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IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY
~
STATE OF
KIM E. 1lUNI.III',
Plaintiff
VERSUS
RIaiARO S. llUNLI\P,
Defendant
AND NOW,
DECREED THAT
AND
PENNA.
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No. 99-2092
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DECREE IN
DIVORCE
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M.~<-~ ,.,. tI"
?nnn ,IT IS ORDERED AND
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KIM E. llUNLI\P
, PLAINTIFF,
RICHARD S. DUNLAP
, DEFENDANT,
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ARE DIVORCED FROM THE BONDS OF MATRIMONY.
THE COURT RETAINS JURISDICTION OF THE FOLLOWING CLAIMS WHICH HAVE
BEEN RAISED OF RECORD IN THIS ACTIO~J FOR WHICH A FINAL ORDER HAS NOT
YET BEEN ENTERED;
All matters have been resolved pursuant to the Marital Settlement Agreement
dated October 16r 2000 shall be incorporated but not merged into this
Divorce Decree,
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By THE COURT: J
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( PRO HONOTARY
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MARITAL SE1TI.EMENT AGREEMENT
THIS AGREEMENT, made this/C&> -ll.d3y of oct~c.....-' ,2000, by and
between RICHARD S. DUNLAP, hereinafter referred to as "HUSBAND", and KIM E.
DUNLAP, hereinafter referred to as "WIFE".
WITNESSETH, That:
WHEREAS, the parties hereto are husband and wife, having been lawfully joined in
marriage on June 3, 1989, in Harrisburg, Dauphin County, Pennsylvania;
WHEREAS, two (2) ehildren were bom of this marriage; Blain Stuart Dunlap born
February 6, 1992 and Mia Ann Dunlap born July 26, 1994;
WHEREAS, it is the intention of the parties to settle fully and finally their respective
finaneial and property rights and obligations as between each other arising out of the marriage
rela1ionship or otherwise, including without limitation (1) the settling of all matters between
them relating to the ownership of real and personal property; (2) the settling of all matters
between them relating to the past, present and future support and/or maintenance of HUSBAND
and WIFE; and (3) the settling of all matters between them relating to any and all rights, titles
and interests, claims and possible claims in or against the estate of the other.
NOW THEREFORE, with the foregoing recitals being hereinafter incorporated by
reference and deemed an essential part hereof in consideration of the foregoing recitals, the
mutual promises, covenants and undertakings herein set forth, and for good and valuable
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considemtion, receipt of which is herehy acknowledged hy each of the parties hereto,
HUSBAND and WIFE, euch intending to be legally bound hereby. covenant and agree as
follows:
I, AI>VICE OF eOlJNSEL
IIUSBAND and WIFE declure that they have each had a full and fair opportunity to
obtain independent legllllldvice of counsel of their selection. WIFE has been independently
represented hy Barhara Sumple-Sullivan, Esquire.
IlUSBAND is cognizant of his right to legal representation and declares that he has
chosen not to retain an attorney notwithstanding the fact that attorney for WIFE has told him that
he has an absolute right to be represented by an attorney. HUSBAND has chosen instead to
negotiate directly with counsel and/or with his WIFE. HUSBAND hereby acknowledges that he
has done so willingly and the he fully understands the facts and has been fully infonned and
understands that, had a Court decided this matter, he may have received more or less than is
provided for in this Agreement. HUSBAND knowingly waives his rights, if any, to utilize the
lack of his legal representation as a basis to attack the validity of this Agreement.
Both parties further acknowledge and agree that each has fully disclosed their respective
financial situations to the other, including their assets, liabilities and income. Each of the parties
acknowledge and agree that, after having received such infonnation and with such knowledge,
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this Agreement is fair, reasonable and equitable and that it is being entered into freely,
voluntarily and in good faith and that the execution of this Agreement is not the rcsult of any
duress, undue influence, coereion, collusion and/or improper or illegal ^grecment,
2. PERSONAL RIGHTS
HUSBAND and WIFE may and shall, at all times hereafter, five separate and apart. Eaeh
shall be free from all control, restraint, interference or authority, direet or indirect, by the other in
all respects as if she or he were unmarried, except as may be necessary to carry out the provisions
of this Agreement. Each may reside at such place or places as she or he may select. Eaeh may,
for his or her separa1e use or benefit, conduct, carry on and engage in any business, occupation,
profession or employment which to him or her may seem advisable. This provision shall not be
taken, however, to be an admission on the part of either HUSBAND or WIFE of1he lawfulness
of the causes which led to, or resulted in, the continuation of their living apart. HUSBAND and
WIFE shall not molest, harass, or malign the other or the respective families of each other, nor
compel the other to cohabit or dwell in any manner with him or her, nor in any way interfere with
the peaceful existence, separate from each other.
3. DEBTS
Each party represents that they'have not contracted any debt or liability for the other for
which the estate of the other party may be responsible or liable except as otherwise provided
herein, and that except only for the rights arising out of this Agreement, neither party will
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hcreullcr incur uny liubility whatsuever for whieh the other party or the cstate of the other party
will he Iillhle. Fnch pun)' nllrees IU indemnify and hold harnlless from and against all future
uhllllulions or every kind incurred hy them, including thosc for neccssitics.
Additionally, IIUSBAND shall be solely liablc and responsiblc for the Scars credit card
nnd 1'1'&J.liubilities which ure in his name ulonc. IlUSBAND agrces to indcmnify and hold
WIFE hurmless from each of the aforcmentioned dcbts. HUSBAND furthcr agrees to be
rcsponsihle for nllauorneys' fees incurrcd by WIFE in defcnsc of any claim or suit brought
against her arising from uny debt ineurrcd during thc murriagc,
HUSBAND funhcr agrecs to pay one-half(I/2) of WIFE's attorncy fees, costs and
cxpcnses ussociated with this divorcc action. HUSBAND shall pay said fces within sixty (60)
days of presentation of dcmand by WIFE.
The parties acknowledge 1hat sincc scparation WIFE has paid all dcbts associated with
the marital residcnce. This includes but is not Iimitcd to all utilitics, improvcments, all taxes
(including the taxes that wcre delinqucnt as of the parties' separation for the years 1997, 1998,
and 1999 and the currcnt taxes) and any other expenses associated with the marital residence,
Said payments made by WIFE on the delinquent taxes werc in excess 01'$3,500.00. Presently, all
taxcs associated with the martial residence are currcnt.ÿ
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To the best of the parties' kllowledge, the parties amnn no joint debts exist except the for
the first mortgage associated with thc marital residence which are addressed in Paragraph 6 of
Ihis Agreement.
4. WAIVER OF APPRAISAL AND INVENTORY
The parties acknowledge and agree that they have each had an opportunity to value or
have appraised any and all marital property, and they do hereby waive a fonnal appraisal and
inventory of same, and no statement or representation by either party as to value shall be deemed
a misstatement or misrepresentation to the other or be deemed fraudulent.
5. MARITAL AND NON-MARITAL ASSETS
HUSBAND and WIFE do hereby acknowledge that they have heretofore divided the non-
marital assets and marital assets including but without limitation, jewelry, clothes, furniture, and
other assets wherever situated whether real, personal or mixed, tangible or intangible.
HUSBAND agrees that with the exception of a stereo, a grandfather's clock, dishes, and certain
pieces of furniture that his family gave to him, all assets in the possession of WIFE shall be the
sole and separate property of WIFE. HUSBAND agrees that he shall remove from the marital
residence the stereo, grandfather's clock, dishes and furniture given to him by his family within
sixty (60) days of the execution of this Agreement. If HUSBAND does not remove these items
within this specified time, it is agreed that he shall relinquish any interest, right or entitlement he
may have in same and WIFE shall be free to dispose of these items as she sees fit.
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WIFE ag=s that all assets in the possession of IIUSBAND shall be the sole and separate
property of HUSBAND. Each of the panics do hereby specifically waive, release, renounce and
forever abandon whatever claims, ifany, he or she may have with respect to any of the above
said items which arc the sole and separate property of the other,
This document shall constitute a bill of sale for said sole property.
6, REAL ESTATE
The panies built a home on a tract of land th.t WIFE had received as a gift from her
parents, Richard and Barbara Banks. Said property is held jointly by WIFE and her parents. This
property is subjec1 to a mortgage with Harris Savings with an approximate balance of FIFTY-
THREE THOUSAND FIVE HUNDRED DOLLARS ($53,500.00). HUSBAND is jointly
obligated on this debts with WIFE and her parents. It is acknowledged that WIFE has been
paying these obligations since the parties' separation as well as all taxes associated with this
property.
HUSBAND agrees to convey any interest, right or title he may have in this real estate to
WIFE, HUSBAND agrees to execute a deed simultaneously with the execution of this
Agreement wherein he quitclaims, assigns, conveys and transfers to WIFE all of his interest, right
and title in the marital residence. WIFE agrees to assume responsibility for 1he payment of the
unpaid balance of the mortgage, together with any interest, penalties and costs as well as any
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other taxes and insurance and associated with the real estate. WIFE hereby agrees 10 indemnify
and hold IIUSBAND harmless from uny and nllliahility as a result (lfnon.payment of the
mongage or any other dehts associated with the real estate. All rights, title and interest of
HUSBAND, or any payments made by him shall be credited to WIFE in the event WIFE must
file litigation to clear Richard and Barbara Banks' ownership interest from the property.
7. MOTOR VEHICLES
WIFE shall have sole title and ownership of her 1986 Toyota 4x4 Truck which was sold
for $1.00 as scrap after separation as inoperable. WIFE shall also have sole title and ownership
of the parties 1982 Ford Econoline Van. The title for this vehicle is lost. HUSBAND agrees to
sign any and all documents necessary to obtain a new title and to transfer his interest in this
vehicle to WIFE. Neither of these vehicles are encumbered.
HUSBAND shall have sole title and ownership of the parties' Lincoln Town Car which is
presently at Shover's salvage due to an accident HUSBAND had shonly before his relocation.
This vehicle is not encumbered. WIFE agrees to sign any and all documents necessary to transfer
her interest in this vehicle to HUSBAND. HUSBAND shall be solely responsible for any and all
costs, including storage and towing, etc. associated with this vehicle as well as indemnify and
hold WIFE harmless from any and all costs arising out of the accident, towing, or storage ofthe
vehicle.
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8. PENSION
Each pany hereby waives any and all claims that he or she may have against the other to
any pension, employee saving, stock benefit program or any other employment benefit of the
other, if applicable,
9. BANK ACCOUNTS. INVESTMENTS AND LIFE INSURANCE
Each pany shall have sole possession of the bank accounts, investments and/or life
insurance in 1hcir own names. HUSBAND will transfer his interest in his life insurance policies
and bonds to WIFE for the benefit of his children, Blain and Mia.
10, MUTUAL WAIVER AND RELEASE OF RIGHTS AND CLAIMS
CONFERRED BY THE PENNSYLVANIA DIVORCE ACT OF 1980. AS
AMENDED
HUSBAND and WIFE acknowledge and agree that the provisions of this Agreement ore
fair, adequate and satisfactory to them. Both panies agree to accept the provisions set fonh in
this Agreement in lieu of and in full and final settlement and satisfaction of all claims and
demands that either may now or hereafter have against the other for equitable distribution,
alimony, alimony pendente lite, counsel fees, costs and expenses or other provisions for their
suppon and maintenance before, during and after the commencement of any proceeding for
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divorce or annulment between the panies.
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II, AFTER ACOlJlREn P.:RSONAI. PROPERTV/FIITURE EARNINGS
Each of thc parties shall hereafter own 1I1ld enjoy independently of any claim or right of
the other, all items of personal property, tangible or intangible, hercafter acquired by HUSBAND
or WIFE, with full power in him or her to dispose of the same as fully and effectively, in nil
respects and for all pUrposes, as though he or she were unmarried.
12. ALlMONV. SUPPORT AND MAINTENANCE
Both parties acknowlcdgc and agrcc that thc provisions of this Agrcement providing for
equitable distribution of marital property are fair, adequate and satisfactory to them and are
accepted by them in lieu of and in full and final satisfaction of any claims or demands that either
may now or hereafter have against the other for support, maintenance or alimony. HUSBAND
and WIFE further, voluntarily and intelligently, waive and relinquish any right to seek from the
other any payment for spousal support, alimony and maintenance.
13. CUSTODY AND VISITATION
Legal and primary custody of the children shall be in WIFE. HUSBAND shall have
flexible rights of visitation, as the parties can agree.
14. SUBSEOUENT DIVORCE
A decree in divorce, entered by a court of competent jurisdiction to either party, shall not
suspend, supersede or affect the terms of this Agreement. Both parties agree to enter a Consent
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Decree concerning the provisions of this Agreement in the Court of Common Pleas of
Cumberland County, Pennsylvania, or any other Court of competent jurisdiction, as a part of a
resolution of any divorce action filed. This Agreement, and the terms and conditions contained
herein, as well as the enforcement of said tenns and conditions, shall not be contingent upon the
granting of a Divorce Decree to either party by the Court of Common Pleas of Cumberland
County, Pennsylvania, or any other Court of competent jurisdiction. Furthermore,
simultaneously with this agreement, both parties hereto agree to execute the appropriate
affidavits and consents to secure a No-Fault Divorce as may be required by the Divorce Code of
1980, as wnended. Both parties hereto agree that this Agreement may be incorporated for
purposes of enforcement into a separate Court Order but shall not merge in such order in the
Court of Common Pleas of Cumberland County, Pennsylvania.
15. OTHER DOCUMENTATION
HUSBAND and WIFE covenant and agree that upon request of the other party, they will
forthwith execute and deliver 10 the other party, any and all written instruments, assignments,
releases, satisfactions, deeds, notes or such other writings as may be necessary or desirable for
the proper effectuation of this Agreement.
16. MUTUAL W AIVER AND RELEASE OF RIGHTS AND CLAIMS IN
ESTATE
Each party hereby releases, waives and relinquishes any and all rights which he or she
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may now have, or may hereafter have, against the other pany under the present or future laws of
any jurisdiction (a) to share in the estale orlhe other pany upon the olher pany's death and (b) to
act as executor/rix or administrator/rix of the other pany's estate.
17, MUTUAL RELEASE
HUSBAND and WIFE each do hereby mutually remise, release, quitclaim and forever
discharge the other and the estate of such other, for all time to come, and for all purposes
whatsoever, of and from any and all rights, title and interests, or claims in or against the property
(including income and gain from propeny hereafter accruing) of the other or against the estate of
such other, of whatever nature and wheresoever situate, which she or he now has or at any time
hereafter may have against such other, the estate of such other or any part thereof, whether
arising out of any fonner acts, contracts, engagements or liabilities of such other or by way of
equitable distribution, dower or curtesy, or claims in the nature of dower or curtesy of widow's or
widower's rights, family exemption or similar allowance, or under the intestate laws, or the righ1
to take against the spouse's will, or the right to treat a lifetime conveyance by the other as
testamentary, or all other rights of a surviving spouse to participate in a deceased spouse's estate,
whether arising under the laws of (a) Pennsylvania, (b) any Slate, commonwealth or territory of
the United States, or (c) any other country, or and rights which HUSBAND or WIFE may have or
at any time hereafter have for the past;present or future support or maintenance, alimony,
alimony pendente lite, counsel fees, costs or expenses, whether arising as a result ofL'le marital
relation or otherwise, except, and only except, all rights and Agreements and obligations of
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whatsoever nature: lIfisinll or which may arise undcr this ^llfCCmcnt or for the breach of any
thereof.
Each of the parties hereto further covenants and allrecs for himself and herself llI1d his or
her heirs, executors, administrators and assigns, that he or she will never, atlll1Y time hereafter,
sue the other pnrty or his or her heirs, executors, administrators and assigns, for the purpose of
enforcing any of1he rights relinquished under this paragraph, Each of the parties further
covenants llI1d agrees that he or she will pennitlll1Y will of the other to be probated llI1d allow
administration upon his or her personal, real or mixed estate llI1d allow effects to be taken out by
the person or persons who would have been entitled to do so had HUSBAND or WIFE died
during the lifetime of the other. Each of the parties hereby releases, relinquishes and waives llI1Y
llI1d all right to act as executor or executrix or administrator or administratrix of the other's estate.
It is the intention of HUSBAND llI1d WIFE to give to each other by the execution of this
Marital Settlement Agreement a full, complete and general release with respect to llI1Y and all
property of any kind or nature, real, personal or mixed, which the other now owns or may
hereafter acquire, except and only except all rights and Agreements and obligations of
whatsoever nature arising or which may arise under this Agreement or for the breach of any
thereof.
18. SUCCESSOR'S RIGHTS AND LIABILITIES
This Agreement shall, except as otherwise provided herein, be binding upon and inure to
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STATE OF CulcmdD
COUNTY OF attldv"
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) SS.
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Before me, the undersigned officer, a Notary Public in and for said Commonwealth and
County. personallyappearcd RICHARD S. DUNLAP, who being duly affinned according to
Jaw, dcposcs and says that the facts and mailer sel forth in the within and foregoing Marital
Settlement Agreement are true and COrTectto the best of his knowledge, infonnarion and belief.
Affirmed and subscribed to before me this ~t day ofLttl::h tr.. 2000.
~fC)
My commission expires: My Commission
ExpIres 5/31/2004
COMMONWEALTH OF PENNSYLVANIA
COUNTYOF t~tn6eJaJ
)
) SS.
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Before me, the undersigned officer, a Notary Public in and for said Commonwealth and
County, personally appeared KIM E. DUNLAP, who being duly affinned according to law,
deposes and says that the facts and mailer set forth in the within and foregoing Marital
Settlement Agreement are true and correct to the best of her knOWledge, infonnation and belief.
subscribed to before me this / (p-/h day o~ ,2000.
NOTARY PUBLIC
My commission expires:
(SEAL)
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9arIlBnI_.......--.. NoI8ty Public
Now QImbo,bld 80m, CuoilerIoril County
COIl . . "" EIpfrei NOlIlll.,ta 16. 2003
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KIM E. DUNLAP,
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 99-2092
RICHARD S. DUNLAP,
Defendant
IN DIVORCE
CERTIElCATE OF SERYiCE
I, Barbara Sumple-Sullivan, Esquire, do hereby certify that on this date, I served a true
and correct copy of the foregoing Plaintiffs Praecipe to Transmit Record, in the above-
captioned matter upon the following individual by first class mail, postage prepaid, addressed
as follows:
Mr. Richard S. Dunlap
3100 Broadway Avenue, ApI. 102
Boulder, CO 80301
DATED: October 27,2000
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~ ra Sumple-Sullivan, Esquire
I~:~ Bridge Street
New Cumberland, PA 17070
(717) 774-1445
Supreme Courtl.D. No. 32317
Attorney for Plaintiff
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KIM E DUNLAP.
Plaintiff
: IN TIlE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO, 99-2092
RICHARD S. DUNLAP.
Defendant
CIVIL ACTION - LAW
IN DIVORCE
AFFIDA VIT OF SERVICE
I, Barbara Sumple-Sullivan. Esquire, do hereby certify that a copy of the Complaint In
Divorce in the above-captioned mailer was made by personal service by Constable, Walter A.
Klinefelter, Jr., on the above-named Defendant, RICHARD S. DUNLAP, on May 6, 1999 at
4:22 p.m. at Defendant's work place: Book-Of-The-Month Club, 1225 South Market Street,
Mechanicsburg, PA 17055. The original Record of Service is allached hereto as Exhibit "A".
1 hereby certify that the facts set forth above arc true and correct to the best of my
knowledge, information and belief. I understand that any false statements made herein are subject
to penalties of 1 g Pa. C.SA 94904 relating to unsworn falsification to authorities.
(;?
Dated: May _, 1999
( Barbara Sumple- ullivan,
549 Bridge Street
New Cumberland, P A 17070-1931
(717)-774-1445
Supreme Court ID #32317
Allorney for Plaintiff
RO. 99-.1~9.i kl/ft1B~.e;.IlNP (!t/, .
