HomeMy WebLinkAbout98-00613
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RAWNELL L. WELSH, JR. and
SUSAN L. WELSH, his wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
THEODORE WOOD, YINGST
EXTERMINATING COMPANY, INC., :
LINDA LLOYD, individually and:
trading and doing business
as LINDA LLOYD APPRAISALS,
KAREN M. FOX and ANDERSON :
REAL ESTATE, INC., trading
and doing business as ERA/
VERNON E. ANDERSON REAL
ESTATE,
CIVIL ACTION NO. 98- rdj cw;J-
JURY TRIAL DEMANDED
Defendants
NOTICE
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by
attorney and filing in writing with a court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money
or property or other rights important to you.
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.
Cumberland County Bar Association
2 Liberty Avenue
CarliSle, Pennsylvania 17013
(717) 249-3166
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SNELBAKER;;~NNEMAN & SPARE,
By' @
Attorneys for Plaintiff
P. c.
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RAWNELL L. WELSH, JR. and
SUSAN L. WELSH, his wife,
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
v.
THEODORE WOOD, YINGST CIVIL ACTION NO. 98- 0/:1 eL~-J -r.; ~
EXTERMINATING COMPANY, INC., :
LINDA LLOYD, individually and:
trading and doing business
as LINDA LLOYD APPRAISALS,
KAREN M. FOX and ANDERSON
REAL ESTATE, INC., trading
and doing business as ERA/
VERNON E. ANDERSON REAL
ESTATE, JURY TRIAL DEMANDED
Defendants
COMPLAINT
Plaintiffs by their attorneys, Snelbaker, Brenneman &
Spare, P. C., file this Complaint as follows:
I. BACKGROUND.
1. Plaintiffs Rawne1l L. Welsh, Jr. and Susan L. Welsh,
his wife ("Plaintiffs"), are adult individuals residing at 268
Brindle Road, Mechanicsburg, Cumberland County, Pennsylvania.
2. Defendant Theodore Wood ("Defendant WOOd") is an adult
individual employed by Defendant Yingst Exterminating Company,
with an employment address of 817-A South Market Street,
Mechanicsburg, Cumberland County, Pennsylvania.
LAW OFFICI:S
SNELDAKER.
fJRE!'INEMAN
& SPARE
3. Defendant Yingst Exterminating Company, Inc.
("Defendant Yingst") is a Pennsylvania business corporation with
"
.
a principal place of business and office located at 817-A South
Market Street, Mechanicsbur.g, Cumberland County, Pennsylvania.
4. Defendant Linda Lloyd, individually and trading and
doing business as Linda Lloyd Appraisals ("Defendant Lloyd"), is
an adult individual with a principal place of business and
address located at 1 Turtle Ridge, Shermans Dale, Perry County,
Pennsylvania.
5. Defendant Karen M. Fox ("Defendant Fox") is an adult
individual and real estate agent who maintains her license as a
real estate agent with Defendant Anderson Real Estate, Inc., 817
South Market Street, Mechanicsburg, Cumberland County,
Pennsylvania.
6. Defendant Anderson Real Estate, Inc. is a Pennsylvania
business corporation operating under the fictitious name of
ERA/Vernon E. Anderson Real Estate ("Defendant ERA") with a
principal place of business and office located at 817 South
Market street, Mechanicsburg, Cumberland County, Pennsylvania.
LAW OFFices
SNELDAKER.
BRENNEMAN
II SPARE
7. On or about February 8, 1996 Plaintiffs entered into an
Agreement For the Sale and Purchase of Real Estate (the
"Agreement") whereby GHF, Inc. agreed to sell, and Plaintiffs
agreed to purchase, a certain parcel of land improved with a
residential dwelling located in Monroe Township, Cumberland
County, Pennsylvania (the "Premises"). A true and correct copy
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of the aforementioned Agreement is attached hereto and
incorporated by reference herein as "Exhibit A".
8. The closing on the purchase of the Premises took place
on April 11, 1996 at which time the Premises was conveyed by a
Deed to the Plaintiffs, which Deed was recorded in the Office of
the Recorder of Deeds in and for Cumberland County, Pennsylvania
on April 15, 1996 in Deed Book 137, Page 607. A true and
correct copy of the aforementioned Deed is attached hereto and
incorporated by reference herein as "Exhibit B".
9. On or about the beginning of June, 1996 Plaintiff
Rawne1l L. Welsh, Jr., while in the process of replacing
aluminum siding on the house of the Premises, discovered
extensive and substantial damage and destruction to the sill and
band joists caused by termite infestation and wood rot.
10. Upon further and subsequent inspection of the house,
particularly the framing members and center wood girder
supporting the first floor of the house, it was discovered that
the framing members and center wood girder were badly rotted by
moisture and insect damage, were weakened and causing the house
to settle and shift, cracking drywall within the house and
causing the windows not to open and close properly.
LAW OFFICtS
SNELDAKER.
BReNNEMAN
& SPARE
11. The conditions of the house and Premises as set forth
and described in Paragraphs 9 and 10, above, were latent defects
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lAW OFFICes
SNELBAKER.
BRENNEMAN
Dc SPARE
..
17. On or between March 28, 1996 and April 11, 1996,
Defendant Wood completed (or had completed at his direction) and
executed a Wood Destroying Insect Infestation Inspection Report
(the "Report"). A true and correct copy of the aforementioned
Report is attached hereto and incorporated by reference herein
as "Exhibit C".
18. Defendant Wood knew that the Premises was being sold
at the time he did his inspection and/or issued the Report.
19. At all times relevant hereto, Defendant Wood knew that
the purchasers of the Premises, Plaintiffs, were relying upon
the proper performance of his inspection and the accuracy,
truthfulness and completeness of the Report.
20. At all time relevant hereto, Defendant Wood knew that
the Report he would issue and did issue as a result of his
inspection would be Used to represent or certify to the
Plaintiffs that the house was not infested and had no visible
evidence of wood destroYing insect infestation.
21. On April 11, 1996, Plaintiffs were given a copy of the
Report at their closing on the Premises.
22. Plaintiffs relied upon Defendant Wood to properly
perform his inspection and to present an accurate, truthful and
complete Report.
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LAW OFFices
SNELDAKER,
BRENNEMAN
8r SPARE
..
23. Plaintiffs relied upon the Report in proceeding with
the closing and settlement on the purchase of the Premises.
24. The existence or non-existence of wood destroying
insect infestation and the presence of any visible evidence of
and/or damage from wood destroying insects in the Premises were
material considerations in Plaintiffs' decision to close on the
purchase of the Premises.
25. Defendant Wood was negligent, reckless and careless in
the conduct of the inspection made reference to above and the
completion of the Report in the following particulars:
(a) by failing to detect evidence of wood destroYing
insects in the framing members and center wood
girder, which evidence was evident at the time
the inspection was conducted;
(b) by failing to note evidence of wood destroying
insects or damage from wood destroying insects in
the Report;
(c) by failing to inspect the crawl space of the
house, which space was open and readily
accessible;
(d) by failing to note on the Report the crawl space
of the house was not obstructed or inaccessible
thereby sUggesting and/or implying that the crawl
space was not obstructed nor inaccessible and
therefore inspected;
(e) by failing to observe the presence of the access
to the crawl space;
(f) by failing to inquire as to the accessibility of
or ascertain the existence of the crawl space of
the house; and
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LAW OFFlca:s
SNELDAKER.
BRENNEMAN
a SPARE
.
COUNT II.
Plaintiffs Rawnell L. Welsh, Jr. and Susan L. Welsh
v.
Defendant Yingst Exterminating Company, Inc.
Neqliqence
28. The averments of Paragraphs 1 through 27, inclusive,
of this Complaint are incorporated in this paragraph as if fully
set forth herein in their entirety.
29. At all times relevant hereto, Defendant Wood was an
agent and/or employee of Defendant Yingst.
30. At all times relevant hereto, Defendant Wood acted
within the scope of his authority and employment as an agent
and/or employee of Defendant Yingst.
WHEREFORE, Plaintiffs demand jUdgment against Defendant
Yingst in an amount in excess of $20,802.00 together with
interest and costs of this action.
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COUNT I II.
Plaintiffs Rawnell L. Welsh, Jr. and Susan L. Welsh
v.
Defendant Linda Lloyd, individually and trading and
doing business as Linda Lloyd Appraisals
Nealiaence
31. The averments of Paragraphs 1 through 30, inclusive,
of this complaint are incorporated in this paragraph as if fully
set forth herein in their entirety.
32. In accordance with the terms of the Agreement,
Plaintiffs' purchase of the Premises was contingent upon
Plaintiffs obtaining an FHA mortgage of the type and containing
the features or terms specified in Paragraph 6(a) of the
Agreement.
33. As a condition of Plaintiffs obtaining an FHA loan,
the Premises needed to be appraised at such a value that
Plaintiffs would be eligible for a high ratio to value loan.
34. Prior to closing on the purchase of the Premises,
Plaintiffs paid $350.00 to their prospective lender, which sum
included $275.00 in prepayment of the costs charged to
Plaintiffs for an appraisal of the Premises.
l.AW OFFICto
5NF.:LDAKER.
BRENNEMAN
Be SPARE
35. On or about March 4, 1996 Defendant Lloyd inspected
and appraised the Premises for purposes of estimating the market
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value of the Premises.
36. At all times relevant hereto, Defendant Lloyd knew
that Plaintiffs and Plaintiffs' lender would and did rely on
Defendant Lloyd to properly perform an inspection of the
Premises and provide an accurate, complete and truthful report
concerning the Premises and its market value.
37. The inspection and appraisal of the Premises performed
by Defendant Lloyd was required to be done in accordance with
FHA standards and guidelines.
38. On or about March 11, 1996, it is believed that
Defendant Lloyd transmitted to Plaintiffs' lender a copy of the
written appraisal Defendant Lloyd prepared concerning the
Premises, knowing that a copy of her written appraisal would be
delivered to Plaintiffs at closing.
39. On April 11, 1996, Plaintiffs received and reviewed at
the closing on the purchase of the Premises a copy of the
written appraisal (the "Appraisal") prepared by Defendant Lloyd.
A true and correct copy of the Appraisal provided to the
Plaintiffs is attached hereto and incorporated by reference
herein as "Exhibit D".
40. Defendant Lloyd was negligent, careless and reckless
LAW OFFICE:9
SNEI.DAKER.
BRENNEMAN
LX SPARE
in performing an inspection and appraisal of the Premises and in
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LAW OF'F'ICI:&
SNEl.DAKER.
BRENNEMAN
a: SPARE
""
preparing the written Appraisal in the fOllowing particulars:
(a) by failing to enter into the crawl space of the
house or physically inspect the crawl space;
(b) by failing to observe the infestation or evidence
of infestation in the foundation of the house
which was present at the time of the inspection;
(c) by failing to observe the dampness in the crawl
space which was evident at the time of the
inspection;
(d) by failing to note in the Appraisal evidence of
infestation and dampness;
(e) by noting in the Appraisal that the building
appeared to be structurally sound;
(f) by failing to note and require that the crawl space in
the house be properly vented as required by U. S.
Department of Housing and Urban Development Handbook
(hereinafter "Handbook") 4905.1 REV-1, 2-11 and 2-14C;
(g) by failing to note the excessive dampness and
decay in the crawl space of the house, which
excessive dampness and decay constituted
defective conditions under Handbook 4905.1 REV-1,
2-8;
(h) by failing to look in the crawl space of the
house for purposes of detecting and noting
evidence or potential for termite infestation in
accordance with Handbook 4150.1 REV-1, 4-29B;
(i) by failing to note that the house did not comply
with Handbook 4905.1 as required by Handbook
4150.1 REV-1;
(j) by failing to report and identify a specific
condition or specific conditions of the house
pertaining to the crawl space and the condition
of the support structures of the house, to the
extent repair of such conditions was feasible as
required by Handbook 4150.1 REV-1, 5-11;
(k) by failing to reject the property if correction
was not feasible and compliance could not be
effected with major repairs or alterations as
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purchased by Plaintiff.
48. Beginning on or about February 8, 1996, Defendant Fox
reviewed with Plaintiffs the Agreement respecting the sale and
purchase of the Premises for purposes of obtaining Plaintiffs'
signature on same.
49. On or about February 8, 1996 Defendant Fox presented
Plaintiffs with the Home Inspection Addendum to Agreement of
Sale (the "Addendum") and asked Plaintiffs to sign the Addendum.
50. On or about February 8, 1996, upon being asked what
the Addendum was, Defendant Fox stated to Plaintiffs that the
Addendum was a home inspection Addendum and that they
(Plaintiffs) were to sign it since Plaintiffs had been through
the house and nothing had been removed from the last time
Plaintiffs had been in the house.
51. Upon Plaintiffs confirming that the house appeared to
be the same inside and nothing had been removed, Defendant Fox
asked Plaintiffs to sign the Addendum.
52. Upon Plaintiffs signing the Addendum, Defendant Fox
wrote "Waived" on the Addendum.
LAW OFFICES
SNELBAKER,
BRENNEMAN
8: SPARE
53. Defendant Fox, by the statements made to Plaintiffs as
set forth above, represented and suggested to Plaintiffs that
the purpose of the home inspection was to ensure that nothing
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had been removed from the house from the time of the initial
walk-through of the house by Plaintiffs and their execution of
the Agreement.
54. Defendant Fox intentionally misrepresented the purpose
of the Addendum for purposes of deceiving the Plaintiffs so that
the Plaintiffs would not have a home inspection completed.
55. Defendant Fox intentionally failed to state or
disclose the true purpose of the home inspection and Addendum
for purposes of deceiving the Plaintiffs so that they would not
obtain a home inspection.
56. Defendant Fox' intentional concealment of the true
purpose of the home inspection and the Addendum related to
material information important to Plaintiffs in evaluating the
condition of the house they desired to purchase and on deciding
to close on the purchase of same.
57. Defendant Fox' actions as set forth above precluded or
prevented Plaintiffs from making an inspection they would have
otherwise made if the true purpose of the home inspection and
Addendum had been made known to them.
LAW OFFICES
SNEL8AKER.
BRENNEMAN
6: SPARE
58. Plaintiffs reasonably and justifiably relied upon the
statements and apparent expertise of Defendant Fox with respect
to her advice to sign the Addendum.
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59. As a direct, factual and proximate result of the
statements of Fox and her concealment of the true purpose of the
home inspection and Addendum, Plaintiffs did not have an
inspection of the Premises conducted.
60. Had Fox not concealed the true purpose of the home
inspection and Addendum and misrepresented the purposes
therefor, Plaintiff would have had an inspection conducted which
would have disclosed the defects made reference to in Paragraphs
9 and 10, above.
61. As a direct, factual and proximate result of the
statements of Fox and her concealment of the true purpose of the
home inspection and Addendum, Plaintiffs sustained the damages
and losses more fully set forth in Paragraph 45 above, the
averments of which paragraph are incorporated by reference
herein.
WHEREFORE, Plaintiffs demand judgment against Defendant Fox
in an amount in excess of $20,802.00 together with interest,
costs of this action, and attorney's fees.
LAW OFFICES
SNELBAKER.
BRENNEMAN
Be SPARE
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COUNT V.
Plaintiffs Rawne1l L. Welsh, Jr. and Susan L. Welsh
v.
Defendant Karen M. Fox
Violation of the Pennsylvania Unfair Trade Praotioes
and Consumer Proteotion Aot
62. The averments of Paragraphs 1 through 61, inclusive,
of this Complaint are incorporated in this paragraph as if fully
set forth herein in their entirety.
63. For the reasons set forth in Count IV of this
Complaint, Defendant Fox engaged in fraudulent conduct which
created a likelihood of confusion and misunderstanding with
respect to her dealings with Plaintiffs.
WHEREFORE, Plaintiffs demand judgment against Defendant
Fox in an amount in excess of $20,802.00 together with interest
and costs of this action, attorney's fees and treble damages in
accordance with the Pennsylvania Unfair Trade Practices and
Consumer Protection Act.
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AGREEMENT t'OR Tim SAI.E AND PURCIIASt: OF REAL ESTATE
Thll rorm r<<ommcndtd Inti IPPlond ror. bUI nollcJlrh:trd 10.
Ult by mcmbcn or lhe Oruler Ulrrhbur. ^noclltlon or ReALTORS.
AOIlNT FOR SllllllR:] ~UD AOIlNT FOR SllllllR] [ AOIlNT FOR DUYIlR ]
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hereln.ner CI Sel cr an
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hcrelnaner ClUed Buyer.
2. .ao'UTYI Seller hereby ',ftetla tell.nd conve)' 10 Ouyer. who hereby '.'fC',\o/P\l~.ch.1'J ALL Tltj.r cnR~N WIt" pit<<
" br.f dwhh. bulldlnpandlm ravmentltherton .lrMl'7..nlJ.'lZIp:....~!:! I Dr"It3.la=:...- CO". I
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3. ZONINGI Zontn, Clu.lncatlon ' (',
Failure arlhl, Aareemenllo contain the lOnln, c1ullnutlon except In cues where the properly, (or each p.rcelthereof, If lubdlvldabld
I. toned IOlel)' or prlm.,lI)' 10 permllIJn,le.(amll dwelllnlllhall render thl, A.reemenl \loldab e '1Ihe~PtlOn of the Buyer and Ir voldtd
" depolltJ tendered by the Buytt I be r ur to the !Ulycr -:,lIhout . requlr nl or courl Icllo
4.1'UMS .) Purchue P c:e -, -'~ lJf:"'r .0 I "
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,,"r ee, AbDmoNAl DEPOSIT dlll_ Of before I _
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ud hoaItowiMr IIIDdallOn rea" IIIJ', water andIOf Mwtt 1CDlllr MJ', losec"" wllh 1n7 other IlCMbll mUllklpalllerYbl. AU 1Il..11 TllUlder Tun be dJ~
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on Of berorl
.. nNANCNG COPnlNClNCYI TbJI '"'J I R1b~ 10 Ih, nllandllj II fOn;, HRRJ I ':. 3
(I) ~~~fJ~1J-I~T~~rr "TYpe - J . MINIMUM Tl!RM 0 l.( r=;"
, .lNTERBST RATE "MAXIMUM TOTAL POJrq-s, I~CL'l"INO L~ ORI'Il..~J'Pfi,.FEI!. TO BE PAID BY me BUYER: ()
Tl!RMINAL DATE rOf Obtal",", FItlllldll, Commllmtnl I ?..1c. (t': 1 ~ LL~
lIIohr 11II' idYl.. Durer or pouIbk IO\Ilen of tIIDft,q. fundll bul ClllftOC wumt reaJ'lOII~b1UIJ rOl obIalnlll' Durer', mort",l. If Kid loan CIll~obIallltd
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R1bJea hotrntr 10 11M prln'hlotu In Parl"lplll 6(blllMl 6(c). n r, 0;0:; ....,
I (b) , Bu)'lf IbaJIIlllkI I compkted &ppIkat1ort 10 I .npotulble Itlldln,llI,lllulJoa 'or lhe Rid loan wtlhlll eaSmdar dl'" Ir I Selkl', 'pplDI'al hcIcof.
, \. ShOuSd IIw 8v)'tI' rail 10 mlb Iud! COIIIpkttd IpplluUon wtlhllllMlpcdr1cd lime. IlahlO be 111M 0Dll0n Dr 1M StUer wlthlll nve 1'1 caIm4ar dl'" IMllner 10:
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Accnllo I 2f.b1lc ,Old mlr r"lIIf' hlilUlC. of 1 IUlhwl oa:uput.,g qtrmll rromlfl! Otpanmml or rllntporllllOC'l.
