HomeMy WebLinkAbout98-02572
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THIS AGREEMl,N'1' made this
and between Christ.opher r;:,
"Husband") and Nancy J. Hess,
MODIFICATION of PSA
II day of D/!r:J)t1/3/f/<'-, 2002, by
IItHlS, (her:einafter referred to as
(hereina fter referred to as "WHe").
WHEREAS, Husband and Wife entered into a Property Settlement
Agreement (PSA) dated August 8, 2001 which is to be incorporated
into the Decree in Divorce; and
WHEREAS, circumstances have changed since the PSA was signed,
Husband has elected to retire from his federal government position,
therefore Husband and Wife for their mutual benefit and other good
and valuable consideration desire to modify the terms of the PSA as
follows;
1. The parties agree that paragraph 7 of the DRO, dated
September 15, 2001, relating to Husband's pension as set forth in
paragraph 7 and atti:\ched as Exhibit "A" to the original PSA, is
modHied to provide that ~1ife shall receive 20% of his date of
retirement pension. This is a reduction of 1.15% by WHe of the
marital portion, but is a net increase in the amount payable due to
using husband's date of retirement benefits.
2. The parties agree that the first sentence of paragraph 9
of the September 15, 2001 DRO is to be modified to state: "The
Alternate Payee is awarded 33% of the fOl'mer spouse survivor
annuity under the Civil Service Retirement System." This
modification results in WIfe receiving approximately the same
survivor benefit as if she had received the maximum survivor
benefit that was based on the originally agreed April 22, 1998
accrued annuity benefit.
3. In consideration of Wife's net increase in her portion of
Husband's pension, paragraph 9 of the PSA is amended to terminate
Husband's obligation to pay Wife spousal support/alimony, effective
with Husband's December 28, 2002 paycheck. Wife shall immediately
terminate the current support order through Cumberland County
Domestic Relation Office. Husband shall directly make his $275.00
monthly sposual support payments through his December 28, 2002
paycheck.
4. As further consideration for the amendment of the PSA,
upon issuance of the Decree in Di.vorce, acceptance of the modified
DRO by the Court and Husband's employer and termination of
Husband's support/alimony obligati.on, Husband shall assist Wife in
her legal fees by paying Wife $1,800.00 in a single lump sum within
15 days of the occurrence of the last contingency.
5. In all other respects the August 8, 2001 PSA remains in
full force and effect.
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NES 'WHEREOF, the parties set their hands a~d ~eals
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Date Chri~topher E. Hess
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/ Yffn({'y J. Hess
Commonwealth of Pennsylvania:
County of C'I4IHI!F"(~tl)
ss
PERSONALLY APPE:ARED BE:FORE ME, th.isjl day of ~,...,.,~ ,
2002, a notary public, in and for the Commonwealth of Pennsylvania,
Chri.t.opher E. He.., known to me (or satinfactorily proven to be)
the person whose name is subscribed to the within agreement and
acknowledged that he executed the same for the purposes herein
contained.
IN WITNESS WHEREOF, I have
seal.
..-..--
Not3~irl q~~1
Kenneth L. Sohlegel, Notary Publl)
Hampden Twp" Cumberland County
My Commission Expires Apr, 4, 201)6
Mamber, P'''''''MnIa ^""",-1Ion 0 N<>lana;;
Commonwealth of Pennsylvania:
County of (!1I1k1"'r~
ss
PERSONALLY APPEARED BEFORE: ME, this II day of D"o", I,.J/- ,
2002, a notary public, in and for the Commonwealth of Pennsyl.vania,
Nancy J. He.., known to me (or satisfactoril.y proven to be) the
person whose name is subscribed to the within agreement and
acknowledged that she executed the same for the pur.poses herein
contained.
IN WITNESS WHEREOF, I have
hereunt~o~' hand
/ ~. .
vary Public
seal.
___...._.ft..___.___.._..
Not~~j(ll ~~ ~I ~--
Kennoth L. Sohlegel. Notary Publi)
Hampden Twp" Cumberland (Jaunty
2 My Commission Expires Apr, 4. 20' 16
Mombet, Pannsylvanla AssO('~atton 0' NOlnrL;
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PROPERTY SETTLEMENT AGREEMENT
Tl-llS AOREEMENT, made this _ '?J *'. day Of~__, 2001, by and
between CHRISTOPHER E, HESS, hereinafter called "Husband , and NANCY J. HESS,
hereinafter called "Wife",
WITNESSETH:
WHEREAS, Husband and Wife wcre legally married on May 19, 1973;
WHEREAS, two children were born of this marriage, Julie Heather Hess, born August 1,
1982, and Laurie Lynn Hess, born November 16, 1983;
WHEREAS, differenccs have arisen between Husband and Wife in consequence ofwruch
they desirc to live separate and apart from each other; and
WHEREAS, Husband and Wife desire to settle and determine their rights and obligations,
NOW THEREFORE, in consideration of the premises and covenants contained herein, it is
agreed by arid betwecn the parties hereto that:
1. SEPARATION,
It shall be lawful fot each party at all times hereafter to live separate and apart from each
other at such place as he or she from time to time shall choosc 01' deflm fit. The foregoing provision
shall not be taken as an admission on the part of either party of the lawfulness or unlawfulness of
the causes leading to their living apart.
2. INTERFERENCES.
Each party shall be free from interference, authority and control by the other, as fully as if
he or she were single and unmarried, excepl a~ may be necessary to carry oul the provisions of this
Agreement. Neither party shall molest or attempt to endeavor to molest the other, or in any way
harass or malign the other, nor in any other way interfere with the peaceful existence, separate and
apart from the other,
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3, Iill:1SION OF REAL PROPERn::.
Husband agrees, at the time of the execution of this Agreement, to transfer all his right, title
and interest in and to the real estate situated at 1108 Allen Street, New Cumberland, Cumberland
County, Pennsylvania, now titled in the name of Husband and Wife, Husband further
acknowledges that he has no claim, right, interest, or title whatsoever in said property and further
agrees never to assert any elaim to said property in the future, Said transfer shall be effective
immedialelyand shall be binding regardless of the marital status of the parties, Wife shall be solely
responsible for any and all expenses related to the said real estate pending the transfer of title,
4. I!JVISION OF' PERSONAL PROPERTY.
The parties have divided between them to their mutual satisfaction, personal effects,
household goods and furnishings and all other articles of personal property which have heretofore
been used in common by them, and neither party will make any claim to any such items which are
now in the possession or under the control of the other. Should it become necessary, each party
agrees to sign any title or documents necessary to give effect to this paragraph, upon request.
5. BANK ACCOUNTS.
The parties liquidated the PNC joint checking and savings accounts and the accounts have
since been closed, Wife retained the balance in the checking account and Husband retained the
balance in the savings account. Wife shall retain as her sole and separate property her checking and
savings accowlts at Fulton Bank which was subsequently closed,
6. STOCKSmONDS/SEClJRITIES.
Wife shall have transferred to her name individually the entire Waypoint savings account
no, 0760006850, The monies in the said account arc a result of the cashing of approximately
$2,175.00 in savings bonds, Husband shall retain as his sole and separate property 2000 shares of
Bio Control Tech Stock and 90 shares of Hershey Foods Stock, Husband shall secure, directly
from the company, confirmation that the extent of his ownership in the Bio Control Tech Stock is
the 2000 shares referred to herein, Upon receipt of said confirmation, counsel for Husband shall
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Immediately forward the confinnation to cf)unsel fill' Wife. Husband shall supply to Wife
statements from the Waypoint account from inception to the present showing the original deposit
representing the cashed bonds and the accumulated interest until the date of transfer to Wife,
7, l'ENSIONSIIRAs.
A. Wife shall retain as her sole and separate property her ownership in her Fidelity
IRA, Husband shall transfer to Wife the balance in his IR.'-\ in its entirety, This transfer shall tuke
place pursuant to the directives of the Fidelity Group who administcrs the IRA statement. Husband
shall promptly execute any documents necessary to effectuate the transfer of the IRA pursuant to
this paragraph, At Wife's election, subject to the approval of Fidelity, the monies from Husband's
IRA shall be transferred to an IRA account as designated by Wife, Husband shall supply Wife with
the most recent stlltement from his IRA prior to the transfer. Husband warrants that he has not
made any withdrawals from the aforementioned IRA since the date of the separation of the parties,
B, Civil Service Retirement System Pension: Wife's expert, Harry M. Leister, Jr.,
has drafted a Domestic Relations Order, a copy of which is attached to this Agreement and marked
Exhibit "A", The purpose of the Domestic Relations Order is to establish the specific benefit to be
paid to Wife in the event of Husband's death or retirement. Specifically, Wife shall be beneficiary
on Husband's pension plan prior to his retircment. At the time of his retirement, Wife's right to a
percentage of his accrued benefit as of the date of separation of the parties (April 22, 1998) is more
specifically identified in the attached Domestic Relations Order, Wife's right to the percentages set
forth in the attached Exhibit "A" shall be applied based on the gross benefit plioI' to any deduction
for a survivor benefit plan, The percentage payment to Wife from the gross benefit shall be
reduced gradually depending on the date of Husband's retirement. Speclfically, in the event
Husband retires at age 55, Wife shall receive 2 I, I 5 percent of the gross benefit plus any cost of
living acUustments, This percentage will, depending on Husband's age at the date of his retirement,
gradually reduce over a period of years as specifically set forth in Exhibit "A", At age 60, Wife
would be entitled to 6.9 percent of the gross benefit plus any cost of living adjustments. In the
event Husband retires at age 62 or thereafter, Wife will receive no portion of Husband's gross
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benefit. In the event of Wlftl's dcuth, ufter Wifc Is receiving her percentuge shlll'e of Husband's
retiremcnt benefit,lhe pllyment shall continuc to be puyuble to Wife's estule, Husband hIlS agreed,
as more pllrticullll'ly set f0l1h In Exhibit "A", that hc will elect thc irrevocllble survivor benefit
option with Wife nwned as his survivor. Wifc's right to the survivor benefits shall survive any
remarriage of Husbund or Wife with the exception of Wife's remlll'riuge prior to her attaining age
55, In providing Wife wilh the survivor benefit, the parties have taken into account a deduction
from Wife's equitable distribulion in the anlOunt 01'$10,400,00 representing un estimate of the
value of thc, survivor benefit to Wife,
8, MOTOR VEHlCLE8.
Husband shall retain ownership of his 1987 Ford Tuuras, 1975 Ywnaha 100 motorcycle and
1979 Honda 400 motorcycle, It was determined by the parties that Wife's 1995 Ford Thunderbird
was not a mlll'ital asset and would be retained by her as her individual asset.
9. SUPPORTIIALIMONY.U\.LlMONY PENDENTE LITE.
Husband is presently paying in the form of child supporl the sum of $500,00 per month
and, in the form of spousal support/alimony pendente lite, the sum of $275,00 per month, These
payments shall continue by wage attachment unless modified by the court, The child support
payment shall terminate upon the parties' youngest daughter, Laurie Lynn Hess', graduation
from high school in June 01'2002, The lermination of the $500.00 per month child support
payment shall occur on the first bi-weekly pay of Husband following the child's graduation, In
the event any arrearage exists at the time of termination of the Child Support Order payments,
Husband shall continue to make payments at a rate of $500,00 per month until the arrearage is
paid in full, Pursuant to PlII'agraph 29 hereof, the parties will be completing their divorce action
wd, at that time, the aforementioned spousal support/alimony pendente lite payment of$275,00
shall convert to alimony, The said alimony shall be for an indefinite period and shall be
modifiable based on a change in circumst,3nces, It is llI1ticipated by the parties that at the time
the child support terminates pursuant to this paragraph, there will be a request by Wife to modify
the alimony payment set forth herein 01' any subsequent modification entered prior to June of
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2002. Wife'8 right to modification oftht~ alimony paymenl8hall he rctroactiw to the datc 8he
petitions the court for a changc in the alimony,
10. EQUlTABLlj: DlSTlUBUTION.
The distribution of assets as set forth in this Agrccment has tukcn into account the
valuation of all of the parties' assets specifically set forth herein and the value of Hushand's
pension. In addition, a $2,500,00 fair rental credit was given to Husband (deducted from Wife's
equitable distribution) as part of the clllculations used by the parties in reaching this Agreement.
ll. MEDICAL INSURANCE.
Husband agrees that he shall continue to carry Wife on his medical coverage as provided
by his employer until the purties secure a Decree in Divorce as referenced in Paragraph 29
hereof:
12. TAX ON PROPERTY DIVISION.
Husband hereby agrees to pay all income taxes assessed against him, if any, as a result of
the division of the property of the parties hereunder, Wife hereby agrees to pay all income taxes
assessed against her, if any, as a result of the division ofthc property of the parties hereunder,
13, ASSUMPTION OF DEBTS.
The parties agree that they hnve no outstanding joint debts of the marriage. Any debts of
the parties individually shall be their sole and separate responsibility.
14. BREACH.
If either party breaches any provision of this Agreement, the other parl'J shall have the right.
at his or her election, to sue for damages for such breach, The party breaching this contract shall be
responsible for the payment of legal fees and costs incurred by the other in enforcing his or her
rights under this Agreement, or seeking such other remedy or relief as may be available to him or
her. The parties specifically acknowledge that they are entitled to utilize the remedies as set forth in
the Divorce Code of 1980, as amended,
15, El!LL I>ISCLOSURE.
Husband and Wife each represent and warrant to the other that he or she has made a full and
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complete disclosure to lhe other of all assets of any nature whatsoever in which such party of evory
type whatsoever and all other facts relating to the subject mailer of this Agreement. The said full
disclosure is as specifically provided in written Interrogatories supplied by either party in this
action.
16, ADDITIONAL INSTRUMENf.
Each of the parties shall on demand execute and deliver to the other any deeds, bills of sale,
assignment, consents to change of beneficiary on insurlmec policies, tax returns and other
documents and do or caused to be done any other act or thing that may be necessary or desirable to
the provisions and purposes of this Agreement. If either party fails 011 demand to comply with this
provision, that party shall pay to the other all allomeys' fees, costs and other expenses reasonable
incurred as a result of such failure,
J7. WIFE'S DEHlS.
Wife represents and warrants to Husband that since the parties' separation she has not and in
the future she will not contract or incur any debt or liability for which Husband or his estate might
be responsible and shall indemnity and save Husband harmless from any and all claims or demands
made against him by reason of debts or obligations incurred by her.
J8. HUSBAND'S DEBTS.
Husband represents and warrants to Wife that since the parties' separation he has not and in
the future he will not contract or incur any debt or liability for which Wife or her estate might be
responsible and shall indemnify and save Wife harmless from any and all claims or demands made
against her by reason of debts or obligations incurred by him.
19. WAlVERS OF CLAlMS AGAINST ESTATES.
Except as otherwise provided herein, each party may dispose of his or her property in any
way, and each party hereby waives and relinquishes any and all rights he or she may now have or
hereafter aequire, under the present or future laws of any jurisdiction, to share in the property or the
estate of the other us a result ofthe marital relationship, including without limitation, dower, curtsy,
statutory allowance, widow's allowance, right to take in inteslacy, right to take against the Will of
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the other, and right to act as administrator or executor of the other's estate, and ollch will, to the
request of the other, execute, acknowledge, and deliver any and all instruments which may be
necessury or advisable to carry into effect this mutual waiver and relinquishment of all such
interests, rights and claims,
20. REPRESENTATION.
It is recognized by the parties hereto that Husband is represented by Thomas D. Gould,
Esquire, and Wife is represented by John J. Connelly, Jr., Esquire, ]t is fully understood and agreed
that by the signing of this Agreement, each party understands the legal impact of this Agreement
and further acknowledges that the Agreement is fair and reasonable and each party intends to be
]egally bound by the tenns hereof.
21. VOLUNTARY EXECUTION.
The provisions of this Agreement are fully understood by both parties and each party
acknowledges thaI this Agreement is fair and equitable, that it is being entered into voluntarily and
that it is not lhe result of any duress or undue influence,
22. ENTIRE ,t\GREEMENT.
This Agreement contains the entire understanding of the parties and there ure no
representations, warranties, covenants 01' undertakings other than those expressly set forth herein,
23. PRIOR AGREEMENT,
It is understood and agreed that any and all property settlement agreements which mayor
have been executed prior to the date and time of this Agreement are null and void and of no effect.
24. MODIFJCA nON AND WAIVER.
Any modification or waiver of any provision of this Agreement shall be effective only if
made in writing and executed with the same fonnality as this Agreement. The failure of either
party to insist upon strict perfonnance of any of the provisions of this Agreement shallllot be
construed as a waiver of any subsequent default of the same or similar nature,
25. OQVlj:RNING LAW.
This Agreement shall be governed by and shall be construed in accordance with the laws of
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the Commonwealth of PennsylvunJa.
26. JNDEPENDENT SEPARATE COVENANTS.
It is specifically underslood and agreed by and between the parties hereto that each
paragraph hereof shall be deemed to be n separate and independent covenant and agreement.
.27. YOlO CLAUSES.
If any term, condition. dause, or provision of this Agreement shall be determined or
declared to be void or invalid in law or otherwise, then only that term, condition, dause or
provision shall be stricken from this Agreement and in all other respects this Agreement sball be
valid and continue in full force, effect and operation.
28. ENTRY AS PART OF DECREE.
It is the intention of tbe parties that this Agreement shall survive any action for divorce
which may be inslituted or prosecuted by eilher party and no order, judgement or decree of divorce,
temporary, fmal or permanent, shall affect or modify the financial tem1S of this Agreement. This
Agreement shall be made a part of, but shall not merge with, any such judgment or decree of final
divorce.
29, DIVORCE ACTION.
The parties to this action have pending before them a Divorce action indexed to number 98
- 2572 Civil, in the Court of Common Pleas, Cumberland County, Pennsylvanin, The parties shall,
upon execution of this Agreement, execute documents necessary to finalize the divorce action
including, but not limited to, the withdrawal of any claims pending under said action as well as
Affidavits of Consent and Waivers of Counseling and Waivers of Notice ofIntention to Request
Entry of a Divorce Decree and shall file them promptly with the court, After execution of the
Agreement, the Divorce Master in Cumberland County will be supplied with a copy of the
Agreement and he will revoke his appointment. The parties have agreed that tbey will delay the
securing of their Divorce Decree until on 01' about June 15,2002 which will extend the medical
coverage for Wife as more particularly set forth in Paragraph II hereof, Counsel for Wife shall, on
or about June 15,2002, praecipe to transmit the record in order to finali7.e the divorce and provide
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DRO
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6. The Alternate Payee is entitled to n portion of thf' Purticipunt,'s GroHs Monthly Annuity
under the Plan us set forth below. The OPM is hereby direct!\d to pay Alternate Payee's share
directly to Alternate Payee,
7. This DRO assigns to Alternate Payee an umount equal to X% of the PlIrticipant's Gross
Monthly Annuity aecrued lIS uf April 22, 1998, based upon his yellrs of service, including military
service as of I. hat date and based upun the high three.year average salary as of that date, where
X% is determined as follows:
Date Payments
Q,gmmence to Participant
X2l!
On or before November 1, 2003
On or after November 2,2003 and before November 1, 2004
On or after November 2, 2004 and before November I, 2005
On or after November 2, 2005 IUld before November 1, 2006
On or after November 2, 2006 and before November 1, 2007
On or after November 2, 2007 and before November 1, 2008
On or after November 2, 2008 and before November 1, 2009
On or after November 2, 2009
21.15%
18.30%
15,45%
12.60%
9.75%
6.90%
3.50%
0.00%
The Gross Monthly Annuity is the Participant's total annuity without any deduotions
that are withheld for any reason. Any amount so withheld shall be deducted solely from the
PlU'ticipnnt's share of the annuity.
In addition to the above, when COLA's are applied to Participant's retirement benefits,
the same COLA shall apply to the Alternate Payee's share,
8. Payments to Alternate Payee shall commence the date the payments commence to the
PlU'ticipant. Payments shall continue to Alternate Payee for the remainder of Participant's
lifetime, lfthe Alternate Payee dies before the Participant, the Alternate Payee's share of I. he
PlU'ticipant's pension shall be paid to the Alternate Payee's estate,
Participant agrees to arrange or to execute all forms necessary for the OPM to
co=ence payments to the Alternate Payee in accordance with the terms of the DRO,
DRO
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9. ThE' Alternatll Pa.vee is awardE,d thE' maximum possiblll former SPOUSIl survivor annuity
under the Oivil ServiCll Retirement System. This former spouse survivor annuity applies if the
Participant dies before his benefits commence of if the Participant dies alter his benefits
commence, The costs aSBociated wit.h prOViding this former spouse survivor annuity cllverage
shall not be deducted from tho Alternate Payee's benefit but shall be deducted solely from the
Participant.'s benefits. Participant agrees to take all necessary steps to elect Alternate Payee as
designated beneficiary fer the purposee of establishing and sustaining such former SPOUSf;l
coverage for Alternll.te Puyee,
10. If Participant leaves Federal se,rvice before retirement and applies for a refund of
employee contributions under the Plan, the Alternate Payee shall be entitled to a pro rata share of
such employee contributions. 'fhe marriage occurred on May 19, 1973, and the separation
OCCUlTed on April 22, 1998,
11. In no evant shall the Alternate Payee have greater benefits or rights othor than those
which are available to the PartiCipant. The Alternate Payee ie not entitled to any benefit not
otherwise provided by the Plan. The Alternate Payee is only entitled to the specific benefits
offered by the Plan as provided in this Order, All other rights, privileges and options offered by
the Plan not granted to Alternate Payee are preserved for the Participant.
12. The Plan shall issue individual tax forms to the PartiCipant and Alternate Payee for
amounts paid to each such person,
13, In the event that the Plan inadvertently pays to the Partici.pant any benefits that, are
assigned to the Alternate Payee puraullnt to the terms of this DRO, the Participant shall
immediately reimburse the Alternate Payeo to the extent that he has received such benefit
payments, and shall forthwith pay suoh amounts so received directly to the Alternate Payee
within ten (10) days of receipt. In the event the Plan ine,dvertently pays to the Alternate Payee
/!.ny benefits that arEI not assigned to her pursuant to the terms of this DRO, the Alternate Payee
DRa
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shall immediately reimburse tho Participant to tht, extent she has received such benefit payments
and shall forthwith pa.v such amounts so received directly to the Participant within ten (10) days
of receipt.
14. In the event the Participant makes a one-time irrevocable e]ectio.n to transfer into the
Federal Employees Retirement System ("FERS") before his reth'ement, then Alternate Payee shall
be entitled to a portion of the Part.icipant's Basic Annuity and/or a Refund of employee
contributions under }<'ERS calculated in a manner similar to that which is enumerated in Sections
7,8,9 and 10 above for the annuity and refund, respectively, and payable direct.ly from FERS.
Additionally, Alternate Payee shall be entitled to a former spouse survivor annuity payable under
FERS and determined in a similar manner to the survivor benefits set forth under Section 9
above. Further, such former spouse survivor annuity shall be payable directly from FERS.
15. If Participant takes any fiction that prevents. decreases, or limits the collection by
Alternate Payee of the sums to be paid hereunder, he shall make payments to Alternate Payee
directly in an amotmt sufficient to neutralize, as t.o Alternate Payee, the effects of the actions
taken by Participant.
16. The OPM shall notifY the Alternate Payee and her legal representative when the
Participant. makes an application for any benefit payments or withdrawals from the Plan.
17. The Oourt ofOommon Pleas ofOumberland Oount.y, Pennsylvania shall retain
jurisdiction to amend this Order, but only for the purpose of establishing it or maintaining it as a
Domestic Relations Order, provided, however, that no such amendment shall require the Plan to
provide any form of benefit or any option not otherwise provided by the Plan, and further provide
that no such amendm(lllt or right I)f the Oourt to so amend will invalidate this Order.
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DRO
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6. The Alternate Payee is entitled to a portion of tho Pllrticipant's Gross Monthly Annuity
under the Plan as set forth bolow. 'rho OPM is hero by dil'Octed to pay Alternate Payee's share
directly to Alternate Payee.
7. This DRO assigns to Alternate Payee an amount equal to X% of the Participllnt's Gross
Monthly Annuity accrued as of April 22, 1998, based upon his years of service, including military
service as of that date and based upon the high three-year average salary as of that date, where
X% is determined as follows:
Date Payments
Oommence tc. Particimw..!
X%
On or before November 1, 2003
On or after November 2, 2003 and before November 1, 2004
On or after November 2, 2004 and before November 1, 2005
On or after November 2, 2005 and before November 1, 2006
On or after November 2, 2000 and before November 1, 2007
On or after November 2, 2007 and before November 1, 2008
On or after November 2, 2008 and before November 1, 2009
On or after November 2, 2009
21.15%
18.30%
15.45%
12.60%
9.75%
6.90%
3.50%
0.00%
'l'he Gross Monthly Annuity is the Participant's total annuity without any deductions
that are withheld for any reason. Any amount so withheld shall be deducted solely from the
Participant's share of the annuity.
In addition to the above, when OOLA's are applied to Participant's retirement benefits,
the same OOLA shall apply to the Alternate Payee's share.
8. Payments to Alternate Payee shall commence the date the payments commence to the
Participant. Payments shall continue to Alternate Payee for the remainder of Participant's
lifetime. If the Alternate Payee dies before the Participant, the Alternate Payee's share of the
Participant's pension shall be paid to the Alternate Payee's estate.
Participant agrees to arrange or to execute all forms necessary for the OPM to
commence payments to the Alternate Payee in accordance with the terms of the DRO.
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DHO
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9, 'l'he Alternate Payee is IIwllrded tho maximum possiblo f()rmer spouso survivor annuity
under the Civil Service Retirement System, 'rhis former spouse survivor annuity IIpplies if the
Participant dies bef(Jre his benefits comml'nco of if thll Participllnt. dies lifter his benefits
commence. The costs IIssociated with providing this former spollse survivor IInnuity covorage
shall not be deducted from the Alternate Payee's benefit but shllll be deducted solely from the
Participant's benefits. Participant agrees to take all nocessary steps to elect Alterallte Payee as
designated beneficiary for the purposes of establishing and sustaining such former spouse
~overage for Alternate PlIyee.
10. If Participant leaves Federal service before retirement and applies for a refund of
employee contributions under the Plan, the Alternate Payee shall be entitled to a pro rata share of
such employee contributions. The marriage occurred on May 19, 1973, and the separation
occurred on April 22, 199B.
11. In no event shall the Alternate Payee have greater benefits or rights other than those
which are available to the Pllrticipant. The Alternate Payee is not entitled to any benefit not
otherwise provided by the Plan. The Alternate Payee is only entitled to the specific benefits
offered by the Plan as provided in this Order. All other rights, privileges and options offered by
the Plan not granted to Alternate Payee are preserved for the Participant.
12. The Plan shall issue individual tax forms to the Participant and Alternate Payee for
amounts paid to each such person.
13. In the event that the Plan inadvertently pays to tho Participant any benefits that are
assigned to the Alternate Payee pursuant to the terms of this DRO, the Participant shall
immediately reimburse the Alternate Payee to the extent that he has received such benefit
payments, and shall forthwith pay such amounts so received directly to the Alternate Payee
within ten (10) days of receipt. In the event the Pllln inadvertently pays to the Alternate Payee
any benefits that are not assigned to her pursuant. to the ternlS of this DRO, the Alternate Payee
'.
DIW
1'111(04
shall immediately l'Oimburse tho PlIrtillipllnt to thl. OX tent HIIO hils 1'(lColvod HIWh bono fit plIymouts
and ohall forthwith PIlY sllch amounts so l'flclllvlld dil'l,ctly to thll.l'lIl.th,lpllnt within tllll (10) dllYs
of'receipt.
14. In the event the Participant makes II one-time irrevocable election to transfer into the
Federal Employees Retirement System ("FERS") before his retirement, then Alternate Payee shall
be entitled to a portion of the Participant's Basic Annuity and/or II Refund of employee
contributions under FERS calculated in a manner similar to that which is enumerated in Sect.iolls
7,8,9 and 10 ahove for the flnnuity and refund, respectively, and pllyable directly from FERS.
Additionally, Alternate Payee shall be entitled to a former spouse survivor IInnuity payable under
FERS and dotermined in a similar manner to the survivor benefits set forth under Section 9
above. Further, such former spouse survivor annuity shall be payable directly from FERS.
15. If Participant takes any action that prevents, decreaseo, or limits the collection by
Alternate Payee of the sums to be paid hereunder, he shall make payments to Alternate Payee
directly in an amount sufficient to neutralize, as to Alternate Payee, the effects of the actions
taken by Participant.
16. The OPM shall notify the Alternate Payee and her legal representative when the
Participant Inakes an application for any benefit payments or withdrawals from the Plan.
17. The Oourt of Common Plells of Cumberland County, Pennsylvania shall retain
jurisdiction to amend this Order, but only for the purpose of establishing it (II' maintaining it as a
Domestic Relations Order, provided, however, that no such amendment shall require the Plan to
provide any form of benefit 01' any option not otherwise provided by the Plan, and further provide
that no such amendment or right of the Oourt to so amend will invalidate this Order.
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LAW OFFICB
JAMES. SMITH, DURKIN & CONNELLY, L~P
p. Q IIOX 6lO
HBRSIlBY.PBNNSYLVAN1A 11O))'{J6lO
DEe 11 2001 '
'HE HI!;f~t.V C:J"TI'Y THAT THE WI'THIN IJIV
A TRUI AND CO""ICT COPY 0,' THI
I', ORIGINAL 'IL8,D IN' ntl. ACTION,
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rIilll'ERT~E.I.ILEMENT AGRE.E.MEm:
THIS AGREEMENT, made this _ 'S:i~ day ofD~ I J2}D ~=-__, 200], by and
betweell CHlUSTOPHER E. I-JESS, hereinaftcr called "Husband' , and NANCY J. HESS,
hereinafter called "Wife".
WITNESSETH:
WHEREAS, Husbmld and 'Nife were legally man-ied on May 19, 1973;
WHEREAS, two children were bom of this man-iagc, Julie Heather Hess, born August I,
1982, mId Laurie LYlUI Hess. born November 16, 1983;
WHEREAS, differences have arisen betwcen Husband and Wife in consequence ofwhieh
they desire to live scparate and apart trom each othcr; and
WHEREAS, Husoand and \Vife desire 10 settle mId detclmine their rights and obligations.
NOW THEREFORE, in consideration of the premises ancl covenants contained herein, it is
agreed by and between the pm1ies hereto that:
1. SEPAHATION.
It shall be lawful for each party at all times hereafter to live separate ancl apart f1'Om each
other at such place as hc or she from time to time shall choose or deem fit. The foregoing provision
shall not be taken as an admission on the part of either parly of the lawfulness or unlawfulness of
the causcs Ie<lding to their living apmt.
2. INTERFERENCES.
Each party shall be free from interference, authority and cont1'Ol by the other, as f4l1y as if
he or shc were single anclunmarried, except as may be necessary to carry out the provisions of this
Agreement. Neither party shall molest or attempt to endeavor to molest thc other. or in any way
harass or malign the other, nor in any other way interfere with the peaceful existence, Separate and
apm1 from the other.
3. D.D:.LSION O~L PROpralll.
Husbmld agrees, at till' time oftlw execution of this Agrcemcnt, to transfer all his right, title
and interest in and to the rcal cstale situated at 1108 Allen Street. New Cumberland, Cumberland
County, Pennsylvania, now titled in the name of Husband ancl Wife. Husband further
acknowledges that he has nD claim. right. interest, 01' title whatsoever in said property mId ftlrther
agrees never 10 assert any claim to said propert:_ in the future. Said transfer shall bc effective
inU1lediately and shall be binding regardless of the marital stalllS of the pm1ies. Wife shall be solely
responsible for any ancl all expenses related to the said real estate pcnding the transfer of title.
4. DIVISION OF PERSONAl, PROPERTY.
TIle parties have divided between them to their mul1.ml satisfaction, personal effects,
household goods and furnishings and all Mher m1icles of personal propert)' which have heretofore
been used in common by them, and neither party will make an)' claim to an)' such items which are
now in thc posscssion or under the control of the other. Should it become necessary, each party
agrees to sign any utle 01' documents necessary to give effect to this paragraph, upon request.
5. BANK ACCOUNTS.
The parties liquidated the PNC joint checking and savings accounts and the accounts have
since been closed. Wife retained the balance in the checking account and Husbmld retained the
balmlce in the savings account. Wife shall retain as her sole and separate property her checking ancl
savings accounts at Fulton Bank which was subsequently closed.
