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HomeMy WebLinkAbout01-14-08 In Re: : IN THE COURT OF COMMON PLEAS OF :CUMBERLAND COUNTY, PENNSYLVANIA JOSEPH MEYERHOFER, :ORPHANS COURT DIVISION an Incapacitated Person : NO. 21-06- 0624 '~ ~_ <~ o c~ : ~ ;' PETITION TO AUTHORIZE THE SALE OF REAL ESTAT~;-~, ~ .- ~~-~ AND NOW, comes Kathy Anthony-Gulden, Petitioner, by and through her attoz~~s, F ~ _ l _'_ and Tiley, and makes the following statement in support of her Petition: } ~ F`•" ~ -^ O b 1. Petitioner is Kathy Anthony-Gulden, an adult individual, residing at 161 Liberty Lane, Bendersville, Pennsylvania, a niece of the Joseph Meyerhofer. 2. Joseph Meyerhofer was born on August 7, 1926, and is 81 years of age. He currently resides at Claremont Nursing and Rehabilitation Center, 1000 Claremont Road, Carlisle, Pennsylvania, which is also his mailing address. He has resided at that facility since May 12, 2006. Prior to that date he resided at his home at 54 Greenfield Drive, Carlisle, Pennsylvania. 3. Joseph Meyerhofer is an unremarried widower and has no issue or living siblings. By his will executed most recently in time prior to the adjudication of incapacity, he left several bequests to churches and the remainder of his estate to be divided evenly between his brother-in- law, Paul Bailley, and his sister-in-law, Josephine Meyerhofer. 4. By Decree of Court in the above-captioned matter on August 26, 2006, Joseph Meyerhofer was found to be totally incapacitated due to dementia and Petitioner was appointed plenary guardian of his person and estate. 5. Since the entry of the decree the condition of Joseph Meyerhofer has not improved and has, in fact, deteriorated in a manner consistent with his diagnosis of dementia. 6. Petitioner does not believe that Joseph Meyerhofer's condition will ever improve to the state that he would be able to return to his home at 54 Greenfield Drive, Carlisle, Pennsylvania. 7. Petitioner has been making expenditures from Joseph Meyer's income and savings for his care at Claremont Nursing and Rehabilitation Center. 8. Petitioner believes that it is now necessary and appropriate to sell Joseph Meyerhofer's residence, being a lot and single-family townhouse in South Middleton Township Cumberland County, Pennsylvania, having a mailing address of 54 Greenfield Drive, Carlisle, Pennsylvania, so that additional funds would be available for his continuing care. 9. Petitioner has had the real estate listed for sale for several weeks with George L. Ebener and Associates for the sum of $175,000.00. 10. Petitioner has executed an agreement for the sale of the real estate for $170,000.00, without any contingencies. The agreement of sale is conditioned on Petitioner obtaining court approval for the sale, A true and correct copy of the Agreement of Sale is attached hereto and incorporated herein as Exhibit "A". 11. Petitioner had previously obtained an appraisal for the real estate. That appraisal, a true and correct copy of which is attached hereto as Exhibit "B," indicated that current properties in the neighborhood are offered for sale in a price range between $165,000.00 and $180,000.00 and concluded that the fair market value of the real estate was $175,000.00. 12. The proposed sale is advantageous because there are contingencies placed on the agreement by the purchaser.. The sale can be done without delay and Petitioner's real estate agent has recommended the sale. 13. The Probate, Estates, and Fiduciaries Code, 20 Pa.C.S.A. §5521, by reference to 20 Pa.C.S.A. §5155(1), permits a guardian of an incapacitated person to sell real property belonging to the estate of the incapacitated person at private sale on such terms as directed by the Court after notice as directed by the Court. 14. Those persons having an interest in the sale of the real estate are those persons who would be the heirs of Joseph Meyerhofer, who are being those named as the remainder legatees in the will executed most recent in time prior to Joseph Meyerhofer being adjudicated incapacitated: a brother-in-law, Paul Bailley, and asister-in-law, Josephine Meyerhofer. 15. One of the heirs, Paul Bailley, has indicated his agreement with the terms of sale and has indicated that he will file his written consent to the sale with the Court. 16. Petitioner desires that an order be entered authorizing the sale of the real estate at 54 Greenfield Drive for the sale price of $170,000.00 on the terms of the Agreement of Sale attached hereto as Exhibit "A" upon notice being given to the persons who would be considered the heirs of Joseph Meyerhofer, they being his sister-in-law, Josephine Meyerhofer, and his brother-in-law, Paul Bailley. WHEREFORE, Petitioner requests Your Honorable Court to enter an Order authorizing Petitioner, as guardian of the estate of Joseph Meyerhofer, to sell the real estate hereinbefore Fr®ro:t:tlpy 717 245 Q889 ~ 01/11!2008 14:10 `782 P: 002/.011 S~AN~~Yt~9 AG~+ ~~+ Nd' ~~R 1'~E SAi,E 01r 13~AI, E SaA~ A/S-l~ This faint mcommeaded and approved for, bat not n'atricted m oce by, ate members of the t'mnsylvaeia Assocatioa of REAGTORS~ (PAit). ___ ___ SELLER S BU SS RELATI®NSI3~ ~~3 PA LICEIYS~D BROKER SItOKER(Co®paary) IIONE ~~~~/qs ADDRESS FAX c,L . LICENSEE(S) esigmated gent? ^ Yes a BROKER IS THE AGENT FO SELLER. OR (if checked below): Broker i9 NOT tLe Agent for Seller and is a/sa: ^ AGENT FOR BUYER ^ TRANSACTION LIl~NS6E BUYER S BUSS S RELATIONSHIP WITH PA LICENSED BRUKFR BROKER (Company a~- PHONE ~~~~/9'c` ADDRESS FAX ~ [1 t-r.f~,~94 LICENSEE(S) ~ esignated Agent? ^ Yes D P1o BROKER IS THE AGENT FOR T7YER.. OR Ci edted below): -~' Brutal' is lYOT tt~ Agent for Buyer and is s/an: ~ FOR SELLER ^ SDBAGENT FOR SELLER ^ TRANSACTION LICENSEE TVhm the sagas Broker is Agent for Seller and Agent for Buyer, Broker is a Dosl Agent. All of Broker s licensees are also Deal Agents UNLESS there are sepsu ate Designated Agents for Buyer and Beier. If the same Licensee is designated for Seller sad Bayer, the Licensee is s Dml Agent. r'r' g 1 L ~i ~ ~~~P~, dated ~ ~ i"r~+ ~ ~C~ E7 ~ , is between 1 2 SELLER(S): ~ L=~P~ ~~~~ z a 4 s 6 7 B P 1a tt 12 19 14 15 16 17 to 1a 2D 21 22 zt 27 ZO za ao 31 32 9s 9Q 9r 3s 40 41 ,called Seller, and BoYERtsr 1,}C.7g c ~'t. ~ / ^.~4..1,.~~1~ ~ ~ ~~ ~~f ~~ ra- ~ ~~ .Called BayeL Z PROPERTY (9-05) Seller hereby agrees to sei and rnnvey to Buyer, wlao hereby agrees to pnrehase: ALL THA'~ CF~'AHN bt orp~ece of g+rQnnd with ~lding¢ and impro~rgneaata tlreraon erected, >f any, /mown sa: in the Coontq of ~ ~ Lot, $loclr Deed Book, Psge, Recording Date): _~ 3. TERMS (9-05) " , /tLr~T-~'~ (A) Purchase Price 6.Ln+= of of (eg., Tea ID #; Parcel #; Dollars, 3 4 s s T 8 9 to tt S'd iv 14 15 16 17 1a f9 2t 22 z1 26 2s z7 2tl 29 90 9t 3;t 94 9s 9e 3t 99 99 40 41 wlLCh wit[ be paid to Seller by Brryer as follows: 1. Cash or check at.sigaing this Agreemzttt: S 2 Cash or duck within _~ days of the execation of this Agreeanent: J S ~ ~ ~ 3 S 4. Cash or cashier s cherlr at tune of settlemenir S 6 TOTAL S ($) Deposilr Paid by Buyez within ~Q_ DAYS of settlement will be by cash er cashier s check. Deposits, regaallcss of the Scam of payanent • and the person designated as payee, wr7i be paid in U.S. Dollars to Broker for Seller (unless otherwise stated here). ~„_ who wall retain deposits is as escmw accotu>t umd consumroation or tepninaeion of this Agtsemzat in confomtiiy with all applicable laws acid regulations. Arty check tendered as deposit monies may be held ~d~~~~mg the accepts~jof this Agreement (C) Seller s written approval to be o ore: '" ~1~'~ ~ ~rJ (D) Settlement to be on or before if Bayer and Seller agree. (~ Settlement wt7l ocavr in the cotmty where thz Prtrperty is located or in an adjacent county, dieing normal bueineas hours, unless Buyer and Seller agree otherwise. (F) Conveyance tirom Seller eti71 be by fez simple deed of special waraanty unless otherwise stated here: (G) Payment of transfer t~ces wa71 be divided equally between Euyer and Seller unless othcrwisz stated here: (li) At time of settlement, the foIlowing wilt be adjustzd pro-rata tin a daily basis between Buyc; sad Seller; reimbursing where applicable: cur- rent taxes (see Information ding Real Fstabe Taxes); rents; interest ors ptoRgage assutnptioas; coadomiaium ft'es and homeowner asso- ciation fees; waterand/or er fees, together with any orbs lieaablo municipal service. AII chazges will be pro-za~d tot pmiod(s) cov- eted. Seller will pay up and including the date of settlement and Bayer will pay for aIl days following settlcmt:nt, unless stated hers: Bier initials: ~/ I Perlrts}lEvactia k~sot:4at9®~ o$ REALT®R5' A!S-R Page 1 of 10 Seller Initials:- Yievised 9105 c®t~~1'rtlona~[.'vAUTAASetx~.s~,Tttmr sa~::~ 2005 9ros . From:cony ~ 717 E45 0ls3g ~ ~ 01!1112008 14:11 ~~7~2 P: 003/011 42 4. FIXT'EJRE'~ & P)tltSbi~'AL PRE~PERTSf (S~5) a, 43 (A):1t3GL,UI2EB ~ this sale are zll'existing items'perinattently instal3ed in ttie F.ropect}> free of liens, _iacludeag plumbing; heating; lighting frx- 43 aE tares (including chandeliers and ceeIiag fans); water treatment systems; pool and. spa equigment; garage.doar openers and transmitters; tale- 4a as vision antennas; unpottad shrubbery, plantings an3 trees; any remaining heating sad coolsag fuels stored on the 1roperty at the time of. set- 45 as Bement; sump pumps; storage sheds; mailboxes; ti+all lo'wall carpeting; existing wiadav scaeens;•storm windows and s:seen/sto!m doors; ds 47 - a+indow wvering hardware, shades and blinds; awnings- rlt-iii air conditioners; tuilt-in •apprGances; and the rangelovea unless otherwise ~'l 48 stated. Also inchrded• ~~6' E~t7_/e~:i ~BSe ~.1 / .. qg 4s 4s 5o CB). LEASED items (not owned by Seller): 50 _ aY 5t st (t~ EXCLUDED fvctirres and items: 52 fi3 50 5. DATF~J'I'~ IS EDF'I'DE ESSENCE (4-05) - 54 55 : < . (A) • The ~aettlement date end all otherdetes and times referred fD for the performance of arty ofdte obligations of this Agreement arc of the essenex 5fi Ss and are binding. ~ 57- - CB) For purposes of this Agreement. the number of days will be counted from the date of execution, excluding tlee.day this Agreement was axe- fi7 5a toted and ircluding the last day of the dme period The Execution Date of this Agreement is the date when Buyer and Seller have indicated 5a 5s • . _ ..full atxxptanee of this Agreement by signing and/or irtitiaiireg it. All changes to dais Agrsetneat should be imtrakd and dated. ~ 60 ~ -. C~ The seltkmrtlt date is not extended by any outer provision of Ibis Agnxareat and may only. be extar-dai by mows! written agreement of the parties. 6t1 st (D) Certain time periods are pre-printed ia-this Agaeement as a com+enieace to.the Buyer and 3elles'AR pre-printed time periods arc negotiable st fit - ~ and be changed by stnl.~ag out the preprinted text and inserting a di$ereot time-prriod acceptable to all parties. a2 53 6. G~~~I; C©NTYN~ICY (4-OS) •. :, fi3 e4 WAIVED. This sale is NOT contingent on mortgage financing, although Buyer may sttT obtain mortgage 5nanciag. sa .68 (] ELECTED. ~ • ... ~ 65 t+6 (A) ~ This sale is contingent upon Buyer obtaining mortgage financing as follows:. --. - ... - by fi7 Prat Mortgage'on the Property Secirod Mortgage on the Property ~ ~ - ~ fi7 m ... Loan Anmetnt S LoanAmounb$ - fib s9 Minimum Term ~ years - - Minimum Tcrm years 8a 7a Type of mortgage Typ: of mortgage ~ 10 Tt ~ 12 Mortgage lender Mortgage leader - ~ 73 - .. .. • 79 74 Interest rate ~%; however, Sayer agrees to aaxept the Interest rate %; however, Buyer agrees to accept the 7a - 75 ~ ~ interest rate ter may be cotmmitted by the mortgage !cedes, not to ~ interest rate as map bc•oommidded by floe mortgage lendeg not to 75 7s «rxed-a maximum interest rate of °~. - ercceed a maximum intertirst rate of %. 