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Home My WebLink About02-0021 GEORGE L. ELLIS, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW v. . : NO. Od- - .;z I C.;cJ~L ~~ ROSANNA ELLIS, Defendant : IN DIVORCE NOTICE TO DEFEND AND CLAIM RIGHTS YOU HA VB BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take prompt action. You are warned that if you fail to do so, the case may proceed without you and a decree of divorce or annulment may be entered against you by the Court. A judgment may also be entered against you for any other claim or relief requested in these papers by the Plaintiff. You may lose money or property or other rights important to you, including custody or visitation of your children. When the ground for the divorce is indignities or irretrievable breakdown of the marriage, you may request marriage counseling. A list of marriage counselors is available in the office of the Prothonotary, Cumberland County Courthouse, High and Hanover Streets, Carlisle, Pennsylvania 17013. IF YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY, LAWYER'S FEES, OR EXPENSES BEFORE A DIVORCE OR ANNULMENT IS GRANTED, YOU MAY LOSE THE RIGHT TO CLAIM ANY OF THEM. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 (717) 249-3166 NOTICIA Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en Ia corte en forma escrita sus defensas 0 sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion do demanda. U sted puede perder dinero 0 sus propiedades 0 otros derechos importanates para usted. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE P AGAR TAL SERVIClO, VA Y A EN PERSONA 0 LLAME POR TELFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 (717) 249-3166 GEORGE L. ELLIS, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. Defendant NO. O~ - 02.1 IN DIVORCE (l;u~ l '-r-~ ROSANNA ELLIS, COMPLAINT IN DIVORCE UNDER SECTION 3301(c) OR SECTION 3301(d) OF THE DIVORCE CODE AND NOW comes the above Plaintiff, George L. Ellis, by his attorney, Cara A. Boyanowski, Esquire, and seeks to obtain a decree in divorce from the above-named Defendant. upon the grounds hereinafter set forth: I. The Plaintiff, George L. Ellis, is an adult individual who resides at 252 East Crestwood Drive, Apartment B-6, Camp Hill, Cumberland County, Pennsylvania 170 II. 2. The Defendant, Rosanna Ellis, is an adult individual who resides at 11 Walnut Street, Camp Hill, Cumberland County, Pennsylvania 170 II. 3. The Plaintiff has been a bona fide resident of the Commonwealth of Pennsylvania for at least six (6) months immediately prior to the filing of this Complaint. 4. The Plaintiff and Defendant were married on August 7, 1976, in New Cumberland, Cumberland County, Pennsylvania. 5. The Plaintiff and Defendant are both citizens of the United States of America. 6. There have been no prior actions in divorce between the parties. 7. Plaintiff avers that there are two (2) children born of the marriage, neither of whom are under the age of eighteen (18) years. 8. The Plaintiff and Defendant are not members of the Armed Services of the United States or any of its allies. 9. Plaintiff has been advised of the availability of counseling and that he may have the right to request that the Court require the parties to participate in counseling. 10. The causes of action and sections oIDivorce Code under which Plaintiffis proceeding are: A. Section 3301(c). The marriage of the parties is irretrievably broken, After ninety (90) days have elapsed from the date of the filing of this Complaint, Plaintiff intends to file an Affidavit consenting to a divorce. Plaintiff believes that Defendant may also file such an Affidavit. B. Section 3301(d). The marriage of the parties is irretrievably broken. The Plaintiff and Defendant separated on June 21, 2001. WHEREFORE, the Plaintiff prays your Honorable Court to enter a Decree in Divorce from the bonds of matrimony. I verify that the statements made in this Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. ~4904 relating to unsworn falsification to authorities. By; f,~Q.p it:, Ge ge L. Elli~, Plaintiff Date: 1-2-02- Cara A. Boyanowski, Esquire Attorney No, 68736 1029 Scenery Drive Harrisburg, P A 17109 (717) 657-4795 Attorney for Plaintiff ~~ L' -.... 2 - l' - N ~ ~ i<t ...... ....... ~ ~ . "1 ~ ~ () ~ . (> ().. I I ~~ '"-' o c: 0 ?: N iRo:~ ~ -,;.n-, _'..... ? t:7; -,- OJ.." rs.~..: w ~o ~~ c' ::? j:;: c5 --~ ~ ry =< :::> (X> ~ l( -.J .0 ..... CY o -r~')8 .-..'..,;::;..~ ..c...> -,'6 ( ; j :"":.:-iC) .'_,::,;j;.~l (~\ln ~ "'-> ;:J;J -< co c.:: N ~ 2: ::) <:: ':j ~. :)? _.-" :::j "- ~OJ~ -<',,,, 0'.5 (.) {l-.. (,,) I -.. "" _:~ ['"J t.J ~ C ;v ;v )> u; OJ ~ r- Co m ;VI\.) -< '""'(1)'<> ~.. en i ......-o() .......mm o-Zz g]Z~ .i:.~< 0 ......< ~)>~ "" "" Z- 0 -< )>m ~ m ...... en ~ ~ Johnson, Duffie, Stewart & Weidner By: Melissa Peel Greevy LD. No. 77950 301 Market Street P. O. Box 109 Lemoyne, Pennsylvania 17043-0109 (717) 761-4540 Attorneys for DefendlilIt GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLANO COUNTY, PENNSYLVANIA NO. 02-21 CIVIL TERM v. CIVIL ACTION - LAW ROSANNA ELLIS, IN DIVORCE Defendant NOTICE TO DEFEND AND CLAIM RIGHTS You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take prompt action. You are warned that if you fail to do so, the case may proceed without you and a decree of divorce or annulment may be entered against you by the court. A judgment may also be entered against you for any other claim or relief requested in these pages by the Defendant. You may lose money or property or other rights important to you, including custody or visitation of your children. When the ground for the divorce is indignities or irretrievable breakdown of the marriage, you may request marriage counseling. A list of marriage counselors is available in the Office of the Prothonotary at the Cumberland County Courthouse, Carlisle, Pennsylvania. IF YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY, LAWYER'S FEES OR EXPENSES BEFORE THE DIVORCE OR ANNULMENT IS GRANTED, YOU MAY LOSE THE RIGHT TO CLAIM ANY OF THEM. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOWTO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 Telephone: (717) 249-3166 I Johnson, Duffie, Stewart & Weidner By: Melissa Peel Greevy LD. No. 77950 301 Market Street P. O. Box 109 Lemoyne, Pennsylvania 17043-0109 (717) 761-4540 Attorneys for Defendant GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 02-21 CIVIL TERM v. ROSANNA ELLIS, CIVIL ACTION - LAW IN DIVORCE Defendant ANSWER AND COUNTERCLAIM IN DIVORCE UNDER SECTIONS 3301(c) OR 3301(d) OF THE DIVORCE CODE AND NOW, comes the Defendant, Rosanna Ellis, by and through her attorneys, Johnson, Duffie, Stewart & Weidner, and answers the Divorce Complaint and avers as follows: ANSWER TO COMPLAINT IN DIVORCE 1. Admitted the Plaintiff is George L. Ellis. Defendant is without sufficient information to form a belief as to the truth of Plaintiff's address. 2. Admitted. 3. Admitted. 4. Admitted. 5. Admitted. 6. Admitted. 7. Admitted. 8. Admitted. 9. Denied. Defendant is without sufficient information to know what Plaintiff has been advised. 10 A. Denied. Defendant is unwilling to admit at this time that the marriage is irretrievably broken. S. Denied in part. Admitted in part. Defendant is unwilling to admit at this time that the marriage is irretrievably broken. However, Defendant admits that the parties have been separated since June 21,2001. COUNTERCLAIM COUNT II EQUITABLE OISTRIBUTION 11. The Defendant incorporates herein by reference, the allegations set forth in Paragraphs 1 through 10 inclusive of the Complaint as if the same were set forth herein at length. 12. The Plaintiff and Defendant have legally and beneficially acquired certah real and personal property during their marriage. WHEREFORE, the Defendant respectfully requests that your Honorable Court equitably divide all marital property. COUNT II SPOUSAL SUPPORT ANOIOR ALIMONY PENDENTE LITE AND ALIMONY UNOER SECTION 3701, SECTION 3702 ANO SECTION 3704 OF THE DIVORCE COOE 13. The Defendant incorporates herein by reference, the allegations set forth in Paragraphs 1 through 12, together with Defendant's answers thereto are incorporated by reference. 14. The Defendant is unable to sustain herself completely during the course of litigation. 15. The Defendant lacks sufficient property to provide completely for her reasonable needs and is unable to sustain herself through appropriate employment. 16. The Defendant requests the Court to enter an award of spousal support and/or alimony pendente lite until final hearing and there upon to enter an order of alimony in her favor pursuant to Section 3704 of the Divorce Code. WHEREFORE, the Defendant respectfully requests that this Honorable Court enter an award of spousal support or alimony pendente lite until final hearing and alimony thereafter. COUNT III COUNSEL FEES, COSTS ANO EXPENSES 17. The Defendant incorporates herein by reference, the allegations set forth in Paragrap,s 1 through 16, together with Defendant's answers thereto are incorporated by reference. 18. The Defendant has retained an attomey to represent her in this action and has agreed to pay a reasonable fee. 19. The Defendant is not financially able to meet the expenses and costs involved in connection with this action, or the fees to which her attorney will be entitled in this case. 20. Reserving the right to apply to the Court for temporary counsel fees, costs and expenses prior to final hearing, Defendant requests that after final hearing, the Court order the Plaintiff to pay Defendant's reasonable counsel fees, costs and expenses. WHEREFORE, the Defendant respectfully requests that your Honorable Court enter an award of counsel fees, costs and expenses as are deemed reasonable and appropriate. Date: May 6. 2002 JOHNSON, DUFFIE, STEWART & WEIONER Jesa.t~ Melissa eel Greevy , By: ,156824 VERIFICA TION I, Rosanna Ellis, verify that the statements made in thil Answer to Divorce Complaint and Counterclaim are true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are made subject to the penalties of 18 Pa. C.S.A ~4904, relating to unsworn falsification to authorities. ~/; /01--- . ~~ Date: Rosanna Ellis CERTIFICA TE OF SERVICE AND NOW, this 6'" day of May, 2002, the undersigned does hereby certify that she did this date serve a copy of the foregoing Answer to Divorce Complaint and Counterclaim upon the other parties of record by causing same to be deposited in the United States Mail, first class postage prepaid, at Lemoyne, Pennsylvania, addressed as follows: Cara A. Boyanowski, Esquire Daley Law Offices 1029 Scenery Drive Harrisburg, PA 17109 (::) /V't \t-i' ;..0 ...z:: ...0 ...... ~ ~ ....... ~ iQ .l: h D C liv r ~ J-r< ~ #'1 o ~: "1'") (::~; n'ir'" ;~:J ~--[ CS' . ,.,<~ .-- !;: c,; ~C .._-(".) )0.(: -~::> ::3 -, , , c.) ,...,) C) -'1 . , :"1: )",:'r.. .~ ~ -< Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 02-21 CIVIL TERM GEORGE L. ELLIS, v. CIVIL ACTION - LAW ROSANNA ELLIS, IN DIVORCE Defendant ACCEPTANCE OF SERVICE I, Cara A. Boyanowski, Esquire, attorney for Plaintiff, George L. Ellis, hereby accept service and acknowledge receipt of the Answer to Complaint in Divorce and Counterclaim filed on May 7, 2002 by the Defendant in the above-captioned divorce action, I certify that I am authorized to accept service on behalf of Plaintiff. B Cara A. Boyano ki Attorney 1.0. # Lo<6=13~ 1029 Scenery Drive Harrisburg, PA 17109 Attorneys for Plaintiff Date: JJa.J.& \~ .2002 :158109 (") c: S "'Ow IT1 rn :z. ::I.;, ZC:. C:!J ";. ~C; ~O "'=0 ~C ~ - o N ::J: :r:>>> -c 0'- ""0 :u:: ~ c..n (.;l o -n :.,.:1 ;';':-,,;:.; .