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C Dual ~ Colltenl C Otherll):
11. rUlSONALnl All uhlln. phImbilll, hulln., alr-condltlonlll' and lIahdll, nllurn llndlldln, clu.ndcllClland edllll' ram) Ind 1,IIIf1Ulppuncn&rlllhttllo and (OImlll'
I pIJ1lherlGr. and DIM pnmlMlll fullll'n, II wrllll all ran,n.lalllldrr luIM. T.V. 1IIlellllll, mutllUld rOlOl l,unnl.Ia,IIM wllh will to .111 carpetlll,. kflCll't lIorm
wh and/Of door', lhadn, Iwnll\ll. \'mIl11UI blllMb. COllpllll'l tOf IUlom1l1c wUMnlUld dt,erl. Il:C. ,adIllor co__erl, cDfllm. .IIC1lDl'lmClI. 1I1dwn cablnrll. OtlpnJ'
ladJ, driPIf)' rod lIardwII', C'\IrtlJII .odll C'\IllallI rod hlld."t, 11IIrttt, shllbberJ'. pllnlln,,"ow III Dr on plopnlJ. 'If'" doot opmen. ,hldl; If III,! unlnllpcdlic:allJ'
ucrpted InlhllApmncnl. 1I.llIdlldtd n the tak IUId ""rehue prlet. None 0' lhe lbote mrnllollN heml Iblll be ,""Dyed Of IIIbIIIIIlled b, Ih. Seller trom pllmllCllfter
dllIOrlhl1 t\aJmnelll. All' rnnalnln. hadll,lnd/o, cooklll' r~lllIored Olllhc prnnhn II t1m.ortt1lltmC11l 11.1110 Included under Ihlt A"ItIIICllI. Selltt henb, Wllranll
IhaI he/lbt wIll dellyCl ,ood tllle 10 III of lhe IIlkln lkKrlbcd Inlhll pa"r.IPh, IUId anr 0100 n""1l1 or limn or peuonallJ Ipcdlklll, II;lHdulcd 10 be Inclll4cd In Ihls
lilt. Seller WlftlUlUaU p11Ul1b111', h'"ln"lit condltlonln., mKhanlcllllld e CC1rlclll,IIn11' IlId CQlllpm.nllnd Ipplt.ncet 10 be In proper wotklll,OIder It 11m. OrMttlcmml,
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IJ, ;AtWIIh or DIrOItIfI Dtr'Ol/lI. "'lfdkll oflht f"'lII of "',fIItltl .1Id IN ,,"101I dnI,"lItd.. pt,... ""II lit pUd 10 A'ltll 'Of 1M lIt~'":1 .ho ....11 ,nllllthtm III
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n..t.IaJuKNOI.tw. "'1taNII&1IIIU-.bt.flalldtd lit IhtOmo.r fOl lilt Rtc:ordlaa 0' Drtdl OIla Ill, ather oftkt 01 DCIet Q'PIIW1crecord.1IId It lu7'll' Mill IIrOrd Ihll
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., it. DUAULT -tINE II or tHr. UStNCl:1 1M Slid 1111II'01 attllttMnl &lid III Olhtl Ilan, tt'lIffd 10 '011'" PII'CIIZIIDtI 0'11I, of lilt otrlIptlou 0' Ihll A"fftTJlIll
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. III Ibt Pf'OCUtIll. of 1M ftIOII.... toarr .pplkaUOfl. _Mdt artl .ould '""11 III ,bt fll"',.,o obtallllllt 'PPlo'lI 0 . m~ 1011I rnrnmlllllllll. 01
(f) ~t:.~o =~=Cf=~':~I~~,=::n.a~O:~~~~I~~==; Ibm III 'ucb CUI.~lkpoIIllIMlfIln at""IUllIIPIlcIlr)IIM Burn 0II1CC011111
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...-....... .1;lIl:OOYUW: FUND, A mJ 11I11. mot"' fund tdtl'IO m.......",. '*-'.110.... obtll"td I nllll d\'ll JudlllltOllllllllll'l Pllltlt}'trull 1M! ntIl.lIcht.. ..-111'
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JL alAL mAR DIJ,UTI lDOt.unON 1YITDf, All' dllpul. Of claim arllln, OUI 0' 011111I11'-110 IhI. Aarronnml,lho! bllKh 0' Ihl. Al1fftTJ.nl or 1M Itn-Icc prowhJId
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U. ACIEDrIHttTHIS A01E!M1!HT CONTAINS 11IB WIIOU! AOII.El!MENT BEtWEEN THE SELLER AND BUYER. TUEle ARE NO OTHI!A tERMS. DHLlOA.
TIONS, COVENANTS. REPRESENTAtiONS. STATEMENTS OR CUNDITJON3. ORAL oa OTHERWise. OP ANY KINO WHATSOeVER CONCERNJNO TillS
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:t.~,.,~:P~O~ER:rv:~ . ..._ I_"'!~''''''I .II,'I,j.(" . 'o' .(,' ',I""', .t' "I:'" .t::1,']
j' . ., .. . '. I' ," '.,1 I'" ' 'I ,'" ".,.. I.' .,:1
'i;'"SELLER(S): r', ,', :"" 'j',"B~yal((S)i" " , .', , ' . ;'f
~: . . ..... . .'.,.... . . . :. ' . L~ :,."...j\~li~"'t.:'!-j,'~'" .~'... :'..I~ ", '.: " . . ~...I-; ,.; \r.. :!.~~1l
: 'BUYER(S) b nOI purchulna a new house and Ihe property may have minor defeclJor pjOblemi wOO.ted With 'a raale property, Thb Addendum; ',~.i'"
, 'alloW! BUYER(S), al BUYER(S)' expense, an opportunlty to have a professional home !DspectIon Company, whlch conducu huJXd!OI\I iD accordance' , : ,:~
with SlIDdUds of Practice of American Sodety of Home Inspeclon (A.S.H,I,), 'aIVe;in oplnlo,n u to whether any defectl or probleml ~tln: ,':~
, , the hoUIC. BUYER(S)' Inspection Ihalllnclude the enllre dwelllna and condltlonsat(CICIlna lbe dwelllna, unless Indicated below u addIllons or;. ..,'~
deletions, and Ihalllnclude bUI not be IImltM 10 an examination of all mechanlciJ;'eI~ifcal; Plumblna, heatln. and alr condltlonlnal)'llenu;'iDd :,\?i.
appliances IncludM In the sale as well u InsJXd!on of the foundation, walls androofofthe hoUse, A report which does not cite "majur" defect(l) ," co'
b considered 1It1lfactory for e purposes of this Adden~~~. ~'., ' " ';:,:\l~~?Jt\'~J~'~;" " ' ..,': , '",~;: ;j-::;~', : '
",. 'tI . " . ",' ." ~.~ .~",:11), ~"'''~'''j\:.' ,," . .." ,.','" "
-AddJ om: ' "" " I ...,.........,.a.'. .1.". I,'. ., ,,"'~" ~,. 'r-..'
,. ;\"I';.:'I~\','::,:r"'"-!,:"',,,~;:"',, ';. ' . j'!"
Deletions: ' , . ." :';.' . .' ':,~'
A report whlch does cite a majo defect Is subject to the qreements and ~ondilt'';~:'mti; bc'iciw.' A ~aj~r defect shall ~ derm~ 'u'my d~~i~
Z: defect which will COil more than S to repair u estimated by Ihe lnipectlon company, or accordlnato a wrIl1en estlmale from
a reputable professional In the rei ant trade or mess. ny defect noted on the InsJXd!on report which costs less than Ihe stated alnotinl shall
be considered minor, and the BUY (S) hereb alves any jectlon to that defect, J10twithlllildlnathls provision, paraaraph 11 of the Aareement
,of Sale which provides all plumbln heatln air cimdltlonl a, mechanical and electrical SYlieins and equipment and appliances to be In proper
" ,worklna o,rder al time of settlement, emal Lin fun force d effect at t~~.i~,~{f~I;f.~~t~t: \. ' \ ' ',,'.' ,.. ',; ';;
WlthiD ten (10) calendar days of the sl In of the Aareement of Sale by both BUYER(S) and SELLER(S), BUYER(S) must notlfy,SELLER(S), ,
iD wrIt1na. of any major defecIJ discover by the home InsJXd!on company; ThIs notice must be In wrltlna and a copy of Ihe relevant paraaraph(l)
, In the home InsPection report must accom y th:.t' otlce. If BUYER(S) does nol notify SELLER(S) of a major defect,ln wrltlna. within len (10)
c:alcndar days from the slanina of the Aareem t of . ~R(S) waives ~ o~l~on 10 ~ defect, except lIS provldM ~ the Aareelntn.I, of~,
~', If the home InsJXd!on report reveals a major d ,d t B ER(S) has timely notlliM SELLER(S), SELLER(S) Ihall notify BUYER(S) within
, live (') calendar days whether SELLER(S) win, a EL ' xpense, correct' the condltlon'prlor to settlement. Failure of SELLER(S) to timely'
. notify BUYER(S) of Ihelntenllon to correct shall ean SELLER(S) refuses to co'mct Ihe'condlllon. '.,,; .",' :-', . ~:("'" ':"',
, -. '~'.. :i:';~ ':":'. ':,'" :," . " ,", ~ .-":. '- ,".- "r; -
~' ' IfSELLER(S) elects to correct Ihe ccndltlon, this Adden be deemed satlslied aDd the Aareement cifSale shall remain In full forCe and'effect, ' , '
.;' ....... . .' ,_ . " ....-.~,,".t',.~..::,i.....~,:..'q:-...'.. :". - . ,'. ,;:. _~.._. ;::',:.
~ 'If SELLER(S) elects nolto correct the condition. then, \vIt e ') calendar days of BUYER(S)' receipt of SELLER(S)' notification of elClCllon, ~; ,
, BUYER(S) shall Rive wrI11en notice to SELLER(S) of BUYE ' election to do one of the following:' '
(a) accept the property with the condition revealed by the I Ion withoul abatement to price; '!.',::
(b) neaotiate the cost of correctlna the coodltlon with If SELLER(S) refuses to neaotlate the cost or the panles CaDnot' - ,
,reach an aareement as to the price, then BUYER reserves the t to declare the Aareement of Sale nun and void; ..,' ','"
(c) declare the Aareement of Sale null and void. ' '
In the evenllhatlhe Aareemenl of Sale Is declared null and void, then there shall 0 further obllaatlon or liability of either pany and all d~slt '
money shall be returned to BU:ER In compliance with apPllca~.."1~~on~. ,
BUYER(S) and SELLER(S) hereby acknowledge that any AGENT'orsttB ",QIi~J:J!.MJJ no mmend or auarantee any pe~n 'or comPany to
, ' ,. perform the Inspection, certification, or correction of any condition pursuant to the ternu of t ddendum. Any AGENT or SUB-AGENT will'
not select a contractor to perform any service pursuant to this Addendum and will place orden for s services only at BUYER(S)' or SELLER,(S)' ,
direction" ' , " " ' ", ':, "; ,,' ,1, '
,'.
Notice: Any notice required hereunder shall be deemed given when actually received by any' AGENT, SUB-~ ,or BUYER(S) or SELLER(S),
Release: BUYER(S) acknowledges that upon receipt of said home Inspection report, BUYE Is retYina solely on 'd Inspection report and nOI
on any representations, expressed or Implied, by the SELLER(S) or any AG ENT, Upon acceptance ol'lald report under the terms
aareed to above and selllement on the propeny, BUYER(S) releases and d1scharaes SELLER(S), any AGENTS, SU8...ooliNTS and employees
and any officer or partner of anyone of them of and from all manner of claims, rlahts and actions whatsoever, In law or ~ ity,ln connection
with the condition of the property, This release Is intended to survive the senlement hereunder.
Fu Staltmenl: ThIs Document and any amendments thereto, may be executed In multiple counterpans by the panies and delivered by way ransntfs.
slon through a fasclmile (FAX) machine and such counterpans shall have the same legal enforceability and blndlna effect as though it were ned
by all panles In original form. '
IV. ~ /' .~// :.,/.-
WITNESS:...L}QA tJ--71 E;;~~R(S): l4"!-.ifJ,@.'?('/ ~-'1 jJ DATE: ;"- '?-yc:. :-:
WITNESS: ~.::> #; .J,~ ~ BUYER(sf-,L-(( ~ ~_ L.~ ~~. ,~ I. " DATE:] ~~ Ql ()
WITNESS: '/'k;:~ ,.2.. _~-.. :.2LLER(S):G/lF._NL. I.. ~.r,'J..-:J (,l(~..x/7/1~
. / -' -' ~ .//11) .-/,..
WITNESS: .' " . DATE:
WOOD INFESTATION ADDENDUM
TO AGREEMENT OF SALE
Thil form recommended and approved foc, but not reslrlcled 10, use by members of the Ottller Hlrrbbur. Anocllllon of REALTORS. .
DATE OF SALES AGREEMENT: &. b.. 2. ,19 9'-
RE:PROPERTY: .9fo;< f?;;,)r1le~ kncul) rr}er J1rHl;r::. hUt~
SELLER(S): G, f-f .F, Tn r ~ BUYER(S):Rt1 1.0 f)€' /j L, V <;11 ,-;~,~L 1. 11.11=/; I
I. Prior to settlement, SELLER(S) shall at: [ ] BUYER(S) or [ ,(1 SELLER(S) expense, order from a Pest Control
Operator cenified by the Pennsylvania Depanment of Agriculture a written "Wood Destroying Insect Infestation and
Resultant Damage Repon" and shall present said repon to all other parties,to the Agreement. Such repon Is to pro-
vide that an inspection of the readily visible and accessible area of all structures within the propeny limits has been
made satisfactory to and in compliance with applicable laws, mongage and lending institutions, and/or Federal Insur-
ing and Guaranteeing Agency requirements, if any.
2. Seller shall, upon receipt of said report, promptly provide a copy of the complete repon to all panics to the Agreement.
If the inspection reveals evidence of active infestation(s) and/or previous infestation(s) which has not been corrected,
SELLER(S) agree, at SELLER(S) expense to have the struc ure(s) treated for such infestation. Exceptions, if any:
~ ,. ~" t"
3. At the time of notice as specified above in paragraph 2, SELLER(S) shall also advise within five (5) days whether
or not the rcsultant structural damage, If any, will be repaired, at SELLER(S) expense, prior to settlement. If SELLER(S)
elect not to repair such damage, BUYER(S) shall have the option of accepting the propeny with the defects revealed
by the inspection, without abatement of price, or being repaid all monics paid by the BUYER(S) on account of the
purchase pri~e, together with BUYER(S) expenses, if any, as may be ineurred or provided for under the terms of
the Agreement of Sale, Including but not limited to the following:
A. Cancellation fee for title insurance or abstract fee for searching title.
B. Cancellation fee or binder charge for fire insurance with extended coverage and/or flood insurance. if any.
C. Appraisal fees. credit report charges, and/or survey costs.
In the latter event, there should be no funher liability or obligation on either of the panies hereto and this Agreement
of Sale shall become NULL AND VOID. BUYER(S) shall notify SELLER(S) of his election within five (5) days after
BUYER(S) receives SELLER(S) notice of refusal to correct the condition(s).
All other terms and conditions of the said Agreement shall remain unchanged and in full force and effect.
FAX STATEMENT: This Document and any amendments thereto, may be executed in multiple counterparts by the panies
and delivered by way of transmission through a facsimile (FAX) machine and such counterparts shall have the same legal
enforceability and binding effect as though it were signed by all parties in their original form.
RELEASE: The Buyer(s) hereby release, quit claims and forever discharges Seller(s), Seller(s) agents, subagents, buyer(s) agents,
employees and any officer or partner or any of them and any other person, firm or corporation who may be liable by or
through them. from any and all claims, losses or demands, including personal injuries, and all the consequences thereof, where
now known or not, which may arise from results from the presence of termites or other wood boring insects in any building
on the property. . ..
j ! / /'1 ,') J ;::--. "~ ~" 1/: .' '::, .- r ,
WITNESS:-1\ry(.,.VJ .//, o:---C.{,:::!:81JvER: '..!,.'7I'''i1 ,.,/', (DATE: ..!~
, , , 1.',s7' .
WITNESS: ':.L.~)~.y) ,'<~""L,./ BUYER:"'- '" ',_ ~L..,' DATE: .. ,~
.." ", .';' -, '-. I'" - ,I.~ I"/,
WITNESS: " !,',', "'~G.J '~-SELLER:-J't-.-"-II! ".,1..,.".:. .. O;.';TE: "";'.r
.. "
WITNESS:
SELLER:
.", ....,i//. .-4-
i-- ,.'.J.J/AU ....,1./.......:." ,>t.', DATE:
\\'IA #3 11/93
.........---.-..."'''-..".
-
,
RADON DISCLOSURE ADDENDUM
TO EXCLUSIVE RIGHT TO SELL AND AGREEMENT OF SALE
Thlt form recommended and apprO'led for, but nol ,.slflcted 10, USI by mombe,. ollhe Or..l., tt."llburg ""nelaUon of nl!Al lOnO-
1--J.'7. n/
DATE OF LISTING: . -IT' ,g-;)' DAlE OF BALES AOnw,oENl" ,-, -1" -c:J. TiJ' ,,191 "'-
RE: PROPERTY: tlt~ ,fi'--J..J:J.d.-,-e.-haaJ...,Jllc:c.lk.,,/., '-r-u rct, Fit, / 7(j':;.~
SELLER(S):. r; f./. Tt1.c BU'Enlsl/~(JJ"el ,j..,g(l:OcJlI/.. tuc/::: I,
A. NOTICE TO SELLER(S)/8UYER(S) REGARDING RADON GAS
1. Radon has always been prssentln the air: consequentlv varying lovala Dr radon 0"1 mav bo found In vlrtuAlIV all horn...
2. Radon la a radioactive ga. produced naturally In the ground by the normnl docay 01 uranium And ,adlum, UrAnium ftl1d 'Idlum
arewlde'v distributed In trace amounts In the BIrth's cruat. Doscandenll 01 ".don gnl." cllled "adon dllughl"., or "adon
progeny. Several Radon daughters emit alpha radlallon, which hal high onerGV bUI Iho'I f1l11gl.
3. Studlealndlcate Ihe result 01 extended exposure to high 11'1,11 of Radon OltlRadon daughle'l, mlV be an Inc,ollll" rllk
of lung cancer.
4. Radon gls originates In soli Bnd rockl.1t dIffuses, as does any gBS, nnd f10wl along Ihe flath olle..I'oIIIIAf1Cllo Ihe lurlacD
of the ground and then to the atmosphere. Being a gae, Rldon eln 1'10 move Into Iny Ilr 11'ICI, luch .1 b.lemenID, clawl
spaClI and living areal.
5. II a house hu a Radon' problem, It can usually be cured by (a) IncroBlDd yenUlBlIon ~llIt1Of (b) preYlnUllg nldon unifY,
8. The EPA advises correctlYI acllon If the AnnuBlaYlrage ellpolure to Aadon dlughler. IlIce,d, ~ IllcnCUflelnll." I!rA fu,lh.,
adylaet that In mosl cases, 'he short lerm screening mOllluromanlls NOT. 'oU"hlo melllure 0 Ih" ,lIlIual IYIIIlIgn rBllon
level of eXpolure. IIlhe Ihort term scraanlng moasurement 'elull II ~ plCOCUfI.lIl11lr to iO ,JlcOCu,I."'lllr, lollow.up
meuurements 10 determine an annual ayerage are recommended.
7. ~urth.r InformaUon can be aocUled Irom Ih. DER Radon Offlc., P,O, Do. 20f13, "a",.bulg, "A 17t20; C.II t,OOO'23nADON
or (717) 783-3594.
I
\
;1
'I
8, RADON DISCLOSURE BY BELLER
" SELLER(S) h.r.by acknowledg.. r.c.lpt of nollc. .. ..1 fOlth .bo.. .nd c..III1.. Ih.t (ch.ck Dilly Oil.);
, ., ( ) Th. properly h.d 0 Short t.rm .cr..nlng 0 Annu.II..llng 0 Olh., ----------
t..llng by: 0 SELLER(S) 0 C.rtlfl.d T..llng '.lVlc.. on ----------
Tha results 01 which were: plcocurlos/lller.
( ) In .ddlllon, SELLER(S) took r.m.dl.' .cllon on
and the radon was reduced to plcocurlssllllor.
b. ( ) SELLER(S) have no knowledge concerning Ihe prosunc! or absence Of nadon.
2. SELLER(S) hereby authorize agent, any subagents, and buyer'. Igon11,Io dllclnll. thelOfegolng 1"'or,,,ol1on to prospoctlve
buyers.
WITNESS: SELLER(SI' __,____..,.._____ DAlE, -------
W1TNESS: SEllERIS): _'__'___. DATI!: ------
C. RADON DISCLOSURE/AGREEMENT OF SALE
1. BUYER(S) acknowledges receipt 01 nollce as sot lorth In Paragraphs A. '.7, abovo.
2, BUY~(SLOPTION (Check only on.):
a, B YER(S) .cknowledg.. h. h.. Ih. rlghllo ha,. tho bulldlng(.) In.pocl.d 10 d.'.,mln. II n.don ga./d.ughl.,.
s presenl. BUYER(S) walye this right and agree to Bccepl propofty and agreel to the rnl08se sollor1h below, In
n.m 3, RELEASE,
b. ( ) BUVER(S) acknowledge resulls 01 SELLER(S) car1l11catlon at _ plcocurlesJlller and agrllDs 10 accopt
property Bnd agrees 10 Ihe relesse sellorth below In Itom 3, RELEASE.
c. ( ) BUYER(S) al BUVER(S) expense ahallsecur8 and proYlde D wrlllan ,adon ropoft hom a corllllod rndon losllng flfm
on the property on orbelors . Failure 01 DUYER 10 produco the 'eport 10 SELLER
within Ihellme herein specified shall consllluto a walyor 01 BUYEA'S right to 8 ,adon contlngancy. Upon 80ch walyer,
BUYER agrees to accept the property and agress to Ihe rele8s8 sst fonh below, In lIem '3, RELEASE.
AI th.llm. ol..,d notlcalo Ih. SELLER(S), SELLER(S) .h." nd,I.. wh.lh., 01 1I0t Ih.,..., oll.don dol.cl.d will
be corrected at SELLER(S) expense, prior to settlemont, IIlho loyal ollcoodl______ plcocufloalll1or.