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Kim F. ~UIIIL.Il'"
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KIM E. DUNLAP,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99-2092
v.
RICHARD S. DUNLAP,
Defendant
CIVIL ACTION - LAW
IN DIVORCE
WAIVE~_OF NOTICE OF INTENTION TQRE.QlJEST
ENTRY OF A DIVOItCE.DECREE-UNDER
g33Ol{l:) OF THE DlYORCE CODE
I. I consent to the entry of a final decree of divorce without notice.
2. I understand that I may lose rights concerning alimony, division of property,
lawyer's fees or expenses if I do not claim them before a divorce is granted.
3. I understand that I will not be divorced until a divorce decree is entered by the
Court and that a copy of the decree will be sent to me immediately after it is filed with the
prothonotary .
I verify that the statements made in this affidavit are true and corrert. I understand that
false statement herein are made subject to the penalties of 18 Pa.C.S. ~4904 relating to
unsworn falsification to authorities.
DATE: !O'/;)'OO
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. KIM E. DUNLAP
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KIM E. DUNLAP.
Plaintiff IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY. PENNSYLVANIA
CIVIL ACTION - LAW
VB. NO, 99 - 2092 CIVIL 19
RICHARD S. DUNLAP.
Defendant IN DIVORCE
STATUS SHEET
DATE:
ACTIVITIES:
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OFFICE OF DIVORCE MASTER
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
9 North Hanover Slreel
Carlisle, PA 17013
(717) 240-6535
E. Robert Elicker, II
Divorce Master
Trecl .10 Colyer
Olliee ManagertReporter
West Shore
697.0371 Ext. 6535
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October 18, 1999
Barbara Sumple-Sullivan
Attorney at Law
549 Bridge Street
New Cumberland, PA 17070
Richard S. Dunlap
Book-Of- The-Month
1225 South Market Street
Mechanicsburg, PA 17055
RE: Kim E. Dunlap vs. Richard S. Dunlap
No. 99 - 2092 Civil
In Divorce
Dear Ms. Sumple-Sullivan and Mr. Dunlap:
Attorney Sumple-Sullivan has returned the certification document
which was dated September 1, 1999, indicating that she needs a date of
separation value of husband's 401(k) and cash value of his life insurance
policy. Mr. Dunlap has not responded.
i
In order to move this matter forward, I am directing attorney
Sumple-Sullivan and Mr. Dunlap to each file a pretrial statement in
accordance with P.R.C.P. 1920.33(b) on or before Friday, November 5,
1999.
The complaint in divorce filed on April 9, 1999, raises the economic
claim of equitable distribution.
Upon receipt of the pretrial statements, I will immediately schedule
a prehearing conference with counsel and with Mr. Dunlap, if he remains
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KIM E. DUNI.AP,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO, 99 - 2092 CIVIL
RICHARD S. DUNLAP,
Defendant
IN DIVORCE
RE:
Pre-Hearing Conference Memorandum
DATE:
Thursday, April 6, 2000
Present for the Plaintiff, Kim E. Dunlap, is
attorney Barbara Sumple-Sullivan. The Defendant has not
appeared nor has any attorney appeared on his behalf,
This action was commenced by the filing of a
divorce complaint on April 9, 1999, raising grounds for
divorce of irretrievable breakdown of the marriage and
indignities. We are not certain as to whether or not
husband will sign an affidavit of consent so that counsel
for wife is going to file an affidavit under Section 3301(d)
averring a separation of two years. This affidavit can be
filed after August 31, 2000, when the parties will have been
separated for the two year period.
The parties were married on June 3, 1989,
and are the natural parents of two minor children, Blain 5.,
born February 6, 1992, and Mia Ann, born July 26, 1994.
The complaint also raised the economic claim
of equitable distribution. No other claims have been filed
in the action.
Wife is 38 years of age and resides at 8
Amity Lane, Mechanicsburg, Pennsylvania. She shares the
residence with the children and her husband, who is also
living in the house, although the parties are living
separate lives. Wife is a high school graduate and is a
computer specialist with the Naval facility in
Mechanicsburg. Her annual gross income is around
$35,000,00. She has not raised any health issues.
Husband is 38 years of age and resides at 8
Amity Lane, Mechanicsburg, Pennsylvania, with the wife and
the children, although he is living in a separated status.
He is a high school graduate and works as a computer
operator for Book-of-the-Month, His annual gross income is
around $35,000.00. He has not raised any health issues,
although counsel for wife has indicated that one of the
problems in this marital relationship has been husband's
addictive personality related to his abuse of alcohol.
The home where the parties are living is
owned by wife and her parents. Wife has a one half interest
in the property and her parents have a one half interest,
Attorney Sumple-Sullivan has a market analysis showing a
value of between $113,000.00 and $121,500,00. An appraisal
was done of the property on February 10, 1989, showing a
value of $75,000,00. The Master is going to have attorney
Sumple-Su1livan address how she intends to approach, from an
evidentiary point of view, the marital interest in this
property.
The parties have three vehicles, a 1982
Econoline Van, a 1986 Lincoln, and a 1986 Toyota truck,
Counsel are going to determine whether we need to consider
any values for these vehicles in the equitable distribution
computation,
Counsel have indicated that no values for
household tangible personal property will be used in the
equitable distribution computation,
Wife is a participant in the FERS Retirement
System and counsel for wife has indicated that the
distribution of that pension should be by a Qualified
Domestic Relations Order. Wife also has a thrift savings
plan with a value of around $11,000.00.
Husband has a 401(k) plan and counsel does
not yet have a value for that plan and, if necessary, will
have to file a petition with the Court demanding discovery
to determine the amount of that plan. To date husband has
not been forthcoming in providing that information.
Counsel also need to determine whether there
is any cash value in life insurance policies owned by the
parties.
There are certain marital. debts which wife is
claiming credit for payment of including real estate taxes
and mortgage payments. Apparently husband has been living
in the residence at 8 Amity Lane, Mechanicsburg,
Pennsylvania, since the parties separated, August 31, 1998,
and to date has only made two of the mortgage payments.
The property is mortgaged with Harris Savings Bank and had a
lien with Member's 1st Credit Union, The mortgage with
Harris Savings Bank is around $54,000.00. The Member's 1st
line of credit, which constituted a lien against the real
.~
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estate, was paid off two months after the separation.
Wife has been making the payments on the mortgage except for
the two payments which husband has made as previously noted.
Attorney Sumple-Sullivan is going to do an
analysis to show what credits she believes her client should
be entitled to based on the payment of marital obligations,
Attorney Sumple-SUllivan is also going to
place on the record how she intends to approach, from an
evidentiary point of view, the marital interest in the real
estate,
MS. SUMPLE-SULLIVAN: In regards to the
marital home, it is our intention to put on the valuation of
what the current value of the property is to set a baseline
figure, We would then go back and determine what the value
of the property was at the time the one half undivided
interest was gifted by Richard D. Banks and Barbara D. Banks
to their daughter, the Plaintiff in this case.
We would then look at the debt that has been
put on this property for construction of the home and how
that debt has been paid, and we believe that husband would
be entitled to the increase in value on the one half of the
net increase value of the real estate from date of the
marriage to the date of separation, which was August 31,
1998,
THE MASTER: Counsel, as noted, included a
count for indignities. Because of the process in the
Divorce Master's office, we will not schedule a hearing on
indignities inasmuch as the time will have passed wherein
the parties will have been separated for two years in
September 2000, The complaint was filed in April of 1999.
The Master was not appointed until August 30, 1999, The
Master sent a certification document to counsel and husband
which was ultimately returned, The Master then scheduled
pretrial statements to be filed by November 5, 1999. In
December the pre-hearing was scheduled for March 13, 2000,
and then that conference was continued at the request of
counsel to April 6, 2000. Inasmuch as the two year
separation will have passed by the time this case gets
scheduled for trial, the Master has indicated that counsel
for wife should file a (d) affidavit averring the two year
separation and we will move forward with a hearing in
September.
A hearing is scheduled for WedneSday,
September 6, 2000, at 9:00 a.m, Notices will be sent to
, ,
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KIM E. DUNLAP,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 99 - 2092
VB.
RICHARD S, DUNLAP,
Defendllllt
CIVIL ACTION - LAW
IN DIVORCE
ORDER AND NOTICE SETTING HEARING
TO:
Kim E. Dunlap
BlIrbllra Sumple-Sullivan
. Plaintiff
, Counsel for Plllintiff
Richard S. Dunlap
, Defendant
Counsel for Defendllnt
You lire directed to appear for a hearing to take
testimony on the outstanding issues in the above captioned
divorce proceedings at the Office of the Divorce Master, 9 North
Hanover Street, Carlisle, Pennsylvania on the 6th day
of September ,2000, at 9:00 a.m., at which
place and time you will be given the opportunity to present
witnesses and exhibits in support of your case.
t
President Judge
Date of Order and
Notice: 4/6/00
By:
Divorce Master
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN
GET LEGAL HELP,
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
TELEPHONE (717) 249-3166
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EXHIBIT "A"
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AssrTS OF PARTn~S
Plainliff marks on the list below those ilems applicable 10 the case at bar and itemizes the
assets on the following pages,
[] I.
[X] 2.
[] 3.
[] 4.
[X] s.
eX} 6.
[] 7.
[] 8.
[X] 9.
[] 10.
[] II.
[} 12,
[] 13.
[} 14,
[] 15.
[] 16.
[] 17,
[X] 18,
[X] 19.
[] 20.
[] 21.
[] 22,
[] 23.
[] 24.
[X] 25,
[X] 26.
Real property
Motor vehicles
Slocks, bonds, securities and options
Certificales of deposit
Checking accounts, cash
Savings accounts, money market and savings certificates
Contents of safe deposit boxes
Trusts
Life insurance policies [indicate face value, cash surrender value and current
beneficiaries]
Annuities
Gifts
Inheritances
Patents, copyrights, inventions, royalties
Personal property outside the home
Business [list all owners, including percentage of ownership and officer/director
positions held by a party with company]
Employment tennination benefits. severance pay, worker's compensation
claim/award
Profit sharing plans
Pension plans [indicate employee contribution and date plan vests]
Retirement plans, Individual Retirement Accounts
Disability payments
Litigation claims [matured and unmatured]
MilitaryN.A. benefits
Education benefits
Debts duel including loans, mortgages held
Household furnishings and personalty [include as a total category and auach
itemized list if distribution of such assets is in dispute]
Other
,
4
MARITAl. PROPERTY
Plaintiff lists all marital property in which either or both spouses have a legal or equitable
interest individually or with any other person as of the date of this action was commenced:
Item Description Value liS of Date
Numbrr of Pl"Qperty of Separation
2a. 1982 Econoline Van Minimal
2b. 1986 Lincoln Unknown
2c. 1986 Toyota Truck Not working
5.&6. Accounts Minimal
9. Life Insurance Cash value, if any,
to be determined
Names of
All Own en
Wife drives.
Husband drives.
Husband and Wife.
Wife believes that there are 4
life insurance policies. Two
insure the children and two
insure each of the parties,
18, FERS Marital Portion
To be determined
19a, 401k to be determined
19b, Thrift Savings 11,163,32
Plan
25, Personalty to be determined
Ring to be determined
Wife
Husband
Wife
Husband and Wife
Husband removed,
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L1ABII.ITIES
Ilem Dt'scrlpllon Names of Names of
Numbrr of Proprr1y All Crrdltors All Debtors Balanrr
Credit Card Sears Husband $1,401.47
1. Propeny Taxes Wife, Husband Approx.
For 1997-98 and Wife's parents $3500
1. Electric PP&L Husband $300
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EXHIBIT "B"
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Icr~1l1l1111' 1"'1',1 IIlJI\lIhul u' ('UII'II11lr
mllis 1Jnbcnture ""~, .,,,,
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1917
Ilttwttll
,l/k/.' IlIrllM'U 11. "MIIO;
~ICII^,'" II. "ANKiil.n~ ItAI"'A~A A. 'tANK:!, hi. vlfe
thru'lIl.lttr ulJcod IhC' GunhuJ.). ur 1M unt rlulnd
KII4 .~. I'Mn.:::, IU' unlltvldr,l nn~-h"lr Int."rut. ftnd ..rellA-UO O. I\AHK8 and RARRARA A.
I'^NKH, hI" V Iff' , fMl\I\ln'fl', Hnl'lhl,.,.d (,"..-hAlr Intern," a. tenAnt.1 'b1 the enttr.U..
,,"11 vi t.h th,. IIlllt t v td,.ct unf'-hnl r I ntflr,."t tllt""'UfMIUIMf\)l.IiIUCMMMtif"""It.U.>>\M""",...U,,
t,f'llI~ ht"l,1 '''' Joint. t,fOllnnt,,, vlth thn rl....ht. or IlIrvlvur.hlp and not. II t.enant. 1n
uft'lMOn (h"rr.1 Mort...r c"U"d th~ Grftntfl~/.). of t.he ot.her plrt.,
itncutlcl, Ill... lII"Ull\IJ"f.lllllll ,,'
U"Y. ANO OU/IOO ($1.00) I)"I~".
In 1...11..1 11,ud. Ihe ,,,,ell'l '" helruln hrlb)" ..,~tluwlcd~l.'tJ. I he' \.Iul G...IIIII" dll/dutl hC'ltby 'IInl Ind (onvry unto lhe IIld
(;Ullltt". t.helr helrll, , tn rat ,md;n\lftlll.
AI,I. 'rUAT ct:II'rAIN trnrt. of 11\11.1 "tt.untl" In IH 1vrr :~Jlrln.., Tovnahlp, Cumberland Count.y,
1,,.fln,,"1vlIfll,,, more- fl"rt.tcull\rl)' hOUlul"'d Rnd d""crlbt"ri "'II tol10v8, t.o vit.I
lnIiIHHUm "t. a potnt. on the t'I\Rtern rty,ht.-or-vny or a private rlltht.-or-vay and aD the
J In" or "rl~'olnrl,.r h,.tVl,,.n 1,01.8 flo". 31 ,,"d 32 on the herf'lnfttter I\f!ntloned Plan; ..1d '~
Jtotnt bel"" ~~1.3 trt't In" nnrt.ht!rly 11Irect.1on rrc.m the center or the State Hlghvay
known "... Wertzvllle noiltd: thr.ncf' by IIftld eantf"rn rlltht..or-vay Korth 1 dej:tree 25
minute. ~..t 85 fe.t to . point on the line of a~Jolnder betveen Lot. No., 31 .nd 32;
then.. .lonp, ..Id dlvldlnp, line North 88 de"r... 35 minute. FA.t 175 feet to . point
tlO thr 110ft (lr I"tJolnrtr'r brtvr.t!1l I,ot.ft rIOR, 32 nnd 25; thence alan,: laid Une ot
.~jolnd.r Houth 1 dep.rcr. 25 minute. I:..t 85 feet to a point on the llne ot adjolnder
between J.ot. "0.. 32 .nd 311 th.nce .101\P. .ald lIn. or adjolnder Soutb 88 dep,ree. 35
mlnuteo Wept 115 teet to ft point, the plftce ot ntnlHNIHU.
Ju:um t.ots No. 32 on tlip. P1nn or LotI' ror n"y Garver, drllvn by Earl B. Diplo, N.S.,
dftted Aprtl, 1985, bp.lnF. known I\nd numbp.red I\B 6 Amity I.ane.
UNm:u Ann mm.Jt:t:'l' t.o nll Actn or ARfwmbly, County and Tovnllhlp Ordinances, rlp;hta ot
Public Utili ty nnd Public Sl1rvlc~ Ctllllilrmlet4, ex18tlnp, restrlctlonB and easeD\entd.
vlnlble or or rt'!cord, to the extent thfl.t any persone or entitleD have acquired legal
rl~ht. rlF,ht. thereto.
~P.I"G the same premia.. which Erne.t J. Oller snd France. H. Oller, hIs vIte, by their
deed dated December 29, 1986 and recorded In the eumberland County ~eeorder of Deed.
Orflce ln Deed Book 32-K, PB~e 441, granted and conveyed unto the Grantors herein.
THIS 1. a conveyance from mother and father to daughter and themaelve. and theretore
exempt trom realty transrer tax.
~pot L,33 pm 319
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aubJect .. atore.ald. b7 th... pre. eat.. . W,If.nl and rorew, Def,nd IN ~rrtn aho"
dtlCrtbtd pr.mbc., wllh lb. h",dJum.nlllnd .ppuflUI.nccl, unlo th.Yld C,.nlttl. . their heir.,
and lulan.. .,alnulhI uld Cnnlo,/, and I..inn .nr>, Olhtr p.nun l._rull)' d.lmin, or .ho ~.U hfl,.rtrr claim lhe 101m.
I), ."y rUllhrtto'. by.'romor under hlrVh~r/th~m ur .n)l ur Ihfnt,
IN WITNESS WUEREOF, 0,. IIld Crlnlor/' hI"h",. (luted II~" pr.wnu lu b, duly UICYll'd,lh. d.)' and )'Uf nnlabu"
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Commonwealth o! p.,lIlIy'nnll: COllnly o!
Onth1s,the d.yo!
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1'1 . before me.lhe undersigned ornc,., ptrson.Uy <
who I(knowlcl.l~rd hlmSC'lr/henelf 10 be the o( ~
a co,poullon,and Ih.1I he/she II such ;
,beln,luthorlztd 10 do 10, executed Ihe rOlelloin, Instrumenl (or the purpose therein conlllned by ~
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RICHARD D. BAlfJ(S',U~ Bftll~/\UDAG.1l4l1K~! h1. vite ,....,'~. ,):~ Q
known to me (or IItJS(ICtOrUy pro\'Cn) 10 be the person/' ","use nime]. is/lie subscilbed 10 the wit1l,l,!l..l.Dltr\':"~I!!'~ >
adcnowlelfaed Ihlt he/she/lhey execuled the same (or the purposelthereln contained. .' (\ ...:. .. :";'.' 't Q
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...A.p~ 1..~..1~................................ ......., 19. ....89.
.......lI.w..~:rrl.nd..., ...P...n."I\:::ri'...... .....
........... ........ a ..flmt ~y...\,n.l\ft.....llR.~.hn,l). tft...~\~1i'.&. ...f.ft.....u,Q.~~.. ............ ....... ...................'.. .... ...... ........ ....... ......,..........
IP,opetl, AdOr."J
I. DOllROWER'S I'ROI\IISI,TO I'AY
III relurn for a loalllholl ho.. rccei..d. I promise 10 pay U.S. S",,58.,900,.O,O........,........ (Ihi. amoolll i. called
"prilldpa'''). plus illler<ll,lo Ihe order orlhe Lender. The Lender i. .......IJARIl.lS..,S,.\V.LlfCS..ASSOC1A.T.10U '................
...........,.......................................................... ......................... ..................................,.................."................,... I 'llldelilllld
Iha. Ihe Lender may Ir.n~Jcr Ihis Note:. The Lender or anyone who lakel Ihi. NUle: by Irllll~rcr Dud who if. t'lIlilled 10
r""eive p"ymenl. under Ihis Nole i. called Ihe "Nole lIolder."
,
2. INTERFST
IlIIer..1 will be eharged 011 ullpaid prillcipal ulllillhe rallamoulIl ofprillci",,1 ha. beell ""id. I will pay IIl1ernl.la
yearly raleor..J9.1.~9,9...........%. .
The illl"nl rale rcquired by Ihi. Seclion 2 i. Ihe rale I will pay bulh berure and afler allY d.rault "..cribed in
S<<:liOlI6(II) oflhi. Nule.
3. I'AYMENTS
(A) Time and 1'11.e of rayments
I will pay principalalld illlere.1 by making paymelllsevery mOlllh.