~l'"\1 ':'jO "J \ :,-40 ~I'S~ 1';70 Om --I ~ GEORGE L. ELLIS, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVll.. ACTION - LAW v. : NO. 02-21 CIVIL n:RM ROSANNA ELLIS, Defendant : IN DIVORCE INVENTORY UNDER RULE 1920.33 I hereby file the following inventory of all property own,~ or possessed by either party at the time this action was commenced and all property transferred within the preceding three years. I verifY that the statements made in this inventory are tme and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S.A ~4904 relating to unsworn falsification to authorities. Date:5!zr(Ct( By:~P,L ~ fYorge y. Ellis, Plaintiff ( ) 17. Profit sharing plans (X) 18. Pension plans (indicate employee contribution and date plan vests) (X) 19. Retirement plans, Individual Retirement Accounts ( ) 20. Disability payments () 21. Litigation claims (matured and unmatured) ( ) 22. MilitaryN.A. benefits ( ) 23. Education benefits (X) 24. Debts due, including loans, mortgages held (X) 25. Household furnishings and personalty (include as a total category and attach itemized list if distribution of such assets is in dispute) ( ) 26. Other ELLIS v. ELLIS Date of Marriage - August 7, 1976 Date of Separation - June 21, 2001 Assets Wife's Husband's Master's Notes Value Value Value Real Estate Marital Home: $194,000.00 No mortgage exists on this 11 Walnut Street property. Camp Hill, P A Parties have stipulated to value of property and that Wife will retain this property through equitable distribution. Retirement Assets Merrill Lynch $140,675.03 Account was a roll-over of IRRA (Value of previous retirement account Account No. 872-75277 account as of from prior employer. (Husband) March No deposits have been made to 31, 2004) this account since D.O.S. Merrill Lynch $155,647.17 Retirement plan of present P A Coal Association SEP (Value of employer. Account No. 872-74757 account as of (Husband) March 31, 2004) St. Joseph's School Unknown 401(k) Plan (Wife) Bank Accounts Citizen Checking Account $0.00 Parties closed this account and (Marital Account) divided balance. Citizen Savings Account $0.00 Parties closed this account and (Marital Account) divided balance. MARITAL ASSETS MFS Money Market Account Nominal Parties used this account as an (Marital Account) escrow account for the payment of the real estate taxes on the Marital Residence. Automobiles 2002 Chevrolet Blazer Unknown Loan against vehicle. (Wife) Stocks ATT Unknown Wife has 37 shares of stock. (Wife) E.!. DuPont $45,893.76 Husband has 1,056 shares of (Husband) stock. Last valued on April 28, 2004 at $43.46 per share. E.!. DuPont $159,063.60 Wife has 3,660 shares of stock. (Wife) Last valued on April 28, 2004 at $43.46 per share. Tyco Unknown Wife has 900 shares of stock. (Wife) Acquired these shares pre- marriage. Life Insurance Principal Life Insurance Company No Value. Group Term Life Insurance (Husband) Policy through employer. Provident Mutual Life Insurance Unknown Have loan against policy. Whole Life Policy Combined with Wife's lien, (Husband) about $3,500.00. Provident Mutual Life Insurance Unknown Have loan against policy. Whole Life Policy Combined with Husband's lien, (Wife) about $3,500.00. MisceUaneous Household Goods and Furnishings N/A N/A Parties can agree to the division of their household goods and furnishings. MARITAL ASSETS Gifts Monetary Gifts $10,000.00 Husband transfers all monetary (Husband) gifts he receives from Wife's Parents to Wife. He has performed this action since D.O.S. Annual Stock Dividend Payments Approx. Husband signs all dividend (Husband) $1,500.00 checks over to Wife from his E.I. DuPont stock. He has performed this action since D.O.S. MARITAL ASSETS IAIfINIl 23112101 Pane #1 I REIMAX ReaJty ProfessIonals, Inc ~ s. Grady 921 e__ MIddIetaM1, PA 17057 Client: Rosanna Mananl Ellis 11WalnutStreet C.mpHIII, PA 17011 Re: Property: 11 Walnut Street C8mp Hili, PA 17011-6661 Borrower. CUerlt: Ellis FileNo.: 2311210 In accordance with your request, I have appraised 'OUt above refer8nced property. The report,of that appraisal is attached. The purpose of tills appralsel is to esti'nlte the market value of the property described In this appr8iaal report, as Improved, In unenaJmbered fee slmp4e title of ownel'1hip. This report Is baled on a physical analyals of the site and Improvements, a 1000000nel anally8is of the neighborhood and city, and an economic 8n8'Ylls of the market for properties such as the subject. The .p~11sa1 was developed and the report was prepalld In accordance with the Uniform Standarda of Professional Appntilall~lce. The value conclulions reported are as of the eflectlve date stateclln the body of the reponl and con1lngent upon the certification and limiting condftions attached. It has been a pleasure to assist you. PIea88 do not hesitate to contact me If I can be of Icldttionalaervlce to you. sincanl~. /I ~~.~ Real Estate Appraiser RL 001837 L IFileNo 23112101 Paoe#21 FROM: 1.... S. Gnldy REIMAX Realty Professionals, Inc Llnda S. Grady 921 Ebenezer Road Mlcldletown, PA 17057 T__: (717) 939-7534 Fa""""" (717)939-7535 INVOICE 12110103 2311210 TO: T__: AIImIII........: Fa_ .....: t!IImIIl"",I/: LlndlrC.#: CIilntFl.#: MUlf111,#anloml: OIhllrFlb'anlDnn: FICInIl'ulD: EmpIoyerlD: 2311210 Client Rosanna Mancini Ellis 11 Walnut Street Camp Hill, PA 17011 2311210 Client Ellis Under: Client: ROI8m8 Mancini Ellis PwchIBIBorron': ~Ient: Ellis property Addlwl: 11 Walnut Strut CIty: Camp HDI County. Cumberland L.tgII DeIcrfpIIon: Record Book 28 R I Page 250 ClIent Client: Rosanna liIIlw1ciIl Ellis _PA Zip: 17011-8881 APPRAISAl. ( PAID IN FUll) 300.00 SUBTOTAL 300.00 THANK YOU FOR YOUR BUSINESS SUBTOTAL TOTAL DUE $ 300.00 Form NIV5 - "TOTAl fer Windows' ap~misal software by a la~, inc. -1-800-ALAMODE lildaS.GradyU1n939-7534 IRle No 23112101 Pane #31 lindaS.Grady(717)939.7534 Form GA2-"TOTAL for Windows" appraisal software by a la mode, inc. -l.800-AI..AMOOE UndaS.Gnolyr1n!l39-7S34 IRleNo 23112101 PmlllJ51 Client Ellis su= !"oIIaJ Roport UNIFORM RESIDENTIAL APPRAISAL REPORT fIIoNo. 2311210 11W8lnutStreet C earn Hili . PA zmeuda17011-6i61 RIIl!tV'It Book 26 R J pAlls 250 CdIntv Cumberiand See Tax fdenUftc:8tton Number 'wV_ 2003 2 699.7S 0.00 RmuwIlr Client: 1:1118 J"'_'~ OWner Ellis , ~ nV_ !;. N1A NIA . N Lower Allen Townshlo 1~23-ll555-027 T 0112.00 lWenfSllIl! N1A ."'Iw'" N1A Client: Rosenna Mancini Ellis ArIrhll~11WalnutStreet CamoHDI PA1/'011 linda $. Gradv lrlrhlls477511N1estownRoad Hfi~A17112 lDc8IIln !e!lIIblO ~ Sub_ i=,! Ru," PrIlIclnIMlI A 11IMa"'",' Land_llbmge au. up ~,",,7" 02S-7S. o Under 25. -- f~~) (jIS) Or,"'iy --1!!!L ~ N~lkBIy 0 Uloly '-rOe ORapld ~SIable o Slow ~Owne, 125 Low~2.lfaml~ _ Olnprocess Property'alJesOI"""'Mll ~SIable ODecinlng 0710111I 200 H" 50 Milti.famI~._ 70: _SUPW~,_ ~Inbalance ROverSUPP~ ~~-(O-5%) PredomInant CcmmciBI ....."'Iimo U....,- 1....._ 125-200 25-50 Vaclllt 1ottI: .... end the .... ....,......... ., tile netghlloltload ere not .......... flIlIltol'L ""bahood boundlries BI1d characlerl&tlcs: To the North . West Mein Street. totheSoUlh Is Old Gettvlsbum Pike tattle East Is Route 15 tothe We" 10 We.1ev Drive. -.lhalolfecl" _iIyof~'p"",rtios in~' neighborhood (ProllinllytoOl1~oym" Old UlIIllnlos. .mpkJymolts1oblny, _to morbi, etc.): The sublect is located In Lower Allen TownshiD. Cumber1and Countv. Tvotcal nelahborhood makeuD Is detached stvte homes similar In deslar 8DD88raMce and aDDe81. forthe area Is rated as aoocl. All oubllcamennles are within a short commutlna distance from the. subled. No adverse enects were noted durina the sub eel and nelahborhood InsDeCl:iOn. fhrket coodlions In the subject "borhood (Including supporlforlhe above conclusillls raJaedtoth8trend of property valuBS, demancilsupply, and marbting time - such as dIU 011 ClJlT'Cl8IIIVe propertIBS fer sale In the neighborhood, description mthe prevalence of SDS and fInanCIng concessions, etc.): General market condltiCns 81 the time of this reOOrt are considered averaoe forthls time of vear. There are YIIr10ul woes of conventional and aovemmentallo8n DI'OQrBmS available from transactions. Marketlna time for reasonable Driced Drtll)ertles Is aenerallY 0 - 3 months. Demand end IUDDIY aDD88r In balance for existlna and n8'W build s. __"'PIIDo~"",Hcab.)..."do_,tuide,ilcollrol~~._Owners',Ass_(HOA)? UV" UNo Approxlrnln 100II oombBr of units In the subject project Apptmmale total IIUnDer of units 1m sale in the s. projed Describll common BiBmBnts and recreational faclties: - .26_ Topography S .toRear ...... 11 .328 Sa. Ft. Cmler l.DI 0 Yes ~No S.. Adeauate for Area SpecIIic ZOOIlg classllicalion and description Residential Shop, MostlY Rectanaular Zoolngcompl_ ~lJgaI~OlogaJlIOI1""''1''\~(Gno1~_LEO)OIlIogO DNoZOlling DraiR81le ADoears Adeauate I....." . _LEO 0UlerUS. IsmOlnl View TVDIc8I for Area ..... PubIc Olho, orr-eIIe~.........__.. 7ypo PubUc PrMlo lontls<lI!Ii1, TVDIcaI for Area -Iy ~ """ Aschan ~ 0 Driveway SUrta AsDhall Gas o None GlJr'_ ConcnIIe 0 ~ Apparenl easernens TVDlcaI Utllltv Water ~ S_ None 0 0 FEMAi;pecia/FIoodHazardArea OV" ~No Sonlay ...., ~ Street lights Mercurv Vaoor ~ R FEMA Zone C Mapllato 1/5nB Istonnsewer !XI AImv None I 4203890001A Corrments (appnrtBd'tBrse easements, encroachments, special assessments, side areas, ilegal orlegal nonconforming zoning use, 8I:c.): See Attached General Addendum. There were no aooarent adverse easements .D8d81 asseasments or encroachments noted durinl'l the Ins 'on of the sublectDl'ODertv. GENERALDESCRIPTKIN EXTBlIORDESCRIPTlOH FOUNDATION """'00 INSULATJDN No.mUnils 1 _00 Cone Block Slsb 0% AllaSq.R. 1233 Rool_O No.ofSltries 2 ExleriorWalls BriclcVvt.Alum GlawlSpace 0% % Fil'lbihed 100% CeiJIng~1ZI 7""tDOJAll.) OeI8ched Roof SUrface Flberalass ....- 100% Coning DronT11e Walls~1ZI OosIfln(Slylo) 2 stOIv Gutters & Dwnspts. Aluminum SUmp Pump No Walls Panel fIoor~1ZI -- Exlstlna WmdowType Wd Obi Huna DampllBSs None Noted FkIct Wood None_D Age (Yrs.) 26 Years - Storm Units SeltJ_ Nane Noted Dutsidil Enlry Yes -"'-----'--0 _'" ~rn-' 5.10 Manufactured House No Infestation None Noted ROOMS FM' Uvin On F. Rm. rooms #BsIl1s " Are, ....... 1 1 1 Area Storane 1233 ,-,,,,, 1 1 1 1 .5 1 233 """ 4 2 155. AnlshedarealboYe radecontains: 8 Rooms' 4 Bedroom/s1' 2.5 Bath/s" . 2790 un Feet of Gross Livina Area INTERIOR MalerialsJCorllllion HEATING KlTCHENEOUlP. ATIle AMENmES CAR STORAGE: Roors CmtVVIWdCer / Ava Typ. HTWTR Refrigerator 0 No", 0 ",,"acels)#~~ Non, 0 Walls Drvwalll Ava Fuel Oil RanoolOvon ~ - 0 Pollo__~ - #ofcars TtinV'FInish 3' Wood I Ava ConcIlian Adea. DispossJ ~ DropStU 0 Oeck__~ AltBd1,d 1 Car Bt<hFloor Ceramic VIn II A COOUN6 Dlshwasber ~ Scuttle ~ Pomh__O Doiachod BathWainscot FlberCeramie/Ava Co... Vas Fsr>1ioOO 0 filer 0 Fence__D SUitt-In 1 Car Doorn Hollow Core I Ava Ofhor NIA Microwave ~ Heated R POOI--R Corpart Condttion Adea. WashRr,{lM!r Finished nrhHowav Asoha/t AddIUonalfealures(speclalenergyeffIclenlttems,e1c.): Jacuzzi in master bath water SOftner exoosed lower level. CondiOOn of the improvements, deprBCiation (physical, functional, and external), repairs needed, quality of construction, remodelng/addllions, etc.: There was no functional obsolesence noted durinn the ins....,..ion. The roof Is In averaae condition and shows no 1!I,il'lns of leakinl'l In the Interior. The h sia deterioration Is tVl'lical of the effective e of the subeet. Adverse environmental conditions (such as, blll not imtted la, hazardous wastes, toxic substances, etc.) present tnthe Improvements, on the site, or in the Immediate vicinity of the subject property.: There were no adverse environmental conditions noted durinc the sublect Drooertv and neiohborhood Ins.....-tlon. Freddie Mac Form 70 6193 PAGE10F2 Form UA2 - 'TOTAl for WinOOWs' appraisal saflware by a la rrode, inc. -l.BOO-ALAMODE Fanllle Mae Form 1004 6193 IRleNo 23112101 Pa(le4lS1 Client Ellis UNIFORM RESIDENnAL APPRAISAL REPIORT FlIt.... 2311210 ESTlMATEDSfTE,VAlllE . ...., ....mm....m.. .........uu.u., 1 60000 eanllVllllsonec.tApproo:h(...has,,,"roeDfcoot_,slIe ESTlMATED AEPRllIllJC1lON cosr_.Qf IMPRO\fMENIS; _fool__ and for IIlO, VA Old FmHA, 1110 lOti"""" IIl1l8inIIg Dwding 2790So.fl@1 =1 _ileof1l1o_~: Seo8llllchodbulldln akelchwfth 1233Sq.R. @$ dlmenum~dlU ICtdl'llWl . The eofastructurecreates llances & Extras deficiencies VI the value established wtlh the Cost to Garage/CarpOrt ~Sq.R.@$~= Value.Thli eneral Ieadstolheln8CCll1'II of the Cost TltaI Estlmaled Cost New _ ....nn......___........ .'" $ A to Vaue and leads the cltentto 1m conclusions. Lass Ph)KaI fLI1d1ona1 ExtemaI For this reason a OJ h the Cost roech to O8preclal:ion I =$ Value Is In8 rl8te1 for use In this lsal re ort. Ilopl8cIIHdValJ,ofl_ .umu.u..m.uu..umu..-I 'As-ls'ValJeDfSllBIm_ uu 'U'm..muumu'UUm -I IfDICATEDYALUEBYCOSTAPPROACH ..._.