HomeMy WebLinkAbout96-00731
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PETITION Ji(m PHOIlATE 1I11t1 (;I{ANT 01' LETTEHS
.;;;< I-,-q~ -_113.l
1".\/0(" (~l Juan A.. C:ukovLch
also k"OIWI CIS. .
No.
To:
I(('glslel' of Wills for Ihe
__, Ih'(','a,\{'rl, ('Ollllly of C111l1l>,el"JJ!I)~..___. 111 Ihe
Social S,,('//rilY No, _~. IJ>.S.:-.26-6t.O,l .___. _,__,_ ('Olllllloll\Veallh 01 I'ellllsylvllllla
The petlllollOf the llllll~lslglled I'~spl'clflllly l~pl~S('lIls Ihlll:
VOlll' p~lllloII~I(S), who IS/llle IH yellls 01" IIge 01' oldel' IIl1lhe exl.clIl.r.iY..._,_____.....__....III\IIICd
III Ihe 111.11 will 01 Ih~ IIbo\'e decI'delll. daled _, __.July3D...--,~.--,_--.--,_-..~, 19_.9.6._.._
IIl1d ('",Ikll(s) d!II('d __. . ......u__..._.._..____.._._____.._
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(qUIt' Irll'I'illll dll'lllll~lnllt'l'~, t',K, l(,ll\llll'lnlIOlll (h'nI1111f o~ct:\ltnr, etc,)
Delelllklll was domiciled al dealh 111 ... .Cllmh.llI.lllllil..___.__,______, l'ollllly, PellllsylvlIlIllI, with
ILll-l:_~__ hwl I"allllly or pri1\dpllI1~slde1\CI.III_..6.9.9,L1ieJ:tz.yille,..RoAd.,..,.lie.e.hllni.c.s.b.uI.g_'_l'1I 1705S
_~'iibLe.L Sp.ring,.Townahi p.. .__....'u_, . . .-.--.--- ---.- -,-' -.--------.---
(list ~tlr{'l, lIulllhrr null IIllllh:il'nliIY)
Deee1\delll, Ihe1\ ..,..,63,. __ yeal's of IIge, died ...._'"'_... .._,____.,S.l1j).temh.\U".._4.>--------__, 19,2.6.__,
II I __-6.9.9f>,-W.u:1;.z villa. R=d, Mechanics burg" EA.. I} U55. ,.. ..-- --------...-,...--... ..~-- "
ExeCI'I as lollows, dec~dc1\1 did 1I011\larry, was 1101 dlvolCl.d a1\d did 1101 hav~ II child hol'll 01' IIdopled
II ftCI' execllllolI 01 Ihe will o 1'1"1' le<.l 1"01' pl'ohal~; W"S 1I01lhe I'kl111l 01' 11 klllillg allll WllS lIever IIdjudicnled
iIlCOlllp~I~III: _____.,.___...'__'_ - ,----.. ,-~,-, -- .--,--------"'-- -.----....' ..'--.,....,---,----,--------..
llceellllellllll denth oWlled prop~lly wilh esl111lnled vlllues ns 1'1I1l0\Vs:
(II d011lldlell IlIl'n,) ^lIperSl'JllalpropeIIY $ 100.000.0Q...,,_____
(If 1101 d011licil~d 111 Pa.) I'ersollal p\'(lpelly 111 PellllsylvlIlIllI $
(111101 d011li~i1ed 111 I'll,) l'ersollalprop~lIy ill COllllly $---------
Vnllle 01" renl cst ale 111 1'C11I1Syll'lIl1l11 $_Ul.Q.~0() 00 ----
situaled 11.1 follows: ___62.2.6..we.rt~.Y,ille._!\Qll.d>_t1,~~h<ln.i.f..~!llu:.lll-_.,5_ Miller's Gap RoasL...
Eno la+-~..--D~.l.--Sox. .42.3 ,...Uuut.iugdoU-J._R.... .D...-"-__Rnut.e..22...,..Lewiat.o.wn.,...EA....__
--_.---~--~_..---~--_.~..~_._-_..._"_.,---_._----~..-.-..-.
WHEREFORE, pelitlolll'r(s) respeelflllly reqllesl(s) Ihe prllbllle 01" the 111.11 will alld elldicll(s)
pres~lIled herewllh 1I11lllhe gl""101" lellels.____t.~,s..~,!lJ!l~!lt~.rY_,__..__n__ ---.-----,-
(tl'~lnfll('I~ll\ly: lIdll1l11l~tlI\II0I1 c,t.n.; nlllllll1l~IIRlloll d.h,11,c,t,n.)
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OATil OF J>EnSONAL HIWlmSENTATIVE
COMMONWEALTII OF I'ENNS\'LV ANIA l SH
COUNT\' OF_QUt1\l@l,(\\llJJ__.______...____..._._ J
The pellllollel(") "loo\'e'I"\IIII'<I sweal(s) 011111I1111(.1) Ihnllhe sllIlelllellls 111 the loregolllg petltloll ale
Irll~ "lid I'oll'eello Ih" h''';lol" Ih~ kllowledg~ 1111<1 belieI' 01" p~llllolI('I(S) 1I1111 thllllls persolllll replesell'
1IIIII'e(s) 01' Ihe 1I100\'e d('IL'<I~111 pelili\lIIl'I(S) wil~\'~1I alld lilliI' IId1l11111sler Ihe ('slnle lIecordlllg 10 Inw,
S\VO.1I110.01' 1If1.itlll.L'(.la.lld ....Sl..I.hSL.,.ihl'd.j..'~.,. .~..;~\~~,__._..___.__. Vl
bel'ore 1111' Ihls. ,.__ ,I?JIL, ,_ dayol" .__ __._,_"..,._____..,_.___,......____._. ~.
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3757612
No,
11l0~ IUk" 2J81
COMMO'NWEALfH OP PENNSyLVANIA. OEPARTMENT OP HEALTH ~ VITAL RECORDS
CERTIFICATE OF OEA'fH
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Cumberland Silver Spring Twp 6996 Wertzville Road ""_._-,, White
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II Mec.;han1cshurg, Pa 17055 ::-..:::~;t' 1,...C",",ty ~~~~_~~1~"n_~_ .._---.'" :::~.~~_,."IJ:I:~=:'"'-
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or
JEAN A. CEXOVICH
I, JEAN A. CEXOVICH, of silver Spri'ng Township, Cumberland County,
Pennsylvania, being of sound and disposing mind, memory and
understanding, do hereby make, publish and declare this my Last Will
and Testament, hereby revoking all wills heretofore made.
1.
I direct the payment of all my just debts and funeral expenses as
soon after my decease as the same can conveniently be done.
2.
I direct that there shall be paid out of my residuary estate
all estate, inheritance and like taxes together with any interest
or penalty thereon imposed by the Government of the united
states, or any state o. territory thereof, or by any foreign
government or political sUbdivision thereof, in respect to all
property required to be included in my gross estate for estate,
inheritance or like tax purposes by any of such governments,
whether the property passes under this will or otherwise.
3.
Subject to the conditions in Paragraph 5 of this will, I
give and bequeath to my son, JOSEPH CEXOVICH, JR./ my Reichdrill 625,
- 1 -
1991 International Flatbed Truck, 1979 GMC step Van, all well drilling
fixtures, equipment, tools and supplies and direct my Executrix to
transfer title to the vehicles and equipment as soon after my decease
as may conveniently be done. It is my desire that the well drilling
business be operated without interruption and that the business be
owned and operated by JOSEPH CEKOVICH, JR. in his own right and not by
my estate.
4 .
subject to the conditions in Paragraph 5 of this will, I give and
devise my real estate situate in Silver Springs Township, Cumberland
County, being part of the land described in a deed recorded in Deed
Book X, Vol. 21 at Page 123, and being shown on the plan of lots
recorded in Plan Book 22 at Page 4, fronting 192.21 feet on Millers Gap
Road to my son, JOSEPH CEKOVICH, JR., absolutely and in fee simple.
I
5.
I direct that JOSEPH CEKOVICH, JR. pay to my Executrix one-fifth
of the total Pennsylvania Inheritance Tax and the Federal Estate Tax
for which my estate is liable as a condition of the gifts set forth in
Paragraphs 3 and 4 of this will and in the event he fails to pay the
same upon request and on at least 30 days notice from my Executrix,
said gifts shall lapse and fall into the residue.
6.
I have previously executed a partnership agreement with ELI
CEKOVIC to own and operate a mobile home court in Silver springs
Township, which agreement is dated October 19, 1995 and provides
that in the event of my death the partnership shall not terminate
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PROMISSORY NOTE
[ -'~~~&"do--T6~~ii;~~~51. . Maturity r 5~~~~;~"~21 c.il.1 Coil.i.rnfl. ~~~;~7nlt [iJ~I:~rr~'1
"" __ _~~J.!Q~iE.r~.!~_J~~ll~~I_l!E_l!.r~~~i!t~ __'~H. _L _I! I ~,d.\l.I.' :'. ,I~:~l~ __ {J,r~!y ,~III~1 (,!(~, 1!(J!liI!III,_I! II!. ~ll ~[~~~ill!J,I!!!i .~,/_I!I!:), }!.~,I!~!1J]!:!.U!~!!!.'Ll!.l!!!!.r;.,l!,I,~.~..!9~5:~.!!!J}.~\..... . __:J
Borrowor: JOltClllh Ceko'llcll, Sr, (SBN: Hi!t~:/l).'II(ll1)
JeIln lit. Cekovlch 15!Hl: 1115..;/6--(1101)
iniGa WtfllvHlll R)IIO
Mectllullclburg, PA 170!lS
Lftl1dor: If[:NNHYLVANIA ST ATE llANK
2148 Mllfklll SlrClfll
P,O, Dox 4B"
Cllmp tUII,f1A 17011
PrinCipal Amount: $25,000.00 111111.1 R.le: 10.000% Onte 01 Not.: February 17, 1996
PROMISE TO flAY. JOSeph COkO','!Ch, Sr.llnd JOlin A, ('(Ikovlch ("Uorrower"l promlsolo poy 10 PENNfJYLVANIA STATE OANK l"Lender"l, or
orderl In lawlul money ollhfl Unlled Slllle$ 01 America, on dOHialld, Ihe IHlnclp,,1 al110lml 01 Twenly Fh'e TllouWlnd & 00/100 OOUlUS
('aIOOO,OOI or 10 muoh /l$ may ua OUlfllandlng, tOlltllhor wllh Inlernl 011 Ihe unpnld oulslllndlng princIpAl balanco of each Advance, Inlerul
shall be calliulllled I(om lhe dAle a/each Ildvtr;nce unlll rOJlllymtl!\1 01 uch advance,
PAYMENT. Borrowel will paV lhh~ loan IrIlmoCUnlely upon lender', den1l'lnd, In nddltlon, BOllower wUlllny fogulnr monthly paymonls of aU
actrued lInpald Inleroll due 118 01 ellctl paynllHllltlllfl, lJeglnnlng Mafch 20, 111\15, wllh all 8uIJsequenllnleruI Jltlymenl,IO be due on the same
dllY olllach monlh alter IhllL 1r;lorusl onlhlg Noto is complllod on a 365/305 slmplo Inlorlll;l bllSIS: lha1 Is, by npplyln'lllho ralio 01 Ihll annual inIONS!
rale ovor Hie numlJor 01 days I!\ /1 YOM, mullipllocl by tho oUlsl/trldlnlll1rlnGipal balanoo, mlJlliplifld by Iho aclua! nllmbar 01 dayslho principal balancol&
Ol,Jlstarldlng, eorrower will poy londor 01 LOf\dOl'!ll\odro!.!\ !ll1own abovo or 1\1 sllch olhQr plaCQ as Londer may doslgnllte In Writing, UnleS$ olherwlse
agreed 01 roqulrad by applicable IIIW, pnyrnonll\ will ho llppli<td Ilrs( to MorumJ unpllltl in!orasl, Ihon 10 prlnclpai, and any romalning amounllo any
Uf\pald colioclion cClils and Into ohargo~
"ARI^BLE INTEREST RATE, ThO InlerO$t 11110 on Ihls Nole is &llOjOflll0 ohango from timo 10 lima basod on ohan'llSS In nnlndoll. whioh Is lho
flonnsylvllflill Slalt3 Bank's Base Lorldlng Rato (tho Hlndo~"). Tho Indox Is not nocossarlly 1110 lowosl mlo ohargod by Londer on ifs loans and is sot by
Londor in liS solo discrolior1. If H10 Inoell. boco[\lo$ unllvailable dU(jog Iho IOInI ollhls 101ln, LOfldflr may doslgnale II subs\llule Indoll. ollot nOlilying
80rrower, Lendor will loll [Jorrowor ttl0 OUfrontltldal( ralo Upon Borrower's raql,Jolil. Borrower underslands Ihal Lender mllY make loans based on
olher rates as wlllLTho Intorosl rlllo chun'll(l will not oocur mOIEJ ollon thlln each Day, The Index currenUy 1$ 'MOO'" per annum, Thelnler/ssl rale
to bllllppUtld 10 lhe unpaid principal balance 01lhl9 Nole will be al a ralll 01 1,000 percenlllge polnl over Ihe Index, resuHlng In IIn Inlllal rale 01
10,000% per annum. Nonc[: Undor no Oll()um~II1IlCOS Will tho inlulflsl Il1lu on HilS Nolo be Iliom Ihlln Um maXlllIlIm ralo allowod by uppllcablo law
PREPAVMENT, Borrower ma~ PIlY wlltloutlHHllllly IIrl or II porlion ollllo AmOllnl OWDd uar!ler Ihan II Is due. Early paynlflnls will not. unl6ss agrf.led 10
by landor in wrlling, rllhovo'OOrfowor 01 Uorrowor's ollhgnlion 10 rJonllnuo 10 mako payrnonls 01 acorued unpaid inlora~L Aathor, thoy will rodl,Jce lho
PrlnClpalbalanca Cluo,
LATE CHARm~, it n paymont Is 15 days or morelale, Borrower will be chalged G,OOo", 01 the regularly scheduled paymenl or S5.001 whlchevtlf Is
gluier,
DEPAUL T, Borlower will bo in delault II I\ny 011110 foUowln~ happons: (a) Borrower lalls 10 mako any paymonl when due. (b) Borrowor broaks IIIlY
promise Borrower has madu 10 Londor, or BOIf.1wer !all~ 10 perlorm promptly allha hmtl and strictly In Ihe manner provided in Ihis Nolo or any
agreemenl relaled 10 lhls Noto, or In any olhor llgreemonl or loan BOHower hilS wilh lender, Ie) Borrower d~IauUs under any loan,exlons!on of credit,
securllyagreemenl, purcha$o or sales aglllemenl, or any olhel agreomenl, In lavor 01 any olhor creditor or porson Ihal may mlllerlally afloct any 01
Borrower's property or BOlfowor's abilily 10 repey lhls Nole or perlorr'!\ Borrowor', obligations undar lhis Nole or any 01 Iho Relaled Documenls. (d) Any
reprBsonllllion or sllllement mado or lurnlshed to Lender by Bouowol Or on (]orrowor's behalf IS lalso or mlslalldlng In any mlllarlal respect. (e)
Borrower dies or beoomes insolvent, a (ocoiyor is appolnled lor any port 01 BorrOWOI's properlY, BOlrower makos an assignmenl lor Ihe oonolll 01
CU,dllor$, or any procooding is oommanood eilhm by Borrowol or ngnlnst Borrower under any bllnkruplcy or Insolvency laws, (I) Any oreditor Irlos to
lako any ot Borrower's properly on 01 In which l.endor has a lien or security 1111016Sl. This inoludes u garnistlmonl 01 any of Borlowor's accow'lts with
LendllL (g) Any ollhe ovan(s described In Ihls dolllull section ocours wllt\ rospoot 10 nny guaranlor of Ihls Nolo, (h) Londer In good lalth deems IIsell
InseoUre,
II any dSlaulI, othel than It dolaullln payment, Is curllulo IInd il Borrower tins nol uCllTl\livon II nolico of 1I brollch ollhe same provision 01 this Note
within !tIO preceding Iwelvo (12) monlhs, It may bo c\lfod (ond no ovonl 01 delllull will hllYO occurred) If Borrower, atter feceivlng writlen notice from
lel1der demanding cure of SUOll dolnull: (n) curos Iho dolault wllt,ul Moon (15) days: 01 (b) illho cum requiros mOIl'1lhan IllIoon (Hi) days,
immediately Inlliatos step~ whlctllonder deoms In Lenllor's !lolo dlscrollon 10 bo suUlClonllo oure tho Clolaull and Ihoroaller con(lnues Imd compleles 1I11
feasonable and neCOS5.lrY sleps sullielanllo produce compliof1cO as ~oon a~ feasoflallly plllOllcal.
LENDER'S RIGHTS, Upon defaull, Lenda!' may, aller giving such nollcos as roqulrod by lIpplicllbla iaw, declaro Iho en1l10 unpaid plinoipalllalaM(I on
IhiS Nole and all acorued I,Jnpald inlorosllmmadilllo!y duo. and Hlon Oorrcwol will pay 1I1al amount. Lendor may tliro 01 pay sornoono alse to help
collect IhiS Nole if Borrowt;lr does not pay, Borrowor also will pny Landor Ihal amOllnt. This Includos, subjoc.t 10 any limits undor applicable low,
lOndel', allorneys' lue~ and lendar', logel oxpensos wholhor or nollh9l0 15 a lawsuit, InclUding allorne'(ll' foos and legal e~pansas tor bRnkluptcy
proceedings (InclUding eftorls 10 modify or vacalo any alllomallc slay or injllflclion), appeals, and any anliclpaled posl-judgment coilaclion services. If
nol prohibiled by applicable law, Borrowor also will PIIY any oOUlI cosls, In IIddltion 10 all olher SlIlnS provldod by law. If Illdgmonl is ontolod 111
conneclion wllh this Note, Inlerosl will conlinua to acclUe on Ihls Noto aileI' ludgrnonl allho Inlel051 rato applicablo 10 this Nole allho lime )udgmentls
enlered, Thl' Nole has been delivered 10 lender and necepled by lender In .Ihe Commonwealth 01 Pennaylvanla, "Ihelll 1$ a lawsuit,
OOflower ogrees upon lender', rtlquIIS110 8ubmll to Ihe JurlsdleUon 01 the courla 01 Cumberhlnd counly, lhe Commonwaal\h 01 Penneylvanlll,
Thlt Nole thall be governed bV l'I(1d con'1lrulld In IIccordllnce with lhe IIlIY. ollhe Commonw(lllllh 01 Pennsylvania.
DISHONOReD ITEM FEE, Bcrrower wlll pay aloe 10 Lendor ot $20.00 If BOffOWO~ makos a paymenl on Rcrrower's loan l\nd Ihe chock or
prealllhcrlzed chalge wllh which Borrowor paYGls later dlsh(\norod
RIGHT OF SETOFF. BOlfowor grl\nts 10 lender a conlraoll,Jal possossOIY secl,Jrity Inleroslln, Itnd Mroby assigns, convoys, dolivers, pledges, and
translars 10 lendor all Borrower's IIghl. hlle and In(llfDst in and 10, BOlfower's OccollI'Ils with l.orldel (whothol chOcklnlj}, savings, or !iDnlfl OU1QI
accountl, Including wllhou! limllalion all account., hold jointly with somoone olso and allltl1counls Oorrowur may open in Hie IUlure, e~cludlnQ howovur
all IRA, Ksogh, and tlust Rccounts, Oorrowor aulhorlzos Lendar, II) UIO o;(lunl pOln1illod lly nppilcatllo I.,w, 10 oharge or solol! ail sums owing on Ihis
NOlo aQalnsl any Ilnd allsueh Gccounts.
COllATERAL. This Nole Is soculed by a Morlgag9 dalod FObruary \7, 1995, 10 Landor on real proplJrly lcealod in Cumbellllnd Counly,
COlI'!monweallh 01 PennSylvania, alllho lerms and condlllons of whloh aro lleraby Incorporllled and modo a pari of Ihl!. Nole,
L.INE OF CREDIT. This Nole evldencos a levolvlng line 01 oloClil. Advances under Illls Nole may be reql,Jeslad orlllly by Borrower or by an aulhorizad
porBon. LendOI may, but noeu not, roqullo Ihat all oral requosls be oonlirmed In writing, All communlcalions, Inslructlons, or dlroolions by telephone ('ir
otherwise 10 Lendor 81elo be dlreclod 10 Londer's oUlce shown aboye, Tho lollowlno parly or parllllsare aulhorlzl)d 10 requesl advl\ncos under Ihe line
of oredll unllllendor rOMlves trom Oorrower at landor's addross shown IlboVfl wriUon nolico 01 rovooallon 01 lheir Quthorlly: Joaeph Cekovlch, Sr,;
and Jtlln A. CeKovloh. BorlOwer aQrees to bo liable fOII,1I sums ollhor: {a} advanood In accordaneo wllh lhe !n$truolions 01 an lIuthorized person or
Ib) oredlled 10 any 01 Borrower's accounts wilh Lendor. Tho unpaid prlnolpal balance owing on this Nolo 01 any lime may bo evidenced by
endorlemont& on Ihls Nolo or by landor's Intornal rBcords, 1/'ICludlng dally compulol prlnl-culs. londer wlil have no obligation 10 advanco lunds under
lhl& Naill II: (a) BOffower Or My gualantor 1$ In default undor lho (orms of tIlls Noto orllny agreement lhal Borrower Of any guaranlor has wllh Lendel,
including any ngrotlment made In connoollon Wlltl Iho signing of Ihls Nolo: (b) aorrower or any gllAranlor oea$es doing buslnassor 15 Insolvent; (11)
any ouararllor leeks, olalms or 01t1erwlso aHompts 10 limit, fl',()dlly or revoka sunh guaranlol's guarantoe of this Nole or any olhor !olln Willi Lendor; (d)
Borrowel has applied lunds prOVided pursuanllo this Nolo lor purposa5 olher Ihan Ihoso Quthorlznd by Londol: or (0) Londer In \lood faith rleoms
IISelf Insecure under lhls Nolo 01 any cthor IIgroemonl tllllwoon Londer and OOllOwer.
DEFAlA. T INTEREST RATE, In 1M evonl oj defal,JlI lor whl..;h thl'l Londel doa~ nolllccelofa(o Iho loan, Includin\llhe lalJure 01 Borrower 10 provldo Iho
Ilnanclalfilalomenla as roqulred horoundor or undorHlll Loan Agroomenl, tho ap[illCablo Intoror.llato on Iho Loan, lor a period beglnnln~ Ihr06 (3) daY'
allill wrlllen nollco 01 suoh delaullllnd ondlngl,Jpon Ihe ruri(l'J of said nolioed dlllaulI, shalllrlclo9.se one qUllrtor 01 ona l1oroenl (,25%) lor Iho llrst thirly
(30) days 01 said dollluU And inoreaso an addUlonal ono qUDflor of 0110 prHCflnt (.25%} during Odch thirty (30) day poriod theroaller dl,Jllng whioh Ihe
noticed dalaUlt ilonlinues" Suoh dolllull Inler051 rl\te ,hall apply 10 Iho OIJlslanding principal balanoe ollho Loan. Upon Ihe cllllng of the noliced
dl;llallll, Ihe Inlerest rate on Ihe Loan r.hall rovert 10 Iho Inlllally agreod-upofllnlore$1 rille olloc(lve on Iho datA on which lho default 15 cured,
ANNUAl. PAVOUT/ANNUAl REVIEW, Tho Loan is subloollo lllhlrty (30) dllY payoul durin\! oach fIScal yoar al which tlmo tile balllnce musl be PAid In
lUll 101 a pellod ot Ihlrty (30) confiooullva dill'S. TI18 l.oan commltmenl will llxpiro ona YOnt Irom HID datlllhallho f'rOrTiisscry Nolo Is o~DC\Jted, 1ho
Londer will revlow Iha Loan annually 101 rorlew!lls OIld O~lell\lIOn'; 6ilCh fonDwals and OXlOflsions 10 be wanlod predlcalod on lho porlormanClI ollho
company and/ol indiViduals and a/HlolOllce 10 HIli 1,01\11 Agroomen! andlol 101ln policy
ADVANCeS. Advi\llC(JS on H10 L.CO!! Will ho mllda III your Inslfllclron In fI minimum amounl of $500,00 and procoeds 01 suetl IHlvllncofi will b(l
clopOSilod Inlo chockln\J nccOlJrll , 150.,0:1(14--1 at Pllnnflylvanlll Stato Clnnk. IllJdl,Jc!lons 01 1110 Loan b/llancu may bo ac:coll1l1li~llrH1 on your verbal
In"lllJcliom, alllhlllillflij thu ntJ(iVO llcr,ounl to ho r.1\JHQurl ~nd appllll(1 10 tho LORn balaneo
........
RECORDATION REQUESTED UY:
PENNSYLVANIA STATE DANK
2141 Markel Slreel
P.O, Box 417
Camp HUI, PA 17011
r~~~!~
. . 'I ' . ~
WHEN RECORDED MAIL TO:
PENNSYLVANIA STATE BANk
a14! Markel Slre!l
P,O. BOil 487
Camp Hili, PA 17011
" ,'" ' h Jt ui:.EOS
~ u'.,\O'r.'~ l. ^II 0 CO U 111 ~ . f' ,\
'.95 fm 21 f\1'111 ~5
SPACE! ABOVE! THIS LINE 19 FOR RECORDER'S USE ONLY
OPEN - END MORTGAGE
THIS MORTGAGE SECURES FUTURE ADVANCES
THIS MORTGAGE IS DATED FEBRUARY 17, 1095, between Jo.eph Cekoulch, Sr, .nd Je.n A, Cekovlch, who.e
.ddre.. I. 6906 Wertzvllle Rood, Mechonlcoburg, PA 17065 (relorred to below ao "Grontor"l: ond
PENNSYLVANIA STATE BANK, whose oddreoo Is 2148 Morket Street, P.O, Box 487, Comp Hili, PA 17011
(roterred to below 00 "Lender").
