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I, JI!SStE I,Bll CIIMPlIBl,L, of Routn \0, \lox DO, (Jur),talo. l'unn~ylvllniol Mi,ddlcaox Town~
ship, Cllmhurlund Clounty, l'urmaylvanin, ducluro'thia to ho my luat will and rovokl'! nny
will prGv:Lously mado. hy mo. '
ITI!M ONE. I dJ.roct thllt ull my dohts and f\Jnurul oxponoos, includi,ng my Bravomarkor,
shl\l1 be pn:Ld from my t'lIsiduary ostate /lR aoon on prnct!'lllhlc of tor my deoanso, as n
part of the expense of the adliniHtrntion of my estate.
ITllM TWO. I !live. daviAo And hl'quAnth my ontiru ent/lto to my hUAbnnd. A1\THURWILLIAM
CAMPIlELL. if he Aut'vivoH mo hy 60 days. 10 .tho evont thnt my husband, AWl'HUl\ WILLIIIM
CI\MPllllLL, predecenl\ualne or iA not then living on the 61et day after my decease, then
I give, deviae nnd bequenth my Bnt:LrB Batote to TIlRBSA ANN CAMPllELL, my odopted daugh~
tel'l and to JAMBS E. llAl\NIIA1\T, my son, equnlly, ahare and nhnre nlike, per cnpita.
ITEMTHRBg'i t appoint my husband, Al\TlIUR WILLIAM ClAMPllBLL, lIxecutor of this my last will.
ShQuld ,he .rail to qualify or ceaso to act aa IlKucutor, I oppoi.nt JAMlIS E. IlIlR1'lHART, to
act ae EKecUtorwith the samo rights I powers and dutioA.
ITEH FOUR. I appoint ,1AHES E. BIIRNHAIlT'guardifl\1 of the person of each m:Lnor child of
mine. If he should fail to qualify or caase to f1ct as sllch gUllrdi,an, I appoint LARRY
nAllNHART, JR. to act a,s guardian of the person of anch mtnor chUd of mine with tlw
aame rights, powers and duties. Should LARRY,BARNIIAIlT, J1\. fM1 tu qualify or cease
to act as gUllrdian, I appoint LlIllOY llC1<EL of Hagorstown', Maryland to act aa guardian
of the person of each minor child of mine, with tho slImo dghts, powers and dutios.
ITEM lr1VE. I appoint JAMES E. IlIll\NHAIlT guard:Lan of any property which paasos to any
child under the age. of 21 years and with rOApoct to whic,h 1 am authorbedto appoint
a guardian and have not otherwiS,e specificallY done so. Saiel guardian shall have the
power to use income from time to .timo, for the minor',a educadon, &upport sndlo/e1fare
without regard to his or her parent's ability to provide for such education, support'
or welfare. or to makQ payment for t.hASA pUrI'OAAR. Wit.hO\lt fl1rt.hor rCRponfd.bUity, to
the child or to ,tha child I a paranta or to any person taki.ng oaro of the child. Said
guardianshalLadininiater tile separate and equal Ahari! of eaoh child until he or she
beoomes 21 years of age, at which tima tho share of each child reina:Lning in the guar"
t1ianship aocount shall be patd to ,said child in full., In the event. qf the death o,f
any ,minor after my decease and prior to rear.hinll the OBa of 21 years, his or her ahore
shall be distributed equally to the surviving childrsn or ohild to be atllldnist8rod in'
J accordance with this guardianship proviAi.on, Should hfl fail to qualify or ceaasto act
as guardian, t, appoint LARRY BIIRNHAR1', JR. to oct no guardian wIth the some r~ghts,
powars and dudos.' Should LARRY BARNHART, ,IR fail to qualHy er cease to act as guardifln,
I appoint LEROY ECKEL of Hagerstown, Hsrylsnd to act as guardian with the soma rights,
powers and dudes.
~~ ITEM SI,1<. AU eatate, inhat'itanoo, succopaion and other ta~es, imposed or pIIYllb1e by
reason pf my dsnt.b, and interest and p,e1lllltlos thareoo, w'lth respeot. to all proparty
compriai.ng my gross estate for taK purposoA, whethor or not such property passes undor
~ this will, shsll be paid out of the principal of my residuary eAtnto, wHhout apportion~
ment or right of ro:Lmbursoment.
. ITEM SEVEN. ! di.rect that my personal rElpresa!ltetive or gUardian a\la11 not be reqllirfld
I ~to give bond for the fsithful perfOrmllncEl of th(\i'r duties.Jn any ,jurJsdi.ction.
'ITEM EIGllT. In additio\1 ,to tho righta /lnd IHl\'lIr~ glVIl\1 to Hdudatio,s b,y I/lW, /lnd 01s(\-
w1\are :Ln this will. 1 g1ve tn my EKoc\lt.Or dudng the full tim" 1lfloeASary for tho adm:l.n~
I lsttation of my est.ate thfl following right.s /lnd powers to he exorcised in hie sole
I disoretion.
A. To retoln any r~,nl or porAIlna1 prOpllrty whle'l, mny ,at any t1mo form a part of my
PaBa ono of three pagos
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Honorllblo OOOl'IJU E, Buff 01', JudlJo
Cumborlllnd Oounty Courthouso
Ourlil,lo, PA 17013
me: Dobt assllJnmont ounl1lot
Onmpboll'lCstllto
NO, 1997.00010
SWORN AFFIDAVIT
YOUI' Honol'i
111l\Ve boen Informed by MI's. Shonk, my omlssal'y us Attorney.in.faot, that Mr, Barnhart
testified at the HenrllllJ on June 28lh, 1900, oonoernlnlJ his opinion that I owod him a debt,
Enolosod aro,dooumonts ofJhe Transfer ofTltlo whloh I obtained from "Ponn 0,0,'1'.",
they refleot tho 'I'ax Exempt Stlitus, thnt MI', Bal'nhnrt req\lel!tod,as being a gift from one
relative to another.
I do not owe Mr, Barnhart any money. In faot, ho owes me and my in.laws money for the
oxpenses inourred to bury my Mother, He did not offer, oontribute or make any attempt to pay
them baok for this money, whioh as a the Exeoutor of her wll1and estate, he should hllve, at
I~ast aoknoWledgjld as al'lghtful debt to thOrn;
" I'm sure It Is oleur to the Court, by now, that the loan effeoted through the Trllns.Amorloa
Company was, and nevol' did, inohtdo me as a party to that oontraot. As prov~ously stated to tho
Court, this was a oontraotualagreement between mother and son, the lll'ovlslons of whloh oan
neyer be truly known. This Is a dobt owed by Mr, Bal'nhart, He, and only he, authorized the
disbursement of thf;l money I'ecelved. This aotlon is evident aooording to the forms (attaohedl+
which MI'. Droujos forw/\I'ded to me on July 3r~,1900), !lnd b~arsl~ls sllJnat\II'e.
I also wish to bring to the Court's attention the matter of complianoe by Mr Barnhart
with tl18 Court's Order conoernlng .pls permission to purohase the estate property ,209 Wolfs
BridglJ Road Carlisle, PA, It hllil,come to my attention thl\t MI'. ~ Barnhart, Not Mr,
James Uarnhart ,Is actuallY going to be thf;lIlUl'chuser ohhls IlrOUet'ty I This is In direct
opposition to Your Honor's D'rder , Oralltlng the Exooutor, Mi', James Barnhart to purohase
this property. If thlals found to be the case and MI', Jamf;ls Barnhart Is unable to seoul's the
necessary funds on his own, then It Is reasonable that the propet'ty should be sold "oil the
opsn market" for the n~wly assessed vahle, as I previously requested,
I tl'ust thllt Your Honor w'lll deolde this entire mattel'ln aooordanoe with the laws of this
Commonwealth, ooncernlng legal debt and the adherence to an OrdOl' of Court,
NOTARIAl. SEAl. .
Edward O. f:ledCletjohn, Notary Publlo
Nlwbt/TY Townthlp, York County
MltOtmnb,~\~!\ F.lr'~\FmlWJ
Slnoerely,
L~Dg~r\~'~
. Mrs,'ret'esll Artn(ClllUpbeJl) Searfoss
~~-..cd~"r" ,
INSTRUCTIONS:
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1, \Iou are'ordllt:ecl ~y ,the coUl1t.to QQIIllI tg , J ,!.' 'eritllt,
.sJ PeRSMA I~A s:;'I~ne.djo ,jArnes"6A~~b.atit;tW:t;"I~ ,~ClI.a.Ll.a.nd37,~q -30UllL&.a-U 5(.:. ,
'Tnt"; , C.R m I be. L L. (Speoify courttQO'l\ ot: othar pleloe) , '.
at '" ':30 ~:. County, Pennsylv!miel, on !:JAY ,t),lf,IQQ1
at /1" o'clock, ..p--M., -- ..,tilllir '" e<IaoIo. ell
1'/97 " () ('JCf fa
in the abOve oel~e, M,Ii II. 1fM1M1I Wl~il au..Ii"
2. , Hid \J~~. "J.LL I''''W .tll~ D,..l.l-4~''''I'
$utl.li..Pt'>"urYlp.r,+,.; N~ltr)l:p A'l W~n{1e A+J(,'..ARin<:J1 il1~.l'A~i"e. of AllY
TP.AI1,S+'e.~ of ilL., ,..j..I,1",",,11;' H. (-.C'I fe. ,I~/)\J o'/'hefS r=;""\"'~I/~C;r.,)s'h+~i}I(,;r'l hv AlAine"
It':tQ\.! fitt' to a~roa\.!ca the aOdi:iiiliiits or things reqill.t'ed by ~na,
yo\.! may b$ subject to the sanotions authori~edby Rule ~34.5 of the Pennsylvania Rules
of Civil procedure, inoluding but not limit~ to oosts, attorney fees and ~risonment,
ISSUED BY II p~/COUNSEL IN COMPLIANCE WI~ pa.R,C,P, No. 234,2(a)
NAMEI YfQ~C,A A I S.....AR.f-t.,.'~S
ADDRJl!SStJ'79 Sou-ti1 St"1'N'rlS:h~e e.t
)
TJl:LEPtf:)NE I Un Id.e.d
SUPRH cotJro'ID#
, I
!
j
DATIl: I P!~/1- 99
IY THE COUR1" ~
~2S~ion
Depu ty
O~ICIAL NOl'EI This foL'T11 of subpoena sMll be used whenever: a subpoena is issuable,
including hearings in oonneotion with depositions and before arbitrators, ~te~,
eonmistliclnel:s, ,etc. in cOlTPUanoe with Pa, R.C. P'. No. 234,1. If a subpoena for proc1uction
of documents, records or things is desired. complete paragraph 2,
seal of the Court
(Rev. 1/90)
....
,
Mr, BarnhArt hlld duollll'odllllllkl'uptoy IIppl'oxlllWl,uly (,WU (II), YUIII'H(III1'1I0I' IIl1d WIIS
unable to obtain nny orudlt,
.fussi\! Luu QUlllpbullncvllU'.llulllW!LullyJ,wUuJ1lJtulluluuJmw,
MI', Barnhart, bonont,od fl'OIll (,hIH IUIIII, 110 IIOHI~llIl(l'd 111111 uUIlv.ud !.Iw mOlloy ho '
borrowod lit hla own dlsOI'otlun, 110 IIlsu HuumH tu hllYU mlldu 1,luwly IlIIymulI(,s, oyldonoud
by the luok of dofault IInrl hllH, hy 1.111I(" 11I'lIhllhly l'IIHllll'lul hlH (lI'ulllIllllt,[1I1( f'nl' futuro IInd
unseourod lonns,
I hllvo subpoonllod tho l'uoul'dH (oul'I'un!.ly lwhl lIy !.I1tJ IluuHuhullll"lnnnoo Oorp,)
,of his dabt, for evldonoo of Illy 1ll0UlIlI"H Il1ltluud 11It.\'IIt,[UII, ('I'hoHll dUlllllllollt,HIII'ul\ttllohed),
Aooordlng to the Inltllll tl'lInHI,ot,[ull, wll,h "'I'I'lInH ^lIlul'll11I",1 IHllllll'sl.o()(li,hllt nny bonufit I
, ,
reoeived from Mr, BlII'nhnl't WIIH Hlmply "fllll\lIy hul"lll\{ fllllllly".
Hlstorloally, I huvo lJlvon Ml', UlIl'nhul't 1I\11llUY. Htl'I\IU)'.Ollt uf lovllltv to IllV mother,
,He would"fl'om thno tot!1ll0, 1)llIku H1Wh 1'lIlllilIHt,H of IllU hllHUCI uJlon hlH, oUl't'ont finanolal
plight, l..ntlVU1' mlldo 1111I' uuntl'lIot wl!.lllll1)1 In oUlUlll.IllliuurllJ), III1V u\,vlllont o~
re1l8vmunt of (IllV loun,
,
It Is ospoolally dl8tl'ossln\{ tu IIUl !.lilli, MI', IIm'lIhlll'1. woultl sl.lItU..fOl' Publlo Dooument
or fOVPI'ivllte purposos ,thllt ho IH illY hloluKllInl fll UHl I',
To tho bost of I11Y knowlodllO, Us.ulUlllUlUUll. ( I,hl'oul(h IIdoptlon 01' notll!11 birth) nor
medioaluvldunoo , aVOl' oxlstorl BllbH~1II1t,IIII,IIlL[ his ollllm 01' IllltOI'lIit,y, (Whothot' 01' not
I pursUe art Aotlon of POI'sonnl f)1I III II If 0 Inl.lhlll, IH II1llllUur not hofbl'o tho OO\ll't at this
timo, I have attaohod my COl'tlfiollto of IIlrJJJ 1ll1' YOIII'I'Ovluw),
flavlng had nokrtowlodgu of' (,ho pl'ovlslnl1s Innly ml1thUl"1I Willi my "lIhLIIWIl" and
I paid, fot' hot' funol'1I1 OXpOnHO/l,
According to Mr, BIII'lIhlll't's MI\{llllllpllt.lUIlIl It,) (,hlll Oml1'I., 1:1 t.l1ll1\ooo\tIltlnll of tho
Oxpellses oonool'lllnll tll)(UII dllu OI1Il1,Y lnoU\UI"H hOllsll, ,I f01l1li1 (,hilt ho '11lfl ulllhnud pnymont
, of RoAIICatllto 'Pnxos whluh LluuLllllilllllJy".V!lJJl. M~' hllllhllnd'H 1I1.II,hol', 1I0tinlllls lily
allthorlV'o'c1111l0nt III (,his IlIl1t,II1l',(IIOIIY Ill' whhlh IH IIIHllnHllol\ofl), ll11d I WOI'O sllooossful In
"oloarh\1I "p" UlIs, I@I OUWI' Hlltlh tlY(!I'HhilllH 1111I101'1'III'H hy MI'. 1l1l1'lIhlll't by wOl'klng 01\)se1y
with AttclI'lloy .Inlllus 0, 1,'I(,wl1l', ,II'., willi t1Iud 1.1\11 ol'lIllnlll IIlId SllhHOqllolltly oOl't'ooted
u
~':\"1'$1 \ldljld\ln\{'~IUI\I~UIl'IIIl'-I'i1
6, ' Petitioner had previously filed a similar Petition to this term and number on
., ,,'
, AUgu8t 4,1998, 118tlng oredltors'and debts totaling In exoess 01$63,000,00,
6. UpOIi a conoern being raised by the .other beneficiary, TERESA
SEARFOSS, a careful examination was undertaken oonoernlng a purported mortgage against
the property In the approximate amount of $26,000,00, which had been assigned to Househo,ld
Flnanoe, Sxamlnatlon Of ,the documelits Involving that real estate transaction and of the '
mortgage aotuallY filed by the creditor, Which bore the signature of Petitioner, JAMES E.
BARNHART, and did not bear the signature of Decedent JESSEE, L, CAMPBELL, has lead
the underslgneg to doubt that this mortgage which purports to be, a lien on the real' eatate ,In
question Is, In fact, a valid lien against said real estate, Payment of the aforesaid mortgqge
whloh the undersigned believes may not, be a proper debt of the Estate, would bel,lnfalr to the
rights of the b~nefiolarles of the Estate, and would tend to deorease the payment to, other
Estate creditors, In frustration of the Intentions of 20 Pa,C,S, ~3392,pertalnlng to olasslficatlon
an,d order of payment of ,Estate olal~s,
7" Aoknowledglng the recorded mortgage as an asset of the Estate, would
tend to fav()r the, Interest of the Petitioner, JAMElS El, BARNHART, while not aoknowledglng It
as an asset of the Estate would tend to favor the Interests of the .other benefiolary, TERESA
SEARFOSS. The unclerslgned Is advised and believes that ~etltloner has contaoted saparate
" I'
counsal with respeot to this Issue and that the question of whether the mortgage Is a valid debit
of the Estate may be determined In, the context of litigation between the beneficiaries,
8, Several general oredltors oftheEstate have obtained judgments for their
olalms whloh would prevent the conveyance of the real estate of the ~state wltho\lt payment of
,
the olalms 1(1 full', unless the Court orders that the conveyance have the effeot,of a JUdicial sale,
,
,
~1-97~91O
w rid.
I, JESSII! LEIl CAMI'II!!I,L, of Kouto 10, 1I0x 130, Carl talo, PonnnYlvnniul MiddloaaxTown_
ahip, Oumborlllnd Oounty, Ponnaylvonin, duclnro this to bo my lust will and revoke eny
will previously made by mo,
ITEM ONE, I direct that all my debto and funeral ellpsnses, inoluding IJy gravomarker,
shall bs paid from my residuary Ostate aft aD on as practioable after my daoease, as a
part of the sxpenos of the administration DC my ~stato.
ITEM TWO. I Sive, devJee /lnt! bllqUflllth my Ilntirll eetute to my hllAband, ARTHUR WII,LIAH
OAMPBIlLL, if he survives me by 60 days I In the event that my hlleband, AIITHUR WILLIAH
OAMPBELL, predecoBBeo me or is not then living on the 61at dey after my decease, then
I Sive, devisll and beqllsath my entire estate to TERESA ANN CAHPBELL, my adopted daush-
terl and to JAMES E. BARNIlART, my oon, equally, share ,and ahnro alike, per oapita,
ll'1!H TItREE, I appoint my hue band , ARTIlUR WILLIAM CAMPBELL, Executor of this my laat will.
Should he fdl to qUlllify or oeaae to act liS EXOCUtor, I appoint JAMES E. BARNHART, to
aOt ae Executor with the oame riShto, powero and duties.
ITI!H FOUR. I oppoint JMIES E. BARNHART guordian of the person of oach minor child of
mine. If he IIhould fail to qualify or ceooe to /lot ao euch suardian, 1 appoint LARRY
BARNHART, JR. to IIct as suarllill\l of the pereon of each minor ohild of mine with the
same rishte, powers and duties. Should LARRY BARNIlART, JR. fail to quaHfy or cease
to aot as guardian, 1 sppoint LEROY ECKEL of Ilagerstown, Haryland to IIOt ae suardinn
of the person of each minor ohild of mine with thll ssms rights, powers and duties,
--
IT!!H ,nVE. 1 eppoint JAMES E. BARNHART suardian of any propllrty whioh paSUes to sny
child under the ase of 21 yeare and with reApect to which I sm authorized to appoint
s suardian and heve not otherwiae apecifically done ,eo. Said guardian shall hllve the
power to use inconlll from Ulne to time for the minor's oducation, support and welfare
without regard to his or her parent's abiU ty to provide for euoh educat ion, eupport
or welfare, or to make Pflyment for theAA {lur{loflPA, without furthl'r reftponsibility, to
· the o~iJ.d or to the child's', perents or to any person taking core of the child, Said,
~ guardian'shall edminister the aeparate and eqUfll share of each child until he or she
becomes 21 YSllrs of osa, at which time the ehare of each chUd remaining in the guar-
"!;. dianship account sholl be paid to eaid child in fUll. In tho event of the death of
~' IIny minor after my deceflse and prior to reachins the age of 21 years, his or her ehare
ahall he distributed equally to the surViVing children or child to be administersd in'
~ accordflnce with thls guardianship providon. Should ha fail to quelify or cualle to act
as guardia'l, 1 appoint LARRY BARNHART, JR. to act as guardian with ths same rishts,
H poware and dutios.ShoUld LARRY BARNIlART, JR faU to quQ1lfy or Caase to IIct as SUflrdian,
\J I apPoint L/lROY ECKEL of Ilagerstown, Haryland to act aa guardian with the eams rights,
pOwers snd dutiee,
~
,~ IT!!H SIX. All estate, inheritance, elJcceBeion And other tflxl's, fmposad or Pflyahll' by
11 reason of my desth, find interest find penAltioft thoreon, with roftpect to fill property
compriains my grosn estflte for tax purposefl, Whether or not such property paAllll1l under
. { this will, shall he Paid out of. the principal of my residuary estste, wi thout apportion-
ment or right of reimbursement.
ITEM SEVtN. I direct that my personal representative or guard1Bn shall not. be required
~ to give bond for the fftithful performance of their duties in any .1urJedictlon.
'--'ITEM ElOHT" Inaddition to tho r1llht.fI and I'm'''.... 14lvlln to ltdUrlariefl by lnw find 019"_
where in thia will, I giva to my Executor durin!! the fu.11 tima n0l10Hflnry for tho admin-
istration ef my oetflte the following rJllhtfl Ilnd powere to be oXllrChed in hill 91l1e
discretion.