%_hon.... _ ITEM SUBJECT COMPARABlE NO. 1 11 Walnut Street 313GlenclaleDIive I8SS Cam HDJ Shlremanstown 0.43 miles AlI- SaOs Plice of 190 900 CUnmeris 00 Sales ComJlll\SOl1-(i1ck/filgthesub)ecl:property's comp;dlIIllytothenei(,tlblrtlood, eIc.): All sales lire located In th ..a 88 the au ed. The salas uNd are the best &vailable and with ad establish a ood ra of value. Sales 1-3 are located in the Irm1edlate ne hborhood 88 the au however 88lea 4-7 are located futherthan desired but ant more almllar In bulklln 8 uare e. The 8ub was a one dweIIIn that an addition Of-a 2nd floor was added wI'1lch makes the sub ~ much fa rthan homes in the immediate ne hborhood. I feel the estimated market value of 194 000 takes IMn area and location Into consideration. _Plice Dillllldlor VALUE ADJUSTMENTS SlllsorAnancing PoIcI1,PtlJo, 00dI s .e .. Suburban I A FMlSIm Ie 11326S.Ft. T leal for Area 28 IA I lum/Av 26Yea1'5 Avera a :Bdnns: 8 : 4 : 2.5 2 790 R. FRFPLRcRmBth 100%/50% Avera a OHTWTR I Cent SIomI its 1CarAtt/1Cartnte Patio I Deck 2 Fire lace None R&ODVVDs icr 9235 rtJ Data Bank UalIn I _m_ Conv. No Help 100M =7103 8-eJ03 Suburban 181m Fee Slm Ie 8712 .ft. T 1c81 for Area vel I 81m Alum Brick I SIm 37Y rs Avera l 6 : 3 1.5 1764 FamRm, Bath 100% 150% Avera ERAD I Cent Air Storm Units 1 Carl ral P8Ilo F ce Nona R& OW 60.000 COMPARABLE NO. 2 324 Pinewood DrIve Shlremenltown OA6m1les 162900 COMPARABLE tll. 3 329 Somerset Drive $hlnm8nstown 0.47 miles 175000 164 000 ~ . 87.85 rjJ 83.08 rtJ Data Bank Data Bank Llatin ant Wstl ant + - Ad DESCRIPTION + -'$Ad DESCRIPTION +- .. 0 Conv. No Help 0 Cash. No Help 0 0 42DOM 0 129 DOM 0 0 U=81038=10J03 0 U=12102 8=2103 0 0 Suburban I SIm 0 SUburban I SIm 0 0 FeeSI 'a 0 Fee 8im e 0 +500 10890S.Ft. 0 12197 . Ft. 0 0 T leal for Area 0 leal for Area 0 0 S IItLevel/Sim 0 S In Levell Slm 0 0 Alum Brick I 8im 0 Brick Vi ISlm 0 0 30 V.... 0 32 Years 0 0 A a 0 A a 0 0 !dm:Bdnn: ,: 0 :cims: 0 +1,500 7 : 4 2.5 : 0 . 4 2.5 0 +18500 1992 .R. : +14400 1974 .' +14 700 +1,500 Family Room +3,000 Rec Room +3,000 0 100% 150% 0 100% 150% 0 0 Ave a 0 Avera a 0 +3500 GFWA I Cent Air 0 ERAD I Cent Air +3 500 0 Storm Units 0 Storm Units 0 +1500 1 Carl .., '+1500 1 Carlnte ral +1500 0 Deck I Patio 0 Patio 0 +1000 FI ace '+1000 Fire lace +1000 0 In Ground Pool -5000 In Ground Pool -5000 0 R&O Mia'o DW 0 R&ODV\lDs MIcr 0 2. 000 14900 18700 ITEM SUBJECT COMPARABlE NO.1 COMPARABLE NO.2 COMPARABLE NO.3 D81e, PrIce lIl1d Data No transfers No transfers No transfel'5 No transfers Source, for prior sales In the last In the last in the last In the last raisaI 36 months. 12 months. 12 months. 12 months. Analysis of arJY CUJJ8Ii apmeri of sale, 0JRj0n, or listing of sullject properly and analysis of any prior sales of subject and CDmll8l'Bbles within one year of the dale of appraisal: There are no known a reements of sales or 0 Ions attached to the sub ro other than v1d,Mf for In this a ralsal re ort. INDICATED VALUE BYSALESCOMPARISON APPROACH on...____..... 194 000 INDICATED VALUE BYlNCllME APPROACH Itc~1e ell Rent N/A . x Gras RentMu er NlA Tbis applaiSal Is made 'as Is' subjBct tothe repairs, alteratklns, lnspectilns orcon(ltlons listed below subjecttoco~latbnperplans&specifjcalioos. ClrdlIoI1s 111 Appnisal: No reoall'5 reaulred. See General Addendum with lIems noted. This 8DDraisalls mx valid without all of the attached addenda. Filal Reconclllatlon: The Sales Comcarison AoDroach to Value aenerallv indicates the best value for the sub'ec1. ro . The Cast A roach to Value and the Income A roach were considered but are not a ro riate for this a raisal. The PlJlPose of this ap~raisa/ Is to estinat8 the market vakle ofllle real property thai isthesubjectofthlsre~ort, based on the abll1recondllions andthe certllication, con1ingen! and Im/ling cornilions, and mllfket value deflnlUon thai are stated In the lIItached Freddie Mac Fonn 4391FNMA 10nn 10D4B (Revls1ro 6/93 l. I (WE) ESTIIATE THE MARKET VALlJ!, AS DEFINED, OF THE REAl PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 11/28103 (WHICH ISTHE DATE OF INSPECTION AND THE EFFECTIVE DATE OFTHIS AEPORT)TO BE $ 194 000 APPIlA~. I~:.G D):,y . L~ SUPERVISORY APPRAISER (OHLYIFREI3JIRED): SiPMt. __~~ S111nalIJre Name . Grad ' Name Dale ReDClt oned 12/10103 Dale ReDort Sloned stateCeltlllcation# RLOO1837L Sta!ePA Stale Certification 41 OrstateUcens {I Slate OrSta!eUcense# FreddieMacFonn70 6193 PAGE20F2 Form UA2 - 'TOTAL for Windows' appraisal software by a la rood!l, inc, - 1.BOO-ALAMODE Do. DDldNot InspectpropBrty Slat. Fannia Mae Form 1004 6.93 UNIFORM RESIDENnAL APPRAISAL REPI~RT MARKET DATA ANALYSIS IRleNa 23112101 Paae#71 recert proJllIRte Inmost S n n . a, ng -_1D1hoie_a1'lin-E'ths" ."nd~D_. hI I1im.~.CDII1D8iabIs. ~~m'fnID,..",. fmnbIl!I1/lIII,thIlBUbJllcl:properIy,am.(- 1l'I8lB, red_.thlblliiddvu.afthe _ UastJnbtltemlnlbeiluril IS nfenorto,orless _lIss1,ths__,IP!US(+ _._,lhusD:laolillgths_vsIuoallllsOlblOcl ITEM SUBJECT COMPAlWlLE NO. 4 COMPARABI.E NO. 5 COMPARABLE NO. 6 11 Walnut Street 3508 Mallo Road 2844 ViIta Circle 5 Clover Lane earn Hili earn HUI eam Hili Mecti.ncsbu 2.49 miles 2.49 mI6e8 4.05 mile. Vis. 73.04"' Data _, on! """""', Conv. No Help 200M U-4/03 S=6I03 Suburban 181m Fee 81m Ie 148105.Ft. T leal fer Area 2 fA S ItLeveIJSlm Br1ck I AJum/Av Alum Blick 181m 26 Years 36 Years A A. Total :Bdrms) Blfhs T 8:4:2.57:4 2 790 2 422 FRFPLRcRmBth FR. Den, Bath 100% 150% 100% /50% Avera e Avera OHTWTR f Cent ERAD I None Stonn Units Units 1CarAW1Carlnte 1 Carlnt 1'81 Patio I Deck Patio I Porth 2 Fire Fire lace None None R&OD RAO OW AbovoGrsds RoomC<urt : Baths: 2 , R' . ' BasSllllllt&Rnlshod PoIcI1,Palio,llsd<. Ma1altData Analysis 6-93 178900 87.95 "' Data Bank Listin ent + - DE o Cony. No Help o 100M o u..21Q3 8=4/03 o Suburban I 81m o FeeSIrn Ie 024829 .Ft. o T leal for Area o II: 1/81m o Alum Brick I 81m o 43Yaars o Avera e o cUI :Bchns: Baths +1,000 8 4 2.5 +6 600 2 200 +1,500 RecRm, Bath o 100%/50% A . OHTWTR I Cent Storm Units 2 Car Attached Patio I Deck. 2 Fire lace In Ground Pool R& OW ois +- Fonn UA2.(AC) - "TOTAl for Wmdows' appraisal saflware by a Ia mode, inc. -1.800.AI.AMODE 193 500 o o o o o -1000 o o o o o o o ,,10800 +1,500 o o o o o o o -5000 o 6100 71.6 r/J Data Ben, L_ n1 DESCRIP1DI Conv. No Help 9B DOM U=10102S=1202 8ubUrban 181m Fee 81m 161188. Ft. T IforArea 2810 181m VI 1/81m 28 Years A . T"" '8 6 4 2.5 2583 .Ft Office, Bath 100% 150% A . OFWA I Cent Air Storm Units 2 ,Car I ral Deck Non. Non. R&OOWDa 185 000 + -$ I. o o o o o o o o o o o o o +3700 +1,500 o o o o o o +3000 o o 8200 193200 !Fill!lNo 23112101 Paol!l#BI UNIFORM RESIDEmAL APPRAISAL REIPORT MARKET DATA ANALYSIS ......-lDuJ'. 1Il _1h8n.theSl!Jllcl_.mill'(' _.1h8n:the8llljocl_:.plJs(+) ITEM SUBJECT 11 Walnut Street Cern Hili COMPARABlE NO. 9 210000 .76r/J r/J 1lU_ Oat8Bank Uat" en! VALlJEAD.AJmlEJfTS DESC.PIllIN +- .. DESCRI'1lON + "- DESCRIPTION +-$ _ex_mg COny. No Help 0 54 OOM 0 -5103 Sz7J03 0 Suburban 1 Slm 0 . Fee Slm 0 SIe 178608 ,Ft. 0 VJow T IcalforArea 0 IA 2S ISm 0 Brick A1umlAv Alum Brick 181m 0 26 Years 32 Years 0 A II A . 0 -- TotaI:Bdrms: BaIhs :-: 0 TotaI:Bmns: TlUI: Room Count 8 : 4 : 2.5 8 : 4 : 2.5 0 Ana 2790 2847 0 s. 0 S.Ft. Basernenl: & FIIished FRFPLRcRmBth Rec Room +3,000 100% 150% 100% 150% 0 A . Ave . 0 OH1WTR I ent HeatPum 0 Its Storm Units 0 1C1rAtu1Carlnte 2 Cer Attached 0 Pallo / Deck Deck/PatIo 0 2 F" _ Fire I8ce +1000 None In Ground Pool -5 000 R&OOV\lOs MIcr R&O OW Ols 0 + 1000 Dtie,Pri:aandD.. Som:s for prior sales arot . al 36 months. 12 months. Commllnts: Sale #7 helos to SUDDert the values shown in Sales #4. #5 and #6. Marke1 Data All8Iysis 6-93 Form UA2.(AC) - "TOTAL far WlndDws' appraisal saflware by a la molle. inc. -1-80(f,ALAMOOE !AleNa 23112101 Paoe#91 Cllent:EIHs 23 1210 rr;:::::;:;-Address 1"'Walnut~ ~ln r."lIn1v CUmbel1and .....PA 7lnr.nrlll17011~1 r.:::;::- Client Rosanna Mancini Ellis APPRAISAL AND REPORT IDENTIFICAnON ThIIapp_conI1lrmslO lIIIlIlllll*M1g_ 0 CGmpitlB AAnIIIIi (fhe act or process of estinating value, or an opinion of value, performed wiIt10ut Invoking the Departure Rule.) ~ LInIIlld.\pprIJIllIi (The act or process of esIImating value, or an opinion of value, performed Undl9r and resulting fran Invoking the Departure Rul..) 1I1Ie18PClrl1e....of1hefdl_U_: 0 SeIf_ (A written report prepared under Standards Rule 2-2(a) of a Complete or Umlted Ai~pralsal perfonned under STANDARD 1.) ~ Slmnary (A wrttten report prepared under Standards Rule 2-2(b) ofa Complete or LmitedAiP'pralsal performed under STANDARD 1.) 0 - (A Wl1tten report prepared under Standards Rule 2-2(C: of a Complete or Umhed A!Jpra/sa1 performed under STANDARD 1, restricted to the staled Intended use by the speeJfled cI ent or Intended user.) . . Comments on Standards Rule 2-3 I certllythat, to the bestofmykrtowle<<lll and belief: DThestalementsoffactconlailedllthisreportaretrueandamcl. o The reponed analyses, op/nICIls, and conclusions IIIlIImled oldy by the reported assuQ1lllons and Umling conditions, IIld are my persooal, Impartial, and unbiased _ioo._.",ilklnsend~loos. D I have no (crthespecllled) present crprospectlve Interest In the property thai Is the subjllCt of this repor1,andno (orthe specilJedj personal IIIlIrestMlh respecttoth e partiesilwlved. D IIIave noblBs with respecl:tothe property thai is the sllbjectofthis report orthllpdesJrwolved wiII1this 855Vlment. o My_ illhlsass9menlw" not _"upon deveklpklg orrepoltillll Pf8(iOlermirod""'. o My c:ornpensiDll for completing this assignmenl Is rKt cordi1genlupmtbedeveloJmentorreportiJgd apredstem1i1ed value ordlrectioolnvUlll1hal:lawnthe cause of Ihe client, the lIl11lllnt of the value oplAlon. the aItalnment of a stiplllaled result, orthB occurrence ofasubsequerimntdirel::tJyrelaledtothB ittended useof'dlls appnisaI. o My w/yses, opIrDis ancI conclusions were llev8qJed and 'dI1s report has been ~pamd, in conflmily Will 'die unronn stlrll:\ns of ProIessional ApprEal Practice. D I have (or have not) madeapersonalllspectioo oflhe prqlIlItythal: IsthB sub.lectoflhls replIl o No lJ1lI prtwIdeds9dficant real property apPlBisal asslstanCllto the person signing this certIlic3lon. (Il there are exceptklns,the name of each irdviWal proykIngsignllicant IQIPlOpertyappralsalasslstlllcenwstbestaled.) Comments on Appraisal and Report Identification Note any departures from S1lIndarllo Rules 1-3 and 1-4, plus any USPAP...lated losues ,""ulrlna disclosure: APPRAISER: . ,A-A~ SUPERVISORY APPRAlSltR (ani, If required): Signatu.: ~!-{ rt:;J(. Signature: Name: Linda . ra Name: DaleSiglllld: 12/10/03 . Dale Si{.wled: State Cel1ilicalion #: RL 001837 L StaleCertifx:ation#: orSt:atll Ucense #: a Stale I..ic!nso #: state: PA Stale: Expiration Dale of Certilicalion or License: 6/3012005 Explralion Datil of Certlficatlon or license: DD~ o DidNol InSpeclflroperty lindaS.Grady(717)939.7534 Form 105 - 'TOTAl tor Windows" appraisal soltwar8 by a Ia mode, inc. -1-800.AU\MOOE IReNa 231121otPAOe#101 DEf.IITIDI Df MAIllET VAlUE: The ""'. _ble price which 0 pro_ should bling In 0 """P8IltiV8 ond opo, market underaH conditions l'8quillle to e fair 181e, the buyerancl MIler, each acti'Ig prudently, knowIedgl!NIbly and UIUlTIIng the price Is not affected by undue atlmukls. Impllcl fl this deftnllton .. the COf\SUmmatlon of a I8Ie as of . apectlled dCe WId the palling of tJtJe from Hiler to buyer under condlUons whereby: (1) buyer and HI!erare typlc8lly motMded; (2) both PIlIrtlel Mt weD InformecI or well, advised, end each 8Cti1g In what he considers his own best Intere8t; (3) a reasonable time is allowed for exposure in the open market; (4) payment Is made in terms of cash In U.S. dollln or In terms of ftnancill .....ngementa comparable thereto; and (5) the price represents the nDrmllI conlkHntlon for the property IOJd un8lfected by.speclal or autIve flnanmg or..1ea conceuions. gnlnted by anyone asaocI8ted with the llle. *Adjustments to the comparables must be ,made for special or creative financing or sales OOllceulons. No BCIjullments ere necesaary for tho.. costs which ere normally P8IcI by sellers .s . result of tI8d1t1on or law In a market 8/'88; these costs are readily 1d8'ltlft8ble since the seller P8Y8 these costs In vitually ail sales transactions. Special or creative flnancilg adjustments can be made to the comp.-able property by comparisons to financing terms o1l'entd by a third party Inatltutlon~ lender that is not already Involved iii the property ortransac:tlon. Any 8djustment should net be calCUlated on a mechanical dollar for dafter cott of tne fInan:cIng or concession but the dollar amount of any adjustment should approximate the market'. reactlon to the fiIlancilg or concessions baled on the appraiser's judgement. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION COITING!IT ARD UMJlING CONDITIONS: The aJ)Pnllser's certification that appears In the appraisaJ report Is subject to the foUowlng conditions: 1. The appraiser will not be responsible tormatlers of a legal nature that affect either the property being appraised orthetJtIe to It. The IpprelHr aaeumes that the title Is ,good and mar1telable and, therefore, will not render any opinions about the title. The property Is appraised on the basis of It betng under responsible ownership. 