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HomeMy WebLinkAbout97-02519 c:: o r: Q) -g <:[ . ~ . c E -p <! \ " "'\ /' .-. , / ~ l~ J 0- - lC), CO, i I &1 , . Z ~'..3,9) 9-3 9") dv-l. d.~, ""ak -.6 act- ~-Jl...Jd '-v1.+. '/ ' #' ~ /. / {--&0 /U.:;:.<{L./ zj ? ..... r-: i-' r, HI . I. I: l1_ , 'T' . C' " " l.' , C' u-: ,/: I,: c-.: C. - r- '" ( 1 o Ul !::: , ~ <( Z 0 ~ w z II , . <( <( . <( e > , ..J W 0 ~ ..J ~ ~ l- e >- <( Z II) 0 0 z i<luII) I . z - >- I " w .J ; w I r Q. -I 0 Z e W;j, a: . .; :: . 0 o It C ::' t- Z ::> o I- - m M -I , <( ~ !') <( ~ M It U It <( I . .' . MARRIAGE SETTLEMENT AGREEMENT THIS AGREEMENT, made this \ q ~ day of 1997, by and between MIC:iAEL S. ANDERSON, of the Borou of Camp Hill, Cumberland County, Pennsylvania, hereinafter referred to as "Husband", and BETH A. ANDERSON, of the Borough of Camp Hill, Cumberland County, Pennsylvania, hereinafter referred to as "Wife," WITNESSETH: WHEREAS, Husband and Wife were married on June 25, 1983; and WHEREAS, differences have arisen between Husband and Wife in consequence of which they are living separate and apart from each other; and WHEREAS, Husband and Wife have made a full disclosure of their assets to each other; and WHEREAS, Husband and Wife desire to settle and determine their rights and obligations with respect to each other, including the disposition and distribution of property rights and interests, including alimony, between them, WHEREAS, Husband and Wife are the parents of three minor children, to wit: Sara Elizabeth Anderson, born September 25, 1984, Kathryn Paige Anderson, born February 16, 1989, and Margaret Victoria Anderson, born March 25, 1992, and do also desire to resolve and settle any dispute between themselves with regard to .. the matters of custody, visitation and support as to the minor children. NOW, THEREFORE, the parties intending to be legally bound hereby, do covenant and agree: 1. SEPARATION, It shall be lawful for each party at all times hereafter to continue to live separate and apart from the other party at such places as he or she may from time to time choose or deem fit. The foregoing provisions shall not be taken as an i;ldmission on the part of either party of the lawfulness or unlawfulness of the causes leading to their living apart, which living apart, or physical separation, has existed since December, 1993, 2, INTERFERENCE. Each 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 or attempt to endeavor to molest the other, nor compel the other to cohabit with the other, or in any way harass or malign the other, nor in any way interfere with the peaceful existence, separate and apart from the other. 3. WIFE'S DEBTS, Wife represents and warrants to Husband that since the separation 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 harmless Husband from any and all claims or demands made against 2 .. him by reason of debts and obligations incurred by the Wife prior to the date of the delivery of this Agreement, and all further debts incurred by the Wife from and after the date of delivery hereof, shall be the Wife's individual responsibility. 4, HUSBAND'S DEBTS, Husband represents and warrants to Wife that since the separation 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 harmless Wife from any and all claims or demands made against her by reason of debts or obligations incurred by him. Husband acknowledges and agrees that all debts and obligations incurred by the Husband prior to the date of the deli very of this Agreement, and all further debts incurred by the Husband from and after the date of delivery hereof, shall be the Husband's individual responsibility. 5. JOINT DEBTS. The only joint debts which the parties have are those items of indebtedness associated with the ownership of their marital home, which includes the existing mortgage upon the marital home. Husband agrees that he shall pay all joint debts of the parties and shall in1emnify and hold harmless Wife from any further liability with regard to any such joint debts, The payment of the mortgage is separately treated in a subsequent paragraph entitled "REAL PROPERTY," 6, MUTUAL RELEASE. Subject to the provisions of this Agreement, each party has released and discharged, and by this Agreement does for himself or herself, and his or her heirs, legal 3 . .. representatives, executors, administrators, and assigns, release and discharge the other of and from all causes of action, claims, rights, or demands, whatsoever in law or equity, which either of the parties ever had or now has against the other, except any or all cause or causes of action for divorce and except for any or all causes of action for breach of any provision of this Agreement. 