QRANT OF MORTQAOE. For .....Iuable consldera!lon, GrAnlor gfanla, bargains, Mils, convey., esalgna, trant-fetll, relus.es, conllrms and
morl;.;U 10, lender 811 01 Granlor's right. titlo, Ilnd lnlela!.! In and 10 the following dosclibed roal proporly, logo1her with all o.isting or subsequontly
olocled or affixed buildings, Improvements and h~luros: all slroels, lanos, alloys, passagos, and wa'f$; 011 oasomanlS, rig his 01 way, 011 hborlio'l.
p/ivllege6, lenemonl'l. horadllaml1nls, and appudenanC9S thereunto bolonglng or anywlso modo appurlenanl hereatter, and tho rovo/slon~ and
remainders wllh ,ospect thereto; all waler, waler flghls, walofcourses and ditch nghls (Including slock In utilltie'l with dilch or Irrlgahon flghIS); and 1111
other flghls, foyalHos, and prollls felAllng to Ihe real properly, Including wlttloulllmllallon all mlnorals, 011, gas, geolhermal and Similar moilers, located
In Cumberland County, Commonweolth of Panneyluonlolthe "Raol Property"):
12 Millers Gap Rood, SlIuar Spring Township, Cumberlond County, Pennsylvonls as lurther described In
Exhibit "A" .Uoched hereto ond by thle relerence mode a port heraot,
The Reol Property or Ite addre.. I. commonly known os 12 Mltler. Gnp Rood, Machanlcsburg, PA 17055,
Grnnlor plosonUy assigns 10 Landef all 01 oranlor's right, 11110, and Interest In and 10 all leases of the Property IInc.' 1111 Rants Irom Ihe Properly. In
addition, oranlor grants 10 Londer a Unl!orm Commorclal Code s&eu/Ily Intoroslln Iho Porsonal Properly Ilnd Rents.
DEFINITIONS, The following words shall hove Iho lollowlng mellnlngs when used In Ihis Mortgage, Te/ms not olhmwlsa dehfled in thiS Mo/tgage Shllll
havo Ihe meanings allrlbuted to such torms In Iho Uniform Commerolal Coda. All fo'eroncos to dollar amounts shall moan amounls In law'ul money 01
thO Unlled States 01 Amerloa.
ElCl.Ung IndlblednlSl. Tho words "Existing Indeblodness' milan Iha Indebtodlloss dO$ollbod bolow In Iho ('xisling Indeblodno$S socllon 01 lhl~
Mortgago.
Oranlor. Tho word "oranlOIK moans Joseph C>\tkovloh, Sr. .nd Jean A. Cekovlch. The G/antor Is Ihe mor!gugor under Ihls Mortgage,
Guaranlor. The word 'QUllranlof" moons and Includes wilhoullimitallon each and all 01 tho gualRntors. SUlelies. and acoommodation padies In
conneollon wilhthe Indebledness.
Improvemenlll. The word "lmprovomenls" means and Includes wllhoul IImllallon all e~I$ling and luture Improve monts, Iiltures, buildings,
slruolutos, Mobile homas 1l1(I~ed on lho ~oal Property, 'acillties, addlllons, foplacemonts and olher conslruollon on the Real ProlJorly.
Indtbltdneu, The word "Indablednoss" moans all prlnolpal up 10 $25,000.00 oulslandlng under Iho Note at any lime and intorost payable under
Iho Nolo and any amounts expended or advanced by Lendel 10 discha/~e obllgallons 01 GIBnlor or expenses Incurred by Lender to enforce
obligations 0' Granlor under Ihls Mortgage, logolher with InlelO~l on suoh Unlcunls as provided In this Morlgage. In addlllon 10 lho Note, lhe word
"Indebledness" Includes all obligations, debts and lIabllllles, pillS Illlorest lhereon, 01 Granlor 10 Lendor, or anyone or more or them, as well liS 1\11
claims by Londer against GfllnlOf, or anyone or more 01 Ihom, whelhor now oxlsUng or herOll.rter II.rlsing. whother r&laled or unrolated 10 tha
purpose ollhe Nole, whelhor voluntary or otherwiso, whelhor due or nol duo, absolute or oOnllrlijenl, IIquldllted Of unllquldaled and whelhor
Gfanlor may be liable IndIVIdually Of jOintly with others, whalhor obligated as 'guaranlor or othurwlso, Ilnd whelhor lecovOly upon suoh
Indebledness may be or ho,oaller may becomo barred by any stalulo ollimilollons, and whelher suoh Indeblodr\fISS may be or herualler may
beoome olholWl$o unenlofcoabte, SpecUlcallV. wlthoul Umllallon,lhl. Morlgage seoure. a revolving IInl of credit, which Obligate. LflOdff
10 mllko advanon 10 Granlor l,Inle.. Granlor faUI to comply wllh aUlhe lerml ollhe Nole and Lender glvel Oranlcr a noUce of delaull.
The lien. end securltv Inleretls crealed pursuanllo this Morlgd\]t covering Ihe Ind"blednell which mllV be crealed In lhe Mure thall
"Iale beck to Ihl dale of Ihls Mor1gage.
L.encter, Tho word "Lender" means PENNSYL VANIA STATE OANK, lis succossors anclas$lgns, The Lender Is the morlgagee undor Ihls
Mortgage.
MortgalJf. The wore! "Morlgage" means this Morlgaga betwoen Grantor IInd Londor, and Includos wllhoul Hmllation all 8sslynmenls and securlly
Inloresl provisions fslallng to tho PEl/lional Proporly and ROnl~.
Nole. The word "Nolo" meana the promissory nole or c'odll agroemenl daled Fobruary 17, 1995, In tho original princIpal amount or
S26,000,00 'rom o/anlor to Landor, logothor wllh all ronewals 01, e)(lenslons 01, modiflcalion. 01, rellnancings 01, consolldallons 01, and
lubllUullons lor 1ha promissory nolo or f1gfoemonl. NOTICE TO GRANTOR: THE NOTE CONTAINS A VARIABLE INTEREST RATf.
P,,",n.1 Properly. The words "Personal Properly" mean all oqUlpmont, IlxturflS, IInd olhor a/licla$ 0' porsonal prope/ty now 01 herOIUor ownod
by Grllntof, and now or herealler llll/lohod or alfixed 10 1I1e Real Property, logethor with all accessions, paris, and IIddllions 10, IlIleplacomanls 01,
llnd .11 sub.lllulions lor, any 01 suoh properly; and loQather willi all proceods (inoluding wlthoulllml1allon all Insurance proceeds and relunds o!
premlumt) 110m Iny aale or other disposlllon 0' lh9 Proporty.
Property. Tho WOld "Properly" moans collectl....ely 1M ROlli Properly andlho Personal Properly.
Re.' proptHly, The words ~8al Properly" moan tho property, lnlerosls and rig hIs descrlbod abovo In the "Grant Or Mortgage' secllon
Rel.ted OocUn"nl.. Tho words 'fl.elalod Dooumonls" mean end Include wllhoul limitation all promissory nOlos, crodlt agroernents, loan
agreemflOtll, anylrolUnental agreomonts, gua/ontles, soowlty I\QloomonlS, mOflgl\QOS, doods 01 trllsl, and III olher !nstrumonl~, agrooments and
documenta, whelher now or hor8allor o~lsOng, oxeculod In t}onnee;lIon wllh !tIS IndobtodnOllS,
R,nl., The word "Renls" moans /III prosanl and hJluro rants. ,ovonuos, Incomo, IMloUes, loyalties, prollls, and othor 'ben01l1s derIVed Itom lho
f'IlOperly.
THIS MORTGAGE, INCI.UDING THE ASSIGNMENT OF RENTS AND TIm SECURITY lNTt!REST IN THE Rf.NTS AND PERSONAl PROPERT,Y, IS
GIVEN TO SECURE 11) PAVMENT OF THE INDEBTEDNESS AND (2) PERFOflMANCe OF ALL OBLIGATIONS OF GRANTOR UNDER fHIS
MOATGA.Ge AND THE RELATED DOCUMENTS. THIS MORTOAOE IS GIVEN AND ACCEPTED ON TIlE FOLLOWING TEAMS:
PAVMENT AND PERFORMANCE, Excopt as olM/wlso provided In this Mortgage, Granlor shall pay 10 Lender allamounl\) securod by Ihl~ Morlgalllr
III Ihey become due, and shallllrlcUy perform all 01 Granlor'" obtlllll1l0nS under this Morl\lago
POSSESSION AND MAINTENANCE OF HU! PROPr.RTV. Oranlor agreos lhel Grantor's ponossion and liSle 01 the Prop<<uly shall bo gllvflrf\8d by Iho
1(>lIowlng prOViSions;
POlHUlon ,nd U... Until In r1olnull, Glllntor mllY remain In possosslon and emllrol DI and oporalo and mMlagtl 1M Proporly and coUocl Ihlr
Renls 110m tho f"roporly
Duly 10 Mllol",". n'an!or "hall rl1sll1!oin Ill" I'rorOlly In IOllnnlstJlu coo(hllOr1 Olll! plOrnplly rmrlOlll1 all ropalrs, r&plnr.llmonlll, IInd mllll'1lof1lnCli
n.cen.ry 10 pl.SlI/IVfl II. valu(I
li ''1 p,',".\O' ^jj()(!UI'1 Ug' 1)0 "'~~'.eiliJ tHII '(,> ',!ld pilU 'iI.' l',uu{J{! mil OJ 'J!f\IIIII'hj~ UJilllrl\';Ui p'-'IIII.I"'1i IJly"I"'S IV iJUlun6UIIHUIUUUn
, " 'Ii ~ 'J lovq
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,tlunIJill" ""H HJPIlII lilpUil"l OJ th,l.llo ILHlOlHII .1,\111 ,Iud Ilj 1'.IIIIJO',1I uq Illlq'-; ^1'''dOld IJllljO IH)llllHII'-;UI!!J lIudu! 1l'.j1 UIIJlJII'\llillOJ Ill!! ,>uq hJpuO'1
lI'<lV, l'uu Id'lIJiJl l,u'4I IUIIlI ~^llp DUI lilliII''' p;l'dflq'Jlp 11l1<lq jehl UM/ll lPLl'" ~f;lhl:)flld )oI1V 1')fHHlU,iJ1111Iillillji \11 10\l LI JOllIIIJ!J I' lJOlilJIOj~l1J II'
,;~(la, jO I~OJ UIClUllOSUtlJ <lllj 101 gpUO:J.fJj(j OlH 1I101111.'II!1JJ~ U\i!rH!llliUI II) ~lld 'U!II)IPlIlHhu lI:iII~ jO j()UHf AHJI:illf'jljU'.i iJOdrl 'IIUll~ JOPUO'lJOI!II(I')
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~1I ~palu H1flilll'j II ~llUdoJd lllU,o mull" PUll UOlllliOl\iUJ tllll Jf1 'Apodold fHH BUlI~llUIi llUll ~\IU 10 1ll(lW~ud 'UGBUplllQopul u41 10 uOIl:JnpUJ 1Il11 01
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'S\iOI UI )(1II1111.'JlllM 'UjqUIIUM' lq Ill'll OflllJilMIJ 10 1:Wlllunullxuw 041 JO 'VIIOI OIU jO OOVlIlVq lid!JVlld
pludun IIn, OIH 10j pUll UUOI 041jO W!1I1 mil 101 'olQuIIIMU ~uuJO:JUq JO ~I pUll IllflU1'1 Aq flllllnhllJ III o:luumSullj:ln.. luolxO 041 01 'OJVIlJnllUI pool;!
IIIIOpO:! U!lllllllllU pUll ulUlqo 01 $oolflu JOIIIIlJ!) '11011' !lIU1UlI POUII IUF)litI11 II su kiUOOV jlJoUJllflullU,.. k}Uo6ll)w:lIBJOPU;/ 041 fO JOI:101IU Olll Aq
P"If1l1fl'~ep 110)0 110 UI Pllli:>oj owu:Joq OWIj A~ltlIU ~llOclold IUllU 1141 PI110\L; '\lOUJUd 101110 ~uu 10 JOlllUJD jO III1UjOP 10 UOIUGIWO 'pu Aul! Aq AVM
Allu UI POIIUdwl oq IOU 111M 10PVlllI0 10MI UI Oflulu^O::lIUIII 6U1pltlOld IUllWOSJOpUU uU Opnj::lu11lU4S OUlll A:,IIIOd oouomsul Ipll3 '0:'11011 4:,1ns 1)Alfl
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02-11.,1995
Lool1 No 5002571-02
MORTGAGE
(Col1l1l1uod)
POgo 3
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TAX AND INSURANCe ReseRves. Upon """,I Ily Lan""' "n" '''''1'''''0 ,pp"OO"'o InW, Gr"'''' ,h.1I p"y I; L'''''' "e" moOlh '" In, "y
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",.""on", w."r oh"g" and ..wor ,orv'co 0"""" ,,,10' .g.In,1 " '" "o.u"' .1 In. p"porlY ond Ib) onOU" p"m'un" lor p,'''''' 011".
'MulOOCO w"h ,II "'" ,IOndor' .,'ond.' e"."" ro,u'IOd "n'or "''' MOIlg.on I'~,,<ow ".m'"), Lan'or "'Y ..11m'" '''' .mounl 01 E"<ow Fond,
0" '''' b.." 01 0",,,01 dolO ond . "..onoblo "''"'"'' ollu1,," E,mow lion". All E,croW Fund. ,h.1I b' ",Id by Lan'or and ,p,".d I. pay ''''
E,"OW "'m' w"an dU'. L.n'.' wll' "" OhOlg. 'or "o'd'ng ond ,pp'y'n. 'h' E.croW Fund" an,ly,",g Ih, 8Ooounl, 01 ""lYing ,he E.orow '10m',
on"" L,"dor p.y' O"n'" ,"",.,, on ",n E""W Fund, oed ,ppIiOO"" ,'w p","'" Londor I. m,ka ,,0" ,eh"g. O"nlor an' L.n'or may ,gl..
'n Willing '"'' Inlor.,1 ."'" ". pold on I'" """W Fun'" Unl.., an "100"0"'" n"'o or .ppllcoblo "w I.qll"" 'n"r.,11o bn p.ld, Lon'or .".11 nol
b' r.qo""d 10 PRY G"n101 or" 'n,.",1 01 oor""'" ." lhe ,,,row Fo""" T"o E"row Fund, ." plo,g.d " .dd'''O",' '""IIIlIy fOl '''' ,moun"
.."u"d bY"''' Mollg',', 11lho '"00''' ollhn ,,,lOW fun" "o'd "y Landm, 'ooo",or wllh '''' lulUr. mon"'Y p""ool' 0' E'.row Fon'" "i" 10 "'0
'uo d.I", 011'" ''',.W lion'" ",,11 ",,011 "" ,,,"'" ,.ql1i"d '0 pay Iho ,"ClOW II.'" when duo, '''' ,,"0'" ,,,,II ,., " OlOnIOl" oplicn, .11""
p,o"p"y "pold '0 OlOnlU' 01 "odllo'" 0""'" ,,, "Mdo"d p"mon', 0' E,,"W F"n"'. ",... ."conl of lhe ,""OW Fun" he'd ',y L.od" " nol
,,11<0'.""0 ",y '''' ,,,lOW "'01' w"an dUO, 0""1,, ",,11 poy I. Lond.' no, ",,"unl noo"'''y 10 ",k, up '''0 ".I<c'."ey In 0"," 010" p,ymno" "
roquirllClby Landor.
EXpeNDITURES BY LENOER. 11 W,,'"'' I.", '0 comp" Wi'" ony p,,,'''OO 0' "," M,II,,,go, Including ,"y obli,'lion :. ,,"ol..n E"""" '"do""OO"
'" g." "ondlng" "qw," ",I.w," II noy at'"'''' PlO'OO"lng" com","CO' 11'" woo'd ""."""y ,1100' L''''or', 'nlo"'" ,,, '''' PIOp."Y, L."dor
.n O"nlor', b.h,1I "OV. buI,"oI1 "01 b' "qo".d I., "ka ony "I"" ""' I,,""" '''01' "p'oo'''''' A"y .mounl"'" L."'.' ",p."" ,n" ,"n, Ylil>
boor Inlor.,1 01 ,,,' "" o"or,.d un'" Iho Nolo f,o" 1110 "'I' "",,,,,..1" paid oy Lond" 10 '''' d," 01 ",.y"'''' by O"nl". All ""e" "pon,", ,I
,.n'''', oolion, w,lI 101 "0 p.yab" on d.n""', (b) b' ,ddo' 10 1110 b,"n" 0"'" N.la on' b, 'pp"I"",' .m,"g an" b. p,va'" wll" ,,'v
""Ioll".n' pn,"'"" 10 "800". duo do"ng "'"" I') ,,,. ,,," .f ony OOp"OOb'. 'n"""OO' polioy 01 1"11h0 "m,'mn. I.'" ollho Nolo, 01 (C) bo
"..Iod " . bol,,,n ,.yman' wh,oh will b' doo nod p"y'"'' ,,"" Nol,', ",'orIlY, Th" M.rl",o ,'so will "COr. paym.nl ollh'" a"Olln". T".
"ghl' plO'lldo' 101 In '"'' p,,'g"p" ,liall bo '" .ddillon I. ony o'''or r','" ., noy ,,"0'" 10 .""h Land.' m.y bo .nll"" .n ,,"u'" 01'''' dol"oll,
Any ,ue" oolion by I..ndor ,"'"001 b' ,,",Iru,d '" cu"" 1"0 ,,'aull so " 10 bor L.n'" 110" any""." ,,,,11 O"'.,W". wcold hoVO "',.
WARRANTV: OeFeNse OF rlTLE. Tho 'ollow'''' plOV"'.O, ""ling 10 OW".""" of '''' p"p"'y ".. p"" 0'''''' M"IO.g'.
Till., O"nIOl wa'"'''' "'0' I') O"nl.' "Old, Ooed on' m,'kolob'a IIl1a 01 r.,or' 10 "'. .roporly 'n '0. simp'., ,,,. ond "..' 01 ,1I1i,n, an'
anoum"on,," .,"" "'on 1M" .."orlh in "'. R'" PIOP"lv d,,,,'pli.n " In ,,,, E'i,lIng ',d.b"dn". ..ollon b.l.w or 'n any 1111' in"""non
p.licy, III" ",.rl, or """"". oo'''ion ,"U" '" I.", 01, on' ne,.pl" "y. Lnn,.r 'n conneo".n wlI' "''' Mod"ga, ond (b) O"nl" ,,,' "'01011
rlghl. pOWOf, and aUlhorlly \0 o;<oculeqnd d€llivor (his MoIlUl\'iI1110 Londer.
D.lon" .1 Till.. Subl80ll. I'" .,copllon ,,, "'0 p."g"pll ,b.uo, Olanlor wor"n', ond w"',""" d".O' "" lill. 10 I'" 'IOp"'Y ",,",I''''
IowlUI elO'm. ., .11 p."."" '0 "'0 ,vonl ony ac"on" pl"""dlng "oemm,oCO' ,"01 qu"lIo", O"nl"" lill. or "'0 'nl."" 01 Lan'or "dO' "'"
Mor'g.g', GIOn'or ,hol' ,.I.n' '''' ,,".n .1 O"nlor'. "pon,", Oronl., m.y b' "', n.,,'"" ,or" ,n ""c" p,,,..ding, bul L."or "'all b,
onlill.d 10 ,,,"e'p.'o" I". pI",..dinO and 10 no I"","n'" In I'" p,,,,.dI'" by ,.u",oI 01 'and"" own ehelea, orl' O,anlo' w'" 'oliV.r,"
cause '0 be delivered, \0 Lender Souch InslfUmonlr. as Lander may requesl fiom IImelc lime \0 p(4/mll such parlioipaHon,
Compll.noo Wllh L.W'. O"nl.' w,,,"o,, '",' Inn Proporly and O"nl"" u.. 01 '''' p"porlY ,."plia, wll" all ""II'g ",p',,,bl. lOW',
or"nonCO', an' "'''0'''''"' 01 geve",mon'" au""rll''', Ino,"ding WII"".III"II,"on .11 ,pp"oob'. .nYlronmanl., I,w', ord'non,,", on' IOgUlolio""
un'," 01f""'''0 ,p,,'",ally "co"o' In '''' onv".n"a,,'" "ro,,,onl.x",u'a' by G"nl.' and 'on,.r "Iollog 10 "'0 Prop'i1Y,
EXISTlNO INDEaTeONESS. Tnn 'ollow,"" prov"ion, o.ocorning ""iii" ind,,,,d"," ('''' "Ex"""" Ind.bla'n.,,") ,ro n pori 0'''''' MoII"go
E,,,"ng Linn. T'" ".0 01 "", Morl"g. ..,ur'ng I'" '"d,",do... ,,'v b' "coodory on' 'nl.,iu' 10 an .,"ling "an. Gr,,'.r "p""'y
oov.no"" 'M ,g".' I. p'y, .' ,., I. "'. p,y"." .1, '''' E,i,lIng '"d,".d"," ."d 10 provan' any "I,u" on ,uoh In,.""n,,', ony d."ull
und.' '''' in"",,,,"I, ovid,"o'n" ,uoh '"d'''''''''' or '"y d.IOull undor any ,,,urlly ,,,,,um,," '" ,u,1I Ind.blodn""
O.I.ull, ",,,. p"yn\Onl 01 or" '",I"lIm",1 .1 pllno'p" or ony 1n1"..1 on I'" Ex""o, ,",."odn."" "" n..d. wll"ln "'.lIm' "oull'O oy '''' n.l,
",d.nc'''' ,uc" Ind,".d",", or 'hell'd a d,l,ull ""eu' un'or '''' 1n,llIIm.nl "cuI'ng ,oc" In"ablo'''''' on' no' bo our.d during ony
,,,,,,,,,, g"e. p.II.d I",ro,n, "'.', all'" .plion 01 ,.,d.., III" In"blo,n." ,,,UlO' by I"" Morlg.g, ,11,11 bacom. ,,,m.""o'v duo on'
payable, snd IhlS Mortgage lIhall be In defaul!.
No Modll".lIon, G"nlol s",1I no' '",.' InlO ony .g,..monl wlI" '''' "Old.. .1 any "orlg'g. or o"'or .",u.lly ,gr..m,"1 w"leh h" p"""y "or
"''' Morl,.g, by wh"h ,,,.1 "r..".nl " "odill,d, ""ond", ",Ion'.'l, or "n.w,d "II...U' ,,,' PI'" wI""n o.o,.nl 0' Land.' G"nlo' ,h.1I
n.''''.' roqll,,1 nor ",c.pl ony 'u'U" ,dv"no.' u"d.' ony .u,,, """lIy .g",manl WII"""'''' p,'or w,lIIan oon..nl ., Land...
CONDeMNATION. The following proviSions rvloling \0 condamnalion 01 IhO ProplIfly ore 0 pAri 01 Ihis Mortgllgo,
Appllcal'o" 01 N., proce.dI. ",II or ",y p'" 0' '''' Prop"ly " con'o"'''' by om"'"' 'ornoin p.",.oo,"O' or Oy ",y p,,,,,oo,,"g " p"roh"O
'" ".u 0' o.n,.""I"o, ,.n'or "" " ,I. ".,"on """". 11'" ,II " ony p,,".n 01'''. nol p''''.OO' of "00 .w"d b. .pp"" 10 I'" 'n',b1.'"''
or '''' ",,'r or '."0"'''" 01"'. Plup."Y. Tho r,,1 p''''''''' 011'" ,wor' ,hell "a'" '''' .w", ,II.' p,y","I.,.1I neW" co,,", "p,o'." ,,'d
aUorneyll' lees inourred by Lendo,' In connection wllh lho oondomnnlion,
p,oce.dlng', II ony procOod,"g '" con'.mn",,,n " liI,d, G"n'or ,hell ,,,,,plly ",Ii'y Lendor 'n wlllin" ,od O"n'" ,,,,II p"mp"y laka ,"eh
,lop. " m'y bo nee.".'y '0 d.'ond "'0 80"00 '''0 0""" '", ,w"d. O,an'" ""y be "', no",",1 porly 'n ,uch P,,,,,,,,,,,g, bo' Lon'.' ,,,,II 0'
onlll'" la p,"<o",,, 'n "" 1I",oooInO and 10 '" ""n"n'" '" '''0 "",,,dln, "y coun"" 0111, .wn oho"', ond o,,".r w,1i "livo' or "".. Ie
b, dol'''''' 10 L.nd.r SI"" ,",'ru","I," m" ", ",,,,,"d by II ho.m 11m' 10 ""01. por,,1I "oh p"licl""on,
,MPOSITION OF TAXeS, FEes ANO CHAROES BY OOVERtlMeNT I\l. AUTHORITIeS. Th. lollow'ng p"v,,'o", ,.,.II'g 10 gov..n"on"ll,m, ,,,'
and charl)ee ala a porI ollnl!) Morlgago;
currenl T''"', F... .nd c"org... Up.o "qu..1 by L.ndor, OlOnlor ,,,.11 """ulo ,oe" d""um.n', In ,ddillon 10 'hl5 MO"g". ond Is",
w".,,,or 01,,"1 "lion" I.,o,,'UO by l..nd.. 10 p"'''o' on' "nll"U. ,,,dal" "on on '''' R'" p"p'''y. O"n'" ""II ,,'"0''''' Land" lor ,II
I"", " ,,,orlb.d holow, 10<1""'.' wll" ,Ii "P'"'"' ,,,,,,ro,, In "".,dln" p..feellng ., oonll""lng '"'' Mo"O.ga, ,"c'o",", wllll",1 IImllol"n .11
lotes, 1005. documenlary slamps. and olhar ohslgas 10f rO\lO!dlng or loUISloring It'li$ Morlga\Je,
T"'" Tho 'ollow,"g ,,11.11 co","lul, la'" " w""" '''', '''''on 'P""" ('I' 'peelliO ,,,' upon 111" 'yp. 01 Morlg',o .. ",,, ,II ., '"y "" nl
Ih. 'ndoblo'no" "ou", "y '"'' Morlg'"'' (bl' ,pnell" ,,,' ." G"nlor w'''eh omn'" " ,ulhor,,,d " roqw.' 10 ,.d"c' "0'" p,ymool'" ''''
',d,blOdn.., ,.coro' "y ,,,', Iyp' "Morlg"'" '0)' I" on '"'' Iyp' ., Modg,,' c"",,,,,,'a ",'nsl "" Lon'or " "" ho"" 0' llro N"", on"
I')' .p.oIlie ,,, 0" "II or ony porlloo 01 III" ,,,"'''0'''''' or .n p'y"'''''' .1 p'"'''P''' onel,,,lor,,1 ",d' by 0",,1"
SUb..qU.nl rox", II ony 'OX '0 w"ieh '"'' ,"0"" ,pp"a, " '"","" ,,,,,,.q"'"". ,,,. d," 0,'11" Morlg.g., '"'' "", "",II ,,,,,'I "''I,or''O
.11'" " '" Evonl n1 0.",,11'" O,,,,,d b"ow), on" Lon'or ,,"y .,.,,,,, oey or ,II .1'" ",'Ioblo ,,,,,adl" f" '" E"nl 0' 0"",,11 " prov"'"
""w un"" O"nlor all"or I') p." '''' ,,,' "."ro 11 b"o"" "'IIi"quon'," Ib) e.nlo'" lho '"'' pIOV".' '''0'' '" '''" ,.." ",'II u""
,,,,ion ",,, dOP"'" wllh land", ",,, or' ,u'''o'onl OOlpO"'. ""'Y bon' or .111" ",ollly """",.ry In l.andOl,
SECUH'TY AOREeMENT: FINANCINO STATEMEH'fS. 11," "1I.w',,g p"Vis'm" ..I'''''g '0 "", M"",g'", a ,no,,,lIy 00..,,"'0""". , p'" ,,' ",,'
Morl(JlIge,
S.""lIy ..".m.n!. TlI" I",hllm"nl ,,,,II c.","lul. , ,"'""" '0..""",'10 ''''' ",.01 ,"y n''''a PlOpOlly ,,""iI"l", ,,,1,,"1, 00 OU'.' "",,"'.,
plOporly, an" ,,,,d.' ,1..11 "ova '" 01 1M ,~"" ,,, ,,,,,,nO porly "nrlor I'" "nI'OIm C."".",,,, c,,,,,, ,mon"'" 11011I "01' 10 "mn
S80u,'ly In,.r,,1. u,on """,,'1 by 1,'''''''', OlOn'OI ,10,11 ","c"" 1I",,,cln, ,"'"''0,''' "" 1.>0 w",'a'or ,I"or 001""" ""u",.,,"y '"'"',, I.
p""", '0" eo",,,,un I.'"""" "n,,'ily 101""'" on 1100 11,,,1. ,od ".".n,,' p"p,dl ,,, ,,'dll"" '0 I"."li"g "''' M"'g".n on '''' ,.", """,dy
'"'"'''' I.n"'''' ""y," ony 'on'" no" .11"'"'' ",,",," ,ulllO""'"'' loom G",,"", "In "'''''''' onunlmporl" cop'" 00 "PlO'"'''.''' 0111'"
",,,,,,,,, "' " f'",I"""II 1,Io'n""'" Oon"I," ,',," ,,,,,,,,,,,,,, ,,,,"m '00 ." ,,,,,,,,,,", ",CO""" '" "",,,o"n. " ,on"""'"' "'" '""""V'",.,,,,,
U""" dn'''''''' ""nl'" .10'" ,,,,,mnll'" '''" ",,,,,,,,'I'..,,,,,y i" " ",or,,'''' noli " , p""" ,"",""''''y GO""""'" In G""'" a"" I ,,,"01 ",," n..ll' "
Ih'RIIIIlJle 10 \ (lfH!llr wllhili !tH(iU (:ll (lnyb nllw fOculp\ 01 wli\lOI\ (I(Hll(1l1(\ Irom !.ol\(lm, ...- , ')~2 1'~Cl ' fJ 8
,",,",,,, "'" ""'''''11 "",..',,, "' """"" ,,,,',10') ,,," ""uf,,, ,,,"',,,,, p""y), """ Wf,~~q~,~,I,(,,'1:,,~ ""'" 00"" ',1" ,,,"""" ",1",..1
~___.., ."~OU__
.~-~_. "-""~-
02-17-1096
Loan No 6002671-02
MORTGAGE
(Continued)
POlle 4
___~'M'~'_____".T_~'___._~_
-. -. ---_._-_.~---"..._--_..__.._,...._-
o""=~.~,.,~,",,
grllntod bV IhlS MOIiQIlOll may bo (Ibllllnfltl (onch A~ rO(julmd hy 1'10 lJnllolm CornmOfOlnl Codu), 11m nr, &Iolocl on 1110 llr~1 P11\lft olltlit M[Jrl(]~[w
rU~THER ASSURANCES; ATTOANeV~INwFACT, Thl! lollowing rltOVISIOIl~ ,olnhrl{l 10 hulIlOr llf,~Uf/lf\(llln And /IHorrloy -1n.I/II';1 I\!O II pall 01 It) '.