2. The appraiser Ilas provided a sketch il the appraisal report to show approximate dimensions or the improvements and the.sketch Is included only to assist the reader of the report In v1sualimg the property and understanding the a"pralser's determination of Its size. 3. The appraiser has examined the available floocI maps that 8'8 provlQed by the Federal EmerglllRCy Management Agency (or other deta sources) and has noted In the appraiaal report whether the subject site Is IocatecIln an IdentHied Special Flood Hazard Area. Because the appraiSer Is not a surveyor, he or she makes no guarantees, express or Implied, reg&lrdlng thls.determlnatlon. 4. The appraiser will not give te:stlmony or appear In court because he or she made an appraisal (lfthe property in question, unless specific arrangements to do 80 have been made beIor8hand. 5. The appraiser has eatimaled the value of the land In the cost approach at Its highest and best use and the improvements at their contrIbutofy value. These separate valuations of the land and Improvements must not be used in conjunction with any other appraisal and are invalid lfthey are so used. 6. The appraiser has noted .In the appraisal report any adverse conditions (such as, needed repairs', depreciation, the prlllllllnce of hazardous wastes, toxic substances, etc.) observed during the inspection otthe subject property or that he or she became aware of during the normal resuret. ilvolYed In performing the appraisal. Unless otherwise stated In the ap,pralsal report, the appl8lser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental condHions (Including the presence of hazardous wastes, toxic substances, etc.) that 'WOUld make the property mont or less valuable, an(1 has assumed that there are no such conditions and makes no guarantees or warranties, express or Implied, regarding the condition of the property. The appraiser will not bE responsible for any such conditions that do exist or for any engineering or testing that might be req:LlIred to discover whether such conditions exist. Because the appraiser Is not an expert in the field of environmental hazards, the llppraisel report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the Information, estimates, and opinions that were expressed In the applralsal report from 80lJTCeS that he or she considers to be reliable and believes them to be true and correct. The apprataer does not allLlme responsibility for the accuracy Of such Items that were fumlshed by other parties. 8. The appraiser will 'not disclose tile contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Pr8cI:ice. 9. The appraiser has based his or her appraisal report and valuation conclusion for an appraIsal thllt Is subject to satiSfactory completion, repairs, or alterations on the assumption that completicn of the improvements will be ptll'formed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the Iender/client specffied In the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and profeaslonal designations, and references to any professional appraisal organizations or the f1nn with which the appraiser Is asSOciated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage Insurer; consultants; profel8h:mal appraisal organizations; any state or federally approved fJrlanclal Institution; or any department, agency, or instrumentality of the United States or any state or the DIstrict of Columbia; except that the lender/cllent may dlstrlbute the property desaiption section of tile report only to data collection or reporting servlce(s) WIthout having to obtain the appraiser's prior written consent. The appraiser's v.Tttten consent and approval must also be obtained before the appraisal can be conveyed by anyone to the publiC through advertising, public relations, news, sales, or other media. Freddie Mac Form 4396-93 Page1of2 LindaS. Graliy (717)939-7534 Form ACR OEFD - 'TOTAl fot WindowS" appraisal software by a Ia mode, inc. -1-8DD.AlAMODE Fannie Mae Form 100486-93 IRleNo 23112101 Paca#111 APPRAISER'S CERTlfICATlOR: The eppraieer _ and .U.... that: 1. I have reaearched the subied market area and hive selected a minimum of three recent sales of propertles most .1mIlar and proximate to the ....bject property for CClMIder8tJon In the sales compariIon analyals and have made a dollar ad).lltment when apPf1)J)l'i8te to reflect the IMrUt reaction to thoee Items or signlflclnt V8MU0n. If a .lgnlflclw1t Item h a comp8rab1e property Is superior to, or rTlOfe favorable than, the ....bjed property, I have made a negative 8djustment to reduce the adjusted llleI price of the comparable and, If a .tgnlfkart Iem In accmp8l8ble propertyts Infer1orto, or )us favorable than thlt subject property, I have made a positive adjustment to lnaease 'die adjusted aa1es price or the comparable. 2. I have liken Into consideration the factors thai have an Impact on value 10 my devei)pment of Itm estimate of market value In the appraisal report. I have not knowingly withheld any significant ilformation from the appraisal report ;Ind I believe, to the best of my knowledge, that all ttatements and Information In the appraisal report are true and correct. 3. I stated In the appraiul report only my own perIOllal, unbiaed, and professional analysis, opinions, and conclu.ions, which are subject only to the contingent and IImltlng conditions specified in this fonn. 4. I have no present or prospedlve Interest In the property that Is the subject 10 this report, and I ha,,. no present or prospective personal Interest or bial with respect to the participants In the lrw188dion. I did not base, either partially or comJ>>etely, my analysis andIorthe eatim8te of market value In the appraisal report. on the race, cc>>or, religion, sex, handicap, familial atetus, or national origin of etther the prospective owners or occupanta of the subject property or of the present ovmer8 or occupants of the properties in the vJclnity of the subject property. 5. I have no present or contemplated future Interest i1 the subject property, and neither my cuJllll'lf. Clr future employment nor my compenl8tlon for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetennlned vak.le or direction in value that favors the cause of the client or any related party, the amount of the value esttmate, the attainment of a specific result, or the occurrence of 8 sublequentlMlnlIn orderto receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report orl a reQuutecl minimum Valuation, 8 speclflc valuation, or the need to approve a specific mortgage loan. 7. I performed 'diis appraisal i1 confonnltywlth the Uniform Standards of ProfeNlonaJ Appraisal P,.::tice that were adoptecland promulgated by the Appraisal Staldan:ls Board of The Appraisal Foundation and that were In place liS of the effective date of this apprailal, with the exception of the dep&rtureprovlsion of those Standan:la, which does not apply. llteknowIedge that., estimate of a reasonable time for exposure In the open mar1<et Is a condltlon in the deflnlUon of market value 8fId the estimate I developed Is consistent with the Il1IIrketlng time noted In the neighborhood section of this report, unless I have otherwise stated in the reconclUatlon section. 6. I have personally Inspected the Interior and exterior 8t888 of the subject property and the exterior of all propert-.listed as comparable8 In the appralsal report. I further certify that I have noted any apparent or known adverse conditions In the sub.leCt improvements, on the subject .Ite, or on MY site within the irtlmecUate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions In my analysis of the property value to the extent that I had market evidence to support them. I have also cbmm8nted about the effect of the adverse conditions on the marketability of the I;ubjecl property. 9. I personally prepared all conclusions and opinions about the real eState that were set lorth in the lippraisal report. If I relied on significant profeaslonal 8881stance from any Individual or lIidivlduals In the perfonnance of the appral!lal or the 'preparation of the appraisal report, I have named such Indlvldual(s) and disclosed the specific tasks pe.rformed by them In the reconclliatlon section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any Item In the report therefore, If an unauthorized change is made to the appraisal report, I will ulke no responsibility for It. SUPERVISORY APPRAISER"S CERTIFICATION: II a supervisory appraiser signed the appn;llsal report, he or she certifies and agrees that: i directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifICations numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 11 Walnut Street. Came Hili PA 17011-6661 APPRAISER: Si""'~~pt Name: "';- Data Sp: 2/10103 . Statll Cerllficallon #: RL 001637 L orStataUcense#: State: PA Expiration Dale 01 Ce1lllicaOOn or Ucense: 6J3OI2OO5 SUPERVISORY APPRJI.ISER (only If requlrod): JJ,,, Signature: Name: O"Sp: S~Certlflcalioo#: Dr State lIcellS6 #: Stale: Expiration Dale of Certification Ol'license: ODic! o Did Not InSpE!ctProperty Freddie Mac Form 4396-93 Page2of2 Fannie Mae Form 1004B6-93 Form ACR_DEHl- 'TOTAL fDrWindows' appraisal software by a la mode, inc. -1-80D..ALAMDOE IFlleNo 23112101 PaoB#121 MULTI-PURPOSE SUPPLEMENTAL ADDENIIUM FOR FEDERALLY RElATED 1RANSACTlOI~S ll1da~GAdymn939.7534 _/CI""ClIont:EIIls Adliess 11 WailutStreet Carn Hili Lender Client: ROIIfln8 MancIni ails Cumber1and SlaIe PA ZiP Code 17011-6661 This MltI-Purpose ~AddendumforFederalIy ReIlHdTransaclIons was desi(.ulto provldllthe appraiserwllh 8 convenl8llt Ufto comply wllhlhe CUlTllnt appraisal sl8ndlrds 8Ildrequtrementsttthefederal DeposItlllSUlBllce CorpmliOll (FDIC), the OIficeof1he CompIroIerofCmncy (oce), The OffIce aflbrtfl: SUpervlsionllm).tI1eResdLdlmTIIISICIJqiIRioo(RTC),andlheFedoralResOlW, nil Maltl-Ptl"... SUP........ntat A......ulR Is f.r uu with .ar .ppl'llllllll. Only th.... ........d:s which IumI b.en necked by tII. .pp....r .pply to the propertiy b.lng .ppllllsed. 0 PURPOSE" fURCTIOR Of APfRAISAL The plfPOSe aI the applllsalls to elitRAD the marbt value aI the subject property as defined hanlin. The function althB iiPPralsalls to assist the aboYe-named lender In evaIuatk1gthe subject propertyfarlendllPJ purposes. lblsJsa1ederallyrelatedtransaction. 0 EXTEIIT Of AfPRAISAL PROCESS ~Theappralslllsbasedlllthe~n_hel9dbylhllappralserfrompublicreconls,olherlddlledsources,Jllilp8ctkmalthesub;ectpropertyand nei;Iborhood,andseledkJnolcornpaniJlesaleswllhlnthesutJ;eclmarket8/'8a The atllnal source althe COll1larables Is SOO'Ml In the DalaSource sectlon oIthema1lJl:grldallJ1gVlilhlhBsourceafcadlmalkJn,lfavalable. lbe orlginal source Is presenledfirst TheSOlJrc8slllddl:anconsldeledrellable. When conflicting information was prtMded, the source deemBd most reliable lias been used. Data blIlieved to be U~If1IUable was nd: included in the reporloor usedasabaslsftrthevaueCOlllilsion. o Th'R_CD5I.....,., Marshall & Swift s~plemenledbytheappraise(sllnowledgeofthelocalmarkel ~PhysicaldepreclalloolsbasedonthBestimiedeff8ctlYeageolthesliljectprqJBrty.Functional8nlVorextemaldeJJrecIation,lfpresent,lsspeclflC8lly lIkiessed in the appralsal report or lbraddenda. lf1est1mari1gthes/levalll8,theappralserhasreledonpersonalkoondgeofthelocalmaJiel This knowIedgejsbasedonprorllllVcrcurrent:anaysisafslesales8l1tVorabstracllJnafsllllvalues1romsalesof~tJVed~erties. ~ The subject prqJBrty is Joca:ted in an area of primarily owner-occupied single family residences ~ the Income ApprDach is nd: consklllred to be meaningful. fa' this 1e8SOI1, the Jncane Approach was nri used. o The Estimated Market Rent and Gross RenI Mu~ier utiIzed in the Income A~ are based on the appraIser.s koowledge of the subjectmarke1area. TherentalknowledgelsbasedOllpri[J8I'llWorCUl11llfrenlalralesurveysalrasldentialpropertles.TheGrossRent.lulUpIlerisbasedonpri[JarQ/a'current ana/ysisofprlceslWldll1llketratestorresldeldialpropertles. 0 For income plDliK:i1g Pf'q)BI1les, aclUaI rents, vaCMCles and expenses have been reportBdand~d. They ~l been used to project future rents, vacancies"d~s. 0 SUBJECT fRDPERTT OffERIRG IRfORMATIDR Ao:cmngto owner , lhestdJ~ct,_ i:8:l hKnnthMnllffRTRdtorsal8inthepast: 030day' O'1'ar 03""" Di!:clllJl!nlfydferedfirsale1orS O_lorsalewllllntl1epasl: o 30 days O'year 031''' torI o OI1eriYJinlormatlonWlt~r.on~idllrRrlinthefinalreconclllallonalvalue. 