ ___.___.._...._________~_._ __.._~n__'~___ NOTICE: SEE IA Qt' 2A FOR IMPORTANT INFORMATION ITEMIZATION OF AMOUNT FINANCED ACCOUNT NUMBER: 1987020011 PENNSYLVANIA NATIONAL DANK AND TRUST DATE: April 26. 19 LENDER: ------- , Slgnalul1l 01 Bonower ~ 'tl&/acUJ ~Bonower UHl-fORM (R) I PEHN Ill" 11 fORM ,,, lA' pw2) CUSTOMER COPY COKKOIIIILIH LIID IllLI IISORIICI COKIAII 121581,81 D,S. Dlllrt.lnt of Hoo.lal 104 Drbla DI'llolllot OKI 10, 1111-1111 11,1"1 104 A44rl" of SIII.r I 0.,14 c, Cook 104 Cbrl.tl K, Cook I I I I I IUIII Ind Wrlll of LlDhr I lbl Rer.be, Ilak I I I I I G,Irollrt, Loc.tloa Lot 10, I, Ilock 'C', IlIa of Creek,le, HI.041a t~'albI2. co.be[ilaoi4 Cooat" II ~il~O::::~ ~~O~~R::R;:o:I:~::~:i~;. , 111,Caotr.ct .111. Irlce 121111,11 112.,arlooll Irol4rtl Ill.Settle'lat cblrlel to borrower (1loe 1111) 1119,11 A410at.ent. for Itl.. olld b' .Illlr 10 14'lacI 116,Clt,/to,a tlrll 12/11/91 to 12/31/91 21,11 Ul,Cooatl taw to U'lIl, \I8,SCHOOL 1A1 12/11191 to 16/31/92 Q6,/Sm,u 119.Rlfole/Sever 12/11/91 to 11/11/91 19,11 Ill. GROSS AIODII 001 non 'O!R~nB III, AKOUIIS lAID II OR 11 IIHALI or lORROIIR 211,D410.lt of elrae.t aoae, 112,Prlacllal laooot of aev 1010(1) 211,lrlltlal 101011) 211. 21\, 2&6, 211, 211, 219, 212,ctollal COltl lal4 bl Seller 121, lOlAL lAID II/rOR lORROlh 311, lOlAL I' SIIlLIKll1 rROKllO lORROIIR 311,Groll I.ouat dOl frol borro'lr (1101 1211 1II,Le.. laouatl 0114 b,/for borrower 11101 121' 313, CASH ((IlIIROK) (t 110) lORRom 10RK 911 (HII (;1.<..1,'''' ,:,........-u, {(..,....,,, r..'''J r;.... t-T '-( ~c,.'( c /{MJ 6,/ 7...,,,. (too"..... ,...,<.v..."I ~ J'~/__ (1,1"1""""'" In'"''''. ./. :: :::~I::I~:.:taUlIDt !!tie Iamam 10,DIl4399C' t,llm 1.( I"!! 3.( ICm. Dalu. I 6,rIlI lubl! 11.L0IG latber IUortlll' tomlBCI Cm 10, 1.( 1Vl !.r leon. 111I. I I I C,lotll lbll for. I. forlllbl4 to 11'. '00 . .tltl.llt of acto'l Ilttl..4at co.t.. A.ooat. I.td to .04 b, tb. Ilttlellot Illat Irl Ibo,o, Itl.1 Ilrkld '(I,O,C)' 'Irl I.ld ootl141 tbl clOllal1 tbl' .rl Ibo'l hlrl for laforlltloall lorlo.11 104 Irl oat laclodld 10 tb4 tOtlh, 0,1"1 104 14drl" of lorrollr IIcblr4 A, IltlctO 104 Lort I, I.t.clo I B.81tt1.mt AllDt I COllOavealtb La04 title Ilmaace CO'OlDl I II.cl of H.ttl.llat II.Slttll.llt D.tl I 11 som HARm 10, 101lll-A, I I HIRRIIIDRG, II 11111 I Dlcllblr I, 1991 I Klre S. S.lth KI8 I I I, SUKKIRI or SILLIR'S IRAISICIIOI I III. GROSS AKOUII 001 10 SiLLIR I 111,Contrlet 11141 Irlel I 112,Ierlooll Irolert, 1113, I I I I I I I I : I I I I I I I I I I I I I I I I 116966,13 6511,81 III 611 ,10 3lOB, II . 131611 II 136966,33 III eee, 81 1,966,33 _ /ou,lJ,) ",6"6, JJ A41ultlentt for ittll oai4 b, .t1ltt in 14'.Bct I16,Clt,/tOVD tUlI 12/11191 to 12111/11 111 ,Connty tam to m,SCROOL !AI 12/11191 to 11/11/12 m,Refau/Sem IlIUI9I to 11/11/12 121. GROSS lKOOII 001 10 SlLUR III. RIDUCIIOI 11 IKOUII DUI 10 SILLIR 111,DIIO.lt of lerDe.t ,0Dey 112.Settleleot cberlel to Illllr (line tIll' Ill,lllltlol 1010(1) 111,~o.e. Kortllle, OSl I.,off flrlt .ortllle 1193111111 III, 186, \11, \II, \19, 111,Cloll09 COltl 1114 br Selllr lue 113,Clt,/tovo t.le. III,Conntl tun till e e to to I 121. lOllL RIDDCllOI AKOUII I !II. cm II smLIKEI! rOmOK SlLUR 611,Gro'l ..ooat doe to lelllr (11De 1211 Ill,Lel1 re40etlool 10 Iloont 401 1IIIer llloe 121' 683. cm (\11\ 10) (( I noR) SlLUR HUD-I (3-161 UIIA, HlIlIH 11,11 166,11 29.11 1l1l16,4I 11611." 11616,11 ml," 121216,41 IUll"'l 21,121,11 . 11IIIItlG 101 '0111~1144V 01111 "II. lilt '01 '10 '1'0144, 1101 JO I Illl Dunne, L. IIIILIIIII CB110IS ,... 'OtIL IILI.'llor.I'1 eONNISSIOI balld OD Drie. t 1215...... 1."" DI,!.IOD of eO'III.loaflla. ll'l I' follow'l 1'1,' "11,1' to !bl 'rldl.tlal Ibol,IOO 1004 Ilal IItltl 1Il,' 'Ill,lf to IllKallllltf 111,C011111100 'aid It IIttll140t lit. to .,., IIIK. 'llllLI II COIIICIIOI III. LOll III.LOIO Ortltmloo '" I I'I,LoII DllCOOlt I ..I.l"rlllll 141 to Ibl Blrlbll Ilok IU,Cndlt ",ort to lbe hub!f IlOk 1.I,Llldlr'l 1IIIIctloo '11 '1'.DoCOI4It 'r4', Ibl Blroblf Ilok "1,!11 'Irllol '11 Ibl Blrlbl' Ilok ,... If.l. IIODIIID If LIIDII to II .110 II IDVllCt 1.I,lotlrllt frol 11,.,,11 to 11,.1,11 " 11,13 141f III,lort,I,1 101lrl001 'rlllol for II 10, to 001 "I,Blllrd IllIrllOI 'rlllu~ for frl,to 1....11.11111 01'0'1110 IIIB LIIOIR IfII,Bmrd 101011001 . 110.11 IfIl,Kortllll IlmlOOtllO." IIIl.Cltf ,ro,lltf tam II 10." Iffl.Coootl,rO,lltf tllll 10," IIII.ICBOOL fill. 1 10." I.... ,er 10, 11.11 ,er 10. 21,1' ,er 10, ,Ir la, I&,U ,er 10. 11... flft. CRAIGIS 1I.1.'lttlemt or clOlIo, fll to lII1.1bltmt or tltll 11mb to 11'I.Itttl 1IIII0ltloo to 1If1,f!tle 101011001 blo4er to 1111,11'1'" K1IL.'lfOff to COKKOII11LIB Lila IlfLI IIIOR1ICI co 111'.IlttI4110t Cblr,1 to COKIOII11LIB L1ID IIILI IISOR1ICI CO (Iooludll Ibove It III 10,' I 11",fltll 1010rl001 to COIKOII11LIS L110 IIILI IISOI1ICI CO (Ioolodll Ibo'l Itl~1 10" 11.1 . II") IIII,Llodlr'l oOllrl,1 I 111"',11 1II',Ovaer'l ooml,1 I Illl..... IIII.DI'IORIIIO CB1IOI to COIIOIII1LIB L110 IIILI IIIOR1ICI CO Itll,IIOOI.IKIII '1 II" to COKKOII11LIS L1ID IIILI IIIOR1ICI CO 1111,11001'11111 '1 II" 1ll0RIII to COKKOII11LIS Lila IIILI IIIOR1ICI CO 11'1, GOIIIIKII! IICOIOIIO 110 IR1IS.11 CR1ROIS 1111.14oor4101 fill. 0114 I 12." Kort,111 I 1211,Cltl100ootl tlllltll'll Dlld I 1211." Kort,I,1 I 1211.Stltl tlllltll'l 0114 I 1211." Kort,I,1 I 121'.IICORDIIOolort,I,1 1111,IIIOt 1211,IICOIDII0-Ktl, Sit, 11," RIIIIIII I 11'1, IODIIIOI1L 1IIILIIIlI CR1ROIl tl'I,Pllt 111,10tlol 1I12,Iotlrp PII 13'3,0111 Prl'. l3IUltlr lut 1311.11101 lark t31',llt Ildol lilt to BOVlrl Pllt Cootrol to Irlo, LIdvl, to Ibl 'rodlotlll Ibol,lOO Vood Rill Iltltl to JObOltOI Llbl to 111101 Ilrtroollotll to 111101 lorlroollotll 141'.10IlL IIIILIIII! CR1ROI! flotlrld 00 11011 183. IICIIOI J 110 1'1, IlottOI II PORI III (4.111 511 '1'1 3 for olrtlfloltlol lad Itllltorel 'aol 2 of POll lPPloved 018 10, 2582.8115 palo PIOI I PlIO rlOK 801ROVII'I I IILLII'8 rUIDI aT I POIOI II 8915." St"t'MII! I SI"tIMI" I I I I III I ,81 I I 1111," I I 1111," I I'OC 1111.81) I I ('OC lU,811 I . I I I I 11&.11 I I 1l,1I I I I I 1ll,U I I 1118," I I I I I I 48,11 I I 11.11 I I 1II,32 I I I I m.lI I I I I I I I I I I I I I I !8,11 I 1.1.............'1.............. I 311," I 1............'t..I'............. 1'.........t.....I.............. 1'...............1.............. I I 15," I 11,11 I I 11,11 I I I I 3&.1. I I 1215,'8 I I I I 11,11 I I I I I I I I I I I I I I I I I I I I 8,141,85 I 8,11 lm,1I 11,81 3&.18 5,18 \8,'1 15,1' 1155,11 18,11 11.118," , . '194 I of 'OIl Applo'14 OKI 10. 1111.1111 'Itll AppllCltlOD 101 OIIIIIIC' cmmCUIOI I 4111Ct ID4 10tbOlltl tbl COlplD' to Iltl tbl 411tllbotlool ID41cltl4 fOI I' ICCOODt OD tbl IttlCbl4 100.1 IlttllllDt ItltlllDt, IIC09DltlD9 tblt tbl COlpIO' II Dot 1III0Dllbll fOI tbl ICCOIIC' 01 '1IIdlt, of dllbolllllDt 1I00Dtl 01 tbl cOlplltlDll1 Df dllClolOll of Cbl1911 Ildl b, otblll, OllbolllllDtl lid I blllODdll III 90lllDtlld b, tbl COlpID', 'oDdl dllolltld Iltb tbl COlpID' ID cOlalctloa Iltb tbl Ilttllleat III aot blld 10 tlolt, lad loti lilt 01 Otbll '1lolbll coolldlllttoa II' bl IIIDld lad Iltllald b, tbl COllla, 00 locb Ilttllllat foadl I bl'l CIIlfoll, II,IIIld tbl IDD-t Ilttllleat Stlteleat lad to tbe bllt of I' kaollldll lad bllllf, It II I tlOI lad ICCOlltl Itltlllat of III IICllptl lad dllbolllleatl lid I DO I' Iccooat 01 b, II 10 tbll tllallctloa. I fOltbll clItlf, tblt I bl'l Ilcel'ld I CO " of tbl 100-1 Ilttleleat Itltlleat, ~~ t~ 0 !)jOt' hJ 10nOlln 1441111 14dllll lbl BOD-I lettllleat Stltlleat Iblcb I be,e IIeplled II I tloe lad Iccollte Iccooat of tbll tllallctloa, I bl'l CIOlld 01 II11 CIOle tbl foadl to bl 411boll14 10 Iccoldlace Iltb thll Itlteleat, ..,..-:/:!..~"'t'.t';III. lettllllat 111 at DltI /,;-9'''''' I , 11IlIlGI It II I cllle to taollall, like fllle Itlteleatl to the Daltld Btltel 00 tbll 01 la, otbel 1III1II fOIl. lealltlel 0100 coa'lctloa cia laclodl I floe lad Ilpllloallat. '01 dltllll 1111 'Itll 18 D.B, Codl Ilctloa 1111 lad Blcttoa 1II1. . lOll 111 (Re" 11/11) "C 'OJ Q. ~~ e.... ~~ " " " " " " <(00 , , , , , , - - ~ iii iii c.- c.p Cl) ,- ti ,- III -... ocl) ocl) -cl) e ... e ... 11l~ 'C Q) 'C Q) C.e c.~ c.~ '0'-;- e e e ' ,- , ,- :E"C 'i:: III '<t' 0' III c.(') ococo Ill'<tlll 0 '<t " l1le (') . CO '0) III .... Q.11l . '00 ojN . Lri.... . 0 (') ... ~.t:l 000'<t III CO Ill'<t'<t oj cxi oj e III '<tOO "'0) co COO... CO 0 ~ ::l ::l CO CO . CO 'CO 0:I: . .Ill ui'0l .. "NCD ... N E "'coco N...1ll -t...N' "...... ......... <(00 ...-- (I)o~~ ...-- ol/lo ... ... III W 1= cl) 0 ::i e 0 iii 111 0 0 0 0 0 <( iii c:i 0 0 ~ 0 00 c:i c:i c:i ::i 0 III " " ~ N 0 III " CO 0 e N' (') CO , ... , , '<t ~ . ... ... ::l ... U ... ... ... ... ... ... ... cl) ~ l1le 0 -t "Co 0 CO 0 0 0 '<t " 0 ~'- c:i 0 11l1il l'i c:i ~ ~ (') ... 0 cl)'" 0 III oj c:i 0 N 0) III CO 0111 oj N " CO CO 0 N 0 eCl) ... N' ... ... N N '<t I1lUl ... N iii.... ... ... 000 ... ... ... ... ... ... ... ... c. cl) :c el Ul 111 e el e ;= t:: e 0 {:. 0 0 111 Ul 0 , c. ';:l cl) e~ -I t:l::: E e e iii ... eel 111 't: m cl) 111 0 wl1l 0"C <( u.... 0 "C .. ~ u.el -Ii:: <( . 'OJ .c c. <( ~ '0 ~~ 000 w 3:c. l- E ,5 cl) z~ ...: G3 ... ... :t: .cl) 111 C. U [j~ Q.1Il D- UO: e :t: 00 en ~ 1\pprai.sers & J\na1ysts UNIFORM RESIDENTIAL APPRAISAL REPORT Creek Drive City Mech&1icsbw:q 35~e BB2 10-16-1060-059 ." . ltata PA ~ Cod. 170!?5 C"'!'!oy CUrti:Jer1,!M)CI u <a,98-99 RR. Tu!'.L$11.00 .s~jal~on...~~~ .. Richard/Lori EstaciQ Cl!<!'I'!".LCK~~'r_D_T.~on,_C:Ly"onL -1'roJ"lJ11'! n ruo n C"""omlnj",~IIl!IIl.ry".onllJ ___.!lllA' ~O=._.._.. ...!M". ~!'~l'!!~m". 1.9-1!i.::1Q!i9.::Q!1~ ..s'.."'.T",! ._.9113._._.____ Dac.n9!~~ S amount oJ~ 'h!rl~/cO!!f~~!~~--'!l.Jl!._J'll4..b)'.~~l!LN/1\~____.. --~--_._---- Add,.." 111 tlQ!:th Fl.!,'J~f!treej;.I_Qarrisburg,_PAu...__ d ." 35 2 st S 01 rndomlrwll !Unll. ramlly hOWlln, rmmlland UN , !.and UN chlnl' "''''ran<>' PRICn A<lB 100 nil 0 1(000) u<n) OM r...", __ LAJ lIot Uk.l, l.!kll, _~Q..I~w_5 '''''unlly Dlnpmcftl !QO 1II1~ 7.0 M.Ioj.f...", __ T., ITIIu~om;;[U Commercial 155 15 u .llhloo"'* Of ....10<1 II.... Creek ViE!\'/' N/A Data .rs.J....NLA Richani A. E~!o erII o [XJ luburban Rural o Ovlr11S DO ~s.1IS D Urd..~IS 01llWlh rata 0 Raplol DO ltabl. D I"'" I'Ioporlj' ...... D 1......In. [X] ltabl. D Da<lI"In. o.m.nd/lVpplyD 5holU" 00 In tMllan"O Ov., IUppl)' . &tin n Under J IMI. fXl ,.6 mOl. n Over 1\ mot. V.rant (onr ,,, NotlI: Ra..~ and \bl I'KIaI tompolhion o( the nll.hborhood are not Ippnlaal (llCtOn, 1I.llhborhondbourd.n...n4,ho_riotl,,: _~ view is 1ccated ~ O!;:r'S Br~ R~~La!l(Lttt~.1!I!'\"-~.!U 'ltIe devel t is in l!!!!r{xIen TaoInBhi..p- an(LCyrrbe~~ Val1~ School Di.!!.!+Jpt. PKton IhIl atfec\ the ma.....lahUlI)' crill. propcrtlea In the n.l.hbotbooll (prodmlty 10 employmmt and ammillet, employmcnl...blllty, .ppeal to m.rk'l. ew,): .TPe f!\1bject is lc:cated in 11. res.i.denti,{l,l area of ~ 'l'cMnBhip'. '11le ~ varJ,CllS style hares of calstruction and corrlitia},. 'ltIe na.ior ~l9Y!rent center is Ilers~ arr:l ~litan area. All of the arrenities ge a 10 ~j:e MafbI c:ODd.ltkN lit lb.tubJed nel.bborhood (includln. .upport ror lb. ,bov, c:onchuloN related to th.ltmd or property "lluea. dmund/.upply, and mlTkcllnlllm. . . .u~h.. dill on compcddv. proptrtia rOt..le In lb. nel.bbotbood. ducrlptlon or th, prcnlmce or ..lea and f1nancln. conceulOftl. CIC,): Overall market carlitioos are OOI1Bid stable rrorI:qaqe interest rates are available at 6% to 8% f~ for 30 ~s. tine arr:l derran:I 1 are in line for similar areas in this rrarket. New c:ontruction activi is mxlerate. No adverse rrarketabilit nei.9hbar1lOOCi factors ~ t In to note is that no sales have taken place in Creek VJ,ew in over three s oc e Proj<<t InI'onution rot PUDe or .pplable) . . r. th. dcvcloprrlbullder in control or th. Home Ownrn' AMoclalkln (HOA)7 Yea Approltlmlte total nwnbcr o( unltaln th. .ubJect project N/A "!'Prodm.l. total rumber or unlll rot ..I, in the .ubjrct projcn be mll .1Ion. Ie Iltlet' A D_.... 1 6 X 16 T...."ph, sl~ to level llta.... 29.392 .49 1\cres C.m..u.t [X] Y.. II. II.. aver~ lpe<1fto 1Oftin. 1I...In"d.. ord dlllnpllon Res.L:lentiB1 Shop' aver~ ZoftInt compliance [U Le,,1 D Leall nonconronnln, (ott.ndrlthered UK) D JIIe,tl D No lanln, Dnllw" avera~ I hat" bat un u 1m toYed X Pracnt we Other UN url.ln View gcxxi UtWtIee l'ubllc Olher Off.Sh.lmprovemmUi Type lAnd~JlInI average _IOY 00 S....I rracadam Om...,lu<(.co macadam 0.. D Curb/,uner curb ^"rermt eucmenll nc:ne noted W.ler 00 Sklcw.1k FEldA Special Flood Huard Am 0 Yn lU No lonIwy"",,, 0 I""'''.hta pole JTOl/1ted FF.MAZon. Zooe C M.pDa.. 2-15-7B lID ""'. X A" .. lA hi. II.. 420360 A CommenlI (aw-renl.tVCrM euemmll, mcrMClunmll, .pcdalllltUtnmll. .Ude llUI, lIIe.at or 1e,lt nonconronnln, wnln, w., ctc.): No adverse l'lIIllarents. en::roachrrents or special aBsesBltellts noted at t.itre of inspect;ioo. II. N/A 1 1 1 mUIIOATIOII I~b _~ Cn...1 Sreet No 1I..,mmt Ml/Flnish S.mp Pump t/ale ~.w Ilom"",.. None Noted Senlemenl ~e_~~~- Inrellatlnn e FamJI.r..!.'!'.:.. ~,Rm. I\ft!roomt 1 ~ BASCMF.IIT A... Iq, n. 1000+ S FIn~hol 90% C.IlIn. ~ 1\calst W.I~ P~ Flon, C<', ~t Outiklel!nIl')No INIUI.ATIOII R..r Cellini Waitt floar o o o __0 None 0 lI"k".w"__ []i.] Fo er JJvln RXTERlOR DESCRlPnOIl Foundation ccn::rete Ext,n., W.l~ Fr~..LP . Roor Surf." AlS C a."." '" Dwnopta.l)1JlII1inum WIrd"W T,p' tP.Lh\ll1g l..nnll'..... ~sting . u. nut 0 DInIn kll~.hc.!'_ ---1!!n OEllERAL DESCRlPnOIl No, or Unitt 1 No, or Sloria 2 Typo (lld./An.) Detached Call" (Ityl.) Traditialal E>o~do./I'ropooed Ex.ts~_ A.. (y".) 12 1 1 . --'..5 , na~_ -.!~!~...!L_ ~~L- _^re!.~i\:...tL 1 J,OOO:!:L=- 1,~Q9 ____ __ _-1611 1 3 , -~ Iahtd I abcrre.-.de tonlalm: 8 Roonu' 3 It<lrnom' , 2.5 n.lhl' 1 968 !i lllre =ccln(O nn Jvln . INTERIOR t-hleri.b/Condhlnn o FIoon ~, vinvl w.I~~l TrimlFIn~b~n Oaoh FIoo, Vj,mrl Oaoh w."",", .YiJurJ. o..nWooden IIr:AllNO KITCIIHN I:CJtfIP. ^rnc ^MHNITII:.'i CAR STI1RAOI:: /l\ye Type He.1l.t;_~ R.rriO'"'''' [X] II"". D FI"p'''o{')'__ m Non. 0 /AVf3. Full El~i9 Ra""/Ov... [X] lta;n [J roll" ___ 1.1J 0.",,_.2 I.r can /}\~,.r:.rdhl".!'._!\yer Ilh"",,1 DO Ilropltal, D o"k [] A,,,,hod Yes.____ /!\vr3 cOOIJN<I 11I.h...b.. [X] ',~"I. [if] P."h_...._.. [] '''ta,bod No_.___ I.AVT3 C,.'ral _Yes_ I'onmood [Xl 11.., l-:=J I'm,.. [..I ".'10.10 No.___ .., 0- [. .J (".~" No. Ll\~ Other _~_ Mlcrow....e [X..J !luled ronl _ T. +~-..--- rnod ,I< :ver W..ht I) It X 'Ini.htd f ) "'CIU Mac Addlll....' r....roo ('pI<~I",,," ,m"..., him', ',""~I' _Ceiling_.faJ1B,_fODn'l1._cU!1ing_~Lfi.nishe(Ll~.Jevel,. eat~in_ kitchen. ________. ____._______4_ I Condtt.lon Dr \hI lmprovcmtnll. drrrecl.Unn fph)'lkal, tun\1Innal, anoJ clltman, rep.ln nttded. 'lualjt)' or ton'IN~llnn. mnooelln.'adltltlom. clc,: ~_are._ no ..-.. . .----. ~~a1._ OLfurctlooal.. OOsolescerce .._'l11e_subject . is_in .average _ corrliticrun _theootside as .Ji!!l1_~s_the_inside... __ .u_____ ......_.__..__... ____...__ AdVCrM m...ltonnuntl! cmlllllml (lUl.h II, hut n..llimil"1 In, hlll"lmll "'IIIU, 1.ldc lut..tann., tl~,) pl"rnl in Ihe imr,nvnnrnl'. ,1ft thf' lilt, lIt In lhr lmrn"lillt vkiml)' IIr Ihe IUt.jtll P"""l1J',.1lI;pI:aiser_is..notan.expertin.the..identification of hazardoossubstances or detrbrental _. ~ t tf1 corrlitio~.:r1'~"I~~m:~~I' ~.+~f~~~~rrl'Uvfttachoo ~~~rt of ~~/J1~,,,~~ 0.11 andlor V.rllkadOft S....... ~gJ_I--~~ttl_j'( l~ CPML sett18j!,Yl~_ ~_Sj;!j;tled[, ::;'1~ V....lla .lnnlSTMI!Nn nr~CRlnnON DJ1~.flt!M10N +. Ad ~~!l ---P:f:.SCJU!"nON r-(o) S Adh&ltmrn -ll!J~~f!!MlON +t.)' MIUltm!.~ S.I..r1'Ilwo<In. ..'<' .. 3 [(H: 178 IXM: 32 IXM : Conoaol... c.",;'... Conv. : Conv. : Caw. : In.....s.~m.. N/Il. ~/30/9B: 41J.7/9B: -I2L!W7: I.-lion Su1:A1l:ban SUI:m:ban: Subw:ban: Sub.u:ban: 1aHh.ldlo..SIm.I. Fee S~e_l-feE, SiJ!ple : Fee S!nple : Fee-S~le SI.. Aver-Mm Averaae: AveJ:E~! l\verl!~ VIow Avera9l'! Averacre' Averaqe' Aver;:~: b- on<! A_' Traditional Traditional: Traditional : Traditional : ~1-.IC....ouctI... Averaae Average: Avera~: Average: h. 12 20 : +1 000 23 : +1.500 25 : C",,",ldon Averaae Averaae: Averaae: Good : . Above arid. Tola! 8dtml tlathl TolIl Ildrtnl DathlJ Total 8dJt1\l Balhl: ~~I Odtml. D.tht ~ RoomCounl 8: 3: 2.5 10: 3 :2.5 ' 8: 3: 2.5 : 10: 3_: 2.~ OrouUvln.AreIi 1.968 Sn,Ft. 1800 Sft.Ft.: +1500 1,624 S...FI.: 3.000 1.804 Sq,F.. : Bucm...&flnlohol 1000+/- E\111, Part FUll, Finish: Ml Unfinis: I .-'11<1." o...t. Office FR None : + 1. 000 Rec: Roan : -1 000 None : I ",.etloo.1 UdUo. Averaae Averane: Aver''''''': Avera""': flu_tIn-ICODUn. HP/CA HP/CA"": !!pICA : HPTcii.""': En,- Emd...I..... Avera"'" A~a: Averl!~: Avera~: O.n-.I c....rt 2 car 2 car : 2 car : 2 car : Form, POU., D<<k, ~~tio Deck '-2,500 Cover Patio' -1,500 Patio . ,... Fi.-..nlace FI;:;;"'lace F~' Fh,,~lace I 0.... Pool,... Ncne Feoce '-1. 000 None : New Roof. HP: : : WiIxJa.ls new : N,."",,,,,,, ii,.i<' n+ n-:. 0 rJ(I+ f,-:. 2.000 n+ 11-:. -5500 ~::_~~7.Prl" 1'\?i"\~;:.I~.9<~~~i. 142 000 Ll.~. :::, 140.900 19j<~~:!, 141.500 COll1l1l~~ Oft S.... CompoNon (lnolwln. the .ub]'" P"'I""Y'. CDmpotiblll'1'. th, n.I,bborbood, ,~.): Due to the lack of sales in the subiect nei it was necessary to QO cut of the clevelcprent. Al:j.~ ~~J.LB!lJ.cs are similar to the subiect 0I:q?ertv in teIms of nunici~ty. school district,-desi,gn~le, size. locatiooal characteristics. arrenities. and narket ~l. J\dj~ts \oIere IMde where warranted. A ncxxl r~f ~ue was deteJ:rnined be~n $140,900 arrl $142,_000,shose a -ranae value of-S141 000. ~u SUlUErT ........- II 'IAI ..-.- 1lS1IMA11!DSITIlVAWB..,...."......"",....".., _, '15 000 1lS1IMA11!D RBPRODUC1!ON COST,NBW OF IMFROVEMllNl1. DwcUIn. 1.968 Sq, 1'10'_54.31.- -,---1Q~&1l.2.. Bsnnt 1000+/- Sq.l'lo,_:i~.9L- 16.930 ADPliA~ _ 3,QQ!t Oon.oIC'/1lOR 4BO Sq 1'10,--12.5.4_ - _~,9J9_ TotcI Ectlmclol Coo.-N... , , , , , , , , , , , , , , .. , , , . " - ,---.JJ.!!, B3l ..... PhYllul I functional I r~tcm.t llcpncletJon 26566.2 _,_~j,566.2_ llcpnclelcdV.Iuo.llmp.."m.....",."""",."",.. -, 10&,;1~~ 'At-lI' V.1IKoUI1.lmpronmtnu.,..........,...,.,.... . $ 2,00.0_ ~',"",VAWBBYCOS'''DDDO'MO ..... ..' -' 14j.265 ,~u -,- Cl)~!r.<\RAlIU! NO. I 1016 ~~ Cree 3603 ~lEl Avenue I.,y~ "SUbl"'~~S ';..' .. rr:S!m:9 1..1_....... L N/A ~,..' c._l4.~,]Q!.l ........'0_ Uy. M" , 0 .0 L-1!h~!!89 0-"" , COMMRAntll NO. 1 Datil, Price and Oat. .. File N., Qllr.r.D_7C; Commcnll Oft COlt App,..h (_b II, lOUn:e of Iht COlI ..um.II. ,1&. nhM. IqUAn fool cakulltJun and. for U\JD. V A and I:mll^. lb. IItlmated rtmIlnln. KOnOmIc lit. nf the property): __ __~3t~t~L.!l~t;.<;:I1.- ___~Ln!J1ID!ILi~gn-M<ix:sOOlL& SWift Residential cost \laOOIxlok MCi-ia;alscmces:-------------- F;Eii:. -~--~~ life- COMPARAlIlJj NO,' COM!'6!lAlIll!J!9.'__ 3601 Franklin Avenue 5253 ~~rcok Dr. ~~~ ~:-. ". . ..... "1-11[,900_ · ,1il,00.Q B5.5296 B LB1_~856 [] .... - +2.0!.l!l -10 000 +l,~ +!,]Q!l C'O~!PARA1U.p NO. '2 COMl'ARAnlJi NQ:J._ s.u... roo pri....I.. N/A N/A N/A N/A wlthln "eu of Inn,..I..l AnaI)'liI or an)' C\lITern ..recmmt of ..Ie. oplion. or Illtlnl of the luhJel\ rmpert)' and an.I)'.I. of an)' rrior ..Ie of luhjcI.11nd com(lltlblCl within ana )'eu of the dlle of '1'1',,11.1 : None. '!he prcperty is not o.tp:eIltly for sale. c-oc- IIIDICA11!DVAWBBY11IBSAlJ!SCOMl'AIUSONAFPROACH......"""""" ..""",.."".." "....""""",,,,,,,,, 141,000 INDICAl1ID VAI.1IR nv INCOMH APPROAClIIIr Annlk.ble\ r....llm.'td Mukcl Rent c Rnn_Ql;,n 'Mo. II Om.. Renl Multl..Ucr 17t;, '" ~ -140 -000- ThLllf'Ptllaat II mtdc 00 -u bO 0 lubje(t to the rer11n,lhtr1t1ona,lntpectloN,or conditlOluUtltd below D lubJecl 10 comrlellon rer rlln. and .pedn':lllnn., C",,",idono.1 Appnlo.l: See I!ttC1cJw9...?P'9.1;'!LG.on:lj._tJ.9!1s..J\l:!d.ElOOllI1LI!!~tAj:.a,~\:'- of Lilniting,Conditions '--~- All smij,l,!!"nt w~nts_~_in ~!g,I)~LC9rxij,t:i.OIJ,_unl.e!J!J_.hEl!:!'!!!L~ted--------_. Fin.1 R""",Ulotl.n : --'!he_ Cu]l.""d!lQ!l_J\ftlJ:OCl<2.h,_re.i.!!fon:~L by_the_Cclfl'!:_1\ppI;p<l.c;:h,-PJ:OIT.ides - e....9ocxl --.,---. .._--- JHl_ir:-{\j;,iO!LQ~Jset \'<4ue_,-~qs.,,-$!.4J ,_00Q....fpLVJU.1IEl.!-Ren.1:.cIl_yaJ,I!El_iELestinated_.at_$BOO-per --.