Mo/lgaoo,
Furlher AUlltllncu. AllinI' !11M, Ilrld from limo 10 limo, upon rnQlJt'191 01 Londor, GrAntor Will mllkll, ntoculo and dollvol, 0/ Will CIIl!~O 1(1 Iii'
made, 8K9CUtod or delivored, to l.ondor or to l.ondOf'lI doslgnoo, IInd whon roqUO!Itod hI' tonellll, CIlUt,O 10 ho hilla, fll110rdorl ((,1,11/(1 0-
forooorded, liS tho ollan may ho, fit tUIHl tlmos Bnd In such olllen!. a:ld plncos 1I~ londol may deom IIfllltop/lato, any and atl $UOh mort\II\Ull~,
doeds lllltufil, &eourlty deeds, loourity aQroornonls, flnllnOlng &Ialormlflt~, conlinlJulion 1\ll\lom\Jnls, Iflstrumont~ 0' lurth(lr nS$urnncl'l, cllrt,rrc'lIln',
Bnd olhor documont. an may, Irj lho solo opinion of Lanl1or, bo nOCOB\inry or d81l!(nblo io orClOI 10 nUoclulllo, compralo, pllrfoGL COrlIIrHIO. ("
pro.orva (0) Ih(l 01l1101l1l0n5 0' GUlolor \l'ldor Iho Nolo, ttll!l MCIIIllalHI, And tho Rolatocl Documonls, find (hI Iho Ilon~ and ,o(1wit,. InIOI(>~I',
C!oaled by thl, Mortgltgo nn Iho Proporly, whothof now owned 01 horoaltor /'IcQI/irod by (jrllnIO/, Union prohlbilOd by law Of /'IllloOd III Iho
oonlf.ry by Londor In wrlllng, GrMlor shall rolmbuma Londo/ for all 0091s and oXpOnllll!llnourrod In oonnooliQn with 1M maUor5 /l>llIrrocllo In Ihls
pafagfaph,
Allorliey-In-Facl. U OfHnlor tailS 10 do nny ot lha thinQl> roforroc! 10 In ltlfl pfO(1fldlno parngraph, lonclor mny do so to/ and 111 tho fllll'T\O o!
arantO/lnd al GrAntor's oxponso, FOI such purposos, Granlc/r hOfOby irro....ocllb!y oppolnls lllnclOlllS Gfsnlor's III10rnoY'-Ifl-.;IlICt tor tho pllrpnt,o
01 msklng, OXoclltlng, doliVllrlng, 1111119, loco/dlflg, and doIng all olhor things Il!l may bo nocossory or c!o,lrablo, In LOMlor's \010 blilnlon to
acoompllsh Ihe maUOt. folorred 10 In thO procodlng pllfagraph.
FLl.L PERFORMANCE, II oJfantol pays alllho IndeblodnoS$ whon duo, IInd othorwlso podorm9 all lho obllgalion~ Imposod upor, Granlor unclnr thl~
MOItgage, lendof shall oxooulo and dollvor 10 (lfnnlOl n llUlt81:llo $Iltl'ltllollon ot this MOllgago snd Iiuitnble slatomonls 01 to/mlnallon of Any ItnAIlClrlg
statement on f11f1 evidencing tende/'s socunty Interost In Iho nont~ 8nd Ihn Pnfsonal Pr(lperly. GranlOI will pny, II pOlmltted by applicablo law arw
r08lionable tefmlnellon 100 as dolofmln90 by tendo/lrom limo to limo
DCFAtA. T, l:aOh ot lholollowlng, allho oplion a! Londllr, IIMII constltuto an ovont 01 dofault ("Evllnl of Pofllult") under Ihls Morlgngo
Default on Indeblednell, Faiiuro of [lranlof 10 mnko Rny pllymonl whon dllo on tha lndoblodnoss.
Delault on Olher paymenl!l, FoilllfO of Granto! within the lImo IOq\llrfld by lhls Modgllllll to maku any pnymonl for tnxes or In~uranco, or /If'l'/
olM/ pRyment neoesury 10 prevont filing of or 10 1l1l0(11 dlschnrllo ot any lion
Envlronmentat De'a\.lll, FOI!uro 01 any party 10 comply wilh 01 pnrlorm whon duo Ilny lerm, ohligallon, covonllll1 cr condlhon conll\lnod ii, Un'l
envilonmontal agrenmenl exoculed In oonnactlon with tho Proporly
Compliance Defllull, Falluro to comply wllh any olhOf lerm, obllgftllon, covenant cr condition conlalned In this Mortllllgo, tM Nato or II111ny oltho
Relaled Docul'J'lents, If such a tallurllll\ Cufable IInd It Grantof has nol beM lJlvon n nolioo of II bfanoh 01 the sarno prOVISion of thl' MOfigago
wllhln Ihe pfoceding Iwetve (12) months, II may be curod (and no Evell! 01 Dolaull will have occlllted) It Qr/lntor, aller LondOf MInds wllllon noilco
demanding CUfB ot suoh falluro: (a) oures tho lolluro wllhln lilteOll (Iii) dill'S; or (b) If 'ho cure requllos more Ihan flfteon (15) days, Irl'lmedlatoly
Inlllatos sleplo suHlclenl 10 turn tho fllllufe Rnd Iher08110r continues IIlld complotos allloasMable and neoessnry "ops sufflcinnt 10 pfodlJCC'
compllanco It!I soon al\ feuonably plnctlcs!.
Delaull tn Favor of Third Parllu, Should Borrowor or any Grnnlcr rlotnull undor any lonn, oxtenslon 0' Cleolt, security 8greemonl, pUfenaso 0'
sala9 agtoemont, Of tiny olhel lI\1rOomonl, In tnvor ot any othor cfodllol or perl\on Ihal ma~ m~loflaUy aUoel ilny 01 Borrower's properly 0'
BOlfower's Of any Granlor's ability 10 /opay 1M Loans Of pO/lorm Ihnlr rospoctlvo obligollons undor lhl~ MOlliJaga Of ally nl Iho f1elale(l
Documents,
FiltH Slaleml'lnll, Any wllflflnty, reprosontallon or slalamanl made or lurnlshod to Londor by or on behalt ot (lranlor Imdor this MorlQIlQo, tno
Noto or the Aslalod Documents IS lalse Of mlsloadlng In any mlltorlal raspecl, nllMr now or allhO lime mada or hlfnlshecl
Dealh or Insotvency. The doalh ot Ofllnlor Of tho Cllssoluhon or lormlnallon 01 Grantor's oxlltonoo as a gOing buslnoss, the Insolvoncy of Granlol
lhe appolnlmant 01 a /ecelvor 10f any parI 01 Grantof's property, any ftSSlgnmenl for Iho bonofrl at credltols, IIny typo of oredilor workout cr 1M
oommenoemenl 01 any proooed/ng undor any bankruploy Of Insolvency taws by 01 agaInst Gfanlor.
Foreolosure. Forfenure, elc, Commenoemanl olloreclosurll Of forlollum P/OCflodings, whethor by lulllclal proclleding, sel!.help, ropCSSOSSIOIl or
IIny othsl method, by Iny credllor of OfRnlOf Of by any govornmeolat agency agatnSl any of Ihe Properly, Howoyer, tillS &ubsoollon shali not apply
In the eyenl 01 I good lalth dlspule by Gfanlnr AS t(j Iho validily or rORsonRbloness 01 lho olaim whloh Is 1M bUls ollho 10loolosure or foroll:llluro
prooeodlng, provided lhal Granlor glvos l.ondflf wllllen notice of suoh olalm and Ivrnlshos resorves or a suroly bond fOf 1110 claim sahsraclcrr In
Londer.
Breaoh 01 Olher Agreement. Any broach by GfRntor undul the tarms 01 any olhor agrooment betweon Grantor and LOncler Ihalls nol rom&dlod
wllhln any gface pOflOd provtclod thofeln, Inoludlng wlthoulllmllatlon an'( agreamont concornlng any Indebtedness (II olhor obliglltlon 01 Grllnlor In
Londel,whotherexlsUngnowo/1810r.
EllSlln; Indebtedn!SI, A dofaull &hall occur undOf ar,y Existing lndoblodno$s (jr under any In$lfumonl on the Proparl\' socufll1g any E~ISllll\'l
Indebtednoss, or oommencomenl ot any aun or olhor action 10 forootoso any o~lsting lion on lho Property,
Evenls Affecting Guaranlor, Any at tho pfocodlng events ocours Wlt/1 respocllo any Gunfnntor at any 01 Iho IndobllldnoSli or sur;h Guaranto'
dlos or bocomoslnoompolonl or ony Oultfonlor revokos any {lull/anif ollho lndoblodness, lnndof, 8t Its opllon, may, bul shall not bo reQuirod to
permit the Guarantor', o!.lale to assume unconditionAlly tho obligations aoslng undof lho gunranty In a manner saliSfatlory to Londor, RM III
doing so, cure Ihe t;venl of Delault
InMcurlty, Lendoflngoodlailhdflemsllseitlnsecuro,
R10HTS AND REMEDIES ON DEFAUl. T, Upon tho OCOl/floneo of any Evonl 01 Dofaull anel at nny time lMroatlor, Londer, at lis opllon, may eXor(;,so
any one Of moro 01 the follo.....lng flghls 8ncl/omodlos, in addlllon In nny o!hor fighls Of lomadios prol,llood b'/low:
Aocetf/flte Indebledne.., Subleol 10 appllcablo taw, Lontjl)( Shpll havo Iho righl allls oplion wlli'1oul notleo 10 Gronlor 10 doclare the onhro
Indeblednoss lmmedlalol; dUfland payablo,
UCC Remedlel, Wllh Inspect 10 all or Ilny paft 01 tho Pmsorlal P(OPOlty, ten(lEl/lihOlI hovo olllhe fight!. I\fId IOmodles of a SOC-Ufod porly unr!(lr
Iho Uniform CommalOlal Codo
Colleol Renla, Lenetar shall hllV(l tho fight, without notlcn to Granlor, to take possosslon of lha Pfoporly llnd collecl tho Ronts, InClUding 8nlounl~
put dUll and unpaid, and npply Ihe not proceods, ovor and atJol,lo lender'!; cosls, ngnin$1 lhlll.,doblednoss, In furthe/anco of \hls light, LOflclol
mill' fequl/o any lenant Of o1hOI usor 01 Iho PrcnO/ly to mako paymonts 01 rent Of usa fl10S dlrnctly 10 tondor. If lhe Ronls are collootacl by LonC10I
Ihon Gflnlor Iftovoeably deslgnatos LondEl/ as Granlor's Il.ltolnoYMln-facl to l'tfldorso Instrumants rOCOlvod In pnymont IMfOOI In 1M nRme ct
Orllnlor Ind 10 negollate Iho sarno and colloot Iho proOOflds, Paymenls b~' lonMts Of olhllf uselslo Lendof In rosponso 10 LMdor's domand shall
lilt/Sly 1M obllgallOOS 101 which tho paymentll aro made, whelher or not Any proper grollncls for Iho domand Ollstod, Londer may OXOfClse lis
righi, undor Ihls lubparagrlph nlthOlln person, by agenl, fJllhfough a /OCOlvef.
AppoInt ReceIver, Lendef shllt have Ih" /lOhl 10 have a r8\:OI'lOf flppolntod 10 16ko ponosslon ot all or any pafl ot Ihe Properly, wllh Ihe poworlo
pro1ect and p/oseMI Ihe Plopefty, to ope/ate Ihe Properly pr&Otldli,g loroolosUfO or tIllo, and to colloot lhe Rants 110m Ihe Propefty and apply lho
pfoceeds, ovor and .bo....e lha oost 01 the rocelvo/8hIP, against the Indl'lblodnoss, ThO rocelvef may tOIVe wllhout bond If permlllod by law
lendor's flghl 10 the RPPolntmonl 01 a locolver ahalt ex!sl whathnr 0/ nol Ihe appall,,"1 value of the Properly excaecl~ tho Indebledness by II
tubManl1al amount, Emptoymenl by Landor shlllt not disqllallly II porson lrnl11 sorvlng as II rocelvQr.
roDi 1252 f"l
29
Judlclat FOtecloa\.lre, Londor may obtain II )llcllclOI doomo IQroclo~,lng Glanlor's inttlro5t In nil or ony pnrt of tho PlOporly
PO.aflRllon of Ihe Property, For tho pUlpOSO nt procurIng POSSOGSlon 01 1M Pfope,ly, Oranlor hafllby Ruthofl10S nnd nmpownrs nny nUmney 01
any oourt Df rflcmd in 1110 CommoJ'lwoallh of Ponn"ytVi'lnl8 or olsowhtuo, al"Uorney lor t.antlor IInd all pOfsons olalmlng \Indllt or IhlOugl1lonll0l
10 sign Rn IQroemonl for onlnrlng In Itny oompotont courl an IHTllcnhlo nollon In O)Oo!mOnl for \10&SOSflIOn ollhn Propnrly nncl to apponr fnr Ilr1rl
conloflS judgmonl agalnsl (lfanlor, And .gl\inst /'lIt pOlllonli Clalmlf1Q undor or lhrough Or/lnlor, for lilo roco~(!/y by Londar or possnSS1nn cl thr
Proporty, wllhoul nny GlAY (II aXO(1UIIDfl, 10/ which t:1ll'o Mnflll/lgll, or n copy (If 1h15 Mcrlg/l(lll vOfifind by aflidllvrl. shill! he A ~11!t1C,1(l1'11 Wl\rrfln!. 11'1(1
IhortlUpon a writ 01 possourOflll1llY hn l~suocllmHIWlli1, wllhout IIny prior WIll or fjrQCO/IClIng whll!~oover
Nonludlclal9ate, tl pnrmit1nd by IlpplllilltJln IIlW, Londar mny !llln(1lr,~n ClrAntor'Slnlnrf'sl In nil or In IIlly pari 01 Itl(\ I1nrSn11/l1 flrnporly 01 111[1 fll1l'1'
Properly by nonllJdlc181 uta
De'lclency Judgment. 1.0,rlOI rnllv obtain /I )lIclgmenl lor I\ny (Jolot'ilH\ty II1lr'IlIIII'l\I In 1t1{1 ir1r1tlhlnrlno9' (11m In t onrllll Allnl ,1PPhcllt,()11 nl il;
IImOlm11'o rocUlvnn '<nm thn owrr~ltiO 01 lho n\lrll~ flrclVldor!I'1 t1w, ',(1,,10(111
Tflnancv III Bulle/lnclI. If Orarltor 11M 1r111()~;f,Il!,I,I"'\ 01 Iho rropo,'Y flUO' 111(' I'ropn ., !toW u~, flrOvltlon 1\110vO 0' IOll(lnr nlt'[lI~,;:,1'
har-ome, (lll!lllod In pot,"fl',~lon {>I Hill ,lflrly 111,{111 drl!lIull or llrlllllor, (illlnl(H !,hull hlll:orne nllnl ~i lti/flrlllll1rn Of to'lr!llr 01 :I,,' PII'O'IIO,'"
Ihn Plllpnr1v rH\r!I,lll\li, nl I rHldnl'!. (lpllnll, /!IItHll 1111 PIIV II r(l~'.rl:'rlhlfl '1,<\1111 fm Ill!] ultn (11110[1 PrnpOlty (II Ill) vl\l:alo Ihr' r'lopo'lv '''1'1'1(/\'/11('',
02-'7.1995
Lo.n No 5002571-02
MORTGAGE
(Continued)
rogo 5
uponl/Hl tJorndll(l Ofl.lilldur
Othllf RemecUu. Lon (lor ~hilll have nil olllBIII\lflhllllld fomodlU5 pro~,dfJd Iflllll5 MOrll/age or lhO Noto or DI'llllol>IQ Illlllw or II' equl(y
8ale 01 tho Properly. To tho oxlonl pormlllod by appllcablo law, Orlwlor norolly waiver. llrly and all righ1lo 111''''0 lho propolty ffillf,hallod In
O~llrCISI(I\l'IS flyhls 811(1 fOrllodl(l5, lendor shllli be Iroo 10 !Ifill all or IIIlY part 01 tho Property togolhor Of sona/alely, In ono salo O! by separalll
solos. I.andor sholl bo untilled 10 bid lllllny pUhlic slllu on 1111 Of IIny porlio" 01 Iho Proporly,
Nollell of Slle, Lender Ihall \/1'1'& Granlor f(UISunolJlo notlco 01 Iho limo and placo 01 any public sale or the Personal Properly or 01 tho lime aller
whiOh any pllvple talo or olller Inlondud drlposi1lon or Iho Porsoflol PlOpolly Is to be made, Unloss olherwise fequlred by appl~oblo law,
rouonal)le nollco shall mean notloe glvon alloosl ton (10) days llotolo Ihlllimo ollho ollla 01 disposition,
Waiver; eleotlon 01 Remedl", A walvef by I1ny party of a breach of II provision 01 Ihls MOftgage Ihall nol conllitulo a wall'1lr of or Ploludice lh(l
party'. flghls olherwlso to demand slrlot compliance wllh IhIll provision 0/ any otllor provision, Eleolion by Londo/lo pursue any I8mody shall noi
exolude pur1ull of Ilny olhol romm1y, ancl an olecllon 10 mako oxpondlluros olll1kll aotion to pedolm an obllgallon 01 Granlor IJf1dor thil Modgogo
atllll ielfule 01 Granlor to pOflorm shall not alfoci lendor', Ilghllo doclalo a: doloult and 0lleroila1l1 femadlol undor Ihl9 MOltgage,
A,lIorneY8' FeUi EltponHS, Ulond!!r InslilutOSllny suU or oollon 10 orlloroo any ot tile term& of thll Mortgago, lendor shill! bo enlitled 10 IOoovor
sllOh .um as tha courl may adjudge reasonablo as o1tornllyt' tees olllllal and on any apPolll. Wtwlhor or not any COllrt acllon IS Involved, all
reasonable 6~pDn5OS Inourred by lender IMt In londOl'S opinion arD nll(;o$&llry slony tlmo lor lhe prolClCtion of lIalnlOfDst or Ihe onlorcomont of
II' righls shall bocomo I part tJllhe IndeblodnesD payable on demand and r;llall besl Inloro,1 trom lhe dalo 01 0~Pfln(1I1ura unlil repaid 411ho rsto
pro~ded tOI In 1M Nolfl. ElCponSOS oovored lly thll paragrlp'l include, will10ui limltolion, howevor aUbj901 to any limits undor appllcablo law,
l.endor', attorneys' loes and londor', logal oxpensos Wll0ttlOl 01 nol toole is a Illwsuil, Including llllorneys' foes 101 bllllkruplr.y proceedings
(Including eUorls 10 modlly or vacale any aulomallc slay or Injunotion), appoals and Ilny onllclpalod poal-judgmonl oollectlon Sor....ioo', Iho 00&1 01
searching rocorCls, oblalfllng 11110 roporl, (includmg foreolosure ropods), surveyors' roports, llnd apprllisal leflS, and Hlle Insurance, 10 the uloni
pelmiUed by applIcable law. Grantor also will pay any courl CO(;IS, In Ilddlllon to all oUlar sums provided by low.
NOTICES TO GRANTOR AND onum PARTIES, Unloss olherwlso provldod by llPpllcablo lal'/, any not~o undor this Mortgage ahllllllo in wrilmg and
shall bA erreclivo when aolually delr....ered, 01 whon deposllod with a nallonally fecognized ovemlghl oourler, or, if mailod, shall be deemed 01l9OIIve
whon doposilod in 1h6 Unltod Slatos mR11 Ilrsl olan, reglstofed mell, pOllaQo propaid, dlroolad 10 the addresses shown near Ihe beginning of Ihl&
MOIlgsQ8. Any parly may ohange lis addross for notices undel this MOltgago lly QI~ng 10lmal writlen noliee to Ihe other padlos, lipecltYing thai HIe
purpOt8 01 Iho noiiCe II 10 ohElnge Iha f)sdy's addross All copies ot notlct'ls 01 IOfoolosuro Irom the holder 01 any lien whioh has priority 01,'81 this
MorlQngo, and rlohees pU/suan142 Pa, C.BA Soctlon 8143, et soq" shellllo sonl to Londor'!I oddross, as sllown near lhe bl)Qinnlng of Ihls MOIlguge
FOI nolico PUlPOSO', Granlo/ aliJ~oo' 10 keep Londor Inlormoti il.1 IlI1 limes 01 Grantor's cUl/enllldd/Oss.
MISCl!LLANEOUS PROVISIONS. The 10110Wing mlSCOllanoous plovlsions are a pari 01 this Mortgago:
Amendmenll, This Mollgago, logolhef witll any Relalod Documents, oonslitulos Ihe Olll1ro understanding and agroomon! 01 tho partlos liS 101M
matters set forth In Ihl!! Mortgage. No ellorallon 01 or amendmenl to Ihls MortgaQe shall bo aUectlva unless given In wrlllng Ilnd slQned by Ihe
pally or partlOS loughllo be cl1o'gad 01 bound by tho oUorallon or Oll,endmont
Annual Report.. II Iho Propody Is used 101 pwpcsos olhor than GIllntor's rosidence, Grantor shalllumish to Lender, upon requesl, a cedlliod
slaiemenl 01 nal "paratlflQ incomo recolved Irom Ihe Property during Orlnlor's preVious IIIcol yeal in such lorm ond delail liS lendor Ihall require
'Nol OP6rotlng Inoome" shall moan Ill! oash roceiptli 'rom tho Plopolly less All callh upendltures made In ccnnectlon with the opera lion 01 1M
ProperlY,
Applicable Law, This Morlgage hu been delivered 10 Lender Ind accepled by Lender fn Ihe Commonwealth 01 PfJnnsylvanla, This
Mortgage ,hall be governed by and construed In accordance with 1he lews of Ihl!l CommonweaUh 01 Penn_Vlvanla,
CllpUon Headings, Caption hoadings in Itlis MOIlgage ora lor convonionco purposas only and aro not to bo lIsl:tdlo inlerprel Of dolrno the
proviSion, 01 this Mortgage.
Merger, Thoro shall bo no merger of tho Inloresl or ostate crealed by Ihis Morlgage willi any olher lnlerest or oslale In the Proporly 01 any tlmfl
hold by or fO/ the beno1i1 ollonder in any capaclI\", without the writton consent ollonder.
Mutllple Parll8l, Ali obligellons 01 GranlOI undor lhls Morlgflgo shall be joint and &ovo/al, and nil reforencos to Grantor shall moan each and
overy Orantcr, This moans Ihul oach of Ihe porsons Signing bolow is rOJponslblo tor ell obllgallons In Ihls Morlgtgfl.