6. STOCKSfBONDS/SECURITIES.
Wife shall have transfened to her name individually the entire Waypoint savings account
no. 0760006850. The monies in the said account are a result of the cashing of approximately
$2,175.00 in savings bonds. Husband shaUrctain as his sole and separate property 2000 shares of
Bio Control Tech Stock and 90 shares ofl-Iershey Foods Stock. Husband shall secure, directly
from the company, confitmation that the extent of his ownership in the Bio Control Tech Stock is
the 2000 shares referred to herein. Upon receipt of said confirmation, counsel for Husband shall
2
immediatel)' {clf\vard the confirmation to ()o\lnsel for Wire, Husband shall supply to Wife
statements from the Waypoil1t account f1'om inccption to the present sh[lwing the original dcposit
representing the cashcd bonds and 11](' aecumlllawd intcrest until the daw [If transfer to \l,'if'c,
7, ~!M1;,
A. Wi/'c shallretaillllS her S(llt.' and separate jlr[lpcrt)' her ownership in hcr Fidelit)'
IRA. Husband shall lIansfl'r to Wife, the halance in his IRA in its cntircty, This transfer shall take
place pursuant to the directives of the Fidelity Group wh[l administers the IRA statement. Husband
shall promptly execute any do()uments n('cessal')' to effectuate the transfer of the IRA pUrSUallt to
this pat'ugraph. Al \Vife's election, s\l~ie('lto the approval of Fidelity, thc monies from Husband's
IRA shall bc transferred to an IRA accoul1t as dcsignated hy \Vife. Husband shall supply Wife with
the most ree('nt statement tl'om his IR.A prior to the transfer. Hushand WatTUnts that he has not
madc 1m)" withdrawals from the aforementioned IRA since the datc of the separation of the parties,
B. Civil Sel'l'icc Retirement System Pension: Wife's expert, Harry M, Leister, Jr.,
has drafted a Domestic Relations Order, a copy of which is attached to this Agreement and murked
Exhibit "A", The purpose of the Domestic Relations Order is to establish the specific benefit to be
paid to W1fe in the event of Husband's death or rctirement. Specifically, Wife shall he heneficiary
on Husband's pension plan prior to his retirement. At the time of his retirement, Wifc's right to a
percentagc of his accrued henefit as of the date of separation of the parties (Api'll 22, 1998) is more
specifically identified in the attached Domestic Relations Order, Wife's right to the percentages set
forth in the attached Exhibit "A" shall be upplied hased on the gross benefit prior to any deduction
for a survivor benefit plan. The percentagc payment to Wire fi'omthc gross benefit shull be
reduced gradually dcpending on the dute of Hushand's retirement. Specifically, in the event
Husband retires Elt age 55, Wife shall receive 21.15 percent of the gross benefit plus any cost of
living adjustments. This percentage will, depending on Husband's age at the date of his rctirement,
gradually reduce over a period of years !IS specifically set fOl1h in Exhibit "A". At agc 60, Wife
would be entitled to 6,9 percent of the gross benefit plus any cost of living adjustments, In the
event Husband retires at age 62 or thercaftcr, Wifc will receive no pOl1ion of Husband's gross
3
benefit. In tIlt' event of' Wife';; death, after 'Nife is receiving her percentage sharc of Husband'!:
retirelncnt bendit, the' pa)'men! shall continue to be payable to Wife's estate, Husband has agreed,
as more particlllarl~' set forth in Exhibit "A", that he will clect the irrevocable survivor beneiit
option with Wife named as his survivor. Wiie's right to the survivor benefits shall sllrvivc an)'
remarriage of Husbancl 01' Wife with tlK' exception ofWifc's remarriage, prior t(1 her attaining age
55. In providing Wife with the survivor benefit, the parties have taken into account a dcduction
from Wife's equitable distribution in the amount of$I0,400,OO represcnting an estimate of the
valuc of the survivor benefit to Wife,
8, MOTOR VEHICLES,
Husband shall retain ownership of his 1987 Ford Tauras, 1975 'Yamaha 100 motorcycle and
1979 Honda 400 motorcycle. It was dClermincd by tbe parties that Wife's 1995 Ford Thunderbird
was not a marital assct and would be retained by bel' as her individual as~et.
9. SVPPORT//ALlMONY/ALIMONY PENDENTEJJIE,
Husband is prescntly paying in the form of child support the Bum of $500,00 pCI' month
and, in the form of spousal suppon/alimony pendente lite, the sum of $:275.00 per month, These
payments sha!! continue by wage attachment unless modifil,d by the coul1. The child support
payment shall terminate upon tbc panies' youngest daughter, Laurie Lynn Hcss', graduatioll
from high school in June onOO:2. The tcrmination oftbe $500,00 pel' month child support
payment shall occur on the first bi-weekly pai' of Husband following thc cbild's graduation. In
the event any arrearage exists at the time of tcrmination of tbe Child Support Order payments,
Husband shall continue to makc payments at a rate of $500,00 pel' month until the arrearage is
paid in full. Pursuant to Paragraph 29 hereof, the panies will be completing their divorce action
and, at that time, the aforemcntionec1 spousal support/alimony pendente Iitc payment of $275.00
shall convert to alimony. Tbe said alimony shall be for an indefinite period and shall be
modifiable based on a change in circumstances. It is anticipated by the parties that at thc time
the child SUpp0l1 terminates pursuant to this paragmph, there will be a request by Wife to modify
the alimony payment set forth herein or any subsequent modification entered prior to June of
4
2002, Wift"s right to modiiication of the alimon)' payment shall l1t' l':ltroactiw to the datc sht,
petitions thc court for Ii change in the alimony,
10. EQUlTAlJLE DlSTHIBVTION,
The distribution of assets as set forth in this Agreement has taken into account the
valuation of all of thc parties' assets spccifically set forth herein and till' ",due of Husband's
pension, In addition, a $2,500,00 iidr rental credit was given to Husband (deducted from Wifc's
equitable distribution) as part of the ealculations used by the parties in reaching this Agreement.
11. MEDlCALJNSUHANCL,
Husband agrees that he shall continue to can')' Wif(: on his medical coverage as provided
by his employer until the parties secure a Decree in Divorce as refcrcnced in Paragraph 29
hereof,
12. TAX ON PROPERTY DIVISION,
Husband l1(:1'eby agrees to pay all income taxes assessed against him, if any, as a result of
the diVision of the propert)' of the parties hereunder, Wife hereby agrees to pay all income taxes
assessed against her, ifany, as a result of the division of the property of the parties hereunder,
13, ASSUMPTION OF DF:BTS,
The parties agree that they have no outstanding joint debts of the marriage. Any debts of
the parties individually shall be their sole and separate responsibility,
14, BREACH,
If either pany breaches any provision of this Agreement, the other party shall have the right,
at his or her election, to sue for damages for such breach, The pm1y breaching tlus contract shall be
responsihle for the payment of legal fees and costs incurred by the other in enforcing his or her
rights under tlus Agreement, or seeking such othcr remedy 01' relief as may bc available to him 01'
her, The parties specifically acknowledge that they are entitled to utilize the remedies as set forth in
the Divorce Code of J 980, as amended,
15, 11ULL DISCLOSTlRE,
Husband and Wife each represent and warrant to the other that he or she has made a full and
5
eomplew cli~c1osurc to thc othcr of all assets of an)' nalllrl' whatso~\'er in which slIch part)' of every
type what!Jocver und all otlwr fill:ts relating to tll(' sul~jcctl11atter of this Agreement. The said flill
disclosure is liS specificall)' prcl\'idl,d ill writtcnllllC!Togatories suppIJed by either part)' in this
action,
16, ADDJTlQMLL~s.I'JWMEN"',
Each of the parties shall on demand eXCClll(' and deliver to the other an)' decds, bilJs of sale,
assignment, consents to change of beneficiary on hlsuranl:c policies, tax returns and oth~r
documents and do (J!' caused to be done an)' other act 01' thing that ma)' be necessary or desimble to
the provisions and purposes of this Agrccment. If either party fails on dermUld to comply with this
provision, that parly shall pay to the othcr all a!torlwys' fees, ('osts and othcr expenses reasonable
incuned as a rcsult of such failure.
17, WIFE'S DEBTS.
Wife rcprcsents and walTants to Husband that since tlw parties' separation she has not IUld in
the future she willllot contract or incur an)' debt or liability for which Husband or his estate might
be responsible and shall indemni(\' and save Husband harmless from any and all claims 01' demands
made against him by reason of debts or obligations incurred by her.
18, IlliS.f.lAND'S I!EIITS.
Husband represcnts and warrants to \rife that since the parties' separation he has not and in
the future he will not contract or incur any debt 01 liability for which Wife or her estate might be
responsible and shall indel1lnif)' and save Wife harmless from 1111)' and all claims 01' demands made
against her by reason of debts or obligations inculTed by him,
19, WAIVERS C!Lf.:LAJMS AGAINST ESTATE,S,
Except as otherwise provided herein, cach pm1y may dispose of his or her property in any
way, and each plllly hereby waivcs and relinquishes any and all rights he or she may now have 01'
hereafter acquire, under the prescnt 01' future laws of any ,illl'isdiction, to share in the property 01' the
estatc of the other as a result of the maritalrclationship, including without limitation, dower, curtsy,
statutol)' allowance, widow's allowance, right to takc in intestacy, right to take against thc Will of
6
the other, and right to act as administrator or execUtor of' OK' othcr's esta!,:, und ~ach will, to the
request of the other, execute, acknowledge, and delil'er an)' and ull inSlll1l11cnts which ma)' be
necessary or advisubk t() carry intcl cftcclthis mutual waiver and rclinquishment of' all such
interests, rights und claims,
211, lU~l'HESENTAl:lQJ'oj,
It is recognizcd by the panics hercto that Husband is represcnwd b)' Thomas J), Gould,
Esquire, and Wife is representcd by John .I. Connelly, Jr., Esquire, It is fully understood and agreed
that by the signing of this Agreement, each party understands the legal impact of this Agreel11cnt
and futther acknowledgcs that the Agreement is fail' and reasonable and each party imends to be
legally bound by the terms hcreoC
21. VOLVNTAR'~EXECEllQ~,
The pl'Clvisions of this Agreement are fully understood by both parties and each party
acknowledges that this Agrcement is fail' and equitable, that it is being entered into voluntarily and
that it is not the result of any duress 01' undue influcnce,
22. ENTIRE AGREEMENT,
This Agreement contains the entire understanding of th,' parties and there are no
representations, warranties, covenants or undertakings other than those cxpressly set fCl1th herein,
23, flUOR AGREEMENT,
Jt is understood ilnd agrecd that an)' and all property settlement agreements which mayor
havc been executed prior to the date and time of this Agrcement are null and void and of no effect.
24, M.QDIFICA T101'S..ANIl WAIVER.
Any modification or waiver of ilny provision of this Agreement shall be effective only if
madc in writing and executcd with the same formalit)' as this Agreemcnl. The failure of either
party to insist upon strict performance of any of the provisions of this Agreement shall not be
construed as a waiver of any' subsequent default of the same or similar naturc.
25, GOVERNING LAW,
This Agreement shall be gove1'1led Ill' <md shall be construed in accordanoe with the laws of
7
the Commonwcalth of'Penns)'ll'ania,
26, lliill;;'[~~DE~'-'IiErAR.Ul:"CQYE!\'A'\'TS,
It is spedfkally uncle:rstoocl and agrccd by and bctween the parties hcrc(e) that each
paj'agmph hereof shall he decmcd to bl' II separatc and indepcndcnl covenant and agreement.
27, TI)\J) ('LA I !~KS,
if any term, wndition, clausc. 01' provision of this Agrccment ~:hall be determincd 01'
declared (0 be void 01' invalid in law 01' otherwise, then only tilEI'. tcrm, condition, clause or
provision shall be stricken irom this Agrcl'me'nt and in all othcr respl'cts this Agreemcl1t shall he
vlllid and continue in full force, cfi,'ct and operation.
28, EN'U{Lo\S I'ART OF DE.C./illE,
lt is the intcntion of the parties that this Agrecment shall survive any action for divorce
which may be instituted 01' pl'Osec.uted by either part)' and no order, judgemcnt 01' decree of divO)'ee,
temporary, final or permanent, shall affect 01' modiiY the financial terms of this Agreement. This
Agrecmenl shall he' made a pan of, but shall not merge with, an)' such judgment or decree of final
divorce,
29, m..VD.RJ:UCTlClli,
The parties to this action havc, pending before them a Divorce action indcxed to number 98
- 2572 Civil, in tl](' Court ofCommon]'leas, Cumberland Count)', Pennsylvania, The pm1ies shall,
upon cxecution of this Agreement, excwte documents necessary to finalize thc divorce action
including, but not limited to, the withdrawal of any claims pending \lI1der said action as well as
Affidavits of Consent and Waivers of Counscling and Waivers of Notice of Intention to Request
Entry of a Divorcc Decrce and shall filc them promptly with the court. Aficr execution of the
Agreement, the Divorce Master in Cumberland County will be supplied with a copy of thr
Agreement ancl he will revoke his app0intment. The parties havc agreed that they will delay the
secming o[their Divorce Decree until on or about .lune 15,2002 which will cxtend the medical
eoveragc for Wife liS more particulal'l)' sct f(lIth in Paragraph I 1 hereof, Counsel for Wife shall, on
01' about .Iune 15,2002, praecipe to transmit the record in order to finalize the divorce and provide
8
DRO
Page 2
6, 'r'he Altel'nElt(. Pnyee is entitled to e. portion oftb" Participant's Gross Monthly Annuity
under the Plan as se: forth below, 'n-I" OPM is herob~' direot(,d t(, PElY A1t.erI\Elt~, Pay"c,'s shar"
direotly to AlternElt.e Pave".
, ,
7, This DRO Elssigns t.o Alt.ernat.e Payee Elf! amount equal to X';;', of the Participant.'s Gross
Monthly Annuit.y accruE,d as of April 22. 19t18, based upon his years of service, including military
service as of that dat,e and based upon the high three'-:vea~ average salar~' as ofthat dat", where
X% is determined as follows:
Date Payments
Commtmce to Particinant
X%
On 01' before November 1,2003
On or after November 2, 2003 and before November 1, 2004
On or after November 2, 2004 and before November 1, 2005
On or after November 2, 2005 and befor" November 1, 2006
On or aftel' November 2, 2006 and before November 1, 2007
On 01' after November 2, 2007 and before November 1, 2008
On 01' after November 2, 2008 and before November 1, 2009
On 01' after November 2, 2009
21,15%
18,30%
15.45%
12,60%
9,75%
6,90%
3,50%
0,00%
The Gross Monthly Annuity is t.h" Participant's total annuity without. any deductions
that are withheld for any reason, An~' amount. so withheld shall be deducted solely from the
Participant's share of the annuity,
In f!ddition to the above. when COLA's are applied to Participant's retirement benefits,
the same COLA shall apply to the Alternate Payee's share.
8, Payments to Alternat.e Paye" shall commence the date th" payments commence to the
Participant. Payments shall continue to Alternate Payee for the remainder of Participant's
lifetime, If the Alternate Payee dies before the Participant, the Alternate Payee's share of the
Part.icipant's pension shull bB paid to the Alternate Payee's estate,
Participant. agrees to arrange or to execute all forms necessary for the OPM t.o
commence pflyments to the Alternate Payee in accordance with the terms of the DRO,
DRO
Page 3
9, The Alternate Payee is awarded the maximum possible fonusr spouse survivor armuity
unde:' the Civil Service Rcdrement System, 'rilis formr'r spouBe s\lrvivor annuity applie~ if th~
Participant dies before his benefits r:ommence of ifthe ParJicipant dies after his benefits
commence, The costs associated with providing this forme:' spouse survivor annuity coverage
shall not be deducted from the Alternate Payee's benefit. but shall be deducted solely from the
Participant's benefits. Participant. agrees to t.ake all necessary steps t.o eJeCT. Alternate Payee as
designated beneficiary for the' purposes of establishing and sust.aining such former spouse
coverage fo:' Alternate !)ayee.
10, If Part.icipant leaves Federal service before retirement and applies for a refund of'
employee contributions under the PIal", the lllternate Payee shall be entitled to a pro rata share of
such employee contributions, The maniage occurred on May 19, 1973, and the separation
occurred on April 22, 1fJ98,
11., In no event shall the Alternate Payee have greater bem,fits or rights other than those
which are available to the Participant. The Alternate Payee is not, entitled to any benefit not
otherwise provided by the Plan. The Alternate Payee is only entitled to the specific benefits
offered by the Plan as provided in this Order. All other rights, privileges and options offered by
the Plan not granted to Alternate Payee are preserved for the Participant.
12. The Plan shall issue individual tax forms to the Partieipant and A.lternate Payee for
amounts paid to each such person,
13, In the event that the Plan inadvertent.ly pays to the Participant any benefits that are
aS$igned t.o the Alternate Payee pursuant. to the terms of this DHO, the Participant shall
immediately Jeimburse the Alt.ernat.e Payee to the extent that he has received such benefit
payments, and shall forthwith pay suoh amount.s so received directly to the Alternate Payee
within ten (10) days of'receipt. In the event. thr, Plan inadvertently pays to the Alternate Payee
any benefits that fire not assigned to her pursuant to the terms of' this DHO, the Alt.ernate Pa)'ee
DRO
Page 4
shall immediately reimburs(, th" Participant. to nw t11:t,(lllt she. has rec~ivod such benefit pa~11lcnts
and shall forthwith pa)' sucb amounts S(I receit'ed dil'OctJ"' to th!: Participant within t.en (0) days
of receipt.
14, In t.h9 event the Purticipant makes a one-time irrevocable eJection to transfer into the
Federal Employees Itetirement Syst.~m ("FERS"! before his retirement., then Alternate Payee shall
be entitled to a portion of the Panicipant's Basle Annuit)' and/or u Refund of employee
contributions under FERS calculated in a malmer similar t.o that which is enumerated in Sections
7, S, 9 and 10 IIbove for the annuity and refund, respectiVe])', and payable directly from FERS,
Additionally, Alternate Payet. shall be entitled to a former Spouse survivor annuity payable under
FERS and determined in a similar manner to the survivor benefits set forth under Section 9
above, Further. such forme]' SpOllse survivor annuity shall be pu)'uble directly from FERS,
15. If Pm-ticipant talws un)' action that. prevents, decreuses, or limits the collection by
Alternate Paye~ of the sums to be paid hereunder, he shall mak~ payments to Alternate Payee
directly in an amount sllfficient to neutralize, as t.o Alternate Payee, the effects of the actions
taken by PartiCipant,
16, Th~ OPM shall noW)' the }lJternate Payee and h~r legalrepresentativt. when the
Participant. makes an flpplicatioll for all)' benefit pa)'ments or withdrawals from the Plan,
17, The Oourt of Common Pleas of OUlnberlancl Count)', Pennsylvania shall retain
jurisdiction to amend this Order, but onl)' fol' the purpose of establishing it or maintaining it as a
Domestic Relations Order, provided, however, that no such amendment shall require the Plan to
provide an)' form of benefit or Elny option not otherwise provided b)' the Plan, and further provide
that no such amendment or right of the Court to so amend will invalidate this Order,
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NANCY J. HIIlSS,
Pldntiff
IN THill COURT 011' COMMON PLIIlAS
CUMBIIlRLAND COUNTY, PENNSYLVANIA
v.
No.
98-2572 CIVIL TIIlRM
CHRISTOPHIIlR Ill. HIIlSS,
Defendant
CIVIL ACTION - LAW
IN DIVORCE
ANSWER
AND NOW comes the defendant, Christopher E. Hess, by and
through his attorney, Thomas D, Gould, and files his answer to
Nancy J. Hess' Complaint under section 3301 of. the Divorce Code.
1, Admitted.
2. Admitted.
3. Admitted.
4. Admitted,
5. Admitted.
6, Admitted.
7, Admitted.
8. Admitted that
marriage is retrieVably broken and h~s been
since 1993.
9. Admitted.
10, Denied that the parties separated on April 22, 1998,
rather the parties separated in 1993,
The exact date will be
ascertained following further investigation.
11. Denied that plaintiff is an injured and innocent spouse.
It is denied that defendant has offered such indignities to the
plaintiff as to render her conditIon intolerable and her life
burdensome. Rather defendant: has been an innocent and injlu'ed
spouse and it was plaintiff who offered such indignities as to make
defendant's condition intolerable and life burdensome, It is
demanded that plaintiff state with the required specificity the
allegations of indignities offered by defendant.
12. Admitted.
13. Admitted.
14. Denied that plaintiff Is unable to support herself
through appropriate employment. 1'0 the contrary, plaintiff is
employed and has refused employment opportunities that would have
increased her wage. Therefore it is averred that plaintiff's
earning capacity is sufficient to provide for her needs and she is
not in need of nor entitled to alimony.
15. Denied that plaintiff lacks suffl.cient property and
income to provide for her reasonable needs. Rather plaintiff has
sufficient property and income to provide for her reasonable needs.
16, Denied that plaintiff does not have sufficient funds to
support herself and pay counsel fees and expenses. Rather
plaintiff has sufficient funds to pay reasonable counsel fees and
any cost associated with her divorce action.
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NANCY J. HESS,
Plaintiff
IN TIlE COUllT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
VB.
CHRISTOPHER E. HESS,
Defendant
NO, 98 - 2572 CIVIL
19
IN DIVOHCE
STATUS SHEET
--_._~----
DATEl
ACTIVI1'IESl
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~ C:olII'ad lVI, Siegel, Il1c,
,/ohn.1. Connolly, Jr" gsq,
li'ebrual'Y 5, 20(H
Puge 2
Tho Oivil Servicll Reth'emont Systom (CSRS) is a defined benofit pension pial!, The figure thllt
is mllrital property for divorco purposos with respect to thl) defined benefit pension plun is the
present vlllue of the pension ollrnod during tht, marriage,
The ponsion bonefit provided by the Civil Servico Retiroment System is basodupon tho finlll
three-year IIvel'llge Ilarnings IInd the yoars of service, An employee may rotiro after IIttaining
age 55 and oompleting 30 years of service, Christopher Boss will be eligible to rotit'e at IIge 55,
Ifhis employment is terminated befol'e age 55, his pension would stllrt. at IIge 62.
Bused upon tho c1l1tll previously doscribed, I detennined that MI'. Hoss had IIcCl'lll1d a mont.hly
pension as of'the date ofsepllration of$I,737, Since this benefit takes Into account 3,05 yeurs
of service before the date of murrillge, it is necessllry to multiply by a "coverture fi'action" in
order to determine the portion of the pension ellrned during the marriage, The numerator of
the "coverture fruction" is 24,93 (the years from the dllte of marriage until the date of
sepuration) and the denominator is 27,fJ8 (tho years in the military service plus the years from
the date first covered under the CSHS until the dllte of'separatlon), Thus, the "coverture
fraction" is ,89 (24,93 divided by 27.98),
The portion ofOhristopher Hess's pension benefit earned during the marriage is $1,546
($1,737 multiplied by ,89),
While Christopher Hess is covered under the Civil Service Hetirement System, he is not
covered for Social Security benefits, In accordance with the Cornbleth vs. Cornbleth decision,
it is necessary to culculat.e whnt his Social Security benefit would have been ifhe had boen
covered for this benefit. On the bus is of the enrnings informution previously indicated and
assuming the previous earnings (since May 1, 1974) increased in accordance with tho increase
in the VB, average salaries and taking into account an appl'Oprillte coverture fraction, the
estimated Social Security benefit attributable to the mnrriage to start at age 62 is $845 per
month for retirement lit age 55, $72!J for retirement at age 60, and $687 per month for
retirement at age 62,
The following table shows the present value of the ponsion eurned during the marriage:
Retirement
A€:e
OSRS
Presen t Val ue of Benefi ts
Earned During Marl'iage___
Social
Security Offset N!!!
55
60
62
$259,137
161,137
131,547
$71,900
62,029
58,456
$187,237
99,108
73,091
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~ Conrad M, Siegel, In(:,
.Iohn J, Conlll,lIy, .Ir" gSl),
1"ebrUlIry Ii, 2001
PURe 3
I WllS nlso I'(ll)uostml to calculatfl the Socilll Security Off sot eliminatinR 10 2/3 years during
whillll time Nnncy Hess had minimal or no ellrninRs for Social Security purposes, This revised
Socinl SecurHy bonefit attributable to the marriage to start at age 62 is $469 per month for
retirement at age uli, $404 per month for retirement at ago 60, and $381 per month for
retirement nt age 62,
The following table shows the present vulue of the pension eUl'ned dUring the marriuge taking
Into account the revised Social Socurity Off.qet:
1i5
60
62
CSR~
$259,1.37
161,137
131,1i47
Presont Value of Benefits
Eal'lleq Durin!! Marrial!e
Revised Social
Securitv Offse~
Net
Ret,irement
&m
$39,906
34,376
33,419
$219,231
126,761
99,128
The Social Security benefit and the pension benefit provided by the Civil Service Retirement
System are indexed, What this menns is that each year the benefit increases in accordance
with the Consumer Price Index, The nbove figures ure based on the assumption that the
Consumer Price Index would increase nt the rate of 3,0% per year, The Consumer Price Index
increased on the average at the rate of Ii, 17% per year over the last 30 years, 4,24% per year
over the last 20 years and 3.00% per year over the last 10 years,
The present value computations have been based upon the assumptions Promulgated by the
Pension Benefit GUaranty Corporation for annuity valuations, 'l'he interest rate is 6,5% per
year for 20 years followed by 6,25% per year, The mortality is in accordanco with the 1983
GI'OUP Annuity Mortality Table,
The calculations in this report are based on the assumption that the prior military service will
be taken into account in calculating Mr. Hoss's pension benefits, This will OCcur if Mr, Hess
had preViously made the military depesit or ifhe is not eligible for Social Security benefits at
age 62,
With best regards,
HML:klld
Yours sincerely,
, '>-~,
IJ"- /11 ,(( (,I t) )
Harry' \ Leister, Jr" F',g,A,
Oons~:llg Actuary
is an important element in showing the date of separation.
To pick an event in the relationship of these parties would
simply be to just pick an event in a continuum of events
that were involved in a marital relationship that was in a
state of decline, none of which would rise to a declaration
that the parties were living ~eparate and apart.
Husband's date of separation is based on
doing some math that he devised that because the parties had
not been in the same bedroom since 1993, that we should go
back to the period when wife left the bedroom in 1993 and
that, again, seems to be an arbitrary date because wife
explained that she left the bedroom because of husband's
snoring and smoking and not because she had said to him or
he had said to her that I think you ought to leave because
we are not living in a marital relationship,
Husband's acceptance of this relationship is
also a factor that the Master considers. He could have
filed a divorce complaint just as easily as wife could have
filed, so that either party could have picked a date in this
relationship to start the proceedings. Both parties,
however, until wife filed, were apparently satisfied to
continue on in this relationship that they had been
tQlerating for many many years. Consequently, the only date
that seems, as the Master has noted, relevant to the date of
separation, is when wife deteqnined that she was going to
"
make a statement to husband that the parties were separated,
and that statement was the actual filing of the divorce
complaint. If wife had not filed, I assume that perhaps the
parties would still be living in the same relationship that
they were living in prior to April of 1998.
It does not appear that aside from their
sleeping arrangements that the financial arrangements
changed since 1993 to the date of the filing of the
complaint and that is one of the factors the Master can look
at in determining whether or not the parties are living
separate lives, There was a certain separateness about this
relationship but the separateness seemed to be an emotional
separation which does not constitute a total marital
separation and, again, for the Court to pick a point at
which the emotional separation occurred on a particular
date, which then translated to a date where the parties were
living separate and apart would be impossible, Other events
were needed, like a statement from one to the other, a
physical separation from the house, or, as occurred, the
filing of a divorce complaint.
Consequently, the Master will recommend in
his report that is ultimately filed, that he will find that
the parties separated on April 22, 1998,
NANCY J. HESS,
Plaintiff
IN THE COURT OF' COMMON PI,EAS OF
CUMBERLAND COUNTY, PENNS nVANIA
Vs.
NO. 98 - 2572 CIVIL
CHRISTOPHER E. HESS,
Defendant
IN DIVORCE:
RE:
Pre-Hearing Conference Memorandum
DATE:
Tuesday, October 24, 2000
Present for the Plaintiff, Nancy J. Hess, is
attorney John J. Connelly, Jr., and present for the Defendant,
Christopher E. Hess, is attorney Thomas [), Gould.
This action was conunenced by the filing of a
divorce complaint on May 5, 1998, raising grounds for divorce
of irretrievable breakdown of the marriage and indignities.
The parties will sign affidavits of consent and waivers of
notice of intention to request entry of divorce decree so that
the divorce can be concluded under Section 3301(c) of the
Domestic Relations Code,
The complaint also raised the economic claims
of equitable distribution, alimony, alimony pendente lite, and
counsel fees and expenses. Counsel reserve the right to
offer testimony regarding the factor of marital misconduct
which specifically w0uld deal with the alleged extra marital
relationship which husband had prior to April 22, 1998.
The parties were married on May 19, 1973, and
following a hearing on April 13, 2000, dealing with the issue
of the date of separation, the Master found that the parties
separated on April 22, 1998. The Master notes that in his
remarks following the hearing, he tied the date of separation
in with the date of the filing of the divorce complaint; to be
accurate the complaint as previously noted in this memorandum
was filed on May 5, 1998, wife having signed the complaint on
April 22, 1998. In any event, husband does not agree with the
Master's finding, whether it be in April or May 1998, as the
date of separation.
The parties have two children, the older
child is in college and the younger child lives with the
mother.
Wife is 52 years of age and resides at 1106
Allen Street, New Cumberland, Pennsylvania. She is a high
school grO\duate and works in the office for D'Angelo Realty in
New Cumberland, Pennsylvania, Her income is at the rate of
$12.35 per hour and her counsel advises that she works
approximately 35 hours per week. Wife is directed to file an
income and expense at least a month prior to the hearing to be
scheduled in these proceedings. Wife has raised no health
issues, She receives spousal support in the amount of
$275.00 per month and support for the minor child liVing with
her in the amount of $500.00 per month. Counsel are also
going to determine the cost t.o wife of COBRA benefits since
she will not have healt.h insurance available upon t.he entry of
a divorce decree through husband's employer except. through the
COBRA benefits. The amount of the spousal and child support
is not based on any calculations done by the Domestic
Relations Office but rather by agreement of the parties.
Husband is 53 years of age and resides at
923A West Trindle Road, Mechanicsburg, Pennsylvania, where he
lives alone. He is a high school graduate and works as a
technician with the department of defense in Mechanicsburg,
Pennsylvania, His net income every two weeks is $1,220.00.
Husband is required, as is wife, to file an income and expense
statement at least a month prior to the hearing in these
proceedings, Husband has not raised any health issues,
The parties own real estate where wife is
residing at 1108 Allen Street, New Cumberland, Pennsylvania,
which was appraised on february 5, 1999, showing a market
value of $80,000.00. Counsel intend to have t.he appraisal
updated and also with that update, to have the appraiser give
an opinion as to rental value, The home is not subject to any
mortgage liens. Wife has indicated that she wants to remain
in the house.
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Each of the parties have an IRA wi th ~'idelity
and statements are to be provided as are stat.ements for the
checking and savings accounts with fulton Bank and PNC Bank.
Counsel are asked to provide a spreadsheet when they come to
the hearing Showing the values that. each ascribes to those
particular accounts.
The parties owned 32 savings bonds and
husband received the value of those bonds in the amount of
$2,150.45. Mr. Connelly indicated that the savings bond
proceeds were put into an account which is being held by
husband and that account balance should be updated to show a
current value as of the date of the hearing.
The parties own 2000 shares of Bio Control
Tech Stock and counsel are going to value that stock as of the
date of hearing, The value should be included on the
spreadsheet as should the increase in value of the Hershey
Food Stock. Counsel havo lndlcated that 15 shares were
premarital and 75 shares Wero marital and the difference is
the value of the promarital stock as opposed to what the stock
is trading for at the time of the hearing for the 90 shares.
The value of the 15 shares of stock, as of the date of
acqUisItion, was $643.13,
The partles own a 1987 Ford Taurus which wife
has valued at $3,900.00 and husband at $1,500.00. Husband has
valued the 1975 Yamaha motorcycle at $400.00 and the 1979
Honda motorcycle at $ 600.00, WHe does not have an opinion
as to the value of the motorcycles. There is an issue with
regard to the acqUisition of a 1995 Ford Thunderbird vehicle.