A. To retflin any refll or pereunftl proparty which mllY Ill' any time form a part of my
Page one of three pages
I!XHIBIT
I "A"
Summary Appraisal Report
Pto ot! DOlotl lion ---'lNIFORM RESIPI:NTIAL APPRAISAL RI:PO
I "IIIPOIII Ail,,,,, llOQ WoHD Bdd\!IiI, 1\ood 1"11 Cll1i1hlll
I'P,\lllo.o"IIIIIII' Dlllld Booll 0-lD, Pal/iii 406
~ I Also,,,;," j'''''IN" 21-07-04,67-009
~' lI11IfUW\ll llllllDlllOwnor
IlW!loll flIl151l1l/Qlull I ',10 HII1l 110 111,HOhulu fllnlllflll 'uo
',i N'IQIiIl"'lIuQd III "11I1"1 N"'II' Mic,lulQDQX 'l'own_hip
H,," "'Ie" N/II '0"1",1'1 Hlllo\ N/II
\ ""'OI/\lIiOlIl IIttClI:nlilY 1I'1oWlll:
II; I ApJlfillSllf
100al"'" I """1 ~!!~"~~Cy"nl
Ill/Ill Ill' tJ/Hlor25% p,
1I1f11'111I nolo Hlfll'I X IIl'IflO' 95
PIUIIOrlY_VilIUO,$ l)ovulllilQ TIHlMlt
IhlllliHHl/aulllllV OVOI SlIllply X VilClltlt (O;bo/I)
MlIIkollll limo IJnUlll :i rllfl~: :HII1lU!. I OVOf.O lilliS, VIlCiHl1 /lIit! 6~)
11010\ 1I0u Ind Ihl IlDlbl '''''1'0\111011 011110 n,lullbo"lOo, lID nol,pptal..lloolo",
~ N"'UI"II"""""oflll'o"" "fll 1""""lIUII';llLf,: Bubjact ;La bounded on tha No!:t" by Wtu:taviJ.111 Rd/on thll ~ Blllat ~by,
Midcl:\'uftKRd"an the ~ol\th by !:O"tlil 174 and Qn Ilhll Wftllt by MOCIIUbtll1i Ch"l:ch,Rej.", __ ,~~,..
IIOClfl" IlIaI a11101 Ih, 'i""~dlll""IIY 01 1110 I"OIIUlI", III 1110 "OIgll~",IIU.' (II'""mlly 10 OIllPloYIIIO,,1 Ond OfIlO"IIIOI, oml,loYIIIOIII 'Iolllllly, oPPlP1 \0 m"~II, 010,):
1 'l'hUlIA!:lnp ,APPII!:Mt IIclVlill:lllil fllQtQU which IlhQ"J.c;\lllfIlCl\: \:h, .1I"bjllc\:'lrnU'klltAbiUt:i,_,St"'1Y~
pr:ioiLLnQl:lII\lIlla fOllowin\! a plil!:iocl af IltAbili\:y,dernonltlO'lItn good ,l1\iIIl1kllt: dtll1llncLtn,thh"Ill;III..,
'l'hlil l\lbjilct hu IIccaSI ta 1111 naQIlllAl1Y hciUt:1l1linCll"cling IClhoola, Ihopping,__I:C1cl:..dQnand
~mpJ.oYiMn\:,'l'hil call1lnunity hllll oPlilnllpIIQIlO1!Q>: flll:thlll: !!lIpllnaionLSWSA 3240 '--__".'__n_~
PilI No,
1111 lip CO,!
CIlIT\bII: hncl
1~, ,Va.' 97198 11l,1..0I I ,HI"OI~1 ^mlllllo'!il
OIlIlUtilnl: ()wno/ , fl/llll
i'l1Il llll"'III"I"III'" ""IWA",,, IIO^
r,1l1pl\olofUlloO 07-0467 1l0II'" 1.r~cl OUO, 00
,llusCrlj1linll,,!nd $ aln!lUlllulltMfl vI1MUath:tII1Cu'II(I!IIIIl,I'IIIH1111 uy ~OIlOI H/A
MdlolI 11 l!1u\: IILgh st;Uat, 0111:1111"" 11A 17013
Add""
"I~Y!~ 111I111y h"UII~&L
1(0001 (yf$1
40 loW tllIW
lllP IlIpll' 100
.u___ .:__1 fl'~Uulll~.nllnl L..._,
I!llIInllllnd UIII\
1111' 101llllY 60
Hlo"'''y a"
MOIIHollllly a ~
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11111 P,"COII
To: ~ RIlddlnUI1
,. _ ---- __._u_ _ __,___, u._
MQlkOI COnUlUo/l$ Inlhe sulJjOCI llIJIOhhufhl/u() (I/lCHHlino SlJnJlOfl In' lho ahnvo conclusions fUlalod 10 lho Hond of propollyvaluos, dOmQnd/supply, and markOtlng lime
I" ""II 01 "10 '11 COIIIIIO""" 11f01'e"'" '"' solo In 11'0 ",IUIIllIlIllun" ,asotlpllon ul ilia p"valonco UI SOlO. and IIl1allOlIlO CO~CU8loll', 010.):
i L'l:oPlIl:lly U1111l reQordp And MLS Il:AthticA ahow I ateDdy mocl!!liIta ino!:1l1ll1l in P.I:QPuty_ ,vll1\lU"
10Vft>: plla\:,yeA!:, IIvorage markating timq ot BO-tOO clayp in IIrllll ohQWQ I good bI1~nc. 0: ,1l\lPPly
,An>! demancl, B'ftW allleD And financing oQnceaaLona II!:!! ,naedacl ~n nai\1hbarhoQd L
.... -
r i P,ojar;,llnfc)imalllln for PUO, . (If .1Il1lliCilhl!Jl' 1$ lhl! dOYClo(Jor/bllildlll Ul COnllnl of Ino lIomo Ownors' ASsocllltlon (tIOAl?
/): ^JIIIIII~I!lllHO lotal nurnbor Of,lll\lI& In U'U SUIJiOCIIH01Q(;1 N/I\ _ ._ ,Apllloxlmlllo IOlal IlUf1\lior of ulllls lor sale In Ihe sutljOct PIQjocl
. UC;LrIIJO comtllonolomonl$ ilIHlllll;rc.1I1IHlill fllCillllos:
n""'O,'nn. 39QII70a ,511216XB,7Dx260 TUI,og'''PlIy 1:.eVll1"
HiI' "9' 'I .19 I\Q 1111 S mil Cllfnor 101 1'''lvo. I. /CINo HIIO 1:.1It.'\1111: thlln nor;rnIl.L
Hp"tllc 10111110 oloulllCollo" "If I """'pll"" Rli'-I\III1j,dlilnthl St1b\.lr.Plln 8110110 :rlil:e\11.1J.1IJ;,~_, ,__~_~_~,
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11""101, III G'''''''''"'0 1\v\J/OoncUlk l1\v\l/U'ramta IIV\J/1UkStonll llVg/VinyJ. 1
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<iIlH" ,,,,11,'"1, L,u i Nlilt; 22,6\" S 35/600 Wilt 37, S'l. $ 37,600 N!lIt ,12i"G'L l A3,700
liOjJlffll:lil\ on aillos (l0I11PillI5l}1\ (illChlUillU tho ~UIJIO(;1 ,HU[lo/li!! comnll1lt1llily to Iho nOlgllhot!lou(J, ole,): S\.lpjftot .1.a ,"not Qompat!bltl.,with
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st~uatuj;alo!l~tiUCll1tion h atl:ongly r.IlQollVl\o;lnd!'1d for. thtJ ~ubj!'1Qt PI'OPll~ty PUta to Vl.lll.bl.ll dgns
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Peprllol.lltion ballG(\ on 11\1' lUll oblllll:v.(\
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I:UlUI,I""",,1 ~I'f>"'"I: ,'l'hta propor.ty hpa been appl:a1aed l.n QUI'l:ent condition. 'l'h1a apPl:.~,aal ill.. tOj;
mOI!I',\}lIqtJ put;pOolla <,>nly, nQntrllnaforabto, , Soe attaQha'd oddllndU!1\, SU1nmar.y 1\pprohal,R.polit
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found l.nIlPPj;op,iata for thl.a Ana1ypj,a, G~eattJat wel.\Jht h epplied to thll Maj;kat Oetll,l\nlllyal.a,
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81010 PA
Zip Oouo 170fT
AI'I'ltAISM, AlmlCNI>UM ~lJlICCIAL CONUI'l'IONS
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1l0US NOT nlioellho I11l1lkol vllluu ur IlIlulu 111111kolllhlllly III Ihu 8uhJool.
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nlld DO NOT 11110011110 11IIIIkol YIIIIIO or 11111110 IIl1ukolllhlllly III Iho sullJooI IlIujlorly,
\..) 3,) Vnolllll nlld 1IIIIIovol0llolllnll1lllN081l10 Iucnlod wllhllllllo 811hjuol'o 1I0lHhlllllhuwl, '111080 1180N IUO IYl'lcul lur Iho nron nllll
'" PO NO'I',lIllecllho 1lIlIlkoly"hlo ur Iuhuo IIIl1lkolllhlllly IIllho 8I1hjoci'llIlIlIolly,
[) 4,) '1110 IllOllulIIllIlIlI1 vIIIIIO III tilo 1I0lUlohilllluud 10 lOlls 1111I11 111111 ul Iho IIIl1lkol volllo 01 Iho 8u\lJoolllfUl'orly, '1111111 due lu Iho
vory wlllo IIII\UO ul vlIIIIO ul IIIUllolllosllllho 1lI01l1l1ll1 Hlllloilufllllllllly ul Iho 8l1hJoclllr(Jll01ly, '11111 oUlllllllulI 1l0BS NOT
nllool 1110 Illnlkol vIIIIIO ul 1110 slIlIjocl ur lis 11111110 I11l11kolllhllllY,
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NOT nrloclllllllkol VIIIIIO ur 111011111110 IIlillkollllllllly 1111110 Hlllljocl. SIIIIIIII1I8 ur 111111111111 wlllor WII811UI11I0801lluII II11S01ll01l1
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i<!' 7,) ,'1110 slIhjoCllllollolly II 80lvlcOII hY IIIIYIIIO, wull_-, __111II180llllc ~__ 8yslUlll0 wlllch 18 CUlIllllulllur Iho oron,
'11111 duos 1I111,II11oolllllllkcl YIIIIIO ur 11111110 1lIlIlkulllllllly,
\j-J, 8,) 1110 811hjoolllqhlor IllUlI flvo (5) YOllr8 ulll, All l11ocI1II1l101l18Y81011181II01lldlllU 1110 1I01l1lllQ, oloolrlonl mid 11111111\11118 syslollls
.J". npllollr IIpllll n vlslllll oxlollur 11I811uclluII lu IX) III wlllklllU mllor, Nu Wllll111111c8 IIro 1I111111cd IIIIhl8 8111101110111,
o 9,) Hul'nll Ilollls woro lIulod IlIlho ClIlIIl110llls secllulI ul Iho ropoll, Thoso 01llnl1l0lll1 Ullloplllr 1I0llls IIro lur dosollllllvo
II11f1l0Sosollly '111111 nro 1101 101\IIholl 1011ll1r8, '1'110 10111I11 Ilollls IIslolll\lo CIINllIollo IlIlInlliro alld IlO NOT nrlcellho IIWkOI
vnlllo IIr 1IIIIIru I11lllkolnhlllly 01 Iho ollhjocllllullOlly, ,
o 10,) '1110 hnsomolll IIl1urJs n dllllluori This CIlIIIIIIIIIII,18 cllllllllullllmllYl'lolllfur Iho IIroll nml DOllS NOT IIllcOllho Il1nlkol
VIlIIIO or 11111110 IlInlkolnhlllly 01 Iho 811hjool.'Tllu 1ll08CIICO ul II IIhlllum !JOIlS NOT IXI80 n hOlllllHlr 81l10ly hllwrd,
[) 11.) '1110 slllljoollllullolly,u008 CUlllllhl IlIlIollum,1 Ul18Ul00collco liS lIulod IlIlho rCIIIIII, This cumllllulIll cUlllldolOd IYlllenl allll
eOllll11UII IlIr Iho 1lI0n ulIII Ihls 81yl0 :lwollhlS IIml DOllS NOTllllocI 1110 IIlilrkol valllo or 1IIIIIro I11nlkolnblllly 01 Iho 8l1bjCl;1
IIrllporly,
[) 1~,) 1110 IlIlId vIIIIIO oxooods 30% ul lullIl voluo IIUll Iulho high dOlllnll1l lur vnclIlII IlIlId III III Is nolghhorllOlxl, Tills oOlldlllon Is
cUllshlorod CUl1IlIIUlIlIlIIIIYl\lclII Iur Iho 1I01"lIlxllhuulIlIlIIl IlOIlS NOT IIrlccllho nuukcl vIIIIIO ur Iullno Illnlkolllblllly ul
11I08nhjoel,
[) 13,) 111u 1111111 YIIIIIO 0~ocoll8 30% ul lullll vIIIIIO. ThiN II 1I11u In Iho IlIruoRII.0 ul lho 8110, ThiN oumllllulIls cUII81dcICd 10110
IYl1lcnl illlll ClIl1IlllUII nllll POllS NOT IIffcollhu nnukel vlIIIIO ur lullllo IIl1l1kolllhlllly ul 1110 IlIbjocl,
'U< 14,) IlIdlvldunl adJuIllllOlIls woro 1Ill\II1rod Ihlll oxccod I~%, Thoso ndjllslluoll18 woto roqulrell duo IU IlIck ulmolo shllllnr
'" eUllllllllllhlos olllllnlllldlvldllnl fIlllIIS' All IlIrco cUll1111l111hlos nlo Iho UIlST A V AIL-AULB,
"l<!. 15,) TlIlnlllllJusllnollls o~cood 25%, Tills 1811110 lu Iho IlIck ul cUllllllllnhlo slll08 111111 woro Illuro 8hlllll\r In 1110 subjoCI', ll18lkol
R III\1n. Alllllroo cOllll\nrohlosiuu Iho DllST A V AILAllLIl,
W 16,) 0110 ur Illuro cUll1llnrnlllo 8nloN 1110 uidor Ihllll III~ (6) IIIUIIIIII llld, AIIIIIIIIHII Ihclu orc CI'1I11'llrllhlo I"UllOlllos IlIlho 81111jool'8
111011, IIUIIO hllVO lulllloCOlllly, IholCfulO, ~lIluN III 0~CON8 nf ~Ix (Cl) 1IIlIIIIIIs 0111 hllYO 10 ho IIRUII, All 1111\10 cmnllnrnhlu811sclI
woll,llllo IlUS'!' AVAIl,AIlLU,
'1ti 17,) 0110 ur 1II1110 cOlllllllrnhl08 usoll woro ill O~CONR of UIIO (I) Illllo IWIll 8l1hjoOll\ll1l1orty. Allllou"1I IlIoro nlo OUll111nl11hlo
f\ I\rollOlllos IlIlho IIl1l11edlolo n\ou, 110110 hllVO sulll rooolllly, '1110lUl\llu,II Wll8110008sIIry Iu 1110 CUl1llllll'nhlo 8nlos ollllllle ul
1110 IlIullodllllo 111011, All chllll\IImhlosu6cII IIfO 11)\:lIlodlll 811111111r 1l0lQIIIIllllluuils 1I1111 wllhllHho snl1lo Illnlkollll8l1ron. All
111100 cOIIIl\nrnhl08 080d woro 1110 nllST A V AIl,AIII,Il.
l:] IH,) '1110 0100lrluII18Y81011l Wll81101 I:Ullllocloll 11I1I1IIU IIISl\oollulI.
o IV,) '1110 wlllor 80l'ylcc WIIS 1101 ClIllllooIUllllllll1l8 IIlSIIUOIIIlII, ~:\';'/i-
,CJ 20,) '1110 IICIIIIII~ IjYsl011l WIIS sllullllIwlIlIulllIK IIIHIIUCII"u,
~ 21 ,) l\uofll,Q-&-I'IIII1IIIIIIK____IlIOI:lIlcl1l._~_,__1 ' 18_ cOlllllcllllolIls OIl""OSlod,
IJ 22,) IIIQllluIlI1 swllllllllU8 ,I,XIUI " ,11111 hulllllllSs ' '1IIClullod .1101 IlIcludoll ncoordl1l810
10lldorl QUhloIlIlOS, '
[) 23.) ACCOldlllSIO loudors BuldullHoN II11111Xllll1l1l1 ul lIor08 w9ro cllllshlolOd lor III Is villuilllulI. ,1\0111111111118 ncrengo wns ,
g\YOlIllU vnluo,
[) 24,) '1110 8ulljOOI III"ilolty Is IUClllul1 Ullllllllvillo 11I1111.
tt;l 2~,) Wuud 1lll0sllllluII 111811OC1l01I11 811 Kuslull,
~ 26,) LIlsll'ooolllod dooll tllluslon Illllu . ~ . CUII811101l1l11l1ll L_t,.s:'o. en ,
[] 21.). I'TllIKISOII cOllslrllollol~rollovllllulllllllO 'UlIIIIICO IlIIlIIIIISIlIUl81\0cUlcnlllll181u ho cOIll)llolOdlll n wurklllnll.llko mnllllor,
[J 28,) Sollor Is I\nylllSl\nl1 or 1111 uf clllsllIH cuol8. '1111s lJons NOT IIflccllho Illlllkol 1'111110 ur 111\1110 lIlalkollllllllly uf Ih,~ lohjeol.
'li29,) All cOlllllllrnhlo slllus 1lI0 vOIUlod clllsod 111108,
IT 311,) '1110101110 IIU SlloollIl cUlllllllulIsl1r lllhor 10IJllllolllOIIISlhnl WllllllluttocllIlIIlkul yulllo ur IUlUro mnlkolnhl1lly 1111111. All'
tlllllsulli!\IlUlI, \ '~' ' \ l~\.\ \ ~", (O,;.l'~n,..L
.....~ 31.1 OI\lO'l'~r'->J:\~fJ)~C~'''~'', . r ~p,,~~" t~"~'^,' .', _\ll__'~ .
1"\ v.,~,~\~ ClMb. ~o c "_ ,. t.'- }.l,~~wO '^...~, .t\'M ,', ... LJ _11-
1.:...s?J - "/7' ~. ZL. In.. -~k ~ ~ <::::. ~~----"
Dnlo A\Il1l1\lsor Ilovluw AIIIIIIIIscr
APPRAISAl. RBVIEW
In looordlnoe wllh Ihl Uniform BIlndlrdl 01 Prolllllonll Appr.lul Pr,ollr"I IlIbmlflho lollowlng .ppr.11I1 Ro~llw of Ihl'
III.ohod Uniform Rllldlnllll Appr.11I1 r.porl prlp.rod bV ,-!!~!~!Ln2lm2~!.L._.__,u__________.______
dIIOd':...rl.'~m\u~_nwiU__ oovorlng thl proporlv 100l10d 1,--gOLlfQ,1,h,..ld~~1Si .
C.'l1.1.i.ll<-iA._,_____..__________________...,_________...__.___-----.'..---___,,1_
Bmd IIpon mv revllw, I dlOl.rl:
(1) Thl proptrty whloh II thl IlIbllOl ollhll rovlow II fllllV dllOrlbod In Ihollllohod Unllorm Rllldonllll Apprlllll Roporl,
(2) Tho .lIlOhod Ipprlllllll oomplllo Ind loollrllopllrslI.nllo Iho II.ndlrdl III lorlh bv Iho Unllorm e1lnd.rdl,ol '
Prof",lonll Apprlllll Pr.ollol;
(3) Tho dlll.nd lhlldlllllm,nlllo Iho dill In Iho olllohod Ippralullro Idoqllllolnd ralovlnl:
(4) The Ipprallll molhodllnd IlOhnlqllll IIl1d In Iho Illlohod Ipprllllllro Ipproprlllo; Ind
(6) ThslnllVlll, oplnlonl, .nd oonolllllonlln Iho .Il.ohod .pprlllll.ro approprl.la and'llllon.bla, '
OElRTIFIOATION
Bl8ld IIpon Iholoregolng, I cerlll}' Ih.l, 10 tho bllt 01 mv knoWlodgl .nd belief:
(1) Tho floll.ndd.11 roporlsd bv mo .nd IIlld In Ihl rlvllw prOIIll"O trill Ind oorrlol:
(2) The InlIVlls, oplnlonl, Ind oonolllllonl Inlhl rlvllw rlporl arl IImllld only bV Ihl IIIl1mpllonl Ind IImlllng,
oondlllonl II.tld In Ihla rlvllw reporl, Indlre mv perlonll, IInblllld prolllllonll InllYlil, oplnlonl Ind
oonolllllonl,
(3) I hlVI no prlllnl or prolpeollve Inllllll In Ihl property Ihll II Ihl IlIbllOI 01 Ihll rlporl and I hlVI no perlonll
Inllrlll or bill wllh rllplollo Ihl parlllllnvolVld
(4) MV oompenullon II nol oonllnglnl on Inv lollon or e~lnl rlllllllng /rom Iho InIIVIII, oplnlonl, or conolllllon8
In, or Ihl 1111 01, Ihll rlvllw rlporl:
(61 MV InIIVIII, oplnlonl, Ind oonolllllon8 wore dmlopld Ind Ihll revllW reporl WII prlparld In oonformlty
wllh Ih. Uniform Bllnd:ardl 0' Ihe Profll,lonal Apprallll PrlOllolI;
(6),' l...Jlid
p.r.onallv InlplOllha IlIb/aOI proparty 01 thl r,port IInder rlvllW;
(7)
(6)
No one provided ,lgnlllOlnl pro'l..lonal u,lallnce.lo ma In mv IlInollon II e rlvllw apprlllar;
I o.,lIty Ihll, 10 Iha bill of my knowlldgl Ind blllel, Ihl reportld ani lVIII, oplnlonl Ind oonclllllonl worl dmlopad, and
Ihll'rlvllw hll beln preplrld, In oonfolmlty wllh Iho rlqlllrlmlnll of Ihl Oodl 01 Prolllllonal 61hl0l and Blandardl of Ihl
Pro'..llonal Apprallll Praollce ollho Apprallllln81111110,
I OIrlll}' Ihal Ihlllll ollhll rlvllw II 11111/10110 tho rlqlllrlmlntl 01 tho Apprlllll Inlllllllo rllallno 10 rlvllw by "I dilly
alllhorllld rlprmnlatlm,
(9)
(1~)
AI of Iho dall of thll rlvlow, I, thl IIndlrslgnld rovlower, have
edlloatlon program ollho Appralllllnllllllto,
oomplltld INI reqlllromlnls of Ihl oontlnlllng
~ LlJi[ 71
8Ignatllrel.._..-=-__ ' ..,____--=_._____,___,___
Nama -t~'IDIUL_IAIYYI~'ldIMJI!i'L_~__.. __.._
Oalo Slgnld: _,rllbwuv a~L-!UL_
81ale Oortlfloatlon I: cu.-OOOlUS-:/' ____ 81al. ' RA-
or Stele L1cln..,: ~Wlll-A________jlll!__PA_
' EKplral,lon Oal. of O"llflcltlon or L1CI~": -i/_ULn
.\, ~.-...