Severability, II a oourt 01 compalent jurllidlchon finds any provision of Ihls MOllgage 10 be Invalid or unenforceable as to any person or
ciroum.tanee, such Imding shalf not rendor lhat prOVision invalid or unonlolcooble as to any olher persons or ciroumstances, If taaslble, any 5uoh
orrondlng prOViSion shall be doemod 10 be modihed to be within the limits 01 entolcoablhty Of ....alldily; howevel, II the ollanding proviSion connol be
SO modified, it shall bo slrlckon nnd 1111 olher provisions 01 Ihis McrlgllQe In 011 othor rospools shall/omaln valid and enlorceablo,
SucceSlora and A"'gns, Subjeci 10 the IImilalion. slalad In Ihls MortgagE! on llanslElr at Grdntor's illle/esl, Ihls Mortgage shall be binding upon
and inure 10 lh" benelll of :he parties, Ihelt hOlrs, porsonal roprosonlallves, successors and aSSigns, If ownorship ollhe Properly becomes vested
In a pOison olhellhan Grantor, londor, wlthoul notloo to GranIer, may doal with Granlor's ~uocessc..rs wllh IOloronce 10 Ihis MOllglIoe and lhe
Indobtednoss hy way of 10lbOllrance or oxlenslon withOul releasing Grantor Irom tlle obligallons 01 ihis Morlgage or lillbllllV undor (he
Indablodnos,s,
Time I, ollhe Essence. Time Is 01 tho ossenco In the pOlfO/moneo of Ihls Mcrlgago,
Waivers end Consent.. lender shall not bo deemed to have waivod eny rlghls undof thiS Mortgage (or under the Ralaled DOCUmOnlS) unless
such waiver Is In wrlling and lllgnod by Lender. No dolay or omission on lhe pori fif tendor In oxerolslng any right Il1all oporale IS I walVlll 01
IllCh rlghl or any olnel right. A wal....er l)y any party 01 a provision 01 this Mortgage lih!lll not ccnslltule a waiver 01 or prejudice Iho party's fight
olherwlse to domand aldol oompliance wl1h thai provision Of Ilny olhOf provision. No plior waiver by Lander, nOI any course 01 doallng between
lendef IInd Grantol, shall oonslltute e waiver of any 01 londor's flghlS or any ot Grantor', obligaUons as to ony fulUfB l/ansaolion,. Whenever
consonl by lendel IS fequlred in tills Mortgago, lha glllnling of such consenl by lender In any instanco shall not constltuto oon1inUlng ccnsanllo
subs8quenllnstllnte& whOle sooh oonsonlls requlrod. .
EACH ORANTOR ACI<NOWLE::DGE$ HAVING READ AU THE PROVISIONS OF THIS MORTGAGE, AND E....CH GRANTO~ AGREES TO ITS
TERMS.
GRANTOR:
,
A:#' /t.---.___'_ISEAL)
r.
x O",;~,;_..;,(.
-~~
(leAL)
,
t ,;~!,:,?~:,,,~p":n,,::.
~f~
x
Signed, acknowledged .nd delivered In the pretence oil
'.
wifne....-c..
,
wifne,.
.."-_.----.-...._._~
.. l!)<?
bOOl",i.I" PAC!
30
. JSINESS LOAN AGREEMEI.
[~~r~~,~__]1~;~_D1;~~ _M~liirliY""J~~~~roQ2[_C."[COII.t.rDi[']f~~~--r6J~~r r~ J
__~~~JD_!!.19 Ihad(ld lUllS ~...!2!.l,on~~~~!L~~'~!J!~J!!!!!!J!1?_l.!I!~~~~~~.2~...!!.!!~~!~lO_~~~_p!,!.!I~.~~~~!C!..~r.I,O~~!!!~~)...___.._
Borrower: Joseph Cekovlch, St, (SSN: 16li-26-S032) lendor: "I:NNSYLV~NIA STATE DANK
Jean A, Cekovleh (SSN: 165-2~IOl) 2HIl M/IIrkot Sltul
IWiG WerlzvUle ROlld 1',0, Bow 487
,..===.=~~~hanlc'b~!_"..::~A _1~~,==,:..-:__=-=----==-=--,-,~~=--= ,-.=S~~.~~~!:~~~?~~.~":::,,,,:;:..,",,~=..:.=.= ::":':'':'''-::'':::.'.''=-O---","=~'''-=
THIS aUSINE88 LOAN AGRElEMENT belwflfln Joseph Cllkovlc:h, Br. and Jean A. Cekovlch ("Uarrower") end PENNSVLVANIA STAlE BANK
I"L.nder"115 m.de and ...xeculed on Ihefollowlng letm, .nd condIUon.. Borrower has ftcelved prior commerclallot.ln. from lender or h..
Ilppllad 10 Lendor lor a commerctallo.n or loan. and olher 11narlcllll accommodallon;, InclUding Ihose which may be doacrloed on any OlIhlbll
or achedult IIlIlIched to thl. AgreClmenl, All luch lo.n. alld Ilnanclal IIccommodallon., togelh.r wilt! ,II lulu" loMI .lId flnanol,l
ICcommodaUonl from lender 10 BOrlower, llle rorOHod 10 In Ihl. Agreemonllndhlldually .. Ihe "lo.n" .nd collecUvely .. Ihe "loen.,"
SCHlower underllllnd. and agr.n Ih.l: (alln granllng, renewing, or ex lendIng .ny toan, tender II relying upon BOHowor', repru.nt_Uon.,
w.rranllet, and agrllmenla, II 101 folth In Ihll Agreemenlj (blthe granUng, renewing, or ,delldlng of any Loan by Lender al aU Urnes .h,ll
b. ,ubJecI to lender', IOle ludgmenl and dlscretlonj and (cl,.U luch lOin. .hftll b., .nd 'hall remaIn aubjecl 10 Ihe following term. Ind
condlUona of thl, "greemenl,
TERM, Thl$ Agleemenl shal! be effectil/o as 0' February 11, 1ii6, and shall conllnuo Ihoroatter unllllllllndobledness 0' Borrowor 10 Lendor has boon
performod In 'ull and lhe par1ies lormlnato Ihls Ag/Oemanlln wrlling
OEFlPIlITtON8, The 'ollowlng WOlds shall havo Iho fOllowing meanings when used In Ihls AgrOllmllnt, Tot'!!ls nol olllorwisa defined In Ihls Agreemonl
shall havll Ihe mOMings Itltrlbuled 10 such tarms in Iho Unilorm Commercial Code, All re'erencos 10 doBar amounls shall mean amounls in lawfUl
mOIl8Y 0' lhe United Stalos of America,
Agreemenl. nlfl word "Agraomenl" means Ihis Business Loan Agroemenl, liS Ihls Business Loan Agroemenl may be amef,dod or modllled Irom
limo to lime, tvgelhel with all e.tublls and schodules atlaohed 10 Ihis Business LOlln Agreement trom lime 10 lime.
POHower. Tho word "Borrowor" moans Josoph Cekovloh, Sr, end ,Jflan A. Cekol/loh, The word "Elorrower" a.so includos, as appliCAble, aU
subsidiaries IInd ItIt,i18les of Borrower as plO....ldod bolow In Ihe paragraph tilled "Subsidiaries and Afflllales,"
CERClA, Tl10 word "CERCLA" meMS Iho Comprohensl~e EnvIronmental Aespon~e, Compensation, and liabllily Acl 01 19BO, as amended
Coll.ttral. The WOld "COllateral" means and Includes wllhoulllmlla1ion all propsrly and auels granled as oollaterltlseourlly 'or a Loan, whelhor
leal 01 per,onal properly, whether granled dl/OOlly ur Indlreclly, whelhor granled now or In Ihe fUlure, and whelher grQnled In Ihe form of a SGf)urlly
IntO/list, morlgago, doed ollrusl, assignment, pledge, ohallol mortgltge, chaUellrusl, 'aolol's hen, equlpmenl t/ust, oondlllona' sala, Irusl lecelpt,
lien, oharge, lion or title relenUon conlracl, loose or oonslgnmenllnlended as II secullly device, or eny olher seourily or lien Inlerosl whalsoover,
whelher c:realod by taw, contraol, 0/ olherwise
ERISA, The word "ERISA" meons lho Employee Rellromont Incomo Soourlly Acl 01 H174, as IImended,
Event of Dellull, The words "Evenl 01 DefauU" mean nnd Include wllhoulliml1alion any or Ihe EI/enls of Delaull sel lorlh below In the r.eclion lltled
"EVENTS OF DEFAUL 1:
Oranlor, The word "O/anlor" moarlS IInd Includes wilhoul ItmllaJion each and 1111 of 1tle porsons 01 enll1les gr$OlIng tl Seourlly Inleresl in any
Collalersl fOl lhe Indebtedness, lnoluding without limllfllion all Borrowers granlrng suoh a Soourll( Inlarest.
Ouarll1lor. The word "GuQranIOI" moans and Inoludes wlthoul limitation oaoh and all ollhe guaranlors, slirolles, and aooommodallon parlles In
connllClIon wllh any Indoblodnoss,
Indebledne.., The word "Indebledness. mllans and Incluctos wilhoul Ilmilatlon 1111 Loans, togelher with 1111 olher obligations, dllbls ancJ liabllilias
0' Borrower to Lendor, or any orll) or more 01 Ihem.ll.S welt ItS all claims by Lender against BOHower, or anyone or more oflhom; wholhor now or
horealler existing, VOluntary or inl/olunlary, duo or not due, absOlulo or oonllngenl, tlqurdaled 0/ unllquidaledi whelher Borlowel may be Ilabla
indil/ldually 0/ jOlnlly with othors: whelher norrower mlty be obligated as a guaranlor, su/oly, or othorwlse; whalhe/ rllCovory upon SUCh
Indebledness may be or horeltl1er may bocome barred by any slahJlo 0' Ilmila1iont; and whelhor suoh Indobtedness may be or fleroaller may
oaoome olharwise unanforceable
lend", The word "Lendor" menns PENNSYLVANIA STATE 8ANK,Ils succossors and assigns,
lOin, Tho word "loan" or "loans" means and Includes wilhoul Ilmllalion any Itnd all comme/olalloans and financial accommodalions horn
Lender 10 Borrower, whelher now or hereaUer (uisling, Itnd hewal/e/ el/idenced, lr'lCtudlng wllhoul Ilml1a1ion Ihose loans and IlnanClat
aooommodatlons desorlbed herein or deSQrlbed on any ellhlblt or schedule attached 10 lhls Agreement Irom time 10 lime,
Nole. TItO word "Nole" means alld lnoludes without Ilmltallon BOHowe/'s pmmlssolY nohl or notos, !I any, o'o1denclng BO/fower's Loan obligalror'ls
in lavor 01 Londer, as well as any subsllluto, replttcomenl or refinancing note or nolos lhOlOlol.
Aelllled Ooe:umenl., Tho words "Relatod Documents" mean and Include wlthoul IImllaHon eit promissory noles, credit egreements, loan
agr8emenls, en'o110nmenlal agleemonls, guarantiell, security agreement!;, morlgltges, deeds 0' lrU$t, and all olher instrumonls, ag/oements and
documenls, whelM/ nOW or herealter e.I!;!lng, exeoulod In conneollon wllh Ihe Indeblednes~,
See:urUy Agreement, The Ylords "Securlly Agleemanl~ mean Itnd Include wllhoulllmttatlon Bny IgrGernenls, promIse" cOl/enants, arrangements,
Underlllandlngs or olhor agr86menls, whelher craated by law, conl/aol, or olherwlso, e'o1dnnclng, gOVilrnlng,lopresen1ing, 01 creltllng aSecurlly
Inteleal.
S.e:urlly Inl,'eat, The words "Securlly Inlerest" mean aM Includo wi1hout Ilmltallon any Iype 01 coUaleral securily, Ylhelhe/ln Ihe to/m 01 a lian,
charge. mortgage, deed 01lru51, asslgnmenl, pledg-:l, ohltllel morlgage, ChatlOllrusl, laolOl's lien, 8Quipmenl1rust, oondl1ional sale, trusl raoolpl,
lien or UlIe retontlon oonlracl, leasa 01 consignmonllntended as a security devioo, or an~ olher security or tlon Inlerest whalsoever, whetha/
Cleated by low, conlract, or olhorwlse,
SARA, The word "SARA" moaml the Superfund Amondmenls and Real.Olhorizatlon AoI of 1966 as now or herealler amendod,
REPRESENTATIONS AND WARRANTIeS, BOlfowo/ represenls and war/anls 10 Lendo/ as oflhe dale 01 this Agleemenl and oIS ollhe dale of oach
dlsbursemenl 01 Loan proceeds:
Organization, Borrowor IS B numher of Ind,vldualr. borrowing for commorclal purposes,
Aulhorlzalton, The e.aeullon, delll/ery, and pertormance ollhi, Agroomenlllnd all Relaled Documents by Borrower, 10 the a.lonl 10 be 8xooulod,
(lellvered 01 performed by Oorrower, have bElen duly authorized by all r100e5sary aotlon by BorrowF.lr; do I\ot require Ihe ilonsenl or applovai 0'
any olhef person. r&Qulltlory 8ulhorlll' or govornmenlal body; and do nol confliol wllh, fesuU in a vlolatlon of, or con!llllule a delaull under (a) ar'ly
Pf0'o1SI0f'l 01 any agreement or olher Inslrument binding upon BOl/ower or (b) Itny law, \jovemmenlal ragulallon,.oourl decree, 01 Older 8pplrca~18
10 Borrower.
FlnllnclallnlOfmallon, Eaoh financial staloment 0' BOHOWO/ supplied 10 l.onde/ lruly find complelely di!cl05ed Borrowe/'s financial condllion a$
ollhe dale of lho slalomont, and InOle has boon no malarlal Adverse chltnge In Borrower's financial oondllion subsequenl to lhO elale ollhe mosl
locenllinanclal5tlllomanl auppllod 10 Lendor. Borrcwer has no molorial contingent obligations e.cepl a! disolosed In suoh flnllncilll slalttmenls,
l.~.1 Ellecl, Thl! Agleemonl conslllulo$, snd sny inslwmenl or Ilg..oemnnl required heleundor to bo gr....on b)' 80lfower whOll dnlr....fllod Wi!1
con'1IIule, logal, valid pnd binding obllgsllons 01 Borrowor onlorcaabie aQamsl 8orrowuI in acoordance wilh Ihoir rospllcllve lmms,
Properllet, e.cepllls conlomplaled by Ihls Agro(lInonl or as prevlou)ly difiClosod In BO/lower's financial stalomenls or in wrlllflg 10 Londor and liS
fllJcepted by l&ndor, and e.cept tOl properly lax Irons lor ta.es /lot presenlly due and payltble, Borrower owns IUld has good Illkt 10 1111 0'
Borrower's propMloll 'roe snd clom 01 all Soo\Jrlly InlofOsls, and hilS nol e.oculod Any ~ecu/lly dooumol11s or fmanomg Slalnfllenh. rlllttllng 10 such
properlles, All 01 Borrowor'a properties /Ire 'illad in Oorrower'slagal namo, and Borrowor has nol u!lod, 01 iliad afmanclllg slalomonl under, any
0Iho/tlame'0IallellsllhQlatllivo(5)yesr!;i
HazardoUS 8ub.l.ncea. Tho larms "llIllarcJouB wlIslo." 'hnrtrdous Ilubslance,. "dlspoBal," 'rolone: and 1hroatened roIOIlSO: lit usod 111 Hli-!\
~grOtunenl, Shllll hll/e Ihe s"me moanlngs U sel lorlh in tho .CERCI.A." "SAflA."lho HIll.rdous Mal.rlais T/ftIlsporlallon Acl, 49 use, Hecllon
1001, el .oq" lhe Hesourctt COlllor....fllion and Rocovery Acl, 40 US,C, S&cllon 6001, (II saq" or 011181 appllCabie Ilale Of FlId,Illllaws, willi, or
rogulllJionladoplod pursuant 10 Any 01 Ihe foregGln\l, t.copl as dlsclosod 10 and IIcknowlodUOd bv LondO/ in Writing, Borrower ropresont, snd
waHl nIl Ihal' (a) DUling lhe patlod 01 norrower', ownership of Iho propodloll, lhoro has hoon 110 usn, genOfalion, mlnutlcluro, IIOlIIge,
1ronlrnenl. drspoUI, 18100'\0 o/lIuostoned rolo4$a olany halllrdous WillIe Of .ub~lfll'CO fly Iny person on, undor, or ahollt ally 01 Ihs proparlles
(b) Oorrowor hns no ~l1owlnci\Jn of, or fUltllOn 10 hOil/lV(l Ihftlll111rn hu hllfln (I) nny lIsn, onnnrlllron, mnnulaclurll, ~lorAO(l, lloatmanl, dlspn~AI,
1/lIOne, or !llllllllllnllljl/'lI(lf\ln 01 any hllUI,dOlt\ WA\!n or 'ub~iailtU by /In\! prlCH OWI1ltr~ or ocallpanl. or /lny Dllhn propllrllOi, (>1 (II) liny Iclual 0'
02-17- 1 095
Lonn No 6002571-02
BUSINESS LOAN AGREEMENT
(Conllnllorl)
Pngo 2
==-..",=~,.
lhrlllllnnod lllluahorl or claims 01 l\1l1' ~,ir1(r hI' Any pUfGun rnlnhn\J to ~lJ(.11 million, (0) NfIIlt1f1r 1I0uowoI nor nny IOllnn!, r,onlql'i!Of, IIljonl {JI n(t)Il'
!lulhorilncJ 1I&<<Jf 01 ROY ()I lhn pfop(lfllll~ !lhnlllJ~lI, \1ol1\11nlo, fllllnulm:tulfI, ~lnl{l, Illln!, r!lr,po'o uf, 01 folflMIl nny tllllllf(l(lll~ Wilsln 01 51JOSlilnrll
on, undof, e:1 abol/lnny (If tllA rropOrlIO~; Iln(llH\y \tlOIl ndl"'II1' rohnll bn conrtuGlnd It\ (.('l(nplinrltf1 wiU\ nllllflpllcllhlo lotlm/l), stnln, Ilr1l11{JcIlIIIlW~
fll\lllllllion~, Al\(j ordlrlllllCU!I, IflOI\Jdln\l wil!1();d Iirnilnli(H\ Ihoso Inwf" lO\jllll\!iof1', /lnd orllllllll\UI~ tjn~orltl[]d llho\lll nOlfownr 1l\Jlhorl/o~ Lon(!o,
llnd Itl'; ngnr\lf, to onlol upon H\o prnpor!los 10 rntl~o MJch Illr.po(;!ions and Inr.!~ II~ LOfHJur 11IM (lotHII /lPII/oP!loto 10 cJolmmiru) ,)(,:!l1pl'llflGlI of ('II'
proporllo& wllh IhlS Sootlon 0' tho ^nrooll1onL Any Intp(lC)lIllfiS Of lo~l~ flIllfJo by l.ondor ',1\11111)1) III n{)If(IW(rr'~ O~pIlMO IIlld 'or LOr\(!(II'~ pu'p()~n"
only !lnd shall nol bl! con..lr\iod to r.ronto ROY ro~poflsltllllly or Illlblllly 011 11m pnrl 01 lllO(!f)r 10 !lO(fOwor or 10 nny oth(lr rll1r~on HIO
roplosonlatlona Ilnd WIUfltnlle~ c< rllalflocJ Mloln llro hn~t1d on Ilorrownr's duu dlllgnrll:l1 In Illvosll\Jallf1\l 1/10 propndios fOf luuardO,JS wilslo
80ltower hOleby (.) rel9l\sos al\d Wllivos "ny wturo oll\lms agllinst l,on(!or for Indornnlly or oonl1lbullon In lho ovonl OOIfOWOl booomAI'i 111\1)10 lor
cluanup or olhm OO!its uncior any '.uoh IllwD, .nd (0) Bgr6(lS III Imlomnlly nnd hold l\ormlo!lS Londol agllln,l any Incl all claim" 105&01\, 11110illhO!l,
dama~., Pflnlllliel, Ind l!I~pensos whloh t.ondol moy dlroclly fJr Indlloclly &LJSl1l1f1 or suffot rOlllJlllng from II brllnoh 01 thIS fioclion 01 thA Agrl10mnnl
or 15 . oontllqullnco of any use, goneralion, ffionu'iicluIO, slorOllo, disposal, rolOIlfiO or Hlroolunod roloue occurring pllOI 10 E!ollower's
QWMr4hlp or Inlllfe,l In Iho properflOI, wholher or not lho somo 'l/oa Or shotJI(t 11111/0 bDon known 10 (lorfOIVor, Tho pro....lslons of Ihls 9001,orl 01
thtl Agreemenl. Including Iho obllgollon to Indomnlly, shall \'iurvlvo Iho pnymont o! tho Indoblodnon Md tho lerminallon or explllltlon oj 1M
Agrtflmenllnd IIhlll nol be aUoclod by Lendor's lloqulslllon of any InlolO91In any ollho propllrlloS, Whelhol by lorool05uro or olholWISo
I.IUO~llon fInd CI.lml, No Il1igllllon, chmn, In....osllgatlon, admlnlslrQlivu procooding or fiimllul Ilotlon (Inoludlng lholo lor U'lPII(IIIl~ollllgIlIMI
Bor/owel I, pending or threlllenod, and no olhol ovonl has ocourlod which may materially advflfl'ioly IlUuel BorrOWtlf's 'Inanciol condition or
ploperlleS, olher than IIlIQlIllon, Clalm$, Of olher f1vonll'i, II llny, thaI hllve boon dlsctosed to and llcknoYlledgl!d by Landar In wrlllng
Ta~ea, To Iho besl of Borrowor't k1\QWledQO, allla~ r(llmns Md roports 0' BOlfower lhalllrfl Of woro roqlllrod 10 be hied, have hoon hlod, And all
tues, lluossmonls Rnd IJlhor {lovOrnmonlat chnfgos have boon paid In lull, o~cepllhosfl prosonlly hOI;"lg olIo he conlesled by BorrowOf In \Ioce!
'alth In Iho ordinary COUISO 01 business and for whloh lldoqunle rOllmves hllvo boon plo....ldod
LIen Prlorlly, Unless othDlwi!oo prevIously disclosed 10 Lendor In Wrillf\g, OorrowOl hils nol ontorod Inlo or grontod any Sooulily AgroomSII1S, 01
pormllled tho. filing or allaohment of any Socurlty Intornsls on or IlHoctifl(l an)' of Iho Collalornl directly or IndlrOOtly securing replymenl 01
Borrowor's Loan and Nolo, !tllll would bo prior or lhlll may In flny WilY he !;upOrlor 10 Londo/'s Sooullly Inlefosls and rlghls III ann to sunIl
Colllloral.
Binding Effect This Auroamonl, lho Nolo and all Soot/rity Agloomonts directly Of IndirOCIlY socurlng lopaymenl 01 Borrower'lI LOlln Bnd Nolo are
binding upon Borrowor as wollll.s upon BOHower's &LJCCOlisors, rvproSOnlll.llvo!l Ond OSSI{)nS, and Iro legally on'oroeable In accordance Wltl'l tM11
respective 100ms.
Commercial Purposes, 130rrower Inlonds to UM tho Loan pfoceed! l'iolely lor tlU~IIlO!! or oommerClal rolaled purposDs,
Employee Beneltl Plane, Each employoo benellt plM1 as 10 which OorrOW(ll mllY hllVO Ilny liability compllol'i In all mlllofllll respecls With nil
appltcablfl rl'lqulremonls of law and rogutllllons, and (I) no Rapor1ablo EWlIll nor Prohlblled Tran~ac!lon (a~ delinod In ERISA) hes ocourrod wllh
respeot 10 any suoh plan, (Ill Bonowar hIS nol wlthCIfawn Irom llny suoh plan or Inlllaled slops to do so, and (1111 no stops havo beon !akon 10
l'llrnlnalo any sur.h plan.
LOCllllon 01 Borrower's Otllcn ond Records, Tho ohlof pisco 01 business of Borrower and Iho oUice or olllees whore Borrowt'H keeps lis
rocords concerning the Colllltalaf Is located al6ijOO WerllVUle Aoad, MGOhanlcsburg, PA 17055.
Information, All information horololoro or contomporanoousty hOrt1Wllh furnished by Oorrowor 10 londOI '01 1M purposes of or In connecllon wIH',
lhls Agreemenl or any Iransaotlon oontemplaled horoby is, and Illllnfolffiallon hereaHer lurnl$hod by or on behalf 01 Borrower 10 Lendor 1'.'111 bo
true Ind acoufato In overy malnrlal respaol on Ihl;' data liS of whloh suoh Irlforrn!llion Is dated or certiflod, and flOno of such ullorma!ton IS or will bi'
Incomplele by omltllng 10 51ato any malerlal Mol nocessary to mako such Inlofmalion not misleading
Survival 01 Represenlallon and Warrllllles. Borrower undorslands and agroes Ihal Londer 1$ lelylng upon lho Above roprasonlallons ano
Warranties In o~londlng LOIn Advlf1CeS to Borrower, Borrower lurlhal Itgraos lhal Ihe forogolng replosonlahons and wllIfanlles shall to
continuing In nalufo and shall remain In lull 'orce ontl Direct until such lime as Borrowor's Loon and Nole shllll ba paid In lull, 01 un!l! IhlS
Agroomnnl shall be termlnltted In Ihe mannel provldnd abovo, whichever Is Ihe lasl 10 OCClif,
AFFIRMATIVE COVeNANTS, Borrower covenanls and IIgroes wilh londor lhal, whlle Ihls Agreement Is In aUecl, Borrower will;
LllIgaUon, Promplly In'orm Londor In writing of (I) II! millEnIa I adverso changos In Borrower's 'Inlnohl! condition, and (b) allllllgallol' and clairTlS
and allthrealened llligation and claims Ilflncling Borrower or any Guaranlor whioh could molerlally aUeet Ihe 'inenclll condition of Borrower or Ihe
finllnclaloondihon ofnnyGURflnlol,
Flnanctal Recorda, Malnlaln its books and rocords In oocordanoe wilh genelally accopted accounting prlnciplo!l, Ipptled on a (lonsislenl basi!;,
and perml! Lender 10 o~amlnfl and Iludil Borrowor's books and lecords at oll reasonable times.
Financial Slalementa, FlIfnlsh Lendel wilh, as soon as llvllllable, bulln no avenllalar than ninaty (90l days altot lho end 01 0101'1 fiscal yOM,
Borrowor's balance shaet flnd incomn slalomonl 'or the yoar ondod, compiled by a cOltilied pubtiO IlOCOIJIltanl satlsfaolory 10 Lender, All finanCial
roporlS required to be provldod under this Agreemonl shalt bo prepalod In Iccordanco wilh goneraliy acceplod acr-ounling princlplos, applied on
a oonslslenl basis, and corlihod by Borrower os being lruo and CorlOCI.