1RI0000000gIl1tom'latilJ1Wll'1nntcnn~rRrllntheflnalreconc/Ualionofvalue. o 0fferiJg Infonnallon wa~ Mt 2v:dlahlll. The reasons forunavallablily and tile steps taken by the appraiser are explained later In this addemkJm. 0 SAlES HISTDRT Of SUBJECT fROPERTT Accordngto Dubllc record the sub;ect property: I8l Ha~ nnllr3nsferred o lnlhepasttwelvemonllts. 0mlhepaslthOly'''''''''''', Dlnthepasl5year:;. o Ha~tranllfP.rred Dinthepasttwelvemnths. O.lnthBpastthbty-sixmonths. Dilthepa&t5yeam. D All prior sales whlch haYeocclllllld In the past are listed below and recOl1ciledto1he appraised value, etthErintbebodyofthereport[Jlnlheaddllnda. 1- SIII.-Prll:. Documantll Saller lam I 0 FEMA FLOOD HAZARD DATA i:8:l Subject property is..nlIt..lllcain a FEMA Special Flood Hazard Area. o Subject property .Is...klcDlln a FEMA Special Rood Hazard Area. I .1on. FElla Map/h...lll lIap Data llama uf CGannunlty I Ie 4203690001A 1I5f79 Lower Allen TownshlD o The communly does nn! Mrlir:inlllp. in the NaIlonal Rood Insurance Prowam. C8J The convnunlydOllllnartlr:inlllp.inlheNationalFlood InsllranceProgram. ISIl1iscoveredbyamgula[program. o II is covered by an mnanJllW. program. Pagelof2 Form MPA3 - "TOTAL fur Windows" appraisal software by a la mooe, inc. -l-800-AI.AMOOE IRll'INo :13112101 Paol'l#131 ~ CURUIIT IA1.ES CDIITRACT . ~ 1heSldlj8Cl:proparlyisalll'llllllvnnf.lIIIIIArr:onlract, o 'fbeccnractnl!orllSCfOWinstnK:tQJsWlll'lllllWlMlIlllIMto!'l'lII/iIJw ThBunavaImlllyoflhllcoolractlsexplai1edlat8rlntheaddBndasecllon. DThBClIllracI~escrowlnstruclillJsWl!hJrllllilllIIldTh8fo11owi1gSUrnnwizesthllcootract: 10....... - ........... .... eontNDI Prill. ...,,, I o ThecmtracllndlclltedNpersonaIpropertyWllGnntlnt:blflP.dlnthesale. o The__ll18l__rty_.flcons....ar o Pel5ona1 property WlI!: nrtllcllldMl In tI1efinal VllIlIB estimate. Eslimal8dconlribulolyvalllBis$ o Po_property__1h.fl"'__. o ThllcootracIhlicaIednofinandnnClllllllllllinn!;OI'mt1erincenli'tes. o Theconllacl:lndicaladthllfnl~mn~on!;orincentlves: o If COIlCeS_ or inc8ntlves IiJdst, the compaJlbEs W8f8 checked for simIar coocesskms and appropriate .qustrnerts were made, if applicable, so thatthBlinaIY8IuBconckision Is n comp/il1ce 'dtlthe MarbtVaIue defiled herein. ~ MARIlET OVERVIEW ncudeanapllnldanCJIcurrenl.ut~lIldtnndl. 0.'3 IOOIIIhsls cooskIered a reasonable mark8tlng period forthe subject property basllllon current market conditions ~ ADDITIONAL CERTIPICAnDN The Appraiser certifies md agreesthat (1) Theanatyses,opkllonslllllconctusioosweredeveloped,anllthlsreportwaspr8pll'lld,inconformitywilhtheUnltnrmstalldardsafProtesslooal __. ('IJSPAP')._ll18llheilepaJlu. Pl1llisionaflheUSPAP"'notlllJll~. (2) TheirCtll'lJlllnsatioo is not contingentuponthe reporting ofpredeterrnlnedvakle ordirBctioo II vaklathal:taVll'Sthe cause oftha cUent, the amourd ~the-esIinaI8,1he8llalnmentofastlpulldedresul,orthlloccunenceafa~B'I8IIl (3) This lIfII!f8isaIassIgnment was ID based on a requested millmum VIIIuatlon,aspecffic vUl6m, or tha approval cd a loan. ~ ADDITIONAL lENVIRDNMEIITALl UMITIND CONDITIONS The vak/e estimUIls based 111 tOO assumpOOn thalthe property Is IIlJt negatively affected by the existence of hazardous substances or deIrImenlaI envirormental COIllIions DJSS IihetwisestUd In this report. The appraiser is lid: an 8Xpel1lnthe k\enIIficaion of hal.dous sltlslances ordetrlmerial enviunmelUl cordlIons. The appniser's mila Inspection of and lnquh9s llI:lcd the sutJtsct property did not develop .,y Intamation that iIcIcaIed anyapparents~hazardous substances ordelrirnental8f'lVformental cllldlklllS whlch wouldaff8ct1he IIDIJBItY 1~lIOIiiYeIytnesSdh&rwisestaled inttis repaI. II is possllletiatests IIld Inspections made by aqualified hazardous substance and IllIYIronmental exp&I~would reveal the llXistanceof hazardous substances II detrill1llntal envin:lnmerU1 c:ordIons on orlll'Ollldlhe property thai wooIdnepiYelyaffecl: lis vakJe. 0 ADDITIONAL CDMMEIITS ~ APPRAlSER'S SIDNATURE & UCENSE/CERTIFICATIDN AwniS"S~~ .91. ~ 11/28103 DalePrepared 12/10103 Appraiser's Name ( . L1ndaS.'Gradv PhOl1e# 717~~;9-7534 Slsls PA o Ucense ~_""on# RL 001837 L Tax 10 # 0 CD-SIBNING APPRAISER'S CERTIFICAnDN o The co-sIgning appraiser hll~ IW!:I]nallll mllflr.tf!d the subject property, bal~ ilsld! and out, and has macI& an exterilJl' ilspection of all COJl1)II'Ible sales gstedlnthereporl The f8PDrt was prepared by the appraiseruOOerlirectsupervisilll1 of the CO-Slgning apP18iser. Theco.slgningappraiseraCC8~ responslblllyforthe conIenlsOflhereportlncludingll1l1va1ueconclusionsandll1eUmlilgcondillons, and confirms lhattlleceltificali onsapply fullytotheco-slgnngappralser. o The CMigning appraiser hR." mt oArJ:llnallll ill$llAllb!fI the lllleOOr of the subject property and: o ha.o:nrt InsllAlltAd the exterior otthe subject property and all comparable sales listed In the report. D ~thllllXlellototthesublectpmpertyandallcomparablesal&Slistedinll1el'llJlcrt. o The reJlOrl was prepared by the appraiser under direct supervision of the co-slpng appraiser. The co-signing appraiseraccep IsresponsibiUlyforll1e COl1entsoftherepoIl,lncludinglhevalueconcluslonsandthelimlingconiltions,andconfirms1h!lthecertificationsapp!y fully to the co-signing appraiser Mththeexceplionot1he certillcallon regarding physical inspections. The above desc~bes the level ofinspilctlon perfonned byllle CO-591ingappraiser. o The co-si(Jling appraiser's hvel of inspectioll, involvement In the appraisal process 8l1d cerllflcatioo are covered elsewhsll! in the addenda ssctioo of this appraisal. 0 CD-SIDNING APPRAISER'S SIBNATURE & LICENSE/CERTIFICATION Co-Si9rling Effective Dale DalePllIpared Appnllser'sSiQnature Co-8qJilgAppraiser'sName(print) PhDll8# Slsl. o Uc8l1se o Cel1Wicalion# Tax 10 # Page2of2 Form MPA3 - "TOTAL fa Windows' appraisal software by a 18 mode, inc. -1-80D-ALAMOD:E Subject Photo Page r. nt.Cllent:EIIIs 11W1lnutstreet CHIli Client: Roaanna Mancini Ellis Cumberland IFlleNo 23112101 Pa1l1'l#141 PA Z1oCode 17011-6661 Subject Front 11 VValnutStreet Salesflrice NJA Gross LMng Area 2,790 TlUJllocms 8 TlUIlleliooms 4 ToIaI!lathrooms 2.5 locatllJ1 Suburban IAvg View Typical for Area SKe 11,326 Sq. Ft. 0UaJl)' Brick, VyI,AlumfAv Age 26 Years SubJect Rear Sublect Slreet Form P1CPlX.SR - "TOTAl for Windows. appraisal software by a Ia 1llOde, inc. -1.80<>-AlAMODE Comparable Photo Page Borrowe ClientEllfs 11 Walnut Street CIrrI Hill CItent: Rosanna ~cInl Ellis CUmtlertIoId IAleNa 23112101 PaOlI #151 PA liD Code 17011-6661 Compareble 1 313 Glendale Drive Prm.lo SUbjed: 0.43 mlles SaIIt Price 182.900 GrossllmllArea 1,764 TutalBooms 8 TotaIlilIcRloms 3 TotaIllaIhrooms 1.5 LocatiIJI Suburban I 81m VIliw Typical for Area Sie 8,712 Sq. fl.. Quality Alum.Brick/8Im Age 37 Years Compareble 2 324 Pinewood Drive Prox. to Subject 0.48 miles SaI8 Pril:fl .175.000 6rossUIlngA/ea 1,992 Total'Rooms 7 TOaIlloimns 4 TlUIBaltrooms 2.5 locaIIlII SUburban I 8m VIew Typical for Area SIe 10,890 Sq. Ft. 0UaI1ty . Alum,BrIck 181m Age 30 Years Comparable 3 329 Somerset Drive Prox.lo Subject 0.47 miles Sale Price 164,000 GIOSSLMI'lIlArea 1,974 TatalRoollts 8 TotaIBedn:oms 4 TotalBatlw1Joms 2.5 LIX:8tioo Suburban I Sim View Typlcal for Area Site 12,197 Sq. Ft. Quality Brick,Vinyl/8im Age 32 Years Form P1CPIXCR - "TOT At for WrIKbws' appraisal software by a Ia mode, lI1c. _ 1-800-AU\MODE Comparable Photo Pege ient 'ClientEYls 55 1 lnutStreet Hili Client: ~na Mancini Ellis Cumberland PA IFiIllNo 23112101 Paoe#161 Zil Code 17011-6661 Compereble 4 3508 Margo Road Prax. to i)WjeCl 2.49 miles SaI! Price 178,900 Gtoss lMng Area 2,422 TaIaIRomns 7 rOala.dllloms 4 TotiIB8Ihrooms 2 Locallon Suburban 181m VIeW Typical for Area SIe 14,810 Sq. Ft. QualIy Alum,Brlck I 81m ~e 36Yee~ Comparable 5 2844 Vista Circle Prox.toS!j)jecl 2.49 miles Sale Price 193,500 Gross Uilng Area 2,200 TotaIRo:Hl'lS 8 TotaI8eliooms 4 rOal1leJ1Iooms 2.5 LocaIIII1 SUburban 181m VO Typical for Area SIe 24,829 Sq.Ft. Qua1Iy Alum,Brick 181m Age 43 Years Comparable 6 5 CIo\fl!lr Lane Prox.toSubjed Sale Price Gross Ul'ing Ar8a Total Rooms Total Beliooms TlltaIBathroonis Location View Stt. Cuoily Ag. Form P1CPIX.CR - "TOTAl for Windows' appraisal software hy a la mode, klc. -1-80Q.AL.AMODE 4.05 miles 165,000 2,583 5 4 2.5 Suburban 181m Typical for Area 16,118Sq.Ft. Vinyl I Sim 26 Years Comparable Photo Page It Client Ellis . 11 lnulStreet HIli r Client: Rosanna Mancini Ellis Cumber1and IAleNa 2311'101 PaIlIl#171 PA ZlDCode 17011-6861 Comparable 7 201 Fahway Drive Prox. to SIJbject 5.36 miles S8Ie Price 210,000 GrossUviIlgArea 2,847 TllaIRoollls 8 ToIaIBeli"ooms 4 TlUI Balh'rooms 2.6 location Suburban I SIm View Typlcal for Area SIe 17,860 Sq. Ft. Quality Alum,Brick.1 Sim Age 32 Years Comparable 8 PrDK.to SlIbject SaleP1ice GrossLMl'IgArea TotaIRoori'lS TlDfBedn:ioms TlDfBathlooms loceIioo Vow SIe OuoJily Age Comparable 9 Prox.toSubjecl Sale Price Gross LiYiI1gArea Total Rooms Total Bedltl[llJlS Total Balhmoms Locldlon Vow SIe Ouallly Ag, Fonn PICPIX.CR - "TOTAl for WllIOOWS" appraisal saftware by a la mode, Inc. -1-800-AlAMOOE IAleNo 23112101 Paoll#1al . . . .. .. - - ~~ cIortnied.ae.;!denti., App";08r ,; ,., ...",' "\ \..,- ': ~ \;.<: 'i,)_,(~ . ",," ....c, '(,"f ~ ' '~ >, -(, , '.. 'COIttilieawSllltui . ACtIve ,,' . ~, . " " ,: .f' InitloI Cel1lfioatien Dote. O6I22I1BlI4 UNOASGIW>V 4/75l.111GLE8TllWN ROAD lWlRI8BURGPA 17112 Cerlificale NUlnber RUIll1837L .Expiration Dote 06130I2OO5 ? -cLUf Ai ! i' _--a--r-~ - --'j- ~Commilslomof~IllIll~~-: Foon seA - "TOTAl fa Windows' apJIraisal software by a Ia lI'Dde, inc, -1-B00-AL.AMODE IAleN(] 23112101 Pa(]II#191 Bulldln9Sketch (Page - 1) iem elient Ellis . 11Wa ulStreet earn Hili r Client ROSII1na Mancini Ellis eumar1and PA liICode 17011-6661 14.0' 42.5' .5 Beth Kitchen Den 0> Garage 0> gj gj Uving Room Dining Room 14.0' 42.5' 56.5' 14.0' 42.5' '. Bedroom Bedroom Bedroom 0> Integral 0> 0> 0> Basement ~ ~ m Garage m N N Bedroom Beth ~12.5'~ Beth ;: 29.0' 15.0' 14.0' 42.5' - ~ Comments: ,>1AREI\~()ALCUt:ATJONS"SliMMlliRY:' '..'.,"....", '; 4Jl~NG'I'RE('jJ!fl$;~, . >i -eoci.: ~ ,,- ;&Des'j~,:" '1SIZ& .1MRJroliil. '. 'tiBNi.kItoWn,' - -".\$ubtolli.. 0LA1 Pir.t noo, 1232.50 1232.50 I'irat 1'100r 0LA2 SacODd n_ 1557.50 1557.50 29.0 . 42.5 1232.50 .... Ba......t -1232.50 -1232.50 S_oll4 n_ ... lilar.S'a -406.00 19.0 . 56.5 1073.5(] Iutegral -... -406.00 -812.00 ll.D . 29.0 319.00 ll.D . 15.0 165.00 TOTAL LIVABLE (rounded) 2790 4 Calculations Total (rounded) 2790 Form SKlBklSkI- 'TOTAL for WmOOWs' appraisal software by a la 1TIDde, inc. -1-8DI).ALAMODE Location Map IRlaNa '3112101 l>2ae"'OI 8onuwe~ Client: Ellis 55 11 Walnut Street C8m Hill r Client: ROIIMa Mancril Ellis Cumbel18nd PA liD Code 17011-8661 fann MAP.lOC - "TOTAl for WiJoows' appraisal software by a la mode, Inc. -1-800-Al.AMODE ~ ~ tt a , .. I' ~ t ~~ r ii". " ,IJ ~ 1 ! cn'1 i;, c; 3:' , ~l >Oft ~. ;a'1 ! -<; ~ t +111 ~ ~: f o ~ ~ t:!.". " .. " .... -;r g;r ~f 3 ail 0" ~!!. WO .00. - g t ' t ~ r 2 Hi ..,. ~i ::l~ i e! :: - l " f -----' 'I ' .- . ..' .- = :: ~- a . a- -- ~- ~ :- g- ~ - . ~ , , I: ., ~= -- tl_ - iiiiiiOi b ~" '" > j;j II I 0 ... c \11 a ~z ... !' ."i '" > o II Cl 0 '" c ~ a Cl z '" " r- ~ '" r- r- '" -, ) , ~ j.. 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Further, DuPont takes no responslbll supplementing, updating, or correcting any such Information. QU!!ttlChlrtl View daily performance snapshots or compare historical DuPont stock price performance with major indices. Stock Quote DuPont (NYSE: DO) Common SlOc:k; USD 04J2812OO4 as of 10:33 AM ET (20 mlnule delay) Last Trade 43.41 Change -1.06 Volume 1,088,500 Day's Range 43.32 - 44.20 521J1..tlek Range 38..60 - 46..25 The PIE Is 19.16 as of 04/23/04, based on '04 EPS consensus estimate. Note: The stock price performance shown above is not necessarily indicative of future price performa, DlvldendslSpllts Stock dividend and split histories. Sharll"BlIlale.d...D.llt1 Table listings of share-related data. Hll.I!!rl.cIILS.lallllll:l Historical stock prices by date. other Exchange Listings DuPont common stock is listed on the New York Stock Exchange, Inc. (Symbol DO) and on certain foreign ex< DuPont preferred stock is listed on the New York Stock Exchange, Inc. (Symbol DDPrA for $3.50 series and S for $4.50 series). Back to Top Do you have a question, upgrade or comment about this page? Please contact our Investor Center. Thank you for your feedback! tR Pages last updated htto://www.comorate-ir.netJireve/ir site.zhtml?ticker=DD&scriot=11946&item id='stock 1... 