II SELLER(S) elects 10 lake remedial action at SELLER\S) ellpanl8,lhe fomalnlng prOylllonl ollhll contract fom~ln
unaltered and BUYER(S) agrees to the release as set Ofth below In 110m 3, RELEASE. .
If SELLER(S) elects not 10 lake Ihe remedial acllon, If anv. DUYEn(BI .holl hftvo lh8 opUon 01: 1) accopllng Iho
property wllh the radon levels revealod by lhelestlno, wllhout oblllomont of prlca and au,oollO Iho foleaso 101 forth
bolow In lIem 3. RELEASE, or 2) being repaid all monlos psld bV the DUYEf1IS) on account ollhe purchaso prlcD,
together with BUYER(S) expenses, II any, 8S may be Incuffod or proylded tor undof Ihe torml of the Agroemont
of S.,., Including bul nol IIm1l.d 10 Ih. following:
A. Cancellation fso for tllle Insurance or abslract 100 tOf loarchlng tillo.
U. Cancellation fee or blndor charge lor flra Insufanca wllh olllendod coyorage and/or lload IlIlurance If any.
C. Appraisal foss, credIt reporl chargos, andlor lurvoy COlt.,
In the latter eyenl,thers Ihall be no lur1her llablUly or obligation on ellhor ollho 'HlIlIal horolo, and Ihll Agroomont
of S.'. .hall bacom. NULL AND VOID, DUYEn(B) .h.1I nolllv DELLEI1(Dlln WIlling of opllon wllhln 11'0 (5) day.
aft.r BUYER(S) I.c.',.. SELLER(S) nolle. of ,alu..,IO I.~. l.m.dl.1 .cllon,
3, RELEASE
Tho BUYER/S) h.r.by r.'....., qull claim. .nd ,'''.,., dloch.,S.' SELLEI1(A), BELLEI1(SI AOENTD, SUDAOENTS, DUYER/SI
AGENTS, EMPLOYEES .nd .ny OFFICER or PARTNEn or ony on. of Ih.m .1111 .ny olhnl PEnSON, FIRM, or CORPORA.
TION, who may be liable by or through thom. from any and all claims, 101101 or dernands, Including po,sonallnjurles, and
all 01 the consequoncos Ihorea', who" now known or not, which may .,111 flam Ihe pfolencl 01 Radon In any buildings
on the property.
Fl. Slallmenl: This Document and onv Dmond,"onll Ihoroln, nllly liD oluculod In mlJllll1lo countorparls by the parties and
dellyered by way 01 transmission through alacllrnU. (FAX) rnllchl1l8 and luch count.'II.111 ahall hayolhe .ame logal enlorcoablllty
.nd blndln;~I" Ihough 11 w.,OSlg:1 by .11 paltl.. In ~'IGlnaIlOlln,.... , ." , _' ,_ , '
WITNESS:! ~~l-'-s7"(';;<(~ lIlJm~61_, r'....."'r/.j.!.....J.~'r'--- DATE: ,L' . / ("
~~ I) ,,~'
WITNESS: I \._'__ nUYEnlftl._J_J .~. ,. ~:c-U-:J'c.--....!-l-I- P!'-TE:. '.' ~ l (,
W1TNE~.4' '. ~ ~- .:..~ 8EL,IEI~SI ~/li..1, I ";"-'1 ,//.'.'lu::.16At(,~ :Jhl'i?-o
W1TNE~ 61!llfl\(81 '('4'_1!! Ul.-_.!j!.!..I..Lf!tt.l::- DATE:
.........
, PRIVATE WATER/SEPTIC ADDENDUM,';" ' I
;~ , ' . ;:::.1'" TO AGREEMENT OF SALE
':~=~:~fOfE:~~~UMby1El":rrQ=~'~~~9~~' I
=~~Jf(r~~;.;=' ~'c.n~~nL. f~:'~:~" cg, p~ /7~~~ I
L ITAT!IiElnI (A) 7'IIIdIClf(8J '^ (ClIoclIOMClfbol!l.l
A. PllYATI! WATI!R POTARITY TOT (0lIcIl one)
QPlIorIo..allm'I'I.SELL~IhII.1I: 0 BUYER(S)' PI*'IIor Drsa.LER(S)' "'l**.onIIrIrornIW_TeelIng lIborIIoryClftlfled
'~ tllI PennIjfvInIIIlIpI/ImInl of Elo1lo......,1II ~ (P~. I wrillIn report,
TIlII report IhII ccntaln: (0lIcIl one)
o A 1lIdIl1aloglcll"'" Ii' A blctlllologlcalllld chImIcIJ IIlI/yIlI
wNdI.... belrl_,,Aloa wIh ~ end Ierdng lnlIlUon""""endIor FtdlIIIIIramg end Gu........g AgtmJ ~
K lIft.llIId report.... be preMed 10 tllI BUYER(S) pnlIlIllt/y upon IICIipI. Such I report Is 10 pnMdItllIt tllI_1s wiIllkI 011 lluImum
ConlImklIIIan lMII (MQ.'.) II tIlaIlIIhId by tllI P...1IJ!vInlI1lIpIrtment 01 En.bo......1Ial RIDRII.
KtllI report lMIIIlhIIllII_1s IlOI wIII1In tllI uId DeR IIQ.... tllI saLER(S) wiIllkIlI'/I (5) dIyI 0I1ICIIpI 01 uId report Ihdldvlll
willi!.- _ euppIy" be trIIIlId 10 CQIIlIlly wiIll DeR IIIIndIrdIII sa.lER(S)........ by ~ oIlIPlll...iIdo eqUpmInl prior 10
, IIlIIemri K ~ IIIclIIlOIIo IrIIl tllI_llllllICt. BUYER(S) Ihd hI'tI tllIlllllIon of: 1) MlCIllIInll tllI properly wlIh tllI_
IlOI poIIIllIlllIiMd by AId reportllld .-10 tllI,........forth blIIow In n. RELEASE; or 2) blIIng repeId II monIII peId by tllI
B~on _oItllI ~ prict, togeltlerwllh B~' ~ K 1I'If. II '"'YbelnClmdorpnMclld forund.-tllIl...
01 tllI ~ 01 ~.1nCIUdIng but IlOIImItId 10 tllIloIIowIng:
A. CIl.o.lllllo.I 1M for tIIII ilIIurInce or IbIlrIct 1M for....tllng UtIt;
B, c.......... III or IllncIIt cIwgt for ftlllnslltlncl wlIh mencIId COVIf1llIllldIor IIood 111IUIIIlCI. If II1y;
C. AjlpnIIII". CIIdI report chIIgIIllldfor limy COItr, Illd
D.W...IIIllng..... '
In IllIIIItII' -. thn IhIII be no further liability or obIIgaIion on elllllr of IllI pertJee hereto. Illd IhII ~ of Sale IMIl become
NUll AND VlllO, BUYER(S) IhII nolIly SEllBl(S) In writing oIlllllIon wIII1In lI'/I (5) dIyI efter BUYER(S) receIvII SELLER(S) nolIce of
refueaI to lib remedlIIlCtIon.
SELLER(S) _ thII SELLEA(S) own ell equiPfI*II aeocIeted wlIh lhe wiler eystem, except
DB~ wM IIIllng of AId _. BUYER(S) further duowledge lhII no _ hI'tI been IIlIdIIo Ihem by,any paI1ln 10 IhII
b. .edoo.lIQIIdnllllll poIIIlIly Of chemIceI conIenl of tllI_ plO'<Ided 10 euIljecI properly, BUYER(S) herein ..Jo..otodo".llIIII BUYER(S)
hMbeen Intormed thlllI.lljec:t proper1y hili privelI well for Its wiler llllllICt Illd IIdviIId 10 hI'tI tllI weIl_leeted!>y I Wiler Testing
lIborIIory, BUYER(S) .-10 1llI_ II lOt forth blIIow In n. RElEASE.
L PllYATE llIW.OT BAllE SYSTDI (Check one)
iZIPl1ortoeeCtllmlnLSELLER(S)IhIII.el: 0 BIJYER(S).........or '(l SEllBl(S).expne.hl'tlprivelIon-Iol....eystemopened.
~ link pumped Illd lnepecIed by. repuIIIlIe sepIlc COIlIpIIIy Illd prMle 10 IllI SEllBl(S) pnlIlIllt/y upon IICIIpI an Inspection report,
Sekl report IlIIII be In _,....awilll eppIiceIlIe IawI, II1OI1gege Illd lending imlIIuIIon requkemd and/or FtdlIIIIInIlIIng Illd GUIIII1leeing
AI1err:y requIrtmenIs, K any, Should report reveal defects In IllIljIIem. IllI SEllER(S) wiIllIn lI'/I (5) dIyI 0I1ICIIpI of uId report, shIJI
edvIse BIJYER(S).ln writing, _ repoIrs will be mede II SEllER(S)' expense prior 10 eeIIIement,
If SEllER{S) elecIs IlOIlo IIIIIuIIllI repoIrs. BUYER shill hI'tI tllI opUon of: 1) ecceptIng IllI pnlIlII1y wlIh IllI eystem defects II _
by IllI report Illd IglIR 10 the _ IS lOt forth below In n. REl!ASE; or 2) being repeId II mcnee peId by IllI BIJYER(S) on llCCOUIlI
of lhe pun:hue prict.logeIlIeI wlIh BUYER(S)' --. K any. II '"'Y bllncutIId Of pnMcIId for und.- tllIl....... of tllI AQIIemenI of
SIIe. Including but IlOI Drnlled to IllI following:
A. CancolIIIIon feel<< IItIe InIurIncI 01 ehstred fee I<< -ng UtIt;
B, CancolIIIIon 'ee or b..1Ir cIwgt I<< ftlllnsurance wlIh extended coverage Illdfor IIood Insunnct. K II1y;
C, ApsnIsaI fees. CIIdIt report cIwges. and/or limy coeIs; Illd
0, PrlvIlI on-Iol.... Inspection lies,
In IllIlaIIer _. thn shIJI be no further DablDIy or obIlgaUon on either of IllI parties hereto. Illd this Agreement 01 SIIe ahall become
NULL AND VOID, BIJYER(S) IhaIl notify SEllER(S) In lIIfllng of lllllIon wlIhln 11'II (5) dIyI eft. BUYER(S) receIvII SELLER(S) nolIce of
IlluuIlo IaI<e remedIaJ 1CtIon.
DBUYER(S) WIIve Iatlng of said ot>lot sewage ljIIem. BUYER!S) further ecknowIedge Ihal no SlIlemenll hI'tI been mede to them by any
pertIes to thlsltansectlon reganlIng Ih. condlUon of uId system, BUYER!S) hellln ecknowIedge Ihal BUYER(S) hI'tI been Informed the!
euIljecI pnlIlII1y has I privel. ot>lot _Ill ljIIem Illd lIdYbed 10 hive IllI uId ljIIem Inspected by I repuIIbIe eepllc company, BUYER(S)
.grees to 1llI_ IS HI forth below In n. RaEASE.
SEllER{S) cet1Ifies thIIlheII hIS been no hlsloly 0' problems with the on-Iol sewage ljIIem except
n. RELEASE
The Buyer{s) hereby r&leese. qun cllJrns Illd form, dlschsrges Selle~s), SelIet(s)lgenls, sublgenls, employees Illd any 0_ 01 perIntI 01 any
of them Illd any other person. ftnn or cotpOIIlIon wf10 may billable by or Ihrough them. Irom any Illd all cllJrns. losses or detnandt, Including
peraonallnjurles.1lld aIIlhe consequences thereof. where now known or 1lOI. which may arise 110m r_found In IllI wiler poIabIlIty 1000IlldIor
the privol. ot>lot sewage ljIIem Inspection" '4',
. l
Fu Statement: this Oocumtnl and any arntndmtnlslhtr1to, may be 'Jecuttclln multipll counllrpatta by thI partin and dIliYnd by way of lrwmillJon ttv'lIlqIl
_(FAX) machlnollld _ __.... _Itoo IIllIIIegsJ _~ Illd l>incInv'"'" U lllC\.918.... o9*l by dpllllllln origInallonn,
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WITNESS:
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F,H,A,/V,A. ADDENDUM TO AGnEEMENT 011 MLE
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',^TEOF AGllEEMENT 19 IlIl11t.1IMllllT"All1 4 I9~SALBrRlCBS f{7;-'\1J{). ,i
It It undelllood Ind IK'lld 1I1111hl .hoVI IKlllmlnl or "II .h.n b. .ndO,"d II rnllnWl1 II Ii
4, MOllTGAGF. CONtlNGENCV (1,]91 (Iollllnlllll) r,II,A, lJCl V,A, Cl ~ '
(h) Ms.h"um mollKIKI rllclllllnt rll,lf nn)', In h. rllt! hy nlllrtl S ' ,
(I) MllllmuIII 11110UIII or Irr,nlullf'l"ltld Ir III1A rhllnrlll. (ulhnh. nr clnlln. 10111) S X" Z ,.-It;' tJ-o,
OJ J:IIA/V A II thl IIInllr,Ir,. nhllVI "rllll" 10 " In IIIIA n, V A tyr' IIIn'I.... 'nln, 1111 uprlldy I.,"d 11'11, nol w'thlllndlnllny
"Ih" plllYhlonl Dr Ihll 10ll'mt, lit. nllYIf Ihln '11I1 hi obllll.I.d In lomrl.lt 11\1 ru'lhll' Dr thl p,oPfll)' d.lCllb.d hilt," or 10
'o~ur III1Y pI'lInlly hy Iilll~III". ur ,.,"'" Illollry tlr,.o.11I n, nlltrt...hll , I
111 III en,. IIr nil "II^ '"1111, UIII... Il.llrr Itn, 11.11."..1 In Ih. IIl1yrr , W.lllrn lI,tlm,n' luu,d It)' the Feder.llloullnll'
l"onllnl..lo".. ..'''Inl~ I""h Ihr nl'I.,nl,..1 v,llI. III th, ,,,nprlly, rachllh-, nr clo.lnl COlli, for mol1.'.1 lo.n Inlurlner,
1""1'0'" IIr nnll." ""'"lhr nmoll'" 'I"rln,.l III ,.nlll'"ph '4(11, whlth lIatrtnlnl.he Srller hfllb)' 'Iflllla dellvII to .hr
IIl1yrr p,nnlrlly nlh" \IIdl 'Inlrlnrnl h 11I11,1. IIVllllllhl. tll Ihl Ilrllrr, 01
m In Ihe tnl. IIr. V^ Inllll,II Ihl cnn""11 pllllhn\! p,lcr "' tnll flCrtdl.hl ,nlon.bll "luI aflhl p'opll1)' IIlIblllhld It)' Ihe ,
Vrl..nnl ^.h"'"hlrll'hlll, , ,
prnYldl" Ih. OUYIf, wlthlll II.. dlY, nr h"'hll Ifrrlrl of nollel or UII rllA .ppllllld nlu. 01 thl VA IIl10nlbl. .a1u., dlllvlU,
",hlln ~ollel to Ihl h."III ""11I..1 a.rlll, of Ihl l1uyer', Inltlltlon to Illmlo'll III' conlllcl, nte Buyer shill how"." h... \/._:.
p,lylIl~e nlld I'plloll or rrllcfflllllK with tht cOIIIUlllmlllon or 11111 conlrlel wlthoUI"I"d 10 the Imounl of th. VA IIlIan",'.:
V:dUI lit Ihl IIpprnl.." nhl1t1o" IIIld. hy Ih. 1I..lllnlllnlllhlR CmnlllllllllOtl, 11\1 '~~lIllld ,Ilulllon II ",I"d .110 dlllrmln. \hI]
nt:l,\I.'!lll!!L\t'.!!!.'.lI','-')!!_l:!.r.r,n.!.W!.~!1.t..!!U.I,II,II..~,I~_"JtdJ.!t~'I!-'J..',!!mrJl!~..)!..!,m In lUll, lIlJ!U.ofl 1'01 Wlll.nl \h. ..Iu. or lite
SUndlllulI uL\I.ILI'''!IJ,!.',ty"..I.I!~..~.IJY_U!I!9.Ylw.I!I1Y..!!!n!1!!U!'!!!!1Uhl!.'-'!J.U.'lcl Ind lite condlllon of the "'011I11, ue 1e1l1l',"I_, 1;
(k) WI, Ihr ullllmlKII.t1, Ih. ,,11"(1), Ihl plI.c1lllf.(I) IlId the b,oklt(.) Invol"d In Ihll IrlnllCllon flch mill)' Ih.llhe Itlm. of Ihlli
cont,nll fo, purdl'" nor IIIIf 10 Ihrlr hrst kttowlfll~r Ind ~.1I". I",' Ihlllny other 1IIIImlnl Inler,d Inla b)' In)' or Ihlll pli!ltl
In connectlun wilh Ihll It'lIIncllllll, 1ll1lIChrd 10 lI.iI Allltlllfnl Dr 1111" . 'Ill';,
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AU Olhl~r tflnlllnd cOlldltlll1ll Dr Ih, I.1ld Jrr':~~lIllhlll IImlln uncl:~~:~nd In rull force
I\'l'fNF.SS 'Ai' ~ ~ 6
1lr.I.I.IN(; AGF. T (7-? If-\' ..Y;:::::'Z~ I1(JVllIt
I\'lrNF.SS _II SELLI!R
SELLER
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Directors 01 sDld Corpornllon, and thDtthey signed Ihelr names hereto by like order. Ihe
dDY and yeDr first above wrlllen,
ATTE8r,
-806f&tar:y
Commonwealth of Pennsylvania
GHF, INC., /,......(..~t.(.(., I '(}.i}'
~',c.<.(: .l' A.e'tc_t.Ii.~
L.~cullve Director
ss
County of Dauphin
On this, the 11th day of April, 1996, before me. a Notary Public, the undersigned
officer, personally appeared Janice H. Bleck, who acknowledged herself to be the
Execullve Director of GHF. Inc,. a corporallon, and that she as such Execullve
Director, being authorized to do so executed the foregoing Instrument for the purposes
therein contained by signing the name of the corpora lion by herself as Executive
Director.
/'
In witness whereof, I hereunto set my hand and official seal. /
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RO<cyc,S'l'lfI,N<<.'!YPIbo'oc
HDmdJul'O. O.'\~"'l ColI1Iy
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BOOK 137 PACE 609
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SecUon IX. Importlnl ConlumlllnlormlUon Rlglldlng Ihe Scope Ind L1mUIUonl 01 Ihl Inlpecllon
Road ItUI enli,. pag_ 1.1111 pan 01 \hI roport .
AUentlan Hom,buy": The WDlln.pecllon nnn II not fllpot\llblllO Inspecllon did nOllnclullc 11'111 \lrhlch were obllt\lClcd or In"tenthlc
lc:p~11 ilny d.m'lt dhelD,cd by thl. Inspection. I"c:ludlol without .1 the lime or Ihlllnspeclion. Allluuclurn which were Inspected art
hmll.llon, an)' wood dCluoyin. Inuellner.',UOft and/or damsle __hleh IpcclOCllI)' noled. Neither the Inspector nor Ihe company (or Vfbleh the
uilll in lIell or In wood ..hleh were nollCcuIlblc lor vi'lIl1in.pectlon In.peclol II Ictln. hive had, preunll)' have. or conlempllle hlYln, In)'
1&_ lit the d..,c ut thl.ln.pecllon, tlCcpll' proyld'cd by l'pI"le eonu"!. owncllhlp In the propen)'. nil repor1 ,h.n be considered l"nULI tor
Ahu, wood dUllo)'i", Inlccl InlnUtlan andIo, dlmlae mlY uhl In purpolU of "Curin, I monllle andIor uulemenl of propeny 1I1.t\.fet If
conculed or Inacceulble IfClI, Thillnlpecllon firm ClnnOI ,uuantee no'-.Uud wllhln ~lnelY (90) dlYI from t~e lnlpectlon dale.
Ih.t In" wood delttGl/ln. InlCCllnfuwlon lIId1or'daml.i dlscloled b"
I I I 4, Common Obstructions India, Inlcc.nlbli Ar... No
_huallnlpecllon of Ihe r,clnlul, .. noted, reprtlenll 111 of the wood
dnlfuylnl jn~cI lnfullllon and/or dunale which may eabl .1 of the InlpeCllon WII mlde In Ireu which r~ulred Ihe bruUna .pa" ur Into,
dlle uf the Inapectlon. Clmale and Iny comclive acllon .hould be . dilma.ulln., removal of any objeCl includin., bul nol IImlkd 10: mold,
evalulled b)' Ihe bu)'et and/or thelrquallRed bulld!n. capen 10 delermlne Inll, noo, coverinl" wan coverinll, Ildlnl, ceillnll, Inlullllon, noon,
Ihe ulenl of dlmlle and need for ,epllr. fum.iwn, IppUancel, andlor penonll pollellloRI, nor were ueu In-
lpecled ...hlch were obltnacted andlor InlCcclllble for phYllcal lceCII.