I will make my monlhly paymenl. onlhe ...lot....... day of each monlh beginning on ......Nov....b.......l..................,
19..89.... I will make these paymenlS every monlh unlilt have paid all of Ihe principal and)nler",1 alld allY olher charges
described below Ihal t may owe under Ihis Note. My monlhly paymenls will be applied 10 internl berore principal. Ir, on
...'Oct.aber...l........................ ...2.019.., t still owe amounl. under Ihis NOle, t will pay Ihose amount. ill full olllhal date,
which is called the "matorily dale."
I will make my monthly paymenls at .......lin,~,9.n,4...nJ:\~..I.',tnl:...S1i'.r.t:e.tR...............................................................
.H.~c.hb..r.Il....IlA-.......UJ.Ol............................ or ala dilTerent place irrequired by Ihe Note lIolder.
(II) Amount of Monthly I'ayments
My monthly paymenl will be illlhe amounl of U.S. $......5.38...7.9...........................
4. BORROWER'S RIGHT TO PREI'A Y
t have t>e righllo make payments or principal 01 any time before Ihey are due. A payment of principal only is
known os a "prepaymelll." When I make a prepaymenl, I willtelllhe NUle 1I0lder in wrilillg Ihalt om doing so.
I may make a full prepay men I or parlial prepayments without paying any prepayment charge. The "'ote Holder
will use ull or my prepayments 10 reduce the amount or principAl that 1 owe under this Note. If I make u pardal
prepaymelll, Ihere will be no changes in Ihe due date or in Ihe amount or my monlhly payment unless Ihe Note Holder
agrees in writing to those changes.
5. LOAN CHARGES
If a law, which applies to Ihis loan and which sets maximum loan charges, is finally interpreted so Ihal the interest
or olher loan charges colleclcd or 10 be cullecled in connection wilh Ihis loan exceed the permill,d limilS. then: (i) any
such loan charge shall be reduced by the amounl neccssary to reduce Ihe charge to Ihe permilled limil; and (Ii) allY sums
already collccled from me which excceded permilled limils will be rcrunded 10 lI1e, The Notc Holder may choose 10 make
Ihis rerulld by reducing Ihe principal I owe under Ihis Nole or by makillg a direcl payment 10 me. Ir a rerund reduces
principal, the reduction will be treated as a parlial prepayment.
6. BORROWER'S FAtLURE TO PAY AS REQUIRED
(A) Late Charge rur OverduePaymenls
Iflhe Note Holder has nol received the full amounl or any mOlllhly payment by the ead of .....U................. calendar
days aner Ihe dale il is due, I will pay a lale charge 10 the Nale Holdcr. The amount orlhe charge will be ...~,',~,9.... % or my
overdue payment of principal and interest. 1 will pay this late charge promptly but only once on each late payment.
(8) Derault
Ir I do not pay Ihe rull amounl or each monlhly payment on the dale il is due, I will be in derault.
(C) Notice of Derault
If I am in dcraull, the Nole Holder may send me a wrillen nOlice telling me thaI ir I do not pay the overdue amount
by a cerlain dale. the Nole Holder may require me to pay immedialely the rull amounl or principal which has n]t been paid
and alllltc interest that I owe on that amount. That date must be at least 30 days after the date on which' he notice is
delivered or mailed 10 me,
(OJ No Waiver By Nole Hulder
Even ir, ala lime when I am in deraull, Ihe Note Holder does not require me 10 pay immediately in rull :IS described
above, the Note I raider will still have the right to do so if I am in default at a later lime,
(E) Payment or Notc llolder's Costs and Expenses
Ir the Note Hohler has required me to p.lY immediately ill fult as described above, the Note Holder, 'ill have the
right to be paid back by me fur all orits costs and expenses in enforcing this Notc to tile extent nol prohibiled I y llPplicable
law. Those expenses include, for example, reasonable attorneys' fees.
7. GIVING 01' NOTICES
Unless applicable law requires a differcnt mcthod, any nOlice that must bc given to me under this Notc ,viII be given
by delivering it 0' by mailing it by first class mail 10 me at the Properly Address above or at a dilfercnt addres' if I give the
Note H61der a notice of my dilferent address.
Any notice that must be given to the Note Holder under this .N.ute will be giv~n by mai.ling it by ~rst cia." mai.1 to the
Notc HOluer al Ihe address stated in Section 3(A) above or at a dltlercnt address If I nm given" notice: of I IUt dllferc:nt
addrc:ss.
1 and preml'ums if any, on money advanced monthly for a period of six ',onths.
*Interest on Y ,
MULTlSTATE .FIXED RATE NOTE-Single Family-FNMAlFHLMC UNIFORM INSTRUMENT Form '200 12/83
J
,
-.'''-
J
,
I. ODLIC.UIO~S 01' I'ERSOSS UNUER TIllS NO'm
If Inore Ihon one ....rOf'" .iSII' Ihi. No:e. .odll"""'''' i. fully .ml J1<"oll.lIy oblisal'"" tu keep oil of Ihe prol1\i..,
m.de in this Nott. indudin'lhc: promi\c II.) PlY the full :lmuunl owed. Any person Whl) is II BUluAnlo,. .urtl)' or "t1doner
oflhi. NllIt i, 01", obli,lted 10 do Ih",e Ihin." AllY ....r..'" who take. over Ihe,e obli."ioll'. illdu"illllhe obli.o. '."" of.
suar.lllor. surely or elldo...er oflhi, Nole. i, .1"" obliSII"" I" keep.1I oflhe promi",. ma"e illlhi. Nole. The NOI, 1I0lder
nil)' (nrUreC in rilhtl uluJer this Nott .~im.1 (':I(:h person individually or ngaill\t all ofu\ together. This mC'.ns !tat Any
olleufu. m.)' be rcquirtd to JlIy.1I oflhe .11I00111. ~w"" ullder Ihi. Nule,
9. w.\IVt:ns
raml.lI)' uther penon whu has ohligRliolls under this Note waive the righl\ ufprC'\CnllllC'1I1 &l1Il1 IlUlke ufd ,honor.
"I'rcw:nlmcnt" me."I Ihe fiSh. to require the: Note lIolder 10 dCflmnd pa)'lI1clll of nmnunl!i lhe. "Nulkc of di hUllor"
mrnnt Ihe ri.hllo require the Nole Ifulder In give notice 10 oth~r person,,; Ihal Dmounh due ha\'e nnl been pilid.
10. lINIFORM SECURED NOn:
Thi, NOle is. uniform in!lrumclIl willi limilell \'arillli0l1'l in somcjurisdicliuns. In luldiliun lu the IllUh..~tin'ls gi\'ell
10 Ihe NOlellolder onder Ihi. Nole. a Morlsage. Deed of Tro'l or Seeurily I>ecd (Ihe "Seeorily 11I\lIlIlIIelll"), d II"" Ihe
lume dlle as Ihis Nole, protects Ihe Noh: JlohJer from (lO!.siblc losses which mighl rcsull if I do 1IC11 kCC'J) the I'romises
which I make in this Nole. Thai Sccurily Irnlrumcllt describes how and under whal cCllldiliuns I may be: required llllluke
Imm""i.'e p.yment in full of allamoulIl, I owe under Ihi. Nole, SOllie of Ihose ellllditillll. .re d..erihe" ., follow"
Tr.nsfer or th. I'roperly or a IItntnellllnler.slln 1I0rro...r. If all or OilY part of Ih""roperIY n
any interest in it i. sold or Irsmfcrred (or if 8 bcneficinl interest in norrower j, sold or Irnnsferred Pitt.
Uorrowcr is nota nAlural penon) wilhout Lemler'. prior wrillell consent, Lender I;nay, nl iu, oplinn, requin
inlluediate pO)IIICnl in full ofnllsunu sccured by this SecurilY Inslrument. Ilowc\'e'r., Ihi, nplinnshnll nol hl
exerci..cd by Lendcr ircxcrcisc is prohibited by federnllnw us oflhe dnteuflhili Security Inslrumcn..
If Lender exerciscs this oplion, Lender sholl gi\'e IJorrowcr nOlice of llccelcrOllioll. The nnlice: slml
provide. ....riocl of nol less Ihan 30 day. from the d"le the notice is delivered or n'l,ilcd wilhin whicl
Dorrower nIO'( pay all som' ,eeor"" by Ihi. Seeorily IlIslrumell\' If Dorrower f"il'lo P"y Ih..e som. prior II
the expir.tion of Ihis period. Lender m.y illvoke any remedies permille" by thi. Secority In.trumen
Wilhoul further notice or demand on Dorrower.
WITNESS TIlE IIAND(S) ANI> SEAL(S) 01' TilE UNDEItSIONED,
Witness:
... 62k.E;*i:,I.t./:xJ........................,................... ,. ..(Se.l)
....~~D~~................,::::;
<-::> C-:rk~ BliNKS .'''0.''
~::~'~"\iii'Rji:' ~ ~ ~....................................., ~~:~
" ~~1l'1 {Sign Origin,,' Ouly}
~. (STilL)
RICIlJ\
/~
./
~
. ,
ALL '1'HA'1' CEIl'J:AIN traot at 1&Dd dtuato In OUyer Opnll& 'ravuhlp" Cwaber1and COIIIIty,.
PennlylY&llla, IIOre particular).)' boUll4ed IU1d dllcrlbed al tallovl, to VitI
. .
BEDINMINO at a polnt on tbe ealtern rlgbt-ot-vlY ot a prlvate rlgbt-ot-way and on tbo
11ne ot adJolnder between Loto Noo. 31 and 32 on tho horolnatter ..ntloned PlaAl laId
polnt be11l8 ""1.3 teet 1n a northerly dlreatlon tl'OIa the center ot the Otate 1l1gbvay
known al Vert&Yl11e Road; tbence by oald elotol'D rlgbt-ot-way Korth 1 degl'ue 25
mlnuteo Veot 85 teet to a polnt on the 11ne or adJoIP4el' betvoon Loto Koo. 31 and 321
thence along 1&1d dlvld1ng Une Ncrtb 88 degro.. 35 alnut.. !:aot 175 teot ';0 ,a pOlnt
on tlla l1na ot edJolDder betveen Loti Koo. 32 aDd 25; tbence aloll& eald 111-,e ot
adJolnddr Soutb 1 desree 25 minutel E4lt 85 teat to k point on thc 11na ot IIdJ01Dder
between Lota Koo. 32 aM 311 tbencI dons IUd 11ne ot edJolllder lloutb 88 I.agrl" 35
minutel Weot 175 teet to a polut, tbe place ot n~lNHIHU.
BEINO Loto No. 32 on tho Plan ot Loto tor nay Oarver. c1rava by Earl B. D1p:.o, R.O.,
dated April, 1985, be11l8 known aac1 oUlllbered ao 8 Aa1ty Laoe. S,~icl I'l~n is 'cco~dcd
in Cumberland County Mortgage Book Bt9. Page 74~. ~
BEING the same premises which Richard D, Il~nks and Il,uhara A. 1I.'"k.;' his wile, by
deed dated January 26, 1989 and rccoruod in lho Cumbor laud Couflt.y UceordQr I! ocr iCD
in Deed nook 3J-U, 1'c1<JO 319, yrantod ,loll convoy(",) unto Kil" ',f:. Jlmlku, (Hehan D.
Banko and Barb4rll ^. Uanks, throe DC tho rnortlJillJor!l h~rQin. .
UNDEIl AND SUDJECT, NEVERTIIELESS, to restrictions, conditions unci casements ([ prior
record pertaining to said premises. ,
TilE MORTGAGORS represent and warrant that neither of the parties hereto has het ~tofore
instituted diuorce proceedings against the other ancl it is further agreed t lat the
lien, operation and effect of this mortgage shou ld not ue changed in any ma mer as
a result of or part of any property settlement or equitable distribution by the
court in any: divorce proceedings now or hereafter instituted by either of the
mortgagors hereto against the other.
THIS is a construction mortgage to secure future payments to be made under 8g .eement
in the course of construction of dwelling on lot described in said mortgage p .ovided
the mortgagor shall within six months from date hereof aqply Cor the whol~ or a
portion of prinCipal ilmount in default of Which any obligation to make. urther
advances shall be void.
INIT.@
.
EXHIBIT "A"
~
..
ADDENDUM TO MORTGAGE
Kim E. aanks, Richard D. Danks and
Mortllallol hh wHe, and Rlchud S. Dunlop
Oarbara h. nanks,
1 Apri 1
___ loolell..
10, 1909
J
CUlt\lrm'liulI lunu l'w\i\iulI\, If III... iIUkhl\:dlll.'" ~'\'id\'lll.\.t1 hy Ih,,' Nuh.' i'li IlIh,'IIlI..,..llu fin;lI1l.'\.' 'h... ,.:un-
\Irlll.:tiun HI' iIllPIU\\'IlIl.'U" lu II I\.' IHlIlh.'lly. lIuIlO\\,..... ;l~ll.\.\ 10 l.'lllllply Wllh 1111: l.'u\'\.'llanh ,IIUI..'UIHliliun\l
uf the Loan ^~h.'l'n".'IIt. wllll"h j, !I"'h:hy illl.'ulpor;III.'tl hy n.:fch.'IIW ill ;lIld l1l:1t11.' ;11'.111 of 1his MUr1I',I~h,', All
,U.lViIlU':CS llIild.., hy ll.'mll'l IHlhll.Ull 10 Ih.., 1.00111 ^~ll'l'llh.'nl ,hall hl' itHlt.-hh.'\IIII:~~ of (JOIlUWl..'l' \1.'" tlll.,'d hy
Ihi, MOIII::tIl\'.
III \.'tl\l,.' uf hl\.';I\.:1I hy lIolllJw\.'1 of' IIII.' L:U\'\.'II:lIlh and l.'ulHlitiolh of 1IIl.: LUOIII ^I!II.''''lIh..'l1l. L,,' uk'r, ~I
l..elltk..\ ul1lioll, willi or wlllulIlI l'lIllY upon 1 Ill' PlOpl',ly, C il IIHJY invoJ..l' ;IlIY of I Ill' li)!I"" or l"l'llH'l j,," PIU'
vi\ll,tI inllll' l.u;1lI ^~I"''''lIIl'''1. ciiJ IIIi1Y ;II,.'I,.',,'I,,'r;II,,' III"..' :\11111' ~l'l'm\'.'d hy Ihi, MUlI)!;I)!'" ;1I1t1 invuk,,'lhl"'" (l'mo
"ctlh.'~ plUvid"'ll ill P~lI.IIHOIph IX 111I.'1,,'uf. or (iiiJ 11l:IY do huth, Pliur 10 \.'UIIII'I,,'liulI uf Ihc illlprm :111\.'111-.,
SUlIIS lli,hlll~l'tl hy I."'IH""I" In proh',,'1 IlIl' \l'l'urily of Ihis MorlJ!i1J!l' lip 10 III,,' prilll'ipal :lIUUlIlIl of II'" Noh'
",h;dl h,,' I''''ill,,'d ;1\ lli,hur\4,,'lIh'lIls pUl'\lIallt 10 Ihl' 1.00111 Agr"'l'lIh:III, ;lIul \111.'11 '11111\ dj,hUl'Sl..t1 hy L'IHI\.'r ill
\.'XI.,'CSS or III.., prindp;11 ;lInUIIIII of th..' Noll' ,hall Iw :uhlit ion;l! illlkhh.'dlll")' ur Borrower Sl'clIrl'd hy Ihi"i
Morl)!H!!\.', ^1I slIl'Il '11111' ,1t:11I hl.'i1r inl..'rl'sl rl'Ullllhl' d:ltl' of di~hlllSl'lIll.'l1l ;11 IlC r;lll' ,l:lll'd in III,,' t\ II"" un.
'Ills!' \.'ulll-l'liun hum UOIllIWl'" of illh'h'st ;1' 'Ill'll l"iI"-.' wOllhl h,,' l'onlr;II"Y 10 ;11\ll!k>ihk 1:a\V in \VIIi, II \.'\,\.'111
such allluunls "h:11I h,,'m inl"''''',1 :11 IlIl' hi1!h"'''i1 1":11,,' whkh 1I1:IY h,,' "'ulh:,,,'ll'tI from Uorruwl'r 11I1t.!,,'r ;ll'plkuhr..,
J:IW, .lOtI shall h",' p:lY:lhl,,' lIpul1lHJlk\.' from L,,'ndlof,IO Ih)rn)\\!ef retJlI,,'slil1~ PilYl1h.'nt 11Il'r\.'l'or.
II is furlher ;'Illwu Ihal fu, ;, period of SlX (6) lIlonlhs aflh Ihe "ale uf Ih, 1110'1'
g:J~C and aL'l'oll1l":Jnill~ lIull', Murlg;l~urs may haw Ihe privilcge of p:Jyil1~ intcreSI ;lluJ premium, if any.
alone on the funds advane..u IlLll Ihe,eafler I he ,egular paYlIlenls shall be lIlaue ;,s proviuell by Ihe n'urlllalle
11011..',
JJ: :JfJLor .hl' 1.'OIHlI1l'IIl't.'II1t.'ul of ,lIuvrliz:llton 01'1111.." NOle, the NOh,' afld tltis i\..fortgagc afL' suld by '_"'Ill""'r,
from und lifter SlId1 SOIll' Ihl' loan Agl'l'Cl1u:nl sl1;llll'l'a~e to hc:a P:Jrt ur this Morl~wgc unt! 80rro\\1.:1" ~hall
nol usscrl :IIlY ri1!ht or scl.off. l'lHlllh,'rl'1;lim or olh\.'f daim or \h:rl'lIsc arising our uf thc Loan A1!I.:l'I11Cl1t
..,winst Ihe ohli~atiolls of thl' Nf.)l~ ;lIullhis Morlg;I!!l'.
Witness
f4.C'!::J . <:'
~. \~'.:/' 1.
,/; 1//1'\, ( .....//.I?v, /f4-
~~
Borrower
4f7 ~;J~~=::-
Borrower
,"f~-lM~~"~
Borrower
,
p797
Witne'ss
..
.
UNIIUkM C:Cl\'1 NAN 1\ Ilcll'IUWrr ilnd LC'ntl~r ,'men,HlI iln<<oJ OIj.:frl' 01\ fuIlClw't.
I. .'.)'ml'n. uf l'rineip.1 Mnd IlItru'r.I; l'rrpll)'lIIr"1 .nd 1..le l1uul:('\. Uurrn..'cr \hOlIl prnmplly pa)' when due
the princ,;,,,,,1 uf ImJ tllltrC'\t Vlllhe' ddn c\'uJenc.:cd by lhe NUlc Int.S All)' flrCfla)'IIICrlt.lluJ 1o11C' charsc\duc under Iln: NOle.