HUsband claims that wife agreed to pay her mother $5,000.00
for the vehicle. Wife, on the other hand, says the vehicle
was a gift to her and that she had no obllgation to pay her
mother any sum of money for the vehicle, It is noted that
husband has valued the vehicle on his pretrial statement at
$9,000.00.
HUsband is a participant in the CERS pension
through his employment, Both parties have had the pension
appraised and values have been suggested for retirement age at
55, 60 and 62. In addition, there is an issue with regard to
the amount/ if any, of the social security value that should
be deducted from the pension as well as the value of the
survivor benefit which wife will receive. Further there is a
question about whether or not husband should be required to
buy back his mllitary time to add to the value of the pension
which would cost approximately $1,800.00.
Wife claims that husband withdrew $17,000.00
in cash from the cheCking account and Mr. Connelly indicates
that he has copies of the checks to provide to Mr, Gould.
Wife claims that she has no idea what the monies were used for
and that husband received the total and full benefit of those
funds. Husband will have an opportunity to respond to that
allegation after he has had a chance to review the checks.
Mr. Gould has also asked that wife provide to husband copies
of all checks withdrawn from accounts by wife. Wife has
requested four years of cheeks, from 1995 through 1998. Mr.
Gould has requested checks that wife has written from the
accounts for the same years. Mr. Gould states that his
client put his money into the joint CheCking account but wife
retained all of her earnings from her employment for the years
that she was employed and never contributed any funds to the
Joint checking account, retaining those funds solely for her
own Use or as wife may Claim the use of the marital home and
the estate. Mr. Connelly did indicate that his client has a
savings account to which she made contributions.
Husband has estimated that the value of the
household tangible personal property is $7,500.00. Wife has
not suggested a value. Counsel are going to have the
household property appraised,
The parties have no marital debt.
I am going to ask each counsel to go on the
record to state how they intend to approach the pension issues
with regard to their experts who will be asked to testify at
the first day of hearing, Mr. Connelly.
MR. CONNELLY: I'm going to re-contact Harry
Leister and have him do a calculation for age 60, which will
take into account the military buy back. The social security
offset, based on benefits, my client will not have available,
as well as the adJustment for age 60 which we do not have a
report on at present,
He will also be prepared to testify as to the
monthly benefit received by Mr, Hess at age 55 and at age 60,
the two separate dates for the reports.
THE MASTER: Mr, Gould.
MR, GOULD: Once again, depending on what Mr.
Leister's report comes back as, we may be able to stipulate or
limit the issues for the appraisers -- for the valuation of
the appraisals, the pension, because the numbers may be very
similar except one or two issues and that is what we can limit
the testimony of the appraisers to.
testified about?
THE MASTER: What issues do you see to be
MR. GOULD: There may be an issue regarding
the value of the social security offset, whether we strictly
use what the value of her social security is or what the
deemed value of his social security offset.
(A discussion was held off the record.)
MR. CONNELLY: My understanding from Mr.
Leister's report was that the military buy back is unnecessary
if Mr. Hess is ineligible for social security benefits. Mr.
Gould indicated, at the time of our conference, that that is
not accurate, I intend to clear up that issue for testimony
being presented. At this point, there is an allegation that
Wife's gross income is $370.50 per week, Her deductions total
$86.04, Her net pay is $279,09. However it should be noted that
Wife received nearly $5,000,00 in 1999 as a tax rofund due to her
filing status and earned income credit, Therefor her actual weekly
net pay is $330,00, No unusual expenses.
'I. Pension: Husband's pensIon has been valued by Pension
AppraIsers, Inc.. It is unknown whether Wife has a ponsi.on, No
fi.nancial/asset informati.on has ever been provided by Wife,
Husband objects to the appraised value of his pensi.on as determi.ned
by Wife's appraiser.
8. Attorney fe.s: No claim is ant.Lcipated unless Wife
unreasonably delays or complicates thi.s action.
9. Tangible personal property has been included in the
Assets of the parties, Total $'1,500.00, with $5,000.00 allocated
to Wife and $2,500,00 allocat.ed to Husband. If the value is
disputed, an appraIsal will be conducted.
10, Debts: Nono
11. The followIng is a proposed resolution of the economi.c
issues:
a, Each of the part.ies would retaIn the personal
property currently in their possession, ($5,000.00 value for Wife
and $2,500.00 value for Husband)
b. Wife would retain t.he marItal home in fee simple.
($80,000.00 value for Wife)
c. Wife would retain her 1995 Ford Thunderbird.
($9,000.00 value for Wife)
d. Husband would retaIn his 1987 Ford Tarus, 1975
Yamaha MC and 19'19 Honda MC, ($2,500,00 value for Husband)
e. Wife would relain her IRA and Husband ~'ould transfer
$B,580,OO from hIs IRA to Wi.fe, (Approx $15,580.58 value for Wife)
f. Husband would retai.n the funds in his HarrIs Savings
account which originated from the redemption of marital Series E
bonds. ($2,150,45 value for Husband)
g. Husband would retai.n his 90 shares of Hershey stock,
($4,482.90 - $643.13 m $3,839,7'1 value to Husband)
i, Husband would keep his BioControl Technology stock
($350.00 value to HUSband)
j. Husband would retain his Federal pension,
($62,377.35 value for Husband)
k. Each party would be responsible for his/her. own
attorney fees and costs.
11, Defendant'. Propo.al
The value of the marital assets total approximately
$184,000,00. Husband's offer gives Wife $109,580,58 or nearly 60%
of the marital assets. Both parties have been employed over the
past several years. Husband has been employed by the Federal
government and earns $45,708.00 per year, Wife has been employed
as an Office Manager with D' Angelo Realty Group, Inc. earning
$12.35 per hour, Over the past several years Wife has voluntarily
limited her hours to 30 hours per week, Initially Wife had limited
her hours to be available for her minor children. The parties'
children are now 17 and 16 years of age. The 17-year-old has
graduated from high school. Both children are employed. Wife has
stated an intent to work full-time and seek he.r reai estate
license. It is anticipated that her income will substantially
increase. Husband is constantly subjected to a potential RIF.
Currently Husband is paying Wife $700.00 per month for child
support and $200.00 for spousal support. The marital home has no
mortgage. There are no marital debts, Wife's vehicle has no lien.
Wife has sufficient income to support herself in the standard
established during the marriage. No alimony would be appropriate.
Husband would retain his stocks and his pension. Wife would
leave the marriage with her IRA, Husband's IRA, the fully furnished
marital home and the 1995 Ford Thunderbird, The largest portion of
Husband's "equitableH share of the marital assets will be realized
only upon retirement. Wife's "equitableH share is available for
her immediate disposition and control. In addition, she would have
a substantial IRA to assist her as she advances towards retirement.
Respectively submitted,
-"x",.,.. /), ~
Thomas D. Gould
Attorney for Defendant
1D #36508
2 East Main Street
Shiremanstown, PA 17011
('717) 731-1461
KNOWN ASSETS OF PARTIES
Christopher E. Hess marks on the list below those items
appl.i.cable to the case at bar and itemizes the assets on the
fOllowing pages. If an item has been appraised, a copy of the
appraised report is attached.
x
X
X
X
X
X
( )
( )
(X )
( )
( )
( )
(
(
(X )
( )
( )
( )
( )
(X )
(X )
( )
1. Real property
2, Motor vehicles
3. Stocks, bonds, securities and options
4, Certificates of deposit
5. Checking accounts, cash
6. Savings accounts, money market and savings
certificates
7, Contents of safe deposit boxes
8. Trusts
9. Life Insurance policies (indicat.e face value, cash
surrender value, and current beneficiaries)
10. Annuities
11. Gifts
12. Inheritances
13. Patents, copyrIght.s, inventions, royalties
14. Personal property outside the home
15. Businesses (list all owners, including percentage
of ownership, and officer/director positions held
by a party with company)
16. Employment termination benefits-severance pay,
workman's compensation Claim/award
17. Profit Sharing plans
18. Pension plans (indicate employee contributions and
date plan vests)
19. Retirement plan, Individual Retirement Accounts
20. Disability payments
21. Litigation claims (matured and unmatured)
22. MilitarY/V,A. benefits
23. Education benefits
24. Debts due, including loans, mortgages held
25. Household furnishings and personalty
26. Other
MARITAL PROPERTY
DE:l.cE:NDANT LIS'I'S ALL MARITAL PROl'E:R'!'Y IN WHICH E:ITHER OR BOTH
SPOUSES HAVE A LEGAL OR E:QUITABLE INTEREST INDIVIDUALLY OR WITH ANY
o'rHER P8RSON AS OF' '1'111': DATI': Oi" SE:PAHATION OF' THE PAHTmS, (Master's
suggested date of April 22, 1998):
DE:SCRI PTION
OF PROPE:HTY
NAMES OF
All OWNEHS
VALUE
VALUATION
DATE
. ADDI'rrONAL
INFORMATION
LIE:NS OR
ENCUMBRANCE:S
ITEM
NO, 1
ITEM
NO. 2
Madtal Home
1108 Allen Street
New Cumberland, PA
Motor Vehicles
1987 F'ord Tarus
1995 Ford ThunderbIrd
1975 Yamaha 100 MC
1979 Honda 400 MC
Christopher E. Hess
and Nancy J. Hess
Christopher E, Hess
1987 Ford TanIS
1975 Yamaha 100 MC
1979 Honda 400 Me
Nancy J. Hess
1995 Ford Thunderbird
$80,000.00
1987 'l'arus .- $1,500
1975 Yamaha ~ $ 400
1979 Honda - $ 600
1995 Ford ~ $9,000
Jun8 2000
02/05/99
Purchased in 1975
No mortgage. Wife has
had sole possession
since July 15, 1999.
None
None on any ve~icle
....--'.-----.--.-----..
~.
DEPARTMENT OF DEFENSE
CIVILIAN LEAVE AND EARNINGS STATEMENT
05/05/00
FED
PA
rttla'
S
M
''''''''',0''''
~OO~
,I... ""...a,hUt"'_, '*"'IlI..,\. "'I' It fdlO 0' hr.
OS 1105 23,30 21,35
N_____
II \tiU\"~ ... ,. ...." ~"I'~O" I >I I~' ....,. III ....III \'''v, Jd" h"
5,78 ! 01/01110 240
I""".........""'......"...'" -r'.......".,'''''"...."..,,''
II~~ 1,:~~....~'70.;r--;0i\ h..,loO ~iJ'..otr;- '~I/"I~..'".._.. It
421080 S HAMPDEN TS PA CSRS:
1''-''''11
05/12100
1""""
HESS CHRISTOPHER E
I....,....,
~".\,h ~Ol
. IoM,U"IlI
202-35-3108
45/08,00
3000,00
..o~.,,, .....e
48807,OC
--
II ~hd .........
1,I1,"''''''l1.\,'''''''\j''0f0j....1 '..
01/13/01
HARRIS SAVINOS 8ANK
II '''''
"'\'" u~,.,
QQQI,21
I' CUUINT YI"'~ TO D"'U "
GROSS PAY IS 11.1.0 18215, /0
TAXAIL I W Aan 1811. 20 182H, /0
NONTAXABlE WAalS
TAX OIPIRRIO WAalS
01 DUCT! ONS ll80,4Q 10QIQ,/1
AIlC
NIT PAY 110,11 7215,Q8
----- ---CURRENT EARNINGS
T'fpll MOUIU/D... 'fS AMOUNT TYII' HOUU/OA.YS .4MOUNT T'fl" HOUlS/D4VS
REGULAR PAY 80,00 1871./0
A1110UNT
DEDUCTIONS
nlll 0001 CU~~ENT yu~ TO DHI T'1111 COOl CURAlNT 'fUR TO DHI
CHLD SUP,GRN 50Q,88 5028,J7 FEOLt CO 7, Q 1 77 ,57
FEGLl OPTNL 40,/0 FEfl8 101 85,78 553,34
MEDICARE 2 1,13 254,10 nOIRE, CSRS I 138,47 1348,27
80NO 10,00 TAX, FEDERAL 33Q,24 2842,58
TAX, LOCAL 421080 lJ,71 18/,57 TAX,LOC OCC 4/1080 10,00
TAX. STATE PA 5/,39 511. 1/
LEA VE
TVI'I' PRfOR 'f~ A.OORUIO 40l1RUIO USlD uUa DOH... TI 0/ DUl41NT
ULA.NOI 1'4'1 110 no 1'4'( ;aD 110 RI rUAHIO UL.4NOI
ANNUAL 240,00 8,00 72,00 3,00 3,00 JOQ,OO
SICK 1086,00 4,00 35,00 10,00 105,00 1017,00
TIME OFF AWO /4,00 16,00 8,00
riOL! OA Y 1&,00
AOMIN 5,00
REMARKS
ENROLL IN TSP - OEADLINE 31 JUL
BUY US SAVINGS BONOS
NATIONAL ASIAN-PACIFIC AMERICAN HERITAGE OBSERVANCE IS MAY I . 31, 2000
CONTACT YOUR CUSTOMER SERVICE REPRESENTATIVE FOR INFOnMATION ON THE NEW SERIES I BONOS
PLEASE CUSTOMIZE YOUR TEMPORARY EIMSS PIN, IF YOU OlD NOT RECEIVE A PIN CALL 800-3QO-2348,
,...."......,...".".".."...,.....",....""",....."",...,."....."....,.....,,,...,...,....,,..,,....,,,.,.........,.,""".....,.""."""...,.."..,.,,,..,,,,,,.
r 1Mlt "I'Olllt :Olrtu'l/rtt i/rtjlO""'ArIO/rt ~U'l'C" "0 n'l' ~IlIIV"-C';' .a.cr ?j1 "'" .a.t 4"'/t010
."........,...,.,"',.,,,........,..,.,,,,.,,............,."......."...,...............,.."..",........".."........,;"......"".,..""..,.,.,..."""",,,..,,,,,,,.'
".......11_11'I'
1\ .
PENSION APPRAISERS INC.
P,O, Box U96 . Allentown, PA 18105.U96
1-8004Ii.0084 . F'a,x 61O-i70.9342
May 5, 2000
Thomas D, Gould, Esq,
2 East Main Street
Shlremanstown, Pennsylvania 17011
RE: Present Value of Christopher E, Hess' Defined Pension Benefit
File No, 05-01-00-005-11958
Dear Attorney Gould:
We have determined by the PBGC Actuarial and Mortality Table Method the present value of
Christopher E, Hess' defined pension benefit of $1,472,00 per month payable at age 60
adjusted for a hypothetical Social Security pension benefit of 5572,51 per month payable at
age 62 to be $72,468,75, This valuation was developed and prepared In conformity with the
requirements of the Actuarial Standards of Practice No, 34, These Standards were developed
by the Pension Committee of the Actuarial Standards Board of the American Academy of
Actuaries, The purpose is to set standards for Members and Other Persons Interested In
Actuarial Practice Concerning Retirement Plan Benefits in Domestic Relations Actions,
BIRTH DATE: November 2,1947
MARRIAGE DATE: May 19,1973
V ALUA TION DATE: May 5, 2000
SEX: Male
PENSION PLAN: Civil Service Retirement System
DATE EMPLOYMENT STARTED: April 22, 1974
(Assumed date pension holder began participation In the plan)
DATE BENEFITS STOPPED ACCRUING: May 31,1998
(Assumed date pension holder ended participation In the plan)
ASSUMED DATE MARRIAGE ENDED: April 22, 1998
AGE WHEN BENEFITS COMMENCE: 60 Years
"Valuators of Defined Pension Bene/Its for Equitable Distribution"
May 5, 2000
Christopher Hess. File #05-01-00-005-11958
Page 4
ESTIMATE OF HYPOTHETICAL MONTHLY SOCIAL SECURITY BENEFIT
Step #1: Calculate theTotallndexed Earnings for determining the Hypothetical
Social Security Benefits,
MAXIMUM EARNINGS
COVERED BY
Y.5AB SOCIAL SECURITY
1959 54,600,00
1960 54,600,00
1961 54,600,00
1962 54,600,00
1963 54,600,00
1964 54,600,00
1965 54,600,00
1966 56,600,00
1967 56,600,00
1968 57,600,00
1989 57,600.00
1970 57,800,00
1971 57,600.00
1972 S9,000,00
1973 510,800,00
1974 513,200,00
1975 514,100,00
1976 515,300,00
1977 516,500,00
1976 517,700,00
1979 522,900,00
1980 525,900,00
1981 529,700,00
1982 532,400,00
1983 535,700,00
1984 537,600.00
.1985 539,600.00
1986 542,000,00
1987 543,800,00
1988 545,000,00
1989 548,000,00
1990 551,300,00
1991 553,400,00
1992 555,500,00
1993 557,600,00
1994 580,600,00
1995 581,200,00
1996 562.100.00
1997 565,400,00
1998 566,400,00
1999 572,600,00
2000 576,200,00
TOlal Indexed Earnlnga
ESTIMA rED
EARNINGS
HISTORY
50,00
50,00
50,00
50,00
50,00
50,00
SO,OO
50,00
SO.OO
50.00
50,00
50.00
50.00
SO.OO
50.00
52,55750
56.053,64
59,466,00
510,230,00
510,974.00
514,196.00
516,056,00
516,414.00
520,088.00
522,134.00
523,436.00
524,552.00
526,040,00
528,144.00
526,142,00
529,263,00
531,195.00
532,493,00
535,166,00
535,999.00
537,265,00
538,392,00
539,216,00
540,790,00
513,053,35
50,00
50,00
1998
FACTOR
6,7207583
6,4669636
6.3409400
6.0365655
5.6940236
5.6626066
5,5624506
5,2474706
4.9705952
4.6509361
4.3968367
4.1889581
39885.158
3.6325521
3.4166482
3.2268303
3,0024493
2.8086443
2.6498348
2,4548907
2.2574145
2,0708821
1.8814864
1.7833111
1. 7004719
1.6060606
1.5404301
1.4960264
1,4063379
1.3403251
1.2692776
1,2323533
1.1680766
1. 1296636
1,1202295
1.0909494
1.0489054
1.0000000
1,0000000
1,0000000
1,0000000
1,0000000
ESTlMA rED
INOF.XEO
EARNING~
50,00
SO,OO
50,00
50,00
50.00
SO,OO
SO,OO
$0,00
50.00
50.00
50.00
50.00
50.00
50.00
SO,OO
58,252.62
518,176,33
526,642.80
527,107,81
526,939.97
532,050,77
533,254.22
534,645.69
535,623,15
537,638,25
S37,639,64
537,820.64
538,956,53
539,579,97
537,719,43
537,726,13
538,443,26
536,604.25
539,735,05
540,327.14
540,654.23
540,269,56
539,216,00
540,790,00
513,053,35
50,00
50,00
5841,068,81
.
1\ .
PENSION APPRAISERS INC.
),,0, Box ,1:396 · ..\1I('nlo\\'II, P..\ 18105-4396
1-1100.oj.17 -0084 . Fllx 610- 770-9342
E-~I..\IL: p~lIl1pp@penglonllpprlllsers,coll1
'''WW: hllP://\\1IW,pcnslonllpprlllsers,com
May 8, 2000
Thomas D, Gould, Esq,
2 East Main Street
Shiremanstown, Pennsylvania 17011
RE: Present Value of Mrs, Hess' Survivor 8eneflt
File No. 05-05-00-063.125358
Dear Attorney Gould:
We have determined the present value of Mrs, Hess' survivor benefit by the PBGe Actuarial
and Mortality Table Method as of May 5, 2000 to be $10,411.68, This valuation was
developed and prepared In conformity with the requirements of the Actuarial Standards of
Practice No, 34, These Standards were developed by the Pension Committee of the
Actuarial Standards Board of the American Academy of Actuaries, The purpose is to set
standards for Members and Other Persons Interested In Actuarial Practice Concerning
Retirement Plan Benefits in Domestic Relations Actions,
BIRTH DA 1'E: August 16, 1948
SEX: Female
MARRIAGE DATE: May 19,1973
VALUATION DATE: May 5, 2000
PENSION PLAN: Civil Service Retirement System
AGE WHEN BENEFITS COMMENCE: 79,82 Years (Age on June 11, 2028)
(Mrs, Hess' age on Mr, Christopher Hess' expected death on June 11, 2028
(Age 80,61) based upon Life Expectancy and the application of the 1983 Group
Annuity Mortality Tables,]
MORTALITY TABLES AND INTEREST RATES:
Mortality Tables (1983 Group Annuity Mortality Tables), Interest Rates and Factors
used by the Pension Benellt Guaranty Corporation to determine the present value of
annLlltles for single-employer plans,
"V'!luators of Defined Pension Benefits for Equitable Distribution"
MAl, -jb UUII~LI IJ:~J
u.'\.\IL~ ~1\llltl UvKhl.\ !i. l<U,IIILLLl
ILL: I
Employer: p , ,., n II I! 1 0 rl t illt y G r 0 U P I r n P .
...
dkt;'7)
eeL
Ctl")
'.
(:hlltll< If I~UflU IU!'r1ttl' i~: ( ) Iimpl+lYUUllll LMi'Iull\ ( ) h,~,rt\1! ^~Ir1,,:t~ ( Xlllrl'l~l(1YH\lIIU IH111 1111\'1011 hl,'ullllll' I'm 1111, ft:llIW,
l'l,u~ j~ppl) ).ur f',d..., &m~loytr ldcmlti,,"on Numb.r:
---...-~~.~
Re:
SSN:
NANCY:l H~SS
190-4Q-4427
DOB: 8-16-48
EARN1NGS R~POR'I:
PACSES Case No,:
.14UI)10B
Furnish Eammg11llformAllon for Ille above.named employ.. fOI 'ach !lay ptrimlllurWg dl' laSlllx (6) monrlls,
II U prefcl'I'od Ih~t YOll anach a pholocopy of YOllr leCOrQS conlaillllls Ihe eamlllgs lnJ'ormallao reqlloued, Altllcll
n .opy of lb. 'lIIployllO'S mOil recenl W.2 Form. .
Payrl,lI/Id :-IlImb.r: NaNlO of Employmem: See I' '" t a I' y
Employe. AdclrfiS: 11 0 8 A 11 enS t . I N e w Cum b ~ r 1 0 n d P A 1 707 0
Dalo of Hire: J ~ n 2 ii, 1993 Lasl dAy wOlkodliornlinal~d:
--
Ruson:
CoIl b.ck dill:
F1I1Hinle:
Pm"rlme:
Oro," hOllrly nla; $
12.35
Pay cycle: ) ~lunthly () Semi.Monrhly () Ill-Weekly ( X) Weekly
IpiyrOIlP.rlodEndlnC 4-20-00 ~~06-00 ~3~30-00 r )-i;~-~O ~:~-II
Dale OIP~y i 4-27-00 ! 4-20-00 T4-11~-00 4-06-00 3.30. T ~_?,_O() II
010~9 Pal' 370,50 .J2?O,50 370,50 1370.50 370.50 l 370,50
I ~._.---l----11
D~~~:~~n~llbllOIQUlg 49,00 l 49,00 49,00 49,00 I~ lf9.~G.00 --11
f~ ""~ ~'"'.. '2.97 I"." '",7 "." 1 "." ,,,,7 I
Loc.IWaaoT~K 3,70 I 3.70 I 3,70 ),70 t 3.70
,I $uolOlncollleTIIlI: ~I lD..,37__~.3711 10,)7 'I ]o.~711fJ,)7
Retiremllll I
l Savings Bon<ls L - [.-L
i ~ I I
r
219,09
30
279,09
I 30
279,09
30
110 3'-11
~ 1-. II
-t- ;
--1
I 5,)71
1279 051~1
I 30 :
1-. ......-J I
Crodlt Union
Lifo InsllrlUlO.
F!eullh Iosllrunc.
NOli Pay
Houts Workod
5,37 5.37
1-;;;,;-1179,09
I 30 L 30
5,37
~ 5.37
I Otllor (Specily)
Olhor MIO DICARf;
I verify Ihal thl Sl.lllemClll.9 ItU\dol in lhli Earnings Reporl arl mill and C0ll'00t, I undersllnd that false Slalomlnt!
herein lll'e subj."l to Iho orimirul pllllllcios al 18 POI, C ,$, ~ 4904, reladllK 10 unsworn falslflcadon co aUlhorilias,
Signed by: ___,
Dalo;
Position:
Pos- : of 4
FOllll IN.015
Wor~r lP
Serville Typo
I "roplfty: .~Q- !!.dY~r'llql1'(,\rqnnWl1tdl C(ll](liU(,ns
P"ddl,MlcPolm'106.93
Ridge Marketing Associates
Propor1y Desorlption
UNIFORM RESIDENTIAL APPRAISAL REPORT
FUo No. ~n"~06
~t
I
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N'illhll_O,t)oqq(l(,rr9jlcl N~1TI1 11\)\/ CU!1'fJ\)! l<ln(lll;Jro\l~h
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~ilm!'A lip_Gq(jeltlQ'IQ
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h~'l'..r J011l Il,~ h~u' 1,;~'II.H tlIIIOi.,I,ltulttmlnltl /llIll': IIw)."n
Ctlri-ql."l'ht!r f (11111/1111'( I If.):!;" (h;cuP"'ll G]ownl' Dr~n.rH,OV,q"ll
l'fOllcl rYIII 0 f'U[) 0 {;orlllurni,\iljfll IHlJDIV"- l'nlyl H(l^. II/A IMo,
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tluc'II'II,mllnd 'Irnolml ullolnchl'IlIl"FlJfu;Ulinnt '0 hi Jlli'l hy IIHotl
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t21 J.em,lf1\'It'I\'le ILIl'rl:II'llri PI\ ]-/112 '/1_"'0_
LnOltion
Alldrt..
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2515% Vndlr 25%
51~bll SlaIY
SIlIbie {llol,nlflll
Inllalllnel 0'111 'tlllfll~
Con\m.rcllll
V,blln
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NIlllhbo,hood boundl,iu Ind chl'lellrilllol: rt]l) ~\l[!jl!f;t; (~ t},lllf!'i1d by .Ill. hlJe
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Plclon Ih'l 1"101 Ihl m"~IIlIbihly 011111 prOpln'" ifl th" ll"ill~lbo'hllOd (pro~'milv to Implo'l'm'nl Inu Im'lliliu. .nlploym~nl'Illlihly, IpPIII to ml,k", Ila,l'
_1[lL!j\,l_gjtl9~ .~L1Q~~.t.e{Llrl !!_HSj,d.Q!llltll.,_lt_C\L<lll"')I1/) f'[opertj{)_q.of .~l~IJ\'H .5iyJ_~__(lnd JIlMkflt dW(!<lILu.H<),l1e~ .In_.the ~r.esL,-tI,f'"m(i\nt!H(l(Jd .~ll(Lpg~lJPiq(!.._ _AU..
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IM(kl'.ti!~Ui_ty,
Mllkll oondilion_ in Ihl u,bjlot n.lllhbarhood (,noiU(!lnu IllPporl 101 Ih. IboVI concl<ni<llll '.','lld 10 Ihl ',.nd 01 plOPlrlV Vllu.., dlmlnd/~\jp'II~. Ind mlrk.tln" IIml , . , Ull)h ~t dll. on
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i
~ lnf........ '01 ruo. II' IpplrelbllHI Ihl d.~llopll/buildll' in conl,ol 01 Ih. ffoml Ownlrl' Auooiation IHOAi/~YU lJ No
I\pp'o~lml'eloll! n\jmbel 0' uniltln Ih.. lubjlGI plojlel ll/!i A"p,o~lmal" lolel numb" of unilll"r nil inlhe 'tlbj,el p'ojlcl rUA___
Ouctiblcornmon Itemlnlt and /IGIUlionl! flloil!lin: ~111\
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Lftndscnplng !\'{f;.fNjQ 9:f_MQ(l_
(l'i~~w.'( ~\""ce AWI!<llt_
"pplleM Eallm.nt~ rlQDI:_ Appjr~nt,.
[1] N,
0111'11111
DflolOning
m
UtIide, Public Other Off-lilt.
ImprClvelMnta
Electricity ~ f}O_Amp Stroet Mph~tlt
Gas Curb/Gutter C9flLJt:tQ
Water SIdewalk Co~_qetc FEMA Special f1ooe! Hazard Area 0 Yes [U No
Sanltnry Sewer Stroot lights H'ncury V!wi:r FEMA Zono r. Map DatoUHLn
Sl!1t!1L$oWO[ . - Allov _n '~piHI( f~MA MORN., 1?O],U. .. _....__.
COll1mlnll(IPPlr.nt IdVQI" IUlmlnll, IncrO'Ohmlnll, Ipec,.,IIIUUmftnll, Illde ,rul. illeUl1 Of IlgII nonconlo'rning laning, lUI, Ilc.l: J'heH' .\1((LJiIJ (\P1!i!Illfll, i1.tl'lfH!H~ .f}<1,'HH!I.QJ1tS QL___
TYl10
Public
Private
~... ~
_.et!~{Qit~hJJl.qnt$~ .__ThL~J!Wl~t. dO.~$, flQL_i!PP!1~t ,~Q_J_ir;_ ~n !! _HMA .lj~$_i~!hJl,e(LL\()Q<I ~Vn\: \
I
I
GENERAL DESCRIPTION EXTERIOR DESCRIPTION
No, of Units L Foundation ~Ql]q!J:~Q J;lloG__
No, of Stories t_____ Exterior Walls ~(lr.K I MUm_
Type(Det.!AIt,)p~Jtc_h_fi:Q.__ Roof Surface CI)!l\PQilUQn~_
Design (Style) S2lit:k~xfJ.L Gtlltll' &. DWnlpt' '{e_s_
E~iUingIP/opo..d ~!'ti~tirEL. _____ Window Type lQ'lr!l€! I~ill~.
Age (Yrs.) 1L_~ Storm/Screens '(Ql
IIICliYI A I Yrl. 20 Mln\!.!IOllllldHouullo
Un~nown
FOUNDATION
Slab rln__
Crawl Space r~mtill
Basement f'iJH ii\ (
Slimp Pump tis'
Dampness !L? K'wltJf\<;Q
Settlemenl IIQ I:'lldf;'n~e
I 0 Ion 110 F.'lidcn<:tJ
D~on. Fomllv Rm, Rec, Rm,
BASEMENT
Area Sq, Ft.
% Finished
Coiling
Walls
Floor
Outside Entry llo
INSULA TlON
RllOf
Coiling
Well,
Floor
None
)90____
\1___
,H~t__
Un~ng~fl.___
Ufl~n_Q.il'n .
!1Q.n~_
Coni;r~tq BJQC;~,
(;(l[\Gr~t_l!__
.~ AQ.QMS..
.e..omonL
II. J...vel. L
OLIWL2
~
Ii:
~
13
Q
.. ~~ fQV"L~ . LIVing.
Dining
Kltohen
e.drooms Le.thL _Loundrv.
.oth.r
~ArOA.aQcEt,
~_;9Q.
.iftlL
__m
l.
Arf;'_c,l___
1
Finished area rade contains: Roo ,. J B droOl ,. 8th 8 . 1 11; S u ro 00 0 00' Ar.
INTERIOR MalllialllCondilion HEATING KITCHEN EQUIP, ATlIC AMENITIES CAR STORAGE
FlOors G'H1-!Qt,Jluyi/f<lif. Type fWI\ Aofrigerulor ~ ~ Flroplooo(s) II Nono 0
Well, QrYI/!ll_l./f.il\1; Fuel G.l~ Rango/Ovon Patio COVf,!\:lJ(1 ~onqQtf) Oftrage , pI CIII
Trim/Finish W0o(LPiJlo_tc:t.l/Ay<./ COfl<li!i.a(1 ~'l{!l~al' Disposal Dock "-Itloh.d
Bath Floor cQiRP_nIQ!J!!iJ COOLING DlsllwllsllOr Porch Oll'ch.d
Ba\hW.inlrol iii)(l~/f<l\ r Contral yt!~ Ffm/I-lood 0 fenco BUilHn
Door9 WO(1(LSta~n~d!~y<.l Othor il,' Mir;rowElvfl Pool Corpor!
Con<lllion 1\'li;r,liU Wailt or Dr or 1
AddiliOnlllolturuh"lciailnl,g'l'llIi'lienlillrn_, 1'0 l;(;J :l.\qtl;( he,n'H,
/!!. Coo,,,''' " "" ,"'""",,,,,,. '"'''''''''' '''''''00', ''''''''"''''. "'" '''''"'''. '"'''' """.d, ""'''' " "''''''''''''. ""'",,,,,,,,,,,,,,,,",. .to. The ""<),,U, (n~J'I'. ',,"\l,a,.