- f m:nth. The purpoH orthll _prnlnl II to Cltinutt: the mlfket ulue of the rrlll'ropt'rt)' thlt i. the lubJcCl of thi. rqtnr1, bIud on the lbove condition. and cCflln\.alllln, conlln.tnl and Iilnlllnl wool. dona. and maRt! value definluon thallfc ,laIN in the attached Fttddle M.c flann 419/rannle ~he Fann 10048 Uleviaed J?L2.f1_). I (WJlJ ESlIMATB 11IB MARXETVALUE, AS DEFINED, OF TIlE REAL PROPERTY 11lATIS TIlB Sl1IllECT Of nos REI'ORT, AS OF _l\ugust:._~~Ll9!:lB___._-- . =~~W~~~/~m=EDAlBOF~S:=:S~~~~;~\~~!~lf~~): n_[J IJ~ [~~)~ Nul . t!~!_~_"..W..__Greg. , OCIM_.. .Nlmc.______ ___..___... _.____ - In-rC'dl'w(lC'I1)' Pllll!.Jtrptlrt~!ln~_J\l.lguBt__J 7, 1998 Ilalt IIrrm1 Silnrd ~~~rc!1ln~alllJ" '.. GA.-O_0145S":,,L Sllllr.. PA SIll' l"rllirhUnn' pr..S"'IC: lJ.:cnu' Slltt elf Slllt I Jmut , J:mh.lic ~t..: hmn 711 ~.IJ' 1'^fiL ~ 01': IAud'unn Snll.....''t 11) l>^" 1I,-'iI:, ISI' \>'1 IlJ~).j Slllt Stilt I'lInnitMlt l'ulm 111114 l'IlJ' I 'l..~._.._.' d~~i~~~orhood Map ---...---..--------.-- .. 1- f- ~ ~~ i .jS~ . ~ z 11''' 1 t.~,,,,,; ~ "\ 3 t t..El'l" \:I f~~ ~ ~ t ~. .,} ~~~~ ...,~~~ .,~... I ~ :: \\ '", HLLc,R.,rRo."rJl' ". 'I MOUNTAIN VIeW" tMON\O~O\ i i ~ aouvt.NlR 11 NORWICH -- -'--~--.I,.. .,~ ,- \I ~~ \ .. .<-l""~,.." - , "'t.....v- OHlOll1ONLN Ii cO'.'ttflRY LH \" ~ ~ " -.~ \73 13 ~ i Fon",L 11 PINI!HYA~T WAY .fo-~<("~ 'b~' o """," \", -~ "~3 . ~ 3 11~L\IN ~ 61 ~'E..' J: ~'rWINI" f " .' ""'\INTr"N\jIE~RO &ELTZE. -'e; ot.f~~~,~~~\L~ l, LIYLANO \~'r ~ \ ~~V"(O"1> ..n\oIlJ'l.L~ . t.;.J~~, ,~t.. \\ ~ i \:, a:;~"~ \ stN'~~oOood Hope~I'~;"~\l,~'" ,\~ ~ ~ ~ , ' ~~~ . dI'" !/'!, ~ ' \ ,~' ~ '13 ~ ,,0' ~~h ~...'" 0 'dH < /~ !\I' ,"'~ ',\ '"J! ", ~r~~,c;.."" ubj~ciPropenY"lh ,~-~ 00 ope Mill j", ,,~OI.......ew 'q ~ ~~~' _ ~ \ I C>'~".. ,.#-, 'Po 1""".<:>P1 ~\ 11 11 '; ", ' d"J:. IJ':! "~I-1h' \ tuOolvl'o \, ~~\ ~~' , ~iOOEw 'I , , , 3' ,~.' ~ \" . L ,,"001, ~1, \ ~, ' .' \ &uJ 'i \ \~ 91\00 __"If. \ ~ ~' I '~ I" $/ 1;/'~ '~\ \"i cc"8,"\l.'1lmparablf 2 "t.f: ,\~ .' i I ( # '\ "-i$'~'" 'L,?-.;~ "...\ \comparal1l~i'Ii. dOr.i, ~ ~, oIl;:"~' I \c!!\"\Qi\"I'~\ ..."'" :'\!IIi.a... ,....., ' \ " \ p~? "1""~,, 'c ',%-I ,;;,~ \, ' ' '. '~~'''fable 3 '. '" '\ '~~RUN ," " ~~' "."~.. (1r'~ I 't ~ 'lS,-,'\'\ \ \'f~~IN' I "\,,,'i \ . " . 'BUL""'" ~. '~~, ,,\., ,.~ ~'~I'I"d-!"''''' I, , \ ~\ .3':#~t. ,1lI('DL!lN .......0,t".."l:I,. 11 ce'i, , c.~.. ''\\\..~ I '0 \'~ I ~:..# \q" s: ~G~~\ ~10\ \ I ~~ ' 'j!;\ ~ '\ ~ ~~ I:a\ ra \ III \ ' ';: TA ,;~"9-' 1,( \' \ ,\ ~~t.~~ \~\ ~ ",\0 \~~ i \, \1 ,,( " \ ,i' ,'I. ! '. ~(l ..""OOTRO ,\ \ ~G'" \'t.\ ' /'I! ':\\ 'i o^""OOO\ ~..~ \ ~~ I ,"1>-, i\,i\\\./ '\ ~'f~Q'P,'~'9> "" ~ {~.\cetJ..,..~~~ '~\\... I \ " ~ ,\~.c:.y,,' '~ ~A~I ~ \w >l\~' \~~\\\i'-.." ' ,,'.._\ \"'~ ".pJ~", f:,II'.s, '. \'ir~, 'i W~~.R", ~" '~' , ? '\ '. J -JJ, i 'IEt~>~'i!'.' i: "~''V~ \ 'IV ".$!\ wen ~\"~",,, c1"-'''l/: \~\ >ro: '"" I .~' : ,"9'/' !,.~~,,~ \ \\/'.~'~ \ ,~~C\!~..o \ ~~~l'O f' ~;;',,~.i~"'~~, It' 1f'f1" ~O," ... Iwg \ \ 'C\ '" ,,,, ~. '<Po :'I"'~"" '" \ I dol"''''''''' " .....~.,.r '! ,''I''\!i.:1''D (Ii<, \ \"'~1le,.. 'PI ,01/", ~.''cH!-O\t.i.7' "'3 ", IC,..c~ ' , .J1" I (IV ~ . , Q:" 9f.~\ $'\ , .~ \..~c()\.: ~" "SIIVBr Spring MBBting HouBe ",' " ~ ' 'l\~' ~(O;.~\ j ',' '; "",~\ \ ~ : " ,~, L' ~I "'iO,. , Q~' \. BEOFORQ-"I .>-'{ \ : plQ'-l'S', ~~<lo.. ~o.. -~ .....I'(THO~ 1 V', \ I / \~ .y' "*" 3 w~U\ "f:~ !.~ ~"t, 1> CfJ'LISl,' P,'" ' ~\\E' I " I, I OCAA"'LEP<I\t, .~ ~, "t.:i' ~;, (10' .~i'" ,~:I.T!<\j.1~ I~SPOrtlngHIIII ~~. ~\ 1!.'\\o'~' '~'., '" '. ''I'' I .... 'rf;,....<Jo,~\. " , .7- "" I . ~,.._ E ~.'h .!!'~ ~ _,,~~~ __!60 __1. ..; .... . - - ! U~,~.. l l . '4l.4nH ~~ .wBURN ' {' r " \, \ ~ I G""'~'li"" ~-122ll~JAn.llL.:'i!r~~ ~l!!_!_1l&\._ .. Mag 14.00 'c..I...A.__..........'1_tMIlI i Scale 1:31,250 (el cBnler) ,~ 1_ 1'1 f.~T\' ,.... C"nIV pl,!.ir".: ' 1'\. ~/~~ i; .., :<'V,IA\)tIWr....rrH 1)1 PHII~m\'!,:.II'. -:: . -, ,oW. \ ~: ;~ ~i:~:~;:'~:~:l:~;:~:~ ~t.~;,W;;';:~;:.";:.';;-:I~(":. '~~h~ ~e~h, "i.'i;"(4'7S;O~: .:. I'.C'ii';" MADE the L\U- ~ .._D .. i 1\ I In the year nlneleen hundred and ninoty-one day of (1991). BETWEEN DAVID C. COOK .nd CHRISTA M. COOK, hi, wife, of NothAniclburq, Cumberland COlmly, F'unnsylvani,a. parUlis of the fl"t pHt, herei..tter ruferrad to .. the ORANTORS " iI AND " ~ICHAr,D A. ESTACIO .nd LORI n. (STACIO, hi, wife, of l~lddlulDwn. DAllphin Counly, PennsylY~nia, parties 01 the $econd p~rl, herein~tler referred to as the GRANTEES WITNESSETII. That In consideration of ON!': IIUNDRED ~wc:t'l\"lI-5E\lEN ~lI00SAND l'IVE HUNDRED AND __________________________________ ( $127 . 500,00) _____________________00/100-- Dollars. in hand paid, Ihe receipt whereof Is hereby acknowledged, the said grontors do hereby grant and convey 10 the saltJ granlee 9 I " AI,L , " THAT CERTATU tr~cl of land sitUd.led III the To....nship of 11~lllpden, in Lha Cuunty of Cll~lb~rland and Co~munwcJlth of Penn5ylv~nia, bounded And tlescribed ~s tallows, tu w1tl " Ii " [iEOtN~HUll At an iran pin on tho southern dedico\ll.'d riqht-of-way line of ~e)rcrdul UrivB At the dlvidinq 1100 hotween Lot "' and Lot IIB~ Ilor~in descri~ed, said pin atso beil\g located ~ dtstancu of 07~.29 het cast nt the dedicatl?d riIJht-of--w,l,:/ line at CopPQrcrce~'. Dri\leJ thence by Lhe southern dettiColted riqhl-ot-w.-y lino u-, Bearcroe~: Ddve~ ttle follawinq threo Co"rses and distJnce~1 . t.n " ;._l ," r:J :11 ;i,lfl 1"11 If I 1'1 .("".) ~;ti I,.' \':1 .. " :,f1 . 7" (, .. f C> '" '" " ....' :O~ r i "I,., ,,' to 'n , " .., ., ,. I' " J) South ~~ Jcqrees 10 minlltes~OO ~e'onds Elil I di~t~~tC uf 9.70 fetlt to cJn iron pin I! r; Ii , I! " , II " \: ~) bl 1 cur\'1:! to tho riqllt h..\vtnq .\ r.adius I.1t J2S.00 fu~t "nd .tn HC dibtance at 1<<16.911 teet to an iroll pin J) by J, t:rllY~ to tho riqht having ~ radllls 01 :::~.I)O fuel and an olrc dlstalll:e of J8.30 teel to oln iron pin, 'i , " S;\IJ pin biUn!) lhe southern terminus of ,1 ~~.CJO fel't r...Jl~\S curve cOI\llectlnq lhc 5011lhc,-n Jcdlc~ted I-Iqtll-ot-~JY line of ~eal'cree~ Drivu to lh~ north~"n deJlc~led r~qtll-of-w~y line uf CrystJl Cree.: Circle. Ttll'nct:' by ttH' northern dedJCJ.ted right-ot.'way 1111e at Crystd1 C,'ee\.. ~P'6K\~ 35 pm 882 , " :, --.---- I I I I I II I I , I ..-.-.-' - Circle. by I. curvp. to the left h.-vina A r.diul or il~.o~ f,,.t lind Ion Arc distAncR 01 i~Y.Ol feet to Ii concrele manu",ent at other il.ndt now or fnrmerly 01 ~la"'v'l E. Grandon, ~lr. Thenc. by UUf '''IU, North 29 dvqrs.. 00 minutel 00 ,econd, Wilt a distance of BO.OO f..t to an iron pin al Ih. dividing lIn. b.I...n Lol 117 ..nd Lol liB. Ih.nc. bv lAid dividing lIn.. ~lorth 61 door... 00 mlnulDl 00 I.condl East. distanc. 0' tOQ.B6 f..t to an Iron pin. th. ploc. of ~EOINNltlU. EIEltlU Lot liB, ~Iod. C, .nd conlolnlnq ZI,JOO.ZZB louar. feel. And b~illg IttbJect to a 20 feet wide 'I.nllary .ewer and dr,,10'9R "'lmHo\, '" thown on FinAl Subdlvhiun f'lAn lib, Crel~:vlew, record.d in f'hn ~oo~. 4~, Page 60. ~EINa \he I,,~e premilQI which ~'ef1 D. Seu,lov.r, indlvidU,,11y, by dnad dated June 1~, 1986 and r.corded in th. OffiCI 01 the Record.r of Otteds 1n lind 10" r.umuerl"nd Cuun tv in Deed lioak Y, VOhlllt1 31. f'l.QO 7JJ grAnl.d And conv.y.d unto DAvid C. Cook ond Chrilto M. Cook. hll .11.. Grantor. herein. UNDER ANO SUBJECT, n.vorth.E.... to all condllEon., r,"trlcllon". ealoment. "nd riglltl 01 WAY of prior record. Township at )I C'-'--7 Cumb. CO,. Po .-t" Roal Elle1elronlfer rax "0 Dolo /) -10 'tI AmL (" J 7, ~- " . ';")" '7 ' L' I"-r'tl.f' .... _(..~_.I..UI Cunlb, Co, dlsl, Cui, Ag(.',.?;; '11tec.-.:l~. /u. School 01.1, Cum~, Co.. Pn, _1'''' nOlll1'llIFllrt'l",.I"~ T,., ""V ", >-/o.fl / -:>7.-l..- Dolo AmI. .1::>--'-'7""" ~ RrI,,j-:f.__2~) ~r:~.Col''''Llt. ..~ I . bOOK k. 35 FJ.CE 883 . . .. , RSR t:'" , ~ INVOIn: AUllust 17. 1998 Richllrd Eslllclo III North Front Street Hllrrisbull. P A 1711 0 AppraislIl: 1016 Crystlll Creek Drive Mechllnicsburll. PA 17055 Our File /I 98WGR-25 RSR Tllx ID /I 23-2468209 . Tullll Fees: $2~0.OO TOTAl. AMOlIN... DIl.:1 S2S0.00 Pleall! make checklllayable 101 RSR APPRAISERS & ANALYSTS P.O. BOX 188 CAMP IIILL, PA 17001-0188 Thank Youl 1'.0. BOK IHH . CII 111 (I II ill. I'A J7lJII-OI88' Phone (717) 763.1212' Fllx (717) 763-1656 . , . , DEFINITION OF MARKET VALUE: Th. moo' "ob.bl. price which. prop'rly .hould b,lng In . comp'~llv. .nd op.n mark.. under ,II condition. ,.qul.lt. to. f,I, III., thl buV" end ..1I.r. uch Ictlng prudlntly, knowlldg..bIV end Illuming thl prlcl I, not ,Uloted by undue Idmulul. Implicit In 'hi. definition I, thl con.ummltlon of. ..II II 0' . Iplclflld dIll and thl pilling of tltl. hom ..II., to buy., under Gondltlone whlr.by: 111 buy., end ..II" .r. ,yplcllly motlvl'ld; 12. both pertl.. .r. Will Informed or win Idvllld. .nd lIoh lotlng In whIt h, Clon,ld,,. hll awn bullnl.rut; 131 . rll.onabl. lima II .Ilowld far Ixpo.ur. In the opan mtrk.l; 141 p.ymentl. m.de In I.rm. of c..h In U.8. dollare or In larm. of tlnanclll '''Ing.m.nt. comparable th.r.to; .nd (6) Ih. prlee rapr..."I.lh. normal conald.rallon for Ih. prop'rlY aold un.ffact.d by ap.cl.1 or crlltlv. fln.nclng or ..Ia. concllalon.- granted by anyone a..oelaled with the III.. _ AdJultm.nt. to thl compa"brll muat be mad. for ep.clal or crllllve financing or ..III concalllon.. No adjuatmenta arl n.e....,y for tholl coat. which Irl normally p.ld by IIII.ra a. a raault of tradition or law In I mark.t ara.; tha.. coata ara rlldlly Idantlflable .lncI tha .au.r paya tha.. co.ta In virtu Illy all ..III tranllctlona. Sp.clal or cr.'tlva flnlncing edjuatm.nt. can bl mad. to th. comparabl. proparty by comparlaona to financing t.rma off.rad by a third party Inetltutlonallendar thai I. not alrlldy Involv.d In thl property or trtnllotlon. Any adJultment .hould not be calculatld on I m.ohanlc.1 dolllr coat of th. financing or conealllon but thl dollar .mount of any adiu.tmant ahould approxlmata thl marklt'e rllctlon to thl financing or conellllona balld on Ihl appralllr'a Judgmlnl. . STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: Th. approl.ar'. c'rllflc'~cn 'hi' .pp.... In tho approl..1 "pCrl I. .ubJ.c, 10 thl following aondlllon.: 1. Thl .ppr.ll1r will not ba rllpon.lbl. for maU.ra of legal natura th'l afflct Ilth.r th. proplrly bllng apprallld or thl tltll to II. Thl appralllr a..um.. that thl tltla I. good and markatlbl. and. th.rlfor.. will not r.nd.r any oplnlonl about the tltla. The prup.rty Ie .ppral..d on tha billa of It baing und.r rllponllbl. own.r.hlp. 2. The Ipprllllr h" provld.d I .kltch In the Ippralul rip art to Ihow ,pproxlmlta dlmlnllon. of thl Improv.m.nte .nd thl akatch la Included only to ...llt tha read.r of the r.port In vllulUzlng the property Ind undl"t.ndlng thl Ippral..r'l dltarmlnatlon of II'I .In. 3. The I~pral..r h" IXlmlnld the Ivanabl. flood mlpa that ere provided by the Federll Emergency Manag.mlnt Ag.ncy lor other data eoureaa~ and h.. noted In the apprallll report wheth.r the lubJect all. II loc.t.d In an Idenllflld Splelal Flood H.zard Ar... B.cau.. the appral..r I. not a .urvlyor, h. or .he mlkll no guarlntll, axp"" or Impll.d. r.g.rdlng thl d.t.rmlnatlon. 4. Th. apprel..r will not glvI tllUmony or .pp.er In court b,c,uII he or ah. mada an Ippral..l of th. prop.rty In qUlltlon. unl... Ip.cltlo a".ng.m.nll to do ao h.vI baan mad. beforah.m.. 6. Thl appralllr h.. IItlm.tld tha valu. of thl I.nd In th. oo.t Ipprolch at It. hlghllt .nd bllt U'I .nd th. Improv.m.ntl at thalr contributory v.lue. Thill ..p.rat. v.luatlon. of thl land and Improv.mlnt. mUlt nol be ulld In conjunction with any oth.r .pprellll .nd .,. Invalid If th.y are .0 ulld. 8. The appraller h" noted In the .pprallll report any adv.,.. condition. tluch II, n"d.d repalre, deprecl.tlon, thl prll.ncI of hlnrdou. w.at.., toxic .ubltanclI, Itc.1 ob..rvld during the Inlpletlon of the lubJ.ct prop.rty Dr that h. or .ha beeaml awarl of during the normal re..arch Involv.d In performing thl appralul. Unl... oth.rwlll .t.t.d In th. apprallll report. th. .pprlll.r h.. no knowl.dg. of any hldd.n or un.pp.rlnt condition. of thl property or adv.r.. .nvlronm.ntal condition. (Including the prllene. of h.nrdoul Wlltl. toxic .ub.tanc... .tc.1 th.t w~uld make th. property mOil or I... valuabl., .nd ha. a..um.d th.t th.,. .re no .uch condition. and makll no aU.llnt... or wa"antl.., Ixpr... or Impll.d. regarding the condition of thl prop.rty. The eppral..r will not b. r..pon.lbl. for any .uch condltlonl that do axllt or for any Ingln..rlng or tilting that might bl rlqulred to dllCOVII whlth.r luch oondltlonl ..I.t. Beeau.. th. 'pPlll..r Ie nol In ..p.n In th. field of Invlronm.ntal hazard.. th. apprll..1 report mu.t not b. con.ld.rad II an envlronm.ntal ......m.nt of tha property. 1. Th. Ippr.l..r obt.lnld the Information. ..tlmatll. and opinion. that w.,. axpre...d In thl .pprelul r.port horn .ourea. th.t he or eha eon.lderl to b. "lIlble .nd blll.vII th.m to b. true .nd CO"ICt. The .ppralllr dOli not ..Iuml r..pon.lblllty for tha .ccuraey of .uch It.me that w.r. furnllh.d by other perdll. 8. Th. .ppral..r will not dl.cloa. the cont.nll of tha apprlllll raportaxc.pt II provided for In the Uniform St.nderd. of Profll.lon.1 Appr.ll1l Pr.cticI. 9. Th. appralllr h.. bl..d hi. or h.r .pprellll report Ind valuallon conclullon for an appral.,1 that !. lubj.ct to ..tlefactory compl.tlon. r.palr.. or .Iteratlon. on thl a..umptlon thlt compllllon of tha Improv.m.nt. will ba perform.d In a workm.nllke mlnner. 10. Th. appral..r mu.t provld. hi. or her prior wrltt.n conllnt b.for. thl l.nd.r/cU.ntlpaclfl.d In the appral,,1 report can di.trlbut. th. appral..1 report (Including conclullon. .bout th. property v.lu.. th. .ppral..r'. Id.ntlty Ind prof...lonal dlllgn.lIon.. and r.f"lnell to any profll.I,'nal.pprallll orglnlutlon. or th. firm with which th. .ppral..r I. I..aclatedl to .nyonl other than th. borrower; th. morla.gll or Ite ,ucculore .nd ...Ign.: the mortgage Inlurar: conaull.nt.: prof.ulonal .ppralaal orglnllltlon.; .ny It.t. or f.der.lly Ipprov.d fln.nclalln'llIutlon; or any d.partm.nt .g.ncy, or Inltrumlnt~lIty cf th. Unlt.d Stat.. or any It.t. or thl Dllulct of Cclumbla: IXClpt that tha l.nder/cll.nt may dlatrlbuta th. prop.rty dllcriptlon IIctlon of the raport only to data coll.ctlon or "porting ..rvlc.fl' without having to obt.ln th. apprll..r', prior wrlttln conllnt. Thl appr.l..r'. wrltt.n con..nt .nd approval mUlt allo ba obtllned b.fore th. apprallll can b. conv.yed by anyone to the public through advertlllng, public r.lltlonl. n'WI, 11111. or other m.dl.. Freddl. Mlc Form 439 6.93 Pag. 1 of 2 Fannl. Mil Form 10048 6.93 . APPRAISER'S CERTIFICATION: Th. "pp,.I." c..~111I .nd .gr... .h.t: 1. I hive ,...aroMd the IUbJtD' ml''''' .", Ind hlYl ..llolld . minimum of thr.. 'IClln' III.. of proptrtlll moet ,Imlll' Ind proalm,', to Itwt lubJlat p,uptrty for aonald.retlon In thl .,111 comp.rllon .nalytl. and hlv, mada I doUa, .dJut.mant whln l"roprll'l to re""01 the mark" ".otlon to thoel Itlme of .Ignlflet"f wart,don. If I .Ignlllotn. "Im In I oomp"'bl. prop.rty Ie IUp.rlot 'A. Of mort ',vOIlblt thin. thl .ubJ,ol prop.tW. I hlv, mad, I nagltlYI .dJut.mlnt to ,.duce thl ,dJuI'ld ..III pnca ot thl aDmp."bl. Ind, If . ,Ignlllo.nl Itlm-In I aomp.,.bl, property I, In',rlor 10. or I... favor,bl. thin th .ubJlcl property, I hi'" midi' pOIltlvl .djuttmanr to Ino'.... thl ,diu".d ..I.. prlel of thl comp.rlblo. a. , hi'll 'Ikln Into aonlld",Uon thl '.otor. 'hit hlv, In Implct an Yllu. In my d.v.lapm.nt of the .Itlmlt. of mark.t Yllul In th. Ipprlllll report. I hlv, not Imowlngl" wlthh,ld tny .Ignlllc.nt Inform.tlan from th. tppr.11I1 r.part and I b.lI.ve. to th. bllt 0' my know,.dg.. th.t ,II .tatlm.nl. Ind Information In the .ppr.llll r.part ar. tru. .nd corr.et. 3. I...t.d In the .pprll..1 report onlv my per.on.l. unbl,"d. end praf...lon.1 tn.lytl.. opinion.. and canclullon.. which Ir. .ub"cl only 10 lho con'lng.nl .nd Ilml,lng .p.clll.d In Ihl. Icrm. 4. I h.ve no pr...nt or protp.ollvl Int.'lIt In th. prop.rty th't 1. thl .ubJ.ot 10 Ihl, r.port. Ind I hlv, no pr.llnt or "alplotlve p.rlonll Inl.r..I or bill with 'lIp.ct 10 the plrtlclpant. In thl Ir.nuollon. I did not b.... .hh.r plrtl,lIy or oompl.,.ly. mv Inllytll Indlor thl IIUmlt. of mlrk.t v.lul In the .pprlllll r,pOr1 an the rle.. calor, r.lIglon, IIX, h.ndlotp, f.mlll.1 .'IIUI. or nallonal origin of Ilth.r the proap.otlv. awn.r. or oocup.nt. of thl' .ubJact prop.ny or of the pr"lnt own.,. or occupant. of th. prop",I.. In Ih. vlolnl'y of thl .ubJ.ot prop.rty. I. I hive no ,,,"nl or contlmplat.d future lnter..t In the ,ubJ.at prop.rty. tnd nllth" my curr.nt or futu" Imploym.nt nor my ccmp.nlltlon 'or ,,,forming thl. .ppr.lllll. aantlng.n' on the Ippr.llld v.ru. of th. proplrty. .. I WH not "qul"d to "port . prtd.tlrmln.d vllu. or dlr.ctlan In valu. thlt favart the CIUII of Ih. cU.nl or Inv r.latld ""'1, thl .mounl 0' .hl v.ru. ..Um.... the '"llnmant of t .p.elflo rllult. or tha occurrence of I lubllqu.nt Iv.nt In order to "OIIVI mV Domp.ntltlon Indlor .mployment for plrformlng th. .pprlllll. I did not bll. the Ipprlllll repan an I ,.qullt.d minimum v.lultIDn. . .p.clflc v.lu..lon, or th. n..d to Ipprav. . .p.clllo mortglg. I".n. 7. I ,.,'otm.d thl. 'PPIII.llln conformity with the Unllorm Stlndlrdl of Profllllanll Apprtilll Prlctlc. thlt WIt. Idopt.d Ind ,romull"I" It 'I thl ApPIII..1 Itlndard. BOlld of Th. Appfllul Foundation Ind thlt w". In pl.c. .. of th. In.otlvl dati of thll Ippr.,..I, wllh the ..alptlan of thl d.p.rture provlllon of tho.. St.nd.rd., whloh do.. not Ipply. I Icknowl.dgl th.t In IItlmltl 0' . "I.anlbl. tlm. 'or ..po.u,. In the op.n m.rk.t II a oondltlon In the definition of mark.t valul Ind thl ..tlmltt I dlveloptd I. oon.I.I.n. with the markttlng tlm. nol.d In the n.lghbo,hoad IIctlon of thl. rip art. unl... I have alh.rwl.. atlt.d In the ,..onomltlon ..atlon. e. I hive ,1"on.lI" Inlplat.d the Inl"lor and IXt"lor .".. of the .ubJ.ct proplrty Ind thl 'X1lrlor of all prop.rtl.. lI.tld I' oom,,,.blll In th. ,ppr.11I1 rlpCr1. I further clnlfy thlt I hlv, not.d Iny Ippl"nt or known IdYll" condltlonl In thl .ubJ.ct Improv,ment.. on thl .ubJ.at Iltl. or on .ny lit. within thl Immtdllt. vicinity of the .ubJlct prop.rty 01 which I 1m tWI" Ind h.v. m,d. IdJu'Im.nt. for thl.. .dvlrl. condltlonl In my Inllytll of the proplrty vllul to thl "U.nt thlt I had mark.t .vldlnc. to .upport th.m. I hive 11.0 commlnt.d about the Itt.ct of thl .dv".. condlt!on. on tht mllk.tlblllty of thl .ubJ.ot prop.rty. .. I ptr.onllly p"parld In conclullan. .nd opinion. .bout thl r..1 IItlt. th.t wer. ..t forth In thl Ippr.11I1 "port. II I "Iled on .Igrlflalnt prol...lon.1 ,..I.t.nc. from Inv Individual or Indlvldu.l(tl In the p.rformlnc. of th. .pprll.al or the 'Flp'rltlon of the 'PPIII.II "port. I hlVI nlmld .uch Indlvldual.t.1 .nd dllclolld the Iplolflc t.lkl plrform.d by thlm In thl "oonclllltlon lIotlan of thll .pp,.1..1 IIport. I elrtlty thlt Iny Individual 10 n.mld II qUIUflld to p.rform thl tl.b. I h.v. not .ulhOfI..d .nyont to mlk. chlngl to .ny It.m In thl "port; tha"fort. If an unlutharlnd ching. I. mad. to the apprlllll "port. I will tiki no ,..pon.lblllty 'or It. SUPERVISORY APPRAISER'S CERTIFICATION: II. .uporvl.cry .ppro'", olgn.d 'h. .ppralll'raporl. h. c, .h. c.rlllI.. and I""" thlt: t dlllctly lup.IVI.. the Ippfll,,, who p"plI.d th. .pprlllll "pOr1. hlv, rlvl.w.d thl .pprallll "pOr1. Igr.. with the It.t.mln'. .nd canolu.lon. of the .pprl'"r. Igr.. to b. bound by 'hI appralllr'. c.rtlneltlon. numb"ld 4 through 7 Ibav.. Ind 1m I.kln" full rt.ponllblllty for 'h. Ippfllnl .nd th. Ippralll' "port. . ADDRESS OF PROPERTY APPRAISED: 1016 Crvsta1 Creek Drive Mechanicsbura PA 17055 APPRAISER: n .