04/28/04 . 0 ...., ~ = }~~ c"" -"" :::n: ~:n I-~ ' ;..". -< r: -- N :Bf3 (j' 0" ~~ ;.:~ '<:" -0 >~r ~: ~~~ ::!:': iSM r:-? .-, ::::; Cl ~ =< 0 c<:: GEORGE L. ELLIS, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW v. : NO. 02-21 CIVIL TERM ROSANNA ELLIS, : Defendant : IN DIVORCE INCOME AND EXPENSE STATE,MENT UNDER RULE 1920.31 I hereby file the Statement of Income and Expenses requiired under Rule 1920.31 and verify that the information therein contained is true and correct to the best of my knowledge, information and belief I understand that false statements herein are made subjel::t to the penalties of 18 Pa. C.SA ~4904, relating to unsworn falsification to authorities. Date: 51 z-r/o r . By: ~I.P r: ~ f'eorge If. Ellis, Plaintiff INCOME AND EXPENSE STATEMENT OF GEORGE L. ELLIS INCOME Employer: P A Coal Association Address: 212 No. 3RD Street, Suite 102, Harrisburg, Pennsylvania 17101 Type of Work: Lobbyist Pay Period: Bi-Weekly Gross Pay Per Pay Period: $5,688.00 Itemized Payroll Deductions: State Income Tax $1,445.00 $ 352.00 $ 57.00 $ 159.00 $ 82.00 $3,592.00 Federal Withholding Social Security Local Wage Tax Medicare Tax Net Pay Per Pay Period OTHER INCOME: Expense Account Total MONTHLY S1,000.00 S1,000.00 TOTAL MONTHLY INCOME: 54,592.00 HOME: Rent Maintenance Association Fees and Trash Utilities: Electric Sewer Telephone (Land Line) Water EMPLOYMENT: Lunch TAXES: Personal Property Real Estate INSURANCE: Life PERSONAL: Clothing Food EXPENSES MONTHLY $ 570.00 $ 100.00 $ 64.00 $ 130.00 $ 25.00 $ 50.00 $ 25.00 $ 120.00 $ 10.00 $ 100.00 $ 89.00 $ 150.00 $ 300.00 Barber $ 25.00 Credit Card $ 250.00 MISCELLANEOUS: Paper~ook~ag~nes $ 38.00 Entertainment $ 100.00 Pay T.V. $ 40.00 Vacation $ 150.00 Gifts $ 100.00 Legal Fees $ 100.00 Charitable Contributions $ 50.00 Voluntary Spousal Support $5,000.00 Children's Allowances $1,000.00 Mother's Estate Account $ 125.00 TOTAL MONTHLY EXPENSES $8,711.00 n "" c = 0 = ~, :~-:- ..,. -" r~ , ~... --I -'-~ :C-n -.; rnp:: (,0; N -orn " 0'> :DC[' ~~~~ C) :) 1;-;: :"~1 ( ,;.. C~ :? a+l ):-..:. (:; -.~. C) ~; ~? 2"jrn ~.:- ::--., =< 0 ~J 0 -< GEORGE L. ELLIS, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO. 02-21 CIVIL TERM ROSANNA ELLIS, Defendant IN DIVORCE AFFIDAVIT OF SERVICE, Cara A. Boyanowski, Esquire, being duly sworn according to law, deposes and says that she is an attorney at law duly authorized to practice in the Commonwealth of Pennsylvania, and that on the 1 st day of February, 2002, she did serve upon Rosanna Ellis, the Defendant in the foregoing case, a true and correct copy of the Complaint in Divorce by sending same to her, by certified mail, addressed to 11 Walnut Street, Camp Hill, Pennsylvania, 17011. The receipt for said Complaint is attached hereto as Exhibit "A." Said copy of the Complaint was duly endorsed with notice to Defendant to appear and answer or the matter would proceed without her. Sworn to and subscribed before me this 11.,1-\-\" .~day of ,2004. NOTARIAL SEAL PATRICIA A. PATTON, Notary Public Lower Paxton Twp., Dauphin County M Commission Expires June 20, 2006 B~~ Attorney No. 68736 1029 ScemllY Drive Harrisburg, P A 17109 (717) 657-4795 Attorney for Plaintiff . Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery is desired. . Print your name and address on the reverse so that we can return the card to you. '. Attach this card to the back of the mail piece, o(bn the front if space permits. 1. Article Addressed to: -Rosanna E\ lie:, \ \ WO\IIU~ 3tTw CafY\\J ~\\\ PA \10\\ [] Express Mall [] Return Receipt for Merohandise [) C.O.D. ~ 0IIlvery1 (Extra Fee) ~es 2. Article Number mensfer from SeMCO lebel) 1-00 \ - \ \ 1..\ 0 - cx:o 2 -0 l.\9.]....::.:483::J PS Form 3811. August 2001 Domestic Return Receipt 102595-0t-M-2509 o C' ~;~:f 7':: -~)' ("" fJ~ "i .-<:'^": ~C.- ~~ =2 ...., = = ..<.- o -n s:J nlp -om 61:' ..,0 I'; () :!J :;.......C) i5rn ~~,. I po :n -< ~- :;: -< N c"\ -0 I>? <=> o GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL ACTION - LAW v. NO. 02-21 CIVIL TERM ROSANNA ELLIS, Defendant IN DIVORCE AFFIDAVIT OF CONSENT I. A Complaint in Divorce under ~3301(c) ofthe Divorce Code was filed on January 3, 2002. 2. The marriage of Plaintiff and Defendant is irretrievably broken and ninety (90) days have elapsed from the date of filing and service of the Complaint 3. I consent to the entry of a final decree of divorce after service of notice of intention to request entry of the decree. [verify that the statements made in this Affidavit are tme and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. ~4904 relating to unsworn ticilsification to authorities. Date: _11/f(/D1 BY:~ t cf~ __~_ eorge . Elhs, PlamMf Social Security No. 117. V - ff' y; 'I ~ . GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO. 02-21 CIVIL TERM ROSANNA ELLIS, Defendant IN DIVORCE AFFIDAVIT OF CONSENT I. A Complaint in Divorce under ~3301(c) ofthe Divorce Code was filed on January 3, 2002. 2. The marriage of Plaintiff and Defendant is irretrievably broken and ninety (90) days have elapsed from the date of filing and service of the Complaint. 3. I consent to the entry of a final decree of divorce after service of notice of intention to request entry of the decree. I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. ~4904 relating to unsworn falsification to authorities. Date: I! /11 /171 BY:d:a.~ ~ Rosanna Ellis, Defendant Social Security No. /'19. '-I Ll i;2d 3 . GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO. 02-21 CIVIL TERM ROSANNA ELLIS, Defendant IN DIVORCE WAIVER OF NOTICE OF INTENTION TO REQUEST ENTRY OF A DIVORCE DECREE UNDER &3301(C) OF THE DIVORCE CODE 1. I consent to the entry of a final decree of divorce without notice. 2. 1 understand that 1 may lose rights concerning alimony, division ofproperty, lawyer's fees or expenses if 1 do not claim them before a divorce is granted. 3. 1 understand that I will not be divorced until a divorce decree is entered by the Court and that a copy of the decree will be sent to me immediately after it is filed with the Prothonotary. 1 verify that the statements made in this affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. S4904 relating to unsworn falsification to authorities. Date: II!I, [oi By: GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO. 02-21 CIVIL TERM ROSANNA ELLIS, Defendant IN DIVORCE WAIVER OF NOTICE OF INTENTION TO REQUEST ENTRY OF A DIVORCE DECREE UNDER &3301(C) OF THE DIVORCE CODE I. I consent to the entry of a final decree of divorce without notice. 2. I understand that I may lose rights concerning alimony, division of property, lawyer's fees or expenses ifT do not claim them before a divorce is granted, 3. I understand that I will not be divorced until a divorce decree is entered by the Court and that a copy of the decree will be sent to me immediately after it is filed with the Prothonotary. I verify that the statements made in this affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S.A. 94904 relating to unsworn falsification to authorities. Date: II ~7 /0:1 , By: ~~ Rosanna Ellis, Defendant . " . GEORGE L. ELLIS, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL ACTION - LAW v. NO. 02-21 CIVIL TERM ROSANNA ELLIS, Defendant IN DIVORCE PRAECIPE TO TRANSMIT RECORD To the Prothonotary: Transmit the record together with the following information, to the court for entry of a divorce decree: 1. Ground for divorce: irretrievable breakdown under 93301 (c) of the Divorce Code. 2. Date and manner of service of the complaint: A copy of the Divorce Complaint was served upon Defendant by certified mail, restricted delivery, return receipt requested on February 1,2002. 3. (Complete either paragraph (a) or (b).) (a) Date of execution of the affidavit of consent required by 93301 (c) of the Divorce Code: by Plaintiff: November 15, 2004; by Defendant: November 17, 2004. (b)(1) Date of execution of the affidavit required by 9330 I (d) of the Divorce Code: N/A; (2) Date of filing and service of the Plaintiff's Affidavit upon the respondent: N/ A. . '. 4. Related claims pending: None. 5. (Complete either (a) or (b).) (a) Date and manner of service of the notice of intention to file praecipe to transmit record; a copy of which is attached: N/A. (b) Date Plaintiffs Waiver of Notice in S3301(c) Divorce was filed with the Prothonotary: November 22, 2004. Date Defendant's Waiver of Notice in S3301(c) Divorce was filed with the Prothonotary: November 22, 2004. Respectfully submitted, SERRATELLI SCHIFFMAN BROWN & CALHOON Cara A. Boyanowski, squire Supreme Court J.D. No. 68736 2080 Linglestown Road Harrisburg, P A l7110 (717) 540-9170 Attorney for Plaintiff Cara A. Boyanowski, Esquire Counsel for Husband AGREEMENT BETWEEN GEORGE L. ELLIS AND ROSANNA ELLIS Melissa Peel Greevy, Esquire Counsel for Wife TABLE OF CONTENTS SECTION I Introduction 3 SECTION II: General Provisions 4 SECTION III: Alimony and Alimony Pendente Lite Provisions 10 SECTION IV: Property Distribution Provisions 11 SECTION V: Closing Provisions and Execution 16 SECTION I INTRODUCTION THIS AGREEMENT made this 11~ day Of~ between GEORGE L ELLIS ("Husband") and ROSANNA ELLIS ("Wife") , 2004, by and WITNESSETH: WHEREAS, George L. Ellis, Social Security Number 187-42-5849, was born on October 10, 1950, and currently resides at 611 AJlenview Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055. WHEREAS, Rosanna Ellis, Social Security Number 179-44-8223, was born on January 12, 1952, and currently resides at 11 Walnut Street, Camp Hill, Cumberland County, Pennsylvania 17011. WHEREAS, the parties hereto are Husband and Wife, having been married on August 7, 1976, in New Cumberland, Cumberland County, Pennsylvania. WHEREAS, the parties are the parents oftwo children, neither of whom are minors, namely, Annalisa Ellis, born July 14, 1980, and Matthew Ellis, born April 8, 1983. WHEREAS, diverse unhappy differences, disputes and difficulties have arisen between the parties, and it is the intention of Wife and Husband to live separate and apart for the rest of their natural lives, and the parties hereto are desirous of settling fully and finally their respective financial and property rights and obligations as between each other, including, without limitation, the settling of all matters between them relating to the ownership of real and personal property, the equitable distribution of such property; the settling of all matters between them relating to the past, present and future support and/or maintenance of Wife by Husband or of Husband by Wife; and, in general, the settling of any and all claims and possible claims by one against the other or against their respective estates. NOW, THEREFORE, in consideration of the mutual promises, set forth herein and for other good and valuable considerations, Wife and Husband, each intending to be legally bound hereby agree as follows: SECTION II GENERAL PROVISIONS 1. MUTUAL CONSENT DIVORCE The parties intend to secure a mutual consent, no fault divorce pursuant to the provisions of Section 3301 (c) of the Divorce Code ofl980, as amended and will execute the documents necessary to effectuate a divorce under those provisions concurrently with the execution of this Agreement. 2. EFFECT OF DIVORCE DECREE The parties agree that unless otherwise specifically provided herein, this Agreement shall continue in full force and effect after such time as a final decree in divorce may be entered with respect to the parties. 3. AGREEMENT TO BE INCORPORATED BUT NOT MERGED IN DIVORCE DECREE The provisions of this Agreement may be incorporated by reference but shall not be deemed merged into any judgment or decree for divorce obtained by either party. This agreement shall survive any such final decree of divorce, shall be entirely independent thereof, and the parties intend that all obligations contained herein shall retain their contractual nature in any enforcement proceedings, whether enforcement is sought in an action on the contract itself or in any enforcement action filed to the divorce complaint. 4. DATE OF EXECUTION The "date of execution" or "execution date" of this Agreement shall be defined as the date upon which it is executed by the parties if they have each executed the Agreement on the same date. Otherwise, the "date of execution" or "execution date" of this Agreement shall be defined as the date of execution by the party last executing this Agreement. 