7. DISCLOSURE OF PROPERTY. Husband and Wife acknowledge and agree that they have made a full and complete disclosure to the other of all information pertaining to the parties' separate and marital property owned, possessed and/or controlled by the other at the time of the separation of the parties and, further, have made such full and complete disclosure by the filing by each of them in the pending action in divorce of a formal Inventory and Appraisement. 8. DIVISION OF PERSONAL PROPERTY. The parties have reached agreement upon the division between themselves of the furniture and other articles of personal property contained in their marital home and do hereby ratify and confirm the verbal agreement which they have already reached, 9. BANK ACCOUNTS. The parties have already divided between themselves, to their mutual satisfaction, all banking accounts heretofore separately or jointly owned by them, do hereby ratify the division which they have made, and do acknowledge that any banking account presently titled in the name of Wife shall be and remain her separate asset, and any banking account separately 4 . " titled in the name of Husband shall be and remain his separate asset. 10, AUTOMOBILES. The parties have three automobiles which are: a 1987 Volvo automobile, titled in the name of Wife, a 1978 peugot automobile, titled in the name of both Husband and Wife, and a 1997 Ford Crown Victoria, which is an automobile leased solely in the name of Husband, The parties agree that sole title and ownership of the aforementioned Volvo and peugot shall be solely and exclusively in the name of Wife and that said vehicle shall hereafter be her sole and separate property. The parties further agree that, to the extent Wife has an interest in the 1997 Ford Crown Victoria, she hereby releases that interest in favor of Husband so that Husband shall be the sole lessor, sole equitable owner, and sole obligor with regard to such leased automobile. To the extent any further documentation needs to be signed, or title transferred, in order to accomplish the intent and purpose of this paragraph, both parties pledge their cooperation to each other in the prompt completion of any such additional documentation. 11, REAL PROPERTY. The parties are the joint owners of real estate known as 2621 Logan Street, Borough of Camp Hill, Cumberland County, Pennsylvania, Said real estate has an approximate market value in the $140,000 to $150,000 range, but is subj ect to a Veterans Administration,insured mortgage loan, the balance of which is approximately $100,000, The parties agree to the following with regard to their real property/marital home, to wit: 5 . I A, Upon the entry of a Decree in Divorce (Complaint already filed by Wife), Wife shall remove herself from further occupancy in the marital home; B, From the date of Wife's removal from the marital home, Husband shall be solely responsible for the payment of any pre-existing bills or debts associated with the home, and shall continue, thereafter, to be solely responsible for the payment of any new bills or expenses associated with the occupancy of the hOMe. Particularly, Husband agrees that he, alone, shall be responsible for the continued payment of the mortgage loan associated with the marital home and agrees that he shall, by these presents, indemnify and hold harmless Wife from any further liability or responsibility in conjunction therewith, C, Title to the marital home shall remain in the joint names of Husband and Wife for a period of time not to exceed two years from the date of this Agreement, within which period of time: (1) Husband shall pay to Wife the cash sum of Nine Thousand Eight Hundred ($9,800.00) Dollars ($5,000 of which shall represent Wife's marital share in the home, and $4,800 of which shall represent satisfaction of Husband's deferred obligation of support for the children of the parties), in exchange for which payment, Wife shall deliver to Husband a deed conveying to and relinquishing to Husband all of her title and ownership in the marital home, QI, (2) Husband shall 6 . . fail to pay to Wife the aforementioned sum of money, in which case, both parties shall be obliged to cooperate with each other in placing for sale and selling the marital home. The provisions for payment to Wife of her marital share, set forth herein, is designed to recognize, in part, the obligation which Husband has agreed to undertake to pay certain items of indebtedness of the parties as previously set forth in paragraphs 4 and 5. D, In the event the marital home is to be sold, as set forth above, the parties agree that, as set forth in the immediately preceding subparagraph 12.C., the sum of $9,800.00 shall be paid to Wife from the proceeds of sale. E. In the event Husband makes payment to Wife and receives a deed to the marital home, he shall receive that deed subject to the assumption of the existing mortgage upon the premises, and shall, by his acceptance of that deed, agree to indemnify and hold harmless Wife from any further liability or responsibility with regard thereto. F. Wife agrees that she shall continue to cooperate in the prosecution of a lawsuit against Bell Atlantic for the recovery of damages caused to the marital home. Both parties agree that, in the event the proceeds deri ved from the lawsuit, or settlement thereof, after payment of Court costs and attorney's fees, shall exceed the cost of repairing the 7 . . damage occasioned by the actions of Bell Atlantic, such excess proceeds shall be divided equally between Husband and Wife. 12. SPOUSAL SUPPORT. ALIMONY. ALIMONY PENDENTE LITE. COUNSEL FEES AND EXPENSES, Both parties hereby waive and relinquish any right which each of them may have to seek or to receive from the other party the payment of any sums of money as spousal support, alimony, alimony pendente lite or counsel fees and expenses, Wife acknowledges that she has caused to be instituted the presently-pending action in divorce in the Court of Common Pleas of CUmberland County (at Civil Action No, 97-2519) and agrees that she, alone, shall be responsible for all her attorneys' fees and Court costs associated with said divorce action. 13. CUSTODY OF CHILDREN. Husband and Wife are the natural parents of three minor children, to wit: Sara Elizabeth Anderson, born September 25, 1984, Kathryn Paige Anderson, born February 16, 1989, and Margaret Victoria Anderson, born March 25, 1992, The parties have endeavored to reach an amicable agreement with regard to their respective rights, privileges and responsibilities to each other and to their minor children, and pledge each to the other, that they shall continue to cooperate with each other, and with their children, in an effort to see that their children achieve adulthood with a minimum of disruption in their daily lives, and with the ongoing opportunity of the children to know that they have the continuing love and affection afforded by each of their parents, Husband and Wife agree that they shall share in an equal 8 < fashion the legal custody of their minor children. Husband and Wife agree that primary physical custody of their minor children shall be in the hands of Wife, but further agree that partial physical custody of the children shall be in the hands of Husband for such periods of time as the parties may agree upon from time to time. In the event of the inability of Husband and Wife to reach agreement upon times for partial custody by Husband, the following, minimum standards shall prevail: A. Father shall have physical custody of the children on alternating weekends, from 6:00 p.m, Friday evening until 8:00 a.m. Monday morning. Additionally, Father shall have physical custody of the children every weekend from 7:30 a.m, Sunday morning until 8:00 a.m. Monday morning, B. The holiday custodial arrangements shall be as follows: (1) Father shall have physical custody of all of the children from 12:00 noon on Christmas Eve day until 12:00 noon on Christmas Day; (2) The parties shall alternate having all of the children in his/her physical custody on the day of the celebration of Labor Day, Halloween Trick or Treat Night, Thanksgiving Day, Easter Day and Independence Day; (3) All children shall be with their Mother on her birthday, all shall be with their Father on his birthday, and on a birthday of one of the minor children, that 9 , ~ child shall be in the custody of Father for that day, subject, however, to the modification that on the weekend following, Mother shall retain custody of all of the children, and Father's alternating weekends shall be adjusted accordingly. (4) The children shall be in the custody of their mother for Mother's Day, and their Father for Father's Day. D. Father shall be entitled to have two full weeks of partial custody of all of his children during each period of summer vacation from school, such weeks to be non-consecutive, and conditioned upon giving Mother a minimum of 3D-days advance notification of the selection of a week. E. In the event the children are in the custody of a parent at any given point in time, and that parent is in need of a babysitter for one or more of the children, that parent shall first contact the other parent for the purpose of ascertaining his or her availability to serve as a babysitter. F, Both Mother and Father acknowledge that it is in the best interests and welfare of their minor