7s n - Discount points, loan origination, Joao placement and othei fees char•~ Discount points, loan origination, loan placement and other fees charged 7T 7a by the lender as a pereeatage of the mortgage loan (excluding any mort- by the ]ender as a perc."rttage of ibdmortgagc loan (excluding an)r wort 78 rs gage ios7aance premiums or VA funding fee) eat to exceed gage insuraoce premiums or VA funding fee) not to exceed 7s as ~ ' - % (0'/° if not spx;ified) of the mortgage loan: - % {tN/° if not specified)'of the mortgage ban. ao et The intatst rate(s) and fee(s) provisions in paragraph 6 (A) arc satisfied if the arortgago lender(s) gives Buyer the right tD guarantee the interest rate(s) 81 8.2 and fee(s) at ar below the maximum levels stated. Buyer gives Sadler the right, at Seller's sole option and as permitter by law and the mortgage 82 83 leoder(s), to cxntribute Enaaoially, without promise of reimhrtrscroment, to the Bayer andlor the mortgage lenders} to make the abavc mortgage terms 83 8a available to Buyer .. &4 a5 ~ (B) Within - days (10 if not specified) fi:om the Execution Date of this Agreement, Buyer will maPm. a completed, written mortgage apple 85 E6 cation for the mortgage terms stated above to the mortgage lettdcr(s) identified is .Paragraph fi (A), if nay. otherwise w a responsible mortgage as 87 lender(s) of Buyer's choice. Broker for Buyer, if any, otherwise-Broker for Seller, is aadhorized w communicate with the mortgage 97 as leader(s) to a9sdst in the mortgage Iosn pr+ocesa. ~ - ae as (~ Shoald Buyer famish false or incomplete information ~ Seller, Broker(s), or the mortgage lender(s) eonc>rcning Buyer's legal or as ~ - -sa -.-. -lluaneial atafas, nr fat! to cooperate in goad fiaith in processdag the mortgage lwgappiiattioa, wleieh results do the mortgage lender(s) . 90 set ~ refacing to approve a mortgage lone eotnaaitmea~, !greyer will 6e is •defaalt of this Agreement, . - - . @i 92 (D) i. Mortgage eommiieaent date: . , .. . If Seller des not r®ceive a copy of Buyer's mor~tgabb camaoitmer>t(s) by this ~ s3 date, Buyer sod Seller agree to extend the mortgage commitmentdate tmtld Seger terminates thisAgreeme~ Iry wrdtten notice to Bnyee a:t 94 2. Upon recciviag a mortgage commitmmt; Buyer wr7l promptly deliver a copy of the commitment to Seller, g4 e5 3. Seller may temtinate this Agreement in writing after the mortgage conunitm.-nt date, if the mortgage commitme~rt(s): r~ ae a_ Is not valid unn7 flu date of settlement, OR afi 87 b. IS conditioned upon the sale and settlement Af stay other property, OR 97 ~ c. Does not satisfy all the mortgage terms as stated in P~t;mPh ~ Cam. OR ss 99 _ d. Contains a~ other condition not specified in this Agrxn~-at that is not satisfied) and/or removed in wrrong by the mortgage lender(s) 99 too within ~_ DAYS after the mortgage eommihaertt date in paragraph 6 (D) (1), other than those condidions that are cusfommi- toD tot lY sa6sfied at of near settlement, such as obtaining Insunmce and confirming employment slams. - tot ttn - 4. If this Agieema,t is terminated pursuant in parsgrspirs 6 (D) (d) or C;), or the mortgage (Den(s) is not obtained for settlematt, all deposit monies . toz tea wr7tbereluraed Buyeraccordingwthetermaofparagraph30rutdtltisAgermeatwi11~V0~.Buyerwillberesponsibleforaaycostsincurred 1c3 t W by Buyer for y leap:,--lions ar oatifiatiDns obtainer a,.rordiag tD tree tents of dbis Agmemerit, and say costs iarumd by Buyer far: Title fD4 toy scarab; title " and/or mxltanics' liar iecmr~...,., or any fee forcanxllatioq (2) Flood ieonae~ audlor firs insurance vvi ext cDV- tar t 06 era 'derrcc ~~~~-e, oc ary fee forcancellation; - (3) Appraisal few and charges paid ~ advaox to mortgage leader(. 18a . ttn Buyer initisle: ~tJS-lt Page 2 of 10 Seller Initials• 107 . Revised 9/RS . . ahA~' . From:copy tin 169 tto 111 ttz tts tt4 115 h6 rn ns 119 t2o 121 t2z t2.7 124 725 tze 1x7 1?JI 129 1ao t31 132 t3s t34 t35 t36 137 tea tar 14D 141 142 717 X45 0688 ~ ~ 0111112©08 14:1P #~82 P. 0041011 (E) If the mortgage lender(s), or an insurer pro~Rdiag property and casualty insurarrx as required by the mortgage Iender(s), requires repairs to the Propety, Buyer will, neon receiving the ro~uuements, deliver a copy of the iecluirernents to Seller. E~rithin _~ DAPS of rexiving the copy of the rents, Seller will notify Buyer.whetfter Seller rvitl mate the require3 repairs at Sriler's expense, !. If Seller makes d1a required repairs to the satisfaction of the mortgage leader(s) or insurer, Buyer accepts the Property snd agrees to the P.ELEASE in paragraph Z7 of this Agrertnent 2 fF Seller Wn7! net molar the required repass, or if Seller I`ails to respond within the time gives, Braryer will, within .~_ DAYS, notify SeDer ofBuyer's choice to: a. h3ale the required repairs, at Bttye~s expense, with p,.-~tnission amt access ro the Property given)iy Seller; permission and access may not tz unrcasanably withheld by Seller, OR h Terminate this Agreement by written notice ro Seller, tpith all deposit monies retained to Buyer according to the teens of paragraph ~~~~~_~/~~ of this Agreement . (~ $e11p!' As96t .. (~~wJf~ NO'C APPLICABLE . ^ APPLICABLE. SeIIei will pay: ^ $ or % of Phase Price, maximum, toward Buyer's costs es acceptable to the mortgage lender(s). .^ FSA/VA,IFAPPLICASLE ((7, It is expresiy agrced ohvithstartdingany odterprovisions of this wao:act; Buyer uvill•tart be obligated to complete the purchase of the Property deacnZted hessr to incur any penalty by forfeiltue of eanrest money deposits or otherwise mess Buyer has been given, in accgnhmce with HUD/FfiA or rxloitomcnts, a written sfataaertt by ate Federal Housing sroney Veterans Adminishation, er a Direct Endeascrnerrt Leader setting the appraised value of the Property ofnot less (the dollar amoum m be inserted is the sales price as stated Agte„mertt~ Buyer wHl have t " age and option of proceeding with consummation of the c~tractwithout regard to the amount of iced valuation. Th raised valuation is arrived at to determine the maximum mort- gage the Department of Flouring aad Urban Develop will ~i .HUD does not warrant the value nor the condition of the Property. Buyer should satisfy himselflherself that the price and the Property ale acceptable. Watuing: Seetion.l0I0 of Tole l8, U.S.C., of Icons d Urban Development and Federal Housing Administration T:artsactions, provides, "Whoever for the a of ... itctluencing in any w e action of such Dcpartrnmt, mains, passes, utters or ~~publishes any statement, tnowmg the to be false... shall ix fared under this tic e ' noel not more than tvro years, ar both.° (FI) U.3. Department of Housing an as Development (BF]D} PTOTitZC `1'O PURCBAS • Bayer's Aclznowiedgement ^ Beyer has received Notice "ForYolrr Protection: Get a Home Inspeedoa° Braryer ds the importance of getting an indepa a iospeclioa and bas thought about this beforrr signing this Agreement Buyer erstands that FHA will.~t perform inspection nor guarantee the price ar condition of the Property. (I} Cerfificatiaa We the undersigned, Seller(s) and Buyer(s) party to this transaction each certify that the terms of this contact for purchase arc tree to the bas[ of nor Imawledge and belies and that ate. other agreement catered inW by an)r of these parties in connection with this transaction is attached ro this Agreeme:rtt. 106 1a9 tta t11 rz 1t3 11i Its 1t6 ti7 1t8 tt9 tzo 121 tza 123 iTA iZs t26 t27 12a 129 tan S31 t32 t33 t3a 1a5 136 137 136 136 140 741 t4Z t49 7. WAIVER ®F COl~'11'IIVGEIVCI4~ (4-Q'S} ~ t43 144 ~ 1CthB Agr,:emdtt is contingent on Buyer's right to inspect aad/or repair the Properly, or to verify insarabiLty, emtrooraentat conditions, ia4 t~ boaodstriea, eerti5eationy zoning classlHeatlon or use, ~ any other iofosmation regarding the Pmperiy, Buyer's faIlime to exercise any of t45 t4ti Bayer's options within the times set forth ~in 19rie Agreement is a WAIVER of that eanbngeney and Beyer accepts 4he Property and agrees to 746 147 the F~ Fitt'I~'. is paragraph 27 of this Agtt:emeat. ~ ~ t47 14a ti PR ~ RTY llrl$ORANt3L AYAH.ASIE.11T2' (9-QJ7 • . ' 148 749 WAIVPD. This Agreement is NOT~contingeni upon Buyer obtaining property and casualty insurance for the Property, although Buyer may tar tsa soil ob4ain propsrty and carnally insurance. ~ 160 t57 ^ ELECTED. Contingeaey Period: _ DAYS (15 if not speci5ed) from the Execution Date of this Agreement 767 t52 ~ Within theConl3ngericy Period, Buyerwill maloe application far property and casualty insrarmce fiatbe Property W e responsibly insure Sraker 162 t63 for Brayer, ff any, oWertivise Broker for Salley may commanieate with the iastser to assist in the insnrantx pro.^ess. IfBuyer cannot obtaiu 153 ts4 property end casualty incruanee for the Property on terms and condiflons reasonably acceptable to Bttyer, Buys wi0, veitbim the Contingency tse t55 Period~ ~ 156 t56 (A) Accept the Pnlperty and agree to the RELEP,SE in pa~aph 27 of this Agreement, OR .. µ . 156 1ti1 (B) Terminate Qtb Agreement by written notice tD Seller, with s1D deposit monies rearmed to Bnyet according to the terms of paragraph 30 of this t57 tse Ageemen4 OR • . 15B tti9 (G7 Enter inro a rontually acceptable written egreem~t with Seller. . ' ~ traq 160 1FBuyer and Settee do not reach a tvrllten agreement during the C.sntiagerrcy Period, rand Buyer does ~t terminate this Ageetmreat by 760 767 w~ritden notice to Seller lvltlrln that time, Buyer.vn7l accept the Property and agree to the R>gd.EA s)1 in paragraph 27 of tLis Agreement, t61 762 .9 la1TSPEf'dImNS {4-Q~ 182 768 (A) Seller well provide access m itrsurers'representatives and; as Wray be nequirrd by this Agreement, ro sttaveyors, mlmicipal off cials, and inspeo- t6a 764 tors. If Buyer is obtaining mortgage fieanciag; Seller will provide access to the Property to appraisers and. others tt~sonably required by mort- ts4 t65 gnge lender(s~ Buyer may uttered any inspections. ~ t65 t6a (B} Buyer may make a pre-settlement welic through inspection of the Property. Buyer's right to this inspection is not waived by any other provision the 167 of this Agte,~neat 167 tsaa (C) Seller will have heating end alt uttlih'es (includarg fuel{s)) on for allu-spxtions. ~ 16s 169 (D) Ail irrspeetors, ieclnding borne inspectors, are aathorizod by Buyer to ptovid: a copy of any inspection rrp,•nt to Hroter~for Brayer, 169 tTO (E) Seller has the right, upon request, to receive without charge a Dopy of any inspe.ton report from the party for whom it was prepared 17s ~t Bnye' Iniffisl~ ~ ~ "/ ` ~"~ AI^rR Pam 3 of 10 6erler tidtiais• t71 Revised 9'/QS °~' as ..: From copy ~ 717 245 a6g9 ~ ~ ~1111l20Q8 i4: 13 X752 P.0©5/Q1i 17z 10. I1'gSP);CTION C(}1VTIR'GE14'CY fbPT1EDIS (4-OS) ~ - i72 t73 'Fhe iuspe_tlon contfngeneles elected by Buyer inr pargg: ephs f 1-Is are coaG~zllea by she OptlOns set fortf€ belon: The tune periods stated is t73 t7a these.Optians will apply to all inspection onrrtingce;,ies in paragraphs l 1-15 unless otherwise slated i¢ this Agrr~ment t74 175 ETptlon !. ~rJtthia the Contingency Period, as stated is paragraphs F 1-L5, Buyer t[~lll• ilb t7s I.' Accept the Property with the information stated in the report(s) and €gtce to the RELEASE is garagaph 27 of this Agreement, OP. t7s 177 2. If Buyer is not satisfied with the infarnration stated is the report(s), terminate this R.greement by written notice to Salley with all deposit 771 17e monies returned to Buyer arxording to the uerms.of paragraph 30 of this Agreement, OR 17a t79 ~ 3. Enter into a mutually acceptable written agreement with Seller providing for any repairs or improvements to'the: Property and/or nay 179 teo~ credit to Boyer at settlement,. as acceptable to the mortgage lender(s), if any. ~ t8t If Bayer sad Se]!er da not reach a written agreement durdng the specified Contingency Period, and Buyer does not terminate this fe1 te2 Ageement by written notice to Seller within that dine, Bayer w1iI atxept the Properly and agree to the REUSE in paragraph ts2 tea 27 of this Agt:+eetneat ~ . t~ tad E)q-tion 2. Within the Contingency Period, as stated 3n paragraphs 11-15, Suyer will: ~q tea 1. Accept the Properly with the information attired in the report(s) and agree to the ttFt.Fa~ in paragraph 17 of this Agreement, Olt, t8s te6 2 If Buyei is not satisfied with the i~'ortnatiaa stated is the report(s), present