-tI--~ .Ign..ure: uJ. ()1l.Q ~ N.ma: W. Grea ~Jotii\iian , CCIM D.'o .Ignod: AuQUS t 17, 199 B ..... C'rlltlclllcn II: GA-001455-L or It.t. L1elnll II: .I.t.: Explrltlon Olt. at C.rtlflc.Uon or L1een..: 6 /30 /9 9 SUPERVISORY APPRAISERlcnly II r.qulradl: Slgnltuft: Nam.: Oat. Slgn.d: S'a1. Certification II: or Stat. L1cen.. II: Statl: Expiration Dlt. 0' Certification or lIcen..: Old Old Not In'Plet proplrty Fraddl. M.c Fcrm 439 ..93 Page 2 of 2 Flnnl. M.. Form 10048 6.93 f-U,;-C!'1-1""*1 H1I24 CI:N<AD M 5 I EGEL. INC. 1 717 S40 9105 P.01/01 Conrad M. Siegel, Inc. 500 Natiunwide Drive P. O. Box. 5900 Harrisburg, PA 17110-5900 FAX Cover Page To: Mr. Richard A. Eatacio Company: Hepford, Swartz & Morgan Phone: 234.4121 Fax: 232.6802 From: Frank S. Rhodes Company: ConrBd M. Siegel. Inc. Phone: (717) 652-5633 Fax: (717) 540-9106 Date: 08/27/98 Number of pages transmitted including FAX cover pBge: 1 If you do not receive Bny of these pBges pleBse call Kim Robinson Bt (717) 652.5633 I MESSAGE: The information you requested Is aa follows: Account Balance Bt 12-31-92 = $10.958.16. Since investment income Is only allocated at the end of the year under the terms of the plan, your account balance at 5-10-93 would a1ao be equal to $10,958.16. This amount of$10,958.16 has Increased over the yeMs due to investment gains to B current amount of $17.270.48. Your current account balance is $45,220.36 ( the 12-31-97 account balance) plus any contributions you may bave made in 1998. If you bave any questions, please call me. , Copy Sent: a Re ular Mail 0 Ovemi ht Mall lKl No Co Sent NOTE: Thi" fill< contaln. confidential infonnation that may alsu belegaUy privUeced and whlch i. intended only for the use of the addres.ee(s) named "bove. If you are not the addressee Dr the pertlon tcsponsible for receiving FI\X'. for the intended recipient, you are hereby notified that any use of the contents or any action to inform another perion of its contents may b. .trictly prohlbitcd. If you have received this FAX in error, pl.ase notifY u. immediately and mall to Wi (C.O.D.) at tho above "ddre08 the whole FAX me..uge. TOTnL P.Ll! 06/27/06 TIIlI 10: II ITX/IIl NO 05661 ~001 d Tol.1 numbo, 01 ...m tlons el.lmed 7 Wari.... .a1arles. tip.. .Ie. Att.ch form(.) W.2, , aa",..able, IIilerest. Attach .Schedul. e If ,equlred , " ," b','l'aic-exitmpt Inl....I. DO NOT Intlud. on !Ine 8a . 8b lI;llivideOds:Atta~Schedul".Blfieq<Jlf1c( i'.'~" . ..,'. 10 : ,Taxabli ",,",d.. credlta. or olla.ta olatal. and localincom. tax.. (... pag.12) , '. t\,.'..,;:"..... -, ,'. ,'..".' -.. . 11'~AnniOl'\yrecolvetd 't. 0'.:. . ;,. t_ . " . .... . ~ ". . t". . ! .'..)'.'.._.... .. '",..' c'" '. ". 12 ~ A3ui1nesS ~I or ~osa). Attach 8chodule C or c.ez . . . . .'. . . . I' . .1.r.4nii~r'["- " . ',.. " 13 :-0"'C;:~~.~ P?,"), Atticl) ~hadu!~ 0.'. '. ':' . , , , , , , , . 14. "".~......: ,g~~'~, .:<Ie,.... ..)...~~. Form 4797...: tj" '. ' , , . ... '. . " 1s.-~. ~~J..r:a~~.~~...}.1~1 b Taxablo omounl (... pogo 13) 1l1e .,TCU'l peiJl!cljund iMltIei ' I.J!!.J b TaxabI. amount (....psg. 13) 17,~.fl,ffll.iaJ;~fJ'i!~,;~~ItI... par,triorihlp.. B ~t1cxis: \",~is. .Ie. A~.ch 6chodu.l. E 18 ,'18nn IOCOrhd or (lOu). Attach SChedUlo F t _'. . . '-', .' . . . . . I . . 18 .:un~pl~~;~t Cot'T1Pon~Uo., .:~ .;. . ..; , . I' ~'. t" . '. " .' . I 2Oe:~oeCwtty beqaflto. I 20.1 L......Ib TaxabI..mounl (a.. psg. H) "^,':".'t..;~:.." .'. . '" ' . . . ~~. 21 "."U...,.~~I'..l:!4t type and om~!-eeo ""g. 15 .................................... , , .' " j .......r.......~.....~..............f.........................................~..........., 22 "Addth.emDuntalnthel..~ htcolurnnlorllnes7thr h21.Thlals tolallncome ~ . 13..1IPA'd~UC}JOii'I...p~g.1e)'1 ]:",/..-:1;':1.. .'~".' ~~., 23 14 . Modicaruvtnjja aocounl dedUC:tlOn.'Atiacli Fonn'8853. 24 2e< M~no .lqlII1..... AIIach Fqnn 3003 or :i903-F . " l!5 20 eno:haJf 0' salr:..nploymonl tax. Attach 6chedul. BE, lie 27 B.If:empkiyed health lntIuranca deduction '(a.. p.g. 111' l!5 Keogh,and aelf-employed BEP and SIMPLE plana 1IO . flinaJ1y on e"'y wtlhdrawal of savlnga , . . , ao. AIImcny po(d '. b RacIplent'a BBN ~ . I If l'dd IneI 23 lhiilligh 3Oli, .' ;.; . . 12 Subtract ane 31 from 1M 22. Thla II .d ualed For Pttvaoy "at and PaperwOl1c RedU01lon Act NoIlce. ... paga 38. ~ l1040 Label 1500 Instructions en paga 10,1 UN 'h. IR8 l.b.l. Otherwise, pl.... prlnl or typ.. Pr..ldanllal EI.cllon Campaign See a e 10. Filing Status Chock only one boK. Exemptions If mora than 01. dependents, ... page 10. Income Attaoh Copy B 01 your Forma W.2, W.20. and 1011l1-R he... If you did nol g.t . W.2, ... page 12. Enclose bul do not .tt.eh any p.ym.nl. Also, pleae usa Form l040-V. Adjusted Gross Income II Un. 32 Is und., $2g,290 (und., $9.770 If a child did nol 11v. with you), ... Ele 1ntI1. on pag. 21. IRS U.. anr,-oo ~ ""'.,. It." lhiI ~. I 1997, ending I 18 OMS No. 1&45-007, VoW' 100'" ..curtly number 'Z4l!!- i~:~"l.2L apou..I, .oc:l. ..curltv' numbc Bingle MlITled filing jolnl return (IVan If only on. h.d Ineom.) Married fi~ng "",..alo "'urn. Enter spou.... opclal securlIV no. above and ful noma hero. ~ Head 01 hous.hold (with qualifying pOnlOn). (S.. p.g. 10.: If th. qualifying parson I. . child but nol your d.pand.n .n18l' this chlld'a nom. h.,.. ~ 5 OUall ' widow with d. nd.nt child or a so diad ~ 1 g . Ba. . ., O. lie IiOV~U"'If.." your porent (or BOmlOna'.Is..) can claim you. IS. d.pendent on h~ 0' her tax} No. ,"su, return, do not check box 61.' . . .' . . . . I . I I .'. ,. . ....ICb. I. b 8 au..., . '. . . . . . . . , . . . . , . , . . . . . " :.';~~, o D.pond.nta: IZI Doptndont" . I 'p.n nt', 4 mOIl cfllld..... I. 1 Rrst rwM Last name -IOCIal Ncurtly number "lltl~~IP to rMd ~ ~r7 wilt: I . 11m wlUl YO' _ :z- . did iot II.. ""_ YO' d" 10 dlYorca II 1I,lratlol .,(11""'111.' _ OOjlld'llb II Ie . lOt 111II1111 IMn _ ! Add.UN'1'I .E i : .nllll' II ,'2... I' . . flnt.lbm ... I I I I , i i , , ! ~di~Id~;j'I;:C;~7n7 T';Rei;;;; M ~@97 For tho _ Jon. 1-000.11. 11197, ot othot \Ill baglMlng ,. L A . . L PO 203-50-9959 520 10 IHCHAI~t:) A ESrAC10 1-01.6 CI'!VSl"AL CI~EI::K OI~ MEeHAN [CSBUI'IG PA 1-7055-1991 I R S H I R I Do you wanl 53 logo 10 thl. fund? . . . . . . . . 11 8 olnl return. doe$ r I DUSS want $3 to 0 to this fund? . 1 2 3 4 ~ 28 1IO - . , . . . . I ~ Col. No. "0010 For help In nndlnu IIna InltructJonl. ... pag.. 2 .nd 3 In tha booklat. V.a No No.., C/IocAklg -V.," w/I not CNngo ,.... .....er _,.... rtIund '2- " e. Fonn 1040 11n' 1I3 Amount from line 32 (adjusted g""'" Incoml) . . . . . . . . . . . . 34. ChIck": 0 You we.. 65 Ot older, 0 Blind; 0 &pou.. was 65 or oldar, 0 Blind. Add the number of bo,," checked .bove end Inle, the tolll he,e. .. ~ 34.. b "you..e m.rried filing .eparately end your lpoule K.mll.1 deductions or . you w.r. e du.I'lt.tu. III.n. "" pIg. 18 end check her. . . . .. ~ 34b 0 IIt.mIXed deduction. from Schedul. Po, line 28, OR ] 315 Ent.' SlInd.rd deduction ahown below for y,ou, filing "atua. Bu1 ... th. peg. 18 If you checked any box on I n. 34. or 34b 0' lomoane larger can claim you as e dapendenl. ~r. · Slngle-$4.150 . Marriad filing Jointly 0' Quellfylng wldow(ar)-$6,gOO . H.ad of houa.hold-$6,050 . MilITl.d filing a.p..at.Iy-$3.45O Subtract Ilno 35 from line 33 . . . . . . . . . . . . . . . . . . . If line 33 la S90.9Od or I.... muKlply $2,650 by th. total numb.' of ...mp~oni claimed on . IIn.6d. If IIn. 33 Is ov., $90,900. I.. the worksheel on page 19 lor the amount 10 ente, . TIll.bl. Incom.. Subtract line 37 from line 36. If line 37 la more than line 36, enle,.(). . T... Bee 19. Check" a tax from . 0 Fonn. 6814 b 0 Fonn 4972 . . ~ Credit fo, child ond dependent cera l>qiensea. A"ach FOI1TI 2441 40 Credit for the elderly or the disabled. Attech Schedule R. 41 Adoption c..elK; A"ach Fonn. 6839.. ...... 42 Foreign tax ",edll. Altach Form 11.16 ...... 43 Other. Check If from . 0 Fonn 3800 b 0 Fonn 8396 00 Fonn 8801 d 0 F""" (spOcnYl 4<4 45 Add Unes 40 through 44. . Of . . . I. . " . . .' . 48 Subtract line 45 fiom line 39. If line 45 Is mor.than line 39. enlar -0- . 47. .S."~ploymenlt... Altech Schedule SE. . . . .. ; . . 48 . Alternative minimum tax. AlteCh Fonn 6251 . . . . '. . . .. . 49 SocIi! aec:<a1ty ond Mod~ tax On tip Income "'It repor1od to ompIoyer. Attach Fonn 4137 110 Till on quallflod ,.t~ament plana ~nCludlng IRAI) end MSAs. Altech FOI1TI 5329 If requ~ed 51 Advance earned Incom. c,odK paym.nta froin Fonn(a) W.2 . 112 . HouaOhc.1d employment tax... Altach Schedule H. . . .. 113 . Add lines 46 throo h 52. Thll Is 10111110..... Payments 54 Fod.reI Income tax withheld fr6m.Fonn. W.2end 1099. . 65 11197 _tod \Il( paymoOta ond w.n appuod from 1996 ..iurn. 158. Eemecllncom'.n.m. AItach Bcl)oduio 'ElC If )'llU have . quallfyUig chid b Non~ oari.od ir<:ornO: Il11OU1\ .-1' I I '. ~ type ~. ........,..;.........,..............:............... l56a ~ . Amount paid INlth Foim 4868 (request fOt extension). '.' 57 .5Ii ."'. Excess sOcial aec:ur1ty and RRTA \ax withheld (a... page 2n 158 '50".OthoiPlymanti. Chock If from .0 Form 24;19'b 0 Form 4136' sg. eo"'.AdCJlIriesfi.4;55,56".,67,68:and59,'1'hoseare rtotal" nt...~ . I ~.t'~.""" Refund ;01 ....lflk,eOOIa mOietliaOuM53,Iutiir8<!tane63'irom I!neOO. This Is the..mou:>tyOuOVi:RPAtO": ;~o \< Have tt ' 82a.Am~t of Ire ~fyOu want ReFUti6ED jo'V'O~.. .._~'",.. ..";" ..'~.<., ..' .~ ,:;;:<,:~,'~r':.t '821." ~=odl ~fRoUtI"gMtij" ~ :~.O'T~: 'B"()hOddng..O'~~~~~ Bee~V" . '. .. ond fill In 62b ~: d. Account number t1" 0 to " () :.; 62c, ond 62d: ,'113 '.Amount.inn,'il1vf>uWi;tAPPiifdrovciilli1t1iESnMATEoiAX.-' ,1l3' . '.. " . . ,"",'" '. . . .. . It.. '", .",.... . ~ '. .... .. ," _ .. . '. ..... " .. .. ,',' r , . - . . " Amount . .64, .,~II ane ~ ~ "'~ ~qne'6!!'IlI.~ P'l". ~'~wn. 5;1,',~1a Is ~e Ml~u~.y~~;~WE:.:." \ You Owe ;.<',..Forl!etalIICXIhO\yIO'.pey,I~PfIge27..,.;... ....; ........ "'.;.., ......f' 114. i.65 ..'Ea\lmatadlaJc 7AlIO'n:ludicln;inell4;..' ;. .;,,,.' 65 Undtrpono/lJoo ofplljuly.ldaeIIIolhllt I hava _1hII","m and ~'-'-and _;Wttxili.lflllnlYlCclil.,.t.iNO bolIaf.1hoy are _, _ and ccmploto.l)oclntIon of __ (_1hlIn Iax/>IYOIIllbuod on "lnlonna~ of Yd)Ich ~~ "ti'~ . .; '.' ". ,. "".,,.' ,..,.,'..'--... Your ~J\lturl Dati Your occupaUon . ~~ -t-ll{ ~6 ,Am,tut 8pouN'1 IIgnalurl, " . joint retum, BOTH n'IJIt ~n. . form 10.0 (I WI) Tax Compu- tation II you want the IRS 10 figuro your tax. aeo p.g. 18. Credits Other Taxes Altlch Fonns W-2, W-20. and 1099.R on the front. Sign Here Koop e copy of thll return for YOU' records. 38 37 38 30 40 41 42 43 4<4 .,:. 48 40 47 48 40 IlO 51 52' 53 '. . .'" . . 1f1-~1 Oala SpouM'. occupa Dati Preparlfl IOClaI MCunty no. Paid Prapar.... ~ I ~natWl' Preparer s.. finn'. ""'"" (or youra ~ Use Only Jf NIf~ and ~ eddreu ChIck K 0 NIf,""""oyod EJN lJp codl (i) AMI" on r'K)'CW,..". 'us, GoYemrNnI Pml~ OffIcI' lto7 - 41. SCHEDULES A&B Schedule A-Uemlzed Deductions (Fonn 1040) (Schedule 8 Ie on back) _01...'......... ...... ........ ..... \W, ~ Allaoh to Fonn 1040. ~ llo8 InetrucUon.lor 8chodul.. A end B Name(I) lhawn on form 10.40 Medical and 1 Dental 2 Expensos 3 4 Taxes You 5 Paid 8 (S.. 7 p.g. A.2,) 8 9 Interest 10 You Paid 11 (See p.ge A.2,) Nota: P.rsonal 12 Inl.,..tlo not deductlbl.. 13 14 Gifts to 15 Charity If yo" mad. . 18 gl<< and got . ben.ftt lor It, 17 ... page A.3, 18 Casually and Theft Losses 19 Job Expenses 20 and Mast Olher Mlscellanaous Deductions 21 (S.e 22 page A.S fo, expenses to deduct h....) 23 24 25 28 Olher 27 Miscellaneous Deductions Total 28 Itemized Deductions Caullon: Do nof Include ..pens.s rulmbursed 0' paid by olhers, Medical and dental expenses (see pa 0 A-1). , . . Enter amounllcom Form 1040, line 33. 2 Multiply line 2 above by 7,5% (,075). . . . . .. 3 Subt,aclllna 3 from IIna 1. If line 3 Is more than IIno 1 entar -0- State and locallncoma taxes . 6 Raal estale taxes (see psge A.2). . . . . , .. 8 Personal property taxes. . . . . . . . . .. 7 Othor taxes. Ust type and amount ~ .................... ~ 8 ................................................................ Add IInss 5 throu h 8 . . . , . , . . . , . , Homa mortgage Inlerest and poinls reported 10 you on Form 1098 Home mortgags Inlerest not reported to you on Fonn 1098,11 paid to the p8ISDl1 from whom you bought \he home, see page A.3 and ehow that p8ISDl1'S nama, Idenllfylng no" and address ~ ................................................................ ......................................................~......... ...................................................................... Points not reported to you on Form 1098. See page A.3 for special rules. . . . . . . . . . . . .. 12 Invostment Interest. Attach Form 4952 II required. (See pago A.3,) . . . . . . . . . . . . . ., 13 Add lines 10 throu h 13. . . . . . . . . . . Gifts by cash Dr check. II you made any gift 01 $250 Dr more, sse page A-3 . . . . . . . . . . . . Oiher than by cash Dr ch~ck. If any gift 01 $250 Dr more, see page A-3. You MUST attsch Form 8283 II over $500 Canyover lrom prior year . . . . . . . . . . Add IInss 15lhrou h 17. . . . . . . . . . . Casualty or theft loss(es). Attach Form 4884. (See paga A-4,) Unrelmbursed employee expenses-job travel, union dues, lob education, etc. You MUST attach Form 2108 Dr 2106.EZ II required. (Sae pago A.4.) ~ ............... ......................................................................... ...................................................................... Tax preparation loos . . . . . . . . . . . . Oiher expenses-lnvestment, aalo daposit box, ate. Us! typo and amount ~......................................... ....................................................................... 'Z-4;1l I 11 OMO No, 15<5.0074 ~@97 -, lIoquonco No, 07 Your "clal HCurtty numlMr 41>~~ 1- II o~o 4-: ~ Add lines 20 through 22. . . , . . . . . . , Enler .mounllrom Form 1040, line 3J. ~4 Multiply line 24 above by 2% (,02) . . . . . .. 25 Subtrsct line 25 lrom line 23. If 11m 25 Is more than line 23, enter -C- ather-from list on page A.5, Ust type and amount ~ .............................. tf"~ 4-~ 11: .................................................................................................... Is Fo,m 1040, line 33, over $121,200 (over $60,800 If man1ed filing separately)? NO. Your deduction Is not limited. Add the amounts In the far right column } lor lines 4 through 27. Also, enter on Form 1040, line 35, the larger of ~ this amount or your standard deduction. . YES. Your deduction may be limited. See page A.5 lor the amount to enter. For Paperwork Reductlon Act NoU.., ... Fonn 1040 Inetructlon.. Cot No. 14O;1L Schedule A (Fonn 1040) 19 I "'11_".. ~S" J:_r-;xJ " n.. .. -oon "'001-<1 .. 0.... ...z.... j ~~i n_"'g n_ z>< (D~m... ~"M ~O.. , 8" ." @ -.. M on.. U~ znJo:O Z..Z 0 IZt-4C ! ~'" 0 ~ I> .. ~i~ n""" n -..'" I> Mlj tllVI"'''' .. "'0 - 1>0", Ill.... III 0"" IZtrt:Q 2! i c....", en I I_ I> Z.. i JU"'Otn XJ;QUltn_ .. .." " M" n<cnQlD ..... .. ~ .. nOl> VI I I .... 1D,""tel , ..'" n ".....\DU) "..m i ..~('l ..m ~ ......CDlDN 00 m 0 "'ljl"" ..mn ~..~ " - 10 "'0 ...n ..'" ~~~ ...n 0'" ,..... OM ,"m 0 '"'" ,"m n", '" '" .... , ~~ .....r: - n fti'lfi 10 "'a 10 "z r~ - lit "ill I ~~~ ~~i .. .. . . . Cl' r~ ~ - - I illl .. -..- 3 :" ...-.. ~I~fi - .....'" ... .. .. 010.... g 0 0 .....0 ,.... D> ~=..- .... .. 10"''' ..r '" "'0'" I U~! m_ 'II ... !m n "''''Ill ~ C i!i"'m '" M" '" MZM !!: l~11 ".. m znii! "'.. ?i "M .. 0 "'M 0 ..... Ill..Z ::l. ..;J ... ..,.." CO M- .. ,.. .. AI ih oB_ "" ....Ill 0 CO ;;~ .. z..... .. .. '" n...,.. 41 ~ "',.... 8 8 .. 5" Ill~ ~i . ;;;i!i .. . - ..ij . om 41 r .. . g: ~~.. . . . .. a . .... III ~..~ : -.. ....,...... s- . _w......"'.. .. 2~~ . (DIDO....._ . l\l . o:>>cnW-"'IIo_ 3 . . . . . . . !l6j . ......8....'" l\l 20 I "'.... alCD... a !! . . ;; . "',,"~'VOCD I! . Ei~ "'.... . \:! 0... " . .......... "00'" ,.. . i!j"''''''''"i ~ .. . .0:0.... 0 . ... -t...... ~ . OJ "'oCCIIZ . ......Z Gl ~ .... . ,..t'j"''' -- . .. . !:: III "'0 . Z. .. ... n .. ~ co of:l m '" ... .. . n 0 '" .. co KEEP TlftS STATEMENT FOA YOUR INCOf.IE TAlC RECORDS UM\&.....l NQIII1WJOJj .,HAoIIwI...... ""' ..". Ur,) L66:Vft~ieW:i:L~~}Z~M ,.: .j."Mo:> fu 11:1 IIJllpO:l ., Z6'609 Z6 6 609 _""",UIIIII001 " '1II"'ldll""'.'I:J.l N ~q'~~'H Z6'lOll IIIIIwAlllno1 .l ....."'Gaut.,... U 'Ol"la"'II',.",,, l~ O'lln.."A.ldwl 1'1'1 Il ggOll Vd 'Ell:lnaSOINIfH03Vl 1:110 >11:10 1V1SAI:I0 ll~O~ 010V183 v QI:IVHOII:I .po~,uz P'" ...,ppe "WIU, ...c01C1"" lit X W3 '111'11 III.., ".., 'WI' ",lUlet , u.o 96'6689 a ~'IIIO.' Cllloq'!JI"'"I1I", U , .oq III D'IHlI~llIIuew', n .u.d ""bUD 1I1I,.u.a "'~lu'DU.4'a a~ ,...",A'd 311'3U'ADY . ,ch'H,'MIl'" . 6!i66'0a-.oz "a",n" VI' r..lolowl , ~H -/I H01W ,dll.ca"""'j'I:MII l llLlJll-tZ "awn" di 0 Il.u.coia",. . ~O~l~ Vd 'Ell:lnSSIl:ll:l1fH 1331:118 1NOI:I:/'N U ~ NVElI:IOVl V'z.LI:IVMS 'QI:IO:ld3H 'POG .ur,.,' ""'PPI '.w.v ..,.AOldwl . 'd"3 'lala .clA.......a...'~I".. . Z6'66609 .....IU.........IH. '.hUA'...'...dU.....M ~ Form 21111l11ggl) , Vehicle Ex enaea See Instructions to find out which sections to com 8eotIcn A-oenel'8llnfonnatlon 11 Enter the date vehicle was placed In, service. . 11 12 Total miles l(ehlc,l~ we, drl~en during '997 . . 12 13 Buslne" mllas Induded'-!~ line 12 .' '. '. . , ::. 13 14 Percent 01 business use, Divide line 13 by line 12 14 15 Averege dally round trip commuting dlstsnce 15 18 Commuting miles Included on line 12 . . . . 18 17 Other miles. Add lines 13 snd 16 snd subtract the 10tsl lrom line 12 . 17 18 Do you (or your epause) have another vehicle available lor pereonal purpoaes? . . . . 19 If your employer provided ~U'~11h i 'v~IiICte, is persona~ use during olf.duty hours permllled? 0 Yea 0 No Pogo I mile o Yes ~e o Not applicable DYes -ffie o Yes ONe 20 Do you have evidence to support your deduction? . . . . . . . . . . . . 21 II 'Ves,' Is the evidence wrIl1en? . . . . , . . . . . . . . . . . . . Seotlon B-Standard Mllea e Rate Use this section ani If au own the vehicle, 22 Multiply line 13 by 31 ~4i (,315). Enter the result here and on line 1. (Rurel mall carrlera, see, Inatruc1lons, Seetlon c-Aotual Ex ensea 23 Gasoline, 011, repairs, v"h!CI~.;, ~ Insurance, etc.. . . . .'. 248 Vehicle rentals. . . . , . 24a b Inclusion amount (581 Instructions) 24b o Sublrac1l1ne 24b from line 24a 240 26 Value 01 employer-provided vehicle (epplles only If 10096 01 annujl/Iease value was Included on Form W.2-see Instructions) 28 Add lines .23, 240, and 25 , . 27 Multiply line 26 by tha parcentage on line 14 . . . 26 Depreciation. Enter amount from line 38 below , , , , 29 Add lines 27 and 28. Enter total here and on line 1 . ' Section D-Oe I'8clatlon of. , ' 30 'Enter cost or other basis (see Instructional " , , ',' , 31 Enter amount of section 179 , ~eductlon (see Inslnlc1lons) , 31 32 MultiPlY line 30 by'lIne 11 (seeo ; . , Instruc1lo"llll YOU Slected'the" ,. '~, aec1lon'179 dedUc1lo~) , " 3 33 'Enter depreciation method and , , percentage (see Instructlons) " . 34, ,Mu~lp~ 11.x,32 by Ihepen:entsge , on nne 33 (see'lnstructlons). , 35 Add lines 31 and 34, . 38 Enter the limit from the table In the line 38 Instruc1lons , 37 Multiply line 36' by the percentage on line 14 : , , 38 Enter the amaller of line 35 or line 37, Also, enter this amount on line 28 above' , Fonn 21 06 Employee 9uslness Expenses OMS Nc, 1040-0131 ~@97 IlII1WT......... __.v, . , y .'. Pc.~ " " STEP .1 i Enter Your Expsnlles Column A Othor Than Moalo and Entertalnmont Column B Meals and Entertainment 1 Vehicle expenoe from IIno 22 or line 29 .' , . . . . . .. 1 2 Parking fees, lolis, and transportation, Including t,aln, bus, otc" thst did not Involve oveMlght trevel or commuting to and from wor1<.. 2 3 Trevelexpense while away from home overnight, Including lodging, airplane, car rental. etc. Do not Include meals and entertalnmant 3 4 Business expenses not Inoluded on lines 1 through 3, Do not Include meals and entertalnmont . . . . . . . 6 Meals and antertalnmont expenses (soe Instru~tlons) . . . . 8 Toial ,xpenses, In Column A, edd lines 1thro~~h 4.ahd enter the result. In'Column B, enter the amount from line 5 . . . . . Note: If you wefIJ nof reimbursed for any expanses In Step " skip line 7 and enter the amount from line 6 on line € STEP 2 ,Enier Reimbursements Received From Your Employer for Expenses Usted In STEP 1 7 Entoe relmbulllements'recelved from your emR!oyer t~at were not repo/l'ed to you In box 1 of Form W-2. Includo any rtllmbulllements , reportad under code 'L" In box 13 ot your Form W-2 (see 7 ' ",lnsJructldns) ',' '. . . . . . . "~ 00 :..1.. .. . . ~. . STEP 3 '"Figure Expenses To Deduct on Schedule A (Fonn 1040) 8 ,Subtract line 7 trom line 6 . . . . . '. Note: If bolh column. of line 8 are zero, alop here. If Column A 'Is h!ss than zero,' i8P0rt.'he amount as Income on Form 1040, 1/{lO 7. " . ",' " , . II In'dol\lIl1O A, ente'r the amount from line 6. In Column B~ multiply , the aniount on line 6 by 50% (.