" ,
DEFINITION OF MARKBT VALUBl Thu mUI\pru~~bla prloa whloh~ praparly Ihauld bring In a oampaUUva and
opun markot undor ull oonqlUanl ruqulllto ta 0 lair aala, Iho buyor and lollor,uoh ooUng prudonlly, knowlodgoably
~nd ~uumlng Ihaprlqo la nol alluolod by unduo tUmulul, Impllolt 10 Ihll dallnltlan ,II Iho oanlummallon 01 a tala
aa 01 a lpaolllod dUlo and Iha pattllng 01"1110 Irom tullor 10 buyor undor oandlUon'1 whataby: (I) buyor and IOlIur
nto Wploally mollva,tud: (a) bolh parUoa aio wall Inlormod or Wall advllad, and Uloh aollng In whal ho oonlldorl hll
own bU,11 InlerUlt: (3) 0 rUOlonnblo Umn II allowod for o~poluro In Iho opon markot: (41 paymanl II modo In larlnt
01 o~.h In U,&, dollara or, In larma 01 IInonolal arrangomanlt oomparabla thurato: and (8) Iho, ptloo roprUlonl1 Iha
normal oonlldoraUon lor Iho propolly laid ul1~lIoolad by Ipoalnl or aroallvo IInanolng or aalol oanoanlona' granlad
by onyonilulOolalud wllh Iho aulo,
'^dIUllmont. tu tho qomparablGl mual bo modo lor apoalal or oruallva IIMnolng or tala I oonollnlona, No udlUllmontl
ora naooltary lor Ihoto 00111 whloh 010 normally paid by IOlIa,. 01 a rOlull 01 Iradlllon or law In a markolaraa:
IhulO 00111 aro ruadlly Idunllllablo liMo tho lollar pay I Ihue 00111 In Virtually all tala I IranlOollonl, Bpoolul or
oroallvo IInanolng, adjullmontl 'oan bo, modo 10 Iho oomporoblo prgparw, by oomparllo", 10 IInanolng larml ollarad
by"a Ihlrd parly IntUMlonal londar Ihal II nOI alruadylnvolvod In Iho proporly or Iranlnollon, Any adJualmant
thauld nOI bo oalgUlalod on a moohonloal dollar lor dollar 0011 01 Iho IInanolng or oonoanlonl bUI Iho dollar
amounl 01 any adJullmonl Ihould appro~lmnlu Iho markot'l raao'lIon to Iho IInanolng or oonoanlonl bOlod on Iha
oppra,lallt'tjudomonl, '
STATEMENT OF LIMI'T'ING OONDITIONS AND ApPRAiSeR'S OBRTIFIOATION
CONtlNQENT AN,I) LIMITING OONDITIONSt Tho appreller'l CQrlllloallo~ thul appearlln Ihe apprallel roporl
II IUhjoollo Iha 101l0wlng oondlllonl;
,
I, Tho appr'l~ar will not bo rOlponllblo lor mallarl 01 a logal nalura Ihal 011001 ollhar Iho ptoporty baing appro laud
or Iho 11110 10, II, Tho epprallor al8umOI Ihol Iho 11110 II good and markolablo and, Ihoroloro, will nOI'rondor any
oplnlonl aboulthollUo, Tho propolly II opprollod on Iho baell 0111 bolng undor rOlponllbla ownorlhlp,
2, Tho appral..r hOI provldod a Ikotoh In tho apprallUl roport 10 Ihow approxlmalo dlmonllonl of tho Improvamantl
nod Iho IkOlohl1 1I\0ludod onlY ,10 aullt Iho roadar 01 Iha roporlln vlluullzlng Iho proporty and undamandlng Ihe
oppraller'l dOlarmlnallon ollie elzo,
3, The apprallOr hal axamlnod Iha available Iload mapa that are, provldod by the Fodoral Ematganoy Managemont
Agonoy (or olhar dale lourooel and hal notapln the' apprall.! roporl wholher"lho lubleol 1110 II looalad In an
Idontlllod &poqlol FlOOd Hazard Aroa, eooaueo tho epprallor II nol a lurvoyor, ho or Iha makol no guatnnlaol,
oxMalD or Impllod,rugardlng thle dotormlnotlon,
~, Tho apprallllr will nO,lglvo loetlmony or appaar In oourl, baoaulo ho or ~ha made an ,apprallol ollho praparty In
quu~'lan, uole"'IPoolllo imangomonla to do lohl\va baan modo balorahond,
ij, Tho apprallar' hal olllmalod the volua 01 the land In the 0011 approaoh al III, hlgha" and boll Ule and Iho
Improvon\onll II IhelroonlrlbulOrY valuo, Tho Ie parole valua,tlonl 01 Iho land and Improvamonll mUlt nol bo
UI,od In oonJunollon wllh any olho.l opprallal and are Invalid II Ihayaro 10 Ulod,
6, The opprlillor hOI notod In Iha apprallUl raporlany advorle oandlllonl (Iuoh ai, nlladod repaltl, dapreolatlon, tho
prolonoo 01 hezardouI wallol, loxlc ,Ubllonool, 010,) oblorVlld during Iho 10lpoollon 01 tHo lubjaol proparty or Ihol
he or Iho beoamo aworo 01 during Iho normal rOlaurqh Involvad In porlormlng tho opprollOL Unloll ,olhorwllU Itated
In Iha appraleal roport, Iho opprolaor hOI no knowladga 01 any hlddon or "unapparent oondlllonl 01 Iha proparlY or
'ndvorlU onvlronmonlal oondlllonl (Including Iho prll.noo 01 hazorduul Wallll, loxlo lubllonoll, 0\0,) Ihal would
moko ilIa proporly mora or lOll voluablo, a~d hOl alDumod Ihal Ihoro aro' no 100h oondlllonl 'nod makaa no
guaronl801 or warranllol, a~prol." or Impllad, ragardlng Iha ooncllllon 01 Iho proporly, TheopprallUr Will nol bo
IUlponllbla lor any luohoondlllonl Ihat do ,oxlll or lor any onglnllorlng or lOlling t~Ptmlght ba roqulrad 10 dlloovor
whUlhnr ,uoh oondlllonl axial. aooaulo Iho approllor II not an, oxport ,In tho f101d of anvlronmonlal hazarpI, Iha
opprallal,laporl mUll nOI bo ooneldorod 01 an onvlronmonlol ollolDmonl Ollho propally,
7, The opptalaar oblalnod tho Informallo~, olllmatol, and oplnlonl Ihll wore oxprollad In Iho apPtl\lul toporl Irom
Bouroll. I~al ha orlho oonlldorl to bo rollablo and bollavel tham 10 bO'lruo and oorraol, Tho apprulur doal nol
alDuma rOlpanllblllty lor Iho aOQurooy 01 luoh 110011 Ihat woro lurnllhad by olhor palll",
6, T,ho aflpralaor will not dllololU Iha QOnlnnl1 01 Iho npprall8l toporl nxoepl 01 provldod lor In Iho Unllorm
,Btnndnrdl dl PrdlolDlonnl Appraleol Frnelloo,
g,Tho appral.or hill,bolUd hll or her appralaal reporl 'and 'valuallon 0009luelon for an appralaal,lhatll IUbJaollo
10Ullaotory oomplotlon,ropalte, orallornllonl onlha aalumpllan thai oomploUonof Ihe Improvamanla will ba
purlormod In 0 workmanlike monnor,
10, Tl10 IPprellOr muel provlda hll or hor prior wrlllon oonlonl baloro Iho londer/ollanl Ipaolllodln IhoopprallOl
roporl oen dlllrlbute Iho apprOl101 ropoll (Inolu,dlng oonolullon8 aboUI ,Iho ,proporly valua, Iha epprollor'l Idenllly
'nnd prololllonal dRII~lIullona, nnd rolurun901 10 any proloulonal apprallol organlzollonl or Iho Urm wllh whloh ,Ihe
IIPprallurl1 ellOQlalod) 10 onyonO othor Ihan Iho bor,towot; tho morlgageo or III I,uoooleorl and alllgnl: Iho morlgogo
Iheuror; oO~lullonll; proloulonol apprallol otganl:allonll ony Itata or lodorolly a~Plovod IInonolal InllllUllon: or any
t1l1parlmonl,agoMy, or Inlllum,enlollly 01, Iho Unllod BtalUl or anYllalo or tho,IOlelrlol of Oolumbla: OKOOpt Ihal,1
Ihll londol/ollonl' mny IIle\llbulo Iho proporly delorlpllon aoollon 01 Iho roport ollly 10 dolo oolloollon or reporllng
IlIrvloo(e) wlthoul having 10 obloln Iho opprollUr'e prior wrlnon eonlonl, Tho opprolaur" wrlllon oonlon\ and'
npproval mUll alia bo obtolnod boloro thu oppraleal oan bo oonvllyod by nnvone,to Iho publlo through allvorUlln~,
pUbllo rolallana, n"wI, salol; or olhor madia, ,
rf~i1i1lo Mao Form 4B9 6.93
Pogo 1 012
Fennlo MaaFolm 10040 0'9B
DEFINITION OF MARKET VAI..UEI Thu m081 probablo prlOO whloh 0 propolly 8hould bring In 0 oompollllvo and
QPOO morkol undur 011 oondlllo08 roqul&lIo 10 0 fair 8010, IIw buyor and 801l0r, oooh oollng prudonllY, knowludguobly
ond ol¨ng Iho prlao 1& nol olloolud by unduo 8l1mulul, Implloll In Ihll'dollnlllon II Iho ooolummollun 01 0 1010
o. 01 0 8poalllod dolo ood Ihu pOl&lno of IIl1u Irom 801l0r 10 buyor undor oondlllonl whoroby: (1) buyor and .ollor
oru Iyploolly mollvlllUd: (2) bolh POrll08 oru wolllnlormod or wolI odvl80d, and oooh oollno In whol ho 00081dore hl8
own boat 1010r0811(31 0 runlonoblo IImll II ollowod lor O~POlUlo In tho opun morkul: (4) poymun' 1,8 modo In lorml
01 oooh 10 U,9, dollnra or ,In 10rmB 01 IInonolol orrongomon" oompnroblo Ihorolo: nnd (6) Iho prloo rupr080nll Iho
nor mol oon81durpllon lor Iho proporiy lold unolloolod by Ipuolol or oronllvo lInnoolog or 10108 001\001&Ion8' gronlod
by anyono o88ooln,lud wllh Iho lolu,
'Adjullmonl8 10 Iho oompornbl08 mUll hll modo lor 8poolnl or oronllvo IInonolng or 80101 oonoo88lool, No odlullmilllll
oru nOoo88.ry lor Ihoao 00111 whloh om normolly paid by lollore 01 0 rOlull 01 lrodlllon or low In 0 morkol oruo:
IImlo 008" ora roodlly Idunlllloblo 81nOll Iho loll,ur pOYI IIIUIO ooat8 In vlrluolly 011. 10101 Iran80ollonl, 8poolol or
oroollvo'lInanolng odl\lllmonll onn bo Illodu 10 Iho oompnroblo proporly by oomporllool 10 IInooolng lorml ollarod
by 0 Ihlrd pallY In811hlllohol londnr !hol I. nol ahoody Illvolvpd 10 Iho propolly or !ronuollon, Any ndlullmon!
Ihould nol ba ooloulnlod on 0 moohonlool dollar lor dollar, 0011 of Ihu IInanolng or oonoo88lon. but Iho dollar
omounl '01 any adlu&lmunl &hould upproxlmolll Iho morkol'& roaolloll 10 Iho IInonolhg at oonoo..lon. bond on Iho
opprollor'l judgmonl,
STATEMENT OF I..IMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGBNT.AND I..IMITING CONDITIONe I Tho opproleur'.qorlllloollon Ihal appomlo Iho approllll roport
1& eubloollo Iho following oondlllonl:
1, Tho apprallot will nol do rOlponllblo for rnollore of 0 logol nalllro Iholallool ollhor Iho propullY baing opprollod
or Iho 11110 10 II, Tho opprnllor OIlU01U& Ihol Iho 11\10 II good ond morknloblo ood, IhOroforo, will nol rundor any
opinion I obo~llho 11110, Thu propurlY I~ opproleod on Iho ba.11 0111 baing ~odur rOlponllblo ownorlhlp:
2, Tho opprallor hn& provldod 0 Ikoloh 10 Ihu opprol801 roporllo ehow opproxlmalo dlman.lool of Iho ImprovamenlB
ond Iho Ikoloh Ie Inol~dod only 10 nlll&llho roodor of Iho roparl In vlluoll~lng Iho proportY and undorelondlng Ihe
opprallor'l dolormlnnllon 01111 &I~o, '
,~, Tho opprallur hn& oxomlnod Iho ovolloblo 1I00d mapl Ihal ora plovldod by iho Fodorol Bmurgonoy Manogomont
Agonoy (or olhor dola lourooe) and hOI naiad In Iho approleol ropoll whulhor Iho 8Ubjeol Ilia 1I,IooOled 10 on
I/Iuallllp\! Spoolol FlOod HUard Aruo, SOOOUIO Iho opprollor II nol Q &urvuyor, ho or eho mokol no guoronlool,
oxproll or Impllud,. rognrdlng Ihll dolurmlnollon,
4, Tho oppraleor will nol glvu lolllmony or oppoor In oourt boooulo hu or .ho modo an app/ollll oflho proporty In
quu'lIon, unloll Ipoolllo orrongumunl& 10 do 10 hovo boan modo boforohand,
6, Tho appral.ar hoe olllmolod Iho voluoof Iho land In Iho 00.1 approooh, 01 lie hlgholt and boll UIO and Iha
Improvumonll 01, Iholr oonlrlbulory voluo, Tho &oporalo voluallon. of Iho land and Improvomonll mUll nOI bo
u&ud In oonlunollon wllh any Olhur approleolond oru Invalid II Ihoy ora 10 Ulod,
" ,
6, Tho oppral80r h08'nolud In,lha approllol raparl ony odvoflo oondlllonl(luoh 08, noodod rOPalre, doproolollon, Iha
prolonoo al.hazordoue W0810e, lOXia IUb&lonool, 010,) ob.or~od during Iho In8puollon of Iho lubloOI propllrty or Ihol
hd or Iho booomo oworQ 01 dUrlng'lho normol rOlooroh Involvod In porformlng Ihu opprollal, Union olhorwllo .Ialod
In Iho npprollal ropoll, Iho QPp/nllor hOI 00 knowlodgo of any hlddon or unopporonl oondltlon. oflho proporty or
odvoreo onvlronmonlnl nondlllonl (Inoludlog Iho, proloooo of haurdou. WaB108, loxlo lubeloooo., 010,) Ihal Would
moko Iho propoily moru or 1010 vnluoblo, ond hOI auumeet Ihol Ihoro ora no .uoh oondlllon. and mokol no
glllHonlool or worrnnllo&, oxprlln ,or Impllod, rugordlng Iha oondlllon of Iho proporty, Tho apprallor will nol bo
IUepnnllblp for ony luoh oondlllonl Ihol do oxlel or fot Qny unolnoorlng orloellng Ihol mlghl bo roqulrod 10, dl~oover
wholhor luoh oondlllo08 01101. Saooulu Iho opprol.or II nOI on oxporl In Ihollald 01 unvlronmQnlal hazardl, Iho
QPprollnl 10POrl,mullnol bo ooneldorod n& nn onvl/Ilnmoolal ollonmont ollho propolly,
7, ,Tho opprol.or oblnloud Iho Inlormolloo, o.lImolU8, nn~, oplnlonl Ihol woro oxpro88od Inlho approllll roport from
.. 80UrOOl Iho\.ho or 8ho oon&ldor& 10 bu rulloblo' ond bQlloVOI Ihom 10 bo Iruo und oorrool, Tho approlur doal nol
08&UmU ro.pon8lblllly forlho ooourooy 01 8uoh lIuml Ihol woro lurnlehod by olhor partial,
0, Tho nppral.or will nol dl801000 Iho oon!onll 01 Iho nppralnl rOpOrl nxoop! 08 provldad Iqr In Iho Uniform
Blondnrdl 01 Prolo0510nol App/ollol Prnolloo,
0, Thu opprol80r hn. boaqd hie or horapprollnl roport and voluallon oonolu810n lor an appralaul Ihal II 8ubleol to
&nlllfaolorY' oomplullon, rapnlre,or 01l0rollon8 on Iho ollumpllon Ihol oomplollon of Iho Improvomonl5 will bo
pl/llormud In 0 workrnonllku monnol,
10, Thu aPprol.ur mU81 praVldu hie or hor prior wrlllon oonlool boloro thu londor/ollonl 8poolllod Inlho npprol.al
ruporl Don dl81rlbulo IIw opprolul roporl (Inoludlng oooolullonl oboul Iho propo/ly valuo, Iho opplallor'e Idenllty
ohd profoUlonol dO&lgnnllonl, ond rulurunool 10 any prolu~.lonol oppraleol orgonlzallonl or ,Iho IIrm wllh whloh Iho
.. opprol.or II auoolnllld) 10 nnyOno olhor Ihnn Iho borrowor: Ihu morlgogoo or III IUOOU880fl ond oulgnl; Ihu mOrlgo~o
Inaumr; oonlullonll; [lrolo&&lollol opprnl&nl orgonlzullooe: any &1010 at lodurolly opprovod f1nanolol Inlll\ullon; or ony
d"~orlmonl,'agnnoy, or Inltrumonlollly of Iho Unllod 810luI or any Ilnlu or Iho DI81rlol 01 Oolumblo; oxoopl Ihat
11111 lundor/ollont /nny dlllrlb\lln Iho propnrly dUlorlplloo 1001l0n 01 thu roport only 10 data oolloollon'or roportlnG
aurvla"(a) Without hOVing' 10 obloln Ihu opprnl8Ur'e prior wrllloo oonaunl. Tho opprallor'l Wrlllun ooneool, ,Qnd
opptovol mU81 oleo bn oblnlnod bolola Ihu opprol.el oon bo oonvoynd by nnyono to Iho publlo Ihrough advorll.lng, ,
publlo rolollonl, nowl, 10108, or olhor modln,
flnrllllo Mao Form 439 6.93
Page 1 01 2
Finnie Mae FOlml004B 6'93
. File No, P8"0158
APPRAI8I!R'~ CERTIFICATION; Tho ApprqlletQottlllol ond ogreellhol:
j, I havo relOorohod Ihu aubluol morkol oreo ond hove leloolod o minimum 01 Ihroo rooonl 10101 01 ~roporllol mal'
Ilmllor ond prOKlmolo 10 Iho lublool proporly lor oonlldorollon In Ihu IAloloomporllon enolYll1 end hove modo ,0
dollar, odjullmonl whon opproprlolo 10 rollool IhumArkul rooollon 10 111010 110011 01 Ilgnllloanl vorlallon, If 0
Ilgollloonl lIem In ,0 oomporablo propurlY II luporlot 10, or moro 10vuro~lo Ihon, Iho lublool proporly, I hovo modo
, 0 nOll,otlvo adJullmonl 10 roduoo Iho odlullod 11\101 prlou 01 Iho oomporoblo And, II A Ilgnllloonlllom In. oomp.roblD
propotlY II Inlorlorlo, or 1081 lovoroblu tilon Iho IUbloal proporly, I hovo modO 0 pOllllvo .dlUllmonl 10 InoroOlo Iho
ndlullod 1,010' prloo ollho oomporoblo, ,
a, I hovo lokon Inlo oonlldorollon Iho fAolor, Ihol havo no 1m pool on vnluo In my dovolopmonl 01 Ihe elllmolo 01
morkol voluo In 1110 opprollol rOPOrl. I hovo nol knowingly wllhhold ony Ilgnllloonl Inlormollon Irom Iheppprollol
rupott ond 1 bolluvu, 10 Iho ball 01 my ,knoWIUdgo, Ihol 011 Ilolomonll ond Informollon In Iho opprollol roporl ora
IB'o and oorroo,l,
a, I Ilolud In Iho npprollol roporl only my 'own 'puraonol, unblolud, and prolulllonol anolYIII, oplnlonl, and
oonolullonl, whloh ora 1"bloOI only 10 Iho oorillngont ond IImlllng oondlllonl Ipoolllod In Ihll lorm,
4, I hovo no prolonl or prolpoollvo Inlorol' In Iho propotty Iholll Iho luhloollo Ihll reporl, and 1 hovo no prolunl'
or prolpuollvu porlonol Inloro8\ or biOI wllh rOlpool 10 Iho porllolponll In Iho Itonlaollon, I did nOI balU, ullhor
pnrllnlly or oomplnloly, my onolYll1 and/or Iho 011101010 01 markol voluo In lho opprollal roporl on Ihu rucil, oolor,
rollglon, ~o~,' hondlcnp, 'fomlllol alalul, or nollonol origin of Ollhor Iho proapocllvo cwnorl or oooupanll 01 Iho aubluol
propolly cr ollho prolan I ownora oroooupnnll of Iho prcporlloa In lho vlolnlly ollho aub!oot proporly,
6, I hove no prolonl ,cr oonlomplolod fUluro Inlorull In Iho aubloOt proporly, and nullhor my ourronl or fuluro
omploymont nor my oomponlol/on lor porlormlng Ihll approl801 II ocnllogonl on Iho opprolUd voluo of Ihu proporly,
6, I wnl nOI roqulrod to roporl a prodolormlnod voluo or dlroollon In voluo Ihol lavorl Iho OOUIO of Ihu ollonl pr
ony rololod porly, Iho ,amounl of tho voluo oal/molu, Iho ollolnmonl of 0 Ipoolllo roaull, or Iho ooourrunou' 01 a