You, Inspeclor ma)' wrile OUllnlCcelllble are.. or ule the key In lecllon
V. If any arel which h.. been reponed u Inaccenlble II made ICcenlble,
the Inspecdon company mlY be conlacted for 1.t\0lMr InlpeClion. An
addUlonl1 fee will Ippl)'.
II. Conaumer "llnt.nanc.Advlaory r.glldlng Int.grat.d P..t
Manag.ment tor prav.ntlon 01 Wood 0.Itr011ng InMeta Infor.
matlon re.wln. prevention of wood dUllO)'ln. Inlect Infutllion Is
hclpfullo In)' propen)' owner Inlerelled In prolettln. the lUUclUrc from
Inrellalion, An)' luuclure CIII be IUlcked b)' wood dUlroyln.lnucll.
Periodic mllnlenance Ihould Include me..urc. 10 mlnlmlu ponlblBtlu
of Infutlllon In and around I :IIr\lclure. Faclon which ml)' leld to
Inrellatlon from wood dUlro)'in. InKc11 Include foam Inlulalion It
(oundltlon, eaM.wood conlacl. Ilull)' ,rade. firewood 1,llnll ItnlclUre,
Inlufnclro.nl venlUalion, molslu.re, wood debris In C1lwlspace. wood
mutch, lrec branches louchlnl IU\lClurel, Ilndlcape: limbers. and wood
lOt. Should these or olher Iu.ch condllionl ulst, corrcctl_e meuures
Ihould be: luen by !he owner In o,der 10 reduce the cha.nces .of Inrelll-
lion' b)' wood deltro)'lng InJeCts, and the need lor uealmenl.
This repon II nol . ,ullanlee or wanant)' u to the Ibsence 01 wood
demoyln,lnsecl' nor Is II . repon U 10 lUUctunllnlClril)'.
1. Aboul Iha In.pacllon The Inlpecdon w... conducted In die
rudil)' ICcenlble areal of the ldenllned Inspected ItNClurc(l). II visible
evidence of the Inlelllllon b)' wood deuro)'!n. In$CelI Is reportcd, it
Ihould be undentood that some de,ree o( dama,e, Includlnl hidden
damlJe, ma)' be pretenl.
2. Scopa o' tha Inspactlon A wood dculO)'ln,lnlCCllnlper:lor I.
lrained 10 look 10' visible .llnl 01 wood deltro)'ln, Insccl Inreullion. ^
reprclCnllllve o( Ihls Inspection fino hit conducted an Inlpecllon which
mil)' 111l:hlllc probln, andlor loundin, 01 the unobstruclcd and ICceulble
are.. of the lubjeclltnlctUIt(I) to delennlnc the preKnce or lbunce o(
vhible evidence Irom wood deltro)'ln,lnlCCu. For the PUrpoK' of thl.
Inlpection, wood dellro)'ln, In&<<'1 Include lermilel, cl.rpeRler anll,
carpenler beu, and "Inrulin, wood borln. beetles.
3. What the Inspactlon Covered Ind Validation The Inlpecllon
co_ered the readily lCte..ible are... oflhe IU\lClure. inspected,lncludln,
lulcl and "awlsplCu which pc:noll1ed enU)' durin. Inspecllon. This
Addlllol1ll CommIntl from SIde 1:
lindIcII.lowhlch HCtiOnlhnlc::ommentllPP'Yl
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C 1995 National Put Control Auoclat1on. All RlahU Ilcacrtcd. No reproduction orthl. fonn 11 pcmUl~ wllhoul the upreu pmniulon 01 NPCA.
Thll form hu been developed b)' NPCA u a sertlcclo WDllnspcction (mnl. By 10 dolo., NPCA doe. DOl ce.n1f)' 1baI the lntpccIioa firm I. lmember
In ,cod su.ndin..o( NPCA or thai II Is qu.allfied 10 perform the Inspection. NPCA i.not paranteCln,lbc InapCctioo fiim', wUk. >NJlCA aball nOt
be part)' 10 In)' cll1m Dr action by the buyer Of teller a,alnIl the inlpection flnn tolely by reuOIl or makin,thl. lorm report lyaUablo (or UK.
lu/l'UI/.' 2f bL!:lOandIIUD-n?M3nllloot.OhlloatlUlgr,](W5. SubmIIan Origlnaland IWOc:opIu. S1d12 bmNPCA-1(ml
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Dlreel 'Endo,eem.nt
Ste.emelll 01 Appr.leed Velue
IrjUO 0 YII. . p,.".,ty I. not HA ",o\'fld
,HA..' _.....'_"M"" "" e.ndltl.,. IN the""" ".the 11"''':1:'
"''''Wf', FHA .. Inwtt . ""It.... on 1M ..,.,eny I' .IIt n
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;t~- ~,Iit. ~~ It~,.i ko,t,.; ~~. .t-,h Nt b..n IIv.d
IftlMllN" b. .... the.... II tn ....,t.... ..IMIU,n btton ~g",,,,,
. Putl"'" .~!t~1'I IIIM1I',.. orIy 10 NtImM. 1M 'I'"
. of tho 'tfttlttYi,TJU HI ....,......-rlnttt IMI tM houll"
"".hom dtfNt.. H .1MOt "we ~ monty tit""'" .0 you
milt ,,,t..., \'OU,..tt "'oti, VMI bUy... V'" ,holid InIII.tl tho
ptopt.l~ ,,,,Uy. ", ';tU ,..." help. . Plhotl', homo 1""..lIon
;......... II'" betl',1d ... "*'" IN""", lMIllrt &hi tollllhoM book
,ot euoh Mf't'It... ' .
"~'N~~i~~i," ~ .J~':' 'N.~. HUD,,."'," lhe
tNiWtf to pio'M. " OM......" "'.."'IV. ,PI.... fiNd ......y tho
.lnIotfNdon . on peat", 01 tNt form, Under ,Ihe hNdlno .,..w
:oOnltNOlon.','-',"I:'''':'',' ,
;~~i'~:~~"'tIM:'t.DO. 424-lIio
Commitment Terms
.
00 Condlllonal CommItm.nt '0' MOltg.g.
In.u,.anc. und., 1M N.tlon" Hou.lng Acl, S.c. 729
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'''1,. 0... $'/;1 7 ftlP
FH. c... No,441-5161754/72
INST C... R.I. No.4234746
Mong.g..
signet HJrtqage Corporaticn
7125 ~ Edison Drive - Building B
Col.mbia, Maryland 21046
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UI D.,.lIm.nt of ltou.1r
.nlt Ulb." DY'.h.,m.nt
o;,lllunfIlOir.,II111
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o~n A",III,wlll till 2'1020111
1i" I.... IIlII'II.i.j;;tj;Qj;~;;;;;.U;;;W tluo'ii"lu-,-;,j' i;;;;;~~'g I;;.~i
,.uh" " CII,'V 01 "'" '''1''1 ,,111I fa tI,. '"lllh,,,. 01 1"'ljIlllY, 1h.
full"...",., d.luIIU"n. 1.1111 I" f,III""' u..,1 I" 'h.. "~",,"'"11l1ll..1 1111111'"
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[.llmll.d v.to. 0' ,"",111., Ihl. Vttlu" III "lnf'" " tl,. 1I"."un' ImD
c"n.hlll.tllIIfllofllllvtoh. .....1111
Ih,lmll.d C1ctlllnt COlli III I'" ..111",,'..1 'lmollnl ,,,.1 "11111 1111 1'.... ,..
CUflIfII..,. Ih. melllg.g. IO'"I1.n..ctlctl. ""'" Cct." "'''Y hll p,1l1 h.,
Ih. nllll or Ih. hUYII, 1h.., nOllntll., Inelud. ","'' .uch ". I.... 'or
p"p"lng Ih" mOllu.g. docUllllnt.. 1111. In'UllInce. hUln nllll'nlllllm "..,
.""tlln.'",,"""coIII,n-g01 tll"d..II,
M..lmum Mcttlg.,. Am_11M... M.IO, AmUlt Ih. hig"..1 nlllll\l'\I'
.mount HUe c.n Intlll' 10' 1 non. v.,,,.,, 111I1 I. ""..d ctn Ih. 'Ilm 0111..
...Um.,.d ....u. 01 the prop"'V. .11I' Ih. "..'.m.tlld do.ing IHl.""
Thll. I. Mldltlon" Inlolmltfon on 1"011 e 01 Ihl. Inlln ...hlch 'tOil .houhl
11I'0 "'" u..lully.
fit, V"u.ol Prop,'
BBOOO.OO
Ploplll., Add"..:
26B DRINIlIE RlAD
MEx:IWlICSBUllG, VA 17055
[HJ bitting 0 Propo..d Monlh1y lap.n.. !lllmtt.
I... gIn. condo 31 FI" In'Ullnu ~_ _t 15.00
comm"m"II"U'd.3~~'{;, - .---- -' 92.00
Commllm.nt tapir.. t'J " ; I ...
Impro..ed Uving 7, 7, ~. Com. [ap. t 0.00
A". L2t{~ Sq, Fl. Tol.1 __~_ .t 107.00
Splclfic Commitment Conditions (Applicable when checkedl
HUO'. convnIlm.nllo In,ulI _ mortg.g. on lh1. prop.rty I. d.p.nd,nt on the compl'IIt'n of the conditlon.II.I.d b.low,
HUD 001. Not Quar.ntH th. ...ork don. to complv with the condlUonl.
!lllm'l.d n.m"n1ng Economic UI. 01 lh1. p,oP'"V I. ~..t./;i' 'tllll.
ThI. p,op.rtv rn'II,D I. not .lIgibl. lor. high r.tlo to velu.lo.n.
l
,! D MtnullClulld Hou.lng
t. D SubdMllon Requlllm.nll: Compl., ...ilh R.qultemllnt. No. from Rllpol1 d.ted
lor SubdlVi.lon,
2. D I.ctlon 2211d1l21: Th. m..imum Inlullbl. mOftg.g. 10' _ mollo.gor other th.n _ dl.pl.c.d l&mil., p"tlnllng. C.nilic.t. 01 Ehll'bililV. 101m
FHA.347e. I. t
3.0 AlllIf.nce of Compl.tlon: 1I1h. "qulrld up.l" c.nno! b. eompl'led p,Ior 10 .ubmilllon 01 elo.ing P"P'", 101m HUO.92300 n'.Jde in Ihe
.mount 0' t lor luch Iddillonrll amount a. Ih. I.ndll d..lI..1 m.., b. ..!"bll.h.d .. Ih. n,,"n. to IIn'lll1
r.ft;:~:~'~;dod."~."..m""""h'd,VC/, ;1./1,3,513, ~,'7'-, 8'-1, ~-.2 I [f- 3/8-1
ti1... the following .ddltlon.1 conditione on p.;. II: E. -r- L, 'if'
I J-, r
'1/ 1 CYrtMttt
Weeth"lzatlon. Conl.ct vour loc" ulilily comp.ny or olhll quellli.d p,"0" 01 firm fo' horn. enllg., aud,t. II .nllgv.tel.t.d Imp'o"lIm.nl. 1111
teqult.d. Ih. \/"u. 01 you, PloPlllY m.v be Inctt...d la Inctud. th. 'allowing: Ihelmalllllt; In.ul.tion ...lIp 101 W"" h."I,": In.ulAtion 0' ducll
.nd pip.. In unh.al.d .p.c.. 01 hlltlng/coollng 'Y'"m'; .nlc In.ul.llon: In.ulallon Illr IIcoII and toulld.tion ...011.; In.tlllllllloll 01
.....Ihll..llipplngfc.ulklng; In'l.n.tlon 01 .tolm ...indow.ldooll. Th. votu. nlAY b. Incl....d by Uf' 10: 1.1 '2,000.00 ...ilhoul " ..p.",. ,..lIlu.
d.t'lmln.lIon; lbl t3,SOO.00 If 'uppolled by II v"u. d.t.rmln.tion by .n 'PPlo..ld 'ppreitll: or Icl mOil Ih.n '3,500.00 .ubjllel to v.1l111
d.lllmn'IIon by Ih. V.A.MUD. .. apP~cllb'., .nd .ub..qu.nt .ndo,"m.nt 0' Ih. V,A. C.,hlle.l. 0' R".on.bl. v.ru.. HUe COllcJ,ticnal
Commitm.nt, or St.t.m.nl 01 Applai.ed V.lu..
ThiS form must be delivered to 1he borrower promPtly. but no later then at tho time of the borrower'. signing of the
Appllcetlon for Commitment and Insurance, form HUD.&2900.
PIl1tlO\l' edition. .11 ob.ol". '000<'''' 'olm HUO.92800 68 1219tl
_...281110.10' ........:_ WPt,lOllfOAr,1 ,OIWS.nUl1U1100 'IIOO,III,nll III. H.lldl"..... 41tlJ.1
HOMEBUYER'S COPY
.....::"::
.,/..~<'~ ",
EXHIBIT D
. t.:.l'llt.-:t
"
.-....~..,rl
J.....:~...,Jlt.k.__T
..... ....,....
',"ellle ~ammllrn.,nl Can4lllan. IArr"uhl.
IllndluI."an rlu' &1
,
'wi
D. PIIIIUI,.d Can'lruclhm: Th. hulld" at ",alll;lll;l.e ""III nnllly Ih. 1. en,l. !lllmulII"l1l: Th. 111111., ,hllll 'lIb",,1 . ""1'''"111 IImll It",
...IV""" ,.. In.peclln .e lIflrlopUII. I... 111m. I" 12. .nd 13 rt,hlie IIl1hallly "'l.1 Ih. ,IIOr'''y ",""" Im:III tn.l" "'1\.1""11I"1111,
"'11''''1. " ".. '"olll;l'V' nil It.. IlIlIrllly II In II, In'IlII.1 11I10111 !I"~hlln
C. W'".Il'Y: 'aIm, I(UD.DZ&44 'I'll' tIUD.2B44,A, ,h.11 Ill,.. -/lUII'Ul21,. cndll cnlllf,I'"nuInlpII'lI,ollI. ''''fI'''''''.
'..cullIII h,t"'.." Ih. hull,II' ."01 'h, pU'chl"'. '-..V Aep,,,.: The I.nd" ,I...n nohly Ih. nfl","lll "1'111",,, Ulm"
D, 'e'"an 22Jl TN. eO","III""nl I, '''uII' "UIIUlnl to Slellan cOII'l1I".on I'll ''''full,d '''1'11I11. un/"" nlllllt"'I..ln'lluel,,1
. 22.11". D. L'I'lIII,'1 C,,'lllcll' 01 CO"IfII.IIO": Th. 11''''" .hAl' 1IIII1Ieh I
Be U IIIlh A Ih II A III' S I MIl I h ""h II Ihr.tily IJIIPIDYM cllllllule Ihlt I.qull,,1 "pAl" hll." hun """lil'"d "", WII'"
. , lo~. 101~' :: l:lI.:tt:c~un~ '~. '=~'tId:" wel~' ~U"p./y 'ndlor "",IIIclol1ly 00111111111111.
.......1;1. d"Ilottlt 'y'llm Ie IIOc.plllhl., 10. M'"'lIlleIUII'" WII""nll.. nlll" h. "'D'tIIII,,1 h, till' """,III11IV'"
,.. A""lI'd, Co.,IIlln" h"Un"fcooljn" ,v.l.m., hal w"1I h,","" 11I1U"'. IIlc.
' . II, 'nW.1 'n'".cllon 12 wOl.ln" d,v.' /. IIIfU"'.d 1111011' Ih.
a. ,.""'lIIClIO" C'IlII)CII.: Th' L.n"lt ,h.1I p'o'tld. . -h,Olnnlng al con'lrUcllon- l'flth 101m' In pI.ce.
p",.bllclllon cllllllc". II "qui"d by Ih. I.I.lld .ngin",ln"
bull,tln, 12. F,IIIl1,'ne".cUnn II ",ol.'n" dlt~ll. "qtl..lld l'fh"l 11111 hWldlll"
H, Tllmll' ConlloIIP,apo.." Conl"uclionl: 11.011 "oltonlng I. lIud, I, .nclo.." Itnd ""mln", ,plumhin", hlllllnu. II,clflU'. In"
the build" Ihall Campl.le 101m HUD.D2052, TllmU. Sod In,ulllllon I. complll. .nd 'tI.thl..
T"llm.nt OU".nl.., end ttln'mll It copy 10 HUD or the Dillct 13, Fln.lln."ecUon I. IIqu..,.d ....h.n con'''ucllOn I, Compl"." .nd
lndolltm.nt Uncfll"',UII. Th. MOII"III" will d.II.,., Ih. o'iginlll tlu, pro".II., Indy fOl oecup,ncy,
() Ind It copy to Ih. mollgloor .t clo,lng, 14, In.ul'llon C.nUic". "lU.t hi pn.,.d In I cllneplcuOUI loelllon In
L.ed Palnl NOlie.: ThI. hou.. w.. eon'''ucl.d b.IIl" 191.. Ih. dw.llln".
ThI" I. . "o..lblllly Ihll U m.y cOnl"n I..d p"nllh.1 w.. In UIt T' ~ W
I, b.'....h.II'm., Th. ,.......'...qulo.. t. ."".""..m.","., 15, h. ",u... ....""., 00 ....'IV A"..mool .h.II ,..
L.ed Paint PllllOnlng 10 Ih. bUYII. ",cul.d b.lwton Ihe hullder end Ih. homlbu\'",
-, I e. Botto",., NOIl/le'llon: Al Ii'll lim. 01 Ih. .ppllCllion lot . film
4, Flood Inlu"nee A.qulttment: TNI PlOp III\' I. 10Clled In I ,plcl.. oOlTlmllm.nl Ih. moltg. .. mu" In I d I I"ifl I. Ih t Ih.
nood hlll!d "" lnet ""'" b. CO""'" bv flood In'ullne. In bOllow" w~. nolllled th~1 Ih. prap:,~v . WI.c nOI c'~PlOlI:d 101
1C00rdenee ",llh HUD "QUI"lon 24 CFR 203.1e.. mOll;.gl In,ullnct prlol to 11'1. .1111 of con'IIucUon Ind
5. Cllp" 'dlnllfleetlon: I.. "1111II In C"lln.d P'oductl Dileotolvl D,pttlmlnl do.. nOI h'''1 IUlhotlty to PIO'tId. linlnci., ,,1..1 lor
M.nul,oluII' IIcomm.ndllt mllnl.n'ncl proglam InUit be Iny luluII prop"ty IIpllll und" Slcllon Slef.1 01 the N.lionll
0)P'O,"",'" to Ih. homlbu\,,,, Hou,lng Act,
II, rllml,. Conllol IEllltlno ConlflUelJon!: A "cognl"d '''mlll 17. Th. I.nd., .hlll lu,nl.h . cIIlllIeele 01 OCCuplncy or I.u" 01
eonllol OP"llol Ih.1I IUlnI.h urllllcll'on lh" Ihe hou.. end 'Co.pl.ncl "om th.loCl' bUilding IIItho",y,
olh" "IUoIU,.. within the I,gll bound.tI.. ()I Ih. prop.ltv
Indleel. no 11Ifd.nee of tell.,1 1IImIle Inf"'llIon.
Ad....e.to Hotntlbu...1'I
".p.,.. 11'/mI: Th..e .1. chllg.. Ihlt norm,"y will bl p.ld .1 clo,lng
.nd III IIcurrlng In nllUII, Thlv Includ. .uch II.ml II. lundl lor r..1
""'e lue. .nd hu.,d In,u"nc.. The amount of Ih..e II.m. will 1111'1
d'Plndlno upon Ihe cIOlIno d.I.. No "'Im.t. I. pro'lld.d with Ihll
,tllem.nt,
bcrow Account: TN, I. II 'plclal Iccount that your lend'l will blip
on your behalf to ...... Ih. nlc,,,,,V 'und. 10 PlY clrl.n lulutl bill,.
You, moll"lIg. p.ymllnl wilt InelUdl, In Iddlllon 10 IIn 1IIl'l0Unl lor
Inlll..t.nd principII, tmount. 10 COll.r ,uch Ilem,.. prop.lly 11111''',
ha'"d In'urlnc., Ind, 10' cllt.ln FHA Plo"ram.. Ih. mottg.gl
'n.u"nee Pllmlum. The.. chlr".. Ir' colllet.d In .d.,lnct '0 Ih.1
vour Ilndlt l'flll h'''1 .nough monlV In Ih. ICcount to epply fh. chllrge
whln 11 oom.. du., Oenllllly, 1112 of Ih. nlltt Y"I" ..tlm"ld
chltg.. ....11I b. thl emounl colllcl.d wilh ..ch 0' \'OUI monlhly
mortgeg. p.ym.nl.. B..r In mind Ih.,ln malt communlllll, I.... .nd
Dlh" ope"Ung co,l. all Incl...lng, The e"Jmel.. ,hould ollie .ome
Id.. 01 wh.t you ClIn I.Plcl Ihe co", 10 b. It thl blolnnlng, In 'llml
allll Ih. "Ilmll. 01 I.... m.v .1'0 Include ehllg.. ,uch .. "Wit
ch"g... gllb.g. coll.cllonl.., wII"",.., .'e.