Z. ''"und. turTnri and In\urlnn, SubjC\.'IIU apl)III.:..hlc I..",. ur w.. \HUIC'n w,i\cr by l(IItJcr. Ulurowc:r ,hall ~y
10 LcmlC't on the- c.b)' IIIUlllhl)' (l';&)f11cllh :u(' \Juc under Ilu.' NOlet ulltlllhe Note he JlfIid in full. II \urn (..FunfJ....) ('qual to
onc-.",',:lfih uf; (a) )'('1111)' laa.r\ Dud .:I"'\(\\lIh:llh ..hkh ilia)' ,1110111I Ilfltlfll)' mrr Ihl\ Sco"'Ufll)' 11I\UUrnCnl; (h) )'C'iuly
In.chold p.;I)'fIIC'lIh ur ,mulIll ((nil. UIl Ihe Properl)', If "II)'; h:) )'('0"")' 1i..,,,,,1 lI1\uralll,'C IUCIJIIUIIl\; and ~d) )'I:__rl)'
mnrll"lt in..uran...t' (l,tIlIlUlIh, If dll)' The\c ,h:om\ .Ut' ,:aU"'11 ".....,,'10" IIt"'\ .. "(,lllkr 11I01)' l"\IUltalc the Fuml\ dUl: on Ihe
bII.'\ nrl,:urrtfll \1"llI IIllI ,('.&\ullahlc e..ll1nille.. ..ffuIUIt' e\,,"ll\\o 11('11I\
Tht Fund, '\hilllllC' hrhJ 1Il.1lI ill\lllullnn the' drpmlhllr a,,-,,'uunhuf"'"l."h .He: ill\Uh.tJ \lr ~uJr..nh:ed b)"1 fcoenll or
'lAIC' _arnc.')' (illdudlll& .-('Iuk, Ir I.emler h \Ul:h an 1II\lllU!lull) Lrudl"f ",hill! II!,!,I)' ,"(' FUlIlh lu 11;1)' the CM,'-~OW ill:nu"
l.tnd('r may litH t:'hurf{e r,tr holdin~ lunl nl'l\l)'illa.t llit.' Fumh, nn;tI)'lITl~ Ihl:' .1.1."\.oUIII ur \ l,'nf) 11Ig Ihl:' "'\4.'IUW ill"lI'l, unit"
I.rndcr flD)" IInrrdw('f illlerc.',1 011 lilt FUlld'll And uJlpll.....hlc 101'" I~Jllllh L"'IUJl.'r In male \u4.'h.. dlilfge, UOIruwer Mild
, lA'ndrr IIIl1Y Djt,tt in wrlling 1I1l11 inlt're\t \lullI be: I'aid CUI Ihe FUlII.h. Unlt''ll'':1II ugrCl.'IUt'lIl i, 1II:ldC' or ilpP'I\.'able law
rrquirtl iUIt'rC\1 In be (laid, I.('ndcr "1..11 nlll be: r...quired In p"y lIt1rro""'rr :111)' 1IIII.'r('\1 ur ('"millS' 011 Ihe FUll 1\, Lender
'hlllaiwc to lJurro'A'tr, wirhoul charge, nil 3nnu:11 accuunling "flh(' Fumh \hnwlIIS ,,'r(',hl\ and dl'hih Iu Ihe Fur'IJ, nnd IhC'
J purrmoc for which t:u;"11 debillo Ihe Fund\ W1I1II3rJe, The Fundos arc pledg('d 3'1i additional 'ecuril)' for Ihe \um\.l'Cured by
Ihi. Sa:uruy In\lrurn'"I.
If Ih. amounl oflh. FUIII!. hel~ by I....~er. log,'her wilh Ih. fOlure nllllllhly pay"'ell" of Fuo~, payall. prior 10
Ihe due d.te\ or Ihe t\cruw ilC'I11', \hall exccrd Ihe amuunt rr4uirC'LJ 10 p:l)' Ihe (",,,'row items WhClllhll', Ihe eu'l,' ,\hnll be.
II lIorrnwcr', 111'liun, ellher prnlllpll)' r('pait) Iu lIorrnwC'f or crrdil,,'d In lIonnwer 11lIlI1ll11lhly p:l)'f1I\.'IlI!io uf FI' It)", If Ihe
IRIOUIII ofahe FUllth hdd h)' I.rnder i'i 111)1 \UmciClllln pay thC' c",'ww ilell1\ wh(,1I due. Borrowcr "hall ~y 10 1 cntlcr nny
aRlOunllltceS\luy 10 mllke up Ihe tJeliciellc)' III olle ur 1110re pAymenls u, required by Lender,
Upon poym.nl in full of all 'unll 'ecured by Ihi, S.eurily In.lrulII.nl, I..n~er ,holl promplly rcfulI~ 1<' 1I0rrower
Iny FUlld. b.ld by L.nd... If under p.ragr.ph 19 Ih.Property i, ,old or acquired by L.nd.., I.,"der .hallapp v. 110 I.'er
Ihan immedi.,.ly prior 10 Ihe ,ale of Ih. I'rullCrty or ill.equi.ilioll ~ 1..IIII.r. .IIY Fund. held by Lend.r al ,.. lime of
IrpliCllion 1'8 crt.'dil against the: ~um~s(culecJ by thisSccurily 1'l\lrUmef11.
J. Appll.atlon of I'oymenl.. Unles. applicablel.w provide. olherwise. all payme"l5 received by LeI der under
flaragrarhs land 2 Sih:lIl be Dflflliro: finl, 10 IlIle charges due under Ihe NOh:; ~l'Cond, 10 pn:paymclll charges dut,' under the
Nutcj third, to 31110UIWI payable under raruglaJlh 2; {(lurlfl,lo Inlc:rc.'S1 due; nud hnt, 10 princip.11 due,
4. Charges: U~nJ. Borrower shull pay alllalu.'s, ussessmenlS. charges, fines and imposilions allribuI: ble to Ihe
Properly which may allain priority oYer Ihis Security Inslrun1enl, and leasehnld pUYlnellls or ground rel1 \, if any.
Dorrower shall pay Ihese obligations in Ihe manner provided in parngraph 2, or ifnol paid in Ihat manlier. Dati .l\ver shall
PDY Ihem on lime directly 10 Ihe person owed paymenl. norrowcr shall promptly furuillih In I.ender nil nOfiC'cs ( r amounts
10 be: p.id under Ihi, p.ragraph. If lIurrower makes Ihese payme,,'s direclly, lIurlUwer shall plUml'tly furnish 10 lender
rC'Ceirl~ evidcncing Ihe payments.
norrower sfmll promptly discharge :IIIY lien which has flriorily over Illis Security Inslrumcnl unless DOl rowcr: (a)
agrecs in wriling to Ihe (laymenl uflhe obligalion secured by Ihe lien in a O1anller :ICCCpIOlblc 10 Lender; (b) conic IS ill gOO<J
faith Ihe lien by. or tJefent!s ilgainst enforcement of the lien ill, leg:ll proceedings which in the Lender's opinion ,'peralc 10
preventlhe enforccmenl of the li~n or (flrfeilllre of :any pari or Ihe- Properly; or (c; se"'urc~!l. frollllhe holder or hc lien an
ngr<<menl sali~(aclOry 10 lender subordinaling Ihe licn to this Sccurity Inslrurnenl, If Lender dctermines Ihat : ny flart of
Ihe Property is subject 10 n lien which may a!lain priorily over Ihis Sccuril)' InSlrumenl. l.ender may give IIJrro\Ver a
nOlice ide!,lIirying Ihe lien. Dorro\Yer sl1:llI salisfy the lit' 'or tuke one or mnr~ of lhe aClions sel (arlh above with II 10 days
oflhe giving ornocice,
S. Ilozard Insurance, norrower ~hall keep Ihe improvements now exic;ting or hcre:lner erecled on Ihe' Property
insured againslloss by tire. hazards hh.:luded within the lerlll"cxlended covcrage" and any olher hnz,ards for whi:h Lender
requires insurance, This insurance shall be 1lI:.hllained in Ihe amounts and (or Ihe periods that Lender req Iires. The
insurance carrier providing lhe insurance shall be chosen by Borrower subjecl 10 Lender's apflroval which sl :111 not be
unre.sunably wilhheld.
AU insurance policies and renewals shall be acceplable to Lender and shall include a slal1dard morrg: 4,e clause.
Lender sh.1I h.velhe righllo huldlhe policies and reneIVals, If Lender requires. Borrower ,hall promplly give .0 Lender
all receipls of raid prcmiums and renewnl nOliccs. In Ihe eYent of loss. Borrower sh:lll give prompt nOlice 10 lhe ~nsurance
carrier und Lender, Lender may make proof or loss if 1I0t mnde promptly by Uarrower,
Unless Lender and Durrower otherwise agree in wriling, insurance proceeds shall be applied to resloratio . or repair
of the ProperlY damaged. if the resloration or repair is economically feasible and Lender.s security is not Icsselled, If the
restoration or rep:lir is 1I0t economically (easible or lender's security would be lessened, the insurance proceecs shall be
applied 10 Ihe sums secured by Ihis SecurilY Instrument, whelher or nOlthen due, with any excess paid 10 n('~rower, If
narrower abnndons the Properly, or docs not answer within 30 days a notice from Lender that the insurance ~ arrier has
offered to settle a claim.lhen Lender may collect lhe insurnnce proceeds, Lender may use the proceeds to repair ]r restore
the Properly or 10 pl1Y sums secured by this Sccurity Instrument, whethcr or not then due. The 30.day period .vill bcgin
when the notice is given.
Unless Lender :JIuJ Borrower otherwise agree in writing, any applicalioll of proceeds to principill shall nOI extend or
poslpone the due dale orlhe monlhly paymcllls rcfcrrt:d to in pam graphs 1 und 2 or ch.U1ge the amount o(lhe pa !ments, If
under paragraph 19 the Property is acquired by LcntJer, Uorrower.s right to any insurance policies and proceed~. resulting
from damage to the Property prior to the acquisilion stmll pass 10 I.ender to the extent orlhe sums sccured by th~'i Security
Instrumenl immediately prior (0 the acquisilion,
6. Preservation :U1d Maintenance of PropertYi Leaseholds. Uarrower shall 1101 destroy, damuge or suJ''iI:ll1tiully
change the Properly, .lllow the Property 10 deteriurale or COllllnil \Yasle. If Ihis Security IlIslrumenl is on:1 t::lsehold,
Borrower shall cOlllply with tIle provisions orlhe le<lse, and if Ilorrower :I\.'4uires fee litle 10 Ihe I)rupeny. Ihe Ie"", :hold :llId
fee title shall not merge IIl1less Lender ilgrces 10 the merger ill writing,
7. Protection of l.ender's Rights ill the Pro pert)': l\lorCgngc Insurmu:c, If Burrower fails to pc furm the
covenants and agrecmenls COllWillCd in Ihis Security. II1S~ruIIH:IIl, or lhere is illegal prucceding th,allllilY siglli~l'a Illy ..,reel
Lender's righls in the Propcrty (such as :I procecdHlg, III b:lI1kruplcy, probale. for cOlldl.'II1IIilIIOIl or 10 cf1lor~ '': ,hl\~s or
regula lions), Ihcn Lender may do :lnd pay for whalever IS neccssary 10 prolcellhe, v:Jlue ~flhe Prol~en,Y <lntJ Lend :r,5 flgt,ItS
in the Properly. Lender's <lcliolls ITHlY include p:lying any SlllllS secured l~y a hcn which has pflumy ovcr,thl Securll)'
Instrumcnt, ilflpcilring ill court, paying reasonable attorneys' fees :lIld cnlerlng on Ihe Properly 10 lII:1kc rep:urs, .\hhuugh
Lender may take action under this p<lragmph 7, Lender dlll.'S nul have 10 do so, , ,. ,
Any :mlOunls disbursed by Lender under this pamgraph 7 shull bCl.'ulIIe llddlllOlIal debl 01 Burrower sC~U1;:d by IhlS
Securil InstrumcrH, Unless Borrower and Lender agree 10 olher Ic:rn~s o~ p:lymcnt, lhese ar~lOullls Sllllll be<lr 1111 'resl rro~1
Ihe dat~ or disburscmcllI al thc NOle rale u.ld shall be paYllble. wllh IIIlercsl. UPUII notlcc from Lcnder to BorrOwer
requesling p.ymenl,
tr L.nd.r r.quir.d mOrl&la' ;Illuro"c< "' a cI>"diliu" uf mokina Ih. lu." .<curC\! by Ihi. Seeumy In.I,um."I.
Dorrower shall "..)' the premiuIIIs rC"iuircd In maintain the insurance in tWeet until lu"h timC' :11 rhe fC'quircIIIC'II' fur the
insurance leflnin.tel in accordance wllh Dorrower's and lcnder's wrillcn DsrcemclIl or applk,..hlc l;aw,
8. Insp..Uon, L.nd.. or il. 'a.nl may mok. ....on.bl. ."lfi.. upon ."d i"'I1('CIlU'" of Ih. l'ro...'I)', ~nd.r
shin ai.. Dorrow.r nOlic. '1Ih.lim. of or l,rior 10 In i"....cliun.pccif),ina rea.unlbl...u.. for Ih. i"'I1('CI;O".
9. Condemnation. The rrocC'cdl of any award or claim ror damages. direcl or COllr.t'qUt'lIli:aI, an ,,'unn~t un wilh
any C'ondt'lnnalion or olher IILiu, ur any purl or the l)ru~rI)'. or ror COIIVC')'Dm"C in lieu uf cUluJclI1mlliun. Dfl hrfeby
...ia".d a"d .h.n be raid 10 I..nd..,
In Ihe t\'ent of. IUlal ,..liIlS or Ilu: I'Wllerl)', IhC' I1H}l,."C'...lI.. \11il1l ~ applied In lhe 'lIlII\ \('~'UH-d h)' Ihi, .<<uril)'
Instrumenl, whether or not Ihtn due, wilh any u,,'C'\\ paid 10 IJorruwer. In Ihe nel1l or I Il,;&f"..1 taLi:11 or the I' nr<rl)',
unless Dorrower and Lender olherwi\e agree in writing, Ihe sums !i~I.'lIred hy Ihis Sec:urllY IU\UUIU('UI ~h.llll hr fft llt't'tt h)'
lhe amounl or Ihe 1"0,,<<<1. lIIullirloed by ,h. following fraclion: (a) Ih. lolal omoul\l of Ih. ""'" '<<u,ed imll .'dlllfly
beror.lh.lakina. di.ided by (10) Ihe fair morkcl valu. Oflh.I'rupCClY ;lIlmedio..ly "er",elhel.killg, Any bolnIlC" ,hull he
paid 10 Dorrower.
Itlhe Proptrly i.abandoned b)' norrower. or if, afler nOIic:e by lender In IJnrrnwer IhallhC' l.'Undelllllur Iff'en to
make an award or lellle. claim (nr durn3gcs, lJorrower (nilslo rC\IKJI1d to 1.~lIder wilhin .lOday. afler Ihe d.1lt' Ihl.' lutice i.
iiven, Lender jl aUlhorized locollt1:1 and upply Ihc IUCk:C'cd" al ih oplion, eilher Itl n,'\IOraliun or rel'air orlhe Ilrl )(Irlyor
10 Ihe sums secured by this Sccurily IlI\lrUn1Cnf, whelhcr Hr nnllhell due,
Unlcssunder Ind Jlorrower olherwisc agree in writing, any application orprucC'ed\ tn Ilrillc;i(lal \halll1(1t C ',Iend or
J poslpone Ihe due dale or Ihe lIIonlhly ('Iilymel1l5 referred to in pllragruph!li I ,lIId 2 ur change Ihe alllHUI'1I nr such r; ,'Illents,
10, lJorruwl'r No. Relea~edi Forbearance Dr l..tndrr Not u \Valver. EAIt'llSiulI uf Ihe: lillle fur Pil) IIcnl or
modificalion or amorlilnliol1 or the SUIl1!li secured by lhi.. SecurilY IlIslrullu:nl gralltl'~ hy L(,lIder 10 UIl)' 'lUl'l" "'lor in
inlcrest of Darrower shall nOf operale 10 rdellsc Ihe Ii.lbilil)' orthe originalllorruwer or IJurrowc:r's !liUCCC\'im\ ill ,nter.:sf.
Lender 5hollll01 be rC'quirC'o 10 ",'UIIIUltUCe J1roceedings .iI~"ill\l :IIIY Successur ill illfrrl'~1 or Idu\c 10 CAll'IIl1 :imc for
payment orolherwile modify nlllortil.aliul1 urlhc SUIl1!li secured hy Ihis Securily IlIslrulllelll hy h'il\UII urulIY ell'lII:t u.llll:ule
by Ihe original Dorroweror Horrower's sUccessor~ in inlerest. AllY forbearance by Lemler in eA~lcisi1l8 UIlY righl U' Icrnc:tl)'
shan nol bea wai..rofor rrecludelh. e..rei,. of OilY righl or re",edy, , ,
II. Successors and Assigns Uound; Joint and Several LinbllllYi Co-signers. The "'ovell.mlll HlIllllgrcl' lIellls (I(
this SecurilY InUrul11enl shall bind ano beneflllhe successors and assigns or tender and Bnrrower. subject In Ihe ('II )visiolls
of parusraph J 7, !)orr01ver's cm'('lIa:uU: Rnd :Igrcemenls shall be juint untl several. Any Borrower who l.'u'sign~ Ihi\ ~ccurily
Instrumenl bUI does nol execule Ihe NOle: (n) is co.signing Ihi!i Securily Instrumcnt only 10 morlgage. gralll 11111 convey
Ihol Dorrow.r's ;nl...sl ill Ih. I'rur.fly und...h,'erm. of Ihi. S..urily Inmum.nl; (b) i, lIul p.rsonolly obligohd 10 ray
Ihe sumlsecured by I1lis Security Inslrumenl; nnd (c) ngrees Ihal Lender nnd any ollter Borrower may nKree It eXlend,
modify, (orbear or make lJny lJccommudaliolls wilh regard to Ihe lerms of Ihi!li Securily IlIslrumelll or Ihe Nolr without
that Dorrow.r's cons.nl.
12. Loan Charges. Ir the loan secured by Ihis Security Instrumenl is subject 10 a law which sets miuiwumloan
charges, and Ihat law is finally inlerprelcd so Ihal Ihe inleresl or other loan charges collected or 10 be col'o,:clcd in
connection wilh Ihe loan exceed Ihe permilled limits, ,hen: (a) any such loan charge !lihaU be reduced by Ihe amounl
necessary 10 reduce the charge 10 Ihe permit led limit; and (b) any sums alreildy collected (rom Darrower which l'xcecded
permiUed limits will bf: refunded 10 Uorrower, Lender may choose 10 make Ihis rerund by reducing Ihe princil'ill owed
under Ihe NOle or by making a direcl payment 1(1 Horrower. If a refund reduces principal. the reduction will bo.: IH' ll~d ns a
pnrtial prepaymenl withoul any preJ1aymCllI charge under the NOlc.
13, LeglslnUon Affecting Lend.r's Rlghls. If clloclmenl or cxriroliu" of arplicable laws has Ihc clfeel of
rendering ~ny provision of the NOle or Ihis Security Instrumenl unenforceable according 10 ils terms, Lender, al il; option.
may require immediale paymenl in (ull of all sums secured by this Security Instrumenl and may invoke any "emedies
p.rmilled by parograrh 19, If Lender c...ei,e, IIli, uplion. Lender shall lake lhe ".pS 'pccificd ;nlh. second par:' ~raph of
paragrarh 17.
14. Notices. Any notice 10 Dorrower provided for ill this Securily Instrument 5110111 be givcn by deliverin : il or by
mailing it by firsl class mail unless applicable law requires use of l:lIlOther melhod. The nOlice shall be t1irecl' d to the
Properly Address or any other address Borrowcr designates by notice to Lender, Any notice 10 Lcnder shall be given by
firsl class mail 10 Lender's address stated herein or any olher address Lender designalcs by notice 10 norrower, A. y notice
provided for in Ihis Security Inslrument shall be deemed 10 have becn given to norrowcr or Lender when givcn as ,rovided
in Ihis poragrorh.
15. Governing Law; Severnbility. This Sccurily Inslrument shall he governed by federal law ;lIId Ihe I. W orthe
jurisdiclion in which lhe Property is localed. In Ille eventlllat any provision or clause or this Security Inslrllln'.lt or Ihe
Note connicts wilh applicable law, such connicl shall not affect other provisions or Ihis Securily Inslrumcnl or the Nole
which CRn be given errccl wilhoul the connicting provision. To Ihis end the provisiolls of this Securily Instrumcn and Ihe
Nole are declared 10 b. s..erable.
16, Borrower's Copy. Borrower shall be given one contormed copy of lhe Note and of Ihis Security 1m ~rUmenl,
17. Traosfer of Ihe Properly or a n.nefieiallnlcrcsl in Uurrower. If 011 or any pari of Ihe !'roreflY or any
interest in il is solo or Iransferred (or if a bel1cfici:a1 interest in nor rower is sold or transferred ~'nd narrower is nOI t natural
person) without Lender's prior wriltcn consenl, Lender may, ut ils oJ1tion, require irnmedillle paymenl in full o~ al! sums
secured by Ihis Security Instrumenl. However, this option shall not bc exercised by Lender if cxercise is prohbited by
federal law us of the dale or this Security Instrument. .