~O). II either column Is zero or less; enter..().lnthatcolomrf...I....~ . . . . .1. . . . . . . I. . , .. . 10 Add the amounta art line 9 01 bpth columns and enter tha total here; A1ao, enter the totel on . Of .. Schedule A (Farm 10:(0), nn~ 20. (Foe-basis otate or local government officlals, qualified porfarmlngartlsls. and Individuals with disabilities: Soe the Instructions lor special I\Jles on ~..t 4-4 ~ whilrlllo enter the total,). . . . . . . . . . . . .. . . . . . .. .. 10 '1-r For P.oerwOll< RoduaUa" Act NoUe., _In.lructlonl. Cot. No, 2455gM Form 2196 (11 ", . " . '. , t. '. J. ~, ." I' :" .~.... . '1 I f f I . Pennsylvania National Ban~~' I'" . ^~Camu1Ilyllirt THIS STATEMENT IS IN LIEU OF A'1099 INT FO (IRS OMB NO: 1545-0112) AND/OR 1098 FO (IRS OMB NO: 1545-09(1) FOR CALENDAR VE ONE SOUTH CENTRE STREET' P.O, BOX 1150 POlTSVILLE. PENNSYLVANIA 17I1OHI5O PAYERS FEDERAL 10 NO. 23-095Bo120 1997 1,"11I...11I",,1,1..1.1,".111.1..1.10..,.11...11.11...1.1.1 RICHARD A ESTACIO 1016 CRVSTAL CREEK OR MECHANICSBURG PA 17055-1991 SEE BACK FOR PERTINENT TAX INFORMATION SOCIAL SECURITY I EMPLOYER 10 NUMBER 203-50-9959 REPORT ANY ERROR WITHIN TEN DAYS. **** FORM 1098 MORTGAGE TVPE OF ACCOUNT ACCOUNT STATUS BOX 11 NUMBER MORTGAGE INTEREST RECEIVED FROM PAVERS/BORROWERS INSTALLMENT 1987020011 OPEN 880,21 INTEREST **** BOX 21 POINTS PAID .00 BOX 31 REFUND OF OVERPAID INTEREST .00 TOTAL I 880,21 .00 .00 ~ -..-------.. .--.-.- .---.-- ._._.__.~--._..._.. -.. .. " -=aQ.oa:1- uC!:a:(J) ~ I fia~Rm.. ; ! gfi!li!1 - I ~e~!!1 ~ftR ~I!il 1ft ~~IU~! 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"NO "'... ....... ?\i!l"l~::1l!::e illeseH:li:lt; a!9"l eee :la.Oa:.-CIl -- .., .....~~"":"",.... \ . lO: o ',.j .jJ III I.< III 0- Q) III ..... o Q) .jJ III Cl .jJ III 't:l I.< o U u I'l; III 't:l lO: o lI: 000 000 . . OU'lU'l or-r- U'lU'l0 '" r- (/)0 1Il III l:I X Q) 1Il ::l .-i 0. CD CD en .-i . HEPFORD SWARTZ fa MORGAN II. Il~II'IIIIL1'WMn. fl.r. l.n C S\\'AHf'. J--\'IL~ G, t\hHa;^~, )11: 5A~IlH" I.. MEII.W__ Slll'llI" M. G.rfmfM 1M OIS~I" It Sm:MHR l~lt lI\1dl A. l:~I\(I\) MlllI"H.It. )',\10.. A\I)I(I.\\- Ire Sll 1/.\1,\\ L\w Offlen ST"~I.H II. ~IH.n 01 Clll'\"U III N('IRlII fROST STUU July 10, 1997 r.o.fk.'lXMl 'nmlllll,,\ll\1\ hi\1 '\11\111 \11 11 IItl Stlh'\\! tk'WIIl'II_i\1 ^1'\'~ \1 \ I tARRI:\Rl1Il,O. l'^ 17Il)l'\.llN4.\l TOLE'"0N' 7\1-2.'\01-412\ E. Robert Elicker, II Divorce Master Office of Divorce Master Cumberland County Court of Common Pleas 9 North Hanover Street Carlisle, PA 17013 FA' 111-2.'H'&l2 TOI.L f.El 1IOO-2.~1-4121 ~ Re: Richard A. Estaclo v. Lori A. Estaclo No. 96-6033 civil In Divorce Dear Mr. Elicker: Per your instructions, I was able to speak with R. Mark Thomas, Esquire, and he agreed with my request to have the due date for the pre-trial statements extended one week. However, Mr. Thomas Informed me that he would be In trial all next week and would prefer if the extension be granted until Friday, July 25, 1997. I am agreeable to this further extension In light of Mr. Thomas' trial next week. Thank you for your kind understanding In this matler. Should you have any questions, please feel free to call me or Sandy Mellton, Esquire, at your convenience. Very truly yours, HEPFORD, SWARTZ & MORGAN /p~:?2~:?-.?-L.. ',. Richard A. Estacio RAE/pjb LE\\-'ISTCWiN OFflCU R. Mark Thomas, Esquire cc: 12 50utll ~,^1:'11 STRf.Er r.ll. 1\<1:< Ni7 I.f.WI~ro"""N. Ph 17044-{)c'l.(;7 T!;U.I'lln~t 117.24l\-.1~ll..'\ R. MARK THOMAS Attorney at Law 64 East Main Street Mechanlcsburg, Pennsylvania 17066-3861 Teleiu: (717)697-9396 Telephone: (717)697-46150 June 10. 1997 E. Robert Elicker, II Divorce Master 9 N. Hanover Street Carlisle, PA 17013 RE: Richard A. Estaclo v. LorI A. Estaclo No. 96-6033 Civil- In Divorce Dear Mr. Elicker: By Order dated January 24, 1997 you were appointed as the Master in the above-referenced case. By letter dated January 30. 1997 you directed counsel to prepare and file pre-trial statements which were due on or before Monday. February 24. 1997. Subsequent to your directive of January 30, 1997, the parties thought they had reached an agreement with regard to the economic issues. However. that agreement never came to fruition and now the parties need to return to your office for final resolution. Would you kindly issue a new directive to both lIides t.o file pre-trial statements in this matter so that we can proceed to a final resolution? Thank you for your cooperation in this matter. Very truly your ~ R. Mark Thomas RMTllmh cc: Lori Estacio Richard Estacio 01 QI U I-<~ ~i j~ .-i III .j.J ..... I-< 2'! .-i III .j.J ......... 01-<1': QI 2'!.s ::l1.j.J .-il':l-< 11I00 >z'" Ul f-< l<l Ul ~ t<< o f-< Ul H o-:l I': o ..... .j.JQI 1lI.j.J ::llll .-iQ ~ M oen 0.... .... o 0'1-' 00 . 001 ....11I \IIo~ QI ::l .-i ~ o 000 000 ...000 o .....0 .-i\ONlI'l (/)0\110(/)0 o 0 Oll'llllOIllO ~NNU")N(D (f)o (I)o(/) (/)0 (/)-(1)- o o O.-i o . M.... (/)0(/)0 o o 00000 000 ~~. ...aooLtlOOOl/l ,..r-tN"'l:I'MC'\IU1N<q<qo (/)-(1)0(/)0(1)0(/)0(1).<1)0(/)0(1)0(/)0 00 00 NN \110(/)0 .... MMcnN cnen......en ....N.... q'oqtr""'i..-4 .... 01 ...... N .... N en en .... NNNN 0101 01 m cnmmcn M~""'"'r-t MM roro 01 en ........ NCOI.DI.D\ON 0'\ CD CD CD CD 0'\ mmcnencnm MMMr-I..-4..-4 I': o ..... .j.J 0. ..... I-< U 01 2l QI 01 III I-< QI 1-<"0 ::l......... 0\ 1-<.j.J 01 I-< QI 0..... I': QI .j.JU~Qlo. I': 1':11I H~ .....1-< o-:lQ 11I11I I-<"OP:P: ::l1':l:Ql:Q U 0 ":::<:1-<1-< QI QI OCO+JJJ C"ICOU')U) 01 en III III .-i....;:!:;:!: QI QI QI ...._ I-< ....QI QlIlI 8:!J 'a: gj ~ l(l III 01 0 O.<:l ..j.J.>4 .<:lOUl .>4Q11-< 011-< III O\~u~ UlI-<~"OQlO 11I1-< 1':11I "0 QI::lIllI':"O.j.J 1':1': I-<QlI-<~.-iQl "o.j.J.<:lQl 1lIQ1 00 Ql8Q1~"'I-<QI "0"0 ~u 0.1-<> ~~ 81l1~Ul""1lI1-< QlI-<QlI-<UlI': .OQlIll 0101 rouo ~1lI l:QQll:QQI. I-< .QI.j.J01~1-< .......... SU Ell': l.<~ 01 Ul"O::lIll.-iI~OQlI-<>> ::l 0 QI QlQI I':UlI':Ul.-it<<....~.-iI-<I-<.<:lQlQlQl ::lSQlI':"O ~I': '.... QI..... QI..... 011l.-i.... U 01 >,.-i....P: U ="0 ~ 0 I-< 0 ~1-<~1-<.aP:Ul.j.JOQl~IlII-<QlQlUllIlll~1lI0 1lI.j.J f-<Qf-<QUo-:l- P:P:;:!:3Qf-<f-<>>M>o-:l3 t<<Ul l:: 0 .... .... +.IQJ III +.I C'1N Ol ~1Il OlOl ...... ....0 OlOl N III ........ .... > ~~ UlQJ +.1+.1 QJ l:: 'tl .>4QJ l:: ui~u III +.I ..........+.1 QJ ~ ~.o lii .... III d ~ U 0 o . ~ .... ~Ul +.IUl QJ QJ +.I -+.l.r-! ~ :> u P- QJIIl d.... III d .... UlQJ+.I QJIIl;J QJ ~I d.d ~ .d.d0 'tl U nIUlQJQJUU~ '... Ul d +.1.>0:+.1 U Ul ~ .... d........ :i1 QJ H ~l:Q:':: ~ Ul QJ U ~~ o ~ ~1 'j tl ...... III +.I ......... O~d QJ~'~ ~I+.I ......d~ ...... III 00 III >:Z:P" 10> .... ~ .. 0 III 0 E-t 0 l>1 QJ . III 0 00 0 Ol ~ ~ 0 LIlOO 0 .... .... N N"'N .... .... ,~ (/)0 (/)0(/)0(/)0 (/)0 (/)0 ~ > 0 ~ III H H CURRENT PERSONALTY IN DEFENDANT'S POSSESSION (Attach documentation.) Description Acura Integra - 1990 (Marital) Waterbed with nightstands and lamps Double bed Dresser Desk TV stand Entertainment Center Televi.sion VCR Sofabed Recliner Desk and chair Table and chairs (Non-Mari tal) (Non-Mari tal) (Non-Mar i tal) (Non-Mari tal) (Non-Mari tal) (Non-Marital) (Non-Mari tal) (Non-Marital) (Non-Mad tal) (NOn-Marital) (Non-Marital) iNon-Marital) Value $3,000 $100 $20 $20 $20 $20 $50 $100 $100 $0 $50 $20 $200 ..... 0 a 0 Qla ... . Uo III ~... III +J. +J QI ~1Il1ll III III ~QlH 8- 'C1ll 0 Ill;;!QlO P. III a ... ..... III Oa ... III 0 +J Ill'" -5l +J 0 +Jill 0 'C 6 ~ Qlle: III ~ o.+J '" ... Ql2l..... :S III (Jlo ..... 0 +J :>. 0 3 .....'Co .....QI 0 m E-4 +J III H 0 0 ~ 3Iq( . 0 r" 0 ..... 'C aaN ..... ~ ~ HH(Jlo (Jlo ..... QI ~ ~~ '" U QI", .... a , QI~"'" ..... QI , ..... +J III +JU ... III a a >< QHO a: ... +J QI III 'C .<:: ... +J ..... 0 ""' III H i\ ~' 0 III 0 ~ I oU ""' III ~-5l ,I 0 Q ""' a I 0 ~ ... ""' 3 III Cll ""' 01 a a:>. III Cll 0,,", 01 ~...; ...'.. ""' ""'50 H u..... ... til ~ 8:;:l H a UCll ~ ... III a III Cll 0 0 ..... Q:I: :I: P. INCOME & EXPENSES (See attached Exhibit "B") \ .-,..--::-- LIST OF EXHIBITS (List exhibits and attach copies or description if exhibit exceeds three pages.) Debt Consolidation 1/93 for $20,000; $450 rnonth/5 years Pension account in Defendant's name - contributions as of 6/30/93 = $7480.19 (See attached Exhibit "AU) r.. t.i iii "_, 1 L' ~l"n PUBLIC SCHOOL EMPLOYES' NE'f1RJ!:MENT SYSTEM Telephone (717) 787-8540 Mullins Address PO Box 125 Harrl.burl PA 17108-0125 Blli/dinS Loculion 5 North 5th Street tlarrl.burll PA 17101-1905 SEPTEMaER B. 1994 STATEMENT OF ACCOUNT - AS OF JUNE 30, 1994 '.", ~~,,; ,'if' ~~ ,": . "i':-<".::,,'r'l',~?i 11I1'11.,.'.II.,111""ILIIII.1 LvR~ A E:>>TAt.:IO 305 PARKWOOO OR LANCASTER PA 17603 SS .: 170-58-1BOS 0.1. 01 alrth: MAY lB, lS82 5.. : FEM.\LE Cont"bulion R.t. : D-825 Voting SlItul : PROFESSIONAL P,lnclp.1 a.n.'lcl"ylllll : 0466 BENEFICIARIES NOT SHOWN AT YOUR REQUEST " '1.U~; SERVICE CONTRlaUTIONS INTEREST TOTAL B.lanc. .1 0' Jun. 30.1993 5.61 7 480.19 957.93 8 438 , 12 1993-94 CREDITS ~I 2.074.14l 2.453.141 Norm.1 379.00 Pu,chll. of Strvlc. AdJultm.nll Balanc. II 0' Jun. 30.1994 I 6.61 II 9,554.33 I 1,336.931 10,891.26 r Pi.... ytrlly th. abov. Inlorm.tlon. II you If' .mploy.d by mort lhan on. ..porting unll l.mploy..l. you mey ..c.lv. mOrt Ihan on. 'St.t.m.nl 01 Account". Th. 1111 11.I.m.nl you "c.lv. will Ihow Ih. 101.1 Inform.tlon "po".d by ell .mploy.,.. Noli'y PSERS 0' any ..,or. by wrl~ng 10 Ih. .boy. .dd'..., PSERS DID NOT CALCULATE A BENEFIT ESTiMATE. TYPE OF BENEFIT Monthly B.n.1Il undtr M..lmum Oplion Monthly Ben.1Il undtr Oplicili-'----- D..th a.n,',t und" Op~on 1 (Pr...nl Velu.1 II you .I.cl P,,~.I Lump Sum .nd withdraw an amount not 10 ..clld your contrlbulion. and Int"lIt Monlhly B.n.llt undtr M..lmum Option Monthly Benelll undtr Oplion 1 D..th S.n,UI und" Option 1 IP"unt v.lu.1 ou mltl th. 5 y." .lIglblllty requlrtm.nl 10 apply 10' . dillblllty b.n.flt, You mull .ubm.t .n .ppllc.lion within 2 Y'''" from the dlte on which contributions wire lilt d.ducted, Contact your PSERS representative for .dditional In'orm.lion. . of Jun. 30, 1994 Ihe tol.1 .mounl . .ble 10 our dill n.l.d benelicl.. liell In Ihe evenl 01 our dlllh II $ 108S1.2B Your PSERS reglon.1 rep"..nt.tlv. II : Your employer 18 : PEQUEA VALLEY S 0 (5282) REGION 7 REGIONAL SUPERVISOR 3 CROSSGATES DRIVE SUITE 101 MECHANICS8URG PA 17055-2459 PHONE 717-795-9245 C:'"III. H..mlllr 08-1564 PLEASE READ REVERSE SIDE FOR IMPORTANT INFORMATION :>> COMMUNWl:ALnl uF 1'l:"'NSYLVAN1A PUBLIC SCHUOL t:Ml'LUYES' RETIREMl-.:NT SYSTEM Telephone (717) 787-8540 Mal/ins Address PO Box 115 Harrlsbura PA 17108-0125 SEPTEMBER 9, 1996 Building Loca/ion 5 Norlh 5th Suecl Harrisbura PA 17101-1905 "AI-' .0,.,11 STATEMENT OF ACCOUNT - AS OF JUNE 30, 1995 1"lI1IL"I,II"111Il,.I!..t,,II,I toRI A E:>TM;IO 305 PARKWOOD DR LANCASTER PA 17603 ,. ..,:":,_i,~'~" J ?r:.,~, ~ ;'~~~;j, ~",,,,~:\'W,~"''!'!~'!1'~m'!r';;'','r:nl'r.'>~,;J€;)'''' ,,'.""; ":f.'''':,l;'~N"~,.>'''\';;r,''''~''~'''''e"'...,.Il'.......4 SERVICE - CONTRIBUTIONS a.lanc. .. of Jun. 30.1994 6,61 9 554,33 1994-96 CREDITS No,m.1 Putch... 01 Servlc. AdJu.lm.nll ~\ ,.",.721 I 7.61 IlC1~82;.0 a.lanc. .. of Jun. 30.1996 55 .: 170-60-18011 0.11 o. a"th: MAY 10, 11I6Z 5.. : FEMALE Contribution R.t. : D-Bn Voting SIIIU. : PROFESSIONAL PrinciPII B.n.riCill"yhlll : BENEFICIARIES NOT SHOWN AT YOUR RIiQUIDT INTEREST TOTAL 1 336.93 10 891,26 ".. 00 I ' . "'. 12~ 1,817,93113,639.981 Pl.... verily tho above Inform.tlon, If you ... .mploy.d by more Ihan one ,.porting unit ,.mployer). you mlY rec.lv, more than on. .SI.lIm.nl 01 Accounr. Th. 1111 .111.m.nl you ,.c.iv, will .how tho '0111 Inlo,ml\lon r.port.d by III employ.r.. Notify PSERS 01 any ."ora by w,itlng 10 tho above .ddr..., PSE~"pID NOT CALCULATE A BENEFIT ESTIMATE. 10'. TYPE OF BENEFIT . - tJ\oiltl1ly a.n.hl under MI.imum-oP\lon' Monthly a.n. fII und.r Option 1 Dllth B.n.m undar Opllon 1 !Pr...nl Vllu.l If yOU .I.cl P..tI.1 LumP Sum and withdraw an amOunl nol to ,xcI.d your contributionS and Int,r'lt Monthly B.n.m under MI.lmum Option Monthly a.n.II' under Dpllon 1 Dllth B.n.111 und.r Op\lon 1 IPr...nt V.lu.l --- au m"1 Ih. 6 y... .lIglbillly ,.qul,.m.nl to Ipply lor' dlubllity b.n.lll You mu'l .ubmll an applic.tion within 2 y.... I,am tho dll. on which conlrlbutlon. w.,. 11$1 d.ductod, Conllc! your PSERS raprountl!IV' tor .ddltlon.1 Inlorm"lan, . at Jun' 30, 1996 Ih. 10t.1 amaunl . Ibl. 10 our d.1l n.t.d b.neliCl" 111.1 In Ih. .v.nl ot au' d.lth I. $ 13.838,B8 Your PSERS rlgiDnl1 repr..antatlv. il : SDUTHCENTRAL 3 CRDS50ATES DRIVE SUITE lot MECHANIC5BURO PA 170e8-248g PHONE 717-7g8-8243 your employer's: PEOUEA VALLEY 5 D (82821 C,lIl'" N.."'D., 13-3381 PLEASE READ REVERSE SIDE FOR IMPORTANT INFORMATtON -:..--:- ~~KBER TRANSACTION HISTORY INQUIRY PAGE 01 REQUESTED 8Y BRUCETTA II SHATTO DATE 01/16/97 SSNO I 170-56-1809 ESTACIO,LORI A OLD 55NO I 000-00-0000 QYY DI5T RATE CD HO PAID 5ALY UNPD 5ALY CONTR I 8 INT 5ye f/P PROC/DT 186 3300 0625 E 01 3186,04 199.13 OS/29/86 ! 286 3300 0625 5501.10 343.83 10.85 F 09/18/86 S 286 3300 24 109.00 DAYS 5YC 0.61 10/30/86 386 3300 0625 3154.24 197.14 f 12/18/86 486 3300 0625 4677.34 292.31 f 02/19/87 187 3300 0625 4062.72 253.89 f 04/02/87 287 3300 0625 6996,22 437.23 45.76 f 07/16/87 S 287 3300 24 185.00 DAYS 5YC 1.00 09/17/87 387 3300 0625 X 07 f 10/22/87 389 5164 0625 E 09 1701.84 106.36 f 12/07/89 A 389 5164 000 28 151.07 01/24/90 489 5164 0625 4865,52 304.08 f 04/19/90 190 5164 0625 5676.44 354.76 I' 05/17/90 290 5164 0625 4751.87 296,98 92.44 I' 07/12/90 S 290 5164 24 184.00 DAYS 5YC 1.00 10/04/90 390 5164 0625 5832.68 364.54 I' 01/10/91 490 5164 0625 5334.~4 333.42 I' 03/28/91 191 5164 0625 6223.28 388,99 I' 06/27/91 291 5164 0625 4445.20 277.85 150.72 I' 08/01/91 5 291 5164 24 185.00 DAYS SYC 1.00 12/12/91 391 5164 0625 26 889.04 391 5164 0625 A 55.57 f 01/16/92 391 5164 0625 5735,19 358.48 I' 01/16/92 491 5164 0625 5936,61 371.04 I' 04/09/92 192 5164 0625 6947.43 434.21 I' 04/23/92 292 5164 0625 6000,94 375.06 215.93 I' 08/13/92 S 292 5164 24 180.50 DAYS 5ye 1.00 10/08/92 392 5164 0625 452.44 I' 12/10/92 492 5164 0625 466.64 I' 02/11/93 193 5164 0625 408.12 I' 05/06/93 293 5164 0625 408.12 291. 16 1'07/15/93 S 293 5164 24 185.00 DA Y5 5ye 1.00 09/30/93 393 5282 0625 E 09 2522.28 157.64 I' 12/02/93 393 5164 0625 5441.90 340.10 F 12/29/93 493 5282 0625 8827.98 551. 74 F 02/10/94 493 5164 0625 X'09 F 02/17/94 194 5282 0625 I 472.92 F 04/28/94 294 5282 D625 \ 551.74 379.00 F 08/11/94 S 294 5282 24 ' \ , 200.00 DAYS SYC 1.00 08/25/94 S 294 5164 24 '. DAYS 5YC 09/22/94 394 5282 0625 9677.37 604.84 I' 12/22/94 494 5282 0625 8401.62 525.12 F 01/27/95 195 5282 0625 9801.89 612.64 F 04/13/95 295 5282 0625 8401.62 525.12 481. 00 F 07/27/95 MEMBER TRANSACTION HISTORY INQUIRY I'AGE 02 I , I . : ,,9, 170-56-1809 !STACIO,LORI A I :4YY OIST RATE CO HO PAID SALY UNPO SALY ~ 295 5282 24 201.00 395 5282 0625 8692.24 495 5282 0625 10679.06 196 5282 0625 9153.48 296 5282 0625 10679,06 S 296 5282 24 203.00 DATE 01/16/97 OLD SSNO I 000-00-0000 CONTRIB INT SVC 1'/1' PROC/OT 1.00 08/24/95 I' 11/16/95 I' 02/15/96 I' 05/16/96 I' 08/22/96 1.00 09/26/96 DAYS SVC 543,28 667,45 572.10 667.45 DAYS SVC 594.59 INCOME AND EXPENSE STATEMENT OF L ()f I .A 811( I ..1 SSN J7 () ....5!L.--L2..fl!L DAII DATE II f I q 7 THIS STATEMENT MUST BE FILLED OUT (II you are sell.employed or II you are sslarled by a business 01 which you sre owner In whole or In pari, you musl also 1111 out the Supple menIal Income Stetemenl which appaars on the lasl page ollhls Income and Expense Slalemenl.) . INCOME (s) Wagas/Salary Employer I. Address Job Title/Description Pay Period (weekly, bl.weekly, monlhly) Gross Pay per Pay Period ..............................,.................. ................................................................ $ Payroll Deductions: Federal Withholding ..................$~ Social ~ecurlty ...........................$ I C> 2. 'i 1 Local Wage Tax "........................$ Slate lI1come Tax .......................$ Retirement ..................................$ Health Insurance .!i.....~or:r:..r.-.;.$ Other (speclly) .....lIm~Il.r.'J.\IC..$ J, /) t,~ / I III., 4', ",'~114_ I''', rln I. () lJ . r. r m.,tl, rrlrP . (~I'r_"......................$ ..2&1. (\I) . II., #.. r.r.I\I....~ .........................$ . 50 Net Pay per Pay Period ........................................................................................................................ $ not dtduc.lcd L,\ o'N.{JcLlC,. pd. .,.1 ,,,rI,f 'n. J J J I, /(:'1,2(\ (b) Other Income Interest/Dividends ......................$ Pension/Annuity .........................$ Social Security ...........................$' Renls/Royaltles ..........................S EKpense Accounl .......................$ Week Month $ $ $ $ $ $ $ $ $' $ $ $ $ $ $ $ $ $ year Gifts .............................................$ Unemployment Compensation .$ Workmen's Compensation ........$ Total, Other Income .......................$ INCOME ANO EKPEN5E 5TATEMENr OF I .erllv Ihallhe sl.tements made In thl_lncome and Expense 5lale. menf .r.lrue and correcl.1 undersland Ihat lals8 sIal8menls herein are made subject 10 Iha penallles 01 18 Pa.C,5, 4904 ralatlng 10 unsworn la1_lIlcatlon 10 authorltlos. Oate: Plalnllll 0' Oelendanl ORO 8405 .' EXPENSES Home Mortgage~........................................ $ Maintenance ........................................... $ Ulllltlesllelephone, healing elecldg, etc.) Xklf1:.............................. $ Employment (transportation, lunches) ..............................,................ S Taxes Real Estate .............................................. $ Personal Properly................................... $ Income ..................................................... $ Insurance Homeowners ..... ...................................... S $ S $ Automobile .............................................. Llle/Accldent/Health ........................:..... Other ..........................................'i.i\f"....... Automobile (payments, fuel, ~~"'$ l1.Z repairs) ....................~:l!1r..r'I'N.a...l~A $ Medical Doctor, Dentist, Orthodontist ................ $ $ $ Hospital................................................... Special (glasses, breces, etc.) ............... Educallon Private, Parochial School....................... $ College ........................:............................ $ Personal Clothing ................................................... S Food ......................................................... S Olher (household suppllss, barber, eto.) ....................... .............'.....5 S Credit payments and loans ...~lJ.';'''~~ $ '{OUS 7D Miscellaneous Household help/child cere ..................... $ Entertainment (Inc. papers. books, vacaUont.I!!!LTY. etc.) ............ $ allts/CharltabJII conlrlbulllll'\S ........,..... $ Legal Fees ...~'J;1IW~\;!).t.:;.;...+i\~.r..(-)-. $ Other child eupport/allmony payments ............................................. $ Olher (specify) .. L ll.c,;C.T.:f;c........r............... $ ~pi'~'O;I' Total Expenses ............................................. $ Household Week ,. Child Week $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Household Month Child Monlh $ (as::). $ $ $ $ /:2.5. $ $ $ 45, $ $ $ $ $ $- $ ~l $ $ $ $ $ $ $ $ 607 $ $ /()tl $ 33 $ J.Q $ $ $ $ $ $ $ $ ?lif~ $ 5(J $ $ :~ $ $ .t' 100 $ $ $ 100 $ $ Qd.- $ $ I () D $ , $ $ $ )00 $ (pU ~,J 22. 'l $ ~~,;t() $ ~ ' . '. " . ~ . ~ h H I I'j -l : '. ,: If' 'j (I ~: t \1' t ij; /. t' I. .,,'. I ., I ai ';, ....J I U'I ~~l, I it'. :31 I I. I !~ -Q . I U I '" . REMOVE THIS PLY BE'ORE MAIUNG, 6 {} t:) (, " " J .:fl' ~ , - - "'1: ~ .' o' "',, I I ~ ~l'lll'l II .~ ,', ': " I . , . A NPlO In . In PI~~ IIl'l i~ >; (\j ~or .: . I~ Illl! J 58 I jO N J~ J J~ )~ I A~13~ ~or (\j It .r: :33 f~ .. ., . . a .. = Q:J ~ ~ ~~ I Jt J ~ II 'CD 1 J 10 18 j It j~l pl i~ t~ f ~~ 10 i J .0 I~ 10 I~ )~ o ' ) ~ . n . PI! n or or ~ .. .. .. 0 ~ ::! .. I .' ~ I I~ l:; :! ... ~l!l i e; ...! III . . III on f~ ... 0 Qt:l h If:! a<t PI ~ I ...f ..or !~~ ~ ~ I I I!logj i I 1 ~ 11010 .. 9'~ I~~g~ h I~ u l2 1&1 ~ ...Q:3 1Il01ll .