4 5. ADVICE OF COUNSEL The provisions of this Agreement and their legal effect have been fully explained to Husband by his attorney, Cara A. Boyanowski, Esquire, and to Wife by her attorney, Melissa Peel Greevy, Esquire. The parties acknowledge that they fully understand the facts and have been fully informed as to their legal rights and obligations, and they acknowledge and accept that this Agreement is, in the circumstance, fair and equitable and that it is being entered into freely and voluntarily, after having received such advice and with such knowledge and that execution of this Agreement is not the result of any duress or undue influence and that it is not the result of any collusion or improper or illegal agreement or agreements. 6. FINANCIAL DISCLOSURE The parties confirm that each has relied on the substantial accuracy of the financial disclosure of the other as an inducement to the execution of this Agreement, and each party acknowledges that there has been a full and fair disclosure of the parties' marital assets and debts and the parties' respective incomes, which has been provided to each party. 7. DISCLOSURE AND WAIVER OF PROCEDURAL RIGHTS Each party understands that he or she has the right: (1) to obtain from the other party a complete inventory or list of all of the property that either or both parties own at this time or owned as of the date of separation; (2) to have all such property valued by means of appraisals or otherwise; (3) to compulsory discovery to assist in the discovery and verification of facts relevant to their respective rights and obligations, including the right to question the other party under oath; and (4) to have a Court hold hearings and make decisions on the matters covered by this Agreement, which Court decision concerning the parties' respective rights and obligations might be different from the provisions of this Agreement. Given said understanding and acknowledgment, both parties hereby waive the foregoing procedural rights. 8. BANKRUPTCY The parties hereby agree that the provisions of this Agreement shall not be dischargeable in bankruptcy and expressly agree to reaffirm any and all obligations contained herein. In the event a party files such bankruptcy and pursuant thereto obtains a discharge of any obligations assumed hereunder, the other party shall have the right to declare this Agreement to be null and void and to terminate this Agreement in which event the division of the parties' mutual assets and all other rights 5 detennined by this Agreement shall be subject to Court detennination the same as if this Agreement had never been executed by the parties. 9. TAX PROVISIONS The parties believe and agree, and have been so advised by their respective attorneys, that the division of property heretofore made by this Agreement is a non-taxable division of property between co-owners rather than a taxable sale or exchange of such property. Each party promises not to take any position with respect to the adjusted basis of the property assigned to him or her or with respect to any other issue which is inconsistent with the position set forth in the preceding sentence on his or her federal or'state income tax returns. The parties have heretofore filed joint federal and state tax returns. Both parties agree that in the event any deficiency in federal, state or local income tax is proposed, or any assessment of any such tax is made against either of them, each will indemnity and hold harmless the other from and against any loss or liability for any such tax deficiency or assessment and any interest, penalty and expense incurred in connection therewith. Such tax, interest, penalty or expense shall be paid solely and entirely by the individual who is finally detennined to be the cause of the misrepresentations or failures to disclose the nature and extent of his or her separate income on the aforesaid joint returns. 10. PERSONAL RIGHTS Wife and Husband may and shall, at all times hereafter, live separate and apart. They shall be free from any contact, restraint, interference or authority, direct or indirect, by the other in all respects as fully as if they were unmarried. Each may, for his or her separate use or benefit, conduct, carry on and engage in any business, occupation, profession or employment which to him or her may seem advisable. Wife and Husband shall not molest, harass, disturb, or malign each other or the respective families of each other nor compel or attempt to compel the other to cohabit or dwell by any means whatsoever with him or her. 11. MUTUAL RELEASES Except as otherwise expressly provided by this Agreement: A. Each party hereby absolutely and unconditionally releases and forever discharges the other and the estate of the other for all purposes from any and all rights and obligations which either may have or at any time hereafter have for past, present or future support or maintenance, alimony 6 pendente lite, alimony, equitable distribution, counsel fees, costs, expenses and any other right or obligation, economic or otherwise, whether arising out of the marital relationship or otherwise, including all rights and benefits under the Pennsylvania Divorce Code of 1980, its supplements and amendments, as well as under any other law of any other jurisdiction, except and only except all rights, agreements and obligations of whatsoever nature arising or which may arise under this Agreement or for the breach of any provision thereof Neither party shall have any obligation to the other not expressly set forth herein. B. Each party hereby absolutely and unconditionally releases and forever discharges the other and his or her heirs, executors, administrations, assigns, property and estate from any and all rights, claims, demands or obligations arising out of or by virtue of the marital relationship of the parties or otherwise, whether now existing or hereafter arising. The above release shall be effective regardless of whether such claims arise out of any fonner or future acts, contracts, engagements or liabilities or the other or by way of dower, curtsy, widow's rights, family exemption or similar allowance, or under the intestate laws, or the right to take against the spouse's will, or the right to treat a lifetime conveyance by the other as testamentary, or all other rights of a surviving spouse to participate in a deceased spouse's estate, whether arising under the laws of Pennsylvania, any state, commonwealth or territory or the United States, or any other country. It is expressly understood, however, that neither the provisions of this release nor the subsequent entry of a divorce decree are intended to defeat the right of either party to receive any insurance proceeds at the death of the other of which she or he is the named beneficiary (whether the beneficiary designation was made prior or subsequent to execution hereof), nor to defeat the right of either party to receive any legacy, bequest or residuary portion of the other's estate under his or her will, or to act as personal representative or executor if so named by the will of the other, whether such will was executed prior or subsequent to this Agreement. C. Except for any cause of action for divorce which either party may have or claim to have, and except for the obligations of the parties contained in this Agreement and such rights as are expressly reserved herein, each party gives to the other by the execution of this Agreement an absolute and unconditional release and discharge from all causes of action, claims, rights or demands whatsoever, in law or in equity, which either party ever had or now has against the other. 12. FINANCIAL DISCLOSURE The parties have disclosed to each other and they are each aware of the extent of each other's income, assets, liabilities, holdings and estate. Each ofthe parties acknowledge that he or she is aware of his or her right to seek discovery including, but not limited to, written interrogatories, motions for production of documents, depositions and all other means of discovery pennitted under the Pennsylvania Rules of Civil Procedure. Each party is satisfied that no additional information is 7 necessary for the execution of this Agreement. 13. PRESERVATION OF RECORDS Each party will keep and preserve for a period off our (4) years from the date of their divorce decree all financial records relating to the marital estate, and each party will allow the other party access to those records in the event of tax audits. 14. WAIVER OR MODIFICATION TO BE IN WRITING No modification or waiver of any of the tenus hereof shall be valid unless in writing and signed by both parties and no waiver or any breach hereof or default hereunder shall be deemed a waiver of any subsequent default of the same or similar nature. 15. REMEDIES IN THE EVENT OF A BREACH Any party breaching this Agreement shall be liable to the other party for all costs, including reasonable counsel fees incurred by the non-breaching party to enforce his or her rights under the provisions of this Agreement subsequent to the date of execution of this Agreement, regardless of whether litigation is instituted. In the event of default of any of the provisions of this Agreement by one of the parties, the remedies available to the other are cumulative and include all remedies at law and in equity, including those for breach of contract, under theories or equity, under the Domestic Relations Code as amended, including Section 3105 of the Domestic Relations Code (which includes contempt) as if this Agreement had been an Order of Court, and shall not be limited to those remedies specifically referred to in this Agreement. 16. LAW OF PENNSYL VANIA APPLICABLE This Agreement shall be construed in accordance with the laws of the Commonwealth of Pennsylvania. 17. AGREEMENT BINDING ON HEIRS Except as may otherwise be provided, this Agreement shall be binding and shall inure to the benefit of the parties hereto and their respective heirs, executors, administrators, successors, and 8 assIgns. 18. INTEGRATION This Agreement constitutes the entire understanding of the parties and supersedes any and all prior agreements and negotiations between them. There are no representations or warranties other than those expressly set forth herein. 19. OTHER DOCUMENTATION Wife and Husband covenant and agree that they will forthwith (within ten (10) business days of request by the other party) execute any and all written instruments, assignments, releases, satisfactions, deeds, notes or such other writings as may be necessary or desirable for the proper effectuation of this Agreement. 20. NO WAIVER OF DEFAULT This Agreement shall remain in full force and effect unless and until terminated under and pursuant to the terms of this Agreement. The failure of either party to insist upon strict performance of any of the provisions ofthis Agreement shall in no way affect the right of such party hereafter to enforce the same, nor shall the waiver of any breach of any provision hereofbe construed as a waiver of any subsequent default of the same or similar nature, nor shall the waiver of any breach of any provision hereof be construed as a waiver of strict performance of any other obligations herein. 21. SEVERABILITY AND INDEPENDENT AND SEPARATE COVENANTS The parties agree that each separate obligation contained in this Agreement shall be deemed to be a separate and independent covenant and agreement. If any term, condition, clause or provision of this Agreement shall be determined or declared to be void or invalid in law or otherwise, then only that term, condition, clause or provision shall be stricken from this Agreement and in all other respects this Agreement shall be valid and continue in full force, effect and operation. Likewise, the failure of any party to meet her or his obligations under anyone or more of the paragraphs herein, with the exception of the satisfaction of any conditions precedent, shall in no way avoid or alter the remaining obligations of the parties. 9 22. MANNER OF GIVING NOTICE Any notice required by this Agreement to be sent to Husband shall be sent by certified mail, return receipt requested, to George L. Ellis, 611 Allenview Drive, Mechanicsburg, Pennsylvania 17055, or counsel for George L. Ellis, or such other address as Husband from time to time may designate in writing. Any notice required by this Agreement to be sent to Wife shall be sent by certified mail, return receipt requested, to Rosanna Ellis, 11 Walnut Street, Camp Hill, Pennsylvania 17011, or counsel for Rosanna Ellis, or such other address as Wife from time to time may designate in writing. 