aubaoquenl uvOOI In ordor 10 rooolvo my componlollon and/or omploymunl for porformlng tho approllOl, I ,did nPI
I>oao Iho oppralaol ropott on 0 roquoltod minimum voluotlon, 0 Ipoolllo valuallon" or Iho nood 10 approvu a IpoolllO
morlgogo loon,
7,1 porlormud Ihl~ approllol In oonlormlly wllh Iho Uniform e,andord& 01 Prolo88lonol Approllol Praollou Ihal wuro
odoPlod and promulgalod I>y Iho Approllol Blondordl Soard 01 Tho Appralaal Foundation ond Ihol wuro In placu na
01 Iho olloollvo doto 01 Ihla opprallol, wlthlho OKooptlon 01 tho doparluro provlllon of tho&O, elondordl, whloh dou
nOI apply, I ocknowlodgo Ihol on 0&1101010 01 0 rooaonablo 11010 for oxpoauro In lho opon markol la 0 oondlllon In
Iho dollnlllon 01 morkol vnluo and Iho 011101010 I dovolopod la oonalalonl Wllh Iho morkollng 11010 nOlud In Ihu
nolghborhood aObllon of Ihll rOpOrl, unlol8 I hovo olherwlao &tolod In Iho rooonolllollon 100110.0,
6, I hnvo porlonolly Inopoolod Iho Inlorlor ond oxlorlor alaal 01 Iho aublool proporly and Ihu uKlurlor 01 all propertlu
1I110d oa oomporoblol In Iho opprollol rupoil. I furthor ourllly Ihol I havo nolod any apporont or known advurlo
oondlllonl In Iho aublool Improvomonta, On Iho aUbluolallo, or on any allo wllhln Iho Immodlolo vlolnl,ly of Ihu
aublool propotty of whloh I om awaro and hovo modu adJu81mOnl. lor Iholo odvorao condlllcna In my analv&11 01
Iho proporlY voluo 10 Iho oKlonl,lhal I hod morkol avldonoo 10 aupporl Ihom, I hovo alao commonlud abou! Ihu
allool of Iho advot80 oondllloOI on Ihu morkolablllly oflho aublool proporty,
9, I poraonally propnrod 011 oooolullon' and opllllona aboul Iho rool 081010 Ihol WOto 101 lorlh In Iho apprallOl ruporl,
II I rollodon Ilgollloonl proloaaloool oaalolanoo from any Individual or Indlvlduola In tho potlcrmoMu, ,01 Ihu
oPptol~ol or Ihu prapornl/on,ol Iho opprnlaol roporl, 1 hove namud aijoh Indlvlduol(&) and dllOlo'od Iho apuolllc tuka
potfcrmod by Ihom In Iho roconolllollon auollon 01 Ihll apprallol roporl. I Dorllly Ihol any Individual ao ,nomod la
qUallllud to porlcrm Iho' loakl, I, havo 001 oUlhorlzod onyono 10 mako 0 ohongo 10' any 110m In Iha, roporl; Ihurolcro,
II on uooulhorlzod ohoogo la modo 10 Iho npprolaol roporl, I, wl/lloko norolponllblllly for II,
SUPERVISORY APPRAISE,R'SCERTIFICA TION III 0 luporvllory approllorllgnod tho o~prol..1 ropcrl, he orlhu
oorllllol nnd ollroullhot: I dhoolly auporvlao Iho opprollor who proparod thu approlaol ropcrl, hovo rovlawod Ihu apprallal
roporl, ogroo wllh tho alolomonla and oonoluolool of Iha approllor, ogroo 10 bo ,bound by Iho opptollar'l ourlllloollonl
numborod 4 Ihrough 7 obovo, and am laking full roaponllbllllY for tho opprollal and Iho opprollo' ruporl,
ADDRESS OF PROPERTY APPRAISED I _209 WOUI Bddg8 Road
APP'RAISER~ ~.j, \ ' , , SUPS, RVI~R~~~~ rOq:ud):~
SIOnaltll;::::-\~~__~~\~_.___ Slonllul8: _. '- ,_ ,"2
Namo, o;~ ellOWRtllolmi< "" _ Naml: _!!~m~!iJ!j ..AlUUITTL!!RA, SJUlA___
DIll slolliiil: _B'e~~~~~y~g-1~~)f~9=~:~~=-=::=.:::: Oala Slgnld: ~J!!!.'<!!!E'y~,gl,_.!~08 , '~_
81ala OorUllolllon', RL-001S'12"L '_,___,_ Slall OOllllloa\lOO': .._,gA-OQQ!@8"L___
0181alo L10lnaa I: ,.. n_:~:~~_::~~. ,::--. __...u or Sllll Lloonao Ii ____~~Og69gk~__'__.._
::~III:;\lon N~, 01 cOiiiiloalloll 01 Lloon8e:-j7.1QiiT--,u~n:::: :~I'::1I0n oa~o~,ooriiiicailO;; Dr L1oon.e;'"'".W,07u--'-
[.A10Id [::)Old Nollnsplol Propotly
Froddlo Mlo Form 43.g 0.03
Plgo a 01 a
Fannll Mao Form 10048 8.03
t;lllfU(1 w tl~fHII1I'"~I' ,I,lu 1"'1 ~n l.!i~lli
.
,1 u no 22, WOO
Tho HOI\or/lblo Ooorgo JU, Hoff 01', Jlldgo
Cumborland CClllllty 0(Jul'thoU80
, Cnrllalo, PA 170lB '
M .1, Shonk
220 Rono Avonuo
Now Ollm\iol'lund,PA 17070
717.774.4087
"Rr::: ~~.tI..
,,~ /9"7-00"10
Your Honor:
1 have oxhauatod alll'oullonable efforts, per YOUI' HOI\OI"a InstL'uotlon, to ensuro the
appearanoe of Mrs. Sonrl'o88 lit tho hoal'lng to b,o held In your OO\II't on Juno 28111,1000, To
the,best of my knowledge, sho romalna unable to appenr duo to III health,
lporsonlllly dellvoj'ed hOl' 10ttOl' to you In this rogfll'd, Plellso be nS~UI'ed, that I 11m
hot, In anyway, "attempting to repl'esent" hOl'usn Lawyel' would, I do howevor, hnve
personal and first hnndknowledge of the "tL'ansnotlon" ii, dlsputo , ovldenco that the Court
should be apprised of ooncornlng It, and a roolplont of Mr, Bm'nhart's asanult in the oourso
Of attomptlng to "show" the pl'opel'ty in question to u Pl'ospootive land devolopel'. Attorney
,11m Flower WIIS given this InfQrmutlon hnmedlately followIng the Ineldent,
I am u Credltol'of the Campbell Estate In my own right, nnd wish to give testimony
"to the Court rogurding MI', Bal'nhm't's I\ctlolls In Obstl'uctil'g tho l'lghtflllslllo of the
property ,the satlsfnctlon of l'ightful debts bf the Estnto, and attomptedfl'nudulont actions,
Shortly nftel' hor Mothol"S doath, MI'Il. Searfoss n,8kod me nogotlate bUllh\ellll .
m!ltt~l'll with regard to the Eiltate. In hel' stond, !Ill Ilhe Is unable to "doal" with Mr,
B!lrnhal'td11e to hill provious hostlltJ notions towlll'd hel' subsoquent to Ml'S, Campbell's
demlsQ, Il\lao foollnol'ally bound to ,see justloedone, born of a tl'ue fondnoss fOl' ,hOl'
mother, .Jesslo, She mny havo not boon nblo to rend 01' wl'ite, but she Wits qulok witted,
intelllg'ent, and a loving II\0thol' who was protootlve of hOl' daughter,
1 would beg YOUI' Honol"sindu\gonce for mo to oonvoyto the Court M.'s, Sel\rfo8s'
wishes, as having beon glvon hor POwol' of nttol'noy, ~ concornlng hOl' MothOl"a l<Jstute !IS
though she wel'O .ablo to bo presont, hOI'aolf, Perhnps YOUI' HOIlOI' would Itccapttho
"augtnont" of a SWOI'n Affjdnvlt, on pOI'tlnent\ssuoS fl'om MI'S, SOlll'foss, to bo prosontod at
the honl'lng, to uddl'os8 dlt'oot!y, Attorlloy Ht'oujos' Ilnd MI', Bnl'l1hnt't's COIlCOl'na,
Hespootfully Submitted,
.~~
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AFFIDAVIT OF GIFT
11 '-t ~)z..D
IN8TRUOTION81 Itll' IOll1llllllSIIIIIl:OIlIIl1nlnrf lIy 01111"".11111101 And l'Anll"o," And Atlft(lhtd 10' 0'10 MV , 01
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"vel, ld.ntllV Ihe partie. and rolntlOnallll1 tho II"~n"hl",'iIlflj!'''I/,'''''''INo'W..~ilII, '."'~'''''II"", '\'1\;\ ~\l \< \ (I ().\ \' ~'\\ f' (
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WARNING,
I'AL8'I'IOATION 01' THIS AFPIDAVIT OOULD RS8UL TIN ORIMINAL PR08SCUTION AND THI
RIIVOCATlON OF YOUR DRIVING PRIVILEGIIB 'OR A PIIRIOD Of' ONI VSAR
Ih. \in_lit,," ~.n""ur('1 h"'_Y d..l"ee., und" ",n.lly.' ,"IUIY Ih.I ~w. hov. 'MwH nelhln,.. ytMtIlI!"lly.. ,
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which hft..tho addrcII of '111'I't~9.~.,HRhf'~'~j~P.9.',.~H!W""""'"III'I""'",.,.. , """",P.~~h~~lt'~"j"""j""""" t
1"''''1 ICIIYI
Pennsylvania "",J,7.Q,\~,,,,,,,,,,,,,,,,..,,.... ("Property ^ddre~I")1
I~Ip Ced.1
TOOIlTHlll\ WITH all tho Improvomontsno\Y or horeaftor erectod on tho property, and all enoments, appurtenanoes,
arid nxtures now Dr hereafter. a part of the property, All replaoements and addltlona shall also be covered by this Security
Inatrument, All of the foregolns la referred to In this SC\1urlty Instrument as the "Property,"
BOAAOWBR COVIlNANTS thaI Borrower la lawfullY seised of the estate hereby Convoyed and has the right to ",ortsase,
grant and convey t/ie Property and that the Property Is unoncumbered, except for oncum~rancel ofrC\1ord, Borrower wamnta
and '1'11I defend aonerally the tltlo to the Property against all cla,lms and domanda,aubJoctto any encumbranoeS of rooord.
THIS SIlCUIUTY INSTRUMENT comblnos uniform covenanLl fot national use and non-uniform CO\1onantl wltllllmlted
variations by Jurlsdlollon to COnstltuto a uniform seourlty Instt\lment covering roal property,
UNIFORM COVilNANTS, !!orrowor and J.cndor covenant arid agroo aa followa: , ' , '
1, . Pa)'111anl ot Prlnclpalandlntareal' Prepaymenland Lale Chal'l1ea. Borrower ahallpromptly ply when duo
the principal of andlnlerest on tho debt evldonoedby the Note and any prepaymont and late charges duoundor tho Noto.
2, ',und! for raxel and Inaur, ance, SubJC\1t to apPl,lcable law or to a written waiver b,y J.cnderi Borrower s,h, all
pay to J.cnder on the day monthly paymenls are duo under tho NOlC, unUl tho Nolo Is paid In full, a aum ("Funds") for:
(a) yearlY',ta Koa,and usesamenls whloh may attain prlo, rlty oVer this Security Instrument aa a lion on tho Property I (b) YU,' r',y
louohold payments or ground ,rOml on tho Property,lt AllYl (c) yearly hazard o~property InsUrance,prcmlunlSl (d) yurly
flood Insurance premluml, If anYI (e) yearlY,mortaage lnaurlnco premiums, If any I end (0 any sums payable by Borrower
In J.cn~er, In aocordAnce with the provlalons of paragraph., In lIe,U of the paymenl ormol1gage Insurance premiums. Th~IO.
Items are oaIled "Illcrow Ilem~." J.cnder may, at any IImel colleQl and hold Fundi In an amount not to excood t/io maximum
amount a lender for. federally related mortgage loan may Itqulre for Borrowor'a eoorow'aooounl ~ndor tho federal Rul
Illtale Selllement Procedures Actor 1974 II amended from limo 10 lime, I~ U.S.C, '~601 ",tq, ("RIl$PA"), unIo"
another law that applle,s 10 the Punds I,ell a les,sor amounl. If 10, 1,0, nder may" ,al any Ilme, oollO(lt and hold PUndlln, ,an
amount notloexcecd thO 100ser amount, l.ender l11ay eltlmale the amounl of Punds dUe on the basis of cutrent dalll and
reasonable .allmatosof expenditures of IIHure Il,crow ,Items or otherwlao In accordance wIth applicable law, . "
Tho Pundt shall be held In an Instlt~lIon whose deposits are Insured b~edoral agency, Inslrumontallly, or enllly
(Inol~dlng Londor, If l.ender Is suoh an Instltullon) or In any Pederal Home, Bank, J.cnder shill awlyt/ie Punds to
pa" y ,th, 0 Ilsorow Itoms, I,onder ma,y, not ch,lrse BorrOWer tor hOl,dln, g and applylna the pu, nds, ann,UallY analyzlne tho osorOW
acc,O unt, or verlfyln,' the, SaCrow 1I0ml, unloss Lendor pays Borrower Inl,orOlt on tho PUnds and applloable law pennlts, J.cnder
10 make suoh a o,harso. However, Londor may require Borrower, to pay a ono.lime charge for an Indopendent roll ellllte
taXtepol1lng IOrvkC uIed by Lender In connection wlt/i thlsloan, Unless appllcablolaw ProvldOl otherwllO, Unless an agreement
II made or applicable law requlres'nterest to be paid, Lender shall not be required to pay Borrower any Inlellst Or ""minas
on the Pund.. B, orrower and J.cnder may ISfOO In wflllna, hO,w, evor, that Interell .hall be, pald,on th, 0 !lunds, l.endor Shall
alve \0 Borrower,wlt/iout chorgo, an annUli aooountlng of the flunth, showing crcdlll and debits to the Fundi and the purpose
for which eaoh debit to the Punds 'I'll mado, The !lunds arc pled,ed u Iddlllonalaecurlty for alllums secured by t/ils Security
Inltrumon!.
If tho Pundt held by Under e~ceed t/ie 8l\1\>1lnll pennllledtobe hold by aPfllotble law, Lender stwlllCCOllflt to Borrower
. for theeXCOII'JlUndlln accordlnce wllh t/ie requirements of appllcablo law, 1 the amount of tho Punds held by l.ender al
any lime Is not sumclenl to pay the IllcIDW lIems whon due, Lender may 10 nollfy Borrowor In writing, Ind, In such cal6
(' BOoK1332rAGE 975 ( 'onnaon tllOX (,."1;"".,,,1
Borrowor shall pay 10 Londor Iht lOunt neceNNary 10 make up the doncloncy, ~...uwor Nhall make up tho denclency In
no more than twolvo monthly paymentR, at Londor'R Rnle dlmotlon,
Upon payment In full of all NumR Recurod hy IhlR Soourlty Inllrument, Londer shall promptly rofund tn Borrower
a, ny Fundi hold hy Londor. If, under paraBrollh 21. Lendor Hhllllllcqulro or 11'1,1 tho "rOpoNY" Londer, prlo, r 10 Ihe acquillllon
or ull ar tho Propony, shall apply any Funds hold hy l.ondor al tho time of acquisition or ulo aR a orodU aBalnRI the lums
locurod by thll Socurlty Inllrument,
3, t\pplloallan of Payment.. UnioNs appllcabla law provldUlllhcrwlRo, all paymonts recolvod by Londcr under
para8r1phl I and 2 ,hili bo appllld: Orat, to any prapaymant qharBos due under tho Note; 1lel)0nd,Io amoun\1 paYablo undor
paraaraph 21 third, to Interoll duel foul1h, to principal dUOI and lilt, to Iny lata oharaos dUI ,undor 'tho Nolo, '
... Charl"l LltlU, Borrowor shall Pay all ta~os, mOllmenll, chara08, nnol and ImpoIUlons allrlbutable loithe
Propot1y which may at\Rln priority ovor this SocurllY Instrumant, and loaaohold paymonts or around ronts, If any, Boriowor
shall pay thoso ,obllaatlonsln Iha mannor provldad In parasraph 2, or If not paid In thai mannor, Borrowor shall pay them
on limo dlroclly to the porson owed paymont. BorroWar shall ptomptly furnish to Londor all nollc08 of amounts to be paid
undor this parasraph, If BolTOwer makos tholO paymenl8 directly, Borrower ,hall promptly fuml8h to Londer receipts ovlde~lnB
. tho paymOn\8, " '
lIorrowor shall promplly dlsoharae any 1\an Which haR prlorltyovor this SecurllY Instrumont unlO5lBorrower: (a)
aaroosln wrlllnB 10 the paymenl of tho obllaatlon socured by tho lion In a mannar accaptabla to Londor; (b) conlastsln SoOO
faith tho 1\on by, or dafandssBalnsl anforcomonl of tho lion In, loaal prO(codlnsswhlch ,In tho Londar's opinion oporate to
prevent the enforcoment of thlllan; or (c) seourll from Iho holdor of the lien an asrC1lmonlsatlsfaclol')' ,to ,Londor luhor.
dlnatlnS tho lion to thll ~urlly Ins,rumont. If Londar detormlnaa thai any pal1 of thoptl1(l1lny Is subject to a lion Which
may attiln priority over thll Soeurlty Instrumont, Lemlar may give Borrower a nOllee Identifying the lion, Borrower Ihsll
satisfy the lien or lake one or more of the actions sel foNh ahove within 10 days of tho slvlns of notloe,
S. HllZftrd or PropoNy Insurance, Borrowar shall keep tho Improvements now e~lslln~ or horeallor orected on
Iho PrO(lllNy Insured aaalnlt 1011 by Oro, hazards Inoludod wllhln the tenn "extendod OOVe~aBO' and any olhor hazards,
Inoludlns noods or noodlns. for which ,Londor roqulra8 Insurancc, This Insuranoo shall be malntalnad In Ihe amounls snd
for thl (lIlrlods t/1al Londor requlras" The Insuranoa carrlcl' prOViding the Insurance shall be ehoaon by Borrower subJeol to
Londer's approval which shall not be unraasonably wllhhald, If Borrowor fslla to maintain coveraBO described ahovc, Londor
msy, at Londer's option, oblaln coveraso to proteot Londer'l rights In tho Pro(lllNy In acoordanoe \vlth paraaraph 7,
A1llnsuranol pollcl.,lnd renowals ahall be acceptable tnLonder and shalllneludo a slandard monsaso olauso, Londer
aha II havo tho rlsht to hold tho pollclos and ronowals, If l..endar raqulres, Borrower Nhall promptlyslva,tn Londer all recolpts
of paid premiums and re'newal nollces, In thc event of IONN, Bnrrower shall alvo prompt notlco to tho Insuranca carrier and
,Londor, Lender may makc proof of loss If not, madc promptly by Borrowor,
, Unlell Londer and Borrower othorwlNa agron In writing, Insuranco procacds 8hall be appllad to reslotlUlon or repair
'of the Property damaaed, If tho rostoratlon or repair Is oconomlcally feasible and Londer's 8ecurlly Is nOllallcncd, If Ihe
rostoratlon or repslr Is not economically foaslblo ,or Londar's security would bo lossaned: Iho Inlurance procccd8 shall be
applied 10 tho sums IOCUre4 by this Security In8trumonl, whethor Ilr not then duo, with any e~coss paid io Borrower, If Borrower
abandons the Propony i or docs not answer within 30 days a notlco from Londar that the Insurance oarrler hl\.\ offered 10
10ttlo a elalm, thenL<lnder may colleot the Insurance procoedl, Londer may use the proceeds to repair or re8tore tho Property
or to payaums secured by thll Security (nstnlment" whethor or nOllhen dua, The 30.day porlod will bosln when the notloe
II slvln.