If Lender exercises Ihis option, Lcnder shall give Borrower notice ofacccleratioll. The Ilolice shall provid.' a period
of not less Ihan 30 days fromlhc date Ihe notice is delivered or mailed wilhin which Borrower must pay all sums s' cured by
Ihis Securily Inslrument. If Borrower rails to pay these sums prior 10 Ihe cxpitlltion oflhis pcriod, Lcndcr omy il '.'oke any
remedies pcrmiltcd by Ihis Sccurity Instrulllcnt without funhcr lIolicc or dcmand on Burrower.
18, norrower's ni~hllo Ueinsl:lle, If lIorrower meels ccrlllin conditiolls, Borrower shall havc thc rigl : (0 have
enrorccmcllt ufthis Security Instrulllcnt discontillllcll at allY timc prior to thc cilrlier of: (a) 5 U.ilys (or such other period.ils
applicable law milY specify for rcillslalclllcnt) bcfore: sale uf the: Property pursullnl 10 any Jlm,,'cr of s:de cOlltai,,:d ill lhis
Securily Instrulllent; or (b) cntry of:i judgment cnforcing this Security In'olrulllt:nl, Those conditions arc tllllt J :orrowcr:
(a) pays Lender all Sums which then would bc duc umh:r this Securily In'olrulIlelll and tile NOle luid 110 lit', derutioll
occurred; (b) cures any dcfuull or any othcr covcrlilnts or agrecmcnts; ec) pays all cxpcnses incurre:d ill eufo ':ing this
Security Instrumcllt, including, but mll limited to, rcasollable attorncy!.' fces; lllld Cd) takcs sllch action as Lt. Idcr m.ilY
reasonably require 10 l1!<osure Ihat tht.' liell of thi!<o Security IlIslrulI1clll, LCll(lcr\ rights ill Ihc Property and I.Ilrrower's
obligaliun 10 pay the sums securcd hy this Sccurity Instrumcnt shall continue unchanged, Upon rdnslat 'lJlenl by
Borrower, this Securily Instrumellt 1Il1d the ohligilliolls 'iecured herehy shall remain fully clrectivc as ifno aCL'cler Ilion Imd
occurred. However, lhis righlto reinstalc shall 1I0l:lpply illthc case ofncccleralitln under paragraphs 13 or 17.
.
. .
NUN.UNIIOKM CU\TNAN 1\ UOUu'4Cr &lnd Lender runhcr fo.'O\'CfHllIllllld ;lgree a\ (ullo""',:
19. A('C'C'lcratlunj Rcmedit'" I.rndtr ,hull "iu nutlet: to UorruMer prlur In ICeeltrltiun rullu.lntl 110uo""r'.
breach or an)' C'onnant (I' IKu'('ml'nl in fhl. Steurll)' In,'runu.'1I1 (but nul prlnr III aCC'flrnllun undcr PllfuKfllpltll' IUld 17
unltu appllcablt I... p,..lde, It.h.."i..). !.end... ,h.1I nutll). 1I01l0".r .r, u..on" olher Ihin~s: (u) Ih. drr.ull (bllht
lell.n requl,ed 10 curt Ihc drrlull: (cl "hcn Ih. d,.r.,,11 ..u.. b. cu,cd; .nd (dllhul r.llu,c lit cur. Ih. drr.ull ... ~ecllled
mil)' rc,ull in .('eder.tlu" or Ihr \Unl" 'fruu'd b)' Ihi\ SrCurll)' In\lrum"'III, rurl'clu\urt. II)' Judithll procC'cdlllil an . 'Die or
Ih. Itr()p~'rlf, I.l'nder "Ilitll rurlht'f thr..t.h Uurrm,,', fir liI\o ri~hll" ,.:il1,I"I... urh', ""ocd...rallun und the r,,,hllu ..", -I in Ihr
rUfl'(!l.\urc' pwcC'rdlnR the nun.nl\h'nCl' fir II dl'tuull nr nn)' nllll'r dl'fl'l1\l'ut lturrU\H'r In Ih,'cl'h.'nUlulI und fortel \Un',.r
Ihe ddaull it nol ('ured at 'preitll'd,' .t'ndl" III Ih lip. ion nloI)' U'llulu'lmnu.'dhUe plI)nu.'lItln full uf.1I \ums U'\'UU" by thl.
Strurlt)' '",Iruml'nl without rurth,,'r dtmu^d Ind milY f..rl'du\!'! Ihill Sr('urlt)' In\truml'nl b)' Judiriulllto(,(.'l'dln.~ l.tlldrr
.holl ~ entitled lu c"lI.e( ulleap.n.., i,,<,,".d In pu"uinu Ih. ,...cdi., pruvld.d in Ihl. poruuruph 19. illdudill" butllul
Ihnlh,'d 10, IUlor"~y\' f..'el nlld (u\hi ur Iii h.' ttldenel'llIlhe l'xlenl permith:d by upplieuble 11M'.
20, I.~nder In l'u\\('\\lun. U(lt)1I :ll'c,:c:Iefillulll LJlltkr p;ltllgrOll'h 19 or ahal1l.ltmnu:nt uf till: Properly, l."'lller (Ill
f'Cr!l.un, by ugcllt or hy jUlh...tally OlppoIIH,,'d U''''l.j\,,,'r) \h:11I hc elllitlellICll'III,,'r UIHIII. lah' (lH""'''IUIIUf :llull1lil':IgC Ihe
Properly ,IIIlJ HI l,:nllcellhe r"'III\ (If I Ill' P'operl)' IIh:llILhll~ Iltu...e l'a,1 ,hll'. AllY n:nl'll l,:lllb:tl'd hy I.l'udcr or the 'cl'ei"I'1
\11;:111 he Ilpplicd lip..1 10 pa)'lIlel1tllf 111\, ,,'11\1'1I HI' 1l1.l1l;I~l'III"'1l1 (If Ihc I'roPl'(1)' IIlId t.:lllll'l:lIul1 of rl.:III'11', illdu~hn~, 1)111 111)1
Icmih~d In, rCl..'ci\lt:r\ fcc" I'fl'IIIIUIII\ 1111 h.'\."'I\'~'I" hlllhl, ;lIuJ rl.:il'lIl1ilhll' OIl1olll...Y" fl''''', illIIlllll'lI ltllltl' "'UIII'" w~ Ih:~1 h)'
this Securil)' Instrumenl, \
21, nt'lease. Upon pa)'lIIcnl uf all \'IIIIS ''''l'ur...d h~' Ihi, SeCU,il)' 1II\1rumcIII. l.emJer \h.,IIIJi"'l,.'hM~C: Ihi, ;ccurily
inslrurnenl withuul charge: In IlmrtJ\\\'r.llurr,)wcr \11.111 POi)' :111)' rCl.'nrdilliull co,I,. ~
22. Uclnslalcmcnt ..crlod, 1111I fUwcr\ lime Iu 'cin,lall' provided ill p.llil}.:r:ll,h I K ,Imll eAlclIlllU (tile lIuU! prillr In
Ihccommc:nct'fI1clIl ofbidLliug lit a \hcriW, ,..Ic llr lllher ,all' pllr~uilnllll this SCCUril)' In'lrulIlcl{l.
2J.l'urehasf J\.loncy Murta.tlll.:c. If any of I Itl.: L1l'hl ~ecured by Ihi!i. SecurilY 11I\lrulII...1I1 i, fClIllulltlrru\\'cr It :Icquire
lille 10 Ihe l)rnrcr1y, this Sl.'CUrilY 1I1\lrUI1I\'1I1 ,110111 he 11 pureha\c IIlUlle)' mnrlgllge,
24, Inleresl nute ,\flrr Judl.:lI1c"III. Ilurruwcr agrl.'c, Ihallhc inle,e,1 r:'lh~ Pil)'i.lblc ..Cler a judglHl'11I is cUler.. I on Ihe
Nolenr ill 1111 aclion ufmortgllgc: fllr\',,'ln,ure ,hall be I Ill' rale payable fWlI1lirne In lime under Ihe Note.
, 25, IUders tu this Security Instrument. If OIlC or 1I10re riders :arC' "~eC'ulcd hy Burrower :lIId rl'corded lugel .er wilh
Ihis Securily Inslrumelll, Ihe CUVenanls :.llld t1grccmclIl' uf c:.1ch such rider ,hall he illcorpofillcd into llnd !i.hall:.l1l1 :nd IInd
:"iupplc:mcnt the cc'wcnanl~ nnd nsrCl'rnC:II1S or Ihis SCl'uriry Instrument a~ if the mJcr(!lo) werc a P:lrl of Ihis ;Cl'urity
Inslrum.lIl. [Check npplicllbl. bm(e.j)
o Adju""ble ROle Rid.,
o GnlLluated Paymellt Ridcr
o Olh.r(s) [sp.cify]
o Condominium Rider
o Plauncd Unil Developmcnl
o 2-4 Fllllliiy Ril ':r
Rid.r
J
Ur SILiNINl.i IlEl.oy" J.:urwwer :Il.cepb and i1l;.fCC!lo 10 llt~. h:llll~ and CU\<:II:IIII:\ l..'llfllilincd in lhis :-:curiIY
Instrument :,ud in any ridcr(s) execul~'d hy Borrower and rccuro')~lh,il, # l. ':?l /~ /.,'
, LJ//J?7 C, ~t2-"1L.Il;J..,'
Wilncsses: ' KIM E. BA:~
.....................rR...~..\~...~'\;.c!,(l,.".v............... ~~........................................jj~~::2
~~I~'RK"~""~~" ~~......................(Senl)
~ ~. ..Bnrro....ef
, _'1..._.. Q(:"':> . ~ (SEAL)
(Space Below This Llnffl'ur4'c "Ie(l~ BARBARA NKS
(Sf ILl
COMMONWEALTII OF PENNSYLVANIA. ,...".,.. ,X,?,~...."...",.,..".,. ,County ss:
Oil Ihis, lhe. .. , .19.t.h, , . , . dny of. .. . , . , . !lPF.q , . . . , . . . , .. " 19?~,.. be(ore me, . . . , .. , .. . . . .. . .. .
. ~. Jy?~~.r>: .P.l!l?~ ~~. . . . . the ul1ders~ned officer, personally appeared. . . ~~!". .E.~. .l~~Q~?J'. .R.i,qqip;\l. S... . . . . .
,l?':~~?P/. .~~c:ryf!'F? .0.'. .I!~f)~~. ?!l.. .~~.r;1;>f!'F? .^... .~~f,l~~................ .known to me (or satis'actorily
proven) 10 be rhe person . ~ . ,whose name .5. . . i!~~. . . . . subscribed tu the within instrument :\11d acknowleu :ed that
. . . . ~~~Y. . . . . execuled ahe same for the purposes herein contained.
IN WITNESS WHEREOF, I hereunto set my hano anu onicial seal.
My Commissiun expires: --;/7># /hJ/I/J An l-tknr{ I
,~/ / . ~'4{:1(t;'l0. ' . . .\Y ./ J.r... :. v. k~. (..-.--;. . .
Notary Public
Tille of Officer
I HEREBY Cr:RTiFY It,"l
of busli1('.;:~ .:;f Iii:.! i:l..
entilltlu t) ;:i:~'~l":;~ \ '.:
2ud f.; Pi;:c :.:t.:.:.<. ,........
!lL,) (r:- :'1::;':'; ph:c.:o
.........::!
NOTARIAL SEAL ,
Notary Public
Kathleen D. Hoovep;' York Co,
Falrvlew Twp., 9 '"2
My Commis~on Expires June ,l,~
'. ~ ;~j
,./!
--..-...."'"-__.,...............w
A(iClfll\iY
S;:RS 'SI
EM C-y"" u~cn
e:r:!.1 ......;...
. .~ . ..
,.....
AI. PERCENTAGE
. n.e oo.e of )'OUt' crld" ..
_.
DUN~AP. RICHARD b,
HANICS8URG PA 170~~1
CLOSEO.END DISCLOSURE. LOAN
FINANCE CHARGE: ThO dolltr """"'nJ FInane"'; ThO amount 01
amount tn, credl' will COSI you crldlt provided 10 you or on your
b.~all
04-
Tocal orp.ymentl: Tn. &mount you wfI
have Pltd ."" you NV' made.. .
payments .1 aeheduled.
6, 2:50LHlI S
2706.6:5
S
20147.59
S
22854.24
Your paym'n1 .eh.dul. will be:
NUMBER OF PAYMENTS
47
I
AMOUNT OF PAYMENTS
476.13
476. 13
WHEN PAYMENTS ARE DUE
monthly beginning 08-01-94
final payment due 07-01-98
Conat".' HCUhnQ OIh., kNn. WIth 'he C'~ll union me)' .Iso secur, this toln.
SecUrity: You ,r, grYing . .ecUrlty Inllr.SI in:
:J Tn. good. or property being purCh..ltd.
.....ra~oe. ".N.,....,.c..,rvv...DlClYtveG
S~ of scheduled payments
o OIher; describe
2ND MORTGAGE
PROPERTY INSURANCE: You tnly ODI'tIt property ,nJur.nee from anyone you *lfIllhl' II .ee.platH 10 the ertellt unIOn.
II you get Ih, insurance 'rom lhe CI.dlt UnlOn)'OY WtJI PlY S n/ a Term Olln'uranee In monlhs' nl a
Fixed Aat' lOin Vatlabl, Ral. loan
Ilhe Varlabl. Rate Loan Box Is marked above, The Annual Percentage Rale may Increase each monlh during Ihe term of this loan based
In the following index: . The new rale will be the Index plus: _ %,
rh. Annual Percentage Rate will nOI increase above _ % or decrease below _ %, Any increase will take the form at an adjusted
oan term, For example. "your loan was tor $5.000 at 15% for 4B months and the Annual Percentage Rale increased by 2% aller one year.
he term of your loan would Inerea.e by two months,
Pr.paym.nl: It you payoff early. you will not have to pay a penally,
;.e your conlract documents for any addilional informalion about nonpaymenl, de'ault, any required repaymenl in full before Ihe scheduled dale. and
,r.payment relunds and penatlies, e means estimale
not made within 10 days of due da e.
ITEMIZATION OF AMOUNT FINANCED OF $ 20147, 59
.moun' p.'C1'O you dllec:tly Amount ",1(110 your .ceo",n,
To M'nnnol' Mull,l.1
LII.ln,urlne" Co
Amount Paid 10 other. on our behalf (describe)
ErIC Fee
· 19300. 00 .
n/a $
847,59
$
Yl/a
s
n/a
$
rola
MOTOR
VEHICLES:
MOTOR
VEHICLES:
SHARES
PLEDGED:
OTHER
COLLATERAL:
YEAR
MAKE
MOOEl BODY TYPE SERIAL NUMBER VALUE
n/a
MOOEL eOOY TYPE SERIAL NUMBER VALUE
Yl/a
AMOUNT ACCOUNT NUMBEA AMOUNT ACCOUNT NUMBER AMOUNT
S n/a s n/a $ n/a
YEAR
MAKE
ACCOUNT NUMBER
8 AMITY LANE
MECHANICSBURG, PA
1
2ND MORTGAGE
agree that the terms and COnditions in the disclosure statement above and the loan and security agreaments located on the reverse side of this document shall
:pply to this loan. /I there IS more than one borrower. we agree that alf the conditions of the loan and secuflty agreements governing this loan sl'l8l1 apply to
'oth jointly and .'ieveral/y. I acknowledge that I have received a copy of the loan and security agreements and the diSclosure statement,
JESTOR'S SIGNATURE CATE WITNESS CATE
X (SEAL) X ISEALl
-J CO.MAKER o 'OTHER OWNER o "GUARANTOR CATE WITNESS DATE
X SEALI X ISEAL'
:J CO.MAKER o 'OTHER OWNER C "GUA.RANTOR CATE WITNESS CATE
( rSEALI X rSEAll
"'"EA OWNERS '"r 011\1' ~'\OtI ..110 "-I . DlO"'" """'''.11 1"' ,00\1, <HK"De<l to/it,.... ..g.., "I" r.... 01"1' 0."". y....1I .,to I <<1-"'.... tt nol OOl"l.IMIO ~a""" <U01. !lv! UIIO'flll1l<ll t"'11"- (,..", UlloOlI nu, lM:unr, "',...., '" ,,,.
"'.,...'....lIl......,"'Il'lls.c....,tyA(l.........r
GUARANTOR ~ 1M""" ,... ('I'IM ""oQI'I "'.. IH' .........,'.,.Il.."'.", "0," ''''' Q.u',1I11l' Of '"1./10.11 Iu"" ou. on '''1'0'" In. QUII,lItO' ...'... ,,, ""'..:n ro .noc;n "" OIln'...o..oo 01"..""" 1)1 .nr'lIed o,.!,.
'ESCRIPTION OF CREDIT INSURANCE PLAN;
273(1<)-G
24602-8
=IECIT LIFe INSURANCE G'OUD POI.ey No
MAXIMUM LOAN REPAYMENT PERIOD
240 M':)l"'lths
120 MC:lrd:n~
LIFE INSURANCE MAXIMUM
$50000.00
"/~"'T 1"1lC:.Qu 'Ty ...c: ".~..~ o",.~., .."
)n the followl", Index: . ' Tho nOl'.... WIll be thl IndlI. pIuI: _'Ill,
fhe Annua' pereeni.ge Rate will nol ,ncro"o abovo _" or docroa" below _", Any ,ncroa.. wllltak. the Ionn of an IdjuIItcl
.o.n term, For e..mplo. ,t your loan wo. I", $5.000 ~Il~'.~ for 4~ month' and Iho Annual Porconlogo Ra" InerOIlMd by ~ .ft" - )'ftr,
'h. term 01 your Io.n would Incro... by IwO month I
'''Plymen.: It you ply 0" 'I"Y. you will not ".V' to PlY. PO"'''Y
Sit )'OU' conulct doCumentllOr any .CSdlhonll,nlormlllon lbOu' nonp.ym.nt. del.ult Iny '~Ul'td "p.ym'"1 In 'ull befor. tM IChedwled eI.It. and
,,,paym,nl "fund. .nd Pt"lfhtl ,mla"' "lIm.t,
ITEMIZATION OF AMOUNT FINANCED OF $ cVI'tIl. Ill>
._"'P'''''O,o..ot<O,~I', IoII'W)..,.".oG1o,o,,'"nt:>"'"
fO.........."'........".1
L'I''''''''''I:ICO
Amounl Paid to othors on our bohalf (doscrlb.)
Ey.c Fee
$ 19300. 00 $
rd", $
B4B.B5 s rl/a $ rl/. S y,l.
MOOh 8001 TYPE 5EA,A,L ~U"'8[A v"LVI
n/.
Moon 800'1' ,vPE 5EfU,.. "uM8EA VA.l.ut
rd.
ACCOU"!' NUM8ER AMOUNt ACCOUNT NUl,4BEFI "rr.aou...T
S rl/a S n/a
'I'(AA
.......t
MOTOR
VEHICLES:
MOTOR
VEHICLES:
SHARES
PLEDGED:
OTHER
COLLATERAL:
ACCOUNT ^,UJ"I8l:R
'I,IOVNT
S r,/a
YEAR
.....-E
B AM ITY LANE
MECHANICSBURG, PA
1
2ND MORTGAGE
, agrerJ that the terms and conditions In the dtsClosu'ft statement abovlt and the loan and secuflty agreements located on the rev"" sK1f of WI oocumertl J11111
apply to this loan. If tiler. IS mar. than one borrower. we agree that all the conditions 01 the loan and security BQreemenrs gov.mlng thiS loin 1If11l1tJlJlY 10
!Jot" JOintly and severally. I aCknowledge that I have received I ~opy 01 the 10 nand seCUflty agreements and the disclosure statement.
T~-S~ ~~ ~&r~~1
~';x;tl.~ M.51iJ
Roslis
rSEAll
ISEAL.