~ IN <t~PI rW~~ I ~ r:> .. Ii' I~ :Z:XlIl . )(101 .CD I~: ~ ~ .-(] . <t o:z: I~ -If') . 1Il<t i~ i~~~ ~ PI - - ~, ~'(l H l<tl N "'doll:: dol . " . .. . . , , Iii JiI ir i ~ lS j E ca~ :11 13 ~ ~ ~ Iii) ~ 'n ~!! ~U 0::J~.e..FH:rlliUj.!:.lU.!-I~TIHJ2..L" I '.11111, 1.1'l3..U.l~_U:j-"oJ - _. :'.1 ,j J J .. I .,. , ._. ~. - - j ;. J ) ) l:J3.11'1Vj'lJ03~DVW !l:l'ldO Vj9~19X' J,J II' . 'U .. >, ... " III '" ~ ,..,..,. C" .. ... .. ~ " " 0 .. '.... U ... "j- :d .. 0 ....... ~ .. .S -< 'fj III c::l l>O . .;; ~.S e IJJ 'M ~ 0 ~ \j lil"- 'tl ..N I 'tl ..~ ..... 0'" ...J .,... &.J &.J 0" " \ ~ ~.g~ \\-. c~~ ;~i ~ ~...... ru tJ ~: Q.I en (" -......: III . -'P.i. ~"t1 G.I Q ::?\ ~ ~ ~ .." ell ~,9 J-'~"if l;; .... :3 \j .. o ,,"0" P.1 EI >-..c: iil'-4- ;,; ......... '- tI)"t:I 0 l4-I "', '" QJ _ 0 .., ~ Ei ~ z~ ns Q.>.. ....~, " 0 "" ~ ~ QJ~5 > ... 00" .0'" '-". .. "'-5 ~~ ,"' QJ ro ro ...' .c &.J ," "''''''''''''' u -< " . "-., ... ns v ...') oS :J . ~ ..:> 1J.l " 0 ',....... 0 "..... ... 0 .. I U >..0 . ... .. ........ a ... a ........... ... ... ro ~ "I;: ," oS 'fj oS '.. c:: '-. 'M"d C1J '-...: GJ..c '- ._, Ill""'-\-, .,=, -~ ~ ~ QJ r- ... ,\ : ~ .1"'4 U-l II) .:: wJ e ~ ::J ,"':. _.... ro n. .. \. ..".. "" en QJ U C .c'M > C ..... . ',"", en QJ G.I "tl L ........:> " " ~ ... J::HO >. W t1J'~.c.9'd >< ' ...... '" 0 9 Q.I~~J1'~ ~ en 0 a QJ ro -M 11-4 n. w t1I 1-4:3 0 W ~ QJ 0 ........ W )01 n.. p.~ aJ r-l :n 0 ,,0 f-4...J ;J ~ \ ~ ~ ~ ~ t"" \!-- ~~ u... ~ II """, ~ ~......~ rV) ~r 1 ~l' ~l ~i "~101 ;; ~ ~ ~ r. j b ~ 8 8 ~ ~ \!i J~~ (\,~ g \ \. ?: ~ : ~ ~ rJ ~I ~ ;1 .J ~ 'f:J b I fH.1 el ~ :rl .rl tl ~ ~ g] ~ ~ it \ ~ ~ iI ~ ~ ['I ~I ~y. ~ ~ ij A ~ ~ ~ \~ 't':?' V-I:9 B ~I ~I r~\ ::[ " rQ bit ')-1 J'I _ ~ ,0 \ :T ~ \ p ';!::..:- ~j~~~~~~~~p1~8~ 8 ~ ~ ':,r- ~ (.l , ':01 ~ ~) ~ ~ ~ ~ ~ g rJ ;:::1 '" ~ \;" <<S 0 0:; () \rJ ' ff) 'tl ..... -j r?J C" M; r:n'J \ cs \ . ~ ~ ~~~j~~?~~~~~~~11.& ~~~~~~0~~~~~~~~.~ ~ ~ ~; ~ ~ ,? ~,~ ~ ~ ~ ~ '9 ~.~ ~ 8 '~ ~ ~ ~I \ ~'~ d ~I 8 ~ ~I ~ ~ ~ ~ ~ ~ ~.~ ~ ~ ~ ~ ~ ~ l~ !!~~~~~~~~~~~~,~~ ~ ~ . -" ~.... '- . . . . >< " I-' III ~ ] o ... 0 U " '" .5 ~ III Q) 00 Q) " " LJ .,... 'M r1 ~ ~ Vl nO Vl ~ ("'"l:.2-- 1ii'~ " .JI.... ;J ~ to: ~ I\j~ H~ 'fj J:" ... v~ ~ If '" >, .. III n. ... " '" 0 '" '" 'd 0 u III U Q) III ~ U 0 '<l " " Q) P <.:l P 00 .~ iik, "0 OM <. ] Bl or. Q) u Vl 'd ~. .....5.: . ,~~ ] g:, '" Vl:3 'tl J.! ~ " ... ~ .. "- III " ... ~ .. :& 0 .. '" '" " ..... .. ... p .." DeclIl.llon~ [ill]-~ Form 8453 CTIITI ,-[1] IRS U.. Onl ~-Oo not Wflt. Of ,I. II In lhl" .n. OMBNo, 1040-0831 U.S. Individual Income Tax Doclaratlon for Electronic Filing For the yell J.nul/Y 1 -- December 31, 1990 ... S..lnltruaUonl Lulnlll18 1996 D.pat,mln'.'1h' Tr...ut., Inl.rn,IA.v,nu.a.,..,lc. L A B e L H Home .dweII (number .nd.U..I),II. P,O, boN. 1..lnlll1Jcllon., e 20 BOXWOOD CT R Cl1y, Iown or pOll olllcll, 11.le, Ind ZIP code e ECH FA 17055-4608 Tax Retur InformeUon hole dollll. ani) 1 Tol8llncome (Form 1010, line 22; Form 10<10A, line 14; Form 10000EZ, line 4) . 2 Tol81 18N (Form 1000,lIneOl: FormlO<1OA, IIn.20; Form I040EZ,lIne 10) . 3 Feder8llncome 11M withheld (Form 1040, line 02; Form 10<10A, line 29.; Form 1000EZ, line 7) 4 R.lund(Forml040,linellO.;Forml040A, line 311; Forml0<10EZ. line 11.) . I AmOunl u owe Form 1040. line 62; Form lD4DA.llne 33: Form I040EZ line 12 Direct De elt of Refund 0 Uon8l-S..lnIUucllonl, UI.th. IRS label. Olholwlll, pie... p~nlor Iype, AllIch Copv B cr form. W-2, W-2G. and lott-R h'lI. Your .ocl8l1lClurtlY number 170-56-1809 Spou..'.aoclll aeourt1Vno. Your IIrll nlll18 .nd Inlll81 ORI A. ESTACIO III jolnl relUrn, IpOUle'l IIrII nlll18 .nd Inlll81 Lulnlll18 Apt. no, Telephone number (opllon8l) For papelWor1l ReduoUon Act NoUce ...In.lnlCUonl. 1 2 3 4 6 9 3 743 o 1 1 31 . RouUng number The lIr.1lWo dlglta 01 th. rouUng numbor mu.tbeOlthrcugh 120r211hrough32. 7 Accounl number T eO'lCCOunl; DeclereUon of Tex er 51 non .nurpanlllco lulud, I ,.nunlthl' m'f"lund bl dlr.cUy d.p..II.d.1 ..nlgn.'." In p.., 1I\,nd d.cla.. thl' Ih,lnformallon ,hown on IIn,. 11llrau;h III corr.ct. 'I h.v.lllld tJolnt,.M". Ihl,l. In Irr.voClIlI. .ppo~nlm.nl of Ih. a hit .poll" It.n .g.nllo IIc,Iv.I'" IIlllnd. o I do not wanl cllllcl d.po.IIO' mVf"llnd or .mADlllc.lvlng. "'llnd. It I It.v. 111.11. b.lanc. dll' IIlu,n, Illndlf.lltld 11'11111 Ih.lAS dOli nolllC.lvl fllll.nd Ilm.lvp.ym.nl 01 mvI.. hbll&ly, I will,.m&in lI.bl. 10' I'" tu Ullllllyltld .1I.ppllubl.lnl..llt.nd p.n.IUII. II l It.v. liI.d 'Iolnl F.d.rl,.nd .111. Iu IIturn .nd Utll.ll.n .no, on mV'"1' ,.turn,llIndlf.l.nd my fld.r.IIIMn will b. r.J.el.d. Undu p.n.ll111 of plfJllry,1 d.cllr.lhat Ih.lnlorm.lIon I h.v, glv.n my EAD .nd lh. ,mollnl.ln PIIII.bov..gr.. wllh Ih. .mollnl. on Ih. cO'lI.pondlnll IIn.. 0' 11'1' .11C1t0n10 po,llon 01 mv 1111 F.d"lllneom. ",.,.Iurn. To 1h. bul 01 mv "nowl.dll..nd b.lltf, my IIllIrn I. tru., eon,cl,.nd compl.I', I conunllo my EAD ..ndlng mylllurn, Ihl. d"II.,.Uon, 11I11 ICcomp.nylnll.ch.dulll ,nd 'I.t.m.nl. 10 1111 lRS.I.11O conunllo Ih,lAS IIndlng mv EAD .nd/o, tr.n.mllt" In acknowl.dll.m.nl 01 IIC,Ipl 01 It.ntmlulon .nd ,n Indlulion 0' wh.1hl( 0' nol my filum I. .eClpl.d, .nd,lllIluI.d, 11'1. III.on(.) lor Ih.lIl.cuon.lllh. p,o,,"lng 01 my fllurn or IIlundl. d.lI.y.d,l.ulho,11I 11'1. IRS 10 dltcloulo my ERO .nd/o, It.n.mUlI( 11'1. "..on(.' fo, 1"1 d.IIV, or wh.n Ihl f.lund w.. lint. ~ SpOllll', ,ill".lu" (II jolnllltll,n, BOTH mu.' .lgn) See Instructions. 0.1. 0.' InBlar ERO I dlClI,. Ih.11 1'1''1' ,.vi.w.d 1h. .bov' IUP'V.t'.lIturn .nd Ihlllh. .ntrlll on Form 1413 "' compl.l. .nd corrlCl 10 Ih. bul 01 my knowl.dg..llllm onlyl COIlICID', I.m no' rllpon.lbl. to, flvl.wing Ih. flturn .nd only dlCltll 11'1.1 Ih~,'orm ICClJral.ly ,.tl.cl.lh. d.l. on th. fllurn. Th. I'MP'Y" will h.v. .Ign.d Ihl.lo,m b.'otll,lIbml' Ih. IIMn.l willglv.lh.IUP'Vtr. copvol.1I torm' .nd into,m.tlon 10 b. fII.d with th.IRS, .nd h.v. follow.d.1I a1hlt "qultlmlnl,ln Pub. 1341, H.ndbook fa, Elut,anlc FUI" at Indlviduallncom. T.I R.lu,n'ITtIY'.' 1111111. II I.m .1.0 Ih. Paid Ptlpat",loInd" p.n'1I1I' ot plrjllty, I dIClltllhl,1 h.v. ...mlnd th. .bov'IIIP'Y'r" tltll,n .nd ucomp.nylng uh.dulu .nd .lItlmlnll, .nd 10 lhl bill 01 my knowlldg. .nd b.litl, 1h'yll' tru., COfflCI, .nd compl~I', Thl. dlClltltion II b.ud on .lIlnlo,m.llon 01 which I hav' .ny ",nowlldll" ERO'. USB Onl EAO'. .In.luft Flrm'.nam.(o VOUrl Ifnn..mploy.dl and add".. 1/28/97 R BLOCK EASTERN TAX SERVICES A JONESTOWN R HARRISBURG PA you, loclalllcutllv nllmb" 188-32-4630 fiN 43-1632899 lIPOD"17112-0000 D.I. Undlt p.nalUII 01 ptrlury, I d.clt" 11'1.11 hn' ,M.mln.d Ih. .bov.I..p.ylt'. fllu," .nd .ccomp.nying IChldulu .nd I,.t.m.nll,.n'" 10 Ih. bill 01 my knowl,dg. Ind b.h,t,lh.y '''''101', co,tlcl, Ind compl.t.. Thi' datllration 'I b.ud on .lIlnlorm.Uon ot whlth I "..... .ny IIno'#lll.dg.. Dat. Chit'" 0 Pllp.,.r" I'nll- .1 nllllrl 1m 10 Id fl,m', nam.(or vou" Itl.Il-.mploy.dl .ndldd,II' PaId Preparer'. UI. Onl I<lIA p"p.r.t"'oclalu~'ilynO. fiN ZIPcudl Form .453 (1 9g6) Fcrm 1463 (18"1 FDI453-1V"..3 hrm 00"'11'II11' Copy,lght ll1U HAA Block Tu S.MCII, Inc. Form D.p.,I..n1 01 'h. T,UI."" ..ln1.,n.1 R.....n...a.'WlU 1040A II Labll See la, L A I LORI A ESTACIO L IAI Un Onl -- 00 not writ. or. I. in Ill'" .GI, rlnllnAU. CAPITAL U!TTEIlS. OMBNo, 10040_ Vour....... aecurIlyno. 170-56-1809 Spou........... aecurIly no. ~ g 420 BOXWOOD CT MECH, PA 17055-4608 For Prlvley Act Ind Plplrwork RlCluctlon Act Nollel, III pg. II. No": Chacklng'Y'"WIll nol ch.ngo your IIll or Vo, No X Prl' dlntll. Elecllon Campaign Fund (Seepogo 10,) Do you WillI f:! \0 go kllhl.fund? . . . . Inl 'olUm _ un UII w.nl 10 10 IhIo fund? . 1 81ng11 a MlI/l18d IUlngJolnl,"IUrn(8V.n~cn/yone h.dlncomo) 3 Ml/l1Id fIllngllPlIllI ,.IUrn, Enlll' OPOUII'llOclllllCllrlty number IbOv.lI1dfulnll'l'llltlWo. ~ 1 ~ Ho.d 01 hoUllhold (wtth qualllytng plllOn), (See pogllO,) IlIho quallfytng pO'lOn II. chUd bill nol your dopl/1denl, .nlll' \hII chUd'l nll'l'lll hII', ~ Quail I widow.. with ondonlchUdl III ou..dlod 19 ' So. 10, Vou,"",. II you,pllonl (0' IOmoono 11II) cln claim you u. dep.nd.nlon hi. 0' h..1Ill ,.IUm. do nol check bod.. b .... . Dop.ndenll: II mo,.lhln aIlI I F~"NIlT18 RICHARD LINDSAY LlaINI/l'lII ESTACIO ESTACIO d Tolllnumborol.. Uan 7 Wog.., .11.,101, UpI. ole. Thlllhould bo ohown In box 1 01 you,W-210rm(1), Anach Form(ll W-2, II TUIblllnl8r..llncomo.1I over $400, .Rach Sch.dule " b 1Il-0XI IInler..1. 00 NOT Include on line B., o Dividend.. II over $400, ouoch Schedul. 1. 10. TollllllA dl.Ulbllllon., 10. S 11. Tolllp.n.1a11l Ei .nd .nnulll8', 11. sl . 12 UnomPIovmentcol11ll0nBluon 131 5oclll88CUrlly . bon.III., 131 sl .14 AddUOO811hrou h13b larr hi column . Thllla ourtotallncam.. 11I1" Your IRA doducUon 100 a 822 . . b B ou..'oIRAd.ducllon .... .22, . 0 Add in.. I Ollnd 1 Ob, Th..u,evour 10111 odlu.lmonll. II 11 Bubuacl Un. lOe I,om line 14, ThI.11 ycuradju.11Id 11"'10 Incomo. ;; II undOl $2B.400 lund.. $8,000 II. child dldn11lv. wllh you), 1...lh.ln.Uuc~on. 'or Uno 29con PIQ829. KBA AUlchCOPyEloIW..2.ndl000-llhor., EFIP Form 1040A I1BH) FDI04DA-1V \.15 hlllllon..,. (;op"lliIhI1111 H'R 810'" Tu 4.rvlc.., In" (4) No. 01 manU" livid In ,our h.m. In ".. SON DAUGHTER 1 1 ~ :. :1 Ibl , sl lOb Taxlble amounl (... . .20), IObll lIb Taxabloll11Ounl 1....P.g.20), llbSI 12 s 13b Tax.bl. amounl (....p.go22), 13bSI ~ 14 s 150 S labS 1&0 II Ho.oIN-" chlcU. ,n IJI ...nlllII No. 0'''.'''' oh.ld,en." lin.lo.lulI; .t....4w1lh ~ )'ou ~ . didn.'..... with .,'Yd'" 1041"'0""'D ..,,,.lIon (II' p.g. 111 D.PI'U..,.I'D onlonol .nllrtlf.Do.... Add n...tlet. .nl.,.4In bOl...b..... 39,62f:1 1 . 39.634.1 ~ IIsl 39,634.1 1811I Form 11144A P'1II1 ~ c:> '" o ~ ,. e e old <Il ... e!:! g III 0":& it < :c . j~ ~ ~ . z Q "'- o u. .. Ul := 1- -... ~~ ~ ... ~ ;:: . w ~ . .. 0 d f . ~ a ~ . . . :.: ." " . p,,\ -' r-\ Tc.::... , '. RICHARD A. ESTACIO. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-6033 CIVIL ACTION. LAW IN DIVORCE v. LORI A. ESTACIO, Defendant PLAINTIFF'S PRE-TRIAL STATEMENT PURSUANT TO Pa. R,C.P, 1920,33(1:) 1. (I). Marital Assets Dale of 8wt ~alue Valuation J.mni A. Marital Residence 130,000 Present $121,000 1016 C~stal Creek Circle Mechan csburg, PA 17055 B. 1988 Honda Accord $1,000 Present N/A C. 1990 Acura Integra $5,000 Present Unknown D. 1995 Honda Accord $3,000 May 1993 N/A E. Refrigerator $ 500 Present N/A F. Camera $ 300 Present N/A G. Bedroom Furniture & $1,200 Present N/A Accessories H. Swing Set $ 400 Present N/A I. Camcorder $ 650 Present N/A J. TV $ 150 Present N/A K. Washer/Dryer $ 300 Present N/A L. Couch/Chair $ 250 Present N/A M. Couch/Loveseat $ 200 Present N/A N. Tools $ 150 Present N/A 1. (Ii.) Non-Marital Assets A. Plaintiff believes and therefore avers that Defendant has acquiied assets party should pay his or her own counsel fees. 9. (;)isDute as to Valualion of Tanaible Personal Prooertv Defendant Is unaware of any dispute as to the value of any tangible personal property . 10. Marital Debts A. Mortgage on marital residence. $119,00 at the date of separation. $121,000 initial amount of debt. Husband has made all payments In average amount of $1,100 every month since May of 1993. Print out of payment history from CIT- FED mortgage company will be offered in support of Plaintiffs claim for credit. B. PHEAA Loan - $12,720 owed on date of separation. Initial amount owed $25,440, originally Incurred In August 1985. Purpose of loan was to use for parties' living expenses and other various purchases which benefitted both parties equally. None of the loan proceeds were used for Plaintiffs law school tuition. Defendant has made all payments since May of 1993. Print out of payment history will be offered in support of Plaintiffs claim for credit. C. PNB Loan (second mortgage) - Loan incurred April 26,1993. total amount $26,919.60. Amount owed at date of separation was $26,919.60. Plaintiff has made all payments in the amount of $450.00 monthly since May of 1993. Purpose of the loan was to consolidate parties' joint debts (credit cards, balance of car loan). D. CW Fritz repair bill- $189.00; PP&L (to be supplied); Dr. Thompson - $165.00; Hampden Township - $208.34; Bell Atlantic - $229.17; Sprinl bill - $400.00. pov Period: p,V Doll: ChecIc .: 10 7/1/l{Q7 ~PAY xeD HEPFORD, SWARTZ & MORGAN ATTORNEVSATLAW 111 NORTH FRONT STREET HARRISBURG, PA 17108.0889 Earnings Statement ' 7/01/V7 7/1/l{Q7 ....7 1"1lk>\'H N\HT'IIer. ~ N\Hriler. Iacl-' hcurlIy Null'Ilen MiII1IIllltlluo: NutTDIr 01 AIloMnCN: RIle: 0038 20 203.110-1111' SlNOLE 01 RICHARD A IlSTACIO 1018 CRYSTAL CRK CIR MIlCHANICSBURQ. PA 17088 .llL - - "CUI .IId Elm... TlJCo. .nd O.ductlON Cf on au, Th'. porlad V...,.To- 0 Ooocr ,lion hi. Po, eIIr. c> 0 8ALARY 24118.33 319118.29 FED WT 263.21 41143. 111 FICA 1811.06 2444.81 PA 8T 611.83 894.79 CITY 24.118 319.64 OARN . 172.43 2241. 69 PENSON 842.R5 CR/UN 8911.37 , ; 0...... P.v VII' To 0.10 0'0" P.v Th . PltI'lad TolIl Do_lens Th . PltI' od Hot Poy Thll PltI'lod $31,968.29 $2,468.33 $2,468.33 $.00 ~ 1040 Label ISle pagalll Filing St81us Ch.ck only one box. Exemptions If m0t'8 than SiK dependents, see the instructions for line 6c. Income An.ch Copy B of your Form. W-2. W-20, .nd IOOO.R h.... II you did nol g.' a W.2, S88 the Instructions for hne 7. Enclose. bul do nol anach, anv pavment. Also, please enclose Form l()olO.y (s.. Ih, Inslrucllons 10f' Ime 621. Adjusted Groll Income [". ~.", ollhe T,..~1ntemaI R~ Sen'tce U.S. Indlvldulllnoom. Tlx Return FOf the yMI Jan. 1~. 3t, ,. or odW tu ~@96 . 1M. tndIng (2) IflS Ute Only-Do nul WI.1. O' """" ~11"'1 ~. . 19 OMS No 1545.007' Yow locial lecurity numbet L . I . L H . A . fin mKI- bCl- !)!)(,!) ~'it!fl ::-'0 Ipou..'. loci.. Itcwtly numbt R') CHI'lRO tl ES1I'1C](l Jot c. CRVS11'1L CREEl< [lR MfCIIAN1CStlURG PI'I J1C1f)5-1!)~)1 I R 5 00 you wanl $3 10 go to thlafund? . . . . . . . . II I inl ,.Iurn, _ ur I wanl $3 10 0 10 Ihil lund? . d 7 Ba b g 10 II 12 13 14 IBa lBa 17 18 19 2011 21 Total numbel of exam lions clatmed Wlges. salaries. Ups. .tc. Alloch Form(s; W.2 T...bltl inl....t. AIlICh SchoduIe B II ov.. $400 . T......mpl int.rest. DO NOT Includ. on IIn. 8. Dlvld.nd Incom.. Al1lch Schedula B If ov.. $400 Taxable refunds, credits, or offsets at Itate and local Income taxes (see Instructions) Alimonyreceived . . . . . . . . . . . Business incom. 0' 00..), Allach Schedul. C or C.EZ C.p~al g.in or 0088). II required. .Il.ch Schedul. 0 . Oth., gains or 11<>.....). Alllch Form 4797. . . . . . . . , . . . . . Tol.1 IRA distrlbutlona. . lJ!!.J -1--J b Taxabl. .mounll'" ins!.) Total penSions and annultIaa lJ!!.J -1--J b TaxaJ>. .mounl (...ins!.) Rental real eslatl. royallles. partnerships, 8 corporations, trustl, etc. Attach Schedule E Farm Incoml or (10..), Al1lch Schedula F . . . . . . . Unemployment compenllUon . . . . . . . . . . . . . . . . . Social ..cunly banaln. . I 20111 I I b Taxabl. Imount (s.. inst.) Other tncome. Lilt type end amount-slllnalructlons ................................ lib Add ih~' ~;';~i~ i~'th~;~'~' hi .~~i~~.i(".i~~.~ j'ih;'" 'h 2'1' :Thl~'l~" ~r' t~tai i~~'~;';~'.. 23a 23b 24 2& 2tI 27 28 28 Cal No II ):,on '0' help nndlng Ilne lnatNctJona, 'M ,.11" 2 Ind 3 In the bookltlL V.. No NoI': cnec"'Q 'V.s"wrHnor 'hMlg. rout w at rtduc. '(OUfftAlnr. , . ll: 9 10 11 12 13 14 16b 18b 17 18 19 2Gb 21 22 { -: !~I/.' 22 1:18 Vcu' IRA deduction (I.. .,IINction.1 . , b Spouse'llRA deduction (lee Instrucllons) . 24 Moving eapenlfll. A<<.ch Form 3903 or 390J.F 25 Or',..h.1I 01 ..II.amolo)'l11,,"II.., Al1lch Schedull SE It linG Jt IS under ze Sell.emploved health Insurance deduction (see Inst.). S~8.495 (unO.' 27 K.ogh & loll-amployed SEP plans. II SEP, ch.ck . 0 $9,500 II. chllri 28 Penally on lItIr1y wlthdrawa' 01 IIYlngs did nal hVd Wllh ycu), s.. tho 28 Alimony paod. Rae",,""I'1 SSN > I"slruchans lor 30 Add lines 238 through 29. . . . hne 54 31 Subtract line 30 trom "",22. This II our ad ultld ro..lnaom. for Pri....cy Act.net P.perwork Rlductlon Act NQtlc., ... ~gl 7. Single M.rrled filing Joint ,al\.lll (Ivan II only ona hid Incom.) Mallled fi~ aaparIlI "Iurn. En'ar 1jlOU..'. socllllOCunly no, Ibc... and IUl name hili, . H.ed 01 houIahold (WIth qualifying par.onl, (Sea ,n.truction.,)If tha qu.hlying p."on i. . child bul not y<> d.pendant. ant.. thl. child'l naml h..., . 5 Ouali i wkI e wtth ent child ear s 5e died .. 19 . See Instructions Ba 1KI vcu...n. If your parent (or aomaano .1..) can cl.lm you .. . dependant on his 0' her t..} No, II 10.11 ~ retum,donotcheckbox6a. . . . . . . . . . . . . . ,. uIUrid.. 1" II." "1"". b CJ SpoUM. . . , . . . . . . . . . . . . . . . . . . . .. No. .I"llf o Depende"": ( epend.n!'s SIX"I (:II pendenl S (4)"0 01 monlM d1l1l1rn 1ft U.. ItcUllty number. 11 born rel~on~lp 10 IMd In rovr Ie wIlG (11 Fisl Nme lUl nlrTlI In Oec, 1996 Set In,l IIome rll996 : _1 . Ilrtd .ni ,.. '1~1' '"7r1t('(J l~lt ,-,II\.. t,.. .d....tIlnwtti rautluII..twom If "p.flU.. (SI.I"swclI."I_ D.p....1ltI on It 101 .nllrlll IHwt _ Add lunlrs ,nt.ndo, II... .,." . I ,~ ! '., : I ~,'-. "->>2 ::>~- ~~~.' ~~~~ ~~.:'-S ~~ ~~>' >;:;"-\;- 'i&\ $":;: ~ ~~: 30 31 ,) ~ /_. ,I room 1040 I' Form 1040 Ili96J Tax Compu- tation If you want the IRS 10 figure your lill(. see the Instrucllons lor line 37. Credits Other Taxes Payments Anach Forms W.2, W.2G, and 1099.R an lhe front. Refund Halle it sent dllecllyto your bank accounl! See Insl. and 1111 in'" d GOb, c, and d, 81 Amount 82 You Owe 32 33lI Amount from hne 31 (adjusted groas income) . . ., .,. ChICk il: 0 You 1'1'" 85 or old... 0 Blond; 0 SpOUI' 1'1" 65 or alder, Add lhft number of boJl.1I chacked above and enlot 1he lotal hOle. o Bhnd. .330 32 1 1~~~ R.0' .~~~::. i~ Pdg_ ~ ,., I,' I: k ',l.:: I :.:,,1.. .' b If you are married filing uplr.tel,;, and your spoule Itumlzes deducllonS or you were. dual'ltllul ahen, lee inllrucllons and check here . ., 33b 0 I It.mlzed deduction. from &hodule A, hne 20, OR Enter 81.ndard deduction ahown below fOf yOU! flhng italus. But seo thd the inSlructions I' you checked eny beM on hne 33a Of b or samounfl 'Arv.r can clam you .. I dependent. ~~,: I Single-$4,00Q I Married filVlg iOtnlly or Quahfylllg Wldow(or~_-'fj.70{) . Head of houaehold-S5,QOO I Mamed "hng separatoly-S3.350 Subtract line 34 f(om line 32 . If hne 32 il $88.475 or leu. multiply $2.550 by tho tolal numbor of eMompllons cJallT10d on line 6d. If line 32 is ovet $88.475. see the worksheet in tho Ins1. for the amaunllo enter TalClble Income. Subtract line 36 from line 35. If line 36 ir. more than Iino 35, ontor .0. TIIC. See instructions. Check If tolal includes any taJl. from I 0 Form(s) 8814 b 0 farm 4972 . . . . . , . . , , , . . . . . . . . Credit for child and dependent caro expenses. Attach Form 2441 39 CradlllOf the eldarly Of the dlSablad, Allach Schedula R . 40 Foreign taM credit. A"8Ch Form 1116 ..... 41 Oth... ChICk II from. 0 form 3800 b 0 fonn 8396 cO fonn 8801 d 0 farm (,peoify) Add lina. 30 through 42 Subtr8clline 43 'rom Une 38, 11 line 43 Is more Ihan line 38. enter .0. . 34 3tI 30 37 38 39 40 41 42 42 34 ,,~\ ~~'" $,..,',; 35 ~ 38 37 ~ 38 ~ f , l !. ~ . I" t, I I' I' '''''- 82 ,~~:-c~,,- :<':i~' .7~~~<:~r _I~_.___---_.:.-_- llllrlllhl Und,f penalh.s 01 pelJury.1 declar.IhJII h,v,".nm,ned lhl' 1.1UlIlllnd il(cOf1'l!JnIlYlnll Ichedull"\ amt \1.llelllll/llS, amJ 10 llltl be,1 ul Illy hIlOYwlt'<lllfO beliel. lh,y Ifllll.il. COIII"l, and complell. OIclar.hun 01 p181k11111 101I1dl Ihilll laApav"'} II b.I!.t1u on alt 1"IOffflilhull 01 Ywtur'll r,fAp,lroll 11.1$ ,lily "'lIlwl, 43 44 45 48 47 48 4g 50 51 52 53 64 55 58 57 58 59 50e Self.employmentt... Altach Schedula SE. . A1lernative minimum laJC. AUach Form 6251 Social security and Medicare tall on Up income no1 reported 10 employer. Attach Form 4137 TaM on qualified retirement plans, Including IRA!. If required, attach Form 5329 . Adyance earned income credit payments from Formls) W-2 Household employment lalCes. Attach Schedule H. Add lines 44 throu h 50. This is our total tIX . Federal Income .al( withhold 'rom Forms W-2 and 1099 1996 estimated Inx payment' and amount applied from 1995 return . Earned Income credll. Attach Schedule EtC if you have a qualifyIng chIld, Nonlaxable e.mad income: amount. I L-J ~ and type. ...........................................,....., 54 Amount paid with Form 4868 (request for extension) . 