Monglg. In'u"nc. P"mlum: Thl 'mounl lor In,ullng \'Our mOllg.gl.
Th. pllmium may bl In Ih. 'olm 01 . OI.I'llml ch""1 or . monlhly
ch.rgl d.p.ndlng upon the Ilcllon 01 Ihl HaUling Act und" which
\'OUI mOllglgl II In'Ulld. Your IlIndll c.n pl01lidl \'OU wllh .peclIlo
Inlolmltlon 'bout youI II.n..cllon.
E.llmll.d MonlhlV E.p.n..e: Thl.. II. Cotl. a"ocl"lId wllh
homlown."hip which HUD b.lI.lI.. thl homl'Ol'fnell will h'lIe 10 PIV
....h.n II'tIn" In the prop.rtv, Two ul\ITlpl.. 01 ."lim.11d monlhly
"p.n...- IU. lill Inlu"nc. and 111I''', which ." pei" YOIll "nd"
..eh monlh.. PItt 01 \,our mollglg. PII",".nl. Th... II" PUllnla vllur
..crDw.Ccounl.
Olhet Cotll 0' HomlOwn.nhlp: Ulllill.. It. ueuelly ~aid monlhly 10
....hom.lIlt "Io'tld.. Ihl ."vle., AI,o, \,ou 'hould ...,. I cllllln
.mount I,ch monlh 10 CO.,II "pelr Ind m,lntenltnc. co"1 which Will
coml up whil. yOU own yOUt horn..
Llh, PI'I'm.nl.: II \'ou do nol p.y yOU, ma'lgllg. Plymlll,1 wUhin f 5
d.y. horn thl 1.1 d.y of Ihl monlh, you c"n bll chll".d. p.nllh.,.
Thi, '".., b. 4 cenl. lor ..ch doll"r 0' yOUt p'ym.nl,
N.w ConIIIUcl/un: AIIII Ip.clliclllon. III IlCcllpl.d by HUD or .
dillcl endol..mlnl I.nder bllloll contllUcllo", Ihl bUlldl1 I, "lIuilod
10 WII"lnt Ihlllh. houle ,ub.l.nli.lly conlo,"'l' to 1t",,'o"lId pl"n.
.nd Ip.cillution., ThI. Wltlrenly I. lor I 'lOll folln....lng Ih. d.lo on
which Iltlo I. IIIn.f.".d 10 Ih. ollginll bUvlr or Ihll dell. on which Ihe
hou'l Wit fillt li."d In, whichl"" hlpp.n, lillI, II. du,ing Ih.
w"r.nl\, plllod, you nollce dlllet, ror which YOU b.Jillll. thll buildllr I,
r..pon.ibl.. ..k him In wtllin" to fl. Ih.m. " h. do.. not Ii. them.
WIlli Ih. HUD FI.,d Office. Include .,ou, FHA calli number. II
In,pllcllon .ho..... Ihl builder 10 bl .t f.ull, HUD will IIy 10 PIFlu.dl
him 10 Ii. Ih. d.l.cl. II he do.. nol, YOU m.y be Ibl. 10 oblllln 111111
IIf1ef under Ih. build,,'. wllfllnly. Whll" 0 'Uuclurlll dllfllcl I_
Inllollled, HUD eln plo'tldl mon.y for co".erlon. under cllllain
coOOlllon.. You Cllnnol ..peet Ihl builder 10 II. damll'" cltullld by
oldinll'y Wilt Ind I." or by pOOl m,lnl.nltnCll. KalPlng till' hou.. In
good condillon I, \,our r"ponlihilily,
II 'I'~ .Ign.d your 101.. COllIIICl prior to IIc.l'tlng thl. .t'l.m.nt 0' 'PPIII..d vllu.. lh. ..,.. canlllct rnu'llndudl, or b. ch,nll.d 10 Includl. Ih.
'oOowlngllngU'II':
III. ''-PII''ly .glo.d Ih,t notwllh'l.ndlng In., olhal pro'tl,lon. 01 Ih'l
conllllcl.lhlt purch..at .holl nol be ohU".'1d 10 CO'"fll'I.,h. PUlchllle
ollhl PIOP'"y d..erib.d h."ln 0' to Incu, Itny plnally by forfailUII 01
'''n..t mon.y d,po,',. or olhllwl.. Un/I" Ih. mOllg'II.' ha.
d.Il"'"d 10 Ihl pUlch.lI, II wllllen It'llm.nt '''ued by tho Fed"al
Hou,lng Comml"lon'l. V.I.'ln. Admlnl"lltlon or . DiI.ct
Endol..ment I.ndo, ..lIIng 'ollh the 'PPIIII..d ...elu. of Ihll PlOp.lly
of not 1...lh.n, BB,OOO.OO l'fhich.I'llIrn.nllhe
mOllll'''.ll h".by ."111' 10 dlll"II' 10 Ih. purch"..r Plomp.l., altlll
'ueh Ippl.i..d 1I11u. 1lllo",lnl /1 m....1I allllilllbl" 10 Ih" mOFlOIIOIIII.
Th. pUlehll..r IhaU, howelllll, hlvll Ihll pliVllllgl "lid oplion al
P,oclldln" wllh con'ummation 01 Ihll cont'ltel withoul IIglld 10 Ihe
am()unl 01 thlapplai..d....,ulIlion, ThlllPrraltod ".lultlionl,lIrri.,.d 01
tll dollmwn. Ih. me.lmum m()Ilg.glI Ih. DIIP.'lm'nl 01 Hou'in" Ind
Ulban Ce.,elopmlnt IHUC' will In,uII, HUD dOli nol wlmanl Iha 1I.lua
nor Iha Condition of Ih. pIOp.ny. Tha PUlcha..r IIhould Iltli.ly
hi"...II/h'Fllllf Ih.t Ihll plicl .nd C()ndilion 01 Ihl PIOPllly "'11
ICCllpllhll.
mounllo . arrowI
Whan vou borrow 10 buy I ham., you po\, Inler"l end olher cha,g..
which add to vou, cO'I. A larg., downp.ymlnl will r..ull In 0 ,mall.r
mOIl"..g,. BOllol'f I. liul. II' you nllld .nd "p.y In Ih. ,hOlI..lliml.
lalllou"ellon.IIIIO.OOII
_-4281110.1.02
HOMEBUYER'S COpy
""'.,."
......,. MOIUOAQI '0111,11;. UUI1UIl00. "OOIUI.U"
101m HUD,D2UOO.6U
I.."...
" .";}0!;
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.... >;'~"''''~-'
.......IIl_
M.oet'tl.'~'" ~
_.. ....-......
~
OM8b~
Honday Harch 11, 1996
Linda Lloyd Apprai.al.
11 Turth Rid\le
Bber8an. Dale, .A 17010
Attenticn, si\lnet Hort\le\le corp
7125 Tho.a. 8di.on Dr., Columbi., HD 21046
Dear Signet H~rtgage ccrp,
In accordance with your request, I have personally inspscted and
appraised the real property lccated at,
218 Brindle Road
Heobanio.bur\l, FA 17055
The purpose of the appraisal was to estimate the market value of
the property, as improved, in fee simple, unencumbered by liens.
A legal descripticn cf the property will be fcund herein.
In my opinion, the estimated market value of the property, as of
March 4, 1996, is: $88,000
The attached report contains the description, analysis and
supportive data for the conclusions and final estimate of value
together with descriptive photographs.
It has been a pleasure to assist you; if I may be of further
service to you in the future, please let me know.
Please note that this appraisal is considered a Summary
Appraisal.
~'
Lind: LIC~
Irru~~~u~~~
~ MAR 1 3 19SI' ~
By
Csrtificaticn I: PA-GA-OOOJ09-L
state: PA
Filenams: 2118
:
'''...'''................,.Urtl...."._........c__ 11001'''''2'
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Lind. Lloyd Appro'..'. 4415161754
" UNI. JM..!!!lSIDENTIAL APPRAISAL Rl RT "~ N. "6"
""011"" Mdllu 26A nrtrdln RoDJ:: tM IU.l. -- nA. L Cod.
.. ....."chlld lt~nl or auallY taunt' C\unhnrlrdn41
".....6f..,.ct,..... ::l!2_::I7_1901_32 '..vuf9!5~ " ".... ~a. '...cl..........,.,..,u.tJ/A.
8M'o.".J:fI.1D C,.,..... O"MI Occ''''"' riD."., ,,","1 v.-
tL.I.l. . II .ti,~... -Ilruo C"nltnmWurn InJO/VAOf1I-1 UOA t 0 "...,.
........,.hoodOf..._IH""'Mo~nhlp M'E1n.r".AC' ~8 02 C,n'lllt,., 3240117
........'c..n7.!'liOO O.t"I'~. . f l"'"tnd _Intflllrtlftchlf n1rllnc:...llIn;;-ob-;;:-tidb ....,
~:~~~ n~~~J.~~~laQ;;;~ :~.:':::~~;'~i:~?;:.:~.~~m D~~~'DIA~
OIl.th,lI. n...... .1..... t- '''1'1' 0"",, W5..lfl..-D.nW 241111?11, ~ rn.....M.U
....,.,.,.....,.. .".."" "'" OM'" I,nlnl ~OO-'IIo" -;-~ f,uu'ame, _ ,~~".._.....~
o.m..t/tuflptw _ Ihoft... In hlMol' t: 0..., 'U,,1I, YICItI>lIO '''I '.1,1 rtHamlntrltl) COtI'lIMII:11l 1 ReBident:.ial
......"" UIM Un4et' _. :I, "... 0_ e _. V.._IlMI"1 105 10 IVacant.1 32
N"'1 R... 1Il'l' tM ,..... ..""..Idon .t 1M t*.....h.OtI... nOI''''I~'' t.el.... . _ _ _ . ...'11"
.....~lHIundll.....,..eh..ICIMl.IIc.1 Dnl"~ a........ _ ""n 1'JA _ aton I:A1 _ .II' It."'1I ~"""\la
';;.. _ Dn.~
,..,... ""I .IIKII.... "'....t..III' .11.... ".""It. '" I.... ....~ 1.,..IfnII, I. .,....,,""", tnd ~It.. .......""""1 ..."..,. ...... '0 ",,,,.1. .111
..n. ." . , .n~ -.-. .... ont
---;
.....,nn I.u..ln_~ '".n
11
MIIl.t conllt*M In lhI MlMt ....~ 1\'It1ud~ ...."'" rot thI....,.. cond".loM "hid t. IhI ".nd 0' ."......, "..... "."'Ind,.......,. ... ,""'ltlnt I_
o 0 tuch II dill on COI'I'Ifl'IMIv. ",oPen... tor .... In IN nelghbolheod, dlU:llptlon or IN p1oy.lonc. or ..... Ind rlnW'ICInQ conc...Ion., .10.1:
_~.. ._..... _'_L' -'v ....... ..1... . ......
--;;.- I"
""'ollnt.mlllon tor 'UO. Ilf epple_101 .. I. II. doy.IoPIl/buld1l1n conH'" or the Hc,,", O"'M'" Allocl.llon IIIOAI' D V.. q No
AppI"""'" lotol numbel of unit. In tN ,utIt-ct pllt<<t N / A . Appro_lmll. 10101 numb.. of until for .... '-'lhtI .ub)ecl proJeCI N / A.
D..c'lbIIeOl'\'W'lllDn...""nt.....tOC'..IIonIf'-.e..I..:
v
DImon.lon, 'It T opogflphy
IItUII' ~1300 FIt! f~ .../- ComtlLol UV.. UUNo 11111
8pec:111c ronlng cl.tlttle'llon 1Ind~c?,H..c,:",uon Sh.p.
lonk1gcomphnc. [X)L.gtl L..llNilMonlll~la'ondlltht'tdutll UIIIgot UNo.onInG OI.In.g.
tlghut.be.IUI...Impro".d PrIl."tU" I 10thllUlllnplolnl V\o",
Utlltlt. ~ Olhor OIf..II..mp"....""nt. Typ' ~ P1~" Lond.uplng
[Mctrlc"V 1 nn .._.... SUIII ~r.Adam I XJ.... Ofl",,,,.., SurIK_
all CurblOIIIIII NOnA .... "'pp.,.nt [...ment. NnhA
W.tll Rid.",.. NonA .... FEMA Splclol Flood tllllld AlII UVII I X INo
8IInllIlYS.",or Stll.tLlQht'NonR .... F[MAloM C--M'POlt.11JAMn
Sto,m S.",., A"''I tJn FUAA M. No~~A
c-:~ I'P!:.~t~:tI:~~..=.. ::===twntnt.. IplClol'''~lment., .Id. 1I....llIoatl 01 Mgtll'Onconlo,mIng:~~ ~~...:.~~I:....f
--;;.- ''''''n;' In .hla ..n.
OINlRAL DESCRIPTION [liI.URlOR Of:ICFUPTlON FOUNDATION DASIMINT
No.oIUnlt. , Found.tlon llcck..- SI.b tJI All. Sq. Fl. tJ,.,rut
No. 0' Slol'" 1 Etlor\orWI" ~ C""ISpoc. "'Fln'lhld tJ/a
Trill (OI1,JAtI.' Roof Sur'oc. O...menl C.1InO
Oollon IStyMI Olllt." I DU"lplt. Sump rump W...
bllllnatf'topo.od WIndow Typ, D'"'flMII finer
Ag. IYn.' Slolln/Sen.n. Vp,::, S.ul.menl DIII.Id. Int"
[H.cU". Ag'IY".1 M.nul.clur.d Hau.. Inllll.tlon ",.,t-iI
. nOOMS foy., Living 0ink1g Kllchln Oon Family Am. nec. Am. Bod,oom. . O.lh.
INSULATION
n~1
C.....
W...
floo,
NoM
~
,...-
L.uncI,y
ou",
A'.. Sq. Fl.
"'_1
L.VlI'
L.,,"2
,
rwthtd",...boVll roct.cont,In.:
INURlOn fI.lttllllllCondlllon
...... ~ ..,..-
W...
T,lmtf'nhh
O.thFbo,
O.lhW.1n,col
0....
Room.'
, Otdroombl'
KITCHEN [QU~
"'''10.''101 ~
n.rtg./O".n .!
[)I.po.1I _
[)I.h",uht, .!
hnlllood .!
Mlc:lOw,'" _
Wllht,/DI,or
nddendllm
? O.,hl.I' 2 B I" Ft.1 01 01111 Lh.Wo A'"
AnlC rv AMINlms 1"':':"1 CAR BTOnAOII
No,. ~ FIr,p'IC.I.I'Hd.S.t..~ NoM D
St.lr. ~ P.t\o OIl.g.,.1 CO"
OIop Stolt I- Dock AlIlIChod
ScutlM l- Polch o.tllChld
noo, ~ Fenc. ~ DuoII.ln
1l..lId I- mol ~ Cllpoll
Finllhed J"Jii OII".",.y
HEATItlJ
Typ. P.P.
r~1
Condition
COOLlNO
C.nl,al NOMA
Otho,
CondlllC'n
Addlllon~ 1..'urllllpoc:ltI_'gy .lIlc:lonlll.m.. .tc.l: SP-A
2
Condll~:f 1~ :;-""'_1'. d.pltcl.llon IJIfl\'k...I~~". and .....lIn"'.~:::...:.:.dld, qullly III eon1'~:I~.~:::::lnoltddlllon.. .te.:
Y~8;~~ ;11 mP.~hRnic81 BVRtpm~ RnnAA~ to be in wo~kino
Adw"..."....onmont.lc.ndlllon.l.uch...but"lOltlmIt.dlo.h....do". ",..tll.lo.1e .ub..trM:....IC.I'"..."t In tho ImplO".""nll. nnlho .It., 01 In tho
Immtdlll.."~~tyoltho'~~::Jl'nPlltY: None h8Rn~:~ nntp.d bv Ann~Ai~:=~ Homp. built beforp. 1q7R
....1.1..,_,,, .u ,,..........,_........"'Unt...,tI_..II....C__ftOOI...II11.'_' ,_11II..'....10<1. ".
.:-~i:~-O.:~...
.").~.;~.
...~... .
....:
, .
It
t..,
I
"',
COMl'llEllliNSIVI! U:AIl-I1ASHIl PAINT Cl!lnll'lCATllIN ANIl I!XIIIIIITISJ
AIlI>IJNI>IIM
I>m'lNITlON 01' I>IiI'Et'TIVI! PAINT SIIIlI'AI'''~: Ilclecllve pallll ""1lu'e,, 1I1l' lIellllell,,,
nl1Y Interim ur C._IL'rlm l'alllll'lI ~llIrncl'~ nr Ihl! Il'lihll'IICC ur (l1'JlllllcIHUll'l", fL'~nrclll'l;" IIr hl'il!hl.
till wllleh tin! Imlllll!\ l'lIlckhlf!. ~(,l\IlI1~. chll'l'llll!. Itl'cllllp". C1I hl(l!;c nllll which ~i01ld Mullll:C!i. nr
1'111111 rlUll1lllclll, h Il'lIt1i1y llccc.~,lhlc In children untler seven )'l'ltU ur "gc.
I'IIA CAS Ii NO: ~J 5Hon54
pllOpl!lny AI lliii,,~s::-__ Z.c,6.J3RI NDLE_gD.(\j)__
MECl-l AN 1(.')B\JRb} ~ 110SS
IiXIIIIIITA
"
I
I
,
,
I
I. Ihe lIIUIL'f!dIHICd 1I1'I1IltI!iCr IIr lhl' nhllve 1Ii1lllrd 1I1111'\'lly. Ill'll'lIy ccrtify Ilml Ill)' Vl!illlll
h151H."ClIulI ur the f1lclIlhcs nil till!! t1nlc fcvcnlcd the rulluwlllg:
n ~1;e Nil IIcfeellve l,nllll.1I slIrfn... were fUlllld nlllle IIllle IIf illY 111'I",ellllll, I1r
h: (V) 1lI!I'ElTIVH PAINT SIIIU:ArliS wl!lm 1'0llNIl ON TillS pIUII'liRTY, '"
^ spcclncnlly tlcl1ncd 1111 tile VnhmllulI CUlullllulI Sheet ncculIll'nnylllg. lilY nplnnl!i:t1 rel'ml
(which RI~IIII~I.'li Illl' c.'ilIIIlRlcd cml ur ctmecllnn)
'I'rcnhllclll
FOIIIJWEI.I.INOS CONSTllIIlTHIJ 1'111011 TO 197ft, T'enlmenl ,hnll enn,I'llf,"velln~ ur
rcmnvlng dercellvc Imlnl surrnl'e~, Cnvering IIIny he accomfJlIshed hy Adding n Inyer nr I!YllSllll1
wn11l1(1i1rd ur n nhcrgln!i!li c1nlh himler In Ihe wall slIrrncc. U"llClldllll! UPUII wall cumllliun,
wnllllafJCr tlml is I1crlllnllcllliy RUnched mill lIul easily slril'p"hle limy he used. Cuverlng or
rCI"ncing Irim surrnccs is alsn IlCrlllillcll. Wnshing nllll rcpniuting wilhutlllhurollgh rcmoval ur
clive ring dues NOT CONSTITUTll ADI!QUATB TllHATMllNT,
1'011 DWm.I.INGS CONSTIlUGl'mJ AFTBIl 1977: Trenlmenl mny he mnde III Iho dol'eelive
surrACt hy nny ctlslullInry nlld usual IIIclll(KI ur surraCt IlfCl1nrnlinll. stich AS washing, Iighl
SAnding, scrnpillg clc.
P^INT ItEMUV^1. IN H1TllI!lt C^SH l11il)' he nccullIJllishl.tl by ClIlIvcntitlnlllllll'lInnl.li stich il'li
sernplng, hent Ircnling using Inrm.red or cnil IYl'e heal gUliS, (II' chemlc:11 rClIluvnl. Mnchinc
sanding And 1I.'lie or IJfuflanC lurches I~ nol (lcrIl11Ilcd. Ih~llnhlllllg Is In he nccnlllflll.llihed III n
cOIIIl'elel11 and wnrkmanlike n1i1l1ller. ulilllizing 0'1 primer cnnt Ir Ilcccssary mul nllenst two finish
cnals ur guotl (IUallty pain!. Sl'cclnenllol1s n!; 10 Ihe rellluval nr pillnllllllSl he Ilr00ritlctllflllJ,
ollllinillg hath Ihe removal IIIcUl(xl and kintl of pnlnl IIsetl (tllb illrOrllli1liull lIIay he provided
slIbscqllellllu closlllg),
AI.1. IIJHNTlI'lIiD DEI'ElTIVH pAINTBD SIIIlI'ACES MIIST liE TlmATED pllIlJlI TO
TIIB TIMB '1'1 iii MlJllTUAGE IS ENIlOIISIiD 1'011 INSIIllANI 'B Ill' 1Il1lJ,
3-4.tj(q
dale nr inspection hy npJlrniscr
~
^J1l'rnlscr'!; ~Igllntllrc
L1l1dn l.Ioyd - l'A-GA-(HlU.1U -I.
liXIIIIII')' n: Ir Ihe dwclling was cUl1slrucled prltlr Itl 1978, nlld 11elll "I," 11i\~ Ill'ell Cllcckcd in
I!xhibll ^. ahove, tlerccllvc (Jilllll surrnccs IIlllst be rCllluved. as !ipecincI) in 5uhsecltlClllllarrntive
of ll.hibit A,
EXIIIIJIT D: If Ihe dwelling was cUlIslruclcd prior to 1978, mltl ilcllI "a" has heen checked In
E.hihll A. nhl1vc (1lIdlenllllg 1111 defoclive 1101111 slI,fnce,) IIle I'lUl'crly MA I' conlnlll lend,hn,ed,
I'nllll. The COIISII1I1er hllllellll WATCII OUT FOIlI.EAIJ IIASBD PAINT POISONING 11111<1
he glvellllllhe I"llcl""er. Tlris 1r1l1l.1I11 is kllowlI ns E.hlhll C, (AI'i'IlAISElI TO CIIECK 01'1'
ITEM VC.6 011 TilE VALUATION CONDITION SIIEET),
~..~
',1;.