!i Plllh.J.hjL \n~eJ1.QLM(I_I1;H!1.tiQr, 111I:r.i;,[i)US ~igll~_ot (J.:;f~U\)d I1qlnl.Q1W1Gr,W,l~.Qb$r,('{r,(t IW:(\I\I(ng.INul {(''if, _Qut (!')ll,1~L!;.tl;;;'t{lc ~QIVlGQ, _(!~I(rlMf!.t{> l!lllh__'lKtU[e.~I.
:E -"".dt~uJ~mili1LtQ_GQ~U[)il,_SQ9 .1\ttll<;hlJ(! hQrpr, 11l~1't),~tll)f!.fo\q'1f!lIJI'Hl;'1 i~t,.An ~~t,lnHt;1;{!. GI.)_'g tQ .C\I!'lJ i$ _/~jl.I%,OQ,
:s
o
u
Ady.,,, IrWlrOnnllnll1 oourlil,onl 11\loh n, bUI nollimilld Ill, h"urdoul Will.., lO~lll lubUlnnu, IIG,) "'flint in Ihl irnflWVlmlnlt,
'tier€! C)tlserlll'rJ dttl!li t ifl1f! of in~ll)(!~t, iOIl.
onlh.,il.,or l"lhlimmldill.violnlty01 Ih.I\lbllel
Mes, I Oivi_lnn 01 AGI OIY.lopmlnl 1800PiiiY"1711J
fl.". 1012
Flnni. M.. Form 1004 ft.n
Ridge Markellng Alloolalel
UNIFORM RESIDENTIAL APPRAISAL REPORT
File No. SI-206
SUBJ 'C
_rl/A
I
!1I'JpoLtioli
hll,lle ~,~';"l d'i
., ,f!f,,llQ!!l!'JtQtL
ESTIMliTED SITE VALUE, . . . , . , , , . . . , . . , , , . . . . .. "' $
ES'fIMATED REPRODUCTION COST,NEW OF IMPROVEMENTS:
Dwelling l.ll'l Sq, Ft. @ $
~<ltQmJmt__ J.~Q Sq, Ft, @ $
U',lllt-Jn~1 p,Hlo
Ourft{JfilCarport Sq. Ft. @ $
Totnl Estlmlltod CoSI Now
Phvslcol I FUncllOJlIlt I
l.os8 II} ,
Doprnolntiull Je,2'lil
OOllrochHod Vnluo of h"P'OVOITlOllts ,
, 'As-Iii" VltlllO of Silo IrnprovlJIllonh,
o
V.rlfiq.\ionSlIUf<:,.
VAl.UE ADJlHlt~~Nn;
S,Iuorf'In411llillil
C:'lfl':"lion.
[l~\.o' :!~I~!I!I"!I
~or..tiUf1
L.'!.lwtil<>I<!IFu,S}{l1pl.
Gil.
v,.w
pullin ~nd~J1pul
ql/.lilyM_ConwlIction
~II'
UI
;
Gomli!Il,'f1
Abo~. fJrq<i.
l'Illom Count
~? 49
i).i)
)1)/000 CormllfHlts on Cost Approach (RllCh'l9 HOlHooaf cost.. '
ostlmnto, silo v8111o, squaro foot cak:ulnllon IInd 'or HUD,
VA, IIml FmHA, lhe flMthnalod rflmltlnlng ooanornio Ii'e 0'
ttlft proporly): 'l'hQ cos~ (lfifito<l';h i.:>.l\Qt ,lPl'llr:!II~lvd\11i!. t9 t.h4
dlJ'! ,Ind difn';\!l\\' il\t!:JUni<lt,I.lW (hIN4\i,H_l()I\,
D
i
~.
IT'
1lOB fdl{'11 Str'J.ll
A(j~r"~ U\'W ';U!~b\'l ~<llld
"~o~nl111'{ II) []l!bj,,~r
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f'rIQ./(j'lI.t ~IY, Af"
0.1' .lIdlOf
.Q-'-Cl'~..biYJ011 !\,,~__
an,m'IlI" Finlth,d
~~~fl~~._~~low a'ld.
z
o J.ll!le~ii?~"..l!tiUW..
~ t!~~.\I!llil[C;g~li(lIL
~ _g!l!fll'f~!!J,.j'!!lUl,!mt.
:E ._9:~~IIt:!.QI!P'.(,--,-I_____
o PNch,Pllio,D,ok,
()
UI
~
UI
Pit,!p.I.'!'!..'!l!),!I<;,
F!nq,!, f'go.IL~<;'
$
fil, ij l ~
~" 1)n 9
J,()liil
$
'IO,'U')
:j(',:A\t"r;ll'JiI:;k;:t,l.:11
F.lc:lornlll
"' $
!8,2'iO
n:~ Hit ~111J II \ ~;.~! tt (;~]:\! li,wdlJ'Hrl; \I'ID, ll~od<l:! .1111. !li\t In
UdJj l;nIliI'Ullli'J tli'! .~(!~t \IN'li1il';li \ltll\dll~ 'il'lf;l:,!q<), tjll\llltYL
~, ),)Ij
H ')1'1 1'11<) '.','ltlm,ltcd Icnld 0111' e,;(IIl,jm!c,l! II II Is 21) 'Jill:!.
", $
.. $
CaMPA A E o. 1
co PAHA E 0,'
CO P RA L
o 3
7\'l 11,u,lb,\l,1 ~a,I,)H.
lIQ'~ (limIJr.I, \,lwl
1 0 Ii A ^ I J. J 11 ~Jt t (' (' t
11'1".; ()lmL~1 LlIid
,L miL.
Wlr, Sifllp~on !'tllt~' RUeHl
Ih:'o' C\inl!iQlJilllll
.JllllL.........__
.......__.._~..J. ~1, ",O[";-'--'-'~"J
. ,1.91, . [jJ ~__....."._
,LmU\'
]$'/0,1)0:)
... G:lI
_ ',B~,V
~1j,~l!~:UB R,lF'}! t
I'\I~\ it B~(;.()L(I~
fILS I ~;'l' En Rtlpo ( t
l'l!!"!!lC ~.f}g()Ht~
J~~~C;fl)"-T19N .
COllventloMI
I)QI\Q .KnQ1!'n.
l1LWOO
$\!Qt.l{P__iLnLAYt1:( !1gQ.
f~~)HrnpltJ._.
,-U.J1UfL._
__!Q;l\d~nt.l<t\L1ll'.!!J;;lgO.
L,-L!ilQ!J'/.M~~!1gfL
.__. ]!k~_.4. All!I]1/J_w._.
...._;!
t(,!.! ~dj\l~~I!!~!:!L
'l,rlll,JOC
. tiJl
[j]
. "'" 6~
BL:r:lTi;n P~pill t
\'111" \ ii' R(lC~'lIt~
[lE!lCfHI'TION
con'l\!lItioll<l1
______....._______ Uqn'l K(lo'~n
ITEM SUaJ~C;I
~juli\I!J!,J[l/A'I(Jr,I,Vt'
t'O!;Slr'i11(1!
,h,E'L1}
~l)S [(1~l\tidI!A'Ielilgi'
~f!I.!t~J,1;'I.!1/A'It)r'1q'~
BIlek ~ A\umIA'lg
-Ii!
fll!,r
TIII..1
11l(!lm~.J l~~-'h~
\
\,;IL
P<lrtldl B(I~(Jmel\t
_UP.! ~1]\.'.!hfJQ
J\'l~J~aq
rWMCL
_ _~~\iJ!I1 UIlU~__
J!r!n~___
P,ltio
I!\)I\;;.
A'L~Id(j~
I (.!~ Adjuttm".n!
~lJ _f"
IIIWO;)
~ubllrh;IIJL&'!~Id~'~
t'i'i,!~jrnpl('
,J] ,Fit;
PfJ:,tiQ~rlt (r1l/A'/fJ:{ilg.!_
P'!fi,~t!/A'/er<lge.
!\\limiml!fl/A"~
I'!
:~:t',~~t:~:~~ '[ ML.
n~ ~lJ'. ~t
_Q~ftCR)pr!Q!'l_
COI\'/cntlollal
Nrm~..Kr.Q'''~,_
.\n!O\'
U:t'~.IJ1l!~.\tT1"r)l
S\l.~U,t~iU1Ll\'l~IilgQ
rP'L1\.mp\~
~5.n ,!),tlC'tL__,.,_
R.e.'wh1nt\~l!A.t!Uf!gQ
_R,ln.cl)/i\V~I<!ge.
8ll!mJnuffi/i\YrJ.
H.
-3,lIQQ. G.oo~/~\F.QdQL .
sTot'll E8~rml 1:~-'bL.
flaD_Q_ -LQ1~___.____.._.:i:qcf.t_..
2,)00 Cril".;lSpacll
....__.__,VnVn.-lmQd
__~2,J)QQ_
A'N[..'qllS,ul.lqLl.[L.-..----
__T.gt~L .l1g'm!_Jl!!hL_
.L..... '--_.~ J......_
.L ,~.U____ . ___y'g'..f.1,
2 r SOD rill ~ Basement
_-=-lJI!!.L
..._.:.MQQ..
~2, '>00
Slab
J)nfilli~hQ1.__
Byqr,Hll
[WI!Qn,___
~!mHi!L
lIQIW.
PorchfJs
l!Qnlt
n'NJitg\}
Qo11nishJld
___.._._.__n,___ Ay~J.i!.9L__~._.
mICA......._.
... -... .._.__. ~iroU.ClL.._.__.
N.QR"L_. _...._____..._.___.
E:ncl(JsecIPorch
~.,~Ii~k_ .n\t,ipl~q_
_... m'" .__ l-~~eJ~aL
l.QQQ. rWMCA~
.. .rr.i!llilM'
!_l:;ilJ_GiH.ilg€).
Screened Porch
I. ~r.t\,r.. riL~pJ{1(;e.____
fW~IiI_gQ..
_._~)IQ9Q
-2,000
___~.L.19Q
-2,000
......--.,\,;qQ..
__l1'1J:(M~_____._.._.,._._
':':~~~:!::::~PflCt ..tq.: '-'~~~~I'nu2,mnH;: =:_;.~- '. .~,OOQ. Q:~I.'''..~ ~~~~__~.tiiQO-.
01 COmpallbl. _~'_"_~ _ !'Otl 14.0'" $ ___2~,6QQ .-.!~~~~~_ t.__ .____ _. ~llfIQ_Q._ ... ~._l'~.lOO
Commanll on Situ r.ompafitoll llnoluding Ih. .ubj,cl plop.rtY'1 cotTllJllibllil'( to tha 1I.lghbo,hood, ttt.f: ^11_~,]I~L!'HO_(}Q~_tW._t[iWjilQ.UQ,IJ..')., --I\tL.1illEtll.i1J.fi~Qn:iigQ('I;l.d.~ril.g~.._..
Jn~ll~i!tQI~.. Qf '. '{~l\!fLrHl<! . "IQ ~Y.tJ.tll.(l.llqll~.1~'1_1n. th~,-- Iln.i!..Lx~.QQ!1~\ 1\4.t..lQn ,.Q\IQ_JQ...~b_\LI i[ll~ ted_JlJIJll.plJ.r, Q! __~[<ln.-iteJ~ _L!L tbjl-~Upi~(;1;;._n~i9b.QQIb..Q.QJj;;Q!1IP)Lm!L~1~~.t~
t 19.1)l. 1\ ,"(((tilL [{ll\gQ .ilIH! _QllleLth'lr1..id\1i!l, <':Oj1lp.t _i;.b.Q~e/l..i!g' _:!!JllUilJ:;. .~ I] .'?~YIQ ,_ Cjl!'11.i tJ' L[1l..i!{kQt ,-,Wp.(jALi!!)t<lr~_QQmi\!(;n:.cUh.e._~~~t .JlYi!i.li!I?J~.__Lt'O'!!LdtL.~Q.y~~.___
jnc1.~dlpg_f.I~~. ilmUn;~_Mpq(t~_L __. _,. _______..__.____._.
Oil., P,le. IlId Dall Deed
SO(jr~.llIl plior nlu Public Rf)cord.~
wilhinyurollppralul
GOMPAHASLE NO, 1
n u. GQM~ARABL.E. NQ,~
. .kQM~ARAeLE. NQc.3..... .~.. ,_'-
'fd:~ A.qsessmellt Of! tea
PubUc Record.'!
1',1:\ ;\sstlssm.,n\ (Jffice
hltlic Records
'1'd?;,SSlJssrnontOffice
Public Rccon!.q
Anllytl, of Iny Ill/f,.nl agr"n"nt of ule. option, or litling 01 Ih. tubjec\ prop.nv and IIl~IVlit 01 any plio, tal" of tllbJ'c\ Af1d IlOnlPI'lblu wilhln on. V'" CJf th. dlt. of .ppr.lnl:
ti-':Jr1<it;fiIYi/1l
INDICATED VALUE BY BALES COMPARISON APPROACH.
,. """" """" .", ..,.
$ 1~,.QQQ___.__.
DI 0 VALUOY INCOME A[5I:OAC II A lieabla) Eltimlllt" Milk" Aalll $ lill\
Th.IPprliulilm.da '/ ""-Ii'" tllhlaIl1tolh.rep.il$,III.llrions,ln,paClllIfltOrconrlitiontht',,-dbelow
Condillollt 1I1 ApPlaiul :Thn S\l~d<4Gl is ijP!;orsli~i!d in It.') f'~\'Silnt C9wHi\on,
IMo. ~ llron R'Il! Multi Ii.r II/A
tllbjer.IIOCOmpleIIOllptlplln..ndlp.oll,ll.lion..
Finll Rfconllilillioll : Tli(U1.'llJ(!t \'Pp(fj,lch is t~l,d'>),':It <l1'1'[lqjl ('ll lid.', .tYI'(' u( f'IQVi:t ty, l'hi:.(;I).'It'Hl'r';I,'.r:r!$lIjJ['Qn~ UI\' 'hl!lJ!! \nd(c\Hf!U.I>y U:il.lfli!If,Qt ~WP-[Q.';Ji;.h,
.-Th\),ln,:OlT\'l !WPltl(lI:[L \,~ II')~ iJf'P lil';lh) {, t:r! the ~I'H)jh~t !;-CC'jli'l<iU:'! ,1.Jl',I(;.lll'lltcthl'lt'I.tSJ:(i!oJ intv!"cot in lh.('__,]llIi)flit 1{;.5. the .PJ9Po;rtYG?nt~ln!i. thMl.th\!..jn<;.9I)V~ JL._
!My_ r,~(ld\l.~f;,
fh" pmpol' of Ihlt appr"u! II hl 'Uim.te Hill milrk~t vHI'I' 01 Ih" rnllltoperlV lh~l is Ihe tubiael olll1i, reporl, bUild an til. aboy. canclilionl Ind Ih. ttrliflcltion, eanllng~nl tnd limilinlil
a(md;lilln~, Inl! mlfk'l YlIl\lt lle"nilion ltlill are u~IIt(1 in tll. lI""chlld fftddi. Mia ~l)tm "39/f~nnie M'" Form 100<10 IRevi,,,u ri/?)
/7
I (WEI EBTIMATE TUE M ET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THill REPORT, AS OF
lub".HY S, 2001 // " /WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORTITO BE . II,OQQ
-. , .. IUPQI:VtIQRY APfI9WSER IONL ~ IF kEQUIAED)
Sililll.luI. -~.- f1IQn~lw. o Did ODldNol
Nam. D,wid ~L E,K -' N.m. IMPtet rroPtrl'{
till. Aaport Slvn.d !\tl1ru;H'I~i, 2~11)1 Oil' R.pon Bign.d
5111. C"IUlalUon , [(j, OI)JP'1 Stlla f'~ Slal. Clllilical,oll _ __~J~!!
. t
z
o
1=
~
()
~
()
II!
Frtddl. MIl) FOlln 706,03
Mr.S, ~ DIVi.,on oT"cl O.v.loprn'nl 10001691.17113
rag.2nf2
F.nllla M.. FOlln 1004 893
Ridge Marketing Associates
Fllo No, Sl-206
DEFINITION OF MARKET VALUE: The mogt probablo prico whioh a property should bringln a oornfJotitivo and open market
under 811 oonditlons roqlllsllo to A fair 8(\10, 1ho buyer nnd 801l0r, (ulCh acting prudently, knowlo~goably and assuming 1he price Is not
nHeotod by undu(t stimulus. Implicit In this dofinlUoll Is tho COll8ummution of 8 8810 8S of 8 !Jpoc:lfiod dato and the passing of title from
lollor to bllYor undor oondltlons whflfOby: (11 huyu; find slIllor IIro typlonlly rnotivntod; 121 both porties ora wolllnformod or woll advlaod,
lmd 080h RutlllU In wIll" ho (JolHlldufR hlA own hftst lntoro~t: i:i) ft f088onnhlo Hmo ill nllowlId lor oxposlIre In thll opon markot; (4) pay.
fTlont Is mild" In tfUITl8 of (;flsh In U. S, dolhuH or In tOrlllS 01 fll\lUH1111luHlII1{llHHOlltS l:OI:lPlIfilhlu thoroto: lIod (5) tho price represents
tho ,lornHl1 oUlIsldorlllloll for Iho proporty ~Hlld lUllIffm:lod hy Ilpuclul or CHI/Illvll lirHlIldll{l or Silins COlwO!llllons' {Jrnntod by nnyorle as-
8<wllltod with Iho !llllo.
AdjUHtlllUlltM 10 thll IlOlllfllHllhluR IrItlst Ill! IIl1ldll lor "poollll or ownlivo finflllCI110 Of tllllllH 1I01l0fl9Hio1lH, No ndjustlllfHlla oro noco89ory
for thONII I.HHlh whleh llro flOfllUllly pnlel hy Ntlllura '"I II wtiull of HudWon or 111'1\' In /I ITlIIfkflt ArflEl; Il1Ol:Iflll(lllta llrn rondlly IdontUlahlo
MIIlUft tho MOUor !IllY" thmHl nOl~IH III virtunlly /Ill HnhlH trHllltnOUUful. ~~plldnl Of lHllatlVll flrWllolllU UdJlI"tlTlOnts lHln hll lTludfj to Iho
llUlllpfHUhlfl propllrly h\' uomp'ulsOIHI to flllllllui!l{J Imll," offnrOlI hy II thlld pllrly hlHlllUlioll1l11olldur thlllls not Ellrondy Involvuclln ttm
propnrty (If triUllulfltloll. Any lIdjUHllllllllt "hut/ld not tin ollloulnlfld 011 It IIIl1nhlllllolll <101111I hlr dullllr rmsl of thn flnnnclnu or conctulslon,
hUlthfl doHlIr nmollllt 01 /lilY ndJuslrnolll ahOLlld Ilpproxjlllnlll Ihlt IlHlrkul'H HllItJllOIl 10 tllfllinllllChl\l or ooneosslnlls hmlOd (In tho npp"
rnlsnr's jUdUlllollt,
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: Th" 'ppmi,ur', ""flifi"all'H,.I,," HppO"" i" 1110 "ppml'al ,.por' I, ,"hloo' '0
tho tollowlnu conditions:
1. Tho apprnhlOr will not ht! rosponslhlo for lTlnllors ot n 10{Jnl nllhlHl lhat aHoet ollhor lho proporty hnin{J appralsod or tho tltlo to It. Tho
nJJpralsor nssumes Ihat tho tltlo Is "ood ami Illllrkotabln find, tllOroforo, will not rondor nny opinions about tho tltlo, Thfl properlY is npp'
raised on tho hnsis 01 it bolng lmdor rusponslble nWllorship.
2. Tho appraiser has provided a skeloh In the apprnisal roporllD show approximate dilllensions of the improvemenls, and the skotoh Is
Included only to assist the reador of the roport In vimJaUzln{J Iho proporty ami unclorstandinu tho nppraisor's detormlnatlon of Its slza,
3, Tho apprnlsor has ol<amlnod tho lIvoHnbla flood maps thut Elra provided by tho Foderal Emorgency Manflgoment Agency (or other dala
sOllrcesl and has noted in the nppraisElI report whethor Ihe subject sito is localed In IUlld9nlillod Spoclal Flood Hazard Area, Because
the appraiser is not a surveyor, he or shfJ makes no guarantees, express or impllod, rogarding this doterrnlnEltlon.
4. The appraiser will 1101 give tosllrnony or appear in court becnuso ho or she mado an uppraisal of the proparty in question, unless
specific nmmgomonts to do so have boen made belorohand.
6. The appraisor hns esllmatod lho valuo of the land In the cosl approach OIl its hlghesl and hast use and the Improvements at their con.
tributory value. These soparato VlllulIllons 01 the land and improvoments must not be lIsed In conjunction with any othft( apprahud and
are Invalid If they are so used.
6, The appraiser has noled in the Elppraisal report any adverse conditions lsuch as, needed repairs, c1epruclatlon, the presence of hazar-
dous wastes, toxic substances, etc,l olisarvod during the inspection of the subjecl properly or that he or she became aware of during
the normal research involved In performing the appraisal. Unless otherwise stated In the appraisal report, the appralsor has no know-
ledge of any hidden or unapparent condllions of the properly or adverse onvlronmentol cOrlelitions (Including 1ho presence of hazardolls
wastes, toxic substances, ote.) thut would make the properly more or lass valuable, and has assumed thElt lhere are no such conditions
and makes no gUManteesor warranties, express or Implied, rogarding tho condition of the property, Tho appralsor wlllllot be respon-
sible for any suoh conditions thnt do exist or tor any engineering or testing thM might be required to discover whether sllch conditions
exist. Because tho appraiser is not an oxpert in tho field of environmental hazards, the apprElIsal report must not be considered as an
envirunmental assessmant of the property.
7, Tho appraiser obtained the Information, estimates, and opinions that were expre~ged in the !'lppralsal report from sources that ho or
she considers to be reliable and believes them to be true and correct. Tho appraiser does not assume rflsponsiblllty for th6 accur~cy of
slIch Items that wore furnished by olher parties.
8, The appraiser will not disclose the contents of tho appraisal report el\cept as provided fOf In lha Uniform Standards of Professional
Apprall:lal Practice,
9. Tho appraiser has based his or her appraisal roport and valuation conclusion for an appraisal that Is subject to satisfactory comp-
letion, repairs, or alterations on tho flssumption lhat oompletion of rho improvements will bo performed in a workmanlike manner,
10, The appraiser must provide his or har prior wrlllan consont boforo the h'lOder/client speeifiod In tho appraisal report can distribute
the appraisal roportlincluding conclusions about the property value, the appraiser's Idt'ntity end plCJfossional designations, and
references to any professional aflprnlsal organIzations or Ihe finn with which the npprals:n Is ftssociated) to anyone other thtUl the
borrower; t1w mortgagee or its successors nnd assigns; tho mortgage Insurer; consultants; professional appraisal organizations; any
state or federally approved financlllllnstltutiOfI; or any department, agency, or instrumentality of tho United States or any stato or the
District of Columbia; excepl thai Ihe lendor/client mny distribute tho property description section of the fUport only to data collection or
reporting sorvic:olsl without hflvino 10 obtain tho appraiser's prior written consent. The appraiser's written consent and approval must
also be obtnlned before the appraisal can hfJ conveyod by anyono to the Pllbllc Ihrounh advl'l/lislng, public relations, news, salas, or
other media.
L
f"ddi. Mle FornI 439 8-93
Me\>, II Di...itirllllJf ACI D.....lopm.nt (QOOI 691 77l\J
MCS Form LC5
f'.g~ \ nl ~
F.nni. M.. Falm 10048 8<93
Ridge Marketing Associates
,I
"
APPRAISER'S CERTIFICATION: Tho App,ol,", 00111110. onrl OOHlO. .hlll:
1. I tllWo HJlHHHOhod tho 8\1hjoct IImrkol (HOll mul hAve sohll:tud II minimum 01 throo rocont slllos of proportloN most similar and
proximate tn tho uuhjont propfllty for 1l00HlldoHltloll In 111ft RllloH corllpllrl~oll nrlUIYfllfl /llId IUlVlJ ,,"ulll 11 dollnr ndjuMlmont whon
n""'Clp1Into 10 lolllln\ Illo IIWkfll fOl:lIJUOlll(1 thORO IhHll!l ollllunlfh:illll vnrlullun. II U HIWllflclIlll 111111l ill n UOfTIllftrnhln proporty hi Mll!>"'"
lor to, ur IIIurll Invnrllhlo IIHII1, lllll IHlhjuc11lrnjlufty, I 1I1Iv" mn<loll nfloullw, udjllllll1lllll11n rudu{l(! tlllllldjU8tod !WIOH prlno of thn (lomp.
"tlthltl, IInll If 1I1l111lllflcfUlt 1I1111lln It l:Olllpllrllhlu propnrly Ifllnlorlor to, or luy!! filvor/lhln Ihull tho Hllhjuot fuulHHly, I hnvo moduli pOS'
ItlviJ IIdjUHIIl\i1111 1(1 lnorOllfl" 11111 I1djuHlnd IwlllH prlell of tlw 1l0mlllHfllllt1.
~t I IIIIVo Illkull i/lto onll~hlurllll(JIl thllll1IJlofS Ihalluwo nn IIllPl1fll on Vlltllo in lilY Ihlvfllopmellt ollho oslllTlntll (II marko! vllluo In tho
IIJl,unhutl r"plltt. I luwlt nflt knowllluly wllhhoht /lny illllniflolllltlnlotlllutloll horn tho Ilf/prnlsu! roport, IImll hIlIlIlVU, In thll hflRI (If my
klluwlmlUfI, Ihlll 1111 sllllofllolllu 1I1ld In'offwlllon III Ih" npprlllslll rupmt lUll tflW iln<l nOHnc!.
:t, IlJtlllnd In Iho njJpflll!lRI r\'porl only lilY own flOrlWfllll, lInhlllsorl, lI"d prolfJ!hliulIl1l11llnIYHitl, opinions, llnd {]{lfIcluslofls, Wlll<Jh ftro Huh.
jotll only to 111II (lontlllUfHlll11ll1 HmillllU llondlt!oll" spuolfllld In this lorlll.
4. I have un "ruRonl (If JHOll,UUltlVO llllmolil in Iho proporly thnt Is Iho Rubjoot to Ihill ruport, 1I1ld I huvo no prfJsont or prosl'oeilI/o per.
Imull illtotust or hlns with Wflluu:l to lhn pmtlc:lflullla In Iho tram,ilCllon. I did !lot hosfl, olthor ,,"rtlnlly Of cOITlJllololy, lilY llnalysls
ftnd/of tho ostllll"to of ITlllrkfll VllhUf In 11m npprnlsnl rollorl Oil thn rilUO, oolor, rollolcHlr sox, hllndiollp, Iftrnilh,I slallls, or ontlonnl origin
01 olthflr Iho prospucllw.l UWfltlrfl or OlJOlllllttlts of tho Bubjonl proporly or of tho prO!lfll\1 ownors or occurllnts of tho ~Jroportlos In thlt
vllllnity of Ihe fillbjocl prOpflrty.
b. I hElvO 110 prusollt or oOlltfllllplatod futuro intoresl In tile subjoct proporty, lltld floithm my eurront or futuro omployment nor my
componsation for porformlno this npprnl!lftlls contlngont on tho nppral!led valuo of Iho proporly.
e, I was not roqulrod to roporl it ptodelorlTllnod valuo or diroclinn III valufl thlll fllvors lhu CUllRn of the ollnnt or lIny rula'lOd porry,
tho nmOllnt of tho vlllllO osllrnEllO, tho 11l111lnfTlOllt olll specHic; rtJaul!, or Iho OCClltrllflOO 01 a f1ubsoquont eVent In ardor to rfJoalw.l my
compellaatlon und/or nrnplOYIlWIII lor performlnu tho appraisal. I did not hmw tho appraisal fflport 011 n requestod minimum valualion, 8
spocillc valuation, or 1ho nood to approvo 11 spoolflc morl{lfl{Ju loan,
7.1 performod this npprllisal jl1 cOfllnrrnlty wilh tht, Uniform Slandnrd.!l of Profos91omd Apprai.!l<ll proetlc:o thai woro adopted and pro.
muluated by tho AppraIsal Stllndarda Boord of Tho Apprlllsnl Foundation lInd that woro in plelOo flS of tho offoctlvo dato of this appraisal,
with tho oxcoptlon of tho doparluro provision 01 thoso Gtandards, whloh dOllS not apply. I acknowlodgo that an ostimate of a reason.
ablo time for (Jxposuro In tho opon markol Is a Gondition In tho definition of market valuo and tho estimato I doveloped Is oonslstollt
with tho markotlng tlmo nolod In tho neighborhood Mctlon of Ihls roport, unlogs Ihavo othorwlse statod in tho roconclliatlon section.
8, I hova portlonally Inspoclod tho Interior and oxtorlor aroas of tho subjoct proporlY and tho extorlor of all proportles listed liS oompar-
abies In tho appraisal report. I further oortify that I have no\od any ftpparont or known advorse conditions in the subject improvements,
on the subject sltolor on any !lIto within the Immediate vlolnlty of the subJocl property of which I Elm awaro and have made adjustments
for thoso adverso conditions In my analysis of tho proporly value to tho oxtont thllt I had markot ovidonoe to support them. I havo also
oommentod about Iho oHoct ollhe adverso conditions on the markotabillty of tho subjecl property.
9. I personally preparod aU conclusions Ilnd opinions aboul the roal estato that wore sot forth in tho appraisal report. If I rfllled on slg-
nlfioant profosslonal assistanoe from nny individual or Individuals in tho porformanco of the appraisal or tho preparation of the appraisal
roportl I hav~ namod such Indlvidl/alls) and dlsclosod tho spoolll~ tasks performod by thorn In tile reoonclllation section of this appraisal
roport. I GElrtlfy thaI any Individual so namect Is qualUled to perform tho tasks. I have not authorized anyone to mako a ohanoo to any
Item In the report; thorefore, II an ullauthorlzod change Is made to the apprfllsftl reporl, I will take no rMponslblllty for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If 0 .upo,visory opprolsor signori tho opp,oi.or report, ho 0' sho oor'llloo
and agrees that: I dlrootly Rllporvlso tho flppralsor who prepared the appraisal report, have reviowed tho appraisal report, agroe with
the statemonts and conclusions of the apprnisor, agree 10 be bound by tho Apptftlser's Cortlflcatlons numbered 4 through 7 abovel Bnd
am taking full responslbllllY for tho apprlllsftl and tho apprnlsal roport.
ADDRESS OF P~~ISED:
~::~,:::SER: l&_____
Name: O,2Wiq M. Eskin
00'0 Signori: 11$I>r.uary 9, 2001
Stato Certification No,; RL-003174-L
or Stata Lloenso No.:
Stftte: penneyl vania
ExpIration Dato of CotWicallon or liconllo: June 30 I 2901
1108 Allen Street New GUIRberl..nd
SUPERVISORY APPRAISER
(only If ,0qul'Rrll:
Signa lure: __,_,~_____~. ...._..____.__,._.u~_
Narno: ___.'_..___ ...., ..... ...._~_________
Datil Signed: ... .._______,..____.__..
StftlO Certlflcalion No,: ..____._____ .___.._.._._....___
or State Uconso No.: ..__.______
Stato: ... ..._~n_____'__
EJmlratlon Onto of Curtificatlon or L1cen8e:
U Old 0 Old Not Inspect the Property.' .. ..-------~----..