23. HEADINGS NOT PART OF AGREEMENT Any headings preceding the text of the several paragraphs and subparagraphs hereof are inserted solely for convenience of reference and shall not constitute a part of this Agreement nor shall they affect its meaning, construction or effect. SECTION m ALIMONY AND ALIMONY PENDENTE LITE PROVISIONS 1. ALIMONY A. Amount and Tenn of Month Iv Alimonv Pavments - 1. Husband shall pay to Wife, commencing on the first day of the first month, following the execution date of this Agreement, for her separate support and maintenance, the sum of Three Thousand Four Hundred ($3,400.00) Dollars, per month, for a period of five (5) years. All monthly alimony payments shall be made to Wife no later than the first day of each month. Husband agrees that all alimony payments are to be made by direct payment from Husband to Wife. The parties acknowledge and agree that the provisions ofthis Agreement providing for the payment of alimony to Wife by Husband are fair, adequate, and satisfactory and are based upon 10 Wife's actual need, Husband's ability to pay, the duration of the parties' marriage and otherrelevant factors which have been taken into consideration by the parties. The approval of this Agreement by a court of competent jurisdiction in connection with an action in divorce or annulment filed by Husband or Wife shall be deemed an order of the court and may be enforced as provided in 23 Pa.C.S.A. Section 3701. B. Modification of Alimony - The parties agree that this award of alimony shall be non- modifiable, with the exception that payments shall terminate upon the death of Wife or the death of Husband. No other condition shall be the basis for modification or termination of these payments. C. Tax Treatment - These payments shall be income to Wife under Section 71 of the Internal Revenue Code and deductible to Husband under Section 215 of the Internal Revenue Code. SECTION IV PROPERTY DISTRIBUTION PROVISIONS 1. PERSONAL PROPERTY Husband and Wife do hereby acknowledge that they have previously divided their tangible personal property including, but without limitation, jewelry, clothes, furniture, furnishings, rugs, carpets, household equipment and appliances, pictures, books, works of art and other personal property. Wife agrees that all of the property in the possession of Husband shall be the sole and separate property of Husband; and Husband agrees that all of the property in the possession of Wife shall be the sole and separate property of Wife. The parties do hereby specifically waive, release, renounce and forever, abandon any claims which either may have with respect to the above items, which shall thereafter be the sole and exclusive property of the other. Regardless of the above, Husband is permitted to enter onto the Marital Residence for the sole purpose of removing his desk, books, and souvenirs, located in the study. It is understood between the parties that Husband's entrance into the Marital Residence must be predicated upon a telephone call to Wife, in which it is mutually agreed as to the time and date for Husband's removal of his personal property. 11 2. RETIREMENT BENEFITS Husband and Wife agree to execute the necessary documents to transfer the sum of Seventeen Thousand Four Hundred Fifty-One ($17,451.00) Dollars from Husband's Merrill Lynch IRRA Account (Account No. 872-75277), titled in Husband's name, to Wife. Ifnecessary, Husband agrees to transfer this amount to Wife through a Qualified Domestic Relations Order (QDRO). It is anticipated that this will be a tax-free distribution incident to any instruments required to transfer this fund to an IRA to be identified by Wife. The parties agree that this transfer shall include any interest accumulated on Wife's portion of the plan, from the date of the signing of this Agreement, until the actual date the funds are transferred to Wife. The parties agree that Wife shall retain sole ownership and possession of all of her retirement benefits and plans, including, but not limited to, her 401 K Plan from St. Joseph's School, and Husband specifically releases and waives any and all interest, claim or right that he may have to these assets. The parties further agree that Husband shall retain sole ownership and possession of the balance of his Merrill Lynch IRRA Account (Account No. 872-75277) and his Merrill Lynch Pennsylvania Coal Association SEP Account (Account No. 872-74757) and Wife specifically releases and waives any and all interest, claim or right that she may have to these assets. 3. BANK ACCOUNTS Husband and Wife are the owners of individual bank accounts. Husband and Wife agree that these accounts shall be the sole and separate property of the person in whose name they are titled and each party waives any right, title or interest they may have in the other parties' account. 4. STOCKS The parties acknowledge that Wife is the owner of several shares of stock, titled in her sole name, with the following companies: 1. AT&T stock - 37 shares 2. E.!. DuPont stock - 3,660 shares 3. Tyco stock - 900 shares 12 The parties further acknowledge that Husband is the owner of several shares of stock, titled in his sole name, with the following company: 1. E.!. DuPont stock - 1,056 shares The parties agree that Wife shall retain sole ownership and possession of all shares of AT & T stock, E.!. DuPont stock, and Tyco stock, titled in her sole name, and Husband specifically releases and waives any and all interest, claim or right that he may have to these assets. The parties further agree that Husband shall transfer ownership and possession of all shares of EJ. DuPont stock, titled in his sole name, to Wife. Husband agrees to execute the necessary documents to transfer ownership of these shares of stock to Wife. Wife agrees to accept sole responsibility for any capital gains experienced by the transfer or liquidation of these shares of stock. 5. AUTOMOBILE Husband and Wife agree that the 2002 Chevrolet Blazer, currently in the possession of Wife, shall be the sole and separate property of Wife, and Husband waives any right, title or interest he may have in this vehicle. Husband agrees to execute the necessary documents to transfer this automobile into the sole name of Wife, as provided herein. Wife agrees to accept sole responsibility for any loan associated with her vehicle as distributed under this Agreement. 6. LIFE INSURANCE POLICIES Husband and Wife are the owners of various whole life insurance policies. Husband and Wife agree that these policies, and their cash values, shall be the sole and separate property of the person in whose name they are titled and each party waives any right, title or interest they may have in the other parties' policy. Each party shall be responsible for any premiums due upon his or her policy under this Agreement. 7. LIFE INSURANCEIDEATH BENEFITS Husband is the owner of a group term life insurance policy through his employer, the Pennsylvania Coal Association. The parties agree that the death value of this policy is One Hundred Thousand ($100,000.00) Dollars. Husband agrees that this benefit shall name Wife as its sole 13 beneficiary, for a period of three (3) years, to begin at the inception date of the obligation set forth under Section III, Paragraph l. At the conclusion of the first three (3) years, Husband agrees to designate 80% of this death benefit to Wife for an additional one year. At the conclusion of the fourth year, Husband agrees to designate 40% ofthis death benefit to Wife for the remainder of his obligation under Section III, Paragraph I. After Husband's obligation under Section III, Paragraph 1 expires, this provision shall become voluntary. It is understood by Husband, that he does not have the right to surrender this death benefit until such time as his obligations under Section III, Paragraph 1 expire. 8. CURRENT LIABILITIES The parties agree that all outstanding debt on credit cards and charge cards jointly owned and used by Husband and Wife prior to their date of separation, shall become the sole and separate responsibility of Wife to satisfy. Wife and Husband represent that they have taken all steps necessary to make sure that no credit cards or similar accounts exist as of the date of execution of this Agreement which provide for joint liability, except those provided herein. From the date of execution of this Agreement, each party shall use only those credit cards and accounts for which that party is individually liable. 9. PAYMENT OF LEGAL FEES Each party hereby agrees to be responsible for any legal fees incurred on their behalf 10. AFTER-ACOUIRED PROPERTY Each of the parties shall hereafter own and enjoy, independently of any claim or right of the other, all items of property, be they real, personal or mixed, tangible or intangible, which are acquired by him or her after the parties' date of separation, that being, June 21, 200 I, with full power in him or her to dispose of the same as fully and effectively, in all respects and for all purposes, as through he or she were unmarried. 11. REAL ESTATE A. Marital Residence - The parties acknowledge that they are the owners of certain real 14 property known as 11 Walnut Street, Camp Hill, Cumberland County, Pennsylvania 17011, (hereinafter referred to as "Marital Residence"). The parties agree as follows with respect to the Marital Residence: (1) Simultaneously with the execution of this Agreement, Husband shall execute all documents necessary, including a deed, to transfer all of his right, title and interest in the Marital Residence to Wife, and shall deliver said documents to Wife's counsel. Thereafter, Wife shall be the sole and separate owner of the Marital Residence. (2) Husband agrees that as of the date of execution of this Agreement, any and all title policies and any other policy of insurance with respect to the Marital Residence shall be endorsed to reflect Wife as sole owner thereof and further agrees that Wife shall be entitled to receive any payments now or hereafter due under any such insurance policies. (3) Except as otherwise provided herein, commencing on the execution date of this Agreement, Wife shall be solely responsible for all costs, expenses and liabilities associated with or attributable to the Marital Residence regardless of when the same shall have been incurred including, but not limited to, taxes, insurance premiums and maintenance, and Wife shall keep Husband and his property, successors, assigns, heirs, executors and administrators indemnified and held harmless from any liability, costs or expense, including attorney's fees, which may be incurred in connection with such liabilities and expenses or resulting from Husband's ownership interest in said property. (Rest of Page Left Blank intentionally.) 15 SECTION V CLOSING PROVISIONS AND EXECUTION Each of the parties has carefully read and fully considered this Agreement and all of the statements, terms, conditions, and provisions thereof prior to signing below. IN WITNESS WHEREOF. intending to be legally bound hereby, the parties hereto have set their hands and seals on the date indicated below. !"~~ ~ l,. ~ V . WITNESS ~tc$ L ELLIS ~{d;aMtJ<~ a~ ~ WITNESS ROSANNA ELLIS /d.?Or DATE /(/;7/r; i DATE 16 . . . . . . . ~~~~~~ ~ ~~~~~~~~~~~~~~~~~~~~~*~+++++++++++~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ++++++++++ +++++ ++++++++++++++++++++++? . . . . . . IN THE COURT OF COMMON PLEAS OFCUMBERLANDCOUNTY . . . . . . . . GEORGE L. ELLIS, PEN NA. STATE OF . No. 02-21 CIVIL TERM . Plaintiff . . . . . . . . . . . VERSUS ROSANNA ELLIS, Defendant . . . . DECREE IN DIVORCE . . . . . . . . . . . . . . . . . . . . . . . . . AND NOW, 7)~ , If , 2-00'1, IT IS ORDERED AND GEORGE L. ELLIS DECREED THAT , PLAI NTI FF, ROSANNA ELLIS AND , DEFENDANT, ARE DIVORCED FROM THE BONDS OF MATRIMONY. . . . . THE COURT RETAINS JURISDICTION OF THE FOLLOWING CLAIMS WHICH HAVE BEEN RAISED OF RECORD IN THIS ACTION FOR WHICH A FINAL ORDER HAS NOT YET BEEN ENTERED; None. . . . . . The provisions of the Agreement entered into by the parties on HuvelllbeL 11, 2004, ..iIdll be lucuLt'uLdLed by LereLeuce, buL ..iIdll not be merged into this Decree in Divorce. . . . . . . . PROTHONOTARY . . . By THE COURT: . . . . . . . . . J. ~() tnu Of-- ~1eW "'3?"t(7(Y . ,V'..,,,,.,.,,).o~ ~t~ or 7'1' 'w 1-,1<7;) rJ I>cr S I- Y I .'