~,...,......O*.... w~ ( l/f~"'O~OI~1 tkIl f'~.~.:t..'f'C'--"'...'~~'"
.lw...'=...""....lOtft h.~~......O'.I"".._.UII".."C~r~. w#J~Jr!i-I..._o,o.... f../JtV 7~
~ESCRIPTlON OF CREDIT INSURANCE PLAN:
273(11)-6
24502-G
$51)1).00
:REOlt ~IFE INSURANCE Grol,lp POlICy No
~Allt'.4UM LOAN REPAYMENT PEflIQ:;'
240 MQY'lths
120 Mor,ths
Days
LIFE INSURANce ......lUl.1Ul,l
l.1AllIMUM OISABtLITV BENEFIT
$50000.00
$30000.00
Yes
..... "':,..\1 \le",T...." :IIS"'611,.IT- BE~EFtT
MAJ(IMU'" I,.OAN REDAYMENT PERIOD
14
RETROACTIVE QISABILITY BENEFIT
"REo,r 015A811,.1TY INS G.ouo PDl<~ "0
OISABlllTY WAITlN:;> PERIOD
APPLICATION FOR GROUP CREDIT INSURANCE
understand that lor disability, insurance to be effective I must be gainfully employed on a lull-time basis for a minimum of 30 hours per
veek lor the two weeks preceding the dale that I become indebted to the Creditor.
:OVERAGE REOUESTED
I SECONDA~'( 6ENe~lCIA~~
SPOUSE
Insur.nce Cert,f...t. No: 28921
I do.."t Jo.nl Cr..ht L.f.. Totd Cosl is S342.53o. I do ..nt Credil Disabilily: Told CosI is '506.33e.
L.f. Insur....: T... is ~ ..nlhs. Inili.l ...unl is S201~.87.
DlIollllily I.........: T... h ~ oonths. Inili.l ~I is S22'lIO.88. n,. Ilonlhly Di..bilily _fil is $.\n.31.
All)lt()tl .
-
,,::~ ~. ..
1ST. FCU
. ....M 0-. er I
DUNLAP. KIM E.
-;.:'---:-.'
[0..... MBlR
:t .: ::", 4005194
M(MBEA ,., kUMB
103605-04
D..t" ~ LOAH
06-10-91+_
. "
.
MECHAN I CSBURG,
PA 170551501
04-22-61
'NNUALPERCENTAGE
=fATE: Th' COil Of )'Our credelll
I yel")' rll,.
CLOSEO.END DISCLOSURE. LOAN AND SECURITY AGREEMENTS
FINANCE CHARGE: The cloIlar Amounl F,nanCed: The amount ot TOIII 0' PIYllllnl" Thl IlllDUnt you will
.mounl th, credll will COlt you. credll provided 10 you or on your hav, pI.d Ihtt you hive mid, an
behalf. payments IS Icheduled.
6.2:500% S 2762.02 S 20148.86 S 22910.88
'our paym.nlachedul, will be:
NUMBER OF PAYMENTS WHEN PAYMENTS ARE DUE
-, mon y eglnnlng
1 477.31 final payment due 07-01-98
:oIlll,r.' securi other lOins with the credil union mly Ilso secure thi, loan.
All num rical disclosures are estimates due to an estimated loan ~ate.
ltCurrty: You Ire giving. security Inle'''lln:
] The good. Dr proPlrly being purchaSld. {3 Other: de.cribe 2ND MORTGAGE
~tE CHAAGE n Il>I~ illite. ~ WIN 0. cra1rv-cl
5~ of scheduled payments not made within 10 days of due da e.
~ROPERTY INSURANCE: You may oblain proper1y Insu,ance from anyone you want thai is .ccepllble 10 Ihe credit union.
'you o-t the insurance from the credit Union you will pa~ s n/ a Term of insurance In monlhs: n/ a
Fixed Rite lOin Variable Aale Loan
Ihe Verleble Rale Loan 80x Is marked above. The Annual Percentage Rate may increase each monlh during Ihe larm ollhls loan based
n Ihe following Index: . The new rale will be the Index plus: _ %.
he Annuai Percenlage Rate will not increase above _ % or decrease below _ %. Any increase will leke Ihe form of en edjusled
.an lerm. For example. if your loan was 'or $5.000 at 15',b for 48 months and the Annual Percenlage Rate increased by 2% after on. year.
le term or your loan would increase by Iwo months,
'repayment: If you pay oN early. you will nOI have to pay a penalty.
tee your contract documents for any additional information about nonpayment. default. any required repayment in full before the scheduled dats. and
'repaymenl rerunds and penalties. e means estimate
ITEMIZATION OF AMOUNT FINANCED OF $ i:::1.I1'tI:l, I:lb
\~nl PllCIlo 't'OU dllKlly "mounl PIICIIO )1M Icccunl
To'-4,nn'SO!IMuIUII
LI,.lnSUllnc:. Co
Amount Paid to others on our behalf {describe
Enc Fee
I 19300. (.(1 s
nla S
SHARES
PLEDGED:
OTHER
COLLATERAL:
ACCOUNT NUMBER
A'-40UNT
S n/a
848,86 s 1"1/a S 1"I/a S rda
MODEL BODy TYPE SERIAL NUMBER VALUE
rl/a
MODEL BOOY TYPE SERIAl. NUMBER VALUE
rda
ACCOUNt NUMBER AMOUNT ACCOUNT NUMBER AMOUNT
S Y'./a s nla
MOTOR
VEHICLES:
MOTOR
VEHICLES:
YEAR
MAKE
YEAA
MAKE
8 AMITY LANE
MECHANICSBURG,
PA
1
2ND MORTGAGE
f!.os iiJ' (SEALI
M.5fi.J rSEALe
;f-DSfis ISEALI
lESCRIPTlON OF CREDIT INSURANCE PLAN:
27300-G
24E.02-G
$6i)l).(It)
... Wf"""'~~"~"~'i'U'''l1'l.J''
IOI.......J~hl..ODVII.. t.p-/I -
AEOIT LIFE INSUAANCE GrouQ POI,Cy No
REDIT DISABILITV INS GIOUO POlicy No
MAXIMUM LOAN REPAVMENT PERIOD
MAXIMUM LOAN REPAVMENT PERIOO
14
DISABILITY WAITING PEl:lroo
240 Mor,ths
120 Mcq".ths
Days
LIFE INSURANCE MAXIMUM
MA)(IMUM OISABILITY BENEFIT
, n,"I.HI4'. 1I:'lToo"" Ind.hltd 10 Lend.'.n Ih. pronnpll 'um nf U,S. S .~u .148 8f>
oh,ch ,nlltb.ltdn."" ."d.nr.d h, 1I0IToo,,', nol. d...d June 10 1994 ' d""":' ..."..".,
h ~ r Ch . , ..", '.., In tll,""on d
' r (l C'rtln "Null'''). InO\ldln. for monthl)' l"l1.lImC'nl' or principal and InlC'~',' 'an '~nt".',
Indthltdnt"..' nOI "lOftrr paid, rltu' and PIl)"lblr on .. ..~~q y, ,I t, .I9.~~ . , . . , , , . . , . ~:'. "AHh the bahln('(' of the
, To SrnJRlc 10 ltnde, Ihe replymenl of Ih. ind.hlrdn... ..id.ncrd hy Ih. NOlr. ..ilh int.'.lt Ih.,eon: th. I enl
01111 olhe, .um., ""h Ih. ,nf.,r.,lh.reon, Id"lncrd In ..co,dlne. h.'."ith 10 p'OI.ct Ih. Itcu,ilY of Ihi, M~:: '
Ind Ihel'f,fonnlnc. of Ih. co..nlnn Ind I"rem.nn of 801T00'., h.,rin contlined 80rroo., d h b ' p.
,'"nl"nd con.c) 10 ltnd., Ih. folloolnK d.,cribrd p'openy loc...d in Ih. County of .', CUI1lberl:d .'e y mon,l,e.
, . . , , , , ,,5111. of Prnn.yhln.., "'uI"d in Ih. .. IoWtlsbip.. ............... or ..S.U~ex..s' . '; , , , " . "
Im'..II'I'"'' px..lll!...,..,..
Ind mort r1nicullrly drlCllbtd in I drrd d.led January 26, 89
in Dud Book U33 , I Q' ............ ......................."....... "'" . /9" .. record.d
....".,.".........,.,. II pi It .... ,.fl., (............., _hlCh dtlcnplion II incorporated by rt(trrner.
o If 'dhi. block i. ch<thd. Ih. d"'''plion of Ih. pr.mi.., .Ubj.C110 Ih.. MOrlPI' il d.mibtd in E.hib', "1\" heel
In u nOC incorpor.led by tdrrencr 10 I recorded dud. I , lieU herelG,
f'f
~ ,
c- . '
== ." ("
"
- .-
N ,. "
:.:
l,. -
=0 <"> c
::3 co
c . ,
.-. .- ....
0 - '"
-: c' .
0 , <^
tI1
,..
which has Ihe address of' , ~ , ~~,t,Y..~~~7 .. .. . .. .. .. .. .. .. .... .', , , , . , , . , . , . , . , , ~~~?~~~~s,b,u,r~
(SI'"IJ (CIIyl
P I' 17055 (h . "P Add ")
ennsy vania . , . . , . . . . . . . . . . . . . . . . .. ercm roperty ress;
IZlpCodeJ
TOGETHER with all Ihe impro.ements now or hereafter er.cled on Ih. p,openy, and all easemenlS. rights,
appurtenances and rents. all of which shall b. deemed to be and ,emain a part of the p'oprrly co.ered by Ihis Mortgaee:
and all of the fore,oing. togethe, with said proprrty (or the leasehold est at. if this MOrlgage is on a I.as.hold) are
hereinafter referred to as the "Proprrty,"
Borrower covenanlS that Borrower is lawfully seised of the est ale h.reby conveyed and has Ihe righl to mort,a,e,
grant and convey the Property, and that the Property is unencumbered, except for encumbrances of record. Borrower
covenant, thaI Borrower warranls and will defend generally the till. 10 Ihe P'openy against all claims and demands,
subject to encumbrances of record.
PFNN~VI VANIA-~I=r.nNn MnRTr.M.I=-l/Rn_~NM"/~WI Mr. IIN1~nAM IN!;TRIIMFNT
COMPETITION ANALYSIS
Sellen oRen believe, "I'air M.ukel Value" i~ e~labli'hed by .imply what Ihey would like 10 n:ccivc or n<'cd 10 n.....eiw
from Ihe sale of Iheir home.. However, markel value" e.tabli.hed by Ihe price III :Y':RS are willin)t 10 pay for
properties. R.:cenlly SOLD propertie.. arc compan.'d 10 Ihe subj<'<:t property, nOlin)t Ih<' ..Ie prices, lime on market and
concessions in Ihe sale, if any.
Careful <'on.sideralion must be )tiven 10 Iho,"", simil..r prop.:rtb compclin~ on Ihe markello effeclively IlIJrkcllhe
subject propcrty,
Buyen interesled in the subj<'C1 property and the .~ene/'lll price /'lln)te will look in Ihe", developments orcommunilies:.
Buyers may be interested in New Home Conslruction available in the,", communities: .
The subject property is located in _ in whieh _ Propcrtics have sold within the lasl _days with an overall average
in the developmenlal $_ sale price Wilh an average of _days on the markel..
((nfonnalion oblained from dala SOUn:e: CrMLl
."c<<<<<,," '.' " REPRESENTATIVE COMPETING SIMILAR PROPERTIES , ,
- <:DATA , COMPETING 1 COMPETING 2 COMPETING 3
0\<1&..., 10 .\aul)' Lw< ~ o..,,~ny Dm'r 1'8.a'taom
.\tedLlnicJbu~ ^1t'Cb.mic.11buQ:, AI<<UnKWWX
Distmce From Swjtd ;'\iti&bbur +/. .5Miln +/. '.\hlts
D.lII)'S ou Abrkd 166 79 37
\.~ListPrkt 129.900 119.900 129.900
CUlTtut Ust Price 119.900 11~.900 1:=9.!JOO
.\&. 193; 1986
tolsize .35.\crt .21.\crt' ..., "ere
An:IUI.dural Sty'lo TraditionaJ Tr..tiboual Traditional
ROOMS aud BAnIS T\.'ltal Bcus Baths TIJtal Bcus Bath T4..1tal Beus Balhs
7 . 2 6 3 11/2 . 3 1 fuJl.21Lal1
NwWcr
Cross Living Area - Sq. n. 172,. I:!SO 114&
n.s.m.ul fuJl.WilIk,olll :-';Ollt fullJ'juisbtd
;\;onc lC.u leU'
Qu"ll.
firqJlaces
\."ltIKrAmtuities: B.lkol~' full.lJoornJattic mfJCc/Dcn
\\'oodSIO\'c Ncw Roor firtplact
Shnl Sbn'
I'orch lJ<ck lJ<ck J.audsc"'J1n~:;ll'oud
. -~------,._----~._~-_._--~_._--
._m_____._.____.__~
10 ~~ITY LN
Mun SILVER SPRING
Oir 81 S TO X 18,
LotS: 85 X 175
Rooms 7 Bedrooms
Fee
Style TRADITIONAL
LR 17 X 11.5 LVL M
DR LVL
FR LVL
DEN LVL
KIT 11.7XI6.2 LVL M
MBR 12.8X20.9 LVL
BRl 14.7XI3.4 LVL
BR2 10,5Xl1.8 LVL
BR3 11,5X12.2 LVL
BR4 LVL
ORl 7.1XI0.4 LVL
OR2 LVL
OR3 LVL
S
SchDist CUMB
R/944. R/WERTZVILLE RD. L/AMITY
Acres 0.35 Totsqft 001728
4 Baths:Full 2 Half 0 #Firepl
Lvl-Bth,FulIMU Half
Exterior
WALL TO WALL CARPET
119,000
MLS # 10041723
Dev
Source PUBLIC .
00 Warnty N YrBlt~/- 1987
Taxes
1366 'lr 1999
CEILING
CEILING
CEILING
FANS,VINYL FLOORING,BALCONY/DECK
FANS,BALCONY/DECK
FANS,WALK-IN CLOSET
WALK-IN CLOSET
Fin CONVENTIONAL, CASH Heat BASEBOARDS, ELECTRIC
ApI RANGE. DISHWASHER Cool CEILING FAN
Equip SMOKE DETECTORS, CEILING FAN Bsmt EXTERIOR ACCESS, FULL, SUMP PUMP,CO'
IntF STOVE, WOOD/COAL,FREE STANDING,' Prkg
Rooms OTHER Ameni
ExtF DECK,BALCONY,STORAGE SHED/OUT B* LtDsc LEVEL
WtSw PRIVATE SEWER,WELL
QUIET COUNTRY SETTING IN SILVER SPRING TWP. WITH 4 BEDROOMS.
2 BATHS, WELL MAINTAINED HOME ON .35 ACRE. BEAUTIFULLY
LANDSCAPED LOT WITH A BOUNTY OF SPRING FLOWERS. ENJOY THE
TWILIGHT VIEW OF THE MOUNTAINS FROM YOUR MASTER BEDROOM
BALCONY, PLENTY OF ROOM FOR THE KIDS TO PLAY AND GROW. BRING
THE FAMILY! 12X20 SHED TO REMAIN.
INFORMATION THOUGH BELIEVED ACCURATE IS NOT GUARANTEED
---_____m__._._. ~__________.____~____~_____.._____._~__..___. __._~__~___
--
A. ESTABLISH YOUR PROPERTY VALUE
.
r
,
\
t
f
[
,
,
,
.'
!
I.
MAJU(ET VALUE / FINANCIAL ASPECT
~ USE OF SOLD COMPARABLES
~ SIMILAR IN FEATIJRES
~ SIMILAR IN LOCATION
~ MOST RECENTLY SOLD
B. ESTABLISH YOUR ESTIMATED NIT PROCEEDS
~ CONVENTIONAL, VA, FHA, FINANCING
..:.w,Q.t.\. 00. 96
"c" ..
'. .,....,
j;,.,,....--._~, '"
. W..t Shore SalOl Office: executive Orrice: Ca.t Shore 5.1.. Office:
. :1:11 0 Markel Slreet :IS 1 0 Market Street 51:17 DeY';R..;re Road
Camp lIi11, PA 17011 C.mp lIi11, PA 17011 lI.rriJburx, PA 17112
Phone: (7t7) 761-1910 Phone: (717) 761-1910 Phone: (717) 652-7260
ru: (717) 761-5508 ru: (717) 761-5:108 ru: (717) 652-9261
DI1WIIua IlALTY
. --
COMPETITIVE MARKET ANALYSIS
V.le: Oclo/lrr 15. 1999 AIJJJRJ:<;SI:<;:
"''<pared by: I:"i. Odlakoni. Subject: g Amity J.ane, Ml'Chanicsbur;.t
Susgc'led !'lice Rong<: Sal< HI: 21 F.a:\twood Dlive, Carlis1r
S k, S Sale H2: 41 Lo.>ngview Vrive, Mcch.nic.burg
Salc H3:
Feature:s Subject Property Sale No. I Adj. Sale No.2 Adj. Sale No. , Adj.
u.'1'rict 124,900 1~8.817
,
Sold Price 115,000 I ~5.000
Solcl Dale 8/05/99 8/1~/99
. 0' OafS o. Mkt. 17:' 61
LoISilc .~i4 Acre .50 Acre .47 Acre
Style Traditional Traditional Trattilional
le4roo.. 2 4 .4.000 3 -2.000
BaIlIlS I 1/2 I 1/2 21/2 .2,000
r&alily loom Mainl.&:\'eI .2,{l()O ,\\ain Le\'cl .2,OOl1
COllllnetiaa frame Frame frame
SqRarc rootqc J~548 2.000 1.700
CU03' I Car -2,000
A3' 1989 1976
Co.clitioll Excellent Good Good
HcatiDI Ba.scboard Electric Ba.sd:'Oltnt BilScboani
Electric Electric
Ail' COllditioaill3 Wan L'nit
litcllcn Equipmtlll Range. [II\\' Rang<. D/\I' Ril.l1&C',D/\\',
Di5po.c;al
Ba.sclllul fun, Walk.out full +3.000 J'amal +3,000
Extra Fcalares
A. Deck:
B. Shed Shed EI1c1os~d rorch
c, Loft. Sitting Room Hot Tub
0, fireplace fireplace fireplace
Sold Pricc 115,000 135,000
Adju.lltmUI.lI .3,000 .5,OCIt"'l
ADJ. Mnc.V.uuc Pucc II~.OOO I ~~O,OOO
W"I SIlo... Salel om..:
.1310 Marbl 511ftl
Camp "II~ PA 17011
Pboat: (711) 76/-1910
1lALTY' F..: (717) 761-!308
...--.. --
I"CllII.. om..:
.1310 Marbt 511ft'
Camp 1/111, PA 17011
Pa.-: (717) 761,1910
F..: (717) 761-5JOlI
lasl sh... Salel'om..:
5U7 DevaeaJ,1... Road
"am.b.... PA I7I/Z
""-: (711) 65Z- 7Z60
F..: (711) 65Z-9Z6I
..._.._..._-+~"
SELLER'S ESTIMATED PROCEEDS
- EXAMPLES_
October IS, 1999 SEtI.ER: Kim Dunlap
8 Amity Lane; Mechanicsburg, PA 17055
Type orFinucina_..............................
Sellinl Price...... . . ........... ... .. . ... . ...... .
I. Broker's Service Fee 7 ~of$
2. Transfer Tax 1% of$
..........