=.
f"ddl,"1Ir. Fnrm 439 (\.93
Mcr., ~ Olvi11on III ACI Oev.toflm.nt lAOO) 091.1111:1
MCSForml.C5
r.". 2 01:.1
--
f.nnl. Mu Form 10CMB (1.93
Ridge Marketing Associates
... ,
SALES COMPARABLE ANALYSIS
It YOllllsod nny comparablo tlltlu that roquirod total UroS8 tldjuNlmoll1 of 26% or hi<UlJlduIllndjuYlnWllls ("WfllHJlnu 15%, oxplnln horn why
thOBO Were 11m host (Jomp8rttblO 88108 10 utililO itnd why thorOltHl rIOt ht/Um cOlllporllhlu sltlutlln tho IUtlll:
N/A
If 'loll tHlfH1IUlV nOllllllHlthlo HiltON Ihat WCHl UVflf !Ill( Illollths old or not /lOllr tho IHlbjlJ<J1, (Jxplnln why lhfl.!HI Worn tho bosl (:(JlTlpfHohltHI
1l'i~l!lIblo Ellul why thoro IUfl not morn WCfln! Hal08 or nomos! onluH llvnllnhlo In lhl!! urnn'
Pue tp the limited number of transfers in the subjeots neighborhood oompl were .elected frOm
a wider range and clder than ideal. CO!1lpI oholen are similal' in styl., qUaHty, mal'l;et
aPpeal and are oonDldered the best available from all sources including MLS and ST~a
Reports,
Total nllmhor of homos In tho nOj{JhhorhoodSO +/- fund tho nwnhor of Ihoell homos Ihot ItrD for Hlllll Non" N9,
Mnrkoting lime for c:omplHobI6l.;
Cortlp II 1 Unk:now days
Cornr 112 Unlqlow dllYs
Comp #3 Un know (jllYfl
monlhs
months
rnonlh!l
The nfJpralsors invofltlgation rEll/nalod a sale 6f tho propflrty during tho past lwolvo 112) month poriod,
YES 0
NO IXJ
Tho appraisers hwosligutlon dlsclosod tho following transaction salo of tho RubJocl property:
No .tr~!lsfel's Inthe paat 1~ months,
. -.----- .______.h.._,._~_~____.~_..__.____'_____.
. '-'-"--~-'-"'---~------,_.._-......._-._..-.
-- .-.----- --..-.._-...._---_.., -..._--....~.....~.-.-._--~_.._----------_..
In your opinion, Is 1/16 sales prico 01 the subject property being affected by the torms ot lhe flnanolng or any ~ellor oonoeoslons?
It yes, commonl: ves 0
!'IIi\,
NO 0
..---- - --._.~----.._._-_..~._---_.
Are all compmablo sales ullllzed olosod sales?
COInmont:.>.U ~~l..s ",ere. "..rif~..d gJ9sscLt'u:()\Jghu~h.. talCMs..s!lttl..!l~ pff.i..QI'.,
YES IXJ NO 0
.------..-.-....---.-.-...-
..---.---.----..---.-----------,
If you noled 'brokor' or 'bulldor' as a SOllrce for a compfuable, did YOl! indopendonlly vorify tho sale?
Commont:N/A._.__
YES 0 NO 0
CHECKLIST
Havu YOll attnchod il location map showing location of all camps?
YES IXJ NO 0
YES 0 NO IXJ
YES IiiI NO 0
YES IXJ NO 0
YES IiiI NO 0
YES IKI 'W 0
Have you attached 11 Flood Map Panel shOWing the loc8tlon of sLlbJect properly?
Have you Gommontsd on all f"ir Of poor fnllnus?
Have you clearly identifiod tho room!J on your building skotch?
On now eonstrl/clion have you Wood ilt loaflt ono comparnblu from outside the sLlbJacl, noighborhood?
APPRAISER: Dav~d
Did YOll physiclllly Inspoct 'ho oXlorlor of onoh comparnblo?
/'
'(".,;~"'.-'
"l~
DATE: WiLQl.
SIGNATlJllE:
Form I,AO
Mer.,. Divition 01 ACI fJ,v,lopmull IBOOl697.nflJ
p'o.. 2 ol:l
.- . - .. _.._,- ..- ---- . . -
." ,'. MUL TI-PURPOSE SUPPLEMENTAL ADDENDUM
FOR FEDERALLY RELATED TRANSACTIONS
OQr!QwQr/Cllont N/A
prgpoltvAddru. 225 Eight.h St,reet
City N._w Cumbflrl.nd COllntvCumherland SIIlIO PA Zip Codo 17070
, nn"n, Jameu , Smith , Durkin , Conne 11 v
This Multl.Purpuso SUPIllonlfllltll1 Acl(I'tlHI\ltll lor f(JehulIUv RlIllltod lrnrllwctlOl1!l WlIS dU81unod to flfUVido tho onprAlsor with n <:OflVenlont
way 1(\ (wmply wllh tho curront npprnhHlI Rlftllclnrds llnd rllqulwlllnl\hl 01 ttw hHloH11 OOp{JHl1 h1!HlrllII(J(I CorporttlloflIHlIC),tho Offlco of tho
C':nfllhhllllor of Currollov lOee), rll/l Offloo of lIuilt Suuorvlalorl taHH, tllll RUllulullon Trust Coruorl1l1UII lHTClllnd tho ~n(IAfIlI n. ........
The _.Purpo.... rl-'" Addondum ht lor UN wIth..y __. 0nIy_
'111_1. w....h hI.1 boon .'-k'" by tho _..... apply 10 I.... ",op...., baing _......,
- --
PURPOSE & FUNCTION OF APPRAISAL
rho purposa of tho llpprnlulla 10 OSllfll1l11l 11m Illnrktll vnluu (lItho Hubjocl proP/Hly 'HI do fin lid IlOwln. Thu ftinctloll (If thn opprol801ls
10 08918t tho Alwvo.munod l.ondOf Illllvftlllfltlno Iho HuhjllCI propUrly for 10ll<llnu pllrpolHHl, Thl" Is n FlIclorfllly roluwd trllnnotlon.
EXTENT OF APPRAISAL PROCESS
00 Tho nppralg<tl Is basod on the information UlHllnrod by tho llPpralsor frolll puhlic (tlcords. othor IdontUlod SOUrt)OS, Inspoctlon of tho
subjoct propony and Iwinhborhood, flnd 9ulo<:lIon of cornpnrahlo salmi within tho fluhioct rnorkot lItOO, TtUl orinlnol nOllrfJO {If tho aom-
parablos Is shown In tho Dalll Sol/roo sflclion of tho rnflrkol (!rId IIlonu with tho sourco of confirmation, if a'Jallllhlo. Tho orloinol sowao
Is prosonlod first. The soureos and diHfl 0((1 cOllsldorod rollablo, Whon conflicting Infofflllttlon was providod, tho sourco doomed most
rolloblo has boon u9od, Data hollavadto tlfl unrollahlo was nol hleludud in tl10 roport nor used as fl hauls for tho vallIe conclusion.
00 The Rorroduclion Cosl is basod UIl Marshall , Swift Cost Handbook
BlIpplomontod by tho appraiser's knowlodgo of tho local rnarkfil.
IX) Physicul deproclalion is bllsod on tho ostimated effective (l{le of tho SUbjflCI property, funr.tlonnl and/or oxternal depreciation, if
prosent, Is specifically addrossod in tho Ilpprnisal roport or othor tlddonda, 111 ostimutlno tllo silo value, the appraiser has rnllod on per.
sonnl knowlQdgo of tho locltl markot, This knowlodoo is based on prior and/or curront analysis of site salos and/or abstraction of site
values from sales of Improved proportles.
00 Tho sllbJoct properly Is localod in an arofl of primarily owner.oocupied sin~llo family r6sidonces !'tnd the lncomo ApprollCh is not con9i~
derad to be mllllningful. For thill ((HI Ron, the Incomo Approach was not used.
o Tho Estim6ted Market Rent and Gross Ronl Mllltiplior ullliled In the Income Approach aro based on the npprniser's knOWledge of the
subject markot area, The rental knowlodgo is based on prior Ilndlor curronl rental fate surveys of resldontilll properties. The Gross
Ront Multiplier Is bllsed on prior and/or cunant analysis or prlcos and markot rates for rosidontial proporlios,
o For Income producing proportlos, actual ronts, vacanci9S and exponsos havll boen reportod and analyzod. They have been used to
projeot future rents, vacancies flnd (fxponses,
SUBJECT PROPERTY OFFERING INFORMATION
According to ~~nt;.r_~l Penn MLS ---- tho subject propert.~:
"I not bun o<<ered for sale In tho past 30 dftys.
II clNl'endy o<<...ed for salo for $
W.I offered for sole within tho pHSt 30 day~ for $
Offering Information... c:onaW.-ed In the final reconciliation of valuo
Offering information... not conaidtlfed in tho final reconciliation of value
OHarlng Information... not ."...... Tho r08S0ns fur unavnllflbl1lly and Iho slOps taken by the oppral."or are oxplalned lator in thIs
addond~lm.
SALES HISTORY OF SUBJECT PROPERTY
Aooordillg 10 C:l1ml;>erl~nd C\,Uflty Publio Reoords _ ----- the subject properly:
~ hi. 00' "....1""... In Iho post twolvo monlh. B hi. noll'ln.lon'" In Iho posl 36 months,
"I trllnl'ftfect In tho pust twolvo months h.. trantl'ened in (ho past 36 monlhs.
All prior salos whioh havo occllrred in the past twelve months aro listed below and roconclled to the appraised value, either In the
_ ____bmJyollhe rQPo:rt or. In Ihft addonclqm, -- ------_..----------. .---~--- -.-.---------
-- Dalo Snlo$ Prlco DO''''''OOI N J Soli., L- __.. _...Buvo! <.. ----~ -~ --- .. ...-
N/A ---". ...--
FEMA FLOOD HAZARD DATA
~SUl>iOCI p,oportv I. nou....,... In n FEMA Spoollll Flood HOlO,d Aroo,
SIII>JOO,p'TO'IY I. .....,... In 11 FEMA Spoolal Flood HoWd ArOIlI !New -.- ----
Zono FEMA M.p!Pllnol N M.p DOlo Namo of Communitv. ._--------~
G._ _ 420366 Il 2/16/77 CUlllber1and lloJ;<;l\lgh .-..-- ...--.......--.-".....
~ Tho ,o,"munllv don portldpoll III Iho Nnllol1ol Flood lI1su,onoo Prawn,",
Tho community don not portldpot. In tho Notional Flood InSll((lnOO PrOorfllTl.
It 19 coverod hy .,........ pronram.
It Is ooverod by ... __gency pro{Jrllrll,
..._~- .-... ""h -.-_. .. ..~- .- . -.. -.
Ridge Marketing Associates
Fllo No, Sl-206
formM!lA
Me;,,' OI~I~I(ln 01 i\r.1 ().~.lopm.IIIIIlQOI1l91,n6J
- -~-l
." , CURRENT SALES CONTRACT .
, , , .
~ The !tubJoot proporty Is curranlly not undor OOll'rar-t.
Tho conluml andlor oscrow Inslrllcllo/18 WfHf,t not 8vallablo for foviow. Thu ulluvllll,lhilily of tho contrucl Is oitplalnocll8lor In tho addenda
90ctlon,
o Tho Dontruel <md/or 08t~row lnslfuollons Woru roviowod, Tho fulk,wlnu Sll/J1fnlldlOS tho Oonluwt:
Contracl Dnlo Amondnlfllll Dato Conlruc:l Price Sullor
N/A ~ - ----
8 Tho Conlrllol IndicalmJ lIulI POffwrll1l p((lpmty WIHI /lot lnoll/dod III IIIlI 81l10.
Tho contrllct jmUoolod Hutt porsolllll pwpmly WiUI jnoludod, II GOllSlstud of N/A .---
Esllfnlltud oOlllrlhulory vftluo Is $
~ 1>000"n.1 p,opo"y WII' n"llrwlud",1 In Ihll '1r181 vlllu" ".lim.III,
PortoollRI proporly WitS lnoludfld III Iho finlll V,llUft fJRlirnato,
Tho UOO1Hlcllndlcalod no flnlll\l:lnu eOIlC09!liolls or ~1twr h,IOOflUVUS,
Tho cOlltrl1ctlndl(lfllod Iho followlno ..OOll1/8Rlorls or lrwollllVO!l:
011 oonoll99lon. 0' InoonlivlI. oxl9l, Iho o"ml'o,"bIOll wo,o chooknd 'or .Imlllo, conao99lon. ond "1'p,op,IOlO odjuolmonl. WO'e modo, If
If applloahla, flO that lho flual val~1O OOnClll!llollS Is In compliflnco with tho Markel Valuo doflnod horoln,
Inrlud. .nMI~l\~~'!1 QY~n~I~I'~~df'
I "{..---~- months 18 conslderodn roason<lblo markotlng period for tha subJoct proporty hll8ed on
~rk..ting dl!ta froll1 Cel1tral Pel1l1 MLS, . ~~ .. . .
~~ -- -------
ADDITIONAL CERTIFICATION
"-
The Appralsor certlfios find flgreos thot:
111 Tho analysos, opinions, and conclusions wow dovolopod, 8nd Ihls roporl wns propnrflCl, In conformltv with tho Unl'{ornl Standards of
1>,0'00.lon.1 Apt"OI.., P,ocllcol"USPAP"I, ond In .coo,d.noo wllh Iho ,o~ul.tlon. dovolopod by Iho Londo,'. Fodo'.1 Rogulolo,y Agoncy
as required by IAREA, O)(cepl that Iho DOPllrturo Provisions of lha USPA do not apply,
121 Thol, nOmrOl19.llon I. nol conllngont UFrOIl Iho ,0po'lln~1 of p',odoto,mlnod v.luo 0' dl,oollon III vllluo Ihol fovo19 Iho COU'. of Ih. ollont, Iho
amount 0 tho valllo ostlmalo, tho (lIta nmont of a stlpu 6to(l rosult, or the OCOllrronco of a 9llbsequent ovent.
131 ThIs appralnal asstgnmElnt was not based on a requested minimum valuallon, a speolflc valuation, or 1he approval of a loan,
ADDITIONAL (ENVIRONMENTAL) LIMITING CONDITIONS
Tho v.llIO .'"motod I. h..od on Iho O"'"llpllon thlll Ihe p,opo,ly I. nol nogllllv.ly .lIoclod by tho oxl.l.nco 0' h.,.,dou. .ub.I.l1co. 0'
dOI,lmol1tolllnvl,onmontal condition. lInloll. olho,wl.o .tolod In Ihl. '01'0'1, Tho 01'1',.1'0' I. not .n OXport In Ih. Indonllllc..lon 0' h.,o,dou.
sUbstancos or detrimontal onvironmental cOflditlofls, The appralser'J routlno lnspflctlon of dnd Inquiries about 1ho subject property did n01 develop
ony In'o,mollon th.llndloolod ony opp.,onl .ignlflo.nt h.,ordoll' .U".lonco. 0' d61,lmonl., onvl,onmonlll' nondlllon. whloh would ollOCllhe
properly negaUvely unless othorwise stated In this raporl, It is possible lhal losts and inspections made by a qualified hazardous Bubs1anoe and
onvl,onmol1l111 oxpo'l wOllld ,ovoollho oxl.tonco 01 ho'.,doll' ,"b.t.nna. 0' clot,imontlll onvi,onmonlol condillon. on 0' 1II0und tho p,op.'ly that
. ,.11.
ADDITIONAL COMMENTS
A~^..g~'S SIGNATURE & LICENSE/CERTIFICATION
App,.I.o,'. Slgn.llI'o_ ..L~_-L /,/'~.. ~=,~.. ~ . .~-----. -- Effocllvo Dolo U!1/Ql~ ------ DOlO l>'op.'.d~.L~l9J_ --~---
~~:.~.~~'. fl~I:~~~:i~t~.... .~. .NRL~003174:L .--- ----- ----. ---. --~ Phono , .717c~40::l78Q~ ------
..la. In , ~3-S8-29S6
CO-SIGNING APPRAISER'S CERTIFICATION
o Tho co,.lgnlng "1'1"01.., ho. P019onolly In,poclocl tho slIbjoclpropo'ly, bOlh In.ldo .ncl out, .nd ho. modo .n .Xlo,lo, In,pocllon of 011
co"'pII,.ble ..1.. 1I010d In Iho '01'0'1. Tho '.pOrl Wo. p'.p.,od bl' Iho opp,.I.o, lindo, cll,ocl .upo,vlslnl1 0' Iho co,.lgnlng .pp.oloe" Tho
oo,.lgnlng opp,.ls., .coop" ,ospon.iblllly fo, Iho Conlon" of tho 'Opo'llnollldlng tho volllo connlll.lon. .nd Iho limlllng condition., .nd
confirms that the corlUlcallon9 npply fUlly to thl:) (;O-slgnlng appraiser.
~ Tho co,.lgnlng 01'1',.1'0' h.. nol po"onlllly In.poctod tho Inlo,lo, 0' Iho IIl1bjoclP'OpOrly ond:
has not Inspocted 1ho e)(lerior of the subJocl proporly and all comparable sales listed In the roport,
has Inspected the o)(torlor of th(> subjocl proporty and all compambl{J salos listod In tho roporl,
rho I ,po" W.. P,opo,.d by tho 01'1"01'0' lindo, di'.cI '"po,vi.lon 0' 'ho co,.lgnlng 01'1"01..,. Tho co,.lgnlng "1'1",,1'0' eooop19
,oopon.lblllty '0' tho Con'OI1I. of Iho ,opo,1, Innllldll1g Iho volllo conclusion. IInd 'ho limiting nondlllon", ond conll,m. tho I Iho oo'tlfloollono
apply fully to tho co.slonlng appraiser with the 0)(00p1l0n of tho cartUioatlon regarding physical Inspoctlons, Tho above describes 1he level of
Inspection perfornlOd by tho r:o,slgning appralsor,
o The no..ignlng ."1".1'0'" lovel of In.p.ntlon, lovolvomont In Iho o"p,.I,olp,oc.," ond ce.tIfIG.lion .'0 covo.od .lsowho'"ln tho .dd.nd.
80ctlon 01 1hls appraisal.
CO-SIGNING APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION
Co,9lgnlng
Appralaor's Signnlure effoC11vo Date D81e Prepared ___~_'m___,_~_
Co.Slgnlno Mprllh;9r'8 Nn~ Phono , . ---- -..----,---.------
! St. I. I Lie .. , . T". 10 ,
'U_ _._n - ..- ~- h .- - -. - -
Ridge Marketing Associates
FClrmMS"
Mr.s, " Oivi'lan of ACI (J.v.lopm.nl UIOOI 691. 77Al
--- -- --- -- .._.~~".. - -- -
J' "1,. USPAP COMPLIANCE ADDENDUM . .
Borrower Ordor" .
- -----. __...u...
P,oporty Add,... UQ_Q Ml'"(1tr..t --
Clly N.ll G\I!Db.rllond County Cumberland Sl!lIU PA lip Codo 17070 -- --- ------..- -
Londo,/CII.nl Jilm",,__ .Smi.th, DuX'kin , CQnn.lly Cliolll AufQronco "
'W' ......w ~ .ftdd~........
-
Tho purposo of tho "'lJlt.lls"1 hi to pro....ido 1111 opinion nt markol v/tlUII of tho Huhjocl proporlY II!! doUned In this ropnrt, 011 bohalf of Ihn ttPprQlnl
UOmplll1V raoUltnllno tho lHlSlnnnwflt for lho rohHlHlcod cllolll nil tho Intondlld lI!HH of this ropor!. Tho onfr fUllulion of tho npprnlslllls to assist
Uw ullfllll rnontlollllClllI this ,eportln UlIl1lUlItlflll ttln Huhjnol 'HOlltlrty for londinu fl\lrpoyo!l. Tho WIO ot thiM lIJ1prllillal by llnynllO othor than tho
IItatud llllnndo(j Utwr, or fur /lilY olhor tUto ttUUllho 811110d Inlolldlld llan, 1M prohlhltod,
o Tho purposo oj tho AI,,,rAI6oIIM to pWl/ldo IUl opinion of ITlIukol vnluo 0' lho 9UbJIJ()1 propurty, 69 clnflnod In this rtlpOfl, on bnhalt at tho apprulru,l
oOlTlpAny 'nulUlatlnu ,110 ol;slUIIIJlllllt 'or tho rohHflnooc! diufll m~ lhu Intondod uSllr 0' this wpm!. Tho only hmGtlon 01 the appral9al18 to osslst
tho elloflt Illfltlll(lnod in 1hlr, '"port III oVllluatlnn thll suhjmJt proplJrly 'or ROlli F.slalo OWllod mEO) IHlrpoRofl, Tho liSt! of thIs RpprAlsal by anyono
olhor thall Iho Iftlllod Intondod WHIr, or tor Any othur UMO Ihan lho 8\lltlld Intlllldud WIfl, Is prohlbitod,
o Tho purposo (IlthlR upprulslllls to , 011 hohalf of thu "flpral!ull oompnny fBCllltatlnn tho El8slunmenl for
tho roforol1Clod ollonlllll tho Intolldod usor of this rflpart. Tho only funotlon 0' tho llJlprltlsolls to asslsl lho cllOnt montlonod In this roportln
eVllluatlng tho suhjnot proporty fur , Tho 1ll\O uf thi~ npprul8111 by nnyono other than the stalod Intondod
"'R' "' 1m no," o'hm ".. ....h ".h ,
I ~ Thl, I. 0 - ,\w,nl.nl wrlllon In . Rllp<'" 'orrnnlll"d Ih. USPAP Oop.r,u,o Rulo hno no! boon invokod,
This III a Urnllfld Appfllls81 wrllton In 0 Summary Ropon forrnntllnd tho USPAP Departure Aule hMbeen Invoked 88 c1lsclo8ed in
- ...., ., "I.. "' , Iho ""~rt, Tho ollon, hn. n<"..,1 'h.. . 11.....",1 II, - , ..,
100 Tho l'lpprnl9ll1ls bRsod on tho InformaliDn {llltherod by tho Itpprals8r from publle reGDrds, othor identified 8ouroo9~ Inspoctlon ot the subjeot
propnrty and flolghborhDod, lInd selection of comparable 91'1108, listinns, and/or ronlals within 1ho subject markot aroo, Tho original aOU~OB of tho
comparnbl08 Is shown In tho Data Soureo soctlon of tho market grid nlong with tho source of confirmation, If avoltablo, Tho original source Is
presented first. The HOlUCOR ond data uro llOnsldured rolioble. Whf'" oonfhC1tlng Information was provided, the sourGe doemed most reliable has
l:-oon used, Data believod to be unrulloblo was not Includod In tho report nor used as It basis for tho valuu conclusion, Tho oxtont of analysis
applied to Ihls assignment may bo IUrIher Imparted within tho roport, tho Appral!lor'~ CertifiC1a1ion IHIIDw and/or F.lny other S1otoment 0' Umltlng
Conditions and Appralsor's Certlflclltlon slIuh as may bo utilized within tho Freddio Mac fDrm 439 or Fllnnlo Moo form 1004b (dated 6/93), whon
~ A roasonltbla markoting limo for the flubloct proporty Is ~O-9Q dayls) utilizing market conditions pertinent to tho appralsnl assIgnment.
I . , .h. ."hlno' , ,. ,1,,,/.\
-
I oerUfy thot, to tho bos' of my knowledfJe and bollef:
Tho stotOlf,ents of 'nct contolned In this report lift! trlle and correct.
The reported analyses, opinions, and ooncluslons aro limited only by Iho reported aSflumptlons and limiting conditions, and tHe my personal,
Impartial, and unbiased profossionalllnalysos, opinions, and conclusions,
I have no pro sent or prospective Interest In the proporty that is the subjocl 01 thl~ roport, and no per80nal interest with respect to the parties
Involved, unless otherwise stated within tho report.
I have no bIas with rospocl to tho property thaI Is tha subject of this roport or to the parties Invlolvod with this a9slgnment,
My engagement In this asslgnmont was not contingent upon dovoloplng or repDrting prodatormlned results.
My compensallon for completing thi,> 6sslgnmont is not contingent upon tho dovelopmont 0' reporting of a predetermined value or direction
in valllO that 'avors tho causo of the oUtlnl, t1Ul amount 01 valllo uplnion, Iho IItlainmonl of a stipulated rosult, or the occuronoe of a
subsequent event directly related to the intended Use of this appraisal.
My analY96a, opInions, and conclusions were devoloped, and this reporl has been prepared, in conformity with tho Uniform StMdards of
Professional Appraisal Practico,
I havefX) or have nOlO made a porsonallnspoctloll of the property thai is the !HlbJect of this report. (If more than one person signs this
roport. Ihis oertlfication must clearly speolfy which Individuals did and which Individuals did /lCJt make a personallngpBctlon of the af.lpralsal
property,)
,. No one provided signlflclmt professional asslatllnC10 to 1he person signing this report. lit thoro aw oxceptlons, the namo 0' flach individual
providing significant profosslonal assistanoo tnust be stated,)
NOTE: In tI1e c... of .ny coollel with . clIenl pl'ovldod ._lIon U,... F'nM III.. or F,oddIo 1/1..1. thI. ,......., __lion shaM tU.
precedenc..
Supervl.ory Appr....r.. C.rtifk:.tiort: If a supervisory appraiser signed Ihe appraisal report, he or she certifies and agroos that: I dlreotly
~lJpervige tho appraiser who propareu the appraisal repDrt, have roviowed the appraisal roport, agree with the statements and oonolusions 0'
thfJ appraiser, agree to be bound by the npprulsor's cerlificfltions 1l1lmbfHf}(1 2.7 and 9 on tho o6cond page of Freddie Mac Form 439 6.931
Fannie Mae Form 100486-93, or the third pl;ge of form 2066, and am taking full responsibility for tho appraisal report.
/,-h,\
~,/- }
--
APPRAISER: ( // SUPERVISORY APPRAISER lonly If ".q.....l:
Slgnatllre: ,~ Sirlnoturo: ....-...---..-. --
Namo: D~vid M. Eskin Name:
--- ------.....
Onlo tho Roporl WaR Sinnfl(l: 2/9/01 Dale Iho Report Wll9 Sinnod:
Stale Certiflcallon II: RL-003174-L Stille CortifiC:lltlon N:
- - ---~----_.- -.--
or Slflto lioonso #: or State L1censo II: -- -- ---. -
Stllte: ~8f1nsylvania Stale: u
.. -- -----
El(plratloll Da:e of CfJrtlfiGallon or Lloensf) "une 20, ~901 Ellplratlon Dole of COi'lIflcation or l.loense .--.--------
8 Did in,pocl .unloc' proporly 8 In.poctod Compo,.blo.
Intorior & ExtQrlO( Interior & Exterior
Extorlor only Extarlor only
USPM'Cofl1ph'"Q, Adll.ndum. 4199
~-- --- -- -- --- - - --., -- -- --
Ridge Marketing Associates
Fllo No, Sk1Q_fL_
MCSFQf'TllJSC
MCS, II [IIVlfl<!n 01 !lei O.".I<lrmllnl (!l00) 60]. nllJ
r'glllo'l
- -- --. ,--- .- - -, ._, ,--...._._~.~ _.~..._.,. _n_ --- .,~...-. - -
, , , ,
"
APPRAISER DISCLOSURE STATEMENT
1. Name of Appralset:
David M, Eakin
2. Class of Certiflcatlcm/Llcensure:
- -
o CortUiud OOIlfHal
fK) Liconsod Residential
o TOlllpormy o Gonoral [i} L1censod
Cortification/Llconsuro Number: Rk.OO,~I 7 4 - J,.
3. SCOPB:
This Report fK) is within tho scope of my Cortlfication or L1conse.
D is not within the scope of my Certlflcfltion or License,
-
4. Service Provided By:
lX] Dislnloruslod & Unbiased Third Party
o InterfJstod & Biased Third Party
o Interosted Third Party on Contingent Foe Basis
15. Signature o~o~arlng and reporting the appraisal
~St/
------------..--------- -..---~.-~~-~ --, ------ -- -- ------
--
This form must be Included in conjunction with all appraisal aSlllgnment or specialized
I ,service performed by a state-oertlfled or state-licensed real estate appraiser.
-- -- -
Ridge Marketing Associates
Fllo No, l!k20_~.
Mes" Dlvl,lon 01 ACt OIVflopm,nllllOOJ 697.1183
MCS Form ADS
.
.
Jd Destroying Insect Infestation Inspection Report
,Is not a slruclulal damago leporl. This lorm may nol be allorod.
1~:=~~~~lc~=~~~=:~JJ~LI~~~~6~f6~~.. ..... . C)1W~:~~;:.o.i.le No
2843 NORTH FAONT STREET PlOp.'ly Add,o." J-
HARRISBURG, PA 17110 I/oll /1//(., 5 i,"~_ f
('11'i)221.1004'FA)((717)2~:.IOO!.i I!t {. / /. ! />'l
t'1../ V'.., (" ~ (-, (- rli,
StrUClurO(B)11l8IlUC od, '/
"1 ' ..... ..-....-..--.--,-...."..'--"-.
FIINVA Co.. No III n"y):
( 0 '
ICtlO I. nlp.cllon Findings This U'IItIl! IS ilulkllllvl'uf lhe l'1I11dltlnlllll' lilt! ~\Ihjl'l'I..HHH'lllll'(!~' 1m IIf.. t/t'Il' "I"u-III'\/"',-II,," may ulUlll4
Nfl/lll h4' cum1rucdlts IU1 '!ll,llft~"'''iill- hUllh,'d Wllllllllly tlI !~\UltUllll't~ uJ.,tIlIlI.l\llllWlll,l'UIICt'lIll'd,tII' I'UlllIl'lllh~.~lllljtlll orddt'\'ls. AllY sill'll wlmnllly 1I1'ncrvln'
"srecll1enllu l1ruvldc future IrclIllluml Clr hlSllCCllolIs lIluy bl1IUlJVldmlus II NCl'lUllll.' 1I11llchmclIllIlId ulIly If iUtlh:llll'd ill S(\l'lloIlIV,
,~tt Sutim. I.t un sid, 1 lor itlllwrtml/l"jomurtim" Oascd orl R (lllrlllul vlsuallnspoollon ollho ruudily nccosslblo nHIlHl of tho slltlO!uru(s) inspoulod:
kK No Vlllble evidence 01 . wood d.."oyIIlO irlOoell"I.,lollolI w.o oboervod.
r l b, Vlllble ovldence 01. wood do.lroyl"g 11I..ellllloololloll wns ob.ervod .0 tallow.:
I I L1v.III..cl.; (d..Cllplloll & locnlloll):
L II\1s~ct paris, fr089, 8)(11 hol{/s, or ohollo( lubos; (dcscrlnUon & loeollon):
[ 11J~~,o~;'r~~w~odd..lrllyIIlO In.ocl~ wos 1I010d 111 1110 101l1lWlllg m..(o):
RClCurdlng visible evidence or wtlltd dl.lslruyill~ illsecls: The inspcctor lI\uy l'iml wood which hll.~ hClllI tllllll1l"l~d hy Ill!ll'clll. AllY dllllltlllC llolcd
shuuld h(~ cUllfoIldl'rcd unly liS cvidt!l1l'C or ClIHl'nl or pleviulIs illk"tllliuII of wuod (kslwyltl~ IIISl'cIS, If 1m", h l,~ dlCl'kcclllhuVl', it ""wltitl h,
""defJ/oud IlIal.t""" ,leR,tt f~f Ja",,,g,. 1,,1'1,,11;"1: hi,Mt" d,"'WHf. m",V he l'l't.ftll/, '1'11(\ illsllcrltu's ll'lllnlng Ullill''''fltJrlclIl'l' do nul 'Iullliry
tho iml'Cclur ill dlllllagl1 cVlllullllulI m 1111)' ollU'r huihlill~ l'UIlSII'lu:tlulI IcchIlCllo~)' llud/m H'JllliL lJpulI ,'crel,_l uf Ihl~ r~lw"l, Ihe Sellol' or Ihe
Seller's Agenl Shlllll10Ufy the Buyer IhlllllllY l'"Il111~l' ,~h(luhllll' 1:"'111111111.'1' lIy II (jlllllifi('d imlivhluullu d('tl'flllilll' thl' nced 1'01' tl~lmir,
Any vl.lbl. .vld.nc. ob.e,vod al>ov. oppoo.s :
~, Active; I..otmont r.commond.d 011111.11100 (Nolo: FHA alld VA roqul'o I,oulmonllor .lIocllvolnlo.IOllolI.)