55 eMcess social security Bnd RRTA talC withheld (see inst.)., 5& Olher paym.n19. Chack if 'rom .0 Fcnn 2439 b 0 fonn 4136 57 Add lines 52 t!'uou h 57. lhese are our total menta . ." If hne 58 is more than line 51, subtrecl Une 51 trom line 58. Thl5 i5 the amount 'IOU OVERPAID Amount 01 line 59 you want REfUNDED TO YOU. . . ~ Routing number CIJITITII) c TVPft: 0 CheckIng 0 Savings Sign Here Kftep B ctJpy 01 thiS return lor yuur records Paid Pre parer's Use Only ~ . (, ~ ~ .1'\t ~ b 83 Account number Amount 01 Ion. 59 ou wanl APPLIED TO YOUR 1111 ESTIMATED TAX . If line 5115 more than line 58, aubtract hne 58 from linn 51. Tlus is thu AMOUNT YOU OWE. For details on how to pay and use Form 1040.V. see InslructlC!Il:\. . . .'" estimated laM enalt. Alia Include on lino 62 . 83 ~ ~ You, .,gIlOhl'lt 1l.lh~ YOllIO,',III1:llIo" ~',~~__~~'_L_ (hlltl ~'1101I5U" UI 1.lIp.11"111 , .. ~ - . '-". - ~ spous.... S'l'Jf1.1IuII II. 100nllllulfl. HOBl mu!ol ~1911 . 43 44 45 48 47 48 49 50 51 PIUp.l'I", .... !o1l11l.llure , FInn'!, Ililme (01 yuu'~ ~ ,t MIII.emploVed) Inlt o1llc1'p~s LJlIllt -~- '. 1'1 "I~."r t.. .', " L .'1 '.11 ~,I'l: U"') vll1clt'l ~~'I~\~'l 1.J _ . ._ __. ;_~ _~_____ 58 59 eo. ::~~ :~';\~ "'~\:: ' .~..~ ~;:, >,~,} ;~~ .,~", "":-'::':.~~' eOllOllllLII LIIO IIILI IllOlllel eOl.111 0.1. Ol'lrtlllt of 1001119 114 Urbll OI'llo,lllt 011 10. 1111.1111 fitl. taluflue. lo.Dt243"e. I. .ettle'lat Statt.Iat .. 'tot of tou 1.( 1m 2.( IfllA 1.( lem. Valli. I I.rllI aulbl! I1,LOII hlbH IUort,l,1 Imum ellllo. 4.r lVA S.I ICon. tu. I I I e.lotl. Ibll lorl II lurlllbl4 to ,1'1 101 I Itltllllt of 10tuII Ilttlllllt oOltl. IIOUltl 'lid to 114 bl tbl Ilttlllllt 1,IIt Irl Iboll. Itlll Ilrtld '(,.0.01' Ilrl '114 outl141 tbl 010111~1 tbll Irl Iboll blrl lor lllorlltlolll ,ur,olll 114 Irl lot IIol141d II tbl tOUll, 0.1111 lid 144rlll 01 10rrOllr IIoblr4 A. Iltlclo 114 Lori A. Iltlolo 11.1111 114 144rlll 01 '1111r I DI,ld e. Coot 114 ebrlltl I. Coot I I I I I Ir.1111 lId Iddrlll 01 LI141r I Ibl Blrlblr lilt I I 1 1 I O.'ro,lrty LOOltlol Lot 10. I. Iloot 'C', .111 01 Crllk,III 1.lltt11111t Afllt COllOOllllth Llo4 Iltll Illurllcl COlD II' .IICI 01 'Ittlllllt II.lltt1111lt Dltl 11 SOUIB uml SQ, som H. I HARRISIORG, 'A 11111 I Olcllhlr I, 1111 Ilro I. Illtb III I I. 10llARI or IILLII'I IIAIIACIIOI III. 01011 110011 001 10 IILLII m.coltmt 1I1e1 ,rlcl 121511.11 Ill.'lrlolll ,ro,lrtl Ill. hlD4eo 10lOlb1D. Cnberhl4 Countl. II J. 10llAII or 10RI0111'I IIIIIACIIOI III. 01011 IIOUII 001 rlOl 10110111. 111.Coltrlot IIIII ,rlol 117511.11 Ill.'lrlolll ,ro,lrtr lll.Slttlllllt cblr,11 to horrollr (1111 1111) 1711,81 Ad1ultllltl for Itlll DI14 h, Illllr II Id'IICI Ill.Cltyltolo UIII llIellll to 12/11/ll 11.71 Ul,Coulty UIII to Ul1l, lIB.SCHOOL !AI Illlltll to 16mlll Q5./Sm.u IIl.hlm/lmr 12/81/91 to 1lI811ll 1'.7t A41ultllltl lor Itlll 0114 h, Illllr II Id'IOCI 116.Clty/tolo till I 11/11/91 to 11/11/11 II1,Couoty tllll to III.ICHOOL IAI 11/11/11 to 81/11/11 m,Rllm/Smr II/U/ll to 1l/ll/l2 m.1I 1'.7t Ill. ~ROSS AIOOII DUI fROl .ORRom III. AIOUIIS 'AIO II 01 II IllALr OY 80RROIIR 111.DI,ollt 01 Ilrlllt 10111 Ill.'rllcl,11 II0Ult 01 III 1010(11 281,lllltll' 1011(11 lit, 185, 216, Itl, III, 111. 1ll,Cloll09 COltl '114 hI Sllllr Ad1alt..atl tor it... UDDlld by 'Iller lIl.Cltl/tOlD tuu to Ilt.Couoty tllll to 118, 10lAL .AID IY/IOI IORROm III. YOYAL Al SIYILIIIII IROl/IO 10RROIIR 111.Oroll II0UOt dUI Irol borrollr 11101 1111 1ll,LIII II0UOtl DI14 bY/lor borro'lr 11101 1111 lIl. CAIR l(nlllOll (( I 10) BORROm 10RI III IHI} C;'I.~.'r f';,"'-4n ((..,..,:.1 r.'''J ......... ~/-y '34.., C ifM'" 6,/ ;..,,,. ,"''''...... rl.i"~Y"'.,I~ J"",_" (1.1',....... ,.l-l(~ 'II. 11.71 m. OROSS lKOOII 001 136166.11 ro BILLIR lIB. RIDUCIlOIS II AIOOII 001 YO BILLII 6118.11 111.DI,ollt of .Irollt lOllY 121818.01 111.llttlllllt cblr911 to IIl11r (1111 1111) 111,lllltI0, 1011(1) 11',L!111 lort9191. OSA 'Iyofl Ilrlt lort,I,1 1111111111 m. 516. Ill. ltI, m. 1588.11 111.Clo1109 COltl ,lld by Bllllr llUlI.18 tlll8.11 Bll56.11 3\11,11 A41ultllltl lor Itlll 10Dlld bY IIl11r 11l.Cltrltova tlln to lIB.Couot! tllll to Ill. 10lAL IIDOCIIOI AIOOII 111811.81 DUI IILLII 1111'1.11 III. CABB Al IlrrLIIllr 10/rROK SILLIR 1l6l66.33 iIl.OrOll nOllt 4ue to Itller (lIue IlII 121111.18 111881.86 611.LIII rl4uotl011 10 II0Ult 4uI Illllr lllol 1111 1111'1,18 m. CAlI l.m.31 ((II) fOI II IIROKI SlLLIR 11,111.18 HOO.I {1-B61 RIllA. H11165-1 _ /ou.v..J ., ,,'6, JJ D.2uue, L. IllfLIBllf Cl11GIS 111. fOf1L 11LIIIIIorll'I COBBIISIOI balld 01 Drlel I 111111,'1 I 1,11\' Dhhtol of cOIlh.lollfltu lit' II followsl 111,' ..11.11 tD fba Irudlotlal Iboaploo IDDd la,1 ratltl 111.' '111.11 to IIIBal 1IIItf IU.CmllllDllI14 It "ttlllllt "'" to .... IfIIlllfULI II COIIICIIOI IITr LOU ..t.Lm Ort,lllthl lu , "Um Ohemt , 111.lp,rlllal III to fbl HlrlblY lalk 11'.Crldlt Il,ort to Ibl Hlrablf lalk 111.Llldlr'l 10l,Ietlol III 111.0oeo.lot Irlp. fbl Hlrlbl' Illk 111.fll Ilf,lel 'II 'bl Hlrlbey Balk m. nus 11001110 B! LllOII '0 II lAID UIDmcr 111.Iltlrllt Irol lIlli/II tD 111Lllll I' 11.11 Iday Ill.80rtla,a 1010ralel 'rellol lor 11 10. to 011 111.lalard Illorllea 'rlllol 10f Irl.to l"'.II.lltlS DI.01IfID II'. LIJDI. II11.Hamd Illmm ' 1 u.1I I..t.rort,a,a luumel 1 u.1I 11l1.Clt, pro,uty talll 1110.11 IIIl.Cmty ,roplft, tUll 10.11 I..UCHOOL fillS 1 u.1I 11." ,If 10. ll.ll plf 10. 11.16 plf U. 'If u. lI.ll pet 10. 11.1. IIfLI eBlIGII tlll,latthmt or elOllu, lu to IItl.lbltmt or title lIarcb to tlU.fltll amllltlOl to 1111. mil luorma bludlf to 1I11.1111IS1Bm.II,0f! to COKBOUmn LUD fULl IISDIIICI CO tI16.'lttla.aot Cbarll to COBBOIIllLfl LIID 'lfLI IISORllCI CO (he1udll Ibon It III 10.1 I 1111.fltla IlloraDel to COIIOIIIRLfS LIID flfLI IISORllCI CO (Iochdll Ibon ltall 10" 1111 . 1111) tlIt.Lllder'l mania '1111..... tllI.Omr'l manll '1ll1l"'1 1111.011BOISIII CIIIII to COIIOllrlLfH L11D fIfLI IISORllCI CO tll1.IIDOlmnr U IUI to COlKOmmH LlID nm IIlUmCI CO Itll.IIDOISIB'lf '1 1111 1ffOlllf to COIIOIIIALfH LAID fIfLI IISORAICI CO 12... CO'111.11' IlfOIDII' liD '111S'II e111G11 IlU.lmr4l1111ll' Olld I 11." 10rtll,1 I Illl,Clty/coDOt, tlllltll'll Dlld I 1111.11 Bortlall I IllUtate tn/ml,l Dud I Illl." Bort,ala I Illl.IICOIDII;-lortllll RlllIDIIOt Illl.IICOIDIII-lt,. 'at. 11.11 .alellll' 13... lDDlflOllL ItffLIIII' CllaGl1 1111,'llt IDI,ICtlol lllUotary III IlIUud 'll,. 1114. htlf Tilt IlIUdoD lork 1111.llt l.doo feat to Bovlrl lilt CODtrol to fraef Ludvll to fba 'rudlltlal fbo.,aoD Vood Real Iltate to Joboatol Labl to lallol 11,lrolllltal to lellol Ilvlrolalltal 1111.fOfAL IlffLIKllf CHRaGIS (eotlred 01 Illel 1.1. IICflOI J AID "1. Sletlol II 1011 III ('-111 See pale 1 lor elrtllleatlol lId IIIoaturel lale I 01 lorl lppro'ld OKI 10, llll-'lil I IlID no~ I IUD IIOK 1 1011011I'1 I smll's I rDIDS Al I IUIDS If 1m." I smmm I smmm I I I I 1 1 I I 1l11," I I I 1811," 1 I Ill!." I IIDC '211.111 1 1 (IOC ,.....1 1 1 I 1 I ltI... I 1 lI.n 1 I 1 1 m.1I 1 1 IllI.n I I 1 1- 1 1 ".n I I 11.58 I I 281.11 1 I I 1 618. II I I 1 1 I 1 I 1 1 I 1 1 I 1 11.1. I I'.'............."............. 1 m." I 1..'1............1.........1.... I................,.............. It...'i,........'I..........,... I I 11.89 I Il,n 1 1 I!.n 1 I I I 11.11 I I \lI1." I I 1 I Il,n I I I I 1 1 I 1 I I 1 I I I 1 I 1 I I I l.m.81 I 8.89 1l11.89 I2.UI 1'.89 I,UI iU.UU lUG 11 1 !.UI IUU Il.iIt,tI N011l AND IICUIlITY AClRIIMIMT, Oat" Ape 11 Z6 . ,g' u NOnCl1 It cNcked 0 .... upar". l1efT\111llon or~ FINnCed. IIlf'ftilllbon 01 Amounl i=1rwad Amcud Fi~--- ~__ :n,:na... ~t-g;;en-iD vo.iditeciiY- The doll., ImCU'II the ctildll WIll COIl vcu. Amount F",inCed TOC81 01 PeYmn' The IfT'ICU\I 61 credIt '"'- WTIOl.Ilt you WIll have plld prOVIded to you CW1 aft.. you hIv. m~ all )'0&.1' behAl' j'c.hedJl1d ptymenll S 31_3!13.6. I a6,919.60 ----~ - ---- . . --~ ."old.en-you. iiCi:Giill. . .-AniUtt-~~d-iO-l;j*.Cil- your btNII -----IO-.pubilcQjiftCi~Ii.---- '1IlCIHTAGI IlATI The COIl of ywt credit II . yllf1y ,.... c;HAllQI 1.'000 "'. YfNt 'arment ....... Wlit be: f_ ;:_d-P~~:I:___?"~~~:~~_: """"1 You .,1 glviOQ . HCUnty int.,II' In; o Iho good. CI P'DPIfIY ~ng pu,cIluad. [~ (brill dMCtlpllOO of attw property) YOUR ,"O'UTY P1IIng '- . ~!.!O ~o ..... ChIrIeI If . PlyrntnI II 1111, you will be charged the ll..er of 3"" 01 !hi perm"'l, or $2&.00, buI In no ....enl '111111 the III. dWgI be I... than $10.00. 10 t I 6,Oll.81 ""'J'Mftt1 I )'ClU pay a" HlI)'. you will r'lOI hiII" 10 PlY' penalty. P8BCUPii.---- Sell your contrlCt docuNntl fat Wty additional infonnllion about nonpayment. dll8UlI, WI)' requlrtd ,epayment ir flJlI to blitclll1N ,c:heduIed dill. tnd preptymtnl I,fund, Ind penllll.l. . 5]1.16 The Annuli PerClflllQI RII', Amolwll Finr.ced ~ P.ymenl Schedull Ihown lbcNe .,.. pl11 Dr thll Nol. end Security AgrMmll'lI (~Ich I. called lhe "NoI." You .... ChI I*IClf\ (or peflOn.) who Ilgnl U -&orrower- or -co.Slgner. bllow. If mor. thin ani pel.on Ilgn. bilow, .ach 01 you \lil'lll be lIabl., ..p...atllv IIld logltfw. tot III of yOAJI promtlll in Ihll Noll, 5,666.915 . I mHn. ..- ..llmatl I""'"" p.yin.ni. Ar. Duo - - - - ----- -- -~ Monthl,;" beginning Jun. f -- - - - -,~lg-gJ- - - -- ----~----------- -- S ~- ~- - -- - - -. -- ---~-- ----- 10 InlUfWlCe campIflY' . ]6],15 ---...---.- PIICU VIlA ---,-_._- ------ 11,I\J7.17 pSicu-------- YOU PROMISE TO PAY TO US, PINNIYLVANIA NAnONAL BANK AND TRUIT COMPANY or to CUi order, II InY of our a1'flc:e.. the AtnOlXIl FinlflCld, plUI Inl...1I1 U proYI9d balow, In the runblt of equal monthly payment. Ihown In !hi payment SchIduf.. PaymgnlI .... U beglMlng on the dat. Indicated In thl Paymanl Schedull .,d on the Iwnl d.y 0' Itch following month ...,111 .1 If. plld In lull. You may PI'( In IdvIf'lC,l "'I or pan of !hi bal~ due at fitly tIme WIthout penalty or prpn..m. l. t'OW INTIRIIT 18 CHARQIDI The Flnlf'lCe Charge con.I.I. tw'Ily of 1nt1l'1I1 ImPOl~ dally on the out.l..-dlng ballnCl 0' the Amount Finanoed II the Annuli PIl'CIfllegl Rill. The AnIl'lCl Chlfql shown abovl wu figured by uunlng thll all payment. were rlCllved on their due dlllt. It If'IV payment II Ill" you must PlY motl AnlnCl Chlrpl th., i. .~ blOlUII 01 the Iddllional 1nt.,1II Impoud. II ';'00 PlY lilly, the Financed Chllgl will bll..., Thl tmoU1I 01 the Incr.... or dletlUI In FinIl'lCl Chargl wUI bl due With thl lul Plyment. v.ftlch will be modl~ed to rlllect the actual emount then due, hoYrttJ "-_.Mlttl AI .ecunty lor the promPI payment 0" the Il.ffl. you OWl and 1M propel' pttformlf'lCe 01 your proml'H In thl, Nolo, ~ou and all lhe ~I. ,Ignlng lHIow gr."t UI: (I) . lecurlfy 1nt.,lIt '" the following P*'1tw'l1I propef1y, If'Id Itl equip".lnt and 10011'01'1..; 2, '''-0''1 The law glvu UI . right of .11:-0" 10 In';' 0' your property In our potlH.lon at .IY time. including dlpotll 1CCOUflt1. Tht' mMnl IhIl. if you deltull.WI may axll'c111 our righl 0' .M-<l" and apply If'IY of your property In our pot....lon. IncludIng depottllCCOUl'll', 10 the ''''''1 ~ou OWl on thl. Noll. 3, OUr .ecurlty Inllflll IncJud.. Part.. called .aceI"lonl.. added 10 thl p.,lonll propll't'f at .,y Iller lime. (i1) I Mortn...., upon 1016 CRYSTAL CRI~1t DRIVI _ _______ 'LOOO ....URANCII II checkld, n, InlUrlf'lCl I. requlfed eglln.1 "ood dtmlQI __ 10 improved rlli proplfty' 01 mobllillOme CoIll!lfal. KlCHAJIC88URO PA 1105~1991 . Airlht prap.,ry which .ecurn-thi.- Noll II caJlidth."COlllleri[".6U,- fighll and C~"ponalbllill" reg..dlng In~ peraonal property Cotllllfal are p,oylded In thll ty Agrlln"llfll. which conllnuea on thl rIVer.. 'Idl. Our nghll in eny rHl proptfty Cdlatlt'lI "1 contained In the MOftgege, AI ~our ..penle, you Will coopII'ltI end )OIn wuh UI in Ilgnlng .,d filing document, and In liking any 12th" Ilep. \lIt\fch WI deem nKlllar; 10 perluc.l. mlll"'"n p,fleGIlCAl of, .nlJ ..,.'" cur .IOUIIIY .nl&rulln Iho Cellat"., flOOD INSURANCE AND PROPERTY INSURANCE MAY BE OBTAINED THROUGH IF NO REAL OR PERSONAL PROPERTY IS IDENTlAED ASOVE. THIS NOTO IS Am AGENT. BROKER OR OTHER PERSON OF YOUR CHOICE. 8M Inovronce In UNSECURED, SlCtlon 2.4 cI tho BIOUIIIY Ag,_ on Iho ,...,.. lido, CRIDIT INIUIlANCI II NOT RIQUIRID, Sublacl 10 accePlonce by Iho In,.,., named below. aradll Inov'once I. .v.HIbIl th'ClJIlh UI for Iho lann d thl. NelO II Iho COII(I) ahown bilow, Singl. Credit UII and Singl. Credil Accldlllt . HMlIh Inlurlnel are IVlltlbll to If1Y on. Botrowat or Co-Slgner 'Ignlng for Inlurlf'lCe bIIow. JOint Credit lIll InlUrance i. 1Y1l11b11 10 any two 01 you Ilgnlng lor 1ud1 "'Iurance below, No credit InlUranca will be prOYlded ...,IH' the appropfilll Illlemenl(l) It tlgood by Iho poI.IlIl(.) 10 b. In,u'ad and th. COII(') .hown below .,. ,_ In 111. _ Finoncod, (9.. Iho NOTICE OF PROPOSED CREDIT INSURANCE on the rlY"'l lide,) By .lgnlng, you wlnl Single CredIt UII InlurlnCl, whJch COlli . J6J.&! PROpeRTY INIURANClh II thl. Noll I. 'ICUred by Collateral v.nlch I. not In our ru....lon. in.urence eglinll phy.lcaI dlmegl 10 the CoIlarlfal il reqUired 101 the full term of thl' Nol., By Ilgnlng, you w..-t Slngl. Credit Accldenl & Health InlurlnCl, which COlli SO. 00 Sy .ignlng, you boIh wonl J..nt C'odll Ut. InlurlnCl, which COItl . WhIt.,.1 your O;U, YH/I I. Slgnaturl of pittOn to ~. inlurld-tOr Slnghicr8dIl[jj~-- Signature 01 pftrlCWl 10 tK' inJured - for Stngl'- InlutlnOl I Credit ACCident &, Heeltn In.urenee RICHARD A 18TACIO Whit I. ~DUr 1001 ]J Yearl WIlli il your agl1 V.ar. 2. y~. Signature. 01 both parton. to b. in.ur;cr-- lei JOInt Credit url In'u'lnC8 InlUl&r: ITIRUNG U'I INIUIlANCE (;0. THE ADOmONAlTEAMSANOSEi::-URITYAGRE-EMEm ON PAGE 2A OF 2A ARE PART OF THIS NOTE, SY SIGNING BELOW, YOU INTOND TO BE LEGALLY BOUND SY All OF THE TORMS OF THIS NOlO, \YO~A 0 ACKNOWLEDGE RECEIVING A COMPlfTOD COPY OF THIS NOlO, ~ '_~__~ 1015 CRYSTAL CflIEK D KlCRAHIC8DURQ PA IC~ TAC_I~ Addre.. _...~. _. tl)..Jtl.CQJ ~~~6 CRYSTAl. CREBK D .mCHAHICSBURO PA tcmr """Eb1X~fO Addr... BorrOWlt'.- Slgnaturl- 170551991 170551991 BOrrowe,', -Signature t NOnCE TO CQ.SIONIR You ... being __ 10 l/ueranl.. thl. debL n,lnk ceralully belo.. - you do. " the Bo"o_ dOMll't pey the deb~ vou will hlV' 10. Be IU.. you CII1 .lIord to pey " you hlv. 10, end II1It you win' 10 .ccepl thle reeponllbllltv. You IlUIY hi.. to pey up to the lull .mount 01 the debt " the Borro.... d_ nol pey. You rruoV .110 hlv. to ply.... _ or col*>llon 00'''' which Inor_ thle .mounL The Crldllor CII1 oolltct thle debt from you without nral 'rylng 10 colltct from the Borrow... The Crldllor cen UN the lime colltctlon llIIIhodl IIIIllIIt you 111I1 cen be ulld 1II.ln.t the Borrow.., .uch .. .ulng you. lie. " thl. debt .. ..., In d.faul~ IhIt fact IlUIY become . pert 01 vou, orldlt raco,d. Co-SIQNER'S SURETY AGREEMENT; You. the person (at potlona) .ignrng as .Co-S,gne,. below. prom!.. to paV to U', or 10 our order, the AmOU'lI Financed, ~Iu. lnl,,"t Ifld othlr chargea, III prOVided In this Nole. You Inlend 10 be IOOall)! bound by all the lerm. ollhl' kalo, loperatoly and logOlh.f, wllh tne Borrower. You are malm'O thll promtl. 10 lnduGI u. to mako the loan to tho Borrower, even !hough th. proceed. will bo Uled only tor Ihl Borrow.'" benefi!. You eg,.. that.. m-V .... Immedtate Plymonl trom ~ou Wtlhoul making any prIor demand for plymenl upon the Borrower. You allo acknowledgl receIving 8 campl.tAd copy 01 ttlll Not.. C~Sign.;I.-Slgn&lU'B- -.. -,-_.-..-_.---~-- C&Signl"rri-srgnature -- __H..____m____ ---- AddrOI'-- 001.------ A-ddro..----~--.---- 011.---- CO.oWNER'S SECURITY AGREEMENT: You. Ihe porion .tgnlng at .CcH)woe,. below. :ogothor With the Bortower or othei'Wl11 boong all 01 the ownl" 01 the Collateral. grant u. . llGUrlty tnlor.'1 In Ihe CoIllforal IdentIfied aboye. II the Collaleral GOOIIIII 01 perianal property. you agr.. 10 b. bound by the Ilrm, 01 the SecurllY AgreemenlCMlalned 10 Ihll Nole. It tho Collatoral conllll. at reel propeny, VOU .g'oo 10 be bound b~ the terml 01 Ihl Mortg.ge. You If. grenllng u. thl' .ecurlty Inllltllt 10 IOduGe UI 10 mike the loan 10 Ihlt DOHowe' and 10 ..cure Ihe p.ymont bV the Dorrowot 01 ..11 turn. doe under lhll NoIe. If, upon delaull end ..Ie 01 !hi Collateral. !here r8fTllln. any lurn 11111 due u. , Ihe Nota, you Will not bo obligated \0 pay UI mlt .urn Co-OWn.,'. SignalUl8 Acdre..-- --------~--------_.._----- Date-- NOTIC!. 8EE 2A 0' 2A 'DR IIAPORTANT IN'DRIolATION . " 111111111111.1.1. ADDmONAL TERMS RB11JRNBD CHBCK CHARGB: II you Nnd UI . check or olh.r hem In MUL TIPLB PARTIBS: IIth.r. ia more Ihln one Bo"ower on Ihia NOli or payment of awn. you OWl on thil Note and Ih.1 Item iI returned unpaid for one or more Co-Si.nen, all or your abll,_llona ,han be primary. Bach of jou any llUOn, .1 willlmpolC I Return hem PH of '''.00. will be ~fable, llepal..el)' and IGltchel, for III of your prOl\,tat.. in Ihit NOlo. DBPAULT: Th, lallmn, .r. Neh "Ocr.ultl": WAIVER: It .e doc",. tho unpa:d bal....", of Ihe NOli and earned interett (I) You '11110 mak, any payment CO UI on or before tho dly II come. duei to be Immediately due and PAyable, you wlivl your r1.htt to requlr. UI to (U) You prOYtde UI whh r.lM Infannltion or .1.naturcI I' In)' limcj do certain thin... ThOlO thinl' .re: (III) Veu dI. or become I.a.lly Incompetenl; (I) 10 dem.nd paymenl 01 .meunll due (known II "pr...ntm.nl"); (Iv) Vou do no' p,omplly .nd p,operly perfonn .ny 01 you, promlIC' 0' (II) 10 alv. noli.. Ih.. .mounll due h.v. nol be.n paid (known .. "nollce obllaadonl in. Ihl, Nolo, Ih. Security Allcomant, the MOrl,..e or In of dl.honor"); and any other noto or a.reem.nt you now or lal.r have wilh lU; (lil) to obtain an orneial certification of nonpayment (known al "protelt"). (v) Vou ..nnot pey .ny 01 you, dcbll II th.y .om. du.; (vi) Th. CoII.t.r.llI 100t, .tolen, damlaed or deacroyedj We waive the riaht to Irell Iny property other thin Ihe Collatenlal tlCurlcy (vii) Th. Collater.l i. aold. rranafened, leued, .iven or delivered, in whol. for thl. Note. A waiver of any other or our riahll under thil Note will not be or In pan, to a penon who i. not a party 10 tho Security Alreemenl or effective unle.. il II tn a Ilan.d writin,. Me....a.; NO NOTIeB OR LOSS OF RIGHTS: We ..n do .ny er 'h. lollowina (vill) "o<udlnl' arc beaun unde, Ih. B.nkrupl<Y Code by or ".In.t you: wilhoull.llina you 0' 100Ina .ny riahll .a.lns, you or Ih. CoIIIl...I: (II) Any jud,m.n'ia enlered 01 record .a.lns, you: 0' (I) ....pl . .heck or olher o,de, milked "paid In lull" or wilh .Imlle, (.) Any or your property II attached or lubjecl to beinl lorlelted. lan,uaae u a partial paymenl under thll NOle; DBFAUL T AND RBQUIRBD PA VMBNT IN PULL: II .ny D.I.ull (II) alve .ddlrio'lIl ~m. lor peym.nt 0' .ny .moun' owina under Ihl. Nele; oc:cunl wo may, If we chOOla, "Iccllerlto" Iho maturity of Ihle NolO. Thll (III) OlO",lIe, ,ive up or dolay curcialnl any r1.hla..lnlt any penon or mllftl WI mlY doclar. the entire remalnina unpaid balance 01 the Amount propcnyi financed and limed intere.t to be immedlalely due and paYlble. However, (iv) add or relea" any penon or property obll,lted under thie \-Iote; or II thia NolO ia lCCur.d by a Mortaaal on retldendal rtal property Collaterll, (v) laU 10 protecl or enrorce our Inlerllt In any of the Collater.l. if required b)' law, we will nnl Mnd you a limely notice of the Detaull, advilinl you 01 your r1ahl to cure the Defaull Ind of our Intention to take RISK OF LOSS: You will remlln bound by thit Nole even If thl Colllteral Ictlon If you do nol cure within tho time period provided In our notice. If wo il lOll, Itolen, dam.aed or dCllro)'ld. file In action 10 collect amoun.. In Dcrlull, you 1110 aaree 10 pay III or our BBNBftT AND BURDEN: All the benentl of thie Note Ihlll favor UI, 0111 court coati Ind our realOnable luomeya' feCi of 209& of the amount due. IUCCOllOn and a..lanl. The obllaltiana .hl\1I bind you, Ind your hel,., Out rlaht to collect anamlYl' fee. mlY be IImlled durina any cure period perlOnal reprelOnl.tivel and a..iIOl. p,avided by I.w. W. will ..nrinue 10 Impooe In,erOlI dally on .1I.urn. ow.d NOTICBS: Unl... olh.rwllC '.qul..d by I.w, ..ch d.mand 0' nolke under to UI .t lb. ute provided In Ihil Nole undl we receive payment In full, even Ihit Notl Ihall be delivered or Mnt by relular maU, addreued to the party al II we hav. ohlllned Judam.n' oa.11lI1 you. II. .ddr... II provid.d In thl. Nel.. Bllher pany m.y .hlna. III .ddreaa by LATS CHAROS: You .,roo to pa)'. lato charal or the lea.aer of S15.00, or a1vinllUCb a nodce 10 tho other pany. RellOnable notlee, when notiu fa 3'llo ollh. paym.n, .mounl, II .ny paym.ntia not m.d. wllhln 15 day. 01111 ,equlred, .h.1I be d..m.d 10 be 10 day.. due dec.. In no ovent will tho lal' charal be Ie.. than StO.OO. No lalo char.. LAW: Thll Not. will be .ovemed by Ihe lawI of Ihe Commonwealth of will be due If the realOn the paymenlll latl II a ,onllnulnl delinquency on I P.nnaylvanla, unle.. federalla"l apply. prior p.ym.nt or bcclUle, after derault, Ihe entire out.tandln. balane. beclme due. SECURITY AGREEMENT SBCTION 1. LOAN AND COLLATBRAL, Wh.n yeu .Ian Ihl. NOI. .nd deliver It to UI, Ind cocupl.t. Ihe other required detaU., we will make I lOin to you. Thia Security Aar..m.n, ,ppUOI only 10 penon.1 propeny deKribed II CoU.....1 on 'h. rron' .Id. ollhl. Nele. A. \IIOd In the lollowina Secrions .r Ihia Security Aar..m.nl. "you" .110 1""lud.. .ny Co-Owne, 01 Ih. CoII.IO..I. SBCTION 2, VOUR OrnBR AGRBBMBNTS, 2.1 OWN, SBLL, BTe. Vou own ,h. CoII.lOral".. .nd .Ie.. 01 .11 lI.ns and Meurhy InlcrulI. You will nol 1111, tranaler, leall, live, dellvcr or olherwllO: di.poH of tho Collat"al, In whole or In part, to any penon who it nol . pany 10 Ihl. Security Aare.m.nl. Vou will no' pannll .ny lI.n or ICCUrit)' Intereat to be obtained on Ihe Collateral other Ihan oun. 2,2 MAINTAINING THB COLLATBRAL. AI your .011, you will m.lnl.ln Ih. CoII"...lln aoad <ondlllon .nd repal,. V ou will pre..... II .a.11lI1 I... or damale. Vou will pay an la.el and other Chari" on the Coll.teral. You will nol \III Ih. CoII.lerol iII.a.lly or ler hll., 2,3 DBPOSrr ACCOUNTS, IIlh. CoII.,.ral.onslll. 