Addlllonal Informllllon, FUlnlsh SUC~I addltionat info'malion and slnlomMts, lisls of assol!> And IllbllillflS, nglngs 01 recolvables and payables,
Invanlory schedulos, budgols, 'ornoasls, lax loturns, Ind o!hor reporls wilh respocl 10 Borrowsr's fInancial condlllon and buslnoss opolallons os
Lendor may requeM 'rom limo 10 tlm~.
fnaurftllca, Maintain 'ire IInd oth'!)r risk Inllurance, public tlebilily InslIranco, and suoh olher insurance as l.ender may require willI respecl lei
Borlowel's properties and operations, In 'or Ill, Amounts, coverogos Ilnd with insurance oompanles foasonllbly acoaplablll to Lendor. Borrower,
upon rl!quesl 01 Londsr, will deli....er to Londor 'rom limo 10 lima tho pollclos or certlfioales of Insurance In form satlslsolory to Lendor, If'\CIUdII'lO
stipulations Ihal 00v9rages will nol be oancelled 01 dlmlnlshod wllhout alloftSl Ion (10) da~' ptlOI wrltton notice 10 Londor, Each insurance pOliCY
.Iso shalllnotude an ondorsement prOVIding thai ooveroge In lavor 01 t.ender Will nol be Impairod In Ilny way hy any IIcl, Of'\11sS10n 01 dofault of
Borrower or any olher person. In conneollon wUh all poliCIOS oovorlng Ilsnels In which Lendor holds or Is oUered 11 seourlly Inlorest lor the LOllns,
BOff(lWttf will provide Lender with stloh loss payablo or othor endorsemonts IS Lendor may roqulrn,
tn5urlnce Reporll, Furnish 10 Lender, upon requesl 01 Lendor, ronorts on eaoh e'<!Slln" inSUllnco policy shOWing suoh In'ormallon as Lender
may Illasonabty request, Including wllhoutllmltallun Ihe follOWing: (Il) Iho nnme 0' Iho Insurer: (bllho risks Inl'iurod: (0) 'he amount of the POliCy;
(d) 1M properll99 Insured: (e) Ihe fh>Jn curronl properly vatuos on Ine bnsls 01 whloh Insuranoe hilS beon oblalnod, and Ihe mllf1ll0r of
delOlmlnlng thooe values; and (f) Iho axp)rnllon dalo 0' tho policy, In addition, upon rijquolit of londer (howovor nol more ol1on Ihan 8f\nUallyl,
Borrower will hAve an Indopendent appral!ler sntlsllclory 10 Lonoor dnlormlne, B!i applicable, lho aclual cash ....Bllla or replacemflnl oosl 01 allY
Collalelal.
Othar Agreemenll, COmply with all lei illS and conditions of all olhor agroements, whethllr now or haroaltor e~isllng, bettween BorrowOl and any
olMr flarly and nollfy Lender Immedlatllly In wrtllng oll\flY defauU In connocllon with any olhor such IIgreemonls,
Loan Proceed., Uso all Loan procood!l solely 'or BorrOWflr's buslnoss oporations, unlMS spoolflcally oon50nlod 10 11'10 conlrary by Londor 1(1
wrlllng,
laKes, Charges and LIens. Pay and discharge when due all 01 Its Indoblodness and obligallons, IncludingWllhOUI IImltallon an aSli05sm9nts,
!uos, governmenlat chargos, leVies and lions, 01 overy kmd nnd naluro, imposod upon Borrowor or 115 PfOporllos, 1000010, or prohls, pnof to Iho
dale on which penalties WOUld slttcll, end all lowlul clalm1\ Ihal, II unplid, might bocomo a lien or oharge upon flflj-' of eOlrOWflr'lI properlles,
InCOme, or profitli, Provided hOWOI/OI, lIolrower will nol be required 10 pny and dlSCha!go IIny such Assessment, la~, ohergo, levy, lien Of olaim 1i0
long II (I) Il1e leoality of lhe Iillma Fihall bn oontnsted in good Inllh by &.ppropllalB PfOceedlng~, llnd . (b) BorrOW81 shall hllvo oSlahhshOd on lis
bookl odoquate rosorvo~ wllh rospoct 10 such contDslocl ASS{)!l~mont, hlX, ahafge, lovy, lion. or r.IQlm In aooordllnr.o wllh gonfrflllly accoplMl
aocountlng praotlces, BOffower, upon domand ollonder, will hlrnlsh 10 Lonclor ovldonce 01 paymon( of Iho IlIsOSBmClflls, tnxos, ehlllgcr., IOVI05
lions and cla!ms and wlllauthorilO Ihe npproprllllo governmonlol otliclnllo doHver 10 londor al Any limon wrlllon stntemonl of any as'lossmnr\ls,
IO~OS, chargos, In'1eli, 1I0Mi and clalmli agnlnsl DOlfower'1\ propertios, incomo, or prolits,
P"lormllnce, Porform Ilnd comply wllh all tOfmB, condition!';, lHH1 ploVislons sol for1h in Ihls AglOOIT\Ofll and !r\ nil olhiH InslrumMls nnd
II.grlKlmen!! belw8fln Borrower and Londor Il1allrnely rtl&nnar, and promfllly nolily Lfln(ler 11 BorrowOllllQrl1! oj H10 OCClllronco olllny ovenl Wlllch
llon!llllutes an Evenl 0' DO'ault under Ihls Agroomen1.
Operation., Sublt&rltlally malnlaln 115 prosent OK(lOullvo And r'llllnagomorll porsoMel, conduc;llls businoss offalr!l In 11 IIIAsonllbl\l all(l pruden I
mlnnil Rnd !11 complianCe with 011 appllooble 'odoral, r.tata and rnunlclplIl lAW!!, ofdlnI\rICO~, wlos 11M rogulatlons rer.pocllng I!II pfoporl'~s
ohar'trs, bU61nnlllos nnd oparRlion" Inoll/dlrlg wilhout tlmllll.lion, oomplranco wilh IhO Amoflcans With DIMhlhlin5 Acl MHI .....1111 all mlnlfllllm lijfl1lln(1
,llIn(1l1l(js IInd olhor !oqul((lm.,nt~ 0' PRISA and nlnor IIlWS oPl'llicohlo 10 normwor'f, omplnyno honofll fllllll~
InapecUon, POln11l omplo,;no!\ Of oW il Lonflor AI "ny 108"onl\hlo limo to Ir1tr>nc! IIny on r.ollntllrnll,H Ihn lonn fII I OM1!; 1IIl,I ftt"I('!I~"'~,
othor propOIllolland 10 n~omllln or II. norrownr'f, tJOokr" ocr:ollnls, nn(1lflf'OU1", ann 10 I 01 cflJHn~, nnll mumOI~"(Jn of nO'rOWl'II'<, bon',
IHJI1(1l1t\l!..l\n,1 r"r:()I(j~ If Ilnf!ClWlll "OW {\! Illl\ny limo hornallf(l rnnrnlaln~ nn\' H,UHlif, l"wIUdl'\(1 wi(hmrllllndl\lI(1r, rO'liplrllf' (lO'llIlO!;!'.'\ "'. ,,',I'
02-17-1995
l.o,,, No 50025~1-02
BUSINESS LOAN AGREEMEN
(Collt'''"od)
r'9al
iHI(1 G,HllplIlul ~ollwllro P'(>l,JI,HlIS 101 !1m (JWhHrlllOn 01 qlJeh 11IIJUIlhllii Irlll P(J%(j~'lI(lIl vIII 1I!1!{! parly, l1urlOWHI, Ilpor, ruquosl ul Ul1ld!lf, ~1ltI11
rlohly such 11111\1' 10 poor"l Uiill!!)t hUH \lOGos"> 10 [iUd, Iu<:llr{h ul 1111 11WiOI11lblll t1mtlil 111\(1 1(1 provldll Lundm wllh t)opl(J~ olnny fUCOtC!t il nllly
roqllo~j, nil III lIurloWur'!i O~I)!lt15(l
COlnjlllllrtCft CftrUUcale, Unlo..~ WlllYOd In wllliny IIi lVnom, PfllVldll LIIII,1m IIlloust IIllllUlllly nml pi 1110 limo 01 (Ilwt\ dlfJtHHsomonl 011.01111
procoeds wilh II corhliClllo o~ucuttld by lJOIlOwer'l; chlt!j tlll/Ultlal 01111;(11, or OHIOr ulfl,;ol or POISOIl aClJofJtabla to Landor, COr1lfying Ihallho
foprosQnllltlol1llllnd wlHroJ\IIM sol rorth In lhls Agroomonl ara [lUll ant! CQHocl1l5 0' Iho dalo 0' tho corlifioa!o MId /u/lhat cerlifYlnQ thai, as 01 tho
dalo 01 lhe Qerlllloata, no tvonl of Dalaull o~istli Ufidor 1t]ls Agfeomorll,
En~ltOnmenllll Compliance and Reporll. l:lwc'wor shall (lomply In lilt rlt!lpoal~ Wr'll all vrwlronmanlal Prplootlon lodmal, slatu und looalluw$,
filalulos, r(lgulnhorlS 11Ile! o/dlnQnco1>, (l(ll CllU$O or pllrmil to exi!lt, Its 1I10Gull of 11I11nlonll0l11l1 or unlnlontlorllU 1I0110n or ominlon on lis part or On
Iho I-larl of IIny Ihlrd pally, on proporly cwned and/o/ ocoupIO(! by Uorrowor, IlfiY onvlronmontal aOtivlly whoro damago may result 10 Hlo
llfil/lfonmont, unloss such unvllon/llontlllacllvlly 1$ pUlsuanlto and In Qomphanco wllh th(l OonjillonB 01 a pormlll$Suud by tho app/opllalo lafloral,
slate or local gOlia/nmental uuthorl1ios; shall furnish 10 Lender prompl1y and In any evont wllhln Ihl1ly (30) days al1el /ecolpt lhoroof " QOPY 01 My
nOlloo, summons, IIl1n, cllallon, dlrootl....o, lellor 0/ olhor oommunloallorl flom any gOVllflUl10nlall\goncy or Inslrull1anlllllty conCflrnlng IIny Int(lnl!onal
or unlnlentional aollon or omission On Bonowo/'s part In connooliorl wilh any onvli'onrnonlal uollvlly whothor or nol thorll Is damage 10 Iho
E1nvlronmont andlor olhe/ nalural IO!'iourcos
Addlllonal Assurances, Mako, o~lIculo llnd (lohvor 10 Landor ftlJcl\ pWfl\l!;sory noles, mortgages, dooUs of l!Utl, sooLlrily llgre(lmOflls, Ilnllnolng
slalemonls, inslrumonts, docufllonls and olher llyroomenl!; liS Londor 01 It!', nUornoYII may roasollllbly IOCluosl 10 ovidonce and socuro Iho Loan!;
aM I" porfeelall Soourlly Inl%sls,
NeGATIVE COVl!NANTS, [Iolfower eovonants and o.groo$ wilh Londo/lhat while lhls Agroomonl Is in efloel, OOUOWm shall nol, wilt10utlhe prior
wflUennonsonl01 Londor:
Indebledne88 and liens. (a) Excopt lor Irade dobtlnourl8d In tho nermal coulse 01 business and Indobledness 10 LElnder oontemplaled by lhls
Ag/oemllnt, croato, Incur or Il$sumll Indoblodne$ll for borrowed mon(lY, Includl.ng oapllalloases, (b) &"11, llanllle/, morlgago, aulgn, pledge, lel\$e,
g/onl a seourlty Inlereslln, 01 onoumbor ony of Bo/rowor's assols, or (O) self wllh recOLJ/5e any of BO/!()W~r'5 aooounts, oll:oBpllo Londe/,
Conllllully 01 Ope"Uonlf, (a) engage In any buslnoss 0011'111105 Bubstantlally dlflf)rent than lhoile In which BorrowOf is presenlly on~agEld, or (bj
oease oporollont, liquidate, mo/gll, l/anslor, acqulro or oon$olldale wilh any olher entlly, ahonge ownorshlp, dlssolvo or l/aIlsfor or sell Colllllorol
oul 01 Iho ordinary oourso 01 bllslness.
LOane, AcqulslllonSllnd Guatanues, la) \.oan, Invoslln or adv.IIlCo monoy or aSSai!;, (b) PUrC/lIlSO, orol\!e olac(]ulro any inloreslln any oll'\or
enlerprlse or anti/y, or (c) Incur any obligation as ..urely or guarnnlm Olher than in Iho ordlnllry course of buslnoss.
CESSATION OF ADVANCES. If l.ondor has made any commllmentlo mako any Loan to emrower, whethor undor Ihls Agreemllnl or undor Ony olhllr
agleemenl, Landor shall have no obligation to mllko Loan Advances or ti) dlsbu/so Loan procoflds It: (p:) BorrOWflf or any Guaranlor 1<; In dolaull under
lne lorms 01 thi1> Agreement 0/ any of Ihe Aoleled Documenls or any olher agloomenlthal Bcrrower or any GUllranlor has wilh Lendor, (OJ BorrOwor
dies, booomes incompetent 01 Insolvonl, liles Il potltion In bankruptoy or similar proceedings, or Is ad/udgod a bankrupl; (c) Ihero occurs n malerial
adverse ohango In Borlowor's flnanolal eondlllon, If! Ihe financial condition 01 any Guaranlor, or In lhO valuo 01 any Collate/al securing any Loan,(d)
Ilny Guarantor seoks, claims or olhorwlSll atlemp(s to Ilmil, modlly or re~oke suoh Guarantor's guaranty of U10 loan 01 any oHlor loan wilh Lender, or
(01 Lander in good fallh dooms IIsoll insClOure, oven Ihough no Evenl of Delaull shall havo occurred,
DEFAUl.T INTEREST RATE, If! IhO evant of dofaull for which Ihe Lende/ does nol acoelerale lho Loan, Including lhe fallula 0/ Borrowel 10 providelhe
flnOliClallitatemanls as required herounder or undor lhe Loan Agreemenl, lha applicable I(llorost rata on lhe Lo:!n, fcr tl perlon beginning lhrea (3) days
aller wrlllon nollce 01 suoh default and ending Upon tho ourlng 01 said noticed delaull, $hll!lincroase ono qUllrtar ot one p%enl (,25%) lor the flrslthlrly
(30) days of said defalllt and Increa1>o an eddltlonal one quorlElI of Ono po/coni (,25%) during eaoh lhlrly (30) day period Iho/eanar during which Ihe
noticed default continues, Suoh dolaull Interesl rate shall apply 10 fhe oulstanding prlnolpal balance of Ihe loan, Upon lho curing 01 tho noll()(Id
delaufl, Ihe Interost rale on the Loan shall/ovo/llo Iho Initially agreed-upon Inlerosl role orreell~o on Iho dala on Whloh tho delaullls ou/ed.
ANNUAL PAYOUT/ANNUAL REVIEW, Tho Loan Is suujoot to a 1rllrly (:'10) day payoul during eaoh IIs081 yoar III which tlme lhe balanoe must be paid ill
lull for a period ollhlrty (30) consecullve days, Tho Loan oomml1menl will expire one yoar Irom Ihe dale thatlhe P/omlssory Nole Is oxoouled. . The
Lendor will review Ihe Loan annually lO//OMwllls and oxlanslons; J;uch renewals and oll:lenslons 10 be glanled predloated on the perfcrmanoe ollha
oompany and/or IndiViduals and adhorenoe to lha Loan Agreemenl andlOI 10lln polloy,
ADVANCES, Advancos on tho l:olln will be mado III your insl/uc!lon In II minimum amounl 01 $500,00 and proceeds 01 suoh advanoos Will bo
deposllod Into ohoc~lnQ aocounl 1150-.0364-1 at Pennsylvania Slale Bank. Aeduolions of Ihe Loan balance !MY be occompllShod Oil youI verbol
I!lsl/uchons aulhollzlng Iho abOve accoun! 10 be charged and applied to Ih'J Loan bolanoa.
BANKING RELATIONSHIP, You shllll mainlaln your primary dopOSH aocount relalionshlp with Pennsylvania Slale Bank during lho 11I0 01 Ihe Loan,
RIGHT OF SeTOFF, Borrower grants 10 Lender II conl/aclual possesscry s80urlly Intllr8stln, llnd hereby assigns, conveys, dellvors, pledges, and
hanslers 10 Londor all Borrowor's righi, lIlie Qnd Inlo/l)sl In and 10, BO/fowor's aCQounts wilh Lend0r (Whethor oheoklng, savings, or some other
accounl), 1,1cludlng wi1hout IImllalion all acoounts held Jalnlly with somoone olse and ail acoounts Borrowor mllY open In Ihe fulure, elColudlng howeve/
aI/IRA, Keogh, and Irusl aooounts. Borrow(l/authorizos Londal, 10 Iho ox-tenl pelrnlllod by appticable low, 10 oharge or sololf all sums owing on Ihe
Indebtedness.tgalnslanyand all suchaccounlS,
EVENTS OF DSF^UL T, Eaoh 01 the following stlall conslllule an Event of DollIUII under lhls Agroomenl:
Del.Ull on Indebledneu. FailUre of Borrower 10 mako any paymonl whell due on lhe Loans,
Olher Delaulla, Failure 01 BOrrOwllf 0/ nny GrllntOl 10 oomply with or to per/orm wilen duo any olher lerm, obllgallon, oovonanl or oondlllon
oontalned In Ihls Agreemont 0/ In IIny 01 tho Aolaled Documents, 0/ failule 01 Borrower 10 comply with or 10 porlorm ~ny olher term, obllgtl.llon,
oovonant or condlllon oonlatned In any olher agroomont belwecen londer and ElQlrower,
EnvIronmental Del"ull, Failure of any polly 10 oomply wllh or perform when duo any lorm, obligation, covenant or condillon contained In any
envlronmenlal ag/oflmenl oKoculed In connecllon wUh any Loan. .
Delaullln Favor 01 Third ParI lea, Should BorrOWer 01 any Granlor delault under any loan, extension of credit, seoullty agroement, puroMso or
salos IIgleemonl, 0/ llny other agreement, In lavor of any other credllcr or person lhat may malerlally affect any 01 BorrOwer's properly or
Borrower's or Any Grantor's ablllly 10 repay Iho Loans or perform Iheir r9speOti'Je obll!Jlltlons under lhls Agreemenl 0/ any 01 tho Related
Documents,
Fftlae Slalomenl., Any wllflanly, ropresenlalion or !>Ialemenl mlldo or IlIrnlshod to Lender by or 0/1 behllll 01 Borrower 0/ uny GrMlor undar lhls
Agreemenl or Ihe Relaled Documents Is lalse or mlsloadlng In any materlal/espect, eltMr now or al the lime made o/furnlshed,
Oeleollv8 CollalerAIIUlIIQn, This Agleemonl or any of lhe RelAled Documents ceases to be In lull lorce and offecl (Inoludlllg laHure of any
Soourily AglOemol1llo oreate avslld and pet/ected Soollrlly InlOresl) at ar\y lime and lor !lny leason,
Dealh or Insolvenov, The death 01 EJorr(JWOl or lhe dissolution 01 lormlnallon of Oorrowm's olflslance as a gclng buslnoss, lhO insol\lorlOY 01
Borrower, lhe appolnhnenl 01 a rocolvor for any pari 01 Borrower's propOrlY, Qny assignment 101 the bentllil 01 credilors, any Iype 01 crfldllo/
workoul, or Ihe commencemenl 01 any procoedl!lg under any bankruptoy cr Insolvency laws I>Y or agalnsl Bor/owor,
CredUor or Forlefluffl Proceedings, Commencomenl 01 fOloclosure or forlellulo proceedings, whether by JudiCial procOEldlng, soll-holp,
/,opossesslon or any olho/ method, by any oredltor 01 Borrower, any nr(!dilOI of !lny G/llnler agalnsl any cOllateral socuring 1110 Indebledness, or b\'
liny governmenlalagency, This Inl1ludos a garnlshmenl, attachment, Or levy on or 01 any of BOHowar's deposllaccounts Wllh Lender, Howovor,
lhis Evenl Of DelaUl1 shall nol apply If there Is a good lailh dlspula by SOtrOWer or Gronlor, as tho case may be, as II.' Iho validity 01 r94&Onableness
01 Ihe cltllm which 1& tho basis of Iho cradltor 01 10lfelluro proceeding, and II Borrower 0/ alllnlor gives Landar writlon notice 01 Iha oredltor 01
tor/ell,JlG proceeding and lurnlshos /oservos or a su/oly bond lor Iho orodllor or forrallura prOCOedlng sallsfaclory 10 Londor,
Events Allecllng Guaraolor, Any of Iho prooedlng avanls occurs wilh rospocllo ally Guaranlor of llllY 01 Iho tndoblorfnoss or such GUlIranto/
dies or becomfl& Incompolenl 0/ any Guaranlor ro....o\o:050ny ijuaranly 01 lhe Indebtodness, Londor, III IIsoplion, may, bul shall nol be lequlrod to,
pormll tha Oua/antor's oslato 10 assume unconditionally the obllgnllon,; arisIng under tho gUllrllnly in a mannllr MUslnolmy 10 Londor, nnel, Ir\
dOing so, /Jura thll Evant of Dnfaull,
InNourlly. Lender, In good falfh, dtlemli IIsell Insecuro,
RI~ht 10 Cure, II any data un, otherlhan II Dofllull on IndobtednoS&, Is eu/able and it Borrower 01 O/anlor, as lho Oll&e mny bo, has 1'101 t1(1an
given a notice ot a 51mllll/ dolllull wllhln tha procedlng Iwolvo (12) monlhs, II may be cured (nnd no E~en\ 01 Oolaull wlli rllvo occurrod) If Borrowllr
or Granlor, as tho case may b,e, after reCOlvjng wrlllOll nohco 110m Landor domanding curo ols\wh uolaull: (al curllS 1110 dofllUIl wllhln llIIoon (15)
days; or (b) It Ine cure ro'1llll05 more 11111n Illloon (IS) cloys, Immodlaloly Inlhalos stops whlOh Lendo! dooms In l.endQr's solo dlsmollon 10 bo
sulllclont to curl! lho dalalJlt and H1orOl1.f!or conllnllflr, on<1 r.ornplOlfts all rellsonllble and nocesS!lry SIIlPR sulflciorlllo jJrodUCfl ()ompliance as &tlon
as Illasonllblyprm;llral
HFECT OF AN EVENT or DEfAUtT, ilany I:I'1Inl 01 f)otftull r.1I1I1I O(:ClIr, nil cc,mmilmonlr. IlrH! otJlll1nliOf1S 01 LondOI Wl(JOI Ihis AU!llofl\Qfll or Iho
02-17-190~
Loon No 5002571-02
BUSINESS LOAN AGREEMENT
(ContInued)
POliO 4
<r=""===-~_~ ~ ==="'_~'='OTC"';7
Relalad [)OcUmont~ or Ilfll' olhof ftQroomonl !rnrntnlntoly will tmrnlnl\lo (Inoll)(III\O any obliijflllon 10 111Aknl.ollli MVf\Ilr.Ofi Of dl~blJrt.onHlfllsl. find, nt
landor's option, a(l toall3lmm8dil\loly will hooornn chlo flfld rOYAblo, nil wilholl\ r10!l(u (Jlllny ~Inrl lu Ilorrowor, ol(l:i1pl UIAI in Ihn CilSO lJf nn [I-'unl of
Dolaun ot tho lypo dD!lCrlbod In (ho '11I~olvnnr.y" fjlJhr,OC!lon lIh:lVIl, ...ur,h nccnlnrnllCH'\ r,hnll hu automatic /Inri not Ofll11U\1I1
MISCEU,ANE(}US PROVISIONS. '010 following rnit.colluIlO(HJfJ provision... RIO n pad (lllhl'. ^Qrlwmnnt
Amendment.. lnls Agloomorll, logolhflr with IIny flollll(l(1 OoclJmonls, con~tlllllo... tho un!l<n lIrldorstnndlng Ilnd Ilurnomonl of (tl(l plH!lo!i liS 10 ltlfl
m.lhm 1&1 !mth In lhls ilgrll1lmnrlt No Illlmulion 0' 0/ 1l'llonilmtHIl 10 this AQreomonl sl1lll1 ho alloolill$ imlosg glvflll In wlltino;j "n(1 ~iWl()d by Iho
pltrty 0/ Pltrl',,~ sought to 09 ch~rgod or hound hy 111ft allOlnh()n or Ilrnnrlr!lI\onL
Applloable l.w. This Agreement h.. belln dellvflrltl'llo llloder Md Ilccepted by Lendflr In Ihe Commonwulth 01 Pennaylvanlt\. II there 15
ft lawlUll, Borrower t1greel ulJOn lender'a reqllfllll10 aubmillo lhlljurtsdtcllon ollhe r.oufta 01 CUmbflrtftnd County,lhe CommonWllllllh
Of. Pelnnaylvanta, Thl. Agteemen\ I)h(lll tie governed by Md con\llrued In accordllnce with the law. 01 lhe Commonwullh 01
Penn.ylvanla,
Capllon Headlnlll, Caption hOlld)n\15 Ir\ Ihis A{Jroomont Ilro lor "onllonlorloo rJl/:posos only llnd Ilro no! 10 bo usoc! to into/pre! or dofmo lhe
prolllslons 01 Ihls Agr99mllnl
Mulllple Parllo.. All ob!:gatlons of lJorrowOf undor this Agroomonl shall bo loint /lnd sevorlll, 6nd nil rolelBncos to Bwowor !'illall mlllln o(\ch and
e....ry BorrClwer. This moanSlhal oaoh of lho p6fsons signing bolow l!l rosponslblo lor all obligations In lhls Ag/eemenl
Contenllo Loan PftrtlctpaUon, Gorrower agrees and consonls 10 londor's sale or Iranarar, wholhor now or lalot, 01 one Of moro parliolpll.llotl
IntorMI1 In tho Loans to ono or Inore purchasels, whothm r"llllod or tlnralatod to Lender, Lendor may pto'.1do, wlthoul any IIml1alion whalsoovor,
to any one or moro pUlchase/5, or polentlal purchnsms. any InlO/mnt!on 0/ knowledge Londor may havo aboul Borrowor or abou! any olho/ rnalle/
relating to the Loan, Bnd Elorrower hereby waivos any right!'; 10 p/I....aoy It may hllVO wlih respoct to SUetl mailers, BorrowSI addillonlllly willves ftny
and all flotlces of 51110 ill parllclpallon Inlorosls, liS w()1I liS all nolleD!; 01 any iepurChase 01 such podiOlpll.1I0n Intarests, Borrower nlso llgll'les thaI
the purchasers of any !luch PllrllClpllllon Inlorosls wil! be oonsldored as Iho abso!llte ownOlS 01 SllOh mlalosts In Ihe LORns Rnd will hlwe alllho
rights granted undol Iha parllclpaHon egroomonl or agroementl\ govornlng tho salo 01 suoh paltiClpatlon Interosts, Oorrower further Waives all
Ilghls 0' offsol or oounte/cialm Ihal U mnv havl) now or latm aglllnsl Londor or againsl My pUrohaser of sur.h a partiCipa1l0n Int%st Ilnd
unconditionally agr009 Ihlll ollho/ Lendfl/ or slIoh purohaser may enfO/Oll Oo//ower's OUlIgll.tlon undor Ihe Loans irrospootl....e of lho lallu/II or
iri$Olvency of any holder of llny inl%sl illlho Loans. ElorrowOI furlhAr Rgrooslhallho Plllohasor of nnV suoh parliClpation Intoros!s mlly enlorClll!S
Inlerotl$lrrespootiytj of any personal claims or dofonses thnt tier/ower may h/lve aglllnsll.onder.
COltaDnd E~pen80ll, Bot/owor ngloos 10 pay upon dnmnnd all of Lunljer's OUI-of-pockol oxpenses. inotudlng wllht'l(Jt limitation nllornoV" fees.