the report(s) to Seller with a Written Corrective Proposal is6 187 ~ ("F'ropoaal'~ listing corrections andlor credits desired by Buyer. The Proposal may, but is natrequired to, inchrde the rwme of a prop- ;s7 1aa erly licensed or qualified professional to perform the corssctians requested in the Proposal, provisions for p'aymem, including retests, and tae teQ a projected date for cmnpletioa of the corrections. Buyer agrees that Seller will oat be held liable for coaections that do not comply with 1e9 190 mortgage lender or govemareatal requiranems if performed in a wotlathaa]'ke manner according t0 the leans of Buyer's Proposal, or by t9a tai a contractor selected by Bnya: _ t9t taz a Within _ days (7 if not specified) of receiving Buyer's Proposal, Seller will inform Suyer in writing of Seller's choice to: tat tea (I) Satisfy the terms of Bayer's Prvpmsal, OR t9a t94 (2) Credit Buyer at settlement for the costs to satisfy.tbe terms of Buyer's Proposal, as acceptable to the mortgage lender(s), if nay, dR tea t"5 ~ (3) Not satisfy the terms of Buyer's Proposal and not credit Buyer at settlement for the costs to satisfy the terms of Buyer's Proposal ts5 196 ~ b. if Seller agrees tb satisfy the temrs ofBuyer's Proposal or to credit Buyer at settlement as specified above, Buyer accepts the Property 196 t91 ®d agrees to the R&i.Rd:St? is paragraph 27 of this Agreement . , 197 tas c. If Seller cboases not to satisfy the terms of Buyer's Proposal and not to ceedit Buyer at settlement as specified above, or if Seller 6sr7s t98 199 to choose aey option within tlax time Ewen, Buyer will, within _ days (5 if not spe:afiedj:.. _ t9a 200 ... ~ (t) .Accept the Property with the infonaation abated in the iepnrt(s) aniD agaer to the 12RT.FQ fiF in paragraph 27 ofibis Agreement, OR 260 201 • ~ ~ (2) Terminate this Agreement bywritten notice to Seller, with all deposit monies rt:turned~to Buyer according to the terms ofpaza-. zpt 202 graph 30 of this•Agnxrneat,.OR t!02 203 (3) Eater into a mnruaay acceptable written agreement with Sella providing.for any repairs or improvements to the Property and/or 2e3 20d~ any redit to Buyer at settlement, as acxeptable to the mortgage leader(s), if wry. ~t say - IfBoyer and Seller do not reach a written agreerne~ daring the time speeHled io ®ption 2, 2. c., and Breyer does not terms 2p; 206 ~ ~ ~ ~ miners this Agreement by~wrltten notice to Seller.vvithio that time, Beyer w,R serxpt the Property and agree to the 266 207 - = REiErtSE is paraEraph 27 of this Agreement ~ 2a9 lI. PIdOPEYi;TY INSPEC'470N CON'dZNGENCY (4-QS) (See Properly and.}:avironmental IaspcctionNotices) sae 2aa Buyer understands tbat~propcriy inspections; eertifica6ons and/or.investigations can be performed by professional contractors, borne inspectors, z69 z1a engineers, architects and other properly licensed or otherwise qualified professionals, and may include, bui are not 1Fn»ttd to: structural compo- 2te Zit Heats; rnol; exterior windows and exterior doors; exterior siding, fascia, gutters and downspouts; swirmming pools, hot tubs and spas; appIianees; 21t 212 electrical, plumbing, heating and cooling systems; water penetration; emrironmentai hazards (e.g., mold, fungi, moor air quality, asbestos, under- 212 2t3 ground storage tanL•s, etc.); electromagnetic fields; wetlands inspection; flood plain verification; property boundary/square footage verification; eta eta and nay other items Buyer may select Breyer is advised to iavestigafe easements, deed and use restrictions (including any historic preservation 2t4 zts resnictio or ordinances) that apply m the Properly and m review local zoning ordinances. Other provisions of this Agreement may provide for 2t5 2t§ in ons, cerliGca4ions and/or im~estigations that are not waived or altered by Buyer's election here. 2i6 2t7 WAIVED. Boyer Fens the option to conduct properly inspections, certifications and/or imestigations. Buyer WAIVES THIS OPTION and 2t7 218 agrees to the RIE.EASE in paragraph 27 of this Agreemea 218 27a ^ ELECTED. Contingency Period: _ days (15 ffnot specified) from the Execution Date of this Agreement. ~ 21s 32B (A) Within the Contingency Period, Buvet; at Bayer's expense, may have inspections, certifications and/or investigations completed by proper- sZ/ 22t Iy lensed or otherwise qualified professionals. Tf Buyer elects to have a home inspection of the Property, as de5ned m the Pennsylvania Hame 22t 222 Inspection Law (see hrfotmaton Regarding the Home Inspection Law), the home inspecdanmust beperformed by afull memlirrt ingoodstand- ?22 223 irtg of a national borne inspection association or a person supervised by a full member of a national home taspeclion•assoCiatlon, in atxrott~anee std with the ethical standards and code of conduct or practice of that association, or by a properly licensed or registered professional eogineey or a 224 225 Pr~riY licensed or registered architect This contingency dog not apply to the mellowing existing conditions ead/or items: ~ z2s 227 rLe 229 230 291 2:~ 239 23q z9s 226 227 (B) 2S6 Baryer If Buyer is not satisfied with the condifioa of the Property as stated in doe v~rittera inspxtion repari(s), Buyer will proceed under one ofthe fol- lowing Options as listed in paragaph 10 within the Contingency Period: ^ Option l Q Option Z For the purposes of Paragraph fl 1 only, Huyer agrus tD accept the Property with the results of arry~report(s) and agrees to the RELEASE in paragraph 27 of this Agreeaxnr if tFb. total seat to correct the conditions stated in the report(s) is less than S ($0 if not specified) (rho "Deductible Amount"). Otherwise, ell provisions of pamgaph 10, Option 2, shall ply, except that Seller will be deemed to have satdsfied the terms of Huyes's Proposal if Seller agrees to prrforrrh corrections r offer credits such that dte cumulative cost of any uncorrected or uneredited condition(s) is equal to the Ded tibl aunt ~jj'V ~' etJS-R. Page ~ of fl0 Seller Ynitlals• I2erised 9IQ5 zza 229 230 291 zsz 213 734 235 23e a~'°t From: copy 717 Z45 f15~9 ~i111/2aQE t~:14 X752 P.OE]6l011 237 12. VF'Ogf6 'IItFE:STA~TION II~3P1;C'f~ON f;ON'1'INCF.t~TCY (4-Qs~ 23e ~ ~rAIVED. Batyer has the option to have the Property insp~:ted for wood. infestation by an irrspcctor certified es a word-d.-stroyiag p.°sts pesti- 290 ride applicator BTJ1'QL WAIVES TT-lIS OPTION an3 agues to the RELEASE is paragraph 27 of this Agreement. 240 ^ ELECTED. Contingency Period: _ days (l 5 if not specified) from the Execution Date of this Agreement. 2a1 (A) R3thin the Contingency Period, l3uyer, at Buyer's exp`ase, may obtain a written "Wood-Destroying Inscd Infestation inspection F.eport" 24z from an inspector rectified as awood-destroying pests pesticide applicator and will deliver it and all sapporting documents and drawings pm- 243 video by the inspector to Seller. The report is to be made satisfactory to and incompliance with applicable.laws, mortgage ]ender regniremeats, 244 and/or Federal Insuring and Guaranteeing Agenty requirements, if any. The inspection is to be limited to all readily visible and accessible areas 245 of all structures oa the Property except fences and the following structuues, which will not be inspected: z4s 247 (B) If the inspection reveals active infestation(s), Buyer, at Buyer's expense, may witltln the Co~9ngeacy Period, obtain a Proposal from awood- 24a destroying pests pesticide applicator to treat tbe Property. 249 {C) If the inapccfion reveals damage from alive m previous infestation(s), Buyer, at Buyer's expense, may within the Confingency Period, obtain 258 a written report from a professional contractor; home inspector or struehrral engineer that is limited to structural damage to the Property caused 251 by woodilestroying organisms and a Proposal m repair and/or treat the Property. x52 (D) If Buyer is not satisfied with the condition of the Property as stated in the written inspection report{s), Buyer will proceed under one of the fol- 263 lowing Options as listed is paragraph 10 within the Conthrgency Period: 254 ^ Option 1 x55 ^ Option 2 ~ 13. STATUS OF 11:ADON (9-OSj (see information Regarding Radon) 257 (A) Seller has Ao knowledge concerning the preaenee or absence of radon unless checked below: 258 ^ 1. Seller bas knowledge that the Prolx.rty was tasted on the dates, by the methods (ag., charcoal canister; alpha tract;, etc.), and with the 254 results of all tests indicated below: 268 BATE TYPE OF TEST tLES[IT.TS (picoCuriesniter or worideg levels) 261 262 263 264 2b5 28a 751 288 269 278 ~t 272 273 27a 275 27a Z77 278 2?9 280 tat 262 zs3 7a4 296 per 296 299 x98 tgt 252 293 294 295 296 297 29s 299 roe 30t ^ 2. Seller has knowledge that the Property rmdenvent roman rtductioa nreastuas oo ibe date(s) and by the method(s) indicated below: DATE RADON RLDUtr i'ION ME'1TiOD COPIES OF ALLAVAII.ABLE TEST REPORTS will be delivered to Buyer with this Agreement. SELLER DOES NOT WARRANT EITIiER THE METHODS OR RESULTS OF THE TES'T'S. (B) F.Ai ' N IIV5PECTION CON'T'1NG~NCY Q' WAIVED. Buyer her doe option to have the Property inspected far radon by.a certified iaspet:tos BUYIIt WAIVES Tl~S OPTION and agrees to the RELEASE is paragraph 27 of this Agreement. ^ ELECTED. Contingency Period:.; days (l5 if not specified) from the Exectrtien Dete of this Agreement Within rim Contingency Period, Buyer, at Buyer's expense, may obtain a radon test of the Property from a certified inspector. If Seller performs any radon remediation, Seller will provide Buyer a certification that the remedistion was performed by a properly licensed and certified radon mitipatioa company. . i. If the wr3ttm test report reveals the presetrce of radon irtow 0.02 working levels or 4 picoCuries/liter (4 pCi/L), Huyer accepts the Property and agrEOS to the RELEASE in paragraph 27 of this Agecment 2 If the written test report reveals the presence of radon at or exceed'mg 0.02 wot~g h:vels or 4 picoCuries/liter (4 pCilL.), Buyer will proceed under one of the following Options as listed in paragraph 10 within rho Contingency Period: ^ Option 1 ^ Option L . 14. STATUS OF W EIi (905) (A) Se presents that the Property is served by: Public Water ^ on-site water ~ . ^ Community Water ^ None . (B) WA . SERVICE Il~i3PLrf::'ITON CONTIDP1t:.F1VCY . WANED. Bayer has the option to have an inspection of the quality and or gaantity of the water system fire the Property. BUYER WA1VF5 THIS OPTION and agrees to the iL.~.Fa~ in paral~aPh Z7 of this Agreement. .. . ^ Q.ECfED. Contingency Period: ,days (15 if not specified} from the Execution Date of this Agreement...:.. .. 1. Within the Contingency Period, Buyer, at Buyer's expense, may obtain as inspr~on of tiro quality and/or quantity of dre water sys- tem from a properly licensed or otherwise quelsfied waten'well testing compatry. 2. If required by the inspection company, Seller, at Seller's expense, will locate and provide access to the oa-site (or individual) water system. Seller also agrs~ to tes6ore the Property, at Seller's expense, prior to settlemenk = 3. If Buyer is not satisfied with the condition of the water system as stated in the-written inspection sCport(s), Buyer will proceed under - one of the following Options as listed in paragraph 10 wit5rm the Contingency Feriad: . ^ Option 1 ^ Optian~l Bayer initi r/' '`~ ~tJ3-Tt Pe ;e 5 of 10 ~Tfler Tnitielr. . Rev~J3/t25 2i7 23B 23A 240 241 242 249 244 245 x48 247 2ta 249 2~ 251 252 253 254 255 758 757 256 254 .~ 261 262 za 264 265 zss 288 289 270 27t 272 273 zra zrs 27a x77 218 279 280 28t 292 293 294 735 28fi 287 2B8 ze4 290 291 242 293 294 295 295 297 299 294 300 '+n1 ~..~~ Fr©m:coRY 717 245 0889 01/1112008 14:15 X782 P. 007/011 302 . 303 394 305 ' 306 307 308 sa3 3t0 31t 312 319 314 315 316 317 3i8 . 