01 . d.poall ...ounl e' certi,,"te of depoclil, we may rel'ule to aUow you to clOlCl the Iccount or withdraw .ny .urn. Irom h. II Ihe d.pool' ...ounl or .."Incelo 01 d.pooit maturll while the NOle remaloa unpAid, we will automaricllly renew Ihe depooit 10' Ih. lime rim. period, II provid.d In Ih. d.pooIl .aroom.nl, unleu you and we .aree Ihat the depolit .hould be renewed on other lerma, Th. "n.w.1 depooll .h.1I be CoII".1I1 .ubJ",lo 'hi. Security Aa,.ement. 2.4 INSURANCB. While .ny .um. ar. ow.d on Ihl. NOle, you will ceny intLlfaoce on Iny Collalcrll which t. not In our poutalon a.ainlt fire, thcrt and other CUUlh')'. Thl policy mlUt contain a deductible c:lauae Ind be In an amount and with an tRlurer that are IItl,'actory to UI. Tho policy mUll name UI II Ih. "I_payee." Th. pelky mUlt provldo Ih., .ny 10111. 10 be p.y.bl. to you and 10 111 U our Intere'lI appear. It mlUl allO provide that we be ,Iven nol Ie.. than 10 day. prior written nodce of any clncellallon or reduction In coveraae for any reuon. Upon requolI, you Ihall deliver the pollelCl, ccnifkalc, or alher evidence or Inauranee 10 lU. In the event of any 1011 or dam.le to the Collaleral. you will Immediately notiry lU In wrilina and file a proof of Iou wilh the Inlurer. We ma)' file I proof or Iou on your behalf If you r.n or refute to do 10. We may alia .Isn your name 10 any check, drart or other order for the paymenl of In.urance proceedJ In Ihe event of 1011 or damaBo 10 the Collltcral. tr it i. economically re.alble, in our judsmenl, we wHl apply the In.urance proceeds 10 repair or replace the Collateral. OtherwilOl we will apply Ihe proceed. 10 reduce the .um. you owe on thl. NolO. 2.5 NOTING OUR SBCURITY INTBRBST, II. .."m.... 01 1111. I. luued ror the Collateral. you will lullt UI In having our lecurtty intereat noled on the certificate of litle. 2.6 VOUR AUTHORITY TO U5, II you 1.11 10 do wh.. I. r.qulr.d 01 you by Section. ~.2, 2.4 and 2.5, we may Ir we choose, perronn your oblll.llon. and pay luch COlli and e_pe.lIc.. We will add the amount. we advance 10 the lurn. the Bonower owe. on Ihl, Note, on which we Impose Inlereat II r,rovldcd In thil Note. If you r.n to honor your promise. to maintain Muranel In effect. or to pay nllna rell, tlla or the COlli nocOlll1)' to keep tho Collatcrlt In load condition and repair, we may, If we a.",n. ChOOH. .dva"". .ny .urn. you p,omlaed 10 pay .nd oh..ln r.pl_m.nt lnaur.nce. However, an)' rcpllcemenllntUfance we oblaln to cover 1<<* or daml.. 10 Ih. CoII.....1 m.y be IImll.d to .n .mo",,' nol are.." Ih.n whll you ow. on Ihl. Nol.. Any .mounl w. .dv."". on your beh.1I wiil be added 10 Ih. b.I."". on whkh w. Impooe Pin."". Chara.. .Ith. Annual P....nlla. Rlla ollhl. NOI. .nd m.y be repey.bl.: (I) Imm.dl.tely upen d.mand; (II) .Iona wllh your monlhly peym.nll; or (III) II 'h. cnd 01 Ih. Note, II w. .Ione m.y .peelly. Ou, peym.nll on your beh.1I will nol cur. your I.llur. 10 perfonn your promlac. In Ihl. s..urity Aar..m.nl. 2,7 IN5PBCTION. Vou will pennll ua 10 1napcc:1 Ih. COII.....I al .ny realOnabll lime. SBC110N 3, NO LOSS OF RIGHTS. Th. Nol. and Ihl. Security Alreement may be neaotfated, a..faned, e.tended or renowed by UI without releuln, an)' of you or the Collat"al. Wo may add or roleue any penon or propeny obllall.d und., 'h. Nete .nd thl. s..urity Aa".m.nl withou' 1..lna our riahll In Ih. CoIIII...I, SBCTION 4. DBFAULT. A D,'.ull und., ,h. NOli will be . DeI.ull under 'hi. Security Aa".m.nl. In .ddlrion 10 .11 th. ri,hll and rem.dle. or a ...ur.d p.ny upon del.ult which ar. provid.d under th. Unllenn Comm...I.1 Code, upen ou, decl.rina 'he Note to be Imm.dlllely due .nd p.y.blo: 4.1 APPLICATION OF DBPOSITS. W. m.y .pply .ny d.poollll""luded In the CoII_teral a.lln.t the luml the Borrower OWOl on rhl. Note. tr the Collateral con.I.1I of a time dcpoalt or certincatl 01 depotll, we may I.nnlnll' Ih. d.pooll belo.. m'lUrity In ord.r 10 r..llze on Ihe Collete..I, II WO lermlnalo the deposit, the contract or depoait or Ippllcable Ilw may require that wo Impoae .ubatantlal penaldOl ror the early wlthdr.wal. 4.2 5URRBNDBR OF COLLATBRAL. We m.y "quire you '0 .u".nder th. Collaterll to UI at a realOnably convonlent plac. w. de.ilnale. 4.3 PBACBPUL RBPOSSP.SSION. II you don'l ..".nder Ih. Colllle..llo W, we may tlke posaeQlon of it, with or without leI_I procca, in accorda~ with law. You authorize us to peacelbly enter upon any premllCl where Ihe CoII.,...I m.y be locel.d 10' th. purpooe ol..klna poIICIIlon .nd "mavin,l'. 4.4 BXPBNSI!S OF RBPOSSBSSION AND STORAGI!. We m.y .harae you our rellOnablc upenae. in ropoueuin., trantporrins, repairinl, .torina and aelling the ColllcerallO long a. they are allowed b)' law. 4,5 SALI! OF COLLA TBRAL, W. m.y ..11. .ulan or d.Uver the CoU...ral II one or more puhllc: or private IIle.. We will give you "alOnable notice of the time and placc or IIle. We may pun::halO the Collateral at thai ...10, rreo of an)' equitable or legal righl or claim you may h....e In the ColI.teral. We will apply the proceeds or .ale fine to our expenae. and then 10 the .urn. the Bonower OW" on thll Note. We will pay any IUrpllU 10 you. U a lum I. ttill owed to w, the Borrower and Co-Signer must pay it to lU. NOTICE OF PROPOSED CREDIT INSURANCE The 5Ianer(.) or Ihi. Nole hereby lake(l) notice thai Group Credit Life Inluranee coverage andlor Group Credit Accident and Health Inlurance coverase will be applicable to thi. Note If 10 mlrked on the hont of Ihl. Note, and each luch I)'PC or coverage will be wrinen by Ihe Insurance compan)' named. Thl. Insurance, lubject 10 acceptanee by Ihe huurer, covcrs only the penon(.) Ilgnlng Ihe requetl ror .uch In.uranee. The amount or charae i. indicaled ror neh type of credll Inlurlnce to he purchlJed. The Cerm or Ihe Inluranee will commence al of the date the Indebledne.. I. ineuned or on Ihe dele ham which the Interelt or Finance Charae. accruc, Ir later, llnd will e:'lplre on tho orialnal ICheduled maturity date or the indcbledne... Suhje<:1 10 acceptance by the Insurer and within 30 day.! Ihere will be delivered 10 Ihe Insured dehlor(t) a certificlle or Inturanee more fully delCriblng the Inturance. Tn Ihc evenl or prepayment or Ihe Indebledneu, a refund or Insuranee chargel will he made when due. . NOTICE: SEE -.-A OfZA--FOR IMPO-RTANTiNFOR-MATION--'---~--'-----~--------~------- ..................4. RICHARD A. ESTACIO, plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 96-6033 CIVIL TERM IN DIVORCE LORI A. ESTACIO, Defendant MOTION rOR APPOINTMENT or MASTER Lori A. Estacio, D6fendant, moves the court to appoint a master with respect to the followinq claims: (X) Divorce ( ) Annulment ( ) Alimony ( ) Alimony Pendente Lite (X) Distribution of Property ( ) Support (X) Counsel Fees (x) Costs and Expenses and in support of the motion states: (1) Discovery is complete as to the claim(s) for which the appointment of a master is requested. (2) The defendant has appeared in the action personally. (3) The statutory qrounds for divorce are S3301(c) and S330l(d). (4) Delete the inapplicable paraqraph(s): (c) The action is contested with respect to the followinq claims: Distribution of ProDertv. (5) The action does not involve complex issues of law or fact. (6) The hearing is expected to take 4 hours. (7) Additional information, if any, relevant to the motion: Date: /'J~/9;J f . )(~;:JP-~ Attorney for Defendant ORDER APPOINTING MASTER 191JZ., -LIto/'rd- ~.duf:. Esquire, to the followinq claims: / AND NOW, , is appointed master with respect ~ \.. '-- " ". ('-.L":., .,. By the Court: \\((Lt.\ f~ ~l//' /J. ~-/ ''''? .- .~, 1'_, -,. (.J j- " " I~' - (..,: uti (,)" L<~ .._0 .J , ~ <') C"l ['4 l. j I... :..\~ , ,-- \.:. ," ;1 r:I"' r.'- .,,,. ,- \..:,'1.,' i,., II: n:: .. , . Household Child Household Child Week Week Month Monlh EXPENSES Home Morlgage/Rent ........................................ $ $ $~ $ Maintenance ...........,............................... $ $ L I~ $ UtlllUes (telephone, heating liD eleclrlc, etc,) ..,..........,.......................... $ $ $ $ Employment (transportation, 100 lunches) .................,.........,.,............,.... $ $___ $ $ TaKes Real Eslate ....,......................................... $ $ $ $ " Personal Property..,................................ $ $ $ $ Income ...............................,..................... $ $ $ $ Insurance Homeowners ........................................... $ $ $ bt, $ Automobile .............................................. $ $ $ $ Life/Accident/Health .............................. $ $ $ $ Other ........................................................ $ $ $ $ Automobile (payments, fuel, L.55'O repairs) ................................................. $ '.; $ Medical 1(" Doctor. Dentist, Orthodontist ................ $ $ $ $ Hospital................................................... $ $ $ $ Special (glasses, braces, elc.) ............... $ $ $ $ Education Private. Parochial School....................... $ $ $ $ College ..................................................... $ $ $ $ Personal Clothing ................................................... $ $ $ 6"0 $ -:;.~ Food ......................................................... $ $ $ z.fjl.) $ Other (household supplies, ..,~ barber, etc.) .......................................... $ $ $ $ Credit payments and loans .................... $ $ $ 7"~ $ Miscellaneous Household help/child care ..................... $ $ $ $ Entertainment (Inc. papers, books, vacation, pay TV, etc.) ............ $ $ $ 'if $ Gills/Charitable conlrlbutlons .............. $ $ $ $ Legal Fees ............................................... $ $ $ $ Other child support/sllmony payments ............................................. $ $ $~~ $ Olher (specify) ...Uk..~.~........................ $ $ $ C;D $ Total Expunses ............................................. $ $ $ ~64~_ $ , Ownership' PROPERTY OWNED Description Checking Accounts ..,..,..--1lko Value $ ~~ $ $ 0 $ $ $ $ $ $~' $ $-- $ l'-' ~v.- H W J Savings Accounts ........,.. \~lto --- --- --- Credit Union ....",........"'" --- .................... ---- Slocks/Bonds .........,........ --- .................. --- Real Estate ...................... --- ...................... _ _ ---i. Other ................................ --- ................................ --- Total, Property..................... Coverage' H W C ...L.. /"..L- -L-~~ company f1<:> Polley No. INSURANCE Hospital ...,.......................-PiJ Modlcal ............................ .. Health/Accident .............. Disability Income ............ Other (dental, etc.) ..."..... ('H. Husband. W . Wile, J . Joint, C . Child) --- --- ..L- -L- -L .. SUPPLEMENTAL INCOME STATEMENT . A. This form must be IIIled out by a person who (check one): _(1) operates a business or practices a profession; or _ (2) Is a member of a parlnershlp or Joint venture; or _ (3) Is a shareholder In and Is salaried by a closed corporation or similar entity. B. Attach to this stalement a copy of the following documents relating to the business. profession, partnership. Joint venture. corporation or similar entity. (1) the most recent Federal Income Tax Return, and (2) the most recenl Profit and Loss Statement. C. Name and Address of business: Telephone Number D. Name and Address (II different than C) of accountant. controller or olher perso[l In charge of IInanclal records: E. (1) Annual Income Irom business ................................................................,........,............,...... $ (2) How ollen Is Income received? ............................................................................................ $ (3) Gross Income per pay period ................................................................,.............................. $ (4) Nellncom'l per pay period .......................................................................,........................... $ (5) Speclllc deductions If any ...................................................,..................,...........,................. $ . '- . \ \ . ;, ..,' ~ . . . R. MARK moMAS A170RNEY AT LAW M !lAST JIIAIN STREET MI!C1IANICSBURO. PA 110Sa (717) 691-40560 PAX (717) 691.'"" .. (j~VOG .- .- ,I - . ;:I/.i" .. ( ,,,. -. . ,,,{ " ~.. . ~;. ' ." ..' " ~ './: j' ',"' Ij/ ;1" 'Ii I'~'.' ", " . I.;.): ;'(j Cli.\!, , i=',:\:,_. ../1,1' '!,'-O. '.:ll",/'! \1'-' ,'/'.- ,I T 1_., \. ,',i /I. /iI' P) 1M' d;pjl. /I~"d,r;/; "vf ~-,' 11/';' t/? '7'6It( /Uf,<<-I!/ i ~, JdfJ/1 flf/.f) /.' ' // .-b- P[f r;, /Mhi./;/ ;{; JIj <"~ili?~ RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-6033 CIVIL TERM v. LORI A. ESTACIQ, Defendant IN CUSTODY ADDITIONAL COUNTERCLAIM FILED ON BEHALF OF DEFENDANT AND NOW, comes the Defendant, Lori A. Estacio, by and through her counsel, R. Mark Thomas, Esquire, and files this additional Count for custody which is being filed in addition to the Answer and Counterclaim previously filed by the Defendant on January 23, 1997, and in support thereof respectfully represents: 35. Paragraphs 1 through 34 of the Defendant's Answer and Counterclaim which had previously been filed in this matter are incorporated herein as if set forth at length. 36. Defen~~nt seeks custody of the following children: Name Present Residence DOB Richard A. Estacio, Jr, 1075 Lancaster Boulevard 10/3/83 Mechanicsburg, PA 17055 Lindsay A. Estacio 1075 Lancaster Boulevard 2/19/88 Mechanicsburg, PA 17055 The children were not born out of wedlock. The children are presently in the custody of both parties to this action pursuant to an agreement of shared physical custody. When the children are with the mother they reside at 1075 Lancaster Boulevard, Mechanicsburg, PA, and when the children dre with the father they reside at 1016 Crystal Creek Circle, Mechanicsburg, PA. During the p3st five (5) years the children have resided with the following persons and at the following addresses: Person Defendant/Mother Jointly with Defendant/Mother with Plaintiff/Father Jointly with Defendant/Mother with Plaintiff/Father Jointly with Defendant/Mother with Plaintiff/Father Jointly with Defendant/Mother with Plaintiff/Father Address Dates Delbrook Manor Apts. Mechanicsburg, PA Pioneer Woods Apts. Lancaster, PA 1993 8/93-4/94 The mother of the child is Lori A. Estacio. She is married, 1016 Crystal Creek Circle Mechanicsburg, PA 305 Parkwood Drive Lancaster, PA 4/94-8/95 1016 Crystal Creek Circle Mechanicsburg, PA Delbrook Manor Mechanicsburg, PA 8/95-3/97 1016 Crystal Creek Circle Mechanicsburg, PA 1075 Lancaster Boulevard 3/97-Pres. Mechanicsburg, PA 1016 Crystal Creek Circle Mechanicsburg, PA but pending divorce with Plaintiff. The father of the children is Richard A. Estacio. He is married but pending divorce with Defendant. The relationship of the Plaintiff to the children is that of father. The Plaintiff currently resides with the following persons: none. The relationship of the Defendant to the children is that of mother. The Defendant currently resides with the following persons: none. 37. The Defendant has not participated as a party or witness or in any other capacity, in other litigation concerning the custody of the children in this or another court. Defendant has no information of a custody proceeding concerning the children pending in a court of this Commonwealth. Defendant does not know of a person not a party to the proceedings who has physical custody of the children or claims to have custody or visitation rights with respect to the children. 38. The best interest and permanent wel fare of the children will be served by granting primary physical custody to the Defendant/Mother because: a. The children h;we been going through alternating periods of custody with the parties since 1993 and the constant changes have proven to be unsettling to the children; b. Defendant/Mother is the party who primarily takes care of the needs of the children and manages the children's needs, particularly with regard to education and medical treatment; and c. The Plaintiff/Father has demonstrated by his actions that he would not put the interests of the children ahead of his own interests in the same fashion in which the Defendant/Mother has proven that she would do. 39. Each parent whose parental rights to the children have not been terminated and the person who has physical custody of the children have been named as parties to this action. WHEREFORE, Defendant requests that this Honorable Court grant primary physical custody of the children to the Defendant. Respectfully submitted, .\ ;<?/~t /~Mt-<- R, Mark (~mas, Esquire Attorney for Defendant 54 East Main Street Mechanicsburg, PA 17055 (717) 697-4650 IDH 41301 VERIFICATION I verify that the statements made in the foregoing document are true and correct. I understand that false statements herein are made sUbject to the penalties of 18 Pa. C.S. S4904, relating to unsworn falsification to authorities. I) 4)/,' Ii G--tO( I~l Date: fJd/!i)/'A rl. /117 , ~ i1: a) r- ~ W ~ c 8 ..s IQ M :f~ 00 ~ . ,ii' :>:: (-~~ ::; . -:r t() a... .,. :t 0 :. ~;'. :)2 ~ c~ U"> ;.;,.t:"\ ~ ~ . L..:. I ,:;l~ :'j . ~~ I ;.. ~ "- ,I: CJ "I~ tiJ .....l .- :.c: ' 1)4.. ",:-. t; r- ::5 CI' U "- tr: ;', IJl(" C, (; , I' c5' , , ('1 ':J t. ~, Y. . r. t: (, r: . .9:- C'"' Z'1 ~ "'- ri '" (~V ", . '0. '" , C " ~., ", L' .... . , J -1 t ij t:" @ :z: ~ c I ~ :2 ~ r-.'-' - ~- e:d l- <r. e~~5~ d~~J~~ ~ < :I: . 7. 1/01 j~!i~.ei d~ g~ .. - i... fC - is ~ ~ := :c . . . . , .. ,0) DEe 0 5 1B1 \' / -.... . . VERIFICATION I hereby acknowledge that the facts stated herein are true and correct to the best of my knowledge, information and belief. I understand that any false statements herein are made subject to penalties of 18 Pa. C.S. ~4904, relating to unsworn falsification to authorities. ~.~~ Richard A. Estacio Dated:--11lf4/~ AND NOW, Shaun M. Kovach I this Jt./;... day of --n~ , 1997, I, CERTIFICATE OF SERVICE ,for the firm of Hepford, Swartz & Morgan, hereby certify that I have, this day, served the within document on counsel for Defendant, by depositing a copy of the same in the United States Mail, first class, postage prepaid, at Harrisburg, Pennsylvania, addressed to: R. Mark Thomas, Esquire 54 E. Main Street Mechanicsburg, PA 17055 ~CWAt 1?1.1( IfIHid Shaun M. Kovach ~ <:. ,':: ,\\.: ..:I ~, ..... " ~"1/ r & . ).... (i '- j .:~ '" :Ii' ; .; :..