Union Londer and Borrowor otherwise asree In wrltlns, any applleallon of pro(C1lda 10 prlnolpal shall nOlestend
or postponO tho dUI date of the monthly payments referred 10 In parasraphs 1 and 2 or ohange tho amounl of Ihe paymentl,
If under parasraph 21 the Propeny II acqulrod by Londar, Bnrrower's rlaht 10 any Insurance pollolas and proceeds resulting'
from damago, to the Propony prior to tho acqulslllon 8hal\ pass 10 Londer 10 tho o~tent of tho sums secured by Ihll ~urllY
Instrumont Immedlalely prior to the acquisition, ' ,
',6. 'Oocupanoy, Preaervatlon, Maintenance and ProlKtlon of the PropartYI Borrower'l Loan Appllcatlonl
Leaseholds, Borrower shall occupy, establish, and use the Propony as BOlrower's principal residence within sl~t)' da)'S
after the oxocullon df this ~urllY Inslrument and Ihall continUe to O(oupy the Propony as Ilorrowar's principal residence
for at loast one year Ifler the dato of occupancy, unloss Londer othorwbc .sroos In wrltlrig, which oonsent shall not be
unrealonably withheld, or unless extenuating olroumslancos exist which are beyond Borrowor's oontro\. Borrower Ihsll not
destroy, damase or Implolr tho Pro(lllrty, allow,the Propony to doterlorate. or commll walto on the PIO(llll1y, Borrower shall
bo In default If any forflllure aollon or procecdlng, whalher civil or criminal, Is bosun that In Londar's Sond faith Judsmcnt
could rosult In fyrfel\ure of tho PropoNY or otherwlso materially Impair the lien crealcd by this Sc~urlly Instrumenl or Londer's
Security Intorest, Borrowor may curo suoh a dafault and relnRtata, as provided In parasraph 18, bY causln8 \hI acllon or
proceedlns to be dlsmlllOd wllh a rullns that, In Londcr's good faith detannlnatlon, procludos forfolture of Iha Borrowar's
Into rest In the Propony or othar matorlallmpalrmant of the lion created by this SeCUrlly Instrument or Londer's IOcurlty
Intcrell, Borrower shsll also be In dafaulllf Borrnwar, durlnglhe loan appllc~tlon procoss, save matarlally falso nr Inaccurlte
Inforl11atlon or Ilalements to,Lendar (or failed to provide Londor wltb any malarial Information) In connection wllh thc lORn
aVldenced by the Note, Includlns, bUI notllmllad 10, reprasantatlons co~ornlnf Borrowor's occupancy of Iha Propor1y 15
a flrlnelpal resldencc, Ifthl,s Security InRtrumenllN on a leaschold, Bortowar shal comply wllh all tho provisions of the le8.\e,
If Borrower, acquires fee IItlo 10 Ihe Propcny ,tho leasahold and the fC1l tllle shall not merse uniONS Londer agrecs to the
marset In writing.
7, Protecllon or lAnder IS RllihlR In the Pro(lllrty, If Borrower falli toporform tho covananls and agrcomants
conlaln,ed In thlR Securlly Inslrumont, or Ihere Is a 10Sal proceodlnglhat may ,Ignlneanlly ,rracl LonJcr'8 rights In the Propony
(such as a proceedlnB In bankruptcy, probate, for ellndamnatllln or forfallure Ilr III onfnrco laws or rcgulatlonl), Ihen Londer
may dn and pay for whalaver Is nece8sary to protect tho valuo of Iha Propetty.and Londer'8 rights In the Propeny, Londer's
PO"" 3031 tllOX (,..id"'d"....)
""\''''''''''''" n"'",
ACllunM mAY Includo puyhlK IIny lUI11M sccurud hy IIliun which hdS prourllY III or Ihl> SCCUIlIY IUlIrU/lICUI, 11111"'.111/1' III cuun,
pAylns roasnnAblo A!tornoy,' fm und onlorln8 un Iho l'rupCMy IU /lIlIku rupalrl, "lIhllU8b t.onder I11AY IlIke aclion under
Ihll 11urRamph 7; t.ondor dnol nl\1 bavo 10 du 10,
Any A,"uunll dllburlCd by t.ondor undor Ihll purnarnph 7 ShAIII"'clIIl1e addlllunal dobl uf Durmwor lecured by Ihll
Socurlly lnllrumonl. Unlo" Oorrowor and l..ondor aarco lu IIlhor lerons IIf paYloonl, IhOlO AI11UUlllllholl benr InleroM frnm
Iho dRlo uf dlMburMemelll Allhe NolO rulo And shall 110 l'Aynblo, wllh InlProsl, upun nollco frum l..ondor IU Durrower requoslln,
pAymonl,
., Mm1I1ull.lnluranu, If t.ondor rOllulred muMgAgo InlutllllCo All condlllon uf mnkhll1tho luun socured by thll
Soeurlly Inltrumonl, Dorruwor Ihlll pay Ihe promluml rellulred to mAlnlAln 1110 01llngll80 Insurunco In erfoCI. If, fur IIny
roolun, lho monlluso InlurAnco oovoraso roqulrod by Lendor InpllOl ur cOIIsoslu be In effocl, Borruwer Ihall PIlY lhe promluml
roqulrod 10 nbtaln, oovoraso lubllanllllly oq,UIVul,onllU tho munallllll Inluranoe provloully In offoct, at a coat ~ubslanllaUy
equlvalenllo tho cUll 10 Borrowor oflho monsuso Inluranoo provloully In erfool, from an qllernnlo moMllago Inluror npproved
by Lender, If lubllanllAlly equlvalont mOr1saso InsurAqoo oovorngo II nol Avalllble. 8orrower Ih~1I pny 10 Lender each momh
a 111m equal 10 ono.lwolfth of Iho yOarly monsase Insurance promlom being paid by Oorrowor wben Ihe InsurAnco coveralle
laplod or oeAlod 10 be In ofroct. Lender will accopl, uso and relAln !lloSO pa)monts al a loss rOlerveln 1I0u of mongago
Inlurunoo, 1.011 resorvft paymenllmay no lonser be roqulred, allho oPllun uf lAndor, If monga80 Inlurllnco coverAgo (In
Iho amoUnl and for Iho period Ihlll.onder roqulrol) provldod bY,on Insorer approvod by Lendor Asaln beCUl1lC$ available
And Isoblalnod, Oorrowor shell ,pay Ihe pre~llull1s:requlrod to l1Ia,lntaln mor1gallo Insurllnoe In offecl, or 10 provldo a lUll
relervo, unllltheroqulromonl fer m,onllago Inlurailoe ondl In Accordance wllh any wrlllon agroemonl belweon, Dorrower
And Lendor or Applloublo law,
" Inll*lIon. Lendor or lis agonl mAY mako rensonuble onlrlol upon and Inspecllons oflhe Propeny, I.onder shall
alve Durrower nOllee atlho limo of or prior 10 an Inspoclll1n specifying rea,onablo cause for Iho Inlpecllon.
10, Condemnallon. Tho procoedl of any award or clAim fnr damagol. dlrcclllr cllnlcquentlAI. In conno,ction w\lh
any condemnullon or othortakln8 ofnny plin of tho Propony, nr for conveyance In 1I0u llf ollndem~nllnn. are hereby usslgood
and Ihall be paid to I.ondor, , '"
In the ovont ofa,tolal laking of tho Propeny, Ihe procel"li s,hO," be IIppllcd 10 iho sumsllCCured by.lhls Security Instnlmenl,
wbolhor or nOllhen duo, wllh any osceal paid 10 Borrowor. In ,Ihe evenl of a panlallaklng of the Propeny In which Ihe
fair market valuo Of Iho Propony Immodlaloly before Ihe taking II oquallo ur srOAlor IhAn Iho Amounl of Iho luml seoured
by Ihll Seeurlty Instrumonllmmedlaloly bofore Ihe lakln8, unloll Borrowor and lAndor olhorwlse ngroe In wrlllng, tho SUmS
socured by thll Seeurlly Inslrumontlhall be roduood by Ihe amounl of Iho pr<>;00dsl11Ulllpllod by Ihe rollllwln8 fruclilln:
(a) tho Inlol cmount of tho SUfl1!looured Immodluloly Nfore the Inking. dll'ldrd b)' (b) Iho fair markel valuo uf tbe Prllperty
ImmodlAlely beforo the laklns. Any balanoe shall be paid 10 Durrowcr, In lilt Ol'enl of a panla\.lilklng of Ihe Property In
whleh tho fair, mArkol valuo of Iho propeny Immedlaloly before tbe I"klng Is 1m tban tbo amounl of Ihe suml securod 1m'
modlAlely b\lfore Iho luklng, unless Oorrowor and lendor olhorwlso "sreo In wrlllns ur unless appliCAble lAW olhorwlse pro,
vldes, tbO, procoeds shall boapplled 10 tho,sumlloourod by Ihls Socurlty Inllrumenl whelher or nol ,Iho SUnlS are Ihen duo,
If Iho propeny I~ Ahandonod by Borrower, nr If, after nOlloo by lender 10 Bnrroworlhalthe cnl1domnor OrfOlllll
make an aword or selllo a claim for damIlS~I, Borrower fAlls 10 respond 10 lender wllhl,n 30 days al)or Iho dale Ihe nolloo
II slvon, I.ender II authorlzod 10 collect and apply Ihoproceedl, allll optlnn. ellher ,10 roslorallOI1 or repAir of Ibe Prupeny
or to tho luml soeured by Ihls Seeurlty lnllrumenl, whelhor or nOI tbon duo., '
Unlea~ I.ondor and Berrower othorwllo asroo !n wrlllng, nny "pplloatlon of pr(lCoods 10 principal, shall not oslend
or pollpone the dU,O dAIO of Iho monthly paymonta rOforred, to In pAragrapbs I and 2 or chango tho amuunlof such paymonls,
\I, Borrower Nol RelellledJ Forbearanoe By I.endor Not a \\'ol\'er, Bstonslon 'of Iho, limo for paymonl or
moolfleallon of amonllallon oflbo lum_locurod hy Ihll Security (nslrumont sranlod hy Londor to any suocossor In Itllerost
of Dtmowor shull nol operalo 10 rolo,8selho liability of Iho original Dorrower nr BorrOWer's, soocossors In Inleresl, lender
Ihill not be roqulrt~ 10 commenco proceodlngl a8alnll any, luccessor In Inlerest hr rOfl,llo 10 estend Ilm,o for paymenl or
otherwlso modifY amonlzutlon oflho aumllocuredby thll Socurlty Inslnllllonl b)' rmon of any domAnd mAde by tho original
Borrowor or Oorrower'l suooollors In Inlorolt, Any forhllarance by I.onder In e\Ofclslng any rlghl or remody shall nol be
a walvor ,nf or procludo thumello of Iny right or romedy. '
U. SUCOOlaQl'I Ind A...lans Boundl Joint and Severall.labllltYI Co-slUnorl, The covonants and agreemenls of
thll Security 1~ltrumont sball bind and benof1lthe suooossora and assigns of Lendor And Oorrowor, luhJocl to Ihe provlslnns
\If paragraph 17. Borrowor's oovOnnnla And asroementllhall be Jnlnl and somal, Any Borrowor whnco'llgl1s this Securlly
Inslrumont bUI docl not osooule tho NOIOI (a) Is eO'llgnlng thll Seo\lIlty InHlrumenl only 10 1Il0ngago, sranl ond convey Ihal
Borrowor's Inl010811n Ihe Propony under Iho terml Oflhll Security Inslrumenl: (b) Is nol personnlly obllgaled to pay tho
sumuoeurod by Ihls Socurlly Instnlmontl and (c) a8roellhallender end any <'thorBorrowor may A~roe 10 eKlond' modll')',
forbeor or mako AflY aceommooallonl wllh rOSArd 10 Iho lerml oflhll Seour!I)' Instrumonl or tho NOlO wltbout Ihat Borrowor's
conlonl. ,
13, Loan Charses, If tho loan IQcured bYlhl1 Socurlly Inllrulilonl II subJecllo A law which sell maximum losn
charsol, and Ihat lull' II flnally,lnlotprolod so .that Ibo Inlerest or olhor 10lln charges cO,lIoeted or to be colleolod In connection
With Iho loan exeoed Iho permlnod limits. Ihon: (a) any sueh loan chargo shall N roduced by Iho amount neoessary 10 redu~,o
Iho charge to Iho pennlnod IImlll and (iI) any sums alroady colleclod from OQttowor w,hich escoedod ponl'dnod 1I111lts 11'11\
be rotUndod to Borrower. Lender may chooso 10 make Ihll retUnd by reduolnglhe principal owod under tho NOlO or by making
a dlrecl Payment 10 Borrowor. If a rotUnd roducos principal, Ihe roduel!on will be Irealod as a panlal prepa)'monl wllhoul
any prer.ayment chArge under Iho NOlO.
4, Notlces, Aqy nolleo 10 Borrower provldod for In Ihls Securlly 100lrumonlshall be given by doltverlngll or
by malll118 It by flrsl elRlS mall unloll Applloable law roqulrol uso of nnolher melhod, The nolioc shall be directed IOlhe
Plopeny Add rOil or any olber IddrOl1 Oorrowor dOl18nalel by nOllco 10 !.tllder, Any nolieo 10 lendor shall be glvon by
)
ROOK 1332 PAGE. 977
) Ferm 3031 "10 X Ip." 4 0161'1")
One ~Iua mall 10 \.Ondor'a addrn.. ...led herein or any other ,ddren Lender dcalall..,.' hy nmlce 10 Borrower, AllY 1101100
provided for In Ihla Soourl1y IIIIIrUlrMlnl Ihall be deemcd 10 havo heeo alvon Illllurrower Ilr l.onder when alven II provided
In Ihla plraaraph.
II, Oovernlna Lllwl /levol1lblllly, Thla Securlly \nllrlll11enl .hall be l1ovornod by fodorallaw and Ihe law of Iho
Jurildlollon In which Iho Property laloulod, In Iho ovenllhalany provl.lon or olaulIG of Ihla Securlly In!lrumenlor tho NolO
conOlela wllh appllcablo law, luoh connlol.hall nol arfeclolher pruvlllonl uf Ihla Sccurlly In!lrumonl or tho NolO which
can bo alvon offecl wllhoul Iho conOlclllla provlalon, To Ihll and Iho plllvlllonl lIf Ihll securlly Inllrumonl and Ihe Nolo
al1 deolared 10 be IOvorable, '
16, Borrower', Copy, Borrowor ,hall be alven uno conformed copy of Ihe NolO and of Ihla, Securlly Inalrumenl,
1', Tranorer of IheProperty IIr a Penenolallnlorualln Horrower, If all or any, part of Iho Property or any
Inlel1llln Ilia 'lIld or Iranaforrod (or If a beneOolalInlclrellIn Borrower II Illld QI' Iranlforrod nnd Borrowor II nol a nalural
P'"9n) wllhnul \.Ondor', prior wrlnon oQnaenl, Lender l11ay, alii, opllon, roqulra IImnedlalO paymonlln t\tllllf allluma
IOt:lUed b,y Ihll Seourlly Inalrumenl, Howover, Ihlo opllon ,hall nol be o~orclled by I.ondor Ifo~erclllO la prohlblled by federal
law.. of Iho dale of Ihla Selourlly Inalrument; , '
If Lendor o~orolllGa Ihll opllon, \.Onder Ihall alve Borrower noll~o of nccolorall\lll, Tho n!ltlco ahall provldo a period
of nollo.. Ihan 30 daya from Iho dalo tho nOlloo la delivered IIr nlailed wllhln which Borrllwor mUll pay all auml 1G0urod
by Ihll SC<lurlly Inalrumonl. If Borrower falla 10 paythellO auml prior 10 Ih. .~plrullon of Ihl_ period, Lendor may Invoko
any remodlOl permlllod by Ihla Seourll)' Inalrumonl \Yllhnul t\trther nollco or domand'on Borro\yor.
18. Borrower'a Rlahllo Rellllta,e, If Ilurrowor meOls cortaln oondlllons, BorrOWer Iha,1I havo Iho rlahllo havo
enfor~omOnl of thla SC<lutlly Inllrument dllOonlln~d alany limo prior to Iho oarllor ofl (a) 5 daya (or loch olhet plrlod
as applicable law may IpGQll'y for roll1l..tom,"I) before lalo of Ihe \"ruperty punuant tQ any pow.r of ..10 conlalnod In Ihla
Sec:urlly Inalrumonl; or (b) onlry of a judgmont onforclnB Ihla SeOllrlly InMromont. Tholo ~Qndlllona aro that Borrowerl
(a) paYI Lendor all loma which Ihon would be doo under Ihla SecurllylnMrumcnt and the Nole u If no ~oolorallon ,had
QC~urred; (h) curOl any dofaull of any olhor covon,n" or aareemen"! (0) pnyanll expenlOllnourred In onforolnalhla SOourll~
(nlllUmenl, Includlnal bUI nQlllmlled la, reasonablo anomoYl' fcoli ,and (d) lakoH Huch aCllon u Lendor may rOasonablY
require to assuro that Iho lion of Ihls SeourllY (nalrumenl, Leudor'a rlahllln tho Propeny and BorrQwor's abllaatlon 10 pay
lhe luma aooured by Ihla Socurlly Inalrumenl Ihall conllnuo unchanaed, Upon rolnstatemenl by Borrower, thl. Seourlty In.
Ilrument aod Iho obllaallons lCQured hpreby Ihall romaln fully off~cllve aa If no accelorallon had occurred, However, thll
rlshllo rolnllalo shall ,nol apply In the 0010 'of aooel.rallon underporaaraphl7. ' '
19, !ialo of Nottl Chanae or Loan Servlcer, The Noto or a panlallnlorelt In Ihe NQto (loBelhor wllh Ihls SOourlty
1r,IIrumentl may be,lold one lIr more limes wllhoUI prior notlco 10 Borrowor. ^ solo may rOlult In achanaoln the enlity
(known a. Iho "LoRil Sorvloe..") Ihat oollo~la monlhly paymonla duo under Ihe Note and Ihla Sc~urllylnalrumont. Thoro
allO maY be one or moro ohnngOl of tho Loan Servlcofllnrolaled tn ..010 of tho Note, If Ihere la a,~hanao,of Iho \.Dan
Servlcer, Borrowor will be given written notl~o Qf Ihe chanao In accordanee wllh pornaraph 14 abovo and apPllcablo law,
Tho noll~o will SIRto the name and addrosl of Iho new Loan Sorvlcol' and Iho ad4rcss 10 which paymonla shoold be mado.
Tho nOII~o will alao oonlaln any other Information required by nppllcahle law,
20, Hlllardona !lubllanctl, Borrowor ahall nOI cause or permit Ihe prOlonco, Use, dllpoW, Itorallo, or rolease
of sny HlIZardous Subalanoos on lIr In tho Property, Borrowor shall nOI dQ, nor allow anyono ciao to do, anything affcollna
the Propeny Ihotll In violation of any Bnvlronmontal Law, Tho precedlna Iwo senlencosshall nol apply 10 Iho prosence,
UIC, or Iloraao on Iho Property of Imall'quanlllle. of HatardJuI Substancos Ihat are gonerally recoanlzed 10 be approprlalO
10 normal rosldonllal use a and ,10 malnlonan~o of Ihe Property.
Borrowor shall promplly alve \.ond.r .written nOllce of any InvollIgallon, olalm, domand, lowaull or olhor aollon by
any aovernmenlal or regolalory aaenoy or prlvalo pany Involving tho Property and any HazArdoUI Subslan~o ot
.Ilnvlronmenlall.aw of whloh Borrower ha. aolual knowledge, If Borrowor learnl, or Is notlned by any aovornmonl.1 or
reaulalory aUlhorlly, Ihat any romQval or,olher romedlallon of any HlIZardous Subslanco affe~llnallio Propof\Y II nooeuary,
Borrowor ahall promplly tako allnecesaary remedial aCllQns in a~~ordancewlth Envlronmenlal Law.