319 320 3zt 922 321 324 - 32J 32ti 927 sze 32s sa0 331 uk 319 334 335 336 - 337 938 L4. ST.4~TU5 OF & ~4'ER (4-Q5) ~ 3~, (A) Seller resents that the Property is served by: ~ • Isublic"Sewer ~ _ ^ ladn9dual On-1vt Sewage Disposal System (see Sewage Notice I) Spy ^ hrdi~ridua! Ore-tat Sewage Disposal System in Ptaumiry to We[1(see Sewage Notice 1; sec Sewage Notice 4, if applicable) 7aE O Communiry Sewage Disposal System - - - .307 ^ Ten-Acre Permit Execapfiaa (see Sewago Notice 2) 3pg ^ Holding Tank (sec Sewage Notice 3) dog ^ None (ue Sewage Notice 1) Sts ^ Nvne Avar7abielPermitLtmitations in Effect (see Sewage Notice 5) 311 ^ 312 (B) IND fJAL OI~LOT SEV1'AGE DISPOSAL INSPEC7i [ON CONTINGENCY 313 WANED. Buyer has the option to have an inspection of the individual on-lot sewage disposal system fvr the Property. BIIYER~ 3,4 WAIVES THIS OPTION and agrees to the RELEASE in paragraph 27 of this Agreement. 3,s ^ ELECTED. Contingency Period: !_ days (l5 if not specified) fmrri fhc Execution Date of this Agreement Sts . 1. Within the Conthtgency Period, Buyer, at Buyer's expense, may obtain an inspection of the individual on-lot sewage disposal sys- 77T . tan from a qualified, professional inspector. ~ - - 7tt+ 2. Lf and as inquired by the-inspection crnnpany, Salley at SeIIer's expense, wr71 locate; provide acrtss to and empty the individual oa- at3 lot sewage disposal system Seller will also restarc the Propertl;;tt Seller's expense, prior to •settlement 32D - 3. If the inspection report reveals defects that do net requite expaasias<.ar rephtcemcat of the existing individual on-lot sewage disposal a21 system; Buyer will proceed under o~ of the following.Options as listed hr paragraph 10 within the Contingency Perlod• 322 ^ Option 1 - - a2a ^ Option 2 sad 4. If the iffipe~iarr report reveals the need to e:~and or replace the existing individual on-lot, s.~wage disposal system, Seller may, a25 within 25 DAYS of receiving the inspectiaal report, submit a Written Coaective Proposal (` Proposal's Co Buyer The Proposal a2d will include, but not be limited to, the name of the company to perform the expansion or replacemear provisions for payment, includ- a27 _ .. ing retests; and a projected cotnpleti~ date for corective measures. Within _~ DAYS of receiving Seller's Proposal, or if no azs Proposal is provided within the time given, Buyer will notifySCIIer in writing of Btryer's.choice to: ~ 32lt a. Agri to the leans of the Proposal, if a>n; whereupon Bayer accepts the Property and agrees to the RELEASE in paragraph 27 of 330 this Agreement, OR _ Sat ' b. Terminate this Agreemenrt by written notice to Seller, with all deposit monies returned to Boyer. according to the terms of pare- 332 graph 30 of this Agreement. ~ c. Accept the Prop.,-rty and the existing system and agree to the RELEASE in patagiaPb 27 of this Agreement, and, if required by a3a any mortgage lender and/or any governmemal eartitority, correct the defects l>`fore settlement or within the time required by the 335 mortgage lemder.and/or governmental awhority, at Btryer's,sole eacgense, and with permission and access to the Property given by 336 Seller Permission cad acmes may ~t be unreasonably withhcM by SeIIez H'Seller denies Bnycr permission and/or access to cur- 337 rtct the d,.fects, Buyer.may, within ^~ DAYS of Seller's denial, temrumte.this Agreement by written notice tm Seller; with all 930 . deposit monies retuned to Bnyrer according w the terms ofparagraph.30 ofthis Agreement. - - 333 HOME WARRANS'IES (5-05) Sao At or before settlement, either party may have the opportunity to purchase a home warranty far the Prop-.,rty from athird-party vendor. Buyer and 34t Seller understand that a home waannty for the Property does not alter any diaclostue requirements of Seller, will not cover or warrant any pre- 742 edstimg defects of the Property, and will not alter, waive or extend arty provisions of this Agreement regarding inspections or certifications that 743 Huger has elected or waived as part of this Agtt^mrent Buyer sad Seller understand that the licenses, broker or mortgage lender who orders the a44 home warrrurty may possibly raxive a fee paid by the home waranty company. ~ -345 ZONING CLA55IFIC~'ION dL• VEItIF1CA't dON OF ilSE CONTdNGENCY ('9-Os7 a46 (A) Farlnre of this Ageemeot m contain the zoning classification (except in cases where the property {and each parcel thereof, if sabdividable) is oar zoned solely ~ primarily to permit single-family dwellings) will readerthis Agreemenrt voidableat Buyer's opticn; and, if voided, any deposits 74s tendered by dre Buyer well be re ed to the Buye>;without any requirement fur court action' ~ 343 Zoning Classifieation:~/~3 ~JY~l~-~ 950 (B) Contingency Period: V days (7 if not specified) from the Execution Date of this Agreement. 351 Witirtn the Contingenry Period, Buyer, rrt Buyer's expense, may verify that the present use f " 1 752 of the Property is permitted. In the event the present use is not permitted, Buyer wIl[, within the Contingency PPxivd, give Setlerwritten 353 notice that the prssettt use of the Prtrperty is not peraitted end that Breyer wilt: ~ i. Accept the Property and agree In the F.ELEASE in paragraph 27 of this Agtxtnetrt, OR - ~ 3g 2 Terminate this Agceemem by written notice to Salle ,with all deposit monies rstumed to Buyer according to the terms of paragraph 30 of 356 this Agreement. .357 If Steger faIIs to respond witldn the Contingency Period or does not teratinate Ilbis Agreeme~ b9 waittcn notice to -Salter within that 959 tlmc, Bayer elm araept the Property and agree to the rrFtg`,tcta: in paragcapit 27 of this a4gree~ent. gS9 ND'3'ICES,.tS5ES5MENT'S & CERTIIErI~d,TES OF t)CCOJPANCY (5-05) ~ aso (A) Seller reptesertts, as of the date Seller signed this Agreement, that no publiF improvement, condominium or homeowner association assessments 981 have been made against the Proprty which remain unpaid, and that no notice by any guvemment or public authority has been served upon Seller 362 or alone on 5elie~s behalf including notices relating to violations of mnimg, horsing, btm7ding, safety or See ordinances that remain uncar- 363 reed, and that Seller knows of no condition that would constitute a violation of any such ordinances that remmainvacorcctcd, unless otherwise 3a'a speei5ed here: ~ - 9E5 (B) Seller knows of other potential notices (including violatio ea smmts except as follows: ~ ~i6 . 367 ~ ~ - 74o it% Sat 342 '" 313 34a 345 a4s 17. - 3aT X18 3as 36a 35i 3a2 • 353 3S4 355 356 957 358 359 . . 3s0 3B1 a6z aB3 arc4 ass ass 367 >s& 588 Sayer Inttislr. vCF?' - r~'r v .: ~t,/5-R Page 6 of to Seller ImiClals: Revised 9/R5 ~,~,,. 73A From copy 717 ~~5 OEg9 01/11/008 1:16 X782 P.00~/.011 969 (C) In the event any notices (iacitt3iag t2olations) and/or ast:essm~rts are received afro Seller has signed this Agrtxment atad before a~ttlement, J~ s7o Seller wiIl provide a copy of flee notices and/or ass~smeats to Sayer and will notify Buyer in writEne wittticr ~_ L~f~'S of reaft~.tl~ . ~7p 37t noEicxs and/or asseadrtents that Sella mill: 37t 372 1. Fully comply with the notices and/or assessments at SeUa's et:pasrse before settlement If Seller folly complies with the notices and/or 27t x79 assessments, Buyer accept the Property and agrees to the I€EI,EASE itt paragraph 27 of this Agrtr.°rrent OP 573 ' 3T4 2. Not comply witb the notices and/or assessments. If Seller chaoss~ not to comply with the ttatices and/or assessntent~ or fails wvfthln fire S74 975 time given to notify Buyer whet6rer 5etler w11E comply, Buy er will notify SeEIa is writing withiu _~ BAYS that Buyer azlL STS 376 a Comply with the notices and/or assessments at Buyr.'s expense, a~epe the Property, and agree tD the P~EI,EASE in paragraph Z7 of 376 S77 this Ageement, OR ~ x78 ~ lt~ Terminate this Agreeaten4 by written notice to SeSfey with all deposit monies rextan~ to Buys according to the terms of paragnrph 37e 379 30 of this Agreemenrt. ~g Sao If Buyer falls to respond within the time sttrted~ht paragraph 18 (C) (2) or fails to terminate thlt: Agreement by ~rritterr notice >b 380 •38t Seller within -that time, Bayer will accept the Pmptntyoed agree to the RII,1sA SE ~ paragraph 27 of this Agreement get Sat (Dj If r~»md by law, within 30 DAYS from the Fsecution Date ofthis Ageeaneat, but is no case later than 15 der}~s pace to aetttemert, Seller aez 3e3 tvt21 order at Seller's ezpenge s certification fimz- tli appropriate mtmicipal depattoornt(s) disciosiog notice of eery uncaaectcd viohttions of zero- 393 369 ing, hoaxing, building, safety ar fits ordinances and/or a certificate pmmining oceopancy of the Properly. If Buyer tzexives s notice of a~ _ 9x4 anti rrgttired tepairs/improvements, Boyer w01 promptly deliver a copy of the notice b Sallee 3e6 396 1. ~ Within ~_ DAYS of rexiving notice from the mtmicipality brat r,:pairs/improvements ate required, Seller will notify Buyer inwrit- 3e6 asr ing drat Seller wilL• - 367 sae a. Make tare required repairslitnprovemarts to the satisfar-tian of the_ muoicipaIity. If Seller makes the required repairs/iarprovements, gee 3~ ~ Buyer accepts the Property and agrees to the RELEASE in paragraph 27 of this Agreement OR Sg9 39o h Not makt the required repaiss/impmvements. If Seller chooses not m tmalre the repairs/improtremmts, Buyer wit! notify 999 Sgt Sella in writing within _~, pAYS drat Buyer writ: ~t 392 (1) Make the r~mprovea>~ts atBuyer's expo with permission and aGxss to the Property given by 5el[er, which will not 392 ass ~ be rwresaonably withheld, OR - 3a3 a9a ~ (Z) Terminate this Agreement by aattea ttotice~to 5~-0@e ,with all deposit tunnies re4aned to Boyer accorciutE to theterms ofpat~- Sg4 a9s graph 30 of this Agteenrent ass 398 If Bayer fails t0 respond witLm the tyme stated in paragraph iS (D) (l) (h) or tale to [ermimate this Agreement isy weaken notice 998 347 to Seller within that time, Buyer win accept the Property and apnea M fire I~LL~ASB in paraagraph 27 of thisAgreement, and Buyer 397 ass accepts the tresponeibility to perform the repairs!anprovemeets sernrdirti; to the terms of the notice provided by the municipality. x96 399 2. If Seller denies Buyerpermission m maL-e the rngtrhed repaeslimpiovcmeots, or does not prwitlr Buyer access Mote scttlemerrt to metre ass 9~ the required ropairs/imprtivements, Buyer may, viritbin _~ DAYS, terminate this Agreement by written noticr_ to Seller, with all deposit x99 Oat monies re:tttrned to Buyer a:,cerding m the terms of paragraph 30 of this Agrcemdtt 401 402 .3. If r!epairsfimprov®ents are required and 5eUer fags to provide a copy of the notice to Buyer as required is paragraph 18 (D), Seller will 402 . 4x3 petTotm all repairs/improvemenis as requited by the notice at Seller's aspertse. Patragraph ig {1D) (3) wHt survive settlement. 403 4oa (E) Access to a public road rttay ragirne issuance of a highway ttaapaacy permit firms the Depxitmcnt of Transportation. ta4 nos 19. 1 61URVEYS d: COST'S {9-OSj 406 496 (A) 'the Property will be conveyed with good and rttadaeteble title as is irrsursble by a reputable title +~~~~~ compatry at the regular rates, free sad 406 407 clear of all liens, en,^ambrances, and easements, EY.CEPTIlVCr IiOW~EVER the following: existing deed res4ridiaax; historic preservation 4117 aaa restrictions or ordmances; building redactions; asdinances; easements of rceds; easemratts visible upon Ure ground; easements of record; cad 4oa 4a- privileges of rights of public service companies, if any: ~ 409 dt0 (B) Buyer will pay for the following: (I) line ecarch, title insurance and/or mechanics' lien insurance, err any fee for cancellation; 410 aft (2) Flood insurance, fire insurance with extended coverage, mine sttbsid~ce insurance, err a~ fee for cancellation; (3) Appraisal fees and Ott 412 charges paid in advance m mortgage Iender{s); (4) Bayer's wstotnary.settlem-aot,costs and accruals. 