~~ ..::::. ~f.- u.: '1 c -..:"j ,. (.., l.. - " COJ '1 fip, I' , "" [,.~ - .' t:!.: I...J :;~:~ &.... '0 c:, a 0 Ci' 4 F :z: ~ 5 1- :s. E~ 11 old Iii is i ~ !ul:!~~;.... ~ . - - u. Ii.... .~i!!d'! jC/lllc.;&:. . z .. e. Q - . d Clt: - ;:) l- e - a u. . .. . Uj :: ::c . . .. , ' -.-- -- .-- ~..__...---_.._----~-----_.- _.~.------------ .. '" d) \;Y fk.b , 'i l'J9fl '. RICHARD A. EI:l'rACIO, Plaint if f v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-6033 CIVIL ACTION - LAW IN DIVORCE LORI A. ESTACIO, Defendant PETITION TO MAKE RULE ABSOLUTE 1. Plaintiff, Richard A. Estacio, filed a petition to Bifurcate with this Honorable Court on December 2, 1997 and the attached Rule was returnable twenty days after service. 2. Service was received by Defendant's counsel, R. Mark Thomas, Esquire, on December 16, 1997. 4. Defendant's counsel has verbally agreed to proceeding d~?J1d,#~.) /Sandra L. Me~ Esquire HEPFORD, SWARTZ & MORGAN 111 N. Front Street P.O. Box 889 Harrisburg, PA 17108-0889 3. No responsive pleading was filed by Defendant to said Petition and Rule. with bifurcation. WHEREFORE, Plaintiff prays this Honorable Court to make the Rule absolute so that the Court may enter a Decree in Divorce, reserving the claims of distribution of property, counsel fees, costs and expenses. ~TIFICATE OF SERVICE I.''J+A AND NOW, this o^ M. Rine, Legal Assistant day of ~ bl?C( trf:Jet-, 1998, I, Gloria , to Sandra L. Meilton, Esquire, for the firm of Hepford, Swartz & Morgan, hereby certify that I have this day served a copy of the within document, by mailing same by first class mail, postage prepaid, addressed as follows: R. Mark Thomas, Esquire 54 East Main Street Mechanicsburg, PA 17055 ~L:4 J/1 ~!L- Glorla M. Rin~ SNELBAKER, BRENNEMAN c9 SPARE A Pfl.O.lUlONAL COIlPORATION ATrOJUolEY5 AT LAW .w W~ T MAIN STREET MECHANICSBURG, PENNSYLVANIA 17055 P O. BOX 318 F^C~IMILE van 697.1681 Jl,.aCH^IilO c ~NnlA"'llt. KtlTH 0 '''lNNfMAN I'HILlP H :-'PAkl 111.607.8528 December 10, 1998 E. Robert Elicker, II, Esquire 9 North Hanover street Carlisle, PA 17013 ReI Estacio Dear Bobl This letter will confirm that Sandra L. Meilton and I spoke with Tracy cf your office last week and asked for a continuance of a hearing currently scheduled for December 30, 1998 in the above referenced matter. Both sandy and I realize that if the matter has to be rescheduled, we may not get a hearing date until the summer of 1999. Thank you for your cooperation in this matter. (ftiP~ours, Philip H. spare PHS/SZ eCI Sanura A. Meilton, Esquire Lori A. Estacio RICHARD A. ESTACIO, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 96-6033 CIVIL ACTION - LAW IN DIVORCE LORI A. ESTACIO, Defendant AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN SS: AND NOW, this /C){~ day of /e./rI/(;r,/ 199B, / personally appeared before me, a Notary Public in and for the aforesaid Commonwealth and County, Shaun M. Kovach, legal secretary to Sandra L. Meilton, who being duly sworn according to law, deposes and says that on December 15, 1997, she mailed a certified copy of a petition to Bifurcate with attached Rule, by certified mail no. P 016 240 471, return receipt requested, to R. Mark Thomas, 54 East Main Street, Mechanicsburg, PA 17055, and the same was received by him on December 16, 1997 as indicated by the return receipt card which is attached hereto. ~Wr\. 1rt.~ Shaull M. Kovach Sworn to and subscribed before me this /(; /), day of r,"/'I/t",/ , 1998. , '--7)~? 11(., /.' ):;;j'/ . I Notary Public (SEAL) nJ "' _t:IlA__MIa "" r."'~=::"i! 2llOO -.......... -,,- >- eo E:; ~ .'. 13 .. ::)..~ uJ .~_ ..::r ::~j :~: c:...'c.'-J :;:: If' t... ~I..:j ~i~ .'~ C) <'" " 'in r.' . '\ ~< ~'-". I i: :;~ u::~ll CCI lllU .'. Ld ~ 1.1 0- ,-' Lo- ~j ll- m 0 C1' 0 . ..-r.--. ........ ). . ;;"C,'- >- '-ll ~ <I; ~S I~!:J ..::1 ~<t' ( "0., ~>::: ~k u,. f:! ,? I u.. . a:lU In ;'.I,d i!= W ~Jl.l. u.. ~ ro :::J en U v. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-6033 RICHARD A. ESTACIO, Plaintiff LORI A. ESTACIO, Defendant CIVIL ACTION - LAW IN DIVORCE PRAECIPE TO WITHDRAW APPEARANCE TO THE PROTHONOTARY: Kindly withdraw my appearance on behalf of Defendant Lori A. Estacio in the above captioned matter. Date: /o/~ ;2.? 1~9~ &~. 54 East Main Street Mechanicsburg, PA 17055 SNELBAKER, BRENNEMAN 8 SPARE A f'1l0't~'1lI0NAI. COkPOllAnON ^1TORNEn ^T v.w 44 W[~T MAIN ~nutT MECH~IC5BURG. PENN5YLV^NI^ 17055 r 0 80)( 318 fAC~IMILE (l1n 6011681 RICHARD C. 5NEL8^)(.[R Klint 0 IkENNEMN-l PHILIP H. SPARE 111 6U/.W,;!K August 20, 1998 E. Robert Elicker, II, Esquire Office of Divorce Master Cumberland county 9 NOI':th lIanovel' street carlisle, PA 17013 Re: Richard A. Estacio v. Lori A. Eatacio No. 96-6033 civil In Divorce Dear Mr. Elicker: This letter will confirm our conference call of August 18, 1998 where you, Sandra Meilton and I discussed rescheduling the Pre-Trial Conference in the above referenced matter from August 19, 1998 until August 31, 1998 at 3:00 P.M. The rescheduling was made at the request of both counsel in an effort to allow some additional time for both sides to attempt to settle the case. Thank you for your flexibility in rescheduling this matter. v~l;:rs, U,i lip H. Spare PHS!sz cc: Sandra L. Meilton, Esquire Lori A. Estacio TUCKER ARENSBERG & SWARTZ lu( S"'NUl · J""u~'(: \k)fU;A,N. JR. \AN"-' I. ~~ILI"" ,"'lIU111N M CRHUllR.JR Ilt,""""I'lR.SlilAlff_R I ~INrC"IJU OIAA1J.\IVI\IlJl II.II.n 11.1'''" C.4.RYP HtJNT (j IfU'i!l'4111.R I,ftx 'VoJijl''i.:Y, RXJlAAHA i.''1T!\lJO ^"''''',.\., 1(.1I(:lf ."HI...."N M ."'lUCII\tM.. 's1,v.lIY II ,"wI.l.U.. Al1llJHU v"> December 8, 1998 Robert E. Elicker II, Esquire 9 North Hanover Street Carlisle. PA 17013 OdJlIUI,,,\'U.thl'l ~'"'.''l.'H'''\''''''' flr,,,.I,,.t.wl,lr.'......1 ""l"".lll RE: Estaclo Dear Bob: I am writing to confirm that Phil Spare and I contacted your office last week and asked for a continuance In the above referenced matter. At the present time, Ihe Property Settlement Agreement Is being revised to Incorporate agreed to changes requested by both sides and It Is anticipated that the document will be signed by the end of the year. Both Phil and I realize that If the matter has 10 be rescheduled. we may not get a hearing date unlll the summer of 1999. Thank you for your assistance In getting this matter resolved. Sincerely, TUCKER ARENS BERG & SWARTZ Sandra l. Melllon SLM/smk cc: Philip Spare, Esquire Richard A. Estaclo, Esquire 11100.1 111 NORTH FRONT STREET PO BOX 889 HARRISBURG, PA 17108,0889 717-234-4121 800-257.4121 FACSIMilE '/17-232-6802 lawl.IOwn OHIC& 12 Soul" ""I'" SllMl PO DOl 881 l''''''ltOYlfl, PtIo llQ.t4.08a1 7l".2"'6-3013 PltllbUfgh OflC1 '600 On. PPO PlIIce Pltt.burgh, PA l!l222 .12.~M-'212 O'M/\'burg Olu 1:18 Soulh Man Sl,.., G'eenatMg, PA 1~1 72..838.1212 A~ PloltUIOl'IIIQfh::. C""at 1nO Thain Run R~d Ed Ikon Tollll'l1~'P. PA 15106 .'2.;>(12.3730 E.m,~tl lapc.Olur;k.rllllwcOfT'l Web Srte Mp II~ tuckllrlaw com LORI A, ESTACIO PLAINTIFF IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. 96-6033 CIVIL ACTION LAW RICHARD A. ESTACIO DEFENDANT IN CUSTODY ORDER OF COURT AND NOW, Friday, October 24. 2003 . upon consideration of the attached Complaint. il is hereby directed Ihal parties and their respective counsel appear before Dawn S, Sunday. E.'C.....-. Ihe conciliator. al 39 West Main Street, Me.hanl.sbure. PA 17055 on Tuesday, November 25, 2003 al 8:30 AM for a Pre-Hearing Cuslody Conference, AI such conference, an effort will be made to resolve Ihe issues in dispute; or if this cannol be accomplished. to define and narrow Ihe issues 10 be heard by the court, and to enter into alemporary crder. All children age five or older may also be present at the conference. Failure 10 appear althe conference may provide grounds for entry of a temporary or pennanenl order. The court hereby direct. the partie. to furnish any and aU ed.tlng Protection from Abuse orders, Special Relic! orders. and Cu.tody orders 10 the conciliator 48 hours prior to scheduled hearing. FOR THE COURT. By: 1.1 Dawn S. SlInd4J'r Esq. Custody Concilialor c.. The Court of Common Pleas ot'Cumberland County is required by law to comply with Ihe Americans with Disabililes Acl of 1990. For infonnalion about accessible facilities and reasonable accommodalions available to disabled individuals having business before the court, please contael our office. All arrangements must be made alleast 72 hours prior 10 any hearing or business before the court. You must attend Ihe scheduled conference or hearing. YOU SHOULD TAKE THIS PAPER TO YOUR A TIORNEY AT ONCE. IF YOU DO NOT HAVE AN A TIORNEY OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL IIELP. Cumberland County Bar Association 32 South Bedford Street Carlisle. Pennsylvunia J 70 J 3 Telephone (717)249-3166 I) I LOR I :\. I'ST:\l'IO, IN Till' COURT OF l'O!\IMON PLI'AS CU !\IIII-:I{ I.AN I Jl'( JLJ NTY ,PI'N NS Y I.\' AN 1:\ Plaintiff v. NO. W,.6ll33 RIl'IIARD A. I'STA('(O, D~f~nJanl CIVIL ACTION IN CUSTODY OROER AND NOW, upon consideration of the uttuched Cumplaint, it is hereby directcd thutthe pal1ies und their respective counsel up pea: hefure the Custudy Cunferenee Oflicer, on the__ day uf ,2002, at o'clock _,m" ;It l(lr a Pre-Heuring Custody Conference, At such Conference, an effort will be made to resolve the issues in dispute; or if this can nut be accomplished, tu deline und narrow the issues to be heard by the Court, und to entcr intu u Temporury Order, All children age live ur older shull also be present at the Conference, Fuilure to appeur at the Conference may provide grounds I(Jr entry of a tcmporary ur pel1nanent Ordcr, FOR TIlE COURT: Date: By: Custudy Cunlcrence Officer YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT Ol'!CE, IF YOU DO NOT IIA VE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTlI BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP, Cumberlmlll County Cuurt Administrator Cumberland County Cuurthouse One Courthouse Square Carlisle. PA 17013 (717) 240.6200 LORI A. ESTACIO, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY,PENNSYL VANIA Plaintift' v. NO. 96-6033 RICHARD A. ESTACIO, Defendant CIVIL ACTION IN CUSTODY COMPLAINT FOR CUSTODY AND NOW, comes the Plaintiff, LORI A. EST ACIO, by hcrattomey, Francis M. Socha, and makes the following Complaint for Custody: 1. The Plaintiffis LORI A. EST ACIO, an adult individual residing at 1462 Timber Brook Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055. 2. The Defendant is RICHARD A. EST ACIO, an adult individual, who currcntlyresides at 10 I Wickshire Circle, Lititz,Lancaster County, Pennsylvania 17543. 3. The Plaintiffand Dcfendant were married and two (2) children were bom as a result of this relationship; one of which is the subject of this action, namcly: Lindsay A. Estacio; born February 19, 1988. 4. On Dcccmber 12, 1997, thc Honorable Kevin A. Hess, upon consideration ofa Custody Conciliation Rcport, ordcrcd and directcd thatthc parties shall havc shared physical custody of the parties' children in accordance with thc scheduled outlined in thc Ordcr which is attached hereto as Exhibit "A". 5. Plaintiffseeks primary physieal eustody ofthc child Lindsay A. Estacio, a minor child. 6. Theminorchild, Lindsay, has bcen in the primary custody ofthe Plaintitl'since August RICHARD A. ESTACIO, Plaintiff IN THE COURT OF CCt-lMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA . . vs. NO. 96-6033 CIVIL TERM LORI A. ESTACIO, Defendant CIVIL ACTION - LAW : IN CUSTODY aIDER OF CXXJRl' AND tOol, this I :J'i:IL day of upon consideration of the attached Custody ordered and directed as follows: .DiT'Ltrl'--' , 1997, Cone 1 at on Report, it is 1. The Father, Richard A. Estacio, and the Mother, Lori A. Estacio, shall have shared legal custody of Richard A. Estacio, Jr., born October 3, 1983, and Lindsay A. Estacio, born February 19, 1988. 2. The parties shall share physical custody of the children during the school year in accordance with the following schedule: A. The Mother shall have custody of the Children every week from Monday morning through Wednesday morning when the Mother shall transport the Children to school. B. The Father shall have custody of the parties' son, Richard, every week from Wednesday morning until Friday morning. The Father shall have custody of the parties I daughter, Lindsay, every week from Wednesday morning until Thursday after school. C. The Mother shall have custody of the parties I daughter, Lindsay, every week from Wednesday after school until Friday morning. D. The parties shall alternate having custody of both Children from Friday morning through Saturday morning at 10:00 a.m., beginning with the Mother having custody of the Children on Friday, December 12, 1997. E. The parties shall alternate having custody of both Children fr.om Saturday at 10:00 a.m. until the following Monday mornir,g, beginning with the Father having custody of the Children on the weekend beginning Saturday, December 13, 1997. 3. The parties shall have shared physical custody of the Children during the summe~ school break in accordance with the schedule in paragraph 2, with the exception that the Mother shall have custody of the Children on the Father's regular days of custody when he works from the morning on those days until 5:00 p.m. 4. The parties shall share or alternate having custody of the Exhibit "A" /sJ '/j,':',~ CI ,~"'4-' J. Children on holidays as arranged by mutual agreement of the parties. 5. The party receiving custody of the Children under this order shall be responsible to provide transportation for the exchange of custody. When the Children are to be trensported to school at the end of a party's period of custody, that party shall be responsible to insure that the children are transported to school. 6. This order is entered pursuant to an agreement of the parties at a CUstody Conciliation Conference. The parties may modify the provisions of this Order by mutual agreement. In the absence of mutual agreement, the terms of this order shall control. BY THE COURT, cc: sandra L. Meilton, Esquire - Counsel for Father R. Mark Thomas, Esquire - Counsel for Mother TRUE ('rlP'{ FROM RECORD 101 Tw.I". T1 ", Ii" d, I hero IJnto sel my hand ,,"J II,e ~_"I'lf suid (uurl at Carlisi,}, p~, TI,ii ..1 ~:t!- day of.....t),f,f,:..".., 19..~t? <:JI '(, -:\) " ...' .......... .-.". ~ ~"Lc J'... .c~...,. ".., 'It. t. ..." ............. .tlf').' Prolhonotary LORI A. EST ACIO, IN TilE COURT OF COMMON I'LEAS CUMIlERI.ANDCOUNTY,PENNSYLV ANIA PllIinliff v. NO. 96-6033 IUCIIARD A, ESTACIO, Dcli:mlllnt CIVIL ACTION IN CUSTODY CERTIFICATE OF SERVICE I, Carrie E. Ragan, hereby certity that a true and com:ct copy of the foregoing Complaint WllS sent by Unitcd States mail, postagc prepaid, to the tollowing: Karen S. Coates, Esquire KELLY, HOFFMAN & GODUTO. LLP Commerce Towers, 10'h Floor 300 North Second Street Harrisburg, P A 17101 DATED: IO!ll)D) ",~nflll..C1I"""WI "- I'. r'; I ... , .. -' " , , I I; J I~) . ,':, ~ I r , ~ .; ,.. !{ij ,- ( (.... ~ ~~ ". I- I \+; '. ) () , \ LORI A. ESTACIO, Plaintiff IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. <J6.60JJ CIVIL ACTION LA W RICHARD A. EST ACIO Defendant IN CUSTODY ORDER OF COURT AND NOW, this ]-1 day of "])....th , 2003, upon considcration of the attached Custody Concilia!ion Rcport, it is ordercd and dircctcd as follows: Order, I. The prior Ordcr of this Court dated Decembcr 12, 1997 is vacatcd and replaccd with this 2. The Mother, Lori A. Estacio, and the Father, Richard A. Estacio, shall have shared legal custody of Lindsay A. Estacio, bom February 19, 1988, The Mother shall keep the Father advised of all significant information concerning the Child's medical/mental hcalth treatment. The purties shall selcctthe physicians and mental health professionals who will bc providing treatment for the Child by mutual agreemcnt. Any differences of opinion bctweenthe partics concerning the Child's medical/mental health trcatment shall be resolvcd in fuvor of the recommcndations issued by thc Child's physician or mental heulth professionul. 3. Thc Mother shull have primury physicul custody ofthc Child. 4. Contingent upon the Futhcr's compliunce with thc provisions ofpurugraph 7 of this Ordcr including vcrification, the Fathcr shall huvc partial physicul custody of the Child on ulternating weekcnds, beginning Deccmber 12, 2003. from Friday at 4:00 pm through Sunday at 4:30 pm. 5. The purties shall share or ulternute having custody of the Child on holidays as follows: A.GIRISTMAS: The Christmas holiduy shull be dividcd into Scgment A, which shall run from Christmas Eve at 2:00 pm through Christmas Day ut 2:00 pm, and Segmcnt B, which shall nll1 from Christmas Day at 2:00 pm through December 26 at 2:00 pm. Thc Father shall have custody of the Child during Segment A in odd numbered years and during Segment B in even numbered ycurs. The Mother shall have custody of the Child during Scglmnt A in cvennumbcred years, and during Scgment B in odd numbcrcd years. B. THANKSGIVING: The Father shull have custody of the Child cvcry year on Thanksgiving, C. Custody arrungements for the remaining holidays shall be established by agrecmcnt of the parties, D. The holiday custody schedule shall supercede and take precedence over the regular custody schedulc. 6. During thc summer school break each year, the Father shall havc custody of the Child for two wceks for vacation upon providing atlcast 30 days advance notice to the Mother. 7. The Father shall participate in individual counscling with a professional to bc selected by the Father. The purposc of the counseling shall bc to address issues regarding management of anger. The Father shall attend a minimum of six counseling sessions and thcreafier shall follow the recommendations of the counselor with rcgard to the frequency and duration of counseling. The Father shall provide verification, through his counsel, to the Mother that counseling pursuant to this provision has been initiated. At the Mother's request,lhe Father shall provide verification of ongoing compliance with this provision through his counsel. Thc Father shall be responsible to pay all costs of counseling. 8, Within three months of thc date of this Order, counsel for either party may contact the conciliator to schedule an additional Custody Conciliation Confcrence, ifnecessary to address issues related to the Father's counseling or periods of custody with the Child. Any future Custody Conciliation Conferences shall be held at the Cumberland County Courthouse. 9. This Order is entered pursuant to an agreement of the parties at a Custody Conciliation Conference, The parties may modify thc provisions of this Order by mutual consent. In the absence of mutual consent, the temJS of this Order shall control. BY THE COURT, /~ \'~ ~ '~?0 \~O LORI A, EST ACIO, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA 96-6033 CIVIL ACTION LAW vs, RICHARD A. EST ACIO Defendant IN CUSTODY Prior Judgc: Kcvin A. Hess CUSTODY CONCIUATION SUMMARY REPORT IN ACCORDANCE WITH CUMBERLAND COUNTY RULE OF CIVIL PROCEDURE 1915.3-8, the undersigned Custody Conciliator submits the following report: I. The pertinent information conceming the Child who is the subject of this litigation is as follows: NAME DATE OF BIRTH CURRENTLY IN CUSTODY OF - Lindsay A. Estacio Fcbruary 19, 1988 Mothcr 2. A Conciliation Conference was held on November 25, 2003. with the following individuals in attendance: The Mother, Lori A. Estacio, with her counsel, Francis M. Socha, Esquire, and the Father, Richard A. Estacio, with his counsel, Karen S. Coates, Esquire. 3. The parties agreed to cntry of an Order in the form as attached. It should be noted that following a violent outburst toward the end of the conference, the provisions regarding medical treatment decisions for the Child, counseling for the Father and summer vacation were established with the agreement of the Father through counsel after the Fathcr was excused from thc conference rool1l. ~JA,.-I ole.. .;L=_~ Date ~--L,J"A , Dawn S, Sunday, Esquire I Custody Concilialor