Asuled In Ihla paragraph 20, " Hatardoua Subs'ancol" aro IhOIO substance. donned lIS to~lo or hazardoul subatancea
by Ilnvlronmonlal Law and,lho followlna subs,lanocalga!olin~, ~orolono, olhor nammablo or to~lc pelrQleum produclI, to~lo,
peltloldea and horblcldoa, vQla\lle aolvonls, nlltorlals ~onlalnlng asbeslos Of fonnaldehyda, and radlolO,ll\1o malorlala, A.
used In Ihla paraaraph 201 "' Environmental LaW',' means fedorallaws and lawslIf the jurlsdl~lIon whero tho Property 1.localcd
,Ihat relato 10 hoalih, safety or onvlronmonlal prole~llon. '
NON.UNIFORM COVBNANTS, Bormwer and Lendor further ~ovenanl and agreo aa fol1owa:
, 21, Accelorallon! Rlmedl., Lendor .halla1ve notl~olo Borrower prior to a~celora\lon tollowlna Qorrowor'a
bnach of any oovonanl or aareemenlln Ihls Securily 'nslrumenl (bul nol prior to acceleration uncler parasraph 17
unless appUcablelaw provldOl olherwlllG), I.onder Ihall noury Borrowor or, amona olher Ihl",,1 (a) Ih, doraulll (b)
Ihe acllon required 10 cure the detaulll (c) when lhe doraull mual be coredl and (d) Ihal failure 10 cure lhe doraull
at i~lned may roaullln IIOceleratlon or thesurnt lfe\lrad by lhlt Securtly 'II8Insmenl, ford""," by judlclal proc:~1lI
and laleot Ihe Property. Lender ahalUul1her Infonn Borrower of Iho rlshllo relllltlle al\erlceelerallon and Ihe
ripllO ....11 In lhe foreclosure proceedll18theoolHxlatence ora defaull or any olher dofense ofl\oml_lo a<<elerallQl\
and forC<llolo",1 tr Ihe doraullla nol cured III IptClned, \.Onder _IllS uptlon m.y requlrelmn\edlale payment In full
or all auma lC<lured by Ihla Securlt)' Inllrumenl wllhQul ful1hor dem~nd and mllY foreclose Iblt securlly IlIItrumenl
by JUdicial prooeedlns, I..endor ohall be enUlled tn collect an oxpenllGs Incurred In putsul", lhe ",medles provided In
Ihlt par.araph 2l,lncludlna, bUl nOlllmlled 10, aUorneya' fees and costl at IlIle evlden~e to lhe ..tenl permllled by
applicable law. '
nooK 1:332 PAGE 978
Perm 3* tIIO X (P"" ./6 (NI"I
U, Mel_, Upon puymenl 01' all iUIIlI _ured hy Ihlili<tllllly In>lrUlIlenl, 11111 SetUrlly Inllnnne", and Ihe c~tUle
conveyed ihalllOrmlntte and ~omo void, Mer Ilwh uteurrenee, I.endor ~hall dlwharse Rnd lall~fy Ihll Ilecurlly Inslrument
wllhoul chorao 10 Borrowor. Btlrrower .hall pay any recurdallun eUIII, '
23, W.lve", Bormwor, 11IIho oXlO1I1 pormlllod hy applleohlo law, walvOllllld roleula IIny orror or defcell In prll'
eeodlrlal 10 onforco Ihll Soourlly Inllrumonl, and herehy wolvol the benent uf any prolonl or flllure lawI provldlns fnr alay
uf oxocutlon, ollonllon nf limo, oxemptlnn frnm aUadllnonl, lovy and iale, IInd hOlllo.load olempllon.
14, 'Rell\ll'lem.nll'.rlod, Borrowor" limo In rolnMalo provldod In pamsraph \8 Ihall nllond 10 ono hour prior
10 Iho commencoment of blddlna al I Ihorlrro lalo or olher salo pouualll 10 Ihll Socurlly lnllrumonl,
a'l Purch... Money Mortlllao, If any llr tho Ilobl locurod by Ihlo Socurlly lnmumenllslonllo Dnrrllwor tn acqulro
tlllo 10 tho ~ropony, thl. SOllurlly InOlrumontshall be a porcha,o mnnoy l'lUnaaso. '
26, Inltrtll Rile Aner Judllmlnt, Borrowor aaren thallho Inloroll rate payablo aRor I Judamont II olllorod un
Iho NolO or In an ~llon of morlaniO r\!tocloluro ahall bO Iho ,rato paya~lo frum limo to tlmo un~or Ihe Nolo,
a'T. Rldl" 10 Ihla llteurllylnllrumtnl, I( Qne or more rldoro arc oxocalod by Dorrower and recordod togelhor
with Ihlo ~ourlly In1Irumen!, Ihe covenant. and aaroomontl or oa~h lu~h rhlor Ihall be Incorporalod Intu and Ihall amond
and oupplement tl1c covenlUl~ and asroomen~ of thl, Securlly lnstrumcntilS If Ihe rI40r(I) woro a pan ur tI1ls S<<1urlIY Instrumenl, '
(Chock 'ppll~ablo box(e'lI, "
o AdJultable Rate Ritter 0 Condominium Rldor 0 1-4 family Rider
o Oraduatcd Payment Rider 0 Plannod Unit Devolopmont Rldor 0 Dlwookly paymont Rlqol'
o Balloon Rider 0 Rata Improvomcnt Rider 0 Second Home Rider
o OIher(l) llpocUYI
"
pY SIONINO BilLOW, Borrower a~~optl and asrool 10 Iho lorml and ~ovonantl cunlnlnod In Ihls Securlly Inltrument
and In any rlder(.) ~sooulod by Borrower Rnd recordod wllh It,
Wllneliell
, ...d:",,,,,';l;,l3IJ!.4'~~,.,.,,,,,..,,,,,,(Soall
C?tlSSIE 13. oAMP'iiiij,~"r'-' -Borrowor
Sul'lal Security Number,,,, ",?,Q,~:,:~9,~,1 ~:\9".,,,..,,,,,,,, "'"
,
1111111.11'....'''",..,,,....,,.,..,,,,,..,...,.,,,,,,,,.,....,,,
,......,,,,,,,,,,,,,;,,,,,........,..,.,,,,,......,...,,.,,.......,.".(SoAI)
- B\lrtowor
Social SccllrllyNulnber"..,.""" ...."",.."".,,,,,,,,,,..,,,,,,,
..'" ,
/.,.~\ ~ At' 1:';,';/.,/
L " ('''' -" "" "
D U H-- /." .-..,\1""., '-"f'"
COMMONWEALTH or PENNSYLVANtA, """IH"t,,,...h!.,r.,,.h~.","".HI"'H.."..."'I:'tt"""'''t'''',. County .ar f~' "~I". ,', ..',,'\.\ ';;. \
.' L' "i,lI'" 1._ \'
on thllithe ".,:~~.hh"U""'H ~ay ot ".,...i.....~MHX,U.II".."""j'I';"U+."."". I lO '~'~"'''I b(ltore m~ .:.,t1~,f.M~A.QH.,9.t\~1I~ \ ,t
lIU,..HUIIIIHIHIl'''''''UHlII'l+I''''I thtt under.tltled offtcert p.orsonally appeared "".I'''''''.....""JJ!tBJiJ,~l,l.tJ''I'..~r.~.mt~.H'...,..'''I' ;:
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, " ;, , " ' ' ,.tl fOOl\,.
proy~n) to be lhe p8rlOn """" whOle nam~ ......"...."...... aubaeribed 10 lho wllhln Inalrume. k!l9l'{)a lie .\.blll
lll.ft .~, th · lh hi........ .... ";' .""
'"I1H M IIh""I'."I'" eXIQu\UQ e same aor 0 purposes ,ero n con VUi "'" 'll ..I , ,
IN WITNESS WIIEIIEOP,I,hef~unto aol my hand "nd
My C\lmmlellcn txpll'llll
Lower~~~1~~e~fJh~~~~uMV .
My oomm'.116n1t'plree Jan. 27. aooo
1m Ir, tMIYYI 1 loe ono ~!! $I 5430 ESTOWN ROAD
f 'J ~.. t . ,B\ ~ xe plOof' fi ~ualneea of lh~ wilhln namod Menaaa" I. ,,,...,,.....,,...,,,,..........,,,..............1,,...,,
'v' ''''\'I...hl.,,,..III~'' .."I.,,, l'llItll"""",,,,tl "'"11' Ill""'''''' ,., Itllllll "" ,...." """,,,,,,,,,...... ,11""",,"...0111' "'111'''"'' ,...........".. ....",,,, 'I"""."" HIl'
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:< <;:"IS':,>~~>.' ) . 1"32 979 "'1orm~OU' "lOX fp.,.6cI/4jof,III
I""...". 'BOO~ oJ PAOE, I
(}.1t6{'
,'9" RUG 11 PM 1116
!:III>\Ut.K\.ANU UUUN" or"-
J
'9" RUO 11 PM 1 D6
Satisfaction of Mortwe '
RBCBIVBP PA YMBNT and SA TISPACTION In P\JU.. ul I CERTAIN MUrlallO liven by AR'l'IIUR W. CAMI'nllLL
and JESSlr~, CAMPBELL , 209 WOLFBRlPGll ROAD, CARI,1SI,E, PA 17013
, , "Mnrl,!,'d ProperlY
do.orlhod.. rolloWll' ALL THAT, CllRTA1N PROPllRTY BITUATllD l.N TIIIl TOWNSlIlP OF MIOPLllSlIXIN Till!
COUNTY OF CUMBERJ,AND AND OOMMONWl!ALTII OF PENNSyl,VAN1A, BllING MORE FUJ..J..Y DEBCR1UEP IN A
DEEp IlATED QS/~?/59 AND ~ECOREDE OS/29/59, AMONG THE LAND RECORDS OF TilE COUNTY AN1l
STA'rE SET FORTH ABOVE, IN DEED VOLUMll DI9 AND PAGE 406. ,
'1'0 Nmlhwoll ConlUll\or Pllcounl Company dib/a PRlllB CONSUMER DISCOUN1' COMPANY
TWElNE TIIOUSAND TWO IIUNDREll SIXTY-TWO POl,LARS
hoarln,dalll ~ULY 24 A,D, 1?96 ,Imlhlilumnl AND EIOHTY-lllOIIT CEN'l'S Dollarl,
Ind rocnrded In Ihe Rocmdof'anrrlce 01 Iho CuunlY III CllMBERl,AND
In Monaale Pook 1 :\ '2 paae 974 (mlgnwll 11I1I1Iws) I
, ,8nll Cnmmllnwoallh nl Pennlylvlnla,
And WB hereby Iuthorl~e lho !\ecorllor III "Id CmlOly IU enlor thl~ rocelpl and lallsla'cllnn upon lhe maraln III tho
fOC(lfd oraald Mortgage, IN WITNIlSS W'~BREOF, I havo huruunlll fiol my hand anll SOli I this ,2nd
,',
dayol '
APRIL
,A,O, 1997
ONSUMBR 0 SCOUNT COMPANY (~ if!.'..#'" .
S ER C T COMPANY '. .' V'If." ....~
, ' . ,J A""...if" I
;.~.I rt '~~~~Y~*'I'(
n~".('~A~~ .1.,.'1 . (,'
"I /('t,,',~ ~~~" ~.'
.. '::'. .r'
111,:3" II It
III ' {,fF ~' /.,
I1AUPHIN Counly I" ' . .
Belore me', the subsorlber ,A NOIIIV publloln Ind lor lhe said Oounty, personally oams .the llli'bve (I
, . - -
. nllmed, JOHN "ALL III1d aoknowledged th811bove 8a'Islaotlon .
to be his act and deed, end desired the sams to be reoO/ded as suoh, . " \\\it4~
,\ '''''''1 n t(f' ~
WITN,SSS~~: h:,n,d andmv seal lhle,: I",' ~,I'Y r ,!/)::;; ,,:.)6~,'i~:~~;~l:{I;fj'
.HJ'Jl:r:f.Il1X~b:1t,?,;I>u~IQ, ,~ -r~-f , ~Wl,)l~)!~'lo~r'i?
,~..... ~''l'I':w.. O,,,,,,OA" Of "~"I"'N"" " r .""" ~'" ~
I , " ~'",'r,/':'. ',,", I
The undersigned hereby cert"Ies thallhe preolse realdence Of themllrtglloee herein named 18..' 'jji~~'. ~r;::~
lollowal 209 WOLFJlRlDOK ROAD, CARLISI,E, PA 17013 . ',.",' 'r"'~\'
Sealo~aOlI delivered In tho pfosenco III
BYI
Commnnweahh 01 Pcnnlyl~anla I
NORTHWEST CONSUMER DISOOUNT OOMPANV
~/aPR~JB CONSUMER DISQOUNr COMPANY.
~30 JONESTOWN ROAD
HARRIBBIJIl.G. 1>A 17112
.. If';"
"., ,
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21-\17~910
", , 1,
H t I, L
1, JESfHl! Ll!l! CAMPBELL, of Route 10, BOll 130, OllrUsh, Peonsylvllnilll Middlaaoll. Town..
ahip, Cumberland Oounty, Pennsylvllniu, doclllro thill to bo my lllst will IInd revoko any
wit:\. proviouBly made by \110. . ,
ITEM ONl!, 1 direot that sll my dobts and funoral ClllpenseB, including my gravemarkar,
ahall be paid from my rosiduary eatatu a8 Boon 8B prllc~icablu "fter \I1Y deoesse, as a
part of the ellpense IIf the admioiatratiol1 of my (<lItate,
ITEM TWO, 1 giva, daviaa snd bequeath my antire estllta to my l\uaband, ARTIWR WILl.IAM
CAMPSI!;Ll., if he survives me by 60 doya, In tho event that my hUsband, ARTHUR WILl.IAM
CAMPBELL, pndecoasaa ma .01' is not then Uvins on the 61at day attar my. daQsasa, then
1 8iva, daviae and baquaath my antiro sstuto to TERESA ANN CAMPllELL, my adopted daugh-
tarl. and toJAMl!S l!. llARNHART, my eon, squally, ehare snd ehare alika, pSr oapita,
ITllM THREE. I appoint my husband, ARTHUR WILLIAM CAMPBELL, ll11aoutor of thill my last wU
Should hs faU to qualify or csaea to aot lIa Ellecutor, IIIPpllint JAMES E. BARNHART, to
IIct as, Ell,scut,or wi th ths sarna rishts, powors and dut ies.
ITllM FOVR, I appoint JAMES E. llARNIlART guardi,an of tha person of aachminor child of
mine. If h. should fail to qualify or oBllse to aot aa sucl1 guardian, 1 appoint 1.ARRY
BA1\NIlAR'l' , JR. to act as 8Uardisn of the person of each minor ohild of mine 4tth the
same'risht., powera and duties, Should LARRY BARNltART, JR, fail to qualify or caaas
to aat as suardian, I' appoint LEROY ECKEL pf Ilasarstpwn, Maryland to aot, aa guardian
of t.hs perllon of 8Ilch minor child of mine with tho sarna r.ighta, powera aod duties,
ITEM FIVE. I appoint JAMES E. BARNHART guardian of any proparty whioh passss to any
ohild undsr the ags of2Lyears and with reapllct to which I ,sm authoriud to apPl;lint
a gua!-,dian and have not otherwise! apecifically done so, Said guardian shall have the
power to uae incomll from time to time for the minor I a educat ion, aupport and we Hare
without resard to ,l1iB or her parent' e ability to provide for aucheducation, aupport
or wellara, or to make payment for thllall {1ur{1naflR, loll thout: fur.ther reaponaibility, to
· the child Or to the child 'a pareota or to any peraon takiog car.e of the child. .. Said
~ 8usrdian, shall administer the aepara,te lIod equal share of each Ch, ild until h,e\>r ahe
beoomes ,21 Y$8ra of aQe, at which time the IIhare of eaoh child remaining in the guar-
ldianshiP sccount shall be paid to said child in full. lntha event o~ the dauth of
any minor lifter my dscease and prior to rellchingtheagll of 21 years, hia or her sltare
ahall be dhtriputed equally to the surViving children or child to ba admioiaterad in
~ ' accor dan,ce W,ith this' guardi an ship provision. ShOUl"d he fa, U 'tl;l qual! fy or cease to act
. as 8uardian, I apPl;lint LARRY B!\RNIlART, JR. to act as guardiao with the aama rights,
powerB aod dutiss. Shl;luld LARRY SARNIlART, JR faU to qualify, or caaae to act as guardian,
~ I appoint LEROY ECKEL of Hagerstown, Mllrylaod to ect as guardian wHh.the same rightll,
. ~ powera and duties,
~ ITEM SIX, All elltate. inharitllnce. aucdallsion ,and other talles, il1lposed or payable by
~ resaon of \I1Y desth, nnd interest IInd petlalties thereon, with rsapect to all property
l~ comprising my groaa olltnte for tSll purposoa, whothor or not such property paaBaa under
1 this will, ahall be paid OUt of the principal of my residllary estata, with6ut apportion-
ment or right of reimbursement.
ITEM SEVEN, I direct that my parsonal representative or guardilln shall not be required
t~ give bond for the faithful performance of their dutias in IIny jurisdiction,
~IT1lM EIGHT. In addition to t.he rights end powflra glvHo to fiduciariea by law and alse-
where in this wUl, 1 give .to my Executor during the full time necB8sary for the admin-
istration of my estate the fOllowing rights and pnwarll to hll axol'ohad in hls sole
discretion,
A. To retain any real or personal proparty which may at any time form a part of my
Page one of three pllses
I!XHIBI1
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OOllClVftf CUfllnt Owner
PIO III " hll I IIll1d fll film II tlUlhold PIO 101 T I PUO
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DII,IIb. common .'.mlnll and 1I0lllllonlll.01ll1l1l:
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OENERAL DESORIPTION EXTERIOR OEBOOIPTION fOUNDATION
No, 01 unlll _:1.__ fdUOdlllon COnQlllltL.SaQ B,.b
No, 01 SIOIIU.....J.. Exllllol WillI ,J:lQl\l:IIll.IL_ OllwlSplC,
Typ. (OII.lAII,) D.tIohIlll..ROOISu'll" _Mlt.~__ OmmlOl
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Exllllng'PropoUd Ihd.I,Il1nIl.. WindOW TypI lfCllllJ..I'I:IIINI, Olmpnnu
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flnllh.d 1111 .lova radloonlllnll Oldloom I '
INTERIOII MIIIIIII,/Cdndlllon IIEATlNO klTOllEN EOU'P, ATTIO
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. 1.1 ,ondlllo", IluCh II, bul 001 1I111111d 10, hlllldou, wIIIII, 10x'O lubllenell, 110,1 p'"lnl In Ihl Improvlment', on lhl 1111, 01 In Inl
EXHIBIT Ih. IUbl,,1 P'oPIIIY,: NO,lcl'luII.lndl:lInm1l'1tI1_Qond1Uone "UI_IPIl'lIlntLd1Ial.lIl1d.---,-..-
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l~u!t'lru lnl 1I"I! I 111111 I'H'!II'lIM,II ("llllll,U ~Kn
Itnlll.IA'.lnrm 1004(6 '11
"a"
summafY AppraIsal Report
Valuallon 80Dllon UNI ORM ES D TIAL APPRAIS L EPO
ESTlMMED SITE VALUE -I .30,000. commonl. on Coli AOOfO.oh (,uoh n, IOU'OI 01 00.1 IIl1m.lo,
ESlIMAlEO REP~OOUOTlO'ti C081',NEW:OF IMPnliviMENTs;' ' "'" .110 v.IUI, IqUaII 1001 OIloUllllon, .nd lor HUO, VA .nd FmIlA, Ihl
6. oWllllng ..~1,~ao- aq,FIO' _3,Q,.00_ -I ~___,U,,600_. IIl1mllod IIm.lnlng loonomlo 1111 01 Ihl O'DOII~): .CoIILD.IL.,
, .~__...______'_. Sq, FI 0' _ _,,_''''., _ .._...________.crom.Klnb.U" BdCLV.:LlIlt~n"lIa;'l~o' .--.-
I.. forob~_...,._~ '-~, u._ "..u., -~~.-,- 600.. ..Hlndl:look _lnd_J.,00 I, :L,.o, OI,ILIDI:L:i,dl' 1.1 nd .-..','.
. GlIIgllc.roort ,..._,_ Sq, Fill' ~.,__...._ - ......,__..._____"...,.V.l:LIII--l:!:om..Klrk.t-.Cltl-J:lomuhon.....-----,---
Tol.IElllm.lldOo.IN.w ",.."""",., "" -, ____43,.11111_ "ClliU:IOl.lt1oD..b..ld_.on.,I;I_,UCI_obl.l:YIIL .
L,II 81,2' OhY.IOII Funollon.1 E.I,,",I Hoondl.t1on...lnd_HllIklt-llltl-lInl:L:.'lh".--.. .
. OOOllollllon ,.....36,.00a.....,_.,_J..____, ., .__36..000.__ _lIltmat.cL.BamI1.n1n;..1I0QOom10J.I.Ca..II~:L0-....
~::.::~~:;~ ~I~:I:II~:~:~:~::' ," , , , , ""',","'" '" -, ,.__.,_6,111L.. ...y..u..___...___._.,___..,_________..
INOIO EO ALUE 8 001 po'..""",,....,""'''' ., __11,,000__ --, ,- ~-' -~-,---..-.-
""
._____J1lli_n_'--- _1!!~~1.___ _-00MPAM!!ltU9~,L..-..-.- ,___..QQM~Dl!Jfl!cL__ __J2MWlmUj9, 3
20a Wolel BlIl.dglRoad 1961 r~ ~oopAVI 247 PI~llIlbllll; ROlld 316 MoOll11.Itelll Ohd
}ddllll ClrUI:L .lllU:U.ll..__,___~...:........ .QUUIJ.Il-- .Qlr;j.l.l:L1.