children that reasonable opportunity continues to exist for both parents to have regular and ongoing contact with their children, and the children with each of their parents, Such acknowledgement of continued opportunity of reasonable contact includes a recognition that the relocation of either parent to a 1D . residence at a substantial distance from the other parent will adversely impact upon reasonable parent/child contact. Accordingly, both Husband and Wife agree that neither of them shall, until such time as their youngest shall have attained the age of eighteen (18) years, relocate his or her residence to a location greater than fifty (50) miles distant from the present places of residence of each parent (Husband presently resides at 2621 Logan Street, Camp Hill, Pennsylvania; Wife presently resides at 110 South 27th Street, Camp Hill, Pennsylvania). In the event either parent shall relocate his or her residence to a location within the aforementioned 50, mile radius, prior to the attainment of the youngest child to the age of 18 years, the relocating parent shall advise the other parent of his or her intent to relocate as soon as practicable prior to such relocation, and the parties shall, in good faith, enter into discussions with each other for the purpose of making reasonable and appropriate modifications to the partial custody rights of father as previously set forth in this paragraph. Neither parent shall remove the residence of the children outside the continental United States, 14. SUPPORT OF CHILDREN. HEALTH INSURANCE. AND EDUCATIONAL EXPENSES. A, Child Support. Husband agrees to pay and Mother agrees to accept the sum of $1,000 each month (payable at the rate of $462 every two weeks) for the support of the three minor children of the parties, such payments to commence July 11 , 1, 1997, and continue at the same amount until June 30, 1999. Beginning July 1, 1999, Husband agrees to pay and Wife agrees to accept the sum of $1,200 per month ($554 every two weeks) for the support of the three minor children, until such time as the youngest of the children shall have become fully emancipated. It is the intention of the parties that the payments herein provided shall be made and accepted voluntarily between the parties; however, nothing herein contained shall prevent Wife from filing a Complaint for the support of the minor children in any Pennsylvania Court of competent jurisdiction. B. Deferred Support Obligation. In recognition of the obligation herein undertaken by Husband to pay certain marital indebtedness, the parties have mutually and voluntarily agreed to a payment of support by Husband which is somewhat less than is contemplated by the Pennsylvania Supreme Court Support Guidelines. It is for this reason that paragraph 11, heretofore, makes provision for the payment by Husband to Wife of a sum of $4,800.00 either at the time of delivery of a deed to the marital home by Wife to Husband, or, upon the sale of the marital horne, such sum of money being agreed by the parties to represent the satisfaction of what the parties acknowledged would have been the obligation of child support of Husband in strict accordance with the Pennsylvania Supreme Court Support Guidelines. 12 . C. Health ImmranceA, Husband agrees that he shall continue to maintain hospitalization and medical insurance for the benefit of his three minor children, shall do so whether or not his present or future employers may pay all, some or none of the premium cost, and Husband shall, without recourse upon Wife, pay all necessary premiums for said insurance, shall payor contribute any co-pay requirements, and shall pay any required deductible payments, Furthermore, in the event the provision of health insurance for the benefit of the children is either no longer available to Husband or, if it is available to Wife (for the benefit of the children, and with the agreement of Wife), Husband shall pay to Wife the cost of her premiums in providing such J.nsurance coverage for the children. D, Education E~ense. The parties stipulate and agree that attendance at and participation in a summer camp program is deemed by them to be an educational experience for their children. Accordingly, both parties hereto agree that each shall pay 50% of the cost of enrollment for the attendance of each of their children at a summer camp each summer during their respective periods of minority. And, notwithstanding that the status of the law of Pennsylvania does not require a parent to pay support or make any necessary contribution to any of their children beyond the child's attainment to adulthood, the parties nevertheless agree that each will 13 contribute or will pay 50% of the cost of tuition for each of their children who shall enroll and pursue, uninterrupted, a four-year baccalaureate decree program. 