Inactive; no Ir.olm.,,1 r.comm.nd.d 01 1111. IIl11a
Aotlvlly end need lor trealmanl oannol be det.rmlned wllhoul lurlher Inveatlgellcn, Hon.on:
Inll1any CII8CS. b:lscd "Itelll vl!llhlc sigm~ uf illfCSlnlilJn hy woud dcslruying iIlSCc.:ls, ills lIull}(J.~slhlc without hl'lllll'iluf suhscqlll'lIl insl't\CliulIS
und evalulIliun" over 11 pcdml uf lime tOllscerlllln whether 111I illlt\SllIliull is llc.:tlvc or Ill1lClivc. If II wllrrllllly or sCI'vil'c llgtecmcnlls In erred,
lhe CUlllplll1Y which Isslled Ihe WltHUlIly or scrvh-c Ilgrl'cl11clII shouhl he t:ulllllt:h'd, I( 110 wllrntllly or SCI'Vkl~ "llrcclIlclIl is In effecl, Ihe
inspecting cUlllpuny or lllluthcr CUlIll'llllY IlII1Y providl~ IrclIlmcnl, II' 1CtlllcStcd IIml pcrmlllcd hy fl'gulullulIS, rur 1111 lldtlllltlllUI fcc,
r- lit appears thallhe slruclure(s) or a poflion lhoreo' may have b90n previously lfoaled, Evidence 0' previous lroalmenl:
This cml1l'1lny l'lll1 Idvc 110 llssurlllll'("," whh rl'~IHtl 10 Wlllk Ihlll 11I11)' 11lIVl' hCl'1I Iltcvilltl~l)' I'l'r1onm~d II)' t1lhl'l l'(II11I11Illk.~. The COlIIl'llll)' ....,hkh
hcaled Ihe IHUllCtly !lhuuld ht~ CUlIluclcll h)' Ihl' nll}'l" I'm 1H'IIII11Cllllllld WlIlfllllly lllfurllllllitlll.
Seotlon III. Treatment WIl,/i, ,elleduledl" lie l",rl"'III,,1 lIy IlIe ill'IJCl'li"g """lliIllY: I J yos LJ No D61e:
Tr.olm.nlll..c.lpllon:
Seotlon IV. Attaohments The 1"lIl11vllIg Ij"tcd nll"elllllelll, "fe jllleglllll'url' "I 1111, In'l",clloll rel'orl:
Seotlon V. Obstructions & Inaooesslble Areas
The rulluwlntt urCllS or 1j;',lilrUChllC(S) Inspcl,'!cd were ob,~lnll'lctl ur Illllccessihlc (see ilelll "tin sidc 2):
"" Bo..msnl "'J.-',.,J~~'l........_u.. . ... . .
Crowl Spaceu ,-5" :3~"'7 .
aln L.vOI)o;I'f) ',J.. 11u1
Allie XJuL___m. m._. .
Oo'ogo .", 7 -
'I.rlc. _") .~ 6
Porch
Addlllon
Olll.r
_n ;)) ~
The InlJpoolor l1lay write oUllnadC8sslbte ama, or
U8e Ihe lollowlilg key:
I. fhled celllng!!
2. suspended oalllng
J. U~ijd wall cOllorlng
4. 1I00r covering
5. Insolallon
6, cablnols or shelvIng
7, slomd Itoms
O. furnishings
9. nppllAncos
10, "0 ace,,!!! or onlry
11. limited Deco!!!!
12. only visual access
13, no accass benealh
14. Cllullorod cOlldltlon
15. slandlng wale,
16. dense vogelOlloll
17, flxloflor covsrlng!!
lB. window Willi cove's
19. WO(1d plio
20. anow
21, unsale condlllona
(IIlUY he continuell on side 2)
Seotlon VII, Inspector's Signature:
ony Inler.'lln Ih. l"tll'efIY,
Neither I nur Ihe CUI11I'IUlY I'm which 111m llcllng havc 11l1e1, prcst1l1lly hllve, ClI' eunlcmplnltl hilving
C.,lIIleolloll 0' RoOI.I,ollon No: (II opplicobl.) Dnl.ol n.p.cllon:
~
Seotlon VIII, Slatemenl of Buye ... Sellel Thl" le,""lls Illlegrnllo, IUlllnlleeessary pal'l III Ihe illSl'eelillg cuml'allY's filII dlsclusul'e as
lolhe seul'e alld Illherelll IImilaillllls ullhe IllSI'ecllullalllll'('lllIlI ul' nlldillgs, It Is musllmlllll1allllhllllhe Illlr"c'Ic<1 "arllcs llcklluwledge Ihls advice,
The Seller hereluagrees Ihal all kllUWll I'n>"erly hlSltllY Inl'lIrmaliull rcgm"lng WDlllllcslaliull, "allmge I'romllll'eslalillll, alld Irealmelll hlslory
hns beell disclllsed Iu Ihe lIuycr.
Slgnalure 01 \.:.\ Sollor(s)
.. OWner(s)
(II ,.lInonclng) X
[e
Th" olldelSigllerl hcrehy ackllllwledgr" U'",'i"llIl' a cUI'Y ul' litis u'l'lIll
:uy.,.. Slgnolu,e: I Dol.:
This reporl mufti bo signed by Iho Ouyor and Sellor liS appllcablo, ^ loglble copy ollhls signature page musl bo returned 10 Iho Insp&cllngcompany
by Ihe porson ordering Ihls InspIlclloll, See lea lion IX on sldo 2 regarding the Icope ... IIml\allonl of 'he Inspocllon ... \hll report,
Forms VA 26.6650 and ftUD,92053 are ob.olelo allor3/30/95, Submll an Orlglnol alld Iwo copies, Sldo 1 lorm NPCA-1 (8/951
Marital Property Value
9. PNC Checking Account (Joint) $371.41 (3/13/98)
to. Fulton Checking Account (Wife) $242.17 (4/5/98)
Ii. PNC Savings Account (Joint) $484.42 (3/13/98)
12. Fulton Savings Account (Wife) $2,026.52 (12/31/97)
13. Fidelity IRA (Wife) $7,186,70 (3/14/00) value
14, Fidelity IRA (Husband) $8,580.58 (3/14/00 value)
15, Miscellaneous Household Goods To Be Detennined
in the possession ofhoth Plaintiff
and Defendant
16, Cash personally withdrawn by Husband In excess of $17,000,00 per
from joint account with no accounting year
for the disposition of the proceeds
B. Non-marital Property
1. 1995 Ford Thunderbird (Received by Plaintiff as gift from her mother)
2. PNC Savings Account (Daughter Julie's account) # SI-3014-8516
3. PNC Savings Account (Daughter Laurie's account) # SI-3014-8938
2. EXPERT WITNESSES
1. Barrry M, Leister, Jr., F,S,A,
500 Nationwide Drive
P.O. Box 5900
Harrisburg, P A 17110
Mr. Leister perfonned a valuation of Husband's (CSRS) pension and wlll
testify regarding the same,
'.
APPRAISAI.IU\I'ORT
lllJ1Sll.l1lJllT
Properly Address: I lOR Allen Slreet, Now CUlllheilnlllt, PA 17070
Legnl Description: Drcd lIook II Voltulle 2(, "nge I (>I, Rcenrded in ClIInhcrlnnd County
Assessor's Pnrcel Numhcr: 2(; .24.0R09.112 Tuxcs: $1, I R7,0.1
Properly rights arc Fcc silllple
TII..llNU1!JIHl.oRllilO1J
The suhject is loeated iutlte lIorough of New (~umhorhu\ll, The nuiglthorhood is suhurhan "nd
huilt up over ')~ poreent. No new conslntdion wns ohserved,
lllli..S.l.lll
Dimcnsions: 107,R2 x (i0,0.1 x I 0~,1)5 X (10
The suhjcet is in cOlllplianeo with CUlTont zoning, with hlghesland hesluse heing its cUl'fenluse
of single fhmily rcsidential. The site has allutililics and is nvel'llge filr the nrea, There nre no
npparenladverse easements or enel'Oaclunents, The suhjed docs not appeal' to lie in n FilMA
designated flood zone, The topogruphy is level nUll the driveway is asphalt.
LlliSCRIPTION OF IMPROVEMENTS
The suhjeel is n 4G year old, one and onc halfstory, Iype dwelling, TI1lJ suhjed hns a living
roOl11, dining area, 3 hedrooll1S find I hath, 1,114 square feet of living space, The suhjecls
cxterior is brick allllalul11inull1, It has a parlialuufiuisllCd hasement. The heating is gas forced nil'
with cenlrnlnir, Off streot parking is nvailahle,
No nddilional foatmes were noled and some signs of deferrcd maintcnancc were obscrved,
inclulling peeling paint on hoth till' interior and exterior, damage 10 hath vanity, and signs of roof
damage nnd leakiug, An estimnted cost 10 eme is $4,000,00, Photos iucluded,
COST APPROACH
The Marshallal1d Swifis Cost Handbook was used as an aide ill compulillg the coslapproach
lltiliziug "Average" qualily.
Indicaled value by Ihe cost approach is $77,531),00
SA1ES COMPARlS.QN.APPROAlli
Five sales werc cOllsidered frol11 the subjeclneighborhood, All sales \Vere dosed tl'llnsactions
within the post 12 months, Sale prices ranged Ihllll $77,000 10 $92,000, Photos included,
Indicaled value hy incoll1e approach is $80,000,00
RIlC.QNCILlATION.,
The subject is appraised ill "as is" eondition, The lIIarket aplll'oach is the heslapPl'Oaeh filrlhis
typo of property, The cost approaeh snpports the value illdieated hy tho lIIarket approach, The
incol11e approaoh is not applicnhle to tho subject because the typical purchaser is 1I10re interested
inlhe amenities the properly conlains thall Ilw incollle it limy produce,
II~STIMATI~ TIm MARKin' v ALlJE 011 Tim RI~AL PROI'I~ln\' THAT IS TIm
sun.mC'1' OF TillS R~:I'onT, AS OF Fehlllary~, 1999 (WIIICIIIS TilE I)A'I'F, OF
INSI'F,CTION ANn TIII~ IWFI~CTIVI~ UATF, OF TillS nJi:rOnT) TO HE $80,000,00
AI'IIRAISIC(k/ . .' L;J
. C:c.:
i ___.--;-'- '-
Signature \,_.".
Nall1e: David M, Eskin
Datc Report Signed: April.1, 1991)
State C\1rlilication II RL-1l0.1174-L State: I'A
,:~f:K'~?~II:!2i~;!riJJ;r~;~';;~i.~~~~;.;~~~.
Efr.rl.~t ell)'
I,
,- 1 ~ Y' -. -
tl19J(i Ilei urllle Slretl M,~'1 {1M
"-
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Mag 14m
SIIn AI" 04 2320 100')
Softie 1:31 ,2f-lJ (Elt oontl?!l)
12CXXHaol
I I(XXJ Molar.
- Seoond"ry SR/RoAdn-lwy Ramp
- MAjor COllllEtctor
- SIRte Routo
==:t Inta..talaA.hnll.d Acc."
~1 rolnt or lnlnrast
. Snmll T nwn
" GoogrAphlC! FflAtUle
+ Hospital
. r"'tklRos~IVt\llofl
tm EK~
I Corn.tory
. Populallon Conlor
County Boundary
tnnrl
=== T olllllghwoy
c::=:::o US III[lhw,y
RAilroad
w.t.r
." '.' RIVIlrICa"al
<}\ loc"le
(f) Pllhllc AlrpOIt
, Ridge Marketing Associates. Appralsal3
, "
._..._---..--.-.-::~._--,.
rll" Nu, S9010Jt1
DEFINITION OF MARKET VALUE: l1w ",nst "rnllnhl-, '1/1011 whloh fl plOI'flfly ",hlluhl hdllll III II olln.potltl..." "lid O'lflll ITltllkot
undor nil oundllloll" fllqul!:llto to n 11IIf fllIln, tho bUVIIf nlld flullnf, nnn" /Iolhl(1 pllullllltly, klluwllldllftllhly nnd fl!lKllllllfln th" prlllo Is lIot
nllnotod by undue o'\llHulun. 1IIlIlUOit III tblg dnfll\lllfJll hi ftlf1 IJOmHllllrIlntloll or I1IHII" M III n !4ponl!lml IIllln nud Hilt Ilfu1fllnu of Utlo hum
fwllnr 10 huyor ulIdm {]oflflltlnll9 whnrolJy: II) hllYor nml ~lIlllllf tHn lyplfiUlly IlI011vlllnd; PI !lutll,llUtlfHIIllU wflllllllllflllml or wHUudvlflOd,
IIllcl onoll nnUIlU Iff whlll 11ft {:n"!ljdm~ hi!> own hnnllnlnrnnl; !Jln ronllOllOhl" tllTU h. illlowfI(llor IIl<fllHlurfl In tllfI1I11I111 lIl/lIkfltj ItflllUY-
Iflollt 19 nUlIln In tOffllfl of IHHlh III II. !-i. dollnr!l fir III tmllln of IIlluI\l1Inllllffll'llfHllr1lltll f:WTlpnrllhlu tllIIrnlo; "nd lfIl tlm Ilflfifl fflJlfOnonlFl
11m 1101",,,1 nnllllldnrnlloll fnr 111(' prnpnrlv flold lUl/Illm:tod hV Hflmllnl or r1fOilUVf1 IIn11l1OIno or f1!llfln llllw:nf\!Ilollll' lIflllllnd!lv IlIlVfllIO ",lI
fwnllltncl with tho nnln.
AfljwHnlllll(fl In tho f101llIlnrnhlfl!1 lIH1nt IHI nHld" 1m "pflnlal (lr fHontlvlI 1I11l1l11l1!111 or f1nln~ IIIIIIlHIlIRIOII!I. Nfl Wlltllltll,"lI!fl II," 1U1lJflRIHUY
'or thono nllnb whllih nrrJ IJnrlllully "(lId hy !-lflllorfl IIn n HHlutt of IrndlUoll III Inw In II IllllfkHt urflU; t1l1Wll oWlln lUtI ftInrllly IdfJllllllnhln
nlnoo tllo llflllm 1'1lVlI thmw {)f1nW I" vhtufllly nil nnlo!! trflllnlllllloll!l. SlIflI:llllor mftnllVn IhulI\(IhlU wlJuntl11ftlll,. llnll 1m "Inlln to IIIIl
oOlIlJlnrnhlo IUOllflfty!ly (;()lJ1purIHol1!1 In flnlHllJllllltorlll~ nlfnrml hV /I third filii IV IIl!lIlHJlIOlIlllllJl\dnr Ihllt Ism,t nlrollily IllvulvOlllfllhn
Jlr(JfIlU!Yor trnrHlIH:1I0fJ. AllY lI11jlmtfllont nllOllld lIot ho I:llloullllod 011/1 lIIollhnrlionl dull"r for rlollm 1I(.I!It "f tllo flJltulOlll{l or cUlloonnlon,
hut thu dollnr 111l10l11l1 of ,my mlluHlmonl should npprm<!rnnto tho HtlHklll'H rl1ndlollIII UIrl Ihlllllf1hl11 or flfJlll1fHlnl{Jfl!llmnod un tho "flP'
flll~nr'R ludUlllOI1t.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: I "n /lI'I',nln",'/I ""rllllunll,,.. IIl1lt /11'1'/1",/1 I.. 111/1 /11'1"/11/1/11 r/llllllllll nllhl""II"
tho follnwlflU oondlUontl:
1. ') ho npprnl90r wllll1nl ho ttlRpormllJln lor mattnrfl 01 0 IOUll111l1f.Uro thalnffoc:tlJlthor tllll prnpmty bollln llPpflll!lod or Iho tlUo to It, Hm
npprnl90r IHl911nlft9 IhM Iho tlUo If! (loud and Hlnrkotnhlo nlld, Ihmoloro, wltlnot HlIldnr /lny OpllllllfW obout tho Ullo. TIIII proporty l!'l flPIJ'
rlllflOlI on tho hosln (lIlt holnu undHr lo~pOfmlb'(f oWf1!1f9hlp,
2. TIm np,Hnl9or hns providod n nkotah III tho /lpprnhwl roport 10 9how npprmdmnta dllllOn!1lolls 01 tlm hllfJfOVOrnolltfl, "nd thu nkoloh 1M
IlIolutllld only to onnll.t 1110 fflOrlor of tho ropart III vlfllmllzlnu IIIfI proporly nnd UJldnrlltnndlllU tho llpwo1flor'n dotflrllllllOUOIl of It!! nllo.
3. Tim npprnlflor IUll'l oXnllllflO<! tho nvnllnhlo 110011 mnps tlmt (Iff! provldod by tho fodoral EmOfllnnny Mnnfloonmnt Agoncy lor otl1fJr dntn
ROUHJfHll nnd hon Ilotmlln thlt npprol9fll Hlport wlwthor tho f1uhjoct nlral!l locotnd In /In IdfJlltlflod SIl(Joln' r:lood H01~nrd ArM, AoonwHI
11m ollprnlflor Iflllot 0 Burvoyor, ho or 111m mnkoflllo rlUnrfllltorlfl, mqHollfl or Irnpliod, roumdino thla dolorll1lnatloll.
.... TIm llfJfHnl9nr wlH 1101 nlvo tosllmonv or nrponr In court hOOfll190 110 or ,,1m Inildn 011 npprnl!lfll uf tho propor!y In (juosUon, unlasfl
n(loolflc nrron(lOlnlHlts 10 do flO hovo tmon modo Ilflforol1nnd.
5, Tho Approlser han ostlrllalo(1 tho voluo of tl10 IlIlId In 11m uunt oPPwllol1 nt Its hlUhflst nml bost lIno llnd tho IlllpHlvomnnls ot tllOlr oon.
trlhutory vflllm. Thosll Reporntfl vohmtlons of tho hllld l11l1l hnfHovomontn Intlsl not hOtl90d In oonjum:tlofl wlllt flnv other nJlprolsnllllld
EHA hlVnlld If thflY Of 0 ao lwml.
0, lho nplllill!lor hfls nolod In tho llPPfnlsnl roport imy ndvor8o nonditlons lsuoh ilR, IloodmJ roplllrs, t!oprncllltlon, tho prmlnnno 01 hal.llf.
dmlfi wAstnn, toxic fluhstftl1f1o!-l, otf;.) ObStlfVod c1urlnu tho lrlRPOOt!OIl of the suhJocI prnpnrty or HUH ho or sho henmno nwore of during
tho normnl resAoroh Involvod In porlormlllH tho npPfl1lsal. Unloss otherwlsn statod In tho flpprlll!lol wpm t, tllo nppudsm hEIR no ~1I0W'
lodoo of nny hlddon or ullflpprHenl conditions 011110 property or ndverso ollvhonlllOlltnl oonditlOlHJ IlnoludlllO tho prnnnnofl 01 hazordous
Wl1RtOR, toxic: fluhstRlICflfl, atr:,1 Umt would 11101(0 thn proflnrty moro or lonR Vrllllnhlf'!, 811<1 tHlS II!lStllllod thnt thoro flrO no such oOlldillon~
nod Illnkns no ounrnntoml Of wmrllntloR, OXp16SS or hnpllml, rfl{Jordinn tilO nondllloll or 1110 proporty. Tim OJlPfflhHlf will not be fespOll.
sible for 8f1Y 911ch condltlolls thnt do oxl!Jt Of lor llJlY ollulnoerlnu or InSUIIU thllt l11luht 110 rfl'lulrml to tllsc[Jvnr whatltor !lllch condltlolls
O,Idst. nOnl1l1S0 tho opprnlgfH I~ flnt fUl o:<peft In 11m flold of onvlronrmllltol hfll/lHlfI, tho oPJHfll9tll fOjlort must not 1m r:ollBldnrnd os All
onvlrolllllolllol ns!HH1f1nlOnt of the propnrty.
7. Tho opprnlf\f)f nhtnlnotl tho informatlon, oHllrnnlefl, and oplnlolJs thilt worn ~IlJlros!Jod In tho i1pprrllsnl roporl from SOl/rcns Ihot ho or
sho cOllsldOfS to ho rullnhlo nlld hulloVfl9 thmTl to bn truo fllld {JOrroc!. Tim nflprnlflfH doo!l not flfmlllJ10 r09pun9lblllty for the Ilnournoy of
9\1ch Hllms thot wnro fwnl!Jhml hy olllOr pmtlM.
8, Tim l1rJnolflOr will !lut dlfH1loso tho oontolllfl 01 tlm flpprnl9illlOj"lort nxoopt (l!l f1rnvldod for III tl10 L1IlUorrn Rtnlldmds 01 Profnaslomtl
^pproi9nl rrnr:licH.
9, Tho nllprnlnor hnll hn!1fld hiA or Iwr "pprOIAn' rnpnrl find vollllltloll (lOIlOIIl!llonlur 011 nppmlsnl tlmlls nubjoct to Rl1thlfnctory comp.
10110r" fopnlr9, fit tlltmntlon!l orl 1118 IIfI.!Hlfnptlon thnl complotlon of 11m hnllrovnrnonlfl will ho pnrformnd Ill/l workmflnllko milnnor.
10. lho Ilpprnls<H mllnt provlrlA IIi9 or hor lIr10f wrllloll OOlmont hnloro Ihft l!tudor/ollont spnoHlod In '''0 opprolsnl roport onn dl9trlbuto
tlm /lJlIHl1lfwl roport IIncllldlnu r,ul1ohminn.'l nllollt tho prnpflrty vnluo, tho Illlflfllhmr's Idonllty and profo991uI1Al dflsIOllatlon!t, Rnd
felorolloos to nnv prnfmlOlnnnl npprnl::lnl flfunnllnllorls or Iho Ilrm with whlnl1 11m lIpprnlsor Is 1I99oolntodl to onvono othm than tlm
hormwor; tho llIortunnno or Its mlor:omlOr!1 mid n!l!llllfln: tho lT1ort[lnoo Insurar; nnrl!lllItRlIt~; prnfmmlonnl apprRlanl ofOflnlznUoll9; fln~'
9lnto or fmlorully llpprovfHl flllfll1!1lnllllfttllutlorl; or ftllY dnpnrhnont, n{lOlll-:V, or hmlrunmntnllly of tho United StntB9 or OilY 9totO or t11l1
Dlstrlr:! of ClIhllUhlflj mHlltpt IlInt Iho londm/ollnnt rnny difJtrlhule tho j"lropnrly IloSllrlptlOIl RflCUon of 11m Hlporl only to doto onllnotlol1 or
rollnrllllU slHvllJo(fl) without hnvlnu to olltnll! 1110 npprnlfwr'fl IIrlor wrlttfln r:olHlflllt. Tim f1Pprnl!tor's wrlllon COMont flnd npprovfll mllst
"I.'IU hfl nhtulncd holoro the flflprnhwl Ollft tm oOflvltyod hy onvono to Iho f1uhllo Ihrnuuh ndvorUflln{f, putJllo rnlnllollfl, llnW9, no109, Of
other modln.
r",dt/lllMAr.fOlm<1:\!l nWI
MC~, ~ r\lvl~lnn 01 M:I OnvnlntlJ'IOl1llAOOl n!l1-71R:\
MCgIOlIl1Ir:r;
"AfIlII"I?
h!\nln M,", rOlln 10040 6,93
Ridge Marketing Associates, Appraisals,
, "
,.- .....-.--..-.-......----.-.---- '-'''''---'--'-",--~ .--_.- ~._.
APPRAISER'S CERTIFICATION: TII" A",,,ol",,, """III,," "'", "II""" '",11:
1, I flnve rmHltlrohtHl tho RUhJnol I1Huklll IIron "lid hllvn 9olootnll n mInImum of Hllun rOOf",t !lfllus Hf proPortlOfi mORt flll1IlInf oud
prolC:hnntfl In tho flublont propflrtv lor rJn!l~ldmnUo" III tho f1lllfHl fJulIlpndfllH! lIIwlvnln IIml "Ilvn IlUulo II !lollm lldll/RIIII"'lt whml
OPltruprlllln to roflnfJt tho lllllrkol Hlf10110l1 to thoRflltnum III fllll"lflnfHI' vflflntlon. I' fl !!fUIIHlmlllt 1101111" /I n0l111lfhnhln proflfHly III MlIIIOl-
lor to, or 1I10lf' IftvOIllhlo 'h.1l1, thll 911hjnnt plOlllHly, I hllvo IIl11dll11 I1fIU!ltlVl! mljll!lIIlHlIIt 10 II"luoo 1111I ntljllllllld ~lflln!l prlllllU' IIIu CHlllIp
mElillo, wnllf n nlUlIlllraml I1l1ml!! n (){lIl1fllHllhln "rqpnrty IH !lIlmlor to, or ImHl Involllhlo Ihlllllhn fltlhlnfJl,uOIIOIlY, I "nvfI nUldo lllJ(Jll<
11Ivo IIdjUfllllHlIll 10 Illorfl/H1fI tho nllluHlftfl flf,hm !Irion of tlWlJolIIl""llh'u,
2. t h.'tvo Inkllll IlItn lalllHldurllUofl t11f1 fllotorll tlllllllllvf1 flrl hnpmJt 0/1 vllh/flllllllY dnVlllo!lllllll1ll1ll1lfl fJ!Hhllllln 01 m"rklll vnhmln Iho
npI'lnhJ/lI ropOlt. t hnvfl nnt klltlwlliutv withhold /lily HIUllllllJflllllnhHlllflt!on hOlIl tlw (1lIprnlflol "'I'0(f, 1Iml t ImllflVfI, tll tho IlOfll "' my
knowlnrlllfl, thllt nil nlntnlllolllR ilwflnfolllHltlnllllllllfl nlll'rnl!ll1l '"IIlIf! 1lI11lrllfl nlld OfHlflf:t.
3. I ntnlfld 1111111I n,'prnlflul "'I'01t ollly Illy own IJOfflnltul, IInhl/l!lfIrl, nnd IIrlJlmHllolHl1 nllnlYllhl, OpIIlIOlIH, nnd f)(J/lIllu:dOllfl, whlflh /Un Ruh.
luot Ullly In tho r:Olltlllllonl 1U1I1 thlllllllU r.ondlllollH RflfwHlnd III 1111[1 Imm.
4. t hllvn 110 "r"'HlIII Of PHlHPOcUVflIJltOrflHIIn thn proporty tllOlIR tho !lulljnollo lhlflloport, fJlHfl hllVfJ IlO f"mulIlI or proRl1flr,Uvn f'Of'
HOllnl IlIlm"!!l or hln~ wHh IURI'flIJt In IIw pllltlnlp11Illfllll till! trfH1!l(wtlon. I rlld 110t hrmo, ollllor f",rtlnlly or oOIllI'lololy, my oll"IYtlln
lInd/ol t1w oflUlJ1lJtn of lIl"r~nl vllluo In 11m npprllhlill 'Aport onll1fJ HUm, (1{JInr, rnlj{llnn, "0)(, IInlldh;nll, l"millAI Rtlltun, or Imllonnl orlglll
01 oitllll' tho prnn/lontlvfI OWllorfl or O{)fJupllnl" IIf Ihn BulliofJl prnplIfly (If ollho fHlHlrlnl UwnOHI or Of:lJUflllllIR of tho proporllofl In lho
vlnllllty of tho Rubinol PfOporty,
6. I 'mvn 110 prmllml or I:ofllornplntod IUIIlIO Inlnrml! In Iho suhJoGl proporly, nlld lloUllor Illy l:urronl or IlIluro nllllllnynHlnt nor IIlV
oOlnpon!lntlnn fur pnrlurmlnq IhlR nrplOlnnlls oOllllllWlIl1 on tlHlllpprnhJOd vnlun of 11m propmly,
6. I waa nol r"qt/lrnd 10 rnrlOrl a prndolOfllllnod vnhw or dlrootlon In VflllIolhnt fnvmn tho emmo 0' Iho f:1l0ll1 Ilr OilY minIm I ,,,,,tv,
tho U1110llnt of Iho vnlllo ostllllnlo, tho ntlnlillllflnt of fl IJjlor:llln rO'llllt, or 11m OnClUrO/lao of 0 !lllhsoqUfllll flvnnt In ordor to rocfilvn rny
cOlnponsAtlon nnd/or omploymollt for porfounlllU Iho npprAi9!l1. I did !lot tlima Iho !I"pmlsnl ropor! 011 11 roqlloHtod lllinhnUIlI vAluatloll, 11
speoific valufllioll, or tho l100d to f1pprovo 11 spoclflc Il\flltOllUO IOIlf!.
7. I porformod thl9 opprflisollll r:onlnrrnity with tho Unlforlll StflmfrH<19 01 Prol09910llll1 ^pprol!lEll Prootic" Ihlll worn ndollted oml ,Ifl)-
muluatod by tho ^pprahHlI SlnndElTCfn Oonrd 0' T110 ^ppfnlRIlI roundnllon nnd tlmt worn In "Ioao n1l of 1110 offnollvo doto of Ihis nppralRltl,
with Um oxr:optlon III Iho dopmture nfovlnlnn of 'hose Stl1ndnrrl!l, whloh (Ioo!lllot oflply. I noknowlfHlUo t1lOlnn Ilstlrnnto of n fonson.
nhlo tllnn lor llXpOfltJlO In Iho oron markot Is n nondllloll In t1w dollnltloll 01 mnrkot vHluo And Iho o!ltlnmto I dfJvoloporl 19 fmllshHont
with tho rnnrkotlno 11100 Ilotod In tho nolghhorllooll flOf:UOIl of HIll'! loport, urllnRR I hnvn nthorwl!IO !1tatfld III tllfl louOIu;lIlnUoll Rflnlloll.
8. f halJo porAonolly IIH'Ifloutorl tho Intorlor nnd oxtnrlar nrool'! of tho stlbJocl proporly nml Iho fJxlorlor of nil 'H~l'Hlrtlog IISlod 1m IJOlllflllr-
EtbloR In tllfI l'Ipprl'll.!wl report. I fwtho, corUfy thot I hnvo notod [lny oppnrnlll or known orlvorna conditions In Iho RlIbJfw, hnprovomolltn,
011 tho suhJect alw,or On (IllY olto withIn tho ImlllodlOle Vicinity of tho Bullloul f1wpnrty 01 wlll(:h I nrn I1wmo (ll1d hovo mndo odjufltmofltn
for those ndv8Ian oondltlonfl In Illy lHJaIYAlg of Ihft prorally volufI to tho oxtOll1 that I hod morkel ovlclenco to BUpnOH tholn. I hElVO nlnu
cornnlfJlltod oboul 'ho ofloct 01 tho ndvorRo aondltlorm Oil 1110 l1lorkotElhlHty of Iho suhJoot PlClflorty.
ft. I IlorsoIHtlly prollfllml till UOIll:lufllollS Itnrl opllllonfJ nhout tlw roal 'J!ltntn tlmt woro 90t forlh In tho apprnlsal roport. If I rolled on slU-
nllloiUlt prolesslonal nflslslnnoe from onv Indlvi<luRI or Illcllvlcluflls In tho porformnnuo of Um npproll'!ol or tho propnrntlOlI of tho ltppralsnl
report, I hnvo namod RllOh Indlvlduall~) flml cll!lcloflod tho !lfHWIrlr: IORks Jlerfalluml by thom In ,ho If!OOrlOlIlfltloll sanUon of this opprulsnl
roport. I t.ortlly IImt nny IndivIdual so nmnod Is quolHlnd 10 porlorm Iho to!lkR. t hnvfl nol nUlhOlllfHI ollynno to mnke 8 ohango to f1nv
Itom In tho (Aport; thorlJloro, If an UlHtuthnrllmll:l1m1llo l!'l mfldn to tho np",Rhml fororl, I will tllko no rosl1onHlblllty lor It.
SUPERVISORY APPRAiSeR'S CERTIFICATION: If. ouporvl,olY .pp,nloo, ol{ll1od 'ha opp,,,loOl roport, ha 0' ohe oo.tllloo
nnd nurnes Ihnt: I dlrontly supOlvI90 11m apPlolMr who proporod tho opprolllol rOllo,t, hovo rovlewod tho npprnl9ftl report, ogrno wllh
tho ~tfltOlllfmts fllld cOllGhmloll!'\ of tlm ollprnlsor, n{lron to ho bound by thfl ^f1prnlsor's Cortlllonllol1!l numhn,od 4 through 7 ohovo, nnd
nrn Ull-:.lng full rORporHllhlllty lor tlm f1pprolRnlllnd 11m npprnl~HII roport.
ADDRESS OF PROPERTYAPP~AISED:
:I,~-Q!l--~~!lm_~tJ.:!!!!J;.L_~~w.._~,,~!~_q___..___
--------~.._------
R I . (
G----__ _
:::'l::S~~:.c__,_,__ ___ _
Nnm.: PI!V'~<,I..~!._1!ll!lttn_. ___
noh Slll"",I: APFJ1..}, _~jl_~.._
Stntn COItlflr.nlllll1 No.: .~_:_Q.Q3_174_-_1!___.
or StEltn lIaonRfI No.: _ ______.._ _____..______~_.
S,o'o: 1'1!l.!lI!I!Y!YlI-,!h____
EXIJlrntlon Dnto of Cnrtlllontion or UcnnRo: J.~g~__~_QL_J,,-?_'9_..