442 4ta {C} Arty survey or surveys reepared by the title fosurancc cxuopany err tine ebshacting attorney for preparing an adequate legal description of the 4t3 4ta Property (err the correction thereof) will be obtained and paid fitrby Seller: Any survey err surveys desired by Buyer or required by die mortgage 914 415 lender will be obtained and paid for by Buyer 415 416 (D) ff Seller is unable to give a good and marketable title and such as is insurable by a reputable title~insurance wmpatty at the regular rates, as specified ate an is paragtagh 19 (A), Buyer will: ate at8 i. Accept the Property with such title as Seller can give, with no change to the pttrrltase price, and agree tv the RELEASE in paragraph 27 of this 418 4t9 Agreement, OR 4t9 ate 2 Ternimte this Agreement by written notice to Salley with a!1 deposit motti~ retumad to Bayer according to tfte tents of paragraph 30 of 420 421 this Agreement Upon termitration, Seller wt'I[ reimbtttse Bayer for any costs incttat:d by Brtytr for arty inspr~iortx ter certifcafitlns obfaineai 42t • x22 .. axording to toe termer of this Agre~t; and for tLose items sltrafied in pazngtsph 19 (B) items (I), (2), (3) sod in paragraph 19 (C). • 422 4x3 (E) Tir Property is not a "retreatianal cabin" as defined in. the Pe~syIvania Corslzuction Cade Act unless ath~arise stated here (sx htfnmialioa az3 G24 'ng Recreational Cabins): x29 ar5 211. tb ILANIYGD COA+EMIINiTY (BO1119E©W1~>gRSSO~Iut~T'IOIVj )~~A7 ~ IVEYdICE {9-tt5) ~ q~ az5 NOTAPPLICA$LE _ .. 4x6 Qa ^ APPtI1CABI.E: Ct7NDOMIId1UM The Ihmprtty is a unit of a eondomittittm that is priman'ly run by a twit owners' also..-iatior. §3407 of the ~ 427 428 Urrlform Candeurrinfnm Act of Pcnosylvanie (see, Lifarination Regarding Condominiotns and Planned Communities) tealrtites Boller to fitarish a2a .. ,429 ~ ~ Buyer with a Certificate ofResale and copies of the coriclasnimunr d~laration (other than plats and plena), rite bylaws and the rules and regain- rsg x39 bons of the essodatioa 43a 43t ^ APPLICABLE: PLANNID COf,Qh4i)1+IIl'Y (Ei0A9E€JWNER ASS©CIA1TOAf). The Prop.,-rty is part of a planned eonssnamity as defines by e31 432 the Uniform ' ed Community Act (sex Information Regardmg Condominiums end Planned Co~rrtmties). §5407(x) of the Act requites x32 4x3 Seller to fiimish uya with a copy of the Declaration (other bran plats and plans), the bylaws the rules and regulations of the sea 'on, and 493 aaa a Certificate rA tairiitrg the provisions set forth in §5407(x) of the Act ,5,1.4 ~5 Buyer Initials: ~~ A/s-fli Page 7 of 8A Seller lnftfialr: 495 lFretrls.~d 9/It5 • From:copy X17 2~9 (r99 Q1I11/2©Q8 X4:17 X782 P.Q€19/D11 s,s T13E FOLE.OPs~f ~G APPI.II~ TAI PIZ(3PER'FIES TIC' Altla P`AKI' fJF A C6T~F~D~Ofs~FIP~~IL1IvI €FIi A PI.AI~fiTEEP COlegft~Uh'F'L~ ~ a3T (A) Rrithia ~,~ BAYS item the Execution Bate of this Agreement, Seller, at Seller's e:xpease, wrli re,~uest frorn the aso=~~,s'on a ~fica~ of <s7 496 Arcola and auty other dn.•ner,.er,1,r necessary to enable Seller w comply with the relevant Act. The Act provides drat the e4sa:iation is rewired to <38 430 provide these documents within 10 days of Seller's guest. a39 aa0 (S) Setter will promptly deliver m Buyer a!! documents received favor the association. Un3.°r the Act, Seller is not liable to Buyer for the failure of 448 Oaf the association to provide the t;,ectificatn in a timely manner, nor is Seller liable to Buyer for any incorrect information provided by the associ- 44t 442 atiDa in the Certificate. 4a2 64s (C) The Act provides that Buyer may declare this AgreernentYOII? at anytime before Buyer receives the association documents sad for 5 days a8ea 4a8 444 receipt, OR until sesttleuoeat, wlrichevea oxuts first. Bayer's notice to Seller most be in writing; upon Buyer declaring this Agreement void, all 444 446 daposit n0ooies wilt fie rzhemed to Buyer accorddipg to the iz~ of paragraph 30 of this Agteeasent 6a5 446 (D) If the association has the right to Ivry the Property (right of first refusal), and the association exercises that right, Seller v1~Ilt reimburse Buyer fur 44s t47 .any costs incurred by Huyer for any inspections or certifications obtained according to the tetats of the Agreemrent, and any costa lectured by Buyer 447 448 for. (1) Tide search, title instrrane:eand/or mechanics' lien insurance, or any fee for cancxilation; (2) Flood insurance and/or fire insurance with 46e 4a9 extended coverage, mine subsidence iaisttrettx, ur any fee for cancellation; (3) Appraisal fees and charges paid in advance to mortgage lender(s). 049 466 21. MAIIITEI\'ANCti & RISK ElF I.QSS (9-05) 450 461 (A) Seller will maintain the Proprrt ,grounds, fixtura and personal property specifically listed in this Agreement in its present condition, normal 461 asz wear and tear excepted. 452 t63 (B) If nay system of appliance included in the sale of the 1'ropetty far7s before sealement; Seller will: 45a 45a 1. Repair or replace the fat7ext systear or appliance before sesttienreny OR 454 456 2. Provide prompt written notice to Buyer of Seller's decision to: ass 4~ a Credit Buyer at settlement for the fair marimt value.of the far7.-d system or appliartcc, as acceptable to the mortgage lender(s~ if arty, OR ash 457 h Not repair or replace the failed systt:m Ot appliance, and not credit Buyer at settlement for the fair market vahre of the failed system 467 ~ or appliance. ~ ass ass 3. If Seller does not repair or replace the failed system or appliance or ague to creditBuyer for its fair marlret value, or if Sellerfails to anti- ass aso fy Buyer of Se[Ler's choice, Buyer will notify Seller in writing within 5 DAYS or before settlement, whichever is earlier, that Buyer 460 -451 wffi: alit tat a. Accept the Property sad agree to the RELEASE in paragraph 2? of this Agreement, OR ~ ~ as2 ts3 h Te:mtiaate this Agreement by written notice 1D Seller, with ell deposit monies caromed to Buyer aiccordi~ 1o the teens of paragraph 463 464 30 of this Agesment. 464 ash (C) Sesllerbears the riel: of loss from Ste or othercasoalties untH settltanent. i€a~ty property iacluel~ in Ibis sale is elesaoyed and not replaced, Bayer wr7L• 465 465 1. Accept the Property in its then current condition together with the proceeds of anY insurance recovery otxtainable by Seiler, OR 4~ 4s7 Z Terminate this Agreement by written notice to Seller wiSr aIl d-posit monies tetumed to Buyer a,^carding to the terms of paragraph 30 of 4~ 46H t}tiS Agrexmtmt. 466 46s Z2. COAL IV®TICE (Where Appl[cable) 46s 4711 Tests DOC[xMENT MAY NOT SELL, CONVEY, TaANSFER, INQdJDi3 OR Ry4UR7QE THE TITLE T017IE COAL ANn trrGerrS OF SUPPORT 11DIDIIWEATH 7aE SURFACE LAND 470 471 DE4C:HIBED OR REFHtRED 7D HFItE01, AND'tfiG OwrdEit OR OWNERS OF SUCH COAL MAY HAVE THE COfvJPI.EdE Lkx,AL RIGHT TD REMOVE ALL SUCH. CDAL AND 471 472 IN TNAT CONNECrrON, DAMAGE MAY RESULT TO T9E SURFACE OF 17ff LAND AND ANY HOUSE,13Ua.DING OR OT'AER STRUCfDRE ON f~ !N SUCH LAND. (This 4n 47s nonce is set forth in the manner provided in Section 1 of the Act of July 17, 1957, P.L. 9g4.)'~tryet aclmawlydges that he racy not be obta®ing the 473 a74 tight of protection against subsidence resulting from coal mining operations, and that the property des~r'lxd herein may be protected from damage 474 475 dne to mmc setbsideace by a private contract wish the owners of the exonomic intesrests in the coal. This arJatowledgetuent is mach for the purpose 675 a76 of comptying with the provisions ofnection 14 of the l3ituntinous Mine Subsidence and the Land Conservation Act ofApti127,1966." Boyer agrees a7s an to sign the deed from Seller which deed wt7t contain the aforsaid provision. an t7S 23. Pp6SES9tD1Y (9-ll5~ a7B a9 (A) Possession is to be delivered by dew, keys amd: ~ t80 1. Plrysical possession to vacant Property free of debris, with ai] staucntttss bream-clean, at day and time of settlement, ANDfOR 46s ~ 2. Assignment of any lsxlating lease(s), together with a~ sectaity deposits and itrterest, at day and time of settlement, if Property is teased at 481 q~ ' the execution of this Agreement, unless otherwise stated is this Agreement. a82 481 (B) Buyer vriiI aelmowledge existing lease(s) b3' initialing the law(s) at the execution of this Agreement, unless otherwise speci5ed heroin. 48s 4a4 (G7 Seller will not eater into any new leases, exxtensiOnS of existing leases or additional teases for the Property without the written consent of Buyer: 4S4 4aS ~ 24. R:ECORD1tNG {9-115) This Agreement wilt not be reco[ded in the Ofi7ce of the liecordel of Deeds or in any other office of place of pulilie reword. 485 686 ]f Bm+er causes or permits tins Agreesmertt fA be rexrded, Seller may eles.t to neat such act es a breach of this Agreement a86 t87 ?5. ASSIGNMENT (S-QS) ThisAgreemettt is binding upon the parties, 8teir heirs, pW-rsotrol representatives, guardians and etlccessars, and to Hre extent ~ 466 aasigrroble, on the assigns of the parties hereto. Buyer wr71 not transfer or assign this Agreement without the written COt1SCat of Salle.[ lrlllt'^r,S other 48B 4a9 wise stated in this AgrecmeSnt. ~ 689 49a 26. Gt)VERNING LAW, VENUE & PEl?5©NAE. JIIJRISDICI"lON (4-Qs) ~ 490 Oar (A) The validity and construction of this Agreement, acrd the rights and duties of the parties, will lit governed in accordance with this laws of the 4s1 et¢ CommonwesUh of Pesnnsylvanie. 4s2 49s (B) The parties agree that azry dispute, controversy or claim arising under or is connection with this Agreemesnt or its perfomlance by either patty 4sa 494 ahaU be decided exclusively by and in the state or federal courts sitting is the Commonwealth of Pennsylvania. 494 ass 27. RELEASE (9-QS) 495 496 13tryet tsieaves, quit claims and torevesr discharges SELLER, ALL EROI£ERS, their LICERSEES, EMPLOI.'EES and any OFFICER or 4~ 497 PARTNER of any one of them end any ot]aer PEAS®N, FIRbE or C©RP®RA'Z'ION wlto may be liable by or ehrouEh them, from any and as7 a98 all clatter, losses or demands, including, lent not Limited to; personal m9m'Y and property damage and all of rice rnnseelntmees thereof,.whether 6ss ass knows or not, which may arise from the ptesenex o€tesaritss or.other wooaf-boring forcers, radon, lead-based paint hatreds, mold, fungi or 669 508 indoor air quality, 1 "roaamentaT l'6maards, any defects ~ the iad'eeidnal orElot sewage disposal system or de6dencies lathe on-site water sere 800 501 ire system, or any facts or eonefltioas au the Prnperty. Sbodd Seller be in det'ault render the terms of this Agreement, or ` viol n o€ nay sot 502, seller disclosure: to or regulatieea, this release does not deprive Sayer of nay right to pmsne any remedies that msey be ab der law ~ 583 or esquity. 'T'his re se will survive settlement 503 stn Breyer Ieritia X415-)t Page i of fl0 Seller IhtEtiets: 506 ltevis_~d 91@5 ..~~ «3 v. • From:copy 717 ~~~ C~~39 01l11120Q8 t4~:18 #782 P. Q1Q~~311 sue 2s. REPIZ~ENTAT7C3NS (9-05} sae see (A} All reprr:sentatiotts, claims, advertising, promotional activities, brncEtures or plans of any land made by Seller, Brokers, their licensees, employ-~ 506 501 ees, o~cets or partners are not a Bart o€this Agreeta°at unless et:pressly incorporated of stated in this Ar~reeatent. This Agreemem contains the 507 5e8 whole agreement between Seller and ]Iuycr, aa3 there are no othez terms; obligations, covenants, representations, statements or conditions, oral 5a9 se5 or otherwise, of any land wh::tsoever con: emnng this sale. This Agreement 8711 not be altered, amen3ed, changed or modified except is writing 50s st0 executed by the parties. ate 5tt (li) Unless otherwise stated in this Agreement, Buyer has inspected the Property (including 6zttires 2nd any personal property specifically 5t1 5t2 tiered herein) before signing this agreement or Las valved the right to do so, nail apaee9 to ptrrclresc the Property IN FI'S PRESLI~TT 512 5t3 CONDITION. Bayer sc>rrrowledges that Btokera, them licensees, employees, oilicen or partners have not made an iadependcat ezatn- 5t3 574 ~ imstton or determination of the struttural soteadneas of the Property, the age or condition of fhe components, eavironmentsl.coadltlons, . 