15, INCOME TAX EXEMPTIONS. Husband and Wife agree that for the calendar years 1997, 1998 and 1999, Husband shall be entitled to claim all three of the minor children as exemptions upon any income tax return filed by him, and Wife agrees that she shall execute and deliver to Husband IRS form No, 8332 for each of the years identified. 16. LIFE INSURANCE. At the present time, the parties maintain three policies of life insurance upon the life of Husband, issued by Equitable Life Insurance Company, in the total face amount of $300,000, and also maintain one life insurance policy insuring the life of Wife, issued by Equitable Life Insurance Company, in the face amount of $100,000. As a means of providing an economic benefit to their minor children in the event of the death of one or the other of Husband or Wife, the parties agree that they shall continue to maintain in full force and effect all of the foregoing policies of life insurance, and shall do so based upon the following standards and conditions, to wit: A. Husband shall continue to pay all of the premiums necessary to maintain the aforementioned life insurance policies in full force and effect and Wife shall, upon the execution of this Agreement, submit the appropriate 14 application to the insurance company to transfer ownership of the policy upon her life to the ownership of Husband; B, Husband shall continue to be named the beneficiary of Wife's insurance policy; Wife shall continue to be named the beneficiary of Husband's insurance policy; and, C. All of the aforementioned policies shall be maintained in full force and effect until the youngest child of Husband and Wife attains twenty-one (21) years, at which time, all of the policies shall be delivered into the hands of Husband, shall become exclusively the property of Husband and shall be subject to any disposition as to which Husband wishes to make with regard to any or all of such policies of insurance, 17. IMPLEMENTATION OF AGREEMENT. The parties agree that, upon the execution of this Agreement, each of them will sign all documents contemplated by the terms of this Agreement and necessary to provide for the transfer of any asset intended to be transferred to one or the other of the parties under the terms of this Agreement and shall cause such executed documents to be delivered to each other upon ~he entry of a final decree in divorce, 18. BREACH. 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, and the party breaching this contract should be responsible for payment of legal fees and costs incurred by the other in enforcing their rights 15 under this Agreement, or seek such other remedies or relief as may be available to him or her. 19. 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. 20, MODIFICATION AND WAIVER. The modification or waiver of any of the provisions of this Agreement shall be effective only if made in writing and executed with the same formality as this Agreement. The failure of either party to insist upon strict performance of any of the provisions of this Agreement shall not be construed as a waiver of any subsequent default of the same or similar nature, 21. DESCRIPTIVE HEADINGS, The descriptive headings used herein are for convenience only. They shall have no effect whatsoever in determining the rights or obligations of the parties. 22. INDEPENDENT SEPARATE COVENANT. It is specifically understood and agreed by and between the parties hereto that each paragraph hereof shall be deemed to be a separate and independent covenant and agreement. 23, APPLICABLE LAW. This Agreement shall be construed under the laws of the Commonwealth of Pennsylvania. 24. VOID CLAUSE. If any term, condition, clause, or provision of this Agreement shall be determined or declared to be void or invalid in law or otherwise, then only that term, 16 condition, clause or provision shall be stricken from this Agreement, and in all other respects this Agreement shall be valid and continue in full force, effect and operation. 25. ENTRY AS PART OF THE DECREE, Wife has initiated an action in divorce under Section 3301(c) or 3301(d) of the Pennsylvania Domestic Relations Code, filed in Cumberland County to Civil Action No. 97-2519. It is the intention of the parties that the within Agreement shall survive the aforementioned action for di vorce, and that no order, judgment or decree, temporary or interlocutory, final or permanent, shall affect or modify the financial terms of this Agreement, Both parties agree to execute Affidavits of Consent for the purpose of entry of a Divorce Decree under Section 3301(c) of the Pennsylvania Domestic Relations Code, This Agreement shall be made part of any such judgment or decree of final divorce, but shall not be merged therein. 