SUPERVISORY APPRAISER 10"ly II ,.qulred!:
SignAture: ~_____...___ _.._________ __~..__._.-----.-----__.._.____
Nnrno: _ . _____.__..____.__ ._______.._..____.__.___.._______._____.___~
Doto Slnlmd: _..______.~______.._____.~.______
Stotn Cartlflnnllon No.: . ..___.~._________._._______.____
or RiolO UOOllRO No.: ."______m_______._____..____.__
SIotu: ______._..______.__.__._~___.____~_._~_._.
F.xplrnUnn Dnlo of Cflfllflonllo'l or UOOflAA: .~_....__________
n Did 0 Did Nnt IUAllont tho Property
fff!llltlttMnnl'OIfl1 <'l1!l ~ "1
Me!':, It fl!vl~'1l11 01 ^Clllflvnlnl'ltlllIll mool fI!11 1101
MCRrmmlr." I'lIlln'JIJI2
fll,,,1/n Mill Fntm 100"11 ("'1'
Ridge Marketing Associates. Appraisals.
, "
. ._---,_.._....~_.~'" .._._.~---~------_.
APPRAISAL ADDENDUM
Fllo No, !l?!!1_l!.U.
_P.Q!!\l>'lJ!!/G!!ml\ _ _N!l!1QY_ !lllIo""
--rf(lI)9.r!Y_Af"!m_~_gl!~J\J~J!ln .1lJ:J;tlItl1J:___ . ~ ______
-. G!.tYMllIw_G\lJnI>",J;~!l!1\i CO\!mV Y~JJ;It_.
I.olldlll Jam.", Smith, Durkin, and conll~_
St.!ltfl_PA_
--__ llJ'_l::.o_flr!J?Jl7L_.. ---
]
IH fHllm~ ",Ino with/II 10% of UI!III""m ulld of fhll !llnuln fnllllly ,,,inn rOllllU?
!fno, dt)fJn thhl rflplnnnllt /Ill uvnr.hHIIHlvnlllflllt lor lhn 1If1lul1bml!f1od?
!i/~
YfS Il
NO IKI
._-, .'. . .----_" '__"'n_ . .__.____......___.."_____....__.___..___.__......
-. -----..-.~ --- ...-~._----,____.c__..... ".____'.~_____._ ._~.....___._...._._.
...--- . . ..----- -- - . ....--,..--...-.-~._-_....--~....~- "'-~-"'."_'_'__ _.n_.
II nprnnlllod vnlun In III OXOfJS9 of IlfodornhuHlt vIIIIIO, pl01l80 mmllllUnt:
~/!L ___ .._____~__..___~~________._ .__._____._______._____..__________.
.~--_.~_._~-~_._........_~--...._--~_.._-,-~._._-~--------.~.-.---------------
.... -....-----. _..~-_.- .. ..._----......_..__.~-_..~----..__._---..----
II nalnhhorhoorl VAIl/oS mo 6tnhlo to donlinlnu, tHO thoro flOaillvo 111r.1lontora In tho hnrnmllnte nlfukot flren 01 your 9uhjeollhat valUAS hava
'h"tI"mo" Olll' / Y~S [I NO []
If vos, nlOflSO lustlfy Any nfl\lfttlvo tlrno ndjustmollts Us Ad I" ilIA snlos oOOlpnrlaoll "nAIYAls:
!l/A___________. ---------.-----.- --'______________._____.__.____ ._mu_'__.______________
......----..-....--.-.---.-----...---.-.-------....--------.._-_.._----..-.._'~..._.~-~_...~_._---
...._._------.-..._--.-...._-~----._..-._--_._-~.._._----_._-_..._~_.__.-..-._._----~-~~_._--_._~.._--
-._~~---_._._~----
It IIU, ploaRn I)fHfllllOnl As to why nnnfltlv<J limo ndjlmtmontf: woro Ilot utillzod:
t11!!_.__._ m____.._______~_ __._~___. ___________._______.
.__.-...~-.._..~--_.-.__._-_._--_.._..._~-.._._--._--_..
. '~-""--" -.-.- -... .----.. -----~_.._---
..._---_....--._----~...-..-...._-_.__.~._---.-----_._~.----------._-~-~_..-...._._---
.-.--.. -...--......------....------.-----.--.-.-.--...---.-.----...-----.-.
II tho pros ant Improvomonts do nol conform to zonlno H1Utllntlofls, jlh:IEH-H1 o)(pl"ln:
!!/!!------.--________h____._._________~__._ ---. ---------.--------~----.---.-------------______h_._______
.-.-..------------_...---~_._---._~.._._--_.._...~-....~_._.._-~..._-----._._---------_.._.~-"-_....._~.__.~"---_.-...._-~~_..._.~-----.-.
-~--_...._------------._....._-_._-_._-_...._----.__._---.....~..--..._----
.,._---....~.__._._._.__..._-_.~--._----~
Do tho Improvollwnts COlllJtlllilo " lognlly pOflulsslblo usn of tl10 l/lm/7 YES [RI NO []
Lorial non.conformlng proporty cnn ho fUlly f(lOOIlSIrt/Dlod If elthor rmUnlly or l;:onlplolelydflstroyod. Pleas" comment:
!!Li\.______.________~__ .-----~-.--_.__h...._______._______.______._________.._______________._______________
---.-----....----.--...-.-~--..---~--.----._-~--------..,._~___n____...._~_..__._~"..___._~~_.
..----.-..-----...---.-----.---.-----.-.---... ..~---_..._.._-_..._--_._----_.._._-~---._.__..-._~--.-
_.__._--------_.~_.~.__.._-_.._--_._---~._------_.._----------------._._~
If wall nnrl/or 1l0ptlc: litO noted, fHO thoy 0011I111011 10 tho areA 1 YES 0
If uncommon or uontnmlnnlecf, ploASe commont: !Jl~_._~._._~_______________
NO 0
--_._....__.._-_._---_..._~-_.._-~..._--._.._--------_.-----.--------------------.------------------..-..---
--------....,.---..~-----
.n.__._____.___.._...___._..__
-..n...----,-.-...---_..__..._..___.____..._____.m._______._.____.._~.~_.~.~~__.
....-. .._-_.~_._._----------~~---~.-._~.._-----.._-_.-.._-_...----------._._~---,~-----------------
II tho stroot j~ IJrlvnloly malntrdnnd, whllt Is tho nosl to the homfJownnr?
!!/!!._------.---------.----.---.--.-----
----_.._----_._-~._._-----
.... -_._'--..-.....__..~-._.-.-----_._~-~_._.~._-_._--
Should thl9 odvorsoly nHrwt tho rnnrkntnbllltv of tllO IrnprnvolT1f!llts?
!I/Jl,__. .. _u n__ -~-.-.----____.u__.________________..__~_..._._.._____.___________~~_______
..-------., ...~ - - -...-.---...------ -----.--.-.--
- .._...~.....__.,._-_._----,.....-.__._------..~..__.---~_._---'----~._--_.
111 lllOro OilY t1vldrUlf10 III dnmpllOIl!l ~~~ IOllnltoRN'q __ !1flttlollllllll Nc> . ?
If so, rln you Ifwornrnnnd 0 profmHllnnol hlflPOfJ!lOIl?
YES I~I
NO [I
Commonl.: ~!1.!l__!!l!!>j'.ct_i!! _al>p~!\i!!ad.j,n _ ~~!!.. P;-!!!!!!l!t_QcmdJ_J:J,!>~ ,. .-~L;I,!!-".!!J'-q".~!!lId!!!U;b!.~,.l!l!M_L_.__
~'c>Q{"t' '!'1!!l!\lin.._t"'!'ro"~. fo~. uS 19t1R. Of~!!!lltil!g~W!\",Yi.!! 11;>1_!!!l.!:. th!!-time_Q.L.in!!p.!!P.tiQn,_______.__._
--..---------- .-... . '-.- ...-.....--...-..---.-.
. -----.. ...---.-..----. ".__.....n_..__~ '''___''~''_____'''''___''__
,._-_._-...._.~---,-.-
rmm^A!1
Mcr" /I rJII/I~lnll III ACI 'JflVl1tfll1nlflllt moot O!H.1JAJ
rllllll I lIf :1
Ridge Marketing Associates, Appral!!sls
"'\::::::-:'
;-;,,;,':;',:,,:::;;:;
"',-,-,-,
;.-,/,'
:-'.".<
'-:',::::.i.
.:tr;;:x:{~::m
;::::':::~,::;~:'::
" :t~::!~~~~11~~~~i~~~~~~
;~i11rJ.~~~t1fiJ:;~,~~ri;li&;::~[f{;:;'~~;1~::t:j:~~\::.t,;. ~,:':,,;;-:~,:,:,;:,-:-"':':-,:,:,'::::\;;~">,,;.-.,
'$A~~Q'Q~M~A~A~~..ANA~V$I~
,.~
.,',.,.......
If you URod tlllY llUl1lpnrntJln 8ftla \lmt roqlllrml tutlllUHIIHI "djllstmollt of 20% Of !mUvlduol "dlwHlIlnntR ol<OfIOlllnu
thoRn WnfO tho hOBt (){lH1pOfnhlo linIn" In utlllw nllll why thuro nr" lint huHOf 11011lpllfllhlll f1l1lnn III 11111 omn:
t!/,L___
16%, "'1'10111 hm" why
II YOllll!wd RIIY fltlllll'nrnbln lmlo~ thl1t wnn OVfH 111)( IIlflllth!lllld or IUlt !lfllU Illn Ruhlnot, f1)(lIlnlll wily tllOllil WfHn tho hnnt C(lll1pllrnhluH
Avnllnhln Rnd why tl1mo lHlIlIUlllltlfO IfWOllt RAlnn ur Ilfllllnnt flllhlll AVllllnhloln thin AWIl;
PJ.I-,,_~g~h~ .U!1lH~t1!!\!l\1!:J~Lqf .~t:..!!~~.:r,:~..JIL tb" l!lw>j.Cl~.. !!.~ghI:!Qr;hQqcL 1l'l!l\l!~,W~:r,:'L!I."J".Q,t~4.. Jr;9!!L
....~~cI.!l!'_t:..!!g~_..!!d, .Q~sl!l!'t\1..!I.J_<!"..~. Cqmp_l!l._1l\19.l!llm"r;._..l,Jnj.~!\r..~!! .l!ltY~.., .QI!..;1. tttLII\lI,I:'.1!:-"t ...1'1''',,;1.
.n<!..M~. .1l.Q!!,!Ij,g.!'!!!'!.. th!!. .",,,..t..,,..;l.laP!~.-~,,c:om..!\~ 1. 8g,\I""",.8.. ~1!cJu4.t!!g_rg,Q. lIJ!t1._ !I,!:"Il1\i!PQ!;,.t... ,
Totnll1tllllllAr uf homoR in tho flfllUhhorhood ~9...t'-:_.., ond thfllllllllhnr (If thoRn hOllltHI thAt nrn for Allin Nq!!~_.~Qtll!td
M(lr~otlng tlmo lor oOJTlpmohlosi
COlliI'II 1 y.l!kn.<<2-\llf\dflVR
Comp"2 Y~J~!!-Q.~dAYR
Coml' #3 !!~.k!-lgj(tldny!!
~~_.... __ monthA
monlfm
montll!!
Tho apprAIsAls invo!!t1gatlon rovonlnd A 9010 of tho property durlnn tho pnst twnlvo 1121 month period,
yes [I
NO I~]
TIm Rpprnlsors InvostlORtlon dlsolosed the following tn\llnnollon q(tln of tho suhloot properly:
N'1 _.t..t:.!!!\!l{erU!\. ..th!LI'!!.!lL;!.;Lmonth8. ....__
--_.._-----~--_.-..~._--~~_._--_.._--_._--
_._~~._--~._...__.__...-._-~~-_.,.._.~~-~.._..._-_. ~----_..__._--_._~.._-.-~-_..-
..-_.._--~.__._..~_....~..~_._----------~-_.__..~----..~_..__._....__...._-~_._---~---_._._-.-.._----------------_._.-_.--.---------..-~--~._. ..---
--------.,....-...----,-...---..'--.. -~--_.__._-.----_.._------~~----_.
--_.-------_.._-~-~-~
In your opinIon, is "19 !HtleR price of tl1tl subloot property lJelllU nlfaotod by tho terms of tho flllnnr.lng or any soller oonco9!llons7
II yea, cornnlflnt: YES 0
NIA .______.._____. ...-.--------.---.
NO []
-----. ---_.._-_..~~._--_._,---_._~_...._-------_._.._._----------.------------'.. ----...,.----
--_._---~~-_._.._---~~--~_._~------"----_._-_._-~-_._-....._-_.__.__.~_.
^rn nil oomparable DAins utllli"_od clo8ad flale97
ComlTlent:~11...lt.aJ._~s J!ere'---ygified closed
yes 00 NO []
tlg:ouqh th.!....~1!.1L!!!I8..1!.!!'!'\',nt_.!'ffJ.Q~-'--__._.____
--_.------._._.._-_._....----~_.,...-.-._~------_._~_._-'._-----_.._...-..._-----~,--_._.._._-----~..~._._.,.""....._-----~-------<
.._....____u____..._..__~___ ...__._..______._~_.____.__..__~___._._.....___.______-.--.--.-..---------------......-,~..~"---.."----
II you noted 'hrokm' or 'builder' 8S fI source lor A oompArAble, (lid you Indepondently verily tho snlft? YES rJ NO []
COIll",o"t:HLl\.___ _._______.____.__.___._..._,_______..__...____'_____.___._________._..u__.___
~-_.._,--_.~_._-~-_...~.,_..._..__...~-~.__.._._-".._-_..--_.._~ .~,_..-.-._.._...~-~-_._-_..__._._----~--~..._-
Did ynu flhY!ll(mlly hmpflr.t 111ft (IKtmlnr 01 Altoh r.nl1lfJnrnhlfl7
yes IRI NO []
yes [J NO Ii]
yes iID'A NO []
yes IRI NO []
yes iID'A NO [1
YF.S \XI NO [J
HAvn you AttAched n IO(JftUOIl mnp showlnu looAtlon of 1111 comps7
tift..." y(ll! attAohorl n noml Mop rAIlOI showlml tho loentln" (,I !!uhlect Ilrnll"Ily1
'lAVA YOll nOll1l11ontud Oil fill fnil' or fJOor mth10fl7
Ilevo YOll clonrly lclontlllml tho rOom!! un your hl'!ldlll{l !Ik(ltuh7
On now nnnntrtlotlflfl IInVfl vnuunnd At IOllllt OliO nOlIll'l1fohlfl hOln outRltlo tho Ruhlnot nolghhorhood7
ArrnAISF.I1: P7!~ rf~B~~i!! ~:QO~=:.::.~~c-~--
SIONA'UIR:\:.=. . ... . ..~__--. .. .___
OAH: .:U~ll!.t.'h_'..___
rrnlll AM)
Mer., /llllvl,lllll ul ACt nnvnloflllllll1llnoOl O!t1 HRl
I'ltOll:!ol:'
Conrad M. Siegel, Inc.
Actuaries/Benefits
Cunrod M. ~HllgCI. F,S,^,
Hurry M. l...(lhlrr, Jr., F.S.A
lirlim S. .'\""11, P,S,A,
Clydr E. Clingnch, II,S.A.
Earll. MUlTlIllCn, M.A,A,A,
t{uhert J. Un 11111, A,S.A,
Dllvid p, Sllrllng, A,S,A.
Ruhen J. Mruzik, f'I,S.A.
David II. Kllllck, F.S.A.
Jerrrey S. My"" F,S,A.
ThoRlll.\ L. ZimmenJlllll, P.'s,A.
Olonll A. lI.rer, F,S.A.
Kevin A. Erb, F.S.A
Fronk S. Rhod", F,S,A.. A.C,A,S.
Ctuulca 8. Priedlander, F.S.A.
Holly A. Ro", F.S,A.
Jobn W, Jeffrey, A.S,A.
Denise M. Polin. F.S.A,
Thomas W. llec.'lc, A.S,^,
Jun,l M. l<:ym,I.'cr, CEBS
Mark A, Bo...lI, A,S.A,
:,00 Natiollwid,' Ilrivr'
I', 0. II", ,,'100
Har\'i,h\lr~, I~'\ 171111.:,'IOO
(717) (;:,~.:,f;:J:J
Fa, (717) ',40.910G
June 2, 1999
John J, Connelly, Jr" Esq,
James Smith Durkin & Connelly
P,O, Box 650
Hershey, PA 17033
Re: Christopher Hess
Dear Mr, Connelly:
I was provided with the following information oonoerning Christopher Hess:
1. Date of birth - November 2, 1947,
2, In military service for four years,
3, First covered under the Civil Service Retirement System - May 1, 1974,
4, Date married - May 19, 1973,
6, Date separated - April 22, 1998,
6. W-2 earnings as follows:
Year Amount
1987 $28,144
1988 28,142
1989 29,263
1990 31,196
1991 32,493
1992 36,168
1993 36,999
1994 37,266
1996 38,392
1996 39,216
1997 40,790
1998 42,942
Currently, Christopher Hess is 62 years of age (age nearest birthday),
~ Conrad M, Siegel, Jnc.
John J. Connelly. .11'" mSl),
June 2, 1999
Page 2
The Civil Service Retirement System (OSHSl is a defined benefit pension plan, The figure
that is marital property for divorce purposes with respect to the defined benefit pension
plan is the present. value of the pension earned during the marriage,
The pension benefit provided by the Civil Service Retirement System is based upon the
final three-year average earnings and the years of service, An employee may retire after
attaining age 55 and completing 30 years of service, Christopher Hess will be eligible to
retire at age 55, If his employment is t.erminated belor,' age 55, his pension would start at
age 62,
Bused upon the data previously described, I determined that Mr, Hess had accrue.d a
monthly pension as of the date of separation 01'$1,737, Since this benefit takes into
account 3,05 years of service before the date of marriage, it is necessary to multiply by a'
"coverture fraction" in order to determine the portion of the pension earned during the
marriage, The numerator of the "coverture fraction" is 24,93 (the years from the date of
marriage until the date of separation) and the denominator is 27,98 (the years in the
military service plus the yeurs from the date first covered under the CSRS until the date of
separation), Thus, the "coverture fraction" is ,89 (24,93 divided by 27,98),
The portion of Christopher Hess's pension benefit earned during the marriage is $1,546
($1,737 multiplied by ,89),
While Christopher Hess is covered under the C.ivil Service Retirement System, he is not
covered for Social Security benefits, In accordance wit.h the Cornblet.h vs, Cornbleth
decision, it is necessary to calculate what his Social Security benefit would have been ifhe
had been covered for this benefit, On the basis of the earnings information previously
indicated and assuming the previous earnings (since May 11974) increased in accordance
with the increase in t.he U,S, average salaries and taking into account an appropriate
coverture fraction, the estimated Social Security benefit attributable to the marriage to
start at age 62 is $845 per month for retirement at age 55 and $687 per month for
retirement at age 62,
The following table shows the present value of the pension earned during the marriage:
Retirement
~
55
62
Present Value of Benems
EillllllilDurinl! M.mi!ll!e
Social
Securitv Offset
Nm.
CSRS
$272,789
144,066
$78,742
64,019
$194,047
80,D47
~
jU4U
Filing Status
Oheck only
one box.
Exempllons
If mor, than sIx
dependents,
, see page 19,
Income
Attaoh
Copy B ot your
Forma W-2 Bod
W.2G hire,
Al80 attlch
~orm(e) 1099.R
If tax was
withhold,
II you did nol
. get a W.2,
... page 20,
Enclose. but do
nct staple. any
payment. Also.
please use
Fort" 1040.V,
Adjusted
Gross
Income
L
^
D
I
L
U~:S':"I~'di~"d~;t~I'~~~~;'~'l'T;;.rRee~~;~B :tl;~~)99
Fior Itle 'fllllr Joln \-001.; ,31 HIIl9 0' olfl'. tax '11I1I' tltlQ1nrHnU
iour !lmt nlllltl .nu "111:11' I LflSI nom.,
NANCY ,1, HESS
---~-~-_._.._.._.~._--~_._~~--
If OIOlnl rlltlm, ~nOllllln "ra! r\Jjf1l' A"(J !rut,,,, I La!H rill"'"
It I In!'> U~I< (J11I~_(~1 fl'l! WIlt!! 'jr "'DIIIlll 1M IO.Ct
H)O\l ""Willi I OMS ~jo 11'14[..0074
Your looi.1 ..aurity numb.r
~":"'~lliL_
Snt1u.." lool,l..oUrltY r1umber
Slnglo
Married filing jOint return (flven If only one had Inooma)
Married filing aeO':IrOl& relurn: Enter spouse's social security no, aoove and full name here, ..
Hoad of hou.ohold (with qualifying personl, IS.. pago 18,)lf Iho qualifying pe'oon I. a child but not your dependent,
enter this Child's name here, ...
Qualltvln 'Nldow(er\ With dependent child {year sPouse diad ~ 19 ). (S-a8 cage 18.)
6a I]J YourseU, If your purent (or'!omeone else, can alaim you as a dependenl on his or her tax 1 No. 01 bOilS
return, do not cheok box ea. . , . . . , . . . ' , , . . . f chlck,d on
, , 61 Ind 5b
b ~u.e, ' , , . . , . . . , , , , . . . , , . , ,I ': . No. Dlyour
c O.pend~nts: (2) Deo.nolot's 13)"oependenI5 114~1/ II QUoIllr/lllO children on Ie
" relatJOMnlp 10 chitdlorcnIJdltl: Who
(11 Firs! name last f'!dme SOCIal seellllrl number 'uu clfdillUf oaoe 191 . ll~.d with VIIU --L
_.1.u.lie Hess-1169 :68 ,7573 Daughter 0- odldnot 1I".lth
riD YO'dO'I.dlVd'"
1169.68:8082IDaughter m "."mllon
'- ~ {11I1I11.n)
I -! 0 D,pen~lnllon5c
o nol 'nl.r.~ abovl ---
to Add numb.,. EJ
. .~d~ 3
Unes.lav.",
11....Il.7,715 130
D-L 2 Lj-
,
10 _ I
111 1 309 65
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I-tomll a(lOrt81'1 IrwmllllllllCI .w,h"l II yOU r~lll,ofl" ~l (' tJr}", 1I1lf< PIIOIl 1&
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I
/I,nl no
Label
IS..
In3trualJons
on .'1It 18.1
UII the IRS
labol,
Oln.rwlae,
Pl.ast print
or !yP',
Prllldlntlll
Ellctlon Clmpalgn ..
(See Dage 18,) ,
1
2
3
4
d Total number of exempUons claimed
(j) Wages, salaries. tips, etc. Attach Form(s) W.2 .
@ Tusble interest, Attach Schedule B If required
b Tax"exempt Interest. DO NOT lncludo on line aa .
& Ordinary dividends. Attacn SohedUle B If required
10 Taxable retunos, oredlts, or offsets of state and local Income taxes (see page 21)
Gi) Alimony received
12 Business Income or lias's), Attach Sched(Jle C or C.E7. ,
13 Capital gain or (loss), Anson Schedule 0 It required, If not reqUIred, check here'" 0
14 Other gaIns or /10988S). AttaCh Form 4797 . """"""
15a Total IRA diatrlbuilon', ~ L..J b Tax'blo omount [580 p,g' 221
168 Tolal pensions and annuUies l...:!!!J J --1 b Taxable amount (see page 22)
17 Rental real estate, royallles. partnersnlps, S corporations, trusts, etc. AttaCh Schodule E
HI Farm'inoome or (loss). Attaoh Schedule F
19 Unemployment oompensation
208 Socia! security benefits , 208 I J' b ;'a;(~bl~ a~ou~t (S~l' ~age 24;
Other Income. List type and. amount (see page 24) .... ........... ..... ......... ........
Add ths amoLlms In th~Qht coiumn 10r lines 7 through 21. This Is your total Income ~
IRA d.ductlon (e.. poge 261 , 23 ,
Sludflnt'loan Interest deductton (see page 26) . 24 .__.
25 Medical savings aCCount dedLlcUon, Ahach Form 8853 25
Movlng'.xpon~es, Attaoh Form 3903 26
Ona-haU 01 eelf..mploymonl la", Attach SchOdul. SE 27
Self~emPloyed health insuranoe deduction' (see page 26) 28
~.ogh and soU.employed SEP ond SIMPLE plans 29
Pllnalty on early withdrawal of savings 30
318 Allmony'pald b ReOiplent's SSN .... 310
Addllnas 23 through 31. ,
33 Subtract Une 3.2 from line 22, 'This I!\ your Bdlustlld ross inoome
For DI~C",u"" PriV8CY Act. and Paperwork Reduotlon Aot Notloe. see page 54.
~tJ' e t
City, town or po.., offiCII. "alII, Iml :!.IF (100&
New Cumberland PA
1.,-.---
If '(ollllavt! a IOltlgrl IWetrlllS. ~lltt PAgll lil
17070
e
Do you WQnt $:1 10 go to lnl~ lund7
" e 10lnl return. doef. VOllr !IDOUS8 want $J to go to lhl!! fllnd" ,
8
X 1
I
Laurie
Hess
8~
23
24
26
27
28
29
30
Cat. No. '121JOOw
.. IMPORTANTI ..
You must .nt,r
your SSN(.) above,
f!J No ~ NOli, Oneoklno
I .vu' will not
cn.ngt your tax or
I rICJU(. your r.tund
-'---
-L.
1"
13 I
~::~I ._*. '.
17 .
18 - I
19
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~
r2"2119,-047
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32
33
.
,/"lE::DULE Ele
,Parm 104006, or 1 (40)
Earned Income Credit
QualifYing Child Information
"I(I'.\99
t f':/I
DttlI""*'Itlll1.TrtllUf)'
!rlI1fI\II~S.rvlC' (Ll
NtmtllllMwn on Ilium
NANCY :J. HESS
OMEl No 154~.007",
._.+_.
Comp/ote sm! attach to Form 1040A or '040
only If \,ou haw) It qua/i!YlfIg ntllle'
Att.CI,m.nl 43
SIIQu.ntlt No
'lour 1001.1 ..ourlty numtHtr
190 40: 4427
8 ~ you begin' See the In'lrIlCIIOn, for Form I040A, Jill" 3711 und :\70, '"' roml 1040, Jines 59. und 59b,
e,ore . 10 moke lur. thot II ) ~Oll CJII IJkc the me ond (~J YOII hllv. " quollfyillY ehlld.
. II you take the EIC evon though you are not eligible, you may not be allowed to take
the oredlt for up to 10 years, See baok 01 schedula for details,
. It will take us longar to process your return and Issue your relund If YOll do not 1111 In ell
lines that apply lor each qualllylng child,
. II you do not enter the child's oorrect social security number on line 4, at the time we
prooess your return, we may reduce or disallow your EIC,
m
Qualifying Child Information
0hlldlS name
If you have more lhon IWO quollfying children, you
only blve 10 list two 10 gel the maximum credit.
(J)ChlldlS year of birth
3 If the ohlld waS born before 1981-
e Was the ohlld under age 24 at the end
0/1999 and a student?
b Was.the ohlld perrnanently and totally
disabled during any part 01 1999?
~hlldlS soolal security number (SSN)
The child must have .n SSN as defmed on page 42
(, of lbe Fonn 1040A instruclions or page 41 of lh.
Ponn 1040 instruction, unless lhe child was bom and
died in 1999, H your child was born .nil died in 1999
lIId did nO! hoye an SSN, elller "Died" on thIS Iin.
ond attach 0 copy 01 lhe child's birth cerdlic'te.
<:J):.hlldlS relationship to you
(for example, lon, dought.r, grondchild,
fMler child, OlC) ,
(fi'Number of monthe ohlld lived with
'-/y'ou In the United States during 1999
. It !h. child lived Wilh you for more lhan half of
1999 bUI less Ihon 7 mOlllhs, .Iller "7",
. If lbe child was born or died in 1999 and your
home was lhe chlld',\ ham. for lhe .nlire time he
or she w"' olive dunng 1999, elller "12"
. :Por Plp.fWork Reduction Act Notice, ... Form 1040A
or 1040 Innructlcns,
Child 1
Child 2
First name
Fltll nam.
lilt nam.
Last n.me
JULIE
HESS
HESS
LAURIE
VIB' ...J... 2.. L L
{r bom after /980, skip Unes 30
and 3b; go ro U/Ie 4,
VII' -L L 1L- L
/f bom ofter /980, skip lines 311
and 3b; go ro 1111' 4.
DYes. 0 No, DYes, 0 No,
Go to IIlIe 4, Continue Go 10 line 4, Continue
DYes, D No. D Y.s. o No,
Continue The child Is not 0 Continue The ~hlJd Is not 0
qualifyiug child, qualifying cblld,
1-69 : 68 : 7573
Daughter
12
__ months
Do not enler more //1011 /2 moll/hs.
12
__ months
Do not enter more than 12 mOnJhs,
~
~
Do you want part of the EIC addad to your taka-homa pay In
20007 To sa. If you qualify, gat Form W-5 from your employer or
by calling the IRS at 1-800- TAX-FORM (1-800-829-3678), No
Cat. No. U6:J7D
Sch.dul. EIC (Fcrm 1040A Dr 1~11_
NANCY J. HJlSS.
Plaintiff
v.
IN THE COURT OF COMMON Pl,E~.S
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 98 - 2572 CIVIL
EXPENSE
CIVIL ACTION -
I IN DIVORCE
STATEMENT OF NANCY J. HESS
LAW
CHRISTOPHER E. HESS,
Defendant
EXPENSES
I
Is
I
I
Is
I
I
I
Mon,lse/Root
M.inulnanClc
,
El.ctric
all
011
Tllll1lhone
Wiler
S.w.r& Trash
o I
Public Tran' on, S
Lunch I
T
Real i!llate S
P.raon.1 Prop.ny I
I
Homtowner' 5 I ~
IIClomobll. I
WI.
lI"clo.OI -I
HeuJth
OCher
I
s
PlIymllnls
Fuel
Ra .in
dioll
Dodor
DmU'1
:=J
1
Q....IIII1U.H:1
HOI I/aj
MedldD. _,
.
(glU.... -.
WEEK
I In i'\pproprllllo CJlumn) EXI'ENSES IFill in _..ppropll... Column)
MONTH i YEAR (oonUDUlId) WEEK I MONTH I YEAR
I - - I enno...nn I I " "
Is s " " Scroo1 Lunch s Is s :;IUU
I I 1677 I JUU!:. I I 899
I I - " I LAURIE I I 739
IS 1 S 732 "NANCY I 1 375
I 909 I P."on,1 I --I " "
I I " " Clothin, Is Is s 2100
1996 Food I 7560
, 624 -, 370
I 3
I 506 . --
I Crlldlt PllVmcnl.~
" " Credle Card
S Is " " Cheri' I
I " - MlImocrshios I lu.~
I " " Lo"" I
" -
s I s 1304 VETERHIARY S S 5 ~H
I I Pet Shan 1 q,n
I - - Drul1 StorAS Q~n
5 IS 2i2 Other Stores i I """
I 374 N1iscttlla.nllous I " "
I ) I Lawn s 15 5 591
I 113 CllJIo cor. I " "
-I " " . ~llpllrs~boOK$ I 12
I " " Newsoaner I ,n7
1 - - I ,.,.
5 15 PAY TV
" " 1000
-1 I 954 VaO:lUon
Gllu '40
I 1406 Le,al fce~ ,Hn
I - ., cnllru?ol~ I I 200
Is " I $ 1084 .