5t4 5t5 tfie pern»tbed uses or of conditions existing ]m the Iocate.where the Property is situated; nor haPe they made a mechanics! inspection of eta Ste ~ nay of the systems twrtaiaed Htettio. Sts 517 (G~ Arry repairs ttsgttired by this Agreement will be completed in a worlananlike marmeL itT 51a (D) Broker(s) have provided or may provide services to assist unrepresented parties in complying with this Agreement. Ste 519 29. DEF.t.ULT (9-05) 5t9 52e (A) Seller has the option of retaining all aunts paid by Buye ,including the deposit monies, should Buyer: 520 521 ]. Fat? m make any additional payments as strecified is paragraph 3, OR a21 522 2. Fumisb false or incornplete information to Seller, Bmkar(s), ace' any other party identiSed in this Agreement concerning Buyer's legal or 522 st3 5naacial starts, OR '`~ 524 3. Violate or fail m fu1511 sad perCmm any other terms or conditions of this Agrumeat 524 525 (B) Unless otherwise checked in paragraph 29 (C), Seller may elect to retain chase sums paid by Buyer, irtdnding deposit monies: 525 528 1. On account ofpurchase pace, OR ~ szfi SFT 7. As monies m be applied to SeAer's damages, OR 527 see •3: As liquidated damages for such breach. ~ s29 (C) D SI~,LI.ERls LIIvd1TiED TO RETAINING SUASS PA1D BY BUYER,INCLIIDIDV4r DEPflSIT MtINIlTsF, AS LIQUIDATED DAtVIA~&. • s2s 830 (D) If SeIIer retains all sums paid by Buyer; including deposit monies, as liquidated damages pursuazt m paragraph 29 (B) or (G~, Buyer and Seller 530 531 are released from fitrtlier liability or obligation and this Agreement is VOID. set s3z 30. TERR'dIIVtiTIQ3N & RETURN OF DEPa51T'S (g-05) ~ 533 (A) Where Buyer terminates this Agreement pursuant to any right granted by this Agreement, all deposit monies paid on account of purchase price 533 534 will be r+eauned to B~+er and this Agreement will be VOID. The broker bolting the deposit mamas may only release the deposibmonies accord- a34 . 535.. ing m the terms of a fully executed written agreem.nt between Buyer and Seller and as permitted by the Rules and Regulations oPthe State Real sas 536 Estate Commission. ''~ 837 ~ (B) If there is a dispute over mti titdcmeat to deposit rtwnies, a broker is nut legaIly pemutted m detenniae if a brrach ocetrired or which party is cad- 537 538 tied to deposit monies. A broker holding the deposit monies is required by the Rules and Regulations of the State Real Estate Commission to 53a fi39 retain the taunter in escrow mail the riispate is resolved. In the event of litisation over deposit monies, a broL•erwill distrrlxitte the cannier accord- as0 y10 ing to the temrs of a 6na1 ordex of count or a writtxrn agrameat of the parties. Buyer and Seller agreethat, tinny bro6-er or affiiated licensee is 540 54t joined in litigation regarding deposit monies, the attorneys' fees and costs of the broker(s) and liceasee{s) wr71 be paid by the patty joirtiaY them. 54t sae 31. RI~4L ESTATE RECOVEILY FUND (9-05) ~ s42 543 A Real Estate Recovery Fnnd exists to reimburse troy persons who have obtained a final civil judgment against a Pennsylvania. real estate licensee 543 5# awing io fraud, arisreptrsentutioa, or deceit in a real estate trtutsaction sad who have been unable to collect the judgment after earhattsting cep legal 544 :45 sad equitable remedies. For coarplete delar7s about the Fund; call (717) 753-3658 or (8011} 522-2113 (within Pennsylvania) and (717) 783-4851(out- 545 546 side Peaosylvanis). 546 547 32. 1t4~DIATION (9-05) S17 54B (A) Unless otherwise checked in paragraph 32 (D}, Bayer and Seller will submit all disputes or claims that arise from this Agreemerrt to mediation 546 844 in accordance with the Rules and Procedures of the Home SellerslHome Buyers Dispute Resolution System. Any agreement reaclocd through 549 55o mediation and signed by tiro parties wr111>e binding (sec Iafotraation Regardmg Mediatiaa). ~ 551 ~ (B) Buyer tiler have received, read, and mderstaad the Rules and Procedures of the Home Sellers/Flome Btryers Dispute Resolution Systern. 561 552 (C) A~ uneat to mediate disputes or claims arising from this Agreement will•autvive settlement. sex 5&f (D) M1:DIATION IS WAIVED. Btryer and Seller understand that they may choose to mediate at a later date should a dispute or claim arise, a53 554 but that there wilt be no obligation for any party to do so. 554 .555 33. RF•S®SNTIAL I.EEAD-BASED PAINT SAZ.ARID 1bEDTJCTION ACT NOTICE (Required for properties built beforr 197b7 (4~5) 5s5 6ss Lead-Based-Paint Hazards Disclosure Requirements: The Residetrtial Lead Bated Paint Iiarard Redaction Act rtgnitns any seller ofprop- 5s6 557 arty built before 1978 to providethe buyeawith anEPA-approved lead hazards information pamphlet titled PratectYour Familyjront Lend itrYour g.51 58a Rome and m disclose m the buyer and the broker(s) the known presence of lead based paint attdfor lead based paint hazards in or on the prop.°r- 55e 559 ty being sold, along with the basis used for detetn»ttiag that the hazards exist, the location of the hazards, and the condition of painted surfaces. sss 560 Atry sells of a pr~1978 structure must also provide the buyer with nay records or reports avar7ablc (4 the seller regarding lead-based paint and/or 560 5rt lead-based paint hazards in m abort the property being sold, the common areas, os ~othcr residential dwellings in multi-family housing. Before a 561 582 btryer is obligated to purchase any housing constructed poor m t 978, the Act requirzs tlrc seller to give Lire buys 10 days (unless buyer end sell- ss2 '~ er agree in writing to another time period) to waduct a risk assessment m inspection far the presence of lead-based paint and/or lead-based paint 563 eti4 Hazards. The pormnity to conduct a risk assessment of inspection may be waived by the buyer, m waling. Neither testing nor abatement is 5a4 se5 required o~.ttteo~seller. Housing built in 1978 or later is not subject to the Act. ~ 565 s6s G3~NOT APPLICABI F. Propary was built in 1978 or late. 56s ss7 ^ APPLICABLE. Property was bunt before 1478. Eroker must attach the [.cad-Based Paint ffiaurds Disclosure and" Inspection 567 55e Contingency Addendum (PA1L Foam LPA) or another acceptable form with the'taformarion required icy the Act, and provide BnYer 5~ g~ the pamphletPr6rerlYourFamlfyfroneT4ead its YmrrrF~orae; l€uyer(s) must iaidial6elow that they have received both doenments: 5~ 5P0 ~~- t.~d-Baste Paint Fi~ards Disclosme cad Inspection Contingency Addendum (attached as part of tltit g ant). 570 x,71 ~~ Protect Pour Family from Lead rn Pear Home : ~ 5Ti s72 Bayer I®tuials:, f~`t v A/5-1L Page 4 of IO Seller Init3alc: t~rv}v 1/ 572 Revised 4lQS .e~R From: copy 717 245 0699 01111/2008 14:19 X782 P.01i/Oi1 573 34. SPECIAI. CLAUSES (i-02) s-3 67a (A) The foDowhlg are part of this Agreement if checked: 674 516 ^ 5ale 8t Settlement of Other Property ^ Settlement of Other Properly Contingency Addendum (PAR Form SOP) 575 576 577 Contingency Addendum (PAR Form SSP) ~ Occupied Property (P Form TOP) ^ P ~ 575 5ale & Settlement of Other roperty Contingency i O.r sTt 578 with Might to Continue Marketing D e 579 Addendum(PAR Form SSP-CM) ^ 579 56D (B) yen Sat 581 5a2 562 5l3 583 6t4 564 696 595 5t6 Sg6 5tT 587 5a8 6aB 659 699 6aD 59Q 581 591 592 592 593 593 584 594 Sg$ 595 Sag _ ~ 596 ~ 597 Sae Bufer said Seger aclmowledge receipt of a copy of this Agreement at the time of signing. 59s 5a9 NOTICE TO PARTIES: WHEN SIGNEI?, THLS AGREEMENT IS A BINDING CONTRACT. Parties to this transaction are advised to consdt 599 bog as attorney before signing if they desire Iegal advice sag g8t Retairn by facaims7e kansmiesioa (FAIC) of this Agreement, and any addenda and ameadmenb, bearing the signatures of a0 parties, constitute Got sm accepters by the partle. gnz eo3 ~~pyer has received the Conanmer Notice as adopted by the State Real Fatale Commtsaiaa at 49 Pa. Code X35.336. so3 604 ~er Las reeehred a statemern of Buyer's estimated closing coats before signing tLfs Agreement 604 soy Lea read and understands the notices sad explamtory information ht t6isAgreement. 505 5~ yer Las rcceivea s Se9er'a Praiperty Dlaclosare Sta6emeat before signing this Agreement, if required by Iaw (see Information Regarding 60s 607 the Real Fatale Seller Diadoaure Laws go7 808 D Bayer bas recaved Me Deposit Mossy Notice (Rr cooperative sales when Broker for Seller Is babitng deposit money) before slEaiag this 502 60s Agreement 609 61o BUY$R'S MAILING 611 512 (~ DATE t / 7/ ~U 6t1 6t3 WITNESS F / , BUYERS ~_h~,~C~ ~Jl ~ Y1~~C_ DATE ~ ~ 7 -~G s?3 6t4 VH111VESS BUYER DATE 614 6t5 Y bas received the Consumer Notice as adopted by the State Real Estate Commieion at 49 Pa. Code §35336. 8'13 518 ysrhas received a statement of Selleer's estimated clesing coats before Ggning this Agreemenk 616 5t7 er bas read and nndetstanda the aoficea and explanatory hdormation in thL Agreement Bt7 stn SELLER'S MAILIIHG ADDRESS: Call 57D 621 .. __-•_.. 622 WITNESS SELLER DATE AtS-B Pegs l0 of IO Revised 9/QS 61g 819 62a 621 612 s~R~s coPY ~,a,r.~ p '~- ~~ «'~'~ va•~a HllHMS CCL'NTY NATIONAL BK 7173382246 P.01 ~.i / vf"~e ail APPRa19R.11L ®F REAL PR®PEdI'f7 t®CA7ER A~. 34 Grsenfbld Orha Deed Boric 130 Pegs 812 Ceriale, PA 17015 FCiI: Adams CourNy Netbnel 8snk ®iS Ob Harrisburg Road, Gettysburg, PA 17325 A~ OF: November T, 2007 R7: Swan B. Burkfglder, R1.00065&! Smro Certified ResiderAial Appraiser Tna Ir>temted veer of this roport Is Adame courtly National Ba~ ~ ~+ a R ~ This indented ue9 N for financing purposes only. {u ~V/ Summary Format "~ Form GAl -'TOL1L for Wimbwa" appraisal ~ftrraro 6y a la msCe, inc. -1.8Q0-ALOMODE ~ ~ ~4, ~• s "..r;! roUV-Gb-2JN'7 08 46 ADAM& COUNTY NRTIONAL 13K 7173382246 P, 02 ~ Diversai-d Appraisal Servica~ ~/ f ~ge ~~ l9ra~~rt~ R~~ider~tsa0 a~pprli~a0 R~p~7t# Fds~f 110407M Tte 011rnfLSP (Ir ihie a111M1]N f wln~J ... w x~x•~~s xR iawarwam mm an acwraa, one 8tlrquetBl pOrhld, 0 'ion of aY muket valor Ci ae suinect m Pro A dress 4 Greerdteld N Ci disc State pA L Code 17 1 ~~ tre anttwn olden & Martin Gulden Owes of Punlic gecard Ma arhofer Ca u Cu errs of Ddtrs tion Oeed Book 130 Pa 812 Assessors ParCd # 40.24-748.118 lax YBar 2007-2008 R.E Taxes g 169 39 . Nerve Ma Aetsence 2x•748 Census Tract 0129.00 Oecu am Owner Telam Vaeam 5 ~ Assessmerds S o.DO PUD NCA 9 -0- u r r momh Pro 8 Ao 8i laasetroltl Cars tlescrine Ass rerlent a Pursfrase Treneacaan Rrainana trarsacaon Orns deacons I.ends/Cfem Adams Coun N nal nk Address 678 Ctd Ma ' o d P 1 S ' Is Ore sub offered for sale or has d been aGered for sale in the twelve nlorrths 'or to as dfecdve date at tNs sisal? Yes Na Re od data same s used sand dates . r e a to t t afferi inrprmafion n the Cgrdral Penn MI,.6. u I I did dd not amWVZe ae contract for sale for the sublect purchase aansacdon. E,Olain the resuhs of the analysis of the caer~t for sale a why the anaysis was n t Onaed o . The sub m under conhact for .4170 000. Corraact Ptlce g 170 000 Dde el Contract 10-28-07 Is ale seas the owner of ublic retard? Yes Ne Data Sources Courthouse records Is mere arty iirencal assistance (loan CtlarOes, sale concesslans ptft or downpaymeu assistance dc t J i b , , .) d >e pa d y any party On behaa of the barrows? ^ Yee ®No h Yee, rna nual dokr amwm and ~suibe me aerre to ne ale Noh:Aaeearrdtlreraaialca ndlla anrral taraaea :~';cr-; ;, Araaoq~gps,.::. ' •; ..... • onrrunr~Noua trer~e Lecatlen Udlwt Suburban Aural P eR V ' One-ilnD ~ P~e~it~re 9G I s 6Yab6 De PRICE AGE Bu Ors 75^6 2S•75% Under 2596 0 Sna In 8alerlce Ors S 000 One•Writ ll0 % rs Growth Ra b tlGble Stow IlMrks4n Time Was 3 mths 3~8 mats Ovs.6 male 1 l.oty Ne 2.4 Una % MWf•Farld % Nel bOrheod BeurldaAes The sub ne' b~hood is bordered Pike Marsh Drive Roar a 300 HI h 100 CemmscfO 10 % W m o Prod. D Established rea(derdal ' hborhaod is stable ms. Corrveniarrt to adwols rfiarches o Otlts 0 % ho and n. I of me h v im m i0 of the s act Ma(IfP2 ~ ~M~ItlI Idr the abOrO COntlusidl6 Market mnditmns are with erttas setlin wittrin thn to sht m Canvemionel and insured fin i s s reed avaiabk to ualified h at reasonable races and term Dbtraaloru I r Area .19 acre Sha a Recta r View Aver 11011' lNpabnRN Inri DasCd Gal n' ennitled ~ C I Nanconlomi GrdndtarneredUse No7nnM i al trip M the and bear rue of - as im Ortd o<>a ro sea lens and aeons as serrc use? Yes No d Na describe Uladee Puhlk aNr deydipe) Pu1Rc Otlter daael9re Ott-oar erde- Puhl~ Prhete t9~ wasr Street m ~~_ Qae Ca~ihw, eo..,~ rot n Farm 10p4 -'TOTAR for Vlindows~ appraisal solRaere by a la mode, inc. -1.OCO•ALAPACOE ~-; w,. ''. ~'4" '"~"~ <, r ~? °uQ ~ °1 ° Fannie Mae Form f 004 March 2005 NOU-25-2E07 E8~49 ADAMS'COUNTY NATIONAL BK 7173382246 P.g3 °.../ ,~ l~nifi~rr~ R~~~dent~al A~~r~c~al F3e~or~ PneAr 11aaD7M There are 0 cd 2hN ro to affelal for sale in the sub eG ' hbOrhoed in Irom $ 165,000 to $ 180 000 Thal e are 3 com ar. We sates In the sub ne bdrhdod within +he oeM twelve mottos i . in mh dsa irOm $ 175 S 00 tD $ 155 OCO FEATURE SUBJECT COMPARABLE SALE a` 1 COMPARABLE SALE ~ 2 COMPARABLE SALE ;I/ 3 Address 54 Greentleld D rive 50 Tunbndge Lane 7 Ridgeway Drive 33 Tunbridge lane Cadets PA 170 Prosiali to Sub ec! 15 C rliele Carlisle Ganase Sale Pour S 17 000 ,OS mhos 1 m' $ 175 D00 S miss SaM Price/6rass Liv. Arm S 1 4 .rt 180 000 . $ 1 3 .s. S 1 h S 173 000 D>aa s Varifiration S ~ . . Cou ueo ~ ~ S 1 a .h. Courthouse s VALUE ADJIISTMfY1TS Sales a RnarvUli OESCRPRON OESCRiFRON + • $ Aa'estneat DESCRIPTION + • S Ad'asirnent FI ~SCRtPTN)N + • S Ad'usbr~t p Cmtcessters Nane known None known None krloMar Dale of Sak1Tart Camranticnal Cmlvarrdonai Ca al e ~~ 6.19-07 &25.0'7 _ 7 LeasehdhUFee 91m IB Sim r Simaer ghn~ Sib ! 