26. VOLlmTARY EXECUTION. Husband and Wife acknowledges that Carl G. Wass, Esquire, has served as legal counsel to Wife, solely, in connection with the pending divorce action and in the preparation of this Marriage Settlement Agreement, the negotiation of which Agreement has been privately conducted by the parties and to which they have privately agreed. Both parties do acknowledge, however, that Carl G. Wass, Esquire, did explain to both of them, separately, the rights and obligations which each of them may have under the Domestic Relations Code of Pennsylvania, particularly, with regard to the equitable distribution of property, the right of 17 either party to receive alimony or to receive alimony pendente lite or to receive the payment of their respective counsel fees and Court costs, Both parties do acknowledge that Carl G. Wass, Esquire, has served as legal counsel to Wife and that, prior to the execution of this Agreement, a copy thereof was provided to Husband and he was given the opportunity to, and encouraged to, discuss and review the terms thereof with any attorney of his choosing. Both parties do acknowledge and declare that each does understand the full legal effect of this Agreement, especially with regard to the fairness and equitable nature of the distribution of marital property between them and the waiver of spousal support and/or alimony payments provided in this Agreement. Both parties acknowledge that their execution of this Agreement has been done voluntarily and knowingly and that their execution is not the result of any duress or undue influence, IN WITNESS WHEREOF, the parties have hereunto set their hands and seals the day and year first above written. WITNESS: 1J/[~~~ M chael S, Anderson (tt\'A Q, Cl\\.~ur'\)\ / Beth A, Anderson ~~ .q~~ 18 AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTY OF .l)f) uPlf II-! SS: On this, the Ie; i!: day of 4 ""-J'l.-L-F V the undersigned officer, , 1997, before me, a Notary Public, personally appeared MICHAEL S, ANDERSON, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. Ie" -.;:: 0 J <:"/ L., C"'Vc..,..d I Notary Public NOTARIAL SEAL TILLY C. KDlUS, Nolary Public Harrl;"U1U, Dauphin County My Commission Expires Nov, 28, 2000 '- C", 2; q; tr.. ;'7"'- tu~..~ C,": c c '- )0- i;-( , G: l.:". (?;. '. Ci (",.' I~ ,. "'" ~ j L:..:~ ,. '- I" ,.... .,:-; C; (J'> (-) >- C' r:~ n .:J 1-: Ule: "0 r ", r" t- c_ C?~ ,- j 0'. '.'" " lU'''' .,J G..t ,- '1' 1- ~. '#\j..! ...L; '" r- ::) 0 v ( ,) '" ...... (<J \.-:. f'- ........... (,: I" , I i ....... '-:':> -........ ---j ~l ~' : \ . -r' -"-., "'\ ~ "'\ '-& IY)~ 'J' ,~ ''-1 v-, '\-< 'V., , <" ~ \.-..--0 ~ - / "~ ....,- 11l Z' a: 0 <{ ~ ~ w g .J ~ ~ ... .. 0 <( "'U~Ul ..J . >- ..J ' w c; Z W ~ It ~ ~ 0 0' t- ..J 0 t- <( ~ c( u' o .... " w <( w - . z " <( '" > " ..J Z >- o III . Z " Z I I W " a. . . o " , It , :J n III W III n - It It <( I ., I .. , .- " f-; u: i ; ~ , (.:: 1 ~ . ( - ~ : (.- .-, , e, , j, ~ , '. L., \. ( ..' I r- " , L, (I' Ul z Z 0 0: ~ ~ <l: . ...J W ~ I- ~. <( o l.(luUl " >- -.J ; w ...J 0 z W ~ 0: :: . 0 O ~ I- o I- .J ~ <C <l: . U Q ". ~ ~ " Z . <( ~ > ~ ...J ~ >- z Ul o z . z " '" I 11 ~ . . " o It Z :J ;; m ~ Ul n tt It <( 1: I :;~lY~~:E\Ri!?W;>'SHARRWJBUR~"PeNNSYLVANfA'-liiIO,'8g:t;;~~~~:~~tt:~~fig~~~~,;~~o~l::.lYt~,t~I~1t7~ ~';;'i)i,:C:'<;"";'~";;: >:';\.:.'," '....., ': )},r'r,~z::;~~~~B~5,:n~~~;~~Sr,'it BETH A. ANDERSON, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. No. 97,2519 MICHAEL S. ANDERSON, Defendant CIVIL ACTION - LAW IN DIVORCE ACCEPTANCE OF SERVICE I do hereby accept service of and acknowledge receipt of a certified copy of the Complaint Under Section 3301(c) or 3301(d) Of The Domestic Relations Code, the Notice Of Availability Of Counseling, and the Notice To Defend And Claim Rights in the above case. Date:'7;Ld) tl /il1 JltLY.;3;li'-----.J : Michael S. Anderson 87503-1 " ( ('I j lll'-- (_;. l.'_' Fl~ ' (, " .. (. .. ~ 1 : . r--~ C" COMMONWEALTH OF PENNSYLVANIA COUNTY OF (\ ) ) ) BEFORE ME, the undersigned authority, on this day personally appeared Michael S. Anderson, known to me to be the person who executed the foregoing instrument, and who acknowledged to me that he executed same for the purposes and considerations therein expressed. GIVEN UNDER MY HAND AND SEAL OF OFFICE this S-tb. day of ~ ,1998. Notary Public in and for Commonwealth of Pennsylvania Typed or printed name of Notary: NOTARIAL SEAL TERRI L. METIL NOI.ry Public M r:ommlsslon Ex ires Jul 28. 2001 My commission expires: 5