Inoutled In conneotlon with the preparation, eXllQutJon, onlorcomonland oollMlIon of this Ag/eamonl or In oonneollon wl1h tho LOMS model
pursuant 10 Ihls Agrgemont. Lender may pay SOrMone else to hotp collecl the l.oanl and 10 "nlo/ce this Agreemenl, and Bo/rowor will pay thai
amoun!. This Inoludes, SUbJeot to any IImlls undllr applloablo taw, Lendor's Rltorneys' 100$ and londer'. legal oxpenses, whelhor or not thoro Is I
tlWllult, Ifloludtng attorneys' lees lor bankruptoy proceedings (1~ludlng efforts 10 modify or IIloalo any automFJlio slay or In/unotlon), appeals, nnd
any antlctpatod post-Judgmenl 001l6OIIon servlces, Gorrower al~o wili PRY any coull costs, !n Bddltlon 10 all olho/ sums provided by law.
NolllJet, All notices requlled to be glwn IIndar Ihls Ag/oomonl shall be gillen In writing and shall bo ellocll....o whan nctuaiiy dfllillorod Of when
deposlled wllh II nationally recognized overnight courier 01 dopoSlled In Iho Unll6d Stater; mall, first class, poslage prepaid, addrenod 10 Iht) part.,
In whom the nollee IS to be given at Ihe addross shown BboVQ, Any plllly ml'lV change its add/ess 'or nollcos under Ihls Agreomont by gl'.1ng
'ormlll w/IHen nolleo 10 Ihn olho/ par1les, spoclfylng Ihat lhe purpose 01 tho notlca Is 10 ohanga thu pady', addross, To Ih~ extenl pormitlod by
applloablo law, It there Is tno/6lhan one Boltower, notice 10 Iloy Borrower will r.onstitulo nOIlCO to all Borrowols, For notice purposas, Bor/owo/
agroo. to keep Lender InlorrMd al all limos 01 Bo/rower's curronl11ddrOSs(as).
Severablflty, If a courl of oompetont jurlsdlotlon find!. Bny pro'.1slon 01 this Agroemar.1 10 bn Invalid or IInenlorcoabio 8S 10 Bny porson or
Clrcumstanoe, suoh finding shall nol ronder thlll proVIsion invslld or unnnforooabte as to any olher pOIsons or OIrcumslllnces II 'oasible, tiny SUCtl
oHendlr'.Q provision shall bo deemod to be modlfiad to be wllhln 1h9llmlls 01 enlorcenblllty or III1i1dily: howellOl, Illho ol!ondlng prollislon OQllnol be
51) mOdified, It shall be r;hiokon and all othor pro'.1slons cl this Agroomonlln all olher rOSPOOIs shall /emaln valid find onforcoable
Gublldtarlea end A"ltIalel 01 Borrower. To Iho exlent tho oonloxt 01 any Plovlslons of Ihls Agronment makes It apploprialo, Incll/ding wlthoul
limllallon any ropresonlation, warranlv or oovonant, Ihe word "Borrower' as usod ho/eln shall Include all Subsldiarlos and alfil'atl'lti of Elorrowo/
NotwllhstBndlng thO loregolng howevor, undor no oiroumSIBnces shall this AQreernonl be conslrued to rOQ~II/e Lander to make any Loan or olhe/
financial aocommodallon 10 any subll)dle.ry Of a,"llale 01 Borrowo/.
Succlnor' and A"'gnl. All covenants and agroemonls conlalned by or on behalf of Borrownr shall bind Its suocessors and assigns and shaii
Inure 10 ttle banefll of Lendor, Its SIJCCOS!iO/1 and assigns, Elorrower shall nOl, hOwever, hallo the rtght 10 assign lis tighls under this Ag/eomenl or
Iny Inlerest therein, wlthoullh8 prior wrnten consent 0' Lender,
Survival, All warranlio!, reprosonlallons, and covenants made by BOHOWB/ In Ihl! AQ/oomenl or in any c(,r1ilicate 0/ other InsllUmont dolivorod by
Borrowe/ to lMder under this Agrooment shall bl) oonsldered to have boen tolled upon by Lender and will sur'.1ve Ihe making 01 the Loan and
delivery 10 Lende/ 01 tho Relallld Documonls, regardlOSS 01 any Investlgallc,1 mado by tendo/ or on Lender's bohlltt
TIme tl ollhtt EalWncCI. Time hi ollhO ossenco In the performance 01 this Ag/9flmenl.
Waiver, Landor shall 1'101 bo deemed to havo walvod any rights under this Agroom&r\1 unless such waiver IS given In wriling and SI\lflod by
Lendfl(, No delay or omission on Iho pari 01 Lllnder in exo/clsing Any righl shal! operalo as a waive; of suoh rtght or any olher right. A walllD/ by
londer of 0 provision 01lhl5 Agreemenl shllll not prejudice or conslilulo a wfI!"er 0' Lender's right o!horwlse 10 domand 61rlcl compliance wilh Ihal
pro'.1.'1lon or any other provision 01 lhls Agrooment. No prior w!llver by Landor. nor ony ooursa 01 deallnQ botween L3nder find Bor/ower, or
bel\'Joen LMdor and anV O/anlor, sholl corls!ltule a wo)ver of any of londo/'s rights or 01 any obllgalions 01 BorrowOI or 01 any Oranlor as to any
lutute lransactlons, Whonevor the conse'll 01 Lander IS loqulred under !hls Agreemont, Ill" granling 0' suoh consenl by Londe/ In anv Inslance
shail nol constitute oonllnulng oonsanlln subsoQlIonllnslanoes where such oonsent Is reQI/I/ed, and In all cases suoh oOMenl mllV be granled 01
wlthhotd tn the sole discretion of L.!lndof.
80RROWER'
.:$-:l,~U..x".,~~__(sr-AlJ
seph e ovtch, Sr,
lEND!:A~vt2
PENNSV~A STAT BANK
BV',__~ J2~~__
Aulhorlzed Off r /\J .
EACH BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS Of' THIS BUSINESS LOAN AGREEMENT, AND EACH BORROWER
A(iREI::S TO ITS TP.RMS, THtS AGREEMENT tS DATED AS OF FEBRUARY 17, '995.
X Q;Il;,~~-G
n A, Cekovlch .
(SEAL)
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ESTATE OF .mAN A. CEKOVICH (!-
SOCIAL SECURITY NO.: 165-26-6101
DATE OF DMTIl: SEl'TEMIIER 4, 1996
-
REV-ISOO -
I _
PENNSYLVANIA INHERITANCE TAX
RE11JRN
FILE NO. 21-96-731
REV..I!JOO EX t (1-'[)7)
COMMONWEALTH OF PENNSYLVANIAJ REV-1500
(JEPAFITMENTOFREVENUE INHERITANCE TAX RETURN
DEf'T.2B0001 :,1 q(, O(J'J:ll
..,_ H"RRISBURG, PA 1712B-0~1.._... =~c'=-~;~~~lDE:CE[)E:.~!,~___ ":c:~~~~Yd.~ ,r" yeAH _~==,:~'~! \ ----=-~
14, Net Value Sub eot to Tax L1no 12 minus L1no '13
15, Amount of II no 14
taxable at Ihe spollsal
tax tate
See Instructions on pago 2 for appllcablo percontago
16. Amount of line 14
taxablo at 6% rata
17, Amount of Uno 14
lax.blo .115% '010 0,00 x .15 (17)
1B. Tax Due (13)
19. l CHECK HER!! IF YOU ~ Rf!.QUESTING A REFUND OF AN OYERPAVM!ili!J-
>> BE SURe TO ANSWER ALL QUESTIONS ON PAGE 2 AND RECHECK MATH .<
Under ponaltloA of porlury, I doclaro lllall hava oxarninod this rotutll, InclucJinq accomponying AchndUlos Ilnd stnhlfl10lltfl.. and 10 tllo bo:;! 01 iny knowlodgo
nd bollol, It Is true, cDrroct and comploto, DoclmLlllon of pmparor olllO! than tho pOIf/onal roprosonlallvD is bnsod Oil nllllllormlltloll 01 whlcl1 proplllOl IHlS
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DECEDENT
CHECK
APPRO-
PRIATE
BLOCKS
CORRES-
PONDENT
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RECAP IT -
ULATION
TAX
COMPUTA-
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FILE NUMBER
DECEDEIH'S NAME (LAST, FIRST, AND MIDDLE ,fj,T'Al)
Cokovich, Jean A,
SOCIAL SECURITY NUMBER -----------roATE OF DEAlH ~-'----.--------roATE OF BIRTH
165 ,1,6,6101 ._....-1._ 09/04/% _______L 01/1,4/1933
IIF APPLlCIIBLE,SURV,VING SI'Oll'iE', NIIM! IL~J:CIAL SEClIR,TY NUMBET" THIS RE1URN MUST BE FILED IN DUPUCAT'E
I'mST,ANDMIOnL(INITlAlj ,) , ~
WITH THE REGISTER OF WILLS
0, I I R I 2 S ~I '-, I R ,---' -113~1~\("iI;r flct"rn----~~-
1, rig nB 0 urn ' uPP 0rT1011 a () urn (d,llfl o! rkqlli prill! to 11' \:\--8;>)
4a r=lduflllllturfl~l Con(fJ(O/ln~ll t: ~, '
4, L1mltod Eslato ' (d"tllof dllaH\ illter 12" \2.112) ~, Fodoral E!-JWlr, Tn>( Rtrn, Roquuocl
6 Decerlclll Dlcd 1"csl~-'tr 7, lleCIlr!fllll M,lIntamllrf il Li~'n[J lrl!>ll () 8 T , I N IS" D '10
, (AIt.lCh copy of Will) (AltilCh cuPy ()f 1"ru:l1) _ ,() a 0,0, d 0 Op(J~I, (~OX03
Lit ' P dR' d 10 SfJ[)(lSJ.IPnvetly CrllrJil(dJlu oj death IHllwe,HI ll11 Eler.,.wn 10 li.t."il(lrll1r':>lIc. 9\ 1,11111
9, I allan loceo S QCOVO ' \2":J1~91.uHI I I-gO; , If\tl.\rll <"Cl!.2.L
nus SECTION MUST BE COMPLETED. ALL CORRf!.SPONDENCE &. CONF'DENTI~L TAXJNFO~,ATlON SHOUL.QJlE D.!.R.!O..<:i1!D TO'__
NAME COMPLETE MAILING ADDRESS
John M, Eakin, Esq. Market Square BlIildilKJ
FIRM NAME (I/Appllcable) Moctklnksbllrg, PA 1'io~)')
TELEPHONE NUMBE:R ?]Q '0
_ (0
717-766-3172 =:S ::.' 0.)
-------I~~
~ 3
1. Real Est.,e (Schedule A) (1) 472,400,00 :::to;-,
-<
2. Stocks and Bonds (Sctlodulo B) (2) None I
3. Closely Held Corporation, Partnership ( -..J
or Sole-Proprietorship (3) 218,000S'00 )::-'1
-~
4. Mor1gages & Nolos Roceluable (Schedulo D) (4) T~ 0
5. Cash, Bank Deposits & MIscellaneous Personal f,j
\0
Property (SchodLlle E) (5) 144,540.69
6. Jointly Ownod Propor1y (Sr.l1edllle F) (6) None
7. Intor-Vlvos Transfers & Miscellaneous
Non-Probale Proper1y (SchodLlle a or L) (7) None
B. Total Gross Assets (total Lines 1-7) (6)
9. Funotal Expenses & Admjnlstrative Costs (Schlldul!l H) (9) 89,305,90
10. Debts of Decedent, Mor1g. UablhUes, & UellS(s[;h, I) (10) 79,843,55
11. Total Deduotlons (Iolal Line, 9 & 10) (11)
12. N.t Value 01 Estate (Lino 8 minus Llno 11) (12)
13. Cha.ritable and Governmental Bequests/Sec 9113 Trusts
for which an election to tax Ilas nol been mado (Sohodule J) (13)
XI
:11 Ql
(J:i (,
OFFICIAL' US E ONi. Y
(';
0)' D
""
834,940.69
169,149,45
665,791,24
None
14
665,791. 24
x .0
(15)
66'i, 791 ,24 x
39, 94'7. ~'7
.06
(18)
0,00
39,947,47
PA REV-WOO EX (1-97)
Docodon(s Complete Address:
STREH ADDRESS
6996 Wt,rtzville Road
Pago 2
CITY
Mechanksbuyg
Tax Payments and Credits:
1. Tax OLIO (Page 1 Line 18)
2. Credllsipayrnonts
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
I STATE
PA
IZIP
17055
~) 39,947.47
11, 820.00
Total Credits (A + B + C) (2)
11,820.00
3. InteresUPenalty II applloable
D. Interest
E. Penalty
1,997.79 _
Totallnlarast/Penalty (0 + E)
4. II line 2 Is greater tllan line 1 + line 3, enter tile dilleronce. Tills Is lile OVERPA VMENT.
Check box on Page 1 Line 19 to request a relund
5. If line 1 + line 3 Is greater Ihan line 2, enter lilo dlfferenoe. Tills is tile TAX DUE.
A. Enter the Interest on the lax dUe,
B. Enter Ihe lotal of Line 5 ., 5A. Tills Is lil. BALANCE DUE.
Mako Cileck Payablo to: REGISTER OF WILLS, AGENT
(3) 1,997.79
(4)
(5) 30,125.26
(5A) 699.45
(5B) 30,824.71
PLEASE ANSWER THE FOLLOWING QUESTIONS
BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1, Old decedent make 8 transfer and:
a. retaIn the use or Income of tho proporty trensloned: . . . , . . , , ,
b. retain the right 10 designata who shall use Um propor1y transforred or its income;. ,
o. retain a reversionary intereSI; or. , , , , , , , . . .
d, receive the promise for life of either paymonts, bonoms or cara?, .
2. If death occurred on or before December 12, 1982, did decedont within two years
preceding death transfer proporty without receiving adoquate consideration? If death occurred
atter DeoemQer 12, 1982, dId decedent transfor proporty within one year 01 doath without
receiving ada~uate consideratIon?, , . . . . . . . . . . , . . . . . . , , , . . . . . . , . , , , , . . . , , . , , . , ., 0
3. Old decedant own an "In trust lor" or phyable upon doath bank account or security
at his or iler dealil? . . . . . . . . . . . . . . . . . . . . . .
4, Old decedent own an Indlvlduol retlroment account, annuity, or other non-probate property? , , , . , ,
Yos No
........ ~ ~
~
B ~
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,
YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN
72 P,S. 89116 (a) (1.1) (I) provldod for thf.l reduction 01 tho tax rate imposed on tho not value of transfors to or for the use 01 the surviving spouse from 6% to
3% lor dates of death on or after Jllly 1, 1994 and b8folO ,January 1,1995.
72 P.S. 89116 (a) (1.1) (Ii) provided tor tho roductlon of 1110 rato imposed on the net valuo 01 translers to or for tl18 LIse of the surviving spouse Irom 3% to 0%
for dales of death on or allor January 1,1995. The statutfl 90BS not oxempt a translor to a surVIving spouso lrom tax, and Hie statutory requirements for
dlsclosuro of assets and filing a tax rotUln are still appllcablo ovon if the surviving spouse Is tho only beneficiary,
FOR DATES OF DEATH ON OR AFTEI\ ,JANUARV 1, 1995 -- Please answer tile following queslion by placing an "x" in lile approprlete spece.
Old the decedent create a trust or similar arrangement Which Is solely for the surviving spousets benefit for hIs or her entire lifetime?
Ves 0 No@
11 you answored yes to tho above quostion, tho tax on tho trust O! sImilar arrangoment IS postponed until the death 01 tho seoond spouse, al which time It will
be lully taxable at tllEo) rnto(s) applicablo to the lemnlndor bonohclary((os). Entor tho value of the 'rust on Schedule J, Part II, In ordor to remove II from the
calculation of tho lax due in this estato, You may wish to file Schodule 0 In ardor t'J make the election available under Section 9113. If the election 19 made,
tho trust or similar arrangemont is taxed ill tile estate of tho first docedoll\ spouse, tho por110n of tile trust or similar arrangement whlcll benoflts the 9urvlving
spouse Is taxed a.t Ihe zero lax rato, and tho rornaindm Is taxed at tho ralo(s) applicablo to tho remaindtlr beneflclary(ios). If you choose \0 make the eloction,
you must attach SctlOdulo 0 to a timely-filed tax roturn, along wltll Scllodulo(s) K and/or M In ardor to show tho appor1lollmsnt of the trust or similar
Elrrangoment between tho sUlvl\lln~ spouse and 1110 rOI1lRlndot bonefldary(ios).
7 PA1S002 NTF 10870
Copyright Forms Snftwarfl Only, 1397 N.,Ic;o, Inc..
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3910 M"rKat st. Camp Hill
OS/23/97
FA 170'1
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appraised lire 1;110 re(~ sllllple llll'.f~t"flnl'. iil 1;1113 slt;e and Imllrovements,
'l'h9 9 I te I S II g, 5 n'!le \l~ rea I wi 1;11 \oIr,ll 1111d sp.l'tlu, 'I'ha road leading
to \:1,,,, 911bjocl: I'rtlperl.y In a private \"o,\tl IIIaJlIl:illllad by I:he O\(\1er,
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23-05-12,5 1. !Hil'(1l '/,.25-\1'/ SOlll H"I, "100
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DESCRIPTION OF COMPANY
Cekovic Mobile Home Court operateS a 54 space mobile home parkin
Cumberland County as rnore fully desoribed in the appraisal report prepared
by Diversified Appraisal Services, Presently, the mobile horne park
oper1\tes as a grandfathered non-conforming use in a R'esidEjntial Est1\te Zone
of Silver Spring 1ownship, You have represented to us that there is no
possibility of expansion of the park due to the cvrrent layout, surrounding
prope,rties, existing zoning requirements and other government restrictions,
At September 4, 1996, the Company operated under a partnership agreement'
effective as of october 1, 1995 between Eli Cekovic and Jean A, Cekovich
which indicates an equal ownership (50% eachi of the Company, Various
provisions elf the partnership agreement describe the procedures to be
followed upon the withdrawal or death of a ~artner, voluntary dissolution
of the partnership, and other matters, You have repres!;'!nted to us that
cash is not accumulatsd in the partnet"ship, but is generally promptly
distributed,
NONCONTROLLING INTEREST
I
As part of our engagement, we have been instructed to assume that the value
o,f the Company as of September 4, 1996 is $ 605,000 as reported in the
appraisal report of Diversified Appraisal Services dated April 16, 1998,
This value as calculated by Diversified Appraisal Services represents a
100% ownership or controlling interest value.. Since the partnership
interest owned by Jean A, Cekovich do!;'!s not allow for the benefits usually
associated with control, it is necessary to consider a discount fO,r the
lack of control, The value of control depends upon the partner's ability
to enjoy or exercise any or all of the various rights typically associated
with control, These partnership rights usually include the ability to set
or change Company policies, change the direction of the business, purchase
or sell Company assets, incur debt and other various rights,
In the case of Cekovic Mobile Home Court, the ownership percentages temper
the importance of these rights as the primary factors in determining the
amount of control for the ownership of Jean A, Cekovich, Neither of the
partners had complete control of the Company, nor was either partner in
an inferior position. Although equal, undivided interests are generally
worth less than a proportionate share of the entire company, the percentage
dhcount from proportionate value is usually less t.han t.hat for a minority
interest with no c6ntrol whatsoever,
In quantifying our estimat.e of the discount for a noncont.rolling interest,
we utilized Meroerstat. Review, an annual statistical publicat.ion by
Houlihan, Lokey, Howard & Zllkin, The t.housands of daily transact.ions on
stock exchanges are predominantly minority int.erest transactions, &ach
year I however, cont.ro1ling interests in a few hundl"ed publicly traded
companies are purchased, Meroerstat Revie,," annually compiles and publishes
this data concerning the control premiums paid in those transact.ions, A
s\lmmaryelf this ,1ata aince 1980 is as follows,
- 2 "
~
MARKETABILITY DISCOUNT (Cont' d, J
Ownership interest,s in smaller" closely-held companies are not readily
marketable when compared to intereots in similar publicly traded companies,
1\s a result, these closely-held companies are worth less than a similar
ownership in a comparable publicly traded company, This difference in
value creates the need for a marketability discount, Factors that are
usually considered in determining the discount include the lack of a pre-
established market for the privately owned business, the high costs of
going public, the greater degree of' risk associated with a smaller company,
the restrictions of transfers of ownership and various other factors,
Cekovic Mobile Home Court is a partnership, 1\s such, any partnership
taxable income and the resulting income tax liability must be incJ.uded on
the individual partners' income tax returns, even though there may not be
a corresponding cash distribution, There is also no guarantee that future
cash withdrawals will meet or exceed the income taxes resulting from
reported taxable partnership income,
The ownership interest of Jean 1\, Cekovich is subject to restrictions as
placed by the partnet-ship agreement, The agreement dQes not have a
guaranteecl buy- sell arrangement between the partners. Upon notice of
withdrawal of a partner, the remaining partner has the option, but not the
obligation, to purchase the withdrawing partner's share, Although the
agreement has provisions under the buyout of one partner by another for
"fair market value", this provision is mitigated since there is no binding
purchase obligation by the non-withdrawing partner,
You have represented to us that you are not aware of any plans to sell the
mobile home park, nor have there been any recent arms-length transactions
of a partnership interest, Based on the discussions above, a marketability
discount is appropriate,
We have reviewed the results of several studies in considering the lack
of marketability or lack of liquidity, The studies fell into three general
categories: 1) discounts on sales of restricted shares of publicly traded
companies, 21 discounts on sales of closely held company snares compared
to prices of subsequent initial. public offerings of the oame company's
shares, and 31 comparison of median price-earnings ratios for the
acquisitions of privately-held companies for which there is available data
to those of acquisitions of publicly traded companies. These studies have
identified average marketability discounts that range from 1'7,5% to 50,0%,
Based on the analysis described above regarding the marketability of an
ownership interest in Cekovic Mobile Home Court, we have concluded that
a discount for the lack of marketability of 20% is appropriate,
- 4 -
'-=-",
TABLE OF CONTENTS
Table of Contents
Letter of Transmittal
Summary of Important Facts and Conclusions
Appraisal Certificate
purpose of the Appraisal
Location Analysis
Zoning
Ownership History
Estimated Marketing Time
Economic Trends
Site Description
Improvements
Taxes and Assessment
Highest and Best Use
,Cost Approach
Sales Comparison Approach
I
I
, I
,
~{
Income Approach
Reconciliation and Final Value Estimate
Underlying Assumptions and Limiting
Conditions Subject to This Appraisal
Certificate of Appraisal
APPENDIX
Qualifications of the Appraiser
Photographs of the Subject Property
Location Map
2
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PAGE NO.
2
3
4
5
7
8
11
13
13
13
14
15
16
17
22
26
35
38
39
42
-, ,-....-.....
APPRAISAL CERTIFICATE
I hereby certify that upon application for valuation by:
THE ESTATE OF JEAN A. CEKOVICH
the undersigned personally inspected the following described
property:
All that certain tract of land situate in the Township of
Silver Spring, County of Cumberland and State of Pennsylvania,
more particularly bounded and described as follows:
Beginning at a spike in the center of a public road
leading fronl Wertsville Road to the Hogestown Road, which said
spike is South 11 degrees 15 minutes East, 178,4 feet from a
spike in the center of said public road at corner of lands of
Robert M, Nissel and lands now or formerly of L, R, Vogelsong;
thence by other lands of the said Nissel, of which this was a
part, North 78 degrees 45 minutes East, 258,4 feet to a pin;
thence by same North 11 degrees 15 minutes West, 62,8 feet to
a pin on line of lands now or formerly of said L. R.
Vogelsong, which said pin is South 78 degrees East, 283 feet
from the aforesaid spike in the center of said public road at
corner of lands of the said Nissel and lands now or formerly
of L, R, Vogelsong; thence along said lands now or formerly of
L, R. Vogelsong South 78 degrees East, 1,837,8 feet to a pin;
thence along lands now or formerly of John Poorman South 17
degrees East, 359,6 feet to a pin at line of lands now or
formerly of Roy Spangler; thence along said lands now or
5
The purpose
the Market Value
1996,
Market Value is defined as the most probable price which
a property should bring in a competitive and open market under
all conditions requisite to a fair sale, the buyer and sellerr
each acting prudently, knowledgeably and assuming the price is
not affected by undue stimulUs, Implicit in this definition
is the consummation of a sale as of a specified date and the
passing of title from seller to buyer under conditions
wherebY:
a. Buyer and seller are typically motivated.
b, Both parties are well informed or well advised, and
each acting in what he considers his own best interest.
c, A reasonable time is allowed for exposure in the open
market.
d, Payment is made in terms of cash in U.S, dollars or in
terms of financial arrangements comparable thereto.
e. The price represents the normal consideration for the
property sold unaffected by special or creative financ-
ing or sales concessions granted by anyone associated
with the sale,
PURpOSE OF nm APPRAISAL
of this restricted appraisal is to estimate
of the subject property as of Sept~mber 4,
7
LOCATION ANALYSIS
The subject property is located in the south central part
of Pennsylvania in CUmberland County. Cumberland County has
pronounced physical boundaries, The Susquehanna River forms
the eastern boundary shared with Dauphin County and the state
capitol, Harrisburg, The Yellow Breeches Creek forms the
southeastern boundary with York County, The boundary then
extends to the southwest following the paney and South
Mountains, That line also constitutes the southern boundary
with Adams County, The southwestern boundary with Franklin
County is traced by Laughlin Run, Middle Spring Creek, Gum
Run, and Maines Run while the ridge line of Blue Mountain
forms the northern boundary with Perry County,
Based upon statistics from the Commonwealth of
Pennsylvania Department of Labor and Industry Bureau of
Research and Statistics, total civilian labor force in the
Harrisburg-Carlisle-Lebanon MSA as of April, 1997 was 348,J.00,
up 8,300 from April, 1996, which was 339,800, The
unemployment rate for Cumberland County as of April, 1997 was
2,8 percent, down ,4 percent from April, 1996 which was 3,2
percent. These figures of unemployment are lower than 5,9
percent for the Commonwealth of Pennsylvania, The total
employment in the Harrisburg-Carlisle-Lebanon MSA was 336,700
as of April, 1997, up from 32'7,500 ,in April, 1996,
8
Major east.-wast transportation links serving the general
area are tJ. S. Route 22 and 322, Interstate Route 78, and
Interstate Route 76. Major nearby north-south arteries
include Interstate Route 81, Interstate Route 83, and U.S,
Routes 11 and 15, Rail service is provided by Amtrak on
ConRail's line, The rail terminal is located in downtown
Harrisburg, Air transportation includes four airports with
Harrisburg International Airport serving the major carriers of
U.S. Air, American, and pennsylvania Commuter Air Lines.