~::::t~~::,~I:~~::1 . L..J1..~{Arn ~~;~~iitd!~~i~\~ ~~i~rtr(ti~~~I~.: ~il\~;,;~'~~tJAW~~
O.lundlor 'l<tLB Pat a l<tLB Pita l<tLB Pita
..\'!!IIIOIlIon 80UIOII ..QQ.IIWhllIII....BaOllrdL._ J:lOll!:1ll\QIIILBaQQrdl__ ..QQ.IIWhllIIIL~ONI,--
YbLUE }.OJU8TMENT8 1~:lo,~",<..w' OESO IPTI. Ad '.'1 ,..jESORIPTION: .' /41U11.'" OE80RIPTlON , 'l1MJ!I~L
SII" " Flnan"no \1!!1!;;!: NOl\e, Cony Nonl, Ollh Nonl, Cony
~~1II10", ;n',!;."" _ j1OlLG1...,_, ,UllH..lli-
Dal' ol&aI'lIIm, ./'" .aLa .JL97 .am
lOOlllon All.n Al/tInlll _ Al/tIngl_ ,AYIUlaga
.1"!ahOldlfll SlmPII ,ra..JI1uillL- ,hLU.llqlll .b._B~tl- .b1_81uill
Sill .L,UloLAyg ...2 GaoLA\'gc ...a.oo. _.II&QlA'lg,_ . ..J6,J1ll, ...JibcllAYlil~ ~Jl.o.Jl
1~~, .Ball.~nt.l..L .Ball.lSIotl.a .Rllll.dl1\tl.lL ,8ul.lSlnlll.l
J1!!!in and AOe!!!. .LBtlUlY-' _L8to.n' .LBtQ!::.'_, J.....8l<l!J;y
..9!!!!!!l'E!~!!IUoIlDn All9lC.onQIUIL AYglrllllM....- AyglUkStot\l ,-,-~ .A'l;~L -----
_~RL- LXlIU-- .4...xeAU- _~3.,.ooo..2UJ:Lm __.JJl..YtlUL----
~~~!lIlOn :oor~ratj Bl.~_ --=.ll..o~ All~lg -ao.,.QM a
AbOVI Orad. J~ 84.\ .J!!\L,]!!!!... ~l!L !lI'OI' ',11)111 ,1kI/111_ 84lh'
RoomOounl _ __ _ 3:L_ +2,000,. _.3... .J
Orollllvlna Aill .1....42Jl_..!9:lL J.,.o.ai... Sq, FI, --:u,J.Q.Q .1,.o.U 8Q, FI, WO.o,
o,"manIUlnlll\ld Nonl 1I'~11 B,mt -1,000 lI'ull Blmt -1,000 None
_~~omIOlloworadl B/A .llnUnl.l .llnUnl.llul4 N/A
.f!lnollonal UIIII~ l1ftJ:ag .Al!IUlllL AllIagL._ ---' AVlUllL
tl"ll~ilCoolln .lHlc:lkwHA... ,lIWlHlln ,~._O.o.o. ,rBlLHW\a -3,000 .lIIALHQo.
.!!1!ray Elllolanlll!!!!L... .M1nl.ml:L~ ~C.I:L...... ...--:a...o.o.o J1:.rpl.OI -2.,.oQ.Q J1W1
Oll'Ol/oar~oll .HQne .QaI:ilQl:It__ _--=1....0.0.0.. .J....Q1llI.J1tU:allll -...a.oo. J,...Quc.lllJ:all
ooroh, Plllo, OlOk, Bl1\llll POJlahl None I , ' Oond pallohl pOllahl
-"I'.!~~I'), 110, JJ.Qnl ,liQna.., __ ,Ul.m:L11lI -2,.0. ;till
f!Jli!J'ool, alL:-..BQIlI- JJ.Qoe .HllnI ' .Hllt\I,
., ""'".,', . .'. '.'" '" " rT7J'iDi.l- -:D--;J'i[ - J::J:i:IiI
~~~~::;:~~i;I;.;!iii;~i~!;111~;I~lil;' fI~II{lifl,lt, '~:: ;qq~['jj , 3:~00 !~l",!P:II~', -::',:::
commanll on 8.111 Comp.lI"n (Including Ih. Iublao' proplf~11 oDmplllblll~ 10 Ihl nalghborhood, alo,): s.ill:l:laoUL..JlQll aOI1'qilI8.lli.ble wl.tb, ---
nll.;bhllJ;blllllL~0Jl.nl.lll.Jlal...cQql&rj,Illl\...Al\IJ.tILa...lbOlf~a~..J:IDOLJl.L.n,.1Qll.=.W...50'Q.,.. A_
ItllllatUIIIUll;tlliOG~JLJ.Llt,!:~nO:L:i_aQQllIlI8ndld l!OJl tl\t.~,~.at pJlapaw dUll tlL!l1libl'_,11llDL
.llLrQt...Jfa.ll.d~rJ.ng~nlao;l.....llYJ,d'DQL..llC....lfatlJl damaglLlI\lLl.lllll.ng...la;lIIL.l.n....lililLQll1:Ll.nll..-~1.:L1
bOlllLl0tl.tad,.;QlL.tbL~:l.a.t-p;:O~":i~._gQDI,\.dU.d...lf.ol:lth1aILl\1lL1bll111cLalI0 btI_CUtU11d.la.fL-
'OQnt1nllfllLbab~ti.Qn""..Ya:L]1.I4!rmalll.1Y-.J.n....th._l1nd.'~
___...._.lliL..___ .....:....!UOJEOT ___ ----,-,Q,QMPARAO!!llJh I COMPAOAgLE NO, 2 OOMPARAOlE NO, 3
D~II, P,loundOll' 0&/29/&9 None Nanl ' None
SOU "I, I" p,lor "Ill " $4, &00 None , ' Nonl None
,"",,"""". . .",,,,,,,-,,,, ".........---~,,' ...............'-
An.IYllo 01 any oUIfIMlg,,,mlnl 01 "Ie, Dpllon, or IlIlIng ollh' .ubllOl proPII~ ,nd ""ylIl 01 any pIIOlIlI" ollubllOl.nd oompmblll wllhln Dna yur ollhl dill OI'POIII"I:
H'LP.ll1QL1UI.LJtl..th1n..I!I~'I:..t--"":"~~- --~-,-..---
0010 .:
,:3,.Q.QQ.
-a..o.QQ.
- ,.000..
". "INOIOATEO VALUElYlmi-ceMPARIION mRO~~'-'-:-:~",,,,,,,,:,,,,,..,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,..,,,"""""""" ',__3'l~i~o.,
,,;, INO omD ~ UE IY COO lloabll E.lmlll Ml'k I 0, . Oro nl I III
Thll'OPIII"II' madl ~II '1111' ,_ lubllOllO Ihl IIpIIII, .""allan., In,pIOllon. or condlllon.llll1d b.low ,.,.., subllOl!D com pl. lion par plahl and IpIOIIIOIIIO""
Condlllon! 01 Aopr.llIl: 'l1la_51lllllHltl;Y..-hJLbll'O...lPJlllOl.UlLl.lLGlluanlLJ:QllIU.l1~Qn. !rhl.L.IPI!~'LU...coL---
.a.:LL.nt_5!llJ:P-QlJiil...Qn1Y,-'llllntl:lo.C.llObl..,-'B.Il..lttlllh.rL.d~IIIlII\I!::.'~aL..LRlPJlR.--..,..
Final RIOonolllallon: Kuk'lLlIna:L:ill.l-gQOll.lIlotnt:Ly...lIlP$lll~~"'lt*tlll..mla;kalL..Ulue. lJlUI AnllntlJlU-
COIllld...l.n'lilIlt.oilda"uoUllLLJnI1Y.iU.,..Jll:lltllllL.ul.gbt..b appU.ld to th,_IU,Jlklt DatLllnl:L:ill.l..-
BI.\li!Pll"J.nll_,n1._1Dc.CJ:ll\It1Ql\....I~ltlnt1&t.U-'lb....".It1matl8 . ' ,- ,-
Thl PU'OOIl ollhll epplllllllllo "lIm.11 Ihl mllkll v.IUI ollhl rill prop,rly Ihlll' Ih' ."bIICI ollhl' rlporl, bu,a Dn Ih' IbDV' oOMlllonl Ind Ihl clrllllOlllOn, oDnllng,nl
and IImlllno condlllonl, and mlrk" v.lu, dlllnlllon Ihll ara "II'd In Ihl.lIlOhld FIIddl' Mlc rorm m~lnnl, Mil ro,m IOO~O (il'vllld ilia ),
I lWEI !lTlMATE TNE MARKET, VALUE, ~I WINEO, eF tNE REAL PROPERTY TIIM" ,TNE IU.IJECT OF tHII RE"-,P,ORT, ~ OF AIIllU1IL.2&,-:L,a, U_,,_.._
IW, HIOH liTHE Dm ~INIPEOTleN ~NO TItE effECTIVE DATE OF tHII REPCRT~1 tC __1,7,.1O.0;;d, ' '
APPRAIIERI ,'1 (\, IUPER Atw1W'(O~~_U'rED. -.LJ.-
!lg~!JUII ',_'.:~_" '.U.,).fi\!L.---~-~: IDinlli~._ '-- , "'-. -_II:. Lilold llOldNOI
N.ml _..BTAtL8I<QlIl\QlIlIllL-----...-,-----~n~------_.. M!!!!LBltll\'lttJI....JN\NIn "S8A,_882A~, In.o,,1 prooally
pm~j~R!!!!on!!....bl:ll.ry.,-a'l,,-:LlU.-----._---'-..,...- !!!!!BII!9l! !!i~jlrllbl:ll.Q'._21,_.:L ll&n__._._~_'nn. ...-
II!!! g!!!!!!!l!!~~L1\1dOU72~LH..~,-,--.-.un_'._-~,!I!lL" \lA__, !I!I!Q!!\!!I2!1!9.n.! GA,:oooa 18 ~lL,._ .__m'_ ~.. ..u___ ,- 8,.,.
0' Slallllc,nll , 01111 0, 810111 ","Ill 21-A 81.1'
Ircddiot.4Hlpltn'Ofn \tCII IWll1mt
lllPfQIlW Ihtf~!111','II'I'I' 1'1/114]\'"
11184Z1t3
SURKOGAre'S tUURT of THE STATE OF Punn5~lvanla
CQUNTY OF CUMBERLAND
~ .... 01.. ~.. "'.>lOO........ *.~'**~**M..~.....~. ."...
In f(lll
THE ESTATE of JESSIE B CAMPBELL
,
VERIFIED STATEMENT
OF CLAIM
(I 1991-00910
Deceased.
...*..*...*o**..*....*.**"'o.*>lO*...*....o*~....o.
Tal SURROUAfE'S, COURT, COUNTY OF CUMBeRLAND
FIDUCIARY OR eSTATe R!PRESENTATIVE ANO ATTORNEY FOR
THE ESTATE OF JESS IE B ,CAMPBELl. .
VUU ARE HEREElY noU fled ,that THE CHASE MANHATTAN f)ANK(USA)
NATIONAL ASSOCIATION
t& a creditor of the ~bdye captioned estate 0' which you are the
.HtOrnev or lIstate repnuuntatlvo. This claim arl'5es out of
a retail In&tlllllllltnt credit agree~nt.
proYlded to t~e Decedent under acc.ount n,umber 4ZZb91000't91ba8~ having a
balance due to Plalntl ff of $ 't 5't 5. 80 . II II PClvments have been
credited tothl'5 account and no offsets or other credits are to be app14ecl
to thl'5 accot.tnt.
LI;:.-
1;: Ul
;) tt;
'"
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'';;/
r
"<(
f.;,
THE CHASE MANHATTAN BANKCUSA)
NATIONAL ASSOCIATION
.i.?~-
o
I'
i,." f--
STATE ;'Df:. NewE...:Vor k I
COUNT~~ O,FNA1~SAU "j ) n.:
~~*lf.~~~NY JOHNS ,being
dlilPonent Is ASSISTANT VICE PRESIDeNT
du 1 V sw orn, 'deposl1S and sa Vii I That
of THE CHASE MANHATTAN BANKCUSA)
NATIONAL ASSOCIATION
Plaint if f, named In the with I n I nli trum,ent: that deponanth/.ls read the
forll<Jo'n\J 'itat,ement of Claim and khows the content'5 thereo," that t~,e ,",ame
Iii true to deponent" own knowhdge except ali to" the, matters therein ,stated
to,~ alleged on Information and belluf'and as to tholiu matters depohent
bel/eves it to be trt.te. The grounds of deponent~s belief as to all matters
not stated, upon deponont's kn~wledge ara books d record!> In poslilllulon of
saCd Corporat1()fl.
Sworn to befJ)r~m t l!it
~n1, daof~ f ~,19'lf'.,
--:0.. . ct _(, '~',.(
_~Z~___ __~,__ _______
Notarv Pt.tbllc '
This 1'5 an attempt to
be used for that purposu.
VINcrNT DIAMOND
NOI,ry Public, Stnt~ of N,w' k
No, 01015012720 or
C ~1!,111 flodln Na.s.u County yq
omml55100 e~ptre' Jun, 15, I.~
collect a debt. Any 'lnfot,mation obtalnecl will
.This coml1llnlcdtlon Is from a debt collec:;tar.
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11186792
SURRQGATe's COllRl' OF THE STAn OF Punn5ylvanl<t
COUNTY OF CUMf,ll!RLANU
"'Ill.... ....."'.......",........'" "'''''''...''' Ct.",,,,.. ..llI* .CtlllUCI
In Re 1
rHE l!.$TATE Of'! ,IeSUE B CAMPBELl.
,
AFFIDAVIT OF SERVIce
6'1' M41L
Oe!;e". eQ.,
1lI."'..........\II."'.......**....*u*IlIIl1.*"'.."'IlI*IlI....
$T:A Tl! OF NEW YO RI(, '
COUNTy OF ALBANY) ".1
-.....An..d...r...O\~'!...KIU.u._______________, bel n9 dul y SWOt n, deposes anQ lia Y"
1. I /till over the age of III years and am employetl 1>'1' t,hll attQrney for
Plalnti" herein. '
z. I $orVed tho within cople$ of VERIFIl:O STATEMENT OF CLAIM upon.
FLOWER'110RGENTHAL,FLOWER I; LIN
11 EAST HIGH STREET
CARLlSLe PA 17013
ATT~I JAMES 0 FLOWER ESQ
JAMES E BARNHART
% JAMES 0 FLOWER ESQ
11 EAST HIGH STREET
CARLISLE FA
17013
Oated'
on the 6th daVQf ,Ootober 1998 ,,' ,lnth8followinqmanner. bV
Regul IW FI rfit C hu Mail, bV depoliitlng a true' and corractcopr of ,the liame
properly 8ncloae(j In II pOIit-pald '~rapper in the onlcialOepoll tory
maintal,ned and 8lttlLlslvl;Ilv ccmtrl;l""dbvthe UnitedStatos PO$!; Office at
C01umbia Clrdle. f,lOk 15019, ~lbany, New 'ork, directed to said person, at
said addrllU ~nHonlld above, t.ha,t being t.he address wlth,ln the lItate
deSignated for tM't' purpose '~pon the, I a$t papers ~nrved In thi s a,ctlon or
the pl.c, where the ,above then resided or k.pt. offl~es, according t.o the
belit information which can be Cotlvenlently obtai hod. ,
~;~~~~~-----~--~~
SOLOMON AND SOLOMON, P.C~
Columbia Circl,e'.SolC 15019
Albany, New York 12Z12-!lOI9'
Ph. (518, 456-6100
October 6 I 1998
THIS IS AN An~MPr TO COI.Letr A DEBr.
AN' I NFORMAttON, OBTAINEO WIl.L BE USEO
FOR THAT PURPOSe. .THlS COMMUNICATION
IS FROM A ,OEBTCOl.LECTOR. '
Swofn tObefo~J\I~,~I:!.($, gg
\.0 da yo' LJ-.:J\Jf~ ,19' .
'rl t p 'b'g..J,~,1,.Qi ,~'___.___~..__
.,0 IiIry u c ,'~(5--
NANc'W'L. f1~llF.f\, '
Nolnry h,I,I,,;, (Hul" 01 "'o.w Vol'I\
u,;, !H,ien I{' I H1fH,uuhtljr (,.ountk_
i'~:i; HtJ,OlMGfilO0123 wro
L1ilil-,il;.;nlllflli;.(pll"f)[j.^uguut 10, ~,'; '4f
" '11,'lno,
Vr:, "
11(, Ili~IO
co: Ii d 6- J8Q 86.
tqp, ,'-/8
II '!I)')(]I!:!
,::)t e?~ 9 hi l1U61n
SURROGATE'S COURT OF THE STAra OP POmillylvanl,l
C OUNTV OF C\l MaE RL AND
...............................................
In RI'"
THE ESTATe OF JESSIE B CAMPBELL
,
vr: R 1 FIe 0 Sf AtE ME NT
OF CLAIM
tI 1997-00910
OIlCllaliCld.
.*......iOree..***. iOrM'.. ** ..."...iOr..U..lIt ",ee ."'0"'.."'*
to:SURROGATF.'S, COVRT, COUNTY OF CUMBERLAND
PIDUCIARY OR ESTATe REPRESeNTATIVE AND ATTORNEY FOR
THE ESTATE OF JESSIE B CAMPaeLL' .
YOU ARE, HERj:BY notl (lud t.hat THI: CHASE "1ANHATTAN IlANKlUSA)
NATIONAL ASSOCIATION
h /I credHof of the abC)vo capthlned ':'littqta of ~hl cn you are the
attorney or ttlItat,lI ref.lrUllUr\tdtl,Vil. Tllh claim arh\flit out of
IS retail InUanment credit agroement;.
prOVided to the Decedent urlder account number 5369933570110786. having a
b.'ance due to P14lnt;lff of 52356.59. All payments have beun
credl tod to t'M,a aCcount i:lnd no offsets or other llredi tll are to be appllQd
to thlll'!';aCCOul\1(. \:~" .
'. at ~ CJ:
,. .....J'
~"
f-"
i~.. j E5
. h-,;";->J \
STA te/l~ew Vlrk 6 ~
CDUNn OF NASSAU
)
I 'hI
THE CHASE MANHAtTAN BANK(U~A)
NA~,~ ID L "IO""'DN
i5ii~i_X~ ,
9'
~~XlrXPENNY JOHNS ,belny (Ju',y &worn, doposo!' and, say,,'"hat
deponent is ASSISTANT VICE PRES.OENT of THE CHASE MANrlATTAN BANK.(USAI
. NATlONALASSOC UTtON
Plaintiff" nallled in the within ,.Instrurnent: that deponent has read the
foregOing Statement of Chlm dndknoW$ the contents theroof! that thtt Ul!Ie
III true 'to depo'nent's own knowladgefllCcept all,to the mathrs there("..lltated
to be aLleglfd or:' infor,matlon and bel,lef and as to those math" deponent
believes itto be truh The grClUrjds of deponent's bltl,hf all to an 1Il1ltters
~::.. t~::,~ fr~, :.p.n.nt" kn..'.',. ... ./J .n, ~ /ili, I, p. .......n of
i~~-~ty-jOH
Sworn to bG"r;pfe me,th, III J ~XXlCiI~j(
~~ d Of'~ . If,~" 19~cf' ~ VINCENT PlMlOND
, HOltry Public, Slilt. of New York
, N6, OlOISOI272~
-- ~...f!.r;;..;;::.:. '.;1....:.~...~ ----....__.._ ' Quallflod In fl""au counlYJ1'1ri
Notar y Publ i C' Commlulon Explru June IS, 19
This III an attempt to col1oct a dubt. Any information obtained will
be used for that purpolle. Thh cOmllllnlc,1tion Is from it debt Collector.
7 lOver twenty years ago, Peti,tionerrelinquished all parental
interests in Daughter, at whioh time Daughte1~ was a~opted
b,y deoedent, her grandmother and the mother of Petitioner.
8. ~he will des~gnates petitibner and Daughter as sole and
equal benefioiaries of the estate of deoedent,
9. On or about February 18, 1997, deoedent, Petitioner, and
Daughter agreed to obtl;\in a bank loan for the purpose.of
financing individual obligations of Petitioner and
Daughter.
10 I On Maroh 18, 1997, a loanwas made to deoedent, ,evidenced
by a note in the approximate amount of $25,B6B.OO, seoured
by mortgage on the residence of decedent at'209 Wolfe's
Bridge Road, Carlisle, PA. Themortgag~is attaohed hereto
and made a part hereo.f as Exhibit A. At the time, deoed!lnt
had slow oomprehension and reading abi.lity. 'Sherequeeted
Petitioner to sign the mortgage, although the eecurity
agreement was signed by decedent and Petitioner. The
closing agent Gregory D, Wilson was aware of this
arrangement and had'the dooument witnessed and the
signature, of Petitioner notarized by a notary publio,
albeit such procoqure was not proper, since he did not own,
the premises.
11. The understanding of the parties at the time of the loan
was that the balance of proceeds of $25,344.93 would be
.r ,
1 ; ,I
'. ',.
nil,', ..,,~r,~'~,e!"''''I'III',il~m'lllIlr"~tllm:C~'I11,I:,~lm~'l:~. N,91~~~~''''~,h''',1~0I V,Ir::f: ~','~'I iI,),.!pt~Il~M,I'~pjra1.;'
~':m!MnPl ~.; m~'~lm. IV lV'h,l~T,1 ~rvlil\ ~O~!V~!Il.fjl:"'1 ~'JJ I..t ~U' :~~ "
f:Jn . h. · , '," 'mJ"" 'OIIt1/lftfu:m7 ~:yi1v.."WOlnl ~ I "rniib n'= i~ ~_.
".m =!,., lot:. II\iI~m II ~tr. "PInt.. ~rOl..~.311 = '~"" ~.m WI ' , I
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Mt', BIII'nhlll't. hlld dOIIIIll'ocll.lnnkl'Upt.oy 1Illl1l'oxillllltoly two (:.1). YOIll'S 0111'1101' IInd WIIS .
unllblD to obtuin 'nny lll'ocllt.