3. Preparatioo of Deed. . . . . . . . . . . . . . . . . . . . . .. 85..
4. Notary Fees............................. .10..
S. Disbursement Fees I Settlement Fee , . , , . , . . . . . , . , . ,
6. Wood Infestation Report. . . . . . . . . . . . . . . . . . .40 . .
7. Radon Remediation. . . . . . . . . . . . . . . . . . . . . . . . . . . .
8. Well Water Analysis Report.,.,.",...,., .150,.
9. Private On-Lot Sewage System Inspeetion ".,250 "
10. Buyers Settlement I Closing Costs., . , . ., . . . ., ., . .
II. Home Warranty Program, . . ,($395.00). , '" , '" , . .
12. VAlFHA Tax Escrow Service Fee,.,...",., 100..
13. V AIFHA Document Preparation" . .. , , . '" , 350. .
14, _Transaction Processing Fee
15.
16.
TOTAL SELLING EXPENSES. _... _...... . _... .......
Estimated Pay'offExisting 1st Mortgage. ......... -..... -. _I
Estimated Payoff Existing 2nd Mortgage / Home Equity....... ,
TOTAL SELLING EXPENSES and MORTGAGE(S)......
SELLING PRICE. , .. . . . _ . . .. . . . . . . . . . . . . . . . . . . . . . . '1
Less Estimated Selling E,,')lCnscs and Mortgage(s) . . . . . . . . . . " ,
ESTIMATED NET TO SELLER. ......................
SELLER'S ACKNOWLEDGMENT
WITNESS
Con..cnUOn:1l Con\cntion:1l Conventional
115.000 118.000 120.000
8.050 8.260 8.-lOO
USO 1.180 J.20/)
8S 8.5 8S
10 10 10
40 40 40
ISO ISO ISO
2S0 2S0 250
125
125
125
9.860
1Il.IlXl
10,260
SELLER'S ACKNOWLEDGMENT
WITNESS
('.\tD.C.\\AIS[I'J'l~.!Ot>
I
I
VO'.OllOft "0"- UNIFORM R..ID.NTIAL APPRAISAL R.POftT
'. '" "'int. nl Aput..!l1U .a tG .,..",,,I~MIric..t Valul .a, ~.I"" 'n 1"- till' 1aUr1 lal"'MInI I
tt/'..Ol"<<; $tl:11l;H tSttOW Gf'O~:i lrvWn AlICol AhUVIi UI ) UlNA' J "
'~~.~-;;:;~.~~w.._""'I'''''~'-'''l'''''''''''-.-'''--:'''"'';;6 ~!no 111 $Q 'l. .44.1 _.
I~K15xl _ 180 . O."l:"- ......."".__
'-''''' ~~~on.n-- .-_ _
-
-.,.~
.
fill II I
A\'STAN lITe; n.
Itil.....
""-Ii'll'
. .
49'311
lIll:n.-
--'1 ,",", '.
1116
Soet.IaJ(l'\efw;;;;:;;;-t"...... _U...11d.rd
Prwche'.I~flO', IIr - -
C",,,,/C,fpOf, _--=-_ III ". . .
Tat.1 Et'ltn.tld COIl N....
---
---.--......
TOTAL SQ. FT.
~O"~ datA obtaln4d [rom 'tAr.hall
V.l'J~tion gervlc~ ~'fl(1 la~.l OOllLrftctnrs.
-'--
D""OND
L." ''''tIIC;'' IfUfttr~1 I r.,..,"(
Oeorwel:JlIllon " .,
Orp'''ta'ed "'"' or IrnpruY'lfnlll" .
Sill Imp ~'II.. (dt1ww.)'. lendle.'*'a. -'C J
tSTIMATCDsnc VAUlt ......,....
(tf Ituetaold. Ihow Ottti "uehofd vlLI I
. c. ,
ConstrUCtion WIIIT.nty ., .
Name 0' w."."ry Program
...."."1)' COYIrlve bpi",.
-$
- 1__-,
- s_"
-s
70~71
1'~:)IItI:QUlrt'a bv F'8dctoll Mac anti FeMia Mae)
01"1"5 f11I)()P'lv conform 10 IlPOllable HUD/VA ProPl'rty sland3rdS?
tf N., (llIpl.,n'
T'_ """"-'''9'''"'(1 .... '.Cjl.d 1~_l'Wc....r """'s Df proD.".... mo.1 ajllll~r an('l D'O.;.,..'. lQ .ub,.cl and 1\1.. C:~O"d I,.... In IIw matkel ~., Tha o.~lpl_ WOCk.Idw. . doll.,
I"J,,,,,...,,,,, '''/''''''''ng ....'..., ,.~IOOl"l'O ,~.. ito"" or .~nlr~1 ",.,..lan 0.1__ tho IIUblec.1 .nd OGmD&tatl/le ~Iou.. ". aog~ ,--. In en. co"...,.~ p'opwt~.. ~.....
.., ". "'').., 'a..crab/Of 'hnn. lhe .vb~1 Pf'O~".... . mln..lI I-I nclllAlma"1 .. "'.ce. trlla IO(/uOng ltle Ittdlaae.d ...... 01 1ItAl,-e1; " .- ...,..,...... Item In It.. CCIItrCI.... _ ittlet_ to"
(.. ~,,,.. "..........,.. Ih4I"l. I" SlIO.-c;1 .1Ocl~t.... ft 0.....1.' ~,..."".,,11a "'&001. I.... ~"IIlt>e II'ldlCll..., \II.... eI """-..btod.
111M SUBJECT COMPARABlE NO. COMPARABlE NO.2 COMPARAlIlE NO. 3
P':"'.I>'rlIIV In Sub/eet
S~;~!. I'll".
P''>:'!IG,05S LIv. A'ea
Oala Sourr:t' -
.VAt U,= ADJUSTMENTS
SiI'U or FInancIng
COflCe5Slons
Dale 01 Sale/Time
I.(lCCllfon
SI~elVlew
O~~I nand Appe.al
Quallfv -rir Consh:x:tion
Aoc-- ..
CondlltO/l
Above Grade
Auum Count
ern".. Llvln Area
e;!iemenl & Finished
Awms Below Grade
F'mr.lional Ut,lll
HeNt;;. ICoolin
Gara t!/Ca' tl
Perches. Pollio.
Peors, elc
Sp~ctal Enatgy
eHtr,tenlllems
F.....placeisl
O!ho, f".Q kilchen
eowp.. /emOdellng)
~ Nel Adl Ilolal)
1n,1'CClTCd value
or Subl~cl oS 64500
CrJll1ml!/lIs on Sales CDmparlson: are 1 c: .l. e n
pa.ameLers due to ~ac~ O~ sim4 ar sa es 1n Bomew a
are wien1n th~ same townsn1p ana scnoo~ Q1Str1ct.
INDlci.ti.DWnuE I' SAUl cOMPA~II01I ...."OACH ...... ..... ........... ......~-:-.~.:............ '''''' ............. ......... ......... ..... S I :J1Glt.:J"
I INDICATED TAL.. IT INCD". 1.'R.ICH (II Apps".") E,"mated Ma".. Renl . . 1M" . G'D" R,n! ""'I/Ipll" _ s__ ._
TIus appraisal Is made 0 -as Is" ~ .subjecl 10 the repairs, alterallons. fn.soeClfons or tond/lions Ifsted below ~ comprCllOfl per plans and S,Pe1;lflcalfons.
Cnmmenls and Condilions of Appraisal: *Marketing area l.acks adequate number of rental sales to
u~11ize income aPProaeh~'Req.a~~ pa~n~1nq ~o De c .
Fin..1 Rllr.U.,~jl'ation: p~ans De si.i;JneCl""1SY-corrOWGr, comp~e~.oh ana COmp.L1ance ~nBpec:t:.:t.on tII: _
compl~te re..l.ease 01: ~~ens-. ."'ppr'a.J.sea va.Ll.Ie assumes comp~et:rO"n Q.l; nome--rrf" cl PZ;;QZ;
worX:ma::nlikl!!! a:f.iQ C1meJ.y manner. tloifE".-wei'gnt:. was p.1.acea on ~a.1.es \,;ompar1.son.'Aria'ly
HilS acprais.al "[sbased upon lhe above reQuiremenls. the CettificaliDn. co'nflngenl and Ilmillng COnditIons. and Matkt!t Value dennilioo that are slated in __.~~_
8 Fr.;I'fA. HUD 1./0t VA InstfUl;:tlon5,
FrllVvle Mac FDrm 439 (Rev. 7/86)/Fannle M.all FDrm 10049 (R..... 7/86, filed wit., Client January 3 19 89 ~~~dd.
I IWE, ESTIMATE THE "."IET VALUE'. AS DEFINED. OF THE SUBJECT 'RDPE"" AS OF F"lr~.~y .L"-I, ID~ to bJ I
I fWeI C8IliIV: that to Ihe besl 01 mV (our) knowlcdg" and beller the facts and data used heroIn ate ftue and COfrecl; thai I (we) personally In~petled the subject properlY, bO,th
mr,id" .,nd oul. and have made an Bleterlor inspecrion of aU comparable .sales clred In Ihls report; ,lnCl thaI I (we) have 110 undiSClOsed interest, presenl or prospettrve thl!rem_
APPAj-'lse:R(Sr~. ~ ~. ., REvle~ APPRAiSER
~'~"';lf';'. ,q, . ; -~..... ~... (II apptiC<'\b1c) S,on.lure 0 Did 0 old Nol
tl.'....e a J. aft. J!' 0 ~ ~ S ' , . No\me;::r- Inspeel Property
Add'oss
.'.'h "_~ ..___....
..
.
lZl
.
lZl
l:'l!'
OCSCRIPfW
6"00
.
lZl
DESCRIPTION
:;:II;:;rli:;:I;il'iW;'III;'
:' :' ! , I : I i f I : I ! !!: I ~
YTBB
::t
1"
DESCRIPTION
o C.IIAdJ..oIll!'Nlhl
DESCAlPmN
.1-11...............
ot.UA.ll)aI_1
~
;"3'4
v
~
,..
",
-L1lJ:er~or
,,~j ,"~. Sa""
e1:'~
Tcr\Jt1 ,8d""11. alIi'll
~ill .ed"",. Baa.
'ToI.'.9dr".. a.....
100"
0~
II..
5 :Ft
,
~....d:i
-3000
SQ. Ft. :
-1~00
-8500
SQ, Ft :
500
-3500
o
SQ. FI. I
ar'
6imi1ar
uper10r
-2000
1.m:L~ar
0.-
if-
%"1"".--
- 0
e
1:
"Rb
lue
Slip'in1
IU ar
50'lf
76400
79000
.
excee
.......................... .-.... ....... ........__.. '~__"M.. .._........
:. ilC,lIl.Pllll /ClS/OO ^\'5~ lITe co
..;~.:::; r~~. "!'!y ~.nJl.fJJ.t.t .M R..'D.NT'AL APP~~. '''0"
J:~I~ -./f.u....:~_n ~C':"b'ui1r-"i:t:;;-ttJ-C\llftb..-r'1-4ni1 - 'S.I.'QPIt. Cet~,u,c=!' 1-;0lJlJ-.L ,
I'Jtll(ltoUhPI_1 """"L6r:-n:r '1ltn or n""7-nl.ll~ii-r'I1Vn1- D~rln...--'Tgl)-- ~::fln~.
fN."'IJI,!t~~"t V.lt)..!.!_i-.!:-=-~':'~ ID lar t"ot,,':-..T(f1t'l" _,~q'---~~...ipfl.(.;,w--: 'l-:t;"-09-ns-=cU'i "'OIlVofgt An'Wl'1'
Ji_~!!.fI.!".~_:!_"'''''' _._._c" ~ t;;"- 2' '09", ~__~_u_ .-... ----. PflOf'l.IlIY '.1M'b "'J'I"R,AI!i,LU MoIlgalJO ryp.
1.0t" ("-I",,,ec.'I(ntll)nt Iq Colt petd ~ ~_. 1I(,IIIU l(nown - -- ~.... titntp4. U.~ourll f\l&tll' 'ndOtneftont.n;on;-'-
!!U'.~~ Not ~~...TI". ""' --,rrA II,.. "Mi',"-'A .. L'IMhuld ''lid by Ii..", ".
1'''~''''/r:.,."tlT4''Ynii .tf."lnO".")Il-..uu~u"'J.OTI-- ... Cona1arNnltlOllltUOIVA) _.______.___.
_~."rl.kfl. Klan E.."toh.rda.oun18P&lIank.RlchftJ:'d.. n.....nWm.PI.. Sourc.
LOCAtION Urbln SWl.I'tNn lUll Nt-.tftlOHJ<<)W.-NAL,VS/$
fttJlLf liP 0..... 1rt" 26-7(j'" lh"'.' 2"" E",ptoyrtl'llt S111~1o';
CAOWHt PlAn "epld Stable SlOW Con~ncII to [ft1IlIovmenl
rnorwT't VAlUeS 1f"'",1I1O Ct.-bl. OUII"11'lg Con....nl.nu 10 ChOPPIng
1It- MAMJlftlH't'l Y Mcu1AQlt In U"'''N.l'l OwN Rt4'1i1 Cou...entanr.e ItI flthoola.
MAAI((TINl"J TlMt UncllM , Mo. :".n MOl OVII 0 MOl AdeQU~'t I)' f'utl/Irt Trllllsprnt.Uon
ls HI lAND use" lAND "s pnCDOMlNA~T GfNGL[ fAMllv .IOU~ H.ClutIon raCIIllHl.
Slnol' f."""1v 50 NOI L.u'V ~ OCClJ'ANCY I~I r;;: Ad.quae; of Uhhll.a.
..- 2." r,o-,"; lIkt1y Own., ~ ' r,ope'l)' Compa'lblIi'y
""'II fAmily ~ l)fouH Tenant 8 6 5 Low N. W P,ot,c:bon ..om Dalftmenlal Cotld.
Comm.,cl" To' DeVil 1 upe \\u:ant (D,'''J.. Hiott Police & ~lfI P'otecUon
ft InduSl",' n.. . n a Vac.lnl (ow,," 5") Pred,wn"'MI o.o.rlfl APPO&,lnl;Ct of P,opertla.
VlCa"l --S 80 15 II to ~'ket
NOlI: hac. Of 1M I'Iclll compositIon of Ihe n.lghbOrhood ... not conSldated reliable appraisal factors.
COMMCNlS. Easy access to employment conters, Dchoo~B, shoppino
Sub:tecc. ne1QnnornOOll 1.11 .l.ocat;;uC1 JlOrtn-'.o'th Rout.t;' 9""4,'-tjfj-tw..n
-lIofie Roaa.
..
. ....",
.-.: ...
1Il/-lllP
't U,
I
,---'-.-
.nd eranaporeae1on,
~~~.t.. 114 Ana (loo-a".
Urm'''slCIna
SdeArea . ~CI. ^ore Cot'ner LoI NO
Zuning ClaUdicalion Hes 1Cen't:.1 a..L Zo",~ Compliance Yea-
HIGHEST & BEST USE: Ple"nl Use Othor Uto Pro pall e U II e
UTILITIES Public Olher SIlE IMPROVEMENTS TIpe Pl.lbllC PrlvilIto
EloClllcl1y Slfeet Grave . ~
G,1S CUlb/Cul1er 0
Wale. e Side'walk
SaMa,; Sewer e p C StrHt Lights
Slo'", SeWllr Ane
COMMENTS (Apparent ad...erH eas'manl&, .nc'oaChm~flll, 5PeClal ..aMemen", alide: area., ele.):
or encroachM6nts noted.
'-Roaa O~~ KOU~e ~Q4 ~& macaaamJ nowever, a~ B1&e ox
GeNEAAL DESCRIPTION EXTEfUQA DESCRlPTXJN FOUNDATION
Unils 1 Foundallon B II B1ack Slab
Stories -r::'s UIO.JOf Walls n Crawl Space
Type (Oet/Au) e Roof Sl.Wface A~1ii Basement
Doslgn (StyIO) GtJlters & Dwnspts. ~~ um SUmp Pump
ExisTing Window "TYPo 00 Dampness
P,oposed S10rm Salh n..u a-ce Setllemetll
U"der Constructlon Screens 0 Infastatlon
Age (VIs.) ew Manufactured tlouse 0
Ellcctlve AgO (Vrs.) ew
ROOMS Fo er Uvln Dini Kitchen Den .FiiI!!1.!.ly _~,:",. Ree. Rm Bedrooms
Basenlenl
level T A---X
Level 2
Topogr.phy
sa.
Sh.pe
Drainage
Voow
Landscaping
Or1veway
Apparent Euemen15
FeMA FlOOd Hara,d
FEMA- MOl /Zone
SUDJeo't. .1t:.
BASeMENT
Area Sq. Fl. 936
" FinIshed
Cellino
Wills
FI_
Ou1slde Entry e B
,., 83lhs
laundry
1-;'0
Finished area ....,. r.:.rde cllnlalns:
SURFACES Malulals/CllndlUon
Flllors CArpet/New
'^"<Ills rywa ew
T.im/Finish 0 0 a~n
8;Uh Roor ny ow
B:1lh W:linscol e r.q a!l S
Doors 'Woo ew
J<it Fl ny
Aooms:
Bedroom 51;
KITCHEN EOUIP. ATTIC
R,olrlgetator Nane
Range/Oven Stairs
Oflposal D,op Slalr
Oist'lwashar Scunle
Fan/HOOd ROOt
CompactOf Hear~d
Wa.shor/Dryer Fin~hOd
MiCfllwave
Intercom
Adequate
Inadequale
EklC:"lc Door
Ej
D
B
..ve
Typ1clIl
Hectanqu.la;r;
AaequaEe--'
Avera",. -
'rap BO.1.~ 8pre.d
tone
O~ recora
~.' No X'
..lDe
1. Q1r't..
INSULATION
~:~ifng ~ ~
W;tli, ~~:-s ..
Floor -
None
Adequacy
En.rgy Elficlenl hems:
S't.andard
Other Area SQ. Ft
936
alh(s);
IMPROVEMENT ANALYSIS
Oualily of Construction
Condltlon ollmprovemenl5
Room Sizes/Layout
Closets .and Storage
Energy Errlclency
Plumbing-Adequacy & Condition
Electrical.AdeQuacy &. Condition
Kllchen Cabinels.Adequac~ 8. Condo
Compatibility 10 NelQhbo,hood
Appeal & M.uketabiliry
Estimated Remalnlno Economic lile
Estimated Remainlno P slcal Life
~
HEATING
Typo
F,"
Condition
Adequacy
COOUNIl
Cenlr.J1
Other
Condition
Adequacy
AUached
DetaChed
BulII.ln
House Enlfy
Outside Entry
Basemenr Entr
c
LOI:t:.
BB
eo
ew
ver
No
Fireplaeels
~ CAR S,TORAGE: Garage
No. Cars Carport
Condlhon - None
AJfOillonOlI features: 0
bath and oearoom ~o De 6~Uaaea OU~ on.l.Y_
arywa~~ea ana ~~I'~snea ~~ue
Depreelalion (PhySIcal, IUl'M;:ttonal and clltemaJ Inac1eQuaeleS, repairs needed, moaernlzation, etc.):
in~dequac1es noted.
uare Feat 01 G,oss livl
~ A" .",
8
~0
A,ea
...,
8
8
~
VIS
VOS
1010
..
area on secona ~eve~ '1:.0 pe
-N,I'.
I:UnC~10na~ or eXt:.erna.
.. -General mark,,1 condillons and pl'llvalence iilnd Impilct In 5ubiecl/ma,ket area regardIng loan dl5count5, inle,esl bllydowlls and concew.slons.:.' ^ rea r e iiiI. .L
e~ta~e m~rke't. is considered active wi~h ~ow int:.ere~t rates be~ng t:.ne pr~m~rV-
ca a ypel!5 0 a ~'re--l;Irt:n t:.ne t:.yp1CilJ, .cQnven:t.1ona~
oan e 09 a 1n , po t:-S-;--fO.r up 1;.0 a ~r.o year ~flrm.
F"oo"Jl'll. Molle FMm 70 '0/06 1:leU. AMEAICANAEALTY "CAMS, INC._ All!!XANOAlA, VIRQINIA _ 1 (000)842.0404.703-1984.3500 Fllnnie Ma" Fcwm 1004 10/196
" .