General aviation is also served by Capital City Airport and
the Carlisle Business Airport,
Higher education is offered through the Harrisburg Area
Community College, the university Center at Harrisburg,
Pennsylvania State University at Harrisburg, Dickinson College
and Dickinson Law School, Millersville State University,
Shippensburg State University, Susquehanna University,
Franklin and Marshall College, and York College, among others,
are all within a one hour drive of the general area,
Mechanicsburg is located in the southeast section of
central Pennsylvania, approximately five miles from
Harrisburg, the state capitol. The town itself is presently
undergoing a considerable degree of renovation and restoration
of older properties,
Employment opportunities
pennsylvania, Hershey Foods
Herco, Inc, , Bethlehem
are good, with Commonwealth of
Corporation, AMP Incorporated,
Steel, Harrisburg Hospital,
9
ZONING
The subject property is located in an area which is zoned
Residential Estate Zone, This zone intends to reserve
settings for large-lot estate housing which has become
increasingly prevalent within the township, Selected
locations adjoin existing neighborhoods of similar housing
styles, as well as vacant areas with attractive rolling
topography to maximize visual appeal. This zone generally
lies beyond planned public utility service areas, which
further suggests the need for larger lots to support on-lot
wells and sewage disposal systems, Permitted uses have been
strictly limited to principal residences and related accessory
uses, Finally, vegetative protection measures have been
utilized to protect the character of the landscape and related
natural habitats,
The following uses are permitted in any Residential
Estate Zone:
1. Agriculture, subject to the standards listed in Sec-
tion 201 of the zoning ordinance, but excluding com-
mercial livestock operations.
2. Single-family detached dwellings.
3, public and/or nonprofit parks and playgrounds.
4, Public utilities structures,
S. Flag lot residences, subject to the standards of Sec-
tion 605.04,7 of the Subdivision and Land Development
11
"'>-.....-"'"
SITE DESCRIPTION
The sUbject site is irregular in shape, consists of a
total area of approximately 15,46 acres, and has approxi-
mately 195.8 linear feet of macadam road frontage along Linda
Drive.
The site is relatively level throughout and there does
not appear to be any drainage problems, According to the
Federal Emergency Management Agency map number 420370-0005-B,
the site is not located in an area which is prone to flooding,
In the absence of core bori.ng, it has been assumed that
there are no mineral deposits of a commercial nature
underlying the subject site. For the same reason, it is
assumed that there are no unusual sub-soil conditions that
would adversely affect the subject site.
Access to the site is via Linda Drive, and visability
of the site from this roadway is considered to be good.
Water and sewer facilities are on-site privately owned
and maintained systems, Ut:i.1ities available at the site
include electricity and telephone service. There appears to
be sufficient capacity in each of these utilities to permit
optimum utilization of the site,
14
, -,. -., ,.. d..
HIGHBSTAND BEST USE
Highest and Best Use is defined by the Appraisal
Terminology and Handbook, published by the Appraisal
Institute, as "the most profitable likely use to which a
property can be put", The opinion of such use may be based 011
the highest and most profitable continuous use to which the
property is adapted and needed, or likely to be in demand, in
the reasonable near future,
However, elements affecting vdlue that depend upon events
or a combination of occurrences which, while within the realm
of possibility, are not fairly shown to be reasonably
probable, should be excluded from consideration. Also, if the
intended use is dependent on an uncertain act of another
person, the intention cannot be considered,
The following tests must be passed in determining the
highest and best use of the subject property,
a, The use must be physically possible, The size,
shaper and topography of the site affect possible uses for
which it can be developed,
b. The use must be legal, i,e" permitted under zoning
and other municipal, county, state, or federal regulations,
c, The use must be financially feasible, probable, and
not speculative, There must be an economic, social, or market
demand for the existing or proposed use, All uses that are
expected to produce a positive return are regarded as
17
financially feasible.
d, Finally, the highest and best use must be that which
produced the highest possible net return for the longest
period of time,
The highest and best use of the site as vacant may be
different from the highest and best use as currently
improved, This is most likely to occur with older properties,
where p1')ysical condition, market changes, and neighborhood
changes ha.ve been si.gnificant since the period when originally
const.nlcted.
HIGHEST AND BEST USE AS VACANT:
The highest and best use of the property as vacant
assumes the site has no existing improvements. This concept
is important to the appraisal report as it is carried through
to the valuation of the land in the cost approach, if
applicable. It assists in the selection of comparable sales
of vacant sites to apply to the subject site, Considering the
physical characteristics of the site, neighborhood uses,
current zoning, location, and financial parameters, it is my
opinion that the highest and best use of the subject property,
as vacant, would be for residential development,
HIG~EST AND BEST US~ AS IMPROVED:
The analysis of highest and best use of a property as
improved addresses what use should be made of the current
18
THE APPRAISAL PROCESS
Three approache~ to value are generally included in an
appraisal report. These techni.ques include the cost approach,
sales comparison approach, and income approach to value,
The cost approach to value is based on the assumption
that the reproduction cost of a building plus land value,
tends to set the upper limit to value, A key assumption is
that a newly constructed building would hav~, advantages over
the existing building, therefore an evaluation focuses upon
disadvantages or deficienci.es (depreciation) of the existing
building compared to a new facility.
The sales comparison approach to value assumes that under
normal conditions, a given nunmer of parties acting
intelligently and voluntarily/tend to set a pattet'n from
which value can be estimated, Application of this approach
relies on a comparison of the subject with a sufficient number
of recent transactions of comparable properties in the market,
based on a common unitt such as price per square foot of
building area,
The income approach concerns itself with present worth of
the future potential benefits of a property, The initial
est.imate involves the net income, which a fully informed
person is justified in assuming the property will produce
during its remaining useful life, This estimated net income
is then capitalized into a value estimate, based upon the
20
THE COST APPROACH
The cost approach to value is baaed on the principle of
substitution, which proposes that an informed buyer will pay
no more than the cost of providing a substitute property with
similar utility,
In estimating the value of the subject property by the
cost approach, the following steps must be completed:
a, Estimate the value of the site to its highest and
best use as though vacant, which we have done,
b, Estimate the reproduction or replacement cost of the
improvements on the effective date of the appraisal, This
includes direct and indirect costs,
c. Estimate other costs incurred after construction to
bring the new, vacant building up ~o market conditions and
occupancy levels,
d, Estimate entrepreneurial profit, when appropriate,
from an analysis of the market.
e, Add estimated replacement or reproduction cost,
indirect costs, and entrepreneurial profit, often expressed as
a percentage of total direct and indirect costs to arrive at
the total replacement or reproduction cost of the primary
structure,
f. Estimate the amount of accrued depreciation in the
structure, which is divided into three major categories:
physical deterioration, functional obsolescence, and external
22
" ",
obsolescence.
g. Deduct the estimated depreciation frolO the total
reproduction or replacement cost of the structure to derive an
estimate of the structure's depreciated reproduction or
replacement cost,
h. Estimate reproduction or replacement costs and
depreciation for any accessory buildings and site
improvements, and then deduct estimated depreciation from the
reproduction or replacement costs of these improvements, Site
improvements and minor building improvements are often
appraised at their net value, i,e., directly on a depreciated
cost basis,
i, Add the depreciated reproduction or replacement costs
of the structure, the accessory buildings, and the site
improvements to obtain the estimated total depreciated
reproduction or replacement cost of all improvements,
j, Add the land value to the total depreciated
reproduction or replacement cost of all improvements to arrive
at the indicated value of the fee simple interest in the
property,
k. Adjust the indicated fee simple value to reflect the
property interest being appraised, if necessary, to produce an
indicated value for the interest in the subject property,
Comparison is the essence of the cost approach to value,
similar to the sales comparison and income approaches.
Construction costs, plus land values, are compared to the
23
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values of existing improved properties. The four principles
used for the sales clomparison approach (substitution, supply
and demand, balance, and externalities), are also applicable
to the cost approach,
So the cost approach to value can be derived and
equitably
compared
with the other approaches to value,
adjustments for accrued depreciation from all causes are
deducted from the reproduction cost, including:
a.
Physical Deterioration:
Physical wearing out of
property,
b, Functional Obsolescence: Lack of desirability i,n
terms of layout, style and design as compared to that of a new
property, serving the same function.
c,
External Obsolescence:
Loss of value from causes
outside the property itself.
The cost approach to value is most applicable for new
properties, where the components of physical deterioration and
functional and external obsolescence are small, The Marshall
Valuation Service is used in this approach with actual costs
for the subject property,
The Marshall valuation Service is a complete, dependable
appraisal guide for developing replacement costs, depreciated
values,
and
insurable
values
of
buildings and other
improvements,
Modifiers
are
applied to make the cost
applicable to any size building in any locality. Known costS
for locally constructed properties are also analyzed and
24
J_O_~""
THE SALES COMPARISON APPROACH
The sales comparison approach is a process of comparing
market data, that is, the prices paid for similar properties,
prices aSked by owners, offers made by prospective purchasers
willing to buy, and rents and leases,
In applying the sales comparison approach, various
appraisal principles are applied, ensuring that all relevant
issues have been included in the analysis, The principles of
primary importance are supply and demand, balance,
substitution, and externalities, Additionally, a fundam8ntal
premise of the sales comparison approach is the concept, that
from analysis of sales of reasonably similar properties, an
appraiser has a factual basis upon which to estimate the value
of the subject, Proper application of the sales comparison
approach requires that:
a, Only market transactions be weighed, and the date of
each transaction be confirmed to the greatest extent possible.
b. The degree of comparability of each sale to the
subject be considered,
c, The value conclusion be consistent with the analy-
sis of the sales data,
A definition of market value is: "The most probable price
which a property should being in a competitive and open market
Under all conditions requisite to a fair sale, thd buyer and
seller, each acting prudently, knowledgeably and assuming the
26
".",.--",
._",
price is not affected by undue stimulus, Implicit in this
definition is the consummation of a sale as of a specified
date and the passing of title from seller to buyer under
conditions whereby:
a, Buyer and seller are typically motivated,
b. Both parties are well informed or well advised, and
each acting in what he considers his own best interest,
c, A reasonable time is allowed for exposure in the qpen
market,
d. Payment is made in terms of cash in U.S, dollars or
in terms of financial arrangemen.ts compa,rable thereto,
e. The price represents the normal consideration for the
property sold unaffected by special or creative financing or
sales concessions granted by anyone associated with the sale.
The degree of comparability that exists between a sale
and the subject is often a function of the volume of sales
activity in a market, For any class of real estate, if sales
are infrequent, the market area must be expanded in scope of
time and or geography to, whatever extent 1s necessary to
accumulate sufficient data on which to base a judgement,
To judge the degree of comparability between a sale and
the subj €let, several guidelines can be applied.
a. The sale should be in the same market as the sub-
j €let, To the extent that a market is a meeting place for
buyers and sellers of real estate of a given type, the
boundaries of the market are set by the partiCipants in
27
'''''''.
merchandising and absorbing competitive properties. The
boundaries of a market area are consequently economic in
character, and not purely physical or geographic,
b, Physical characteristics of the sale and subject
should be as similar as possible in terms of size and
amenities customarily found within the applicable class of
real estate,
c. Real estate price trends over time must be taken into
consideration,
d. The functional adequacy of the sale property and the
subject should be competitive in terms of the ability of each
to support similar functions,
In arriving at this conclusion of the value of the
subject property, your appraiser made a survey of properties
that have been sold recently or are now offered for sale
within the general area,
Sales, terms of sale, price, and exterior, as well as
interior appointments, were verified by a personal examination
and/or interview with the sales brokers,
As it was impossible to find an identical property to
that of the subject, since no two properties are ever
identical, it was necessary to make adjustments on each
comparable sale and offeri.ng for sale as related to the
subject property,
Consideration
comparable sale,
was given and adjustments were made on each
offering for sale as to time of sale, size,
28
THE INCOME APPROACH
The income approach is a method of converting income
streams into present worth, Income and expense data has been
collected by the appraiser f~om the subject property owner's
Form 8825 of the 1995 federal income tax return and adjusted
to include current property management rates, Analysis of the
available records resulted in a net operating income of
$65,918 per year,
Using this approach, the net operating income should be
sufficient to cover total mortgage payments and offer a return
on equity investment, The net operating income is capitalized
to obtain an estimate of value by income approach,
Using the band of investment technique to develop a
capitalization rate, the appraiser contacted lending
institutions to determine the availability and terms of
investment capital, and the equity return desired by investors
in this type investment. It was f ounei: that seventy-five
percent of the property value could be borrowed at nine and
one-half percent interest per annum for a term of twenty
years, adjuEited at the end of each year, Also, investors
desire an equity yield of ten percent,
The
,111856,
overall
mortgage constant under
Applying the band of
capitalization rate is
the above
investment
terms would be
technique, the
in the following
developed
35
UNDBRLYING ASSUMPTIONS AND LIMITING
CONDITIONS SUBJECT TO THIS APPRAISAL
1. I assume no responsibility for matters legal in nature,
nor do I render any opinion as to the title, which is assumed
to be marketable, The property is appraised as though under
responsible ownership,
2. The legal description used herein is correct,
3, I have made no survey of the subject property, and the
boundaries are taken from records believed to be reliable,
4. I assume that there are no hidden or unapparent con-
conditione of the proper.ty, subsoil or structures which would
render it more or less valuable, I assume no responsibility
for such conditions or for engineering which might be required
to discover such factors,
5, The information, estimates, and opinions furnished to me
and contained in this report were obtained from sources
considered reliable and believed to be true and correct,
However, no responsibility for accuracy can be assumed by me.
6. This restricted appraisal report is to be used in its
entirety and only for the purpose for which it was rendered.
7. Neither all nor any part of the contents of this limited
appraisal report, (especially any conclusions as to value, the
identity of the appraiser or the firm with which he is
connected) shall be reproduced, published, or disseminated to
the public through advertising media, public relations media,
39
consent
means
and
of communication,
approval of the
sales media,
without the
app,raiser.
8. Unless otherwise stated in this report, the existence of
hazardous material, including without limitation asbestos,
polychlorinated biphenyls, petroleum leakage, or agri-
cultural chemicals, which mayor may not be present on the
property, was not observed by the appraiser, The appraiser
has no knowledge of the existence of such materials on or in
the property, The appraiser, however, is not qualified to
detect such substances, The presence of substances such as
asbestos, urea-formaldehyde foam insulation, or other
potentially hazardous materials may affect the value of the
property. The value estimate is predicated on the assumption
that there is no such material on or in the property that
would cause a loss in value, No responsibility is assumed for
any such conditions, or for any expertise or engineering
knowledge required to discover them, The client is urged to
retain an expert in this field, if desired,
9, I do not have knowledge or experience required to evaluate
whether physical changes have to be made to existing
facilities to conform to the Americans With Disabilities Act
regulations or whether alterations or new construction meets
the requirements, Therefore, the value reported is based upon
the assumption that the subject property Confol;111s to the ADA
or any
prior
other
written
public
40
LARRY E, FOOTE
REAL ESTATE APPRAISER
EXPERIENCE:
1979-Present: Chief Appraiser, Diversifieo Appraisal Services, Carlisle, Pa,
Principal Broker, LaRue Development Co" Carlisle, Pa,
1976-1979: Associate Broker, Colonial Realty, Carlisle, Pa,
1972-1976: Realtor Associate, Jack Gaughen Realtor, Carlisle, Pa,
Appraisal experience includes undeveloped land, farms, building lots, single-family
dwellings, mobile home parks, medical centers, motels, apartment buildings and
complexes, office buildings, service stations, veterinary clinics, rehabilitation centers,
retail buildings, daycare centers, warehouses, and manufacturing facilities,
EDUCATION:
Bachelor of Business Administration, Pennsylvania State University, 1976,
Associate Bachelor of Business Administration, Harrisburg Area Community College,
1974,
Diploma, Carlisle Senior High School, 1965,
Certificate, Pennsvlvania Realtors Institute, GRI I, GRI II, GRI III.
Certificate, Realtors National Marketing Institute, Cl 101, CI 102, CI 103, CI 104,
CIl05,
Standards of Professional Practice, American Institute of Real Estate Appraisers,
Real Estate Appraisal Principles, American Instinlle of Real Estate Appraisers.
Appraisal Procedures, Appraisal Institute,
Residential Valuation, American Institute of Real Est<1te Appraisers,
Principles of Income Property Appraising, Appraisal Institute,
Case Studies in Real Estate Valuation, Appraisal Institute,
Report Writing and Valuation Analysis, Appraisal Institute
PROFESSIONAL LICENSES:
General Appraiser #GA-OOOOI4-L, Commonwealth of Pennsylvania,
Real Estate Broker #RB,.029729-A, Commonwealth of Pennsylvania,
PROFESSIONAL DESIGNATIONS:
GRI: Graduate of thc Pennsylvania Realtors Institute, awarded by the Pennsylvania
Association of Realtors,
CRS: Certified Residential Specialist, awarded by the Realtors National Marketing
Institute of the National Association of Realtors,
CCIM: Certified Commercial Investment Member, awarded by the Realtors National
Marketing Institute of the National Association of Realtors,
CANDIDATE STATUS:
Larry E, Foote is currently a candidate for the MAl designation, awarded by the
Appraisal Institute,
PROFESSIONAL ORGANIZATiON AFFILIATIONS:
Appraisal Institute,
Carlisle Association of Realtors,
Pennsylvania Association of Realtors,
National Association of Rcaltors,
Realtors National Markcting Institute,
...,~.
REV-1512 EX + (1-97)
COMMONWEALTH OF PENNSVLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEOENT
ESTATE OF
Jean A, Cekovich
Include unrolmbureod medIcal oxponsos.
ITEM
NO,
SCHEDULE I
DEBTS OF DECEDENT.
MORTGAGE LIABILITIES, & LIENS
DESCRIPTION
1 CoreStates Bank of Delaware, credit card balance
2 Bank of New York, credit card balance
3 Novus Services, Inc" credit card balance
4 Wells Fargo, credit card balance
5 FCC National Bank, credit card balance
6 A, Z, Ritzman, medical bill
7 Andrews & Patel, rrsdical bUl
8 Pulrronary Critical Care, rrsdical bill
9 Women's Cancer Center, medical bill
10 Holy Spirit hospital, rredical bill
11 CUmberland Family Practice, medical bill
12 Reichdrill, Inc, , unpaid balance on contract to purcha.se weel
drilling rig
13 Arnold Fuel Oil, book account
14 Willard C,
Principal
Interest
HLUT\8r, unpaid balance of loan
$ 13,000,00
$ 260,00
15 Mid Penn Urology, medical bill
16 Pa, PC:MIer & light, electric bHl
17 Rur'al Electric Co" electric bill for Huntingdon County cabin
18 GPU Nuclear, electric bill for Lew:l,stown real property
19 FAME EMS, Ambulance service
20 Pa, Dept. of Revenue, 1995 incorre tax
21 Pa, Dept, of Revenue, 1996 incame tax
Total fran continuatJ.on pagEl~
7 CPA12 NTF llHI12
TOTAL (Also .nler on IIn. 10, R.r.apilulallon
(II maIo space Is needed, Insort additional ahoulR of tho 8~mo slzo)
ClIPVllllhl FUIIIIII 9011w.lrll Dilly, HUH NeiLl!, Int
FILE NUMBER
21-96-00731
AMOUNT
399, 14
6,407,99
4,932,80
4,615,00
2,663,00
197,80
796,56
189,60
469,00
261. 92
10,00
4.683,00
282,71
13, 260,00
7.05
130,71
23,05
109,93
534,94
619,00
886,00
38,314,3~
. 79, 84:L 55
,
,-.~---"
LUAN '1 50025 H
,~. P PENEN~N5YLVANIA
~~~ATE8ANI(
C UIHIFN r PA Yllf'r
$25,3'/1.66
Srl\1EM~NT OAII:
'Il2lJ/'I6
MINIMUM
P^GE 001
PAYMENr DUE DUE
HOb.03 10/05/
IF "AYMENr NOr RECEIVEU OY
10/09/96
",0. "tll ,,~,
('11m/I 11111, '~1/'(I(l' .Il1!11
7"./"'.1111
LA II'. cftllHGE
$9.92
L.
JOSEPH & JEAN CfKUVICH, eSri\fE
IRENE CEKUVICIl, ':XECUlIUK
1420 M^PLEWUlIU URIVE
NEW CUMOERLI\NU PA 17070
NOTICE:
SEE nEVEnSE SIDE
ran IMI'OnrANT INFonMfiflON
_____'~_h_____.,_"'__,____,___ STATEMENT .______
oo~~~~~ooooo.*.*...*.****ooo~***.*~o~'*,.o*..*~.*o.oo.0000000..0.0000000.00000
CU'~/1EllC IAl llc
rUR PERIUO "EGINNING U/21/96, ENUING 9/20/96
o*.oo..ooo.oo..oo..ooo*oo.*~oo.ooo.ooo....o.*o**o..oo.00000..6.00.000.000.000.
INTEREST PRIN PRINCIPAL
ACCRUALS AMUUNr DALANCE
2',,991.0,
UEGINNING PRINCIPAL UALANCE rUR PERIUU
9/09/96 ASSESSEU LAft: CftAr\GES '1.92.
PERIOD ENDING PRINCIPAL OALANCE
24,991.0:
...........................suMMA-rluN FUR TlfE PERIUU.......................v....
PREVIUUS SlMT PAYUrr $
- P^YMfNTS AND CREUITS
. AUVIINCES AND OEUllS
. OflNANCE CHARGE~
t LATE ClIAllGE '
CURRENT PAYOFF $
25 tlO'l./tO
.00
.00
1'10. 't (,
9.92
25.3"1.06
APPROVED CREDIT LINE S
AVAILABLE FUNDS $
AVERIIGE DAILY OALANCE S
~~~h0^rE~~Ptg~~r~~~ER^TE.
25,000.00
.00
2',,991.03
.025617 ~
9.350~
**~*C<(':"".*~'*.(I** FINANCE CIlARGES= AClUAL [>AlLY IlALMICE MElffllU *(<***.*~***l).*
HE FIGUI\E(A ,'OII110N UFI llll, FINANCE CIII\RGE UN YlJUR ,'CCOUNT or APPLYING
lllE PEHIOUIC Il^,E 11) lllE "t\(;llJIIl (HllY DALAlICE" 1lI: YUUR ,\CCIlUNlIINClUlHrlG
CUIU\ENl rRiHl'iAClll.lr~SI EliCit DAY. '0 I;Ef '"" "M:llIAL OAILY BIIL.\NCE" WE TAKE
litE ur:GJ NNING llAl.llr~Cr or YOUIl IICCllVN I [ACIt OilY. /IOU ANY NEW ADVANCES UR
LOAN!> MW SIJlllll/lLl /\flY I'IIYMf:~HS 1,)1\ CIlEIJII,IMID ur~I'I\IO FINANCE CIIAII,GrSI.
TIIEN HE ADO VI' ALL 1111: "M:llJIIL DIIILY IlIlLAI~CE" rINANcr: (IIAR(;!':') FUR TltE
UILLING PERIUI).
"'0 IF YOU IMVE ANY cWESIIUNS CUNCEHNING "HS SlIlTE/HiNT CALLl7111730-7Z40.0fl
".fJ oll.l/ot _ ~'):>'ll?IV'f
'/; t1AIMV~ /J I' ,'1 I {
r.:', Ill. '(. 9 /Y h6 f ~ ,(p
I(tv\l.~ VW-\'. 'I,? 2-
t.4 tD-1A.~'r'-
~a,e~u 9/1/9(.,912..6,292.01',
() /'
r4 'J-,..
REV..1f>13 EX + (1-07)
COMMONWEALTH OF PENNSVLVANIA
INHERITANCE TAX RETURN
~ESIDENT DECEDENT
ESTATE OF
SCHEDULE J
BENEFICIARIES
L
FILE NUMBER
No, NAME AND ADDRESS OF PERSON(S) RECEIVING PROPE~TY
I. TAXABLE DISTRIBUTIONS (Inolude oulrlgillapollsal dlslrlbuliot1s)
21-'96-00731
RELATIONSHIP TO DECEDENT AMOUNT OR
Do Not L1.t l'ru.tee(s) SHARE OF ESTATE
~ean l:;, Cekovich
1 Joseph Cekovich, Jr,
2 Irene C, Cekovich
3 Nicholas J, Cekovich
4 LclJorah A. r<1oyer
5 Cynthia J, Barnes
Son 459,900,00
Daughter 51,472,81
Soh 51,472,81
Daughter 51,472,81
Daughter 51,472,81
EN DOLLAR AMTS, PO ~RIBS, SHOWN ABOVE ON LINES 15 THROUGH 17, AS A~PROPRIATE, ON REV 1500 COVER SHEET
II, NON"TAXABLE DISTRIBUTIONS:
A, SPOUSAL DISTRIBUTIONS UNDER SECTION 0113 FOR WHICH AN ELECTION TO TAX IS NeT BEING MADE
None
8, CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
None
TOTAL OF PART 11-- ENTER TOTAL NON..TAXABLE DISTRIBUTIONS ON LINE 13 OF REV ltlOO COVER SHEET $
7 CPf.13 NTF """ (II more space I. needed, Insert addllienalsheolS ollhe nama SilO)
CopyrlUh1 ForlllA Software OnlY, 19111 NDlr.u, Inc.
0,00
.-""'-
,....-
'!fi'ctat ~llnll ct1t~ IQf~atmtt~ttt
or
JEAN A. CEKOVICH
I, JEAN A. CEKOVICH, of Silver spring Township, Cumberland County,
Pennsylvania, being of sound and disposing mind, memory and
understanding, do hereby make, publish and declare this my Last Will
and Testament, hereby revoking all wills heretofore made.
1.
I direot the payment of all my just debts and funeral expenses as
soon after my deoease as the same can conveniently be done.
2.
I direct that there shall be paid out of my residuary estate
all estate, inheritance and like taxes together with any interest
or penalty thereon imposed by the Government of the united
states, or any state or territory thereof, or by any foreign
government or political subdivision thereofr in respect to all
property required to be included in my gross estate for estate,
inheritance or like tax purposes by any of such governments,
whether the property passes under this will or otherwise.
3.
subject to the oonditions in Paragraph 5 of this will, I
give and bequeath to my son, JOSEPH CEKOVICH, JR., my Reiohdrill 625,
- 1 -
1991 International Flatbed Truok, 1979 GMC step Van, all well drilling
fixtures, equipment, tools and supplies and direct my Exeoutrix to
transfer title to the vehicles and equipment as soon after my decease
as may conveniently be done. It is my desire that the well drilling
business be operated without interruption and that the business be
owned and operated by JOSEPH CEKOVICHr JR. in his owh right and not by
my estate.
4.
Subject to the conditions in Paragraph 5 of this will, I give and
devise my real estate situate in silver springs Townshlp, Cumberland
County, being part of the land described in a deed recorded in Deed
Book X, Vol. 21 at Page 123, and being shown on the plan of lots
recorded in Plan Book 22 at Page 4, fronting 192.21 feet on Millers Gap
Road to my son, JOSEPH CEKOVICH, JR., absolutely and in fee simple.