\
..
,0%*?':' ,
_ dJECT PUOTOORAPII ADDENDL
nu"",wlIlClillnl n.wnell Walsh Jr
AIM'". 209 O,lndlll nond
MlIChlll1lclbulg
I
r.1ll1l!~r _CutnlJ~lhllt.9..1.!-___;;"I"lll_-'~~_.~__. ______._, _/'I'_c.~'~__l.lllll~__.__~_
FnONT OF
SUDJECT rnOl'EnTV
nEAn OF
SUDJECT rnOrEnTV
STAEET SCENE
.....,,',tf-'I"r.ftI'l.......~.~I,.""'I~.-
CO..o~ARABLE SALES PHOTO AODENu.JM
nnfl,.....lClIlIhl newnell Wel.h Jr
MIll... 208 Orlndle RODd
Curnblllnd041
SlllLlI_~___-.1'~I' ellllll 170!l~____.
COMPARAOLE SALE #1
D7B Eppl.y Ro.d
Mechanlc.burg, PA
Sol. D.t.: B/l0/95
5.1. Prlc.: .104,000
COMPARABLE SALE #2
21 Neponslt Roed
C.mp Hili. PA
Sole Dale: 7/7/95
Sale Price: $87,500
COMPARAOLE SALE #3
6210 Royal Orlve
Mechanlesburv. PA
Sole Dele: 6/30/95
Sole P,lee: $95,500
"'.. ............,."'~ 1t.'1f1t'~,.' '
CO..o~ARADLE SALES PHOTO ADDEN~...M
BotlDwlt,Clllnl Rewn.lI Welsh Jr
Mil'... 269 Brindle Road
Cumblllnd041
S'11I PA
17055
COMPARAOlE SALE # 1
970 Eppl.v Rood
Mechonlc.buro. PA
5.1. O.to: DI 1 0195
5.1. Prlco: .104.000
COMPARABLE SALE #2
21 Neponslt R08d
C.mp Hili. PA
Sole Date: 717/95
Sale Price: $87.500
COMPARABLE SALE #3
5210 Rovol Dol..
Mechanlcsburg, PA
S81e Dote: 6/30/95
Sale Price: $95,600
4415161754
. . . LInda Lloyd Apprel..l, FII. No. 2169
DEFINITION OF MARKET VALUE: The moil "rebabln price which II properly should bring 'n . competltlvo and opon
Inlrkal under .11 condlllon. requisite to . 'air IIIla. the buyer and lellar, each acUng prudentl.,.. knowledgeably and
Illuming the price I, not .Hected by undue ttlmulus. Implicit In Ihl, definition I, the consummation 01 . sale III 01 .
.paclfled dlte .nd the pa..lng of title horn leller to buye, under condItion. wherflby: 111 buyer .nd Itlllor Ill. tVJllclllly
motivated: 121 bOlh parUel aut welllnlormlld or well advised, and elch IIctlnll In what he con.lder. hll own bell
Inlereat: 131 . reuonable Umel. allowed for ..pOIUI, In ,he opon markel: 14) payment I, made In to''"' 01 cuh In U.S.
doll.,. or In term I of Iln.nelel ."angllmllnl, compllablll thorelo: and 161 the price 'llprelal1ts the normal cOflsldaraUon
for Ihe propetlV .old unlflected by ,peclll or crutlve financing or ..Ie, concellloll" granted bV anyone l"OClltlld
with the ..Ie.
'Adjuslmentslo the compllabhtl must be made lor Ipeclalar cleatlve IInanclng or ",10' cancaulanl. Na .djustmantl
are necallary for those co.t. which Ire norm.lly p.ld bV lallarl el a result of tradUlon ar law In a mllrkot area: those
cou. .re ,eldllv IdenUfI.ble .Ince the 1I'1l1et pay. Ihe.e cOltl In vlrtuallv .11 lalo. translctlollS. Special or c'eal/ve
tlnanclng adJultments can be mlde to tha comparable prapartv by campllrlsans to IInanclng lerm. ollered by a Ihlrd
petly Institutional lender thai Is not Ilready Invalved In the properlV or uanlllcllon. AnV adjultment should not be
calcullted an a mechanical dollar lor dollar coli 01 the financing or concession. but Ihe dollar amount 01 any adJuument
.hould Ipproxlmlte Ihe mllkel'l rucl/an to the 'Inanclng or concelllonl based on the appraIse,'. judgement.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraller', certlllcatlon that .ppeall In Ihe lIpprlllul reporl 15
lubJect to the following condition,:
1. The lIppral.lIr will not be relponllble 'or mIllers of I legal nature Ihat aHect either the property blllng appraised or
the title 10 II. The .ppral.er Illume. lhal the title I. good lInd marketable and. therefore. will not render any oplnlonl
.bout the tlUe. The property I, appral.ed on the balls 01 It being under responSible ownerlhlp.
2. The apprel.er has provided a Iketch In the appraisal report to Ihow approxlmale dlmenllons of thelmprovementl and
the Iketch II Included onlV to 1..11t the reader 01 the report In visualizing the property Ind undelltandlng the appralser'l
detlrmlnatlon of It I .Ize.
3. The appraiser has examined the lIvllllable Ilood maps that are provided by the Fedoral Emergencv Management
Agency (or other date .ourcellllnd hal noted In the eppralsel report whether Ihe subject site Is locllted In an IdentUled
Special Flood HlIzlIrd Area. BecauslI thll apprllller Is not II sUfveyor. he or she makes no guarantees. expressed or
ImpUed. regardlno thl. determlnlltlon.
4. Tha lIppralser will not give testimony or appear In court because he or she made an appralSllI 0' the property In
question. unleslspecltlc arrangements to do.o have been mllde beforehand.
6. The appraiser has estimated the valulI a' the land In Iho cost approach at Its hlghesl end best use end Ihe
Improvement. at their contrlbulorv value. These separate valuations ollhe land and Improvemenls must not be used In
conlunctlon with any other app,aislllllnd arlllnvalld II they .reso used.
6. The IIppraller has noted In the eppralsel 'eport any adverse condlllons lsuch as, needed lepalr.', depreciation, the
presence of hllZardous wastas, toxic substances, IItc.1 observed during the Inspection 01 the sub/ect property or that he
or Iho became aware of during Ihe normal reseerch Involved In perlolmlng the .ppralsal. Unless othelwlse stated In lhe
lIppral..l rllport. the appraiser has no knowledge 01 .ny hidden or unapparent conditions 01 the property or lIdvelSe
environmental conditions !Including the presence of hazardous westes. tOlelc substances. etc. I that would make the
property morll or lell valuable. and hilS assumed that there are no such cond1tlons lInd makes no guarantees or
warranties. expressed or Implied. regarding the condition of the property. The appraiser will not be responsible for any
such condition. thllt do exist or for lIny engineering or tesllng that might bll required 10 discover whether such conditions
elel.t. Because the appraiser II not an expert In the lIold of envlronmenlal hazards, the appral.81 ,eport must not be
considered 8' lIn environmental asselSment of the property.
7. The appraiser obtelned the Information, estimates. and opinions that were expressed In the appraisal report from
source. that he or ahe considers to be rellable and believes them to be true and cOllect. The eppralser does not assume
responsibility for the accuracy of such Itnms that were furnished by other parties.
8. The appraiser will nol dlsclole the contenll 01 the eppralsal reporl except 8S pro'/lded for In the Uniform Standards 01
"'olesslonal Apprelllll Practice.
9. The appraIser has based his or her apprelsal ,eport and valuation conclusion lor an appraisal that Is subject to
I8tlsfllCtOlY completion, repal,.. or alterations on the ulumptlon that completion 01 Ihlllmprovcmenls will be performed
In a workmanlike manncr.
10. The epprelser must provide hllli or her prior written consent before the lender/client speclfled In the appraisal repott
can distribute the appraisal report !inCluding conclusions about (ho properly velue, the appralser's IdenlilV and
professional desIgnations. and references to any prolessional appraisal organizations or the firm with which the appraIser
Is asaoellltedl 10 .nyone other than the borrower; the morlgegeo or Its successors and USIO"S; 1he mortgage Insurer;
consultants; professional appraisal organizations; any stale or lederallv approved flnanclallnsU(utlon; or any department,
agoncy. or Instrumentality 01 the.Unlted States or any slato or the Dlstrlcl 01 Columbia: exceptlhat the lender/clienl may
distribute the property description sectlnn 01 (he report only to data collection or ,epOrllng servlcelsl wilhout having to
obtain the appralscr's prior wrlUen consent. The appraiser's wIIHen consent and approval must also be obtained belore
lhe appraisal can be conveyed by an,.one to Ihe public through advertising. public relations. new.. .ales. or other media.
F'eddle Mac Form 439 0.93
Page 1 of 2
FannIe Mae Form 10049 6.93
th"........_Moot......Uni....."t_...,....C_"" 1.001....,2'
"
4415161754
FI*e No. 2168
I,'
,
i
I
Lind. Lloyd Appr.,..I.
APPRAISERfS CERTIFICATION: The Appr.l.ar cerUffol and Igree. that:
1. I have r.selrched tha subject market lUll end hava solectod I minimum of IImnt ractln' lalos 01 propartllls mOlt
.Imll., and prolllmate to the .ubJect property for consideratIon In the IIle. comparl.on 8n,IYII. and have mlde I don.,
ed/ullment when appropriate to felllte! the market reacllon 10 tho," lIem. of IlonUle.nl vllletlon. II II .Ignlllel"t 110m In
II comparable property Is sUPllrlor 10. or morl! 'Ivorable then, the lublect proporly. I have made I nllglllve adjustment to
reduce Ihe adlusted lalel p,lcll 01 the compalllble Ind. If It significant 110m In II comper.bln propOrly I, Inlerlor to. or leu
"votable than the Jublnct property, I hive made I pOllllve .d/ultment to Increne the adJullad lalol price of the
comparlble.
2. t hive taken Into consIder. lion tho 'aclor. thai hI"'e an Imp.ct on value In my dovolopment 0' the o.tlm.11!! of market
value In the appraisal report. I ha",e nol knowingly wllhhold any IlgnHlcl"1 I"'onnlllon from the apprallll report and I
belle",e, to lhe best of mv knowledge, lhlt III Italemenl. and Informltlon In the apprallll report Ire true Ind corrllct.
3. I Itltad. In the Ipprallll roport. onlv mv own potlonlll, unblaled, and profeulonal analysis, oplnlonl, and
conclusion., which Ire .ubJecl onlV to the contlngllnt Ind limiting condition. Ipecllled In thl. form.
"
4. I hive no prelent or prnlpectlve Interest In the property that Is the .ubjecl 0' this report, and I have no present or
prolpecllve perlonallnterest or bill with "lpecl to 'ho parllclpantl In the tranllcUon. I did nol bale, either partially or
completely. my analYII. and/or the eallmate 0' market value In the appraisal 'eport on the race, color, religIon, lex,
handicap, familial .talul, or nallonal origIn 01 either lho prospective ownors or occupants of the sublecl property or 0'
the p'esenl owners or occupsnt. of the propertllllln the vlclnltv 01 the subject property.
6. I have no present or contemplated future Interest In tho subject property, and neither my cutront or luture
employment nor mv comPlnll~lon lor perlormlng thll eppralsalls contingent on the appraised value of the property.
6. I WI' not ,eQulred to report 8 predelermlned value or dlroctlon In value that favor. the cluse 01 the client or Iny
related PlrtV, the amount 01 the valUI eltlmate, the Ittalnment 01 a specific result, or the occurrence of a subsequent
event In order to receive my compensltlon and/or employment 'or performIng the appraisal. I did not base the appraisal
report on a requested minimum valuation, a splclflc valuation, or the need to approve a ,peclllc mortgage loan.
7. I performed this appralselln conformity with the Uniform Standards of Prolesslonal AppraIsal Practice that were
adopted Ind promulgated by the Appraisal Standards Board of The Appraisal Foundation and lhat were In place ., of the
effective date 0' this appraisal, with the exception 0' the departure pro",lslon of those Slandards, which does not apply.
Ilcknowledge that an estimate 0' a reasonabla time for exposure In the open market Is a conditIon In the del/nltlon of
merket value and the esUmale I developed Is consistent with the marketing time noted In the neIghborhood section 0'
thl. report, unless I have otherwise Italed In the reconciliation section.
B. , have personally Inspected the Interior and exlerlor areas of the sublect property and tho exterIor 0' III properties
listed as comparables In the appraisal report. I further certllv that I have noted any apparent or known adverse
conditions In tha subject Improvements, on the subject site. or on anV slto within the ImmedIate vicinity of the subject
property of which I am aware and hIve mlde adjustments for these adverse conditions In my analysis of the property
value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse
conditions on the marketabllltv 0' the subject property.
9. I personally prepared all conclusions r;nd opInions about the real cstate that wera setlorth In the appraisal 'eport. III
relied on sIgnificant professional assistance from any Individual or individuals In the performance 01 tho appraIsal or Ihe
preparation of the appraIsal report, I have named such Indivlduallsl and disclosed the specific tasks performed by them In
the reconciliation secllon of this appraisal report. I cenllv that any individual so named Is Qualilied to perform the tasks.
I have not authorized anyone to make a change to any item In tho report: therefore. If an unauthorized change Is made to
the appraisal report. I will take no responsibility 'or It.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervlsorv appraiser signed the appraisal report. he or she
certifies and agrees that: I dIrectly supervise the appraiser who prepared tho appraisal report. have reviewed the
appraisal report, agree with the statements and conclusIons of the appraiser. agree to be bound by the appraiser's
certifications numbered 4 through 7 above, and am taking full responsib1lity for the eppralsaland the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 268 Rrfrrlle ROAd. MechAnlcsbura. PA 17055
APPRAISE~' ~ ~
Slonature: ~
~:~e~I~~d: ~~~v~~ .
Slate Cerllflcatlon I: PA-C"..A-On030Q_J.
or StIle License I: SUnwMrv AnDra.i~l
Slate: PA
Expiration Dale 01 Certification or License: 6/]0/97
SUPERVISORY APPRAISER lonly If requlredl:
Signature:
Name:
Dale Signed:
Stale Certification I:
or Slate License I:
State:
Ellplratlon Date of Certification or License:
o Old 0 Old Not Inspect Propeny
.',
I
Freddie Mac Form 439 6.93 Page 2 of 2 Fannie Mae Form 10048 6.93
,,. r..r.... '........., UnlIN .,t1_ ..,1.... C_...., 1.00'....'"
.....'
, '
SHERIFF'S J;CTUfill
r-;EGULt\ii
CASE NO: 1998-00613 r
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
WELSH RAWNELL L JR ET AL
VS,
WOOD THEODORE ET AL
MICHAEL L BARRICli
, Sheriff or Deputy Sheriff of
CUM8ERLAND County, Pennsylvania, who being duly sworn according
to law, says, the within COMPLAINT was sl?Ived
upon ANDERSON REAL ESTATE INC the
defendant, at 1404:00 HOURS, on the ~ day of February
1938 at 817 S. MARKET ST.
MECHANICSBURG, PA ;7055
. CUMBERLAND
County, Pennsylvania, by handing to KAREN FOX OFFICE MANAGER
a true and attested copy of the COMPLAINT
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
AfIidavit
Surcharge
So answ~9~~~~~~
6.00
. QJ0
. QJ0
2.00
1\. I homas KIJ.nE', ~herJ.1.1
se.00 SNELBAKER BRENNEMAN & SPARE
02/05/1998 ~.//. ~
by ~~ ;C"./'
~~J.LL
Sworn and subscribed to bt..::.1foI"(? me
thJ.s .j';<-- day of ~
19JL A.D.
n {,] 'lv""i. J .t..0.r-.
~Protl{'6'no t ar'y-r~-
"
.,
"
::; II ER rFF' ,,; "STUHrl
rlECiULAl,
CASE NO: 1998-0061J P
COMMotlWEALTH OF PENIISYLVAlII,\:
COUNTY OF CUMBER LA liD
WELSH RAWNELL L JR ET AI.
VS.
WOOD THEODORE ET AI.
MICHAEL E. BARRICK
. Sheriff or Deputy Sheriff of
CUMBERLAND County, Pennsylvan1a. who be1ng duly sworn according
to law, says. the within CmlPLAHlT was served
upon FOX KAREN M
defendan t. at 1404: 00 HOURS. on the .1th day of February
1998 at 817 S. MARKET ST.
MECHANICS BURG. PA 17055
the
. CUMBERLAND
County. Pennsylvania. by handing to KArIEIl FOX
a true and attested copy of the COMPLAINT
and at the same timp. directing Hr~r attention to th.: contents thereof.
Sheriff's Costz:
Docl<eting
Service .
Affidavit
Surcharge
6.00
6.20
.00
2.00
So ar~~;:~e
~homu.z K11ne, ShE.'rJ.11
':>1'1.";,<) SllELBAKER BRErHlEr1AtI <. SPARE
02/04/1998
by
Sworn and subscribed Lo before ln~
..~ -I ~__
!;j - - day of ~._ n..._;
9S' A, D.
C ~ {lot~~t',}-;'Y~
this
19
c;IiEf, IFF' c: f,ETurdl
CASE NO: 1998-0061J P
COMMONWEALTlI or PI::llliSYL'IAlIIA:
COUNTY or CUMBERLAND
UUT OF (:UUjj'j"i
WELSH RAWNELL L JR ET AL
vs.
WOOD THEODORE ET AL
R. Thorn"" l\1in'"
, Sh'?r~i.f, who bf!ing duly sworn according
to law, says, that he made a diligent search and inquiry ior the within
named defendant, t.o wit: LLOYD LINr'A
but was unable to locate Her in his ba11iwiclL He therefore
deputizp.d the sheriff of PERRY COUNTY County, Pennsylvania.
to serve the within COMPLAINT
On February 1:~th, 1998 thir:; office was in receipt of
the attached return from PERRY COUNTY County. Pennsylvania.
Sheriff's Costs:
Docketing
Out of County
Surcharge
PERRY COUlITY
(,.00
9.00
2.00
27.88
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S44.e~ SNELBEKER BRENNEMAN & SPARE
02/1::/19';18
Sworn and subscribed to before Ine
this 12. Ii!:' day of L~7
19 'if A.D.
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In The Court of COlli III on Picas orCumbcrland COllnty, Pcnnsyh'ani:l
. .. .
Rawne]l & Susan Welsh
vs.
Linda Lloyd
No.
98-6]3 Civil Term
19_
Now, Feb. 3,
Perry
] 998 19_,1 SHERIFF OF CUMBERLAND COVNTY, PA do hmb~' depullze Ihe Sheriff of
Coun!)' 10 execule Ihls Wrll. Ihls depulallon being made allhe requesl and risk of Ihe Plalnllff,
:C-~~"'<~
Sberlff of Cumberland Coun!)', Po.
Affidavit or Service
Now, Feb. lO
wllbin Complaint & Notice
upon T,; "(1" T.l nyrl
01 1 Turtle Ridge, Shermans Dale, PA. l7090
by banding 10 T.i nda r.lovd
attesled copy oflhe origioal C'nmpl flint & Notice
her Ihe conlenlS lhereof.
19 98 ,01 1 :55
o'clock
P ~l. served Ihe
a true and
and made known 10
So answers,
Af-dxLj
b'f~ Sherlffof 7'<"'1
Coon!)', Po.
COSTS
199.Y
SERVICE
MILEAGE
AFFIDA VIT
S
~
DEPUty PROTHONOTARY & ClERK 01 COURTS
BLOOMFiElD BORO. PERRY CO" PA
MY COMMISSION miRES lAN, 3. 2000
s
,-
CERTIFICATE OF SERVICE
r'^
ROBERT A. GALLAGHER hereby certifies that on this 25 day of February, 1998,
he filed an original of the foregoing Entry of Appearance with Lawrence E, Walker,
Prothonotary, Cumberland County Courthouse, One Courthouse Square, Carlisle, PA
17013-3387 by U.S, Mall, Postage Pre-Paid, First Class Rates.