10 SI F F im le r~ . Awra a a SimAar , 1 e Simtar 1 rxe Similar +1000 NN ' of CarrMruetlan d un' 'ckNi Erd unA Irrherior una +2 OOD ~~ 12 10 rs Br g~y- ~ 18 9 AbOVO Grade Tate Bdnns 8aln 8imiar Tetel BtrmS 9aas Simiar Similar iT 0 , Taal Bdnna. Boris Told cans 00m 00At 5 2 2 5 2 Bross LIN Area BaeamelRE FMehed 1 33S !L 1430 .N. 1402 1 35 s R ROOrte Below Grade Slab Nort Nane Nona None ~~~ I None None flora o CA i r FAa a Col Simiar Fha Gas CA Sing Fha Gas CA EfflCietR ~rrrs N tNona C rt PmeftrPaND'Dpdr pare do Porch deck 1~ar a a Por deck +5 DO -ear Adjrrsted Sale Rice N ~ et Adl % ~ ars61a ~~ ~ G I . r08e Ad . % Net Ado 28 % Net Adj. pg % S 17S 000 firOSS Ad . 8 % $ 00 GLASS A 2 9 % S dM did not research dre sale ar trarrafer dec o of the sub Bet . 174 0 and w arable Sda. U noL did did ret reveal 'w solos ortransfers of the sub r the Uses sr 1D the etiive of ittls a rais L D a an a Aeaesam rat h did did ram reveal ~ seNa a transfers at Ua c Bates for the ear riot to Nis date df fak of fAs comearabk sob. Dan SO s R the n:seertl- and odor sale rs transfer h' of Ua su ' and co k Sa1W d additional or safes on 8 3 IT9N SUBJECT COhUsAITA SALE ~1 COMPARABLE SALE #2 CDMPAIiABIt: SALE 83 to tfiot SalelTronsfer 1 1 1- ~~ PrluSaldfranste 5121 900 152 ~ 8-3!96 $128 0 0 $125 E/1eWMe Dated Data S s 11-D7 use ~~ ~~ Co 11 na sale or iranstef hstenr uF>b, whin r mm~..n, «,w nn......_LV _~__ .. 11.07 11 rw ipWaiSil u nude PSI "aa i6". (_ f gabjadt m cbr~rktion per plwq aM spepNcaydna do the bae(a of 8 cdnpkted, ^ auhjeet ro the f0lbwirrq repairs Or alteroUona on the basis of a hyaosieacat condalon tlat the improvements have been faro fired firs ctlOn based en Ux Odra assranOdon that the carddro' n w ~I iet~ d0a eM~ i~ra aal~adon ~ ~a;~ve bsea tompletad, r0irerrt ~ndi~ the !ta~d ON a atompNb vNYal in~p~ n M the Yrferldr' one aedarfor auras of Nap ShcjeCt prosedv_ d Spa pt q,Ork sf~eetart of aeeumptinrra and Nndting aondadoae, and applabK'a arNirafion, mr (Dori opNiOtr d the merfat value, as defined, of rpl propertyr Ntat is UN subject of this sport is S 175 a• of Nowm bar 1, 2007 which fa the date al ' and the eMeedve a of Ntis a Bloat. Freddie Mao FOmt 70 March 2005 pdge 2 Of 8 Fannie Mae Form 1064 March 2005 Fain 1004 - ROTAL 1cr Windows" aoprai;al sofhvare by a la mods, inc. - t •9sb•ALAMGOE pa~a,;.r ~''~~ .~, rvuv-eb-~d~r ~d:50 ADAMS•CGUNTY NATIGMAL PK 7173362246 P.04 °' ' ° - Fannie Mae Form f 00.1 March 20Q5 fOfpl iD04 -'iOiAL fOr NVindmvs• appraisal eathvare py a la itm8z, inc. - 7-8Q0•ALAto1Q0E rim ;,~,~~~`s~w:~~ ~.,J ~,, e i~vv-~o-e~'r ea:~e ADAMS CCL'NTY NATIONAL BK 7173382246 P, 65 ~ `,.~ 6 R~~~d+~r~ia9 This report farm is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUI7). This report form is not designed to report an appraise( of a manufactured home ar a unit in a condominium or cooperative project. This appraisal report is subject to the fallowing scope of work, intended use, intended user, definition of market value, statement of assumptions and AmiUng conditions, and certifications. Modifications, addAlons, ar tleletiona to the intended use, irtended user, definition of market value, or assumptions and limiting condhions are not permitted. The appraiser may expand the scope of work m include any additional research ar analysis necessary based on the complerty of this appraisal assignment. Motliflcationa or deletions to the certifications are also not permitted. However, additional certifications that do not constiWte material alterations to this appraisal report, such as those required by law or erase related to the appraiser's continuing bducatian or membership in an appraisal organization. are permuted. SCOt'E OF WORK: The scope of work far this appraisal is deifned by me complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the foAowmg deBnlUan of market value, statement of assumptions and Ikniting condieans, and certtications. The appraiser must, at a minimum: (1) perform a complete visual Inspection of the irrterior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable setae from at (east the street, (4) research, verily, and analyze data from rollable public and/or private sources, and (S) report his or her analysis, opinions, and canclusiona in this appraisal report. ~D~DthUis E: The (ntendetl use of this appraisal report is for the lender/cfient to evaluate the pmperty that is the appraisal Tor a mortgage finartca transaction. INTENDED USE#i: The intended user of this appraisal report Is the fender/cllerd. DEFiNClION OF MARKET VALUE: The mast prababie price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prutlerrtiy, knowledgeably and assuming the pricy ie not affected by undue stimulus. fmpficit in thle definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions wtrereby: (1) buyer and seder are typically motivated; (2) troth payees aro well informed ar weA advised, and each aC6ng in what he ar she considers his or her awn best interest; (3) a of t1na~Cialtiarrange~~Msd~mpa~reble theretoe a dn(5)ath~e p(rica npreseMros the normal osideration f r theoprope~ said a unaffected by special or creative financing ar sales concessions" granted by arryane associated with the sale. *Ad~rstments to thc comparabl8s must be made far special or creative financing ar sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a resort of tradition or law in a market area; these coats are readily identifiable since the sager pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable ProP~ by comparisons to financing terms offered by a third party (nstitutianai fender etas is not already imroived in the property or transaction. Any adjustment should not be calculated on a mechanical dolor far dollar coat of the financing ar canoession but the dollar amourrl of arty adjustment should approximate the market's reaction to the financing w ooncasslons based nn the appraiser's Judgment. STA1'fEIlAE3YT OF ASSUMFTION3 AND LIMR9NG CONDITOONS: The appraiser's certification fn this report is subject to the following assumptions and I(miting conditions: 1. Tire appraiser wAl not be responsible far matters of a legal nawre that affect euher the property being appraised or the titre to It. elrC8pt for irt8ormaeon that he or she became aware of during the research involved in performing thts appraisal fie appraiser assumes that the titre is good and marketable and will not render any opinions about the tide. The sleet ~h lee c uded anlysw assist~me ceder PnrvisualizingRthe prooPertyeand~u~nders~'tan ~ e ,~na of the improvmnents. of ~ Sizs• 9 ppraiser's delerminaean 3. Ths appraiser has examined the available flood maps that are provided by the federal t:rnergency Management Agency (or other data sources) and has noted in this appraisal report whether amt portion of the subject site is located !n an iderrtitied 3paclal Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express ar +mPfied, regarding this determination. 4. The appraiser wiA not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do sa have been made beforehand, or as otherwise required by taw, S. The appraiser has noted in this appreis~ report ~,y adverse conditions (such as needed repairs, deterioration, the Presence of trazardoua wastes. toxic substances, tttc.) observed during the inspection of the subject property or that he or she became aware at durirrg the research involved in performing the appraisal. Unless otherwise stated 1n this appraisal roport, the appraiser tree no knowledge of any hidden or unapparerrt physical deficiencies or adverse conditions of thc property (ouch as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental condieona, etc,) tryst would males the praDertY less valuable, and has assumed that there are no such candWana and makes no guarantees or warranties, express or Implied. fie appraiser wAl not be responsible far any such conditlons that do exist or far any engineering or testing drat might be required to discover whether such conduions , Because the appraiser is trot ~ expert in the field of environmental hazards, this appraisal fePort must not be considered as an ertvirorrmental assessment of the property, 6. Tire appraiser has based hla or her appraisal report and valuation conclusion far ~ appraisal that is subject fa satisfactory completion, repairs, or alteratlons en tits assumption that the canpletion, repairs, or alterations of tiro subject property will ~ Derformed in a professional manner. Freddie Mac Form 70 March 1005 Page 4 Of 6 Fannie Mae Farm 1004 March 20Q5 farm 1 p04-'TOTAL tar wintlowa` appraisal :oftwnre by a la mo~a. inc. -1-aQa-ALph9DGE e~o~ ~~~ ; ;<0~0. S ~G~~s~'~ r Nov-gib-2007 08 51 ADAMS'COUNTY NATIONAL BK ~ 7173382246 P.O6 .~ ~ UfBf8d7fTif P1~~0Q~n~}a9I A~Ffir~llSrai'~ C~71F7CA71DM: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of worK requirements stated in this appraisal report. 2. 1 performed a complete visual inspection of the interior and e>Qeriar areas of the subject property. 1 reported the condftian of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could aiiect the IivabiUty, soundness, or structural integrity of the properly. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board or The Appraisal Feundalien and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. i have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but dkf not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreemerrt for sale for the subject properly, any offering for sale of the subject property kr the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property tar a minimum of three years prior to the effeci<ve date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prier sales of the comparable sales for a minimum of one year prior th the date o1 sale of the comparable sate, unless otherwise indicated in this report 7. 1 selected and used comparable sales that are locatianally, physically, and TunaUonally the most similar m the subject properly. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that hag been built or will be built on the land. 9. I have reported adjustrnerrta to the comparable sates mat reflect the mamet's reac0on to the diffarencea between the subject properly and the comparable sales. 10. 1 vertffed, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 1f. I have knowledge and e>q~erience in appraising this type of property in this market area. f 2. I am swan: of, and have access to, the necessary and appropriate pubic and private data sources, sudh as multiple listing aendcss, tax asaeasment records, public land records and other such data sources for the area in which the properly is Located. 