)
5.
I direot that JOSEPH CEKOVICHr JR. pay to my Executrix one-fifth
of the total Pennsylvania Inheritance Tax and the Federal Estate Tax
for which my estate is liable as a oondition of the gifts set forth in
Paragraphs 3 and 4 of this will and in the event he fails to pay the
same upon request and on at least 30 days notice from my Executrix,
said gifts shall lapse and fall into the residue.
6.
I have previously executed a partnership agreement with ELI
CEKOVIC t.o own and operate a mobHe home court in sHver Springs
ToWnshipr which agreement is dated October 19, 1995 and provides
that in the event of my death the partnership shall not terminate
- 2 -
but my son, JOSEPH CEKOVICH, JR., shall acquire my interest and
thereafter he and ELI CEKOVIC will continue as equal copartners. I
verify that it is my wish that he be the owner of my partnership
interest upon my death.
7.
All the rest, residue and remainder of my estate, real, personal
and mixed, I give, devise and bequeath to my four ahildrenr IRENE C.
CEKOVICH, NICHOI.AS J. CEKOVICH, DEBORAH A. MOYER and CYNTHIA J. BARNES,
in equal shares.
8.
Lastly, I nominate, constitute and appoint my daughter, IRENE C.
CEKOVICH to be Executrix of this my Last Will and Testament. I further
direct that no bond or other security be required of my personal
representative to guarantee faithful performance of her duties.
IN WITNESS WHEREOF, I have hereunto set my hand and seal
this 3:? ~ day of July, 1996.
4.. ~~V
/1 V' (SEAL)
Jean A. Cekov ch
Signed, sealed, published and declared by the above named JEAN A.
CEKOVICH as and for her Last Will and Testament, in the presence of us
who have subscribed our names hereto as witnesses, at her request, in
her presence and in the presence of each other.
- ?t; M,~
Ct fJti- 9' ~QMW1-
- 3 -
1991 International Flatbed Truok, 1979 GMC step Van, all well drilling
fixtures, equipment, tools and supplies and direct. my Exeoutrix to
transfer title to the vehicles and equipment as soon after my decease
as may conveniently be done. It is my desire that the well drilling
business be operat.ed without interruption and that the business be
owned and operated by JOSEPII CEKOVICII, JR. in his own right and not by
my estate.
4.
subject to the conditions in paragraph 5 of this wIll, I give and
devise my real estate situate in silver springs Township, Cumberland
County, being part of the land described in a deed recorded in Deed
Book X, Vol. 21 at Page 123, and being shown on the plan of lots
recorded in Plan Book 22 at Page 4, fronting 192.21 feet on Millers Gap
Road to my son, .JOSEPH CEKOVIClI, .1It., abso} utely and in fee simple.
I
5.
I direct that JOSEPII CEKOVICII, .JR. pay to my Executrix one-fifth
of the total Pennsylvania Inheritance Tax and t.he Federal Estate Tax
for which my estate is liable as a condition of the gifts set forth in
paragraphs 3 and 4 of t.his will and in the event he fails to pay the
same upon request and on at least 30 days notice from my Executrix,
said gifts shall lapse and fall into the residue.
6.
I have previously executed a partnership agreement with ELI
CEKOVIC to own and operate a mobile home court in silver springs
Township, which agreement is dated october 19, 1995 and provides
that. in the event of my death the partnerShip shan not terminate
- 2 -
EXHIBIT ^
but my son, JOSEPH CEKOVICII, JR., shall acquire my interest ahd
thereafter he and Bl,I CEKOVIC will continue as equal copartners. I
verify that it is my wish that he be the owner of my partnership
interest upon my death.
7 .
All the rest, residue and remainder of my estate, realr personal
and mixed, I give, devise and bequeath to my four children, IRENE C.
CEKOVICII, NICHOl.AS J. C~~KOVICII, DEBORAII A. MOYER and CYN'l'HIA J. BARNES,
in equal shares.
B.
Lastly, I nominate, constitute and appoint my daughter, IRENE C.
CEKOVICH to be Executrix of this my I.,ast Will and 'l'estament. I further
direct that no bond or other security be required of my personal
representative to guarantee faithful performance of her duties.
IN Wl'rNESS WHEREOF, I have hereunto set my hand and seal
thls 3:? ~ day of July, 1996.
~~~
/f V' (SEAL)
Jean A. Cekov ,ch
Signed, sealed, published and declared by the above named JEAN A.
CEKOVICll as and for her [,ast Will and Testament, in the presence of us
who have subscribed our names hereto as witnesses, at her request, in
her presence and in the presence of each other.
~-
~~L~. ~/2IlM.(Il-
- 3 ..
IlXllllllT ^
/1) /;(1: (/
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
BUREAU OF INDIVIDUAL TAXES
DEPARTMEt-.IT 280601
HARRISBURG, PA 17128-0601
(/
06-02-98
Telephone~
717787.3930
Register of Wills
Mifflin County Courthouse
Lewistown, PA 17044
Dear Register of Wills:
Re: Estate of ,Jean Cekovlch
File Number: 2196-0731
County: Cllmberland
Date of Death:09-04-96
The subject decedent legally resided in Cumberland County as of the date of death.
Accordingly, you are authorized to cancel file number 4498-0031. All matters concerning this
estate should be maintained under Cumberland County File Number 2196-0731.
All original Inheritance Tax documents for the subject decedent should be forwarded to
the Cumberland County Register of Wills: however, you may wish to retain a copy, including
photocopies of all receipts for the collection of Inheritance Taxes in the subject estate which
have been issued by your office.
Please contact me at the telephone number above if you have any questions.
_.
'0 ~ t::~
~1f2 , .'~ 0.: Sincerely,
~
,p r:.i~ a:
.\ .-. .;
Lf'
-;-
2;W ~ (\) Richard Seneca, Supervisor
cS.b, Document Processing Unit
~<V l.u
a: ~ tS Inheritance Tax Division
0
, 'J
~'" .,.' L
!j '/l&,,'
BUREAu OF INDIVIDUAL TAKES
INHnnUNC[ TAX DIVISION
IlIJJT, 280M 1
IlAlUUS8URO, PA 17176-0601
COMMONWEALTH OF PF.NNSYLVANIA
DEPARl'MENT OF REVENUE
INHERITANCE TAX
RECORD ADJUSTMENT
~. 'J[
~I
V
UV.I~9J U UP (~'.UI
JOHN M EAK IN
MARKET SQUARE
MECHANICSBURG
BlOG
PA 1705,t;:
DATE 10-19-2000
ESTATE OF CEKOVICH JEAN A
DATE OF DEATH 09-04-1996
FILE NUMBER 21 96 - 0731
COUNTY CUMBERLANO
ACN 101
I=~~,,-=~i[~~=:~~=::- -j
MAKE CHECK PAYABLE AND REMIT PAYMENT 1'01
REGISTER OF WILLS
CUMBERLAND CO COURT HOUSE
CARLISLE, PA 17013
CUT ALONG THIS LINE ... RETAIN LOWER PORTION FOR YOUR RECORDS ~
iiiiiT: i59-j - EX" -AFP- - [o9"=iioY-- - - - 'if. - i NHER iT A NeT r A"i - R ifcORil- - AD;jUS riilfiW -Ii ii - - - - - - -. - _ _ _ _ _ _ _ _ _ __ _ _. _ _ _ _ __
NOTE: To inflw'e proper cl'edit to Your aooount I submit the Upper podian of thi~ form with your tRX- peynlent.
ESTATE OF CEKOVICH
-----
,JEAN A FILE NO. 21 96--0731
ACN 1 01
DATE
10-19-2000
ADJUSTMENT BASED ON:
VAIJJEIo~STATE:
1. kesl Eshlta (Schllldule A)
2. stocks and Bonds (Schedule 8)
3. Closely Held stonk/Padnership Interest (Schedule C)
4. Modgfllgos/Notas Receivable (Schedule D)
6. Cash/Bank OOposits/Hisc. P~rsonal Property (Schedule EJ
6. Jointly Owned Property (Sohedule f)
7. Transfft!~$ (ScheduJe G)
8. To,tal Assets
DEDUCTIONS AND EXEMPTIONS I
~~ BOARD DECISION
III
(2)
131
141
151
161
(7)
472,400.00
.00
249,277 .50
.00
144,540..tl.-
.00
.00
, (81
866,218.19
10.
Il.
IZ.
13.
14.
TAX:
IS. Amount of line 14 at Spousal
16, Amount of line 14 taxable at
1." ^"lount of l.tne 1(1 at Sibling
18, Amount of line 14 taxable at
19. Prinoipal Tax Due
TAX CREDITS:
PAYMENT' ---'~.CEIPT '~"--""-'-"''!SCOUNTl+r--' ,
,_P..AIL__. -'-,-__ NUl:m[IL,_____:!"ITJRJ;.ST IfJlLf,AID L:-L. ____,~..~,HO~~~~~_..__
05-28-1997 AA211361 .00 5,820.00
01-26-1998 AA242685 .00 6,000.00
05-07-1998 AA270049 253.15- 30,37(1.07
9. Funeral Expanses/Admini$trative Costsl
Hisoellaneous Expensos (Schedule
Debts/Mortgage l.iabilithts/lions
Total Deductions
Nat Value of Tax Return
Chari table/Gavel'nmontal Bequests J Non-eleated 9113 Trusts
Ho't Value of Estate SlIbjaC1: to Tax
H)
(Sohedule Il
(9)
1101
87,359.33
79,843.55
(111
(12)
1131
U41
167,202.8B
699,015.31
.00
699,015.31
(Sohedule J)
rate
Lineal/Class A rate
rate
Collateral/Class 8 rat.
U51
1161
1171
U81
.OOKOO =
699,015.3IK 06 =
.OOK 00 =
-
.QOx 15 ;:
(9)
.00
41 ,940.92,
.00
.00
41 ,940.92.
BALANCE OF UNPAIO INTEREST/PENALTY AS OF 05-08-1998
---- _.~._-_._~-----_.._- '_.._~-
. IF PAID AFTER DATE INDICATED, SEE REVERSE
FOR CALCULATION OF ADDITIONAL INTEREST.
-fOTACfAXCREDIT-I--" 41,940. 92 I
BALANCE OF TAX OUr ~-, .00 ---
=~:=~~;i~L~;_~i:E-~~,===~=~=~-~ ~ :~;~~~~
IF TOTAL DUE IS LESS THAN $1, NO PAYMENT IS REQUIRED.
IF TOT AI. DUE IS REFLECTED AS A "CREDIT" (CR I, YOU MAYBE DUE
A REFUND. SEE REVERSE SIDE OF THIS FORM FOR INSTRUCTIONS. I
PAYHEN11
Detach the top portion of this Notice and SUbMit with your paYMent .nde payablo to the neme nnd eddrels
pr Inted on the rever'" tIlda.
~~ HBke ch.,~k or lIonev order pBvable to: REGISTER OF WILLS} AGENT.
REFUND (CR)1 A refund of 8 tax ol'edlt, whlClh Willi not requested on the T8x Return, ''''IY be r'equflSt8d by oOlllphting an
"Appl!oat1on for R"fund of Pennsylvania Inherltllnce Bnd t;stat8 T&I':" (REV-U13l. Appl!oations ara ayallable at
th~ Dfflce of the RClgtshr of Wills, any of the 23 Revenue Dhtrlot Offices or- frolll the Dapartflent'. 24-hour
answering service nUllhers for fcrlls ordering: j-888-PAT8xu'i (with touchton" urvloe) or for
rotary s8rylce }-800-362-2050. Services for taxpllIyers with special h08rlng and speaking
needsl 1-80(1-447-3020 (TT only).
REPLY
TO.
Questions regarding errors contnlned on thls noUce should bo adrlreued tOI PA DGPBrtMont of Revenufl, Buraau
of Individual T8xos, ATTN: Post Assess~ent Review Unit, Dept. ?80601, Harrisburg, PA 17128~0601, Phone
(117) 787~6505.
DISCOUNT:
If any tl'lX due is pllld within three:! (3) oalendar Ilonths Aftor the decedent's dGl'lth, 8 flv" peroent '5:0 disoount
of the tex paid is I'lliowed.
PENAL TV:
Tho 15% tBX l'l~neRty non-participation penalty Is cOllputed on tho total of tho tax and Interest assessed, and not
paid before January 18, 1996, thu first dl'lv flftor the end cf tha tl'lX aMnasty porlod.
INTERESTl
Interest Is ohBrg8d beginning with fIrst day of dol1nquenoy or nino (9) Months and one (1) day froll the d8h- of
del'lth to the date of paYMent. Taxos whloh beo8No delinquent before J~nUAry 1, 1982 beef Interest l'lt the rate of
six 16%1 peroent per ennu~ cAloulnted at a dAily rate of .000164. Ali texos whIch beoalle delinquent on and Bftor
January 1, 19&2 wUi hear Inhrest at fl rata whioh will vary from oalendar yoar to oalnndar lI'aar with that rate
ennounoed by the PA Dep8rtfflent nf Revenue. The nppllcable Interest ratoll for 1982 through 2000 arG:
Vear Interest RatG Dally Interest Faotor VOl'lr Interest Rnto Dally Interest Faotor
198~ 20% .000548 1988-P;l91 11% .000301
1983 }6I: .ODOf.38 199, 9% .000247
1984 11% .000301 1993-1994 7X .000192
19&5 13% .000356 1995-1998 9% .000247
1986 10% .000274 1999 7% .000192
1987 9% .000247 2000 8% .000219
.-Interest h caloulated l!III fallaWi'll
INTEREST = BALANCE OF TAX UNPAID K NUNBER OF DAYS DELINQUENT K DAILY INTEREST FACTOR
--Anv Notlcu lUlled flfter the tnlo: hOOOMO!; delInquent will r8flnot nn lnterest cftlcullltlon to fIfteen (15) dlllylt
beyond the dntu of tho flIlS81U1f10nt. If ""'IIUIn! if; _lido lIft"r th9 inter811t COflputfttlon onto shown on the
Notion, additional lnt.r",.! MIlS1. ho cnlcullIhHI.
BUREAU OF INDIVIDUAL TAKES
INtlUHTANCI TAl( lJ~JlSIOH
lJ(.:pr, 260M I
ttARRISIHJFW, PA 17128--0601
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
INHERITANCE TAX
RECORD ADJUSTMENT
DATf
ESTATE OF
DA TE OF DEA TH
FILE NUMBER
COUNTY
ACN
[-=,__AmoU~r-R.ii~t~d , ]
MAKE CHECK PAYABLE AND REMIT PAYMENT 1'01
REGISTER OF WIllS
CUMBERLAND CO COURT HOUSE
CARLISLE, PA 17013
JOHN MEAKIN
MARKET SQUARE
MECHANICSBURB
BLOB
PA U055
I'"~
10-19-2000
CEKOVICH
09-04-1996
21 96-0731
CUMBERLAND
10J
-
kH'I~tl [~ UP IO'-UI
JEAN
A
NOTE I To inJure prop.,.. credit to your acoount, sublnH the upper portion of this form uUh your tax payment.
CUT ALONG THIS LINE ... RETAIN LOWER PORTION FOR YOUR RECORDS .....
R 'EV: is'9-j- Eif -AFp."i of 00 T - - - --iii - I"iiHERi:"fANcfE -TA-X - R'fCORii -Ailj"uSTHENT --liii - - - - - - - - -- - -- - - - - - -- - - - - - - - --
ESTATE OF CEKOVICH
JEAN
A FILE NO. 21 96-0731
1. Real Estate (Schedule A)
2. stocks and Bonds (Sohedule OJ
3. Closely Held stook/Partnerahip Interest (Schedule CI
4. Hortgages/Notes Reoeivable (Sohedule D)
S. Cash/Bank Deposits/Misc. Personal Property (Sohedule E)
6. Jointly Owned Property (Schedule FI
7. Tr.n~f.rs ISchedulu G)
8. 1'ota1 Assets
DEDUCTIONS AND EXEMPTIONS I
9. Funeral Expenses/Administrative Costs/
Hisoellansous Expenses (Sohedule H)
10. Oebt9/Hortgage Liabilities/Liens (Sohedule II
11. Total Dedu(':tjons
N3t Value 01 Tax Rbturn
Charitable/GovernMent.1 Bequests; Non-elected 9113 Trusts (Sohedule J)
Net Value 01 Estate Subjeot to Tax
ADJUSTHENT BASED DNI
VALUE OF ESTATE:
PROTEST BOARD DECISION
12.
B.
14.
TAX:
IS. Anount of Line 14 at Spousal
16. Anount of Line 14 taxable .t
17. Anount of Line 14 at Sibling
18. Anount 01 Line 14 taxable at
lQ. Prinoipal Tax Due
TAX CREDITS'
'--"A~HENT --1lE'CI'I1'T'
__,Jl~1L-__ __!i\!!1I!~lL__.._
05-28-1997 AA211361
01-26-1998 AA242685
05-07-1998 AA270049
rat.
lineal/Class A rat.
rat.
Collateral/Class 8 rete
-UTSClluNT 1 + I
-Itilli,!!.EST I~ I
-I
.00
.00
253.15-
1151
1161
1171
118 )
ACN 1 01
III
(21
131
14)
15)
161
171
472,400.00
.00
249 .277.50
.00
144,540.69
.00
.00
(el
DATE
10-19-2000
19)
110).
87.359.33
79,8ft3.55
(11)
( 12)
(13)
1141
866.218.19
167,202.88
699,1115.31
.00
699,015.31
.011.
41.940.92
.00
.00
41.940.92
i,i, OH;C,,,;- ~~,~?!;N~~;':f= .';~;;f-
B~lANCE OF UNPAID INTEREST/PENALTY
. IF PAID AFTER DAn INDICATED, SEE REVERSE
!'DR CALCULATION OF ADDITIONAL INTEREST.
.00 K
699.015.31 K
.00 K
.00 x
00 =
06 =
00 =
15 =
(191
IF TOTAL our IS LESS THAN $1, ND PAYHENT IS REQUIRED.
IF TOTAL DUE IS REFLECTED AS A "CREDIT" ICR', YOU HAY BE DUE
A REFUND. SEE REVERSE SIDE Of TIllS fDRH FOR INSTRUCTIONS,)
AHOUNT PAID
5.820.00
6.000.00
30,374.07
PAVHEHT I
Detloh the top portIon of thls'Hotlo~ and tub.it with Your pay.ent ~ftdo P8yabl.' to the ne.u end ~ddrQt8
printed on the reverue I1da.
~~ Heke check or IlIOney order payable to! REGISTER or WILLS~ AGENT,
REFUND {C'UI A refund of It tel/: oredit, which was not reqUlu;h~d on the Tax Relurn, llIay bo requusted bY oo..phthi9 ali
"4ppHclltionfor Rofund of PliInnsylvanio Inh9ritllnoe and Est~te Tal<" (REII.1313L Applioations are available at
the Office of the Rogister of Willa, any of the 23 Rovenue Distriot Offices or from the Depart.ent's 24~hour
l!In.M,ring .ervioe nu.bers for forllls orderlnlJ! 1-88ll-PATaxes odth touohtone service) or for
rotlrY .ervl08 1-800~362-2050. Sarvlcas for taxpayers with ppeoi81 hanring and speaking
needs I 1-800-447~3020 (TT onlY),
REPlV
TO,
Quastions reoartting errors contained on this notice should bo addressed tOI PA Departlum"l of ReVenUfl, BurlJau
of Individual Taxes, ATTM: Post Assessllent Review Unit, Dept. 280601, HarriSburg, PA 171Z8~0601, Phone
(717) 7a7~650S.
DIScOUNt:
If any tax due Is paid within threa (3) oo1endQr ~onths aftar tho decodont's death, a five peroent (5%) disoount
of the tax pald is allowed.
PENAL TV I
lhe 15% ta~ aMnesty non~particlpation penalty is co~put8d on the totQl of thq tax nnd interest Dssos'ed, and not
paid before January 18, 1996, the first day tlfter the end of tho tax IU\nU'ty period.
INTEREST I
Interest h oharged beginning with firllt day of deUnqu9nCY or nil'o (9) 1Il0nths end ono (1) day froll ttle dllte of
death to the date of pflYllont. Ta~8s which becl....!) dollnquent befortl January 1, 1982 bear il"lter.~t at the rete of
ab: (6%) parcQnt par onnum calculated at a dally rata of .000164. All tnxes which beca",e dollnque'lt on and CIIft.r
January 1, 1982 will bear interest at 0 rate which will vary from co1endar year to oalendar year with that rate
announoed by the JlA Depart.ant of Revenuo. ThE! I'lpplIonblo Interost rl'ltBllfor 1982 through ,2:000 are!
~ Interefit Rate DailY Interest Fa~tor Vear Interest Rato Dally Interest Factor
1982 20% .000548 1986-1991 11% .000301
1983 16% ,000438 1992 9% ,000247
19&4 11% .000301 1993-1994 7'1. .00019~
1985 13% .000356 1995-19~8 9% .0011247
1986 lOr. .000274 1999 7% .000192
1987 9% ,000247 2000 8% .000219
~"ll\t.rftllt is caloulated as folloWJ;!
INTEREST ~ BALANCE OF TAX UNPAID K NUNDER OF DAYS DELINQUENT X DAILY INTEREST FACTOR
--Any Notice hsued \Jftlilr tho tftx bGoo.oll (htllnquent will rofhwt 8n intoroot oalou1f1tion ttl flfteen (15) daYlt
beyond the date of tho flU9UlIl4'lnt. If pllYIII.nt is liBel" nftf)r ttw intol'o!lt oOIllPutlltlptl dntll ShQlof1l on thGl
Notico, oddJtJonfll .lntarost IIIUSt be onlcuihtotl,
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
--
BOARD OF APpeALS
L1EPT,281021
HARRISBURG, PA ~ 17128.1021
\
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PHOI~E.. 71l.71l:i.36fl<\
FAX 717:,f\7-7270
JOHN MEAKIN ESQ
MARKET SQUARE BLDG
MECHANICSBURG PA 17055
INRE ESTATE OF:
JEAN A CEKOVICH
DOCKET NO. : 0009737
TAX TYPE: INHERITANCE
APPEAL TYPE PROTEST
FILE NUMBER: 21 96-0731
ACN: 101
APPRAISEMENT: APRIL 17, 2000
PETITION FILED: MAY 2,2000
EXAMINER: WILLIAM J ZDRADZINSKI
MAILING DATE:
OC \ \ 0 'mJ
DECISION ANP ORDER
On April 17 ,2000, the Department Issued an appraisement and assessment that
disallowed a Schedule H deduction for estimated settlement costs. Petitioner has now
established the estate is entitled to an $8,257.43 deduction for costs incurred In the sale
and repair of the real estate reported as item #2 on Schedule A,
Accordingly, it is hereby, Ordered that the protest is sustained. The Department
is directed to Issue an amended appraisement and assessment that increases the
deduction for Schedule H expenses from $79,101.90 to $87,359.33.
FOR THE BOARD OF APPEALS
~eAbk
Jo ph R, leek, Member
Page 1 of 2
PAYMENT I
D8t.~h the top portion ~f this NotlcD and sub~lt with ~our p.~.ent .ado pft~abl. to the nn.. and addr...
printed on the revor.. lide I
If RESIDENT DECEDENT _!tko check or Ilotley ordor flayablo tOI REGISTER OF WILLS, AGENT.
If NON~RESIDENT DECEDENT uke check or 1I0ney urdor payable tOI COHHONWEAL TH OF PENNSYLVANIA.
REFUND (CR)I A refund of a tax credit, whIoh was not requested on tho Tax Return, ~ay be requnlted by cOllpletlng an
"Application for Refund of P,mnsyh'anJa Inheritance and Est&to Tax" (RElJ~1313)' Applications aro available at
the OffIce of tho Registor of WIlls, nny of tho 23 Revenuo DIstrIct Offices or froll the Depart~ent's 24-hour
answering service for forll' ordnrIngl 1~80D~36Z~2050, snrvioes for taxpaYers with special hearing and I or
speaking needsl 1~80U~447-30Z0 (TT only).
REPLY TOl Que.tlons regarding orrors contalnQd on this notloe should be eddre,sed tOl PA Oep8rt~ent of Revenue, Bureau
of IndlvIduel Taxes, ATTNI Post ASSlrSslll9nt Rlilvlew Unit, Dept. Z80601, Harrisburg, PA 17128~D601, phone
(717) 787~6505.
DISCOUNT,
If any tax duo Is Ptlid within throe (~) oalendar Ilonths after the dliloedent's death, a flvQ peroent cs:n dltoount
of the tax paid Is allowed.
PENALTY:
The 15% ta)( 1I.nesty non-participation retlelty Is oo.puted on tho tot1l1 of thQ tax end Interest lIS1elilSed, and not
paid before Janusry 18, 1996, the first day after the end of the tax 8~nnnty periOd.
INTERESTl
Interest Is oherged beginning with first dAY of dellnquono~, or nine (9) .onths end one (1) day frOM the date of
death, to tho dote of peYllent. Ta)(os which becau delinquent before January 1, 1982 bear intlllrut at the rflte of
six (6%) percont per annuli caloulated At 0 dally rate of .000164. All taxes which becl!lllle dsllnqullInt on fInd after
January I, 1982 101111 baar Interest at a rata which will vary fro~ oalRndar ye!lr 'to clIlendar year with that rate
announced by the PA Depftrt.ent of Rov~nue. The 8pplIc~blo in~erest retes for 1982 through ZOOl eral
Year Interest Rata Daily Interost Factor Year Intarest Rato DeIly Intarast Factor
1982 20% .000548 199Z 9% .000247
1983 16% .000438 lc/93-1994 71: .0DOl92
1984 11):: .000301 1995-1996 9% .000247
1985 U% .000356 1999 7% ,000192
1986 10% ,000274 2000 8% .000219
19117 9% .000247 ZOOl 9% ,000247
1988-1991 11% .000l01
--Intorest is oalculated 88 folJowSl
INTEREST. BALAIICE OF TAX UNPAID K NUMBER OF DAYS DELINqUENT X DAILY INTEREST FACTOR
.~AnY Notice issued after tho tax beco.o, dellnquont will rufleot an Intor..t oalculatlon to fIft..n (16) d.ys
bllytltld the dntfl\ of tho ouu.",.nt. If pfly..ent h Made f1ftllf' the Int.ro,t co.putatlon date shown on the
HfltiOQ, IlddltJon~l intorost MUlIt he ollloulfttod.
"
Completo Items 1. 2, find 3, Als.J comp/eto
itom 4 If Restri(";toc1 Delivery is desireeJ.
Print YOur name ane! ndeJrfJss on Ole rover'lu
S0 that We can roturn the cord to YOL/.
Attach this carel to the back of tho omilpioc::e,
or on tho front if sIJaco permits.
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