He further certifies that on this same date he served copies of the same upon:
BY U.S. MAIL:
Keith Brenneman, Esquire
SNELBAKER, BRENNEMAN & SPARE
44 West Main Street
P.O. Box 318
Mechanicsburg, PA 17055-0318
Linda Lloyd, individually and
Ud/b/a Linda Lloyd Appraisals
1 Turtle Ridge
Shermans Dale, PA 17090
Karen M. Fox and
Anderson Real Estate, Inc.
817 South Market Street
Mechanicsburg, PA 17055
ERANernon E, Anderson Real Estate
817 South Market Street
Mechanicsburg, PA 17055
.
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CERTIFICATE OF SERVICE
AND NOW, this M day of 7t1. cuc4.
I 1998, I hereby certify that I
have served a copy of the within document on the following by depositing a true and
correct copy of the same in the U.S, Mails at Harrisburg, Pennsylvania, postage
prepaid, addressed to:
Keith 0, Brenneman, Esquire
SNELBAKER, BRENNEMAN & SPARE, P.C,
44 West Main Street
Mechanicsburg, PA 17055
C. Roy Weidner, Jr., Esquire
JOHNSON, DUFFIE, STEWART & WEIDNER
301 Market Street
p, O. Box 109
Lemoyne, PA 17043-0109
Theodore Wood
817-A South Market Street
Mechanicsburg, PA 17055
Yingst Exterminating, Inc,
817-A South Market Street
Mechanicsburg, PA 17055
CALDWELL & KEARNS
98-111/98587_1
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,Johnson, Dume, Stewart & Weidner
By: C. Roy Weidncr. Jr.
J.D. No. 19530
301 Markct Strcct
P. O. Box 109
LCllloync, Pcnnsylvania 17043-0109
(717) 761-4540
Attomcys for Dcfendants, Knrcn M. Fox nnd
Andcrson Rcal Estntc, fne, lId/b/n ERA/Vcmon E.
Andcrson Rcnl Eslnlc
RAWNELLl. WELSH, JR. and
SUSAN l. WELSH, his wife,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 98-613 CIVIL TERM
Plaintiffs
v.
CIVIL ACTION -LAW
THEODORE WOOD, YINGST
EXTERMINATING COMPANY. INC.,
LINDA LLOYD, Individually and
trading and doing business as
LINDA LLOYD APPRAISALS,
KAREN M. FOX and ANDERSON REAL
ESTATE, INC., trading and doing business as
ERANERNON E, ANDERSON REAL ESTATE,
JURY TRIAL DEMANDED
Defendants
NOTICE TO PLEAD
TO: Rawnelll. Welsh, Jr. and Susan l. Welsh
% Keith O. Brenneman, Esquire
Linda Lloyd, Vd/b/a Linda Lloyd Appraisals
% James l. Goldsmith, Esquire
Theodore Wood
Yingst Exterminating Company
AND NOW, this I q~ of March, 1998, you are hereby notified to plead responsively within twenty
(20) days of the date of service hereof, or judgment may be entered against you.
:107801
51. Denied, On the contrary, Plaintiffs signed the Home Inspection Addendum to
Agreement or Sale upon their apparent determination that they did not wish to avail themselves of the
opportunity to have a professional home Inspection company Inspect the premises for them In accordance
with the addendum presumably for reasons of cost.
52. Admitted In Part, Denied In Part, It Is ad milled that In conjunction with Plaintiffs
signing the Home Inspection Addendum to Agreement of Sale as set forth In paragraphs 49 through 50
hereof, which are Incorporated by reference herein, Defendant Fox wrote "waived" across It. Anything to the
contrary thereof Is specifically denied.
53. Denied. Any such statements and representations on the part of Defendant Fox are
specifically denied for the reasons set forth In paragraphs 49 through 52 hereof, which are Incorporated by
reference herein, By way of further specific denial, Defendant Fox at all relevant times properly represented
the opportunity to Plaintiffs to have a professional home Inspection company Inspect the premises and give
an opinion whether any defects or problems existed in the house.
54. Denied. It is specifically denied that Defendant Fox intentionally misrepresented the
purpose of the Home Inspection Addendum to Agreement of Sale or that she did so for the purpose of
deceiving Plaintiffs and so that they would not have a home inspection. On the contrary, she at all times
properly represented the purpose of the Home Inspection Addendum to Agreement of Sale, By way of
further specific denial, paragraphs 49 through 53 hereof are incorporated by reference herein,
55. Denied. On the contrary, Defendant Fox stated the true purpose of the Home
Inspection Addendum to Agreement of Sale, so that Plaintiffs could and would obtain a professional home
Inspection in accordance therewith if they so desired. By way of further specific denial, paragraphs 49
through 54 hereof are Incorporated by reference herein.
56-57.
Denied. Paragraphs 49 through 55 hereof are incorporated by reference herein.
58. Denied. On the contrary, Plaintiffs relied on a misunderstanding of the true purpose
of the Home Inspection Addendum to Agreement of Sale and apparently confused it with a pre-settlement
walkthrough inspection. By way of further specific denial, paragraphs 49 through 57 hereof are incorporated
by reference herein.
New Matter Affirmative Defens.ll
67. On or about April 11, 1996, Plaintiffs executed the pre-settlement walkthrough
Inspection waiver, a copy of which Is attached hereto, Incorporated by reference herein and marked as
Exhibit A hereto,
WHEREFORE, answering Defendants demand judgment In their favor.
New Matter In the Nature of a Cross.Clalm Pursuant to PA, R.C.P. No, 2252(d)
Directed to Defendants Theodore Wood, Yingst Exterminating Company, Inc" and LInda Lloyd,
Individually and t1d/b/a Linda Lloyd Appraisals.
68. In the event that Plaintiffs were InjoJred as complained of In their complaint, which Is
denied, then Plaintiffs' Injuries were the result of acts and omissions of said Defendants as set forth In the
averments of Plaintiffs' complaint against said Defendants, which are Incorporated for reference herein only,
but neither admitted or denied, except as set forth above.
WHEREFORE, answering Defendants demand that Defendants Theodore Wood, Yingst
Exterminating Company, Inc" and Linda Lloyd, individually and Ud/b/a Linda Lloyd Appraisals be found
solely liable to Plaintiffs; that they be found jointly and severally liable; or that they be found liable over for
contribution and Indemnification.
J FFIE, STEWART & WEIDNER
C. R ,Jr.
: 1 07790
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PRE-SETTLEMENT WALK-THROUGH INSPECTION
.
This form recommended and approved for, but not restricted to, use by members of the Greator Harrisburg
Association of REAL TORSI!>. . " ,
DATE OF SALES AGREEMENT: , &It'lJ~'~~ ~ '19?(P ',,'
RE: PROPERTY: ,t{t,( Ar I Y'I~LI5d...~Q.$!\ 'e; sb$.!.1;SI. ,0>&
SELLER(S): G H F L I) c ", BUYER(S): RA, LJf'\~ U 4 Su (d 1'1 (,Ut'td-
, The undersigned Buyer(') have completely In~pected the above~captloned property on
, 199_, accompanied by , and have determined
to their satisfaction that the property was In substantially the same condition as It was at the time of execution
of the Agreement of Sale, ' ,
, The Buyer(s) acknowledge that all non-real estate extras 'as oullined In the Agreement of Sale were on the
p,remlses at the time of Inspection and all fixtures were In place and functioning, '
, The following Items were noted as NOT being In satisfactory condition but were accepted In "AS IS" condition.
,,(Indicate If "NONE",) The Buyer(s) have received copies of all required certifications and Inspections and under.
stand that non warranties are Included unless specifically Indicated on the written report, All terms and
cond!tlons In th~ Agreement of Sale have b'e"nJlatlsfactorlly met.
I. . .
,..",The'followlng Items were noted as NOT being In satisfactory condition and NOT ACCEPTED by'Buyer(s).
:",,' ~greement for resolution Is as follows: " " ','
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: ".; :In the case of an FHA Insured or VA guaranteed purchase, this certification shall neither supersede nor supplant
: '. :,:,;':ihe requisite prll-settlement Inspection certification but shall supplement same. ". , " , ' , '
.. .' .. '. . , -, . .'
:,: ::, :::Buyer(s) warrants ihat they are not relying upon allY representation made by Seller, Agent or Broker, and hereby
,;:-::;" releases, quit claims, and forever discharges, Seller(s), Seller(s)' Agents, Subagents, employees, and any officer
,..:'/:: ,or partner or,anyone of them and any other person, firm, or corporation, who may be liable by or through
:': ,:,' them, from'any and all claims, losses, or demands, Including personal Injuries, and all of the consequences
::; ,,, ~hereof, whll~e now known or not, which may arise due to the, condition of the subject property. '
";' , '. . ,'. . .... .
'0: /''fJ~tness: '" ' ,Buyer: ",' :, " ~at~:, '
,-:-:Wltness: Buyer;, , "Date: ,
':~:':' Seller(s) have been acivlsed of the results of Buyer(s) Inspection' and agree to exceptions or resolutions
',"';:noledhereln. " " ," , ,',. , " ',,,,', ,', ',' ,
"..;..., ~ . '; -.. . . . . . '. ..... . .
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;'; ,'; Wltness:'Seller: Date:'
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!,'y...,Wltness: ' , Seller: Date: '
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, ..,.. " .' ,INSPECTION WAIVER " " ,
::::~:: : . '[Complete this section ONLY If Inspectlon,l~ waived by the Buyer(s)) , , '
': ". ' {(We), the 'undersigned Buyer(s) of the above ,captioned property, have been advised of our right to a pre."
":"":',settlement Inspection. We hereby decline and waive our right to such Inspection and the benefit,S thereof and "
! ':' ~ereby release, quit claim, and forever discharge, Seller(s), Seller(s)':Agents, Subagents, 'employees, and any ,
: ';... officer or partner or anyone of them and any other person, fh'm, or corporation, who rt)ay be liable by or through ,
' " ,them, from any and all clalms,'losses, or demands, Including personal Injuries, and all of the consquences "
:, :' : thereof: wher now known or not~ may arise ~e ,to, the c ,di ion, of the s~bject property. .' <', ,,:;n'l:
' . , Witness: 'er: . ' Date: ~ -II - Cj fA ",\:,,:
'Witness: ' ~ ' Buyer: 1:\, I ,', 'L l .t J~:', t I ' Date: Lf .- i I ~ ~ '
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10. After reasonable Investigation, the Defendants Wood and Yingst Exterminating
Company, Inc. are without knowledge or Information sufficient to form a belief as to the
truth of this allegation, and the same Is deemed denied, and at Issue, and strict proof Is
demanded at trial, If relevant.
11. After reasonable Investigation, the Defendants Wood and Yingst Exterminating
Company, Inc. are without knowledge or information sufficient to form a belief as to the
truth of this allegation, and the same is deemed denied, and at Issue, and strict proof Is
demanded at trial, if relevant, however, It is admitted that if there were latant defects,
these conditions were not visible or observable without removal of siding, carpeting, or
other fixtures to gain access to otherwise inaccessible areas, which was beyond the
scope of the insect infestation inspection agreement.
COUNT I
12. The averments of paragraphs 1 - 11 of this Answer are incorporated by
reference as if fully set forth herein.
13. Admitted.
14. Admitted.
15. Conclusion of law to which no answer is required. To the extent that an
answer is deemed to be required, the written agreement speaks for itself.
16. Admitted.
17. Admitted.
18. Admitted.
19. Admitted.
20. Admitted with emphasis on the fact that the Inspection report speaks for itself
In terms of the nature, scope, and limitations on the Inspection, and the fact that there
was no visible evidence of wood destroying insect Infestation.
21. After reasonable Investigation, the answering Defendants are without
knowledge or Information sufficient to form a belief as to the truth of this allegation, and
the same Is deemed denied, and at issue, and strict proof Is demanded at trial, If
relevant.
22, After reasonable investigation, the answering Defendants are without
knowledge or Information sufficient to form a belief as to the truth of this allegation, and
the same Is deemed denied, and at issue, and strict proof is demanded at trial, If
relevant.
23. After reasonable investigation, the answering Defendants are without
knowledge or information sufficient to form a belief as to the truth of this allegation, and
the same is deemed denied, and at issue, and strict proof is demanded at trial, if
relevant.
24. After reasonable investigation, the answering Defendants are without
knowledge or information sufficient to form a belief as to the truth of this allegation, and
the same is deemed denied, and at issue, and strict proof is demanded at trial, if
relevant.
25. Specifically denied that the Defendant Wood was negligent, reckless, or
careless in the conduct of the inspection he made. By way of further additional answer:
A. It Is specifically denied that there was any visible evidence
of wood destroying insects in the framing lumbers and center
wood girder, which were not readily visible or accessible at
the time of the inspection, and which were disclaimed In the
body of the inspection report;
'\
B, Ills specifically denied that there was visible evidence of
wood destroying insects or damage from wood destroying
Insects and the Inspection report expressly Indicated the
nature, scope, and limitations of the Inspection;
C. It Is specifically denied that the crawl space of the house
was open and readily accessible for Inspection;
D. It Is specifically denied that there was an obligation to
report that the crawl space was obstructed or Inaccessible,
and It Is specifically denied that anything In the
Inspection report suggested or Implied that the crawl space
was readily accessible, and therefore, Inspected;
E. It Is specifically denied that the Defendant Wood was
negligent in failing to uncover the access point to the crawl
space, which was obstructed and not readily accessible, and
therefore, not within the scope of the inspection, as was
duly noted in the Inspection report;
F. It Is specifically denied that the Defendant Wood had a duty
or obligation to inquire as to the existence or accessibility
of access points to the crawl space under the inspection
agreement and the scope, terms, and limitations as set forth
In the inspection report; and,
G. It Is specifically denied that the Defendant Wood had any
duty to observe or inspect the crawl space or soil within
several Inches of the framing lumber for moisture,
ventilation, or otherwise under the terms of the inspection
agreement and as clearly set forth under the terms of the
inspection report with regard to the scope and limitations
of the inspection; and as clearly set forth in the Addendum
to the Agreement of Sale realtive to the property, which
provided only for "an inspection of the readily visible and
accessible area of all structures within the property limits."
26. It is specifically denied that the Defendant Wood was negligent, careless, or
reckless, for the reasons set forth above, and for the reasons that follow, and on the
basis of the averments set forth In the New Matter to this Answer, all of which are
incorporated by reference as if fully set forth herein. It is specifically denied that the
alleged negligence, carelessness, or recklessness of the Defendant Wood caused
significant wood destroying Insect Infestation damage and wood rot, and It Is further
specifically denied that the nature and scope of the Inspection conducted by the
Defendant Wood, which was in accord with the Inspection agreement and the Inspection
report which set forth the nature, scope, and limitations on the Inspection, would or could
have revealed the wood destroying Insect infestation damage or wood rot In the
obstructed, concealed, inaccessible, and not readily visible areas of the house.
27. Specifically denied that the Defendant Wood was negligent, careless, or
reckless on the basis of the above averments of this Answer, the averments that follow,
and the averments of the New Matter to this Answer, all of which are Incorporated by
reference as If fully set forth herein. After reasonable Investigation, the Defendant Wood
Is without knowledge or Information sufficient to form a belief as to the truth of the
damages allegedly sustained by the Plaintiffs, and the same are deemed denied, and at
Issue, and strict proof Is demanded, if relevant. By way of further additional answer, any
causal relationship between the Defendant Wood's inspection and the damages alleged
by the Plaintiffs Is specifically denied, and strict proof is demanded at trial, if relevant.
WHEREFORE, the Defendant Wood respectfully requests that jUdgment be
entered in his favor, and against all other parties, together with an award of costs.
COUNT II
28, The averments of paragraphs 1 - 27 of this Answer, together with all of the
following averments, and all of the averments of the New Matter are incorporated by
reference as if fully set forth herein.
29. Admitted,
i ~
30. Admitted.
WHEREFORE, the Defendant Yingst Exterminating Company, Inc. respectfully
requests that judgment be entered In Its favor, and against all other parties, together with
an award of costs.
COUNT III
31. The averments of paragraphs 1 - 30 of this Answer, together with all of the
subsequent averments of the Answer, and all of the averments of the New Matter are
Incorporated by reference as If fully set forth herein.
32. - 45. These allegations are directed against Defendants other than the
Defendants Wood and Yingst Exterminating Company, Inc. such that no answer is
required on the part of the Defendants Wood and Yingst Exterminating Company, Inc.
under the Pennsylvania Rules of Civil Procedure, or otherwise.
WHEREFORE, the Defendants Wood and Yingst Exterminating Company, Inc.
respectfully request that judgment be entered in their favor, and against all other parties,
together with an award of costs.
COUNT IV
46. The averments of paragraphs 1 - 45 of this Answer, together with all of the
following averments of the Answer, and all of the averments of the New Matter are
Incorporated by reference as if fully set forth herein.
47. - 61. These averments are directed to a Defendant other than the Defendants
Wood and Yingst Exterminating Company, Inc., and hence no answer Is required by the
Defendants Wood and Yingst Exterminating Company, Inc. under the Pennsylvania Rules
of Civil Procedure, or otherwise.
WHEREFORE, the Defendants Wood and Yingst Exterminating Company, Inc.
respectfully request that Judgment be entered In their favor, and against all other parties,
together with an award of costs.
COUNT V
62. The averments of paragraphs 1 - 61 of this Answer, together with all of the
following averments and the averments of the New Matter to this Answer, are
Incorporated by reference as if fUlly set forth herein.
63. This allegation Is directed to a party other than the Defendants Wood and
Yingst Exterminating Company, Inc. such that no answer Is required on their part under
the Pennsylvania Rules of Civil Procedure or otherwise.
WHEREFORE, the Defendants Wood and Yingst Exterminating Company, Inc.
respectfully request that judgment be entered in their favor, and against all other parties,
together with an award of costs.
COUNT VI
64. The averments of paragraphs 1 - 63 of this Answer, together with all of the
averments of the New Matter to this Answer, are incorporated by reference as if fully set
forth herein.
65. - 66. These allegations are directed to parties other than the Defendants
Wood and Yingst Exterminating Company, Inc. such that no answer is required on the
part of the Defendants Wood and Yingst Exterminating Company, Inc. under the
Pennsylvania Rules of Civil Procedure, or otherwise.
WHEREFORE, the Defendants Wood and Yingst Exterminating Company, Inc.
respectfully request that jUdgment be entered in their favor, and against all other parties,
together with an award of costs.
NEW MATTER
67. Paragraphs 1 - 66 of the foregoing Answer are incorporated by reference as if
fully set forth herein under Pennsylvania Rule of Civil Procedure 1019(g).
68. The alleged termite damage and wood rot to the Plaintiffs' home was
obstructed from view and inaccessible because of aluminum siding on the home and
dense vegetation around the home, and the Defendants Wood's and Yingst Exterminating
Company's Wood Destroying Insect Infestation Inspection Report (hereinafter "WDII/R")
expressly noted that the exterior area of the structure was obstructed or inaccessible
because of dense vegetation and exterior coverings.
69. The WDII/R expressly noted that the main level of the structure inspected was
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obstructed or inaccessible to inspection because of fixed ceilings, fixed wall coverings,
floor coverings, cabinets or shelving, and appliances.
70. The Defendants Wood and Yingst Exterminating Company, Inc, were not
aware that the Plaintiffs' home had a crawl space, and upon information and belief, the
home inspector hired by the Plaintiffs also was unaware that the structure had a crawl
space.
71. Upon information and belief, access to the crawl space was in one of the
structure's closets, and the access point was covered over by wall-to-wall carpeting; and
hence, was obstructed and Inaccessible within the terms and intent of the Insepction
agreement and report.
72. The WDI/IR (NPCA-1 6/95) was signed by the Plaintiffs who acknowledged
the limited scope of the Inspection.
73. The scope of Inspection provided for by the WDI/IR Is the standard that has
been set by the National Pest Control Association in conjunction with the federal
government's Veteran's Administration and Department of Housing and Urban
Development.
74. The WDII/R correctiy set forth the limited scope of the inspection, that the
inspection was limited by obstructed and inaccessible areas, and truthfully and accurately
related that there was no visible evidence of a wood destroying Insect infestation
)
observed and the limited scope of the inspection setting forth that the "inspection was
conducted in the readily accessible areas of the idenl/fied inspected structure"; that the
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inspection was only "of the unobstructed and accessible areas of the subject structure";
that "inspection covered the readily accessible areas of the structures inspected, included
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attics and crawl spl'lces which permitted entry during inspection"; that the "inspection did
not include areas which were obstructed or inaccessible at the time of the inspecl/on";
and that ''[n]o inspecl/on was made in areas which required the breaking apart or into,
dismantling, removal of any object including, but not limited to: moldings, floor coverings,
wall coverings, siding, ceilings, insulal/on, floors, furniture, appliances, and/or personal
possessions, nor were areas inspected which were obstructed and/or inaccessible for
physical access."