13. I obtained the irdormetion, estimates, and opinions famished by other parties and expressed in this appraisal report from reliable souroes that t befleve to be true and correct 14. I have taken into consideratthn the factors lfrat have an Impact on value wfth respect to the subject neighborhood, subject ProPer1Y~ and the proximity of me subject properly to adverse influences in the development of my opinion of market value. I have noted in this appraisal report arty adverse conditons (such as, but not Ilmi0ed m, needed repairs, deterioration, the presence at harardoua wastes, toxic substances, adverse emrirortmetttal cdnd)tlons, etc.} observed during the inspection of the subject properly dr that I became aware of during the research involved in performing thin appraisal. I have considered mess adverse conditions in my analysis of the property value, and have reported an the effect of the corniitlons an the value and martcelatsllhy of the subject property, 15. I have not knowingly wimheld any significant information from mis appraisal report and, to the best df my knowledge, all atatemerns and irnormation in this appraisal report are true and correct 16, I stated In this appraisal report rry own personal, unbiased, and professional analysis, opinions, and conclusions, which era subject only to the assumptbrsa and smiting condibons to mis appraisal reparl. 17. i have no present err prospective interest in me property mat is the subject of this report, and 1 have nc present or prospective pereonal imerest or bias wim respect to the parlicipants in the transaction. I did not bass, either partially or completely my analysis and/or opinion of market value in this appraisal report on the race, color, rcaglan, sex, age, marital stabrs, handicap, famYiai status, or natipnal origin of eititer the prospecihve owners err occupants of the subject property or of the present owners or occupartta of the properties in the vicinity of the subject property dr on arty other basis prohibited by law. 18. My emproymertt and/or compensation far perfdrning this appraisal or any future err anticipated appraisals was net conditloned on any agreemeirt err understanding, written or otherwise, that 1 would report (or prasesrt analyses supporting) a prcdeterminad specfic value, a predetermined minimum value, a range or direction th value, a value mat favors the cause at env party, or the athalnmant of a specific result or occurrence of a epectfic Str4sequeM event (such as approval of a pending mortgage ban appecation). 19. I personally prepared art conclusions and opinions about the real estate mat were set forth in this appraisal report ff I relied an tagnMcatlt real proptrty appraisal assistance from any Individual err individuals in the perfomtance of this appraisal rk me preparation of this appraisal report, I have named such individual(a} and discip:kd the specific tasks perromred n this appraisal report. I certify that any individual sd named is quatifled to pertarm the tasks. I have not authorized anyone to make a change tD any Item in ihla appraisal report; therefore, any change matte to mis appraisal is unauthorized and I will fake no rosporaribdiry for it ?D. I Iderrrtified the tender/client in this appraisal report who is the individual, organization, or agem for the organization that ordered and will receive this appraisal report. Freddie Mec Form TO March 2005 e_- a _.., °- - ° - rartme mere Form 1004 March 2006 Farm t OOA -'NTAI. ror WmCcavs• appraisal satRVare 0y a Id mode, inc. - t -800-ALAA8O0E NOV-26-2007 98 52 ADAMS CGUNTI' NATIGF,~AL BK 7173362246 P.07 ~ ~..+ ilr~i~~rr~a R~~9d~r~ial A~s~ra~s~l ~3~e~t~rt ~x..~.~.~. 21. The lender/client may disclose cr distribute this appraisal report to: the borrower, another lender at the request of the borrower, the mortgagee or iL5 successcrs and assigns; mortgage insurers; gwemment sponsored enterprises; other secandar~ market parrlcipama; data colleC.ian Cr reporting services; pratesslonal appraisal o-gan¢ations; any tlepartment. agency, or instrumentalitSr of the Uni[ed States; and any state, the District of Columbia, or other judsdictiona; without having to obtain the appraiser's ar supenviaary appraiser's pf applicable) consern. Such consent must he obtained trefcre this appraisal report may be dieGcsed or dislnTluted to any other party ¢ncluding, but not limited to. the public through advertising, public relations, news, sales, or other media). ZZ. I am aware that arty disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain taws and regulatbns. FuMar, 1 am also subject to the provisions of the uniform Standaros of Professional Appraisal Practice that pertain W disclosure or distribution by me. 23. The brarower, another lender at the request df the borrower, the mortgagee ar its suodessors and assigns, mortgage insurers, government sponsored erderprbes, and other secondary nrarMet paNcipams may rely an this appraisal report as part of any mortgage finance transaction that 1mraNes any one or more of these parties. 24. N this appraisal report was transmitted as an 'electranm record" containing my "electronic signature," as those terms are defined In applicable federal and/dr state laws (exc:udmg audio and video recordings), or a facsimile transmission of this aPP~sal report containing a copy or repreaematron of my slgnaurre, the appraisal report shall be as effective, enforceable and valid as M a paper version of this appraisal report were delivered oorrtainirrg my original h,'utd written signature. ~• ~Y kltenUorlal or negggent misrepresentation(s) contabled to this appraisal repon may result in civil tiabitiry and/~ criminal Penalties including, but not limited to, fine ar imprisonment ar both under the provisforrs of Tale 1S, United States Cade, Seaton 1D01, et seq., ar siml~r state laws. SUP~1/LSaR`d APPRAt9E3i'S CERTIFtCATiON: The Supervisory Appraiser certifies and gees that: 1. t directly supervised the appraiser for this appraisal ass[gnment, have read the appraisal report, and agree with the appraiser's analysis. opinions, statements, conclusions, and the appraiser's certltication. 2. 1 accept full responaiblliry for the contents of this appraisal report includmg, but not Ilnrrted to, the appraiser's analysis, opinions, Statemerds, conclusions, and the appraiser's certification. 3. The appraiser Itlerdlfied In tlNs appraise! ropon is either asub-contractor ar an employee of the supervisory appraiser (or the appraisal firtn),1s qualified to perform this appraisal, and Is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report compges wigt the UnHorm Standards of Professional Appraisal Practice that ware adopted and Promulgated by the Appraisal Standards Board Of Ths Appraisal Foundation and that were In place at the time this appraisal report was prepared. 6. tt this appraisal report was transmitted as an "electronic record" containing my "electronic signature; ' as those terms are defined in applicable federal and/or slate laws (exotuding audio and video recordings), or a facsimib transmission of this aPPr~el reps wining a copy ar represemation of my signature, the appreisal report shall be as effective, enforceable and valid as fl a paper version of this appraisal report were delivered comaining my original hand written signature. APPRAISER signature -Name SueantU Camparry Name Diw~sined Aoaraisal service, Cantpany Address 3.9 B. Hiah e*set Ste 101 Cedrs~ pa ,~n,v Telephone Number 117-2a~z758 Email Address e~.btMdrolder~Rflamea.ea» Data ~ agnaturs and Report November4.2007 Effective Data Of Appraisal V14vember 1.2407 State Certlficaticn # F3L.oodet39-~ ar State Dense # or t7ther (describe) State # S18te PA Expiration Date of Certification or license June 30.2009 ADDRESS OF PROPERTYAFPRAI5ED 04 Groanlydd Orwe ale. Pa 17016 APPRAISED VALUE OF SUBJECT PROPERTY $ 1is o00 LENDER/CUENT Name Company Name Adams County NaUonar Bank Company Address 875 Cld Harriabwa ttoad Genvsburr, PA 17325 Emad Address Freddie Mac form 70 March 2008 Page a a< s SUPERVIB®RY APPRAISER (ONLY IF REQUIRED) Signature Name Lahr E: Fodee Canpany Name oivarsinad Appraisal Services Company Address 36 t? Htah sneer 101 ~+~ PA 17013 Telephone Number 717.249-2758 Email Address lxrvrooted3pmail.cpm Date of Signaturo November 4.2007 State Cerddficatian # GA~aocOla-L ar State Ucense # State PA Expiraiion Date of Certilfcatton or License ~e 3o zaasr SUBJECTPRDP£RTY ~ Did not inspect subjecf properly Did inspect exthriorot subject property from street Date of Inspection p Did inspect interior and exterior of subject property Date of Inspection __ . CCMPARASLE SALES I~) Did not inspect exterior at comparable sales irtrm street ^ Did inspect exthrior of comparable sales from street Date of Inspection Fannie Mae Perm 1004 Moran 2005 Farm t0e4 -'TOisl tar Nmdatva' appraisal soltoere by a la mode, inc. --1-SpD•AU1M00E NUV-26-2907 08:52 ~ pLAt1S'000NTY NATIL~NAL &K ~ 7173382246 P.08 ~./ ,,~ Sapl~al'iir~~a3~a dlddten~trtm "~- File N0, 11 Od07M art C Kat , Antho olden 3 Martin Gurd n ass a4 rrfMtd Onva Ci Carlisle n Cumkerfand A Zi C e 17 15 t, er lids s Cqun Nation ank AddREutal Comments There is not a homeowner's fee.. Thor suLyect is older than flue years old. All meCtaniral systems lndudirtg heating, electrical and plumbing systems appear to be waking adequatety. No warranlias are implied in this statement. The prodominant value in the neighbarhaod ie lase than thffi of the market value cf ihs subject properly. This ie due to the very wide range a( values of properties in the area and superior quality of the subject properly. This cond'iti'on doh not affect the msriwt vahre of the subject v- its fttltrre marketability. The scope of the assignment induded an analysis o(the subject's eras, an inspectlan of the subject property, an estimation of the txopertys highest and bast use and the carialderation of all three avproaches to value and the application of those relevant to the valuation of the subject property. TtNa repoR h~ been electronically prepared and transmitted in campBance with USPAP guidelln~ which includes verification of the complete transfer and delivery, digitaAy protected signatures and adequate securtiy measures in play to protect data Vattsmitted byappraiser. Privacy Notice Pureuant b the Gremm-t.asgrgptay Act of 1988. effective July 1.2001, appraisers. abng with all providers of personal Mensal asrvaxe are now required by federal law td htform their rd~rts of the polides of tiro lion with regard fo the privacy of the chant nonpubBc pereortal information. As professionals, we understand that your privacy is vary important in you and are p to provide you with this information. In tfw oourss of performing appraisal, we may txNea what ie lcnavn as 'nonpublic personal infannffiion" about you. This intortnetiort is used fo facilitate the servtps that we provide to you and may indude ttre information provided to us by you directly or received by us from odrers with your authorizetlon. We do not dtedose any nonpublte personal in&umeson otrbirwd In the course of our engagement wtth our olienti to nonatTUlat~ third parties, erarept ~ rtetreseary w as required by law, 8Y way of wrempfe, a necaesary disclosure would be to our independent contracboro, and in certain siwasons, to unrelated thud party cdnwaenb who need to krrow hurt information to sestet us in providing appreiead ssrvitres oo you, Ali independent contractors and any third pally oonwbarrts we engage are irtfamep that arty intormattar they see ore part of an appraisal ie to be malntaktad in stria confidence within the Mn. A diecloauro required by taw would be a dtadosuro by us that is ordered by a wort of competent jurisdician with regmd to a legal action to which you are party. We will retain records relatirgf t0 professional services that are have provided to you for a reasonable time so that we are bethrr able to assist yw wiCt your needs. In order to protaa your nonputNic persortai intorrnatlon for unau0+crized access by uiird pertbe, we malntatn pttyNcal, electronic and pracadural safeguards that ottmpiy with our professional standads insure the aaoraily and irrtegrily of your tnformatlon. Pomr 7ACD - TOTAL for'Nirtdows• appraivac softarare fn' a Ice mr>ce, inc. - t •89t1-ALAMOCE _ 3~ TOTRL P.08 n.:,,~%h sires--~ J ~ ~~sa