CUMBERIJ>.ND COUNTY TAX CLAIM BUREAU
ONE COURTHOUSE SQUARE
C1\Rl.ISLE PA 17013
PHONE 717 240-6366
FAX 717 240.6354
Printed:
9/17/99
13:03:24
TAX CLAIM RECEIPT
Receipt
Receipt
Page:
No. :
Date:
I
13173 I
9/17/1999 i
i
1 !
!
Total
Control Number: 38-001268
Property Description:
86.49
113,51
$200.00
$200.00
9/17/1999
1610.88
1649.10
3259.98
$200.0
BAl~K~~.KIM. RICHARD &
BARBAJ<I\
8 AMITY LANE
MECHANICSBURG PA 17055
LOT 32
HOUSE
Situs Information:
0008 AMITY LANE
Map No: 38-13-0985-065B
SILVER SPRING TOWNSHIP
Tax
Year Description
penalty &
Interest
Costs
Face
1997 CTY-SILVER SPRING
1997 BUREAU COSTS
35.85 50.64
113.51
Received For Year Of 1997
Total Received
()
Tendered >
Received By >
Paid By >
Remarks >
MONEY ORDER
JH
KIM BANKS DUNLAP
447410220
Balance Due As Of
Sale Year: 1997
Claim Year: 1998
Claim Balance:
Receipt Number: 13173
Total Received:
. .
CUMBERLAND COUNTY TAX CLAIM BUREAU
ONE COURTHOUSE SQUARE
CARLISLE PA 17013
PHONE 717 240-6366
FAX 717 240-6354
Printed: 9/17/99 TAX CLAIM RECEIPT
l3 : 04 : 21
Rece ipt No.:
Receipt Date:
Page:
13174
9/17/1999
1
I
f
,
,
~
r
Control Number: 38-001268
Property Description:
BANK~~.KIM, RICHARD &
BARBAI<l\
8 AMITY LANE
MECHANICSBURG PA 17055
LOT 32
HOUSE
Situs Information:
0008 AMITY LANE
Map No: 38-13-0985-065B
SILVER SPRING TOWNSHIP
1997 CTY-SILVER SPRING
1997 CLB-SILVER SPRING
1997 MUN-SILVER SPRING
1997 SCH-CUMBER~lD Vally
Face penalty & Costs Total
Interest
166.55 166.55
13.20 3.32 16.52
88.00 22.00 110.00
106.93 106.93
Received For Year Of 1997 $400.00
Tax
Year Description
o
Total Received
Tendered >
Received By >
Paid By >
Remarks >
MONEY ORDER
JH
KIM BANKS DUNLAP
02-827994085 & 020827994086
Balance Due As Of
Sale Year: 1997
Claim Year: 1998
Claim Balance:
Receipt Number: 13174
Total Received:
. . . .
. , I .
KIM E. DUNLAP,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
v,
: NO, 99-2092
RICHARD S. DUNLAP,
Defendant
, CIVIL ACTION - LAW
: IN DIVORCE
CERTIFICATE OF SERVICE
1, Barbara Sump Ie-Sullivan, Esqu;re, do hereby certify thaI on this date, 1 served a true and
correct copy of the foregoing PRE-TRIAL STATEMENT, in the above-captioned malter upon the
following individual(s) by first class mail, postage prepaid, addressed as follows:
Philip H, Spare, Esquire
44 West Main Street
Mechanicsburg, PA 17055
Barbara Sumple-Sullivan, EsqUire
Attorney for Plaintiff
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court I.D. No. 323 I 7
DATED: November 23, 1999
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KIM E, DUNLAP,
Plaintiff
IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYL VANIA
v.
NO. 99-2092
RICHARD S. DUNLAP,
Defendant
CIVIL ACTION - LAW
IN DIVORCE
MOTION FOR APPOINTMENT OF MASTER
PLAINTIFF, moves the court to appoint a master with respect to the following claims:
(X) Divorce
( ) Annulment
( ) Alimony
( ) Alimony Pendente Lite
00 Distribution of Property
( ) Support
( ) Counsel Fees
( ) Costs and Expenses
and in support of the motion states:
(1) Discovery is complete as to the claim(s) for which the appointment ofa master is requested,
(2) The Defendant has not appeared in the action personally by an attorney.
(3) The Statutory grounds for divorce are indignities and irreconcilable differences.
(4) The action is contested with respect to the following claims: equitable distribution.
(5) The action does not involve complex issues oflaw or fact.
(6) The hearing is expected to take one day,
Dated: August t', 1999
(7) Additional information, if any, relevant to the motion:
Barbara Sumple-Sullivan, Esquire
Attorney for Plaintiff
549 Bridge Street
New Cumberland, PA 17070-1931
(717) 774-1445
Supreme Court I.D, No, 32317
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LAW OPPICI!~
BARBARA SUMPLE-SULLIVAN
""I> IIRIDOI! STRI!I!T
NI!W CUMIlI!KI.AND. PI!NN~YLVANIA '7070-11>01
!)IIONB (717) 7740144&
FAX (717) n4070~O
November 23, 1999
E. Robert Elicker, II, Esquire
Divorce Master
9 North Hanover Street
Carlisle, P A 17013
Re: Dunlap v, Dunlap
No, 99-2092 Civil Term
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Dear Divorce Master Elicker:
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Enclosed please find Plaintiff's Pre-Trial St
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Enclosure
cc: Philip Spare, Esquire (w/enc.)
Kim E. Dunlap (w/enc,)
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t, I.
consideration, receipt of which is hereby acknowledged by each of the parties hereto,
HUSBAND and WIFE, each intending to be legally bound hereby, covenant and agree as
follows:
1. ADVICE OF COIJNSEL
HUSBAND and WIFE declare that they have each had a full and fair opportunity to
obtain independent legal advice of counsel of their selection. WIFE has been independently
represented by Barbara Sumple-Sullivan, Esquire.
HUSBAND is cognizant of his right to legal representation and declares that he has
chosen not to retain an attorney notwithstanding the fact that attorney for WIFE has told him that
he has an absolute right to be represented by an attorney. HUSBAND has chosen instead to
negotiate directly with counsel and/or with his WIFE. HUSBAND hereby acknowledges that he
has done so willingly and the he fully understands the facts and has been fully infonned and
understands that, had a Court decided this matter, he may have received more or less than is
provided for in this Agreement. HUSBAND knOwingly waives his rights, if any, to utilize the
lack of his legal representation as a basis to attack the validity of this Agreement.
Both parties further acknowledge and agree that each has fully disclosed their respective
financial situations to the other, including their assets, liabilities and income. Each of the parties
acknowledge and agree that, after having received such infonnation and with such knowledge,
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this Agreement is fair, reasonable and equitable and that it is being entered into freely,
voluntarily and in good faith and that the execution of this Agreement is not the result of any
duress, undue influence, coercion, collusion and/or improper or illegal Agreement.
2, PERSONAL RIGHTS
HUSBAND and WIFE may and shall, at nil times hereaf!er,live separate and apart. Each
shall be free from all control, restraint, interference or authority, direct or indirect, by the other in
all respects as if she or he were unmarried, except as may be necessary to carry out the provisions
of this Agreement. Each may reside at such place or places as she or he may select. Each rnay,
for his or her separate use or benefit, conduct, carry on and engage in any business, occupation,
profession or employment which to him or her may seem advisable. This provision shall not be
taken, however, to be an admission on the part of either HUSBAND or WIFE of the lawfulness
of the causes which led to, or resulted in, the continuation of their living apart. HUSBAND and
WIFE shall not molest, harass, or malign the other or the respective families of each other, nor
compel the other to cohabit or dwell in any rnanncr ....ith him or her, nor in any way interfere with
the peaceful existence, separate from each other.
3. DEBTS
Each party represents that they'have not contracted any debt or liability for the other for
which the estate of the other party may be responsible or liable except as otherwise provided
herein, and that except only for the rights arising out of this Agreement, neither party ....ill
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hereafter incur any liability whatsoever for which the other party or the estate of the other party
will be liable. Each party agrees to indemnifY and hold harmless from and against all future
obligations of every kind incurred by thcm, including thosc for necessities,
Additionally, HUSBAND shall be solely liable and responsible for the Sears credit card
and PP&L liabilities which are in his name alone, HUSBAND agrees to indemnitY and hold
WIFE harmless from each of the aforementioned debts. HUSBAND further agrees to,be
responsible for all attorneys' fees incurred by WIFE in defcnse of any claim or suit brought
against hcr arising from any debt incurred during the marriage.
HUSBAND further agrees to pay one-half (1/2) of WIFE's attorney fees, costs and
expenses associated with this divorce action, HUSBAND shall pay said fees within sixty (60)
days of presentation of demand by WIFE,
The parties acknowledge that since separation WIFE has paid all debts associated with
the marital residence. This includes but is not limited to all utilities, improvements, all taxes
(including the taxes that were delinquent as of the parties' separation for the years 1997, 1998,
and 1999 and the current taxes) and any other expenses associated with the marital residence,
Said payments made by WIFE on the delinquent taxes were in excess of $3,500,00. Presently, all
taxes associated with the martial residence are current.
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To the best of the parties' knowledge, the parties affirm no joint debts exist except the for
the first mongage associated with the marital residence which are addressed in Paragraph 6 of
this Agreement.
4, WAIVER OF APPRAISAL AND INVENTORY
The parties acknowledge and agree that they have each had an opportunity to value or
have appraised any and all marital property, and they do hereby waive a formal appraisal and
inventory of same, and no statement or representation by either party as to value shall be deemed
a misstatement or misrepresentation to the other or be deemed fraudulent,
5. MARITAL AND NON.MARITAL ASSETS
HUSBAND and WIFE do hereby acknowledge that they have heretofore divided the non-
marital assets and marital assets including but without limitation, jewelry, clothes, furniture, and
other assets wherever situated whether real, personal or mixed, tangible or intangible.
HUSBAND agrees that with the exception of a stereo, a grandfather's clock, dishes, and certain
pieces offumiture that his family gave to him, all assets in the possession of WIFE shall be the
sole and separate property of WIFE. HUSBAND agrees that he shall remove from the marital
residence the stereo, grandfather's clock, dishes and furniture given to him by his family within
sixty (60) days of the execution of this Agreement. If HUSBAND does not remove these items
within this specified time, it is agreed that he shall relinquish any interest, right or entitlement he
may have in same and WIFE shall be free to dispose of these items as she sees fit.
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WIFE agrees that all assets in the possession of HUSBAND shall be the sole arid separate
property of HUSBAND, Each orthe ponies do hereby specifically waive, release, renounce and
forever abandon whatever claims, if any, he or she may have with respect to any of the above
said items which are the sole and separate propeny of the other,
This document shall constitute 3 bill of sale for said sole property.
6, REAL ESTATE
The parties built a home on a tract ofland that WIFE had received as a gift from her
parents, Richard and Barbara Banks, Said property is held jointly by WIFE and her parents. This
property is subject to a mongage with Harris Savings with an approximate balance of FIFTY-
THREE THOUSAND FIVE HUNDRED DOLLARS ($53,500,00), HUSBAND is jointly
obligated on this debts with WIFE and her parents, It is acknowledged that WIFE has been
paying these obligations since the parties' separation as well as all taxes associated with this
property,
HUSBAND agrees to convey any interest, right or title he may have in this real estate to
WIFE. HUSBAND agrees to execute a deed simultaneously with the execution of this
Agreement wherein he quitclaims, assigns, conveys and transfers to WIFE all of his interest, right
and title in the marital residence. WIFE agrees to assume responsibility for the payment of the
unpaid balance of the rnongage, together with any interest, penalties and costs as well as any
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other taxes and insurance and associated with the real estate. WIFE hereby agrees to indemnify
and hold HUSBAND harmless from any and all liability as a result ofnon-pnyment of the
mongnge or any other debts associated with the real estate, All rights, title and interest of
HUSBAND, or any payments made by him shall be credited to WIFE in the event WIFE must
file litigation to clear Richard and Barbara Banks' ownership interest from the propeny,
7, MOTOR VEHICLES
WIFE shall have sole title and ownership of her 1986 Toyota 4x4 Truck which was sold
for $1,00 as scrap after separation as inoperable. WIFE shall also have sole title and ownership
of the parties 1982 Ford Econoline Van. The title for this vehicle is lost. HUSBAND agrees to
sign any and all documents necessary to obtain a new title and to transfer his interest in this
vehicle to WIFE. Neither of these vehicles are encumbered.
HUSBAND shall have sole title and ownership of the parties' Lincoln Town Car which is
presently at Shover's salvage due to an accident HUSBAND had shonly before his relocation.
This vehicle is not encumbered. WIFE agrees to sign any and all documents necessary to transfer
her interest in this vehicle to HUSBAND, HUSBAND shall be solely responsible for any and all
costs, including storage and towing, etc. associated with this vehicle as well as indemnify and
hold WIFE harmless from any and all costs arising out of the accident, towing, or storage of the
vehicle.
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II. AFTER ACOIlIREO PERSONAl. PROPERTYIFIJTURE EARNINGS
Each of the parties shall hereafter o\\n and enjoy independently of any claim or right of
the other, 1111 items of personal propeny, tangible or intangible, hereafter acquired by HUSBAND
or WIFE, with full power in him or her to dispose of the same as fully and effectively, in all
respects and for all purposes, as though he or she were unmarried,
12. ALIMONY. SUPPORT AND MAINTENANCE
Both parties acknowledge and agree that the provisions of this Agreement providing for
equitable distribution of marital property are fair, adequate and satisfactory to them and are
accepted by them in lieu of and in full and final satisfaction of any claims or demands that either
may now or hereafter have against the other for suppon, maintenance or alimony. HUSBAND
and WIFE funher, voluntarily and intelligently, waive and relinquish any right to seek from the
other any payment for spousal suppon, alimony and maintenance,
13. CUSTODY AND VISITATION
Legal and primary custody of the children shall be in WIFE. HUSBAND shall have
flexible rights of visitation, as the parties can agree,
14. SUBSEOUENT DIVORCE
A decree in divorce, entered by a court of competent jurisdiction to either party, shall not
suspend, supersede or affect the terms of this Agreement. Both parties agree to enter a Consent
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Decree concerning the provisions or this Agreement in the Court of Common Pleas of
Cumberland County, PeMsylvnnia, or any other Coun of competent jurisdiction, as a part ora
resolution of any divorce action filed, This Agreement, and the terms and conditions contained
herein, as well as the enforcement of said terms and conditions, shall not be contingent upon the
granting of a Divorce Decree to either party by the Court of Common Pleas of Cumberland
County, Pennsylvania, or any other Court of competent jurisdiction, Furthermore,
simultaneously with this agreement, both parties hereto agree to execute the appropria1e
affidavits and consents to secure a No-Fault Divorce as may be required by the Divorce Code of
1980, as amended. Both parties hereto agree that this Agreement may be incorporated for
purposes of enforcement into a separate Court Order but shall not merge in such order in the
Court of Common Pleas of Cumberland County, PeMsylvania,
15, OTHER DOCUMF.NT A nON
HUSBAND and WIFE covenant and agree that upon request of the other party, they will
fonhwith execute and deliver to the other party, any and all written instruments, assignments,
releases, satisfactions, deeds, notes or such other writings as may be necessary or desirable for
the proper effectuation of this Agreement.
16. MUTUAL W AIVER AND RELEASE OF RIGHTS AND CLAIMS IN
ESTATE
Each party hereby releases, waives and relinquishes any and all rights which he or she
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may now have, or may hereafter have, against the other party under the present or future laws of
any jurisdiction (a) to share in the estate of the other party upon the other party's death and (b) to
act as executor/rix or administrDtor/rix of the other party's estate,
17. MUTUAL RELEASE
HUSBAND and WIFE each do hereby mutually remise, release, quitclaim and forever
discharge the other and the estate of such other, for all time to come, and for all purposes
whatsoever, of and from any and all rights, title and interests, or claims in or against the property
(including income and gain from property hereafter accruing) of the other or against the estate of
such other, of whatever nature and wheresoever situate, which she or he now has or at any time
hereafter may have against such other, the estate of such other or any part thereof, whether
arising out of any former acts, contracts, engagements or liabilities of such other or by way of
equitable distribution, dower or curtesy, or claims in the nature of dower or curtesy of widow's or
widower's rights, family exemption or similar allowance, or under the intestate laws, or the right
to take against the spouse's will, or the right to treat a lifetime conveyance by the other as
testamentary, or all other rights ofa surviving spouse to participate in a'deceased spouse's estate,
whether arising under the laws of (a) Pennsylvania, (b) any State, commonwealth or territory of
the United States, or (c) any other country, or and rights which HUSBAND or WIFE may have or
at any time hereafter have for the past,'present or future suppon or maintenance, alimony,
alimony pendente lite, counsel fees, costs or expenses, whether arising as a result of the marital
relation or otherwise, except, and only except, all rights and Agreements and obligations of
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whatsoever nature arising or which may arisc under this Agrcement or for the breach or any
thereof,
Each of the ponies hereto further covenants and agrees for himself and herself and his or
her heirs, executors, administrators and assigns, that he or she will never, at any time hereafter,
sue the other party or his or her heirs, executors, administmtors and assigns, for the purpose of
enforcing any of the rights relinquished under this paragmph, Each of the parties funher
covenants and agrees that he or she will permit any will of the other to be probated and allow
administration upon his or her personal, real or mixed estate and allow effects to be taken out by
the person or persons who would have been entitled to do so had HUSBAND or WIFE died
during the lifetime of the other. Each of the panies hereby releases, relinquishes and waives any
and all right to act as executor or executrix or administrator or administratrix of the other's estate,
It is the intention of HUSBAND and WIFE to give to each other by the execution of this
Marital Settlement Agreement a full, complete and general release with respect to any and all
property of any kind or nature, real, personal or mixed, which the other now owns or may
hereafter acquire, except and only except all rights and Agreements and obligations of
whatsoever nature arising or which may arise under this Agreement or for the breach of any
thereof.
18. SUCCESSOR'S RIGHTS AND LIABILITIES
This Agreement shall, except as otherwise provided herein, be binding upon and inure to
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the benefit of the parties hereto, their respective heirs, executors, administrators, successors or
assigns.
19. SEVERABIUTY
If any provision in this Agreement is held by a coun of competent jurisdiction to be
invalid, void, or unenforceable, the remaining provisions shall nevertheless continue in full force
and effect without being impaired or invalidated in any way.
20. ENTIRE AGREEMENT
HUSBAND and WIFE do hereby covenant and warrant that this Agreement contains all
of the representations, promises and Agreements made by either of them to the other for the
purposes set forth in the preamble hereinabove; that there are no claims, promises or
representations not herein contained, either oral or written, which shall or may be charged or
enforced or enforceable unless reduced to writing and signed by both of the parties hereto,
21. BINDING EFFECT OF AGREEMENTIW AIVER
This Agreement shall remain in full force and effect unless and until terminated under
and pursuant to the terms of this Agreement. The failure of either party to insist upon strict
performance of the provisions of this Agreement shall not be construed as a waiver of any
subsequent default of the same or similar nature, nor shall such failure be construed as a waiver
of any other tenn, condition, clause or provision of this Agreement.
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I. .,
22, BREACH
If either party breaches any provision of this Agreement, the other party shall have the
right, at his or her election, to suc ror damages for such breach or seek such other remedies or
relief as may be available to him or her, and the party breaching this contract shall be responsible
for payment of reasonable legal fees and costs incurred by the other in enforcing their rights
under this Agreement.
23. CONTROLLING LAW
This Agreement shall be construed and govemed in accordance with the laws of the
Commonwealth of Pennsylvania.
24. CONDITION PRECEDENT TO THE AGREEMENT'S EFFECTIVENESS
The parties acknowledge that this Agreement shall become effective ....hen actually signed
by both partics,
WITNESS
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RICHARD S. DUNLAP
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KlM E, DUNLAP
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