'"
f'
75. The Defendants Wood and Yingst Exterminating Company, Inc.'s WDI/IR
expressly advised the Plainl/ffs that "[i]f any area which has been reported as
! ,;
, ''''''.,
Inaccessible Is made accessible, the Inspection company may be contacted for another
Inspection," that an additional fee would apply, but that at no time did the Plaintiffs
contact either of these Defendants for an additional Inspection. The Plaintiffs had no
further contact with these Defendants until after the Plaintiffs discovered the alleged
termite damage and wood rot while removing aluminum siding from the home, and only at
that point did the Plaintiffs make the crawl space accessible.
76. If it Is judicially determined that the Plaintiffs' alleged damages were caused
by negligence, recklessness, fraud, or intentional conduct, such actions or omissions
were not on the part of the Defendants Wood and Yingst Exterminating Company, Inc.,
but rather, were actions or omissions on the part of the Plaintiffs; the Defendant Linda
Lloyd, individually and IId/b/a Linda Lloyd Appraisals; the Defendant Karen M. Fox,
individually and as a real estate agent with the Defendant Anderson Real Estate, Inc,;
and the Defendant Anderson Real Estate, Inc.
77. The Plaintiffs' right to bring or maintain this action, or recover damages herein,
is barred or limited by their assumption of the risk, contributory/comparative negligence;
accord and satisfaction; or lack of privity of contract.
78. The Plaintiffs expressly accepted the limited scope of the wood destroying
insect infestation inspection performed by the Defendants Wood and Yingst Exterminating
Company, Inc. by signing the WDIIIR on April 11, 1996.
CROSS-CLAIM DIRECTED AGAINST THE DEFENDANT
LINDA LLOYD. INDIVIDUALLY AND TIDIBIA LINDA
LLOYD APPRAISALS
79. Paragraphs 1 - 78 of the foregoing Answer & New Matter are incorporated by
reference as if fully set forth herein, pursuant to Pennsylvania Rule of Civil Procedure
1019(g).
/
,
,
80. The averments of paragraphs 31 - 45 of the Plaintiffs' Complaint are
Incorporated by reference, without admission or adoption.
81, If It Is Judicially determined that the Defendants Wood and Yingst
Exterminating Company, Inc. are liable to the Plaintiffs, which liability Is expressly denied
as aforesaid, then the Defendant Lloyd Is primarily liable to the Plaintiffs, and liable over
In Indemnity to the Defendants Wood and Yingst Exterminating Company, Inc.
82. If it judicially determined that the Defendants Wood and Yingst Exterminating
Company, Inc. are liable to the Plaintiffs, which liability is expressly and specifically
denied, then the Defendant Lloyd is liable over to these Defendants for contribution.
WHEREFORE, the Defendants Wood and Yingst Exterminating Company, Inc.
respectfully request that judgment be entered in their favor, and against all other parties,
together with an award of costs.
CROSS-CLAIM AGAINST THE DEFENDANT
KAREN M. FOX
83. Paragraphs 1 - 82 of the foregoing Answer and New Matter are incorporated
by reference as if fully set forth herein pursuant to Pennsylvania Rule of Civil Procedure
1019(g).
84. The averments of paragraphs 46 through 63 of the Plaintiffs' Complaint are
incorporated by reference as if fully set forth herein, without admission or adoption.
85. If it is judicially determined that the Defendants Wood and Yingst
Exterminating Company, Inc. are liable to the Plaintiffs, which liability is expressly denied
as aforesaid, then the Defendant Fox is primarily liable to the Plaintiffs, and liable over to
the Defendants Wood and Yingst Exterminating Company, Inc. in indemnity.
,
h.
'".
VERIFICATION
I hereby affirm that the following facts are correct:
HENRY YINGST as ~e..~~-i!t,?~ (TITLE) of
YINGST EXTERMINATING COMPANY, INC. ~s authorized to enter into
this Verification on behalf of YINGST EXTERMINATING COMPANY INC.,
,I
the Defendant in the foregoing action; the foregoing Answer and
New Matter is based upon information which has been furnished to
Robert A. Gallagher as counsel for YINGST EXTERMINATING COMPANY,
INC. and information which has been gathered by Robert A.
~
Gallagher as counsel for YINGST EXTERMINATING COMPANY, INC,
in
the preparation of the defense of this lawsuit. The language of
the Answer and New Matter is that of Robert A. Gallagher as
counsel for YINGST EXTERMINATING COMPANY, INC. and not of me.
I
have read the Answer and New Matter and to the extent that the
"
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,
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same is based upon information which I have given to Robert A.
Gallagher as counsel for YINGST EXTERMINATING COMPANY, INC., it
,
,
,
is true and correct to the best of my knowledge, information and
belief. To the extent that the content of the Answer and New
Matter is that of Robert 1t. Gallagher aA counsel for YINGST
EXTERMINATING COMPANY, INC., I have relied upon Robert A.
Gallagher as counsel for YINGST EXTERMINATING COMPANY, INC.
in
making this Verification.
\ .
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, I
,
I hereby acknowledge that the facts set forth in the
aforesaid Answer and New Matter are made subject to the penalties
of 18 Pa. C.S. Section 4904 relating to unsworn falsification to
authorities.
~~d
. HE~ GS '
DATE:
3-/ti?-?:.P
CERTIFICATE OF SERVICE
"\ ' ,\
ROBERT A. GALLAGHER hereby certifies that on this ~'day of March, 1998, he
filed an original of the foregoing Defendants Wood and Yingst Extermlnatlong Company,
Inc.'s Answer & New Matter with Lawrence E. Walker, Prothonotary, Cumberland County
He further certifies that on this same date he served copies of the same upon:
Courthouse, One Courthouse Square, Carlisle, PA 17013-3387 by U.S. Mail, Postage
Pre-Paid, First Class Rates.
BY U,S. MAIL:
Keith Brenneman, Esquire
SNELBAKER, BRENNEMAN & SPARE
44 West Main Street
P,O. Box 318
Mechanicsburg, PA 17055-0318
Counsel for Plaintiffs
James L. Goldsmith, Esquire
CALDWELL & KEARNS
3631 North Front Street
Harrisburg, PA 17110
Counsel for Linda Lloyd,
Individually and lId/b/a
Linda Lloyd Appraisals
C. Roy Weidner, Esquire
JOHNSON, DUFFIE, STEWART & WEIDNER
301 Market Street, P.O. Box 109
Lemoyne, PA 17043-0109
Counsel for Karen Fox, Anderson
Real Estate, Inc. and ERA!
Vernon E. Anderson Real Estate
,
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Robert A, Gallagher
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the property in question. At no time was the pre-settlement
walkthrough inspection waiver explained to Plaintiffs by
Defendant Fox or Defendant Anderson Real Estate, Inc. Finally,
Defendant Fox and Defendant Anderson Real Estate, Inc. were
fully aware that at all times Plaintiffs were not represented at
or before settlement by either an attorney or their own real
estate agent.
WHEREFORE, Plaintiffs request the Answer with New Matter of
Defendant Karen M. Fox and Anderson Real Estate, Inc. be
stricken and that jUdgment be entered in favor of the Plaintiffs J
against Defendants in accordance with the demands made in
Plaintiffs' Complaint.
SNELBAKER, BRENNEMAN & SPARE,
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P. c.
By:
~~
Keith O. Brenneman, EsqUire
Supreme ct. ID #47077
44 West Main Street
Mechanicsburg, PA 17055
(717) 697-8528
Attorneys for Plaintiffs,
Rawnell L. Welsh, Jr. and
Susan L. Welsh
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Date: ~AitJr z';( If"
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LAW OFFICES
SNELDAKER.
BRENNEMAN
& SPARE
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VERIFICATION
I verify that the statements made in the foregoing Reply
New Matter are true and correct. I understand that false
statements herein are made subject to the penalties of l8 Pa.
C.S. S4904 relating to unsworn falsification to authorities.
Date: 8k-)t3
f~{;~~
Rawnell L. h, r.
VERIFICATION
I
I verify that the statements made in the foregoing Reply to <
New Matter 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.
~ '8l L~
Susan L. Welsh
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Date: 3-2S-~ 1?
LAW OFFIces
SNELDAKER.
8nENNEMAt~
8: SPARE
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70-71. Denied, After a reasonable Investigation, replying Defendants are without knowledge
or Information sufflclent to form a belief as to the truth of said averments.
72. Admitted In Part, Denied In Part, It Is admitted that the WDIIIR was signed by
Plaintiffs. The remainder of this averment Is denied In that after a reasonable Investigation, replying
Defendants are without knowledge or Information sufficient to form a belief as to the truth of said averment.
73-74. Denied. After a reasonable Investigation, replying Defendants are without knowledge
or Information sufflclent to form a belief as to the truth of said averments.
75. Admitted In Part, Denied In Part. It Is admitted that the WDIIIR contains the
language averred. The remainder of this averment is denied In that after a reasonable Investigation,
replying Defendants are without knowledge or Information sufficient to form a belief as to the truth of said
averment.
76-78. Denied. These averments are deemed denied as conclusions of law to which no
responsive pleading Is required.
Cross.clalm Directed against the Defendant Linda Lloyd,
Individually and tJd/b/a Linda Lloyd Appraisals
79-82. Denied. These averments are deemed denied as ones to which no responsive
pleading on the part of replying Defendants are required.
Cross-Claim Against the Defendant
Karen M. Fox
83. Admitted In Part. Denied In Part. Paragraphs 1 through 68 of replying Defendants'
answer to Plaintiffs' complaint and 67 through 82 hereof are Incorporated by reference herein.
84. Admitted in Part. Denied in Part. Paragraphs 46 through 63 of replying
Defendants' answer to Plaintiffs' complaint are incorporated by reference herein.
85-86. Denied. These averments are deemed denied as conclusions of law which no
responsive pleading is required.
VERIFICA TlON
I, Karen M. Fox, verify that the statements made In the foregoing document, which are within the
personal knowledge of the undersigned, are true and correct, and as to the facts based on the Information of
others, the undersigned, after diligent Inquiry, believes them to be true, And further, this verification Is signed
on the recommendation of my attorneys, who advise me that the statements and language In this document
are required legally to raise issues for resolution at trial by the Court, or by continuing investigation and
preparation for trial. I understand that some of these statements may prove inappropriate after Investigation
and trial preparation are complete, and I leave determination of these matters to my attomeys on their advice.
I understand that all statements herein are made subject to the penalties of 18 Pa. C.S.A. ~904,
relating to unsworn falsification to authorities.
%<'V/V\ JJ?1 ~,
Karen M. Fox '
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RAWNELL L. WELSH, JR. and
SUSAN L. WELSH, his wife,
PLAINTIFFS
V.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
THEODORE WOOD, YINGST
EXTERMINATING COMPANY, INC.,
LINDA LLOYD, Individually and
trading and doing business
as LINDA LLOYD APPRAISALS,
KAREN M. FOX and ANDERSON
REAL ESTATE, INC., trading
and doing business as ERN
VERNON E. ANDERSON REAL
ESTATE,
DEFENDANTS
98-0613 CIViL TERM
IN RE: DEMURRER OF DEFENDANT. LINDA LLOYD. INDIVIDUALLY AND
TRADING AND DOING BUSINESS AS LINDA LLOYD APPRAISALS.
TO PLAINTIFFS' COMPLAINT
BEFORE BAYLEY. J. AND GUIDO. J.
ORDER OF COURT
AND NOW, this 2~ day of June, 1998, the preliminary objection in the
form of demurrer of defendant, Linda Lloyd, individually and trading and doing
business as Linda Lloyd Appraisals, to plaintiffs' complaint, IS GRANTED. Plaintiffs'
complaint against defendant, Linda Lloyd, individually and trading and doing business
as Linda Lloyd Appraisals, IS DISMISSED.
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Edgar B. Bayley, J.
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F1LED-DFFiCE
CF w: l';:")lHC~iOTf.AY
98 ,JlJN - 0 PI'! I: ~ 7
eLI' I'JI .,.. I'" '~liY
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P-'i"'"(I''' \11\
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98-0613 CIVIL TERM
doing business as Linda Lloyd Appraisals. Linda Lloyd flied a preliminary objection to
the complaint In the form of a demurrer, The issue was briefed and argued on May
27, 1998,
In their count against Linda Lloyd, plaintiffs aver that the sales agreement to
purchase their home from GHF, Inc., was contingent on their obtaining an FHA
insured loan. Plaintiffs paid $275 to their mortgage company for the cost of an
appraisal conducted by defendant which was necessary to obtain the FHA loan.
Lloyd inspected the property on March 4, 1996, for the purpose of estimating the
market value as required by FHA standards and guidelines. Plaintiffs further averred
that:
[D]efendant Lloyd knew that Plaintiffs and Plaintiffs' lender would and
did rely on Defendant Lloyd to properly perform an inspection of the
Premises and provide an accurate, complete and truthful report
concerning the Premises and its market value.
I
,
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Defendant Lloyd was negligent, careless and reckiess in performing an
inspection and appraisal of the Premises and in preparing the written
Appraisal In the following particulars:
(a) by failing to enter into the crawl space of the house or
phYSically inspect the crawi space;
(b) by falling to observe the infestation or evidence of
infestation in the foundation of the house which was
present at the time of the inspection;
(c) by falling to observe the dampness in the crawl space
which was evident at the time of the inspection;
(d) by failing to note In the Appraisal evidence of infestation
and dampness;
(e) by noting in the Appraisal that the building appeared to be
structurally sound;
(n by failing to note and require that the crawl space in the
i
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98-0613 CIVIL TERM
house be properly vented as required by U. S. Department
of Housing and Urban Development Handbook (hereinafter
'Handbook') 4905.1 REV-1, 2.11 and 2-14C;
(g) by falling to note the excessive dampness and decay In the
crawl space of the house, which excessive dampness and
decay constituted defective conditions under Handbook
4905,1 REV-1, 2-8;
(h) by failing to look In the crawl space of the house for
purposes of detecting and noting evidence or potential for
termite Infestation In accordance with Handbook 4150.1
REV-1, 4029B;
(i) by falling to note that the house did not comply with
Handbook 4905.1 as required by Handbook 4150.1 REV-1;
0) by failing to report and identify a specific condition or
specific conditions of the house pertaining to the crawl
space and the condition of the support structures of the
house, to the extent repair of such conditions was feasible
as required by Handbook 4150.1 REV-1, 5-11;
(k) by falling to reject the property if correction was not
feasible and compliance could not be effected with major
repairs or alterations as required by Handbook 4150.1
REV-1, 5-11; and
(I) by ignoring the presence of moisture In the crawl space
and failing to check the floor framing and support beam for
rot, weakness and deterioration and the presence of such
moisture,
.. .
As a direct, proximate and factual result of the negligence, carelessness
and reckiessness of Defendant Lloyd as specified above, Plaintiffs were
abie to close and did in fact close on the purchase of the Premises.
...
Had Defendant Lloyd properly inspected and appraised the Premises,
the defects and conditions noted in Paragraphs 9 and 10 above wouid
have required a determination of a valuation of the Premises
substantially iess than $87,500,00 which wouid have caused rejection of
Plaintiffs' FHA loan and subsequent disciosure to Plaintiffs of the defects
and conditions of the Premises. Had Plaintiffs been aware of the defects
and conditions of the Premises noted in Paragraphs 9 and 10 above,
-3.
98-0613 CIVIL TERM
In Baker v. Surman, 361 N.W.2d 108 (1985), plaintiffs, after moving into a
home they purchased from the Surmans, discovered numerous defects Including
bowing In the basement walls. Pialntlffs Instituted suit against the Surmans, the realty
companies and realtors Involved In the transaction, and Leroy E. Haeg who had
performed an FHA appraisal. Plaintiffs maintained that FHA financing should not have
been approved because Haeg was negligent In not detecting the bowing of the
basement walls. The Court of Appeals of Minnesota held:
The trial court properly directed a verdict for Haeg because, as a
matter of iaw, an FHA appraiser has a duty of care only to the federal
government. A party who negligently supplies false Information for the
guidance of others may be liable to third parties if they are foreseeable
recipients of the Information and justifiably rely upon it to their detriment.
See Bonhlver v. Graff, 311 Minn. 111, 121-22, 248 N.W.2d 291, 298-99
(1976).
A potential home buyer is a foreseeable recipient of an appraisal.
However, the buyer cannot rely upon an FHA appraisal as a warranty of
the value or condition of the home. The primary and predominant
objective of the FHA appraisal system is the protection of the
government and its insurance funds. The mortgage insurance funds do
not insure anything other than the repayment of loans made by iender
mortgages. The ieglslative history of the program makes it clear that
Congress did not intend to establish a duty of care for the benefit of
mortgagors. United States v. Neustadt, 366 U.S. 696, 706, 81 S.ct.
1294,13006 L.Ed.2d 614 (1961); Cason v. United States, 381 F.Supp.
1362,1367 (W.D.Mo.1994); Summers v. United States, 510 F.2d 123,
125 (8th Cir.1995). In the absence of such a duty, home buyers cannot
recover damages for negligent appraisal from the federal government or
an appraiser employed by the government. See Gay V. Broder, 109
Cal.App.3d 66, 167 Cal.Rptr. 123 (1980) (Veterans Administration
appraiser not lIabie to home buyer for negligent appraisai of home).
In the case sub iudice, there is attached to plaintiffs' complaint the F.H.ANA
Addendum to their Agreement of Sale, which provides:
-5-
98-0613 CIVIL TERM
The appraised valuation Is arrived at to determine the maximum
mortgage the Department of Housing and Urban Development will
Insure. HUD does not warrant the value or the condition of the
property. The Buyer should satisfy himself/herself that the price and
the condItion of the property are acceptable. (Emphasis added.)
This document clearly shows that no duty was assumed by Linda Lloyd to
plaintiffs, Absent an assumption of a duty, a lender's Inspection of a premises to be
mortgaged does not create a duty to inspect the mortgage property to determine that
the borrower Is obtaining that which he may have been promised by the vendor or
that which he believes he is obtaining. Federal Land Bank of Baltimore v. Fetner,
269 Pa. Super. 455 (1979), A lender's inspection of the premises to be mortgaged is
made only to ascertain whether the property has sufficient value to secure the loan
and is made by the lender for its benefit only. Id. See also Stempler v. Frankford
Trust Company, supra.
Based on these authorities, we find that Linda Lloyd owed no duty to plaintiffs
whereby plaintiffs could recover damages on their tort claim against her even if she
negligentiy performed the FHA appraisal. Accordingly, the follOWing order Is entered.
ORDER OF COURT
AND NOW, this f?Io. day of June, 1998, the preliminary objection in the
form of demurrer of defendant, Linda Lloyd, individually and trading and doing
business as Linda Lloyd Appraisals, to plaintiffs' complaint, IS GRANTED. Plaintiffs'
complaint against defendant, Linda Lloyd, Individually and trading and doing business
as Linda Lloyd Appraisals, IS DISMISSED.
-6-
98-0613 CIVIL TERM
Keith O. Brenneman, Esquire
For Plaintiffs
James L. Goldsmith, Esquire
For Linda Lloyd and Linda Lloyd Appraisals
C. Roy Weidner, Jr., Esquire
For Karen M. Fox and Anderson Real Estate, Inc.,
t/d/b/a ERNVernon E. Anderson Real Estate
Robert A. Gallagher, Esquire
Theodore Wood and Yingst Exterminating Company, Inc.
:saa
.\
-7-
Jqhnson, Duffle, Stewart & Weidner
By: C, Roy Woldner, Jr.
I.D, No. 19530
301 Market Stroat
p, O. Box 109
Lemoyna, Pennsylvania 17043.0109
(717) 761.4540
AlIorneys for Dofendants, Karen M. Fox and
Andorson Roal Estete, Inc. Ud/b/a ERAlVarnon E,
Andorson Real Estate
RAWNELL L. WELSH, JR, and
SUSAN L. WELSH. his wife.
Plaintiffs
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO, 98.613 CIVIL TERM
CIVIL ACTION - LAW
JURY TRIAL DEMANDED
v,
THEODORE WOOD, YINGST
EXTERMINATING COMPANY, INC"
LINDA LLOYD, Individually and
trading and doing business as
LINDA LLOYD APPRAISALS.
KAREN M, FOX and ANDERSON REAL
ESTATE, INC., trading and doing business as
ERAlVERNON E, ANDERSON REAL ESTATE,
Defendants
PRAECIPE TO SETTLE. SATISFY AND DISCONTINUE
TO THE PROTHONOTARY:
Please mark the above matter sellled, ended. and discontinued, Including atl counterclaims, crossclalms and joinders
of additional parties,
SNELBAK ENNEMAN & SPARE. P,C,
By:
By:
Keith 0, Brenneman
Attorney for Plaintiffs
C, Roy eldner. '
Attorney for Def ants Karen M. Fox and
Anderson Real Estate, Inc,. Ud/b/a
ERAlVernon E, Anderson Real Estata
By:
r , Wishard, Esquire
AIlorney for Defendants Theodore Wood
and Yingst Exterminating Company, Inc.
DISCONTINUANCE CERTIFICATE
AND NOW, 4., 9 ~ /q,9'(
suit has been marked as above directed.