Jossio 1...00 Ollmll\Jollnovol' I'ouuivod uny bonofit 1'1'011I this loilll,
MI', BUl'nhlll't. beneflted f'l'o'mthls 101ln, He dosll:lnlltod und utillzod tho monoy ho
bOl'l'llwoclllt his own discl'upon, Ho IIlso lIooms to hllVo mlldo tiinoly pnYll1onts, ovlrlonood
by the laok of dofuult und hilS, by thnt, pl'obllbly l'ostol'od his CI'odit Rating 1'01' futul'o und
unseoul'ed 101lns.
I have subpoonuod tho I'oool'ds (clII'I'ontly ,hold by tho Housohold Illnnnco COl'p,)
Ill' his, dobt, 1'01' ovidonc.o of lilY mothoi,'s slllnod Intontion, (Thoso dooulllOnts 111'0 IIt,tnohad),
'Aoolll'dlng to tho.liiliinl tl'lInsllotion, with "'J'I'lIns Amol'iulI", IUlldul'stood (:hu(: uny bunoflt I
reuelved fl'om MI', BlII'nhm't wns simply "f'nmlly helping fnmlly",
I,:Ilstorloallv. 1I1l}vo ~Ivon MI', Bnl'nhnl't monev strictly, (,Jut of loyaltv t.o,Il1V mothOl'.
He would, fl'om time to timo, mnko such I'oquests of mo bused upon hie Clll'l'cnt flnnnclul
plight, I novoI' made nnv C\ll\t,I'l!ct with him In oonnoctloll with anv IlllymQnt 01'
r(;lDII-Vll1ent bf any loan,
, It Is espeolally dlstl'esslng to me that Mr, BUI'nhlll't would stllto, 1'01' Publlo Dooumcnt
or for private purposes ,thllt he Is my blololllcnl futhol',
'1'0 the bost of my knowlodge. no documont ( thl'ough udoption 01' nctUlI1 birth) nor
medical ovldonco , over existed substantlatinllllls olalm of Dlltortlltv, (Whu'thlll' 01' not'
I pursue ttn Aotlon of POl'sonul Damago it:l Llhl;\I, is II muttor not boforo tho CO\ll.t at this
titl\e, I have attaohed mr QQrlIfiopt9 of Birth for your I'evlew),
Havillg had no knoWlodgo of tho proviBlonSltl my mothol"s Wtll, my "Ill-I,awe" IInd
I \laid for hel', funoraluxponsos,
Aooordillg to MI" Blll'nhlll't's or1llllU\1 petition to this OOlll't, in tho ncoountinlJ of tho
expellsos,ooncernlng taxes due on my I\lothol"s hnuso, J found that he hnd clnltnod puymont
of Roal Estato 1'a"os which I hud actually \laid, My husband's mothel', IIcting liS my'
authorized agent In thts lllnttol',(oopy of which Is IIlso attachod), IInd I WUl'O'suctJossfulln
"clearing up" this, and othcl' such ovol'slghts IInd 01'1'01'S by Ml', BIIl'llhal't by wOl'klng closuly
with Attornoy !Jamos I), Illowol', JI'" who flIod I:ho ol'lgIl\llllllld subsoquuntly corroctud
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IN REI
1 IN '!'HEJ COURT 011 COMMON p!.;mAS 011
1 CUMBmRL^ND COUNTY, ~EJNNSYLVANIA
1
I
I 97.f)lO OR~HANS' COURT
El(::!'VATE or,1
JElS8Im 1.;. CAM~Bru!';L
IN ~E I ~E'rITIQN IIOI~ APPROVAL ol" ~ALlm OF REJAI. ESTATE
ORDER OF COURT
AND NOW, M~y 24, 199~, 2147 p,m" the parties h~ving
~ppeared for a hearing ort the petition of the executor of
the IDstate of Jessie L I Cnmpbell, l:epreaented Py the Flowe);',
law firm, alld having requested permission of t:.he court to
sell real estate belonging to, Jessie Camppell, and Ja\l1es b.
'f.
I '
Flower, , Jr" Esquire, appearing on behalf of the estat,e and
the executor, Johrt Brouj~s, Esquire, appearing on behalf of
J~mes B,arnhart" in his individual capacity, and the m/lnC\gsr
of the local Beneficial ,Loan CompaTlY, Jack Talalai, having
appeared on behalf of Beneficial ix\ regard to, the purported
mortgage'Beheficial holds against the property, and M, J.
Shenk haVing appeared in oourt:. as a friend of Teresa
, ,
Campbell Searfoss, and Ms. Shenk having indicated t.hat she
fs authorized to Bpeak on behalf of Mil. Searfos$ j,n her
business ,operations, the .court has, determined, through tne
reptesentations of all parties in oourt that:., all partie~
are in agreement to a ,'speoific otdar authorizing the sale
of ' the estate real,!;llltat:.e sllbjeot to certain conditions.
Mr, Flower has reoited a proposed order orally into the
reoord 'and will be submitting that order: to theoourt
.IUIl(1 22, Wlln
'rho Honorublo 0001'80 m, Boff\lI', .Judgo
Qumbo,l'llInd COllllty Coul'thouao
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1(t! I ~ 4to:b..
Your BOl1ol'; r#I l'IIf"1~C>oCf 10
1 hllvo OXhllUlltod 1I111'OllSol111blo offol'tll. POl' YOUI' HOl1ol"lllllatl'uutloll, to OIlIlUI'O tho
(\PpOIII'lInee of Ml'8, SOlll'follS ut, tho hOlll'hlg to ho hold 111 youl' (1O\II't on ,JUliO 281h, Wlln, fl'o
. thebost of my kl1llwlodgo, sho l'Ollllllns UMblo to IIppOIll' duo to III houlth,
I pOl'sol'llllly dollVOl'ecl hOI' lottol' to you In t,hisl'Olllll'd, 1'lolIso bo IIIlSUI'oc1, thllt 111m
not, in IIny WilY, "llttolllpUng to 1'0PI'OSOIl(." hOl' liS II LIlWYOI' would, I do howovol', hllvo
peraonnl IIl1d first hllllc1 kllowlodgo of tho "tl'llnlllleUOI1" III dlllpute , ovldolloo thnt, tho Court
should ~o !lPPI'I~ec1 ofooI1001'1l1nglt, /lncl 1I1'00iplont of MI', B/ll'nhlll't'sllllllllult Intho 00l11'1l0
of uttompting to "Ilhow" tho pl'opol'ty In qllolll.lon to 11 PI'ospooUvolnl1c1 dovolopOI', Attol'noy
.Jhnl/lowel' was glvon thla Infol'IllRtiolllllllllor\llItoly fol1owll1!1 tho inoldont,
I a III 11 CI'odltOl' of tho C/Illlpbol1 Estnto 111 illY oWI1t'lght., 1I1lr\ wish to !llvo toatlmllny
to tho COIl\'t l'ogl\l'dlng Ml" O/ll'nl\l\\'t'8 lIotlll118 In ob8tl'Uotlllg tho I'Ightf'ul 81110 of tho
propol'ty .tho aatlsfnotloll of l'lghtful elobt.1l of tho matllto, IIlld IIt,tolllptod fl'lI\Hhllont /lotlol1ll,
Sh(ll't1y Ill' tot' hor Mothol"1l r\ollth, MI's, 801ll'f088 nakod Illonogotllllo bllslnolla
mllttOl'e with I'oglll'd tptho metllto, In hOl' stollel, /l81lho is ul1l1blo to "doni" with !\ill',
BUl'nhl\l't duo to hill pl'evioUIl hOHti\ollctlollll towlIl'd hOI' Ilublloquolltto tvll:ll, OIl'lllpbol1's
domiso, I nlso foollllOl'lIl1y boulld to 1100 justico r\ono, b01'1l of' 11 tl'UU fondnoBs fbI' hOI'
motho~, Joslllo, Sho mllY hllVo not bcenl\blo tu l'Olld 0\' wl'lte, but Ilhe WIIB quick wittod,
intol\lgont, IIlld It loving lllothOI' who WIlS Pl'otootlvu of hol' dIlUghtul',
I would bog Your Honol"lllndulgonoo 1'01' 111.0 to ounvoy to .thu COlll'! MI'S, 80lU'fosa'
wishes, IIIl hnvlng buon glvenhul' POWOI' of nttOI'IIOY, un.\.\: conool'lllng hUI' Mothol"s glltnto [IS
thmlgh sho Wel'e nblo tobu }ll'usont hel'lle11', POl'hll}l1l YCHI1' HOIlUI' wO\lld ncoupt thu
"nuglnont" of..\ Swol'l\.Affldnvlt, on pertlnunt. issuus,f'I'Olll MI'Il, 8\111I'f088, to be pl'usentud lit.
thn hel\l'lng, to nddl'osR dh'ootly, At.hll'llOY Bl'oujos' IItHl MI', Bnl'llhm't'll lloncul'nH,
H08}leotful1y 8ubllllf,l.od,
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Honot'ahlu OOOl'go I~, Hofl'ol" ,ludgo
Cumborlllnd County COlll'thouso
C~l'lIslo, P A 170 Ul
RE: Dobt I1sslg11lnont connlot
Cnmphell Estuto '
NO,I007.00010
SWORN AFFIDAVIT
Your Honor:
,I hnvo boonlnfol'mod hy Mrs, Shonk, O1yolnisslll'y [IS Attornoy.in.fnot, thnt Mr,BlIl'nhnrt
testified lit the Henl'lng on Juno 281h,101l0, oonofll'nlng his opinion thnt I owod him a deht.
" olos 11\I'o documonts of tho '1'I'nn8for of '1'Itlo wbloh I obtulnod fl'on1 "Ponn 0,0.'1',",
thoy l'e oct tho 'l'axlUxumpt Stlltus,thnt MI', BI\I'I11\111't l'oqu08tod, I1S holngl1 gift from ono
I'elntlve to llnothol',
Ido not oWO MI', BU1'nhart,nny monoy, Itl fuct, ho owos tno nnd my In.luw!! monoy fot'tho
oxponsoslnclIl'rod to but'y my, Mothor, Ho did ntlt 01'1'01', contl'ibuto 01' muko I1ny llttompt tp pay
thorn buck for this monoy, which us u tho Exooutol' of hor wlll uno oAtuto. he should hllVO, at
loust aeknowludgod I1S 1I1'lghtful dobt tathom, .
, I'ms\tl'e It lij olenr to tho Court, by now, thnt the loun ot'l'ooted through tho '['I'uns.Amol'loo .
Compony was, IInd nevel' did, Include mo I1S II \111l'ty tothnt oontrndt:, As (ll'ovlously stuted to tho
Court, this was a contrl1otunlugreoment b~t\voon mothol' nnd so'n, tho provisions of whloh onn
nOVel' bo tl'll\y known, 'I'hlsls u debt owed by Mt', Dllrnhl1l't, H\l, nnd only he, nuthorlzod tre
dlsblll'soment of tho mllnoy reoolved, 'I'hls uotlon,ls evldont uocol'ding to the fOl'l11S (attuohedl+
which MI', Bro\llos fot'WUI'dod to mo on July 3"',lIl00), nnd benl's his slgnntlll'e,
I nlso wish to bl'lng to the COlll't's nttontlon tho \I1nttel' of 00ll1p1ll1noo by MI' Bnl'nhlll',t
with the CO\ll't's Ol'dol' oonool'lllng his pel'mlsslon to pUl'chn8otho ostuto pl'opel'ty , 209 Wolfs
Bridge I~ourl Cal'lIslo, PA, It hus oomo to my nttont,llln thnt MI', ~ Hnl'nhnrt, Not Mi',
JUll)OS Bnl'nhnrt ,Is uotulIlly going to be the pUl'chusol' of this Dl'Dlll!rtv I This Is In dlreot
oppqsltlon,to YOUI' Honor's Ol'der, Ol'nntlng the EXeO\ltOl';,Mr, ,lnmos BIll'l1hnrt to purohuse
this propol'ty, If this Is found to bo the OI\SO nl1ll Mr, JOl1l0S Bal'll1\nl't is unuble to seoul'O the
neOOSSal'y funrls on his oWl1, thon it, Is l'onsonf\ble thnt tho property should bo sold "on the
opon market" 1'0\' the newly n8sessod vnluo, llS I previously roquosterl,
I trust th!tt YOllr Honol' wlll deCldo this onth'o l\\l\ttol'lnllocOl'dnnoo with tho lrlWS of this
OomlnOllwoulth, oonOOl'nh1glognl dobt nnd th(l ndhel'onco to un Qrrlol' of COUl't,
NOTARIAl. ilEAL
EdWard 0, Fledderjohn, Notary Publlo
Newbeny Town'hlp, York OountY
M'ICCIllI\IM',)" ~rr ,~~ floIhrulllY..l
Slnoorely,
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July Hlli,WlI1I
Hllnm'ublo 0001'110 B, Hoff 01'. .J,uHllo
, O\lInbOI'll\nd County COUl't Houao
OUI'lIslo, PA 170la
R1~: CUll)\lbollIMl\to .
I,nok of J':%tlfiontlon
l~ll1' Contln\llld HeUl'lng
NO, JOIl7.()()010
"
,
YOIll' Honm':
As 1\ OI'lldltol' to tho Ol\mpbel\ ]~Stllto, ~ wn8 not glvenpl'opol' notloo of tho
, oxnofthllo nnelduto of tho HOI\l'inll thnt you'm'elol'ud oont!nuud fl'om tho HOl\l'hllI
Juno 2811i,lIlllll, MI'/I, 801\l'foss , ulsD, wns not lllven Pl'OPOI' ,\lOtioo by Attol'ney ,
UI'OUJOS, 1\8 youlnstl'uotod him (,0 do,: It I/ln mnttol' of HOOlll'd thnt MI', Bl'oujos hus
objootod to my pl'osonoo unel youI' ullownnoo of mil to uddl'OSS tho COUl't OnISS\I\lS of
oon,oo I'll , 'I'he COUl't is UWUl'O of my intol'ost In this ouso und my fulthful nttondnnoo
ut OV01'y Houdng whon pl'OpOl' notioo wns nfflll'elod mo" It dofios nil 101110 Ilndl'el\Slln
thl\t had] l'oooivod suoh pl'opm' notloo, thl\t ] would simply "not show up"l Tho
fundumental pl'lnolploof I\doquuto und Pl'OpOI' noUod hus lonll boon I'acollnizod by
~heU,S, Supl'oma Coul't to ansul'otho full' undll1l\lHI'Uul oonsldol'ntion of nil
uvullublo fuots tOI' tha oonsldol'utlon of the OOUl't us well lis lllvo 1\1l111tel'ostod
pl\l'tles un opplll'tunlty to suoh pl'ocaodlnlls so thl\t thell' oPPOI'tunlW to oxpl'ess ull
conOOl'ns, quostlons und p8l'tlnont ovidonoo mny bo pl'opOl'ly I\ddl'e/lsod tll tho 1'1'101'
of Faot, 'rhis alliml)OI'tartt U1'ooed\ll'e was not nooomnllshed by MI', Bl'outosand no
vel'ifloat\on of anv of the I'aoull'od sel'v10e has boon modo 'a' ual't of tho file. I
l'eq\j(Jst tho l'o.oponlng of tho Issuos 1'01' whloh thlrilutos,t honl'il11! wus soheduled und
plioPlll' notloobe sel'ved uJlon mo und Ml's. Soul'foss IiO thut wo muybe heUl'd In
Ol'del' 1'01' the COUl't to l'endel' u 1'1\\1' undinfol'meel doolslon, und Ol'del', oQIlOOl'nlng
tholUsfuto Dllbt ll\uttol'S,
YOUI' HanOI' wns gl'l\Qious onoullh to atl'otoh tho \ls\l1l1 oontost pl'OCO~S 1'01' tho
,- -' ,. - ,.- -. .
pl'oduotion of avldonco(d ue to tho !';lIok of 01' lInlhu'o on Ml', BI'ou]os' PII1't to do
so in DI'dol' to suhatl\llUl\to Ml', 13 lIl'l1h 1I1't'fj olnhllS),aVl.ln tho\lgh thoy hud IImplo
timo, notloo .1\l1Cl oPPol'tunity with whioh (:0 offal' ~uoh C10Ul' nnd oonVlnohllI eV,ldonco
,July O,lllllll
'Pho HonOl'uhlo OUUI'l-lO JD, Hoffor
Cumbol'llIne! County Centl'thuuso
Onrlislo, PA 170ja
IU~: HOIII'Inl! for.
(J/lllIpbell gstato
NO, 1007.00010
mnQums'l' '1'0 Hm.OPlnN 'I'HID CON'I'INUND HillAIUNO
Your HonOl',
'I'hol'o 111'0 IIddiUonlll fuota of whioh you slwuld be IIWUI'O ill (wdol' to
cloarly define tho nlorlts,of tho I'oquost thllt I inll,tallycommunloatod, by "FAX"
yesterdlly,.July8th,lIlIlO,
I UI,Il Inrooolpt of tho mutel'i/lls und lottol' thllt MI', BI'oujoo sont, by I'ogulnl' mull,
to MI'S, SouI'f08S, Sho "fuxed" thom to mO, on tho dny sho rocolvod t,hom, from the
MIdi Boxe8 oto, 100utlo111n Chumborsb\H'Il. PA, 'I'hoso dooumol\ts bolli' tho timo, duto, und
pluoo of Ilrlgln whioh 111'0 elootronloully impl'lntod on tho top of tho pUIlO, Sho l'ecoived
thoso dooumonts all July 2'1<1,1009 und.fllxod thom on thut duto, Your Honor's Ol'del' of
Oourt wus signed on that duto, 'I'hose OOOlll'l'enoes prosont the Impo~slbl1lty thut sho wus
given propel' notioo by MI', Rroujos conoornlng the Court's sottlng of a timo and dute for
the untlclputed honrlng to tuko plncol I. !IS u knowll EState Creditor to Mr; Broujos, was
not given Ilny wrltt,en notico, Ho did however tolephono mo on tho 'l'ueadllY prior to the
heurinll und told me thllt the pondirtg henring WIIS at 11:30AM , on July8th,J9001 This
ol'ronoouslnfOl'mlltion' muy huvo boon u mlstuke on his part, but It oertulnly dOOSIUlt
l'OplllCO proper notlfioatlonl
I'm SUI'O YOll 1'001111 giving Mr, ill'oujos pointed InsthlOtlon , onJ\lno, 28th,W99, at
thllt heuring's oonoluslon, conoernlnll his 11)88 thnn doslruble seoond hund mothods pf
notifying Mrs, Selll'foss ooncol'nlng tho Jll'ovloUB lDstuto HOIll'lnl!,
I sooms to mq"thl'lt olthOI'MI', 13l'o\lj08 Is "getting on In age'land Is fOl'gotful, 01' ho
hus nowJ&.illll. attomptod to subotllge Justico IInd tho Hourlng pl'OOOSS before this Courtl
WlIl tho OOUl't plOIlSO, duo to tho so elt'oulnstllnoos IIndthoso Pl'OVlollslyconveyed,
oonoernlng PI'OP01' Notioo, 01'nnt my roquest, liS fI Cl'odltOl' to the Estuto und duo to Just
Clluso,tO Ro.Opon this I11l1ttol' In tho Intol'ost of Justlco. (pl'OpOI' document will be sent
an(1 slgHod)
'I'hllnk You,
M',I, Shonk
'-11t't(f ~~
.
PA Fill;l No
P<\ge 1
10J:;l0/2002
2l97-COSJlO
1127,1310302002
ROl'/G21 .
File No 1~~7-00~10
Decedl;lnt CAMPBELL JESSIE
Cumberland county ~, Regiater oe Willa
LEE
Docket Entriea
O/llJ ~!Ud
No,
001 1l/14/~7
002 ').,l/20/~7
003 12/03/~7
004 02/10/~8
PETITION FOR PROBATE AND GRANT OF LETTERS TESTAMENTARY
OATH OF PERSONAL REPRESENTATIVE
DEATH CERTIFICATE
DECREE OF PROBATE AND GRANT OF LET'rERS T,ESTAME:N'rARY
CERTIFICATION OF NOTICE UNDER RULE 5,6(A)
CLAIM AGAINST ESTATE: - BANKCARDAS80CIATES
,005 08/04/~8 PETITION FOR APPROVAL OF SALE OF REAL ESTATE TO HAVE E:FFECT
OF A JUDICIAL SALE IN ACCORDANCE: WITH 20 PA, CiS,A, 3353 '
006 0~/02/~8 ORDER TO CONTINUE HE:ARING
,007 10/27/9B CLA1M AGAINST ESTATE:
OOB 03/24/S19 PET,I,'l'ION RE8UESTING JUDICIAL DETERMINATION OF THE DEBT OF
ESTATE AND RDER OF COURT-GEORGE E, HOFFEiR p,J,
009 0;./24/9fJ PETITION 1'01\ APPROVAL OF SALE OF REAL ESTATE TO HAVE E:FFECT 01<' A
JUDICIAL SALE IN ACCORDANCE: WITH 20 PA,C,S,A.3353
ORDER OF COURT-JUDGE HOFFER
010 04122/.~9 CERTIFICATE OF SERVICE
0;1.1 04/3C/g9 ADDENDUM'TO CERTIl<'ICATE OF SERVICE
012 ()!5/19/9.~ RE:SPONSE TO ALLEGED INDEBTEDNESS
013 06/27/99 dl\DER OF COURT- JUDGE HOFFER
014 OS/2B/9~ ORDER OF COURT- TO SELL REAt ESTATE-JUDGE HOFFER
015 06124/9~ LETTER~ROM M.J. SHENK
01G 07/02/99 ORDmR - .:JUDGE, HOFFER, P,J,