I rl ' Christmas I I 600
I I Birthdavs I I 400
I ~EJ
I Cellular '.,3 I 1 I 1212
I fl3rch:1ng Band I 142
l.aurie ' s i. 1530
e , -
I Total I WEEK MONTH YEAR I
E:mensesl s i7 6.54 s 3106.17 s37,274
IFII
1993
~H,(I"O.'. '[,'m '''.',
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N~hv Clhab~\ t' land t PA
rlltlif
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OW.PAIIITUIl'lIAU '01.10 uo
\l'~ f ~j~ 'J -\
;,.,jiVAL DATi' --- --~--'-No"iij '''".tii"'''F"
H' H J ~!::'.(Tir!;"'~:'
[~IHl"lr. NCl ' PAll;'
11 7 ~ /'II. -1,74 ~ _ ~.~~~I';_
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' - -- -- -- -- ,- [PlPO!lIT AMOUNT 1'01.10 01(1'11\ ()
."ru- -florAL ITAl( TOT"t 'f'1 / ';' / \' I' ....,V)/ I
~ / '{/ II /~ 'to 1\ 1 I I b ( )0, I ",
'Ji1 /i,., '" /', . f..fI;l , '".:'..., ....~.......,.~..:...:O:..i!i..a.:..:&:..a.:..;a;..""..!l!'~~
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520
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196.00 ROOM
211.68 SBTL
98.0(i-ADEF'
113.68 SBTL
113. 68"CAStI
,00 TOTL
s.-
"JlJlI1'A~ li~TI
1106 AHen Street 8<'8-9]
lTATI III" O(l"!I ]~itOHI NO,
Nllw CUIllUttJ:'lllnd, P.4. 17070' , 717-774~4297
"."''''IKe "j-_ ~ '
DUNES EM!' OCK~N~'RON'j' EF'r,'IGIEtlC~'
.,
(I
1 n~}/(l~/93
S.'20
.1)(, PRf,L
.:i(I LPHH
. e:o- (:ASH
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- "ATC/~
AMOUNT ,AlIi
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_ ~12
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NOTIOE TO QUESTS
TI;I. JlrOP~fl~elf '~~'Jyll~~~ ~~(7~llr~~II~: ;~:~gR:m~l;rll:g~r(1:ntl~'o,~1~~:.~~
r~ 1I~: ~~ror lo.~ of m(ffll;~ jowolrv [I' vAlullhlolf olllny kind. Volullb 11' m.y
bll~Il:O.ll'd at lhe olllclIlor Allhtklfofllng, p,O BOX 330, 27TH STREET & BEACH
OCEAN CITY, MARYLANO 21842
4IQ.289.4414
1994
:," :JOON . 1.~~tH~~I. . . "." . I~l"",". 1......''''.. DATI "DlIQ 11I0,
lmS~, GUR1!,'I, " "'" ",,"" "Y4
'. . "~'''-'''-''-~-".._-..,._.._, 'mi'ALD.,,'" .. I. ..." '
A61n:Ti-- CWlLb
'..!Q!~!!J1~~t ~1!..(lL.._~_,_____,_,__[_ __z:} ',.~".. ,~___ ;1
"loTi I.,. COOl "UOIolI NO. DAU
~!!.....~~!:,e~.!,,-n~~J'L17070,,_,_,,~ ~,,_ 7..~Z~ 1 !,4 ~4 2. 9~ !.::i:.'!:~
lIIr"'",,~* .00.
DUNgS b:ASl' OG/~AN1'RON'[' 1~1>'PICIP.NC\' 230
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'AT 90 ,.,.. , 11 '^".:i;.' f ;'/, 6 t .;~~" iii', '} g c~:' . 717 .
T ~"'~"""'t; "''"'1'''''''- ~
PLEASE PftES='fH"1i"~riP""i.i~N:.'A~RivA'L~wliEN"TBItX~:fiSDUf"
30 DAYS NOTICE FOR FULL REFUND, llSS THAN ~O DAYS, $10 I'EE FOf< CANCEllATION OF ALL OR ANY,
PORTION OF RESERVATION, lEss TflAN ~ PAY" NOTICE, NO REFUND, AFTER ARRIVAL, 48 H RS N TIC
PIlIOR TO OEPAFnUHE: rOfl flEFUND LESS $lQ CANCEI.lATlON FEE,
STUO'Nrs · YOUNG ~IO~U MUsr BI ACCOM~ANI'O BY P~!I..r/'lr,
.ONE CAR PER ROOM OR EFFICIENCY ON LOT
THE DUNES MOTEL
P,O, BOX 330 27TH ST, AND BEAOH
OOEAN OITY, MD 21842. TEl,EPHONE 410-289,4414
RE$ERVATION CONFIRMATION
CHf'CK IN
TIMf
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UII CK ()III
TIMI
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\ '
CHRISTOPHER HESS
1108 Allen Street
New Cumberland, PA 17070
0".1
11I.1lI11.1I111l100,11l,0,01l11110111.1.1l01l1ll1l.1,110101.1l
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LAW OFFICE OF THOMAS D,GOULD
2 EAST MAIN STREET
SHIREMANSTQWN, PA 17011
(717) 731.1461
....~j...
~
THOMAS D. GOULD, ESQUIRE
2 EAST MAIN STREET
SHIREMANSTOWN, PA 17011
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SHlftEM~NaTOWN,"~ 17011
7f((Jma..~ tJJ. youra
ATTORNEY ATLAW
February 12, 2001
(7171731-1461
FAX 7111-1974
E. Robl;!rt Elicker, II
Divorce Master
9 North Hanover Street
CarU.sle, PA 17013
Re: Hess v. Hess
No. 98-25'72
Dear Mr. Elicker:
Enclosed is Mr. Hess' alnended pre-trial statement with h,is
proposal for equitable distribution in the above referenced matter.
I object to the inclusion of any new figures or information
suppl.i.ed by Ms. Hess. In your memorandum of October 24, 2000 you
requested each party to submit revised income and expense
information and asset calculations at least one month prior to the
hearing. The purpose of the updated information was to permit the
parties to reevaluate their recommended equitable distribution
plans. Your October 24, 2000-memorandum also requested that the
parties submit their specific proposal for equitable distribution,
two (2) weeks prior to the hearing. Again, this schedule was set
to permit the parties to review the proposals and hopefully resolve
the matter or at least narrow or define the issues for hearing. No
proposal has been set forth by Ms. Hess.
Mr. Hess submitted his income and expense information and
updated values of assets at the required time. Ms. Hess did not.
In fact as of Wednesday, February 7, 2001, ten (10) days after the
information was due, no income and expense statement or updated
asset information had been supplied. On 1'hursday, February 8, 2001
I received an amended Pension. appraisal from Ms. Hess and some
updated asset information. Interestingly, on Thursday, f'ebruary 1,
2001 I had received a call from Ms. Hess' attorney's office
requef:lting Mr. Hess' W-2 forms for 1999 and 2000. This late
request evidences that Ms. Hess had not coordinated the
reevaluation of Mr. Hess' pension until after the information was
required to be SUpplied to Mr. Hess. As part of Ms. Hess' late
submission was a request for additional information from Hr. Hess.
Mr. Hess has consistently provided all information in a timely
manner.' As he has in the past, Mr. Hess will once again provide
the requested answers. He has nothing to hide. The marital assets
of this case have not substantially changed since this matter was
instituted nearly three years ago. There have been and will not
be any surprises or hidden assets. It is unfortunate that this
matter was not resolved years ago.
Ms. Hess has indicated that she will be providing an update to
her marital home appraisal and her personal property. It is too
late. Mr. Hess will be prejUdiced in his inability to contact
experts to refute Ms. Hess's information. In fact, it is likely
that Mr. Hess' pension expert will not be available. When no
timely updated information was forthcoming, Mr. Hess rightfully
assumed that Mr. .Hess' pension information would be accepted. Mr.
Connelly had stated at the pretrial conference that he would obtain
an update from is pension expert. Ms. Hess has waived her right to
update the pension figures. There is no legitimate reason that
this information was not obtained months or years ago. You set the
deadlines and they should be enforced.
It is r'equested. that you disallow any new information from Ms.
Hess and deny her the right to Challenge the asset information
supplied by Mr. Hess. Ms. Hess has also failed to supply the
account .informatJon regarding her allegation of Mr. Hess' misuse of
marital funds or her own account information. Therefore I bel;leve
that she has waived that issue.
In spite of the preceding argument, Mr. Hess believes that an
equitable distribution of their assets is easily determinable. Mr.
Hess proposes that Ms. Hess receive the marital home, which is free
and clear of all liens and all financial assets except Mr. Uess'
Hershey Food stock, inClUding its increase in value, that he
rec;:eived as a inheritance, his BioControl penney stock and the
adcount in which he placed the U.S. savings bonds and his pension.
Ms. Hess would be designated as the survivor on Mr. Hess' pension
and the Decree in Divorce could be delayed to allow Ms. Hess to
continue to be Covered by Mr. Hess' medical insurance.
Respectfully,
~)).~
Thomas D. Gould
cc. John J'. Connelly, Jr., Esquire
Christopher E. Hess
i'
.
..
5&6. Husband earns $411,807.00, paid bi-weekly at $1,871.20.
He has deductions, not counting ch:lld and spousai support, of
$650.63. His net income is $1,247.42. No unusual expenses.
Wife's gross income is $400.50 per week. Her deductions total
$98.84. Her net pay is $301.66. However it should be noted that
Wife received neariy $5,000.00 in 1999 as a tax refund due to her
filing status and earned income credit. It is anticipated that she
would again be eligible for the EIC and child credit totaling a
refund of nearly $4,000.00. Therefor her actual weekly net pay is
$375.00. Ms. Hess also receives $500.00 in chJld support and
$275.00 in spousal support. No unusual expenses.
7. Pension: Husband's pension has been valued by Pension
Appraisers, Inc. at $62,057.07 for an age 60 retirement date. It
is unknown whether Wife has a pen~ion. No financial/asset pension
information has ever been provided by Wife. Husband objects to the
appraised value of his pension as determined by Wife's appraiser.
Even using Ms. Hess' amended valuation, at age 60 of $99,108, and
subtract Ms. Hess survivor benefit valued at $10,412, equals
$88,696. If a retirement age of 62 is used with Ms. Hess' amended
pension numbers, the value of Ms. Hess' pension is $62,679.
8. Attorney fees: Each party should be liable for their our
attorney fees.
9. Tangible personal property has been included in the
Assets of the parties. The prior total $7,500.00 has been amended
to $5,000.00, with $4,000.00 allocated to Wife and $1,000.00
allocated to Husband. If the value was disputed, an appraisal was
to be conducted. Ms. Hess has not contacted Mr. Hess to arrange
for an appraisal and therefore she has waived her right to
challenge Mr. Hess' figures.
10. Debts: None
11. The following is a proposed resolution of the economic
issues:
a. Each of the parties would retain the personal
property currently in their possession. ($4,000.00 value for Wife
and $1,000.00 value for Husband)
b. Wife would retain the marital h::>me in fee simple.
($89,400.00 value for Wife)
c. Wife would retain her 1995 Ford Thunderbird.
($7,500.00 value for Wife)
,.
d. Husband would
Yamaha MC and 1979 Honda MC.
retain his 1987 F'Ofd Tarus,
($2,000.00 value for Husband)
1975
e. Wife would retain her IRA and Husband would transfer
$8,982.53 from his IRA to Wife. ($16,545.73 value for Wife)
f. Husband would retain the funds in his Harris Savings
account which originated from the redemption of marital Series E
bonds. ($2,173.66 value for Husband)
g. Husband would retain his 90 shares of Hershey stock.
($5,147.10 - $643.13 m $4/503.97 value to Husband)
h.
value of the
to Wife).
Husband would disclaim his interest in the rental
marital home, less expenses. (Approx. $6,000.00 value
1..
Husband would keep his BioControl Technology stock
($98.00 value to Husband)
j. Husband would retain his Federal pension and
purchase his military buy back at a cost of $1,800.00. Wife would
be listed as the survivor beneficiary. ($62,057.07 less $1,800.00
equals $60,257.07 value for Husband)
k. Each party would be responsible for his/her own
attorney fees and costs.
11. Defendant'. ~ropo.al
The value of the marital assets tot.al approximately
$180,000.00. Husband's offer gives Wife approximately $115,000.00
of the marital assets. Bot.h part.ies have been employed over the
past several years. Husband has been employed by the Federal
government and earns $48,807.00 per year. Wife has been employed
as an Office Manager with D' Angelo Realty Group, Inc. earning
$12.35 per hour. Over the past. several years Wife has voluntarily
limited her hours to 30 hours per week. Initially Wife had limited
her hours to be available for her minor children. The parties'
children are now 18 and 17 years of age. The 18-year-old has
graduated from high school and is attending college. Both children
are employed. Since separation Wife has increased her hours and
has stated an int.ent to seek her real estate license. It is
anticipated t.hat her income will substantially increase. Husband
is constantly subjected to a potential RIF.
Currently Husband is paying Wife $500.00 per month for child
support and $275.00 for spousal support. The marital home has no
mortgage. There are no marital debts. Wife's vehicle has no lien.
Wife has sufficient income to support herself in t.he standard
established during t.he marriage. No alimony would be appropriate.
,
, "
-,,~\
INCOME AND EXPENSE STATEMENT OF
C'//;,'/ ','r" /'/I(',t.'
(:::'., ",,,'t - . S_J
SSN .;<d~ ,:?J' . ,i'I?J' DRH___.. DATE
THIS STATEMENT MUST BE FILLED OUT
('f you are self.employed or It you are salaried by a business of which you are owner In whole or In pal'1, you must
also till out the Supplemental Income Statoment which appears on the last page 01 this InCome and Expense
Statement.)
l7;,/l.I, 1'1 ..;1..('!(I/
--'-'-'--.
INCOME
,
(a) Wages/&alary. ,,: ", I;'.' X ::? ,1 ,J. ,"
Employer & Address ..(VJ.lt')" 4'j/('vr;\,{'y {!i(,,,,'1A'~ L ,q./\" I //)Ic','c ~"'''A/I'(.IS' ~lv ,,' (Y'J /'''1, 17" .f'.-L..
Job Tltle/i.'escrlptlon n.-c' N/l'''C' / ,.",'
Pay Period (weekly, bl.weekly. monlhly) (,','. 1<'" rk',"- Y
Gro~s Pay per Pay Period """""""".""""""......""..."."".....""""......."...".""."".".".,,...""""...."".. $ I fl7 I. ;;I. 0
Payroll Deductions:
$ .:;;" I .~-; .2:<-
Federal Wilhholdlng """.""""",
S I I 5 I ~ 2. (;', /6'
oc a ecur Iy "..""""""".""""._
$ /Y',71
Local Wage Tax "."""""""".""" _
Slate Income Tax .......................S ..5-(1, b- :2.
R tl $ IS':,', '17
e remen! ""..."....."..""""..".." _ _.
Health Insurance ......"......."......,$ 6 (;, '7 ~'
Other (specify) ,?,i:{.'.f.::~:.r.:".......,$ .7 S 7, (, '1
L. (.(,.L.f~[,:......$ 7. ./ /
. .."",,,..,,.........,,,$ . 71. 7'-/
Net Pay per Pay Period .....................................................................................................................".. $.... ..f!' I
Ib) Other Income
Interest/Dividends ........".""""",$
Pension/Annuity ..........."......"....$
Social Security "................."......$
Rents/Royalties ...,,,......,,..,.....,,..$
Expense Account .."""...."...."...$
Gifts .....,...."......,.........".."..."......$
Unomployment Comoensatlon ,$
Workmc~'~ Cvmpensallon """,,$.
Week
Month
S $
S S
$ $
$ $
$ $
$ S
S $
S $
S $
Year
/;;<'0. /:5"
Total, Other Income ..""."....".."....$
1.:< o. /5'
INCOME ..NO EXPENSE STATEMENT OF
C? ///0' I ;S' T.' /h' c' 01\" (7", /r' E S'S
I '1lrity INIII'M Ilal.menl' madl In ttlts Income and Elpens. SIll,..
ment ar. Hut.nd conlCt.1 unaer.tlnClIn.at fl.IM .Ulletnenl. r\efl,n
,aft mad. IUbl..1 to the PtNllies 01 ,,1 Pa,C,S, 490<1 ,.lating 10
Ul"lworn lalsillcallOft to luthOllhU, ~~' ,
//) /
Date' f{}~Ir./. /9. ;Z(l(l/ L.-,/_y;:L~~,-".t-'L-' t.~'.~.......---o..--
. FI~I ill or Oetlncs.n'
po
"".....{ '.,l'.".,
Household
Week
Child
Week
Household
MONth
EXPENSES
Home
MOrlgage/Aent ."...."......................"....... $
Malnl.nance "........................,....".".."... $
UlIIltles (Ie Ie phone, heating
eleotrlo, eto.) "............................""...... $
Employment (tranSporlatlon,
lunohes) ..".................................""...... S $
Taxes
ijeat Estate ...""....................................... $ __ $
Personal Property................................... $ $
Income .............."..................................... $ $ .
Insurance .
Humeowners ........................................... $
Automobile .............................................. $
Ll'le/Aooidenl/Health ......................."..... $__
Other ..(1.:.~l:t;n:.r..(.?;.f:..{..........."........,.. $
Automobile (payments, fuol,
repairs) ................................................. $
Medical
Doclor, Dentist, Orthodontist ................ $
Hospital................................................... $
Special (glasses, braces, eto.) ............... $
Education
Private, Parochial School....................... $
COllege ............................_...................... $
Personal
Clolhlng ................................................... $
Food ......................................"................. $
Other (household supplies,
barber, etc.) ........................."................ $
Credit payments and loans .................... $
Miscellaneous
Household help/ohlld care ..................... $
Entertainment (Inc. papers,
books, vaealion, pay TV, etc.) ....."..... $
Glfts/Charllable oontrlbutions .............. $
Legal Fe.s ............_.___.__..._.............. S
Other child support/alimony
P1ymonts ....................___._..._....... S
Other (specify) ."':.~.??::~~.r..f:!;.:;:...._...... S
$ S (/;<r S
1. .J. 0(1
$ S $
$___ snr:. (>0 $
$ S--"() I (J{'I $
$ $
$ $
$ $
$-- S / i/. (I {> $
$ $ /6. ('0 S
$--- $ $
$ $ I (J I {'I(I $
$ $ //1", "e> $
$ $ {-CliO (J $
$ $.__ $
$ $ $
$ $ $
$ $ $
$-- $ 5iJ.M $
$ $ 2.:B'~ $
$
$
$ 5'0. "0
--
$ :z.oo
$
$
$
$
$
$ 7!J, t'(J
$ ,/-,).00
S '~.d.1,1. 0('1
$--
$
$
$ ;I.. 5'. 00
Tolal Expenses ...........____...__.... $
$
$ /6:l:/. OeJ
',.
Child
Monlh
$
S
$___.
$_
$
$
$
S
$
J!\MH; SMrn I III Ji~,IN & ( " INNIi/.l Y 1./.1'
JS')(
JlIly 5, 2000
1:1':
I!i.,,', 'I'
E, Robcrt Elickcr, III, Esquirc
Cumberlund CoUnty Divorcc Musler
9 North Hunover Strcet
Cul'iislc, PA 17013
I;! H Ii'
Iii 'L'
'I ) l;
jr-jl!"if.1 ,c.
IL-';);I'_,'I'.);li, "
',i;-/i"t!
11,\flili +1'1
'!) I..':;,
Rc:
Nuncy J. Hcss v. ChriSl<;>phel' E. Hess
No. 98. 2572 Civil Tcrm
Deur Mr. Elickcr
JI)hn J, ('onnully, JI'.
llil'O(jqjsdlc!lIlI,Clltn
Enclosed plcasc find my cliont's Prc-Tl'iul Stutcmcnl,
~iL? I~.
loho I. Co""lIy,'" ~ ~
JJC:jlk
cc: Thomas D. Gould
Nuncy J. Mess
Enclosure
aU91NtSs &
COMMflHCIAl. lAw
OIVIl,l.IfIClAT/ON
CFlUDIfOfm' flImH9
UDIICATION tAW
lH,!jpL8~MHNr lAW
ESf Mr ,I'IANMNQ
'-AMil'/ LAW
IN"UfWj(i!:L.\W
LAWl LJ~f
MIINICif'AL LAW
m'At E~HATf
rrtlJ~111. UHMf
MIMI~M~rHArl()N
Wo~d De.stroying Insect Infestation Inspe::::tion Repcwe
Trlis IiJ not u atnmtural darn'WfJ r~~Jarl. This form may not b~i ZlI!~lrwl,
S.clITi.inT.Ge"a-ia"rljcjfj~~iA1!.~i, &':rILLE;;::~INC:';"r"",;,;,Y,;i;,, ," I."" I, ",
Irl9;Jfl(;liol' C"trlpnny, 'C!::Jlvlp~2?Erll101>ilE INSPECTIOi'!"J3i/{!J,} .'~~
21)43 NOFiTH FI10NT E:rClt,ET FropGeII' ACid:",,,
HI\FIRIS8URCi, f'iI 1illn //u/ N I/(~
U'i'i)221.1004'FAXC117)2':-100li / -- /.. /. (r:?
- t[i('</_(", ~1 '.-:' "-'_.. '.:1,,0,:/0 L.. ';:;,..,__. __~ _'_.
i./, /3Irll';lll ~ Is) ImlpeJ :IE.1(j
0'- ,L/.
( .....'( tc . -,"..- ,I (J~r /
Sactlo II. nspecllon Findings This fep"'1 II I"dientl" "I Ihe ,'o'HIIII"n of Ihe "ubject "f"elu,"(,) 0111/" ",'I< of 1/'" IlIs!,eclirlll Oll/Y nlld (..
NVI t" h, l'O''':trll,d ns nn ("I""" ur I IIII''' ,d \l'nll nllly or gnn'nlll"" Ilgalllsll"II'ul,,,,,n",,,"'d, fir fnlllre Inlcstnlloll 0, def"'I', ArW snch Warralllyor ,ervic,
lIgreol1lellt (0 provide future IHHllnwllt or inspectiom IIlIlY be provided as II Sl.'plll"lIlt IHladmwlI1 ilJl(J Oldy if jndic,llcd In Section IV,
S(', S,etlll" fX VII sid. 2 fill' 111/11111'/11111 IlIjOI'II/III;oll, BU""d on" (I"roiul vlsualln'poolion 011110 ",udlly ''';:"".Iblo ""'''S ollllf' Slrueluro(s) I'"poeled:
~; No Visible EiviclfmC8 ala W(IW) d~j3lroying Insoc! Inkl:;talkHl W~IS ob~:~J('/Od,
'0 b. Visible evidence 01 El wood d99troylrtg insflcllnlElstallon was observed as fallow5:
lJ Live In,,,cts: (rl.ocrlpllon & /oeallon): _ . ... '__.-.. '_~-... ~._.<-___.__..._ __'_"___~,.._________,_,.____,._,__.
. "-- i:~'i~:: \',:\ -(-;",,:;;; N!;:'(j(~i~~;!"----"""--"--'ou_~,-
"..4 r'..
.:> '/ ;..........
[J ~~;~~;;~~;;~~~~'--;;~;;;;;;~;-~;~~;II;;;r.IUb~;~(;~~;;p-;;;'~~1~;';;i;~J:'~'-":"-=-==:=~===~=:=~~~=--=====
[J D:.~;ag~t;;;;';--~~od r~s/r~~ln~';r~s.a;;~~';;'OIO:lI~I~~-'OII~,V(;~~-;,~~"(,;=',~-=:=~.=.~~===:===~=~==_,__.____,__
--~----""---"___~.'4___'~__'_________"_____~____._______________________~.~_._____._~.~__"_____
Regllrding visible evidence of wood deslroylllg h'\<'cl,,: TIlt' Inspeclor lII"y [llId wood which has h,an damaged by insacts, Any damflge noted
shollld be con,idmd only" evieklle, of cllrreo' or previolls infllstalic'n of wood destroying insccls, If box b Is check'" IIbm'e, it ,liol//d b,
I//ii/'I'.rtood llilll ,wme d'g/'O(' of dUlI/uge, II/ellldlng liidde" dOll/oge, 11/0,1' b, /"'.1'"1, The Inspe,'or's trailllng and "perleoce do n,,' qllalify
the ill"l'cclor III dnllla!:' eVllllllllion lOr any o,hel' hllildlng ('onsln,elion "<llIIology a",lIol' repair. lIplln recel,'lllf Ihls rcpol'l, the Seller or Ihe
Selle's Agenl ,hllllno,lfy Ih, Bllyel' Ihlll any d:IlHnge ,hollid be e,'"n,;,wd by n qllalified Indiviclllnllo d('rennlne Ih, '''''I for fepllir,
Any visIble evlclanca obsarved abovo appeElrs ;
B Aellv.; Ire!llmenl roeommandsd allhl, limo (Note: FHA anrl VA IOqlllro tl.almonllor all oollva Inlostalions)
Inaoll'lie: no treatment rSGornmanded ilt thIs time .
Aollvlly and need for Irealmenl eonnol b. determlnod wlthollllurlher Inv.olIgallon, NS",on: _,_,___
-.--------.-
JII1I10llY enses, ba,ed IIpon visible sign, ofinfe".,lon b}' wood destroying in"'IS,11 (., no' possible w;lhoUI b'neflt of slIh"quenlln'pe"'iolls
and eVllllllltloll' 0V'1' II period of time 10 lI,uerlllin whether IIn infestlllion Is 'CLive or inau'ivc, If n wlIl'l'anty 01' SCl'vice ag",me", is in effect,
Ihe cOI1'pllny which issued Ihe warrlln,y or service IIgreemenl shouid be conlncted, If no wlIl'romy 01' servic, agreemenl Is in efrect, Ihe
inspecting compllllY or anolher complln)' mil)' prol'ide Iren'menl, il rcqneSled und pCl'milled by l"guln(;on5, for an IIddiliollnl fee,
[J It appaars Ihallhs slruclllro(s) or a porllon Ihereol may havo boon pravlousl,' Iron/ed, Evlds,1ce 01 pravlou, trealrnenl: __,
-----~~---~_._--.----------~--~~----~-----.._~~" -------
This ellli'Plln}' can give no assurances wilh reg Old '" wo,t Ihlll ma}' h,,,e bocn prev iOI'"I}' pel'forllle" by olher comp"nle" The compallY which
Ireoled the propertj' should be conlnc(od by (he Buyer for IrentmellllllHI '.vilJ'lllnly lllformutiol1.
Secllon Ill. Treatment wns/I, scl"dnle,; 10 be p'rfonner! hy 'he inspcctmg company: [] Yes [=1 No
Treatment Desorlpllon:
Date:
-- I
Secllon IV. Altllehmants Thc following II,wd nltllchm,,"s are IlIIeg",1 pllrlS or Ihis iosl'ecllon I'POl't:
~ Conrad !d, Sit:gd, Inc.
John.r. Connelly, Jr" EsCJ,
F'ebruary 5, ZOO 1
Page 2
The Civil Service Hetlt"lment System (CSRS) is a defined benefit pension plan, 'l'he figure that
is marit!\! proporty for divorce purposes with respect to the defined benefit pension plan is the
present value ofthe pension earned during the marl'iage,
The pension benotit provided by the Civil Selvice Retirement System is bllsod upon the final
three-year average earnings and the years of sorl'lce, An omployee may rctire after attaining
age 55 and completing 30 years of s8lTieo, Chri.stopher Hess will be eligible to retire at age 55,
If his employment is terminated before age [,5, his pension would start at age 62,
Based upon the data previously described, I c1et,,~'min9d that Mr, H8;;S had accrued a monthly
pension as of the date ofsc'paration of $1.737, Sin('~ this benefit takes into account 3,05 years
of service befor9 the date of marriage, it is n88fJSSary to multiply by a "covertur" fraction" in
oreIer to det~rmine the portion of the pension earneel during the marriage, The llLlIuerator of
the "coverture fi'action" is 24,93 (the YE,ars from the date of marriage nntil the date of
separation) anel the denominator is 27,98 (the year" in the military service plus the years from
the elate first covered under the CSRS until the date of s8paration), Thus, the "coverture
fraction" is ,89 (24,f)3 divid8d by 27,98),
The portion of Christopher Hess's pensioll belwfit earned during the marriage is $1,5't6
($1,,'37 multiplied by ,89),
While Christophel' Hess is covered under the Civil Service Ftetirement System, he is not
covered for Social Security benefits, In accordance w;,h the Cornbleth vs, Cornbleth decision,
it is necessary to calculate what his Social Secmity benefit would have been ifhe had been
covered for this benefit, On the basis of the earnings information previously indicated and
assuming the previous earnings (since May 1, 1974) increased in accordance with the inerease
in the V,S, average salurios and taking into account an appropriate coverture fraction, the
estimated Social Security benefit attributable to the marriag,,, to start at age 62 is $845 per
month for retirement at ElgB 55, $72i:J for retil'8ment at age 60, and $6R7 per month for
retirement at age 62,
The following table shows the prosent value of the pension eamed during the marriage:
Hetirement
Age
CSRS
Prasent Value of Benefits
Earned Durin!;. Ma1'l'iaQ'e
Social
Socuritv ()ffset
Net
55
60
62
$259,137
161,1.37
131,547
$71,900
62,02f)
58,456
$187,237
99,108
73,091
L- IPUI ;lI Avpropr;,,, C')IUm~~
I .1 I U,U(
om I 1 I
Aripraisalsl j, '$955
MaimcR;~n~: I I I 1375
'tillo., I I ,
EI.m;, , . I 68:',
~~' II II P,I 1 :oOOO---j
Tl!I~ohlJnc _ -1
I I - I 600 ~
W3lcr
L S~wer & trash I I I 450
Erno;o'm.", I , III
,1:iWess expense.s I 3 7 6 .
Lune" I , I
T"", I ,
R:::ll ;lSt<lI:: I I JuSl
Pmonal Propl::1:" I I
Insurano:!' I I
Homeown:lr' 3 I I 272
.-l.ulomob iJe I I 6.1lJ.
Lir, I I
",,,d,", I 1_11'
H,a1ll1 I I
Olher .~" I ,
,i,lHO obOe I I
Payml'!n!s I' I
Fool I I
Reollirs I I
~hd~~ I I
Doctor I !
Dl!llUst , I
I I
I I
T I
I
I
EXPENSES
:Hi2
,quA
HuSpitnl
"ledlow,
.)(Iel: OlltH,U I
(~llSSes. bruc~,
n t1 r "(e''ic':4l
I
l k~l~~nses: I S
WEJ.:K
82u.
I
'I
I
J
I
l
I
-j
HE S S
1
-1
~ '_(F'. iJllln ,'\~proprJUI" Cj'JIUITY'"1l"'u( l
EA1'E:-iSES
(0QUlrnUr3d)
1;;':1,""12Il 1 1 I
I Si~hool 1ul1che:< Laurip 1 \ 5L.O I
:()hocJl f1\~:l.'3es Laurie f ?SS I
ic;i;;;- JJl.le I I P 5 3 I
L.,SE.'co1 [~~l1ses J.ll1e ,! .. ! 2511
I P"">n,[ I _-.J__-'- ==':'J
::'lotllin~ I I I ? (
, Grocer\' Stor9 -_. I I 7000
La,;r;.,.;". I I Ll..?!
I C'c:II,Z"''''''" I I due I 4500 I
I -:r~jll CJrd I ----l
I J I .
I :vlt:rnb~~~,lll'!J I '-, 1 1 J
, lIor -' I 1--1TI-.J
I " - I
LP.~tshoo I I 1 LLnl".,
I AOL I i I ';;11
iADT~~D..Jr1t:\J I iSq I
I I I I
! ;'y[i.lG:t!l:m~')us I I J
I Other Stot~S I . 400 .I
I La\lnCare I 62L-J
I ;;ap=~s/b().).\s I 25 J
'v[ n" t:': n~~ ~ I
I ~'!eovc;r;:-; i0r. I
Cable I
\'llC:HI"O I
'.Il:U I
I l::~ill i::~s I
I l:jlUO~~"l~ -I
.(~~!
r;:'"_j " ", ;-1' -,,-
I ,_llL"'~lt1)3~1
1---
i Birthda\'s I
I ern" Stores I I
I IC9 SkatinCl Lessons La!Ju1'e
I Clarinet Lessons LaurlE~
, 07
I , ...)
I Inn~
I I
due I friO
I 100 I
I 500 I
I 300 I
I !loOO
I. 142 -j
I 11<M I
\
~'IONnI
3571
\'E,\R
s ~2,852
ll'erii'l that ilitl st.!l.!Otnl!lHS mad, 1.0 :his In::;orn~ :wd S:\p!::nse ~ta:f.t::neut ar!! (Tl.le aud 'JOl1"3Ct. I und!.lfSr..l!ld lhat raIse
SUHOmSDt.'i httroi.u aro Hlh]tlct to th!l cr.mUJal pO'!1l\ltl::s or' : 3 Pl. C S_ i ;1904, r~Jt,ring It> unsWOr:J. ,'alJulclr1on to autharid;}s.
0'''' ./"
/:.-'/ ! n' /./1
/'/;;,,'.4 ..,c-:' i.-I/ /l /1
~/,////.,(r"~ ..~ Y/ A( I
?b.w" ~V i ,/..:' "'~~-;~ /' -: . ".T~...J - __'
"--; , C/ ~
L
Januarv 28, 2001
Lalli
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